1. Internet Payment Server Panama OCA Card October 24, 2001Uruguay Source: Cifra Consultants for OCA Public FTAA.ecom/inf/108 October 24, 2001 Original: Spanish Translation: FTAA Secretariat

2. Source: Cifra Consultants for OCA The card used by Uruguayans: 100%-owned by Bank of Boston 600,000 OCA cards in the market 62% of Uruguayan card-holders have the OCA card 51% of the money paid with credit cards 54% of credit card transactions 89% of businesses claim it is the card most used 75% of businesses indicate they are most satisfied with this card OCA Card

3. Source: Cifra Consultants for OCA Computer Access 690,000 Uruguayans of a total of 3,000,000 23% 77%

4. Source: Cifra Consultants for OCA 48% surf the Internet 360,000 web surfers 48.0% 52.0%

5. Source: Cifra Consultants for OCA Only 4% made a purchase 29,000 buyers OnLine48.0% 4.0%

6. Source: Cifra Consultants for OCA 21% would buy if it were more secure 150,000 potential buyers 48.0% 30.0% 22.0%

7. Security is the main inhibitor Three out of five potential buyers said they would buy on the Internet if it was more secure

8. From the Business Man’s Perspective With a low volume of sales, thousands of dollars cannot be invested to authorize on- line transactions.

9. OCA Payment Server OCA OCA Digital Certificate Buy without entering your card number

10. Support for trade The Payment Server deals with the complexities Use of the Payment Server at no additional cost Strong multimedia advertising campaign OCA assumes all risk of fraud and returns Only for purchases in Uruguay

11. OCA Card offers a new way to shop This symbol identifies the e-commerce sites where you can pay securely with the OCA card. Look for this symbol and shop with confidence because you will never need to use your card number on the Internet