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To: Jim Bishop who wrote (97880)	12/13/2001 11:28:27 PM
From: Buckey	Respond to of 150070

NXCD news one ti buy and hold for a buyout DD required NextCard Awarded Patent Covering Multiple On-Line Offers of Credit and Real-Time Balance Transfers SAN FRANCISCO, Dec 13, 2001 (BUSINESS WIRE) -- NextCard, Inc. (Nasdaq:NXCD) today announced that, on November 27, 2001, the U.S. Patent and Trademark Office (PTO) issued NextCard's first U.S. patent, No. 6,324,524. The patent, entitled "Method and Apparatus For An Account Level Offer of Credit and Real Time Balance Transfer," relates to the core functionality of NextCard's proprietary online credit underwriting and approval system. NextCard's technology enables it to offer consumers several credit card pricing options when they apply online. The most attractive pricing option involves a balance transfer from the consumer's other credit cards. The ability to attract balances at the time of application is a core competitive feature of the NextCard system. Credit card balances are a key driver of portfolio revenue. The patent includes 12 claims, each of which relate to NextCard's "method and apparatus for customizing multiple offers of credit based on applicant data." The applicant data may be obtained from credit bureau reports and may include balances held in other credit accounts possessed by the applicant. NextCard's now-patented system allows a credit card issuer to use credit bureau data, in real time, for the purpose of presenting offers based on balance transfers from the applicant. The system includes a procedure for generating multiple offers to an applicant based on credit bureau data, including FICO(R) score, applicant income and existing balances held in other credit accounts. The system permits multiple offers based on credit report data, each of which contains variants of such terms as interest rate, annual fee, credit limit and balance transfer amount, and includes a procedure for allowing the applicant (once an offer is accepted) to select the account(s) and balance amounts the applicant would like transferred, and confirming that the balance transfer(s) have been performed. To retrieve the patent online, go to patft.uspto.gov and enter the number, "6,324,524" in the query box. Additionally, NextCard calls investors' attention to the following information about the timing of NextCard's Capital Restoration Plan initially mentioned in its October 31, 2001 press release. As indicated in the Company's Form 8-K, filed on November 27, 2001, the Office of the Comptroller of the Currency (OCC) delivered to NextCard a Prompt Corrective Action (PCA) directive. The PCA requires NextBank to provide to the OCC an acceptable Capital Restoration Plan within 45 days of November 15, 2001. The Form 8-K is available at www.nextcard.com in the "Investor Relations" section. About NextCard NextCard, Inc. (www.nextcard.com) is a leading issuer of credit cards on the Internet. Launched in 1997, the Company was the first to offer instant online credit card approval, a choice of customized credit card offers, and exceptional online customer service. NextCard is a direct marketing expert on the Internet, operates a network of more than 90,000 online affiliates, and has exclusive card relationships with leading online brands, including Amazon.com and MyPoints.com. NextCard was named the No. 1 Internet credit card by Gomez. According to the 2001 Brittain Associates "Credit Cards on the Net" study, NextCard leads the online credit card market with a 26 percent share. NextCard, Inc. issues credit cards through NextBank N.A., a wholly owned subsidiary.

To: Jim Bishop who wrote (97880)	12/14/2001 9:43:32 AM
From: Taki	Read Replies (1) \| Respond to of 150070

VRDE good news out and rocking. Veridien Corporation and DuPont Sign Letter of Intent Strategic Alliance to Sell Veridien and Other Products To Be Jointly Developed ST. PETERSBURG, Fla.--(BUSINESS WIRE)--Dec. 14, 2001--VERIDIEN Corporation (OTCBB:VRDE - news) and DuPont Canada, Inc., a subsidiary of E.I. du Pont de Nemours and Company (NYSE:DD - news), signed a Letter of Intent to enter into a strategic alliance to manufacture and distribute Veridien's patented disinfectant and antiseptic Viraguard product line, SunSwipe(TM), BugSwipe(TM), and other products to be jointly developed in the United States and Canada. ``Veridien and/or affiliates would arrange for the manufacture of the products and DuPont would oversee the distribution and sales.'' Further, ``DuPont would assist, participate and fund further testing of the products to be jointly marketed.'' The Letter of Intent also contemplates that Veridien may distribute certain DuPont disinfectant/sterilant product(s) in Canada and the United States which product(s) are complimentary to Veridien's product offerings. The terms of the Letter of Intent will be binding upon the signing of further definitive agreements. About Veridien Veridien Corporation is a Health Care Company focusing on Infection Control and other Healthy Lifestyle products. Veridien has developed PATENTED and UNIQUE PRODUCTS including SURFACE DISINFECTANTS, SANITIZERS, ANTISEPTIC HAND CLEANSERS, INSTRUMENT PRESOAK, LENS CARE, AND SUN PROTECTANT PRODUCTS. The flagship product Viraguard® Hospital Disinfectant/Cleaner and Instrument Presoak is a skin friendly, patented, U.S. - EPA and Health Canada registered, surface disinfectant. Viraguard® Antiseptic Hand Gel and Viraguard® Antimicrobial Towelettes are U.S. - FDA and Health Canada drug listed products utilizing Veridien's patented Virahol® formulation. Look for Veridien at: vrde.com, veridien.com And The SunSwipe Corporation L.L.C. at: sun-swipe.com Special Note: Forward-looking statements in this press release are made pursuant to the ``safe-harbor'' provisions of the Private Securities Litigation Reform Act of 1995. Investors are cautioned that such forward-looking statement involve risks and uncertainties, including without limitation, market acceptance of, and demand for, the Company's products, manufacturing, development and distributor issues, product pricing, competition, technological changes and other risks not identified herein. The Company disclaims any intent or obligation to update any forward-looking statements. -------------------------------------------------------------------------------- Contact: Veridien Corporation, St. Petersburg Investor Relations: Cheryl Ballou, 727/576-1600 Veridien@GTE.net Email this story - Most-emailed articles - Most-viewed articles