with CO-OP Total Revelation.

CO-OP Total Revelation Understand and influence debit behavior with CO-OP Total Revelation. Improve the profitability of your debit and ATM portfolios by uncovering hidden opportunities right in your own backyard. In today s hypercompetitive financial landscape, with credit unions looking to generate organic growth and attract new members, understanding and influencing cardholder behavior is essential. CO-OP Total Revelation is the market-leading weapon that arms your credit union with the tools to do just that: maximize your debit portfolio by turning debit transaction and terminal data into actionable, profitability-boosting programs. Starting with executive-level summary reports, and full transaction data analytical tools, through outsourced consultation expertise, CO-OP Total Revelation provides you with a complete solution to increase profitability and fight fraud. What s in it for You Intuitive and easy to implement, CO-OP Total Revelation empowers you to better understand and analyze your card and terminal transactions so you can increase your profitability. Make more informed marketing decisions backed by an in-depth understanding of your members behavior and demographics Lower fraud losses by identifying fraud patterns and vulnerabilities down to the transaction-level in minutes rather than hours Save your staff hours of labor to create management reports with one-click Revelation Reports that include issuer and acquirer data See how non-members, as well as members, use your ATMs, so you can best plan ATM sites and promotion to maximize revenue Eliminate the need for in-house software maintenance with Internet-accessible software maintained by CO-OP Understand exactly where you stand with peer-to-peer and customized benchmarking Receive expert recommendations on how to turn around below-average performance Save marketing costs and resources with turnkey marketing campaigns tailored to your members transaction behaviors Gain industry expertise with full service consulting and analysis What s in it Choose from three levels of service for the solution that best addresses your debit portfolio challenges. Revelation Reports Summarize key stats and trends with pre-built, one-click reports 13 issuer and 7 acquirer suitable for Board/Leadership analysis of your portfolio Communicate with clear, compelling charts and graphs Customize reports with a wide range of variables, including year-over-year comparison Includes both print and export capabilities Revelation Analytics Perform sophisticated data analysis capabilities Access merchant, card, ATM acquirer and cardholder demographic data Receive portfolio alerts and recommendations specific to your portfolio Easily deploy and manage targeted marketing campaigns, including profitability analysis Gain added clarity and insight with peer-to-peer benchmarking Revelation Consultation A complete outsourced solution to maximize your portfolio starting with a portfolio review Leverage CO-OP s expertise Execute fully managed marketing campaigns with CO-OP Preferred Receive customized support, benchmarking, analysis and training Outsource your monthly Board of Directors support Receive a Durbin Impact Analysis

CO-OP Total Revelation Challenges & Solutions Your Challenges CO-OP Total Revelation Solutions I want easy-to-use management reports suitable for Board/Leadership analysis of my portfolio. Revelation Reports includes pre-built executivelevel summary reports available from an intuitive, dashboard interface. I want to increase my signature transactions. CO-OP Total Revelation s unique portfolio recommendation tool mines your transaction data for ways to increase volume. I want to measure the value of each network I participate in, and the income/profitability of each ATM in my fleet. Determine the value of transactions at each of the networks and at each of your ATMs with acquirer data. I want to better manage fraud. Find your points of compromise and zero in on transactions for an individual card, a BIN or the portfolio as a whole. I want to educate my members on how and where to use my card products. Determine gaps that you can address in member communications once you re armed with actionable merchant and card data. I need help to interpret data, manage my portfolio, and determine what actions are available to me based on member behavior. Uncover hidden opportunities from issuer and acquirer transaction data to increase your debit and ATM portfolios with Revelation Analytics. I want to run targeted marketing campaigns based on cardholder behavior, but I don t have the in-house resources. Get the results you need without having to develop programs in-house with CO-OP Preferred turnkey marketing solutions. I need to address the impact of new legislation and regulatory changes on my bottom-line. Gain customized analyses and recommendations for your portfolio, such as a Durbin Impact Analysis, with Revelation Consultation combined with Revelation Analytics. I want to understand profitability trending, such as lower interchange this quarter versus last. Utilize trending reports, portfolio alerts and benchmarking to quickly see what needs to be addressed and take action. To begin unlocking the full potential of your debit portfolio today, contact 800-782-9042, option 2 or send an email to sales@co-opfs.org CO-OP Financial Services 9692 Haven Avenue Rancho Cucamonga, CA 91730 CO-OPFS.ORG PP-v1.4-01282013 2013 CO-OP Financial Services

