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Madison Dearborn Partners (MDP), headquartered in Chicago, Illinois, is a leading private equity investment firm with more than $7 billion of capital under management. MDP focuses on management buyouts and growth equity transactions involving rapidly growing companies. MDP has significant investment experience in several specific industries, including telecommunications, basic industries, consumer/e-commerce, health care, and financial services. For more information visit

Nokia Ventures L.P. is a US $100 million venture capital fund formed in 1998 to invest in early stage, high-growth companies in the areas of e-commerce, information technology and communications. Nokia Corporation has invested in the fund with the express intent to gain exposure to new markets, business models and technologies beyond the reach of Nokia's current business unit strategies. Nokia Ventures seeks partnerships with leading-edge companies attacking high-growth market opportunities that will benefit from the combined resources, experience and contacts of the Nokia Ventures team and from the association with a world-class brand. For more information visit

Sequoia Capital, founded in 1972, is a premier venture capital firm with portfolio companies that now have a combined market value approaching half of a trillion dollars. Sequoia Capital's Internet portfolio includes PayPal, eToys, NextCard, eGroups, PlanetRx, Chipshot, E-Loan, LinkExchange (acquired by Microsoft), AtWeb (acquired by Netscape), and Global Center (acquired by Frontier). For more information visit the Sequoia Capital website at

San Francisco-based Providian Financial is a leading provider of lending and deposit products to customers throughout the U.S. and the UK and offers credit cards in Argentina. Providian has adapted its proven customer-focused business model for the Internet, and today offers retail deposit products at the corporate Web site, a financial services marketplace at, and credit cards at The company has more than $31 billion in assets under management and over 16 million customers. For more information visit

Goldman Sachs is a leading global investment banking and securities firm, providing a full range of investing, advisory and financing services worldwide to a substantial and diversified client base, which includes corporations, financial institutions, governments and high net worth individuals. Founded in 1869, it is one of the oldest and largest investment banking firms. The Firm is headquartered in New York and maintains offices in London, Frankfurt, Tokyo, Hong Kong and other major financial centers around the world. For more information visit

ING Group is a global financial institution which is active in the field of banking, insurance and asset management in more than 65 countries, with nearly 100,000 employees. Based in the Netherlands, ING provides a full range of integrated financial services to personal, corporate and institutional clients through a variety of distribution channels, giving them the freedom to choose the option which best suits their individual needs. For more information visit

LabMorgan identifies, implements, and invests in e-finance ideas that shape the future of financial services. The unit combines the capabilities of a classic incubator and early-stage merchant bank with the premier brand, financial markets prowess, content, and client reach of J.P. Morgan. LabMorgan provides a high-speed development environment for entrepreneurs with innovative e-finance ideas and is a hub of technological innovation within the firm. LabMorgan is a unit of J.P. Morgan & Co. Incorporated. For more information visit

QUALCOMM Incorporated is a leader in developing and delivering innovative digital wireless communications products and services based on the Company's CDMA digital technology. The Company's major businesses include integrated CDMA chipsets and system software; technology licensing; and satellite-based systems including OmniTRACS® and portions of the Globalstar™ system. Headquartered in San Diego, Calif., QUALCOMM is included in the S&P 500 Index and is a 1999 FORTUNE 500® company traded on the NASDAQ under the ticker symbol QCOM. For more information visit

Deutsche Banc Alex Brown has a long term commitment to the entrepreneurs and venture capitalists of the Silicon Valley. As part of its Equity business development, DBAB offers private equity investment to its clients and partners. The nature of DBAB's investment in PayPal began when Confinity/PayPal launched and sought angel investment capital. DBAB was able to commit seed level capital through an investment relationship with several members of the Stanford University Computer Science community. For more information visit

Bankinter is one of the four largest publicly owned banks in Spain, and one of the most technologically advanced banks in Europe. Bankinter offers a variety of consumer and business banking services through its 275 branches, as well as through agents, telephone services, and the Internet. Bankinter provides mutual and pension funds, leasing, and securities brokerage and dealer services, and it pioneered Internet stock trading in Spain. The bank's American Depository Shares (ADRs) are traded over-the-counter in the United States. For more information, visit

