PeP Group

Polskie ePłatności (Polish ePayments – PeP) is a leading Polish merchant acquirer in Poland offering a full range of in-store, online payment solutions and value-added services. with an installed base of more than 200,000 point-of-sales terminals, offering a broad set of payment solutions for SME merchants. Founded in 2010 Over the last 10 years, PeP exhibited impressive growth as a result of both organic growth and sizeable acquisitions with the terminal base more than tripling since mid-2016.

PeP is the fastest growing payment technology company in one of the fastest growing digital payment economies in Europe. The team of PeP is know for their high-quality in-house operation and business performance. Polskie ePłatności is the third largest payment terminal operator in Poland in terms of the number of devices. With over 160,000 point-of-sales terminals and offers a wide range of payment solutions. One of the reasons why the conditions for the further expansion of cashless payments in Poland are very good is that the Polish government has introduced several initiatives to promote non-cash use. With their SME focus and strong presence in the card acceptance and POS terminals space, PeP fits very well with our existing business, extending Nets portfolio of online payment solutions for merchants in Poland.

Over the last 5 years PeP was conducting a consolidation process of the Polish payment market. As a result, it managed to take over, among others terminal business of Kolporter and companies PayUp, PayLane, BillBird and recently – TopCard. The company employs more than 600 people and expects net sales of around EUR 55 million in 2020. Since October 2020 PeP is a part Nets Group.

Polskie ePłatności S.A.

BillBird S.A.

Polskie ePłatności Sp. z o.o.

Management

Maciej Nowosielski - Serve as the President of the PeP Group Management Board

Since February 28, 2022 Maciej Nowosielski has been the President of the Management Board of Polskie ePłatności S.A. Group. He has been associated with Polish ePayments since May 2017 - first as Sales Director, and since January 2020 as Vice President of Sales. In the years 2013-2017 he cooperated with the Advent International Investment Fund in a project related to School and Pedagogical Publishers, as the Sales Director he managed all sales and service channels. Likewise, in the training project of the Educational Competence Development Center being in the position of a Business Development and Sales Director he built a new business line. In parallel, he implemented interim projects for companies such as Perfetti van Melle, Ricoh and Media Saturn Holding, and more. In 1997-2010 he was associated with the telecommunications industry, where as the Director of Indirect Sales and Investment in Orange he managed the agency network of indirect sales and investment projects on the B2C and SOHO market. Previously, in the Telekomunikacja Polska Group he managed field structures in the areas of sales and operational marketing in managerial positions. He perfected his competences at Executive MBA at The Nottingham Trent University & Poznań University of Economics, trainings offered by FT Group Management School Development Programs, and postgraduate studies in management and marketing. He holds an Associate PM certificate supported by MT&DC, TQM and SixSigma trainings. A practitioner, an experienced leader in sales, organization development, change management, working with multi-channel structures, including service and own sales, agency and call center sales. He has been willing to share his knowledge by conducting trainings and lectures at several universities in the country. Privately, a martial arts enthusiast. Privately, a lover of sport and adrenaline. An enthusiast of mountaineering and mountain expeditions, as well as a participant in triathlons.

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Robert Chmielewski - Vice President of the Management Board CFO

Robert Chmielewski, who has been the Chief Financial Officer (CFO) since October 2017, was appointed Vice President of Polish ePayments on January 31, 2018. He gained his extensive knowledge useful in the FinTech industry, as Financial Director in many international companies. In the years 2013-2017 he worked in the BPO sector, he was a member of the Management Board. He hold a position of CFO at ProService Finteco Sp z o.o. - a portfolio company of private equity funds, a leading service provider in the field of product support and IT solutions for the investment, insurance and banking sectors. Previously, he worked as CFO at PayU, where he was responsible for 8 different markets, including Poland. In the years 2003-2011 he was associated with the logistics industry. He started working for Wincanton (a logistics operator listed on the London Stock Exchange) as a financial controller, to become – in 2006 - a member of the management board and CFO, responsible for the finance of companies in Central and Eastern Europe. Robert's career began at Jeronimo Martins as a Senior Financial Analyst and Internal Auditor. Robert Chmielewski’s extensive intuition and knowledge about the management of acquisition processes and cost synergies obtained in international companies brought great added value when applied in the optimization and streamlining of financial management of Polish ePayments. In private, he’s enthusiastic about cycling and traveling. In his free time, he looks for adrenaline during off-road trips.

