TSYS Managed Services. Reduce your fraud exposure and losses by utilizing Fraud Mitigation Services from

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1 Solutions Overview Full Suite of Managed Services for Mitigating Fraud Leverage our global visibility to identify and prevent fraud Select from a suite of services to meet your needs Reduce your fraud exposure and losses by utilizing Fraud Mitigation Services from TSYS Managed Services

2 TSYS Managed Services TSYS Managed Services is your strategic partner for fraud mitigation, providing constant vigilance in order to protect your portfolio from fraud attempts and losses. Our services cover the entire fraud mitigation cycle such as prevention, detection and recovery services. Managed Services dedicated risk contact center, industryleading technology and staff of well trained, experienced agents combine to give you an unparalleled level of protection. TSYS Managed Services averages 20,000 calls per month in our 24x7x365 dedicated risk contact center.

3 Full Suite of Managed Services for Mitigating Fraud Solutions Overview Issuer fraud losses have been estimated at $2.4 billion per year in the United States, and this excludes costs to merchants. Today s criminals plan sophisticated operations in order to gain access to consumers information and accounts. Conducting fraudulent activities is no longer the work of isolated individuals, but includes multinational teams with advanced technologies and techniques. Card fraud is top of mind for U.S. consumers today, and has even surpassed terrorism as a concern in the UK. Additionally, internal resources are limited and expensive. With this in mind, providing your customers with the best protection possible ensures their loyalty and enhances their relationship with your institution. TSYS Managed Services is uniquely qualified to reduce your risk and lower your losses as a result of fraud. Our fraud mitigation team has a unique vantage point across multiple global clients and payment platforms, allowing an unprecedented view of fraud and potential fraudulent activity. This allows our team of experts to identify and mitigate fraud, which saves our clients and their customers time, money and exposure. Our clients average approximately 20- to 30-percent lower fraud basis points than the industry standard. Credit Missing information outbound calls Bust-out scenarios Verify cardholder before credit card approval Feedback to fraud strategy Fraud Strategy Queue construction, analysis and adjustments Early warning on fraud incidents/ compromise Personalized consulting Identify emerging fraud patterns Fraud Detection Industry-leading technology Security fraud work baskets Outbound verification calls Feedback to strategy Fraud Investigations Maximize recoveries Validate chargeback potentials Case analysis and management Feedback to strategy

4 Full Suite of Managed Services for Mitigating Fraud Solutions Overview The fraud mitigation group maintains a 100 percent success rate of identified confirmed status for reporting to the networks. TSYS Fraud Management Lifecycle ANALYZE REPORT PREVENT INVESTIGATE DETECT ANALYZE: Analyze data to understand patterns and trends, and use that insight to build prevention strategies PREVENT: Strategic planning, monitoring and systems to prevent fraud DETECT: Using systems and analysts to detect fraudulent activity INVESTIGATE: Investigate all cases to gain an understanding of how and where the fraud was perpetrated REPORT: Report on all fraudulent transactions in detail to allow for analysis and trending

5 Dedicated Risk Contact Center Identify and initiate the dispute process Lost/stolen and authorization referrals Take inbound fraud verification calls Feedback to strategy Automated Dialer Interactive verifications Hosted solution Automated fraud alerts Mass compromise alerts Fraud Chargebacks All-channel fraud claims Chargebacks and representments Arbitration and compliance Feedback to strategy Fraud Reporting Standard and custom reporting available Ratio of calls to confirmed fraud Disposition of calls (call types) Fraud department effectiveness TSYS Fraud Strategy team has uncovered a large percentage of major fraud compromises confirmed by the networks.

6 Full Suite of Managed Services for Mitigating Fraud Solutions Overview One major global client has experienced a drop from 40 fraud basis point to 4 fraud basis points and has experienced the lowest fraud rates in the history of their company. TSYS Managed Services TSYS Managed Services has a unique viewpoint across the payments industry. Our fraud mitigation team supports multiple clients and payment platforms, allowing us to identify trends and stop fraud and potential fraudulent activity. Managing multiple processes for various partners also allows us to develop best practices for mitigating fraud so that we can apply those practices across our portfolio optimizing efficiencies and improving overall cardholder satisfaction. As a result of superior and continuous training, our fraud analysts tenure is unmatched in the financial industry. To further reduce risk, the fraud mitigation team interacts on a continuous basis with numerous contacts in the industry including financial institutions, law enforcement agencies and external fraud strategy groups. Our dedicated risk contact center is staffed with agents specifically trained in fraud and risk reduction. Coupled with their experience, these agents have a familiarity with the fraud chargeback process for an ideal balance between maximum portfolio protection and positive cardholder experience. Our fraud investigators can contact the cardholder directly, and in the event that the fraud is verified, can then take immediate action to block the account. In addition, automated processes within our system can facilitate the transfer of account history and transactions.

7 to learn more about how to reduce your fraud risk and strengthen 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, supporting cross-border payments in more than 85 countries. Offering merchant payment-acceptance solutions as well as 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 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. 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. (08/2011)