PARTNER BANKS

Societe Generale: a strong growth group, a key player in the French card market.

• 80,000 merchants
• 4,900 ATMs
• 5,5 million cards in circulation amounting to 37 Billion EUR spent per year.
• 280,000 commercial cards in circulation
• 100,000 Corporate Cards with 500 Million EUR spent
• 15,000 French companies use our corporate cards
• 25% market share of the corporate card market

A Comprehensive Commercial Card Offer

• Corporate Card
• Purchasing Card
• Lodged Card Solution
• Business Card
• Payroll Cash Card

Nordea has around 10 million customers, more than 1,200 branch offices and a leading netbanking position with 4.8 million e-customers. The Nordea share is listed on the OMX Nordic Exchange in Stockholm, Helsinki and Copenhagen.

The Nordea Corporate Payment Solution is called First Card (MasterCard) Based on corporate or private liability. All services are all linked to one platform in the Nordics, thus we are able to provide a true Nordic corporate payment solution where all additional First Card product features such as e-invoicing and expense reporting systems can easily be implemented simultaneously. We offer a Travel Account linked to major Nordic Travel Agencies and transactions are sent by e-files from the travel agency online to First Card. The transactions can to be allocated to a separate Travel Account invoice or integrated with card invoice to the cardholder.

Deutsche Bank Italy (DBI) has been active in the Italian market since 1969, when we issued the the first consumer credit card. Since then we have built on our international scale and local knowledge to develop a competitive card programme for businesses within Italy.

Some key facts:

• DBI has both a card issuing and merchant acquiring business. DBI can undertake a range of card transactions (face to face, MO-TO, Internet) due to its access to the latest POS solutions and its robust IT infrastructure
• DBI has a card portfolio with over 1.3 million cards issued under both the VISA and MasterCard schemes.
• Total cardholder turnover is over €2.8 billion (2008)
• DBI’s merchant acquiring business has more than 11,000 merchants generating a global turnover of €2.3 billion.
• DBI has a market leading commercial cards business (25%) with over 11,000 companies in its portfolio.
• The DBI Corporate Card programme has attracted some of the largest domestic businesses together with a number of multinational clients.
• DBI issues Business, Corporate and Purchasing cards. Each card programme can be customised to client specific requirements and be issued under the VISA or MasterCard schemes.