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Wacław Irzeński - Vice President of the Management Board - IT

Wacław Irzeński has been managing the technological part of the company. He is the Vice President of the Management Board of Polish ePayments since 2016. For over 20 years he was associated with the payment card industry. In the years 2010 - 2016 he was the Director of the Department of Technology and Operations Polish ePayments In those years he was also the Company Board's Proxy. From 2002 to 2010, he worked as the Development Department Director at OPTeam S.A. leading the team implementing software for terminals accepting payment cards (including MasterCard and Visa) issued by International Payment Organizations. In the years 1997–2002 as the Development Department Director at Optimus - Comfort, he was responsible for managing the team, designing, developing and implementing software using processor card technology. From 1995 to 1997 he managed the Optimus - Comfort Training Center, which was one of the first in the country to receive the Microsoft Certified Education Center certificate. At Optimus - Comfort, he was also an IT systems designer (1992-1995). He started his career in college. In the years 1982–1992 he was associated with the Rzeszów University of Technology, where as an IT specialist he was responsible for maintaining the Central Unit of the university computer R32 (IBM 360). He also worked as an assistant professor in the Department of Automation and Information Technology. Broad knowledge and experience in the field of technology makes Wacław Irzeński one of the largest experts in the fintech industry in Poland. Privately an amateur athlete, cycling enthusiast and supporter of a positive approach to life.

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Żaklina Pawlak-Iwińska - Vice President of HR

Żaklina Pawlak Iwińska was associated with Polish ePayments practically from the very beginning of the establishment of the company. In February 2019, she took the position of Vice President of HR, and since the end of 2019 she is a Member of the Supervisory Board of BillBird S.A. (a member of the Polish ePayments group). In the years 2011-2019 she was the HR Department Director. She gained her experience in the field of human resources management in 2010-2016 as HR Director at OPTeam S.A. She devoted the years 2007-2010 to work and gaining experience at the Rzeszów Hospital of the Ministry of Interior and Administration, as the head of the human resources department. A graduate of the University of Rzeszów in the field of sociology and history, with additional diplomas in human resources management, competence management, labor law and health and safety at work. She uses her significant experience to support the development of one of the fastest growing companies in the field of non-cash payments in Poland. She shares her knowledge and passion by participating as a speaker and expert in numerous conferences and seminars within the Podkarpacki HR Club. In her free time, she loves big and small travel, as well as modern methods of personal development of employees. Her outdoor activities are related to her passion for flowers and gardening.

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Robert Hoffmann - Chairman of the supervisory board

Robert Hoffman, Head of Merchant Services in Nets has more than 20 years of management experience in e-business and telecommunications. Prior to joining the Concardis Payment Group in 2019, he was CEO of 1&1 Internet SE and board member of United Internet AG, business applications segment, from 2013 to 2017. From 2006 to 2012, Robert was responsible for United Internet's telecommunications business as a member of the Management Board of 1&1 Internet AG. Prior to that, he held various leadership positions in product management and sales at Arcor from 1998 to 2006.

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Jarosław Mikos - Member of the Supervisory Board

Jarosław Mikos has been the President of the Management Board of Polish ePayments from December 5th, 2017 to February 28th, 2022. He has extensive knowledge about building efficient and fast-growing organizations and understanding of the laws governing the Fintech market, especially in the e-commerce industry. He uses the knowledge he gained through years of holding the highest positions in Polish and international companies, in pursuit of creating the No 1 operator of non-cash payments in Poland. As the president, he makes every effort to ensure that Polish ePayments becomes the undisputed leader on the market of FinTech services in Poland. A CEO with 20 years of experience, during his career, he played key roles in Polish and international companies. He is successful in increasing sales, transformations, restructurings, mergers and acquisitions and cost optimization of companies. Creator of winning teams and inspiring mentor. Earlier. During two years of managing the Polish ePayments group, which employs over 600 employees, he conducted 5 transactions of purchase of terminal and e-commerce companies, doubled sales value and EBITDA three times. In the years 2013-2017 he was associated with the Wirtualna Polska Group as the chairman of the supervisory board, recording successes such as creating a leader among websites with 21 million unique users and over 80% coverage. In the period from 2011 to 2013 he was the president of Magna Polonia finalising profitable transactions of portfolio companies' sales. From 2000 to 2007 he held the position of CFO and then CEO in Energis Polska. In 2005, he merged Energis Polska with GTS Polska, in which he remained the president of the management board. Previously, he worked for Deloitte and PwC in the field of business transactions, privatisation and M&A holding position of a manager in the London branch of PWC and then deputy director in the M&A and Privatization Department. In 1996 he spent a year at Coopers & Lybrand as a senior consultant. He started his business activity in 1995 at Deloitte & Touche in the Economic Advisory Department. Privately, a lover of sport and adrenaline. An enthusiast of mountaineering and mountain expeditions, as well as a participant in triathlons.

