Exhibit 10.2
AMENDMENT NO. 2
     THIS AMENDMENT NO. 2, dated as of February 18, 2009 (this “Amendment”), of
that certain Credit Agreement referenced below is by and among Euronet
Worldwide, Inc., a Delaware corporation (“EWI”), certain Subsidiaries and
Affiliates of EWI identified herein, as Borrowers and Guarantors, the
undersigned Lenders, Bank of America, N.A., as Administrative Agent for Domestic
Loan Obligations and F/X Obligations and, acting through its Mumbai Branch, as
Administrative Agent for all India Obligations, and Bank of America, as
Collateral Agent. Capitalized terms used but not otherwise defined herein shall
have the meanings provided in the Credit Agreement.
W I T N E S S E T H
     WHEREAS, multicurrency revolving and institutional term loan facilities
have been established in favor of the Borrowers pursuant to the terms of that
certain Credit Agreement, dated as of April 4, 2007 (as amended, restated,
extended, supplemented or otherwise modified from time to time, the “Credit
Agreement”), among the Borrowers named therein, the Guarantors named therein,
the Lenders identified therein, Bank of America, N.A., as Administrative Agent
for Domestic Loan Obligations and F/X Obligations and, acting through its Mumbai
Branch, as Administrative Agent for all India Obligations, and Bank of America,
as Collateral Agent;
     WHEREAS, EWI has requested certain modifications to the Credit Agreement;
     WHEREAS, the Lenders have agreed to the requested modifications on the
terms and conditions set forth herein;
     NOW, THEREFORE, in consideration of these premises and other good and
valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties agree as follows:
     1. Acknowledgment. Section 2.06(b)(vi) of the Credit Agreement provides for
certain mandatory prepayments and termination of Commitments unless certain
conditions are satisfied with respect to the Convertible Debentures, including
demonstration by EWI of sufficient liquidity and pro forma compliance with the
financial covenants. Acknowledgment is hereby given that EWI has satisfied the
conditions in subclause (B) of Section 2.06(b)(vi) such that no mandatory
prepayment is required in respect of the next Repurchase Date for the
Convertible Debentures.
     2. Amendments to the Credit Agreement. The Credit Agreement is amended as
follows:
     2.1 Section 1.01 (Definitions) is amended in the following respects:
     (a) The definition of “Consolidated EBITDA” is amended to read as follows:
     “Consolidated EBITDA” means, for any period for the Consolidated Group,
without duplication, the sum of (i) operating income, plus (ii) depreciation,
plus (iii) amortization, plus (iv) interest income from the operations of the
Prepaid Processing Segment, plus (v) certain one-time non-cash charges with the
consent of the Administrative Agent and the Required Lenders, plus (vi) non-cash
expenses recognized pursuant to FASB Statement No. 123(R) (Share-Based Payments)
plus (vii) net income from joint ventures and other minority interests owned by
members of the Consolidated Group when and as earned and received plus (viii) to
the extent deducted in the calculation of operating income, charges resulting
from the proposed acquisition of MoneyGram International, Inc. in an aggregate
amount not to exceed $4 million plus (ix)

 

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to the extent deducted in the calculation of operating income, one-time non-cash
charges for impairment of goodwill or other intangible assets taken during the
period ending December 31, 2008 and thereafter; provided that (A) appropriate
adjustments will be made in subsequent periods where cash payments are
subsequently made in respect of non-cash charges previously excluded under
clauses (v) and (vi) and (B) such calculations to exclude the effect of
extraordinary gains and losses and tax effects relating thereto Except as
otherwise expressly provided, the applicable period shall be the four
consecutive fiscal quarters ending as of the date of determination.
     (b) The “except” clause in the definition of “Debt Transactions” is amended
to read as follows:
     , except for Funded Debt permitted to be incurred pursuant to clauses (a)
through (o) of Section 8.03.
     (c) Clause (f) of the definition of “Equity Transactions” is amended to
read as follows:
     (f) of Capital Stock the proceeds of which are used to make payments
permitted on the Convertible Debentures in accordance with Section 8.10(b)(iii),
Section 8.10(b)(iv) or the “Notwithstanding” sentence at the end of Section
8.10.
     (d) The definition of “Permitted Disposition” is amended by deleting the
“and” at the end of clause (b), relabeling clause (c) as clause (d), and adding
a new clause (c) to read as follows:
     (c) the contribution of all or any portion of the assets of, or the equity
interests in, certain subsidiaries organized and operating in Spain (including
Euronet Movilcarga S.L. and Euronet Telerecarga, S.L.) into a non-wholly owned
joint venture otherwise permitted hereunder; and
     2.2 In Section 2.06(b)(ii)(B) (Prepayments), the reference to “clause (b)”
in the first parenthetical is amended to be a reference to “clause (b) or (c)”.
     2.3 In Section 7.11 (Use of Proceeds), the proviso is amended to read as
follows:
provided that, notwithstanding anything contained herein to the contrary, Credit
Extensions may not be used for the repurchase or redemption of the Convertible
Debentures (it being understood that Credit Extensions shall not be deemed to
have been so used solely because Credit Extensions are outstanding at the time
of such repurchases or redemptions).
     2.4 Section 8.01 (Liens) is amended in the following respects:
     (a) Subclause (m) is amended to read as follows:
     (m) rights or Liens granted to (1) vendors or suppliers of products,
content or services distributed or provided through processing networks of the
Consolidated Group (including, without limitation, those that supply PIN’s,
on-line mobile or long distance phone time (including, without limitation,
telephone operators and other vendors or suppliers, including Transport for
London; distributors of prepaid music, television and

