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CREATING THE FUTURE OF DIGITAL VALUESNets is specialising in managing digital values through the delivery of strategic consulting and IT solutions

Vision and mission

OUR VISION Creating the future

of digital values

OUR CODE Being Accountable, Customer driven &

delivering results Together are the guiding

lights of our work

OUR MISSION We enable more efficient societies and businesses through digital values

OUR STRATEGYTo become a top 3 player in Europe specialised in managing digital values. The company is a strategic supplier to its customers, founded on safe and stable operations.

Nets’ in brief

33m33 million cards

on Nets’ platforms

500,000More than 500,000 merchants serviced

7.8mMore than 7.8 million digital identities issued

500,000More than 500,000 terminals interactwith Nets

45%45% of the Nordic market

for card processing

More than 2,500 skilled employees

Over DKK 6.6 billion in revenues

140,000Creditors use or

services along most

households in Norway

and Denmark

Customers work with us as their trusted partner within financial services.

Together with Nets our customers benefit from an international network, which facilitates the exchange of digital payments, identity and information – what we call “digital values”.

Who we are

Behind everything we offer there is a simple promise: Digital values managed by Nets connects you to a simpler, smarter and safer way of doing business.

5

Digital values are our DNA

DIGITAL INFORMATION

DIGITALMONEY

DIGITALIDENTITY

Distribution of invoices and documents

Digital post and e-archive

Electronic invoicing

eID

Signing & idenfication

Payment cards

Direct debet services

Clearing services

Financial acquiring

Payment terminas

Mobile and card services

SECURITY

TRUSTSTABILITY

6

The financial services market is changing – but the core of Nets remains unchanged

SecurityTrust

Stability

RegulationNew

business model

New technology

New user experience

7

We are changing our organisation to better serve customer needs and decrease time-to-market

We will invest and create new opportunities for our customers

7 NEW BUSINESSES ALIGNED WITH CUSTOMERS & MARKETS

SIGNIFICANT INVESTMENTS IN SECURITY AND STABILITY

INVESTMENT IN PRODUCT DEVELOPMENT

GROWTH IN NORDIC MARKETS THROUGH BOTH ACQUSITIONS AND ORGANIC DEVELOPMENT

FULL VALUE-CHAIN OWNERSHIP TO SECURE CUSTOMER DELIVERY

INCREASE CUSTOMER FOCUS

STRENGTHEN SECURITY & STABILITY

MORE INNOVATIVE PRODUCTS

NORDIC PARTNER

CREATE SCALE OF ECONOMIES FOR OUR CUSTOMERS

7 customer focused businesses

8

PAYMENT SERVICES

DOMESTIC CARDS SERVICES

ESECURITY SERVICES

DIGITISATION & INFORMATION SERVICES

MERCHANT SERVICES

CARD SERVICESAcquirer services | Issuing services | Card management | Wallet

CLEARING SERVICES DK & NO clearing | Real-time clearing

Account-to-Account payments

Financial acquiring | POS | e-commerce

National cards

National & International eID solutions

Information solution | Digitisation solutions

With Nets you benefit from a strong digital ecosystem

MERCHANTS

BUSINESS & PUBLIC SECTOR

DATA CENTERS

CONSUMERS

BANKS

PARTNERS

Key services for customers

BANKING SECTORBANKS, BUSINESSES

& PUBLIC SECTOR MERCHANTS

• Card schemes

• Direct debit schemes

• Electronic ID schemes

• E-invoice solutions

• Clearing services

• Card management services

• Acquirer services

• Back-end processing

• Issuer services

• BPO services

• Information services

• Digitisation services

• Mobile solutions

• Terminal solutions

• POS and PSP services

• Financial acquiring

• E- and m-commerce

• Prepaid and vouchers

Your possibilities with Nets

A GATEWAY TO EUROPE and the Nordic regionWe are based in the Nordic region, and follow our customers into new markets

UTILISE STANDARDSCompetitive and less

expensive transition to international standards for

our customers

COMPETITIVE SKILLS WITH LOCAL KNOWLEDGEA competent, solid and safe partner with strong Nordic roots

INCREASE SCALEBoth banks and their customers have the

opportunity to centralise and streamline their solutions

CHOOSE FROM A BROAD PRODUCT

PORTFOLIONets has one of the most extensive and innovative

product portfolios for cards and payments in Europe

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Founded on Nordic roots and expertise

Nets’ strong presence in the Nordic market means that we know local

market conditions, legislation and trends better than most. We speak the

local languages, and we are therefore quick to adapt to our customers’

need and demands.

