EFTA01382685.pdf

X- UA Table of Contents ( 'at cgor, Service Description Benefits Atemham Cash Working capital fmancing for businesses. • Simple one-page application with no application Advance fees • Receive funds in as fcw as three to five days • No fixed term or monthly payment • Automatic repayment through partial withholding of daily card sales Alternative PayLucky Solutions Suite of payment solutions for online gaming • Broad range of payment solutions for funds-in Markets operators and land-based casinos to enable funds and payouts collection and payouts. • Immediate player access to funds • Advanced analytics to minimize risk Global Financial Solutions Our Global Financial Solutions segment provides financial institutions, which include bank and non-bank issuers such as retailers with proprietary card portfolios, with a broad range of solutions that enable them to offer financial products and solutions to their customers. We serve over 1,200 financial institutions globally and deliver value to clients through a variety of channels. including end-to-end outsourced processing. managed services, and various software delivery models utilizing our proprietary VisionPLUS application. Our services include credit card and loan processing. commercial payments. and related supporting products. In 2014, we processed 6.5 billion transactions on our platforms In 2014, (iFS managed 694 million card accounts on file in the United States, up 4% over 2013 and 153 million card accounts on file outside the United States, up 7% over 2013. Our OFS clients include some of the world's largest financial institutions, which we serve across 90 countries. Our largest service in this segment is issuer processing. which helps banks and non-bank issuers provide credit, commercial, and retail card programs to their account holders. We also provide licensed and managed platforms for processing activities to financial institutions globally. Depending on the market. our solutions are often bundled with related offerings, such as output services for statement printing and personalization of plastic cards, settlement and back office support. outsourced billing. remittance processing. and customer support call center services. As pail of these solutions, we also provide custom programming and development to clients. The Global Financial Solutions segment generates approximately 55% of its revenues from clients in our North America region, 33% from clients in the EMEA region. 6% from clients in the APAC region. and 6% from clients in the LATAM region. Within the United States, revenues are diversified across financial institutions of all sizes and are spread across the country. Global Financial Solutions revenues and earnings are impacted by the number of consumer. commercial, and retail private label credit card accounts that are issued and actively in use. Revenue and profit growth is primarily driven by increases card usage. issuance of new cards from growth in existing clients and sales to new clients. and the related account conversions. Our OFS revenues are primarily derived from credit and retail card processing services. output. loyalty and software services provided to financial institutions. Revenues for GPS services are typically generate) on the basis of number of accounts on file. riatements/letters printed and mailed, and personalized plastics issued. 125 Intp://vanv.sec.pov/Archi vecledgar/datat883980/000119312515334479M31022dsla.himi10/142015 9:06:38 AM] CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) DB-SDNY-0082144 CONFIDENTIAL SDNY GM_00228328 EFTA01382685