2000 charge - Why you need Alternative Payments on your website

Alternative Payment SolutionsBusiness Case 2013

http://www.2000charge.com

Solutions2000Charge has provided web-based merchants with alternative payment solutions and traditional payment card processing for more than a decade. We are the primary payment provider for tens of thousands of websites worldwide. Our payment services are developed in-house and provide a simple and easy to use solution for online merchants to accept payments worldwide in a variety of methods.

AlternativesAlternative solutions means those payment methods that are an alternative to credit and debit card payments, which provides merchants with additional options to accept payments online from consumers that do not have or wish to use payment cards. Bank driven payment methods, such as Automated Clearing House (ACH), EuroDebit or DirectPay are popular alternative payment examples.

Traditional2000Charge also provides merchants with payment processing solutions to accept charge cards, such as JCB,

American Express and Discover, and we provide traditional Visa and MasterCard credit and debit card processing for merchants that have their own merchant account.

Shop Globally, Pay LocallyOur solutions are designed to address a global market place, regardless of where the merchant may be located, but offers consumers worldwide with a variety of local payment options that they are familiar with.

GatewayOur certified gateway connects to all major bank gateways worldwide, which allows us to process payments in a variety of currencies and methods. The combination of alternative payments and traditional credit card processing through one single gateway provides merchants with a simplified process and a total solution for all their transactions worldwide.

Safe and Secure2000Charge is fully compliant and a PCI level 1 certified processor. To mitigate risk, we employ the latest

fraud scrubbing technologies and perform various functions for our merchants, such as IP and address verification, velocity and negative database checks. Some of our services completely eliminate the risk of charge backs and guarantees merchants their funds.

One Button, All Payment OptionsOur simple but extremely effective one-button approach guarantees success for our merchants because it makes the payment process at checkout for consumers uncomplicated and effortless.

AdvantagesEach service we develop has its own unique features, but all of our solutions offer compatibility with existing payment platforms, multi-language and currency support, enhanced security and unlimited customer support. Each merchant has access to an array of reporting and admin functionalities to manage all their payments from anywhere in the world. We do not use or sell third party provider services, we are the provider.

©2013 - 2000Charge, Inc. All Rights Reserved. Page 2

2000Charge delivers a complete spectrum of alternative and traditionalpayment solutions to maximize your sales and minimize your risk.

Business Case

http://www.2000charge.com

The Internet TodayCurrently North America has the largest Internet penetration rate per population (77.4%) versus Europe (58.4%). However, Europe has over 800 million people versus 340 million people in North America, thus the growth potential for new users in Europe is significant. This is further demonstrated by the 352% increase in user growth in Europe from 2000 to 2010 versus 146% user growth in North America, which clearly shows that the European market is a growing and important target for all online merchants.

Growth AreasEurope has almost one quarter of the online market with over 475 million users, however Asia has the largest segment with more than 825 million Internet users, which makes up 42% of the users worldwide. Asia only has a 21.5% Internet penetration rate, but with the largest number of users, Internet user growth from 2000 to 2012 was still a remarkable 621.8%. This number will continue to grow spurred on by the infrastructure expansion in the telecommunications

sector and the increased number of competitive landscapes that lowers the cost of access to the Internet for all Asian users.

Both Asia and Europe each individually have a larger share of users than North America and a combined market of over 1.3 billion Internet users, which represents 66.2% of the online market place.

The Latin American and Caribbean market segments have a combined 34.5% Internet usage penetration, but

had the third largest percentage growth of users (1,032%) from 2000 to 2012.

The European, Latin American and Asian markets represent a major opportunity and web-based merchants, located in the USA or anywhere in world, must tap into these new and burgeoning segments. Given that the majority of these Internet users do not have or or use credit cards, it is imperative that merchants offer alternative payment solutions to complement their time and efforts.

©2013 - 2000Charge, Inc. All Rights Reserved. Business Case - Page 3

Numbers don’t lie!

