Comprehensive Payment Card Solutions

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1 Comprehensive Payment Card Solutions Services provided by

2 The Power of Partnership Maximize Performance by Joining Two Industry-Leading Cooperatives As financial cooperatives, Corporate One Federal Credit Union and PSCU Financial Services are owned and managed by credit unions for credit unions. Our deep industry roots help us understand the challenges credit unions face and the regulatory environment in which they operate. Through an innovative partnership, Corporate One now offers a comprehensive suite of payment card solutions for small- and medium-sized credit unions that is powered by PSCU Financial Services. This powerful partnership provides services and solutions to maximize the performance of credit union card programs to achieve the following: Amplify revenue growth Grow balances Increase activation rates Increase card usage Contain or reduce expenses Minimize risk Remain competitive Strengthen member relationships Make the credit union card the card of choice

3 About Corporate One Corporate One Federal Credit Union is one of the largest and most progressive corporate credit unions in the nation. We are a member-owned financial cooperative, and our members rely on us for a host of wholesale financial services, including cash management, payment and investment services. As a full-service corporate credit union, we have a long tradition of serving America s credit unions, regardless of size. In fact, for more than 20 years, Corporate One Federal Credit Union has offered specially designed card payment solutions to credit unions with smaller to medium-sized volumes that may not have been able to offer these services competitively to their members otherwise. We also have a proud history of developing other innovative solutions for credit unions. Some of our leading programs include SimpliCD, the turnkey brokered CD program now utilized by thousands of credit unions nationwide, and Alliance One, one of the largest credit union ATM selective-surcharging groups in the nation. Simply put, Corporate One Federal Credit Union is committed to providing credit unions with the solutions they need to serve their own members successfully. And, we do it with exceptional service and integrity every day. About PSCU Financial Services Since 1977, PSCU Financial Services has been a leading provider of financial services to credit unions. As the nation s largest Credit Union Service Organization (CUSO), it is owned by more than 600 credit unions and provides services to more than 1,300 financial institutions nationwide. PSCU Financial Services provides industry-leading credit, debit, ATM and prepaid card programs, as well as innovative bill payment and electronic banking services to millions of cardholders and subscribers. These services are backed by outstanding support from four 24/7/365 contact centers. It delivers confidence and peace of mind through portfolio growth and card marketing programs as well as industry-leading fraud and risk-management services.

4 Take Your Card Portfolios to the Next Level Grow Credit and Debit Revenue with Integrated Support Solutions Push your credit and debit card portfolios into profitable territory while creating stronger and more productive relationships with your members. These products provide credit unions the support they need to build robust and successful credit and debit card portfolios. Whether your credit union is large or small, these products will help you expand your membership. It s Not Just What s on the Cards The partnership of Corporate One Federal Credit Union and PSCU Financial Services provides the best-in-class products and world-class service that will help credit unions succeed. Building a program using the following solutions, most of which come standard with our turnkey debit and credit card programs, will help you maximize revenue, eliminate fraud and strengthen your relationships with your members by offering them the types of cardholder benefits they desire. Credit and Debit Card Program Benefits to the Credit Union Visa/MasterCard Credit unions issuing debit cards or Platinum credit cards through our programs receive the world-class backing of either Visa or MasterCard. Digital Plastics You hold all the cards with Digital Plastics. Digital Plastics offers the ability to create custom images without a minimum order. You can use a custom image or choose from a digital library. Credit unions no longer have to maintain stocks of preprinted card plastics, resulting in huge cost savings over traditional card processes. SafeLink SM SafeLink provides a secure Internet-based solution for file transmissions between your credit union and our processing platform. Credit and/or debit card data is encrypted before transmission to ensure the privacy of sensitive information.

