N-I/A of Contents ottisir, Service Description Benefits Back-Office Comprehensive fraud research and investigation Outsourcing services, dispute resolution services, and chargeback management. End-to-end solution from the point of dispute through documentation Reduced expenses and operational complexity for financial institutions Minimized fraud losses through cardholder challenges. charge-backs and investigative efforts Support and adapt to network regulation changes Programming Full-service team that supports custom programming • Customizable products. solutions, and tools for and and development requests from financial institutions to clients Development tailor our solutions to their needs. Ndwork & Security Solutions Our Network & Security Solutions segment provides a range of network solutions and security, risk and fraud management solutions to business and financial institution clients in our OBS and GFS segments, and independently to financial institutions, businesses, governments, processors, and other clients. This segment also includes our Data and Analytics Solutions, Online and Mobile Banking Solutions, Healthcare Solutions and Government Solutions. and serves clients in the United States and outside the United States. Our largest service in this segment is our STAR Network, which enables clients to encrypt, route, and decrypt various types of financial data, process debit and ATM transactions, and provide access to demand deposit accounts. In 2014, our STAR Network routed 3.6 billion transactions in the United States, up 3% over 2013. Network Solutions We provide a range of network solutions to business and financial institutions clients. Our EFT Network Solutions manage debit card and account processing solutions and facilitate EFT commerce, such as PIN debit. PIN-less debit, and ATM transactions. Our Stored Value Network Solutions facilitate stored value commerce, such as (1) closed-loop prepaid transactions, whi