Euronet Worldwide Inc.

OVERVIEW

We are Global, Diverse, Dynamic

www.euronetworldwide.com
EURONET AT A GLANCE

EURONET is a leader in electronic payment and transaction

processing solutions for Financial Institutions, Retailers, Service
Providers and Individual Consumers. With a global footprint we
provide compliant solutions that make financial transactions easy
and affordable, any time, any place.

EURONET WORLDWIDE Inc. EURONET EFT SEGMENT

Revenue $2,482.7 million in 2020 >45,000 ATMs under management

Processed 5.8 billion transactions in 2020 3.28 billion transactions worldwide

EURONET services clients in ~175 countries 139,000 ATMs with Value Added Service

Founded in 1994 3,100 ADTs enabling cash deposits

Listed on U.S. NASDAQ (EEFT) since 1997 >150 Airports in Europe and USA

7,100 employees worldwide 61 Countries Worldwide

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HISTORICAL FINANCIAL PERFORMANCE

Revenue Adjusted EBITDA

$3 000 $700
$600
$2 500
17 % 7%
GR = $500 R=1
$2 000
CA $400 CAG
$1 500
$300
$1 000
$200
$500 $100
$0 $0
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

Adjusted Earning Per Share Transactions

$8,00 $7,01 5 000

$6,00 $5,53 4 000

$4,58
$4,02 3 000
$4,00 $3,32
$2,59 2 000
$2,04
$2,00 $1,31 $1,36 $1,48 $1,57
1 000
$0,00 0
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

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GLOBAL ASSETS
ATMs & Payments Processing, Digital Content Distribution & Money Transfer

Electronic Funds ePay Division Money Transfer

Transfer Division

A Solution for Every Content Distribution Worldwide

Banking Need to Leading Brands Money Transfer
and Change

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 GLOBAL PAYMENT INFRASTRUCTURE

REV

COMMON TECHNOLOGY SUPPORTING THE THREE BUSINESS SEGMENTS

COMMON DIGITAL CHARACTERISTICS ACROSS THE THREE BUSINESS SEGMENTS:

MONEY TRANSFER PAYOUT QR AND BAR CODE PAYMENTS DIGITAL MONEY TRANSFER KYC
CARDLESS TRANSACTIONS DIGITAL CODES BIOMETRIC PAYMENTS OPEN APIs

PHYSICAL ASSETS GEOGRAPHIC ASSETS DIGITAL ASSETS

45, 000 1.1 million 490,000 Network Reaches 84 million 265 million SAAS 139,000 Digital Connections to
ATMs POS terminals MT Locations 175 Countries App Downloads Unique Digital Users Assets SAAS ATMs Leading Global Brands

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#1 INDEPENDENT ATM DEPLOYER IN EUROPE

45,000 ATMs under management.

Operation in 61 countries;
own ATM Networks in 28 countries in Europe

Partner with 500+ financial institutions

3.28 billion transactions processed Driving

~375,000 POS terminals

>150 Airports in Europe and the US

Launch soon

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epay
A Leading Provider of e-payment Services

Key services include mobile top-up, prepaid debit cards, gift cards, prepaid digital content, bill payment,
electronic payment, transport / ticketing, lotteries, software, online video games and vouchers

Direct relationships with multinational and independent retailers: over 200 agreements with mobile operators and
100+ agreements with non-mobile content providers

Processing in 60 countries across Europe, Asia, Australia & New Zealand, and the Americas

~748,000 ~333,000 ~1000 2.40 billion

POS terminals retailer locations brand partners transactions
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MONEY TRANSFER
A Leading Global Money Transfer Provider

Key services include money transfer,

foreign currency exchange, bill payment,
check cashing, prepaid phone cards,
money orders and Ria branded prepaid debit cards

Our network reaches 165 countries

100+ Traded currencies

490,000+ locations

10+ million XE App Downloads

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EFT CORE PRODUCT OFFERINGS
Value Propositions across the Payments Value Chain

Independent ATM Networks,

ATM Outsourcing &
Network Participation,
Operations Management
Asset Purchase

Merchant Services Card Operations

Solutions Issuing & Acquiring

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UNIQUE ATM PROPOSITION

ATM Outsourcing ATM Network ATM Assets

Services Participation Purchase

With our unique purpose-built
ATM processing platform and
our Global Competence Centers
we offer a range of ATM Managed
Services to support and align with
ATM Strategic Priorities of Banks
and Financial Institutions.
At EURONET, we deploy and operate
a world-class ATM network. With the
ATM Network Participation program
we offer Financial Institutions our
expertise and superior locations to
better serve current and prospective
cardholders. Instant increase of
Financial Institutions’ market footprint,
without the need for capital
investments.
We offer Financial Institutions the
option to acquire their ATM Assets,
either off-site or on premise. With
seamless integration with our
Independent ATM Network, we
offer multiple benefits in cost
optimization and market footprint
expansion.

Independent ATM Deployment

With more than 25,000 ATMs own branded in 28 countries in Europe, we make sure we offer the best of service to local
and international customers, based on our own Acquiring License.

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 MERCHANT SERVICES SOLUTIONS
Product & Services Portfolio Overview

With our In-Store Payment Solutions we optimise the user experience with our intuitive DCC PAD
screen, and facilitate the Merchant to accept the transaction. Customers see a competitive
exchange rate, which facilitates quick decision, with no cashier or staff interaction. Our Card-
Not–Present Solution is offered with our Partner AIB Merchant Services, seamlessly integrated in
CARD ACCEPTANCE
our solution.

Dynamic Currency Conversion (DCC) allows you to increase profitability through a new, direct
and recurring revenue stream. With DCC, foreign currency conversion takes place directly and
instantly at the POS, providing full conversion details to the customer. Our proven track-record of
the highest DCC acceptance rates in the industry are a result of a proprietary, smart, patented
DCC SOLUTION
customer interface technology – more cutting edge than any other solution in the marketplace.

Our state-of-the-art Innova Tax Refund Solution, offers Retailers a complete suite of Technology and
related Marketing Services to capture the benefits of a strong international Tax Refund market,
driven by increasing Tourism Flows. With presence in 10 countries (Spain, Portugal, United
Kingdom, Ireland, France, Italy, Belgium, Turkey, Netherlands, Germany) and over 400 refund
TAX REFUND
points around the world, including City Cash and Airports.

Tired of managing different service vendors? EURONET’s all-in-one bespoke solution reduces the
number of processing partners, translating into more profits for the parties involved. A
centralised acquiring infrastructure, with a single provider means leveraged systems,
processes, know-how and savings. We have seamlessly integrated with the renowned PXP and 3C
360 MANAGED SERVICES
Solution portfolio.

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 SECURE FINANCIAL TRANSACTIONS
Any Time, Any Place

www.euronetworldwide.com