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Apresentação cielo day_miguel_ eng v site
Apresentação cielo day_miguel_ eng v site
Apresentação cielo day_miguel_ eng v site
Apresentação cielo day_miguel_ eng v site
Apresentação cielo day_miguel_ eng v site
Apresentação cielo day_miguel_ eng v site
Apresentação cielo day_miguel_ eng v site
Apresentação cielo day_miguel_ eng v site
Apresentação cielo day_miguel_ eng v site
Apresentação cielo day_miguel_ eng v site
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Apresentação cielo day_miguel_ eng v site

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  • 1. 1
  • 2. PREPAYMENT OF RECEIVABLES MIGUEL ALONSO Head Prepayment of Receivables 2
  • 3. DISCLAIMER The Company makes forward looking statements that are subject to risks and uncertainties. These statements are based on the beliefs and assumptions of our management as well as on information currently available to us. Forwardlooking statements include information regarding our current intent, beliefs or expectations, in addition to those of the members of the Board of Directors and Executive Officers of the Company. Forward-looking statements also include information regarding our possible or assumed future operating results, as well as statements preceded or followed by, or that include, the words ''believes”, ''may”, ''will”, ''continues”, ''expects”, ''anticipates”, ''intends”, ''plans”, ''estimates”, or similar expressions. Forward-looking statements are not guarantees of performance. They involve risks, uncertainties and assumptions, for they relate to future events, thus depending on circumstances that may or may not occur. Our future results and the creation of value to shareholder s may differ significantly from those expressed in or suggested by these forward-looking statements. Many factors determining these results and values are beyond Cielo’s ability to control or predict. 3
  • 4. THE PRODUCT Regular Credit and Credit in installments Prepayment of Receivables is a product that allows the merchant to receive in advance, future performed receivables from sales with credit cards 4
  • 5. HOW IS CALCULATED Prepayment of a credit card sale of R$ 100 in 3 installments, with a MDRof 3% and a Prepayment fee of 2% per month Installment 1 30 days 32.34 - ( 32.34 * (2% / 30) * 30 ) Installment 2 R$ 32.34 R$ 31.69 60 days R$ 32.33 32.33 - ( 32.33 * (2% / 30) * 60 ) R$ 31.04 Installment 3 90 days 32.33 - ( 32.33 * (2% / 30 * 90 ) Total R$ R$ 32.33 R$ 30.39 93.12 5
  • 6. FUNCTIONALITIES UNSCHEDULED PREPAYMENT Select Prepayment of Receivables (ARV) AUTOMATIC PREPAYMENT Request a Scheduled Prepayment and choose the date of receipt 6
  • 7. SALES CHANNELS THE PREPAYMENT OF RECEIVABLES CAN BE DONE THROUGH THE FOLLOWING CHANNELS: Direct from the POS equipment Prepayment of Receivables Call Center: 3003-8472 If you prefer, schedule your Prepayment of Receivables through the website www.cielo.com.br capital and metropolitan regions 0800 727 8472 For other locations Monday to Saturday, from 8am to 6pm, except national holidays and State and City of São Paulo 7
  • 8. PREPAYMENT OF RECEIVABLES INDICATORS 15. 000,0 Prepayment of Receivables (R$ million) 16.1% 13. 000,0 11. 000,0 13.1% 10.5% 9.3% 7.0 00,0 8.7% 7.7% 3.0 00,0 10,579.6 8,542.9 8,285.4 9.0 00,0 5.0 00,0 13.1% 6.4% 2,669.7 6.7% 7.3% 7.2% 3,376.9 3,016.7 3,236.9 4,899.2 10.5% 6,162.2 6,414.2 5,289.9 3,894.6 1.0 00,0 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 (1.000, 0) Financial Volume of Prepayment % Prepayment over Total Credit Volume 8
  • 9. PREPAYMENT OF RECEIVABLES Gross Revenue (R$ million) 268.1 237.5 212.4 193.2 1Q12 207.9 2Q12 3Q12 190.1 4Q11 227.7 159.9 137.7 120.8 1Q11 2Q11 3Q11 4Q12 1Q13 2Q13 9
  • 10. PREPAYMENT OF RECEIVABLES MIGUEL ALONSO Head of Prepayment of Receivables INVESTOR RELATIONS CONTACTS www.cielo.com.br/ri E-mail: ri@cielo.com.br Phone: + 55 11 2184 7722 10

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