AmEx & RightWorks

American Express Company, the nation’s largest corporate card provider, announced a strategic agreement with RightWorks Corporation, a partner company in the Internet Capital Group network and a leading provider of next-generation e-business applications, to integrate the American Express Corporate Purchasing Card platform into the RightWorks eBusiness Application Suite. RightWorks and American Express will offer online enrollment for buyers and suppliers, with instant click-through access to American Express card membership applications, and merchant acceptance directly from the RightWorks Open Commerce Network.

![][1] As part of the agreement, RightWorks will utilize the American Express Corporate Purchasing Card to enable a streamlined payment and reconciliation process for online purchases between buyers and sellers. The American Express Corporate Purchasing Card platform extends the benefits of the RightWorks solution by automating the payment, reconciliation and data integration processes, thereby providing an end-to-end electronic purchasing solution. This interoperability will facilitate the process of order placement, fulfillment, reconciliation, data management and program maintenance.

“The RightWorks eMarketplace Suite(TM) is an open, highly tailorable solution that gives companies the ability to offer their e-marketplace participants a broad selection of differentiated services within a secure environment,” said Mary Coleman, CEO of RightWorks. “As an established, leading vendor, American Express offers Internet-based payment services that will allow RightWorks to provide customers with value-added services that are tightly integrated with e-business processes.”

“The value of the partnership between American Express and RightWorks is to streamline e-procurement for Fortune 500 companies, helping them make complex business transactions as simply as making a business-to-consumer transaction for themselves,” said Mac Schuessler, vice president, corporate e-payment services, American Express. “The tight integration of the American Express Corporate Purchasing Card platform into the RightWorks eBusiness Application Suite offers e-marketplace customers a quick and easy payment solution and helps speed e-marketplace growth.”

About American Express

American Express is the leading provider of commercial card and expense management solutions in the U.S. Through its Corporate Services group, the company counts nearly 75 percent of the Fortune 500 as customers of its Business Travel, Corporate Card and Corporate Purchasing Card programs. For buying organizations and suppliers alike, American Express Corporate Purchasing Card can help cut costs, reduce paperwork, leverage data and speed order delivery. More than 2,000 companies use the American Express CPC as a reengineering tool to gain control over indirect expenses such as office supplies, temporary services, desktop tools and industrial equipment. Rightworks joins an expanding e-payment interoperability program for the American Express Corporate Purchasing Card. For more information on the American Express Corporate Purchasing Card, visit .

The American Express Company is a diversified worldwide travel, financial and network 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.

About RightWorks eMarketplace Suite

RightWorks eMarketplace Suite is a next-generation solution that enables companies to quickly build high-value and highly differentiated global trading communities. A component of the RightWorks eBusiness Application Suite, eMarketplace Suite is a fully integrated, out-of-the-box solution that features many-to-many personalization capabilities and supports the full transaction lifecycle. RightWorks’ technology is built on a 100% Internet architecture that provides unmatched levels of scalability, enabling the internetworking of e-marketplaces on a global basis. Functionality includes: procurement, sourcing and auctioning, financial services, supply chain and logistics, customer relationship management (CRM), commerce intelligence, security, management and administration, and transaction infrastructure.

About RightWorks

RightWorks Corporation ([http://www.rightworks.com][2]) is a partner company in the Internet Capital Group network and a leading provider of next-generation e-business applications. Founded in 1996, RightWorks is a privately held company backed by Internet Capital Group and Sequoia Capital. Based in San Jose, Calif., RightWorks’ more than 250 employees are focused on delivering customer value from locations in 10 countries in North America, Asia, and throughout Europe. With a customer base growing by more than 300% in the last six months, RightWorks customers include corporations such as CSC, Fujitsu, Industrial America, Juniper Networks and others. RightWorks also powers leading e-marketplaces including VerticalNet, Network Commerce, eMerge Interactive, FacilityPro and others.

