"While the transactions are growing, we believe there are many reasons for
this good news. Those statements include, but may
not be limited to, all statements regarding our and management's intent,
belief and expectations , such as statements concerning our future and our
operating and growth strategy. from
the University of Nebraska-Lincoln.

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* We entered new market segments such as charitable giving, consumer
credit counseling, telecommunications and insurance that we envision
as opportunities for future penetration into those markets. In 2004, 16."

About Payment Data Systems, Inc .
Jennifer Bruning Brown. "For instance, differing gender role demands and
socialization of men and women could result in distinct psychological
differences in their motivation to work and in the value they attach to
career.tickle.

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I can say with a great deal of confidence
that the remaining months of 2005 bring me great enthusiasm and excitement. Bills.com ."
Those interested in understanding more about job satisfaction and how to
maintain a healthy and happy work-life balance are invited to take Tickle's
new PhD-certified Job Satisfaction test at http://www.com.

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* We expanded debit card distribution through Secure Cash Network's
affiliate programs and with Payment Data Systems providing the
technology to power the http://www. We expect these partnerships to expand further in 2005.

Job Satisfaction Study Reveals New Englanders Least Satisfied in the Workplace Midwest and South Offer Best Work-Life Balance

Jennifer Bruning Brown
Research Psychologist at Tickle Inc.

Sites that offer alternative types of therapy, e.

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07 per share, compared to net income of $484,896, or $0. It is additionally intended to raise awareness in the public
consciousness regarding the growth and success of Payment Data Systems, Inc. Challenges only
make us stronger and opportunities make us healthier. I am looking forward to
a strong and successful year in 2005. These service offerings include: one time
and recurring ACH debits and credits, electronic lockbox and returned check
services, Web pay acceptance of credit cards and checks, telephone pay to
Customer Service Representatives for acceptance of credit cards and checks,
Interactive Voice Response systems which completely automate the payment
receiving process, and data warehousing that enable the storage and retrieval
of all payment history from one location.
210-249-4040. Women More Successful at Finding Healthy Work-Life Balance,
More Satisfied in Their Job

SAN FRANCISCO, A study conducted by Tickle Inc. These factors, as well as many others, may contribute to the gender
differences we're seeing in overall job satisfaction. Ranked as one of the top 10 most visited personal sites
by comScore Media Metrix for the period ending in January 2005, Tickle is
distinguished by a strong foundation in scientific research, a proven
commitment to member privacy, and many years of customer satisfaction. Tickle can be found at http://www.

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Throughout the year, we experienced steady and
consistent growth from month to month that suggests our products and services
bring value to the marketplace.

* We recently announced an account update function to our Customer
Service Representative web-based product designed to eliminate
unnecessary contact with recurring payment credit card customers.com site for debit
cards. Founded in 1999 as Emode, Tickle is a place where people can use
science to make deep, meaningful connections, understand themselves and
others, and manage their personal and professional relationships in a way that
is fun and enjoyable.

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Debit cards open additional doors for
us in the areas of payroll cards, per diem cards, gift cards, and many
others , all empowering us to deliver an expansive and tailored
solution set to numerous companies and organizations.com has the ability to transmit electronic
payments to thousands of national billers . When women
return to work, they are more likely to pursue part-time employment and
therefore may have better balance between their personal lives and their
careers.

Additional data available upon request.

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* We announced our partnership with Secure Cash Network for providing
the two-card Pronto Banco, which is focused on the Hispanic unbanked
community . There are clearly challenges
ahead as well as extraordinary and plentiful opportunities.,
the online leader in career assessment testing, has found workers in the
Northeast fall far below other regions in many key areas of job satisfaction.

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(OTC Bulletin Board: PYDS) today announced financial results for the year
ended December 31, 2004.D.tickle.

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The trend of increasing
card-based revenues is expected to continue in 2005.

About Tickle
Tickle Inc.

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* Credit Payment Services will soon complete its first quarter of debit
card distribution and remains on track to generate up to $1,000,000 in
revenue for us in 2005.com . All forward-looking statements made in this release
are based on information presently available to our management. Tickle
is a subsidiary of Monster Worldwide (Nasdaq: MNST) and is headquartered in
San Francisco, California .

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SAN ANTONIO, Payment Data Systems, Inc. In particular, during the latter months of
2004, we began to see a significant shift in our business as the customer
signings became larger and transaction growth began to increase among
incumbent customers.
"What we're seeing regarding gender differences in job satisfaction is
likely due to a variety of factors," says Tickle Research Psychologist Dr .

Key findings include:

Job satisfaction varies strongly by region and gender

-- 58 percent of respondents say they love what they do for a living
-- Only 43 of men in New Jersey, New York and Pennsylvania indicate the
same -- more than 13 percent off the national average
-- 63 percent of men in the South love what they do for a living,
5 percent more than the national average. Dr.

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Additional products available from PDS include services and products that
can be implemented more quickly and less expensively than the alternative of
adding multiple payments companies as these solutions offer a full range of
payment processing capabilities.

Tickle's study, conducted by the Tickle Research Group,
Tickle's in-house think-tank, also found that women maintain a healthier
work-life balance than men and are therefore more satisfied in their jobs.

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Operating loss for 2004 also improved to
$1,439,877 from $1,875,411 for 2003.

