Baltimore Tech Exec Change

Baltimore Technologies announced that Peter W. L. Morgan, currently deputy chairman, has been appointed as non-Executive Chairman, succeeding Professor Henry J. Beker. Fran Rooney, CEO of Baltimore Technologies, commented: “Peter Morgan has been Deputy Chairman of Baltimore Technologies and senior non-executive director since December 1998 and a member of the Board since 1994. He brings considerable experience to the chairmanship of Baltimore Technologies. On behalf of the company, I wish to recognise Henry’s contribution as the founder of Zergo Holdings and for his leadership over the years.”

Henry Beker is leaving the Company to devote more time developing his interests in several new economy start-up companies, leading a major UK IT educational initiative as well as strengthening his academic links.

Peter W. L. Morgan is a former Chairman of SWALEC plc, NPI, Pace Micro Technology plc and KSCL Ltd. Currently he is a director of Oxford Instruments plc, Firth Holdings plc and AMP (UK) plc. He is also a member of the Council of Lloyd’s and a director of the Association of Lloyd’s Members. He is a former director of IBM (UK), IBM Europe, and is a former Director-General of The Institute of Directors.

Peter Morgan, Chairman of Baltimore Technologies plc, commented: “I am excited by the huge potential for Baltimore Technologies. Our achievements over the past few years have laid a strong foundation for the company to continue to expand as a global force in high-technology.”

Henry Beker founded Zergo Holdings Ltd in November 1988. He was its Chairman and CEO and lead Zergo to its full London listing in July 1998. Following the merger with Baltimore Technologies in 1999, Zergo changed its name to Baltimore Technologies and Fran Rooney was appointed as CEO whilst Henry Beker continued as non-executive Chairman.

This announcement follows the recent appointment of two new non-executive members of the board of directors. John P. Cunningham is Senior Vice President and Chief Financial Officer of Citrix Systems, Inc and George W. Powlick is Managing Director of Doughty Hanson & Co.

About Baltimore Technologies

Baltimore Technologies develops, markets and manages security products and services to enable companies to develop trusted, secure systems for e-business, the Internet and mobile commerce. Its products include a wide range of Public Key Infrastructure (PKI) products and services, wireless e-security solutions, cryptographic tool-kits, security applications and hardware cryptographic devices. Baltimore’s global team of professionals offers a wide variety of consulting, training and deployment support to its customers worldwide. Baltimore Technologies markets and sells its solutions directly and through the TrustedWorld(TM) Channel program. TrustedWorld includes many of the world’s leading technology companies and a wide variety of global, regional and local business alliance partners.

Baltimore Technologies employs over 730 people worldwide and operates from over 28 cities with headquarters in Dublin, Ireland; London, UK; Boston, USA and Sydney, Australia. Baltimore Technologies plc is a public company with dual listings on NASDAQ (BALT) and the London Stock Exchange (BLM).

For further information and press releases on Baltimore Technologies, please visit [http://www.baltimore.com][1] Baltimore Technologies, Telepathy, TrustedWorld, PKIWorld and Baltimore product names including UniCERT, UniCERT Options, MailSecure, PKI-Plus and J/CRYPTO are all trademarks of Baltimore Technologies plc. All other trademarks are the property of their respective owners.

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

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VISA & PeoplePC

San Francisco-based PeoplePC, Inc. and VISA USA signed agreements to offer VISA cardholders a new name-brand computer, unlimited Internet access, a three-year limited warranty with 24×7 customer service, and access to a variety of leading online retail partners for as little as $24.95 a month for three years. Every VISA cardholder who signs up for a PeoplePC membership through March 31, 2001, will receive a special offer on a name-brand color printer for $49 plus shipping and handling when purchased with a VISA card.The “Get on the Web” program starts Nov. 1st. VISA will market the Internet computer program to cardholders through member banks using Web content and off-line marketing.

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MasterCard & MyPoints

San Francisco-based MyPoints.com and MasterCard signed a three-year, multi-million dollar marketing agreement yesterday. Under terms of the deal, MasterCard will be cited as the preferred payment provider on the MyPoints Shopping! network. In addition, MasterCard becomes a MyPoints.com client, enabling it to market its ‘MasterCard Exclusives Online’ program to the MyPoints’ member base of more than 15 million Internet users. This alliance follows MyPoints.com’s July introduction of its ‘MyPoints MasterCard’ card, issued by NextCard. MyPoints members are already eligible to earn points for a wide variety of online and offline activities including reading and responding to targeted email and Web-based offers, visiting Web sites, shopping, and dining out.