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other services; and issuers of gift cards and other stored value cards)) in the
products or content supplied (including, without limitation, PIN inventory, PIN
accounts receivable (including the rights and Liens of mobile operators in the
Mobile Network Trust Arrangement) and any restricted cash accounts associated
with the purchase or sale of those products or content or (2) correspondent
payout agents to facilitate money transfers;
     (b) Subclause (o) is amended to read as follows:
     (o) cash collateral in an aggregate amount of up to €35 million to secure
letters of credit or bank guarantees permitted by Section 8.03(l);
     2.5 Section 8.02 (Investments) is amended in the following respects:
     (a) Clause (i) is amended in the following respects:
     (1) In subclause (i), the references to “$25 million” are amended to read
“$50 million”; and
     (2) Subclause (iii) is amended to read “Foreign Subsidiaries that are
organized and operating under the laws of the Peoples Republic of China, whether
or not wholly-owned and whether or not a Guarantor, in an aggregate principal
amount not to exceed an amount equal to the remainder of $50 million minus the
aggregate amount of Indebtedness outstanding under Sections 8.03(e)(iii)(A) and
8.03(o)(iv)”.
     (b) Clause (j) is amended to change the section reference at the end of the
section from “Section 8.03(m)” to “Section 8.03(n)”.
     (c) The existing subclause (m) is relabeled as subclause (n) and a new
subclause (m) is added as follows:
     (m) the contribution of all or any portion of the assets of, or the equity
interests in, certain subsidiaries organized and operating in Spain (including
Euronet Movilcarga, S.L. and Euronet Telerecarga, S.L.) into a non-wholly owned
joint venture otherwise permitted hereunder; and
     2.6 Section 8.03 (Indebtedness) is amended in the following respects:
     (a) Subclause (iv) of clause (c) is amended to read as follows:
     (iv) the covenants, terms and provisions of the indenture, note purchase
agreement, credit agreement or other governing instrument will not be less
favorable to EWI and the Consolidated Group, in any material respect, than the
indenture governing the Convertible Subordinated Debentures; provided that the
conversion rate may be less favorable to EWI and the Consolidated Group;
     (b) Subclause (iii) of the proviso of clause (e) is amended to read as
follows:
     (iii) the aggregate principal amount of all such Indebtedness shall not
exceed (A) in the case of members of the Consolidated Group organized and
operating in the Peoples Republic of China, an amount, at any time, equal to the
remainder of $50 million minus the aggregate amount of Investments under
Section 8.02(i)(iii) and the aggregate amount

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of Indebtedness outstanding under Section 8.03(o)(iv), and (B) in the case of
members of the Consolidated Group other than members that are organized and
operating in the Peoples Republic of China, $40 million at any time;
     (c) Clause (l) is amended to read as follows:
     (l) Indebtedness of up to €35 million under letters of credit or bank
guaranties (net of cash collateral provided therefor) required by (1) vendors or
suppliers of products, content or services distributed or provided through
processing networks of the Consolidated Group (including, without limitation,
those that supply PIN’s, on-line mobile or long distance phone time (including,
without limitation, telephone operators and other vendors or suppliers,
including Transport for London; distributors of prepaid music, television and
other services; and issuers of gift cards and other stored value cards)) in the
products or content supplied (including, without limitation, PIN inventory, PIN
accounts receivable (including the rights and Liens of mobile operators in the
Mobile Network Trust Arrangement) and any restricted cash accounts associated
with the purchase or sale of those products or content or (2) correspondent
payout agents to facilitate money transfers;
     (d) Clause (o) is amended to read as follows:
     (o) other Funded Debt not contemplated in the foregoing clauses of this
Section in an aggregate principal amount not to exceed (i) $10 million, in the
case of EWI, (ii) $5 million, in the case of any member of the Consolidated
Group other than EWI and members of the Consolidated Group that are organized
and operating in the Peoples Republic of China, (iii) $30 million in the
aggregate for all members of the Consolidated Group other than EWI and members
of the Consolidated Group that are organized and operating in the Peoples
Republic of China, and (iv) an amount, at any time, equal to the remainder of
$50 million minus the aggregate amount of Investments under Section 8.02(i)(iii)
and the aggregate amount of Indebtedness outstanding under
Section 8.02(e)(iii)(A), in the aggregate for all members of the Consolidated
Group that are organized and operating in the Peoples Republic of China; and
     2.7 Clause (g) of Section 8.06 (Restricted Payments) is amended to read:
     (g) EWI may redeem, retire, repurchase or acquire for value and otherwise
make payments with respect to the Convertible Debentures pursuant to the terms
and conditions set forth in Section 8.10.
     2.8 Section 8.10 (Covenants Regarding Convertible Debentures and Other
Subordinated Debt) is amended in the following respects:
     (a) Clause (b) is amended as follows:
     (1) in subclause (iii) all references to the “Convertible Debentures” are
amended to read “Convertible Subordinated Debentures”;
     (2) the “and” at the end of subclause (ii) is deleted and an “and” is
inserted at the end of subclause (iii); and

