UNDERWRITERS CONSENT AND CERTIFICATION

     The sales of this offering will be through Regulation S-B, Form SB-2. The
Underwriter (Rockcrest Securities, LLC.) will receive ten percent commission
from the sales of this offering. This offering will only be sold by the
following:

ROCKCREST SECURITIES, LLC.
3811 TURTLE CREEK BOULEVARD, SUITE 520
DALLAS, TX. 75219

CONSENT AND CERTIFICATION BY UNDERWRITER

1. The undersigned hereby consents to being named as underwriter in an offering
   statement filed with the Securities and Exchange Commission and the following
   States; Illinois, Texas, Massachusetts, Colorado, California, Florida,
   Louisiana, Kansas, Nevada, Oklahoma, Oregon, Washington, Connecticut and the
   Georgia Securities Division by [AMERICAN CARD TECHNOLOGY, INC.] pursuant to
   Regulation S-B, in connection with a proposed offering of [COMMON STOCK] to
   the public.

2. The undersigned hereby certifies that it furnished the statements and
   information set forth in the offering statement with respect to the
   undersigned, its directors and officers or partners, that such statements and
   information are accurate, complete and fully responsive to the requirements
   of Disclosure Document and Exhibits of the Offering Statement thereto, and do
   not omit any information required to be stated therein with respect of any
   such persons, or necessary to make the statements and information therein
   with respect to any of them not misleading.

3. If Preliminary Offering Circulars are distributed, the undersigned hereby
   undertakes to keep an accurate and complete record of the name and address of
   each person furnished a Preliminary Offering Circular and, if such
   Preliminary Offering Circular is inaccurate or inadequate in any material
   respect, to furnish a revised Preliminary Offering Circular or a Final
   Offering Circular to all persons to whom the securities are to be sold at
   least 48 hours prior to the mailing of any confirmation of sale to such
   persons, or to send such a circular to such persons under circumstances that
   it would normally be received by them 48 hours prior to their receipt of
   confirmation of the sale.

        ROCKCREST SECURITIES, LLC.
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        (Underwriter)

By:     /s/ James S. Harris                  Date:  02/05/99
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        President

(d) All written consents shall be dated and signed manually.

IN WITNESS WHEREOF I have hereunto set my hand and official seal

                                             /s/ Donald P. Kunz
                                        ---------------------------------------
                                        Notary Public
   (Notary Seal)
                                        My Commission Expires:   02/10/02
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