Monext, Oney Portugal's Trustworthy Partner for Managing the Retail Cards of the Group's Related Companies

AIX EN PROVENCE, France, January 12 - Oney Portugal manages retail cards and credit reserves for Jumbo,
Décathlon, Aki, Leroy Merlin, Norauto, all companies established in this
country, thus representing over 500,000 customers.

For almost 5 years, Oney Portugal has relied on a solution specifically
developed by Monext covering all aspects of payment card management: from the
application and enrolment process, management, and collection, to managing
transactions and all related credit authorisations. Monext is continually
developing this range of services enabling Oney Portugal to launch new
products and services.

The solution devised by Monext enables Oney Portugal to offer real-time
personalised payment offers which can vary according to customers' individual
profiles and depending on changes in their financial situation. By way of
example, offers advertised on customer statements vary from one customer to
the next depending on their particular circumstances.

Additionally, Monext provides Opey's staff with a collection system which
can independently deal with the first outstanding balances using a decision
engine adapted to Oney Portugal's client strategy. The agents in charge of
amicable collection services can use this system to optimise their daily
transactions.

Nicolas Dreyfus, Managing Director of Oney Portugal comments: "In an
increasingly dynamic environment where being pro-active, reactive, and
flexible have become daily challenges, Monext and Oney Portugal are working
hand in hand to assure the growth and quality of our operations. We
appreciate Monext's collaboration in sharing their success with us for the
growth of our operations. The consequences of having a team totally dedicated
to our project means we can move forward positively with our expansion
strategy in Europe alongside Monext."

Philippe David, head of banking and payment solutions at Monext added:
"We're happy to work with Oney Portugal on a day to day basis and to provide
them with use of our card and payment management and charge accounts
solution."

About BANQUE ACCORD - ONEY

Banque Accord-Oney is a subsidiary of the Auchan Group, specialising in
consumer credit, e-banking, and payment card management, and is built on a
close relationship with its 6 million customers throughout Europe, 3 million
of whom are in France. The total amount of transactions processed with cards
managed by the bank represented more than 7.4 billion Euros in 2007. The
group employs 1,700 people in Europe (Lille, Tours, Warsaw, Lisbon, Madrid,
Milan, Budapest, and Bucharest), Kiev, Moscow, and Shanghai.

To find out more, visit www.banque-accord.com.

About Monext

With almost 5 million bank cards, 3 million travel cards, and 3 million
retail cards (petrol and retailing), operated by 400 associates on a daily
basis, and with more than 550 million registered transactions, MONEXT is a
major player in electronic payments in France. Its mission is to facilitate
electronic payment transactions, with or without cards, at points of sales
systems, online or via mobile phone, in a secure, reliable, and instant
manner.

MONEXT, which develops innovative solutions for its banking, retail, and
commercial clients, aims to triple its annual sales figures during the next
three years, through internal and external growth, and by establishing itself
as one of the leaders within a strong growth sector in Europe.

For further information: www.monext.fr

Monext press contact: Solange Stricker / Finincom, Christina Bel, +33-01-40-71-32-74, c.bel at f2scom.com; Romain Sulpice, +33-01-40-71-32-75, r.sulpice at f2scom.com