The UNICOPAY principals were Caisse National de Crédit Agricole-Indosuez, France; Istituto Centrale delle Banche di Credito Cooperativo, Italy; KBC Bank (formerly CERA), Belgium; Lloyds TSB Bank, United Kingdom; OKOBANK, Finland; Rabobank, Netherlands; Raiffeisen Zentralbank, Austria and DG BANK, Germany.