BUSINESS AND PRODUCT

DEVELOPMENT

LUIZ H. DIDIER HEAD OF CLASSIC PRODUCTS

2

Forward-looking statements also include information regarding our possible or

assumed future operating results, as well as statements preceded or followed by,

or that include, the words ''believes”, ''may”, ''will”, ''continues”, ''expects”,

''anticipates”, ''intends”, ''plans”, ''estimates”, or similar expressions.

Forward-looking statements are not guarantees of performance. They involve

risks, uncertainties and assumptions, for they relate to future events, thus

depending on circumstances that may or may not occur. Our future results and the

creation of value to shareholder s may differ significantly from those expressed in

or suggested by these forward-looking statements. Many factors determining

these results and values are beyond Cielo’s ability to control or predict.

The Company makes forward looking statements that are subject to risks

and uncertainties. These statements are based on the beliefs and assumptions

of our management as well as on information currently available to us. Forward-

looking statements include information regarding our current intent, beliefs or

expectations, in addition to those of the members of the Board of Directors and

Executive Officers of the Company.

DISCLAIMER

3

BUSINESS AND PRODUCT DEVELOPMENT

BUSINESS AND PRODUCT DEVELOPMENT SCOPE Marketing

Innovation and Emerging Products

New Business and Strategic Planning

Business Development Classic Products

4

E-COMMERCE

HIGHLIGHTS

Financial Volume Breakdown

9%

91%

2012

21%

79%

2020

Cielo

E-commerce

5

Complete Platform, with advanced

technology and high service capacity

Integrated performance with Braspag,

largest gateway in Latin America

MyCheckout: solution for “1 click

shopping” that increases sales

conversions

Scoring with analysis of risk of fraud,

per transaction, and integrated with

CyberSource

PIONEERING First company to launch mobile payments

solution (Dec/10)

PORTFOLIO Payment Solution through mobile number

with Paggo

SECURITY Low incidence of fraud, with rates close to other

solutions (such as POS)

LEADERSHIP Largest Operation of mobile payments in

Latin America (over 200,000 downloads)

INNOVATION Launch of Chip & Pin solution in 2013 • Same level of security as a physical transaction

. Debit, Voucher and Crediário, for the entire base

• Improved reliability of capture (device+app)

MOBILE PAYMENTS

MOBILE PAYMENT NEWS

7

Cielo Mobile App Cielo Chip&Pin

M4U

8

Unique acquirer that offers top up with card

Product remunerates the merchant according the top up distribution

Launch of the top up solution in cash through Cielo´s POS in 2013

THE 4 TELECOM OPERATORS

BRAZIL INTEGRATED WITH

LARGEST TOP UP PLATFORM IN

Unique Brazilian payment platform integrated with Facebook

Pilot in progress, with expected expansion in 4Q13

B2B2C solution for the merchants to

attract and retain consumers, promoting

and publicizing campaigns on social

networks

SOCIAL NETWORKS LINKCI

CIELO PREMIA INNOVATION

DYNAMIC CURRENCY

CONVERSION

Capture of additional volume from foreigners in Brazil in the

World Cup Year

Total Management of the results

All the promotions concentrated in the

Cielo´s equipments.

All can participate in campaigns without

previous registration

CIELO CLIENTS

Purchase Amount

Cardholder

Card

Issuer

Brand

33.0 MM Cardholders clients

10.5 MM Fidelidade Clients

Fidelidade

Merchants 10

LUIZ H. DIDIER HEAD OF CLASSIC PRODUCTS

RELAÇÕES COM INVESTIDORES

www.cielo.com.br/ri E-mail: ri@cielo.com.br

Telefone: + 55 11 2184 7722

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BUSINESS AND PRODUCT

DEVELOPMENT