Bankcard Management Software From CoreCard Software, Inc.

CoreISSUE FOR BANKCARDS IS A SOLUTION THAT WORKS FOR TODAY’S CARD ISSUER CoreISSUE, configured for Bankcards, manages and processes consumer and commercial bankcard accounts with support for Visa, MasterCard, Discover and American Express. CoreISSUE's Bankcard functionality supports: • Account & Product Setup and Management • Transaction Processing • Credit Management • Statement Processing • Clearing and Settlement • Exception Management • Reports • Customer Service • Web Self-Service • Multi-currency, Multi-language

CORECARD’S SUITE OF PRODUCTS PROVIDES ADDITIONAL BANKCARD FUNCTIONALITY CoreCard can provide a complete Bankcard solution by adding one or more of our other products that support transaction acquiring, dispute management, collections and sales. All of CoreCard’s products are built to leverage the power of the shared components found in CoreENGINE, its transaction processing platform. CoreACQUIRE • Merchant Account Management • Transaction Processing and Settlement • MasterCard/Visa/Private Label for Consumer, Fleet and

Commercial Card Schemes CoreDISPUTE • Disputes and Chargebacks • Predefined and User-defined Queues CoreCOLLECT • Champion/Challenger Recovery Strategies • Collections Automation CoreSALES • Commission Calculations for CSRs, Collectors and Merchant

Sales Reps

CARD PROCESSING – CONTINUES TO GROW Recent reports show that the United States is on the way to becoming a cashless society. A 2008 study of Consumer PaymentP references led by Hitachi Consulting found that 63 percent of all consumer purchases are made using electronic payment methods. It has been predicted that electronic payments will see an even greater spike once mobile payments usage gains consumer acceptance. Card providers and processors are asking themselves if their systems up to the challenge of handling not only the new programs that will be created, but the increased volumes predicted. TODAY’S PRESSURES DEMAND ATTENTION For many companies that are issuing and processing bankcards there are three overpowering pressures that are impacting their bottom line: • Staying in compliance with ever changing regulations • Retaining cardholders • Controlling processing costs How bankcard issuers and processors deal with all three issues can depend on the quality and cost of the card management solution they are using to manage their portfolio. CoreCard Software’s products are designed to meet these demands by being flexible and adaptable to allow for the constant changes in the marketplace and regulatory environment. COST SAVING BUILT INTO THE SOLUTION CoreCard’s unique approach in development separates commonly used cross platform technologies from the unique functional demands of the individual products. The benefit in this approach is lower overhead, as all of the common components, needed across applications, are available for shared usage to all CoreCard products. The end result is a significant reduction in the physical footprint in data processing centers, making CoreCard’s products less costly to operate and maintain. Many bankcard issuers rely on third party providers to manage their programs believing that it is beyond their capabilities or competency. This often leads to signing long term agreements that ultimately drain profitability out of the card program. At CoreCard there is a belief that managing a bankcard program should not be difficult or costly.

DEPLOYMENT OPTIONS DESIGNED TO SAVE MONEY CoreCard’s Bankcard Solution can be rapidly deployed by the customer at their site or hosted and managed by CoreCard. Either option yields costs far less than those typically associated with a traditional third party processing company.

Bankcard Management Software and Services from the Company that Knows Credit & Debit Card Processing Since 1984 CoreCard’s management team has been responsible for developing three of the most widely used card and accounts receivable management systems for the market, CardPac®, Vision21® and VisionPlus®. Never happy resting on past achievements, they leveraged their decades of industry and product knowledge to build CoreCard’s account management system designed to support Bankcard processing. To learn how CoreCard can reduce costs and help manage your Bankcard portfolios, call +1-770-564-8000.

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For the most current information on supported components, please request CoreCard’s Technology Guidelines.

USA Corporate Headquarters CoreCard Software, Inc. One Meca Way Norcross, GA 30093 USA +1-770-564-8000

ROMANIA CoreCard Software SRL Development Center 1 Decembrie no 56 Timisoara 300592 Romania +40-788-431016

INDIA ISC Software Pvt. Ltd. Development Center IT Plaza E-8 Gulmohar Bhopal, India 462039 +91-755-329-2414

Technical Requirements Overview

Operating Systems

Microsoft Windows

Database

Microsoft SQL Server

Oracle

Hardware

Intel-PCs and Servers

Supported Interfaces

TCP/IP

SNMP

Host Connectivity

MSMQ

ISO 8583

XML

SMTP

HTTP

All features and specifications are subject to change without notice. VisionPlus, CardPac and VISION21 are registered trademarks of First Data Corporation . CoreCard Software, the CoreCard logo, CoreENGINE, CoreISSUE, CoreCOLLECT,C oreDISPUTE, CoreACQUIRE and CoreSALES are either registered trademarks or trademarks of CoreCard Software, Inc.

www.corecard.com/Bankcards.html

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