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Janus Hillerup - Member of the Supervisory Board

Janus Hillerup is Group General Counsel and Head of Legal, Compliance & Risk Management at Nets Group. He has 17 years of experience in the field of Legal & Compliance. Prior to joining Nets he spend more than a decade with the Danish stocklisted company NKT A/S leading the Legal, Compliance & Risk Management team. Before that, he worked with one of the largest Danish law firms servicing a broad range of international clients.

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Christian Brunhøj - Member of the Supervisory Board

Christian Brunhøj joined Nets in January 2019 as Head of Strategy and Transformation. Today, as CFO, Christian is responsible for the MS Finance, Strategy and Transformation agenda, combining the Finance, Risk, Compliance, Dunning and Strategy teams under his direct leadership. Prior to joining Nets, Christian was Chief Strategy and Performance Officer and Head of SME sales (interim) at Broadnet. Previously, he was Associate Principal at McKinsey with focus on shaping the value-creation agenda of clients across business units and driving large-scale commercial and cost transformations mainly in telecom and financial services.

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BillBird S.A. is part of the Group Polish ePaymants. It provides money transfer services on the basis of permit No. IP2/2012 issued by the Financial Supervision Commission on 20.12.2012. It is a leader in innovative ways of regulating receivables in Poland. BillBird SA is a provider of solutions for mobile payments providing business solutions for electronic invoices. It guarantees comprehensive protection of data and information, both internally generated and entrusted by other entities.

In 2011. BillBird S.A. received a certificate confirming compliance of the implemented Information Security Management System with ISO/IEC 27001. Awarding this certificate is not only a prestige, but also a measurable benefit for all business partners of BillBird S.A. By implementing appropriate internal regulations, verified during the certification procedure, the company can guarantee comprehensive protection of data and information, both internally generated and entrusted by other entities.

Since 2011. BillBird S.A. has confirmed the application of the highest standards of information security by successfully passing recertification audits three times. Currently held by the Company certificate of compliance of the Information Security Management System with ISO/IEC 27001 standard was issued on 31.08.2020 with the expiration date on 30.08.2023.

Management

Jarosław Mikos - Chairman of the Board

Jarosław Mikos has been the President of the Management Board of Polish ePayments since December 5th, 2017. He has extensive knowledge about building efficient and fast-growing organizations and understanding of the laws governing the Fintech market, especially in the e-commerce industry. He uses the knowledge he gained through years of holding the highest positions in Polish and international companies, in pursuit of creating the No 1 operator of non-cash payments in Poland. As the president, he makes every effort to ensure that Polish ePayments becomes the undisputed leader on the market of FinTech services in Poland. A CEO with 20 years of experience, during his career, he played key roles in Polish and international companies. He is successful in increasing sales, transformations, restructurings, mergers and acquisitions and cost optimization of companies. Earlier. During four years of managing the Polish ePayments group, which employs over 600 employees, he conducted 10 transactions of purchase of terminal and e-commerce companies, quadruple sales value and EBITDA five times. PeP has been part of the Nets Group since October 2020, currently Nexi Group. The value of the acquisition was €405 million. In the years 2013-2017 he was associated with the Wirtualna Polska Group as the chairman of the supervisory board, recording successes such as creating a leader among websites with 21 million unique users and over 80% coverage. In the period from 2011 to 2013 he was the president of Magna Polonia finalising profitable transactions of portfolio companies' sales. From 2000 to 2007 he held the position of CFO and then CEO in Energis Polska. In 2005, he merged Energis Polska with GTS Polska, in which he remained the president of the management board. Previously, he worked for Deloitte and PwC in the field of business transactions, privatisation and M&A holding position of a manager in the London branch of PWC and then deputy director in the M&A and Privatization Department. In 1996 he spent a year at Coopers & Lybrand as a senior consultant. He started his business activity in 1995 at Deloitte & Touche in the Economic Advisory Department. Privately, a lover of sport and adrenaline. An enthusiast of mountaineering and mountain expeditions, as well as a participant in triathlons.

