Worldline - 2020 Universal Registration Document

DESCRIPTION OF THE GROUP’S BUSINESS Description of the Group’s four Business Lines services

e -Consumer & Mobility provides cloud contact and ● consumer cloud services that improve the customer engagement and generate new business models, as well as Connected Living solutions that offer context-driven mobility solutions for consumers, patients and citizens. Also, the Group’s Industrial IoT solution provides highly secured connection of globally spread machines in the after sales area. In addition to those identified below, principal clients of the Group for this global business line include the European Commission, French Ministry of Justice, ASIP Santé, O2, France Télévisions, M6, First Group, Keolis and Rail Delivery Group. e-Ticketing C.1.4.1 Public transportation enables the cities of the world to prosper and grow, access to the transportation systems is moving to a Digital strategy where open pay metn and account based ticketing allow passengers to enter and exit transportation systems with ease. In addition improved route management and enhanced customer information systems for both the operator and the passenger bring efficiencies into transportation systems. The Group provides into the transportation market a range of solutions designed to help deliver new digital services to their customers. From sale to financial settlement, the Group provides payment services for transport companies with over € 3bn per annum flowing through the Groups services. The Group is focused on social mobility payment and access solutions across the business process areas that deliver a better journey experience; a set of specialized back-office and retail-channel software platforms, desktop, internet and mobile devices to manage the process of issuing and validating printed and electronic tickets. The Group is focused on Digital Payment for transport where through the development and delivery of open payment and account based ticketing solutions the Group will utilize the strength of the payment capability to provide market changing solutions to its customers, as the Group did in 2018 with Keolis for the city of Dijon in France. Thanks to continuous investments in solutions that can combine Open Payment with Acount Base Ticketing and multi-services management with a mobility account, the Group expanded after Dijon in various cities in France and is now further spreading these capabilities into its core geographies. End of 2018, Worldline in a consortium with Conduent was chosen by Île-de-France Mobilités to build the central system of the new Greater Paris transport pass “Smart Navigo”. Smart Navigo is now live in Paris. Smart Navigo will develop new Navigo products to gradually replace transport tickets with contactless methods. Tickets’ online purchasing and use of smartphones either as a way to recharge the Navigo card (in lieu of vending machines), or directly as a validation method will also be implemented. Navigo will also be able to support new mobility services such as access to car parks.

Mobility & e-Transactional Services offers clients a breadth of solutions designed to accelerate and enhance new digital services and new business models that take advantage of the increasing digitization of the physical world. The emergence of new digital businesses has been fuelled by an explosion of new types of consumer needs. More and more devices are becoming connected—from smartphones and tablets to cars, trucks, and buildings. New digital services are generating huge volumes of consumer data, which can be used to further enrich customers’ experiences. Moreover, consumers benefiting from these new digital services are becoming more mature, more active and are ever increasing in number. Meanwhile, companies and government entities are being forced to evolve in order to adapt to new technologies, new usages, new customer expectations, and new payment means, while having to optimize processes that are becoming more and more costly. Together, these businesses help differentiate the Group from numerous players in the market and demonstrate an abilityt o help the Group’s partners with all aspects of their transactional related businesses. Mobility & e-Transactional Services generated revenue of € 325 million and an OMDA of € 48 million (14.7% of revenue) in 2020. The Group is focusing its efforts on several areas where it believes new digital services have significant potential: e-Ticketing covers a full set of solutions and services to ● Public Transport Authorities, Passenger Transport Operators, Government Agencies and Infrastructure Providers: Including Digital Ticketing open payment solutions ● leveraging the Group’s payment capability, Revenue settlement services, service planning, resource ● allocation and real time proactive decision support, Mobility-as-a-Service services that allow the general ● public to consume multi-modal mobility services in an easy and fluid way; Trusted Digitization provides paperless secured systems ● to public and private organizations for better services through the digitization of processes for citizens, including implementation of national digital identity schemes, the enabling of electronic payments (taxes, fines, invoices settlement, etc.), and e-healthcare services, as well through a variety of trusted services, including track & trace solutions, e-contracts and electronic invoicing, legal archiving solutions for companies and e-safe services for individuals;

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Universal Registration Document 2020

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