For the second time, TowerGroup, the leading global financial services industry research and advisory firm, has published a Research Note highlighting KAL as a leading figure in the ATM software market. Entitled 'Open Architecture ATMs: The Reasons Become Clearer', the report (#034:23R February 2003) is available to all TowerGroup members from the Internet at www.towergroup.com or by calling
+1 781 292 5200.

A second report, ''Kalignite: Enabling the Future of Intelligent Self-Service Terminals', which reviews in detail Kalignite and KAL's position in the market, is also available.

Alternatively, full reprints of both reports can be obtained upon request directly from KAL.