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Robert Chmielewski - Member of the Management Board

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Mateusz Godecki - Member of the Management Board

An expert in the field of new technologies in the payment industry, in particular cashless payments. A graduate of Automation and Robotics at the AGH University of Science and Technology in Krakow. Chief Technology Officer at Polskie ePłatności, from January 2020 responsible for the technological development of the PeP Group. His over 20 years of experience in the field of software design, development and implementation, as well as the ability to manage teams that are part of the IT structure, allowed him to successfully implement the strategic goals of the organization. He took his first steps in the area of team management at Software Mind (today's Ailleron), which develops systems for the financial sector and complementary solutions for the telecommunications industry. In the following years, he developed as a Technical Team Lead in the IGT corporation (formerly GTECH), which is a leader in designing and delivering innovative lottery systems. For 7 years he has been associated with BillBird S.A., a company offering innovative bill payment services, energy top-ups, GSM top-ups and PaySafeCard sales, where in 2017 he took the position of CTO and Member of the Management Board. At the same time, since 2020, a member of the Management Board of Polskie ePłatności Online (formerly Paylane), a company dealing with online payments, belonging to the PeP Group.

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Monika Gaszewska - Member of the Management Board

Monika Gaszewska joined Polskie ePłatności in 2018 as M&A Director. She successfully concluded many acquisitions (eg. participated in buy-out of PayUp, BillBird and TopCard and concluded some asset deals). In 2006-2018 she worked at Krokus Private Equity, hired as an Investment Analyst and promoted to Investment Director. At Krokus, besides deal generation and evaluation of potential investments, she was involved in the whole investment cycle including transaction process and post-investment activities, as well as exits (incl. IPOs). She also served on the supervisory boards of the portfolio companies. Prior to joining Krokus Ms. Gaszewska worked as an Associate at Moellendorf & Company Corporate Finance and Investment Advisory in Budapest and Warsaw. In this role she participated in a number of projects including cross-border mergers and acquisitions, project finance, relocations and privatisations in CEE. She started her professional career at Raiffeisen Private Equity Management and at Vodafone GmbH in Dusseldorf. Ms. Gaszewska graduated from the Warsaw School of Economics with a degree in Finance and Banking. She also studied at the University of Duisburg-Essen in Germany.

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Żaklina Pawlak-Iwińska - Member of the Management Board

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Polskie ePłatności Sp. z o.o. (formerly PayLane Sp. z o.o.). – a subsidiary of Centrum Rozliczeń Elektronicznych Polskie ePłatności S.A. (“PEP”), in which PEP has 100% of shares in the share capital. Polskie ePłatności Sp. z o.o. acts as a Clearing Agent and is a licensed National Payment Institution registered in the Register of Payment Services Providers of the Polish Financial Supervision Authority under number IP11/2013.

Polskie ePłatności Sp. z o.o. has acquirer status in VISA, MasterCard, Diners and UnionPay card organizations. Thanks to its close cooperation with the payment processor PeP, the company accepts and settles both ecommerce and POS transactions.

The above license is a passport license for the entire European Economic Area, which means that the Company can serve merchants from all over the EEA.

Since 2010 the company has also maintained the PCI DSS card data security license.

Under the brand Polskie ePłatności Online, the company enables fast and secure acceptance of ecommerce transactions through a wide range of methods: card payments, pay-by-links, BLIK, ApplePay, GooglePay, Sofortbanking, SEPA DirectDebit, PayPal and others. Two integration methods offered (Secure Form and API) bring comfort and flexibility, which is appreciated by even the most demanding customers.

