Mosaic Fashions Ltd

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RETAIL DIRECTOR SUMMIT 2008 Philippe Dufour,
Chief Executive Officer PrePay Technologies
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PrePay Technologies (PPT) A cornerstone of
Groupe Accor
PPT is wholly owned by ACCOR the European leader
in hotels and a global leader in corporate
services

• Largest provider of prepaid solutions to Human
  Resource, Government and Gifting markets
• 250 000 corporate and government clients and 15m
  users
• 12bn of prepaid value issued in 2007 to 30m
  people in 40 countries

• 4 000 hotels, 500 000 rooms in 90 countries
• Brands include Sofitel, Pullman, Novotel,
  Mercure, Suitehotel, All Seasons, Ibis, Etap
  Hotel, Formule 1 and Motel 6

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PrePay Technologies Our Expertise

• Built on three core areas
• Programme design, integration support
• Programme delivery and management
• 24/7 support, Fully customisable self service
  options
• Issuing processing
• In house processing on closed open payment
  networks
• Chip Pin EMV MasterCard certified
• Compliance regulation
• FSA regulated (UK), pass ported across Europe
• Compliance regulatory support

• European market leader in operating prepaid
  solutions
• Create and operate closed, controlled and open
  loop programmes
• 20m card accounts managed
• 80 specialist staff
• Expertise in
• Retail gift
• Prepaid debit
• Corporate incentive Benefits
• Insurance replacement
• Payroll and Expense prepaid
• Travel Money
• Promotions

2007
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Clients Programmes 20m cards under management

• Kadeos
• Go Sport
• Virgin Megastores
• ACCOR Thalassa
• Capital Incentives
• Family Fund
• Comet
• Debenhams
• Arcadia Group
• Bhs
• Sainsburys
• Laura Ashley
• New Look
• Paul Smith
• Ticketmaster
• House of Fraser
• Fat Face
• Rugby Football Union
• LOVEFiLM

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Prepaid Market US
US Prepaid Performance

• 20 annual growth in Prepaid
• Estimated market size 421bn by 2010
• Closed Loop 240bn
• Open Loop 181bn

Total Issue Value(bn)
Sources Mercator Advisory Group
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Gifting Market US

• 28 growth experienced in Gifting market
• 10bn in 1996
• 90bn in 2007

US Gifting Performance
Total Issued Value (bn)
Sources Mercator Advisory Group 2006
Sources Faulkner Gray, Bain Company 2007
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Prepaid Market Europe

• Estimated Prepaid Market Size 75bn by 2010

Total Issued Value (bn)
Sources PSE Consulting 2006
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Gifting Market Europe UK

• 15-20 annual growth
• Gifting market in Europe estimated to reach 20bn
  by 2010
• Volume dominated by Closed Loop products

UK Gifting Performance
Total annual sales (bn)
Sources Giftex Research 2005, Voucher
Association 2006, PSE Consulting 2006
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Gift Cards Why have them in Retail?
Gift Cards of Sales by Retail type

• Can represent best selling product SKU
• Contribution to working capital
• No inventory cost
• Limited shelf space required
• Double digit sales growth
• Instant reporting, analysis and marketing
  feedback
• Reduce operating cost
• Breakage

Percentage of Sales
Sources PrePay Technologies
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Success in Retail

• Best practices contribute to success
• Execution
• Marketing
• Technology
• Distribution

• Benefits
• Convenience for customer
• Impulse purchases
• Attracts new customers
• Increase footfall
• Increased revenue
• Incremental sales
• New distribution channels

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ACCOR Services Immeuble Odyssey 110 Avenue de
France 75210 Paris Cedex France www.accorservices.
com PrePay Technologies London 43-45 Dorset
Street London W1U 7NA UK www.prepaytec.com
Philippe Dufour, CEO PrePay Technologies philippe
.dufour_at_prepaytec.com Tel. [phone]