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     (3) a new clause (iv) is added providing “the redemption, retirement,
repurchase, or acquisition for value of the Convertible Subordinated Debentures,
at any time and from time to time, (A) in connection with a refinancing,
refunding, renewal or extension of the Convertible Subordinated Debentures
otherwise permitted under Section 8.03(c), (B) in exchange for Capital Stock of
EWI issued directly to the holders of the Convertible Subordinated Debentures or
(C) with the proceeds of an Equity Transaction permitted for such purpose
hereunder.”
     (b) The “Notwithstanding” sentence at the end of Section 8.10 is amended to
read as follows:
     “Notwithstanding the foregoing, EWI shall be permitted to redeem,
repurchase, retire or acquire, at any time and from time to time, Convertible
Senior Debentures (whether for cash and/or in exchange for Capital Stock of EWI)
so long as no Default or Event of Default shall exist immediately before or
immediately after giving effect to such redemption, repurchase, retirement or
acquisition.”
     2.9 Section 8.13(a) (Consolidated Net Worth) is amended to read as follows:
     (a) Consolidated Net Worth. At any time, permit Consolidated Net Worth to
be less than the sum of (i) 75% of Consolidated Net Worth (as established by the
financial statements delivered pursuant to Section 7.01(b) for the fiscal
quarter ending March 31, 2007) after giving effect to the RIA Acquisition on a
Pro Forma Basis plus (ii) an amount equal to 50% of cumulative Consolidated Net
Income (but not less than zero) from the end of the first fiscal quarter to
occur after the Closing Date, plus (iii) an amount equal to 75% of net cash
proceeds from Equity Transactions occurring after the Closing Date, minus
(iv) one-time non-cash charges for impairment of goodwill or other intangible
assets taken during the period ending December 31, 2008 and thereafter to the
extent not included in the foregoing clause (ii) hereof.
     2.10 The Domestic Security Agreement is amended such that (a) each
reference in Section 5(k) and (l) thereof to a Patent, Trademark or Copyright is
amended by inserting the word “material” immediately prior to such reference and
(b) the portion of Schedule 1(b) (Intellectual Property) thereto relating to
Patents is amended to read as attached hereto. Certain information on the
version of that schedule delivered at closing was incomplete or inaccurate. The
corrected schedule is provided with the intent to address and correct such
items. Further, by execution of this Amendment, the Lenders waive any Default or
Event of Default that exists, or may have existed, on account of the foregoing
but that would not have existed had the amendments provided for by this
Section 2.10 been in effect at the relevant time.
     3. EWI’s Objection to FASB 141(R). As permitted by Section 1.03(c) of the
Credit Agreement, EWI hereby objects to determining compliance with any
financial ratio or requirement set forth in any Credit Documents under the
computations required by FASB Statement No. 141(R) (Business Combinations) and
the Lenders hereby acknowledge that such computations shall continue to be made
on a basis consistent with the most recent financial statements delivered by EWI
under Section 7.01(b).
     4. Conditions Precedent. This Amendment shall be effective (such date on
which this Amendment becomes effective, the “Amendment No. 2 Effectiveness
Date”) immediately upon satisfaction of the following conditions:

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     (a) Executed Amendment. Receipt by the Administrative Agent of multiple
counterparts of this Amendment duly executed by the Credit Parties, the Required
Lenders and the Administrative Agent.
     (b) Legal Opinions. Receipt by the Administrative Agent of favorable legal
opinions of counsel for EWI and the other Domestic Credit Parties, in form and
substance reasonably satisfactory to the Administrative Agent and the requisite
Lenders.
     (c) Organization Documents, Incumbency, Resolutions, Etc. Receipt by the
Administrative Agent of the following, each of which shall be originals or
facsimiles (followed promptly by originals), in form and substance satisfactory
to the Administrative Agent:
     (i) copies of the Organization Documents of each Domestic Credit Party
certified to be true and complete as of a recent date by the appropriate
Governmental Authority of the state or other jurisdiction of its incorporation
or organization, where applicable, and certified by a secretary or assistant
secretary of such Domestic Credit Party to be true and correct as of the date of
this Amendment, unless a Responsible Officer of EWI certifies in a certificate
that the Organization Documents previously delivered to the Administrative Agent
in connection with the Credit Agreement have not been amended, supplemented or
otherwise modified and remain in full force and effect as of the date hereof;
     (ii) incumbency certificates identifying the Responsible Officers of the
Domestic Credit Parties who are authorized to execute this Amendment and related
documents and to act on the Domestic Credit Parties behalf in connection with
this Amendment and the Credit Documents, unless a Responsible Officer of EWI
certifies in a certificate that the incumbency certificates previously delivered
to the Administrative Agent in connection with the Credit Agreement have not
been amended, supplemented or otherwise modified and remain in full force and
effect as of the date hereof.
     (iii) such certificates of resolutions or other action, incumbency
certificates and/or other certificates of Responsible Officers of each Domestic
Credit Party as the Administrative Agent may require evidencing the identity,
authority and capacity of each Responsible Officer thereof authorized to act as
a Responsible Officer in connection with this Amendment; and
     (iv) such documents and certifications as the Administrative Agent may
reasonably require to evidence that each Domestic Credit Party is duly organized
or formed, and is validly existing, and in good standing in its state of
organization or formation.
     (d) Receipt by the Administrative Agent of (i) a fee, for the benefit of
the Lenders consenting to this Amendment, in an amount equal to one half of one
percent (0.50%) of the aggregate amount of such consenting Lenders’ loans and
commitments under the Credit Agreement and (ii) all other fees and expenses
required to be paid on or before the Amendment No. 2 Effectiveness Date.
     5. Effectiveness of Amendment. On and after the date hereof, all references
to the Credit Agreement in each of the Credit Documents shall hereafter mean the
Credit Agreement as amended by this Amendment. For purposes of clarification,
all financial covenant calculations with respect to periods prior to the
Amendment No. 2 Effectiveness Date will be made using the financial definitions
and