5 Dispute/Chargebacks Although infrequent, credit and debit disputes do occur. Our team provides the expertise needed to protect both your credit union and your valued cardholders from financial loss. Our highly trained and experienced dispute staff will continually educate your credit union on how to stay ahead of the constantly changing nature of card regulations. PIN Mailer To promote card usage, a PIN is a must-have for access to lines of credit. The PIN Mailer is sent directly to your member s address on file at the time a new account is opened or upon demand. By using this convenient service, your cardholder will get the most out of his credit union credit/debit card. Fraud/Risk Management Services Falcon Fraud Predictor Falcon Fraud Predictor reinforces your protection from fraud by effectively limiting fraud occurrences and fraud-related expenses to your cardholders and your credit union. Falcon Fraud Predictor, which has been customized for Corporate One Federal Credit Union and PSCU Financial Services members, uses neural network technology to learn your individual cardholder behaviors. Falcon Fraud Predictor then incorporates that information with merchant profiles and is able to detect abnormal transactions at the point of sale. On average, credit unions using our customized Falcon Fraud Predictor experience far less fraud than other financial institutions, benefiting both the credit unions and their cardholders. cardholder information by employees granted access to the First Data system, where the information is housed. The system tracks operator access made at the credit union, Corporate One Federal Credit Union, PSCU Financial Services and First Data. Card Activation with Mail Integration Cards mailed from our processing center are integrated with other non-card mail to eliminate easy recognition. The cards have a sticker prompting the cardholder to call a toll-free card activation line for verification of receipt and approval to use the new cards. Two-Factor Authentication Our two-factor authentication solution allows your credit union to bring your internet-based products into compliance with Federal Financial Institutions Examination Council (FFIEC) guidelines. The safer your online members are, the more transactions they will make and the stronger your relationship with them will be. And Much More In addition to these fraud and risk management services, we also offer risk-based pricing, identity theft protection for your members and other comprehensive fraud monitoring and management services to help you and your members stay ahead of the fraudsters. Footprints This technology gives credit unions the power to research any potential misuse of card and

6 Debit and Credit Cardholder Benefits Contact Center Services PSCU Financial Services is recognized as the industry leader in contact center services. With a toll-free number available in the United States and 11 foreign countries, members can communicate with English- and Spanish-speaking representatives and access a hearing-impaired TTD service. Tenured staff is well-trained and fully equipped with the newest technologies. As a result, studies show twice as many satisfied cardholders than the industry average. Plus, state-of-the-art contact centers in Florida, Arizona and Michigan are designed to operate continuously in case of a service disruption at any facility. CURewards Our dynamic rewards programs will help make your credit union debit and credit cards top of wallet. Points for rewards are given for the use of the card, and rewards can be anything from trips to exotic destinations to high-end electronics and even gift certificates. Your credit union sets the point system and you choose the rewards. And, if cash back is what your members want, we offer this option too. We also offer joint rewards for participants on both our credit and debit programs, making it even more likely your members will utilize your credit union s cards first. Cardholder Selected PIN This solution lets your cardholders choose a PIN that is meaningful to them and, therefore, easy to remember. The easier the PIN is to remember, the more likely the card will be used. Secure Online Transactions To ensure your members card security, we offer an online security solution in conjunction with Visa s Verified by Visa and MasterCard s SecureCode programs. The innovative online services verify a cardholder s account ownership in real time during an online payment transaction, creating a safer and more cost-effective e-commerce solution. Optional Services for Credit Unions Strategic Consulting A 360-degree review of your debit and credit programs will maximize opportunities through new product offerings and strategic recommendations. Our consultants will take a comprehensive, top-down approach that assists with your growth, activation, retention and profitability objectives. Moreover, they will evaluate key performance metrics and arm you with the tools to create successful debit and credit portfolios that are profitable, competitive and primed for growth. Collections We put into play best practices known to increase collection performance efficiency and get results on delinquent cards. Our collections solution concentrates on accounts that are one to 89 calendar days past due, which for most credit unions represents 90 percent of the collections workload. CardLock Our innovative new CardLock service empowers your members to help prevent payment card fraud in turn reducing expenses for your credit union. Once enrolled, cardholders can easily block and unblock authorizations to their accounts anytime, anywhere. All it takes is a quick phone call to the automated system or a visit to the secure website to prevent others from using the card for fraudulent purposes.