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NextCard Calling Cards

deltathree, Inc., the IP telephony network and provider of Hosted Communications Solutions for service providers worldwide, announced it will enable Internet telephony-driven communications devices for NextCard, Inc., the leading issuer of Internet credit cards on the Web. Starting this fall, NextCard credit cardholders can automatically activate Global Calling Card functionality from their existing NextCard account. This agreement marks the latest Hosted Communications Solution deal for deltathree.

The new service will offer rates as low as 8.9 cents per minute for calls made to the U.S. and Canada and 11 cents per minute for international calls. In addition to Phone-to-Phone services, deltathree will provide NextCard with a full range of services branded under the NextCard name that will allow users to instantly activate their credit cards online for Phone-to-Phone service. deltathree will also provide NextCard with the e-commerce infrastructure to bill its customers for their Phone-to-Phone use.

“NextCard’s use of IP-driven calling cards is a perfect example of how deltathree’s Hosted Communications Solutions can be used to enhance branding and strengthen customer loyalty,” said Noam Bardin, President and CEO of deltathree. “These offerings enhance the customer value proposition and augment revenue streams with minimal upfront investment.”

To make a phone call over deltathree’s award-winning IP telephony network NextCard credit cardholders will simply enter their NextCard Global Calling Card PIN number. To activate the account and load calling minutes onto the cards, customers will log onto NextCard’s account management site (my.nextcard.com) and input the increments they wish to purchase, which will be billed directly to the credit card. NextCard cardholders will receive 30 free minutes for the initial sign up when the service launches later this month. “NextCard continuously strives to expand the functionality of our credit cards for our customers,” said Yinzi Cai, general manager of Credit Card Business, for NextCard. “Enabling credit cards as communications devices is a natural evolution for us, given our consumer focus.”

With over 500,000 customers, a network of over 60,000 affiliates and exclusive relationships with leading online brands including Amazon.com (Nasdaq:AMZN) and MyPoints (Nasdaq:MYPT), NextCard is the leading issuer of online credit cards and one of the top direct marketers and advertisers on the Internet. The Company owns minority stakes in Flooz.com, the premier online gift currency, and Paytrust.com, the leader in online bill payment.

About deltathree

A provider of cutting edge Internet telephony services and infrastructure for service providers worldwide, deltathree’s global network consists of a full range of Internet-based communication products and services. The company’s customizable Hosted Communications Solution enables any company to develop branded telecommunications services without having to build infrastructure, billing, customer service and e-commerce systems to support them. All these services are provided by deltathree in addition to the company’s suite of Internet-based communication products that include PC-to-Phone calling, Phone-to-Phone calling, unified messaging (which allows users to manage their emails, faxes and voicemails using a single account), and ClickIT(TM) (which enables visitors to a website to place a call to a customer service representative using their PC). deltathree’s corporate website can be found at corp.deltathree.com.

deltathree’s experience in providing innovative products and services is based on the development of its own customer base of over 3.2 million users through its consumer division iConnectHere.com ().

deltathree currently routes IP telephony traffic in over 160 countries and for 14 international telecommunications carriers. The company’s network consists of 107 Points of Presence in over 40 countries. deltathree recently received the Best Built Public Network Award for excellence in IP services/applications at SUPERCOMM 2000, a major industry commendation, and was named the best IP telephony provider by Smart Money magazine.

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Brit Students & Cards

While less than 10% of British students use the Internet to access bank accounts, the most popular account feature is the debit/’Switch’ card. About 85% of students use debit cards and 88% of graduates use checking books. The study by Royal Bank of Scotland also found that more than two fifths of graduates use telephone banking compared with 36% of students and, while the use of Internet banking is relatively low in both groups, 31% of students thought they would be more likely to use the Internet if they could access their accounts from a non-secure site. Less surprisingly, only 19% of students and 14% of graduates believed that freebies and incentives influenced their choice of bank account or payment card.