[1]: /graphic/rightworks/rightworks.gif
[2]: http://www.rightworks.com/

Fiserv & CardSite

Incurrent Solutions, the leading provider of Internet-based account acquisition and Cardmember Relationship Management solutions for the payment card industry, announced that Fiserv Orlando, a business unit of Fiserv, Inc., will be offering Incurrent’s CardSite system to its credit-issuing clients. Fiserv Orlando provides private-label, bank-card, and installment credit processing services to numerous leading retailers, manufacturers, and finance companies, including Conseco Finance, Shoppers Charge Accounts, John Deere Credit, Blair Corporation, Orchard Supply Hardware, Bombardier Capital, and others. These programs support numerous individually branded credit programs that represent more than six million total accounts nationwide.

![][1] CardSite, Incurrent’s comprehensive “Cardmember Relationship Management” system, generates significant card-issuer benefits by increasing brand loyalty and enabling cardholders to perform a vast array of account activities 24 hours a day, 7 days a week via Internet, wireless, and voice channels. These activities include viewing current or historical statements, paying bills, searching transactions, receiving e-mail alerts of their current account status, and much more.

“We’re extremely proud that CardSite has been selected by Fiserv to initiate its e-commerce strategy,” said Loren Hulber, Incurrent’s President and Chief Executive Officer. “Fiserv provides its credit-processing solutions through its outsourced implementation of PaySys International’s VisionPLUS software suite; and we now have the opportunity to link CardSite with VisionPLUS for the first time.”

“Incurrent knows the card industry and has the ability to implement CardSite extremely rapidly-the solution will be up and running in just four months,” said Max Narro, Fiserv’s Vice President of Credit Processing Services. “This new credit application and customer-service platform will provide us with an interactive channel through which our clients can deliver a wide range of cardholder conveniences to their customers. We are confident that CardSite will add value to our credit-processing solutions and that our clients will be pleased with this new, user-friendly solution.”

Founded in 1997, Incurrent Solutions ([www.incurrent.com][2]) provides advanced Internet and wireless services to card-issuing banks and transaction processors . In addition to Fiserv, Incurrent’s clients include Fleet Credit Card Services, Alliance Data Systems, NextCard, and 1st Financial Bank. Incurrent has seen the volume of its clientele’s total cardmember base swell from 15 million to 100 million in the last twelve months alone, reflecting a rapidly growing industry need for its services.

The company’s flagship solution, CardSite, provides a cutting-edge, Internet-ba sed account acquisition and service solution that enhances the cardholder experience and cultivates account loyalty at a cost that is significantly lower than traditional customer interaction methods. Cardholders enjoy real-time access to account information, statements, bill presentment, secure e-mail, reports, searches, interactive sessions, and other service-enhan cing tools over web, wireless, and voice channels.

CardSite is delivered under a comprehensive Application Service Provider (ASP) model. Incurrent combines its industry-leading CardSite with client-defin ed operating services and complete creative design and integration services to form a cohesive Internet and wireless cardholder solution.

Fiserv Orlando ([www.fisnet.com][3]), based in Lake Mary, FL, has been a leader in the financial information software and processing services industry for more than three decades. It has been a business unit of Brookfield, WI-based Fiserv, Inc. since 1997. By combining its decades of information-proce ssing experience with an outsourced implementation of VisionPLUS software, Fiserv Orlando is able to offer the industry’s most innovative, flexible, and affordable alternative for private-label, bank-card, and installment credit processing.

Fiserv (NASDAQ: FISV) is America’s leading independent, full-service provider of integrated data-processing services, information management systems, and software to more than 7,000 financial-service providers worldwide. Visit Fiserv’s corporate headquarters on the Internet at [www.fiserv.com][4].

CardSite and Cardmember Relationship Management are trademarks of Incurrent Solutions. Fiserv is a registered trademark of Fiserv, Inc. PaySys and VisionPLUS are registered trademarks of PaySys International, Inc.

