TSYS Managed Services. Improve customer service, reduce costs and strengthen customer relationships through. Leverage best-in-class customer service

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1 Solutions Overview Contact Center and Servicing Solutions Cost-effective, customized strategies Leverage best-in-class customer service Global, multi-lingual service models Improve customer service, reduce costs and strengthen customer relationships through TSYS Managed Services

2 TSYS Managed Services TSYS Managed Services is your strategic partner for customer support and backoffice solutions, ensuring your service-oriented business processes are managed efficiently and successfully. Our mission is two-fold: to help you grow your business and boost your bottom line performance. We do this by combining our vast knowledge of issuer- and acquirer-servicing processes with our relentless pursuit of customer relationship excellence.

3 Contact Center and Servicing Solutions Solutions Overview Today s market increasingly places pressure on businesses to reduce costs and improve efficiencies. These businesses need an effective partner to handle the processes associated with day-to-day contact center operations everything from handling inbound and outbound calls to managing risk and back-office processes. The need to drive down costs and effectively manage your customer relationships has never been so important. TSYS Managed Services is uniquely qualified to handle your customer service, back-office and sales-support challenges. We merge expert payment-industry knowledge with all of TSYS platforms and value-added product solutions to give you an unprecedented level of service with cost-effective offerings. We provide support for a variety of card programs, including commercial and consumer credit, debit, retail, loyalty, healthcare and prepaid. Our menu of services consists of five primary categories: 1> Customer service 2> Risk and fraud management 3> Back-office services 4> Disputes and chargebacks 5> Collections 1> Customer Service TSYS Managed Services provides award-winning customer service and support for issuers, acquirers and clients in the loyalty, healthcare and prepaid markets. We provide a variety of services including inbound call inquiries, state-ofthe-art interactive voice response (IVR), after-hours and merchant point-of-sale (POS) terminal help desk support with multi-lingual agents in service centers across the globe. Our Voice of the Customer service combines welcome calls, analytics, after-call surveys and customized reporting packages to help you retain customers. 2> Risk/Fraud Management Services Seasoned, best-in-class industry experts will work with you through a variety of tailored program offerings to detect, investigate and prevent fraud. Our experienced fraud strategy team identifies compromises and suspicious activity and our dedicated risk contact center provides around-the-clock customer support.

4 Contact Center and Servicing Solutions Solutions Overview TSYS Managed Services is your strategic partner for contact center customer support and back-office solutions, ensuring your service-oriented business processes are managed efficiently and successfully. TSYS Managed Services Our Experience Industry Leading Technology Agent Development Advanced Management Tools Strategic Partnerships

5 3> Back-Office Services Our back-office services range from application entry, VIP and executive complaint responses, and correspondence processing (including payment research, balance transfers, credit balance refunds, account maintenance, account research, and consumer dispute verification and universal data forms). We also handle off-phone functions such as imaging, copy retrieval requests, returnedmail processing, mail forwarding, commercial storage and client and customer responses. 4> Disputes and Chargebacks TSYS Dispute Resolution SM is a comprehensive chargeback and dispute service for issuers and acquirers, performed by a dedicated team of highly knowledgeable specialists. Agents use a powerful system that provides access to realtime information, automates tasks and captures critical data and images. TSYS resolves dispute cases with unsurpassed speed and accuracy, and has successfully processed millions of disputes and chargebacks. Our broad range of services spans retrieval requests through chargeback, reversal, representment, arbitration, compliance, collections and customer support. 5> Collections Our Collections experts use tactical negotiation skills to ensure payment arrangements while providing exceptional customer service. We service a wide variety of areas including card, consumer, retail, utility and small business or commercial segments. We also offer state-of-the-art, multi-channel communications technology, outbound dialer solutions and a unique and accurate Skip Trace system.

6 Contact Center and Servicing Solutions Solutions Overview TSYS Managed Services TSYS Managed Services has a unique view across the financial services outsourcing industry. Managing multiple processes and portfolios for our partners allows us to develop best practices to optimize efficiency and increase customer satisfaction. Our specialists receive superior and ongoing training on our systems and the financial services industry, allowing us to seamlessly act as an extension of our clients. Depending on your business requirements, TSYS Managed Services can service a single aspect of your portfolio needs or act as a complete end-to-end outsourcer that will service your entire program or portfolio. We manage more than 3,000 seats throughout our global contact centers, and support clients across the entire payment processing spectrum to include: issuing, acquiring, prepaid, loyalty and healthcare. Our 24-hour contact centers offer multiple choices for on-shore, near-shore and offshore service delivery locations.

7 to learn more about how to reduce your servicing costs while strengthening your customer relationships, contact TSYS Managed Services at or or visit us on the web at

8 One TSYS Way Columbus, GA About TSYS TSYS (NYSE: TSS) is reshaping a new era in digital commerce, connecting consumers, merchants, financial institutions, businesses and governments. Through unmatched customer service and industry insight, TSYS creates a better experience for buyers and sellers globally, supporting cross-border payments in more than 85 countries. Offering services in credit, debit, prepaid, mobile, chip, healthcare, installments, money transfer and more, TSYS makes it possible for those in the global marketplace to conduct safe and secure payment transactions with trust and convenience. TSYS global headquarters are located in Columbus, Georgia, with other local offices spread across the Americas, EMEA and Asia-Pacific. TSYS serves approximately 400 clients in 85 countries, including relationships with more than half of the Top 20 international banks. The people of TSYS are respected around the world for the spirit of true partnership they invest in every relationship and business decision. By the passion they bring to the world of payments, the people of TSYS are known as good people to do business with. Get to know us at tsys.com, or contact us at to learn more about how we can serve as the trusted partner in your payment strategies 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. (11/2010)