USA SMART LICENSES

In an effort to help pass House Bill No. 175, which would add features such as
biometrics and smart card technology to drivers’ licenses, Senior Business
Development Manager Frank Barbalace and Jim Curran, President of CIS, Inc.
will
testify on behalf of ORGA Card Systems in front the General Assembly of
Pennsylvania.

The Public Hearing on Identity Theft will begin on Wednesday, May 9, 2001.
ORGA Card Systems is currently one of the world’s leaders and specialists in
microprocessor-based Smart Card solutions and systems. ORGA has pioneered in
the area of Smart Card Technology and has played a major role in defining the
Smart Card environment in Europe since 1985.

Frank Barbalace and Jim Curran will demonstrate the effectiveness of smart
cards for identification purposes, using the smart card and biometrics-based
Indian State of Gujarat as a reference.

“It’s not a question of if we will have a smart card driver’s license in the
United States,” stated Frank Barbalace, “but rather when will we have one.”
House Bill 175 would require the use of smart card technology and biometric
imaging on all Pennsylvania commercial and noncommercial driver’s licenses and
state identification cards. Smart Cards, which contain an embedded chip, and
the use of biometrics could decrease identity theft.

Stored information on the chipcard will include the following license number,
the driver’s name, date of birth, address, physical description, digital
signature, fingerprint image, license expiration date, class of vehicle the
driver is authorized to drive, and any restrictions or endorsements. The
design
of the license would remain the same, except for the addition of the chip.
The driver’s license issuance project in the Indian State of Gujarat
demonstrates the use of cutting edge biometrics and chip cards. The smart card
license stores the cardholder’s fingerprint and digital signature, as well as
personal information. Gujarat is the first authority in the world to introduce
a smart card driver’s license project that uses fingerprint biometrics.
ORGA Smart Card Issuance stations provide a one-stop location that allows for
the entire process to be completed in one trip. The issuance stations consist
of smart card personalization equipment, which consists of a PC, smart card
printer, video camera, fingerprint capture device, and a signature tablet, as
well as customized software.
At the project’s completion, approximately 10 million smart card licenses will
be issued.

ORGA USA is the North American subsidiary of ORGA Kartensysteme GmbH
Germany, a
pioneer and global leader in smart card technology since 1985. Application
areas include telecommunications, health care, retail/loyalty, banking,
personal ID, and other emerging markets.
ORGA has established subsidiaries, branch offices, and joint ventures in
Brazil, China, Denmark, France, United Kingdom, Russia, Singapore, South
Africa, and the United States. Visit our Web Site at
www.orga.com
Curran Information Systems, Inc. provides marketing and information and
database management for the insurance and financial service industry. As part
of CFG, Inc., the company has provided consulting and management services to
providers of insurance and benefits for individuals and companies.

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Juniper Bank

The Federal Reserve Board this week approved the application of Juniper Financial Corp. to become a bank holding company by acquiring First Bank CBC, Maryville, MO. Juniper is in the process of closing its third round of funding in the range of $50 to $100 million. The latest round of funding, which is expected to close by the end of May, is contingent upon the approval of the acquisition of the Missouri bank. First Bank has $106.3 million in assets. Juniper intends to merge First Bank with and into DE-based Juniper Bank, a de novo bank that is not yet open for business. After the merger, Juniper will sell the assets and liabilities of First Bank back to Citizens Bancshares, the current owner of First Bank. Juniper will then purchase the assets and assume the liabilities of the credit card division it currently operates with Columbus Bank & Trust. Juniper specializes in online and wireless banking services and launched a MasterCard in October. Juniper was founded by Richard Vague, co-founder of First USA and Jim Stewart, former CEO of WingspanBank.com and EVP at First USA. (See CF Library 5/25/00; 7/31/00; 10/25/00)

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E-25 READER

SCM Microsystems, Inc. has shipped the E-25, the first
personal multi-functional smart card reader aimed at broadening the use of
smart cards. SCM developed the E-25 reader to match the new generation of
smart cards that offer several different applications on a single card. As
previously announced, Dalmatinska Bank Zadar in Croatia will use more than
100,000 E-25 readers for their Secure Internet Banking implementation based on
public key infrastructure (PKI).