[1]: /graphic/incurrentsoluctions/incurrent.gif
[2]: http://www.incurrent.com/
[3]: http://www.fisnet.com/
[4]: http://www.fiserv.com/

Virgin Rewards

Virgin Atlantic Airways’ frequent flyer cardholders will get a lift this month with the addition of seven new partners and a number of improved member benefits. The Virgin card is available in three levels: ‘Red’, ‘Silver’ or ‘Gold’. The most significant upgrade to the program has been extending the life of mileage expiration. Members who have any type of activity in their account in a three-year period automatically have their expiring miles extended for another three years. Premium Economy flyers now earn 50% more miles on all flights. In addition, the number of miles a member needs for reward travel has decreased on selected routes in Upper Class, Premium Economy and Economy. ‘Silver’ level members’ benefits have been expanded to include complimentary first class space available upgrades on Heathrow Express and Gatwick Express trains. ‘Gold’ level members can also take advantage of complimentary first class space available upgrades on the Heathrow and Gatwick Express trains, and a 30% discount on long-term parking with at Heathrow and Gatwick. New partner airlines include: Air Jamaica, Hawaiian Airlines, National Airlines and Nationwide Airlines (in South Africa). New hotel partners include: Le Petit Blanc and Taj Hotels, Resorts and Palaces.

VF & One Network

VeriFone, a division of Hewlett-Packard Company, announced that One Network is successfully using a VeriFone Integrated Payment Solution to offer paperless transaction processing solutions via the Internet. One Network, a VeriFone strategic e-Payment vendor, is now a one-stop-shop for financial services, providing corporations, their customers, and merchants with instant access to billing information over the Web.

One Network’s innovative Internet payment solution combines One Network’s exclusive patented technology with VeriFone software to offer a powerful, Web-based Automated Settlement Processing System. “One Network, a strategic e-Payment vendor, with VeriFone’s e-Payment Server (ePS) software, has created a premiere transaction-oriented paperless processing solution. It reduces bill processing costs while increasing a corporation’s and a merchant’s ability to obtain payments from their customers faster,” said Ross Bardwell, general manager of HP’s VeriFone E-Commerce Software Division.

One Network uses its EBASS(TM) system (Electronic Billing and Automated Settlement System) with VeriFone’s software to provide corporate billing applications to corporations and their customers with real-time bill presentment and automated settlement for faster funds flow. Through One Network’s comprehensive portal for financial services, corporate billing customers can pay bills on-line, access their bank accounts, and schedule bills to be paid on a regular basis. A corporation’s customers can also track their bill history and get reports on current account activity, from use of One Network’s Billspan(TM).

Merchants can streamline their billing on the Web, eliminating the need for stamps, envelopes and paper invoices. One Network’s solution can also be customized to fit a corporation’s or a single merchant’s individual needs for particular vertical markets.

“Internet bill presentment is an integral part of realizing the potential of true e-commerce,” said Thomas M. Cannon, president and CEO of One Network. “Paperless Electronic Bills combined with Automated Settlement (EBASS(TM)), means you can eliminate certain processing costs while reducing the time it takes to send, receive and settle the invoice. With our Electronic Lock Box, One Network moves money faster. We offer a unique and patented solution with VeriFone’s e-Payment Server software at the heart of the One Network engine driving settlement. Our solutions benefit billers, billees, and banks for true winning performance.”

One Network also uses VeriFone’s ePS to allow merchants to replace paper-based gift certificates with e-Gift cards, saving time and money. E-Gift cards can be automatically processed at the time of sale, reducing the risk of fraud and increasing brand awareness. With e-Gift cards, merchants can record and track customer purchasing information and shopping demographics using ePS technology.

About One Network

One Network, located in California’s Silicon Valley, was founded in 1998 to provide back-office, transaction-processing services to emerging eCommerce companies as well as established brick and mortar businesses. By connecting virtual and physical storefronts to secure Internet information services, One Network provides solutions for electronic gift certificates, loyalty programs, digital authentication and billing services. One Network’s paperless, scalable and rules-based solutions lower the cost of doing business while providing a seamless exchange service with real-time information for both merchants and their customers.

About VeriFone

VeriFone ([http://www.verifone.hp.com][1]), a division of Hewlett-Packard Company, is the leading global provider of secure electronic-payment solutions for financial institutions, merchants and consumers. The division has shipped more than seven million electronic-payment systems, which are used in more than 100 countries.

About HP

Hewlett-Packard Company — a leading global provider of computing and imaging solutions and services — is focused on making technology and its benefits accessible to individuals and businesses through simple appliances, useful e-services and an Internet infrastructure that’s always on.

