A proprietary suite of innovative web-based reporting and account management tools

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• A proprietary suite of innovative web-based
  reporting and account management tools
• Provides an electronic access point for
  retrieving credit card processing information,
  consolidated transaction reporting and
  reconciliation data
• Allows a user to customize queries and export
  data for further analysis
• Can be used by Partners or Merchants to
• Track trends
• Identify and address problem areas that need
  special attention

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• Recon olution Main Module
• Delivers back-end transaction and reconciliation
  data customized to users preferences
• Groups reporting by category for ease of access
• Batch and transaction detail
• Interchange qualification
• Funding history
• Fee history
• Chargeback and retrieval history
• Monthly merchant activity statements
• Exports to Excel or can be downloaded to a
  comma-delimited format for further analysis

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• Optional modules include
• Deciionable Data Reports
• Interchange Qualification History
• Chargeback and Retrieval
• Credits without Offsetting Debits
• Exception Item Repond
• Web-based workstation
• Receive and respond to Chargeback and Retrieval
  notices
• Intant Alerts
• Instant email notifications of exception
  conditions and financial risks delivered right to
  your inbox

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• Search Options on all reports include
• Date Ranges
• Transaction Types
• Cardholder numbers
• Authorization Numbers
• Transaction Amounts
• Authorization Amounts
• Batch numbers
• Case numbers

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Batch and Transaction Reports

• Get a summary snapshot of previously settled
  payment card activity by day or date range
• View individual batch or transaction detail
  records
• Display results by merchant location, card type
  or batch
• Export to Excel or can be downloaded to a
  comma-delimited format for further analysis

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Batch and Transaction Reports

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Batch/Transaction ReportsAll Transactions Report

• Can be accessed as a drill down from the Batch
  Detail Report
• Shows detail for all transactions within the
  selected batch regardless of qualification level
• Includes both settled and non-settled activity.
• Data elements include cardholder number, dollar
  amount and actual qualification level

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Batch/Transaction ReportsAll Transactions Report

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Batch/Transaction ReportsBatch Detail

• Provides a summary for each batch of transactions
  submitted during the specified date range
• Includes counts and amounts of the batch totals,
  settled totals, non-settled totals and
  adjustments.
• Each row represents one submitted batch
• Allows drill down to transaction level detail to
  view qualified, non-qualified, or all
  transactions in a particular batch

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Recon olutionBatch Detail

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Batch/Transaction ReportsBatch Exception

• Lists batches closed more than 2 days after
  opened
• Helpful in identifying locations that are not
  closing their batches in a timely manner
  resulting in avoidable Interchange downgrades
• Displays data by merchant location
• Provides information on the batch number, and its
  corresponding item counts and dollar amounts

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Recon olutionBatch Exception

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Batch/Transaction ReportsCard Type Analysis

• Provides a summary of submitted deposit totals
  sorted by merchant number by card type for the
  specified date range
• Displays both settled and non-settled card types
• Includes dollar amounts and transaction counts,
  corresponding percentages, and an average ticket
  amount by card type
• Allows for easy comparison of location-to-location
  or location-to-total performance

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Recon olutionCard Type Analysis

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Batch/Transaction ReportsCard Type Summary

• Individual Location Summary
• Provides submitted deposit totals by card type
  for the selected merchant location during the
  specified date range
• Totals include settled and memo-posted deposit
  amounts and transaction counts
• By Merchant Summary
• Presents data by merchant number and by card type
  for the specified date range
• Totals include both settled and memo-posted
  deposit amounts and transaction counts

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Recon olutionCard Type Summary

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Batch/Transaction ReportsCard Type Summary by
Merch

• Provides a summary of submitted deposit totals
  sorted by merchant number and by card type for
  the specified date range
• Totals include both settled and non-settled card
  types, including dollar amounts and transaction
  counts

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Recon olutionCard Type Summary By Merchant