Asia

Europe

North America

Latin America/Caribbean

Africa

Middle East

Oceania/Australia

225 450 675 900

21.3

63.2

110.9

204.7

266.2

475.1

825.1

Internet Users in the World - 2012

North America

Europe

World Average

Rest of the World

Asia 21.5%

24.9%

28.7%

58.4%

77.4%

Internet Penetration Per Population - 2012

Millions of Users

North America13.5%

Rest of the World86.5%

Internet Users - 2012

The Great DivideCredit cards are the most popular method of payment in the United States. However, this is not the case in the rest of the world and alternative payment solutions have established themselves in a variety of ways to further monetize a merchants’ website. From local postal derived payment systems to sophisticated bank programs, most countries have their own domestic online payment and clearing system that consumers are using daily to make online payments.

Cultural differences also fosters different payment habits. In Germany for example, with over 65 million internet users and a 61.2% penetration, only 32% of the consumers use credit cards to make purchases online versus 61% that use a direct debit bank driven payment method.

Differing perceptions on credit cards can also be seen in online shopping habits. While credit cards today are the main tool used in the United States for online shopping, the British and French prefer debit cards, while Germans rely primarily on online bank transfers, according to Forrester Research.

While perceptions about money and credit may cause some cultures to spend differently, economic realities also play a key role. Some countries just haven't had the access to credit, nor a sizable middle class to fuel its use and as such non-credit card payment schemes have flourished.

Motive Millions of online shoppers abandon their shopping cart everyday. Trust and unfamiliarity with the merchant play an

important role, but are not the only reasons; what if you can’t read the payment page and you don’t know how much you’re paying because the amount displayed is not in your local currency? Furthermore, what if your preferred and trusted payment method is not offered? Not everybody has a credit card, so payment processors in numerous countries have recognized the need to offer domestic payment solutions to their consumers and have developed alternative solutions to satisfy the demand.

In other cases, security and local requirements combined with the advancement of technology are the driver to implement alternative payment methods. For example, all debit cards issued in China, Japan, Korea and many other Asian Pacific countries do not work on the traditional credit card networks. To enhance security the local banks require a 4 or 6-digit PIN before authorization can be provided. In other words, they can’t use their debit cards to make online purchases at websites that do not have the solution. As with several of the alternative payment solutions we offer, the PIN requirement is a huge benefit to the merchant, as it eliminates the charge back risk and guarantees the payment, which is extremely comforting to merchants that ship high ticket items or for those who wish to attract clients from all over the world without running a risk.


It is important for merchants to understand that credit cards are not the primary payment method in the world.

Why Use Alternatives?

A study by CyberSource Corp. found that websites

providing four or more payment methods

other than credit cards had a sales conversion rate 12 percent higher

than those offering just one online payment option in addition to

credit cards.

In other words, the more online payment options you offer, the more online payment

processing you'll do on your site and the more

money you'll make!

“Of the 64% of online Europeans that do own a credit card, more than half will not use their card to buy online!” (Forrester Research)

Our MarketOur customers are online merchants from all geographic locations in all categories and sizes. The merchant underwriting process for alternative solutions is different from typical credit card merchant accounts, because the risks associated with many alternative solutions is minimized due to the lack of chargebacks and payment reversal options for consumers.

Our focus has also been on consumers and although they are not our direct customers, they are the actual users of our systems and as such we consider them part of our target market. Consumers from all over the world are familiar with our products and services as they are provided domestically by their trusted service providers.

How We MarketA three tier approach has been employed to cover all possible marketing channels; we market directly to merchants; we use independent sales organizations; and we incorporate our solutions into the offering of other payment providers.

CompetitivenessOur services are straight forward and our fees are competitive and are similar to payment card transactions, and we don’t believe in charging our clients upfront fees.

ServiceWe are a dedicated team of people that understand the business and we have proven this to our customers for more than decade. We strive to get our merchants up and running in 48 hours or less and we provide customer support 24/7 to our merchants and their clients. More Options, Means More SalesThe success of your online business depends on sales. Offering alternative payment methods improves consumer confidence, but the primary reason why you should look at alternative solutions to credit cards is simple; you can increase your sales and revenues by simply adding these options to your existing platform.

