ETHICAL BUSINESS PRACTICES ATTESTATION

ETHICAL BUSINESS PRACTICES ATTESTATION

Compania Nacional de Pagos S.A. (“Company”) acknowledges that Creditus International (“Creditus”) is a shareholder of Company as evidenced by the Shareholders’ Agreement dated August 7, 1997, as amended, that Company conducts business under the name of CredriNet in Perú as evidenced by the Trademark License Agreement dated December 16, 1997, and that Company is a Member of Creditus with the right to affiliate businesses that accept Creditus products and to process transactions generated by Creditus Cardholders in Perú, as evidenced by the Membership Agreement dated February 10, 1997. Company further acknowledges hereby this attestation (the “Attestation”) that:

1. Company shall establish and maintain its books and records, and prepare its periodic statements of accounts in accordance with accounting practices and procedures established by Company. These practices and procedures shall provide that Company shall: (a) make and keep books, records, and accounts which, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the Company; and (b) devise and maintain a system of internal accounting controls sufficient to provide reasonable assurances that:

i. transactions are executed and access to assets is given only in accordance with management’s general or specific authorization;

ii. transactions are recorded as necessary to permit preparation of periodic financial statements and to maintain accountability for assets; and

iii. the recorded accountability for assets is compared with the existing assets at reasonable intervals and appropriate action is taken with respect to any differences.

2. The Board of Directors of Company shall adopt and implement policies and compliance procedures on ethical business practices.

3. The Company and its officers, directors, employees, or agents thereof shall use only legitimate business and ethical practices in commercial operations and in promoting the Company’s position on issues before governmental authorities. Neither the Company nor any of its officers, directors, employees, or agents shall pay, offer, promise, or authorize the payment, directly or indirectly, of any monies or anything of value to any government official or employee or any political party or candidate for political office, for the purpose of influencing any act or decision of such official or of the government to obtain or retain business, or direct business to any person (any such act being a “Prohibited Payment”). A Prohibited Payment does not include:

i. Modest facilitating payments to low-level government employees for the purpose of expediting a service or routine administrative action ordinarily performed by such employees, provided the recipient of such service or action is entitled to receive such

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