Creative Digital Technology, the parent company of GPayments, was founded in 1992 and is now the leading provider of e-business solutions in Australia with expertise in web application development, application service provision and a focus on eCommerce. Specific strengths of CDT include transaction systems, virtual private networks, database connectivity, security, website design and integration with existing back-end systems. Further information can be found at www.creative.com.au.

Visa International is the world's leading full service payment network comprised of an association of over 21,000 member banks. There are currently over 1 billion Visa cards in the market today accepted at almost 22 million locations in 300 countries and territories. Visa also operates the world's largest and most sophisticated consumer payments processing system, Visanet. Visa plays a pivotal role in advancing new payment products and technologies on behalf of its members. Further information can be found at www.visa.com.

MasterCard International has a comprehensive portfolio of well-known, widely accepted payment brands including MasterCard, Cirrus and Maestro. More than 1.7 billion MasterCard, Cirrus and Maestro logos are present on credit, charge and debit cards in circulation today. An association comprised of more than 20,000 member financial institutions, MasterCard serves consumers and businesses, both large and small, in 210 countries and territories. With more than 22 million acceptance locations, no card is accepted in more places and by more merchants than the MasterCard Card. The association is focused on providing its member financial institutions with customized, meaningful global e-business solutions that connect them to customers in both the online and offline worlds. Further information can be found at www.mastercard.com.

JCB International began its international development program with the firm commitment of offering the same quality service and the same convenience to JCB cardmembers overseas. A JCB card issuance program was launched in Hong Kong in 1985, and from the early 1990s on, our international issuance and merchant acquisition program has attracted more and more of the world's most reputable financial institutions to become JCB partners. JCB continues to pursue even greater global expansion from a solid foundation as a major international card brand, and at the moment 48 million of the world's most desirable cardmembers hold JCB cards -- which are accepted at 10.93 million associated merchants and supported by close ties with more than 320 financial institutions worldwide. www.jcb-global.com.

Sun is absolutely focussed on executing a single vision for Network Computing: Everyone and everything connected to the network. The single vision and core competency is delivering products and services that improve network infrastructure. The vision is focused, compelling, unrelenting, and backed by the breadth and depth of solutions, services and support to serve customers. www.sun.com.

nCipher Corporation is a leading provider of cryptographic technologies that allow organizations to fully secure and 'lock' their e-business and public key infrastructure (PKI) applications. These are critical for banking and financial institutions, e-retailers, service providers, governments and e-businesses. Further information can be found at www.ncipher.com.

Eracom Technologies has been a leading developer and global supplier of no-compromise cryptographic based IT security products and solutions for more than twenty years. They are a key player in the IT security industry, providing highly scalable, reliable and strong solutions to meet the most stringent security requirements for confidentiality, authentication, integrity and non-repudiation. Further information can be found at www.eracom-tech.com.

BioPassword is a software company providing secure authentication and anti-fraud solutions based on the behavioral biometric of keystroke dynamics. BioPassword leads the development of next generation authentication monitoring and enforcement solutions with patented, high performance behavioral biometric processing products that provide low cost multi-factor secure authentication, are transparent to the user and immediately deployable across both the organization and the Internet without the need for expensive hardware. Further information can be found at www.biopassword.com.