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Microcap & Penny Stocks : Columbia Capital Corporation-Computerized Banking (CLCK) -- Ignore unavailable to you. Want to Upgrade?

To: Dan Dieffenwierth who wrote (629)	9/25/1998 11:24:00 AM
From: Dave Dalry	Respond to of 1020

All we've seen so far are letters of intent with no projections.. Anyone can sign a letter of intent, this is getting somewhat frustrating.. So far we've seen no news of substance, and the stock continues to tank.. Earnings are the only thing that can boost this stock up.. People are getting tired of the smoke and mirrors.. And before anyone accuses me of bashing the stock, save your words.. It is all true.. Dave

To: Dan Dieffenwierth who wrote (629)	9/25/1998 12:34:00 PM
From: FastC6	Read Replies (1) \| Respond to of 1020

Is the Acquisition accretive to earnings?......if not WATCH OUT!!!

To: Dan Dieffenwierth who wrote (629)	9/26/1998 8:28:00 AM
From: Jeffrey L. Henken	Respond to of 1020

So what's with the latest press release? CLCK Acquiring Two Electronic Processing Subsidiaries? With the culmination of this acquisition, product and service offerings by the combined companies will include medical and university smart card programs, frequent buyer and loyalty programs, terminal sales and support, as well as point-of-sale terminal card processing, utilizing the company's proprietary communications center and switching facilities as well as an expanded EBT program: biz.yahoo.com Exactly what are SMART CARDS? 'Smart cards are intelligent cards, with an integrated circuit containing a microprocessor which is capable of running a number of programs'. They are also described as a piece of plastic the size of a credit card with a computer embedded in it. They differ from normal conventional cards in that normal conventional cards have a magnetic strip where as these have a built in chip. Normal conventional smart cards cannot hold large volumes of data, where as smart cards have the capacity to concentrate and manipulate a huge amount of information in a tiny space. Smart cards tend to operate as a sort of electronic purse in that they can be charged up with funds encoded onto the card. Shops, banks and retail outlets can then deduct the price of products from the card. This way no change is exchanged between the parties. It is done automatically by electronic means. Smart cards are seen by some as revolutionary, where as others think they conspire against humanity. Smart cards simplify the purchasing procedure, it saves having to carry around loose change it makes payment less complicated, however one big disadvantage associated with it is the fact that there is lack of privacy and confidentiality Smart cards hold a great deal of information which can identify the bearer. Smart cards provide data portability, security and convenience. Smart cards help businesses evolve and expand their products and services in a changing global marketplace. Banks, telecommunications, computer software and hardware companies, and airlines all use Smart cards. Smart cards? Not exactly CLCK's traditional business is it? Exactly how are these cards going to expand CLCK's business? I mean is it just the cards alone or all the associated technology and processing services? I don't know but here is something more about smart cards being used for EBT.: Optical Smart Cards are uniquely qualified to replace obsolete and inefficient paper-based government social programs with highly secure Electronic Benefit Transfer ('EBT') cards. Advantages of Optical Smart Cards for EBT systems, over competing technologies such as chip and magnetic stripe cards include: Complete Security against fraud and misuse for both the government and individual benefit receiving clients: Information digitally written on EBT Optical Smart Cards: sni.net So exactly how is this deal with ABN going to expand CLCK's business and what other ties might there be to the processing CLCK is already doing in the healthcare and EBT businesses? I'm not sure but look at this excerpt from ABN's latest 10K filed online: Transaction Processing. In 1997, the Company added capabilities in transaction processing to its domestic operations and has begun the acquisition of merchant processing portfolios. The Company services credit, debit, ATM and Electric Benefit Transfers ("EBT") transactions and loyalty and university card programs through proprietary computer and telephone switching hardware and software which process financial transactions and provide customized client reporting, customer service and support. sec.gov Well that's all I could find. It's impossible to say what all was acquired here, or at what price to whom, but it certainly does look like CLCK has expanded and diversified their business again by continuing it's expansion into the electronic commerce arena. Looks like we are making a strong move to assure continued profits well into the future to me. Regards, Jeff