1. Cash and Card Payment Trends REI Retail Retreat May 2016 V1.0

2. About PaymentPlus Founded in 2011 Offices in Dublin and Edinburgh Over 2,500 customers Ireland and UK’s leading provider of payment services Management team with over 80yrs of combined payments experience: Management team is ex Ingenico, Skrill, Payzone, Zapa, 3V, Diners, Fexco, PWC Barclaycard partner Irish distributor for Ingenico 2 “Ireland and UK’s fastest growing payments provider” REI Retreat - May '16

3. What exactly do we do? We provide Credit and Debit card processing services for merchants We provide Cash Advance funding services We reduce card processing costs for any business that accepts card payments We supply card terminals, helpdesk and web payment services Highest levels of support in Ireland – 7 day helpdesk with dedicated points of contact for financial queries REI Retreat - May '163

4. Our customers include……… 4 The Madigan Group REI Retreat - May '16

5. About GSLS 5REI Retreat - May '16 Founded in 2004, financial backing from Carlyle Cardinal Ireland €290m fund (largest fund investor is Irish Government Strategic Investment Fund) Market leader for customer service and reliability Largest provider of CIT to Retail industry and 2 nd largest to banks Largest, most modern cash center in Ireland Nationwide coverage with large, modern fleet of armored vehicles, ~200 staff

6. 6 Our customers include :

7. What exactly do we do? 7REI Retreat - May '16 Secure Cash collection Cash counting and banking Detailed cash reporting – by deposit, by store, by till, by cashier – reconciliation – in any format (excel, CSV, xml etc) Provision of notes and coin for change and ATM self fill – float can be made at till level Replenishment and maintenance of ATMs International movements, secure storage – practically anything to do with moving valuables

8. Cash Trends 8REI Retreat - May '16 Ireland consumers heavy users of cash About twice the EU average Growth in all forms of electronic….. ….but very little decline in cash payment by value Virtually all payments <€10, 50% €10-€70, less on larger payments Financial crises saw rush to cash: Eg Greece, Cyprus Concerns about solvency of banks and electronic forms of cash ECB stands behind Euro currency

9. Retailer Cash Innovations 9REI Retreat - May '16 Migration of retailers to CIT collection and cash processing Banks have massively increase fees for deposit and supply of cash – by up to a factor of 6 – and discouraging use of branches for commercial cash transactions Cheaper and safer to have cash collected and processed by CIT than risk walk to bank and pay bank fees 7 day per week services, 363 days per year, early to late ATM market shifting towards Private Brand, displacing bank ATMs in retail outlets. Financial services and marketing are key drivers. Reconciliation, settlement, detail level reporting by CITs enabling retailers to streamline and reduce cash office costs Some (limited) move to smart safe deposit devices to reduce cash office costs and streamline float & till management

10. Payment Trends – Mobile 10REI Retreat - May '16 How to position your business: Ensure your card terminals support NFC / Apple Pay /Google Wallet Optimise for mobile Explore ways to bring mobile engagement in-store and online

11. Payment Trends – Security 11REI Retreat - May '16 What can you do? Ensure your business is PCI compliant Train your staff Use 3D Secure to fight online fraud Continuously evaluate cardholder security

12. Payment Trends – Costs 12REI Retreat - May '16 EU Interchange fees 9 th December ‘15 Debit % Credit % High ATV’s expensive Low ATV’s save Security/PCI fees What can you do? Review processing fees: Ensure pricing is reflective of ATV Be PCI compliant Ensure your channels are setup correctly e.g. CVV/3DS

13. Choosing a cash provider & approach 13REI Retreat - May '16 Financial stability and resilience Service reputation Flexibility to match your daily/weekly cycle Bespoke reconciliation and reporting at any level required by your business, and delivered in a format that works with your systems and processes Overall cost – including in-house costs Lost time and rostering to cover walk to bank Cash office and insurance costs A partner that you can work with, with little effort and time investment

14. Top tips for 2016 14REI Retreat - May '16 1.Omni-channel support: face to face, web and mobile 2.Optimise your web assets 3.Review pricing based on your processing needs 4.Embrace contactless and mobile payments 5.Look at the total cost of your end to end cash handling: cash office, collection, depositing, reporting, reconciliation, floats, management time (then call GSLS!)

15. May 2016 Thank you – Questions Niall Feely C.O.O GSLS nfeely@gsls.ie Cillian Wright M.D. PaymentPlus cillian.wright@paymentplus.ie nfeely@gsls.ie cillian.wright@paymentplus.ie