IhN Table of Contrail %argot" Service Vision Payment Solutions Account Support Services Consumer Loan Processing Description Loan processing solution using a single processing platform that supports unsecured lending and installment loans, home equity and other lines of credit, student lending. and healthcare financing. Benefits • Enable clients to manage their loan portfolios and card portfolios on the same platform • Support for mgulatoiy reporting and compliance • Reduced risk using fraud and credit scoring tools • Flexibility and control of loan terms and pricing • Highly configurable and flexible; available as both a prottessing solution in some markets, as well as a licensed solution VisionPLUS Business software application for processing large payment portfolios, with support for issuing and acquiring of credit, debit. prepaid, and private label consumer and commercial cards sued under the American Express, JUL UnionPay, MasterCard. and Visa brands. • Scalability to add new product functionality and capabilities • Easy to integrate and upgrade • Support for multiple currencies and languages • Support for customers' access through online and mobile channels VisionPLUS Flex Our VisionPLUS solution tailored to run on midrange • servers, for cost-effective deployment targeted towards small and mid-size financial institutions. • Ability to deploy VisionPLUS quickly on costeffective midrange servers Support for multiple currencies and languages • Support for customers' access through online and mobile channels • Full-color, digital card printing to support card programs and designs Card activation services to enable account holders to activate their cards Plastic Card Card plastics personalization, embossing. printing. Services carrier printing, and mailing of plastic cards, including EMV chip cards. Online aces to perform various functions, including managing inventory and modifying production requests • Low cost through scale • Provide EMV cards, which increase security and fraud protection 127 http://vanv. see. gov/Archi vecledgaddataht83980/00011 93 1251 5334479/d31022ds la.htmi 1 0/14/201 5 9:06:38 AM] CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) CONFIDENTIAL DB-SDNY-0082146 SDNY GM_00228330 EFTA01382687