Catuity, Inc. is a leading provider of application so ftware that allows merchants, transaction processors and payment card issuers to establish and administer customer incentive and loyalty programs integrated to the payment system at the point of sale. The Catu ity system can be utilized via mag stripe, smart card, RFID or contactless tokens and to date Catuitys software applet has been included on millions of chip- based credit cards. Catuity Loyalty Software can be used by a broad range of sellers of goods and services, particularly those who sell both through store locations and over the Internet. In addition to its innovative software products, Catuity also provides marke ting expertise and service to its clients so that with Catuitys loyalty solution, merchants can offer their customers valuable benefits, thereby attracting and retaining customers as well as encouraging increased purchases. More information on Catuity is available at its website: http://www.catuity.com.