Barry Sloane, chairman and CEO of Newtek, said: "We are pleased with this new relationship with Wells Fargo Bank and our expanded relationship with First Data Corporation as they are clearly the gold standard in the electronic payment processing business.

"This arrangement will be beneficial to Newtek and its customers since it will make it possible for us to bring the very best of processing services to the many small- and medium-sized business customers we work with and who rely on us for top quality service in all areas."

http://www.datamonitor.com

Republication or redistribution, including by framing or similar means,
is expressly prohibited without prior written consent. Datamonitor shall 
not be liable for errors or delays in the content, or for any actions 
taken in reliance thereon

Universal Payment Processing of Wisconsin, a wholly-owned subsidiary of Newtek, has grown from a start-up in 2002 to a major participant in the payment processing business anticipated to handle over $3 billion in payment transactions in 2009. The growth and profitability of this business has led Newtek and UPS to add the significant additional capabilities offered by Wells Fargo Bank and First Data Corp.. UPS is now sponsored in credit card acceptance by Wells Fargo Bank in addition to NCMIC Finance Corp.; UPS will now be able to place its small- and medium-sized business customers on the largest payment processing platform in the country in addition to the three other processors it uses. This diversification of sponsorship and processing platforms will enable UPS to continue its dramatic growth and ensure it of the support necessary in the future.

Barry Sloane, chairman and chief executive officer of Newtek, said: "We are pleased with this new relationship with Wells Fargo Bank, N.A. and our expanded relationship with First Data Corp. as they are clearly the gold standard in the electronic payment processing business. This arrangement will be beneficial to Newtek and its customers since it will make it possible for us to bring the very best of processing services to the many small- and medium-sized business customers we work with and who rely on us for top quality service in all areas."

FinancialWire(tm) is a fully independent, proprietary news wire service. FinancialWire(tm) is not a press release service, and receives no compensation for its news, opinions or distributions. Further disclosure is at the FinancialWire(tm) web site (http://www.financialwire.net/disclosures.php). Contact FinancialWire(tm) directly via inquiries@financialwire.net.

Free annual reports for companies mentioned in the news are available through the Free Annual Reports Service (http://investrend.ar.wilink.com/?level=279).

http://www.financialwire.net

Barry Sloane, Chairman and Chief Executive Officer of Newtek, said: "We are pleased with this new relationship with Wells Fargo Bank, N.A. and our expanded relationship with First Data Corporation as they are clearly the gold standard in the electronic payment processing business. This arrangement will be beneficial to Newtek and its customers since it will make it possible for us to bring the very best of processing services to the many small- and medium-sized business customers we work with and who rely on us for top quality service in all areas."

About Newtek Business Services, Inc.

Newtek Business Services, Inc. is a direct distributor of a wide range of business services and financial products to the small- and medium-sized business market under the Newtek(TM) brand. Since 1999, Newtek has helped small- and medium-sized business owners realize their potential by providing them with the essential tools needed to manage and grow their businesses and to compete effectively in today's marketplace. Newtek provides one or more of its services to over 100,000 business accounts and has positioned the Newtek(TM) brand as a one-stop-shop provider of such business services. According to the U.S. Small Business Administration, there are over 29.6 million small businesses in the United States, which in total represent 99.7% of all employer firms.

Newtek's business service lines include:

 * Electronic Payment Processing: Electronic solutions to accept
   non-cash payments, including credit and debit cards, check
   conversion, remote deposit capture, ACH processing, and
   electronic gift and loyalty card programs.
 * Web Hosting: Full-service web host which offers shared and
   dedicated web hosting and related services including domain
   registration and online shopping cart tools.
 * Business Lending: Broad array of lending products including SBA
   7(a), conventional commercial real estate and SBA 504 loans,
   business lines of credit, and business credit cards.
 * Insurance Services: Commercial and personal lines of insurance,
   including health and employee benefits in all 50 states, working
   with over 40 insurance carriers.
 * Web Services: Customized web design and development services.
 * Data Backup, Storage and Retrieval: Fast, secure, off-site data
   backup, storage and retrieval designed to meet the specific
   regulatory and compliance needs of any business.
 * Accounts Receivable Financing: Receivable purchasing and
   financing services.
 * Payroll: Complete payroll management and processing services.

