Euronet’s eBanking Solutions for Mobile, Internet and Telephone

Enable Self Service with Secure Anytime, Anyplace Access for Your Customers

Secure Financial TranSacTionS – any Time, any Place

GLOBAL PROVIDER FOR ALL OF YOUR PAYMENT PROCESSING NEEDS

Euronet is recognized around the world as an industry leader for providing one of the most comprehensive, fully integrated electronic financial transaction solution suites available in the market today. Our integrated software solutions are at the core of our payments hub architecture.

Our software solutions have been installed more than 300 times in over 70 countries, and provide substantial reduction in the overhead costs associated with managing multiple delivery systems and vendor interfaces. Euronet’s software solutions are multi-currency and multi-language capable which provide the flexibility your organization needs to expand service offerings into additional customer delivery channels without reconfiguring or relicensing the technology.

Complementing over 30 corporate locations worldwide, Euronet’s Software Division is headquartered in Little Rock, Arkansas, with offices in Egypt, Greece, Hungary, Miami, New Zealand, Orlando, Portugal, Sri Lanka and the United Kingdom. Euronet 17300 Chenal Parkway, Suite 200Little Rock, Arkansas 72223 501-218-7300

eBanking Solutions

Secure Financial TranSacTionS – any Time, any Place

In today’s fast-paced and high-tech world, your customers expect to have quick, easy and secure access to their finances anytime and anyplace from the device of their choice. To compete, financial services organizations must differentiate themselves by delivering cost-effective services with variety and consistency.

With Euronet’s integrated, multi-channel suite of software products for mobile, Internet and telephone (Interactive Voice Response) banking – you can exceed your customers’ expectations by offering them exactly what they want, when they want it and how they want it.

Euronet’s solutions allow you to provide the benefit of choice to your customers. Every solution in our eBanking product suite provides its own unique characteristics to accommodate the needs and preferences of your wide customer base. From performing balance

inquiries and account transactions to making online payments, your customers will enjoy the experience and convenience of anytime, anyplace banking from their mobile phone, Internet and/or telephone.

While serving the distinct needs of your individual customers, you can rely on Euronet’s more than 35 years of experience to deliver streamlined and efficient solutions that are easy to deploy and offer the richest possible functionality. Our solutions will help you strengthen your multi-channel strategy, decrease fraud, attract and retain customers, ensure optimum customer loyalty and maximize your cross-selling opportunities – all at a lower cost than customers visiting your branch. In addition, with Euronet’s eBanking suite of products, you will enjoy high flexibility for customization, robust security features and a browser-based user interface providing a complete, single and unified view

of your customers and their many relationships with your organization across all channels, all of the time.

EASY AND COST-EFFECTIVE INTEGRATION

Euronet provides a robust and cost-effective architecture that allows for rapid implementation of its eBanking solutions directly into Euronet’s Integrated Transaction Management® (ITM) environment. While ITM ensures absolute consistency and control across multiple customer touch points, our payments hub architecture creates an environment that blends your technology and business processes resulting in reduced risks and simplified systems. By utilizing a service-oriented architecture (SOA) and Web Services channels with reusable service layers and components, you will benefit from streamlined processing, easier access to information and easy connection to third-party vendors.

EURONET’S eBANKING SOLUTIONS PROVIDE BENEFITS FOR YOU AND YOUR CUSTOMERS

“We believe the rise of next-

generation mobile banking and

payment solutions will forever

change banks and payments

companies. Mobility has the

potential to enable timely,

relevant, and actionable out-

reach that will ignite customer

engagement unlike any other

channel. Ultimately, TowerGroup

expects mobile phones will

do for financial services what

Apple iPods did for music - spur

a sea of change in the way

consumers access services and

suppliers deliver them.”

- Virginia Garcia, TowerGroup

Research Operations Director,

Cross-Industry

eBanking Solutions

Be Competitive in Growing Market with Global Demand

Over the last few years, the mobile and wireless market has been one of the fastest growing markets in the world and it is still growing at a rapid pace. According to industry statistics, more than two-thirds of the world’s population use a mobile phone; global user numbers passed the four billion mark in 2009 with continued strong growth in newly industrialized countries. Demand for mobile data is booming across the world.

The ability for customers to interact with their financial services organization anytime and anyplace using their mobile phone has emerged as an essential service. For consumers, mobile phones have become indispensable tools that keep them organized and informed.

With Euronet’s Next Generation Mobile Banking Solution, you can provide your customers with the secure mobile services they demand. Services that allow them to easily and conveniently transfer funds, receive text message alerts for transaction activity, check account balances and more. In addition, Euronet’s Mobile Banking Solution can provide the way of the future allowing your organization to grow with the evolution of this exciting technology and your customers’ needs.

Meet Your Customers’ Mobile Banking Needs

With more than a decade of experience in the mobile banking arena, Euronet will be your trusted advisor and help you take advantage of this emerging market now with a strategy that will grow with your organization. From account inquiry information and fraud alerts to account payment and marketing offers, Euronet provides a wide array of customizable solutions to meet your customer’s mobile needs.

