Advanzia Bank S.A.

Advanzia Bank S.A. is a modern European financial service provider seated in Luxembourg and specialises in the direct banking of simple and straightforward products. In addition to the Gebührenfrei MasterCard Gold credit card with a MasterCard licence for Germany and Luxembourg, they currently offer a call account ("Advanziakonto").

Advanzia started operations in May 2006 and was granted a banking licence at the end of 2005. Currently, Advanzia Bank S.A. has an equity capital of about EUR 24 million (as at March 2007).

In the medium and long run, the payment market of the EU must develop into a market of free and fair competition. As a result, the charges for financial services within the EU could reduce considerably and consumer protection increase on the basis of common standards. Their maxim for all products and transactions is the combination of transparency, simplicity and trust.

Accordingly, they share the vision of the European Commission of a Single Euro Payments Area, which would enable consumers anywhere in the European Union to "pay as if at home" . The Commission demands "easy, inexpensive and quick payments" - with the Gebührenfrei MasterCard Gold, Advanzia Bank S.A. as a modern financial service provider takes a step in the right direction.

Their vision is to provide the consumer with a transparent, cost-efficient and easy method of payment within the Euro zone that offers the same advantages at home as abroad.