SE L E C T E DCO N S O L I D AT E DFI N A N C I A LDATA
The summary consolidated financial data set forth below have been derived from, and are qualified by r e 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
1 3
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.
Brooklyn Bridge, New York