| A. GROUP OVERVIEW | 3 |
| A.1 Business profile | 4 |
| A.2 Revenue profile | 5 |
| A.2.1 By Global Business Line | 5 |
| A.2.2 By Geographic areas | 5 |
| A.3 Message from Gilles Grapinet | 6 |
| A.4 Worldline in 2020 | 7 |
| A.4.1 Key graphs | 7 |
| A.5 Group presentation | 11 |
| A.5.1 Formation of the Group | 11 |
| A.5.2 Simplified organizational chart | 14 |
| A.5.3 Subsidiaries and participation | 15 |
| A.5.4 Management and organization | 19 |
| B. THE PAYMENT INDUSTRY | 25 |
| B.1 Card Payments | 26 |
| B.2 Non-card based payments | 28 |
| B.2.1 Credit Transfers | 28 |
| B.2.2 Direct Debit | 28 |
| B.2.3 Instant Payments | 28 |
| B.2.4 Other Alternative Payment Instruments | 28 |
| B.3 Other solutions in and around the payment value chain | 29 |
| B.3.1 Solutions for Traditional Merchants | 29 |
| B.3.2 Value-Added Services for Banks | 29 |
| B.3.3 New digital businesses | 30 |
| B.4 Key market trends and drivers of change | 30 |
| B.4.1 The digital revolution is driving new customer behavior generating significant growth in non-cash payments | 32 |
| B.4.2 Key developments in technology will sustain the growth of electronic payments | 35 |
| B.4.3 Regulatory changes in the payment sector are expected to create new opportunities | 36 |
| B.4.4 New entrants and their impact on the industry business model also create new opportunities for payment services Providers | 37 |
| C. DESCRIPTION OF THE GROUP’S BUSINESS | 39 |
| C.1 Description of the Group’s four Business Lines services | 40 |
| C.1.1 Merchant Services | 40 |
| C.1.2 Terminals, Solutions & Services | 46 |
| C.1.3 Financial Services | 48 |
| C.1.4 Mobility & e-Transactional Services | 54 |
| C.2 Competitive Strengths | 61 |
| C.2.1 A major player in Europe with an expanding global footprint, especially in emerging markets | 61 |
| C.2.2 Comprehensive unique positioning across the extended payments value chain | 62 |
| C.2.3 Leading presence in next-generation payment services | 63 |
| C.3 Worldline’s Business Model | 65 |
| C.4 Worldline: a regulated Group | 68 |
| C.4.1 European Regulation | 68 |
| C.4.2 Regulation applicable outside of the European Economic Area | 70 |
| C.4.3 Compliance with technical standards | 70 |
| C.4.4 Protection of personal data | 71 |
| C.5 Strategy | 74 |
| C.5.1 Scale and reach: fully leverage Worldline Pan-European competitive advantage | 74 |
| C.5.2 Large deals expertise: maintain commercial focus on large outsourcing deals and new bank alliances | 75 |
| C.5.3 Focus on online: grow above market Worldline online and omni-channel payments, leveraging One Commerce Hub and Digital Banking | 75 |
| C.5.4 Innovation and investment: ensure successful market breakthrough with latest differentiating offers | 75 |
| C.5.5 Integration know-how: enable fastest possible delivery of Ingenico and SIX Payment Services synergy plans | 75 |
| C.5.6 M&A track record: more than ever, maintain an absolute priority and focus on the next wave of European payment consolidation opportunities | 76 |
| C.5.7 Make Worldline the n°1 payment industry employer brand through talent & expert attraction and developments policies and Tier 1 CSR achievements | 76 |
| C.6 Technology | 77 |
| C.6.1 IT Platforms | 77 |
| C.6.2 Data Centers and Hardware | 77 |
| C.7 Sales and marketing | 78 |
| C.8 Procurement and suppliers | 79 |
| C.9 Investments | 80 |
| C.9.1 Investments of 2020 | 80 |
| C.9.2 Principal Investments Currently Underway and Planned | 81 |
| C.10 Property Plant and Equipment | 81 |
| C.10.1 Significant existing or planned property, plant and equipment | 81 |
| C.11 Research and Development, Patents and Licenses | 82 |
| C.11.1 Research and Development | 82 |
| C.11.2 Intellectual Property, Patents, License, Usage Rights, and Other Intangible Assets | 82 |
| D. EXTRA-FINANCIAL STATEMENT OF PERFORMANCE | 85 |
| D.1 Integrating sustainability into Worldline’s business | 86 |
| D.1.1 Worldline’s integrated strategy | 86 |
| D.1.2 Worldline’s CSR ambition | 98 |
| D.1.3 Worldline’s CSR performance | 101 |
| D.1.4 Main key performance indicators | 110 |
