1. MyBank The simple, safe way to buy on the internet Presentation for online shoppers June 2011

2. For customers Overview What is MyBank? Benefits Who is EBA CLEARING? 2

3. For customers WHAT IS MYBANK?

4. For customers What is MyBank? button will appear on the website of web-merchants in SEPA as a payment option in the checkout process. Customers click on this button to complete their purchase in a secure manner via the online banking channel of their bank. MyBank 4 MyBank is a working title during the consultation phase.

5. For customers Security : This service will allow you to pay on the Internet without entering your payment details on the merchant’s website. Simplicity : You will have access to your familiar online banking account where you will directly instruct your bank to pay the merchant. How does it work? 5

6. For customers A secure customer experience When customers click, they select their bank name and are taken to their bank’s online banking log-on page for payment. In the secure e-banking environment of their bank, they confirm their payment instruction and are then returned to the retailer’s website.  The buyer’s personal bank account data remains with his bank. The merchant receives an ‘authorisation’ in real time and is ensured that the payment will follow. He can finalise the customer’s order. 6 MyBank

7. For customers Illustration 7 MyBank

8. For customers Illustration 8 MyBank

9. For customers Different types of payments You will be able to: Authorise the transfer of funds to the merchant via a SEPA credit transfer. Create a SEPA Direct Debit mandate to allow a single or recurring debit(s) of his account (for example, for electricity bills). Modify or Cancel a SEPA Direct Debit Mandate. Authorise a payment via a debit or credit card attached to his bank account. Other types of payments can be envisaged. 9

10. For customers Different types of access It is an Internet-based solution initially designed for use with a browser. But it can also be adapted for web-enabled smart phone apps, or physical devices such as POS terminals. 10 MyBank

11. For customers In later phases, the solution will be extended to other payment methods, currencies other than EURO, e-identity services, for example, authorising your bank to confirm your personal details to a Merchant such as your age or your address. Other uses 11 MyBank

12. For customers BENEFITS

13. For customers Adapted to online shoppers’ needs Direct access to a payment method that you can trust when shopping online. Processing within the familiar and secure environment of your online banking. No need to share or store your financial details with merchants websites or other internet payment parties. A solution with which you can order from web-merchants across Europe. 13

14. For customers WHO IS EBA CLEARING?

15. For customers EBA CLEARING activities EBA CLEARING manages every day the processing of millions of payments across the 31 SEPA countries It owns and operates different payment systems in EURO: –EURO1/STEP1, for individual financial and commercial payments –STEP2, for mass retail payments EBA CEARING’s services are regularly audited and use highly secure technology Please read the full story on our website www.ebaclearing.euwww.ebaclearing.eu 15

16. For customers Where can I get it? The launch of is planned for May 2012 with a group of pilot banks and web-merchants. Please check our website www.MyBankPayments.eu for progress on this initiative.www.MyBankPayments.eu 16 MyBank

17. For customers www.ebaclearing.eu EBA CLEARING 40 rue de Courcelles, F-75008 Paris Tel. +33 1 53 67 07 00