Your Global Partner Providing Leading Technology to Manage and Streamline Your Payments System

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1 Your Global Partner Providing Leading Technology to Manage and Streamline Your Payments System

2 A GLOBAL PROVIDER THAT SUPPORTS ALL OF YOUR PAYMENT PROCESSING NEEDS Euronet Worldwide, Inc. is a global provider of electronic payment and transaction processing solutions for financial institutions, retailers, service providers and individual consumers. Euronet s three primary business segments Electronic Financial Transactions and Payments Software; Prepaid; and Money Transfer work together to leverage information, share best practices and provide a wide range of offerings for our clients. Euronet has been powering the transaction processing needs of financial institutions for more than 35 years. We process more than one billion transactions annually, originating primarily on global ATM and POS networks. Our software solutions power our customer in-house environments as well as our own data centers. Euronet is recognized around the world as an industry leader for providing one of the most comprehensive, fully integrated electronic financial transaction solution suites available in the market today. Our integrated software solutions are at the core of our payments hub architecture. Our software solutions have been installed more than 300 times in over 70 countries, and provide substantial reduction in the overhead costs associated with managing multiple delivery systems and vendor interfaces. Euronet s software solutions are multi-currency and multi-language capable which provide the flexibility your organization needs to expand service offerings into additional customer delivery channels without reconfiguring or relicensing the technology. LEADING TECHNOLOGY FROM A TRUSTED PARTNER AND SINGLE SOURCE While Euronet s Integrated Transaction Management (ITM) solution ensures absolute consistency and control across multiple customer touch points, our payments hub architecture creates an environment that blends your technology and business processes so that you can reduce risks and simplify your payment systems. We utilize service-oriented architecture (SOA) and Web Services channels with reusable service layers and components. This allows for streamlined processing and easier access to information in addition to easy connection to third-party vendors. Euronet can help your organization meet the demanding and ever-growing needs of your customers today and tomorrow with innovative and reliable solutions. In a world that is increasingly on the move, your customers expect and demand more convenient payment and financial transaction services. To remain competitive, financial institutions, retailers and mobile operators, among others, are responding with creative solutions and new transaction sets that result in satisfied customers and increased customer loyalty. With Euronet, you can drive successful and profitable transactions that are fully integrated, and take advantage of new solutions that are opening additional customer touch points via an expanding array of delivery channels. In this interconnected and sophisticated world of electronic financial transactions where the need for a single source provider of fully integrated software solutions has never been greater, Euronet is an experienced and trusted partner. Dedicated people, integrated products and a global presence are the foundation of our success.

3 SOFTWARE SOLUTIONS WITH NUMEROUS BENEFITS Euronet s solutions utilize a payments hub architecture that naturally reduces the risks and the complexity associated with connecting multiple delivery channels to multiple back-end systems. This discipline enables your organization to manage payments processing by seamlessly integrating ATMs and POS network merchant systems, card management, Internet, telephone and mobile devices within your retail delivery channels. We provide a fully integrated suite of solutions for Card Issuing, Transaction Acquiring, Mobile Commerce, EFT Gateway and Switching with Card Associations (Visa, MasterCard, American Express, Discover, China Union Pay) and numerous regional and national networks and ancillary value added capabilities. Our software offerings are designed to increase client revenues, reduce client expenses, improve security and increase the value of customer relationships. We continually invest in and explore new ways to service and expand the quality of our solutions through our commitment to product management, industry research and product development. Our demonstrated and continued product reinvestment ensures long-term growth, prevents solution obsolescence and provides a true competitive advantage. Card Issuing Solutions ATM Card Issuing Credit Card Issuing Debit Card Issuing Prepaid Card Issuing Contactless Card Support Chip Card (EMV) Support Self-Service Solutions ATM Device Driving POS Device Driving ebanking Solutions Telephone Banking Internet Banking Mobile Banking EURONET S PAYMENT SOFTWARE SOLUTIONS Card Association Payment Solutions International EFT Network Interface American Express Discover MasterCard China Union Pay JCB Visa Regional EFT Network Interface Proprietary EFT Network Interface Value-Add Offerings Dynamic Currency Conversion Customer Relationship Mgmt Bill Payment Alerts and Notifications Recharge Remittance / Money Transfer Payout Back-Office Processing Solutions Credit Card Management Merchant Acquiring Shared-Network Processor Professional Services Project Consulting Project Management Solution Delivery Training Customer Support

4 CONFRONT INDUSTRY CHALLENGES Explosive growth rates in electronic payments and a silo mindset to transaction management have resulted in inefficient, non responsive systems throughout the financial services world. TYPICAL LEGACY PAYMENT SYSTEM DEPLOYMENT A processing environment full of potential points of failure This silo approach and stand-alone legacy systems created a spaghetti-like processing environment full of potential points of failure and an environment that makes it difficult to streamline processing, utilize like capabilities and makes remaining current on software releases time consuming and expensive. As a result, financial services organizations have been left with an unfavorable cost-of-ownership and a competitive disadvantage. As payment transaction volumes continue to grow exponentially and payment instruments increase in complexity, organizations will be rendered unprofitable due to the inflexibility of legacy systems, the challenges of supporting multiple platforms and upward spiraling costs. Euronet s end-to-end payments hub architecture is designed to conquer these challenges.