Note Regarding Forward-Looking Statements

Statements in this press release including statements regarding Newtek's beliefs, expectations, intentions or strategies for the future, may be "forward-looking statements" under the Private Securities Litigation Reform Act of 1995. All forward-looking statements involve a number of risks and uncertainties that could cause actual results to differ materially from the plans, intentions and expectations reflected in or suggested by the forward-looking statements. Such risks and uncertainties include, among others, intensified competition, operating problems and their impact on revenues and profit margins, anticipated future business strategies and financial performance, anticipated future number of customers, business prospects, legislative developments and similar matters. Risk factors, cautionary statements and other conditions which could cause Newtek's actual results to differ from management's current expectations are contained in Newtek's filings with the Securities and Exchange Commission and available through http://www.sec.gov.

For more information, please visit www.newtekbusinessservices.com.

This news release was distributed by GlobeNewswire, www.globenewswire.com

SOURCE: Newtek Business Services Inc.

CONTACT:  Newtek Business Services, Inc.
Barry Sloane, Chairman and CEO
212-356-9500
bsloane@newtekbusinessservices.com

First Data Corp. today reported its financial results for the third quarter ended Sept. 30, 2009. Consolidated revenue was $2.4 billion, up 13%. Consolidated revenue growth was primarily driven by the new Bank of America Merchant Services alliance. Bank of America Merchant Services is First Data's largest merchant acquiring alliance and was established in June 2009 after the extension of similar alliances with Wells Fargo and PNC in recent quarters. Together, these alliances further extend First Data's leadership in merchant acquiring. As a result of the unprecedented growth and change in ownership structure of its alliance distribution network, First Data has chosen to provide additional reporting to assist in comparing 2009 results to prior periods(1).

Adjusted Revenue(2), which excludes reimbursables, declined 9% for the quarter. The effects of the weak economy and constrained credit continue to weigh on the company's results.

For the quarter, adjusted earnings before interest, taxes, depreciation and amortization (EBITDA)(3) were $532 million, down 23% compared to the third quarter of 2008, which was the strongest quarter in the last two years for the company. The adverse impact of the stronger U.S. dollar, lower royalty revenue and higher merchant credit losses also unfavorably affected Adjusted EBITDA comparisons, and excluding these items Adjusted EBITDA was down 14%.The net loss attributable to First Data was $289 million, which includes after-tax interest expense of $283 million.

"Despite a tough economy, we are taking advantage of unique opportunities in the marketplace," said Michael Capellas, chairman and CEO. "We are focused on our future as we continue to invest in new product development, reduce costs and expand our distribution channels."

Segment Results

Retail and Alliance Services

Retail and Alliance Services reported third-quarter Segment Revenue with reimbursables of $1.3 billion, up 4%. Segment Revenue which excludes reimbursables was $797 million, down 4%. Favorable drivers of Segment Revenue included 15% transaction growth, the addition of 17 new independent sales organizations, 11 new referral partners and 2 new revenue share agreements. This growth was more than offset by weakness in the economy reflected in declining average tickets, continued transaction mix shifts and lower interest income on deposits. Segment EBITDA was $304 million, down 15%, and margin was 38.2%. Segment EBITDA declined due to lower revenue, an incremental provision of $11 million related to higher credit losses from merchant failures and short-term dilution related to Bank of America Merchant Services.

Financial Services

For the quarter, Financial Services reported Segment Revenue with reimbursables of $488 million, down 13%. Segment Revenue which excludes reimbursables was $339 million, down 11%. Financial Services renewed 131 contracts in the quarter including a significant contract with GE. Growth from new business was primarily offset by the previously disclosed loss of a large bank client as well as price compression on certain renewals. The weak economy caused a reduction in active retail card accounts and active credit card accounts as well as lower statement volumes. Segment EBITDA was $148 million, down 24%, and margin was 43.7%. Segment EBITDA declined due to lower revenue and an increase in technology costs partially related to compliance with new regulations.

International

For the quarter, International generated Segment Revenue of $415 million, down 10%. Segment Revenue on a constant currency basis was down 1%. International transactions grew 7%. Segment EBITDA was $107 million, down 24%, and margin was 25.7%. On a constant currency basis, Segment EBITDA was $122 million, down 14% and margin was 26.7%. Segment EBITDA declined due to lower revenue and an increase in merchant credit losses.

