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1 Europe Regional Overview connecting buyers and sellers An Overview of Our European Payment Services

2 Europe Regional Overview Our state-of-the-art European data centre, purpose-built in 2004, houses the most advanced technology environment and provides levels of resilience and redundancy unmatched by our competitors. In 2012 it managed more than 53 million accounts and processed more than 1.3 billion transactions.

3 TSYS EUROPE SM In 2011, we celebrated 10 Years of European Processing The European payments business is constantly being reshaped by unique market characteristics that define the way buyers and sellers connect. The competitive landscape is tightening, the cost of doing business is increasing and some have suggested that prospects for growth may seem stagnant. But in the face of these challenges lie significant opportunities in digital commerce. Whilst the promise of a single European market has helped create a more dynamic environment for financial services and the payments industry, the reality of the current economic climate has presented many pressing challenges for European issuers and acquirers. Already confronted by rising costs of compliance, mounting regulatory directives and an increasingly consolidated competitive landscape, maintaining even modest growth has become a key concern. As a global payments solution provider, TSYS can help turn these challenges into opportunities with the right solutions, expertise and experience to help you achieve cost efficiencies and best position your business for growth. Specific to EU needs, TSYS provides EMV-compliant support for multiple countries, languages and currencies. We offer a broad range of technology solutions, both licensed and outsourced, giving you options that are tailored for your business model. This is the type of flexibility that characterises TSYS throughout the world. Buyers and sellers, you and us that s the brains behind Europe s digital commerce. tsys europe snapshot Headquarters in York, UK with operational and support offices across Europe 10 offices in 5 European countries Employs approximately 1600 team members State-of-art 30 million UK-based data centre providing processing for clients Process more than 53 million European accounts on file Acquired Card Tech Limited (CTL) in 2006, providing licensed payments solutions in Europe since 1991 Servicing 22 European licensing clients across 18 countries 38 processing relationships providing processing services in 22 European markets 1

4 Europe Regional Overview BUYERS: Supporting cross-border, multiple country payments Although now a major multinational payments processor with a strong commitment to the European market, TSYS originated from a U.S.-based community bank when the North American credit-card industry was just emerging. Though much has changed since we began our earliest roots in banking, the end consumer is still at the heart of the transaction, making choices about when, where and how to make purchases. Since those early days, we have grown to become a corporately stable, financially strong, multinational with offices and data centres located around the globe. The people of TSYS understand that this longevity and success is driven by our clients success, and their success is contingent upon the satisfaction of the end consumer. As one of the world s most reliable independent service providers, we serve European issuers with a suite of leading solutions. Processing We provide a unique range of payment solutions to suit your individual business models, based on a shared European platform. We offer our TS2 processing service as an outsourced model, as well as the PRIME platform complete with value-added modules as a licensed model, and a combination of all services as a hybrid solution. TSYS believes that the choice of in-house, outsourcing or hybrid payment solution models will prove economically advantageous and strategically sound for our clients. Issuing TSYS provides its clients with the most comprehensive, end-to-end issuer solution available. Our solutions enable you to manage your customers through the entire life cycle of an account from determining the best prospects for your products and initiating campaigns to acquire them, to collections, recovery and beyond; all backed by best-of-breed reporting and data analytics. We offer integrated solutions for prospect and campaign management, cardholder servicing, collections and recovery, fraud prevention and detection, marketing and product management, portfolio and account management, card issuance, fulfillment, credit decisioning and application processing.

