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  • 1. Cielo Day 2011RÔMULO DE MELLO DIAS | CEO
  • 2. CIELO AT A GLANCE #1 ONE OF THE MORE THAN PRESENT IN 98%MERCHANT ACQUIRERAND PAYMENTPROCESSOR IN BRAZILAND LATIN AMERICA OF BRAZILIAN CITIES 5 LARGEST ACQUIRERS IN THE WORLD
  • 3. CIELO’S EXPANSION HAS BEENREMARKABLE More than 18 additional brands in 13 months JULY SEPTEMBER DECEMBER JANUARY FEBRUARY APRIL AUGUST
  • 4. CIELO INVESTS MODERNIZATION ANDTECHNOLOGY Cielo invests heavily on POS acquisition to maintain a modern base that can support our innovative products No. Installed POS (thousand) 10.5% The average age of 1,402 the total 1,344 1,280 equipment base is 1,158 1.7 years 2008 2009 2010 3Q11 R$ millions 2008 2009 2010 Accumulated 2011 CAPEX (POS Equipment) 124.8 215.0 242.0 229.5
  • 5. IMPROVING RELATIONSHIPS WITHCLIENTS IS ALSO A PRIORITY Cielo Fidelidade is the largest B2B loyalty program in Latin America Cielo Fidelidade Scheme: accrual of points based on the merchant’s is the only loyalty volume with Cielo and program developed redemption of points for more exclusively for merchants than 20 thousand products
  • 6. OFFERING THE MOST COMPREHENSIVEVALUE PROPOSITION DATA CAPTURE SOLUTIONS PAYMENT SOLUTIONSCielo POS, Cielo ECR | Mobile Checkout Cielo Creditand IP One Cielo DebitCielo Customized Data Capture | Shared POS, Cielo Parcelado | Parcelado Loja (Installment)Visa Vale Pedágio (Tolls) Cielo Vouchers | Food, AutoCielo Mobile | iPhone, iPad and iPod touch Cielo Financing | Agro / Store, DistributionApp and Android SystemCielo E-Commerce VALUE ADDED ANTI-FRAUD PRODUCTIVITY SOLUTIONS SOLUTIONS SOLUTIONSCielo Premia (Loyalty and Rewards) Cielo Lynx Cielo Vcorp (Corporate)Cielo Saque (Cash Advance) Cielo Stand InCielo Recarga | Prepaid Airtime Cielo MISCielo Correspondente | Banking Cielo Renovaservices Cielo Pre-Auth
  • 7. INNOVATIONS SUCH AS CIELO PREMIA –ONLY CIELO HAS IT CIELO INNOVATES AGAIN WITH ADVANCED TECHNOLOGY CHANGING THE WAY MERCHANTS HOLD PROMOTIONS AT THE POINT OF SALE CIELO PREMIA IS THE MOST FLEXIBLE AND EASIEST TO USE PROMOTIONAL MARKETING TOOL ON THE MARKET
  • 8. PREPAYMENT OF RECEIVABLES IS COREAND CIELO’S FOCUS IS PROFITABILITY 12,000 10,508 8.00% 10,340 * This product 7.00% 10,000 7.4% was included in our portfolio at 6.00% 8,000 6,781 6.4% 7,323 5.00% the end of 2008 ( 6,000 5.0% 6.2% 4.00% only for spot 3.00% credit). 4,000 In 2009 we started operating with 2.00% 2,000 831 1.00% credit in 0 0.8% 0.00% installments 2008 2009 2010 9 Months 10 9 Months 11 Financial Prepayment Volume % Prepayment over Credit Financial Volume Revenue of Prepayment of Receivables ex Adjustments (R$ million) 403 47.5% 418.4 283.6 Average Ticket of R$2.3 thousand (as 218.1 of 3Q11) 17 2008 2009 2010 9 Months 10 9 Months 11
  • 9. EVEN AT THE LOWEST COST PER TRANSACTION IN THEINDUSTRY, DISCIPLINE ON COSTS IS THE FOCUS Evolution fo the Unit Cost (R$ per transaction) 0.307 0.288 0.292 0.282 0.273 Additional costs related to brand Unit cost fee and 0.285 0,260 Unit cost ex additional of brand subsidiaries are 0.251 0.249 0.229 fee and subsidiaries getting more relevant. 2008 2009 2010 9 Months10 9 Months11 Expenses (R$ per transaction) 0.127 0.117 0.128 Operating 0.109 0.106 exepenses primarily impacted by marketing, composed of: Institutional; Trade marketing; Expenses with 2008 2009 2010 9 Months10 9 Months11 sales.
  • 10. POSITIVE MACROECONOMIC SCENARIOAS A DRIVER Resilient GDP growth for 2011: 3.2% Low unemployment rate 6.0% in September/11 More credit availability R$1,929 billion in September/11 or 48.4% of GDP Strong domestic retail sales Up 5.3% y-o-y in September/11 SOURCE: BACEN, FOCUS REPORT
  • 11. DIFFERENT INITIATIVES TO FOSTER CARD ADOPTION Banks New products and initiatives to increase card activation/use Government Increased use of AcquirerFormalization of economy Heavy use of technology to Increased tax collection electronic means of develop new products and payment ways to capture transactions Brands Educational campaigns and new products
  • 12. FORWARD THINKING POSITIONINGBEYOND CORE BUSINESS VAN* Services Non- Payment Transactions MOBILE E-COMMERCE Payment Transactions CARD PRESENT CARD NOT PRESENT1 * VALUE ADDED NETWORK7
  • 13. CIELO: WHY INVEST?Leader in a fast growing marketStrong balance sheet, high cash generationand low CAPEX requirementsMinimum dividend pay out of50% of net profit* distributed twice a yearFocus on innovation andcontinuous growth * AFTER CONSTITUTION OF LEGAL RESERVES

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