In the United States, alternative payment solutions, such as ACH, are complementing the check-out pages of merchants that offer traditional credit card payment methods. Alternative payments are not replacing credit cards, they merely add more options for consumers to select from.

Languages Improves SalesAs part of our service offering, all of our payment pages are automatically displayed in the language of the user. We use a GEO-IP feature that detects where the enduser is located based on their IP, and every step of the payment process is then displayed in their native language and backed by local customer support phone numbers.

Comprehensive and SupportiveThe word solutions is used in conjunction with alternative payments, as they provide a complete set of features, options and services that often go far beyond facilitating a single payment. Fraud scrubbing tools and a variety of address, IP and account verification services are included, foreign currencies are automatically posted at the appropriate exchange rates and pages are shown in local languages with local phone and email contact information. Alternative solutions also include extensive reporting and fraud management tools, while retaining simplified set-up and management.


“Austin Morgan, a 24-year-old American teaching in Japan, who blogs about how financial practices differ around the world at foreignersfinances.com, says, "Living abroad has reminded me that credit cards aren't as popular everywhere as they seem to be in America," he says. “I rarely see credit cards used here.”

More Options, Means More SalesWhy would you decrease your sales potential by limiting the ways potential customers can pay for your products or services online?


Alternative Products®

Bank Transfer PaymentsDirectPay EUDirectPay EU is connected directly to 36 European online bill payment systems and guarantees funds within days. Merchants can process bank payments with no chargeback risks from most European countries, including those countries previously black-listed due to high-risk.

GiroPayGiropay represents Germany’s primary online payment method for bank clients. With each giropay purchase, the funds are instantly debited from the consumer’s bank account and the merchant is guaranteed to receive the funds.

EPSThe EPS online transfer system is a secure payment method that is offered by the Austrian banks. It allows account holders to easily and quickly pay for purchases using their own trusted online banking service.

POLiWith POLi, Australian and New Zealand consumers use their bank funds to pay for online purchases rather than relying on a credit card. POLi payments are instantly debited from their bank account. Przelewy24Przelewy24 is a Polish service that facilitates the transfer of funds for payments between customers and sellers. A variety of payment options can be used to load their account, including bank transfers from 30 domestic banks, credit cards, SMS, mobile payment, eWallet and cash payment.

Charge CardsAmerican Express,Discover, UnionPay,BC Card, JCB, Diners Club and PulseAccept AmEx, Discover, UnionPay, BC card, JCB, Diners Club and Pulse charge cards on your website, including PIN-based, PIN-less and signature-based ATM cards.

Prepaid CardsPaysafecardPaysafecard is a prepaid card or voucher that is sold at over 20,000 shops in the U.K. and 230,000 outlets in 16 European countries and guarantees payment to merchants.

Our Automated Clearing House (ACH) platform provides merchants with an electronic online check acceptance and verification service that processes online payments directly from United States and Canadian bank accounts.

EuroDebit is the fastest growing form of payment in Europe and gives direct access to over 500 million European online consumers. The funds are directly withdrawn from the customer's bank account in real-time.

DirectPay US allows consumers to makes payments directly to the merchant from their own checking or savings account. DirectPay US allows online businesses to process without the risk of costly chargebacks and is ideal for high-ticket online products and services.

iDEAL is a direct payment method developed by the Dutch banks to make it easier for their customers to pay online for products and services. iDEAL allows online payments to be made using online banking through the consumer’s own bank.

iDEAL

PagosBancarios

DirectPay US

Teleingreso is a bank transfer solution that allows consumers to make payments via more than 3,000 ATM machines, 2,000 post offices and 300 retail outlets throughout Spain.

Debit SolutionsEuroDebit (SEPA)

ACH USA/Canada

PB

Teleingreso

YellowPayYellowPay is a reversal free payment method that was developed by the Swiss Post to make it easier for their 8 million customers to pay online for products and services.

