Coupled-channel cross-sections for electron capture, ionization and electron loss due to polarization effects are calculated. The maximum impact parameter for electron escape is analyzed within the classical framework. The probabilities of ionization and capture are analyzed simultaneously by a semi-empirical method. Differing from the n-body classical trajectory Monte Carlo method, the condition for electron escape is determined by Coulomb forces related to the two nuclei. This method can be used to calculate coupled-channel cross-sections rather than single-channel ones in other methods. The...