NOVEMBER 2014 COUNTRY AND SECTOR ANALYSIS REPORT

Old Town Pier in , FI SECTOR ANALYSIS OVERVIEW

Diners Club International® is owned by Discover We realize our customers, especially those in Financial Services® (NYSE: DFS), a direct the corporate sector, desire ease of card use banking and payment services company with when traveling globally. In recognition of this one of the most recognized brands in U.S. need, Diners Club continues to increase card financial services. Established in 1950, Diners acceptance in the travel and entertainment Club International became the first multi-purpose (T&E) sector. Additionally, we are optimizing charge card in the world, launching a financial geographical and sector penetration within revolution in how consumers and companies select markets. pay for products and services. Today, Diners This Country and Sector Analysis report serves as Club® is a globally recognized brand serving the an annual guide to merchant acceptance within payment needs of select and affluent consumers, select countries. This report provides a snapshot offering access to more than 558 airport lounges of acceptance at travel and entertainment worldwide, and providing corporations and (T&E) merchants which had a minimum of one small business owners with a complete array of transaction over a rolling 12 month period. expense management solutions. With acceptance Additionally, we have added an external source, in more than 185 countries and territories, millions Lanyon1, as a source for the hotel sector. of merchant locations and access to over 1M cash access locations and ATMs, Diners Club is uniquely qualified to serve its cardmembers all over the world.

1. Lanyon is a leading provider of content and spend management solutions to the travel, transportation and hospitality industries. TABLE OF CONTENTS

04 HOTELS

05 RETAIL

06 RESTAURANTS

07 TRAVEL AND TRANSPORTATION

08 CASH ADVANCE 4 GERMANYFINLAND – HOTELS

The following provides a current snapshot of Diners Club acceptance at major hotel chains. There is also strong coverage in the top domestic chains and independent establishments, some of which are also highlighted below.

MAJOR CHAINS Best Western International Radisson Hotels and Resorts The Luxury Collections Crowne Plaza Radisson Blu Hotel Hotel Kamp Helsinki Hilton International Restel Hotel Group World Hotels Holiday Inn Cumulus Airport Hotel Hotel Fabian Otedis Hotels Hotel Atlas Scandic Hotels Hotel Kantarellis Hotelli Seurahuone Helsinki Small Luxury Hotels Hotel Vuoksenhovi Rantasipi Airport Hotel Hotel Haven Spa Hotel Rantasipi Siuntio Sokos Hotels

INDEPENDENTS Aland Hotel Hotel Degerby Hotel Sello Break Sokos Hotel Hotel Glo Hotel Vaakuna GLO Hotel Art Hotel Hanasaari Hotell Arkipelag Hamburger Bors Sokos Hotel Hotel Hullu Poro Hotelli Haikon Kartano Hellsten Espoo Hotel Ivalo Hullu Poro Holiday Club Katinkulta Hotel Jemse Klaus Hotel Hotel Anna Hotel Kemp Lapland Hotel Hotel Art Hotel Linna Lapland Hotel Hotel Arthur Hotel Paviljonki Naantali Spa Hotel Hotel Astor Vaasa Hotel Rivoli Jardin Rivoli Jardin Hotel Hotel Bonus Inn Hotel Santa Claus Tornio City Hotel

2013 DFS Services L.L.C. 5 GERMANYFINLAND– RETAIL

Diners Club is widely accepted at retail stores and luxury brands and continues to grow the retail footprint.

Aarikka Capi Lux Hemtex Accessorize Carlings Hong Kong Airport Fashion Carlson Change Idea Airport Retail Cheapsleep Iittala Ajatar City Anttila Illi Sport Aleksi City Sport Indiska Alepa City Tokmanni Hervanta Instrumentarium Alko Clas Ohlson Intersport Andiata Store Classic Golf Intru Annensoppi Cobello Jack Jones Annikki Karvinen Collage Jackpot Anton Come to Finland JC Jeans Antti Airio Companys Kamppi Jesper Junior Anttila Crocs JYSK Apteekki Cubus K-City Market Arabianrannan Cumulus Airport Shop K-Extra Arktikum Day Sistusliike Kicks Artek Deli Deli Lakkapee Artisaani Della Marga Laura Ashley Aseman Kello Design Forum Lindex Asko Design Shop Louis Vuitton Aste Diesel M Boxi Astialiisa Din Sko Mango Asuna Dots Marimekko Atelje Dio Delta Dressmann Max Mara Aura Du Arte Minimani Bauhaus Duetto Moda Beamhill Ecco Shop Moomin Shop Belizia Eeva Attling Mulberry Benetton Ehterin Napapiirin Bieder Eiran Neo Partner Bik Bok Espoo Nordic Star Bjorn Borg Esprit Paytrail Body Shop Filippa Pukumies Boknes Finavia Duty Free Robinhood Boomerang Finnair Shop Seppele Boss Shop Gant Store Siwa Boutique Kaarina Gigantti Sokos Boutique Minzi Gina Tricot Stefanina Boutique Patiini Glitter Forum Stockmann BR Lelut Golf Center Tommy Hilfiger Brothers Guess? Toys “R” Us Brunberg H&M Tumi Budget Sport Halonen Vero Moda Caffi Halpa Halli Zara Calanna Antonio Halti Helsinki Store Zio

2013 DFS Services L.L.C. 6 GERMANYFINLAND – RESTAURANTS

Diners Club is widely accepted at many restaurants and continues to grow the restaurant footprint.

