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                         SMART TALK
               Sponsored by Smart Valley, Inc.
               and Gemini Management Consulting

TITLE:     Security and Electronic Commerce:
           A Panel Discussion on Issues and Opportunities

PANELISTS: Jim Bidzos, CEO, RSA Data Security
           Mike Homer, VP Marketing, Netscape Communications
           Cathy Medich, Executive Director, CommerceNet
           Allan Schiffman, CTO, Terisa Systems

MODERATOR: Harry Saal, CEO and President, Smart Valley

DATE:      Thursday, September 7, 1995

TIME:      6:00 PM - 8:00 PM

LOCATION:  Holiday Inn
           Reception Room
           625 El Camino Real (corner of University Ave.)
           Palo Alto, California

The Internet presents tremendous opportunities for the deployment of
electronic commerce.  Yet for e-commerce to fully blossom, security must be
assured for Internet transactions.  Smart Valley invites you to join this
distinguished panel of technology experts to explore such issues as
encryption, authentication, payment mechanisms, communications protocols, and
the users' perspective on e- commerce security.  A planned live audio
multi-cast of this event on the Internet's M-Bone, sponsored by Graham
Technology Solutions, will allow listeners from around the world to join with
our audience in panel Q&A.

**************************************************************
All are welcome to attend this Smart Talk.  Admission is free to individual
members and all employees of Smart Valley member companies. Non-members are
charged a $5.00 fee.  Reservations are required as seating is limited.  RSVP
to Leslie Kareckas at LeslieK@svi.org or TEL: (408) 562-7747.