AmEx – Alamo AAHP Campaign

American Express Company and Alamo  Rent A Car Monday announced a new campaign to benefit the National Association  for African American Heritage Preservation (NAAAHP), a national service   organization dedicated to the identification, protection and promotion   of the history and heritage of African Americans throughout the United   States and other countries. Each time an American Express Card is   used to rent an Alamo vehicle from November 1, 1998 through January 31, 1999, American  Express and Alamo will donate ten cents from every transaction to NAAAHP, up   to $50,000.* This campaign will allow Cardmembers to help protect and promote  African American contributions to American history and culture. American  Express has also given NAAAHP a grant to research and develop a guidebook  to African American heritage sites across the country which will be available next year.

“American Express is proud to partner with Alamo and NAAAHP in this new campaign,”  said Glenda McNeal, vice president, Strategic Relationships Group, American  Express. “Through this marketing promotion and our grant, we hope to help raise public awareness of cultural heritage sites as well as the significant contributions African Americans have made to this nation.”

“Alamo is extremely pleased to join forces with NAAAHP and American Express,”  said Karen Beard, senior vice president of sales and marketing for Alamo  Rent A Car. “This campaign not only helps supply the necessary funds to NAAAHP for African American heritage preservation, but also assists in building a much needed awareness about African American history and heritage.”

“The collaborative effort between American Express and Alamo enables us to broaden our reach by offering services to a wider audience,”  said Claudia Polley, president and founder, NAAAHP. “And the grant from American Express especially ensures that the work we do will be of the quality we all expect and deserve.” Through philanthropic activities worldwide, American Express seeks to  be a good citizen in the communities in which the Company does business  and where American Express employees live and work. American Express is  the founding sponsor of World Monuments Watch, a program created by the  World Monuments Fund in New York City, which identifies imperiled  historic sites around the world through its List of 100 Most Endangered Sites  and seeks funding for their rescue. The Company also recently sponsored  Africa Fete ’99, a world music tour created by Island Records in  collaboration with the Kennedy Center’s African Odyssey Program which  celebrates diverse African cultures.

American Express Company is a  diversified worldwide travel and financial services company founded in  1850. It is a leader in charge and credit cards, Travelers Cheques,  travel, financial planning, investment products, insurance and international  banking and has been a strong supporter of the arts since the establishment  of its foundation in 1954. For more information, visit the Company’s Web  site at .

Alamo currently serves more  than 15 million travelers a year through 102 locations in the United States  and Canada, and more than 250 international locations in the United Kingdom, Switzerland, The  Republic of Ireland, Mexico, The Netherlands, Germany, Greece, Portugal, Malta, Slovak   Republic, Belgium and The Czech Republic. For more information, visit Alamo’s  Web site at . Though only three years old, the   National Association for African American Heritage Preservation, Inc. has  established itself as the leader in the African American heritage preservation   movement. Born of the good efforts initiated some six years ago by the   National Trust for Historic Preservation to include the built history of   all Americans, NAAAHP is one the Trust’s grateful offspring.

For more information   about NAAAHP, call (888) 358-8388 or visit the organization’s Web site  at .

*  American Express and Alamo will donate  up to $50,000 to NAAAHP based on ten cents per American Express Card   purchase and other transactions and contributions, between 1l/l/98 and  1/31/99. This donation is not tax deductible for Cardmembers.

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New CardLogix MOST Cards

CardLogix, a leading U.S. manufacturer of  smart cards and card development software, has added seven new cards to its M.O.S.T.™ (Microprocessor Operating System Technology) Family of solutions. These new cards feature added communications capability, higher storage capacity and greater security to suit a wide range of high security and card applications.  These new cards are supported by CardLogix’ M.O.S.T. Toolz™ Card Development Environment, which builds file structures for card and system prototyping. The family  is further supported by the Cardplex™ API, and the Smart Toolz™ Smart Card Development Kit.

