Corporate Profile for BNA Smart Payment Systems, dated Sept. 20, 2002.

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Published Date:   Sept. 20, 2002

Company Name:     BNA Smart Payment Systems

Address:          314 Main Street
                  Schomberg, ON L0G 1T0
                  Canada

Main Telephone
 Number:          905 939-9537

Internet Home
 Page Address
  (URL)           www.bnasmartpayment.com

Chief Executive
 Officer:         Matt Moore

Chief Financial
 Officer:         Mike Sorbara

Investor Relations
 Contact:         Matt Moore
 Business number: 905 939-9537
 E-mail address:  [e-mail]

Public Relations
 Contact:         Walter Murphy
 Business number: 678 360-3793
 E-mail address:  [e-mail]

Industry:         Financial Services - Transaction Processing


    Company description: BNA Smart Payment Systems is uniquely
positioned to take advantage of the coming of age of smart cards,
while providing solutions that work well in today's technical
environment. With BNA's smart solutions there is no need to swap out
terminals or applications as smart cards become more prevalent in the
North American markets. All BNA smart solutions support current
operating standard for ABA track 1 and 2 cards, for credit and debit
applications.
    The Toronto-based systems integrator, with decades of development
experience, develops certified payment applications for:

    --  credit

    --  debit

    --  e-purse/stored value

    --  gift certificates

    --  loyalty programs

    BNA has certified payment applications for all the major U.S.
transaction processors and is always adding to the list. For a current
list of certifications, please contact BNA directly.
    BNA is the North American distributor of Belgian's Banksys'
sophisticated terminal - the C-ZAM/SMASH.

    --  Standard TCP/IP communications

    --  Standard Ethernet communications card

    --  Integrated pin pad, with highest security

    --  Reads ABA track 1 and 2 stripe and EMV smart cards

    --  EMV level 1 and 2 compliance

    --  Standalone and multi-unit configurations

    --  Retail, Restaurant and Grocery industry compatible

    --  Java development environment

    BNA has a service and support center servicing Canada and the
United States. The full range of merchant support is available to best
serve the client.

    --  Application Downloading

    --  Registration and Personalization

    --  Testing and Deployment

    --  Training

    --  Ongoing merchant support

    --  Troubleshooting

    --  Replacement and Repair

    BNA Smart Payment Systems Ltd. is an independent company, owned
and managed by a group of payment professionals with decades of
experience in North America. Based in Toronto, BNA markets a suite of
certified payment applications from credit/debit to loyalty and gift
certificates. BNA resources include a highly skilled team of software
engineers for development and customization of applications. BNA also
provides sales, marketing and technical support for Banksys products
in North America and is uniquely positioned to take advantage of the
coming shift to smart "chip" cards in North America. BNA staff
supports all products, hardware and software, through a maintenance
center established to serve Canada and the United States efficiently.