Established in 1999, AirVoice Wireless (www.airvoicewireless.com) is currently on the fast track to becoming a leading provider of nationwide prepaid cellular services and associated products. Presently, they offer services in 11 states including Florida, California, Arizona, Nevada and Michigan and are expanding its network into other markets that offer significant growth opportunities. ALLTEL (www.alltel.com) is a customer-focused communications company with more than 12 million customers and nearly $8 billion in annual revenues. ALLTEL provides wireless, local telephone, long-distance, Internet and high-speed data services to residential and business customers in 26 states. American Express Company (www.americanexpress.com) is a diversified worldwide travel, financial and network services company founded in 1850. It is a world leader in charge and credit cards, Travelers Cheques, travel, financial planning, business services, insurance and international banking. Americatel (www.123.com) is owned and operated by ENTEL CHILE, S.A., the largest long distance, wireless and Internet company in Chile. Americatel is a leading Hispanic telecommunications company serving governments, multinational corporations and has served more than two million residential long-distance customers in the United States. AT&T Wireless (NYSE: AWE – www.attwireless.com) operates one of the largest digital networks in North America. With more that 15.7 million consolidated subscribers, and full-year 2000 revenues exceeding $10 billion, AT&T Wireless is committed to being among the first to deliver the next generation of wireless products and services. AT&T Wireless Customer Advantage is their commitment to ensure that customers have the right equipment, the right calling plan, and the right customer service options, today and tomorrow. Cingular Wireless (www.cingular.com) is the second largest wireless carrier in the US, and is dedicated to self-expression and customer-friendly service. As a leader in mobile voice and data communications, Cingular currently serves more than 20 million customer nationwide. Cingular offers customers advanced technologies in simple, cost-effective was that permit them to tap the creative potential of wireless through their own self-expression. Cingular is a joint venture between the wireless divisions of SBC (NYSE: SBC – www.sbc.com) and BellSouth (NYSE: BLS – www.bellsouth.com). CIT Group Inc. (NYSE: CIT – www.cit.com) is a leading commercial and consumer finance company, providing clients with financing and leasing products and advisory services. Founded in 1908, CIT has nearly $50 billion in assets under management and possesses the financial resources, industry expertise and product knowledge to serve the needs of clients across approximately 30 industries. CIT holds leading positions in vendor financing, U.S. factoring, equipment and transportation financing, Small Business Administration loans, and asset-based and credit-secured lending. CIT, with its principal offices in New York City and Livingston, New Jersey has approximately 6,000 employees in locations throughout North America, Europe, Latin and South America, and the Pacific Rim. Codetel International Comm (www.codetel.com.do), the carrier and prepaid division of Codetel in the United States, specializes in ethnic communities throughout the country. Codetel has been owned and operated by Verizon for more than 70 years. Codetel provides local, wireless and national and international long distance telephone service in the Dominican Republic. Codetel has connectivity with carriers all over the world, maintaining strong relationships with the Latin American countries, which makes them leaders for traffic termination in the Caribbean Hemisphere. Dancris Telecom (www.dancris.com) is a leading facilities-based international carrier that provides a broad range of telecommunication services designed to meet the unique needs of wholesale and retail customers worldwide, including Prepaid Calling Cards (PPCC), retail and wholesale long distance communications, Operator Services, International Operations, and Internet services. Diners Club (www.dinersclubus.com), the first multi-use charge card, is issued in more countries and currencies than any other charge card. The Card serves more than 8 million Card members worldwide, who in 2000, charged $US 35 billion at 6 million establishments that welcome Diners Club. Discover Financial Services (www.discovercard.com), a business unit of Morgan Stanley & Co. (NYSE:MWD), operates the Discover® Card brands. They offer a variety of cards to meet the needs of individual Cardmembers, including the Discover Classic Card, the Discover Gold Card, the Discover Platinum Card and an array of affinity cards. Additional services include Discover CDs and Money Market Accounts, auto insurance and home loans. Fifth Third Bancorp (NASDAQ: FITB – www.53.com) is a diversified financial services company headquartered in Cincinnati, Ohio. The Company has $81 billion in