1. Bucharest, 18 th March 2003

2. CARDS - GLOBAL ADVANTAGES EXTENDING CARD APPLICABILITY PETER GHEORGHIU SALES AND MARKETING DIRECTOR

3. Outline:  Cards – customer loyalty reflects your banks image  Cards – today’s debit card client, tomorrow’s credit card client  Case study, example – Pension Funds  Our mission

4. ICE 5500 T7 Plus Cards – More than a payment instrument  Customer incentive and retention programs are the key  Benefits of co-branded (universities, utility payments)  New industry programs Credit, Co - Branded, Proprietary, Prepaid, Smart

5. ICE 5500 T7 Plus Case Study – Pension Funds  Opportunities of a bank private transaction based pension fund  How it works  Advantages and facilities  Stimulates transactions  Increases POS placement

6. ICE 5500 T7 Plus OUR MISSION To promote and assist card implementation and usage through innovation, which results in profitability.

7. CONTACT PROVUS serviceprovider s.a. 3 Toma Caragiu Street, Bucharest - 3 Tel. +40 21 315 87 30 Fax +40 21 315 85 57 Email office@provus.rooffice@provus.ro Peter Gheorghiu – Sales and Marketing Director

8. Questions?

9. A large investment, the best technology and continuous innovation The card business is our business