Earnings Call 4Q22

Guidelines and Legal Warning

Good morning everyone, welcome to CSU's conference call regarding the fourth quarter and full year results from 2022. Present in the videoconference today are our CFO Guilherme Rocha, our IR Officer, Pedro Alvarenga, and the Company's IR team. This conference call is being recorded and all participants will be able to listen, see the speakers and follow the presentation.

The presentation will be in Portuguese with simultaneous English translation. For those who wish to listen to the presentation in English, just press the "Interpretation" button on the bottom right corner of the screen and choose the English option.

This presentation may include statements that represent expectations regarding company's future events and results, according to the Brazilian and international regulation of marketable securities. Those declarations are based on suppositions and analyses made by the Company, in accordance with its experience, economic environment, market conditions and future events expected, many of which are outside the company's control. Important factors that may lead to significant differences between actual results and disclosed expectations about future events and results include the company's business strategy, the Brazilian and international market conditions, technology, financial strategy, clients developments, financial markets conditions, uncertainty regarding its future operations, plans, goals, expectations, intentions, among others. Due to these factors, the actual company results may differ significantly than those pointed out or implicit at the expectations and declarations regarding future events and results. The information and opinion hereby displayed should not be understood as investment recommendation to potential investors, and no investment decision should rely upon the veracity and completeness of that information and opinions. None of the company's representatives will have any responsibility regarding eventual losses that may happen as a result of the use of this presentation's content.

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Company´s History

PIONEERING AND INNOVATION

Transformation 2020+

Construction 1992 - 2005

  • First independent card processor in Brazil
  • First company to work simultaneously with major international card networks
  • Agent of Transformation in the Credit Card industry
  • Launch of the new Loyalty and Customer Experience verticals

Consolidation 2006 - 2019

  • First company in its segment to go public
  • Becomes a broad-based processor of payment methods
  • Evolution and diversification of our business through acquiring, consigned and OPTe+ (proprietary marketplace)
  • Largest Credit Card processor in Latin America
  • Provider of complete technological solutions for financial services
  • New digital products and solutions: digital card, virtual card, digital wallets, wearables and NFC
  • New growth avenues: Instant payment - Pix, Pix Credit, Cryptocurrencies, BaaS, Business Process Management
  • New brand, ticker and visual identity

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Solutions' Portfolio

THE MOST COMPLETE FINANCIAL SERVICES PLATAFORM

Payment Methods

Full service for Cards, Pix, Pix Credit

and Cryptocurrencies operations

Banking as a Service

Technology for Digital Accounts (customer or enterprise) and financial services (Marketplace) via API or Whitelabel APP

Loyalty & Incentive

Infrastructure and Management of Loyalty Programs (Points and Cashback), Incentive and of marketplaces for redemption or purchase

¹ Business Process Management

Customer Experience

Technological infrastructure and Front-office people for customer service, monetization and collection

Pays DX

Middle Office

Complete unified BPM¹ platform for

Exchange, Fraud Prevention,

Onboarding and Data Curation

Developed

Under

Initial Stage of

4

Development

Development

Technological and Operational Robustness

DIGITAL CONVERGENCE IN AN INCREASINGLY COMPLEX ENVIRONMENT

National and

International political scenario

Hybrid

Platform

Digital

Multi-products,

Pays

credit,

Digital Wallets

investment,

insurance etc.

Multiregions,Multi-currency,

globalizationmulti-bank, pix/payment account

Cybersecurity

Regulatory

issues

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Disclaimer

CSU Digital SA published this content on 22 March 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 22 March 2023 13:02:01 UTC.