7 Maximize Your Credit Portfolio Leverage the Power Behind Our Industry-Leading Platform Research continues to show that members who are active credit card users utilize more credit union services, maintain higher deposit and loan balances, and generate more income than members without credit. But, all credit card programs are not created the same. To truly advance the revenue potential of your credit union s credit card portfolio, you need to tap into a powerful platform that satisfies member demands, promotes usage and rewards cardholders for activity and loyalty. Corporate One Federal Credit Union and PSCU Financial Services have teamed up to provide credit unions turnkey credit card services that maximize revenue and member satisfaction while minimizing the amount of work it takes to manage more complex programs. Our program is turnkey, yet robust enough to wow your members with the features and benefits they should expect from a premier credit card solution. Revenue and Transaction Solutions Strengthening existing member relationships is key to success in today s financial services marketplace. Our revenue and transaction solutions generate loyalty among members by providing value-added products that increase activity among existing members while promoting overall growth. Platinum Cards For some cardholders, Platinum credit cards are the reward for financial responsibility. Many of your valued and most profitable members deserve, and may demand, Platinum card recognition. That s why our turnkey credit card offering makes Platinum cards standard. A typical Platinum cardholder is well-educated, financially astute, affluent and relatively young. Furthermore, research shows Platinum cardholders purchases are, on average, approximately 20% higher than purchases made on a Gold credit card. Additionally, more than 65% of their balances revolve. Platinum is a valuable solution for your members and your credit union. Transaction Level Pricing Transaction Level Pricing (TLP) is a marketing tool used to systematically separate specific transactions from normal processing for special handling. With TLP, your credit union can create customized offers in which transactions of your choice qualify for a designated promotional rate this could even be 0% for a specific period of time or for the life of the promotional balance. As costs associated with gaining new cardholders continue to rise, maximizing the profitability and retention of your existing cardholders is critical. Utilizing TLP is key to increasing your cardholders activity, satisfaction and loyalty.

8 Transaction Level Fees When your cardholders travel internationally, you ll need to exchange their American dollars for any credit card purchases. Transaction Level Fees allow credit unions to assign cash- or merchandise-item fees to currencyconversion transactions when the country code differs from the issuer country code. Foundational Credit Solutions Our foundational credit solutions were created to differentiate your credit union from other financial institutions. These services allow you to build on a solid foundation, adding appeal to your credit union s credit card products, while strengthening your member relationships. cardholder requests 24/7/365. Balance Consolidation provides the ultimate in convenience for your credit union and your cardholder. Convenience Checks Due to competitive card programs, sometimes a member s account becomes dormant. Convenience checks are designed to activate dormant accounts, as well as increase usage among your active cardholders. Convenience checks can be used effectively for debt consolidation, balance transfers, and to access cash from the cardholder s available credit line. Enterprise Statements Enterprise Statements provides your cardholders with a monthly billing statement of all card transactions, credits and finance charges. In addition to providing card activity detail, your credit union can capitalize on the statement mailing by including credit union inserts and statement messages that speak directly to your cardholder. Balance Consolidation To convince a member to transfer a balance from another card to yours, the process must be simple. With Balance Consolidation, you can transfer your members higher interest rate balances in one easy step. When your members are ready to streamline their finances, there are contact center representatives ready to help, processing

9 Technology Support Solutions With so many options for your credit card program, it s important for credit unions to have a technical system in place that organizes these solutions and ensures that they operate efficiently and effectively. Evolve Evolve is a secure, web-based application that offers you the ability to control and manage your card programs while providing your staff easy access to data on the credit card processing system. Comprehensive and easily accessible data will provide you comfort and ease in managing your card programs, while providing exceptional cardholder service. InfoLink SM InfoLink SM allows your members to access their credit card information in real time from your credit union s website. A seamless extension of your existing website, InfoLink will provide your members with an environment designed with the credit union service model in mind. InfoLink incorporates enhanced features and rule-based functions for greater usability, increased cardholder satisfaction, and reduced service costs for your credit union. Through the Direct Sign-On structure, users authenticate via Multifactor Authentication. Real-time information partnered with layered access security delivers your members the convenience and comfort they require when banking online. estatements estatements allows your credit union to offer your members electronic credit card statement delivery when subscribing to InfoLink. An notification is sent to members when their new statement is available, instructing them to log in to the appropriate website to view, print or download their statement. Your members can subscribe to estatements, change their delivery preferences, and also deactivate from estatements via Internet-based applications. estatements provides online members with the ultimate in timely and convenient account management as well as cost savings for your credit union over the cost of paper statements.