PagosBancarios gives you direct access to millions of Brazilian consumers that desire to pay directly via their own bank account with a Boleto voucher with no risk of chargebacks.

DirectPay

eWalletQIWIQIWI is Russia’s most popular and convenient online pay-ment method and with more than 143 million Russian con-sumers, QIWI is guaranteed to convert more sales!

TelePay was developed specifically for the Mexican market togive consumers the ability to pay with cash for onlinepurchases. Merchants that target the Mexican market willgreatly benefit and increase their sales opportunity, as Mexicois ranked as the second largest South American eCommercemarket with more than 40 million online users.

TelePay

Vouchers

Bank Transfer Payments

Debit SolutionsPayment OptionPayment Option Currency Instant CB Recurring Countries Market Size (est.)

EuroDebit EUR Yes Yes Yes DE, AT, NL 110 Million

EuroDebit (SEPA) EUR Yes Yes Yes ** 500 Million

ACH USA USD Yes Yes Yes US 315 Million

ACH CAN CAD Yes Yes Yes CA 35 Million

Bank Transfer PaymentsPayment OptionPayment Option Currency Instant CB Recurring Countries Market Size (est.)

iDEAL EUR Yes No No NL 15 Million

giropay EUR Yes No No DE 15 Million

DirectPay EU EUR No No No *** 600 Million

DirectPay US USD No No No US 200 Million

YellowPay CHF Yes No No CH 8 Million

EPS EUR Yes No No AT 6 Million

PagosBancarios* BRL No No No BR 150 Million

Przelewy24 PLN Yes No No PL 35 Million

TeleIngreso EUR No No No ES 45 Million

POLi AUD/NZD Yes No No AU, NZ 15 Million

Charge CardsPayment OptionPayment Option Currency Instant CB Recurring Countries Market Size (est.)

Discover Card USD Yes Yes Yes Global 50 MIllion

Pulse USD Yes Yes Yes Global 50 MIllion

Diners Club USD Yes Yes Yes Global 50 MIllion

JCB USD Yes Yes Yes Global (Japan) 64 MIllion

BC Card USD Yes Yes Yes Global (South Korea) 50 MIllion

UnionPay USD Yes Yes Yes Global (China) 50 MIllion

American Express* USD Yes Yes Yes Global 45 Million

eWalletPayment OptionPayment Option Currency Instant CB Recurring Countries Market Size (est.)

QIWI* RUB Yes No No RU 143 Million

PrepaidPayment OptionPayment Option Currency Instant CB Recurring Countries Market Size (est.)

Paysafecard* GBP Yes No No **** 63 Million

TelePay PESO Yes No No Mex 40 Million

* No High Risk

** EuroDebit (SEPA): Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, and United King-dom

*** DirectPay EU: Andorra, Austria, Belgium, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Macedonia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, and United Kingdom.

**** Paysafecard: Argentina, Austria, Belgium, Bulgaria, Canada, Croatia, Cypress, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Luxembourg, Malta, Mexico, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, and United Kingdom.


ProductFeatures

Our solutions help merchants overcome language and currency barriers and provides consumers globally with payment methods they trust and are familiar with. We have an extensive worldwide banking network that translates into the ability to offer our merchants access to local payment systems in over 180 countries around the world through one single payment gateway.

We make it simple for our merchants and their customers. Our Geo-IP technology automatically detects the location of the customer and provides the payment page in the appropriate language and displays the amount in their local currency together with local and international payment options.

• Options for customers without credit cards or for those who prefer not to use credit cards.

• Payments options for customers to pay directly from their bank account.

• Automatic currency exchange - display local currency, receive funds in dollars.

• Options to reduce risks and completely eliminate charge backs.

• Generate sales from credit card blocked countries with guaranteed funds.

• No risk and guaranteed payment options for higher ticket items.

Not only do we provide support to our merchants from the initial inquiry through the going-live process, we also take care of their customers by providing local support. For added trust and convenience each payment page displays a local phone number and email address.


