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  Press Release


Press Contact: Julie Bower, Rivercalm. Tel: 020 7665 1636 Email: bower@rivercalm.com

Mosaic Software signs Independent Software Vendor (ISV) Agreement with Microsoft

London, 19th November 2001 - Mosaic Software, provider of electronic funds
transfer (EFT) software for consumer-generated electronic transactions, has
entered into an Independent Software Vendor (ISV) Royalty Licensing Agreement
with Microsoft EOC (European Operation Center).

The agreement allows Mosaic Software to distribute SQL Server 2000
internationally in conjunction with Mosaic Software's Postilion solution.
Postilion, a Microsoft Windows NT/2000 based advanced EFT Solution, has been
optimized to make efficient use of SQL Server. According to the agreement,
Mosaic Software will gain access to beta versions of Microsoft products,
enabling them to test these products in-house even before they are released.
High quality and reliability are of the utmost importance to Mosaic Software,
and pre-testing of Microsoft versions will maintain their competitive advantage.

Stevi Lowmass, General Manager of Mosaic Software Europe, says: "We are very
pleased with this development. Our global partnership with Microsoft will mean
that we are even better equipped to offer a unified solution. Some of the
benefits that our clients can look forward to include greater ease of
customisation and installation, getting a total solution from one source, and
cost savings. We are comfortable with SQL's scalability, reliability and low
cost per transaction. "

Peter Rist, Business Partner Manager at Microsoft Europe says, "We are
committed to our relationship with Mosaic Software on an international basis.
Their product proves that SQL Server can successfully operate in the enterprise
space - in mission critical systems, where security, reliability and
interoperability is fundamental."

About Mosaic Software
Mosaic Software is a leading edge provider of electronic funds transfer (EFT)
software for consumer-generated electronic transactions, and is the market
leader for web-enabled ATM and prepay software solutions. The company is held
by strategic partners GE Equity and Comparex Holdings, and Mosaic Software
management. With offices in the UK, the US, South Africa and Australia, Mosaic
Software has a strong global presence.

The company is firmly established in the financial services industry and its EFT
solutions drive operations in a large number of multinational companies and
industry leaders around the globe. Clients include financial institutions,
retailers, Internet service providers, card issuers, telcos, data processing
service providers and some of the foremost players in the emerging online
industry.

Mosaic Software's European clients include Retail Decisions (ReD), Transaction
Network Services, Royal Sun Alliance, GE, and Ashburn UAB.

For further information please see www.mosaicsoftware.com

About Microsoft
About Microsoft
Founded in 1975, Microsoft Corp. (Nasdaq "MSFT") is the worldwide leader in
software, services and Internet technologies for personal and business
computing. The company offers a wide range of products and services designed to
empower people through great software -- any time, any place and on any device.

For further information please see www.microsoft.com



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