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MPS Signs Fazoli’s

Fazoli’s Restaurants has chosen Fifth Third Bank’s subsidiary, Midwest Payment Systems, to provide credit card processing and Internet-based imaging technology for its 330 locations in 28 states. Fazoli’s Italian Restaurants bring together two of America’s most popular dining concepts-the Italian family restaurant and the fast-food outlet. Providing “Real Italian. Real Fast(R),” Lexington, Kentucky-based Fazoli’s specializes in providing quality food with reasonable prices and quick service.

As part of Fazoli’s initial roll-out of accepting credit card payments, Fifth Third will provide Visa(R), Mastercard(R), Discover(R) and American Express(R) credit card processing services to the company. In addition, Fazoli’s will be utilizing MPS’ back-office imaging technology, Mvision. Fifth Third’s Internet-accessible payment management system, Mvision enables retailers to scan receipts, handwritten notes or other documents into the system for responding to inquiries from customers or financial institutions.

“Partnering with Fifth Third Bank for credit card processing and back- office management services enables us to launch credit card acceptance the right way from the beginning,” offers David R. Smith, Vice President & Chief Financial Officer, Fazoli’s Restaurants. “Quality service is one of our highest priorities at Fazoli’s and Fifth Third Bank is enabling us to offer another level of service to our customers.”

Fifth Third Bank Executive Vice President Barry L. Boerstler, adds, “We are pleased to be a strategic partner to Fazoli’s Restaurants as they roll-out credit card acceptance. Our technologically-advanced, efficient services, especially Mvision, will enable the company to hit the ground running and immediately provide better service to the customers they value so highly.”

Fifth Third Bank processes 4.8 billion ATM, POS and e-commerce transactions per year for more than 65,000 retail locations and financial institutions worldwide, including The Kroger Co., Circuit City, Office Depot and CompUSA. Fifth Third Merchant Services processes over $50 billion in credit card sales annually.

Fifth Third Bancorp (Nasdaq: FITB) is a diversified financial services company headquartered in Cincinnati, Ohio. The Company has $45 billion in assets, operates 14 affiliate banks with 640 full-service Banking Centers, including 116 Bank Mart(R) locations open seven days a week inside select grocery stores and 1,400 Jeanie(R) ATMs in Ohio, Kentucky, Indiana, Florida, Arizona, Michigan and Illinois. A leader in e-commerce, Fifth Third was named #1 e-business innovator by PC Week. Fifth Third’s financial strength continues to be recognized by rating agencies with deposit ratings of AA- and Aa2 and commercial paper ratings of A1+ and P1 from Standard & Poor’s and Moody’s, respectively. Fifth Third operates four main businesses: Retail, Commercial, Investment Advisors, and Midwest Payment Systems, the Bank’s data processing subsidiary. Investor information and press releases can be viewed at

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Smart Cards Chicago

The Chicago Transit Authority has awarded Cubic Transportation Systems a $5.2 million contract for additional smart card-enabled equipment. The CTA’s introduction this month of the new Cubic contactless technology made Chicago the first U.S. city to introduce systemwide a multi-agency, intermodal smart card-based mass transit fare collection system. Under terms of yesterday’s deal, Cubic will provide new equipment such as wheelchair accessible gates designed to comply with the ADA; mass use gates designed to accept both smart cards and magnetic stripe tickets; exit gates; high-barrier security gates; smart card-enabled ticket vending machines; and information center/passenger units that will allow passengers to check the value and expiration date of smart cards and magnetic stripe cards.

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AmEx Breast Cancer Campaign

American Express has renewed its commitment to raising awareness and money for breast cancer by launching “Shop for the Cure,” a campaign to raise $500,000 for the Susan G. Komen Breast Cancer Foundation.

American Express will donate 1-cent for every purchase made on an American Express Card at participating retailers and malls from September 1st through the end of October — Breast Cancer Awareness Month. Since 1998, through similar retail promotions, American Express has raised $800,000 for the fight against breast cancer. Donations are not tax deductible for Cardmembers.

![][1] “Being a good corporate citizen in the communities in which we live and work is a core value at American Express,” said John Theiss, vice president, retail industries, American Express. “We are pleased that so many new retailers have partnered with us this year in the battle against breast cancer which allows us the opportunity to raise awareness about this terrible disease among a greater number of Cardmembers and consumers.”

