2020 TREEZOR : FRENCH BAAS LEADER Launched in June 2016 Licensed by - PowerPoint PPT Presentation

2020

TREEZOR : FRENCH BAAS LEADER Launched in June 2016 Licensed by the French regulator (ACPR) as an Electronic money institution (EMI) with payment services Passported in Europe , Treezor can operate throughout the European Economic Area. Mastercard Principal Member connected to the SEPA network 100% part of Societe General Group since 2019 Top 20% startups rated by Early Metrics Top 5 Fintech FW500 Ranking 2019 2

OPEN-BANKING TO MEET THE NEEDS OF FINTECHS AND BANKS Treezor is now supported by Société Générale, which brings its industrial capabilities expertise, its network and its products : payment services, foreign exchange and credit. The merger with Société Générale gives Treezor the capacity to offer an open-banking solution and meet the needs of the Fintechs & Banks with a strategy of acceleration and international development . X > Agility Financial support > Time-to-Market Banking Services > Innovation International network > Technical expertise Banking expertise 3

FINTECH ENABLER AND SUCCESS MAKER Our platform today represents a hub for the best French Fintech with whom we share the energy and creativity to accelerate the digital transformation in payments. 3 clients selected in the French Fintech 120 Index ! Qonto Shine +145M€ raised +10M€ raised Lunchr Lydia +60M€ raised +30M€ raised 4

OUR KEY FIGURES X 3 Turnover growth (2019) 850 k Cards issued 60 19 15 Clients Million € Turnover Billion € of Money in 2019 streamed in 2019 5

OUR INTERNATIONAL TEAM 14 80+ nationalities talents (at least!) (soon more!) 29 40% Years old women average (soon more!) 6

A UNIQUE IN-HOUSE EXPERTISE Paytechs Banks Fintechs IT & Consulting Payment Regulators & Associations 7

BAAS PLATFORM 100% API Treezor manages the entire chain of payments, both in terms of acceptance and issuance . CORE-BANKING SYSTEME Connect your interfaces Treezor’s API ▪ Offer customized payment services to your clients ▪ KYC & X-PAY COMPLIANCE SEPA CARD PROCESSING PROCESSING CARD CARD ISSUING ACQUIRING CHECK ACQUIRING 8

FUNCTIONAL OVERVIEW TREEZOR SERVICES CASH IN CASH OUT PAYMENT PAGE ONE CLICK ACCEPTANCE OF LOCAL AND INTEGRATED & CUSTOMIZED PAYMENT INTERNATIONAL PAYMENTS CREDIT CARD CARD MASTERCARD WITHDRAWAL SEGREGATED FEE BACK-OFFICE ACCOUNTS COLLECTION W W IBAN IBAN BIN SPONSORSHIP NFC VIRTUAL CARD SEPA TRANSFER SEPA TRANSFER SCT / SDD PERSONNAL ACCOUNT OTHER ACCOUNT 3-D SECURE FRAUD MANAGEMENT KYC MANAGEMENT 9

REGULATORY OPTIONS BANK Treezor license + platform Treezor only as technical provider Treezor BIN Sponsorship : Scheme Mastercard Scheme choice Core-Banking Treezor & Your IBAN Core-Banking & IBAN Treezor KYC & Compliance under your responsibility KYC & Compliance included 4 X months to launch your months to launch your Digital Banking solution Digital Banking solution 10

OUR STRENGHTS Quick time to the market thanks to our licenses A secure and reliable 100 API-based platform Tailored technical support The most innovative payment card issuing solution A committed and experienced team An innovative solution for the European market Tailor-made offers and competitive prices A one-stop shop platform for all payment services Real time transactions, improving the UX Data hosted in France / Europe 11

FOUNDERS • 3 experts in payments and of the banking sector at the origin of the Treezor platform. ANNEX CEO COO CTO Grégoire Bourdin Eric Lassus Xavier Labouret Expert du secteur financier Expert de l’industrie du paiement Expert en systèmes d’information Co-fondateur de Treezor Co-fondateur de Treezor Co-fondateur de Treezor CEO HiPay Co- fondateur d’Ameliste Co- fondateur d’Ameliste 2005 : Contrôleur Financier chez Omnicom 1988 : Ingénieur IBM, architecte des systèmes 1998 : Responsable Matériel chez Vinci au 2007 : Auditeur Télécom/média chez KPMG d’informations grands comptes. Gabon. 2008 : Directeur Financier de HiMedia. 2003 : Manageur International au sein de 2000 : Consultant en Organisation & SI Banque 2012 : CFO de BJ Invest, gestion de la stratégie Euroclear Bank, Projets stratégiques. au sein de Mega Internationnal. d’investissement 2006 : Co-fondateur du site 1er site de liste de 2002 : Architecte SI pour le compte de Euroclear. 2014 : Co-fondateur de Treezor, 1ere mariage en ligne AMELISTE. 2006 : Co-fondateur du site 1er site de liste de plateforme française de Bank-as-a-Service. 2014 : Co-fondateur de Treezor, 1ere plateforme mariage en ligne AMELISTE. 2016 : CEO Hipay française de Bank-as-a-Service; 2014 : Co-fondateur de Treezor, 1ere plateforme française de Bank-as-a-Service; 12