6

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covenants as amended by this Amendment. Except as specifically amended hereby or
otherwise agreed, the Credit Agreement is hereby ratified and confirmed and
shall remain in full force and effect according to its terms.
     6. Representations and Warranties; Defaults. The Credit Parties hereby
affirm each of the following:
     (a) all necessary action to authorize the execution, delivery and
performance of this Amendment has been taken;
     (b) after giving effect to this Amendment, the representations and
warranties set forth in the Credit Agreement and the other Credit Documents are
true and correct in all material respects as of the date hereof (except to the
extent that such representations and warranties specifically refer to an earlier
date, in which case they shall be true and correct as of such earlier date, and
except that for purposes of this Section 6, the representations and warranties
contained in subsections (a) and (b) of Section 6.05 of the Credit Agreement
shall be deemed to refer to the most recent statements furnished pursuant to
clauses (a) and (b), respectively, of Section 7.01 of the Credit Agreement).
     (c) except as waived in Section 2.10 of this Amendment, before and after
giving effect to this Amendment, no Default or Event of Default shall exist; and
     (d) except as expressly provided otherwise herein, the liens and security
interests created and granted in the Credit Documents remain in full force and
effect and this Amendment is not intended to adversely affect or impair such
liens and security interests in any manner.
     7. Full Force and Effect. Except as modified hereby, all of the terms and
provisions of the Credit Agreement and the other Credit Documents (including
schedules and exhibits thereto) shall remain in full force and effect.
     8. Reaffirmation of Security Interests. The Credit Parties (a) affirm that
each of the liens granted in or pursuant to the Credit Documents are valid and
subsisting and (b) agree that this Amendment shall in no manner impair or
otherwise adversely effect any of the liens granted in or pursuant to the Credit
Documents.
     9. Counterparts. This Amendment may be executed in any number of
counterparts, each of which when so executed and delivered shall be deemed an
original, and it shall not be necessary in making proof of this Amendment to
produce or account for more than one such counterpart. Delivery by any party
hereto of an executed counterpart of this Amendment by facsimile shall be
effective as such party’s original executed counterpart and shall constitute a
representation that such party’s original executed counterpart will be
delivered.
     10. Fees and Expenses. The Credit Parties agree to pay all reasonable costs
and expenses of the Administrative Agent in connection with the preparation,
execution and delivery of this Amendment, including the reasonable fees and
expenses of Moore & Van Allen, PLLC.
     11. Governing Law. This Amendment shall be governed by, and construed in
accordance with, the law of the State of New York.
[SIGNATURES ON FOLLOWING PAGES]

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     IN WITNESS WHEREOF, each of the parties hereto has caused a counterpart of
this Amendment to be duly executed and delivered as of the date first above
written.

              DOMESTIC BORROWERS:   EURONET WORLDWIDE, INC.
 
           
 
  By:   /s/ Rick Weller    
 
                Name: Rick L. Weller     Title: EVP & CFO
 
                EURONET PAYMENTS & REMITTANCE, INC.
 
           
 
  By:   /s/ Eric Mettemeyer    
 
                Name: Eric Mettemeyer     Title: Treasurer
 
                RIA ENVIA, INC.
 
           
 
  By:   /s/ Juan Bianchi    
 
                Name: Juan C. Bianchi     Title: President & CEO
 
                CONTINENTAL EXCHANGE SOLUTIONS, INC.
 
           
 
  By:   /s/ Juan Bianchi    
 
                Name: Juan C. Bianchi     Title: President & CEO
 
            DOMESTIC GUARANTORS:   EURONET WORLDWIDE, INC.
 
           
 
  By:   /s/ Rick Weller    
 
                Name: Rick L. Weller     Title: EVP & CFO
 
                EURONET PAYMENTS & REMITTANCE, INC.
 
           
 
  By:   /s/ Eric Mettemeyer    
 
                Name: Eric Mettemeyer     Title: Treasurer

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  EURONET USA, INC.
 
           
 
  By:   /s/ Jeff Newman    
 
                Name: Jeff Newman     Title: Vice President & Secretary
 
                PAYSPOT, INC.
 
           
 
  By:   /s/ Eric Mettemeyer    
 
                Name: Eric Mettemeyer     Title: President
 
                RIA ENVIA, INC.
 
           
 
  By:   /s/ Juan Bianchi    
 
                Name: Juan C. Bianchi     Title: President & CEO
 
                CONTINENTAL EXCHANGE SOLUTIONS, INC.
 
           
 
  By:   /s/ Juan Bianchi    
 
                Name: Juan C. Bianchi     Title: President & CEO
 
                RIA TELECOMMUNICATIONS OF NEW YORK, INC.
 
           
 
  By:   /s/ Juan Bianchi    
 
                Name: Juan C. Bianchi     Title: President & CEO
 
            F/X BORROWERS:   EFT SERVICES HOLDINGS BV
 
           
 
  By:   /s/ Jeff Newman    
 
                Name: Jeff Newman     Title: EVP, Euronet Worldwide, Inc.,
Managing Director
 
                DELTA EURONET GmbH
 
           
 
  By:   /s/ Roger Heinz    
 
                Name: Roger Heinz     Title: SVP, Managing Director EEFT

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  E-PAY HOLDINGS LTD
 
           
 
  By:   /s/ Jeff Newman    
 
                Name: Jeff Newman     Title: Director
 
            F/X GUARANTORS:   EFT SERVICES HOLDINGS BV
 
           
 