The M.O.S.T Card™ Operating System (C.O.S.) Software is combined with leading microprocessor technology to produce a smart card solution that stores and manages multiple files, functions and applications for the transaction of value and information.  Multifunction smart cards store, transact and protect data better than conventional magnetic-stripe cards with stored value, credit and security access residing on a single smart card. The M.O.S.T ™  C.O.S. within the chip organizes and processes data similar to  a personal computer, enabling the M.O.S.T. Card to handle multiple files and applications.  In place of several cards, a single M.O.S.T. Card can perform a variety of functions for a cardholder, enhancing multiple, daily activities such as purchases, employment, healthcare and leisure.

CARDLOGIX INTRODUCES NEW M.O.S.T. CARDS  PAGE TWO

The M.O.S.T. Card Family Features The Following:

CLX PART #USER MEMORY Bytes EEPROMI/OSPECIAL FEATURESPrice @ 1000 pieces  CLXSU064KJ0/T=0*8KT=0Authentication, Purse$4.50 CLXSU064KJ0/T=18KT=1Authentication, Purse$4.65 CLXSU064KJ0/T=1ED8KT=0Authentication, Purse, DES Encryption $5.50 CLXSU064KJ0/T=0ED8KT=1Authentication, Purse, DES Encryption $5.65 CLXSU128KJ1/T=016KT=0Authentication, Purse$5.50 CLXSU128KJ1/T=116KT=1Authentication, Purse$5.65 CLXSU128KJ1/T=0ED16KT=0Authentication, Purse, DES Encryption $6.50 CLXSU128KJ1/T=1ED16KT=1Authentication, Purse, DES Encryption $6.65

*Previously Available

More About M.O.S.T. Cards

M.O.S.T. Cards are available now.  M.O.S.T. Toolz for Windows 95, Windows NT v5.0 and Windows 98 is also immediately available.  For further information, contact CardLogix at (949) 380-1312, fax (949) 380-1428 and [sales@cardlogix.com][1].

More About CardLogix

Founded in 1994, CardLogix is a leading provider of development software and cards for integrating smart card technology into computing and transaction systems.  Key application areas include Information and Access Security, Entertainment, Health Informatics and Banking.  Contact CardLogix at 16 Hughes, Irvine, CA.  92618, www.cardlogix.com and [smarttoolz.com][2]

[1]: mailto:sales@cardlogix.com
[2]: http://www.smarttoolz.com

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VeriFone’s Blockbuster

VeriFone confirmed Monday that Blockbuster has chosen VeriFone to upgrade its POS on-line debit and ‘GiftCard’ acceptance in 3,400 locations. The upgrade will enable Blockbuster to increase the speed of customer-activated debit payment and otherwise enhance the benefit of the ‘Blockbuster GiftCard’ at the point of sale. To date, about 3,000 VeriFone ‘Everest’ POS terminals have been installed at over 1,000 Blockbuster stores nationwide. VeriFone Support Services expects to install the remaining 2,400 Blockbuster locations with 9,000 Everest terminals by year end. Blockbuster has about 6,000 U.S. outlets.

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Bank Plus Sued

A lawsuit has been filed in the California Superior Court for the County of Los Angeles on behalf of purchasers of Bank Plus Corp. common stock between Aug. 14, 1998 and Sept. 22, 1998 by the law firm of Weiss & Yourman to recover damages caused by defendants’ violations of California securities laws and other common law claims.

BPC is the holding company for Fidelity Federal Bank, FSB “Fidelity”.

The action alleges that defendants issued false and misleading statements which materially misrepresented the financial condition and future prospects of BPC’s affinity credit card program. In particular, the complaint alleges that during the Class Period, defendants failed to disclose that: (a) increases in delinquencies and charge-offs threatened the viability of BPC’s sub-prime affinity credit card program; (b) BPC’s earnings and revenues were being improperly supported by the recognition of billed but uncollectible credit card fee income; (c) BPC would suffer a material reduction in revenues and earnings as the revenue stream from the growth of BPC’s sub-prime affinity credit card program was terminated; and (d) BPC was at material risk to have the capitalization classification for Fidelity reduced from a rating of “well capitalized” to a rating of “adequately capitalized” at the end of the third financial quarter of 1998.

As a result of the alleged false and misleading statements, the price of BPC common stock was artificially inflated throughout the Class Period. On the last day of the Class Period when defendants were finally forced to disclose the truth about BPC’s affinity credit card program the price of BPC common stock plummeted 25% from $7.25 on Sept. 21, 1998 to close at $5.44 on Sept. 22, 1998 on an extraordinarily high trading.