Significant Events

Senior Management Additions and Two New Board Members

First Data made the following appointments during the third quarter: Pat Shannon, 46, as chief financial officer; Kevin J. Schultz, 51, as president of its Financial Services business segment; and John Elkins, 57, as chief marketing officer. In addition, Henry R. Kravis and Joe W. Forehand were appointed as new members to First Data's board of directors.

Launch of First Data(R) Secure Transaction Management(SM)

First Data and RSA, the Security Division of EMC (NYSE: EMC), announced a new service called First Data(R) Secure Transaction Management(SM), which is engineered to enable merchants to secure payment card data and remove it from their environment while allowing access when needed. The new First Data Secure Transaction Management service, offered exclusively by First Data and powered by the RSA SafeProxy(TM) architecture, is designed to dramatically reduce the cost and complexity of complying with the Payment Card Industry Data Security Standard (PCI DSS).

GE Renewal

First Data renewed a significant agreement with GE. The multi-year agreement includes the printing and e-delivery of statements and production of plastic cards for their retail card business.

Barclays Global Issuing

First Data's International segment signed a long-term global agreement with Barclays to provide technology for card issuing.

Non-GAAP Measures

In certain circumstances, results have been presented that are non-GAAP measures and should be viewed in addition to, and not in lieu of, the company's reported results. Reconciliations to comparable GAAP (generally accepted accounting principles) measures are available in the accompanying schedules and in the "Investor Relations" section of the company's web site at www.firstdata.com.

The company will host a conference call and webcast on Friday, Nov. 13, at 8 a.m. EST to review third quarter 2009 financial results. Michael Capellas, chairman and CEO of First Data, will lead the call. Also participating will be Pat Shannon, chief financial officer, and Silvio Tavares, senior vice president, investor relations.

To listen to the call, dial 877-723-9523 (U.S.) or +1-719-325-4901 (outside the U.S.) 10 minutes prior to the start of the call. The call will also be webcast on the "Investor Relations" section of the First Data Web site, http://ir.firstdatacorp.com/events.cfm. Please click on the webcast link at least 15 minutes prior to the call. A slide presentation to accompany the call will be included in the webcast and also will be available under the "Investor Relations" section of the Web site.

A replay of the call will be available through Nov. 20, 2009, at 888-203-1112 (U.S.) or +1-719-457-0820 (outside the U.S.), replay pass code 5549623, and via webcast at http://ir.firstdatacorp.com/events.cfm.

About First Data

First Data powers the global economy by making it easy, fast and secure for people and businesses to buy goods and services using virtually any form of electronic payment. Whether the choice of payment is a gift card, a credit or debit card or a check, First Data securely processes the transaction and harnesses the power of the data to deliver intelligence and insight for millions of merchant locations and thousands of card issuers in 36 countries. For more information, visit www.firstdata.com.

(1) For additional details please refer to the Current Report on Form 8-K that the company filed with the SEC on November 10, 2009.

(2) Adjusted Revenue represents the sum of Segment Revenue and All Other and Corporate revenue as adjusted to exclude revenue related to the IPS segment due to the wind down of the official check and money order businesses and to reflect elimination of intersegment revenues.

(3 )Adjusted EBITDA represents the sum of Segment EBITDA and All Other and Corporate EBITDA. Segment EBITDA represents segment earnings before net interest expense, income taxes, depreciation and amortization further adjusted for certain items. For additional details please refer to Current Report on Form 8-K that the company filed with the SEC on November 10, 2009.

