1. Jeff Wilson Senior Vice President, LAC & Canada Senior Vice President, LAC & Canada Global Technology and Operations Leveraging Technology to Advance Business …Are You Ready?

2. 2 A New Era in Payments Is Upon Us The new era will not wait for us to get ready Let’s consider … Are financial institutions ready for this new era? How will they grow beyond managing cash and checks? Are banking practices, regulations, and infrastructure ready for this new era? How will they invest in advanced technology to secure their future?

3. 3 …And Perpetuated by Key Drivers in the Latin America Market We’re in A New Payments Era TechnologyInnovation ElectronicPaymentsShift Globalization Caused by Three Powerful Global Trends

4. 4 The Shift to Electronic Payments Three millennia in the making …propelled by the transistor, the integrated circuit, and the Internet Cash Still represents two-thirds of all global paymentsStill represents two-thirds of all global payments Remains the most unacknowledged anachronism in the modern worldRemains the most unacknowledged anachronism in the modern world No longer makes senseNo longer makes sense Has outlived its valueHas outlived its value Checks DEBIT and CREDIT CARDS CHECK ACH ITEMS Global Decline of Checks Source: The Tower Group, Inc., May 2006.

5. 5 The Pervasive Effects of Globalization Today, a revolutionary paradigm shift in information logistics is occurring… With Internet an individual can now sell products and intellectual services anywhere in the worldWith Internet an individual can now sell products and intellectual services anywhere in the world Millions of people are now able to participate in the global information economy – GlobalizationMillions of people are now able to participate in the global information economy – Globalization Commerce: The world demands frictionless commerce as payments shift from places to peopleCommerce: The world demands frictionless commerce as payments shift from places to people

6. 6 The Innovation in Technology Three Factors Driving Innovation 1.Consumers are demanding simplicity, security and instant gratification at the Point of Sale 2.New competitors are continuing to enter the market and threaten to replace traditional business lines 3.Emerging technologies are changing the economics of many business models, and opening the door to exciting and new services

7. 7 These Trends Offer You More Opportunities 1.To innovate in new and existing markets 2.To expand into new segments of traditional markets 3.To invest and move into regional and global markets TechnologyInnovation ElectronicPaymentsShift Globalization

8. 8 Technology Enables You to… Innovate in New and Existing Markets Contactless provides faster payment for better purchase experience and operational efficiency Chip provide reward points that drive consumer loyalty Chip authentication provides greater security and one card for all purposes Advanced technologies apply innovative solutions across various markets Together, these technologies provide capabilities in other markets like Mobile and Healthcare

9. 9 Technology Enables You to… Expand into New Segments of Existing Markets And Enables You To… Business intelligence provides actionable insights into consumer spending Intelligent Data Yields Insight Into…  Consumer Loyalty  Card Usage Frequency  Average Purchase Amounts  Card Activation Rates  Consumer Attrition Rates Identify revenue opportunities in under-penetrated consumer segments Identify revenue opportunities in under-penetrated consumer segments Target appropriate offers, rewards and cross-sell programs to consumers Target appropriate offers, rewards and cross-sell programs to consumers Potential to increase revenue via targeted usage promotions and data-driven loyalty programs Potential to increase revenue via targeted usage promotions and data-driven loyalty programs

10. 10 Technology Enables You to… Invest and Move into Regional/Global Markets Global Technology Global Leadership Economies of global scaleEconomies of global scale Global standardizationGlobal standardization Simplicity of single platformSimplicity of single platform Seamless reliabilitySeamless reliability Operational resiliencyOperational resiliency Faster network response timeFaster network response time GlobalIntegratedNetwork StrategicPaymentsExpertise PaymentTechnologySolutions High Performing PerformingTechnology Agility and speed-to-marketAgility and speed-to-market Limited system investmentLimited system investment Local, customizable solutionsLocal, customizable solutions Intelligent insight in dataIntelligent insight in data Differentiated, targeted consumer programsDifferentiated, targeted consumer programs

11. 11 The New Payments Era Demands… Collaboration Among Innovative Partners Innovative partners help you seize opportunities to… Pilot breakthrough payment technologies without substantial infrastructure investmentPilot breakthrough payment technologies without substantial infrastructure investment Speed customized processes to market fasterSpeed customized processes to market faster Deliver unmatched loyalty and rewards programs for consumersDeliver unmatched loyalty and rewards programs for consumers With the assurance that every innovation is built on a foundation of unsurpassed quality and reliability

12. 12 Are You Ready for the New Payments Era? What kind of new payments world can you imagine? Will you seize the opportunities to advance your business?

13. 13 Thank You! Gracias! Obrigado!