If you wish to join the lawsuit, or have any questions concerning this notice, or your rights or interests with respect to this matter, please contact plaintiff’s counsel, Douglas Britton of Weiss & Yourman toll-free at 800/437-7918, via e-mail at [wyinfo@wyca.com][1], or on the firm’s website at [www.wyca.com][2].

[1]: mailto:wyinfo@wyca.com
[2]: http://www.wyca.com

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CFA Fee Study

The Consumer Federation of America has called a press conference for this Thursday to release a new consumer study that purportedly shows that banks have increased credit card income while pushing consumers into debt. The study, covering 1995 to 1998, and based on approximately 100 credit cards issued by 74 banks, will show that credit card income has been increasing due to soaring late payment fees, rising over-limit fees, punitive A.P.R.s and shrinking grace periods. CFA will attempt to correlate the changes in pricing policies with historical data on increasing consumer indebtedness. However it is believed the CFA study, embargoed until Nov. 5, will ignore the fundamental changes in cardholder behavior and the intensity of competition over the past four years.

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PubliCARD, Inc.

Publicker Industries Inc. announced Monday that it has executed a definitive merger agreement to acquire 100% of Tritheim Technologies, Inc. for approximately $9 million in common stock, and certain other consideration. The definitive agreement modified Publicker’s previously announced plan to acquire a 50% ownership interest in Tritheim.  Consummation of the transaction is subject to approval of Tritheim’s shareholders and other customary conditions and is expected to close within the next 30 days.

Publicker’s president, Mr. James Weis, said, “We are delighted that the negotiations of the agreement with Tritheim moved ahead quickly and we anticipate a timely closing of the transaction.  We are currently exploring other smart card related acquisitions and believe that our ability to utilize our stock for the acquisition of ownership interests together with our ability to provide the funding necessary for the rapid growth of these businesses represents an innovative combination that is attractive and beneficial to both sides.  Our acquisition strategy has attracted a lot of interest within the smart card community and we actively invite inquiries from other smart card software and hardware developers.  Coupled with the investment earlier this year in Greenwald Intellicard, we are continuing our push to position the Company to significantly participate in the U.S. smart card industry.”

Publicker also announced that its Board of Directors approved a change in the Company’s name to “PubliCARD, Inc.”  Mr. Weis stated, “Our Board believes it is in the best interest of the Company to change its name to PubliCARD to more clearly convey a consistent overall image and the strategic direction of the Company.”

About the Company

Publicker Industries Inc., headquartered in Fairfield, Connecticut, owns companies engaged in manufacturing and engineering services.  Greenwald Industries designs and manufactures coin meter systems used primarily in the commercial laundry appliance industry and, through its interest in Greenwald Intellicard, manufactures and sells smart card readers, value transfer stations, card management software and machine interface boards to the commercial laundry appliance industry as well as for the parking and access control industries.  Orr-Schelen-Mayeron & Associates provides general engineering, design and architectural services.

About Tritheim Technologies, Inc.

Tritheim Technologies, located in Tarpon Springs, Florida, has developed both hardware and software smart card products and is already recognized as a creative innovator of such products.  Its hardware products include serial, parallel and PCMCIA smart card readers, smart port docking stations and smart card reader chipsets.  Its software products include smart card software development tools for developing smart card applications, PC security software, Internet security smart card software, Internet purchase terminal software and Internet automatic teller software.

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ATM Broadcast Center

By year’s end Crestar will download advertising and marketing messages, video clips and even coupon graphics from a central site to a selective group of ATMs or to all ATMs in its network. Crestar will utilize a new service from Diebold called ‘RemoteLink’. With the new program Crestar simply provides Diebold with the graphics and a customized schedule that details which ATMs are to be updated and when the new graphics should appear.  Diebold personnel then take complete responsibility for the management and execution of the program. Through ‘RemoteLink’, each ATM in a network can present a unique, specific advertising message or change screens and present certain messages at different times of the day. Advertisers can precisely target messages to specific neighborhoods at specific times throughout the day, or adjust their advertising messages with local and national events and holidays. In addition, the couponing feature of Diebold’s ‘RemoteLink Plus’ program enables consumers to receive a coupon that can be tied to the marketing message on the screen. Crestar is planning to employ ‘RemoteLink’ on 20 of its 700+ Diebold ATMs by the end of this year.

