CREDIT PROCESSINGFirst Data takes you beyond with Credit solutions designed to

meet the ever-evolving needs of your customers.

Enabling innovative solutions through strategic alliances

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

“

FIRST DATA’S BROAD PORTFOLIOCredit Processing is just one solution among a wide range of categories you can

access—all from one single-source provider.

Payment Acceptance

Advanced Solutions &Innovation

Mobile

NetworksConsumer

& CommercialPayments

Info & Analytics Prepaid

PRODUCT SUITES

Acquiring

eCommerce

Telecheck and Collecitons

Terminals

Security and Compliance

International Currency

Financing

Pay

men

t Acc

epta

nce

Prepaid

Information &

Analytics

Ad

vanced Solutions

Network Solutions

Issu

ing

&

& Innovation

A

ccess

Sol

utio

ns

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

“

Credit

Debit & Switching

ATM & Switching

Licensed Software

Internet Banking

Commercial

Customer Communications

Payment Instruments

Risk & Fraud Management

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.

GO BEYOND: CREDIT PROCESSING

Utilize Credit solutions to DRIVE GROWTHComprehensive 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.

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.

OUR CREDIT PROCESSING SOLUTIONS

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.

First Data’s extensive experience in the card

production and fulfillment process helps ensure

faster delivery, better discounts and unsurpassed

quality.

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.

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.

Innovative solutions, like Defense Edge, provide

fraud detection and cardholder notification across

all transaction types.

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.

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.

With 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 inquires.

BENEFITS

Capture your share of the market and profitably

grow your portfolio by differentiating yourself in

the marketplace through customized branding and

messaging.

Getting payment devices to your customers is

easier and more efficient with our data preparation,

production, and issuance service.

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.

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.

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.

Incorporate your unique brand and targeted messages

utilizing flexible, advanced solutions that support

document composition, targeted messaging, print and

eDelivery.

Respond to customer requests, optimize your customer

service delivery, and improve customer convenience

while saving time and money.

Focus on your business by leveraging First Data’s

support of a variety of back office settlement activities.

SOLUTION

Acquisition & Origination

Payment Instruments

Credit Processing

Credit Risk & Delinquency

Fraud & Information Services

Customer Communications

Customer Support

Back Office

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.

2009 General Accountability Office study (GAO) on the interchange rate for an average credit card

CREDIT PROCESSING SOLUTIONSTHAT DELIVERWe’ve designed our Credit Processing solutions specifically around

the needs of businesses like yours.

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.

7.72.2%eCommerce transactions using credit

cards accounted for 40% of online

transactions in North America during 2010.

40%

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 2011 -By Louise Naughton

Interchange rate for a $100 credit

purchase is 2.2% - more than signature

or PIN-Debit.

Cardholders carry an overall average

of 7.7 credit cards.

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 INFORMATIONContact 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™.

1996-1011