The plastic card is one of the primary financial delivery systems your member desires. If your members do not carry your credit union's credit or debit card, then they're carrying someone else's.

Your credit union has the power to offer the plastic programs your members want–through Credit Union Card Center.

Credit Union Card Center offers turn-key credit, debit and ATM card programs for Visa and MasterCard that include everything from issuing plastics to processing payments and handling member service aspects. No matter how large or small your credit union is, Credit Union Card Center makes offering credit, debit and ATM cards easy.

Credit Union Card Center's program provides credit unions access to expertise on Visa and MasterCard Programs, including:

• Plastics (design and issuance)
• Transaction authorizations
• Transaction account postings
• Cardholder statements (credit cards)
• Bond claim preparation
• Marketing assistance
• Payment processing
• Portfolio reporting
• Collections
• Internet access to account information (credit cards)
• Robust rewards program offering a comprehensive array of travel and merchandise
• Staff training
• Member services (24-hour audio response)

Credit Union Card Center provides the marketing tools to make your card products competitive: cash-back programs, skip-a-payment options, special rate promotions and travel accident insurance.

Credit Union Card Center's program is the best value. That’s why credit unions in Maryland, Kentucky, New York and more than 85 percent of Indiana's credit unions that offer credit cards are on Credit Union Card Center's card program.

For more information, please contact Ron Metsker at (800) 285-5300, ext. 5350.

Plastics Member Access Member Service Payment Processing Auto Payments Accounting and Reporting Training Bonus Points Program Cash Rebate Program Member Choice Rewards Program Convenience ChecksFree Travel/Accident Insurance Balance Consolidation Automated Custom Letters Customized PIN Credit Bureau Reporting Return Plastic Security Collection Services Over-Limit Monitoring Service Fraud Detection and CVV/CVC Card Activation Account Information e-Customer Service Credit Card Skip-a-Payment Pre-paid Card Products ATM/Debit Processing

Plastics
Through Credit Union Card Center, your credit union can issue attractive Visa and MasterCard cards that reinforce your relationship with your members every time they use their cards. You can choose from pre-designed plastics, customize your own card, offer cards with the cardholder's photo, or select the ultimate in affinity cards: a card that features your cardholder's favorite photograph– the family dog, the kids, the red sports car...

Soon – you’ll be able to establish different plastic selections to allow your members to choose the plastic they like.

Member Access
Credit Union Card Center's processing system is the largest in the world and uses the most advanced technology. Members can use their cards at any of the 20 million locations and 855,000 ATMs worldwide displaying the Visa or MasterCard brand.

Member Service
Credit Union Card Center's member service representatives operate by the People-Helping-People philosophy, just like your credit union. Based on parameters set by your credit union, member service representatives will answer questions and handle disputes courteously and in a timely manner. Your members can call toll-free from anywhere in the country. In addition, they can access account information 24 hours a day, seven days a week via Internet access or by using Credit Union Card Center's toll-free audio response system.

Payment Processing
Your members' payments come directly to a Post Office box held by Credit Union Card Center. The payments are picked up and posted to the members' accounts daily. Additional payment options include:

• Pay by phone
• Pay online

Auto Payments
Your members can have their monthly payments automatically deducted from their share draft or savings account. They can make a minimum payment, pay a fixed amount or pay the balance in full.

Accounting and Reporting
Daily, your credit union accesses transaction and portfolio activity reports, as well as a one-page summary of the accounting entries for the day via the Internet. At the end of the month, you will receive a one-page summary of profitability to help you monitor your program's performance.

Training
Credit Union Card Center provides training sessions throughout the year and hosts an annual Users Meeting. Credit Union Card Center also publishes the Operations Bulletin newsletter several times throughout the year.

Bonus Points Program
Credit Union Card Center's system allows your members to accumulate points based on purchase volume and other parameters you establish. You then can reward members for using their cards.

Cash Rebate Program
The cash rebate program rewards members with credits posted to their accounts on a monthly or annual basis based on purchase volume and other parameters you establish.

Member Choice Rewards Program
The Member Choice Rewards program is an air/merchandise reward fulfillment program and is available for both credit and debit card programs. Reward programs build loyalty and increase member usage. Points can be easily exchanged for airline tickets or other merchandise through the redemption center via a toll-free number or optional Website. In addition to seeing accrued points on their statements, your members may call the interactive voice response system, member service representative or Website to obtain their total accumulated points. The credit union needs only to direct them to the toll-free numbers or Website. It’s easy, creates no additional work for your staff, and your credit union members will appreciate this added feature and the rewards they can receive just by using their credit union card.

