COMARCH AT GLANCE COMPANY PROFILE COMARCH IN EVERYDAY LIFE

COMARCH AT GLANCE COMPANY PROFILE COMARCH IN EVERYDAY LIFE

CHAPTER I COMARCH AT A GLANCE

COMARCH - INTEGRATOR AND SOFTWARE HOUSE OF INNOVATIVE IT SYSTEMS Founding year RECOGNIZED Gartner, Forrester Research, IDC and more PUBLICLY TRADED 1993 5030 GLOBAL 1991 Comarch onset on WARSAW STOCK EXCHANGE since 1999 THOUSANDS OF SUCCESFULLY COMPLETED PROJECTS ON Continents EMPLOYEES 5 40 REVENUES 250 M EUR (2014) USA 47 PRESENCE Europe Asia Middle East SUBSIDIARIES AND ASSOCIATES Countries + HEADQUARTERS KRAKÓW, POLAND Latin America 4 COMPANY PROFILE

COMARCH - WORLDWIDE CUSTOMERS, PROJECTS, COMPANY, DATA CENTER EUROPE 47 SUBSIDIARIES AND ASSOCIATES 1 2 3 Poland Białystok, Bielsko-Biała, Gdańsk, Gliwice, Katowice, Kielce, Krakow HQ, Lublin, Łódz, Poznań, Rzeszów, Tarnów, Warszawa, Wrocław Albania Tirana Austria Innsbruck, Vienna 71 OFFICES 50 CITIES 24 COUNTRIES 5 CONTINENTS 4 Belgium Brussels 5 Finland Espoo 6 France Grenoble, Montbonnot Saint Martin, Lille, Lezennes 7 Germany Berlin, Bremen, Dresden, Düsseldorf, Frankfurt, Hamburg, Hannover, Munich, Münster 8 Italy Milan 9 Luxembourg Strassen 10 Russia Moscow 11 Spain Madrid 12 Sweden Stockholm 13 Switzerland Arbon, Lucerne 14 Turkey Istanbul 15 UK London 16 Ukraine Kiev, Lviv ASIA 17 Malaysia Kuala Lumpur 18 Singapore Singapore 19 United Arab Emirates Dubai NORTH AMERICA 20 Canada Saint John, Montreal, Toronto 21 USA New York, Rosemont, Chicago, Columbus, Tyrone SOUTH AMERICA 22 Brazil Sao Paulo 23 Chile Santiago 24 Panama Panamá City 20 19 20 21 24 23 22 15 4 9 6 12 7 1 3 11 13 8 2 5 16 10 14 Worldwide Subsidiares, Customers, Projects 19 17 18 Customers and Projects data center data center only COMPANY PROFILE 5

AREAS OF RESPONSIBILITY AND ORGANIZATIONAL STRUCTURE prof. Janusz Filipiak DIVISIONS Founder and CEO of Comarch SA Strategy, HR, Marketing Zbigniew Rymarczyk Paweł Prokop Marcin Warwas Marcin Dąbrowski Andrzej Przewięźlikowski Piotr Piątosa Mariusz Lasek Vice-President of the Management Board, Director of ERP DIVISIONS Vice-President of the Management Board, Diector of PUBLIC SECTOR DIVISION Vice-President of the Management Board, Director of SERVICES DIVISION Vice-President of the Management Board, Director of TELECOMMUNICATIONS DIVISION Vice-President of the Management Board, Director of FINANCIAL SERVICES DIVISION Director of COMARCH HEALTHCARE DIVISION Director of COMARCH TECHNOLOGIES DIVISION Konrad Tarański CFO, Finance, Administration, Interior IT Systems 6 COMPANY PROFILE

REVENUE GROWTH 1200 1000 1 038.4 800 600 400 444.0 491.6 581.0 701.0 729.4 761.4 785.7 883.9 939.0 200 256.6 328.4 0 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 M PLN 57.7 72.7 110.4 126.1 153.8 198.5 168.0 190.1 189.8 211.8 223.0 247.9 63.0 90.2 136.5 159.1 211.4 290.7 233.5 250.4 264.7 273.5 296.6 326.7 40.0 49.4 75.4 85.9 105.6 159.6 149.5 162.3 165.3 171.8 189.6 198.8 M EUR M USD M GBP COMPANY PROFILE 7