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Wells-Norwest Merger Completed

Wells Fargo & Company and Norwest Corporation said Monday they have completed their merger — creating the new Wells Fargo, a diversified financial services company.  The new company is headquartered in San Francisco and has $196 billion in assets, 15 million customers, 5,836 stores and almost 102,000 team members.  It ranks seventh in assets and third in the market value of its stock at September 30 among U.S. bank holding companies.

“We firmly believe this new company — which combines the best of both organizations — will become the premier financial services company in the United States and the leading banking franchise in the Midwest and Western United States,” said Dick Kovacevich, president and chief executive officer of the new company. “Our customers, communities, shareowners and team members all will benefit from this merger with greater convenience and a broader array of products and services.”

Added Kovacevich, “For our 15 million customers, nothing changes yet. Integrating systems is expected to take from six months to two years to complete.

“During the second half of next year, Norwest customers will begin seeing the Norwest name change to Wells Fargo on their stores, checks, statements and other materials.”

Paul Hazen, chairman of Wells Fargo, said the key to a successful integration will be execution. “We’re committed to the goal of doing it right so we can continue to provide outstanding customer service throughout the integration,” he said. “Dozens of transition teams comprised of hundreds of team members are committed to making sure we begin every discussion with what’s best for the customer and ensure the interests of our team members and shareholders are aligned.  We’re going to take our time.  We’re going to do it right.”

The combined franchise has 2,859 banking stores and covers 21 states from California to Ohio.  Norwest Mortgage — the nation’s leading originator and servicer of mortgages — has 824 stores and a presence in all 50 states. Norwest Financial — the premier consumer finance company in the hemisphere — has 1,349 stores in 47 states, all 10 Canadian provinces, the Caribbean, Latin America and elsewhere internationally.

As previously announced, Wells Fargo’s Hazen is chairman, Norwest’s Kovacevich is president and chief executive officer, Norwest’s Les Biller is chief operating officer and vice chairman, and Wells Fargo’s Rod Jacobs is chief financial officer and vice chairman.

The four will work closely together and will be involved in all major decisions affecting the combined company.

Common stockholders of Wells Fargo receive 10 shares of common stock of Norwest in exchange for each share of Wells Fargo common stock.

Norwest’s stock symbol NOB has been retired — stock of the new company will now trade under the symbol WFC.  The two companies announced a definitive agreement June 8.  The Board of Governors of the Federal Reserve system approved the merger October 14; stockholders of both companies approved the merger October 20.

    The new company:
— ranks 1st in financial services stores in the Western Hemisphere,
— ranks 1st in mortgage originations and servicing,
— ranks 1st in Internet banking,
— ranks 1st in agricultural lending among U.S. banks,
— ranks 1st in student loans,
— ranks 1st in the number of small business loans among U.S. banks,
— ranks 1st in commercial real estate lending,
— ranks 1st in auto finance,
— ranks 1st among banks in insurance agency sales,
— ranks 3rd in the number of ATMs in the U.S,
— ranks 4th in middle-market lending among all banks,
— ranks 4th among all banks in mutual funds under management,
— ranks 3rd in market capitalization among U.S. bank holding companies,
— ranks 7th in assets among U.S. bank holding companies,
— is an industry leader in alternative banking strategy, developed by
Wells Fargo, and
— is an industry leader in community banking strategy, developed by
Norwest.

    Combined data (pro forma  9/30/98)
    Assets  (billions)                      $196
    Loans   (billions)                      $108
    Deposits (billions)                     $130
    Net income (billions – ytd)             $2.1
    Revenue (billions – ytd)                $15.3*
    Customers (millions)                    15
    Mortgage originations
     (billions – ytd)                       $75
    Mortgage servicing (billions)           $233
    Credit card loans (billions)            $6
    Consumer credit card accounts
     (millions)                             4
    Stores                                  5,836
    ATMs                                    6,065
    Market capitalization
     (billions – 9/30/98)                   $58.3
    Common shares outstanding (millions)    1,620
    Net interest margin (ytd)               5.88 %
    Team members                            101,591

    * — Interest income plus non-interest income

Wells Fargo is a $196 billion diversified financial services company providing banking, insurance, investments, mortgage and consumer finance through 5,836 stores in all 50 states, Canada, the Caribbean, Latin America and elsewhere internationally.

