text: D i rect operating costs in the Network Services Segment consist primarily of: ATM installation costs; ATM site rentals; and costs associated with 
  maintaining ATMs, ATM telecommunications, interest on network cash and cash delivery and security services to ATMs. Such costs increased to 
  $24.4 million for the year ended December 31, 2000 from $21.9 million for the year ended December 31, 1999. The increase in direct operating 
  costs is primarily attributable to costs associated with operating the increased number of ATMs in the network during the periods. Also, 
  i n t e rcompany allocations were made to charge the ATM operations with transaction switching and bank connection fees associated with the 
  operations central processing center in Budapest. These allocations totalled $3.5 million and $2.9 million for the years ended December 31, 2000 
  and 1999, re s p e c t i v e l y. Direct operating costs for 2000 include a one-time gain of $1.2 million due to a change in Hungarian law that eliminates a 
  major portion of the Company’s liability for import taxes on ATM hard w a re. Direct operating costs also include a $657,000 gain realized in 1999 
  f rom the sale of the Croatian network assets. The components of direct operating costs for the years ended December 31, 2000 and 1999 were: 