1. Credit Card Operations Bülent Şenver 1bs@bulentsenver.com

2. Pay When? bs@bulentsenver.com2 BEFORE 2009 Prepaid Card NOW 2010 Debit Card LATER 2011 Credit Card PAY

3. Credit Cards Policy and Operations bs@bulentsenver.com3

4. Core Banking and Processor Activities bs@bulentsenver.com4

5. Core Banking and Processing Activities bs@bulentsenver.com5 Core Banking ActivitiesProcessing Activities

6. Credit Card Business Model bs@bulentsenver.com6

7. Acquiring bs@bulentsenver.com7 Fraud Strategy, Risk Policy Finance, Marketing IT, Product mngt Chargeback Operations Customer Service Billing, Print & Mail Fraud Operations Data Processing Production & Origination applications

8. Issuing bs@bulentsenver.com8 Fraud Strategy, Risk Policy Finance, Marketing IT, Product mngt Chargeback Operations Customer Service Billing, Print & Mail Fraud Operations Data Processing Production & Origination applications

9. Card Payment Process bs@bulentsenver.com9

10. Merchant Service Comission bs@bulentsenver.com10

11. Merchant Processor, Issuing Processor bs@bulentsenver.com11

12. European Pay Now & Later Values bs@bulentsenver.com12

13. Pay Now & Later bs@bulentsenver.com13

14. Payment Card Penetration bs@bulentsenver.com14

15. Slow down in growth bs@bulentsenver.com15

16. POS growth bs@bulentsenver.com16

17. POS bs@bulentsenver.com17

18. Cash is King bs@bulentsenver.com18

19. Interchange Fees bs@bulentsenver.com19

20. Interchange Fees bs@bulentsenver.com20

21. Turkey bs@bulentsenver.com21

22. Turkey Pay Now bs@bulentsenver.com22

23. Turkey Pay Later bs@bulentsenver.com23

24. Turkey bs@bulentsenver.com24

25. Turkey POS bs@bulentsenver.com25

26. Turkey Cash is King bs@bulentsenver.com26

27. Turkey Why Cards not Accepted bs@bulentsenver.com27

28. Turkey bs@bulentsenver.com28

29. Turkey Acquiring Banks bs@bulentsenver.com29

30. Credit Card Operations Thank you Bülent Şenver 30bs@bulentsenver.com