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October 2016?

www.SyntraPoint.com

Get ready with

Contact SyntraPoint Initial Presentation and Technical Overview

DeployDeployment Spec Meeting, Executive Agreements and Roll out

Reach Agreement on Project DetailsProject Scope Meeting and Deployment Spec Meeting

Initial meeting to implementation

in 60 to 90 days!

Surpass Card Issuer Mandates for Transaction Alerts from MasterCard and Visa, reduce fraud and enhance your cardholders’ experience.

With the continuing rise of fraud and diminishing cardholder trust, transaction alerts have become increasingly important in the payments industry, with major U.S. payment companies like Visa and MasterCard launching mandates that require cardholders to be given the option to receive some type of transaction alert on every purchase. But today’s consumers want more than real-time alerts. According to a survey by Mercator, 50 percent of consumers say they want more control over their card usage activity.

SyntraPoint, a joint venture between First Performance Global and Syniverse, meets these needs and more by providing real-time transaction alerts and dynamic card controls combined with an enterprise mobile engagement platform. The result: A powerful set of tools for card issuers that delivers a unified and superior cardholder experience.

SyntraPoint delivers a high-value service that exceeds the minimum mandate requirements set by card issuers and that works across all card schemes, all card types and for any transaction payment channel.

SyntraPoint: Real-Time Transaction Alerts & Controls

Empower Cardholders. Surpass Industry Mandates.

A joint venture between Syniverse and First Performance Global

A joint venture between Syniverse and First Performance Global

Get Started Today!

SyntraPoint surpasses industry mandates and consumer demands by enabling enhanced cardholder experiences and real-time engagement on any device, on any channel, anytime, anywhere in the world. SyntraPoint is a joint venture between First Performance Global and Syniverse that combines real-time transaction alerts and dynamic card controls with a global enterprise mobile engagement platform.

Contact us today for more information or visit www.syntrapoint.com to learn more.

Use Case Scenarios

Card On/Off Channel Controls Travel Controls

Recurring Transaction Controls Limit Controls

Real-Time History & Transaction Alerts Rewards & Incentives

This solution enables a set of tools that increase cardholder satisfaction with the added security benefits that are necessary in today’s market while laying the foundation for financial institutions to increase engagement with their members and cardholders via mobile anytime, anywhere by providing:

· Personalization· Customer self-service· Fraud protection· Enhanced customer experience

Benefits to Card Issuers· Mitigate risk and reduce losses (especially card not present)· Enhance card loyalty and increase cardholder trust· Grow mobile banking uptake· Improve top of wallet relationship· Reduce customer servicing cost· Increase number of transactions / bigger ticket values / interchange· Unified user experience across ALL cards products / card brands / processors

Key Features

· Available for all major card brands around the globe and transaction payment channels, including point of sale, mobile pay, online and ATM transactions worldwide.· Complementary to EMV and chip cards as a way to overcome challenges in protecting transactions made online· Real-time detailed transaction analytics for issuer / processor· Real-time data mining consoles (for all approved, declined and blocked transactions)· Mobile Context to validate phone numbers, verify customer identity, and determine real-time location · API and ‘snap-in’ call center and cardholder support modules· Advanced targeted messaging consoles· Corporate spend controls and consoles· Real-time personal preference control and management

Our Solution

A joint venture between Syniverse and First Performance Global

Benefits to Cardholders· Offers real-time personalized management, control, convenience and self-service of their own account · Gives peace of mind in using their “Trusted Payment Card”· Provides transparency of transactions and real- time alerting· Receive alerts and access via multiple digital channel, SMS, Push notifications, In-App, online on any device, anywhere in the world· Enhances cardholder benefits and new products

Chris Knowles+ 1.877.404.7667chris.knowles@syntrapoint.comwww.syntrapoint.com

Real-Time Alerts

Dynamic Real-Time Controls

Cross Channel Mobile Engagement

Self-Service

Mobile Context (Geolocation, Mobile Identity)

Are Current Solutions Enough?

SyntraPoint is more than alerts. Surpass Industry Mandates and Empower Carholders with Real-Time Controls, Cross Channel Mobile Engagement, Self-Service and Mobile Context.

