Doing Business With TSYS our approach to commerce and payments

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1 Doing Business With TSYS our approach to commerce and payments

2 TSYS at a Glance our purpose is to Improve Lives and Businesses by Putting People at the Center of Payments. WHO WE ARE Company Headquarters Columbus, Georgia United States 38 offices across 14 countries NYSE Stock Ticker TSS 30+ YEARS Established 1983 WHO WE SERVE More Than 400 clients in 80 countries A Global Scale With Regional Focus MERCHANTS ACQUIRERS NETWORKS/ BRANDS ISSUERS CONSUMERS TSYS provides data processing, servicing and reporting to stakeholders throughout the payments value chain: small business merchants, national merchants, acquirers, payment card networks, issuers and consumers. FINANCIAL STRENGTH As of 12/31/2013 Investment Grade Credit Rating from Standard and Poor s, and Moody's $6.2 billion Market Cap $2.1billion Total Revenues $3.7 billion Total Assets $634.2 million Adjusted EBITDA $323.6 million Adjusted Cash Earnings 16 billion Transactions Processed Per Year PEOPLE Nearly 10,000 team members Around the World For a second year in a row, TSYS was named We re honored In 2013, TSYS was recognized by for our commitment to improve the quality of life in communities where we do business. For a third year in a row, TSYS was a recipient of Military Times EDGE Magazine s Best for Vets 2013 Employers Award.

3 There is an increasing intersection between payments and the broader commerce life cycle. Some call it disruption. We call it opportunity. TSYS sits at the center of an evolving ecosystem, delivering high-value, transformational capabilities to the customers we serve. While the future of commerce takes shape, we are well-positioned to take advantage of major shifts occurring in payments, commerce and technology. The business of serving people Fundamental to our business is our focus on people. It is our belief that in our rapidly changing industry, this philosophy of putting people first will be the mark of a long legacy. Our world is always on, which means it is easy to become overwhelmed with the abundance of data, messages and choices. We avoid this saturation by reflecting upon our core belief and brand promise: We believe payments should revolve around people not the other way around SM. We call this belief People-Centered Payments. By putting people at the heart of every decision we make with unmatched customer service and industry insight TSYS supports businesses, financial institutions, governments and consumers with a vast array of payment tools for credit, debit, prepaid, mobile, chip, healthcare and merchant acceptance. Continuous reinvention Our business is constantly adapting to market forces, delivering high-value solutions and opportunities for our clients. The mark of a long legacy is a willingness to undergo transformation time and time again in a rapidly changing industry. Since we got our start in the payments space more than 30 years ago, TSYS has evolved from a supporting role serving issuers and acquirers to directly touching hundreds of thousands of merchants and millions of consumers. For years, TSYS core business had been providing third-party processing for bank issuers and merchant acquirers. We started processing for a few hundred financial institutions that needed their credit card and merchant portfolios serviced. When market forces demanded it, we became a direct merchant acquirer, touching hundreds of thousands of small- and mid-tier businesses. Today, we have transformed again to directly connect with millions of underbanked consumers who use our general-purpose reloadable (GPR) prepaid cards for an experience that is positive and empowering. Behind every account number, we see an individual with goals and dreams. It is our belief that everyone should have access to basic financial services, whether over the Web, on a mobile device, on an airplane, at a car-rental counter, or anywhere cash is commonly accepted. And tomorrow? The opportunities are limitless. 1

4 Growth and change on an international scale By focusing on global delivery with a local insight, TSYS makes it possible for those in the global marketplace to conduct safe and secure electronic transactions with trust and convenience. Operating in more than 80 countries, this global footprint allows the company to leverage scale and market expertise. A globally integrated model allows us to focus resources on client-oriented work and enables rapid deployment of TSYS capabilities to growth markets. As the largest provider of Visa and MasterCard commercial and corporate card services, we serve multi-national businesses and corporations through our relationships with global and regional banks to offer multi-currency and cross-border payments, as well as the digitization of businessto-business services. We realize that there is no one-size-fits-all approach to payments, and we account for different needs of different regions with a variety of licensed and outsourced solutions. Our growing licensing business for our issuer, acquirer and prepaid card management software, PRIME SM, supports banks in both developed and developing nations because of its natural flexibility. A consultative approach driven by innovation Today, we sit in a unique position where our customers also rely on TSYS as a company that can look across the collective client experience, anticipating unforeseen pressure points and unprecedented demands. There are few participants in the payments industry that have our scale and connections, and we think we provide order and stability in the midst of these industry shifts. In the next era of commerce, there will be an historic opportunity for all players across the payments space to influence change and transform the customer experience. The financial and societal implications of this shift should not be understated it is the opportunity of a lifetime, and our team is energized and ready to rise to the occasion. To this end, we have introduced the TSYS Idea Center SM, which brings the ideas of our team members and clients to life, and transforms them into innovative new products and solutions. In the TSYS Idea Center, team members are given hands-on interaction with new technology, in a culture of innovation that is extended to clients and leads to productive collaboration. We realize that positioning ourselves as an innovation company is certainly not the easiest path especially in the legacy payments industry. But our decision to continuously reinvent our company influences everything we do: how we plan our product roadmaps, how we outline enterprise priorities, how we make capital technology upgrades and more. 2 Our Approach