assets, operates 17 affiliate banks with 931 full-service Banking Centers. Fifth Third Bank processed 8.2 billion ATM and POS transactions in 2002 for more than 180,000 retail locations and financial institutions worldwide, including The Kroger Co., Abercrombie & Fitch, Nordstrom, Inc. and The Finish Line. Fifth Third Merchant Services processes $80 billion in credit card sales annually. Fifth Third Bank has recently moved from the eighth largest bank acquirer to the fifth largest bank acquirer according to The Nilson Report (February, 2002). First Data Corp. (NYSE: FDC - www.firstdata.com), with global headquarters in Denver, helps power the global economy. As a leader in electronic commerce and payment services, First Data serves approximately 2.8 million merchant locations, 1,400 card issuers and millions of consumers, making it easy, fast and secure for people and businesses to buy goods and service using virtually any form of payment. With 28,000 employees worldwide, the company provides credit, debit, smart card and stored-value card issuing and merchant transaction processing services; Internet commerce solutions; money transfer services; money orders; and check processing and verification services throughout the United States. First Data also offers a variety of payment services in the United Kingdom, Australia, Canada, Japan, Mexico, Spain, the Netherlands, the Middle East and Germany. It’s Western Union and Orlandi Valuta money transfer networks include a total of approximately 135,000 Agent locations in more than 190 countries and territories. Global Payments (www.globalpaymentsinc.com), a world leader in electronic payment services, offers a comprehensive range of check payment solutions that meets customer’s needs for affordability and effectiveness. Hargray Communications Group formed Hargray Wireless (www.hargraywireless.com), the newest division in its total telecommunications services in 1998. Currently, Hargray provides wireless services in three South Carolina counties and sixteen counties in Georgia. Hypercom Corporation (NYSE:HYC – www.hypercom.com) is the world’s #1 provider of electronic payment solutions that add value at the point-of-sale for consumers, merchants, and acquirers. Hypercom’s products include secure card payment terminals and web appliances, networking equipment, and software applications for e-commerce, m-commerce, smart cards, and traditional payment applications. Headquartered in Phoenix, Arizona, Hypercom maintains an installed base of more than 4 million card payment terminals, which operate seamlessly with the products of its Network Systems Division. These solutions are installed in over 100 countries and conduct more than 2.85 billion transactions annually. IDT (NYSE: IDT, IDT.B – www.idt.net) is a leading facilities-based, multinational carrier that provides a broad range of telecommunications services to its wholesale and retail customers worldwide. Through its own national telecommunications backbone and fiber optic network infrastructure, IDT provides its customers with integrated and competitively priced international and domestic long distance telephony and prepaid calling cards. ITXC Corp. (NASDAQ: ITXC - www.itxc.com is one of the world's leading carriers based on minutes of international traffic carried. As a carriers' carrier, ITXC serves all major carriers in the US; many incumbent carriers worldwide including China Telecom, PLDT, Telkom South Africa, Telecom Colombia, Telenor, Telia, and VSNL; and emerging and competitive carriers including COTAS-Teledata in Bolivia, Vietel in Vietnam and Data Access in India. ITXC also serves a growing number of mobile carriers including China Mobile, one of the world's largest mobile carriers. ITXC is the global market share leader in VoIP international calling with approximately 20% of the market, according to TeleGeography 2003. ITXC is also the Fastest Growing Technology Company in North America according to the 2002 Deloitte & Touche Technology Fast 500 ranking. i-wireless is Cincinnati Bell’s prepaid wireless product offering, Cincinnati Bell is a wholly owned subsidiary of Broadwing Inc. (NYSE: BRW – www.cincinnatibell.com), one of the nation’s most respected and best performing local exchange and wireless providers with a legacy of unparalleled customer service excellence and financial strength. Cincinnati. MasterCard International (www.mastercard.com) is a global payments company with one of the most recognized and respected brands in the world. They manage a full range of payment programs and services, including MasterCard® credit cards, MasterCard® debit cards, Maestro® online debit cards, Cirrus® ATM cash access, and related programs. Multiphone (www.multiphone.net) was founded in 1999 when RM Grupo C.A, a leading Venezuelan IT company, and Multiphone, one of Colombia's top ISPs and a long established company offering telephony and Internet service, merged to create an IT service company that focused on telecommunications. Through the use of latest