  By:   /s/ Jeff Newman    
 
                Name: Jeff Newman     Title: EVP Euronet Worldwide, Inc.,
Managing Director
 
                DELTA EURONET GmbH
 
           
 
  By:   /s/ Roger Heinz    
 
                Name: Roger Heinz     Title: SVP, Managing Director EEFT
 
                E-PAY HOLDINGS LTD
 
           
 
  By:   /s/ Jeff Newman    
 
                Name: Jeff Newman     Title: EVP Euronet Worldwide, Inc.,
Managing Director
 
                RIA FINANCIAL SERVICES AUSTRALIA PTY LTD
 
           
 
  By:   /s/ Juan Bianchi    
 
                Name: Juan C. Bianchi     Title: Director
 
                E-PAY AUSTRALIA PTY LIMITED
 
           
 
  By:   /s/ Gareth Gumbley    
 
                Name: Gareth Gumbley     Title: Director, SVP

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  E-PAY AUSTRALIA HOLDINGS PTY LTD
 
           
 
  By:   /s/ Gareth Gumbley    
 
                Name: Gareth Gumbley     Title: Director, SVP
 
                EURONET SERVICES GmbH
 
           
 
  By:   /s/ Roger Heinz    
 
                Name: Roger Heinz     Title: SVP, Managing Director EEFT
 
                RIA ENVIA FINANCIAL SERVICES GmbH
 
           
 
  By:   /s/ Wolf-Dieter Weschke    
 
                Name: Wolf-Dieter Weschke     Title: Managing Director
 
                TRANSACT ELEKTRONISCHE
ZAHLUNGSSYSTEME GmbH
 
           
 
  By:   /s/ Marc Ehler    
 
                Name: Marc Ehler     Title: Managing Director
 
                EURONET BANKTECHNIKAI SZOLGÁLTATÓ
KORLÁTOLT
FELELÕSSÉGÛ TÁRSASÁG
 
           
 
  By:   /s/ Erika Schalkhammer    
 
                Name: Erika Schalkhammer     Title: Managing Director/Country
Manager
 
                EURONET ADMINISZTRÁCIÓS SZOLGÁLTATÓ
KORLÁTOLT
FELELÕSSÉGÛ TÁRSASÁG
 
           
 
  By:   /s/ Va’Rady-Szabo Bence    
 
                Name: Bence Va’Rady-Szabo     Title: Managing Director, EEFT
Finance Director

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  EURONET PAY & TRANSACTION SERVICES S.R.L.
 
           
 
  By:   /s/ Giuseppe Di Marco    
 
                Name: Giuseppe Di Marco     Title: Managing Director
 
                E-PAY NEW ZEALAND LIMITED
 
           
 
  By:   /s/ Gareth Gumbley    
 
                Name: Gareth Gumbley     Title: Director, SVP
 
                EURONET TELERECARGA, S.L. SOCIEDAD UNIPERSONAL
 
           
 
  By:   /s/ Jesus Sanchez Rios    
 
                Name: Jesus Sanchez Rios     Title: Sole Administrator
 
                E-PAY LIMITED
 
           
 
  By:   /s/ A. JT Westlake    
 
                Name: Anthony JT Westlake     Title: Director
 
                RIA FINANCIAL SERVICES LIMITED
 
           
 
  By:   /s/ Marcela Gonzalez    
 
                Name: Marcela Gonzalez     Title: Director
 
                OMEGA LOGIC LIMITED
 
           
 
  By:   /s/ Jeff Newman    
 
                Name: Jeff Newman     Title: Director

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  EURONET ESSENTIS LIMITED
 
           
 
  By:   /s/ Antony Brown    
 
                Name: Antony Brown     Title: Director
 
                ENVIA TELECOMUNICACIONES, S.A.
 
           
 
  By:   /s/ Sebastian Plubins    
 
                Name: Sebastian Plubins     Title: General Director
 
                EURONET BUSINESS HOLDINGS S.L.
 
           
 
  By:   /s/ Jesus Sanchez Rios    
 
                Name: Jesus Sanchez Rios     Title: Sole Administrator
 
                RIA SPAIN HOLDINGS, S.L.
 
           
 
  By:   /s/ Sebastian Plubins    
 
                Name: Sebastian Plubins     Title: General Director
 
                BANKOMAT 24/EURONET SP.Z.O.O.
 
           
 
  By:   /s/ Marek Szafirski    
 
                Name: Marek Szafirski     Title: President
 
            INDIA BORROWER:   EURONET SERVICES INDIA PVT LTD.
 
           
 
  By:   /s/ Jeff Newman    
 
                Name: Jeff Newman     Title: Director

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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ADMINISTRATIVE AGENT
           
(FOR DOMESTIC LOAN
           
OBLIGATIONS AND
            F/X OBLIGATIONS):   BANK OF AMERICA, N.A.,     as Administrative
Agent
 
           
 
  By:   /s/ Michael Brashler    
 
                Name: Michael Brashler     Title: Vice President

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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ADMINISTRATIVE AGENT
            (FOR INDIA OBLIGATIONS):   BANK OF AMERICA, N.A., acting through its
Mumbai Branch, as Administrative Agent for all India related credit facilities
 
           
 
  By:   /s/ Uday Nair    
 
                Name: Uday Nair     Title: VP, Corporate Debt Products  
LENDERS:   BANK OF AMERICA, N.A.,     as Domestic L/C Issuer, F/X L/C Issuer,
Domestic Swingline Lender and as a Lender
 
           
 
  By:   /s/ Jeffrey P. Yoakum    
 
                Name: Jeffrey P. Yoakum     Title: Vice President

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  BANK OF AMERICA, N.A., acting through its Mumbai Branch, as
India Revolving Lender and India L/C Issuer
 
           
 
  By:   /s/ Uday Nair    
 
                Name: Uday Nair     Title: VP, Corporate Debt Products

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  BANK OF KANSAS CITY, N.A.
 