Contact Info

A joint venture between Syniverse and First Performance Global

What is Visa’s Mandate for consumer card issuers?

To expand adopti on of transacti on alerts, eff ecti ve October 14, 2016. The Issuer may off er this service either itself, through a VisaNet Processor, a third-party service provider, or the Visa Transacti on Alerts Service.

Which card types are affected by this mandate?

This requirement is applicable to all U.S.-issued consumer cards carrying the Visa brand mark, including credit, debit and reloadable prepaid cards.

Which card types are not affected by this man-date?

This requirement is not applicable to non-reloadable pre-paid and commercial cards, private label, or proprietary cards.

Which card transactions are affected by this mandate?

This requirement is applicable to all Visa-branded card authorizati ons that are processed by Visa, Interlink and Plus. Fraud alerts do not sati sfy this requirement. Issuers who have VIMA are sti ll required to use this program. Which card transactions are not affected by this mandate?

This requirement is not applicable to transacti ons routed over unaffi liated networks such as MasterCard, STAR, NYCE, etc.

What is the cost of participating in the Visa sponsored solution, Visa Alerts?

There is no service fee for parti cipati ng in one of the soluti ons off ered by Visa at this ti me. However, SMS alerts delivered through this service will be charged a pass-through fee at current carrier rates (currently set at $0.01 per SMS).

Solutions offered by Visa at this time deliver near real-time alerts to consumers, and do not provide for card-user real time controls.

What is MasterCard’s Mandate for consumer card transaction alerts?

Eff ecti ve October 14, 2016, MasterCard will require all U.S. region issuers to off er a transacti on alerts soluti on to their consumer credit, consumer debit, consumer prepaid, and small business cardholders if the Issuer will off er an equivalent service in connecti on with any other payment brand, and April 21, 2017 for all other Issuers.

Describe the minimum requirements of the Transaction Alerts Service which card issuers must offer to card holders.

The Transaction Notifi cation Service must:

• Provide the Cardholder with the opti on toacti vate the Transacti on Noti fi cati on Service;

• Allow the acti vati on of Transacti on noti fi cati onsby individual Account PAN;

• Allow the Cardholder to set parameters forTransacti on noti fi cati ons based on authorizati on acti vity which, at a minimum, must include: o Transacti on amount o Cross-border Transacti ons o Transacti on type (for example, e-commerce

• Support the electronic delivery of Transacti on noti fi ca-ti ons to Cardholders (for example, via email messages or short message service [SMS] alerts).

Issuers may use any alerts solution that meets these minimum requirements.

TCPA has carved out fraud alerts as not requiring the rigorous opt-in and billing to consumers for message restricti ons for “Fraud Alerts”. Transacti onal Alerts delivered by SMS will be subject to all the restricti ons, guidelines, and regulati ons. This is a “pain point” for senders.

transacti ons, mail order/telephone order transacti ons) or channel (for example, card-not-present transacti ons) or both.

VISA and MasterCard Mandate Comparison

For Immediate Release

Syniverse and First Performance Global Launch Joint Venture, SyntraPoint, LLC

Consumers receive real-time, cross-channel payment card transaction alerts and controls

TAMPA, Fla. and ATLANTA, Ga. – April 11, 2016 – Consumers will soon be better positioned to shield themselves from fraud and identity theft as a result of real-time mobile transaction alerts and dynamic card controls from SyntraPoint, LLC, a joint venture that has been announced today between Syniverse and First Performance Global Corporation.

Transaction alerts have become increasingly important in the payments industry, with major U.S. payment companies like Visa and MasterCard launching mandates that require users to receive some type of transaction alert on every purchase.

“These mandates, coupled with consumer demand have raised the bar for industry standards and customer expectations, and having immediate access to information regarding the status of payment activity is just one factor in the battle to protect cardholders. Today’s consumers want real-time alerts with the ability to control their card usage activity,” said Wayne Johnson, Chief Executive Officer, First Performance Global. “The capabilities of SyntraPoint will couple real-time alerts with the ability for end-users to control how and when their payment cards can be used as a comprehensive strategy for risk mitigation.”

