and Richmond through 152 offices
in Maryland, Virginia and southern York County, Pa. Metavante Corporation is
redefining banking and payments to financial services firms and businesses
worldwide.

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Provident Bank also taps Metavante for consumer bill pay and Internet
banking; financial account processing; customer relationship management
(CRM) tools including the NuEdge marketing automation suite; and numerous
electronic funds transfer and card products and services including:
automated clearing house (ACH), ATM driving, credit and debit card
processing, prepaid cards and merchant processing .

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7 billion financial services company.

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It serves individuals and businesses in the key
urban areas of Baltimore, Washington, D. Through
Metavante, NYCE provides ATM driving and fully automated monitoring
services, gateway services, on and off-line signature debit card
processing, and card authorization solutions. "By
enabling processing for both Domestic China Debit Cards as well as
International Credit and Debit Cards, we are carving out a very wide business
area for ourselves and our partners . Our discussions with our partners
including SCRC Telecom and two of the largest 'Big Five' Chinese banks are
going well and we hope to see the fruit of the Phase II APAYcard development
in the near future.
With APAYcard now deployed and in use in Japan, Asia Pay is in the process
of identifying additional merchants in Japan to either convert to transaction
processing via Asia Pay or to provide processing for new Japan retail merchant
locations.:
http://www.

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Asia Pay is developing a
credit card processing network that provides clearing services to merchants,
oil companies, and financial Institutions in China and in related markets
elsewhere in Asia. For more information,
visit http://www.

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"Bringing existing
Metavante clients like Provident Bank and WSFS Bank into the NYCE Network
extends our cross-selling success and is an example of how financial
institutions are demonstrating confidence in the efficiencies and value
delivered by the combined payments strengths and solutions of Metavante and
NYCE."

The Provident Bank agreement adds 260,000 cardholders and over 240 ATMs to
the NYCE Network.com.S.com

This release was issued through eReleases (TM).

merchant ecom

Combined, the financial institutions bring 350,000
cardholders and more than 240 ATMs to NYCE , a Metavante Corporation
affiliate and leading U. Metavante is the
financial technology subsidiary of Marshall & Ilsley Corporation (NYSE: MI).
Provident Bank also offers related financial services through wholly owned
subsidiaries. We believe APAYcard is unique and a clear winner for Chinese and
Japanese high-end merchants and their respective acquiring banks," said Mecke.

recurrent accesses

PRESS RELEASE Provident Bank and WSFS Bank Join NYCE

About Provident Bankshares Corporation

Provident Bankshares Corporation is the holding company for Provident Bank,
the second largest independent commercial bank headquartered in Maryland. Metavante products and services drive account processing for
deposit , loan and trust systems, image-based and conventional check
processing, electronic funds transfer , consumer health care payments, and
electronic presentment and payment.

About Asia Payment Systems, Inc.

recurrent payment

In addition, Provident Bank signed a long-term financial
account processing contract with Metavante, which will continue as its
financial technology service provider. and Canadian
consumers . NYCE Corporation
(www."
Asia Payment Systems announced that the system development for Phase I of
Asia Pay's proprietary APAYcard platform is now complete and installed in
Japan, and the development for Phase II of APAYcard for use in China is well
underway and expected to be completed Q1 of 2005. Processing through APAYcard is extremely fast, very secure, and fully
featured.ereleases .

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Other
continuing operating subsidiaries include: WSFS Investment Group, Inc.

About NYCE

At the forefront of electronic payments in the United States, NYCE
Corporation, a Metavante company, provides consumers with secure, real-time
account access, 100 million times each month.

Headquartered in Milwaukee, Metavante
(www.

This category is for listings that are directly related to payment systems (like accepting credit cards) that are conducted entirly on the Internet.

transaction micropayments

NYCE Corporation today announced Mid-Atlantic
based financial institutions Provident Bank and WSFS Bank are new members
of the NYCE Network.,
Montchanin Capital Management, Inc.nyce. (OTC Bulletin Board: APYM) there are 715+ million China
Pin-based Debit Cards in China with an additional up to 60 million new Pin
Debit Cards being issued every year. Once the APAYcard Pin Debit
customization is complete , Asia Pay will be able to process all International
Credit Cards as well as the 715+ million Domestic China Pin Debit Cards for
merchants across China.
The APAYcard platform is being built to include capability to process
China Domestic Pin Debit transactions, which comprise the majority of card
transactions in China today.
Matt Mecke
President + CEO
Tel: +1 -866-877-APAY
Fax: +1-206-470-1150
ir@asia-pay.