FIRST DATA CORPORATION
CONSOLIDATED STATEMENTS OF OPERATIONS
(Unaudited)
(in millions)
                                                            Three months ended September 30,
                                                                 2009               2008          Change
Revenues:
Transaction and processing service fees (a):
Merchant related services                                   $    868.2         $    701.3         24%
Check services                                                   90.5               94.4          -4%
Card services                                                    451.9              525.3         -14%
Other services                                                   129.2              140.9         -8%
Investment income, net                                           (4.5    )          (24.5   )     NM
Product sales and other                                          188.4              215.6         -13%
Reimbursable debit network fees, postage and other               719.5              511.0         41%
                                                                 2,443.2            2,164.0       13%
Expenses:
Cost of services (exclusive of items shown below)                757.1              722.3         5%
Cost of products sold                                            80.9               77.1          5%
Selling, general and administrative                              377.5              345.2         9%
Reimbursable debit network fees, postage and other               719.5              511.0         41%
Depreciation and amortization                                    372.0              338.9         10%
Other operating expenses:
Restructuring, net                                               10.9               16.0          NM
Impairments                                                      7.7                29.6          NM
                                                                 2,325.6            2,040.1       14%
Operating profit                                                 117.6              123.9         -5%
Interest income                                                  3.2                5.9           -46%
Interest expense                                                 (447.5  )          (497.7  )     -10%
Other income (expense) (b)                                       (84.5   )          70.5          NM
                                                                 (528.8  )          (421.3  )     26%
Loss before income taxes and equity earnings in affiliates       (411.2  )          (297.4  )     38%
Income tax benefit                                               (131.4  )          (145.5  )     -10%
Equity earnings in affiliates (a)                                26.8               35.0          -23%
Net loss                                                         (253.0  )          (116.9  )     116%
Less: Net income attributable to noncontrolling interests        35.9               47.5          -24%
Net loss attributable to First Data Corporation             $    (288.9  )     $    (164.4  )     76%
(See accompanying notes)

FIRST DATA CORPORATION
CONSOLIDATED STATEMENTS OF OPERATIONS
(Unaudited)
(in millions)
                                                            Nine months ended September 30,
                                                                 2009                2008           Change
Revenues:
Transaction and processing service fees (a):
Merchant related services                                   $    2,199.3        $    2,037.1        8%
Check services                                                   261.6               292.1          -10%
Card services                                                    1,376.5             1,539.6        -11%
Other services                                                   380.7               416.5          -9%
Investment income, net                                           0.3                 67.3           NM
Product sales and other                                          568.6               641.6          -11%
Reimbursable debit network fees, postage and other               1,941.0             1,500.6        29%
                                                                 6,728.0             6,494.8        4%
Expenses:
Cost of services (exclusive of items shown below)                2,144.5             2,152.9        0%
Cost of products sold                                            224.6               231.4          -3%
Selling, general and administrative                              1,035.2             1,040.3        0%
Reimbursable debit network fees, postage and other               1,941.0             1,500.6        29%
Depreciation and amortization                                    1,067.1             996.8          7%
Other operating expenses:
Restructuring, net                                               44.4                15.9           NM
Impairments                                                      7.7                 29.6           NM
Litigation and regulatory settlements                            (2.7     )          -              NM
                                                                 6,461.8             5,967.5        8%
Operating profit                                                 266.2               527.3          -50%
Interest income                                                  9.6                 21.5           -55%
Interest expense                                                 (1,345.3 )          (1,466.5 )     -8%
Other income (expense) (b)                                       (64.8    )          33.7           NM
                                                                 (1,400.5 )          (1,411.3 )     -1%
Loss before income taxes and equity earnings in affiliates       (1,134.3 )          (884.0   )     28%
Income tax benefit                                               (389.0   )          (345.4   )     13%
Equity earnings in affiliates (a)                                70.8                108.7          -35%
Net loss                                                         (674.5   )          (429.9   )     57%
Less: Net income attributable to noncontrolling interests        41.6                116.8          -64%
Net loss attributable to First Data Corporation             $    (716.1   )     $    (546.7   )     31%
(See accompanying notes)