5 Customer experience is tantamount We see innovation and evolution happening at an incredible speed within the financial technology, payments, mobile and commerce spaces. Many of these ideas involve enhancing the customer experience and taking friction out of the process. Payments are becoming increasingly embedded in consumer experiences and conveniences, without an explicit conventional step such as swiping a card. When a payment becomes essential to the delivery of the solution, TSYS does best in providing value. Maybe it s by offering the tools to help businesses increase sales, track social and online reputation or provide peer comparison within the same location. Or perhaps it s helping the millions of consumers who find it challenging to conduct the simplest financial transactions by providing them with prepaid products and the freedom to be selfbanked. Within all corners of the payments industry, we believe experiences with TSYS should be positive and empowering and that we must keep a steady focus on offering the services our customers need. Amidst all the digital noise, we focus on enhancing the customer experience no matter what channel or device they choose to connect with their bank or business. 3

6 Transforming the technology landscape An expanding ecosystem of big data, connected devices and social networks requires open platforms. Just like the pipes that run beneath the world s biggest cities to deliver the water, electricity and gas needed to fuel the brilliant creations above them, TSYS is laying the groundwork to create an open technology environment that powers the next generation of digital innovation. There are few participants in the payments industry that have the scale and connections to power the future of payment innovation. Conducting transactions 44 million times per day on behalf of businesses, banks and consumers, and routing more than $2.6 trillion per year, TSYS has the capability to support innovation now and in the future with unprecedented interconnectivity. We ve made investments in our issuing, acquiring, prepaid and licensing systems as part of the next step of a larger evolution to deliver greater value to our clients. By creating a new, agile ecosystem that surrounds our core processing systems, we are transforming our company with a willingness to perpetually adapt our services and solutions to offer easier integration, greater flexibility and financial innovation. We re also creating a technology framework and open ecosystem where core processing platforms will be able to access newly developed digital services using application programming interfaces (APIs). This allows TSYS to build partnerships with other innovators who provide complementary services in and around the payments experience, making it easier and more cost-efficient to connect to our systems, and providing the foundation for ongoing innovation. Opening our platforms is the first of many strategic priorities that will fulfill our vision for the future. 4 Our Approach

7 It s more than a payment. The people of TSYS believe we are part of something bigger. Each and every day, we have the opportunity to touch millions of people and businesses both a tremendous honor and a huge responsibility. When we work together as partners, in the space where payments and commerce intersect, incredible things can happen by putting people at the center of payments. get to know us at tsys.com, or contact us at to learn more about how we can work together to put people at the center of payments.

8 get to know us at tsys.com, or contact us at to learn more about how we can work together to put people at the center of payments. about tsys At TSYS (NYSE: TSS), we believe payments should revolve around people, not the other way around SM. We call this belief People-Centered Payments. By putting people at the center of every decision we make, TSYS supports financial institutions, businesses and governments in more than 80 countries. Through NetSpend, a TSYS company, we empower consumers with the convenience, security, and freedom to be self-banked. TSYS offers issuer services and merchant payment acceptance for credit, debit, prepaid, healthcare and related business solutions. TSYS headquarters are located in Columbus, Ga., U.S.A., with local offices spread across the Americas, EMEA and Asia-Pacific. TSYS is a member of The Civic 50 and was named one of the 2013 World s Most Ethical Companies by Ethisphere magazine. TSYS routinely posts all important information on its website. For more, please visit us at twitter.com/tsys_tss facebook.com/tsys1 linkedin.com/company/tsys 2014 Total System Services, Inc. All rights reserved worldwide. Total System Services, Inc. and TSYS are federally registered service marks of Total System Services, Inc. in the United States. Total System Services, Inc. and its affiliates own a number of service marks that are registered in the United States and in other countries. All other products and company names are trademarks of their respective companies.

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