Euronet Financial Transaction Software Streamline and Manage Your Self-Service Devices with Robust and Secure Technology from a Proven Leader

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1 Secure Financial Transactions Any Time, Any Place Euronet Financial Transaction Software Streamline and Manage Your Self-Service Devices with Robust and Secure Technology from a Proven Leader One Platform for Your Business, Operations & Customer Service Needs Serving millions of people worldwide with electronic payment convenience.

2 Drive Successful and Profitable Transactions with Proven Solutions Our software solutions are being used 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 Euronet Software Solutions - a Proven and Trusted Partner

3 Manage Your Banking Self-Service Devices on a Central Transaction Platform with Euronet Financial Transaction Software Your self-service devices ATMs, CDMs and kiosks are key channels for delivery of a wide range of banking and non-banking services to customers. They also increase the reach of your financial institution to provide services to areas that are not covered by conventional branch banking. As such, it is vital that they work with superior performance and with software that runs when, where and how you need it most. Euronet Financial Transaction Software (EFTS) streamlines and operates your banking selfservice devices allowing your environment to be scalable and robust with a vendor and hardware agnostic payments solution. Your devices require quick transaction processing with high availability and enhanced user experience. EFTS offers this and more with a central transaction platform that is capable of serving multiple bank clients for all types of banking self-service devices. EFTS boasts a multitude of features that make it user-friendly and enhances the experience for both the end-user of the device as well as users of the monitoring and management tool. Scalable ROBUST Hardware Agnostic Enhanced User Experience HIGH AVAILABILITY The Best Solution for Superior Performance

4 Profit from a Well-Rounded Solution that Covers All of Your Needs EFTS serves the functions of transaction routing, transaction journalizing, monitoring, alerting and dispatching as well as device configuration. It provides functionality catering to customer service and business needs as well as technical requirements such as reporting and content management systems, monitoring activities, screen and receipt designer, simulator, SLA monitoring and more. EFTS takes your self-service devices to the next level and beyond. Meet and exceed your business, operations and customer service requirements now and into the future with EFTS. EFTS Helps you strengthen your position as a market leader in banking and payment services by providing high availability services when and where you need them Reduces processing costs from an operational perspective through enhanced workflow management Reduces time to market for new products and channels, enabling you to stay ahead of the competition and become a leader in the market Enhances and standardizes your self-service channels, allowing the flexibility to support a variety of products and services Reduces existing manual and time-consuming processes Reduces the costs of processing business and operations transactions such as screen downloads and software updates Effectively handles the anticipated growth in electronic and other payment transaction volumes Enhances the customer proposition by offering additional services like coupon and ticket dispensing Adheres to card scheme and local regulations

5 Enjoy a Robust Solution with Superior Performance and Rich Features EFTS streamlines all functions of the ATM and allows you to tailor your devices with unlimited possibilities EFTS is based on the Client Server technology and includes: The EFTS Client The EFTS Server The EFTS Terminal Management System The EFTS Designer It is developed for operating multi-vendor banking self service devices on the WOSA-XFS layer. The EFTS Client installed on the ATM connects to the EFTS Server. This robust and powerful client server architecture not only drives your self-service devices but boasts rich features encompassing a world of possibilities for you and your customers. General Features of EFTS EMV- and PCI-compliant SSL and RSA encryption Remote key load, dynamic key exchange and static key support Supports transactions for all international card schemes XML scripting based ATM user interface definition Active-Active server with load balancing and dynamic scalability Easy integration with customer management platform such as content management or CRM Flexibility to add hardware devices to the self service terminal such as NFC card reader, Barcode reader or Biometric reader EFTS includes a triple layer of security including sequence counters, automatic cancellations and confirmations

6 EFTS Client Provides the Power to Manage and Streamline Your Devices The EFTS Client uses a modular approach built on the XFS layer. Feature rich, it enables the performance of a comprehensive range of business transactions. Automated configuration detection At start-up and at the beginning of the idle loop, the EFTS Client starts a device self test to detect the current configuration, in particular the state of the XFS devices and the state or value of the device hardware. The EFTS Client continuously monitors the self-service device and reports its status. It listens to XFS error events and logs manufacturer specific error codes for later analysis. All status and transaction information are transferred to the EFTS Server to be monitored there. EFTS Client Modules Controller Module This module controls all the modules within the EFTS Client. Transaction Module and EMV Chip Module The transaction module is responsible for processing and routing data received from the services module to the communication module for sending to the EFTS Server. This module also communicates with the EMV Chip module when EMV chip card transactions are being processed. Services Module This module is responsible for the communication between the EFTS Client modules and the XFS layer which drives the hardware. Communication Module This module is responsible for sending and receiving messages between the EFTS Client and the EFTS Server. It passes incoming messages to the internal modules for further processing. Supervisor Module This is the user interface for first and second line maintenance during service visits such as cash or consumables replenishment and pick up of retained cards. Translator Module This module translates text strings into multiple languages. Watchdog Module This is an external module which monitors the health status of the EFTS Client application and performs self healing by restarting the client if the network is not reachable or the system hangs.

