SE L E C T E D CO N S O L I D AT E D FI N A N C I A L DATA The summary consolidated financial data set forth below have been derived from, and are qualified by re f e rence to, the audited consolidated financial statements of the Company and the notes thereto, pre p a red in conformity with generally accepted accounting principles as applied in the United States (“U.S. GAAP”), which have been audited by KPMG Polska Sp. z o.o., independent public accountants. The Company believes that the period-to-period comparisons of its financial results are not necessarily meaningful due to its significant acquisitions in December 1998 and J a n u a ry 1999, and should not be relied upon as an indication of future perf o rmance. The following information should be read in conjunction with “Management’s Discussion and Analysis of Financial Condition and Results of Operations” included herein.  Consolidated Statements of Operations Data: Year ended December 31, 2 0 0 0 1 9 9 9 1 9 9 8 1 9 9 7 1 9 9 6 (in thousands, except for share and per share data) R e v e n u e s : ATM network and related re v e n u e $ 3 6 , 9 1 3. $ 2 6 , 5 0 3. $ 1 1 , 5 2 5. $ 5 , 2 9 0. $ 1 , 2 6 1. S o f t w a re and related re v e n u e 1 5 , 8 2 7. 1 4 , 9 6 9. 3 5 6. —. —. Total re v e n u e s 5 2 , 7 4 0. 4 1 , 4 7 2. 1 1 , 8 8 1. 5 , 2 9 0. 1 , 2 6 1. Operating expenses: D i rect operating costs 2 4 , 9 8 8. 2 2 , 8 3 0. 1 0 , 0 3 6. 3 , 7 1 7. 8 2 7. Salaries and benefits 2 9 , 2 6 5. 2 4 , 3 5 0. 9 , 7 2 3. 3 , 7 9 6. 9 8 9. Selling, general and administrative 1 1 , 5 3 1. 1 0 , 7 2 5. 8 , 6 5 0. 4 , 4 6 8. 2 , 4 5 9. D e p reciation and amort i z a t i o n 1 0 , 3 8 4. 1 0 , 2 3 8. 4 , 9 5 5. 1 , 7 3 1. 4 8 1. I n - p rocess re s e a rch and development write-off —. —. 1 , 0 2 0. —. —. Asset write down 1 1 , 9 6 8. —. —. —. —. S h a re compensation expense —. 1 2 7. 1 0 8. 1 0 8. 4 , 1 7 2. Total operating expenses 8 8 , 1 3 6. 6 8 , 2 70 . 3 4 , 4 9 2. 1 3 , 8 2 0. 8 , 9 2 8. Operating loss ( 3 5 , 3 9 6 ) ( 2 6 , 7 9 8 ) ( 2 2 , 6 1 1 ) ( 8 , 5 3 0 ) ( 7 , 6 6 7 ) Other income/expenses: I n t e rest income 1 , 0 8 9. 1 , 9 50 . 2 , 5 1 4. 1 , 6 0 9. 2 2 5. I n t e rest expense ( 1 0 , 8 2 9 ) ( 1 0 , 8 9 9 ) ( 7 , 8 2 6 ) ( 1 , 1 5 2 ) ( 3 7 8 ) F o reign exchange (loss)/gain, net ( 3 , 2 2 7 ) ( 2 , 1 1 0 ) ( 1 , 9 1 1 ) 8. ( 7 9 ) Loss before income tax benefit/(expense) ( 4 8 , 3 6 3 ) ( 3 7 , 8 5 7 ) ( 2 9 , 8 3 4 ) ( 8 , 0 6 5 ) ( 7 , 8 9 9 ) ( 1 , 1 8 8 ) 4 , 1 82. ( 1 , 4 3 0 ) 1 0 0. 3 2 3. Loss before extraord i n a ry item ( 4 9 , 5 5 1 ) ( 3 3 , 6 7 5 ) ( 3 1 , 2 6 4 ) ( 7 , 9 6 5 ) ( 7 , 5 7 6 ) E x t r a o rd i n a ry gain, net —. 2 , 7 60 . 2 , 8 8 9. —. —. Net loss $  ( 4 9 , 5 5 1 ) $  ( 3 0 , 9 1 5 ) $ ( 2 8 , 3 7 5 ) $ ( 7 , 9 6 5 ) $ ( 7 , 5 7 6 ) Loss per share – basic and diluted: Loss before extraord i n a ry item $ ( 3 . 0 0 ) $ ( 2 . 2 1 ) $ ( 2 . 0 6 ) $ ( 0 . 6 4 ) $ ( 1 5 . 1 8 ) E x t r a o rd i n a ry gain $ —. $ 0 . 18. $ 0 . 1 9. —. —. Net loss $ ( 3 . 0 0 ) $ ( 2 . 0 3 ) $ ( 1 . 8 7 ) $ ( 0 . 6 4 ) $ ( 1 5 . 1 8 ) Weighted average number of shares outstanding 1 6 , 4 9 9 , 6 9 9. 1 5 , 2 5 2 , 0 3 0. 1 5 , 1 8 0 , 6 5 1. 1 2 , 3 8 0 , 9 6 2. 4 9 9 , 1 0 0 Brooklyn Bridge, New York B R I D G E O F D R E A M S If you can dream it, build it.  Just as bridges shape the skylines of the world‘s cities, they also still deeply influence our cultures, our commerce and our lives. Today, consumers are demanding greater convenience, personalized transactions, up-to-the-minute information and privacy as never before through the Internet, wireless access and other exciting new technologies. New types of bridges - electronic bridges - are emerging to link consumers with these services in innovative ways that redefine the financial transactions process. Now as we face a world constantly on the go, our mission is to create and implement flexible, secure solutions to connect people with their personal information. 1 3