Meeting with Investors

       April, 2007




                         1
Disclaimer

This presentation may include forward-looking statements of future events or results according to the
regulati...
Company Overview




                   Company Profile




                                     3
Leading Technology Services Provider in Brazil

                                The largest independent administrator of  ...
CSU is the Backbone of the Credit Card
Business of its Clients
                                    CARDHOLDER
            ...
Our Excellence in Credit Card Administration
Fostered Other Leading Business Units

Full Service
                         ...
Company Overview




                   Our Businesses




                                    7
Attractive Industry Fundamentals to
Credit Cards…
          Brazil is the 3rd largest card issuer
          Brazil is the ...
… And the Call Center Industry Showing
 Consistent Growth Potential

          Historical Growth – Brazilian Call
        ...
Leading Competitive Position Among
  Independent Players
                    Market Share:
                    Market Shar...
CSU – Strong and Diversified Clients Portfolio




                                                 11
Caixa Econômica Federal Project

Implementation expected for second quarter of 2007;

The largest contract in industry
(~ ...
Financial Information




                        Operational and Financial
                        Information




      ...
Ope
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Reunião com investidores somente em inglês

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Reunião com investidores somente em inglês

  1. 1. Meeting with Investors April, 2007 1
  2. 2. Disclaimer This presentation may include forward-looking statements of future events or results according to the regulations of the Brazilian and International securities and exchange commissions. These statements are based on certain assumptions and analyses by the Company that reflect its experience, the economic environment, future market conditions and expected events by the company, many of which are beyond the control of the Company. Important factors that may lead to significant differences between the actual results and the statements of expectations about future events or results include the company’s business strategy, Brazilian and International economic conditions, technology, financial strategy, financial market conditions, uncertainty regarding the results of its future operations, plans, objectives, expectations and intentions, among others. Considering these factors, the actual results of the company may be significantly different from those shown or implicit in the statement of expectations about future events or results. The information and opinions contained in this presentation should not be understood as a recommendation to potential investors and no investment decision is to be based on the veracity, current events or completeness of this information or these opinions. No advisors to the company or parties related to them or their representatives should have any responsibility for any losses that may result from the use or contents of this presentation. 2
  3. 3. Company Overview Company Profile 3
  4. 4. Leading Technology Services Provider in Brazil The largest independent administrator of 12.1 16.2* million cards credit cards 56% of market share One of the largest independent call center 3,582 Workstations services provider in Brazil Leading collection services provider 701 Collection Workstation Leading loyalty programs management 3.1 million managed accounts Gross Revenues in 2005** Gross Revenues in 2006 R$ 336 mm R$ 354 mm TeleSystem TeleSystem 49% 45% CardSystem Credit&Risk 36% CardSystem Credit&Risk 35% 15% 11% MarketSystem MarketSystem 1% 8% * Data of Dec/06. Includes the cards from Caixa Econômica Federal Contract ** MarketSystem - 2005 shows figures for December only. 4
  5. 5. CSU is the Backbone of the Credit Card Business of its Clients CARDHOLDER Card Issuance Billing Customer Support/ ACQUIRER – NETWORK Call Center ISSUERS Credit analysis and Authorization processing Collection Processing Operational Control Other COMMERCIAL CREDIT CARD BRAND ESTABLISHMENT Purchase Data exchange Withdrawal Fraud Prevention CSU Provides its Clients a Fully Outsourced Solution to Card Administration 5
  6. 6. Our Excellence in Credit Card Administration Fostered Other Leading Business Units Full Service Credit System Customer Electronic Card and Fraud Interchange Transaction Operational Loyalty development/ Support Issuance Collection Prevention Control Programs Implementation Process analysis New Business Opportunities Diversification brought us: New business opportunities/ cross-selling Lower costs from scale gains High switching cost 6
  7. 7. Company Overview Our Businesses 7
  8. 8. Attractive Industry Fundamentals to Credit Cards… Brazil is the 3rd largest card issuer Brazil is the 3rd largest card issuer Most Used Credit Instruments in Brazil Most Used Credit Instruments in Brazil C.C Interest Free Purchases 59% UK 140 Brazil 192 Payment Book 37% China 206 C.C. Interest Bearing USA 796 Purchases 21% C.C. Minimum Payment Invoice 16% Million cards, in 2005 C.C. Payment in Equal Number of Credit Cards -- Brazil Number of Credit Cards Brazil Installments 15% Million 78.0 Overdraft Facility 15% 68.0 52.5 Personal Loans 8% 47.5 % 41.5 19 35.3 GR CA 28.0 Real State Loans 3% 23.6 Payroll Deductible 3% Credit 1999 2000 2001 2002 2003 2004 2005 2006 Source: Abecs 8
  9. 9. … And the Call Center Industry Showing Consistent Growth Potential Historical Growth – Brazilian Call Historical Growth – Brazilian Call Potential Growth – Brazilian Call Potential Growth – Brazilian Call Center Services Revenue* Center Services Revenue* Center Services Revenue** Center Services Revenue** Annual Growth % Annual Growth % % 13 GR CA % 30 GR CA 12% 13% 15% 21% 60% 20% 25% 2002 2003 2004 2005 2006 2007 2008 2009 2010 +15% * Source: ABRAREC ** Source: IDC 9
  10. 10. Leading Competitive Position Among Independent Players Market Share: Market Share: Leading Independent Call Center Operator Leading Independent Call Center Operator Credit Card Processing Segment * Credit Card Processing Segment * In Outsourcing 5 largest independent players TMS 12% Fidelity 17% Teleperformance Softway 36% 14% Telefutura 17% Orbitall 27% TeleSystem and 56% Credit&Risk 21% * Notes: - CSU’s Market Share considers credit cards from Caixa - Orbitall: 100% owned by Itaú 2006 data - Fidelity (51%): 49% owned by ABN Real and Bradesco Sources: Cardnews and IDC 10
  11. 11. CSU – Strong and Diversified Clients Portfolio 11
  12. 12. Caixa Econômica Federal Project Implementation expected for second quarter of 2007; The largest contract in industry (~ 4.1 million of active credit cards); Strong growth potential; Contract establishes a two-year initial service rendering period 12
  13. 13. Financial Information Operational and Financial Information 13
  14. 14. Ope

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