PARTNERS

The DRF was formed in 1990 by a group of direct marketers interested in developing and maintaining communications and relations between direct marketing companies and the credit card associations. Since its inception, the DRF has provided members with a unique, open forum for networking and education in all aspects of payment acceptance and processing and industry best practices.

HP is a technology solutions provider to consumers, businesses and institutions globally. The company's offerings span IT infrastructure, personal computing and access devices, global services and imaging and printing.

Oracle is the second largest software company in the world and a leading provider of state-of-the-art global e-business solutions for Internet commerce and Web-based applications. With annual revenues exceeding $9.1 billion, the company offers its Internet platform, tools, and internet-enabled applications, along with related consulting, education, and support services, in more than 145 countries around the world.

Postilion, a division of S1 Corporation (NASDAQ: SONE), is a leading provider of integrated solutions for self-service banking and payment processing. Our offices, on five continents, serve customers in more than 50 countries. The Postilion product drives self-service financial transactions and payments, including advanced transactions such as prepay, through Internet access points, ATMs, POS terminals, and phones. This multi-channel architecture - built on open systems - provides consolidated management information, card management, 3DES and EMV enablement, and loyalty software solutions. At the forefront of compliance with new regulations and security enhancements, such as application validation for Visa's Cardholder Information Security Program Payment Application Best Practices (CISP PABP), Postilion can help customers achieve compliance with the latest data security standards developed by the payment card industry (PCI DSS). More information is available at www.postilion.com.

Quova, Inc. is the leading provider of geolocation services to online businesses. Quova's patented technology provides the geographic location of web site visitors in real-time, enabling businesses to manage digital rights, target content, detect fraud, conduct site analysis and ensure regulatory compliance.

Sun Microsystems, Inc. has long been synonymous with leading edge technology. Now, after 20 years of telling the world "The Network is the Computer," Sun is poised to become the leader in the emerging network-driven economy.

Sybase is the enterprise integration company that bridges heterogeneous technologies. With industry-leading Enterprise Portal (EP), mobile and wireless solutions, essential integration products, and high performance database management systems, Sybase is one of the largest independent software companies in the world.