HP has 86,000 employees worldwide and had total revenue from continuing operations of $42.4 billion in its 1999 fiscal year. Information about HP and its products can be found on the World Wide Web at [http://www.hp.com][2].

[1]: http://www.verifone.hp.com/
[2]: http://www.hp.com/

U.S. Bancorp Merger

U.S. Bancorp will be picking up $2 billion in credit card receivables following this morning’s announcement that it will merge with Firstar Corp. The merger is valued at $21.2 billion. The Firstar/U.S. Bancorp combination would become the 8th largest bank holding company in the United States, with assets of more than $160 billion. The franchise will span 24 Midwestern and Western states with 2200 branches. The transaction is expected to close in the first quarter of 2001. After the closing, the combined companies will operate under the U.S. Bancorp name and locate their corporate headquarters in Minneapolis. At the end of 2Q/00, Firstar has slightly more than $2 billion in credit card receivables and about 1.5 million gross accounts according to CardData (www.carddata.com). U.S. Bancorp reported $6.3 billion in credit card receivables and 4,080,00 gross accounts according to CardData (www.carddata.com).

SmartBenefits

This week, Washington D.C. Metro riders, who are eligible for monthly employee transit benefits, will become the nation’s first smart card users to receive their benefits electronically. The Washington Metropolitan Area Transit Authority and Cubic Transportation Systems introduced ‘SmartBenefits’. The program transitions the authority’s Metrochek farecard voucher program to the WMATA ‘SmarTrip’ card, making it the nation’s first transit program to offer automated delivery of transit benefits. The ‘SmarTrip’ system utilizes a contactless smart card and is the first major implementation of contactless smart cards for transit use in North America. Nearly 100,000 participants representing 2,300 companies and government agencies receive approximately $35 million in ‘Metrochek’ benefits annually. This translates to 1.7 million specially encoded farecards that are manually distributed from the transit authority to an armored car service, to employers, and finally to employees. Employees currently desiring to use through benefits on non-Metro facilities must trade these farecards for third party operator fare media.

Transact Plus Network

TransactPlus announced availability of the TransactPlus Network, a global network that will enable companies on the public Internet to exchange business transactions reliably and safely with customers, partners and suppliers.

TransactPlus operates the first Internet-based transaction delivery network (TDN) to support the inter-enterprise exchange of structured business documents such as purchase orders, price requests, credit check requests or catalog updates. The TransactPlus Network is based on technology developed at J.P. Morgan, whose own TDN delivers $800 billion of business transactions every day, totaling nearly one billion transactions to date without a single failure.

Historically, companies have relied on proprietary value-added networks (VANs), such as electronic data interchange (EDI) VANs, in order to deliver transactions between companies. However, these networks fail to support many types of business interactions, present complex integration challenges, and are extremely costly to operate. Based on Internet-era technology and economics, the TransactPlus Network provides 100 percent reliable and secure transaction delivery — over the Internet — with dramatically lower costs and complexity than VANs.

“Transactions are the language of the emerging B2B economy,” said Allan Lees, president and chief executive officer of TransactPlus. “Every transaction represents an opportunity to improve the way our businesses work together, yet the Internet has no infrastructure to support reliable transaction delivery. TransactPlus is now providing the infrastructure that is necessary for the Internet to become the dominant platform for transacting business.”

Ross Altman, research director, Gartner Group, said, “As enterprises connect to multiple trading partners and to several e-marketplaces, they’ll need a layer of network and application services on top of the Internet to provide the security, availability, and assured delivery that these B2B transactions require. While this software services layer can be implemented on a point-to-point basis, a third-party Transaction Delivery Network will provide a more attractive, many-to-many solution.”

About the TransactPlus Network

The TransactPlus Network is an Internet overlay consisting of transactional messaging application services, built on a physical network infrastructure, and supported by 24×7 Network Operations Centers. Customers who plug into the network gain access to:

— Trusted Transaction Delivery. The TransactPlus Network supports reliable, secure and manageable online commerce through guaranteed once-and-once-only message delivery, end-to-end public key infrastructure (PKI) security, directory and administration services.

— Online Business Continuity. TransactPlus provides a comprehensive set of message queuing, replay and non-repudiation services to eliminate business downtime, even in the event of a customer system failure or online dispute.