7 EFTS Server Delivers Differentiated and Preferred User Experience The EFTS Server is able to operate as a virtual server and has the following features and functionality to support the ATM as a delivery channel: Multi-financial institution processing Multi-language display and print, including multi-byte Multi-currency dispensing Transaction journaling and routing Transaction security through TDES, MAC and automated key distribution Central database of transaction and device logs Automatic screen, configuration and software update Unlimited downloadable screen sets Active-Active mode for high availability Interfaces to the switching platform Interfaces to 3rd party systems External easy-to-use web service API Simulator mode for test scenarios and error simulation HSM simulator for testing without physical HSM CRM campaign management Personalized customer messages Content management A Virtual Server with Numerous Features and Benefits EFTS Server Supports Your Devices as Delivery Channels Hello, Mr. Rao What would you like to do today? Balance Inquiry Mini Statement Cash Withdrawal Fast Cash CANCEL Funds Transfer Pin Change Bill Pay Favourites Welcome screen for regular customers Please choose your language English español français 中 国 的 ` Deutsch русский ελληνικά Offer language choice Balance Inquiry Balance Inquiry Cash Cash Withdrawal Withdrawal Hello, Hello, Mr. Mr. Nair Nair What What would would you you like like to do to today? do today? WELCOME TO AXIS BANK Select an option to continue: Carded Transaction Mini Mini Statement Statement Pin Change Pin Change Funds Funds Transfer Transfer Cardless Transaction CANCEL CANCEL CANCEL NEXT Offer customers their favorite transactions upfront based on their previous transaction behavior Allow customers to select the currency denominations and language of their choice Target off-us customers for acquisition Deliver personalized greetings through integration with the CRM system Display seasonal and personalized anniversary and birthday greetings Target campaigns to be displayed to customers of various age groups Include a variety of promotional messaging for bank or 3 rd party products Fast Cash Fast Cash Bill Pay Bill Pay Favourites Favourites Differentiated screen for premium customers Happy Birthday! TRANSACTION Mr. Nair, SUCCESSFUL what would you like Balance Inquiry to do today? You have successfully withdrawn Rs Account Balance: 8,500 Cash Withdrawn: 1,500 Current Balance: 7,000 Cash Withdrawal Mini Statement PRINT ADVICEPin Change EXITFunds Transfer CANCEL Personalized greeting through CRM system Fast Cash Bill Pay Favourites Please choose currency denomination CANCEL Carded Transaction Please insert and remove your card immediately CANCEL NEXT Offer denomination choice Please wait while your transaction is processing Now you can purchase credits for Apple App Store from this ATM Click here if you re interested This action will not interrupt your transaction Targeted campaign

8 EFTS Terminal Management System Increases Availability The most important objective of the Terminal Management System is to increase the availability and thus the profitability of your self-service devices. Its multivendor capability is essential for successful monitoring and management of self-service devices of various manufacturers. EFTS Terminal Management System The Terminal Management System is a web-based tool consisting of three main categories: Device, Monitoring and Administration. The Terminal Management System offers information regarding the status of self-service devices and their individual components, as well as statistical information, electronic journal data and an automatic dispatching of service providers in case of hardware errors. Its user administration allows the allocation of individual user access privileges. The monitoring tool is well suited for both internal as well as external use: employees at the customer hotline are able to give real-time information regarding a transaction; the monitoring team can check the entire device network and can make arrangements with service providers to keep to agreed SLAs; employees of the bank are able to handle customer complaints and use it for reconciliation purposes. The tool renders all essential information for monitoring and managing self-service devices and much more. Increase the Availability and Profitability of Your Devices

9 EFTS Designer Manages Screen Flow with Ease and Variety of Options For managing screen flow, the EFTS Designer offers an easy and accessible graphical tool for: EFTS Designer Allows You to Easily Manage Screens Creating new screen flows Viewing and editing existing screen flows Testing of screen flows Tree view for data flow Localization of screen flows Preparing CRM campaigns with own screen flow Graphical receipt editor

10 Ensure Solid and Secure Transactions with Complete Hardware Support EFTS works with your environment to efficiently and accurately route transactions while supporting the functionality of the hardware allowing for a successful blend of support, services and features Transaction Support Authorization of international card schemes Cash-out (different account types / different accounts) Cash-In including sophisticated counterfeit handling Mobile phone recharge Prepaid vouchers Balance inquiry Mini statement PIN change / PIN unblock Card activation Bill payment Cardless transactions Dynamic currency conversion CRM campaigns Loyalty transactions / acceptance of closed loop cards User preferences Hardware Support Magnetic, EMV/chip, Contactless card reader Single and Dual Dispenser (multi currency, couponing, coins) (with/without stacker) Acceptor (note, coin, recycler) Printer (multi byte, graphic and barcode) Barcode reader (for bill payment, POSA products) Touch Screens Fixed function keys Second monitor Video security camera Service Operating Panel device (for Through The Wall or Rear load ATMs) Numeric or Alpha numeric PIN keypad Enhanced audio (for visually impaired) Multimedia (video / graphics)

11 Euronet Software Solutions the Best Choice for Managing Your Self-Service Devices For more information about EFTS or other Euronet solutions, Contact Us Today Global Presence of Euronet Worldwide Americas Offices Little Rock, Arkansas Orlando, Florida Miami, Florida Los Angeles, California Euronet Software Solutions Corporate Office Chenal Parkway Little Rock, Arkansas Asia Pacific Offices Wellington, New Zealand Colombo, Sri Lanka Mumbai, India EMEA Offices Budapest, Hungary Belgrade, Serbia London, England Dubai, UAE Lisbon, Portugal Cairo, Egypt We enable our clients to deliver secure electronic payment convenience to millions of people around the world Serving customers in 155 countries 52 Worldwide Offices 4,100 Employees 11 Processing Centers 18,311 ATMs 733,000 POS Terminals 510,000 Retailer Locations Billion Transactions Processed in 2013 $1.413 Billion Revenue in 2013

12 Euronet Software Solutions Chenal Parkway, Suite 200 Little Rock, Arkansas Copyright 2013 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. March 2014