10 Unlock Your Debit Potential Grow Your Debit Program with Our Flexible and Robust Solutions Debit cards are rapidly becoming the preferred payment option for your members, and it s easy to see why. Debit has the power of cash, without the risk. For many credit unions, debit is the second highest source of non-interest income. Improve the growth of your debit portfolio and ensure that your debit card becomes the payment method of choice over checks and cash. Foundational Debit Solutions Our foundational debit solutions provide unmatched processing options and access to top national and regional networks. We provide you with the flexibility to outsource the functions that complement your in-house processes. And, regardless of the options you choose, you re always backed by the most robust debit platform in the industry. Signature and PIN Our powerful debit solution offers the option of integrated Signature and PIN or a la carte processing. Our integrated Total Debit Solution is designed to generate more transactions and revenue for your credit union, delivering everything you need in one bundled Signature and PIN solution. In addition, the single online authorization point for all debit activity simplifies implementation and saves time and money, while a single settlement point consolidates and streamlines all debit card processing. Plus, you can gain access to a single interface and settlement point to multiple national and regional networks. ATM Your members can enjoy convenient ATM services using national, regional or local networks. Take advantage of a fully featured, end-to-end ATM transaction processing solution, including terminal driving, performance and cash monitoring. Monitoring your ATM investment will help reduce cost, provide cross-selling opportunities and decrease ATM downtime. Furthermore, we support a wide range of ATM makes and models using a variety of telecommunication modes. Small Business Debit Small business is the fastest-growing segment in American business and represents an impressive revenue opportunity for your credit union. These members have a greater need for financial services and are very loyal to institutions that help them meet personal and business goals. Key Benefits for Credit Unions Generates revenue through higher interchange rates Reduces expenses by decreasing check- and deposit-processing costs Attracts new members with diverse needs Builds relationships that lead to increased use of other credit union products and services as the business grows Go beyond the limits of typical business card products to give your members the freedom they deserve.

11 Debit Support Solutions Our debit support solutions were created to help simplify life for you and your members. These value-added services will help you make the most of your credit union s debit portfolio, providing the confidence and peace of mind necessary to succeed. The STAR Network The STAR Debit & ATM Network focuses on connecting people with their money. This leading PIN-secured debit network offers 2 million places in the U.S. for your cardholders to use their STAR/ATM debit cards for cash or purchases. Plus, cardholders can make withdrawals, transfers, balance inquiries, and deposits, and print statements at select ATM locations. STAR STATION STAR STATION is a Web-based administrative tool for debit that provides your credit union with real-time access to all the resources and information needed to manage your debit and ATM programs. It allows you to process a variety of tasks, including file maintenance, adjustments and copy requests, hot card statusing, ATM status and history checks, and authorization and transaction information retrieval. Executive View Select With Executive View Select, you have access to all the information you need to unlock the full potential of your debit card program. This cutting-edge solution provides information on your individual members debit card usage, and it gives you the ability to proactively address issues that could be preventing your members from using their debit cards. By providing this information through a simple point-and-click tool, your credit union can boost debit transactions and revenue with more efficient marketing efforts that target the right members with a message tailored to them.

12 Gain an Advantage Over the Competition Grow transactions, gain operational efficiencies and leverage industry-leading fraud technologies with our credit and debit card solutions. Rise above the competition in today s financial landscape and take the next step to increase card revenue. Visit or call 866/MyCorp1 today.

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