1 Credit Card Services

2 Challenge Because of Barclay’s need for quick, but intelligent growth, they looked to SES to build out a remote center for Barclays IT, and staff the center with a capacity of up to 150 resources. SES Solution SES used an Agile delivery approach with Open Systems and Open Source libraries, which has allowed for 4-week delivery cycles and an industry best speed-to-market. SES executed a rapid build out of an initial 17,000 square foot facility to include: network, servers, workstations, space, offices and cubicles, phones, security and all other amenities. SES executed the RDP program in the continuing efforts to save overall costs. Benefits Barclaycard has seen a three-fold ability in delivery through systems stabilization activities and Agile delivery. “ I have never in my 25 years in this business had a delivery partner that has been so flexible, and that I can fully trust, as I can with SES.” - Phillip Steitz, Barclaycard US, CIO

3 Credit Card Services Challenge FleetCor needed to expand on the acceptability of their Fleet Card, and was looking to move their processing into the Visa/Master Card open association. SES Solution SES provided an assessment regarding FleetCor’s compliancy to the Payment Card Industry (PCI) Data Security Standard, and provided FleetCor a roadmap detailing the activities necessary to become compliant. SES also created an RFP for an off-the-shelf credit card processing platform, on FleetCor’s behalf, and performed and managed the vendor evaluation process. SES also assisted FleetCor in defining and implementing new revolving credit functionality that helped them to expand on their product offerings. Benefits FleetCor was able to make critical decisions regarding its cost of entry into this general payment processing area. In addition, multiple initiatives were implemented to assure security and audit ability. The expanded revolving credit capability allowed FleetCor to gain greater competitive advantage and market share due to this capability.

4 Credit Card Services Challenges Nova Merchant Services (now Elavon) is a leading provider of credit card transaction services, processing millions of transactions per day. Nova was launching many new products and services that integrate into existing systems, and developing new technology applications which created a need to improve the quality process and implement automated processes. SES Solution NOVA outsourced the Centralized Testing and QA establishment and ongoing operations to SES. SES performed an assessment of current test and QA procedures and developed a plan to implement a robust quality process. Automation tools were selected and implemented by SES. A new organizational structure and testing procedures were defined and implemented and test environments were established and certified. Automation test scripts were developed for a major new product release. In addition, SES assisted NOVA in becoming PCI compliant. Benefits Production defects were dramatically reduced and the ability to increase delivery, reduced the product time to market, and the decreased overall cost was greatly enhanced. This increased ROI and revenue potential by millions annually.

5 Credit Card Services Challenge GE Financial Services was in the process of converting their credit card portfolio from their processing environment over to FDR’s card processing system. GE realized that cost efficiencies would be realized through an expeditious conversion. SES Solution Given SES’ extensive experience in the credit card space, and with FDR’s processing environment, GE engaged SES to assist in program management activities. SES performed the role of program management for approximately one year and assisted GE in the speedy portfolio conversion which resulted in being cost effective. Benefits The increase in speed and accuracy allowed GE to realize savings due to the conversions much more quickly, and allowed FDR the ability to gain revenues, increasing the conversion value for both companies by many millions of dollars.

6 Credit Card Services Challenge The Home Depot required additional levels of data to be available for critical BI functions. They could save hundreds of thousands of dollars annually if they could access and provide data through the VISA and Mastercard networks at lower levels for their private label credit card. SES Solution SES provided Program Management and technical staff for their private label card implementation. These efforts involved both Citigroup and FDR collaboration. SES partnered with The Home Depot regarding the enhancement and testing of their credit card processing system that supported level 2 and level 3 transaction data. Benefits This allowed The Home Depot to gain better interchange rates for their credit card transactions, saving hundreds of thousands of dollars annually. In addition, this positioned marketing teams to capture critical Business Intelligence data on customer buying habits at a more detailed level.

7 Credit Card Services Challenge Diners Club North America was looking to increase their acceptance capabilities by moving from their existing closed-loop association to the Visa/MasterCard/Discover open association. SES Solution With SES’s nearly 15 years experience in the credit card processing world, Diners engaged SES to assist them in completing a conversion effort that brought the Diners Club North America product into the Citigroup Cards Technology Platform, and effectively become a MasterCard co-branded product. SES provided Diners Club North America/Citigroup more than 30 qualified card technology resources including Project Management, Application Development, Business Analysts, Architects and Testing staff members. Our team played a key role in all facets of the project including: Gap Analysis, Accounts Receivable, Statements and Letters, Risk/Fraud, Promotions and Rewards, Corporate Reporting, New Product Set-up Conversion, Testing and Customer Service. Benefits Diners Club North America has more than one-million accounts that were successfully moved to the Citigroup Platform. This made the Diners Club card more acceptable throughout the US market while maintaining the Diners Club award winning business reporting capability.