| D.2 Building customer trust with reliable, secured, innovative and sustainable solutions | 113 |
| D.2.1 Meet customer expectations [GRI 102-43] [WL4] | 113 |
| D.2.2 Spur sustainable innovation | 115 |
| D.2.3 Ensure system security, reliability & business continuity | 120 |
| D.2.4 Guarantee data protection | 127 |
| D.2.5 Improve customer relationship management | 129 |
| D.2.6 Key performance indicators about business and innovation | 136 |
| D.3 Being a responsible employer | 139 |
| D.3.1 Meet employee expectations | 139 |
| D.3.2 Foster employee well-being at work | 142 |
| D.3.3 Ensure talent attraction & retention | 153 |
| D.3.4 Promote training & human capital development | 158 |
| D.3.5 Key performance indicators about Human Resources | 162 |
| D.4 Ensuring business ethics within our value chain | 169 |
| D.4.1 Meet the highest level of ethics for all stakeholders | 169 |
| D.4.2 Secure compliance with laws and regulations | 171 |
| D.4.3 Fight against bribery and corruption | 177 |
| D.4.4 Develop responsible procurement & due diligence in the value chain | 181 |
| D.4.5 Develop sponsorship and philanthropy in our local communities | 185 |
| D.4.6 Key performance indicators about Ethics and value chain | 188 |
| D.5 Reducing our environmental footprint | 190 |
| D.5.1 Meet society expectations for a sustainable environment | 190 |
| D.5.2 Fight climate change | 195 |
| D.5.3 Develop circular economy | 207 |
| D.5.4 Key performance indicators about Environment | 210 |
| D.6 Reporting methodology and scope for non-financial indicators | 214 |
| D.6.1 Principles and standards of reporting | 214 |
| D.6.2 Methodology of reporting | 216 |
| D.6.3 Methodology of indicators | 217 |
| D.6.4 Report of one of the statutory auditors, appointed as independent third party, on the consolidated non-financial statement – year ended December 31, 2020 | 224 |
| E. FINANCIALS | 227 |
| E.1 Operational review | 228 |
| E.1.1 Statutory to constant scope and foreign exchange rates reconciliation | 228 |
| E.1.2 Performance by Global Business Line | 229 |
| E.1.3 Human resources | 232 |
| E.2 2021 revenue trend scenario | 233 |
| E.3 2021 objectives | 233 |
| E.4 Financial review | 234 |
| E.4.1 Income statement | 234 |
| E.4.2 Cash flow | 237 |
| E.4.3 Financing policy | 238 |
| E.4.4 Pro forma financial information | 239 |
| E.5 Consolidated financial statements | 244 |
| E.5.1 Statutory Auditors’ report on the consolidated financial statementsfor the year ended December 31, 2020 | 244 |
| E.5.2 Consolidated Income Statement | 249 |
| E.5.3 Consolidated statement of comprehensive income | 249 |
| E.5.4 Consolidated statement of financial position | 250 |
| E.5.5 Consolidated cash flow statement | 251 |
| E.5.6 Consolidated statement of changes in shareholder’s equity | 252 |
| E.5.7 Appendices to the consolidated financial statements | 253 |
| E.6 Parent company financial statements | 300 |
| E.6.1 Statutory auditors’ report on the financial statements for the year ended December 31, 2020 | 300 |
| E.6.2 Statutory auditors’ special report on related-party agreements – Shareholders’ Meeting held to approve the financial statements for the year ended December 31, 2020 | 304 |
| E.6.3 Worldline SA financial statements | 309 |
| E.6.4 Notes to Worldline SA statutory financial statements | 310 |
| E.7 Other financial information relating to Worldline SA | 327 |
| E.7.1 Worldline SA five years financial summary (from parent company financial statements) | 327 |
| E.7.2 Statement used to present information on supplier and customer payment terms mentioned in article D. 441-4 of the French Commercial Code | 328 |
| E.8 Related Party Transactions | 329 |
| E.8.1 Agreements entered into with SIX Group | 329 |
| E.8.2 Agreements entered into with Deutscher Sparkassen Verlag GmbH (DSV Group) | 331 |
| E.8.3 Agreements entered into with significant shareholders | 331 |
| E.9 Non-IFRS financial measures | 332 |
| E.9.1 OMDA | 332 |
| E.9.2 Free Cash Flow | 333 |
| E.9.3 EBITDA | 334 |
| F. RISK ANALYSIS | 335 |
| F.1 Risk management activities | 336 |