SERVICE OVERVIEW CARD ISSUING ACQUIRING SEPA PAYMENTS BIN SPONSORSHIP PAYMENT PROCESSING WIRE TRANSFER & DIRECT DEBIT Card acquiring & checks • Virtual card • Bank Transfer SCT • Other payment methods • 3-D Secure • Peer-to-Peer • Customize payment page • Apple / Samsung / Google Pay • SEPA Direct Debit Core • One-click payment • Dynamic card settings • SEPA Direct Debit B2B • 3-D Secure on/off • BIN Sponsorship • IP (Q2 2020) • Full Service solution • Credit (S2 2020) • E-Signature (S2 2020) • • Multi-currency (S1 2021) • International Transfers (S1 2021) MARKETPLACE CORE-BANKING KYC CROWDFUNDING E-WALLET COMPLIANCE • Segregated accounts KYC / KYB • • E-money • Flow distribution Live video (Q2 2020) • • Wallet with IBAN • Fee collection PEP Check / Sanctions Lists • • Transfer and Refund • White label online Pot Flow Monitoring • • Account management Fraud Management • • Agregation & IP (Q3 2020) 13

KYC Treezor provides a white label KYC (Consumer) / KYB (Business) service, available through API, to verify the identity of account holders or cardholders. This digital solution is based on an automatic analysis of supporting documents and a manual verification of the entire file transmitted by a Treezor agent. ID, passport, proof of address, residence permit ... This service meets the regulatory obligations in the fight against money laundering and terrorism. As a certified payment institution, Treezor is responsible for protecting the information collected. 14

CARD ISSUING Our solution offers the possibility to issue payment cards fully customized with your brand to best suit the development of your business in Europe. Treezor takes care of the implementation of the card program with the different partners (scheme, processor, card printer ...) and allows you to quickly launch your product. The Treezor solution allows the creation of tailored card programs for businesses and consumers around specific uses: payment, incentive, gift ... The offer is based on a Mastercard payment card, physical or virtual, associated with an account (wallet). 15

IN APP/ONLINE STATE OF THE ART CARD MANAGEMENT Main available features : ▪ PIN code customization My Card Card freeze (on/off) ▪ ▪ Virtual card ▪ Apple Pay / Samsung Pay / Google Pay Setting of card limits (payments, withdrawals ...) ▪ ▪ On/off settings (Withdrawals, Online Payments , Contactless ) ▪ Controls by geographical area (Euro zone / Europe ....) o by currency (Euro / GBP ...) o by time bands (9 am – 9 pm, ...) o By day types (working days , excl. Sunday, ...) o by merchant categories (restaurants, hotels ...) o + Capability to inform cardholders in real time thus drastically reducing direct customer inquiries and saving a lot of time for both employees and customers. • card delivery , receipt of funds, card spend, suspicious transactions, etc. 16

NEOBANK Treezor Core-banking system provides the opportunity to quickly develop innovative financial products by limiting investment, risk and development time. A solution via API that simplifies integration and offers a quick time-to-market to our clients whom can therefore stay focused on their Marketing, brand identity, client service … Treezor is able to assign for each user whose KYC is validated, a wallet with a dedicated IBAN FR and a payment card, physical or virtual, personalized. Treezor ensures the protection of the personal and financial data collected, and is in charge of the several reportings requested by the schemes and regulator. 17

BUSINESS CASE TIME-TO-MARKET 4 MONTHS ACTIVE CARDS 150,000+ THE PROJECT Created in 2011, Lydia launched its payment application in ▪ 2013. Originally, it was developed to be a peer-to-peer payment application, aiming at easing the way people can pay back their debts and share money digitally between friends, by registering any bank card into the app and paying by scanning the QR code of a friend having registered the app too. ▪ In 2020 the company made its biggest roundtable raise with Tencent. THE MARKET KEY FIGURES ▪ In France, 3 million people already use the Lydia application ▪ Expanding in new EU markets ▪ Tranforming into a B2C neobank More than 53 million euros raised (40 millions in 2020) ▪ PARTNERSHIP WITH TREEZOR ▪ 150,000+ active virtual and physical cards First application to get Apple Pay in France ▪ Instant virtual card issuing ▪ WITH ▪ Real-time card limits & restrictions management ▪ Real-time payment notifications ▪ Card printing with innovative design 18