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EDS – VISA Smart

EDS announced yesterday it is teaming with VISA to support the ‘VISA Smart’ global smart card initiative. ‘VISA Smart’  brings together the hardware, software and technology service providers under the VISA umbrella to help member financial institutions implement end-to-end smart card programs.  EDS, as a primary systems integrator for ‘VISA Smart’, will provide comprehensive systems integration, consulting, project management and implementation services to VISA members participating in the initiative. VISA predicts that smart cards will comprise one third of its card volume by the year 2002.

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Visa Holiday Magic

Some magic has just been added to your Visa card.  Every day from November 1 through December 31, 1998, Visa ([www.visa.com][1]) will randomly select a one-second magic moment when Visa card purchases are free regardless of the amount.

This new program, called Visa Magic Moments, will be promoted heavily on the radio, internet, in print media, in malls countrywide, and on television, especially over the Thanksgiving weekend, beginning at 9:00 PM on Thanksgiving Day.

The premise is simple:  if the Visa processing time stamp for a cardholder’s purchase matches that day’s randomly selected, one-second Visa Magic Moment, they win. The winning cardholder will receive a special “Visa Magic Moments Winner” credit message on their next monthly Visa statement.

In addition to this magic, during the Visa Magic Moments campaign, Dell Computer ([www.dell.com/visa][2]) is offering a “moment” every day for purchases via the Internet; Best Buy is featuring a “moment” every hour on November 27 and 28; and Giant Food/Super G and Jo-Ann Fabrics & Crafts are offering a bonus to cardholders who’s winning purchase was made at their store locations.

For more information on Visa Magic Moments, including information on how to obtain official rules with full details, and instructions for entry without a purchase, call 800-266-6712, or visit [www.magic-everyday.com][3].

Bring a little magic into your holiday season.

[1]: http://www.visa.com/
[2]: http://www.dell.com/visa
[3]: http://www.magic-everyday.com/

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PointCast & VISA

PointCast Incorporated, the leading broadcaster of personalized news and information to business consumers, unveiled MarketPlace, a new e-commerce service for PointCast Network viewers.  MarketPlace was developed in partnership with Visa, the world’s best way to pay.  Through MarketPlace, business consumers can now research and purchase products and services from leading vendors in a variety of product categories.  MarketPlace serves as the e-commerce component of PointCast’s redesigned Web-based business resource center, EntryPoint, available today at .  MarketPlace is available at .

PointCast today also announced three key relationships with vendors that will be participating in MarketPlace:  Amazon.com, a leading online retailer, for comparison and one-stop shopping; Compare.Net, a leading Internet buyer’s guide, for product comparison and research; and Impulse! Buy Network, a leading Internet merchandising service, providing special offers on name-brand products and services.  These three technology relationships provide MarketPlace with advanced e-commerce capabilities, allowing enterprise professionals to search for the best price on business-related products and services such as office supplies, computer hardware, travel and more. MarketPlace also offers best buys on cars, books, flowers, gifts and other products.

“PointCast now offers a fully integrated service that business professionals can use as a valuable and useful commerce tool in the office,” said Don Albert, senior vice president of advertising sales and e-commerce at PointCast.  “Further, we have gathered a roster of blue chip partners and sponsors to offer our viewers a wide range of premium products and services.”

Advertising sponsors for MarketPlace include Acura, barnesandnoble.com, Compaq, Continental Airlines, Gateway, Mercedes-Benz of North America, Inc., Microsoft and Toshiba.  In addition to Visa, PointCast’s EntryPoint sponsors include CareerPath.com, cars.com, Datek Online, Snap, U.S. Postal Service and Zip2.

“We have a strong partnership with PointCast, and we’re delighted that MarketPlace will be the first e-commerce destination for PointCast viewers,” said Todd Chaffee, executive vice president, Visa International.  “MarketPlace provides purchasers with utility and convenience, allowing them to find the products they need quickly and easily.”

