1. © 2015 First Data Corporation. All Rights Reserved. DIGITAL PAYMENTS – USERS AND INFLUENCERS DIGITAL PAYMENTS SUMMIT SEPTEMBER 30 TH 2015 Espen Tranoy Manager Director First Data Hellas Regional Manager CEE and SEE

2. © 2015 First Data Corporation. All Rights Reserved. The Millennials – the “Unbanked” Generation 80M AMERICANS BORN 2020 MILLENNIALS PEAK 46% OF ALL U.S INCOME 1,5M GREEKS BORN ? OF ALL GREEK INCOME 1

3. © 2015 First Data Corporation. All Rights Reserved. User Characteristics 2

4. © 2015 First Data Corporation. All Rights Reserved. Millennials Want to hold their Bank at Arm’s Length 71%33%71%33% Would rather go to the dentist than listen to what banks say. Believe they won't need a bank in five years. Consider their banking relationship to be transactional rather than relationship-driven. Are open to switching banks within the next 90 days. Millennials are increasingly using online payment methods in place of cash and checks: 47%43% Of consumers have already transferred money to someone electronically. List online banking as the first or second most valuable aspect of their day-to-day banking experience; 23% list mobile banking. 3

5. © 2015 First Data Corporation. All Rights Reserved. Digital/Mobile Payments Influence by Industry 4 Financial Institutions Retailers & Services Wireless (network Providers) Payment Services (Mobile) Payment Services (Traditional) Device Makers Source: Study by appinions 2014 “Digital mobile payments”

6. © 2015 First Data Corporation. All Rights Reserved. Millennials Driving Future of Mobile/Digital Payments 5 54%18%40% Expect to use cash on a weekly basis by 2020 – a 12% decrease from today Expect to use digital currencies on a weekly basis by 2020 Have used their phone as a mobile payment device. 72%79%52% Prefer network providers as their mobile payment provider Would increase usage of mobile payments if discounts or coupons were offered Of millennials have used mobile payments & drive the adoption of emerging payments Source: Accenture 2014 The Financial Brand

7. © 2015 First Data Corporation. All Rights Reserved. What do the Millennials want from their Bank? 6 27% Would consider a branchless digital bank 51% Want their bank to proactively recommend products/services for their financial needs 71% Consider their banking relationship to be transactional rather than relationship driven 48% Are interested in real-time and forward looking spending analysis Source: Accenture 2014 The digital disruption n Banking

8. © 2015 First Data Corporation. All Rights Reserved. Where are the Digital Payers? 7 I am thinking of leaving Greece I have decided to leave Greece Source: Source: Journal of Education and Human development

9. © 2015 First Data Corporation. All Rights Reserved. What will Evolve in Greece? 8

10. © 2015 First Data Corporation. All Rights Reserved. Statistics, a Comparison Before and After Greek Capital Controls 9 Service Area January – June 2015 (monthly average) July 2015Change Card Production 273,510483,760+77% PIN tabs 100,455300,349+199% Debit Card Applications 25,107224,926 +796% Inbound calls 300,322796,545+165% Outbound calls 6,75316,051+138% Transactions (Total) 23,935,10446,687,997+95% Transactions (ATM) 8,984,72020,326,723+126% Transactions (POS) 10,057,41019,120,184+90% Transactions (Issuing) 4,892,9747,241,090+48% MIPS 191,509281,035+47%