tsys healthcare business segment

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2007 Total System Services, Inc. All rights reserved worldwide. Total System Services, Inc., and TSYS are federally registered service marks of Total System Services, Inc., in the United States.Total System Services, Inc., and its affiliates own a number of service marks that are registered in the United States and in other countries . All other products and company names are trademarksof their respective companies. (09/07)

www.tsys.com

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+86 21 68801088

+44 (0) 1904 562004

+81.3.5428.8425

+1.706.649.8153

+1.706.649.2307

1600 First Avenue Columbus, GA 31901-2567 +1.706.649.2307 www.tsys.com

About TSYS

As one of the worlds largest payment-services companies, the people, service and technology of TSYS

enable hundreds of millions of consumers globally to navigate their lives with confidence and convenience

every day. TSYS (NYSE: TSS) offers unmatched flexibility, quality and control through a broad range of issuing

and acquiring payment technologies, including consumer-finance, credit, debit, prepaid and other related

services for financial institutions and retail corporations in any global region.

TSYS global headquarters are located in Columbus, Georgia, with other local offices spread across the

Americas, EMEA and Asia-Pacific. TSYS serves more than 300 clients in 75 countries, including relationships

with 11 of the top 20 international banks.

The people of TSYS are respected around the world for the spirit of true partnership they invest in every

relationship and business decision. By the passion they bring to the world of payments, the people

of TSYS are known as good people to do business with. Get to know us at tsys.com, or contact us at

+1.706.649.2307 to learn more about how we can serve as the trusted agent in your payment strategies.

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As the healthcare industry shifts and consumers take on more payment responsibility,

they are also embracing the opportunities that have come with legal and regulatory changes.

The same regulations that have opened up new avenues for consumers have also created

an exciting market for financial institutions, insurers and TPAs.

TSYS Healthcare | Business Segment Overview

To answer the needs of the emerging world of healthcare processing, TSYS

Healthcare was created in 2007 as a division to develop and market payment

solutions that capitalize on the opportunities available for financial institutions,

insurers, participants and TPAs. TSYS Healthcare cards offer participants the

security they expect along with the ability to conveniently access funds from

multiple accounts. Likewise, insurers, financial institutions and TPAs benefit

from reduced paperwork, simplified processes and cost savings. We are the

largest processor of transaction-enabled healthcare cards in the world, and we

are eager to help you grow. We are excited to bring this dynamic marketplace

the same venerable innovation, world-class customer service and industry

expertise TSYS has offered to the other segments of the payments industry.

The rising cost of healthcare coupled with

consumers desires to be more involved in their

benefits portfolios has given birth to a new era

in healthcare management, where companiescan curtail their costs and participants can wield

more power.

The industry that has resulted from these

trends has gained additional momentum as

government regulations have provided even

more traction, allowing consumers to utilize tax-

free dollars to pay for medical services through

a variety of tax-advantaged (or pre-taxed)

accounts, such as HSAs, HRAs and FSAs.

And as these accounts become more popular,

credit and debit cards are fast becoming thepreferred choice for payments. Participants

are increasingly using plastic to manage their

co-payments, deductibles and medications for

one or more of their accounts, as well as the

additional support from lines of credit (LOCs).

To successfully function, healthcare cards must

perform as more than just benefit cards. They

are quickly becoming financial products in their

own right. Todays fast-paced, evolving market

mandates that healthcare cards access multiple

accounts and function as debit, prepaid and

credit cards

all with a single piece of plastic.

That functionality and flexibility is exactly what you

can offer your clients with a TSYS Healthcare card.

Participants enjoy the security, ease and

convenience of accessing their funds and

monitoring their activity from multiple accounts

FSAs, HSAs, HRAs and LOCs

with asingle card. Likewise, financial institutions,

insurers and TPAs benefit from significantly

reduced paperwork, simplified processes and

cost savings.

When you reward your participants with a TSYS

Healthcare card, they enjoy the benefits of true

spending power without hassle. Accepted at

the millions of locations where MasterCard and

Visa are welcomed, a TSYS Healthcare card

removes the nuisance of having to carry multiple

cards, giving your clients peace of mind when

they most need it. Watch your portfolio take offwhen you raise the bar and match the financial

advantage of healthcare accounts with this level

of usability.