6 of the Many Benefits of Euronet’s Next Generation Mobile Banking Solution:

• Improved Security and Decreased Fraud• Reduced Expenses for Call Center Operations• Improved Customer Communications • Increased Customer Satisfaction• Increased Awareness of Account Activity• Reduced Carbon Footprint

EURONET NEXT GENERATION MOBILE BANKING

Secure Financial TranSacTionS – any Time, any Place

Euronet’s Experience in Mobile Banking Dates Back to More

than Ten Years Ago

Euronet was one of the first software companies to bring mobile banking technology to the market in the late 1990s. Our innovative team of developers and product managers had the foresight to recognize the value, convenience and overall significance that mobile banking would have in the lives of consumers and in the business of banking. We introduced our first version of mobile banking software before mobile banking became mainstream.

Since then, we have continued to develop and evolve the product into its current state of enhanced functionality and capabilities. With improvements in mobile phone technology, and explosive growth and consumer adaptation, the ability to provide greater functionality and expanded services is in place like never before.

Euronet proudly offers its Next Generation Mobile Banking software; a solid and integrated solution that our customers can rely upon with the backing of an experienced and knowledgeable partner, and the depth and breadth of a product with more than 10 years of technological advancement.

eBanking Solutions

Gain Significant Market Advantage with Internet Banking

According to a report by Global Industry Analysts, Inc., the global customer base for Internet banking is projected to reach 657.2 million by the year 2015, driven primarily by the increasing adoption of Internet technology and the expanding Internet user base.

Rising demand for online banking services from developing economies and the growing acceptance among younger, technologically aware consumers for daily banking needs are anticipated to boost the Internet banking market.

Euronet’s Internet Banking Solution can help you gain a significant market advantage by acquiring and retaining the most desirable and profitable customers in your market. The cost savings you see — along with the opportunity to generate new revenue — make Internet banking a strategic product offering for your organization.

Generate More Revenue and Build Loyalty

Around the world, financial services organizations are reducing costs, generating more revenue, building loyalty and improving the customer experience with Euronet’s state-of-the-art, complete browser-based Internet Banking Solution. Providing 24-hour, 7-day-a-week access to banking accounts, this solution will enable your customers to perform a multitude of services including view account balances and transaction history, transfer funds, request statements, stop payment on one or many checks and pay bills online using Euronet’s bill payment module.

Euronet’s Internet Banking Solution is a powerful tool for communicating with your customers and attracting new ones. The convenient bank mail feature provides a channel for customers to communicate with you according to their schedule, any time from any location. While enhancing customer relations, Euronet’s Internet Banking Solution also supports your business growth. It puts you directly into e-commerce, providing one of the most cost-effective and efficient ways to promote your products and services to prospective and current customers.

EURONET INTERNET BANKING

Secure Financial TranSacTionS – any Time, any Place

eBanking Solutions

Enjoy a Flexible, Dependable and Cost-Effective Solution

Euronet’s Telephone Banking Solution offers technology that is flexible, dependable, and cost effective. It also offers you the option of deploying Euronet’s other solutions such as ATM/POS driving, Card Issuing, Internet Banking and Mobile Banking as a multi-module facility within a single, integrated processing environment. This arrangement allows your organization to realize significant cost and time efficiencies through the sharing of computer and communication equipment, as well as the elimination of duplicate expenses in the areas of technical training and equipment maintenance.

With Euronet Telephone Banking, your customers can access their personal account information, transfer money between their accounts, and even pay bills using Euronet’s bill payment module during a single telephone call. This powerful interactive voice response system provides an easy-to-follow menu system that guides your customers through their banking activities.

Providing this on-demand customer service method will increase your customers’ overall satisfaction while decreasing the direct and indirect costs of servicing your customers. In addition, telephone banking frees up your customer services resources to focus on more complex customer issues and projects.

EURONET TELEPHONE BANKING

Banking by telephone remains a crucial channel, and is a major consideration

for banks wishing to provide additional convenience to their customers and

reduce costly branch visits and call center traffic.

Secure Financial TranSacTionS – any Time, any Place

eBanking Solutions

Secure Financial TranSacTionS – any Time, any Place

eBanking Solutions

CHOOSE EURONET AS YOUR TRUSTED PARTNER

Through combined expertise in terminal driving, transaction switching, processing and software development, Euronet delivers more types of integrated transaction and payment solutions than ever before. 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.

With Euronet, you benefit from more than 35 years of diverse payments experience and gain a focused partnership with an industry leading, financially sound, global organization.

Make the smart choice by choosing Euronet – an organization uniquely positioned to meet your diverse needs - any time, any place.

CONTACT US For more information about Euronet’s eBanking Solutions, or about Euronet’s Card Issuing, Self-Service and Card Association Solutions, contact your Euronet account representative or email us at sales@eeft.com.

Card Issuing Solutions• ATM Card Issuing• Credit Card Issuing• Debit Card Issuing• Prepaid Card Issuing• Contactless Card Support• Chip Card (EMV) Support

Self-Service Solutions• ATM Device Driving• POS Device Driving

eBanking Solutions• Telephone Banking• Internet Banking• Mobile Banking

Card Association Payment Solutions• International EFT Network Interface

American Express China Union PayDiscover JCB

MasterCard Visa • Regional EFT Network Interface• Proprietary EFT Network Interface

Value-Add Offerings• Dynamic Currency Conversion • Customer Relationship Mgmt • Bill Payment • Alerts and Notifications • Recharge • Remittance / Money Transfer Payout

Back-Office Processing Solutions• Credit Card Management• Merchant Acquiring• Shared-Network Processor

Professional Services• Project Consulting• Project Management• Solution Delivery• Training• Customer Support

EURONET’S PAYMENT SOFTWARE SOLUTIONS

Copyright © 2010 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.

September 2010 v. 4.3