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The rolling reserve is implemented due to a growth problem.
We gave our acquirers and MasterCard a forecast of X Mil EUR per year 2010, and we have processed for X*10 Mil EUR YTD. We agreed on a fixed reserve but our growth made them change that. Now we are discussing a new (higher) fixed reserve as described, but we dont know the outcome of that yet.
We also feel that it is good for both our clients and us to have a reserve for any penalties that might come one day. We are not the type of businessmen that close down the shop for a reason like that.
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