Alternative Product Advantages

• More options means more sales • Comprehensive reporting

• Broadens the merchant’s reach • Full set of user management tools

• Conveniences customers • Compatible with all shopping carts

• Reduces risk and fraud • Automatic re-billing options

• Proven services • Membership and affiliate management

• Easy to implement and use • Level 1 PCI Compliant

• One processing connection • Custom development options


One ContractOne SetupOne Stop

One Button - All Options

✓ One ClickOur philosophy is simple but effective - just like the Visa/MasterCard button on a merchant’s website that accepts all types of credit and debit cards from all over the world; our Alternative Button accepts all types of bank payments from all over the world in one-click.

✓ Simple SetupNo worries. One line of code is all that is needed to get merchants going. No hour-long technical exercises or reading 50-page user manuals. One contract, One setup, One Solution, and One button. That’s all they need!

✓ Global Solution In many countries credit cards are not the common method of payment and merchants can easily expand their market globally by accepting domestic payments from all continents through One Single Button.

✓ New Options are added automaticallyIn the dynamic Internet arena, payment methods are continuously evolving and with 2000Charge your merchant will receive the benefit of always having the latest payment options at the touch of a button.

✓ One Complete PackageNothing is missing. All payment solutions include customer support, currency exchange, fraud prevention tools and technical support. Furthermore, all merchants will receive access to personalized admin pages with real-time reporting to manage their payments.

Our Smart Button completes the buying process in a simple and intuitive format.

Our Smart Button detects where the consumer is located via our GEO-IP technology and automatically displays their language, flag and currency symbol.

The smart button detects where the

consumer is located.



Automatically the button is in their own language.



Instantly their national flag is

displayed.

And their local currency symbol is

shown.

ONECLICK

PB

IBAN

DirectPay

®

With 1-click a window opens up that displays all their local payment options that they instantly recognize, trust and are familiar with.

The consumer then selects their preferred payment method and completes the transaction in their own language and currency.

Our premise has always been to keep things simple, but extremely effective!

With us...

• You get the authentic service. We don’t resell third party services as ours.

• You don’t need to establish a merchant account. Our alternative solutions are ready to go.

• You don’t need to buy software or rework your strategy. It all fits with what you have today.

• You get an easy to integrate payment solution. We’ll help you with each step.

• You can get up and running in 48 hours or less, provided that you give us all your information.

• You get all the features you will ever need. All included.

• You can get custom development. We’ll think out of the box with you.

• You don’t have to pay any set-up fees. We only make money when you make money.

• You don’t need thousands of transactions to be approved. We respects all merchants, no matter what size.

• You get an Award-Winning service that will generate more sales. That’s why we got the award.

• You get proven technology that works and is installed on thousands of websites.

• You don’t have to worry about currency exchange. You get the price you quote in USD, no matter where you sell.

• You don’t have to translate payment pages, manage currencies or provide local customer support. We do it all.

• You get the latest fraud scrubbing technologies and access to our extensive negative database. Reduces risk.

• Your customers will be happy to find their trusted local payment method. You will be happy too.

• You won’t be left hanging. If needed, we have an in-house collection service with a 50% success rate.


How do wecompare?

®


Business Partners

Buypass First American Check Nova Cardsystems (UK)

DirectDebit (Austria) Global Pago (Germany) Universal

DirectDebit (Germany) Global Collect Paytech Salem Visa Cal (Israel)

FDMS Nashville Interpay (NL) Paytech Tampa Visanet

FDMS Omaha Korean Samsung SelectPayment Wirecard (Germany)

Integration Partners

Supported Card Networks

Supported Processing Networks

®

Banking Partners

USAAmSouth, Bank of America, California Bank & Trust, Wachovia, HSBC, Washington Mutual, Citibank, NatWest, FirstMerit, Wells Fargo, Chase, Union Bank of California and Chevy Chase Bank.

ANDORRABanc-agricol/Andbanc, Credit Andorra and BIBM.