5 flexibility at the core TSYS offers the kind of flexibility that will enable you to deploy both in-house systems and our outsourced processing services if you are looking to expand your offerings multinationally giving you a familiar look and feel and capability across all your products globally. For example, if you are seeking a cross-border issuing and acquiring capability, we can reduce your costs of system deployment, servicing, support and scaling costs without significant infrastructure investment. Our parameter-driven systems enable rapid market entry, helping you pursue a fast time-tomarket, aggressive growth strategy in new territories where you may have little or no physical presence. Debit TSYS long-term strategy for debit is based upon a dedicated platform approach offering a single-comprehensive debit card management solution, tailored to meet specific debit card processing needs, market-driven changes, usage preferences and compliance-driven mandates in a cost effective, customer-centric way. Risk management tools that enable customer security and real-time fraud detection are also paramount as well as support for increasing customer expectations for flexible payment options and loyalty. Prepaid TSYS is a leading provider of prepaid card solutions that utilise the Visa, MasterCard, EFT and ATM networks for major global companies as well as domestic and international financial institutions. TSYS provides a dynamic, data-driven processing platform that integrates real-time administration and reporting tools, sophisticated marketing and communications technologies, and leading compliance and risk management systems, as well as other unique capabilities that are vital to processing for the prepaid market. Managed Services To further complement our payments processing solutions, TSYS also offers comprehensive managed services support for front or back office activities, utilising personnel who are specialists in key functions (fraud-case management and strategy, disputes and chargebacks, for example) to drive business benefits for our clients. This includes support for a variety of card programs, including commercial and consumer credit, debit, retail and prepaid. We also support clients globally across all TSYS processing platforms issuing, acquiring and prepaid and loyalty with Customer services, Risk-management services, Back-office support and Telesales services. Licensing Our single platform, licensed solution, PRIME, is a proven card and merchant management solution developed over the last twenty years to provide advanced multi-product support for credit, debit, charge, prepaid, loyalty, Islamic, commercial, private label cards, instalments, contactless and much more. It provides modular, user-friendly, operational support for all aspects of the card and merchant life cycle, including disputes and chargebacks, Web-based customer service, collections, fraud prevention and detection, and it is used by leading banks across the region. 3

6 Europe Regional Overview SELLERS: Accepting virtually any form of payment Today s European merchants look starkly different than their predecessors. In fact, the shop owner who spends the day waiting behind the counter is being displaced by a new type of merchant one who is increasingly both physical and virtual, on the go and in the cloud, and who isn t willing to wait passively for customers. Since establishing a European presence in 1991, TSYS has grown its business to become the foremost provider of processing for more than 53 million accounts across continental Europe and the preferred licensed solutions provider for more than 20 of the region s leading banks. We deliver comprehensive, end-to-end payment solutions to enable acquirers and their merchants to reliably process millions of card-based transactions every day. From authorising and capturing electronic payments at the point of sale (POS) to clearing and settling merchant transactions, to managing merchant terminals and providing information management services; we support acquirers in effectively managing and growing their merchant portfolios. Not only is it important to build relationships with the end consumer, but the merchants they do business with. We achieve this through: Leading technology to support business objectives TSYS has developed functionally rich and highly configurable solutions that deliver realisable business benefits providing clients with the ability to differentiate their portfolios and to support their strategic growth plans whilst maximising their existing technology investments. Full end-to-end solutions TSYS is a pure payment service provider and can support clients with in-house and outsourced issuing payment processing platforms that support platform hosting and security, network infrastructure, authorisation processing, clearing and settlement and chargebacks/disputes. Reduced Operational and Financial Risk Our tools, technologies and processes, enable clients to protect their financial and operational risk across the entire value chains of issuing and acquiring. From assessing the risk of new applications to fulfillment with processes and communications in place to monitor

7 authorisation and transaction management, TSYS offers a comprehensive array of support in every area of the card business. Improved speed-to-market Use of our highly flexible and functionally rich platforms reduces implementation time significantly. Given the open architecture of our platforms, we can bring new products to market quickly as well as delivering a fully fit-for-purpose and competitive solution. Ability to deliver TSYS has the experience and size to successfully deliver with the minimum impact during critical phases. TSYS has a track record of more than 150 successful migrations. Partnership approach TSYS takes the approach that it is entering into a partnership with our clients to work closely to ensure that all of the strategic and operational objectives of clients are met. Scalability TSYS platforms offer the benefit of being able to scale card operations quickly and effectively to support the growth needs of the business. Modularity Our solutions enable custom functionality to be implemented quickly and effectively, limiting cost and increasing in-market capability. Competitive costs TSYS is able to offer competitive processing fees based on the effectiveness, and low cost of change of our platforms, coupled with operational expertise and efficiency in the payments domain. reliability at the core 440 million = Number of consumer, commercial, prepaid, debit, healthcare, retail and acquiring accounts on file with TSYS. 14 billion = Number of transactions processed by TSYS annually. 50%+ = Percentage of relationships established with the top 20 card issuers globally. 5

