Respectfully addressed to our merchants. Thank you very much for being with us this year. It's the time of the year to share the joyfulness of Christmas and the holiday spirit with others. We wish you and your family the very best for the holiday season and a year of good health, happiness and prosperity.

We, OnePAY, are proud of leading online card payment gateway in Vietnam continuously with the largest number of merchants. And of course almost e-commerce transactions in Vietnam have been processed by OnePAY during the year. The year 2009 is also the significant year that OnePAY have achieved many important targets to serve your e-commerce business activities.

At the beginning of the year, the Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank) was the first bank to accept online payment with the local debit card Vietcombank Connect24. So far, Vietinbank and Techcombank have also timely turned on online payment functions for their cards through OnePAY’s payment gateway. With the target of providing Online Payment Service to 95% of Vietnamese local debit cards by end of 2010, OnePAY will provide the service to cards of DongAbank, Military bank, VIB bank, and Tienphong bank in the first quarter and others by end of the year.

Besides being the representative of MasterCard Internet Payment Service in Vietnam, it is our pleasure to announce that OnePAY have been selected as the official representative of Visa Processing in Vietnam. With technology and experience of the two largest international card organizations, banks and enterprises in Vietnam will obtain the better solutions to be successful in business.

A fiscal year has gone through, we would very much like to get together with you and explore further opportunities of economic recovery for 2010. Once again, we wish you and your family the very best for a happy holiday and a wonderful 2010.

Le Huy Tuong
Director - OnePAY JSC