text: Selling, general and administrative costs allocated to the Network Services Segment decreased to $2.4 million for the year ended December 31, 
  2000 from $2.9 million for the year ended December 31, 1999. The $500,000 cost decrease for the year ended December 31, 2000 results fro m 
  the net effect of (1) a $600,000 increase in the allocation of costs from the selling, general and administrative line of the Budapest pro c e s s i n g 
  center to the operating cost line, as discussed above, from $2.9 million for the year ended December 31, 1999 to $3.5 for the year ended 
  December 31, 2000 and (2) a $100,000 increase in costs associated with the expansion of the Company’s network operations. 
  
  D e p reciation and amortization increased to $8.0 million for the year ended December 31, 2000 from $7.4 million for the year ended December 
  31, 1999. The increases are due primarily to the increase in the number of owned ATMs as discussed pre v i o u s l y. The Company also re c o rded an 
  $800,000 write-down of certain ATM hard w a re assets for the year ended December 31, 2000, as previously discussed. 