Dear Banker,

We at AFS have the pleasure of inviting you to attend a one-day seminar on EMV Card Personalization at the Four Seasons Hotel, Doha, on Tuesday, June 13, 2006.

AFS is the region’s leading provider of electronic-payments and consumer finance-outsourcing services. With our flexible and cost efficient solutions, we have been able to provide quick to market implementations for over 50 top banks in the region.

We are now certified by MasterCard & Visa to enable banks to meet their EMV Compliance requirements, by way of optimum cost efficiency and prompt implementation. We would like to share our experience with you by way of providing an interactive platform through the seminar on how you can manage outsourcing your Bankcard personalization to a reliable third party provider.

EMV Card Personalization will enable medium-sized banks to migrate easily and cost-effectively to Smart Card technology. The jointly developed ‘EMV Easy’ solution will bring these banks in line with systems already being used by the world’s largest financial institutions and with the global Europay, MasterCard and Visa (EMV) standards set down by the card associations.

Through this new solution, banks can reduce the growing risks in counterfeit fraud, generate new revenue and avoid the industry’s penalties for not migrating – quickly, easily and at a lower cost than any other solution available today.

Join us, with the AFS Business Development team, representatives of Euronet Middle East and MasterCard to learn more about AFS’ implementation programs, strategic AFS compliant products, and to participate in an interactive Question & Answer session with the experts!

Seminar participants will:

• Receive a business and high level technical overview of AFS’ current activities and the new challenges ahead for the Smart Card industry
• Learn about the EMV Card Personalization
• Learn about AFS’ real-life implementations of Smart Card technology in the regional banking industry.
• Gain technical knowledge on current AFS compliant products and services from personalizing the EMV chip Bankcard, ATM & POS switching and transaction processing to Card processing services
• Understand Smart Card brand strategies from the experts - MasterCard
• Meet the AFS Business Development member, Mr. Martin Williamson, Head of Business Development and Mr. Ismail Fareed, ENME (Senior Manager Business Development)