Secure Financial Transactions Any Time, Any Place

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1 Secure Financial Transactions Any Time, Any Place Euronet Software Solutions Gold-Net Global Payment Solution Become a Processor Providing Authorization, Clearing, Settlement, Value Added Services and a Global Gateway for Your Financial Institution Participants Serving millions of people worldwide with electronic payment convenience.

2 What is a Processor of Electronic Payments? A processor of electronic payments is an organization that provides secure, scalable, compliant and reliable transaction routing and switching for financial institution member participants. Routing and switching payments include authorizing, clearing and settling transactions making sure they are valid, funds are available and accounts are credited and debited accurately. Payments organizations around the world use Euronet Software Solutions Gold-Net Global Payment Solution to perform this critical function seamlessly. Regional and Global Connections Routing and Switching Value-Added Solutions An Essential Gateway A Trusted Partner A processor provides the technology and the gateway to global payments and solutions for financial service provider members.

3 Why Be a Gold-Net Payments Processor? Utilizing Euronet Software Solutions Gold-Net Suite, You Can Earn Revenue on Every Transaction while Providing Processing Services for Seamless Payments and Value- Added Offerings in Your Region In today s fast-paced and high tech world with tremendous growth in electronic payment technologies, financial institutions are looking for efficient, reliable and cost effective ways to go-to-market quickly with convenient and innovative solutions. Euronet Software Solutions Gold-Net product is a streamlined ATM and POS network switching and management solution. It enables your organization to provide outsourcing services for device management, card management, PIN management, transaction routing and authorization in a secure environment. As a Gold-Net processor, your organization will play a pivotal role in helping your clients accommodate emerging payment technologies and trends such as dynamic currency conversion, contactless, EMV, P2P, bill pay, remittance, customer preferences and more. This will allow them to more effectively respond to the needs of their cardholders with value-added services. The benefits for your organization are numerous including revenue on every transaction you manage and route, increased market share, and a competitive advantage while helping your members serve customers in your region with a variety of innovative banking and electronic payment services. Providing value-added services such as recharge, bill pay, Internet banking and more, you enable your members to focus on growing their business and providing a world of payment options to their customers. ATM and POS transactions require a series of critical steps between issuers and acquirers. Gold-Net facilitates these steps securely and accurately allowing your organization to be an essential link in your region. Earn revenue on every transaction you manage and route Create a competitive advantage Increase your market share Provide a variety of banking services for your region

4 Provide Numerous Benefits for Your Members Cost Effective and Quick to Market Solutions Gold-Net allows you to provide numerous benefits to your members benefits that they may otherwise be unable to take advantage of due to limited budgets and resources, and other constraints. Reliable payment processing provides a global gateway to the world and powers the business growth of your members. It expands their market reach and protects their business with superior technology and guaranteed results. With you as their processor they are able to cost-effectively offer leading solutions to their customers quickly. Your financial institution member can feel secure in knowing that Gold-Net solutions that are PA-DSS compliant and certified with the various international and local network card associations saving them from the time and hassle of keeping up with requirement mandates. All of this adds up to solutions that are quick to market and cost effective for your clients. By not having to route, switch and settle their own transactions, or manage their cards and ATM and POS devices, your members are able to focus on nurturing and serving their customers rather than running the technology. POS Bank Solution Gold-Net Value-Added Services of Your Members Choice As a processor running Gold-Net, you provide your members with the services of their choice through your own network via institutional sharing arrangements as well as national and international interchange connections. These services include onli ne network and device monitoring, ATM, POS and other self-service financial device driving, and routing electronic fund transfer (EFT) network transactions to network participants. Value added services include bill pay, recharge, Internet banking, dynamic currency conversion, customer preferences and more. Euronet Software Solutions can help you create the best strategy with value-added services to for your organization and region.

5 POS Bank Solution Your Vision + Our Expertise = Unmatched Success We Work with You Every Step of the Way Creating the Right Strategy for You With various models of Gold-Net from which to choose, our team of specialists will talk with you regarding your needs and vision to create a strategy that works best for you and your organization. Our development, implementations, account management and customer support teams will be with you every step of the way making sure your solution is providing maximum benefits for you and your members. Reliable Solution on a Powerful Platform Gold-Net utilizes the power, reliability and affordability of the IBM System i platform, one of the most widely used platforms in the banking industry. Gold-Net is installed on System i by Euronet Software Solutions professionals who provide training and operational guidance to your network data center staff. Let us help you create an unmatched strategy for your organization so that you can realize the full range of benefits of being a processor Experienced Partner Unlike Any Other Euronet has a unique understanding of the payments business as both a solutions provider and as a processor. In addition to developing quality software solutions, as a processor, Euronet uses Gold-Net to manage its own data centers across Europe, the Middle East and Asia. Our data centers process transactions in a network of more than 17,600 ATMs and 69,000 POS terminals across 32 countries. Euronet s data centers provide comprehensive electronic payment solutions consisting of ATM network participation; outsourced ATM and POS management solutions; credit and debit card outsourcing; and card issuing and merchant management services. Leverage the Power of Euronet Euronet s unmatched knowledge and experience as both a provider and processor blended with its professional skills and state-of-the-art tools position your organization to achieve maximum results.