Copenhagen-HQ Copenhagen Oslo-Rommen Oslo-Skøyen

Stockholm Helsinki Talinn

Organisation designed to meet customer demands

CEOBo Nilsson

CFOKlaus Pedersen

Merchant ServicesAsger Hattel

Card ServicesSusanne Brønnum

Sector & Information Services

Freddy Haraldsen

TechnologyPia Jørgensen

HRRagndi Robøle (Interim)

OperationsNiels Mortensen

CommunicationKarsten Anker Pedersen

LegalJens Heurlin

Payment ServicesFrode Åsheim

Clearing Services

Domestic cards

eSecurity Services

Digitisation & Information

Services

14

Stig F. Poulsen

CFO (interim)

Freddy Haraldsen

Sector & Information Services

Asger Hattel

Merchant Services

Susanne Brønnum

Card Services

Pia Jørgensen

Technology

Frode ÅsheimPayment Services

Executive Committee

Bo Nilsson

CEO

Niels Mortensen

Operations

15

Board of directors

Inge K. Hansen

Chairman

James Brocklebank

Advent International

Lars Morten Haga

Nets Norway AS

Humphrey Battcock

Advent International

Robin Marshall

Bain Capital

Luca BassiBain Capital

Ove Kolstad

Nets Norway AS

John Helmsøe-Zinck

Via Venture Partners

Frank A. Olsen

Nets Denmark A/S

Ulrik Røikjær Thomsen

Nets Denmark A/S

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Nets’ owners

Founded in 1984, Advent International is one of the largest and most experienced global investors dedicated solely to private equity. Since inception, the firm has invested in more than 290 buyout transactions in 39 countries and today has EUR 23.0 billion in assets under management.

Advent International has deep experience in the Nordic IT sector through it’s investment in Danish KMD.

Founded in 1984, Bain Capital is one of the world's foremost privately-held alternative investment firms, with more than DKK 370 billion of assets under management.  The firm has made private equity, growth, and venture capital investments in more than 450 companies, across a variety of industries.   Bain Capital has a strong track record of investments in the payments processing, financial services and technology sectors, including its investments in WorldPay.

ATP manages DKK 618 billion in pension savings for 4.8 million people and is one of Europe’s largest pension investors. The objective of ATP’s investments is to protect and maximize the purchasing power of pension savings.

ATP Private Equity Partners handle private equity investments on behalf of ATP. ATP Private Equity Partners was formed in 2001, and has since then focused on investments in private equity funds as well as co-investments with such funds.

Via Venture Partners is among the largest investors in the Nordic region dedicated to IT company investments. Via Venture Partners Fond I & II are subsidiaries of the ATP Group.

Historicaldevelopment

196869

70

72

86

03

05

06

20070708

09

2010

12

The foundation stone of PBS is laid by the Danish banks

Commercial banks in Norway

Bankkort AS is founded

BBS is founded

BBS acquires Ingenico AB

PBS buys PBS International

BBS and PBS create the joint venture companyNETS, offering card processing services

2000

BBS acquires LD Betalingssystemer

BBS acquires LD, PBS acquires Auriga

BBS acquires Sagem Denmark

Nets is created

Nets acquires Luottokunta, Finland

Nets is acquired by Advent International,

Bain Capital & ATP2014

PBS is established as a company

PBS is split up into three separate companies

Nets historic business milestones

68 7369 74 83 91 94 96 97 00 04 05 08 10 12

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Thank you