A HIGH & STABLE LEVEL OF EBITDA 200 150 152.9 100 50 38.6 58.3 61.1 66.0 56.2 66.2 80.8 84.1 98.9 0 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 M PLN 9.6 14.9 16.2 18.7 13.0 16.5 19.5 20.1 23.5 36.5 11.9 18.9 22.2 27.4 18.0 21.8 27.2 26.0 31.3 48.1 6.6 10.2 11.1 15.0 11.5 14.1 17.0 16.3 20.0 29.3 M EUR M USD M GBP 8 COMPANY PROFILE

MARKET SALES STRUCTURE Small and Medium Size Enterprises - Poland 99.5 M PLN 23.74 M EUR 31.3 M USD 19.0 M GBP Small and Medium Size Enterprises Austria, Germany, Switzerland Public Sector 172.0 M PLN 41.05 M EUR 54.1 M USD 32.9 M GBP 102.4 M PLN 24.43 M EUR 32.2 M USD 19.6 M GBP Industry and Utilities 94.1 M PLN 22.46 M EUR 29.6 M USD 18.0 M GBP 1 038.4 M PLN 247.86 M EUR 326.7 M USD 198.8 M GBP Medicine 31.0 M PLN 7.41 M EUR 9.8 M USD 5.9 M GBP Others 19.5 M PLN 4.66 M EUR 6.1 M USD 3.7 M GBP Telecommunications, Media, IT 263.3 M PLN 62.84 M EUR 82.9 M USD 50.4 M GBP Trade and Services 117.8 M PLN 28.12 M EUR 37.1 M USD 22.6 M GBP Finance and Banking 138.7 M PLN 33.12 M EUR 43.7 M USD 26.6 M GBP COMPANY PROFILE 9

RESEARCH AND DEVELOPMENT EXPENDITURE 120 COMARCH SA COMARCH GROUP 92.8 103.3 101.4 104.4 111.4 90 96.6 92.9 60 30 43.9 46.9 51.5 51.3 62.1 67 65.5 68.5 73.9 27.7 0 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 M PLN 6.2 9.7 11.7 13.2 25.6 26.3 11.8 15.5 16.2 15.7 16.3 17.6 24.3 24.8 26.6 7.1 12.1 14.4 16.7 35.1 38.5 16.4 20.4 22.6 20.3 21.7 23.2 31.4 33.0 35.0 4.3 6.6 8.0 9.0 17.6 21.2 10.5 13.2 14.1 12.7 13.8 14.1 19.7 21.1 21.3 M EUR M USD M GBP 10 COMPANY PROFILE

REVENUES FROM SALES GEOGRAPHICAL STRUCTURE Export 480.9 M PLN 114.78 M EUR 151.3 M USD 92.1 M GPB 1 038.4 M PLN 247.86 M EUR 326.7 M USD 198.8 M GBP Poland 557.5 M PLN 133.07 M EUR 175.4 M USD 106.7 M GPB COMPANY PROFILE 11

STABILIZATION OF EMPLOYMENT 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 4 9 33 52 155 449 695 734 788 826 1 126 1 551 1 857 2 464 2 853 3 316 3 260 3 462 3 446 3 759 4 222 4 211 5030 first-class professionals (programmers, computer scientists and engineers), graduates from the best polish and foreign universities 2015 Q1-Q3 0 1000 2000 3000 4000 5000 5 030 12 COMPANY PROFILE

PHILOSOPHY REGARDING COOPERATING WITH CUSTOMERS n Implement projects within budgets and schedules. n We offer the best value for money. n We understand your business needs and the technology that you use, we take these into consideration when creating solutions. n We provide services to many business models from the traditional and wireless MVNOs. n We provide faster implementation and easier integration, thus reducing the risks of a project. n We create easy, configurable solutions that will grow with business requirements. n We specialize in ERP business management systems, information security, CRM systems and sales support, electronic communications, and business intelligence. n We offer outsourcing services and consulting.