CO OP Total Revelation Frequently Asked Questions What is CO OP Total Revelation? Total Revelation is three products in one. It is a powerful data warehousing and portfolio optimization tool that provides reports, analytics and consulting services. What are the three levels? Reports (Level 1) is the module of CO OP Total Revelation that provides dynamic executive-ready reports and gives you the flexibility to focus on what is happening with your debit portfolio, rather than on figuring out how to run a report. Revelation Reports also gives you access to transaction data searches by card, transaction type, network, terminal, or merchant. Analytics (Level 2) allows you to: segment your ATM and debit portfolio, gain insight into which members use their cards and how, combine demographic information with transactional information, benchmark your credit union against its peers, get alerts on key measures as well as recommendations, run profitability modeling, manage marketing campaigns and use its deep data mining capabilities to help identify fraud trends. Consultation (Level 3) is a very personalized full service option for those clients who want CO OP to manage and implement their debit optimization strategies for them. It includes consulting, analysis, campaign management and implementation. What is CO OP Total Revelation Reports? Revelation Reports provide executive-ready reports as well as data search capabilities. The pre-built reports are available in one easy view. Thirteen issuing reports summarizing the most widely used debit information, plus seven ATM acquiring reports, make it easier and quicker to see what is happening in your debit card and ATM portfolio. The report names are in a navigation bar on the left making it easy to quickly obtain the information you need. The user interface is simple to use. Now you can just point and click to get the information you need. Navigating through the new options is simple and intuitive. Information is presented in meaningful graphs and tables. Pulling reports for presentations or reporting just got easier. Revelation Reports presents these summary reports in easy-to-export charts or tables. Or you can see at glance how your portfolio is trending. View year-over-year comparison. Wondering how your signature/pin split compares to the same period last year? Revelation Reports offers a compare option that allows you to do just that. Now you can easily see if your initiatives in the last year were successful or what behavioral changes are affecting your portfolio. CO OP Total Revelation

CO OP Total Revelation FAQ Continued Choose your own time frame. Want to see the top merchant categories for the last quarter instead of the last month? A simple drop down menu allows you to look at any of the thirteen reports in different timeframes. Reports by BIN. You can construct any of the reports by BIN(s) with one click of your mouse. Create charts using different parameters. You can change the metrics of the reports to show the data by spend, volume, interchange or surcharge. Change the chart format. In many of the reports, you can change the format to one that is more illustrative of your results or needs. Online help. Help is now available within the application itself. Just click on the icon for a description of the report and how to make any changes in the metrics, views or any other option within each report. What is CO OP Total Revelation Analytics? Analytics is composed of many different modules, each with different capabilities. Portfolio Analytics uses cardholder data from your CAF which is imported to Total Revelation in addition to the transaction data included with Reports. This allows you to do further segmentation, making use of more detailed demographic information. Portfolio Analytics also enables you to customize groups so you can analyze specific segments on an ongoing basis. With access to both cardholder and transaction data, you can easily see, at a very detailed level, which members use their cards and how. With this insight, you can develop marketing strategies that drive usage and increase revenue. Fighting fraud is easier when you know what the fraudsters are doing. Total Revelation enables you to search for small dollar test merchants. You can find the test transactions and block the card prior to the true counterfeit fraud being attempted on the card. And finding a point of compromise can take you minutes instead of hours. Benchmarking measures your performance against industry averages. Logging in will give you a quick report card that gives you a thumbs up or thumbs down on 24 different measures. Find out if you are best in class and where you rank compared to other CO OP credit unions. From the report card you can drill down to see all benchmarks for your portfolio and change which transactions to rank and the time period. Business Analytics provides marketing campaign management and profitability modeling module. Total Revelation has tools to help you manage your marketing campaigns, assess profitability and create customized profitability modeling. You can easily choose your target segment, download your mailing list and track your results and profitability. You can let CO OP manage your marketing campaigns through one of our targeted turnkey marketing campaigns, called CO OP Preferred, or Consultation Services can build your profitability modeling for you. Portfolio Advisor provides automated portfolio recommendations specific to your data and cardholders. It uses a newly built algorithm that identifies areas of opportunity for you and provides recommendations for how to grow your portfolio. These alerts can be set up as a checklist of triggers that can be configured to meet the needs of the situation. For example, there is an alert that can tell you when your signature usage has dropped below a certain threshold. The report card on your home page shows the number of new or unread alerts that have triggered since the last time the user logged in. Each alert also comes with a recommendation on possible actions to take. ATM Acquiring Analytics. Total Revelation has proven its value in analyzing issuer card activity and behavior. Now, CO OP also has ATM acquirer data automatically imported into Revelation allowing you to: Plan ATM site selection and placement strategy armed with information on which ATMs are used most by the credit union members Identify which functionality is most profitable for which ATMs (e.g., cash withdrawals, etc.) Analyze surcharge and interchange revenue with trending comparisons of the credit union s cardholder users vs. foreign users Determine profitability of each network with a breakdown of transaction type and volume by network What is CO OP Total Revelation Consultation? Consultation is a complete outsourced solution to maximize your portfolio your on-call debit consultant. Consultation leverages CO OP s expertise to determine cardholder segmentation strategies and analyze profit. Services include things like: Execution of fully managed marketing campaigns with CO OP Preferred or creation and running of a custom campaign by CO OP Monthly Board of Directors support Portfolio review CO OP Total Revelation