Slightly bigger than a smart card, the E-25 reader can be kept around a
person’s neck as a corporate badge or simply attached to a belt. The reader
features a keypad for secure PIN code entry and an LCD to read data from the
card. It also features a Radio Frequency transmitter to open doors, access
courses for students or facilitate “on the spot” payment in cafeterias or on
public transportation.

The E-25 can also be connected to a computer via USB or RS-232 serial
ports for conventional smart card applications such as secure authentication
to networks, Internet payment or e-couponing downloads and loyalty
applications.

“The E-25 makes smart card usage more secure, more convenient for
multi-application situations and also more cost effective,” said
Mladen Filipan, executive vice-president of PC security at SCM Microsystems.
“This one device will literally permit secure access to any service, from
anywhere in the world. For instance, whether at home or when traveling, users
can securely access bank accounts or sensitive corporate data on the Internet,
by plugging the E-25 into the USB port of any PC. The E-25 reader is
absolutely unique in the market and firmly shows SCM’s commitment to
developing new technology for secure, multifunctional smart card deployments.”

The E-25 reader offers a cost effective solution for OEMs building systems
in corporate security, higher education and business-to-consumer fields
involving e-commerce and loyalty applications. The reader features a tamper
evident casing, has been tested with all the major smart cards on the market
and is available in different plastic casing and colors. SCM has direct
relationships with the world’s leading smart card manufacturers, to ensure
corporations and OEMs have strong reasons to buy the E-25 for their smart card
programs.

For more information on the E-25 reader, please visit http//www.scmmicro.com.

About SCM Microsystems

SCM Microsystems is a leading supplier of solutions that open the Digital
World by enabling people to conveniently access digital content and services.
SCM’s advanced silicon, hardware and software solutions enable secure exchange
of electronic information for digital applications from e-commerce to
broadband content delivery by providing controlled access points to platforms
such as PCs, digital cameras and digital television set-top boxes. Known as a
premier supplier to OEM companies around the world, SCM also serves the retail
market through its Dazzle, Microtech and FAST product brands. Global
headquarters are in Fremont, Calif., with European headquarters in
Pfaffenhofen, Germany. For additional information, visit the SCM Microsystems
Website at http//www.scmmicro.com.

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MONEY TRANSFERS

Orlandi Valuta, a subsidiary of First Data
Corp., Banco Nacional de México, S.A. (Banamex) and California
Commerce Bank announced that they have entered into an agreement
that will facilitate consumer money transfers to and from Mexico.
Banamex and CCB, both subsidiaries of Grupo Financiero Banamex-Accival
(Banacci), will become a principal agent in Mexico for Orlandi Valuta consumer
money transfers. As Mexico’s leading bank, Banamex will offer Orlandi Valuta
money transfer services at its approximately 1,700 bank branch and sub-agent
locations within the next few days, strengthening the Orlandi Valuta agent
network in Mexico, which currently includes more than 900 locations throughout
Mexico. With Banamex, Orlandi Valuta will now offer customers the added
convenience of receiving their money transfers in the form of a cash pay-out,
improving upon the company’s current check-based disbursement.
“We are very pleased to establish this alliance with Orlandi Valuta,” said
Manuel Medina Mora, chief executive officer for Banacci. “The new services
offered under our agreement will provide even greater value to consumers
sending money to and receiving money in Mexico. The simplified process backed
by Banamex’s ability to pay cash throughout Mexico will ensure a safe,
reliable
and convenient way for consumers to send their hard earned money home.”
“The simplicity and confidence offered to consumers as a result of our
agreement between Banamex and Orlandi Valuta greatly improves the ability for
Orlandi Valuta customers to send their money home quickly and safely,” said
Charles T. Fote, president and chief operating officer for First Data Corp.
“Orlandi Valuta has been a leader in providing a simple and secure money
transfer service to Mexico, this agreement with Banamex extends that
leadership
position to the benefit of our customers.”

