Credit Processing Brochure - First Data

1 Credit PROCESSINGF irst data takes you beyond with Credit solutions designed to meet the ever-evolving needs of your innovative solutions through strategic alliancesHOW 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.

2 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 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 FI RS T data S BROAD PORTFOLIOC redit Processing is just one solution among a wide range of categories you can access all from one single-source AcceptanceAdvanced Solutions &InnovationMobileNetworksConsumer& CommercialPaymentsInfo & AnalyticsPrepaidPRODUCT SUITESA cquiringeCommerceTelecheck and CollecitonsTerminalsSecurity and ComplianceInternational CurrencyFinancing Payment Acceptance Prepaid Information & Analytics Advanced Solutions Network Solutions Issuing & & Innovation Access SolutionsYou know.

3 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 Credit Debit & SwitchingATM & SwitchingLicensed SoftwareInternet BankingCommercialCustomer CommunicationsPayment InstrumentsRisk & Fraud ManagementThe 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.

4 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 BEYOND: Credit PROCESSINGU tilize Credit solutions to DRIVE GROWTHC omprehensive Customer Acquisition & Retention ToolsImprove Revenue GrowthSolid Reputation for Managing RiskDriving Down Operational ExpenseConvenient 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.

5 Plus we have tools that let you create promotional offers to help leverage marketing opportunities at the transaction account and transaction level pricing solutions allow you to develop pricing strategies to increase revenue and optimize your portfolio 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 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 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 Credit Processing SOLUTIONSFIRST data ADVANTAGEI ntuitive tools to develop marketing materials assist in acquiring new cardholders.

6 Plus access to traditional and non-traditional data sources help determine risk on new data s extensive experience in the card production and fulfillment process helps ensure faster delivery, better discounts and unsurpassed 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 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 solutions, like Defense Edge, provide fraud detection and cardholder notification across all transaction composition and statement generation capabilities as well as preformatted, auto-generated letters for cardholder correspondence related to marketing, risk management.

7 Customer service and compliance 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 our back-office proven solutions, we can help you minimize charge-off losses due to fraudulent accounts. We also provide industry-leading customer service by providing end-to-end resolution of customer your share of the market and profitably grow your portfolio by differentiating yourself in the marketplace through customized branding and payment devices to your customers is easier and more efficient with our data preparation, production, and issuance real-time approvals or declines to increase efficiency as well as enhance customer service.

8 Enhance strategy development and operational efficiencies by accessing online tools to generate and view program reporting, easily retrieve archived statements, letters and other documents 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 analytic services fulfill your data requirements across the entire customer lifecycle. Plus, integrated loyalty solutions consolidate customer rewards across products and help drive your unique brand and targeted messages utilizing flexible, advanced solutions that support document composition, targeted messaging, print and to customer requests, optimize your customer service delivery.

9 And improve customer convenience while saving time and on your business by leveraging First data s support of a variety of back office settlement & OriginationPayment InstrumentsCredit Processing Credit Risk & DelinquencyFraud & Information ServicesCustomer CommunicationsCustomer SupportBack OfficeFirst data was named Card Processor of the Year at the 2011 Cards International Awards, for the development and extension of its TransArmor payment Processing General Accountability Office study (GAO) on the interchange rate for an average Credit cardCREDIT Processing SOLUTIONSTHAT DELIVERWe ve designed our Credit Processing solutions specifically around the needs of businesses like revolving feature of Credit cards not only is convenient for consumers, but also delivers additional revenue to the issuers.

10 With our flexible pricing and dynamic fee tools, First data can help you garner more revenue from your card 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 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 transactions using Credit cards accounted for 40% of online transactions in North America during Credit Cards, Nilson Report as reported by the Federal Reserve, March 4.