CREDIT PROCESSING. First Data takes you beyond with Credit solutions designed to meet the ever-evolving needs of your customers.

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1 CREDIT PROCESSING First Data takes you beyond with Credit solutions designed to meet the ever-evolving needs of your customers. Enabling innovative solutions through strategic alliances

2 HOW WILL YOU GO BEYOND? Today s marketplace is changing at a rapid pace right down to the ways your customers buy goods and services. To stay competitive, it s crucial for you to implement the credit processing strategy that delivers the most value to your business and realizes the potential of every transaction. At First Data, we re uniquely positioned to help your business succeed. With more than 40 years of global expertise, hundreds of products across 28 categories and 25,000 payment experts, we offer businesses the breadth and depth of solutions and services others simply can t. Let alone, from one single, integrated source. When you partner with First Data for your credit processing needs, you ll benefit from our vast experience, expertise and economies of scales that come with being a long-time industry leader in the card processing and management services. Customers will tell us, I m glad you re paying attention to my account. They like the fact that we re monitoring their transactions for them. It s helping them feel safer. They re not losing out, and we re not losing out. Electronic Services Manager, Firstbank Corporation

3 You know, you always look at the bottom line. But the intangibles like quality of service, the relationship we have with First Data, and their leadership in the financial services industry are what keep us with them. I can t see any processor doing a better job than First Data. Senior Vice President of Operations, DNB First FIRST DATA S BROAD PORTFOLIO Credit Processing is just one solution among a wide range of categories you can access all from one single-source provider. Prepaid Payment Acceptance Credit Debit & Switching ATM & Switching Licensed Software Information & Analytics Internet Banking Commercial Advanced Solutions Customer Communications & Innovation Payment Instruments Risk & Fraud Management Issuing & Access Solutions Network Solutions

4 GO BEYOND: CREDIT PROCESSING The ways your customers buy goods and services are evolving every day. They expect the convenience and access of making payments when they want and wherever they are. They want to use credit, debit, checks and more so having a full scale payment strategy is essential. Businesses are struggling to keep up with evolving consumer payment preferences and are looking for one-stop solutions for all of their payment processing needs. At First Data, our global experience across the full payments value chain gives us unique insights into the marketplace, allowing us to develop the most innovative and comprehensive solutions financial institutions and private label issuers need to leverage more value from their card portfolios. First Data Credit solutions are no exception. Our credit strategy is built on client and consumer expectations with a focus on regulatory compliance, processing efficiency, and innovative services. We help you stay competitive and become more profitable by offering a comprehensive credit solution to support every stage of the process, from application approval to remittance processing, to risk management solutions and outstanding customer service support. Utilize Credit solutions to DRIVE GROWTH Comprehensive Customer Acquisition & Retention Tools Improve Revenue Growth Solid Reputation for Managing Risk Driving Down Operational Expense Convenient and easy to use marketing materials assist with acquiring new cardholders and increasing usage while customized branding and messaging allows you to differentiate yourself from competitors. Plus we have tools that let you create promotional offers to help leverage marketing opportunities at the transaction level. Flexible account and transaction level pricing solutions allow you to develop pricing strategies to increase revenue and optimize your portfolio profitability. First Data s innovative security and fraud tools, like TransArmor and STAR CertiFlash, are designed to address your unique business challenges to help you stay ahead of fraudsters and mitigate credit losses. Plus, we help simplify the annual PCI DSS audit process. First Data supports a variety of back office activities allowing you to focus on your business. Utilize proven tools to consolidate and automate several areas of your credit program allowing you to decrease expenses by improving operational efficiency.

