The Way To Make Your Card Business M ore Profitable

1. April 18th, 2012 EURONET E-BANKING 10th International Conference & Exhibition KARACHI Jean-Louis MEYER The Way To Make Your Card Business More Profitable

2. COMPANY OVERVIEW • Leader in personalization of: • Financial cards • Passports • Identification cards and secure documents • Preferred partner for financial institutions and government agencies • Service and support in 120 countries • Datacard Solutions Personalize and deliver 12M cards centrally and remotely Personalize 500K PP, NID and DL Personalize over 10M smart cards

3. Challenges Faced by BANKS Transforming Retail Banking to Reflect the New Economic Environment - The changing face of retail banking in the 21st century - A report by the EFMA Banking Advisory Council in partnership with Microsoft

4. SECURE ISSUANCE ANYWHERE CONCEPT Datacard empowers you to manage card programs exactly the way you and your cardholder desire — securely, reliably and flexibly — anywhere, anytime.

5. What is Instant Issuance? • Where • Bank/ branches (debit/credit) • Retail stores (credit) • Colleges/Universities (debit) • Events (debit/prepaid ) • Attended kiosks (debit/ prepaid) • Branchless Banking and Telco (Prepaid, SE) • What • Issuance of permanent, personalized debit/credit/prepaid cards • New account cards • Emergency card replacements • Auto-activated for immediate customer use • A PCI PA-DSS compliant solution

6. Instantly Issued Cards – “Shift and Lift” Instantly vs. centrally issued cards “SHIFT” Approximately four (4) additional transactions in first ten days “LIFT" 11.30 “SHIFT” 7.40 4.00 0.20 Trans per card within 10 days of account opening Trans per card within 11-45 days of account opening INSTANT Mailed Assumes Debit card transactions; higher revenue for credit

7. Instantly Issued Cards – “Shift and Lift” Instantly vs. centrally issued cards “LIFT” Four additional transactions PER MONTH Observed for a period of 12 months “LIFT” 11.30 “SHIFT” 7.40 4.00 0.20 Trans per card within 10 days of account opening Trans per card within 11-45 days of account opening INSTANT Mailed *Assumes Debit card transactions; higher revenue for credit

8. Case Study

9. Case Study SAVED ELIMINATED REDUCED GAINED • Issuance of temporary ATM-only cards to new customers • Postage expenses for new check cards and PIN mailers • “Rush” card expenses • Check processing expenses • Fewer checks written • Control over card replacement process

10. Case Study OVER 12 MONTHS By issuing dual Interface EMV PayPass™ MasterCard® cards instantly, Carrefour Banque became the first retail bank in Europe to provide this kind of innovative, convenient program for its customers. Cards are instantly issued and activated in their Financial Services desks and , customers can benefits from incomparable set of advantages

11. Case Study SAVED ELIMINATED REDUCED GAINED • New customers • More payment generated • Instant EMV card replacement services • Pin Selection • Time in compare to centrally issue cards • Pin mailing costs • Long process to get cards • Non activated cards • Time to queue and Pay using PayPass™ for less than 25€ purchases

12. Many OTHER data to be shared soon Activation rates remain15 percentage points higher among instantly issued cards, after 30 days (90% vs. 75%) Bergamini in Sao Paulo, Brazil • Many other Projects successful in EMEA ! • Arab National Bank, Saudi Hollandi Bank • BancoSol in Angola • Major card processing company in Nigeria • Major Bank in UK • Carrefour Banque • ………. Sources: Carrefour Banque CSA Club presentation, November 19th,2010 • More than 700 financial institutions with 6,500+ CardWizard® software branch installations Worldwide

13. Challenges Transforming Retail Banking to Reflect the New Economic Environment - The changing face of retail banking in the 21st century - A report by the EFMA Banking Advisory Council in partnership with Microsoft

14. Thank you! Please join us on our booth and get a CardWizard® Solution demonstration !