MarketPlace Features Comparison Shopping and Special Offers for PointCast’s Active Online Shoppers and Buyers

MarketPlace allows enterprise professionals to search for the best price and take advantage of special offers on business-related products and services, including Computer Hardware, Computer Software, Electronics, Office Supplies and Travel.  MarketPlace also offers comparison shopping and special deals from categories such as Automobiles, Books, Clothing, Department Stores, Flowers & Gifts, Movies & Video, Music and more.  Across any of these categories, viewers can benefit from the following special services from Amazon.com, Compare.Net and Impulse! Buy Network:

* Comparison and one-stop shopping:  viewers can make more informed purchase decisions through comparison and one-stop shopping.  For example, when a viewer selects the “Computer Hardware” category to research a new PC and specifies desired product features, a list will be displayed of corresponding PCs of varying prices from Amazon.com’s network of merchant sites across the Web.  The viewer then simply clicks on the desired product to conduct an online transaction.

* Product comparison and research:  viewers can access Compare.Net’s database of comprehensive and up-to-date product information on everything from modems to recordable CD players.  For example, when a viewer chooses the “Office Supplies” category, Compare.Net allows the viewer to research and compare by price, brand, manufacturer, features, model number and more.  Viewers are also able to view classified ads, enter newsgroup discussions on products or click through to online retailers to purchase products.

* Special discount offers:  viewers benefit from one-click access to dynamically changing, category-specific special offers from more than 100 merchants participating in Impulse! Buy Network, including barnesandnoble.com, Egghead, Wal-Mart, J. Crew and Land’s End.  For example, when a viewer selects the “Computer Software” category of MarketPlace, Impulse! Buy Network will automatically display several special offers on computer software from Egghead, Software.net, CDW and more.

“We’re delighted to have the opportunity to introduce PointCast’s business users to the fun and ease of impulse shopping,” said Mark H. Goldstein, president and CEO of Impulse! Buy Network.  “By providing compelling, one-click-buy offers on name-brand products to PointCast viewers, we make online shopping come alive for them.”

The initial results from the 1998 PointCast Viewership Study, conducted by Mediamark Research, Inc. (MRI), show that PointCast viewers are active online shoppers and buyers.  According to the study, which will be released next month, MRI found the following:

* 60.0% of PointCast viewers shopped for computer software, of which 58.7% made a purchase

* 54.5% of PointCast viewers shopped for computer hardware, of which 43.8% made a purchase

* 74.5% of PointCast viewers shopped for travel services, of which 43.4% made a purchase

* 50.1% of PointCast viewers shopped for books, of which 62.6% made a purchase

New Version of EntryPoint Combines E-commerce with Web-based Business Content

In addition to the new MarketPlace e-commerce service, version 2.0 of PointCast’s EntryPoint business resource center features Web-based business content, complimenting the business content available on the PointCast Network:

* Stock Market Update — a new comprehensive financial news site that lets viewers receive index and interactive performance charts from BigCharts, SEC filings from Edgar Online, market news, brokerage reports and company information from Zacks Investment Research, mutual fund information from Morningstar and more.

* Weather — a new in-depth weather center with content provided by AccuWeather and Weathernews that contains five-day international forecasts, weather reports for 3,000 cities, the ability to search for weather by city name, national weather summaries and breaking news and new maps for travel conditions, flight delays, air quality and pollen counts.

Viewers can also conduct general Web searches via the Snap Internet portal service, or conduct more specific searches such as job search via CareerPath and people search.  EntryPoint also offers seamless access to yellow pages, maps and directions via Zip2 and mail/package services from the U.S. Postal Service.  Viewers can access EntryPoint by clicking on the “Internet” button from within the PointCast Network Channel Viewer.

Company Background

PointCast Incorporated was founded in 1992 to provide current news and information services to viewers and corporations via the Internet and corporate intranets.  Since PointCast launched the PointCast Network in February 1996, the Company has won more than eighty industry awards and honors, including CNET’s Best Internet Application, PC Magazine’s Technical Excellence award and PC Computing’s Most Valuable Product award.  The PointCast Network can be downloaded for free at .

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