text: Investors are cautioned that any such forw a rd looking statements are not guarantees of future perf o rmance and involve risks and uncert a i n t i e s . 
  Actual results may materially differ from those in the forw a rd-looking statements as a result of various factors, including: technological and 
  business developments in the local card and electronic banking markets affecting the transaction and other fees which the Company is able to 
  c h a rge for its services; foreign exchange fluctuations; competition from bank owned ATM networks, outsource providers of ATM services and 
  s o f t w a re providers; the Company’s relationships with its major customers, sponsor banks in various markets and International Card Org a n i z a t i o n ; 
  and changes in laws and regulations affecting the Company’s business. These risks, and other risks are described elsewhere in this document and 
  the Company’s periodic filings with the Securities and Exchange Commission. 
  
  QU A N T I TAT I V E A N D QU A L I TAT I V E DI S C L O S U R E S AB O U T MA R K E T RI S K 