Cartel Network of Buffalo said it has completed its fourth year with 60 participating financial institutions, 40 more in the pipeline, and a network of thousands of service locations that will soon grow with the addition of Wal-Mart Stores Inc.

The number of institutions is small by the standards of regional and superregional shared networks of automated teller machines, but Cartel chairman and chief executive officer Joseph E. Wolfson said infrastructure- building has been the overriding priority.

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