About Banacci
Grupo Financiero Banamex-Accival is Mexico’s leading financial group.
Following
a universal banking strategy, the Group offers a variety of financial services
to companies and individuals, which include commercial and investment banking,
insurance, and fund management. Banamex, founded in 1884, is Mexico’s leading
commercial bank in terms of equity.The Bank has an extensive distribution
network of more than 1,300 branches and 3,000 ATM’s located throughout the
country.

About California Commerce Bank California Commerce Bank provides full banking
services for companies and individuals that do business in Mexico and the
United States. As part of Grupo Financiero Banamex-Accival, CCB is the U.S.
banking arm of Banco Nacional de Mexico (Banamex), Mexico’s leading bank. As
such, CCB is the gateway to and from Mexican financial markets. With over $2.1
billion in assets and advanced international information technology systems,
CCB is a valued resource for customers with interests, which cross national
boundaries. For more information, visit California Commerce Bank at www.ccbusa.com.

About Orlandi Valuta

Orlandi Valuta, a subsidiary of First Data Corp. (NYSE FDC) provides same day
and next day electronic money transfer service from the United States to
locations in El Salvador, Honduras, Guatemala and all 32 states in Mexico. In
operation since 1986, Orlandi Valuta has established a safe and reliable agent
network with more than 4,500 locations.
About First Data Corp.

Atlanta-based First Data Corp. (NYSE FDC) powers the global economy. Serving
nearly 2.5 million merchant locations, more than 1,400 card issuers and
millions of consumers, First Data makes it easier, faster and more secure for
people and businesses to buy goods and services, using virtually any form of
payment credit, debit, stored-value card or check at the point-of-sale, over
the Internet or by money transfer. For more information, please visit the
company’s Web site at www.firstdata.com.

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SUNGOLD DEAL

Sungold Entertainment Corp. announces that an agreement has been completed for
the acquisition of the entire world wide right, title and interest to the
internet payment system technology of SafeSpending Services Inc. The internet
payment system business is a growing multi billion dollar market.

The acquisition agreement with SafeSpending includes all copyrights,
trademarks, source codes and SafeSpendings’ intellectual property. Under the
terms of the agreement Sungold has agreed to pay a 7.5 percent royalty of net
revenue relating to the technology and 330,000 common shares in the capital of
Sungold Entertainment Corp. upon Sungold or it’s subsidiary Horsepower
Broadcasting Network Inc. receiving $1,000,000 in net revenue from the sale or
license of the technology. The SafeSpending internet payment system is a
pre-paid spending system that uses cards with a unique PIN number which can be
used to make purchases online from merchants or individuals.
A survey by Odyssey Online found that 83 percent of respondents said that
payment security concerns prevented them from shopping online.
The alternatives to credit and debit cards being offered as more secure
alternatives, such as Smart Cards, fail to address consumer concerns about
privacy.

SafeSpending has developed a system which allows consumers to pre- purchase
spending cards of a certain value that will enable the consumer to purchase
online without divulging any personal, confidential information as would be
necessary if one used a credit card or any other traceable transaction
service.

The pre-paid cards will be of a certain value (e.g. the cards value will come
in $25.00, $50.00, $75.00 and $100.00 increments), allowing the consumer to
choose which card best suits their purchasing needs. The cards will be
available behind the counter at most major retailers.

