Retail Merchant Account

We will begin training and hiring for the Brooklyn New York AllState Merchant Service (AMS) February 15th, 2008. In 2008 we intend to hire a minimum of 400 new account managers which will build relationships, grow their customer base and will provide proper customized vehicles for merchants which accept or want to accept Visa, MasterCard, American Express, Discover, debit cards, electronic checks etc' We are committed to reliability, customer service and assure each merchant of a dedicated account representative for quality account management. AMS also offers a variety of credit card processing terminals, pos systems, web based processing systems for retail, mail/ phone order, internet based, and home based and service related industries. AllState Merchant Service, LLC. guarantees customer satisfaction and discounted rates.

Fortis transformation reflected in new top management structures

Fortis will restructure its top management as of 1 January 2008.[1] The Executive Committee will be recomposed and responsibilities redistributed. A Business Executive Committee - which will replace the Fortis Management Committee - will be installed and will operate in closest collaboration with a Group Executive Committee. Taking into account the Fortis managers who have already taken up responsibilities within ABN AMRO, Fortis is convinced it now has the adequate management structure in place, not only to guarantee the successful integration of the acquired businesses, but also to develop Fortis as a whole.

1. The Group Executive Committee will consist of:

* Jean-Paul Votron, CEO and Executive Director (Audit reports directly to the CEO);

* Herman Verwilst, Deputy CEO and Executive Director (Human Resources, Public and External Affairs, Business Transformation Office report to the Deputy CEO);

* Gilbert Mittler, Member of the Group Executive Committee responsible for Finance, Risk and General Counsel;

* Filip Dierckx, Member of the Group Executive Committee responsible for Merchant Banking;

* Lex Kloosterman, Member of the Group Executive Committee responsible for Private Banking, Asset Management, Investor Relations and Corporate Social Responsibility;

* Camille Fohl, Member of the Group Executive Committee responsible for Retail Banking and for Global Branding and Communications;

* Peer van Harten, Member of the Group Executive Committee responsible for Insurance and for Real Estate;

* Alain Deschênes, Member of the Group Executive Committee responsible for Technology and Information Services, Operations, Facility, Purchasing and Process Improvement.

New mobile payment service eschews cash and checks for phones

Mpayy Inc., an online and mobile payment processing company, will launch tomorrow a service that enables merchants and shoppers to conduct retail transactions using mobile phones and online payment accounts. Shoppers can use the Mpayy service with roving salespersons or on retail web sites.

Merchants set up accounts on Mpayy.com to establish a mobile payment system. Mobile merchantsMpayy is not yet targeting bricks-and-mortar retailerscan access reports on sales, send funds to desired banks, manage refunds and perform other tasks through a web-enabled administrative application. Shoppers set up accounts on the Mpayy site, entering their mobile phone number, account nickname, and checking account information.

To conduct a transaction with a roving merchantan Avon lady, for examplea shopper logs in to Mpayys mobile web site and enters the merchants mobile phone number or nickname, enters the amount of the purchase, and submits the information, which brings up a transaction confirmation page with a Pay button to complete the purchase.