FIRST DATA CORPORATION
SUMMARY SEGMENT DATA
(Unaudited)
(in millions)
                                                                 Three months ended September 30,
                                                                      2009               2008          Change
Revenues:
Retail and Alliance Services                                     $    796.7         $    833.0         -4%
Financial Services (c)                                                339.3              380.3         -11%
International (c)                                                     414.6              462.3         -10%
Integrated Payment Systems                                            (5.4    )          (32.9   )     -84%
Subtotal segment revenues                                             1,545.2            1,642.7       -6%
All Other and Corporate                                               58.6               86.4          -32%
Adjustments to reconcile to Adjusted revenue:
Official check and money order revenues (d)                           5.4                32.9          -84%
Eliminations (e)                                                      (13.9   )          (16.0   )     NM
Adjusted revenue                                                      1,595.3            1,746.0       -9%
Adjustments to reconcile to Consolidated revenues: (f)
Divested businesses (c)                                               10.7               36.1          NM
Adjustments for non-wholly owned entities (g)                         53.1               (117.5  )     NM
Official check and money order revenues                               (5.4    )          (32.9   )     -84%
ISO commission expense                                                70.0               21.3          NM
Reimbursable debit network fees, postage and other                    719.5              511.0         41%
Consolidated revenues                                            $    2,443.2       $    2,164.0       13%
Segment EBITDA:
Retail and Alliance Services                                     $    304.4         $    357.8         -15%
Financial Services (c)                                                148.2              194.6         -24%
International (c)                                                     106.5              140.9         -24%
Integrated Payment Systems                                            -                  -             NM
Subtotal segment adjusted EBITDA                                      559.1              693.3         -19%
All Other and Corporate                                               (27.1   )          (4.8    )     NM
Adjusted EBITDA                                                       532.0              688.5         -23%
Adjustments to reconcile to Loss before income taxes and equity
earnings in affiliates: (f)
Divested businesses (c)                                               8.1                16.9          NM
Adjustments for non-wholly owned entities (g)                         16.7               (58.2   )     NM
Depreciation and amortization                                         (372.0  )          (338.9  )     10%
Interest expense                                                      (447.5  )          (497.7  )     -10%
Interest income                                                       3.2                5.9           -46%
Other items (h)                                                       (103.1  )          24.9          NM
Stock based compensation                                              (4.7    )          (8.9    )     -47%
Official check and money order EBITDA                                 (10.5   )          (42.2   )     -75%
Cost of data center, technology and savings initiatives               (26.3   )          (78.0   )     NM
KKR merger related items                                              (7.1    )          (9.7    )     NM
Eliminations                                                          -                  -             NM
Loss before income taxes and equity earnings in affiliates       $    (411.2  )     $    (297.4  )     38%
Segment depreciation and
amortization:
Retail and Alliance Services                                     $    189.4         $    226.1         -16%
Financial Services (c)                                                80.5               77.1          4%
International (c)                                                     72.1               67.9          6%
Integrated Payment Systems                                            0.1                0.1           0%
Subtotal segment depreciation and amortization                        342.1              371.2         -8%
All Other and Corporate                                               20.3               25.2          -19%
                                                                      362.4              396.4         -9%
Adjustments to reconcile to consolidated depreciation and
amortization:
Divested businesses (c)                                 1.9       3.9      NM
Adjustments for non-wholly owned entities (g)           26.3      (8.1  )  NM
Amortization of initial payments for new contracts      7.7       3.5      120%
Total consolidated depreciation and amortization (a)  $ 398.3   $ 395.7    1%
(See accompanying notes)

