Twenty years ago, the Brazilian market demanded an innovative model that could support banks and major retailers on the issuance of their own credit cards.

In1992 was born…

An independent and pioneering company in the development of innovative, creative and complete solutions,

through outsourced management and processing services for the issuers of electronic payment means

The first company in the country to work with the three international credit card brands simultaneously

THE CSU GROUP HAS BEEN BUILDING ITS HISTORY FOR 20 YEARS

● The first company in the sector to

go public in 2006 (CARD3)

● Listed among the 100 first

companies to be part of the “BM&F

Bovespa’s Novo Mercado” – group

of companies with a high level of

corporate governance

THE CSU GROUP HAS BEEN BUILDING ITS HISTORY FOR 20 YEARS.

It formed a solid client basis

THE CSU GROUP HAS BEEN BUILDING ITS HISTORY FOR 20 YEARS

São Paulo SP ● Faria Lima

● Alphaview - Barueri

Belo Horizonte MG

Recife PE ● Boa Vista

● Apolônio

Curitiba PR

It has units in the main capital cities

THE CSU GROUP HAS BEEN BUILDING ITS HISTORY FOR 20 YEARS

It obtained the PCI-DSS in 2010

(Payment Card Industry

Data Security Standard)

Recertification in 2011 – Version 2.0

A certification granted by the PCI-Council, comprising credit card brands like Visa, MasterCard and American Express, which has as its objective to assure safety for credit card users, reducing the probability of fraud.

THE CSU GROUP HAS BEEN BUILDING ITS HISTORY FOR 20 YEARS

It has founded the CSU Institute the company main social development and educational incentive project which contributes to professional inclusion of young people and adults

● Professional training

● Computer training

● Typing

● Languages

● Specific programs for bearers

of special needs

Courses

It has trained more than 18 thousand

students

THE CSU GROUP HAS BEEN BUILDING ITS HISTORY FOR 20 YEARS

And it has obtained acknowledgement from the market

The Company of the decade by Gazeta Mercantil

2 Marketing Best CSU Social Institute

Highlights in the Press 12 Top of Marketing

Ernst & Young Entrepreneur of the Year

3 ABEMD Awards Marketing Best of the Century

14 Marketing Best

THE CSU GROUP HAS BEEN BUILDING ITS HISTORY FOR 20 YEARS

THE CSU GROUP BUILDS ITS HISTORY BASED ON FOUR BUSINESS DIVISIONS

Processing and Management for Electronic Payment Means

The largest and most complete of Latin America

Solution provider and integrator of data-driven direct and digital marketing for customer-engagement actions and programs

Management and solutions for Contact Center and BPO (Business Process Outsourcing)

Business Process Management for the companies acquirers of the international credit card brands

The 1st independent company to operate in the acquirer’s market

● Accelerated Time to market for new clients

● Low operating cost

● Differentiated infrastructure based on the most modern management standards

FREEDOM TO OPERATE IN THE

MARKET

HIGH PERFORMANCE ENVIRONMENT

● Independent corporate control

● Teams focused on each line of business

● Complete solutions for issuers and acquirers

● Flexible Infrastructure

● System and applications intended for the Brazilian market

● Innovation in services and products

TECHNOLOGY

Differentiated service platform

Data Processing

Credit Analysis

Fraud Prevention

Bills Remittance and Follow-up letters

Cards Embossing/ Cards Issuance/ Welcome Kits

24-hour- Customer Care, Agencies and

Parking lots

Collection Services

Operational Management,

Back Office and Accounting

Control

Systems Development &

Maintenance

Internet Customer Service

Full Service Solutions

THE CSU GROUP BUILDS ITS HISTORY BASED ON FOUR BUSINESS DIVISIONS

Processing and Management for Electronic Payment Means

The largest and most complete of Latin America

Solution provider and integrator of data-driven direct and digital marketing for customer-engagement actions and programs

Management and solutions for Contact Center and BPO (Business Process Outsourcing)

Business Process Management for the companies acquirers of the international credit card brands

The 1st independent company to operate in the acquirer’s market

INTERNATIONAL BRANDS TRANSACTION CAPTURE AND PROCESSING SERVICES IN BUSINESS ESTABLISHMENTS

● The only independent PCI

Compliance Processor for the acquisition market

● Investments in the solution of R$ 40MM since

2008

● More than 120 thousand hours in development

were necessary in the solution

● World platform (mainframe) customized for the

Brazilian market (incorporation of 1.5MM of

programming lines)

● On site and off site contingency infrastructure

(own DPCs)

● Professional training and qualification

● The only independent processor homologated

by Visa and MasterCard for acquiring companies

FULL SERVICE SOLUTIONS

Back Office and Special Interchange

Electronic Transaction/ Capture Network

Fraud Prevention

Supply Management

Accounting Financial Clearing

Merchants Technical Support

Business Management

Internet Customer Service

Merchant’s Call Center / Help

Desk

Information Mailing to Merchants

THE CSU GROUP BUILDS ITS HISTORY BASED ON FOUR BUSINESS DIVISIONS

Processing and Management for Electronic Payment Means

The largest and most complete of Latin America

Solution provider and integrator of data-driven direct and digital marketing for customer-engagement actions and programs

Management and solutions for Contact Center and BPO (Business Process Outsourcing)

Business Process Management for the companies acquirers of the international credit card brands

The 1st independent company to operate in the acquirer’s market

THE MOST EXPERIENCED

AND COMPLETE CUSTOMER

ENGAGEMENT SOLUTION

PROVIDER IN THE

BRAZILIAN MARKET

● More than 25 loyalty programs

managed in 10 years of history

● 6 Million clients became loyal

● 11 Billion points annually

processed

● 200 thousand rewards annually

delivered

PERFORMANCE SCOPE THE CSU MARKETSYSTEM INTELLIGENCE IS DIRECTED TO THE STRATEGIES OF

ACQUISITION

RELATIONSHIP

SALES

ACTIVATION

RECOVERY DATA

INTELLIGENCE

THE CSU GROUP BUILDS ITS HISTORY BASED ON FOUR BUSINESS DIVISIONS

Processing and Management for Electronic Payment Means

The largest and most complete of Latin America

Solution provider and integrator of data-driven direct and digital marketing for customer-engagement actions and programs

Management and solutions for Contact Center and BPO (Business Process Outsourcing)

Business Process Management for the companies acquirers of the international credit card brands

The 1st independent company to operate in the acquirer’s market

Amongst the market leaders in results for the debt collection operations

RECOVERING OF CREDITS AND ASSETS

TELESALES

Understanding the customer’s business processes in order to propose improvements and resolutions

CUSTOMER SERVICE

RESOLUTION AND

CONVERSION

We are amongst the top three in sales conversion

Excellence in Customer Care

Focus on people

• More satisfaction • Less Calls • More conversion and recovering, with less cost

Conducting an intelligent management

Infrastructure and Technology

● Recruitment Excellence

● Training ● Management ● Talent Retention

● Market Premises

The CSU Group...

● Creates ideas

Ideas that will innovate the market

Solutions that will allow the offer of the best services to our customers

Results that will sustain the continuous growth of its business

● Implements solutions

● Generates results

The history of the CSU Group is an integral part of the very development of the Brazilian market of electronic payment means

Only a company that has become highly technological and with levels of sophistication compatible with the most advanced in the world

Would be able to offer complete solutions to its customers