A&S Restaurants Go Café Pizzeria Napoli Alva Go One Plevna Amarillo Grande Grill Porocks Ravintolat Aussie Bar Grillsson Pub Jumpru Avecra Oy Hanko Sushi Pure Bistro Baguette Hello Café Putte Bar & Pizza Baker’s Bar & Restaurant Hemingway Ravintola Bar Delight Huviretki Restaurant Ask Bar Iguana I Love Food Ristorante Gastone BBQ House Iguana Robert’s Coffee Bistro Lepot Il Siciliano Rosso Bistro Sinne Indigo Restaurant Salutorget Bodega Salud Jack The Rooster Salve Boulevard Social Juttutupa Samrat Indian Cuisine Brahen Kellari Kaarle Xii Sausage Co Bravuria Kaarna Baari Keittio Savoy Burger King Kahvila Fontana Seasons Cabaret Karaoke Bar Sergio’s Café Alvar A. Kellarikrouvi SIS Deli & Café Café Bar 9 King Crab House Sokeri Jussin Kievari Cafe Ekberg Konig Bar Spagheteria Cafe Esplanad Koskikeskuksen Ravintolamaailm Starbucks Cafe Picnic La Famiglia Stefan Steakhouse Cafe Tori La Grill Sticky Wingers Cafe Torpanranta La Patrona Strampen Cafe Ursula Lappi Ravintola Street Bar Cantina West Manhattan Steak House Strindberg Casa Largo Marie Park Restaurant Subway Cesar’s Pizza Food Court Marski Bar Sushi Bar Chicos Martina The Monkey Classic Pizza Maya Bar Grill The Pullman Bar Coffee House Memphis Tokyo 55 Coffee Spoon Moms Tony’s Deli Copas Tapas Morrison Grill Toolonranta Corona Baari My City Helsinki Trattoria Ednados Naantalin Hovi Tre Pirkkala Lentoas Elite Namu Tres Bones Erottaja Night Oak Barrel Two Tigers Fazer O’Learys Venus Fly Inn Oluthuone Kaisla Vespa Fonda Del Sol Ounasvaaran Pirtit Viikinkiravint Food Court Restaurant Panimoravintola Koulu William K Fransmanni Parilla Wine View Gaselli Public House Park Restaurant Bar Zetor Gastrobar Pickwick Kaivokatu Gastropub Pizza Hut

2013 DFS Services L.L.C. 7 GERMANYFINLAND – TRAVEL AND TRANSPORTATION

Diners Club is accepted at several travel related merchants and continues to grow the travel footprint.

Airlines Virtually all airlines in Finland accept Diners Club.

Petrol ABC Neste Oil Shell Esso

Rental Cars Avis Europcar Paytrail Budget Hertz Sixt

Taxis Autopalv Kovanen Juha Pekka Cabforce Lehfonen Pennti Espoon Markku Pohjolan John Soderberg Matti Ralmo Jouko Paaro JTT Taxit Pasi

Travel Agents

BCD Travel Next Travel Paytrail Hogg Robinson Nordic Open Top Travel

2013 DFS Services L.L.C. Central Railway Station in Helsinki, FI 8 GERMANYFINLAND – CASH ADVANCE

CASH ADVANCE

Diners Club cardmembers can withdraw cash from over 1,600 ATMs in Finland.

Easily locate the ATMs in Finland by accessing the DCI Global ATM locator at HTTPS://WWW.DINERSCLUBCASH.COM/LOCATOR/SEARCH.DO

CONTACT US

If you have questions about acceptance, or you have encountered preferred establishments that currently do not accept Diners Club, please contact us. Our sales team will get in touch with the establishment to negotiate Diners Club acceptance.

SEND ALL INQUIRIES TO [email protected]

The information contained in this document is confidential and proprietary and is based on internal and external research. Any unauthorized use, copying, dissemination or 2013disclosure DFS of Services this information L.L.C. is strictly prohibited. Diners Club International® does not give any warranties or representations (express or implied) with regard to the accuracy, quality, timeliness, reliability or completeness of any information contained in this document. © 2014 DFS Services LLC