Sonera is an international forerunner in mobile communications and mobile-based services and applications. By combining its expertise in mobile communications, the internet and service provision, Sonera aims to develop into a global communications operator and provider of transaction and content services. The company also provides advanced data communications solutions to businesses, and fixed network voice services in Finland and its nearby areas. For more information visit

eBank is a Japan-based internet bank focusing on small payments. eBank enables people to securely send and request money via e-mail through PCs, mobile phones, digital TV, and even electronic appliances in the near future. eBank will immediately open its operations focusing on payments via PC and mobile units, and later plans to provide a real-time settlement system using a 3G platform in the mobile arena. eBank is a joint venture formed by several leading Japanese companies, including Sumitomo, Itochu, and Dentsu. For more information visit

Crédit Agricole is a key player in French retail banking, serving 16 million customers through its vast network of nearly 8,000 branches and decentralized organization. In addition to basic banking services, Crédit Agricole offers its customers a wide range of financial services and insurance products designed by its specialized subsidiaries. Crédit Agricole is also cooperating with, and acquiring equity interests in, retail banks outside France that are well established in their home markets. In this way, Crédit Agricole is pursuing its efforts to become a universal banking group of truly European scope. In 1999, Crédit Agricole was France's largest bank in terms of stockholders' equity. For more information visit

idealap Capital Partners

idealab Capital Partners (ICP) is an independent venture capital firm with $450 million under management and offices in Pasadena and Palo Alto. Focused on software and communications investments, ICP looks for opportunities to change the technology landscape by creating leading companies in high-growth emerging segments. For more information visit the ICP website at

The Development Bank of Singapore ("DBS") is the largest banking group in Southeast Asia, and is ranked among the top 100 banks in the world. Through the efforts of more than 10,000 employees, DBS provides comprehensive banking services to more than 5 million customers in the Asia-Pacific region, working to meet the unique needs of individuals and growing enterprises. DBS's regional network has grown to include 1,424 locations in 12 countries. At every DBS location, the emphasis is quality, value-added and innovative service at an affordable cost. For more information visit

Singapore Telecom is a world class provider of domestic, international and mobile telecommunications as well as postal services. Listed on the Singapore Exchange since November 1993, SingTel is Singapore's largest company in terms of market capitalization. The SingTel Group has investments worth a total of about S$7 billion (at a cost of S$3.1 billion) in 69 joint ventures and strategic investments in 20 countries including Thailand, the Philippines, Indonesia, China, Japan and Belgium. It is part of the New Century InfoComm consortium which has won a Consolidated Network Business licence to operate a fixed line network in Taiwan. For more information on SingTel see

Robertson Stephens is a leading full-service investment bank focused exclusively on growth companies. The firm provides a comprehensive set of investment banking products and services, including equity underwriting, sales & trading, research, M&A advisory, convertible securities, private capital, equity derivatives, and corporate and executive services. Robertson Stephens, Inc. is a member of the NASD and all major exchanges. Robertson Stephens has more than 1,400 employees worldwide with offices in San Francisco, Boston, New York, Palo Alto, Chicago, Atlanta, London, Munich and Tel Aviv. For more information visit

Temasek Holdings is Singapore's leading institutional investor. The Temasek group of companies are involved in a wide range of industries, including communications, media, transport & logistics, high-tech, manufacturing, financial services, engineering and property. The listed Temasek companies account for about 27% of the total capitalisation on the Singapore stock exchange. The total assets of the group are in excess of US$42 billion. Temasek is an active investor in venture capital, and has invested in top-tier VC funds, as well as high-tech startups on a global basis. Temasek continues to seek promising investments where it can add value and create synergies with its portfolio companies. For more information visit

Vertex Management is a global venture capital firm with over US $600 million under management. Vertex is headquartered in Singapore with offices in the United States, London, Taiwan, Beijing and Israel. Vertex's focus is on investments in private, high technology companies from seed to mezzanine stages of financing in internet, e-commerce, communications, semiconductor and life sciences. For more information visit

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