AUSTRIARaiffeisen Bank, Sparkasse/Erste Bank, Bank Burgenland, Bank Austria Creditanstalt, Sparkasse-Oberoesterreich, Volksbank, Bawag, Schoellerbank and PSK Bank.

BELGIUMAmSouth, Citibank, KBC Bank, SG Bank De Maertelaere, Argenta Bank, ABN-AMRO Bank, Key Trade Bank, ING Bank, Fortis Bank, Bank van De Post, Dexia Bank, Axa Banque, BKCP Online, CBC Bank and Centea Banque.

CROATIACroatian National Bank, Zagrebacka Banka and Privredna Banka Zagreb.

CYPRUSArab Bank, Central Bank of Cyprus, Bank of Cyprus and Hellenic Bank Ltd.

CZECH REPUBLICABN-AMRO Bank, Czech National Bank, Komereni Banka, Ceská Exportní Banka, Expandia Banka and Konsolidacni Banka.

DENMARKBasisBank, Insinger De Beaufort, Nordea Bank, ABN-AMRO Bank, Skjern Bank, Skandia Banken, Daske Bank, Fionia Bank and Oestjysk Bank.

ESTONIAEesti Krediidipank, Eesti Ûhispank, Eesti Pank and Sampo Pank.

FRANCEBanque Populaire Groupe, Credit Agricole, BNPparibas, La Poste, Socitete Generale, Caisse d'epargne ile de France Paris, HSBC, Credit Mutuel, Axabanque, Banque Populaire Du Nord, Le Credit Lyonnais, BRED, Credit Agricole Provence, CRADIF, Covefi, CIC Lyonnaise De Banque and Banque Postale.

FINLANDAktia Sparbank, Okopankki Oyj, SAMPO, Nordea Suomi and Handels Banken.

GERMANYDeustche Bank, Postbank, Hypo Bank, NetBank, Apo Bank, Sparkassen, Provident Bank, Commerzbank, Berliner Bank AG, LB-BW Bank, Dresdner Bank, Cronbank, Citibank, Santander Bank, Raiffeisen/Volksbanken Banken, Norisbank, SEB AG, Comdirect Bank, Cortalconsors Bank and Wirecard Bank.

GIBRALTARBanco Atlantico Limited, Credit Suisse Limited, Jyske Bank, ABN-AMRO Bank, SG Hambros Bank & Trust Limited and NatWest Bank.

GREECEATE Bank, CitiBank of Greece, Piraeus Bank, Emporiki Bank, Alpha Bank, National Bank of Greece and EFG EuroBank.

HUNGARYHungarian Foreign Trade Bank, Országos Takarékpénztár Rt and National Bank of Hungary.

ICELANDCentral Bank of Iceland, The Reykjavík Savings Bank and Islandsbanki.

IRELANDABN-AMRO Bank, AIB, Bank of Ireland, UMB Bank, ACCBank, Ulster Bank and Natwest Bank.

ITALYBanca Intesa, Banca 121, Banco Popolare di Ravenna, Credito Valtellinese, Banca Valsabbina, Unicredit Banca, Banca Di Imola, Banca Cesare Ponti, Banca Popolare Dell'Emilia Romagna, Banca Delle Marche, Banco Di Sardegna, Deutsche Bank Italy, Banca Di Roma, CitiBank, Cassa Di Risparmio Di Venezia, Fineco, Banca Popolare Di Verona, Apollonia, SANPAOLO, Poste Italiane and Banca Popolare Di Milano.

LATVIAAizkraukles Banka, Baltikums Banka, Rietumu Bank, Paritate Bank, Multibanka, Lateko Banka, Parex Bank and Hansabanka.


Worldwide Coverage®

Banking Partners

LITHUANIALietuvos Bankas, Snoras Bank, Lithuanian Savings Bank and Hansabanka.

LUXEMBURGBCEE, Dexia-BIL, ABN-AMRO Luxembourg, Bank Sarasin Benelux S.A. and Bankgesellschaft Berlin International S.A.

