CREDIT EUROPE BANK (ROMANIA) S.A.

Each step, each client and banking operation brought us closer to an important milestone in our career: we have recently celebrated 29 years of activity on the Romanian market. We were present on the financial market ever since 1993, as Banca de Credit Industrial si Comercial. In 2000 we rebranded ourselves as Finansbank, to later become - in 2007 - Credit Europe Bank. In Romania we provide a broad range of products and services for approximately 500.000 individuals, SME's and companies, across a network of 24 branches, agencies and work points, as well as through alternative distribution channels: ATM's, POS's, Internet and Phone Banking. We grew up, improved ourselves and irrespective of our name we had a single aim: to offer banking products and services that best match our clients' needs. For this purpose, whether for SME's, large companies or individuals, we had put at work new banking models, novel technologies as well as the will to be of assistance, to keep close to our clients and their businesses. As part of the Dutch financial Group Credit Europe NV we strive to provide experience, competence and innovation - as the true recognition of our products and services' value is given by those who use them. This recognition is also enjoyed by CardAvantaj, a name that bears a special significance for us. This brand introduced, for the first time in Romania, a payment instrument with zero interest rate, easy to understand, easy to use. Since its introduction on the market, CardAvantaj made over 300,000 friends, clients that made good use of it, finding the best solutions within a network of tens of thousands of merchant partners - the most extensive in Romania. During all this time CardAvantaj did its outmost to fulfill the promise made to clients, by continuously providing innovative features and benefits. There are new ideas to come; we are preparing fresh new projects - stay close to us!