Investor Presentaiton

Issuing Licensing Factoring Funding Update - Settlement Lines ■ Up to September 30 2018, more than EUR 6,222m receivables (€5,838m without recourse) have been factored to UniCredit on a daily basis. The committed factoring lines have been covering in full the amount of receivables sold and outstanding from time to time. Moreover, Nexi can ask for a rebalancing of the value and allocation of the factoring lines twice per year. Max usage (1-day spike from inception to 09/30): 3,000 € MLN 2,500 2,000 1,500 1,000 Factoring Commitment Drawn Without Recourse 2,897,600,000 With Recourse Total factoring lines* *excluding €350m bridge facility 195,200,000 3,092,800,000 2,539,626,496 155,886,119 2,695,512,616 Available 357,973,504 39,313,881 397,287,384 % Available 500 12% 20% Without Recourse With Recourse 13% ■Committment Drawn Bilateral Banking Credit € MLN 1,200 4 1,000 800 600 Lines 400 200 nexi Source: Company information. Bilateral banking credit lines to support all other working capital needs (mostly daily acquiring licensing receivables) have been covering more than 2.5x the actual needs. Nexi Payments and Mercury Payments bilateral banking credit lines usage: 1,600 1,400 02/07/2018 09/07/2018 16/07/2018 23/07/2018 30/07/2018 06/08/2018 13/08/2018 20/08/2018 27/08/2018 03/09/2018 10/09/2018 17/09/2018 24/09/2018 Drawn Available Investment grade counterparties represent >80% of the available credit lines Committed credit lines represent 24% of the available credit lines (71% considering revolving short-term commitments) 21

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