           
 
  By:   /s/ Matthew J. Mason    
 
                Name: Matthew J. Mason     Title: Vice President

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  CALIFORNIA BANK & TRUST, A CALIFORNIA BANKING CORPORATION
 
           
 
  By:   /s/ Ursula St. Geme    
 
                Name: Ursula St. Geme     Title: Vice President

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  CITIBANK, N.A.
 
           
 
  By:   /s/ Scott Miller    
 
                Name: Scott Miller     Title: Vice President

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  HARRINGTON BANK, A DIVISION OF LOS PADRES BANK
 
           
 
  By:   /s/ Gregory L. Sweeney    
 
                Name: Gregory L. Sweeney     Title: Sr. Vice President

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  KEYBANK NATIONAL ASSOCIATION
 
           
 
  By:   /s/ David A. Wild    
 
                Name: David A. Wild     Title: Vice President

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  LLOYDS TSB BANK PLC
 
           
 
  By:   /s/ Windsor R. Davies    
 
                Name: Windsor R. Davies     Title: Managing Director
 
           
 
  By:   /s/ Carlos E. Lopez    
 
                Name: Carlos E. Lopez     Title: Associate Director

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  NATIONAL CITY BANK
 
           
 
  By:   /s/ Michael Leong    
 
                Name: Michel Leong     Title: Vice President

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  U.S. BANK NATIONAL ASSOCIATION
 
           
 
  By:   /s/ Kari E. Niermann    
 
                Name: Kari E. Niermann     Title: Assistant Vice President

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  GENERAL ELECTRIC CAPITAL CORPORATION
 
           
 
  By:   /s/ Jeffrey Skinner    
 
                Name: Jeffrey Skinner     Title: Duly Authorized Signatory

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  STATE BANK OF INDIA
 
           
 
  By:   /s/ Prabodh Parikh    
 
                Name: Prabodh Parikh     Title: Vice President & Head (Credit)

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  ABCLO 2007-1, LTD.
 
           
 
  By:   /s/ Alliance Bernstein L.P., as manager    
 
                Name: Michael E. Sohr     Title: Senior Vie President

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  AIB DEBT MANAGEMENT LIMITED
 
           
 
  By:   /s/ Joseph Augustini    
 
                Name: Joseph Augustini     Title: Senior Vice President
Investment Advisor to
AIB Debt Management, Limited
 
           
 
  By:   /s/ Shane O’Driscoll    
 
                Name: Shane O’Driscoll     Title: Assistant Vice President
Investment Advisor to
AIB Debt Management, Limited

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  AMMC VIII, LIMITED
 
                By: American Money Management Corp., As Collateral Manager
 
           
 
  By:   /s/ Chester M. Eng    
 
                Name: Chester M. Eng     Title: Senior Vice President

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  ATLANTIS FUNDING LTD.
 
                By: INVESCO Senior Secured Management, Inc.
As Collateral Manager
 
           
 
  By:   /s/ Angela Gambardella    
 
                Name: Angela Gambardella     Title: Authorized Signatory

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  ARTUS LOAN FUND 2007-1, LTD.
BABSON CLO LTD. 2008-II     By: Babson Capital Management LLC as Collateral
Manager
 
           
 
  By:   /s/ Arthur McMahon    
 
                Name: Arthur McMahon     Title: Director
 
                VINASCA CLO, LTD.     By: Babson Capital Management LLC as
Collateral
Servicer
 
           
 
  By:   /s/ Arthur McMahon    
 
                Name: Arthur McMahon     Title: Director

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  BAKER STREET FUNDING CLO 2005-I LTD.     By: Seix Investment
Advisors LLC, as
Collateral Manager
 
                BAKER STREET CLO II LTD.     By: Seix Investment Advisors LLC,
as
Collateral Manager
 
                GRAND HORN CLO LTD.     By: Seix Investment Advisors LLC, as
Collateral Manager
 
           
 
  By:   /s/ George Goudelias    
 
                Name: George Goudelias     Title: Managing Director

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  CAVALRY CLO I, LTD.     By: Regiment Capital Management, LLC
As its Investment Advisor
 
                By: Regiment Capital Advisors, LP its Manager and pursuant to
delegated authority
 
                By: Regiment Capital Advisors, LLC
its General Partner
 
           
 
  By:   /s/ Mark A. Brostowski    
 
                Name: Mark A. Brostowski     Title: Authorized Signatory

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  CIFC FUNDING 2007 - III, LTD.
 
