To Our Shareholders In 2000, Euronet Worldwide focused on providing ways people can access their financial accounts and transactions through various electronic touchpoints. New secure transaction types and touchpoints—ATMs, point-of-sale (POS) devices, the Internet and mobile phones—continued to fuel transaction growth every month. In 2000, we processed a record 52.7 million billable transactions, a 60% increase over 1999, and in December 2000, our transaction levels exceeded 5 million per month and continue to accelerate. Taken together, our transaction growth and expanding number of consumer touchpoints  translated into an accelerating and recurring revenue stream, which greatly improved our  bottom line. Our 2000 revenue of $52.7 million represented a 27% increase over the  company’s 1999 revenue of $41.5 million. Euronet’s 2000 EBITDA also improved  $2.4 million, or 14.5%, over 1999.  Additional milestones were reached through several new strategic  partnerships we announced late in the year. Gemplus, Sila Communications and Aether Systems chose Euronet mobile products  to supplement their product offerings, proving the strength of  Euronet’s mobile products. Teaming up with these partners will  further increase the sales penetration of our suite of mobile payment  solutions around the world. 1 In our report to you last year, we noted that Euronet’s success has been built in large part on  the question “Would you like another transaction?” The answer from our clients and their  customers was a resounding “Yes!”  To reflect the rapid changes taking place in financial transactions worldwide, even that question has evolved. So in 2000, we also began asking “How would you like your next transaction?” This year we continued to focus on our core business of ATM driving and transaction processing, and we pursued new transactions through our mobile and Internet banking solutions. We also implemented our bill payment initiative, starting with electronic payments for prepaid mobile airtime. We are pleased to report that in 2000 our Network Services business turned EBITDA  positive and posted revenue of $36.9 million, an increase of 39% over 1999 revenue. 