6 POS Bank Solution Gold-Net Modular and Expandable to Fit Any Environment The Design of Gold-Net Works to Create the Best Solution for Your Organization Utilizing our payments hub mindset and through modular expansions, Gold-Net is a complete switching and channel management ATM and POS processing system where the network drives the devices as well as switches transactions. Gold-Net s modular and expandable design allows for all manner of payment network environments, whether the network is a small proprietary network managing transactions for one institution or a large shared network that offers linkage to external local, regional, or international networks and gateways. Networks may contain ATMs, POS devices or a combination of the two. Whatever marketplace demands exist, Gold-Net is flexible and scalable to fit any need. Optimal Performance with Speed, Security and Accuracy Gold-Net delivers optimal performance to improve efficiencies, cut costs, better manage operations, gain business insight and enhance your competitive advantage. It is a highly scalable with exceptional security and proven business resiliency. Gold-Net smoothly and quickly moves messages between modules with speed, security and accuracy. As measured by our annual benchmark, Gold-Net is able to send and receive more than 44 million transactions per hour with an average of 12,278 transactions per second and a peak volume of 20,050 transactions per second. This means that Gold-Net can easily meet even the highest demands whether managing transactions for a regional financial services organization or a large scale global processor.

7 POS Bank Solution Add Members and Build Your Offerings with Ease Enjoy Solution Options That Expand Your Offerings and Increase Your Membership as Much or as Little as You Like Participating clients can be easily added and certified to Gold-Net as your membership grows. From the foundational model of switching and routing to the full-blown model of offering any combination of device management, card management and numerous value-added services, Gold-Net allows you to create the strategy that works best for your organization in order to meet the needs of your members. As a further service to the network and your members, we offer a combination of Online Connection and ATM Management. This allows the network to extend its range of offerings, making the network more competitive in the marketplace. Comprehensive POS solutions are available through our POS Management and Debit Card Management systems. With POS Management, your network can support merchant POS terminals while growing the cardholder base and transaction volumes. Debit Card Management offers the ability to support, issue, manage and authorize check cards.

8 POS Bank Solution Gold-Net Gold-Net Options to Fit the Needs of Any Organization 1 Routing and Switching The base model of Gold-Net is the transaction gateway services to local and international networks. This is where you as the processor do not manage a card base or drive devices. As the processor in this model, your organization simply plays traffic cop in connecting participants and card associations. 2 Routing, Switching & Device Management The next model of Gold-Net builds on the routing and switching capability of model 1 by adding ATM and POS device driving. As the processor, your organization will continue to switch transactions to the bank for transaction approval, while also having the capability of driving ATM and/or POS devices on behalf of your member banks.

9 POS Bank Solution Gold-Net Options to Fit the Needs of Any Organization 3 Routing, Switching, Device Management and Card Management The third model of Gold-Net is the full-service bureau solution which builds on the first two models and adds the management of the customer card base for your member banks. This could be debit cards, credit cards or both. In this model, customer card data is maintained at your processor site and your organization handles card validations. If the transactions are debit card transaction, the authorization will be routed to wherever the core banking system is located. If your organization is a credit card processor, then there is no connection to a core banking system and you as the processor will handle the transaction approval or denial. 4 Additional Transaction Touch Points and Applications In addition to the three models of Gold- Net, you can also add various other applications such as bill pay, recharge, loyalty, Dynamic Currency Conversion, fraud monitoring and much more. As a credit card processor, your organization can utilize Euronet Software Solutions Integrated Credit Card System to fulfill the business functions of credit card processing such as card application processing, card issuance, card profiles, limits, billing, collections, and more. Our Integrated Credit Card System helps you to improve marketability, profitability and revenue potential across your card issuer operations. It allows you to develop and launch new card products, including EMV, more rapidly and effectively.

10 Why Partner with Euronet Software Solutions? Team of Experienced Professionals with Deep Understanding of the Processor Business We utilize our own proven and reliable software every day around the world and have a comprehensive understanding of the payments business that will be advantageous to you as our customer. Utilizing industry standards to enhance security, reduce costs and create an enduring business model, our continual investment in solution development ensures continued long-term growth. We have a dedicated and experienced product management team that steers our product direction and long-term vision with emphasis on the consumer experience, innovation, expansion into alternative markets, and deriving operation improvements without compromising security and compliance. Quality Solutions with Continued Investment and Direction We continually invest in and explore new ways to service and expand the quality of our solutions. Strategic and thought leadership along with ongoing research and development investment create a competitive advantage for innovative solutions for all of our clients. Gold-Net With Euronet Software Solutions as your partner, you have the unique opportunity to benefit from and leverage our more than 35 years of expertise and knowledge as both a solutions provider and network processor. Our proven solutions are designed to deliver effective management and superior control of your issuing and acquiring business.

