The credit card market environment is clearly set for major U.S. and International credit cards to migrate to highly-secure and fraud-resistant smart chip credit cards in the 2003-2005 timeframe. By establishing itself as a leading high - security ID Smart Card vendor and by strategically partnering with key chip, biometric, middleware/software vendors and major credit card issuers, CardXX will be positioned to win a substantial market share of the 500+M financial Smart Card market forecast for 2005.