Elavon

One World. One source for PaymentProcessing... Worldwide.

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Elavon - Who we are Elavon is a leading global provider of

merchant acquiring services.

We think global and support local with offices in the US, Canada, Puerto Rico, Mexico, Brazil, United Kingdom, Ireland, Germany, Poland, Norway and Spain.

Our breadth of solutions, depth of experience and total commitment to providing the most responsive, highly individualized service is unmatched in the industry.

Our MissionOur Mission

Elavon drives growth Elavon drives growth for our Customers and Partners for our Customers and Partners by enabling commerce around by enabling commerce around

the world.the world.

We do this by delivering We do this by delivering comprehensive, comprehensive,

secure and scalable payment secure and scalable payment solutions.solutions.

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Elavon – Who we are

From our beginnings as NOVA Information Systems and euroConex, we have grown in our respective markets until coming together as Elavon in 2008.

Every day, more than 1 million merchants trust us to efficiently and securely manage their payments business.

We extend powerful payment solutions, flexible connectivity options and effective fraud monitoring tools to customers around the globe.

Clients are attracted to our robust and secure international processing platform that extends cross-border reach across their footprint.

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Elavon Global Market Mix (volume)

Elavon Global Merchant Mix (volume)

Customers Volume (billion USD)

RBS WorldPay (UK) 422,085 $377.83

Groupe Credit Agricole(FR) 360,139 $127.61

Elavon 270,806 $83.31

Groupe Credit Mutuel (FR) 229,883 $156.67

Barclays 197,022 $245.90

Customers Volume (billion USD)

First Data** 2,158,111 $1,599,838.8

Elavon*** 828,047 $254,516.8

Global Payments 629,000 $117,755.2

Intuit 507,401 $31,924.8

Vantiv 399,548 $494,609.6

Elavon Market Rankings2012 Acquirers in Europe1

2012 US-Acquirers2

1 Nilson Report, June 2013, total volume2Nilson Report, March 2013, total volume**First Data is comprised of First Data, Bank of America, Wells Fargo, SunTrust, PNC & Sovereign/Santander in the US*** Elavon is comprised of Elavon and Key Merchant Services

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Segment Volume

Micro < $100K

Small $100K - $5MM

Middle $5MM - $15MM

Large > $15MM

U.S. Bank: A Leader in Financial Services

U.S. Bancorp (NYSE: USB) is the parent company of Elavon.

Facts about U.S. Bank: U.S. Bank is the 5th largest commercial bank in the United States U.S. Bank was awarded multiple times by renowned financial magazines:

One of the Most Reputable Companies (Forbes Magazine, 04/2012) One of the World’s 50 Safest Banks (Global Finance, 10/2012) One of the “Best Banks in America” (Money Magazine, 10/2012)

U.S. Bank offers a solid capital position (Stand Q1/2013): $ 355 billion in assets $ 248 billion in deposits 8.6 % equity ratio 17.6 million customers 65,000 employees 26 % of U.S. Bank’s revenue derives from the Payment Business

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Elavon at a Glance 1991 founded in the US as NOVA Information Systems 2001 entered the European market as euroConex Became a full member of the card organisations after

the foundation of Elavon Financial Services More than 1.3 million customers worldwide 3,600 employees worldwide More than 1,000 employees in Europe Process over 3 billion transactions annually, worth

more than $ 300 billion and: No. 1 Airline Processor No. 2 Hospitality/T&E Processor No. 4 according to U.S. Transaction volumes

(Abrechnungsvolumen) No. 6 in Europe

Elavon won an award for Elavon won an award for its International Processing its International Processing Platform (IPP) and its self-Platform (IPP) and its self-established IP-Gateway. established IP-Gateway.

During the Cards & During the Cards & Payments Awards in Payments Awards in

February 2012 in London February 2012 in London Elavon‘s payment Elavon‘s payment

processing technology was processing technology was awarded for the „awarded for the „Best Best

Merchant Acquiring Merchant Acquiring InitiativeInitiative“.“.

Elavon won an award for Elavon won an award for its International Processing its International Processing Platform (IPP) and its self-Platform (IPP) and its self-established IP-Gateway. established IP-Gateway.

During the Cards & During the Cards & Payments Awards in Payments Awards in

February 2012 in London February 2012 in London Elavon‘s payment Elavon‘s payment

processing technology was processing technology was awarded for the „awarded for the „Best Best

Merchant Acquiring Merchant Acquiring InitiativeInitiative“.“.

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Elavon in Europe

2000Joint Venture with

Bank of Ireland, BOI (IRE)

2003Santander DCC

2004• Buyout Joint Venture BOI• Alliance & Leicester (UK)

• SEB (NOR)

2005Citibank Card Acceptance

(Int’l, UK, GER, BEL, POL, ITA)

Cardpoint (POL)

2009Acquired Diners Club Portfolio

of Citibank in 8 European countries

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2012Joint Venture with Santander

(ESP)

History of Elavon (1991-2012)

1991 2001 2004 2005 2009 2011 2008

Founded in the US Founded in the US as NOVA as NOVA Information Information Systems Systems

• EuroConex founded with EuroConex founded with Bank of Ireland as joint Bank of Ireland as joint venture and entered venture and entered European market.European market.