— Managed Global Infrastructure. The 24×7, global TransactPlus Network Operations Centers and Customer Care Centers proactively manage performance, availability and customer support to ensure 100 percent availability and security while eliminating the need for customers to build or operate their own infrastructure. Customers have browser-based access to manage their profiles and partner authorizations, as well as track, audit and replay transactional messages.

TransactPlus offers its full set of services through scalable service level agreements ranging from its basic offering of guaranteed delivery over the public Internet to its premium offering of guaranteed near real-time delivery over a dedicated TransactPlus infrastructure.

TransactPlus Customers

Companies seeking to establish secure, reliable online business relationships will benefit from the TransactPlus Network. Global 2000 companies gain a compelling alternative to expensive VAN or virtual private network (VPN) solutions, while internet-based businesses — such as ASPs, net marketplaces and eService providers — can efficiently outsource their transactional infrastructure to TransactPlus.

“As a globally managed application for order routing and management, S1’s Global ICE connects a network of broker dealers to their institutional customers, exchanges and other services and content,” said Nick Davidge, vice president, investments applications for financial application service provider S1 Corporation (Nasdaq: SONE). “To support the massive scale of transactions we enable, we require a global, 100 percent reliable, and 100 percent secure network for transaction delivery. We’re a customer of TransactPlus because we believe its approach to simplifying and lowering the cost for guaranteed transaction delivery represents the right approach for S1 and its customers.”

“As a net marketplace for bandwidth procurement, Acurion is dramatically improving efficiencies in network services procurement,” said Cesar Vallejos, CEO of B2B bandwidth marketplace Acurion. “Conducting our transactions over the TransactPlus Network would enable us to exchange business critical transactions with our customers, over the Internet, without the cost, complexity and time involved in building out our own messaging and security infrastructure.”

Pricing

TransactPlus provides per message and bandwidth-based pricing with predictable, tiered subscriptions. Entry-level service can cost as little as a few pennies per transaction and even the highest-level service level agreements can cost less than five percent of home-grown solutions.

About TransactPlus

TransactPlus, Inc. operates the TransactPlus Network: a transaction delivery network (TDN) providing the foundation for reliable and secure delivery of business transactions over the Internet. Backed by global, 24×7 operations support, the company’s proven network provides guaranteed once-and-once-only transactional messaging, PKI security, directory and administration services. TransactPlus dramatically lowers the cost, complexity and time to build and scale B2B relationships with customers, partners and suppliers by providing a 100% outsourced B2B computing infrastructure.

Launched in April 2000 as a spin-off from J.P. Morgan, TransactPlus has received significant technology and $10 million cash investments from J.P. Morgan, and receives ongoing technical and business support from LabMorgan, J.P. Morgan’s e-finance arm. TransactPlus, Inc. is headquartered in San Francisco, California with offices in New York, Boston and Washington DC. For more information, please visit [www.transactplus.com][1].

[1]: http://www.transactplus.com/

Double Miles

American Express and Delta Air Lines are beefing-up the ‘Delta SkyMiles Credit Card’. Starting this week, cardholders will be able to earn two ‘SkyMiles’ for every eligible dollar charged to the Delta/AmEx card for purchases at supermarkets, gas stations, drugstores, home improvement stores, the U.S. Postal Service, wireless phone bills and Delta Air Lines. Cardholders will continue to earn one ‘SkyMile’ for every eligible dollar charged for other purchases. AmEx and Delta have also added some special promotions to kick-off the enhanced cards. The first 10,000 consumers to apply for the new ‘Delta SkyMiles Credit Card’ online, will be eligible to have their frequent flyer miles matched from any one airline, up to 50,000 miles, and deposited in their ‘SkyMiles’ account. Delivery of miles is contingent on application approval and meeting a minimum spending requirement of $10,000 within six months of card membership. In addition, all new cardholders, who apply by Dec. 31, will have the opportunity to double their traditional welcome bonus mileage. For example: ‘Gold Delta SkyMiles’ cardholders will receive a welcome bonus of 10,000 ‘Delta SkyMiles’ upon their first purchase, which can double to 20,000 if $10,000 is spent in the first six months. The annual fees for the consumer cards are: ‘Delta SkyMiles Classic’ $55, ‘Gold’ $85, ‘Platinum’ $135.

