IX

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=90 BGCOLOR="#6666FF" TEXT="#080000" bgproperties="fixed" background="14400760egblyg.jpg"> <div> <FONT SIZE="5" COLOR="#330066" FACE="Times New Roman" ><B>Digital Ecosystems                               </B></FONT><FONT SIZE="2" COLOR="#CC3399" FACE="Times New Roman" > </FONT><FONT SIZE="2" COLOR="#3300FF" FACE="Times New Roman" >  </FONT><B> |     </B><A HREF="index.htm" TARGET="_top" TITLE="Digital Ecosystems "><U><B>home</B></U></A></div> <div> <A HREF="id2.htm" TARGET="_top" TITLE="PDE"><U>PDE</U></A>   |   <A HREF="id3.htm" TARGET="_top" TITLE=" I"><U> I</U></A>   |   <A HREF="id10.htm" TARGET="_top" TITLE="II "><U>II  </U></A>   |   <A HREF="id8.htm" TARGET="_top" TITLE=" III"><U> III</U></A>   |   <A HREF="id9.htm" TARGET="_top" TITLE="IV"><U>IV</U></A>   |   <A HREF="id21.htm" TARGET="_top" TITLE="V. "><U>V.  </U></A>   |   <A HREF="id4.htm" TARGET="_top" TITLE="VI "><U>VI </U></A>   |   <A HREF="id5.htm" TARGET="_top" TITLE="VII"><U>VII</U></A>   |   <A HREF="id30.htm" TARGET="_top" TITLE=" VIII"><U> VIII</U></A>   |   <B>IX</B>   |   <A HREF="id16.htm" TARGET="_top" TITLE=" X "><U> X </U></A>   |   <A HREF="id23.htm" TARGET="_top" TITLE="Seminars"><U>Seminars</U></A>   |   <A HREF="id17.htm" TARGET="_top" TITLE="XI"><U>XI</U></A>   |   <A HREF="id18.htm" TARGET="_top" TITLE=" XII"><U> XII</U></A>   |   <A HREF="id20.htm" TARGET="_top" TITLE=" XIII."><U> XIII.</U></A>   |   <A HREF="id19.htm" TARGET="_top" TITLE="Web Page"><U>Web Page</U></A>   |   <A HREF="id6.htm" TARGET="_top" TITLE="Contact me"><U>Contact me</U></A>   |   <A HREF="id32.htm" TARGET="_top" TITLE="2 Core"><U>2 Core</U></A></div> <div> </div> </td> </tr><tr> <td valign="top" width=118 BGCOLOR="#6633FF" TEXT="#080000"> <div> <U><IMG SRC="1585b640.gif" border=0 width="91" height="100" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></div> </td> <td valign="top" height=390 BGCOLOR="#6633FF" TEXT="#080000"> <div> <B>IX</B></div> <DIV ALIGN="LEFT"></DIV> <div> <B><U>Social Meaning Of The Program</U></B></div> <bR> <div> <IMG BORDER="0" SRC="Symb075c00b70168ffffff00.gif" HEIGHT="24" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">We can expect profound changes in how people work and play.  </div> <div> <IMG BORDER="0" SRC="Symb075c00b70168ffffff00.gif" HEIGHT="24" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Companies that can recognize and facilitate these social change we maintain a significant competitive advantage to financial institutes who do not move quickly to address these changes. </div> <div> <IMG BORDER="0" SRC="Symb075c00b70168ffffff00.gif" HEIGHT="24" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Studies have shown that most employees typically conduct much of their personal business over the phone during working hours. </div> <div> <IMG BORDER="0" SRC="Symb075c00b70168ffffff00.gif" HEIGHT="24" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">When telephone technology was introduced to the workers desk, a new channel of distribution was created for shopping for mortgage rates, automobile-financing rates travel arrangements, doctors and hair appointments.  </div> <div> <IMG BORDER="0" SRC="Symb075c00b70168ffffff00.gif" HEIGHT="24" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Recognizing that the digital economy/society will touch every aspect of our lives, a holistic approach to the development of corporate Intra/Internet Employee to Business portals will extend the franchise value of the corporation far beyond the four walls of the traditional brick and mortar company.</div> </td> </tr></table></body>