• Became a part of U.S. Bank, Became a part of U.S. Bank, currently the 5currently the 5thth largest largest commercial bank in the US commercial bank in the US with more than $ 355 billion with more than $ 355 billion in assets (Q1/2013)in assets (Q1/2013)

• Bought out Bank of Ireland’s Bought out Bank of Ireland’s shares in euroConexshares in euroConex

• Expanded rapidly through Expanded rapidly through acquisitions in the United acquisitions in the United Kingdom, Poland and NorwayKingdom, Poland and Norway

• Entered Spain through an Entered Spain through an alliance with Santanderalliance with Santander

Elavon acquired Elavon acquired Citibank’s Diners Citibank’s Diners Club Card Club Card merchant-location merchant-location portfolio in portfolio in Western EuropeWestern Europe

• Completed Completed International International Processing Platform Processing Platform in Europein Europe

• Entered Canada Entered Canada through acquisition of through acquisition of InternetSecureInternetSecure

• Acquired Citibank Card Acquired Citibank Card Acceptance in Europe Acceptance in Europe (GER, UK, POL, ITA, (GER, UK, POL, ITA, BEL)BEL)

Über Elavon

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The Elavon brand The Elavon brand is launchedis launched

2010 2012

• Entered Mexico Entered Mexico through an through an alliance with alliance with SantanderSantander

• Joint Venture Joint Venture with Citibank in with Citibank in BrazilBrazil

• Joint Venture Joint Venture with with Santander in Santander in SpainSpain

Our Card Payment Solutions Marketplaces

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About Elavon

A Truly Pan-European Business

Over 370,000 Merchants*in 30 countries

Authorise in almost 100 currencies

16 Settlement currencies All major credit and debit

cards Partnership model*including JV with Santander

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Elavon Payment SolutionsPoint of Sale Solutions

Range of POS Terminals Payment GatewayIntegrated POS SolutionsMobileMerchant

Core Processing Solutions

Credit & DebitMulti-CurrencyCross-Border

Reporting SolutionsiMerchantConnectDashboard Reporting

Value Added Solutions

Tourist Payment Dynamic Currency

ConversionTax-Free Electronic Gift Card Plus

Security SolutionsPCI Compliance

Programme

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International Vertical Markets

E-Commerce

AirlinesHospitality/T&E

Retail

Petrol

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Leadership through optimized business processes

Payments without Borders Streamlined processing and settlement of card

payments through secure and reliable processing platforms.

Free and consistent online reporting – ideal for customers who are operating in different countries.

Multi-Currency – Accept payments in any of Elavon’s nearly 100 authorisation currencies, choose settlement in one of 16 currencies. Customers do not have to deal with conversion rates.

Your Partner for all Transaction Processes Credit/Underwriting Voice Authorization Chargebacks & Retrievals Credit & Risk Management Compliance/Quality

Global Thinking,Global Thinking,local Know-howlocal Know-howYour advantagesYour advantages

•Consolidation of card processing saves Consolidation of card processing saves time and money time and money •Consistent reporting will simplify your Consistent reporting will simplify your accountingaccounting•Multi-lingual support (11 languages)Multi-lingual support (11 languages)•Fast solutions – trasactions can be Fast solutions – trasactions can be entirely processed through Elavon. entirely processed through Elavon.

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POS Terminals

Protect data from the point of payment to processing and settlement

Extensive selection of terminals• Desktop terminals • IP terminals • External PIN pad• Portable handheld terminals • Mobile handheld terminals• Contactless terminals

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Payment Solutions

Security Solutions - Overview

Tokenization Encryption End-to-end encryption (E2EE) Point-to-point encryption (P2PE) Format-preserving encryption De-scoping PCI

Reduce Scope and Shift Responsibility

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A Sample of our Alliance & Referral Partners

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Select Global CustomersRetailers & Fuel

E-commerce & Gaming

Airlines Hospitality/T&E

Disney 888.com Easyjet Accor

ZARA (Inditex) Gamestop Ryanair NH Hotels

Primark Paddy Power LOT Hertz

Abercrombie & Fitch Tickets.com United Airlines Europcar

Costco Microsoft Korean Airlines Royal Caribbean Cruise Lines

BP HP Norwegian Airlines Carnival Cruise Lines

Mango Allianz China Southern Airlines Starwood Hotels

About Elavon

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Our Offer at a Glance 1/2

Global Payment Solutions

Focus on credit and debit card processing Cross-border solutions Efficient and secure International Payment Processing technology Operations & Customer Service Center in the US, Canada, Mexico, Brazil, United Kingdom,

Ireland, Germany, Norway, Poland and Spain Global Know-how combined with local market knowledge

Multi-currency Processing

Sell products in any of Elavon’s nearly 100 authorisation currencies Choose settlement in one of 16 currencies Dynamic Currency Conversion for up to 48 currencies

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Our Offer at a Glance 2/2

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Responsive Customer Service

24-hour support team provides essential services from front-line help desk to back-end technical support and voice authorization services

Multi-lingual support (11 languages) Effective fraud prevention, chargeback management and security solutions Timely, comprehensive reporting capabilities through our web-based iMerchantConnect

Global Acquiring Focus

Acceptance of Visa & MasterCard, Diners Club National debit card solutions American Express Authorisation, Settlement & Service (Ireland) Stationary, mobile und portable terminal solutions (EMV, PCI)

Payment Acceptance made easy

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Corporate Client Premier Services

Provide first-hand information about the latest developments in the card payment industry

Minimise impact of card industry changes Works with customers to define reports matched to business

needs Conducts comprehensive reviews to achieve optimum value for

customers Handles contract renewals, amendments and other paperwork Benefit from one dedicated contact Assistance to combat card fraud

The Premier Services team responds to all operational queries and provides a single point of contact for any query in addition to the Sales Relationship Manager.

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ElavonOne World. One source for Payment

Processing... Worldwide.

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