As part of this year’s campaign, American Express is also sponsoring “Ten Stories, One Journey: Surviving Breast Cancer” at Westfield Shoppingtown Garden State Plaza in Paramus, New Jersey. This photo essay will feature the portraits of eleven New Jersey-area women who have survived breast cancer. Their stories, along with breast cancer detection tips and contact numbers for breast cancer organizations, will be available in free books that will be available to mall shoppers while the gallery is open from September 18th – October 28th.

American Express is committed to raising awareness and making donations towards finding a cure for breast cancer. In addition to donating $800,000 to breast cancer causes over the last two years, American Express is also a longstanding sponsor and participant in the annual Susan G. Komen Breast Cancer Foundation New York City Race for the Cure(R). The company also received the U.S. Postal Service’s first Social Awareness Award in May 1999 for its role in promoting nationwide awareness of the Breast Cancer Research Semi-Postal Stamp.

“On behalf of everyone at the Susan G. Komen Breast Cancer Foundation, I want to thank American Express, as well as its Cardmembers and participating retailers, for sharing this exciting opportunity to join our fight against breast cancer,” said Nancy Brinker, founding chair of the Komen Foundation. “The Shop for the Cure program is the ultimate “gift with purchase” — the gift of hope. Together, we can make a difference in the lives of millions of women and their families facing this life-threatening disease.”

In all, American Express Cardmembers will be able to “Shop for the Cure(R)” at nearly 50,000 retail locations nationwide including over 150 malls and approximately 750 national retail chains and local stores. Cardmembers will also be able to “Shop for the Cure(R)” at participating Web retailers. Cardmembers can visit to search for the retailers and malls that are participating in their local area.

The Susan G. Komen Breast Cancer Foundation was established in 1982 by Nancy Brinker to honor the memory of her sister, Susan G. Komen, who died from breast cancer at the age of 36. Today, the Foundation is an international organization with a network of volunteers working through local Affiliates and Komen Race for the Cure(R) events to eradicate breast cancer as a life- threatening disease by advancing research, education, screening and treatment. For breast health or breast cancer information, contact the Komen Foundation’s National Toll-Free Breast Care Helpline, 1.800.I’M AWARE(R), or visit its award-winning Website, .

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, investment products, insurance and international and online banking. For more information on American Express, visit our website at .

[1]: /graphic/americanexpress/breastcancer.gif

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Union Bank Check Cashing

Greenland Corporation announced that it had signed an agreement with the Cash and Save Division of Union Bank of California. The Agreement is for the provision of a limited number of Greenland’s automated check cashing ATM machines and for the processing services for these machines.

Dr. Lou Montulli, CEO of Greenland Corporation stated, “Greenland Corporation is very excited to have entered into this Agreement with Union Bank of California. We hope this is just one of many agreements with a financial institution that is progressive in recognizing the opportunities that the Greenland machine presents. The Union Bank of California Agreement will allow Greenland to not only demonstrate the effectiveness of its automated check cashing machine but also to demonstrate the quality of its processing services that will hopefully become the new standard of technology for the industry.”

Dr. Montulli reported that Union Bank of California is a wholly owned subsidiary of UnionBanCal (NYSE: UB), a bank holding company with assets of $33.7 billion. Union Bank of California is the second largest commercial bank headquartered in California, with over 246 branches in offices in California, Oregon and Washington, and 18 international facilities.

Ms. Yolanda Brown, Union Bank of California vice president and manager of the Cash and Save Division indicated, “Union Bank of California is a forerunner in developing and providing comprehensive personal and commercial financial products and services to individuals, businesses and government agencies, and are differentiated from our competitors by providing personalized, high-quality and responsive service. Union Bank of California has taken a lead role in providing a range of financial services to underserved neighborhoods and to the inner city.”

“We recently acquired a 40% equity position in a privately held company that operates 47 check cashing offices throughout Southern California. We believe there is a need to bring convenient banking services such as check cashing, traditional and non-traditional banking services including money orders, money transfer, telephone debit cards and loans back to the community. Our Agreement with Greenland will allow us to expand our services in this arena.”