ScanSource & VF

VeriFone, a division of Hewlett-Packard Company, announced it has signed a distribution agreement permitting ScanSource, Inc., to distribute VeriFone’s point-of- sale products. ScanSource is one of North America’s largest value-added distributors of POS and bar-coding products. The company also distributes business telephone and computer telephony products through Catalyst Telecom.

ScanSource will offer VeriFone’s extensive line of point-of-sale payment terminals, including credit, debit and smart card products designed for the multi-lane retailer through their value-added-reseller (VAR) channel. ScanSource will also distribute VeriFone POS printers and peripherals, software solutions and other products.

![][1] The agreement furthers ScanSource’s commitment to growing specialty technology markets by strengthening and enlarging the VAR channel. ScanSource’s commitment to VARs includes offering a broad product selection, competitive pricing, fast delivery, technical support, online ordering and configuration tools, system integration, sales training, customer financing and qualified leads.

“The addition of VeriFone’s world-class products to our lineup makes it easier for ScanSource resellers to provide their customers with total POS solutions,” said Scott Benbenek, ScanSource’s vice president of Merchandising overseeing the VeriFone line. “We’re committed to offering products to our reseller customers that will provide them with the best opportunities for success in a competitive marketplace, and we believe VeriFone’s leading e-payment solutions will perfectly complement our POS offering.”

“This agreement strengthens the distribution channel VeriFone uses to support our dealers and value added resellers, complementing our overall customer service offering,” said Bud Waller, vice president of North American sales for VeriFone. “In addition, ScanSource stocks VeriFone products in-house, providing our dealers and VARs quick, 24-hour turnaround of their orders.”

About VeriFone

VeriFone ([http://www.verifone.hp.com][2]), a division of Hewlett-Packard Company, is the leading global provider of secure electronic-payment solutions for financial institutions, merchants and consumers. The division has shipped more than seven million electronic-payment systems, which are used in more than 100 countries.

About HP

Hewlett-Packard Company — a leading global provider of computing and imaging solutions and services — is focused on making technology and its benefits accessible to individuals and businesses through simple appliances, useful e-services and an Internet infrastructure that’s always on.

HP has 86,000 employees worldwide and had total revenue from continuing operations of $42.4 billion in its 1999 fiscal year. Information about HP and its products can be found on the World Wide Web at [http://www.hp.com][3].

[1]: /graphic/scansource/scansource.gif
[2]: http://www.verifone.hp.com/
[3]: http://www.hp.com/

Wireless China Cards

FoneCash Inc. announced it has entered into discussions with MasterCard International in Beijing, China for a pilot program utilizing several hundred of the Company’s wireless phone terminals. These wireless units will be distributed to a select group of mobile merchants, such as limousine drivers, delivery service providers, and kiosk merchants in various locations throughout the city. The Company’s wireless terminal will accept credit and debit cards issued by 3 banks in China and, through its proprietary system, process the payments to the accounts of the participating merchants.

The company, through it’s Hong Kong subsidiary, FoneCash.com Limited, has registered its business in Shanghai and has rented an office in preparation for the pilot tests which would begin a month after the final negotiations with MasterCard. “This is the first step in our plan to concentrate resources in the growing China market,” stated Daniel Charboneau, President of FoneCash Inc. ” We are confident that we can demonstrate the superiority of our products and services for this very important client who, in turn, will add a significant degree of support to our efforts in Asia,” Charboneau added.

About FoneCash Inc.

The company has developed, under an exclusive licensing agreement with a U.S. Patent holder, a system of processing credit cards for low volume merchants and in-home salespersons. This device utilizes established communications networks, both wired and wireless, for processing the data from credit and debit cards. Settlement occurs when the collected data is sent to the card issuing bank, charging the customer’s account and electronically depositing payment in the merchant’s bank account, usually within 24 – 48 hours. The Company intends to market a complete processing system that is high quality and simple to operate. Revenues will be generated from sales/rentals of the terminals and from transaction charges. The current size of this market exceeds $500 million dollars. FoneCash Inc. soon expects to enter into the global market place.

