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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."