CO OP Total Revelation FAQ Continued Durbin Impact Study Customized peer-to-peer benchmarking, analysis and training Expert guidance Custom professional services How does Total Revelation get the data? Total Revelation receives its data from two full extract files of actual processing history. Daily transaction data is provided as an extract from the daily settlement files. For Analytics, a monthly extract of the cardholder file provides the demographic information. Because data is imported for the previous settlement date, Total Revelation data is not a real-time view. Transaction counts and totals should match your Daily Cardholder Activity report. However, there may be slight discrepancies for reversals whose original transaction could not be matched in the same settlement day. Keep in mind that Total Revelation is an analytics tool and is not intended for use in balancing or settlement. Are foreign transactions acquired at our terminals included in the data? Yes, if CO OP drives your terminals. Total Revelation gives you a complete picture of your ATM and debit portfolio, allowing you to see trending of your users vs. foreign users to analyze surcharge and interchange revenue by ATM. What kind of implementation process is required? Simple set up of your institution and user IDs is done by CO OP. No investment in infrastructure or software is needed. If your credit union does not currently subscribe, you should sign up through the Extranet by completing a service request to add Revelation Reports, Analytics or Consultation. How is Total Revelation used for marketing products? With Total Revelation, you can target specific audiences, enter campaign information and measure results. The customized card groups you set up can be used to track usage, provide incentives and generate mailing lists. CO OP Preferred, CO OP s targeted fully managed marketing campaigns, uses Total Revelation to create marketing campaigns that you can implement with almost no effort on your part. Or you can use Revelation Consultation to create and manage a custom campaign. Can I find information about an individual cardholder? Yes. Total Revelation includes a card search function that quickly leads you to the transaction data for an individual card. The demographic information associated with the card record is populated only at the Analytics level and is dependent on the data provided in your cardholder account file. Can Total Revelation help us with fraud and risk management? Yes. With Total Revelation, it is very easy to zero in on transactions performed at specific merchants or by specific cardholders if such analysis is required to investigate potential fraud or breaches. Finding a point-of-compromise will take you only minutes instead of hours or days. Can I manipulate the data I find? Yes, you can download the resulting transaction data from searches into an Excel spreadsheet where you can manipulate for further analysis and/or export to PDF or PPT format. Does Total Revelation show card and/or ATM profitability? Yes, the Business Analytics module can show you the financial impacts of how cards are used. You can set up profitability calculations based on card usage and get interchange estimates to help you see the important factors driving your bottom-line profit. Total Revelation can also assist you in determining profitability of your ATMs, by identifying the types of transactions at each terminal as well as surcharge and estimated interchange by ATM. Does Total Revelation allow you to search for specific information? Yes, you can search the data in many ways using a wide variety of criteria. You can easily view totals by transaction type, network, terminal and merchant. You can drill down to examine individual transaction detail, and display the data using a variety of time intervals. Can we set up different alerts for different users within the credit union? Yes, users can choose which alerts they receive. For example, the Fraud department can choose the alert that identifies when any merchant increases by X% of cards this month vs. last; while the debit card manager may have the Low Signature Alert turned on. CO OP Total Revelation