FIRST DATA CORPORATION
SUMMARY SEGMENT DATA
(Unaudited)
(in millions)
                                                                 Nine months ended September 30,
                                                                      2009                2008           Change
Revenues:
Retail and Alliance Services                                     $    2,243.3        $    2,457.4        -9%
Financial Services (c)                                                1,089.9             1,138.3        -4%
International (c)                                                     1,145.6             1,316.5        -13%
Integrated Payment Systems                                            (4.8     )          38.8           NM
Subtotal segment revenues                                             4,474.0             4,951.0        -10%
All Other and Corporate                                               186.6               266.8          -30%
Adjustments to reconcile to Adjusted revenue:
Official check and money order revenues (d)                           4.8                 (38.8    )     NM
Eliminations (e)                                                      (42.4    )          (47.2    )     NM
Adjusted revenue                                                      4,623.0             5,131.8        -10%
Adjustments to reconcile to Consolidated revenues: (f)
Divested businesses (c)                                               43.1                117.3          NM
Adjustments for non-wholly owned entities (g)                         (57.3    )          (354.6   )     NM
Official check and money order revenues                               (4.8     )          38.8           NM
ISO commission expense                                                183.0               60.9           NM
Reimbursable debit network fees, postage and other                    1,941.0             1,500.6        29%
Consolidated revenues                                            $    6,728.0        $    6,494.8        4%
Segment EBITDA:
Retail and Alliance Services                                     $    895.2          $    1,041.5        -14%
Financial Services (c)                                                497.3               557.1          -11%
International (c)                                                     293.0               339.5          -14%
Integrated Payment Systems                                            -                   -              NM
Subtotal segment adjusted EBITDA                                      1,685.5             1,938.1        -13%
All Other and Corporate                                               (84.1    )          (13.3    )     NM
Adjusted EBITDA                                                       1,601.4             1,924.8        -17%
Adjustments to reconcile to Loss before income taxes and equity
earnings in affiliates: (f)
Divested businesses (c)                                               22.1                50.9           NM
Adjustments for non-wholly owned entities (g)                         (57.6    )          (199.3   )     NM
Depreciation and amortization                                         (1,067.1 )          (996.8   )     7%
Interest expense                                                      (1,345.3 )          (1,466.5 )     -8%
Interest income                                                       9.6                 21.5           -55%
Other items (h)                                                       (114.2   )          (11.8    )     NM
Stock based compensation                                              (13.8    )          (19.5    )     -29%
Official check and money order EBITDA                                 (21.1    )          8.2            NM
Cost of data center, technology and savings initiatives               (127.5   )          (162.3   )     NM
KKR merger related items                                              (20.6    )          (33.2    )     NM
Eliminations                                                          (0.2     )          -              NM
Loss before income taxes and equity earnings in affiliates       $    (1,134.3 )     $    (884.0   )     28%
Segment depreciation and
amortization:
Retail and Alliance Services                                     $    562.7          $    677.9          -17%
Financial Services (c)                                                269.4               238.8          13%
International (c)                                                     202.6               191.5          6%
Integrated Payment Systems                                            0.4                 0.2            100%
Subtotal segment depreciation and amortization                        1,035.1             1,108.4        -7%
All Other and Corporate                                               53.5                55.8           -4%
                                                                      1,088.6             1,164.2        -6%
Adjustments to reconcile to consolidated depreciation and
amortization:
Divested businesses (c)                                 7.0         10.5       NM
Adjustments for non-wholly owned entities (g)           25.7        (24.0   )  NM
Amortization of initial payments for new contracts      18.1        6.9        162%
Total consolidated depreciation and amortization (a)  $ 1,139.4   $ 1,157.6    -2%
(See accompanying notes)