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iveri xact

With $6. In China, APAYcard is now being customized to
provide China-specific processing for multiple merchant projects which are now
underway, including the recently announced Railway Ticket Counter pilot
project with SCRC Telecom ("China Railcom").
"Asia Payments' IP-based solution allows retailers to be independent of
financial organizations and able to go to market for card-processing discount
rates, and thereby reduce their cost of doing business and add to the bottom
line. Systems, hardware, and personnel are now
in place to enable Asia Pay to commence delivering service to clients.

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4 billion in assets, Provident serves individuals and businesses in
the key urban areas of Baltimore, Washington and Richmond through a network
of 152 offices in Maryland, Virginia, and southern York County, PA.J.

Contacts:
Asia Payment Systems, Inc.

payment transact

4 billion in assets,
Provident Bank is the second largest independent commercial bank
headquartered in Maryland.

Asia Payments Systems Inc. Customized for Debit + Credit Cards in China

com

Asia Pay is a Nevada-incorporated company with offices in Seattle, WA,
Beijing and Shenzhen in China, and in Hong Kong.
Asia Pay's mission is to be a national provider of world-class third-party
processing services in China to bankcard-accepting merchants , issuers of bank
credit cards, issuers of petroleum station retail cards, and issuers of
merchandise and other retail cards.

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Adding 94,000 cardholders to NYCE, WSFS Bank, the $2. Securities brokerage , investment management and related
insurance services are available through Provident Investment Center and
leases through Court Square Leasing and Provident Lease Corp. As
of June 30, 2005, its principal subsidiary, Wilmington Savings Fund
Society, FSB, operated 24 retail banking offices in all three counties in
Delaware, as well as Chester and Delaware Counties in Pennsylvania.asia -pay.

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"Financial institutions looking to build a more successful payments program
need more from an EFT network partner than just the network," said Steve
Rathgaber, NYCE president and chief operating officer. With $6.

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com.

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7 billion asset
subsidiary of WSFS Financial Corporation (NASDAQ: WSFS), has retail banking
offices in all three counties in Delaware, as well as offices in
southeastern Pennsylvania.
The APAYcard processing system is based on Asia Pay's middleware that
provides seamless connectivity to banks in China via taking XML messaging from
the retail POS system and routing over IP to banks.

bankcard bdb

net) is headquartered in Secaucus, N.comMI). SEATTLE and HONG KONG, According to Asia
Payment Systems, Inc. In
addition, the company is continuing to identify sources of additional
financing to permit the startup of nationwide operations in the China market.

2checkout payment

S.metavante.

micropayments 2checkout

Metavante products used at WSFS include financial account processing;
consumer and business Internet banking; debit card processing; consumer
bill pay processing; and CRM tools , including the marketing automation
products and solutions of NuEdge Systems, which is organized within the
Metavante CRM offering. For more
information, please visit the Bank's website at www .

accesses payments

Visit
Provident on the web at http://www.com

About WSFS

WSFS Financial Corporation is a $2. and WSFS Reit, Inc.wsfsbank. The NYCE Network provides
2,200 financial institutions, retailers and independent ATM deployers with
shared network services for ATMs, point-of-sale (POS), account -to-account
transfers and direct bill payment for millions of U.
"The China APAYcard development is going well and we hope to be able to
provide processing services in Q1 of 2005 to our rapidly growing prospective
client roster," said Matt Mecke, President + CEO of Asia Payments.

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debit card payments network.provbank. Beyond providing personal identification number (PIN) debit
account access at ATMs and retailer POS terminals, NYCE continues to lead
the development of electronic payment services to enhance consumer
convenience and expand service offerings by network participants.