Nordic Card Markets (2008)

http://www.pbs.dk

PBS is one of the leaders in Europe for payment systems and the exchange of payment information. We offer unsurpassed operational security, many years’ experience and a highly skilled staff, capable of carrying out the most complicated assignments. All this enables us to provide our customers with unique, customised solutions.

http://www.mastercard.com

MasterCard Europe is the entity responsible for managing MasterCard Worldwide’s business in Europe - for Europe. With headquarters in Waterloo, Belgium, MasterCard Europe works with 51 European countries organized administratively into three customer areas, incorporating the Single Euro Payments Area (SEPA), mature markets and the developing markets of Europe, stretching as far afield as the eastern border of Russia. Through its network of local offices, MasterCard Europe can understand and meet the diverse needs of customers in the very different types of markets throughout Europe, enabling people to do business in their own way in their own language.

Through MasterCard Worldwide, MasterCard Europe offers its European customers and consumers access to leading payment services throughout the world. MasterCard Worldwide advances global commerce by providing a critical economic link among financial institutions, businesses, cardholders and merchants worldwide. As a franchisor, processor and advisor, MasterCard develops and markets payment solutions, processes over 16 billion transactions each year, and provides industry-leading analysis and consulting services to financial institution customers and merchants. Through its family of brands, including MasterCard®, Maestro® and Cirrus®, MasterCard serves consumers and businesses in more than 210 countries and territories. For more information go to http://www.mastercard.com

http://www.bbs.no

Banking and Business Solutions was established in 1972. BBS is a leading provider of payments-, trust- and information services to financial institutions, enterprises and public sector. In 2006 BBS had a turnover of approx EUR 200 million and the company currently has about 750 employees in Norway, Sweden and Denmark. For more information please visit www.bbs.no

http://www.tsys.com

TSYS (www.tsys.com) is one of the world’s largest companies for outsourced payment services, offering a broad range of issuer- and acquirer-processing technologies that support consumer-finance, credit, debit and prepaid services for financial institutions and retail companies in the Americas, EMEA and Asia-Pacific regions. Based in Columbus, Ga., TSYS (NYSE: TSS) is closely held by Synovus Financial Corp. (NYSE: SNV), one of FORTUNE magazine’s “Most Admired Companies” and a member of its “100 Best Companies to Work For” Hall of Fame. For more information, contact news@tsys.com.

http://www.edb.com

EDB Business Partner is a leading IT services group in the Nordic region, with 3,900 employees and a turnover of NOK 5.8 billion in 2006. The group offers solutions covering the full range of business-critical IT services, from application services and industry solutions to operations and network solutions. We strive to be a strong and attentive IT partner, helping our customers improve their competitiveness and achieve their business objectives. EDB Business Partner is listed on the Oslo Stock Exchange. With the acquisition of CEKAB, the combined EDB CEKAB group will create a leading Nordic centre for card issuing and acquiring services. For more information please visit us at www.edb.com

• Point was established in Norway 1987 and is today after years of expansion the market leader within terminal management in the Nordic/Baltic region.

• Point’s Business Idea is to supply state of the art products and services for fast and secure POS and ATM transaction handling and operate the most advanced and cost efficient bank independent network for domestic and cross boarder transactions.

• Point offers a wide range of products for payment solutions, reliable, secure and always up to date with the latest international security standards.

• We provide industry-leading technology within a PCI compliant environment, which enable us to offer our customers the best tools for fast and secure POS and ATM transactions.

• Point Group sales are 750 MSEK, with 300 employees. We have an installed terminal base of 300,000 POS units and more than 5,000 installed ATM’s.