Online merchants can be assured of almost immediate payment, and pay a smaller
fee to the Company for use of the SafeSpending payment system than they would
usually pay to a credit card company. Merchants accepting prepaid spending
cards would be immune from fraud. Music and media outlets, looking for ways to
tap into the vast teen market online, may find prepaid spending cards a
solution to their current marketing dilemma. Individuals selling on auction
sites could receive payment from bidders by providing SafeSpending with an
account number. Conversely, auction sites are looking for solutions to the
fraud for which their sites are becoming infamous. Online gamblers can monitor
their wagering by using age restricted SafeSpending cards instead of credit
cards.

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FDC Denver

First Data Corp. confirmed yesterday it is moving its global corporate headquarters from Atlanta to Denver. President and COO Charlie Fote will relocate to Denver upon completion of a new building in mid-2002. Fote has been based in the Denver area for more than 17 years. He will assume the CEO post at First Data in January, succeeding Ric Duques, who will remain Chairman of the Board. FDC has about 2,600 employees and a core team of senior managers based in the Denver area. In April, FDC broke ground on a new 166,000-square-foot Douglas County office complex in the Meridian International Business Center just outside of Denver. Several First Data business units are already headquartered in Colorado, including Integrated Payment Systems; SkyTeller; govONE Solutions; First Data Payment Services; and Western Union Financial Services. First Data has more than 27,000 employees globally.

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OLD NEWSPAPER PAYMENTS

Old news is shunned in the newspaper business, but now it might mean new
money
Cold North Wind Inc. and microCreditCard Inc. announced today a strategic
alliance designed to bring searchable images of newspapers in their original
published form and the power of online content sales to the newspaper
industry.

Cold North Wind generates new revenue from old news by digitizing newspaper
archives on microfilm and then publishing and selling those images on the
Internet. Together with microCreditCard, the Internet’s leading
credit-card-based micro-payment facilitator and alternative billing provider,
they will tour North America, educating publishers on ways to turn old news
into real profits.

“We are excited about this partnership with microCreditCard. They are the best
online payment solution around – it will be a powerful relationship,” said Bob
Huggins, CEO of Cold North Wind. “Newspapers on microfilm provide us with a
remarkable view of the past. Unfortunately, access to this material is limited
by the locality of both microfilm readers and microform collections. Today,
users want to get this information on the Internet. But digitizing these
archives and then marketing them over the web can be arduous and expensive for
a newspaper to undertake on its own. Together with microCreditCard, we offer
newspapers a painless, quick method for converting archives and realizing
profits from them.”

Cold North Wind’s process creates and publishes searchable digital images of
every page in a newspaper — not just selected stories. Currently, most
newspapers provide a limited number of online articles in ASCII form from the
past five to ten years only. As a result, the sole method of searching
newspaper archives is through microfilm, a time-consuming process.
In February, New York Post and Cold North Wind Corp. announced a letter of
intent to digitize and publish the microfilm archives of the New York Post
newspaper and make it available on the Internet. Readers will be able to
search
and view the original printed format from the paper’s almost 200 year-old
archive.

“We want to help publishers get past the online content sales hurdle,” said
Leslie Poole, CEO of microCreditCard. “The Internet has great potential to act
as a record keeper and revenue generator, but that potential has not yet been
realized. microCreditCard eliminates a myriad of technical, administrative and
financial obstacles, so that Web sites can realize revenue from content within
hours. The best part is that our technology is applicable to an array of
content formats, from music, to movies to articles. Our solution comes at a
critical time when content providers are searching for revenue sources –
microCreditCard and Cold North Wind are here to help.”
microCreditCard’s products were created in response to content providers’
frustration with the difficulties and cost involved in developing a payment
process. microCreditCard is one of the first companies to offer a
micro-payment
solution and its services suite is the only same-day solution enabling credit
card transactions.
Cold North Wind was attracted to the company’s ability to accommodate multiple
currency management, subscription management, digital content management, and
the ability to sell digital content either via subscription or in “unbundled”
individual units, such as a single archived page.