MACEDONIAINKO Stedilnica, National Bank of the Republic of Macedonia, Komercijalna Banka and Ohridska Banka.

MALTACentral Bank of Malta, Bank of Valletta and Lombard Bank Malta.

NETHERLANDSABN-AMRO Bank, Rabo Bank, SNS Bank, Ing Bank, PostBank and Fortis Bank.

NORWAYAnkenes Sparebank på nett, Aurland Sparebank, Bamble & Langesund Sparebank, Birkenes Sparebank, BN Bank, Bud, Fræna og Hustad Sparebank, Andebu Sparebank, Askim Sparebank, ABN-AMRO Bank, Aurskog Sparebank,Blaker Sparebank, BNP Paribas (Oslo), Norske Bank, Den. and Berg Sparebank,

POLANDBank Gospodarki Zywnosciowej, Bank Polska Kasa Opieki, Bank Handlowy W Warszawie and Bank Pocztowy S.A. w Bydgoszczy.

PORTUGALCaixa Geral de Depositos, Banco Espírito Santo, Barclays Netbanking Portugal, Banco BPI, Atlântico, Banco Finantia, Banif Banco Internacional do Funchal, SA and Montepio Geral.

ROMANIABanca Comerciala Carpatica, Banca Comerciala Romana, Banca Romaneasca, Banc Post S.A., C.E.C. and Banca Transilvania.

SERBIANational Bank of Serbia, Atlas Banka and Astra Banka.

SLOVENIAAbanka d.d. Ljubljana, Banka Celje d.d. Celje and Bank of Slovenia

SLOVAK REPUBLICGeneral Credit Bank, Ludova Banka, Slovak Savings Bank, Istrobankan, National Bank of Slovakia and Tatra Banka.

SPAINBBVA (Banco Bilbao Vizcaya Argentaria), Bilbao Bizkaia Kutxa, Banco Espanol de Credito S.A. (Banesto), Caja Cantabria, Banco Sabadell, La Caixa, Caja de Ahorros del Mediterraneo, Caja de Arquitectos, Caixa Laietana, Santander Central Hispano, Kutxa, Bankinter, Caixa de Catalunya, Bancaja, El Monte and Banco Pastor.

SWEDENABN-AMRO Sweden, Ikano Banken, FöreningsSparbanken, Alfred Berg Sweden, Länsförsäkringar, Boendets Bank, Sparbanken Finn, Nordbanken, S-E Banken, Trygg Hansa, HSB Bank, Stadshypotek and SkandiaBanken.

SWITZERLANDUBS, Banca dell Svizzera Italiana, Bank Sarasin, Credit Suisse, Bank Leu Ldt, Post Bank, Bank von Ernst & Cie AG, Banque Bonhôte & Cie SA, Bank Jacob Safra, Bank Pictet & Cie, Banque Cantonale Vaudoise, Bank Julius Baer, BEKB-BCBE, Darier Hentsch & Cie, Banque Migros, CIM Banque, Basler Kantonal Bank, Banca del Gottardo, Bank Vontobel J. & Co AG, Banque Cantonale de Fribourg, Zurcher Kantonale Bank, Banque Diamantaire Anversoise and Banque Cantonale de Geneve.

TUNISIAArab Tunisian Bank and Banque Centrale de Tunisie.

TURKEYArab Turkish Bank, Asbank Ltd. Mersin, Al Baraka Türk, Akbank and Anadolubank,

UNITED KINGDOMHSBC Bank, Bank Of Scotland, Barclays, Cahoot, First Direct, Smile, Intelligent Finance, BOSInternet, Nationwide Building Society, Halifax, Co-Operative Bank PLC, NatWest, Lloydstsb Bank, Virgin Bank ,Royal Bank of Scotland, ABBEY, EGG, Ulster Bank, WoolWich Bank and CommonWealth Bank.


Worldwide Coverage


®

2000Charge, Inc.530 South Lake Ave. Suite 303

Pasadena, California 91101 USAPhone: +1 (626) 585-1814

Fax: +1 (626) [email protected]

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