Institutions that use SyntraPoint will be able to allow their cardholders to receive real-time alerts through multiple, optional cross-channel delivery mechanisms, including in-app push, SMS, phone call and email. Additionally, transaction controls on purchase limits and locations will allow cardhold-ers to define how, when and where payment transactions may occur.

“SyntraPoint’s ability to provide cardholders with real-time mobile transaction alerts and card controls exceed the minimum mandate requirements set by card issuers,” said Dave Ratner, President, Enter-prise Solutions, Syniverse. “We are enabling a set of tools that increase cardholder satisfaction with the added security benefits that are necessary in today’s market while laying the foundation for future use cases to enable financial institutions to engage their members and cardholders via mobile any-time, anywhere.”

Payment card mobile transaction alerts through SyntraPoint will be available for all global, major card brands and transaction payment channels, including point of sale, mobile pay, online and ATM trans-actions worldwide. The technology also works in full complement with EMV and chip cards as a way to overcome traditional industry challenges in protecting transactions made online.

Both Syniverse and First Performance Global have a history of enabling technology solutions for a global marketplace across a variety of industries. Syniverse recently announced its work to help sev-eral financial institutions engage their users, including Western Union’s loyalty program, Banco

Santander’s customer communications and MasterCard’s travel alerts. First Performance recently announced a partnership with G-Xchange (GXI), a subsidiary of Mynt and a wholly-owned financial services subsidiary of Globe Telecom that operates the operator’s flagship mobile commerce product GCash. The partnership enables the launch of GogoNogo, a mobile security app that allows users to turn on and turn off payment capabilities of their prepaid, debit or credit cards through their mobile devices, therefore increasing user security and purchase control.

About SyniverseSyniverse is the leading global transaction processor that connects more than 1,500 mobile service providers, enterprises, ISPs and OTTs in nearly 200 countries and territories, enabling seamless mobile communications across disparate and rapidly evolving networks, devices and applications. We deliver innovative cloud-based solutions that facilitate superior end-user experiences through al-ways-on services and real-time engagement. For more than 25 years, Syniverse has been simplifying complexity to deliver the promise of mobility – a simple, interoperable experience, anytime, anywhere. For more information, visit www.syniverse.com, follow Syniverse on Twitter or connect with Syniverse on Facebook. About First Performance GlobalFirst Performance Global delivers an innovative platform revolutionizing how issuers and proces-sors connect and engage with their customers. Through interaction with the ISO 8583 authorization stream, the First Performance platform provides financial institutions with customer self-service capa-bilities, card management, loyalty, and messaging tools that deliver greater control, security, interac-tive communication, and an overall enhancement to the card use experience. For more information, visit www.firstperformance.com.

For more information:

Bobby EagleSyniverse Public Relations +1 813.637.5050bobby.eagle@syniverse.com

Chris KnowlesSyntraPoint Public Relations+1 877.404.7667chris.knowles@syntrapoint.com

Charles E. PottsFirst Performance Global+1 877.404.7667charles@firstperformance.com

40%More than 1 in 3

use compromised account less frequently after fraud

GLOBAL CONSUMER FRAUD SURVEY

Based on a Q2 2016 ACI Worldwide study of 6,035 consumers in 20 countries. Copyright ACI Worldwide, Inc. 2016.INF5988 07-16

* Not included in the 2014 survey

Mexico

Brazil

USA

Australia

India

Singapore

Canada

South Africa

France

UK

Italy

Dubai

Spain

Indonesia

Thailand

New Zealand

Germany

Sweden

Netherlands

Hungary

56%

49%

47%

40%

37%

36%

35%

33%

29%

29%

27%

27%

26%

26%

23%

20%

18%

14%

14%

9%

23%

19%

6%

9%

4%

8%

14%

3%

3%

1%

7%

17%

*

4%

*

3%

2%

4%

1%

*

COUNTRY-SPECIFIC FRAUD RATES

2016 % CHANGE 2014–2016

1 out of 5 will change card providers if not happy with

treatment by FI following fraud

More than 1 in 10 lack confidence in their FI to protect them from fraud –

slightly improved from 2014

More than half of global consumers still exhibit risky behavior and need

education on fraud prevention

Nearly a third of consumers have experienced card fraud

in the past five years

17%

of debit and credit card holders cite having experienced fraud multiple

times during the past 5 years