About microCreditCard

Headquartered in Arlington, Va., microCreditCard, Inc., is the Internet’s
leading credit card-based micro-payment facilitator and alternative billing
provider. Founded in 1999, microCreditCard’s robust solution, which
consists of
a Content Gateway(TM), a Payment Gateway(TM), and an Aggregation
Engine(TM), is
easy to set up and allows transactions for 10(cent) and higher.
microCreditCard offers three tiers of service – microCreditCard Managed,
Managed Plus, and Premium – depending on the needs of the merchant. For more
information about microCreditCard, visit its Web site at www.microCreditCard.com.

About Cold North Wind

Founded in 1999, Cold North Wind is creating a worldwide online newspaper
archive. The company turns newspaper archives on microfilm into
high-resolution, searchable, digital images on the Internet. Cold North Wind
provides revenue-producing solutions to organizations that hold valuable
microform archives, as well as to distributors of online content.
Through partnerships with newspapers, media corporations, micropublishers and
content distributors, Cold North Wind is providing business solutions to
enable
publishers to create new revenue streams from archived materials. Cold North
Wind Corp. is based in Framingham, Massachusetts. Its parent company, Cold
North Wind Inc. is headquartered in Ottawa, Canada.
For further information, please visit www.coldnorthwind.com.

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Cap One Purchase

Capital One Financial has agreed to acquire AmeriFee Corp, a major provider of patient financing solutions for elective dental, orthodontic, vision and cosmetic procedures. Cap One is paying $81.5 million for the acquisition, with $65 million to be paid in cash and the remainder in common stock. Cap One will also make additional payments for hitting performance targets. AmeriFee, a privately held company with more than 160 employees based in Southborough, MA, will become a wholly owned subsidiary of Capital One. Current management of AmeriFee will continue to manage its operations as a subsidiary of Capital One.

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Austin Logistics Execs

Austin Logistics Incorporated, providers of well-known call-targeting software such as CallTech(tm), CallSelect(tm), and OnQ, announced important additions to its sales staff.

Hank Wier has been named vice president of sales. Wier comes to Austin Logistics from Fair, Isaac & Company, with extensive experience managing organizations that sell to the financial services industry. At Austin Logistics, he will leverage the company’s reputation for innovative yet practical solutions within the financial services sector.

Mike Kuryak, most recently vice president of sales and marketing, has been named vice president of customer support, partnership management, and international distribution. He will further enhance client satisfaction with Austin Logistics’ renowned client support, and will expand its products through strategic partners and licensed distributors worldwide.

Jack Rasmussen, also from Fair, Isaac, is joining Austin Logistics as senior sales executive. Rasmussen brings more than 20 years of experience in model building, management, and sales of custom models and software.

Buzz Sawyer joins Austin Logistics as senior software sales advisor. With 20 years of product management and technical sales experience, he is respected in the financial services industry for innovative solution designs. Before joining Fair, Isaac nine years ago, Sawyer was a founding partner with PaySys International (formerly Credit Card Software).

“Together, these organizational changes will allow us to continue our intense focus on customer satisfaction, while managing the growth that has come with success,” said Daniel Duncan, president of Austin Logistics.

About Austin Logistics Incorporated

Austin Logistics has been trusted since 1992 by America’s largest financial services companies for innovative, practical solutions to increase effectiveness of consumer credit collections, telemarketing, and risk management. For further information on Austin Logistics, please visit the web site at [http://www.austinlogistics.com][1].

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

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BOUTIQUE BOULEVARD

The Mouvement des caisses Desjardins continues to
innovate in the area of e-commerce, It will soon offer consumers a virtual
shopping service with secure payments from its website at www.desjardins.com.
Desjardins has also joined with a Québec company, Clic.net, which is known for
its expertise in developing e-commerce solutions, to design its virtual mall
(boutiqueboulevard.com) of stores that have signed on to use its Internet
payment server. Canada Post will make its eParcel(TM) shipping service
available to shoppers for delivery of their purchases. Through this new
venture, Desjardins has now extended the range of its financial services to
include the B2C market.