| F.1.1 Enterprise risk management (ERM) | 336 |
| F.1.2 Business & Operational risk assessment and management | 337 |
| F.1.3 Insurance | 339 |
| F.2 Risk factors | 340 |
| F.2.1 Cyber-attack, security of systems and data protection [extra-financial risks – Build customer trust] | 340 |
| F.2.2 People [extra-financial risks – Responsible employer challenges] | 341 |
| F.2.3 Market challenges | 341 |
| F.2.4 Service delivery quality and business continuity [extra-financial risks – Build Customer Trust/A robust and reliable IT Infrastructure] | 342 |
| F.2.5 Suppliers | 343 |
| F.2.6 Impact of the Coronavirus pandemic (Covid-19) | 343 |
| F.2.7 Risks related to merger and acquisition transactions | 344 |
| F.2.8 Expansion to new markets | 345 |
| F.2.9 Regulatory and Legal risks | 345 |
| F.2.10 Clients – [extra-financial risks – Build customer trust] | 347 |
| F.2.11 Intellectual Property | 347 |
| F.2.12 Commercial acquiring business – chargeback risk | 348 |
| F.2.13 Macro-economic changes and country risks | 348 |
| F.2.14 Financial risks | 349 |
| F.2.15 Environmental risks [extra-Financial risks – Reducing Worldline’s environmental footprint] | 350 |
| F.2.16 Risk on shares | 351 |
| F.2.17 Organizational structure risk | 351 |
| F.3 Legal Proceedings | 351 |
| F.3.1 Labor claims | 351 |
| F.3.2 Commercial and IP related claims | 351 |
| F.3.3 Tax claims | 352 |
| F.3.4 Other legal proceedings | 352 |
| F.3.5 Miscellaneous | 353 |
| F.4 Internal Control | 353 |
| F.4.1 Internal control definition and objectives | 353 |
| F.4.2 Internal control system players | 354 |
| F.4.3 Components of the internal control system | 354 |
| F.4.4 Systems related to accounting and financial information | 356 |
| F.4.5 Outlook and related new procedures to be implemented | 357 |
| G. CORPORATE GOVERNANCE AND CAPITAL | 359 |
| G.1 Legal Information | 360 |
| G.1.1 Corporate form | 360 |
| G.1.2 Corporate purpose, raison d’être and other information | 360 |
| G.1.3 Main Provisions of the bylaws | 361 |
| G.2 Corporate Governance | 362 |
| G.2.1 Compliance with the AFEP-MEDEF Code – Frame of reference on corporate governance | 362 |
| G.2.2 Management | 363 |
| G.2.3 The Board of Directors: composition and organization principles | 366 |
| G.2.4 Operation of the Board of Directors | 398 |
| G.2.5 Operation of the Committees of the Board of Directors | 402 |
| G.2.6 Assessment of the works of the Board of Directors | 407 |
| G.3 Executive compensation and stock ownership | 408 |
| G.3.1 Compensation policy for the Corporate Officers | 408 |
| G.3.2 Components of compensation paid or awarded to Corporate Officers for 2020, submitted to a shareholder vote | 427 |
| G.3.3 Performance share plans and stock option plans | 444 |
| G.4 2021 Annual Shareholders’ General Meeting | 455 |
| G.5 Evolution of capital and stock performance | 455 |
| G.5.1 Basic data | 455 |
| G.5.2 Dividends | 456 |
| G.5.3 Documentation | 457 |
| G.5.4 Capital | 457 |
| G.5.5 Share trading performance | 464 |
| H. APPENDICES | 467 |
| H.1 Persons responsible | 468 |
| H.1.1 Name and position of the person responsible for the Universal Registration Document | 468 |
| H.1.2 Certification of the person responsible for the Universal Registration Document | 468 |
| H.1.3 For the audit | 468 |
| H.2 Glossary | 469 |
| H.2.1 Financial terms | 469 |
| H.2.2 Business KPI’s (Key Performance Indicators) | 470 |
| H.2.3 Market terms | 470 |
| H.2.4 Business terms | 471 |
| H.3 Cross-reference tables | 474 |
| H.3.1 Cross-reference table for the Universal Registration Document | 474 |
| H.3.2 Cross-reference table for the Financial report | 477 |
| H.3.3 Cross-reference tables with the Annual Management Report | 478 |
| H.3.4 Cross-reference table with article L. 225-102-1 regarding the declaration of extra-financial performance | 479 |
| H.3.5 Cross-reference tables with the report on Corporate Governance | 481 |
| H.4 Contacts | 483 |
| H.4.1 Headquarters | 483 |
| H.4.2 Global Organization | 483 |
| H.4.3 Corporate functions | 483 |
| H.4.4 Investors Relations | 483 |
| H.5 Financial calendar | 483 |