           
 
  By:   /s/ Nga Tran    
 
                Name: Nga Tran     Title: Head of Institutional Relationships

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  COLUMBUSNOVA CLO LTD. 2007-I       COLUMBUSNOVA CLO IV LTD.
2007-II
 
           
 
  By:   /s/ Benjamin Peterson    
 
                Name: Benjamin Peterson     Title: Associate Director

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  CONFLUENT 3 LIMITED     By: Morgan Stanley Investment
Management Inc.
As Investment Manager
 
                MORGAN STANLEY INVESTMENT
MANAGEMENT CROTON, LTD.     By: Morgan Stanley Investment Management Inc. as
Collateral Manager
 
                MSIM PECONIC BAY, LTD.     By: Morgan Stanley Investment
Management Inc. as
Interim Collateral Manager
 
                QUALCOMM GLOBAL TRADING, INC.     By: Morgan Stanley Investment
Management Inc. as
Investment Manager
 
                ZODIAC FUND - MORGAN STANLEY US
SENIOR LOAN FUND     By: Morgan Stanley Investment Management Inc. as
Investment Manager
 
           
 
  By:   /s/ John Hayes    
 
                Name: John Hayes     Title: Executive Director

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  CORNERSTONE CLO LTD.     By: Stone Tower Debt Advisors LLC,
As its Collateral Manager
 
                GRANITE VENTURES I LTD.     By: Stone Tower Debt Advisors LLC,
As its Collateral Manager
 
                RAMPART CLO 2006-1 LTD.     By: Stone Tower Debt Advisors LLC,
As its Collateral Manager
 
                RAMPART CLO 2007 LTD.     By: Stone Tower Debt Advisors LLC,
As its Collateral Manager
 
                STONE TOWER CLO III LTD.     By: Stone Tower Debt Advisors LLC,
As its Collateral Manager
 
                STONE TOWER CLO IV LTD.     By: Stone Tower Debt Advisors LLC,
As its Collateral Manager
 
                STONE TOWER CLO V LTD.     By: Stone Tower Debt Advisors LLC,
As its Collateral Manager
 
                STONE TOWER CLO VI LTD.     By: Stone Tower Debt Advisors LLC,
As its Collateral Manager
 
                STONE TOWER CLO VII LTD.     By: Stone Tower Debt Advisors LLC,
As its Collateral Manager
 
           
 
  By:   /s/ Michael W. DelPercio    
 
                Name: Michael W. DelPercio     Title: Authorized Signatory

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  DRYDEN XVIII LEVERAGED LOAN 2007 LTD.     By: Prudential
Investment Management, Inc. as Collateral Manager
 
                DRYDEN XI — LEVERAGED LOAN CDO 2006     By: Prudential
Investment Management, Inc. as Collateral Manager
 
           
 
  By:   /s/ Stephen J. Collins    
 
                Name: Stephen J. Collins     Title: VP

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  EAGLE MASTER FUND LTD.     By: Citigroup Alternative
Investments LLC,
As Investment Manager for and on behalf of
Eagle Master Fund Ltd.
 
                REGATTA FUNDING LTD.     By: Citigroup Alternative Investments
LLC,
Attorney-in-fact
 
           
 
  By:   /s/ Robert O’Brien    
 
                Name: Robert O’Brien     Title: VP

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  GALAXY IV CLO, LTD.     By: AIG Global Investment Corp.
Its Collateral Manager
 
                GALAXY V CLO, LTD.     By: AIG Global Investment Corp.
Its Collateral Manager
 
                GALAXY VIII CLO, LTD.     By: AIG Global Investment Corp.    
Its Collateral Manager
 
                SATURN CLO, LTD.     By: AIG Global Investment Corp.
As Collateral Manager
 
                AMERICAN INTERNATIONAL GROUP, INC.     By: AIG Global Investment
Corp.     Its Investment Advisor
 
           
 
  By:   /s/ Chang W. Chung    
 
                Name: Chang W. Chung     Title: Vice President

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  GOLDMAN SACHS ASSET MANAGEMENT CLO,
PUBLIC LIMITED COMPANY     By: Goldman Sachs Asset Manager, L.P., as Manager
 
           
 
  By:   /s/ John Mack    
 
                Name: John Mack     Title: Vice President

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  GULF STREAM-COMPASS CLO 2005-II LTD.     By: Gulf Stream Asset
Management LLC.
As Collateral Manager
 
                GULF STREAM-COMPASS CLO 2007 LTD.     By: Gulf Stream Asset
Management LLC.
As Collateral Manager
 
           
 
  By:   /s/ Barry Love    
 
                Name: Barry Love     Title: Chief Credit Officer

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  KINGSLAND V, LTD.     By: Kingsland Capital Management, LLC.
As Manager
 
           
 
  By:   /s/ Joyce C. DeLucca    
 
                Name: Joyce C. DeLucca     Title: Authorized Officer

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  FEINGOLD O’KEEFFE CAPITAL, LLC
As Collateral Manager for     Lime Street CLO, Ltd.
 
           
 
  By:   /s/ Scott D’Orsi    
 
                Name: Scott D’Orsi     Title: Portfolio Manager

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  MOUNTAIN CAPITAL CLO III LTD.
 
                MOUNTAIN CAPITAL CLO VI LTD.
 
           
 
  By:   /s/ Candace Ebanks    
 
                Name: Candace Ebanks     Title: Director

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  OCTAGON INVESTMENT PARTNERS V, LTD.     By: OCTAGON CREDIT
INVESTORS, LLC     AS PORTFOLIO MANAGER
 
                OCTAGON INVESTMENT PARTNERS VI, LTD.     By: OCTAGON CREDIT
INVESTORS, LLC     AS COLLATERAL MANAGER
 
                OCTAGON INVESTMENT PARTNERS VII, LTD.     By: OCTAGON CREDIT
INVESTORS, LLC     AS COLLATERAL MANAGER
 
                OCTAGON INVESTMENT PARTNERS VIII, LTD.     By: OCTAGON CREDIT
INVESTORS, LLC     AS COLLATERAL MANAGER
 
                OCTAGON INVESTMENT PARTNERS XI, LTD.     By: OCTAGON CREDIT
INVESTORS, LLC     AS COLLATERAL MANAGER
 
                HAMLET II, LTD.     By: OCTAGON CREDIT INVESTORS, LLC     AS
PORTFOLIO MANAGER
 
           
 