8 Europe Regional Overview YOU: Pledging our commi TSYS is the preferred partner for some of the most recognised and respected financial institutions and retail organisations throughout Europe. Today, we are a leading provider in the European payment processing business, supporting more than 53 million accounts across the European region and providing a range of licensed payments solutions to more than 20 clients. There is active leadership in TSYS identified home markets UK, Ireland, the Netherlands, Germany, Italy, and Switzerland in card issuer processing, including debit card processing, as well as merchant acquiring, to allow TSYS to play a much wider role across the entire payment value chain. TSYS also has a strong market share in the Nordics providing many of the top banks with licensed TSYS PRIME payment solutions for more than 15 years. TSYS offers a full array of services that add quantifiable value to our clients portfolios. The combination of these services allows you to create the appropriate blended solution for your business, achieving incremental revenue gains and improving your customers loyalty and satisfaction. SERVING YOU: What Distinguishes TSYS From Our Competitors? A Culture of Service. The TSYS culture emphasises a true spirit of partnership, and we are invested in your success. We see our success directly related to yours and our goal is to provide you increased profitability and efficiency. Our Investment. Our methodical and deliberate approach to global expansion is centred on meeting the needs of our clients. We invest thousands of hours every year in our shared platforms to allow clients of all sizes to leverage this innovative and advanced technology. We also spend time building relationships, both with our clients and industry leading partners. As a result, we understand the European market.

9 tment to European clients Our Technology. We adhere to the highest standards for security, response times and reliability in the industry. Additionally, TSYS gives you a choice of processing platforms to suit your needs, all offering scalability and unmatched speed-tomarket advantages. Our Experience. Our core competencies in portfolio conversions and system development have allowed us to flawlessly convert millions of accounts, consult and enable numerous portfolio start-ups and new market entries. As one of the world s largest companies for licensed and outsourced payment solutions, we have the experience related to your strategic goals and deliver global experience with local-market emphasis. global solutions with local expertise TSYS European presence dates back to 1991 with the signing of its first licensing client whilst its processing presence began in During the past 20 years, TSYS has grown rapidly to meet the outsourced and licensed payment needs of major financial institutions across Europe. There is active leadership in TSYS identified home markets UK, Ireland, the Netherlands, Germany, Italy, and Switzerland in card issuer processing, including debit card processing, as well as merchant acquiring, to allow TSYS to play a much wider role across the entire payment value chain. TSYS also has a strong market share in the Nordics providing many of the top banks with licensed TSYS PRIME payment solutions for more than 15 years. TSYS offers a full array of services that add quantifiable value to our clients portfolios. The combination of these services allows you to create the appropriate blended solution for your business, achieving incremental revenue gains and improving your customers loyalty and satisfaction. 7

10 Europe Regional Overview US: Understanding the European marketplace TSYS has a long-term commitment to the European marketplace. As we continue to expand and develop our capabilities to offer our clients the necessary components to build smart solutions for their businesses and across their value chains, the combination of our technology components and core competencies provides you with a partner that is equipped to deliver customised solutions to address your needs. Our solution set includes: > Outsourced issuing processing and licensed solutions for commercial and consumer cards, including credit, debit, charge, prepaid, contactless and instalments > Range of value-added products and services for Issuers including: Card production and personalisation Statements and correspondence printing Financial management Prospect and campaign management Reporting and data analytics Fraud and credit risk management Application decisioning and processing Portfolio management, strategy and analysis Fraud services and 3D Secure Rewards / loyalty Collections Dispute management Mobile app Contact centre services (front and back office) Digital document management Internet self service application Customer service agent workflow management tool > Outsourced acquiring processing and licensed acquiring solutions > Range of value-added products and services for Acquirers including: Fraud monitoring Channel sales Back office support Loyalty Gift cards Multi-currency payment and pricing

11 Get to know us at or contact us at to learn more about how we can serve as the trusted partner in your payment strategies. TSYS has a major office in York, a booming vibrant city, combining a rich, historical background with modern cosmopolitan living.

12 7th Floor 10 Chiswell Street London EC1Y4UQ United Kingdom About TSYS At TSYS, (NYSE: TSS), we believe payments should revolve around people not the other way around. We call this belief People-Centered Payments SM. By putting people at the center of every decision we make, with unmatched customer service and industry insight, TSYS is able to support financial institutions, businesses and governments in more than 80 countries. Offering merchant payment-acceptance solutions as well as services in credit, debit, prepaid, mobile, chip, healthcare and more, we make it possible for those in the global marketplace to conduct safe and secure electronic transactions with trust and convenience. TSYS headquarters are located in Columbus, Georgia, with local offices spread across the Americas, EMEA and Asia-Pacific. TSYS provides services to more than half of the top 20 international banks, is a Fortune 1000 company and was named one of the 2012 World s Most Ethical Companies by Ethisphere magazine. For more information, please visit us at 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. (12/2012)

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