Our menu enables you to offer the most

comprehensive suite of services today and

consider the possibilities for tomorrow.

We are pleased to offer:

Stacked card with multiple purses, including

HSAs, HRAs, FSAs (health, limited-purpose,

dependent care), parking and transit, andLOCs

all with single-card access

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Integrated statements that contain information

on all activity across multiple purses

Healthcare statements delivered via e-mail

and paper reports for automated andmanual claims

Healthcare card administration and customer

support portals with administration and

reporting tools

Online registration for HSAs and automated

substantiation

Superior Cardholder Support, through:

Integrated Voice Response (IVR)

Live Agent Support

Automated Letter Generation

Web

Additionally, through our strategic partnerships,you can add to your service offerings under a

white-label arrangement and retain all of the

benefits of account integration. You can add an

HSA, HRA or FSA to your existing product suite

with the flexibility to purchase only the level of

support you need administration, enrollment

and customer support.

Benefits

Our healthcare solutions provide far-reaching

benefits as this market continues to grow and

evolve. We believe our options, together withour renowned technology and customer service,

offer value that is unmatched in the marketplace.

You get exceptional value with:

Proven Technology in an unparalleled

transaction-processing platform designed

to provide true competitive advantages Robust Solutions with a full suite of options

designed specifically for healthcare card

programs

True Flexibility with turnkey solutions, complete

with modular product and service features

Industry Expertise, which means fast

and effective implementation, including

program approval, production, training and

management

Superior Customer Service and a skilled

team of specialists to support every aspect

of your program

This value translates to a winning model for

everyone, from participants to all types of

administrators.

Benefits for Participants

Integrated healthcare statements

Immediate access to funds in multiple accounts

with no reimbursement necessary

Reduced out-of-pocket expenses, reduced

paperwork and fewer required receipts

Increased employee participation and

contribution to flexible benefits

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Benefits for TPAs and Payers

True real-time stacked purse implementation, including LOCs and HSAs

Real-time authorization at the POS

Reduced substantiation paperwork and follow-up for insurers and TPAs Web-based customer support

Web-based account access by insurers and TPAs

Turnkey programs available for quick and easy implementation

System-to-system integration (via an application program interface, or API)

availability for a seamless offering

Benefits for Financial Institutions

HSA cards for convenient access to account funds

Web-based account access for employees

Web-based customer support

Web-based account access and funding for employers

Support for employees before, during and after enrollment

Web-based account management gives consumers instant access to transaction

details and account balances

Real-Time Processing Benefits all Stakeholders

TSYS offers numerous real-time system configuration and processing controls, such as:

Stacked-card purse prioritization

Pharmacy Benefit Manager (PBM) substantiation, primarily batch, but optionally in

real-time at POS

Inventory Information Approval System (IIAS) substantiation

Co-pay substantiation

Recurring expense substantiation

Manual claim-funding authorization

Merchant Category Code override Authorization accept or decline

Card blocking

Fee implementation

Transaction history

0

10,000,000

20,000,000

30,000,000

40,000,000

50,000,000

60,000,000

Healthcare tax-advantaged accounts include Flexible Spending Arrangements (FSA), Health Reimbursement

Arrangements (HRA), and Health Savings Accounts (HSA). These accounts are expected to grow with the adoption

of Consumer Directed Healthcare. Total accounts are projected to reach nearly 60 million accounts by 2012.

CombinedTotalFSA,

HRA,andHSAAccounts

Sources: Compiled by TSYSHealthcare from US Census andother published industry reports.

Heathcare Tax-Advantaged Spending Accounts Each Year

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TSYS Healthcare has the tools, the knowledge and the

commitment to guide you through this marketplace.

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:

TSYS HealthcareSM provides end-to-end solutions tailored to the emerging market

of consumer-directed healthcare. From health savings accounts (HSAs), health

reimbursement arrangements (HRAs) and flexible spending accounts (FSAs) to linesof credit (LOCs), TSYS Healthcare has the tools, the knowledge and the commitment

to guide you through this marketplace. We provide financial institutions, insurers,

participants and third-party administrators (TPAs) with the expertise and support

they need to successfully navigate all aspects of these accounts.