Submission #5

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QUESTIONS

1. In which Member State is your institution established? Poland

2. Please provide information on the type or nature of customers or categories of customers you have decided not to service and/or on the financial products you have withdrawn from providing. Acquiring - we are a payment institution

Please provide quantitative data where possible in support of your response (e.g., how often this type of decisions are taken per calendar year, an estimate % this represents in the total number of your business relationships, etc.). -

3. Which risk factors does your institution consider when assessing whether to withdraw from serving certain customers or categories of customers or from offering certain products? In your experience, is one risk factor more important than others? If so, which one? Low level

4. What measures (such as offering alternative products, increasing the price for an existing product, or restricting the features of an existing product) has your institution taken to mitigate potential detriment arising from your de-risking decision? We do not consider AML risk as high

6. In which Member State is the financial institution that decided not to have/withdraw business relationship with you established? -

7. Which financial product have you been denied access to? Bank account

8. How did it affect you and what was the concrete impact of this decision? No posibillity to offer payment serices

Please provide quantitative data where possible in support of your response. -

9. How was the decision not to have/withdraw a business relationship with you explained by the financial institution? No explanations

10. Were you given an opportunity to have this decision reviewed and if so, what was the process involved with what outcome? Please provide details. -

11. Were you able to use alternative channels to access financial services? Please explain. No.

Type of organisation: Financial Institutions

If you selected “Financial Institutions”, please specify the type here: Payment Institution

If you selected ‘others’, please specify here:

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Name of the organization Paymento Financial S.A.

Contact name Andrzej Poniński