Alliance One

Michigan credit unions have the answer for consumers interested in avoiding ATM surcharges — join a credit union.

Credit Union ATM Alliance, developed by Service Centers Corporation’s SC24 EFT network and the Michigan Credit Union League, has merged into Alliance One — the selective-surcharge ATM group based in Columbus, Ohio. The merger brings to more than 600 the number of participating financial institutions and more than 1,625 ATMs now in the Alliance One group. The merger has added almost 300 credit unions and more than 800 ATMs into the fold.

For consumers — specifically members of participating credit unions — the expanded alliance translates into double the access to surcharge-free ATMs. Alliance One network members enjoy surcharge-free ATM transactions in 22 states and Germany, with Michigan, Ohio, Kentucky, West Virginia and Indiana having the most participating credit unions. Consumers can locate participating credit unions and surcharge-free ATM sites by logging on to [http://www.mcul.org][1] and clicking the “ATM Search Engine” button.

The alliance was formed to provide credit unions the ability to offer members access to surcharge-free ATM terminals — even when traveling, but now includes other types of financial institutions, such as, community banks and thrifts.

Members of participating credit unions now need only look for the deep blue and white Alliance One logo to locate a non-surcharging machine. Those members can use the ATM free of surcharges, even if the ATM owner decides to surcharge other cardholders.

“The overwhelming majority of credit union leaders are united in their support of forming non-surcharging alliances within the credit union community,” said Dan Balagna, president and chief executive officer for SCC, which operates the SC24 EFT network, a credit union-owned EFT network. “We think that Alliance One has become a strong Midwest selective-surcharge group that has potential to expand regionally and nationally.”

“Michigan credit unions are committed to improving service for credit union members everywhere,” said David Adams, president and chief executive officer for the MCUL. “Alliance One allows credit unions to cooperate to provide an expanded network of surcharge-free ATMs to the individual members. This alliance reinforces the value of being a credit union member.”

Organized in 1934, the Michigan Credit Union League is a statewide trade association representing Michigan credit unions. Based in Northville Township with a satellite office in Lansing, the MCUL offers credit unions assistance in the areas of regulatory compliance, legislative advocacy, media advocacy, education and operational information. Visit the League Web site at [http://www.mcul.org][2] .

Service Centers Corporation is a not-for-profit credit union service organization (CUSO) owned and governed by over 240 credit unions with collective assets of over $18.9 billion and over 3.8 million members. In addition to its SC24 ATM network, SCC pioneered the nation’s first credit union shared branch network 25 years ago. SCC has 20 shared branches in Michigan and operates four shared branches in Virginia and Maryland near Washington, D.C., through a business alliance with Encore Branch Services Corporation, another CUSO based in Falls Church, Virginia. SCC’s SC24 ATM network serves over 200 credit unions with nearly 600 ATMs and can be found on its Web site [http://www.scc-sc24.org][3] . A list of the Alliance One ATMs is available on the Michigan Credit Union League Web site, [http://www.mcul.org][4] . SCC is an equal partner in the national shared branching network organization, Credit Union Service Centers Network, Inc. (CUSCNI), and a shareholder in Member Access, the national ATM network for credit unions.

[1]: http://www.mcul.org/
[2]: http://www.mcul.org/
[3]: http://www.scc-sc24.org/
[4]: http://www.mcul.org/

64K Card

Oberthur Card Systems launched the world’s first fully standardized 64K, RSA-enabled, Java-based ‘SIM Toolkit’ card. The ‘SIMphonIC SWIM’ card is the first on the market to bring together both the WIM and SIM Toolkit functions on one card. Developed with Infineon Technologies, ‘SIMphonIC SWIM’s’ RSA capabilities and memory size facilitate and support high-level security systems including PKI. The ‘SIMphonIC SWIM’ also supports simultaneous SAT & WIM hosting due to its 64K EEPROM user memory. ‘SIMphonIC SWIM’ is compliant with the ‘ETSI 11.11’ and ‘11.14’ specifications and is based upon the latest model in Infineon Technology’s 66Plus controllers’ family.