Convenience Checks
These checks provide another method for your members to access their line of credit.

Free Travel/Accident Insurance
Members buying travel tickets with your card are automatically covered with death and dismemberment insurance funded by Credit Union Card Center at no additional cost to your credit union.

Balance Consolidation
Balance consolidation enables you to transfer cardholders' balances from accounts with other lenders to their credit card account with your credit union.

Automated Custom Letters
Through your Product Control File, you can send customized letters to cardholders to automatically thank them for opening an account, to notify them of an increased line of credit, etc.

Customized PIN
Your members can change their personal identification number using a touch-tone phone.

Credit Bureau Reporting
At no additional expense, your card portfolio automatically reports monthly to the major credit bureaus.

Return Plastic Security
Using Credit Union Card Center's designated Post Office box, undeliverable plastics are returned to Credit Union Card Center for destruction and notification to the credit union at no additional cost.

Collection Services
Credit Union Card Center Collection Services can monitor daily delinquency reports and place collection calls. Credit Union Card Center begins working accounts that are 30 days delinquent by calling and writing members and using statement messages and notices. Your credit union can set the parameters for how an account is worked.

Over-Limit Monitoring Service
Credit Union Card Center can monitor over-limit reports and place appropriate restrictions on cardholders daily.

Fraud Detection and CVV/CVC
Credit Union Card Center uses a neural network that identifies card usage patterns that may suggest fraudulent activity. Credit Union Card Center monitors the alerts, attempts to contact cardholders to verify transactions and puts restrictions on accounts when necessary. Credit Union Card Center also uses CVV (Visa) and CVC (MasterCard) technology–special encoding that is picked up from a card's magnetic strip during authorizations, and CVV2 (Visa), and CVC2 (MasterCard)–a security value within the signature panel. Additionally, the Falcon fraud product is available for all card programs.

Card Activation
To protect against mail fraud, new or reissued credit cards are not activated until the member calls a toll-free number and provides certain verifying information. For debit programs the member must use it in an ATM or POS terminal with a valid personal identification number (PIN).

Account Information
Several options are available to your credit union to cost-effectively download daily cardholder account information from Credit Union Card Center's system to your own data processing system.

e-Customer Service
The e-Customer Service product lets your cardholders obtain credit card information through the Internet wherever they are: at home, work or on the road. With e-CustomerService, members have a direct link to their credit union credit card account. At any time cardholders can enroll to:

• View real time account balance and statement information (up to three months plus cycle to date)
• Download statement information to a personal financial management software program
• Pay their credit card bill
• Setup automatic payments
• View their rewards points
• Enroll in electronic statements
• Submit inquiries and requests to Credit Union Card Center

Credit Card Skip-a-Payment Option
This processing option provides cardholders extra spending money at critical times of the year by allowing them to skip-a-payment anytime. This option is different from the normal skip-a-payment program where it is offered to the whole cardbase at a scheduled time such as during the holidays or back to school.

Pre-paid Card Products
The new Pre-paid cards include gift, reloadable, travel, and youth Pre-paid cards with several card designs to choose from.

ATM Processing
Credit Union Card Center, in partnership with First Data Resources, the largest card processor in the nation, offers ATM terminal driving, monitoring, dial-up processing, surcharge processing and more. With an ATM card from Credit Union Card Center, your members may obtain cash, perform balance inquiries and transfer balances at more than 855,000 ATM locations worldwide displaying the Plus or Cirrus logos. Additionally, Credit Union Card Center provides connectivity to many of the major regional ATM networks.

Add the debit card feature and you provide endless opportunities for your members, as well as increasing card program revenues. The debit card product, branded with a Visa or MasterCard logo, functions like a credit card except the purchase amount is deducted from your member's share draft account. Members can use the debit card in place of a check at any merchant location where Visa or MasterCard are accepted, increasing convenience to your member while providing a revenue stream for the credit union.

Credit Union Card Center offers several authorization methods including:

• Online/Real-time Authorizations - this is a direct connection to your credit union's data processing system to provide real-time access to balance information for ATM and/or point-of-sale (POS) transactions.
• Batch - Positive Balance File Authorizations - this is a cost-effective alternative to linked, real-time authorizations. A file may be transmitted reflecting the balances to be used for cardholder authorizations up to twice a day.

Credit Union Card Center offers ATM driving services for major ATM brands, including Diebold, NCR, Triton, etc.