CO-OP Prepaid Cards. Give your members options.

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1 CO-OP Prepaid Cards Give your members options. Strengthen loyalty...decrease attrition... improve service. Offer your members the convenience of prepaid cards. SM

2 CO-OP PREPAID CARDS Prepaid cards for travelers, youngsters and gift givers. CO-OP Prepaid Travel Cards Prepaid cards are one of the fastest-growing payment segments. Let CO-OP help you compete in the marketplace with your own prepaid program. CO-OP features a full suite of prepaid products: Travel, Youth, Gift, and Reloadable. The more cards you offer, the more opportunities for your members to turn to you instead of a bank. The cross-selling advantages are huge! We include literally everything you need to get started: plastics...activation...card packaging... transaction processing...reporting...member support...even turnkey marketing. Our tools and technology give you a competitive head start. Instead of managing the complexities of card processing, you can focus on your members. This prepaid option is designed to help travelers make purchases and obtain cash wherever they journey. These cards are perfect for those who don t want to carry large amounts of cash on the road. Travelers can make purchases everywhere MasterCard or Visa debit cards are accepted in stores, online or by phone. Cards can be reloaded in your credit union branches up to 23 times. Travelers have surcharge-free access to their money at 25,000 surcharge-free CO-OP Network ATMs Your members will feel safer knowing a CO-OP prepaid card is more secure than cash or travelers checks Spending and card balances can be tracked online Cardholders are protected against lost or stolen cards and unauthorized purchases Replacement card or cash is available within hours

3 CO-OP Prepaid Youth Cards CO-OP GiftCards CO-OP Reloadable Prepaid Cards If you re looking to build brand loyalty with an influential youth audience whose spending power increases with time, CO-OP has the answer. Our reloadable Prepaid Youth Card is a great way for parents to teach teens how to manage their spending. Young people under the age of 18 can use these cards to make purchases everywhere MasterCard or Visa debit cards are accepted, and get cash at any of CO-OP Network s 25,000 surcharge-free ATMs. Cardholders can only spend the amount that has been loaded to the card, which allows parents and guardians to teach budgeting skills without giving up financial control Cards can be reloaded, or direct deposit is available to replenish the card Balance updates are available 24/7 online or via the 800 number on the back of the card Parents can monitor spending online, and cards can be blocked if necessary GiftCards are perfect for almost every occasion because they re the present everyone loves to get. Make gift-giving simple for every member who walks through your door. Low initial investment and a short lead time Your branch staff can easily load any card value up to $500 online GiftCards can be used everywhere MasterCard or Visa debit cards are accepted Card recipients can check account balances online or via the 800 number on the back of the card Reloadable cards are great for people who don t like to carry cash and for folks on a budget because users can only spend the amount loaded on the card. Best of all, reloadable cards mean repeat visits to your credit union. You can also attract new members by offering reloadable prepaid cards to those who may not qualify for or want traditional credit union services. Over time, you may transition this audience to other standard credit union products. Reloadable cards can be used everywhere MasterCard or Visa debit cards are accepted Cardholders can get cash at any CO-OP Network surcharge-free ATM Convenient online tracking of account balances In-branch loading and reloading at values between $20 and $3,000 Once reloaded, cards are personalized Direct deposit is available Cards can be replaced if lost or stolen Users are protected against unauthorized purchases

4 BENEFITS COMPREHENSIVE PROGRAMS Prepaid Cards Are in Demand CONVENiENT Cards can be used everywhere MasterCard and Visa debit cards are accepted -- in stores, online or by phone Let CO-OP manage the details while you concentrate on your members. Our prepaid programs are simple to launch and include: Popular By offering members a variety of reloadable cards, you ll improve service, strengthen loyalty and reduce attrition Easy Members can buy prepaid cards from your credit union while conducting their business, instead of going elsewhere Program administration, including setup, sponsorship and issuing Payment processing and settlement directly to an account you designate for card loads Reports including account creation and activation, branch value loads, and user and branch sales summaries A simple web-based interface for branch staff to load value and activate cards at time of purchase A variety of plastic designs which can be branded with your logo Customizable marketing materials

5 Strengthen loyalty, decrease attrition and improve service. Get Prepaid Today. Call , Ext or us at CO-OP Financial Services 9692 Haven Avenue Rancho Cucamonga, CA