The Desjardins payment server, using Touchlink technology, is a virtual
terminal that executes on-line transactions through a secure connection.
Payment transactions are controlled, authorized and validated by Desjardins,
so there is no risk for either the consumer or the merchant. The way it works
is simple the transaction data (order information, client identification,
credit card number) are encrypted, then transferred from the buyer’s computer
to the Desjardins server, which is the only computer that can read the
encrypted data.

It is estimated that as many as 35% of Canadian Internet users will be
making purchases on line in 2003, mainly motivated by conveniences such as
being able to make their purchases from home, and being able to shop outside
of regular store business hours.

“We are very aware of the fact that the main obstacle to developing the
B2C market is payment security. Lack of confidence and fear of giving a credit
card number over the Internet, despite the various security measures in place,
are often the main reasons consumers give to explain why they hesitate to make
such transactions. Desjardins is addressing that concern by ensuring payment
security, thereby establishing a climate of confidence that will benefit both
the consumer and the merchant”, said Mr. Eric Lemieux, Vice-President
Electronic Access and Payment Services at Desjardins.

According to Mr. Louis-Marius Gendreau, President of Clic.net “On-line
sales should be worth around $15 billion by 2003. Companies cannot ignore such
an enormous source of sales and custumers, Clic.net and Desjardins are
offering them efficient, secure and easy-to-use tools at a very affordable
price to develop this potential, allowing them to benefit fully from all the
advantages of on-line sales.”

Mrs. Francine Conn, General Manager, Distribution Business at Canada
Post, said “Canada Post is excited to be part of the total Desjardins service
package. Our alliance in this new initiative is consistent with our e-commerce
strategy and our commitment to offer small and medium-size companies business
solutions that meet their specific needs.”

ABOUT DESJARDINS

With overall assets reaching $80 billion and more than 36,000 employees,
the Mouvement des caisses Desjardins is the top financial institutions and the
largest private employer in Québec. It is the only one to offer, through its
network of caisses located throughout Québec, a full range of financial
products and services. Desjardins is a leader in Québec in terms of e-
commerce with more than 1,500,000 visits per month,
www.desjardins.com is the
most frequented financial site in Québec and second in Canada, and 28,000
companies are already using its AccèsD Affaires business service. The
Mouvement Desjardins’ mission is to contribute to the economic and social
well-
being of individuals and communities.

ABOUT CLIC.NET

Founded in 1994, Clic.net allows small and medium businesses to sell
their products on the Internet in a secure, multi-currency, and bilingual
environment. Furthermore, with this solution a merchant does not need to
invest in expensive technological devices or software. Also working in the
creation of transactional web sites and electronic catalogues, the company won
the Boomerang Prize for best transactional for its achievements.
Commercialized under a private brand by its partners like Canada Post,
Clic.net’s products and services are used by more than 900 Canadian merchants.
This makes Clic.net the first ASP (“Application Service Provider”) e-commerce
solution provider in Canada. Its e-commerce solution is the only one on the
market to integrate Canada Post’s shipping technologies and Fortune 1000’s
accounting technologies. 45 professionals specialized in IT are working for
Clic.net in its Montreal and Québec City offices.

ABOUT CANADA POST

Canada Post is Canada’s leader in physical and electronic delivery
solutions, offering a full range of cost-efficient distribution services for
SMB’s. with choices of speed, features and extra options. Canada Post provides
safe secure deliveries to all addresses in Canada and to destinations all over
the world. Canada Post serves more than 30 million Canadians at some
13 million addresses, and nearly one million Canadian companies. The company
was incorporated in 1981 and employs more than 50,000 people; its revenues
exceeded $5,6 billion (Canadian) in 1999/2000.