Polskie ePłatności Sp. z o.o. is supervised by the Polish Financial Supervision Authority

Management

Robert Chmielewski - Chairman of the Board

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Mateusz Godecki - (AML) - Członek Zarządu

Mateusz Godecki has over 18 years of experience in the FinTech and eCommerce market. He specializes in comprehensive services for National Payment Institutions and companies related to the Fintech market. Since September 2018, he has been associated with Centrum Rozliczeń Elektronicznych Polskie ePłatności. Initially, he cooperated with PeP as a Legal Adviser, and then the Head of the Legal Department of the Capital Group, which includes the following companies: Centrum Rozliczeń Elektronicznych Polskie ePłatności, BillBird, Polskie ePłatności (former PayLane), TopCard. Mateusz Godecki's team is responsible for comprehensive legal and regulatory services for all companies of the PEP Group. His successes include co-conducting and then obtaining by PayLane the status of the so-called Affiliate / Associate at Visa and MasterCard Card Association, obtaining and concluding an agreement with the so-called Sponsor Bank in Visa and MasterCard Payment Organizations (the so-called Sponsored Bank), or comprehensive preparation of the PEP Group in the Vendor Due Diligence process in the process of taking over the PeP Group by the Nets Group. Participation in the process of obtaining a permit from the Polish Financial Supervision Authority for the purchase of the National Payment Institution - BillBird, is also an implementation coordinated by Mateusz Godecki's team. His career began in 2006 at the Baker McKenzie Law Firm. Then, in the years 2006 - 2018, he cooperated with eCard, one of the leaders on the Polish market in the field of online payments. From 2014, he also worked in the Capital Partners brokerage house, where he focused on legal services and compliance for subsidiaries: Dom Maklerski Capital Partners S.A. and TFI Capital Partners S.A. as Head of Legal and Compliance Officer.

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Karol Wierzbiński - Member of the Management Board

Karol Wierzbiński, who has been the Product Director since January 2017, develops and implements a development strategy in the company by enriching the product offer. He gained experience in the financial and technological industry in many international companies. In the years 2008 - 2016 he was the National Key Account Manager at Orange, one of the largest telecommunications service providers in Europe. He was responsible, inter alia, for the marketing strategy for alternative sales channels, he coordinated and developed the sale of electronic top-ups and created synergy between modern technologies and the pre-paid model. Then, in 2016, he took the position of Marketing and PR Team Manager at eService, one of the market's leading acquirers and payment card acceptance leaders. He managed a team of Product Development Experts, was responsible for the creation and effective implementation of the marketing strategy for the Company. Karol Wierzbiński also acted for the development of the prepaid category in the eService portfolio, including mobile telephony and electronic money. Currently, at BillBird, he is responsible for the development of five product lines in the field of payments and settlements. His successes include the implementation of bill payments in the e-mail service of such portals as Interia and Onet and the dynamic development of online sales of the Paysafecard service. His work methodology is identical with his private passions, which include long-distance running. Karol completed his first run of over 100 kilometers in 2021.

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Wiktor Szymański - Member of the Management Board

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Żaklina Pawlak-Iwińska - Członek Zarządu

Żaklina Pawlak Iwińska była związana z Polskimi ePłatnościami praktycznie od samego początku powstania firmy. W lutym 2019 roku objęła stanowisko wiceprezesa ds. personalnych, a od końca 2019 roku jest członkiem rady nadzorczej BillBird S.A. (członek grupy Polskie ePłatności S.A.). W latach 2011-2019 pełniła funkcję Dyrektora Działu Personalnego. Doświadczenie w zakresie zarządzania zasobami ludzkimi zdobywała w latach 2010-2016 na stanowisku Dyrektora Personalnego w OPTeam S.A. Od końca 2016 roku prowadzi i rozwija własną firmę HRO+, w której pełniła funkcję Dyrektora Generalnego. Lata 2007-2010 poświęciła pracy i zdobywaniu doświadczeń w Szpitalu Rzeszowskim MSWiA, jako kierownik działu personalnego. Absolwentka Uniwersytetu Rzeszowskiego w dziedzinie socjologii i historii, z dodatkowymi dyplomami z zakresu zarządzania zasobami ludzkimi, zarządzania kompetencjami, prawa pracy oraz bezpieczeństwa i higieny pracy. Swoje znaczące doświadczenie wykorzystuje do wspierania rozwoju jednej z najszybciej rozwijających się firm w dziedzinie płatności bezgotówkowych w Polsce. Swoją wiedzą i pasją dzieli się uczestnicząc jako prelegent i ekspert w licznych konferencjach i seminariach w ramach Podkarpackiego Klubu HR.

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