11 POS Bank Solution Here s How Our Clients Around the World Are Using Gold-Net A Euronet Software Solutions Client in the MIDDLE EAST A Euronet Software Solutions customer since 2002 The largest third party processor in its region specializing in card issuing, POS acquiring and ATM driving Provides EFT services using Euronet Software Solutions ITM solution to 13 banks driving approximately 800 ATMs and 10,000 POS devices. This processor currently issues approximately 600,000 debit and credit cards, both Visa and MasterCard, on its systems We assist banks in meeting the needs of customers for world-class convenience and greater access to bank accounts through efficient EFT processing. Our partnership with Euronet supports our successes and our mission to continue to be the leading service provider of payment products and services in the region. We achieve this by investing in cutting edge technology and ensuring an extensive and diverse range of products and services. Euronet Gold-Net Client

12 POS Bank Solution Gold-Net Here s How Our Clients Around the World Are Using Gold-Net A Euronet Software Solutions Client in SOUTH AMERICA Provides ATM and POS Switching, and Recharge for 8 banks Processing since 2004 This organization s Gold-Net model allows member banks to acquire transactions for the other participant bank cardholders, thereby, increasing the accessibility to electronic banking to a larger segment of the area s population The implementation of this switch was very important to the future of banking in this region. It has positioned the area for growth and expansion of the services offered to incountry cardholders and visitors. The solution has opened the door for electronic commerce, the result of which will wean the country from being a heavily cash oriented society. Our solution resides on System i using Euronet s ITM transaction base. Since all banks in this region use this type of hardware, the learning curve was easy. The Gold-Net solution was flawlessly implemented and has worked well ever since, which is a testimony to the robustness of the software and platform. Adding new participants over the years has been a breeze and was done without the assistance of Euronet, a measure which has saved us money. Transaction volumes have far exceeded expectations with regard to switching and generating good revenue. Euronet has always been helpful and ready to assist. We will be examining our future needs, and we are looking to do more business with Euronet because of their diverse product suite. Euronet Gold-Net Client

13 POS Bank Solution Here s How Our Clients Around the World Are Using Gold-Net Euronet Utilizes its Own Software to Process Payments Around the World Euronet itself is a network processor utilizing its own solutions. We currently partner with approximately 115 banks and card organizations, including multinational clients, to provide comprehensive electronic solutions including ATM network participation, outsourced ATM and POS management solutions, cross-border transaction processing services, credit and debit card issuing and acquiring services and a suite of integrated software solutions for electronic payment, merchant acquiring and card issuing and transaction delivery systems. We own and operate transaction processing centers in Hungary, India, Pakistan and China. Network participation services are available on our Independent ATM Networks (also called Shared Networks) in Poland, Germany, Czech Republic, Ukraine, Bulgaria, Romania, Greece, Croatia, India and Egypt. We leverage our own ITM system to issue: MasterCard and Visa, proprietary, Debit, Credit, Prepaid and Contactless cards both mag-stripe and EMV. We use ITM to acquire transactions on ATM, POS using IMS to manage merchant relationship and payments, Internet and mobile phone. Our issuer and acquirer interfaces connect to: Visa, MasterCard, AMEX, CUP, JCB, Diners, Pulse, Citishare National and regional switches Bank s issuer systems so that transactions acquired on Euronet-driven devices are routed directly to the issuer rather than through Visa, MasterCard, etc. We support the following transactions: Bill Payment (registered and unregistered) Ticket/coupon dispensing Recharge CRM Card-based and cardless remittance Fraud monitoring services Loyalty Dynamic currency conversion on ATM and POS Digital content deployment

14 Become a Processor Providing Authorization, Clearing, Settlement Services and a Global Link for Member Participants Contact Us Today Overall, Gold-Net offers the proper mix of features and offerings that are essential for successful network operations. Automated functionality helps keep staffing costs down and consistent quality operations up. Expandable architecture and design allow Gold-Net to grow with your businesses and to adapt for special considerations as they arise. Contact Euronet Software Solutions today to become a processor using our Gold-Net solution. 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. For more information about our Gold-Net, or about our many other solutions for ebanking, Card Issuing, Self-Service and Card Associations, contact your Euronet Software Solutions account representative or us at sales@eeft.com. Visit us online at

15 Euronet Software Solutions the Best Choice for Superior Solutions Worldwide Trusted and Reliable Leader in Electronics Payments Euronet Software Solutions, a division of Euronet Worldwide, is recognized around the world as an industry leader in providing one of the most comprehensive, fully integrated electronic financial transaction solution suites available on the market today. 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 of all sizes. From small, local banks to large multinational organizations, we have solutions to help our customers be profitable and competitive while meeting the demanding and ever-growing needs of customers around the world. We enable our clients to deliver secure electronic payment convenience to millions of people around the world Contact us today for any of your electronic payments needs Euronet Software Solutions Chenal Parkway, Suite 200, Little Rock, AR, euronetsoftwaresolutions@eeft.com Global Presence of Euronet Worldwide Serving customers in 150 countries 49 Worldwide Offices 3,900 Employees 11 Processing Centers 17,600 ATMs 686,000 POS Terminals 516,000 Retailer Locations Billion Transactions Processed in 2012 $1.267 Billion Revenue in 2012

16 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. April 2013