Business Segment Overview

Market-leading and Diverse, robust and End-to-end program Superior

proven technology flexible solutions management customer service

Healthcare
 About TSYS

As one of the world’s 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.

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

get to know tsys asia-pacific europe japan latin america north america
www.tsys.com +86 21 68801088 +44 (0) 1904 562004 +81.3.5428.8425 +1.706.649.8153 +1.706.649.2307

© 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 trademarks
of their respective companies. (09/07)
TSYS Healthcare | Business Segment Overview

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.

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 companies
can 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 the
preferred 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. Today’s 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 a
single 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 off
when 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, and
LOCs — all with single-card access
• Integrated statements that contain information
on all activity across multiple purses
• Healthcare statements delivered via e-mail
and paper reports for automated and
manual 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 with
our 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
n e a r ly 6 0 m i l l i o n a c c o u n t s b y 2 0 1 2
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.

60,000,000
Combined Total FSA, HRA, and HSA Accounts

50,000,000

40,000,000

30,000,000

20,000,000

10,000,000

Sources: Compiled by TSYS

Healthcare from US Census and
Heathcare Tax-Advantaged Spending Accounts Each Year other published industry reports.

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
TSYS Healthcare has the tools, the knowledge and the
commitment to guide you through this marketplace.
business segment overview:

tsys healt h ca re
TSYS Healthcare provides end-to-end solutions tailored to the emerging market
SM

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

reimbursement arrangements (HRAs) and flexible spending accounts (FSAs) to lines
of 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.