5 ADAPT TO AN EVOLVING WORLD Swift ACH Visa MasterCard Network Access Consumers Commercial Mobile Operators Remittance Web Services Mobile Banking Authorization Exception Reporting American Express Compliance COMMON SERVICES PERFORMANCE CONTROL EMU - Euronet Monitoring Utility 1 Transaction Warehouse* TRANSACTION ENGINE AND MANAGER Common formatting, Routing, Validation, EMV, PCI, Verification, Communications Manager, Security and Audit Controls Internet Banking Web Services Web Services Telephone Banking POS Systems Discover /Pulse International Card Associations ATM & CDM Systems China Union Pay Web Services Various Regional Networks CRM Components Banking Back Office Systems Card Management Euronet Middleware Proxy & XML At the heart of Euronet s payments hub concept is the ability to rapidly change to meet market/ industry demands. Systems that embrace a payments hub mentality must have the architecture and infrastructure to readily accommodate change and be responsive to emerging product developments and market nuances. With Euronet s payments hub architecture, your organization can conquer industry challenges and adapt to an evolving world with world-class payments management from a comprehensive and cost-effective offering that provides a nimble and secure environment. Our technology is designed to respond to rapidly changing market requirements and to intense competition in addition to delivering a fast-track approach to the introduction of new services. Our payments hub architecture is the backbone to producing a structured approach and framework that supports legacy applications, multiple payment products and internal bank operations.

6 SECURITY, RELIABILITY AND EXPERTISE FROM DAY ONE For more than three decades, Euronet has embraced a payments hub philosophy. Well before its time, the initial version of our ITM suite delivered a hub and spoke remote financial services model. To this end, transactions were processed and managed through a single transaction engine. Redundant processing was avoided except as related to transaction security. Euronet s ITM foundation from its very inception has been one of security, integration, modularity, scalability and reusability. From day one, Euronet recognized the need to provide a highly configurable solution set with pluggable modules in order to support quicker time to market and the ability for our clients to grow their systems organically as their business expanded. Today, the ability to incrementally layer components on top of our core architecture provides a great opportunity for your organization to expand your systems so you can respond to market and regulatory pressures without having to re-invent the underlying ITM architecture. Consequently, Euronet has been able to follow the natural market progression from the traditional silo-based organization to a more open, serviceoriented architecture. ITM has evolved over time to minimize silo walls and provide a key component to an organization s payments hub through openness, accessibility and reusability. When security, reliability and expertise matter most, you can count on Euronet and its leading software solutions to manage your electronic payment and transaction processing. BENEFITS OF EURONET S PAYMENTS HUB ARCHITECTURE The inherent modular nature of Euronet s ITM product suite always lends itself to the addition of new features, transactions and processes. These characteristics provide the foundation for many benefits, some of which are listed below. Layered architecture eliminates barriers associated with legacy siloed approach An SOA framework provides the foundation for delivering nimble payment services by linking new products, technology and business processes Leveraging warehoused transaction data into manageable and actionable information helps drive cost containment and creates competitive advantage by providing one-to-one and locationbased marketing capabilities Embracing industry standards and avoiding proprietary technologies ensure application reliability and transaction integrity Complex security controls that guard against data compromise and associated adverse consequences Business scalability addresses not only technology components but the ever-changing, ever-expanding world of payment instruments Timely deployment of association required compliance and mandate changes is critical for business continuity and reliability End-to-end transaction processing and comprehensive management reporting mitigate business risks and ensure a long term, stable platform for payments evolution

7 STAY CURRENT AND REDUCE TIME TO MARKET While many vendors require their customers to re-install their systems in order to upgrade to the latest enhancements, Euronet makes it easy to stay current through an annual Point Release program. Euronet s Point Release program allows you to update your system with the latest features and enhancements through the use of automated tools and hands-on support from a dedicated Euronet team. This simplified approach is highly successful and greatly eases your ability to take advantage of the significant feature enhancements we make available on a regular basis. In addition, this industry best practice exemplifies our commitment to delivering value added services by reducing your time to market. CHOOSE EURONET AS YOUR TRUSTED PARTNER Through combined expertise in terminal driving, transaction switching, processing, and software development, Euronet delivers more types of integrated transaction and payment solutions than ever before. Complementing over 30 corporate locations worldwide, Euronet s Software Division is headquartered in Little Rock, Arkansas, with offices in Egypt, Greece, Hungary, Miami, New Zealand, Orlando, Portugal, Sri Lanka and the United Kingdom. Euronet Chenal Parkway, Suite 200 Little Rock, Arkansas Our team of experienced professionals, suite of integrated products and dedication to excellence in customer service enable us to meet your electronic financial payment needs and help you achieve more success and profitability. With Euronet, you benefit from more than 35 years of diverse payments experience and gain a focused partnership with an industry leading, financially sound, global organization. Make the smart choice by choosing Euronet an organization uniquely positioned to meet your diverse needs - any time, any place. CONTACT US For more information about Euronet s Software Solutions, contact your Euronet account representative or us at sales@eeft.com

8 Copyright 2010 Euronet Worldwide, Inc. All rights reserved. Any and all product names, company names, logos and trade names used in this publication are assumed to be the legal property of their respective companies. September 2010 v. 4.3