* We delivered our debit card into the consumer lending industry that
has shown significant growth potential for us through the initial
delivery of 50,000 debit cards.
We remain fully committed to our strategy of growth through both organic means
and acquisitions and continue to work hard on key things such as secured
funding to allow sustainability to profits and a rational growth projection
model that outlines our path to profitability. Investors are cautioned that all forward-
looking statements involve risks and uncertainties including, without
limitation, our ability to raise additional funding on acceptable terms,
whether our operations become profitable, whether we can adapt our security
applications to changing market conditions, if the trend of increasing numbers
of payments processed electronically continues, whether our current officers
and directors continue providing their services to the Company and such other
factors detailed from time to time in our filings with the Securities and
Exchange Commission. in Counseling
Psychology from Stanford University. Prior to this she received a J. Her extensive clinical training includes
the assessment and treatment of depression, eating disorders and relationship
issues .

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Payment Data Systems Reports 2004 Results; Revenue Up 200 Percent Year Over Year

I think we have to review the entire year of 2004 in order to
fully comprehend the many integrated factors that I consider the stimuli for
the increasing revenues. One or more of these factors have affected, and in the
future could affect, our businesses and financial results in the future and
could cause actual results to differ materially from plans and projections.

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Commenting on the increase in revenues, Michael R.4 percent per year creating a significant
market opportunity for us.

paymentdata.

g.

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Contact: Michael Long, Investor Relations, Payment Data Systems, Inc. New England falls far below
the national average in both categories, while the Midwest and South lead the
country in both areas.com .

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Net loss for 2004 was $1,514,531, or
$0.
Payment Data Systems , Inc. In
light of the significant uncertainties inherent in the forward-looking
statements included herein, the inclusion of such information should not be
regarded as a representation by us or any other person that our objectives and
plans will be achieved.D. is a leading diversified digital media company, focused on
delivering interpersonal content and services (self-discovery, matchmaking,
career and social networking) to more than 14 million active members
worldwide.

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02 per share, for
2003 , which included a net gain on discontinued operations of $2,259,195.
Payment Data is the owner of the electronic bill payment portal,
http://www.

Dr.

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, spiritual counseling (non-Christian ), intuitive counseling, holistic oriented therapy, self empowerment services.

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Long, Chairman and
Chief Executive Officer of Payment Data Systems, said, "We are pleased with
our performance for 2004 after only beginning to process credit cards in the
fourth quarter of 2003. Here are a few examples:

* We announced delivery of leading technology with highly adaptable and
flexible functionality to bring value and savings to our customers and
convenience to their consumers . Key examples are the bill payment
patent we filed last year related to debit cards; our highly
successful Customer Service Representative web-based product for one
time and recurring payment set-up and management and the account-to-
account transfer product .

* We entered into key relationships with other innovative partners such
as Network1, Kubra, and Central Bancard that have provided us the
opportunity to expand technology and services to new communities of
customers.

FORWARD-LOOKING STATEMENTS DISCLAIMER
Except for the historical information contained herein, the matters
discussed in this release include certain forward-looking statements, which
are intended to be covered by safe harbors.
Survey results show overall job happiness is strongly tied to a healthy
work-life balance and strong company leadership.

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Year over year, revenues increased 200% to $357,566
for 2004 from $119,297 for 2003.

bills.

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This two-card implementation supports international
transfers or remittances into other countries. Alternatively, women's careers are more often interrupted than men's
careers for marriage, childbirth and other family-related issues., received a Ph.

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As such, revenues for the fourth quarter of 2004 grew
144% to $168,966 from $69,201 in revenues for the preceding third quarter with
the growth in card processing leading the increase.reloadhere.4 billion
dollars were transferred to Mexico and it is expected that this figure
will grow by a historic 17.

We have also expanded our Investor Relations communications and outreach
program designed to help keep our shareholders current with company progress
and direction."
Long continued, "For the many of you that know me, you know that I am not
given to hyperbole or exaggeration. We assume no
obligation to update any forward-looking statements, except as required by
law.

Work-life balance suffers in New England, strong in Midwest, South and
among women

-- Only 50 percent of men in New England feel they maintain a healthy
work-life balance, while more than 64 percent of men in the Midwest
report the same
-- Women in the South lead the country with 3 out of 4 (75 percent)
reporting they maintain a healthy work-life balance
-- Nationally , women are 13 percent more likely to have a healthy
work-life balance

New England suffers in workplace camaraderie, leadership

-- Nationally, 73 percent of respondents indicated good camaraderie at
their workplace, however only 46 percent of New Englanders felt the
same -- 27 percent off the national average
-- Of those surveyed, approximately 1 in 2 feel they work in a company
with solid company leadership, however the number drops significantly
for men in New England with only 1 in 4 reporting the same

Men are happier than women in positions with high status and power, men
want to supervise others

-- 47 percent of men feel best when they are in a job with high social
status and power, while only 35 percent of women report the same
-- 76 percent of men versus 64 percent of women prefer to have the
responsibility of supervising others
-- 51 percent of men report making a lot of money as a high priority in
their career, while only 46 percent of women feel the same

Good company benefits and a job they enjoy are universal

-- 90 percent of respondents indicated benefits as very important to their
job satisfaction
-- 90 percent also responded it was 'absolutely critical' they enjoy their
work and that they want their job to help them grow as an individual

These results are not scientific and are based on a sample of 3,000 Tickle
users who chose to participate in this study from September 25, 2004 to
October 31, 2004 . Bruning Brown has published articles in many nationally recognized
journals and has presented on topics including psychology and the law, eating
disorders and athletic performance.

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, is an Integrated Payments Solution Provider
delivering comprehensive, cost-effective solutions to billers and retailers
for the processing and management of electronic payments via the Internet,
point of sale, or payments taken by Customer Service Representatives or an
Interactive Voice Response (IVR).
For additional information, visit http://www.