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Exhibit 1 Overview of the Cash Infrastructure

CENTRAL

Bulk transport

BANK

Bulk transport

CASH PROCESSING

Cash Processing Centers

Share of total costs of cash operations

10%-20%

Major cost items

  • -

    Cash processing (wages,

equipment, IT, overhead, etc.)

  • -

    Bulk transport

Transport (CIT) Client and branch orders

ATM cash

CONSUMERS

Client and branch deposits Transport (CIT)

Deposit cash

RETAILERS

CASH DISTRIBUTION

30%-40%

  • -

    Replenishment

  • -

    Transport (CIT)

  • -

    Incident management (first-level and second-level maintenance)

  • -

    Interest (on stocks)

  • -

    Insurance

MACHINES & TELLERS

40%-50%

  • -

    Location rental costs

  • -

    Machines

  • -

    Communication

  • -

    Security

  • -

    Teller wages

Source: Booz & Company analysis

Exhibit 2 The Cost of Cash in Europe in 2009

ESTIMATED AVERAGE SPLIT OF CASH COSTS BY INDUSTRY

BREAKDOWN OF COSTS BETWEEN FIXED AND VARIABLE

20%

Variable cost (transaction-driven)

Retail sector

25%

65%

Banking industry

80%

Fixed cost (not transaction-driven)

10%

Central banks

Total: €84 billion per year

Cost of cash

Source: European Payments Council; Retail Banking Research; Booz & Company analysis

Booz & Company

3

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