OFFER CHOICE MAXIMIZE SALES MINIMIZE RISK. Best-in-class check and ACH payment solutions to grow your business.

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1 OFFER CHOICE MAXIMIZE SALES MINIMIZE RISK Best-in-class check and ACH payment solutions to grow your business.

2 2 Today, it's all about connected commerce. Consumers demand payment options that work with how they access, move and use their money. Payments are no longer about the transaction; they are about delivering a seamless digital customer experience. CHECK AND ACH PAYMENT SOLUTIONS FOR A CONNECTED WORLD MORE CHOICE Make every sale possible by giving customers payment options. MORE PROFIT Reduce processing costs by driving customers to a lowercost and secure payment type. MORE CONFIDENCE Lower fraud risk. TeleCheck evaluates each transaction using leading risk assessment technology and the largest database of consumer bank accounts in the industry. MORE INNOVATION Increase repeat business and loyalty by rewarding customers for paying with their bank account via ACH. MORE PROTECTION Guard against bad-check losses on approved checks with optional warranty service that transfers fraud responsibility to TeleCheck.

3 3 Electronic Check Acceptance Any Size Business Industry's largest database of consumer bank accounts with history on over 98% of our clients' customers = more approvals, 98 % fewer declines. 2 Take Checks with Confidence TeleCheck Solutions > Increase sales by offering payment choice > Lower costs: smaller transaction fees than with a card > Get paid faster: approved checks paid within two business days > Reduce risk from bad-check losses, with warranty service protection 1 Electronic Check Acceptance > Converts paper checks into electronic items at point-of-sale > Limits check-handling time and costs, and streamlines back-office processes Internet Check Acceptance > Close online sales immediately: transactions that are approved by 4:00 pm are funded on the next business day > Use for making online purchases, reloading prepaid cards, or making recurring payments Mobile Check Acceptance > Process checks on-the-go, using your smartphone or tablet > Eliminates trips to the bank; reduces risk of lost checks 1 Subject to meeting standard warranty requirements. 2 TeleCheck risk management analysis, 2016.

4 4 Clover Check Acceptance Small & Mid-Sized Businesses 90 % Percentage of U.S. consumers with a bank account. 3 Electronic Check Acceptance with Clover Clover Check Acceptance Solutions > Make every sale possible by accepting checks > Process checks electronically and securely from your Clover device > Receive transaction approval or decline in seconds from TeleCheck > Approved checks paid quickly; within two business days, guaranteed with warranty protection ** Doing business in-store? > Clover Check Acceptance In-Person lets you securely process checks at point-of-sale. Doing business online? > With Clover Check Acceptance Online, your customers can make online purchases and recurring payments, or even reload a prepaid card. Doing business on the go? > Clover Check Acceptance Mobile means you can use your smartphone or tablet to process checks anywhere, anytime. 3 Sources: US Census Bureau: The Nilson Report; ProQuest via Statista and 2015 FDIC ** Subject to meeting standard warranty. National Survey of Unbanked and Underbanked Households.

5 5 ConnectPay ACH Payment Solutions Large & Mid-Sized Businesses Savings, on average, seen from clients on ConnectPay transactions 30 % vs. card transactions. 4 Card on File Meet ACH on File ConnectPay Solutions ConnectPay enables customers to pay from their bank accounts via ACH while keeping their information securely on file for repeat purchases. ConnectPay can easily be added to your loyalty program so you can reward your customers for paying with this lower-cost payment type. Flexible > Easy to integrate with current payment strategy; simple APIs > Quick customer enrollment using bank login information Economical > Freedom from costly interchange fees > Guarantee solution removes burden of chargebacks ** Engaging > Complements any loyalty program > Drives additional sales with faster checkout Secure > No handling of sensitive customer data > Information stored and protected by First Data ** Subject to meeting standard warranty. 4 Based on First Data transaction data, results may vary.

6 6 SIMPLE & SECURE CUSTOMER ENROLLMENT IN SECONDS* Customer selects their bank Enters bank login information Selects the account to enroll Reviews enrollment information Enrollment complete * Instant enrollment and validation are available to over 90% of bank accounts that have online banking enabled. Some consumers may have to manually enroll for ConnectPay. Enrollment is subject to completion of the TeleCheck screening process. Manual enrollment and validation can take from 1 to 3 business days.

7 WORKS ACROSS ALL CHANNELS SO YOUR CUSTOMERS CAN PAY HOW THEY WANT, WHEN THEY WANT 7

8 89 At point-of-sale, online, via mobile app or at the pump, ConnectPay accesses your customers bank account information through a loyalty card, a key fob, an app or even a phone number, and processes the ACH payment. In-Store/POS Links customer bank account information to a physical access device (e.g., loyalty card, key fob) or by keying in a personal identifier (e.g., phone number) for faster, frictionless checkout.

9 9 ecommerce/online Allows customers to save bank account information on websites, reducing shopping cart abandonment and card-not-present fraud risk. In-App/Mobile Offers customers a variety of secure payment options, from loading funds on a prepaid account to paying for a car service.

10 10 9 At the Pump Enables customer payment via a mobile app or physical access device, to avoid pre-authorization fund holds. Recurring Allows customers to manage recurring and bill payments online or via mobile, delivering a better and seamless payment experience.

11 11 TeleCheck has adapted to the new ways consumers want to pay in today s cashless, mobile society. We do more than help you accept checks with confidence; we provide best-in-class digital solutions that allow your customers to pay how they want, where and when they want. Enabling payment choice backed by First Data industry-leading security and expertise, TeleCheck helps you stay competitive and relevant in the age of connected commerce. Barry C. McCarthy Executive Vice President Network and Security Solutions First Data Ready to transform your payments strategy? Visit firstdata.com/connectpay for more information.