About Greenland Corporation

Greenland Corporation is a developer and manufacturer of automated payroll check-cashing machines with full ATM functionality, phone card sales, money order dispensing and payday advance services. The Company’s automated financial services machines are being developed to provide dispensing of travelers checks, wire transfers, bill paying and electronic benefit transfers in addition to cashing payroll and government checks. The company’s common stock trades on the OTC Bulletin Board under the symbol “GLCP”. Visit Greenland Corporation on the Internet at .

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Three Dollar Smart Card

In advance of the launch of ‘VISA Smart’, Gemplus, Sun Microsystems and VISA announced from Brussels yesterday, the availability of a three dollar ‘Open Platform’ smart card. The ‘GemXpresso Lite’ smart card is a cost breakthrough product based on the multi-application ‘Java Card’ platform. While inexpensive, the card can host various combinations of applications, such as loyalty, secure Internet access and electronic purse, which can coexist alongside VISA’s debit/credit payment applications. With ‘Open Platform’ also offers a dynamic downloading capability that enables applications to be securely loaded or removed from a card after it has been issued. The card will use an 8K chip that offers 8K RAM and 24K ROM. A 32K RAM version is under development. VISA says it has also negotiated other discounts with terminal and systems vendors to provide a complete multi-functional smart card solution that can be easily cost justified. VISA has more than 80 smart card programs in 35 countries and on the Internet, with 23 million VISA chip cards, including eight million ‘VISA Cash’ cards.

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Gen 1 Cards

A new study found that ‘Gen 1’, or kids 2-24, is the most financially savvy demographic group ever. According to the new research, these consumers have been born into an environment overloaded with advertising, and, consequently, have become desensitized to its motivational purpose. Bombarded by more marketing messages than any preceding demographic group, members of ‘Gen I’ are not impressed with flashy graphics, games, gimmicks or celebrity endorsements. The study by Kalorama Information says Internet retailers have to overcome two obstacles to capture online youth spending, namely, parental reservations and the lack of credit card access. The teen payment cards hitting the marketplace are opening the way for retailers to tap into the $14 billion of annual offline and online spending that is expected to be generated by ‘Gen 1’ consumers in 2004.

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BofA Pix Cards

Bank of America is bringing picture-perfect security to customers in Florida with its introduction of the Photo Security Check Card and Photo Security Credit Card. Bank of America, the largest Check Card issuer, is the first bank in this state to offer the check card product.

Each Photo Security Card features a customer’s photograph and signature. Both the Check Card and Credit Card offer a new level of protection against card fraud and theft. Merchants who accept the card for payment can easily verify a customer’s identification by just looking at the card. Customers are additionally protected by the Bank of America coverage of any liability incurred for properly reported unauthorized transactions and 24-hour monitoring of suspicious account activity.

The Photo Security(R) Cards are available free of charge to new and existing Bank of America checking account customers and credit card customers. Customers can sign up to receive the cards at Florida banking centers, where customers’ photographs are taken onsite.

“Bank of America is committed to protecting our customer’s financial relationship. With the introduction of Photo Security cards, we will reduce fraudulent use of our customer’s Check Cards and set the standard for consumer protection among financial institutions,” said Katherine Lacoste, senior vice president for Consumer Card Sales at the Charlotte-based bank.

The Photo Security Check Card can be used for ATM transactions as well as for purchases anywhere the Visa(R) symbol is displayed. The Check Card offers the convenience and ease of a credit card, but purchases are deducted directly from the customer’s checking account with no monthly fee or interest charges.

Bank of America was the first bank to offer complete liability protection for its Check Cards and ATM cards. Before its leading industry move in 1997 to waive liability, customers could be held responsible for unauthorized transactions.

Bank of America is the largest check card issuer with more than 22 million cards issued. Additionally, Bank of America has more than 13,000 ATMs nationwide. Bank of America is also the third largest bank credit card issuer, as measured by purchase volume.

Bank of America (NYSE: BAC), with $680 billion in assets, is the largest bank in the United States. It has full-service operations in 21 states and the District of Columbia and provides financial products and services to 30 million households and two million businesses, as well as international corporate financial services for business transactions in 190 countries. The company’s stock (ticker: BAC) is listed on the New York, Pacific and London stock exchanges, and certain shares are listed on the Tokyo Stock Exchange.

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