FIRST DATA CORPORATION
NOTES TO FINANCIAL SCHEDULES
(Unaudited)
           Effective January 1, 2009, the Company re-aligned the business and
           began making strategic and operating decisions with regards to
           assessing performance and allocating resources based on a new
           segment structure. Results for 2008 have been adjusted to reflect
           the new structure. Other amounts in 2008 have been adjusted to
           conform to current year presentation, the largest of which was the
           reclassification of certain expenses from "Cost of services" to
           "Selling, general and administrative".
           The Company adopted new accounting guidance effective January 1,
           2009 which requires that earnings attributed to noncontrolling
           interests be reported as part of consolidated earnings and not as a
           separate component of income or expense. The Company's Consolidated
           Statement of Operations for 2008 has been revised to conform to the
           presentation requirements of the new accounting guidance.
           Beginning in the third quarter 2009 the Company changed the
           financial reports provided to its Chief Executive Officer to
           assess the performance of the Company's business segments. The
           segments have not changed but the presentation of the results has
           changed. Results in prior periods have been adjusted to conform to
           this presentation. Segment revenue for all segments now excludes
           reimbursable debit network fees, postage and other revenue and the
           Retail and Alliance Services segment revenues are now presented on
           a proportionate consolidation basis with commission payments to
           certain ISO's now reflected as contra revenue. Segment earnings
           now exclude depreciation and amortization expenses, stock based
           compensation expense, Official check and money order businesses'
           EBITDA, cost of data center technology and savings initiatives and
           KKR merger related items to arrive at segment EBITDA. The Retail
           and Alliance Services segment EBITDA is now presented on a
           proportionate consolidation basis. Refer to the Company's
           Quarterly Report on Form 10-Q filed with the Securities Exchange
           Commission for a more detailed description to the adjustments
           noted above.
(a)        Includes amortization of customer contracts which is recorded as a
           contra-revenue within "Transaction and processing service fees" of
           $7.7 million and $18.1 million for the three and nine months ended
           September 30, 2009, respectively, and $3.5 million and $6.9 million
           for the three and nine months ended September 30, 2008,
           respectively, and amortization related to equity method investments
           described in note (d) below which is netted within the "Equity
           earnings in affiliates" line of $18.6 million and $54.2 million for
           the three and nine months ended September 30, 2009, respectively,
           and $53.3 million and $153.9 million for the three and nine months
           ended September 30, 2008, respectively.
(b)        Other income (expense) includes investment gains and (losses),
           derivative financial instruments gains and (losses), divestitures,
           net, non-operating foreign currency gains and (losses) and other.
(c)        The Company sold its debit and credit card issuing and acquiring
           processing business in Austria ("Austria") and its ownership
           interest in Active Business Services, Ltd ("Active"), both
           reported within the International segment, in August 2009 and July
           2008, respectively, and its ownership interest in Peace Software
           ("Peace"), reported within the Financial Services segment, in
           October 2008. The International and Financial Services segment
           performance measures were adjusted for 2009 and 2008 to exclude
           the results of Austria, Active and Peace. Retail and Alliance
           Services segment performance measures have been adjusted for 2008
           to reflect the sale of 12.5% of the Company's ownership interest
           in the Wells Fargo Merchant Services alliance that occurred on
           December 31, 2008.
(d)        Represents an adjustment to exclude the official check and money
           order businesses from adjusted revenue.
(e)        Represents elimination of intersegment revenue.
(f)        Reconciles the total segment and All Other and Corporate adjusted
           revenue to consolidated revenue or total segment and All Other and
           Corporate EBITDA to Loss before income taxes and equity earnings in
           affiliates as reported on the Consolidated Statements of Operations.
(g)        Represent the reversal of proportionate consolidation adjustments
           made to the Retail and Alliance Services segment revenue or
           segment EBITDA and equity earnings included in the International
           segment and All Other and Corporate revenue or segment EBITDA.
           Also includes the add back of net income attributable to
           noncontrolling interests excluded from International segment
           EBITDA.
(h)        Includes "Other operating expenses" and "Other income (expense)" as
           presented on the Consolidated Statements of Operations.

FIRST DATA CORPORATION
RECONCILIATION OF NON-GAAP MEASURES
(Unaudited)
($ in millions)
Management believes the following non-GAAP measures provide
meaningful supplemental information to assist investors in
understanding our financial results and to better analyze trends in
our underlying business. These non-GAAP financial measures should
not be considered in isolation or as a substitute for the most
comparable GAAP financial measures. The non-GAAP financial measures
reflect an additional way of viewing aspects of our operations that,
when viewed with our GAAP results and the reconciliation to the
corresponding GAAP financial measures, provide a more complete
understanding of our business. Investors are strongly encouraged to
review our financial statements and publicly-filed reports in their
entirety and not to rely on any single financial measure. A
reconciliation of the non-GAAP measures to the most directly
comparable GAAP financial measures is included below.
For the purpose of analyzing the company's liquidity an "Adjusted
EBITDA" metric is used. "Adjusted EBITDA" is different than
"Consolidated EBITDA" (or "Debt Covenant EBITDA") as defined in the
Credit Agreement dated September 24, 2007 ("Senior Secured Credit
Facilities") among the company, the lenders or other entities that
are a party thereto from time to time and Credit Suisse, Cayman
Islands Branch, as Administrative Agent and Collateral Agent. The
differences primarily relate to adjustments for cost savings
projected to be achieved within twelve months on an annualized
basis, noncontrolling interests, losses on equity method
investments, certain non capitalized acquisition expenses, and
depreciation, amortization and income taxes within the company's
equity method investments.
Non-GAAP measures for the company's domestic segments include
Segment Revenue further adjusted for revenue earned from
reimbursements of pass-through costs such as debit network fees.
Non-GAAP measures for the company's International segment include
Segment Revenue further adjusted for revenue earned from
reimbursements of pass-through costs such as debit network fees and
for foreign exchange impact and Segment EBITDA further adjusted to
exclude foreign exchange impact.
Management believes that these non-GAAP measures provide insight
into the company's core performance.

