PULSE is Debit

PULSE, a Services company, has operated one of the leading U.S. debit/ATM networks for three decades. The PULSE® network serves more than 4,400 banks, credit unions and savings institutions across the U.S. and links cardholders with more than 350,000 U.S. ATMs, as well as point-of- sale (POS) terminals at retail locations nationwide. In 2009, PULSE became the global cash provider for Diners Club International, which Discover acquired in 2008. The PULSE Global Cash Access Network currently includes more than 780,000 ATMs in over 80 countries.

Since its founding in 1981, PULSE has educated its financial institution participants on emerging products, services and trends in the payments industry. The organization is also a recognized resource for industry research related to electronic payments, publishing the sixth installment in its Debit Issuer Study series in 2011. PULSE offers a variety of professional development seminars and conferences for its participants, and provides marketing materials designed to encourage ATM and debit use.

PULSE Operations PULSE performs high-quality, competitively priced switching and settlement services for a variety of electronic payment products. Transaction processing and settlement operate simultaneously on dual identical platforms connected through a uniquely designed telecommunications infrastructure. This state-of- the-art network environment is designed to provide continuous service in the event of a platform outage.

The PULSE Advantage Full suite of debit solutions Exceptional value and reliability National debit reach Advanced fraud detection Broad merchant acceptance Best-in-class personal service

PULSE Products & Services PULSE ATM — Gives debit cardholders access to their money at more than 350,000 U.S. ATMs ® PULSE PAY — Links debit cardholders with POS terminals at retail locations nationwide ® Discover Debit — Enables financial institutions to offer consumer or business debit cards featuring lower network expenses, fully disclosed pricing and enhanced fraud prevention features ® PULSE Debit Solutions — Offers participating financial institutions a high-quality product for supporting Discover Debit, debit MasterCard® and Visa® check card products ® PULSE Access — Provides turnkey and agent stored value programs PINless Bill Pay — Enables utilities, government agencies, insurers, lenders and selected other biller types to receive consumer debit payments securely by telephone, the Internet or live agents ® PULSE Select — Enables participating institutions to provide cardholders with surcharge-free ATM access at more than 20,000 PULSE and MoneyPass® ATMs ® DebitProtect — Helps financial institutions identify potential fraud and manage fraud risk Electronic Benefits Transfer (EBT) — Provides electronic distribution of government payments PULSE Internet PIN Debit — Enables cardholders to use PIN debit when shopping online

PULSE Management Dave Schneider, President Warren Coles, Executive Vice President, Operations Cindy Ballard, Executive Vice President, Communications and Marketing Karen Gardstein, Executive Vice President, Finance Leah Henderson, Executive Vice President, Sales Judith McGuire, Senior Vice President, Product Management

PULSE Media Contacts Steve Sievert, Sr. Vice President – Communications and Marketing: 832-214-0111, [email protected] Anne Rhodes, Senior Manager – Public Relations: 832-214-0234, [email protected]

1301 McKinney Suite 2500 Houston, Texas 77010 800-420-2122 Fax: 832-214-0300 pulsenetwork.com

A Discover Financial Services Company