SIBS ROMANIA SA

Provus was established in February 2001 operating in the field of card transaction processing and related retail banking services. Provus is actively encouraging the development of card solutions for the Romanian market. Provus is, therefore, the only provider on the Romanian market that offers full card outsourcing services to its customers. All services regarding the card business are included, starting with the ATM and POS network development, through to assistance services in case of emergency for card owners, anywhere in the world. Provus customers are offered the opportunity to enter the card market within a very short period of time with no significant investment, whilst benefiting from worldwide consultancy services which our group has developed. Provus aims at promoting and facilitating the use of cards on a larger scale, not only debit/salary cards, but credit cards, co-branded cards and proprietary cards, smart cards.