communications technology, Multiphone provides individual and corporate customers with international long distance telephone services. Its wide range of products and services include pre-paid and post-paid international long distance calling solutions and subscription services to meet the needs of the residential and corporate markets. In early 2000, Omni Prepaid (www.omniprepaid.com) successfully launched its own prepaid brand, Loco, which is currently being distributed throughout Atlanta, Baltimore and Washington DC with plans to develop nationwide distribution. PRIMUS Telecommunications Group, Incorporated(www.primustel.com) is a global facilities-based Total Service Provider offering bundled voice, data, Internet, digital subscriber line (DSL), Web hosting, enhanced application, virtual private network (VPN), and other value-added services. PRIMUS owns and operates an extensive global backbone network of owned and leased transmission facilities, including over 300 IP points-of-presence (POPs) throughout the world, ownership interests in over 23 undersea fiber optic cable systems, 19 international gateway and domestic switches, a satellite earth station and a variety of operating relationships that allow it to deliver traffic worldwide. PRIMUS has been expanding its e-commerce and Internet capabilities with the deployment of a global state-of-the-art broadband fiber optic ATM+IP network. Founded in 1994 and based in McLean, VA, PRIMUS serves corporate, small- and medium-sized businesses, residential and data, ISP and telecommunication carrier customers primarily located in the North America, Europe and Asia Pacific regions of the world. For more information visit www.primustel.com. T-Mobile (www.t-mobile.com) a member of T-Mobile International Group, The mobile telecommunications subsidiary of Deutsche Telekom (NYSE: DT). Deutsche Telekom's subsidiaries and affiliated companies provide wireless services to more than 69 million customers worldwide, ranking it among the top three global wireless carriers in the world. T-Mobile is the first trans-Atlantic mobile communications provider to utilize the digital GSM wireless technology standard, giving customers the choice of using the same phone and number when traveling internationally. TracFone Wireless Inc., an affiliate of América Móvil (NYSE: AMX, NASDQ: AMOV – www.tracfone.com), is the only prepaid wireless service that offers complete coverage in every city in the United States. TracFone Wireless provides off-the-shelf, prepaid wireless service with no contracts, credit checks, monthly bills, activation fees, security deposits or minimum age requirements. TracFone Wireless, based in Miami, Florida, sells the TracFone service, a pay-as-you-go wireless phone service, which incorporates a customer-friendly, cost-control feature that displays the exact remaining airtime balance on the phone. TracFone Wireless has licensing agreements to imbed its proprietary prepaid technology in Nokia and Motorola handsets. Tricom (www.tricom.net) is a leading integrated communications service provider in the Caribbean region, with facilities based long-distance operations in the United States and Puerto Rico. Through a completely digital local access network in the Dominican Republic and cellular and PCS networks covering 80% of the population, we offer local, long distance, mobile, Internet and broadband data transmission services. Our extensive investments in regional submarine fiber optic cable systems strategically position us to expand into highly attractive markets in Central America and the Caribbean. Union Telecard Alliance (www.uniontelecard.com) is one of the prepaid industry’s largest distributors of prepaid calling cards with sales of over $400 million per year. Carrying over 125 brands of calling cards including Megatel, Metropolis, Colombianita, Dominicall, Mega Mexico and many more. All long distance services are provided by IDT Corporation, whose telecommunications platform and network is on the cutting edge of technology, providing crisp, and clear connections at a fraction of normal costs. Verizon Communications (NYSE: VZ – www.verizon.com), formed by the merger of Bell Atlantic and GTE, is one of the world's leading providers of high-growth communications services. Verizon companies are the largest providers of wireline and wireless communications in the United States, with nearly 134 million access line equivalents and over 29 million wireless customers. Visa (www.visa.com) cards are the world's most widely used form of "plastic" payment. As of December 2000, more than $1.8 trillion in products and services were purchased using Visa cards, and Visa's worldwide market share, at 60 percent, was greater than that of all other major payment cards combined. There are more than 1 billion Visa, Visa Electron, Interlink, PLUS, and Visa Cash cards in the market today. Visa-branded cards are accepted at more than 25 million locations in 137 countries, making Visa the closest thing there is to a universal currency.