Buy it for 90 bugfrags from the bugfrag trader in the lower level of Yoka 1 in Blue. Press is required in the NaviCust for access. Buy it from a ghostnavi net-trader in Secret Area 2 in White.
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The GameFAQ's site has a section for Megaman Battle Network 3 that includes multiple walkthroughs and FAQs and some cheat codes. SuperCheats has an extensive and well-organized list of cheats for the game, as well as tips.
The area in the Hospital comp. accesible through the beach area Id say the hospital.
there is a pathway in yoka 2 on the mini pathway to the left that go into yoka 1, then leads to the bugfrag trader
From a Yurt in the Beach area. Keep battling them till you get the right code--you may need to S rank them.
I just got the Timpani chip in a chip trader at Netopia or if you're hardworking, test your luck and battle the bamboo shootering viruses at Ura Internet (undernet) 3. Hope i helped.