                                                                         Three Months Ended September 30,
Consolidated                                                                  2009               2008          Change
Net loss attributable to First Data Corporation                          $    (288.9  )     $    (164.4  )     76%
Interest expense, net (1)                                                     444.3              491.8
Income tax benefit                                                            (131.4  )          (145.5  )
Depreciation and amortization (2)                                             390.6              392.2
Stock based compensation (3)                                                  4.7                8.9
Other items (4)                                                               103.1              (24.9   )
Official check and money order EBITDA (5)                                     10.5               42.2
Cost of data center, technology and savings initiatives (6)                   26.3               78.0
KKR merger related items (7)                                                  7.1                9.7
Divested businesses (8)                                                       (8.1    )          (16.9   )
Adjustments for non-wholly owned entities (9)                                 (26.2   )          17.4
Adjusted EBITDA                                                               532.0              688.5         -23%
Foreign exchange impact (10)                                                  15.0               -
Royalty revenue                                                               (0.8    )          (26.4   )
Credit losses                                                                 26.2               6.4
                                                                         $    572.4         $    668.5         -14%
                                                                         Three Months Ended September 30,
Retail and Alliance Services                                                  2009               2008          Change
Segment Revenue                                                          $    796.7         $    833.0         -4%
Reimbursables                                                                 498.8              410.8
Segment Revenue including reimbursables                                  $    1,295.5       $    1,243.8       4%
                                                                         Three Months Ended September 30,
Financial Services                                                            2009               2008          Change
Segment Revenue                                                          $    339.3         $    380.3         -11%
Reimbursables                                                                 148.5              178.7
Segment Revenue including reimbursables                                  $    487.8         $    559.0         -13%
                                                                         Three Months Ended September 30,
International                                                                 2009               2008          Change
Segment Revenue                                                          $    414.6         $    462.3         -10%
Foreign exchange impact (10)                                                  41.3               -
Segment Revenue on a constant currency basis                             $    455.9         $    462.3         -1%
Segment EBITDA                                                           $    106.5         $    140.9         -24%
Foreign exchange impact (10)                                                  15.0               -
Segment EBITDA on a constant currency basis                              $    121.5         $    140.9         -14%
Margin                                                                        25.7%              30.5%
Margin on a constant currency basis                                           26.7%              30.5%

(1)  Includes interest expense and interest income.
(2)  Excludes amortization of initial payments for new contracts.
(3)  Stock based compensation recognized as expense.
(4)  Includes net restructuring, impairments, litigation and regulatory
     settlements, investment gains and losses, derivative financial
     instruments gains and losses, net divestitures and non-operating
     foreign currency gains and losses as applicable to the periods
     presented.
(5)  Represents an adjustment to exclude the official check and money
     order businesses from EBITDA due to the Company's wind down of
     these businesses.
(6)  Represents implementation costs associated with initiatives to
     reduce operating expenses including items such as platform and
     data center consolidation initiatives in the International
     segment, expense related to the reorganization of global
     application development resources, expense associated with
     domestic data center consolidation initiatives and planned
     workforce reduction expenses, as well as certain platform
     development and other costs directly associated with the
     termination of the Chase Paymentech alliance, all of which are
     considered nonrecurring projects (excludes costs accrued in
     purchase accounting).
(7)  Represents the exclusion of third party expenses including legal,
     accounting, and other advisory fees incurred in connection with
     the merger of the Company with an affiliate of KKR ("the merger")
     and the debt issued thereunder, KKR annual sponsor fees for
     management, consulting, financial and other advisory services and
     the effect of purchase accounting associated with the merger on
     EBITDA which is primarily the result of revenue recognition
     adjustments.
(8)  Adjustment to exclude the EBITDA of divestures through September
     30, 2009 as if these businesses had been divested for all periods
     presented.
(9)  Net adjustment to reflect First Data's proportionate share of
     alliance EBITDA within the Retail and Alliance Services segment.
(10) Foreign exchange impact represents the difference between actual
     2009 and 2009 calculated using 2008 exchange rates.

FDC-1

SOURCE: First Data

First Data 
Investor Relations 
Silvio Tavares, 404-890-3000 
silvio.tavares@firstdata.com 
or 
Media Relations 
Chip Swearngan, 404-890-2373 
chip.swearngan@firstdata.com