  By:   /s/ Margaret B. Harvey    
 
                Name: Margaret B. Harvey     Title: Senior Director

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  PPM GRAYHAWK CLO, LTD.     By: PPM AMERICA, INC., AS
COLLATERAL MANAGER
 
           
 
  By:   /s/ David C. Wagner    
 
                Name: David C. Wagner     Title: Managing Director

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  ROSEDALE CLO II LTD.     By: Princeton Advisory Group, Inc.  
  The Collateral Manager
 
           
 
  By:   /s/ Troy Isaksen    
 
                Name: Troy Isaksen     Title: Sr. Credit Analyst

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  THE SUMITOMO TRUST & BANKING CO., LTD.
NEW YORK BRANCH
 
           
 
  By:   /s/ Frances E. Wynne    
 
                Name: Frances E. Wynne     Title: Senior Director

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  TRALEE CDO I, LTD.     By: Par-Four Investment Management, LLC
As Collateral Manager
 
           
 
  By:   /s/ Edward Labrenz    
 
                Name: Edward Labrenz     Title: Authorized Signatory

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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                  WHITEHORSE V, LTD.     By: Whitehorse Capital Partners, L.P.
As Collateral Manager     By: WhiteRock Asset Advisor, L.L.C., its G.P.
 
           
 
  By:   /s/ Ethan Underwood    
 
                Name: Ethan Underwood     Title: Manager

EURONET WORLDWIDE, INC.
AMENDMENT NO. 2

 

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Schedule 1(b)
Intellectual Property

                                  U.S. Patents (as of 2/5/09) Patent   Serial
No.   Recorded Date   Inventors   PCT filed  
Methods and Systems for Transferring Funds
    6,736,314     18-May 2004           18-May 2004

License Agreements:
(1) License Agreement, entered into on June 30, 2004 between TGIP, Inc., a Texas
corporation and Call Processing, Inc., to use U.S. Patent Nos. 5,511,114;
5,577,109; 5,721,768 and 6,502,745.  
(2) PaySpot, Inc., a Delaware corporation, entered into a License Agreement with
EWI Holdings, Inc., a Delaware corporation and unaffiliated third party, dated
as of January 30, 2007 whereby PaySpot was granted a license by EWI Holdings,
Inc. to use US Patent No. 6,526,130 and US Patent Application No. 10/316603.

 

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Schedule 1(b)

Foreign Patents (as of 2/5/09)
Euronet Foreign Patents and Applications
In the name of Euronet Worldwide Inc.
“Multifunctional Mobile Banking System”
Filed 5th March 2001 as international application no. PCT/US01/06922
(publication no. WO 02/07320)
Claiming priority date of 8th August 2000 from US application no. 09/634984
Page White & Farrer ref. 307571

          Country   Application No.   Patent No.
Australia
  2001241977   2001241977
Canada
  2418991    
China
  1817033.1    
Czech Republic
  2003-1107    
European Patent
  1913300.8    
Hong Kong
  3105586.6    
Croatia
  P20030164A    
Hungary
  P0301709    
Indonesia
  W00200300240    
India
  130/MUMNP/2003    
New Zealand
  523880   523880
Poland
  P365196    
Serbia
  P-92/03    

“Financial Transaction system”
Filed 5th March 2001 as international application no. PCT/US01/06965
(publication no. WO 02/021416)
Claiming priorty date of 7th September 2000 from US application no. 09/657478
Page White & Farrer ref. 307572

          Country   Application No.   Patent No.
Australia
  2001245430   2001245430
Canada
  2421308    
China
  1818516.9    

 

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          Country   Application No.   Patent No.
Czech Republic
  2003-1131    
European Patent
  1918342.5    
Hong Kong
  3109454.7    
Croatia
  P20030254A    
Hungary
  P0302122    
Indonesia
  W00200300478    
India
  249/MUMNP/2003    
New Zealand
  524435   524435
Poland
  P365173    
Serbia
  P-173/03    

“System and Method for Purchasing Goods and Services through Financial Data
Network Access Points”
Filed 6th February 2001 as international application no. PCT/US01/40024
(publication no. WO 02/027629)
Claiming priority date of 28th September 2000 from US application no. 09/670826
Page White & Farrer ref. 307573

          Country   Application No.   Patent No.
Australia
  2001247953   2001247953
Canada
  2424037    
China
  1819540.7    
Czech Republic
  2003-1053    
European Patent
  1920951.9    
Hong Kong
  4100232.4    
Croatia
  P20030325A    
Hungary
  P0302552    
Indonesia
  W00200300639    
India
  341/MUMNP/2003    
New Zealand
  546571   546571
Poland
  P366045    
Serbia
  P-237/03    

“System and Method for Purchasing Goods and Services through Financial Data
Network Access Points over a Point of Sale Network”
Filed 14th March 2003 as international application no. PCT/US03/07988
(publication no. WO 03/079159)
Claiming priority date of 14th March 2002 from US application no. 60/363884
Page White & Farrer ref. 306877

 

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          Country   Application No.   Patent No.
Australia
  2003218178    
Canada
  2479179    
China
  3808393    
European Patent
  3714169.4    
Hong Kong
  5102043.8    
Croatia
  P20040957A    
Indonesia
  W-00200401972    
India
  2304/CHENP/2004    
New Zealand
  546789   546789
Poland
  P-373282    
Serbia
  P-901/04    
Russian Federation
  2004130461   2323477
South Africa
  2004/7341   2004/7341