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ClearCommerce SafeDebit

NYCE Corp., one of the leading electronic payments companies in the United States, and ClearCommerce Corp., a provider of transaction management software for e-commerce infrastructure, announced they have signed an agreement that will expand the growth of SafeDebit. As part of the agreement, Internet merchants that use ClearCommerce’s transaction processing engine will be offered the capability to accept the new SafeDebit cards for payment. This agreement will help further SafeDebit card acceptance at participating retailers, which in turn, will add value to the efforts of the card issuing financial service community and open new channels for SafeDebit users. NYCE-innovated SafeDebit is the first convenient and portable way to make PIN (personal identification number) secured debit purchases on the Internet from any standard PC with a CD-ROM drive. It is also the only real-time PIN-based debit Internet payment method that does not require consumers to install special hardware. Under terms of the agreement, SafeDebit will be included as part of the ClearCommerce(R) Engine.

“Offering the benefits of SafeDebit Internet transactions to our worldwide merchant base is another step forward for ClearCommerce in our efforts to make online retailing as secure as possible,” said Robert Lynch, president and chief executive officer of ClearCommerce. “We’re known for providing leading-edge enhanced fraud protection for merchants, and working with NYCE to add SafeDebit is an enhancement that we anticipate will be well-received by our merchants.” Building on the successful evolution of real-time payments technology, SafeDebit works just like an ATM card for the Internet, allowing consumers to make PIN-secured purchases with funds withdrawn directly from their checking accounts. And just like an ATM card, the SafeDebit card holds consumer information in encrypted and embedded format. The data is passed via the Internet directly to existing secure online debit networks and financial institutions for authorization and settlement – the industry’s most reliable and secure technology infrastructure. As such, cardholder and transaction data is treated as securely as the billions of ATM and debit point-of-sale transactions that are made each year.

“SafeDebit was designed to facilitate convenient, efficient and secure Internet purchase transactions, particularly for fraud-wary consumers or those seeking an alternative to credit cards,” said Paul Turgeon, senior vice president with NYCE. “We’re glad that NYCE innovation has contributed to ClearCommerce’s decision to choose SafeDebit to help support its rapidly expanding e-commerce infrastructure.” The ClearCommerce Engine capabilities include: real-time transaction processing with credit card processors, fraud analysis and protection, business reports for merchants, storefront integration, application programming interfaces (APIs) to businesses’ existing ERP or inventory systems and shipping and tax calculation.

About Clear Commerce

Austin, Texas-based ClearCommerce is a provider of e-commerce transaction software and services for enterprises and Commerce Service Providers, including Apple Computer, Chase Merchant Services, PETsMART.com and EDS. ClearCommerce provides transaction management technology directly and indirectly through Commerce Service Providers for more than 40,000 merchants worldwide. Features of ClearCommerce software include real-time credit card processing and Internet fraud protection, as well as online reports, storefront integration, back-end integration, shipping/tax calculation and delivery of digital merchandise. For more information, please visit [www.clearcommerce.com][1].

About NYCE Corp.

NYCE Corporation is one of the leading electronic payments companies in the United States, providing financial institutions and retailers with shared network services for automated teller machines (ATMs), on-line debit point-of-sale (POS) and emerging real-time payment solutions. The company also provides processing services that support ATM management and monitoring services, as well as debit card issuance and authorization solutions. Through a long-standing commitment to product innovation, NYCE has established itself as a front-runner in real-time person-to-person (P2P) payment services and PIN-secured Internet debit payment solutions. Comprising 2,400 financial institution and retail ATM deployer participants, the NYCE Network processes nearly 93 million transactions per month while servicing more than 47 million cardholders through 44,000 NYCE-branded ATMs and 250,000 POS locations. NYCE Corporation is headquartered in Woodcliff Lake, NJ, and can be found online at [www.nyce.net][2].

[1]: http://www.clearcommerce.com/
[2]: http://www.nyce.net/

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