Euronet Software Solutions Integrated Credit Card System Improve your organization s marketability, profitability and revenue

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1 Secure Financial Transactions Any Time, Any Place Euronet Software Solutions Integrated Credit Card System Improve your organization s marketability, profitability and revenue Serving millions of people worldwide with electronic payment convenience.

2 Drive Successful and Profitable Transactions with Proven Solutions Our software solutions are being used by customers in more than 50 countries and have been powering the transaction processing needs of customers since Our solutions are used to support the issuing, acquiring, self-service, e-banking and card scheme connection requirements of financial institutions, processors and other organizations of all sizes. From retail and telecommunications organizations to small, local banks and large multinational processors, Euronet has a solution to meet your needs. An Innovative, Global, Experienced and Results-Oriented Leader Euronet Software Solutions supports customers in Europe, North America, Latin America, the Caribbean, Australia and across Asia with a staff of more than 200 experienced professionals. We are a results-oriented organization dedicated to the success of our clients. While ensuring quick time-to-market, we provide a quality experience with innovative and competitive solutions to enable our clients to deliver secure electronic payment convenience to millions of people worldwide. 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 solutions and a global presence are the foundation of our success. Deliver Secure Electronic Payment Convenience to Your Customers Provide Value-Added Services Take Advantage of Innovative Solutions All from a Trusted Partner

3 Generate New Business with Credit Cards Improve your organization s marketability, profitability and revenue potential across card issuer operations. The credit card business is tough, exciting and highly competitive. Designing and launching new card products, reaching for volume growth and staying ahead of the competition demand flexible and resilient card management systems. The growing trend toward in-house card issuing offers greater revenue generating opportunities through a broad selection of cardholder fees, a closer relationship with the cardholder and a greatly reduced dependence on external organizations. Euronet Software Solutions Integrated Credit Card System (ICCS) is the product of choice for today s issuer or processor, fully equipped for the needs of tomorrow. ICCS offers you a solution that blends proven and widely utilized technologies with more than two decades of experience in electronic payments and transaction systems. Our products enable financial institutions the flexibility needed to meet consumer demands, and to improve marketability, profitability and revenue potential across card issuer operations. Euronet Software Solutions Integrated Credit Card System comprehensively supports an extensive range of card issuing and processing functions, including chip, contactless and NFC issuing. Supported Card Types Euronet Software Solutions Integrated Credit Card System is a sophisticated solution with the capability to support all card-based payment instruments, including credit, charge, and private label, corporate or individual accounts. These cards may be for personal or business cardholders. Our solution offers you total flexibility in the issue of credit and charge card products bearing the logos of the world s most successful brands: Visa, MasterCard, American Express, UnionPay International and Discover. Develop New Business and launch new card products, including EMV, more rapidly and effectively. Euronet Software Solutions Integrated Credit Card System can help you to improve marketability, profitability and revenue potential across your card issuer operations. It will allow you to develop and launch new card products, including EMV, more rapidly and effectively. Your customer relationships will be strengthened and loyalty retained. Your operational efficiency will be improved and you will create a greater competitive differentiation.

4 Enjoy an Integrated Solution Full of Features for You and Your Customers Euronet Software Solutions Integrated Credit Card System is fully integrated providing a rich transaction set at your customers disposal to manage their credit card accounts. With Euronet s Integrated Transaction Management at its core, our credit card solution is built to interact with all Euronet software solutions. Through modular design, your investment overhead is optimized by selecting only the applications and modules that meet your specific business needs. The Euronet suite includes products for card and account management, ATM, POS, transaction authorization and switching, clearing and settlement, mobile recharge, bill payments and Internet banking. All Euronet products harness the full power and reliability of the IBM i-series platform.

5 Tailor a Robust Solution to Your Business Needs Through modular design, your investment overhead is optimized by selecting only the applications and modules that meet your specific business needs. All the tools you need to meet customer demands and manage a profitable business Multiple and dual currency products Delinquency management Collections, Fraud Monitoring and Loyalty Interfaces Statistical and portfolio reporting Automated account, card and transaction fee processing

6 Strengthen Customer Loyalty Strengthen existing customer relationships and retain loyalty by offering services that meet the cardholder s needs while improving operational efficiency with a solution that provides automated operations as well as ease of use. Components of Euronet Software Solutions Integrated Credit Card System As a configuration example, Euronet Software Solutions Credit Card System issuer and acquirer solution has five components: 1. Integrated Transaction Management for core processing and connectivity functions 2. Integrated Credit Card System for credit card issuance 3. Integrated Debit Card System for debit card issuance 4. Integrated Merchant System (IMS) for merchant management 5. POS Management (Point of Sale) for terminal management

7 Integrated POS Credit Bank Card Solution System Key Features that Set Us Apart from Other Solutions Multi-Product Processing Customizable Fees and Billing Operations Flexible Statement Options Delinquent Account Processing Supports processing for multiple organizations, multiple card types, together with dual and multi-currency functionality Account, card and transaction fee processing defined down to the individual card level allowing different fees per cardholder Ability to define multiple billing cycles, statement design at the card product level and dual currency statements which report two currencies on one statement Accumulation of historical data for regular and delinquent payments facilitating varied fees and account authorization processing based on delinquency Interfaces Card Plastic Management Installment Processing Flexible Fee Structure Interest Computation Minimum Payment Types Corporate Processing Annual Reporting Data Conversion Collections, fraud monitoring and loyalty interface provide focused account management Multiple Form Factor and paperless PIN processing options available all with a PA-DSS certified solution Functionality that allows cardholder to request repayment of large payments on installment payment plans Parameter-driven and user-defined, allowing you to maximize fee generation opportunities Multiple options available to control grace period (at BIN level), setting of accrual dates (transaction or posting date), interest profiles and automatic adjustment based on repayment criteria Provides the flexibility of how to calculate the minimum payment as well how to apply portions of the payment to principal, fee and interest Company and employee owned corporate card processing with limits at the individual card level Ability to segment spend for personal and corporate accounts to provide annual cardholder summaries Migrates from existing card management systems quickly with comprehensive conversion facilities for key client, card and account data conversion

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