Euronet Services, Inc.
Ticker:EEFT Zsigmond Ter 10
Exchange:NASDAQ-National Market Budapest, HUNGA H-1023
Industry:Service (SIC Code 6099)

Offering Information
Type of Shares:Common Shares Filing Date:12/18/96
U.S. Shares:5,300,000 Offer Date:3/6/97
Non-U.S. Shares:0 Filing Range:$12.00 - $14.00
Primary Shares:3,038,650 Offer Price:$13.50
Secondary Shares:2,261,350 Gross Spread:$0.68
Offering Amount: $68,900,000 Selling:$0.41
Expenses:$1,255,000 Reallowance:$0.10
Shares Out After:14,440,068

Primary Underwriting Group
ManagerTierPhone
ING Baring (U.S.) Securities, Inc.Lead Manager (212) 409-7900
Arnhold and S. Bleichroeder, Inc.Co-manager (212) 698-3105
Nomura Securities International Inc.Co-manager (212) 667-2460

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Shearman & Sterling
Bank's Law Firm: Arent, Fox, Kitner, Plotkin & Kahn
Auditor: KPMG Accountants N.V.
Registrar/Transfer Agent: State Street Bank and Trust Company

Selected Financial Data

Dollar amounts in U.S. millions except for per share data
Full Year
Audited
Income
Latest
Unaudited
Income
Prior
Unaudited
Income
Balance
Sheet
12/31/96 12/31/96
Revenue:$1.26Assets:$11.93
Net Income:-$7.58Curr Assets:
EPS:-$0.55Liabilities:$6.80
Prior EPS:Curr Liabilities:
Cash Flow/Oper:-$2.25Equity:$5.14
Cash Flow/Fin:Cash:
Cash Flow/Inv:

Business Description
The company operates the only independent, non-bank owned automatic teller machine network in Central Europe, as a service provider to banks and other financial institutions. The company was established in 1994 and currently operates a network of 175 state-of-the-art ATMs, 130 of which are located in Hungary and 35 of which are located in Poland. Through agreements and relationships local banks and international card issuers and ATM networks such as American Express, VISA, Plus, Mastercard, Europay and Cirrus Euronet's ATMs are able to process ATM transactions for holders of credit and debit cards issued by or bearing the logo of such banks and International Card Organizations. The company receives a fee from the card issuing banks or International Card Organizations for all ATM transactions processed on its ATMs. The company also offers outsourced ATM management services to local banks that own proprietary ATM networks for which the company also receives fees on a per transaction basis as well as a monthly basis.

Competition
Competitive factors in the company's business are network availability and response time, price, ATM location and access to other networks. Principal competitors of the company include ATM networks owned by banks and regional networks consisting of consortiums of banks.

Business Plan
The company's strategy, for the short term, is to become the leading low-cost ATM service provider in Central Europe meeting standards of reliability and customer service and, for the medium term, to become a leading provider of a broader range of electronic fund transfer services in the region. The key elements of Euronet's strategy are as follows: 1) expanding its ATM network in Hungary, Poland and other Central European markets; 2) forming strategic relationships with banks and international card organizations; 3) expanding the range of services offered; 4) expanding ATM network management services.

Use of Proceeds
The proceeds from the proposed offering will be used implement the company's strategy of expanding its independent ATM network in Hungary, Poland, Germany and other Central European markets and for general corporate purposes.

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