CO OP Total Revelation FAQ Continued Who is the credit union benchmarked against? Benchmarking compares the individual credit union to all CO OP credit unions loaded into Total Revelation. All of CO OP s signature debit clients and some PIN only clients are in the database. Most other industry benchmarks are based on much smaller populations and often self reported data. This benchmarking is against actual transaction data and updated each month. How does Total Revelation calculate interchange? Total Revelation s interchange totals represent estimated amounts. The rates are based on published rates, generally using the lowest tier if tiers exist, or a blended rate for on-premise and off-premise if a representative proportion can be determined. This will not exactly match your monthly fee billing report. However, in a test comparison of the actual interchange to the estimated interchange, the result was generally within plus or minus 10% of actual. Where can a credit union get a demo or training? Credit unions can access a Webinar recording in the Extranet library. Online help is available in Reports and user guides are available. Can Total Revelation be used for required reporting needs? Yes, if the reporting need relates to transaction counts and amounts, Total Revelation is a good source. For example, quarterly reports often require you to provide the number of POS signature transactions performed for a specific network and the number of unique cards that performed those transactions. This information is available in Total Revelation. If the reporting need relates to interchange income, it is best to use fee billing reports since Total Revelation interchange income is calculated and not based on information passed in the transaction. For more information or a demo, contact your National Relationship Manager. CO OP Financial Services 9692 Haven Avenue Rancho Cucamonga, CA 91730 CO OPFS.ORG CO OP Real-time Total Revelation Falcon PP-v1.1-08302011 2011 CO OP Financial Services

CO-OP Total Revelation Product Profile CO-OP Total Revelation: Product Prof ile Understand. Influence. Maximize. CO-OP Total Revelation is the newly-redesigned, industry-leading portfolio management tool that helps you boost profitability by gaining unprecedented clarity. Analyze transactions across a range of criteria to discover hidden opportunities, and spot security vulnerabilities. Then, develop and deploy targeted marketing campaigns to maximize your portfolio. Total Revelation features three product levels: Revelation Revelation 1 Reports 2 Analytics 3 Revelation Consultation Match your credit union s specific needs to the level that will help you achieve portfolio maximization. 1 Revelation Reports What It Lets You Do Create robust, summary management reports suitable for Board/Leadership analysis Make better assessments of your portfolio s performance to help increase profitability Save time and resources by reducing report production time What It Includes Intuitive, point-and-click interface featuring 13 pre-built issuer and 7 acquirer management reports Easy to export charts and tables Online help available within the application Ability to choose many variables, including: o Timeframe o Spend, Volume, Interchange, Surcharge o Comparison to previous month or year o Chart Type Pie, Bar, Column Simply point-and-click on one of the 13 reports in the left-hand navigation bar. Options display transaction details and give you the ability to customize with different parameters.

CO-OP Total Revelation Product Profile 2 REVELATION ANALYTICS Adds all these capabilities to all the features of Revelation Reports What It Lets You Do Perform sophisticated issuer and acquirer data analyses with industry-leading accuracy and flexibility Develop targeted marketing programs Drive issuer and acquirer performance efficiently and cost-effectively Measure the profitability of different networks you participate in Compare your performance to your peers What It Includes Portfolio Analytics o Powerful card program analytics o Complete cardholder demographics, debit and ATM transaction data o Information on demand without IT involvement o Web-based software maintained for you, with no in-house maintenance needs Benchmarking o Monthly analyses based on a pre-defined set of 24 benchmark metrics o Ability to drill-down within benchmark metrics to compare by transaction type and time period o Ability to change transactions to rank by time period Business Analytics o Full marketing campaign development and implementation o Customized profitability modeling to measure ROI on marketing campaigns, plus profitability of portfolio Portfolio Alerts o Pre-set alerts you can turn on and off o Flexibility to set your own thresholds o Warning alerts for risky or undesired behaviors ATM Acquiring Analytics o Automatic import of your ATM acquirer data into Total Revelation o Analyze surcharge and interchange revenue of your cardholder users vs. foreign users o Determine the profitabilty of each network, plus much more Compare to your peers for a framework to develop your action plan to build portfolio performance.

CO-OP Total Revelation Product Profile 3 REVELATION CONSULTATION Adds all these capabilities to all the features of Revelation Analytics What It Does For You Benefit from the expertise and resources of a completely outsourced solution. Your partners at CO-OP work with your credit union to determine cardholder segmentation strategies, build profitability analyses, and develop and manage marketing campaigns. With this solution, you alleviate in-house staffing and management resources. What It Includes Individualized Training Age/Demographic Analysis Portfolio Review Custom Fraud/Transaction Analysis Peer-to-Peer Benchmarking Profitability Analysis Network Analysis New Product Analysis Interchange Analysis Custom Card Analysis Turnkey Marketing Campaigns via CO-OP Preferred Other services as called for by market or industry events or trends CO-OP Preferred offers targeted, turnkey advertising. To begin unlocking the full potential of your card portfolio today, contact us at 800.782.9042, option 2, or send an email to sales@co-opfs.org. CO-OP Financial Services 9692 Haven Avenue Rancho Cucamonga, CA 91730 CO-OPFS.ORG PP-v1.3-10092012 2012 CO-OP Financial Services