DIVERSIFIED PORTFOLIO OF PRODUCTS & CUSTOMERS Telecommunications Financial Services FMCG Retail Travel Oil & Gas 14 COMPANY PROFILE

CHAPTER II COMARCH IN EVERYDAY LIFE

8 MILLION APPLICANTS HANDLED BY THE QUEUE MANAGEMENT SYSTEM OF THE SOCIAL INSURANCE COMPANY (ZUS) 475 REGISTERED TRIALS OVER 50 TELECOM COMPANIES WORLDWIDE ARE USING COMARCH BSS/OSS OVER 300 MILLION MOBILE SUBSCRIBERS IN EUROPE SERVED BY COMARCH BSS/OSS 125 FOREIGN AFFAIRS AGENCIES AROUND THE WORLD WITH THE DOCUMENT CIRCULATION SYSTEM 500GB (2,5 MILLION FILES) STATISTICS PROCESSED DAILY IN THE NG PERFORMANCE MANAGEMENT SYSTEM MORE THAN 600 000 OWN CRYPTOGRAPHIC CARDS SOLD ON THE POLISH MARKET MORE THAN 12 000 OWN MICROSD CRYPTOGRAPHIC CARDS DELIVERED TO THE GENERAL POLICE HEADQUARTERS OF POLAND ALMOST 2000 REPORTS COUNTED DAILY BY NG PERFORMANCE MANAGEMENT, IN LESS THAN 1 MINUTE (ON AVERAGE) 50 000 000 000 CDR RECORDS PROCESSED BY COMARCH BSS IN 2014 6,6 MILLION OBJECTS MANAGED WITHIN 1 PROJECT BY COMARCH FAULT MANAGEMENT COMPANY PROFILE 17

OVER 5 MILLION SWIFT MESSAGES PROCESSED ANNUALLY OVER 200 BUSINESS PROCESSES DEFINED IN THE COMARCH LOAN ORIGINATION SYSTEM OVER 2.5 MILLION OPERATIONS ON SECURITIES ANNUALLY OVER 15 THOUSAND USERS OF COMARCH LOAN ORIGINATION/ COMARCH BUSINESS PROCESS MANAGEMENT SYSTEMS OVER 16 YEARS OF EXPERIENCE IN IMPLEMENTING CREDIT SYSTEMS OVER 5 THOUSAND BANK BRANCHES USING THE COMARCH CRM BRANCH OFFICE SYSTEM EVERYDAY COMARCH OVER 2.7 MILLION BALANCES ON SECURITIES ACCOUNTS 200 THOUSAND INVESTMENT REPORTS GENERATED MONTHLY OVER 20 THOUSAND EMPLOYEES USING THE COMARCH CRM BRANCH OFFICE SYSTEM EVERY DAY OVER 50 ASSET AND WEALTH MANAGEMENT COMPANIES WORLDWIDE 18 COMPANY PROFILE

215 MILLION MEMBERS OF LOYALTY PROGRAMMES IMPLEMENTED BY COMARCH 5.9 BILLION PROCESSED LOYALTY TRANSACTIONS MORE THAN 43 000 CLIENTS USE THE BACKUP IBARD24 SERVICE MORE THAN 35 PERCENT OF CLIENTS OF THE ERP DIVISION USE SOLUTIONS AVAILABLE IN THE CLOUD 300 MILLION DOCUMENTS PROCESSED BY COMARCH EDI SYSTEM IN 2014 MORE THAN 300 ERP PROJECTS IMPLEMENTED WITH THE USE OF EU FUNDS 2.1 BILLION DOCUMENTS STORED IN THE IMPLEMENTED COMARCH ECM SOLUTIONS 120 THOUSAND CLIENTS USE COMARCH CLOUD 20 MILLION GENERATED DELIVERY ORDERS IN THE COMARCH SFA SYSTEM MORE THAN 1000 ACCOUNTANCY OFFICES IN THE IKSIEGOWOSC24 SOCIETY 13 DATA CENTERS AROUND THE WORLD MORE THAN 7000 LICENSES FOR BI USERS IN THE ERP SYSTEMS COMPANY PROFILE 19

CONTACT US Visit www.comarch.com for the contact information of our offices in the following countries: Albania Austria Belgium Brazil Canada Chile Finland France Germany Italy Luxembourg Malysia Panama Poland Russia Singapore Spain Sweden Switzerland Turkey UK Ukraine United Arab Emirates USA ABOUT COMARCH Comarch Spółka Akcyjna with its registered seat in Kraków at Aleja Jana Pawła II 39A, entered in the National Court Register kept by the District Court for Kraków-Środmieście in Kraków, the 11th Commercial Division of the National Court Register under no. KRS 000057567. The share capital amounts to 8,133,349.00 zł. The share capital was fully paid. NIP 677-00-65-406. Copyright Comarch 2016. All Rights Reserved info@comarch.com ir@comarch.com www.comarch.com