5 OUR CREDIT PROCESSING SOLUTIONS Whether you are a multi-national financial institution, a community bank, or a private label issuer, we have a comprehensive set of solutions to cover the entire lifecycle of credit processing. SOLUTION Acquisition & Origination FIRST DATA ADVANTAGE Intuitive tools to develop marketing materials assist in acquiring new cardholders. Plus access to traditional and non-traditional data sources help determine risk on new accounts. BENEFITS Capture your share of the market and profitably grow your portfolio by differentiating yourself in the marketplace through customized branding and messaging. Payment Instruments First Data s extensive experience in the card production and fulfillment process helps ensure faster delivery, better discounts and unsurpassed quality. Getting payment devices to your customers is easier and more efficient with our data preparation, production, and issuance service. Credit Processing First Data uses the latest technology for quick accurate processing. In addition, you can select from a variety of pricing solutions allowing you to differentiate pricing and fees at account and transaction levels, leading to increased revenue. Provide real-time approvals or declines to increase efficiency as well as enhance customer service. Enhance strategy development and operational efficiencies by accessing online tools to generate and view program reporting, easily retrieve archived statements, letters and other documents online. Credit Risk & Delinquency Choose from a broad range of solutions to help lower credit risk loss and improve collections by automatically triggering your defined delinquency and collection policy options for delinquent accounts. First Data offers a one-to-one approach to payment risk management that allows you to balance risk effectively while continuing to maximize quality customer acquisition and retention. Fraud & Information Services Innovative solutions, like Defense Edge, provide fraud detection and cardholder notification across all transaction types. Custom analytic services fulfill your data requirements across the entire customer lifecycle. Plus, integrated loyalty solutions consolidate customer rewards across products and help drive usage. Customer Communications State-of-the-art composition and statement generation capabilities as well as preformatted, auto-generated letters for cardholder correspondence related to marketing, risk management, customer service and compliance notices. Incorporate your unique brand and targeted messages utilizing flexible, advanced solutions that support document composition, targeted messaging, print and edelivery. Customer Support With solutions like ecustomer Service, IVR, 2WC, SMS, Evolve and 24-hour Call Centers, First Data provides the support you and your customers need 24/7/365. Respond to customer requests, optimize your customer service delivery, and improve customer convenience while saving time and money. Back Office With our back-office proven solutions, we can help you minimize charge-off losses due to fraudulent accounts. We also provide industryleading customer service by providing end-to-end resolution of customer inquires. Focus on your business by leveraging First Data s support of a variety of back office settlement activities.

6 First Data was named Card Processor of the Year at the 2011 Cards International Awards, for the development and extension of its TransArmor payment processing solution.

7 CREDIT PROCESSING SOLUTIONS THAT DELIVER We ve designed our Credit Processing solutions specifically around the needs of businesses like yours. 2.2% Interchange rate for a $100 credit purchase is 2.2% - more than signature or PIN-Debit. 7.7 Cardholders carry an overall average of 7.7 credit cards. 40% ecommerce transactions using credit cards accounted for 40% of online transactions in North America during The revolving feature of credit cards not only is convenient for consumers, but also delivers additional revenue to the issuers. With our flexible pricing and dynamic fee tools, First Data can help you garner more revenue from your card portfolio. Credit card usage is still pervasive. To facilitate your development of a credit card program that will appeal to your existing and prospective customers and help you gain top of wallet position, First Data has tools to develop marketing materials to assist with acquiring new cardholders and leverage your brand with existing customers as well as access to traditional and non-traditional data sources to help determine risk on new accounts. Online credit card usage continues to grow and so do consumer expections that the transactions will be secure. With our innovative fraud detection tools and transaction security features, like, TransArmor and STAR CertiFlash, First Data can help you improve your fraud mitigation strategies General Accountability Office study (GAO) on the interchange rate for an average credit card Index Credit Cards, Nilson Report as reported by the Federal Reserve, March 4, 2011 Market research firm Stats s Global Online Payments Methods 2011 study - Article in Financial News Publishing Ltd 23 May By Louise Naughton

8 HOW DO YOU GO BEYOND TO Differentiate your credit card from competitors? Provide your customers with the credit solutions they want? Grow your card portfolio profitability? Improve operational efficiency? Protect your customers from fraud? Generate revenue in a changing marketplace? FIRST DATA. CREDIT PROCESSING. FIRST DATA GOING BEYOND +40 years in the business +28 product categories, hundreds of products $1.4 trillion settled annually 53 billion transactions annually 744 million card accounts on file FOR MORE INFORMATION Contact your sales representative or visit firstdata.com 2011 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Cards issued by MetaBank