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Batch/Transaction ReportsRecap Summary

• Recaps the total dollar amount paid to the
  merchant during the specified date range
  according to funding category
• Starts with batch totals, then deducts
  memo-posted card types such as such as Amex or
  Discover
• Adjusts for exceptions items including DCNs,
  miscellaneous financial adjustments, chargebacks
  and chargeback reversals
• Results in a calculation of a net paid deposit
  amount funded via ACH transfer

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Recon olutionRecap Summary

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Batch/Transaction ReportsDebit Card Analysis

• Recaps debit card acceptance activity by merchant
  location for the specified date range
• Distinguishes between pin-based and
  signature-based activity including dollar
  amounts, item counts and corresponding
  percentages for each
• Enables a merchant to identify cardholder trends
  review effectiveness of current debit procedures
  at the point of sale

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Recon olutionDebit Card Analysis

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Batch/Transaction ReportsDebit Monthly Analysis

• Similar to the Debit Card Analysis report
• Generated monthly
• Includes graphs to help the user more readily
  identify trends relating to online and offline
  debit activity

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Recon olutionDebit Card Monthly Analysis

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Interchange Qualification Reports

• Provide a recap of how transactions are
  qualifying for Interchange
• Allow a merchant to readily identify locations
  incurring a high percentage of downgraded
  transactions
• Can be indicative of a need to improve card
  acceptance procedures or upgrade the payment
  solution in use at the point-of-sale

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Interchange Qualification Reports

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Interchange Qual ReportsQualified Transactions

• Shows transaction detail for all sales activity
  that qualified at the best possible Interchange
  rate for the specified date range
• Includes transaction date, batch submit date,
  card number and qualifying Interchange category

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Qualification DataQualified Transactions

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Interchange Qual ReportsNon-Qualified
Transactions

• Shows transaction detail related to items that
  downgraded to a higher-expensed Interchange
  category
• Includes transaction date, batch submit date,
  card number and clearing Interchange category
• Provides detail on why transactions downgraded
• Move mouse over the reason codes, and a
  description for each downgrade code appears
• Use information to help correct equipment or
  procedural issues that may be causing downgrades

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Qualification DataNon-Qualified Trans

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Interchange Qual ReportsQualification Summary

• Summarizes activity by merchant number and
  qualification level, so you can easily see how
  each location is performing
• Can be sorted by qualification status so that all
  locations with downgraded transactions appear at
  the top of the report

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Qualification DataQualified Summary

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Funding Reports

• Provides access to reports that help merchants
  verify funding activity
• Available reports range from summary to detail
  reports
• Simplifies daily reconciliation
• Itemizes exception item adjustments for ease of
  reference

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Funding

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Funding ReportsSettlement Summary

• Summarizes funding amounts by category
• Can be used to reconcile to bank deposits or
  internally allocate revenue and expenses
• Provides funding sub-totals at the merchant
  outlet level, as well as at other hierarchy
  levels, based on user logon

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FundingSettlement Summary

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Funding ReportsDCN Report

• Recaps Deposit Correction Notices (DCNs) by
  merchant location for the specified date range
• For each adjustment, the reason, the dollar
  amount of the adjustment, and the transaction
  with which it is associated is provided
• The reason code field provides the data needed to
  correct the issue

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FundingDeposit Correction Notice Report

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Funding ReportsDCN Analysis

• Provides a summary by merchant number of the
  dollar amounts and counts of DCN's
• Indicates the the corresponding submitted batch
  amounts and counts for the selected date range
• Includes the percentage of DCNs to Total
  transactions by merchant for ease in identifying
  locations that are having issues with DCN's

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FundingDeposit Correction Notice Analysis

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Funding ReportsFinancial Adjustments

• Recaps miscellaneous debit or credit financial
  adjustment (MISC/MISX) transactions posted during
  the specified date range
• Reported data includes the adjustment amount
  along with the detailed description that appeared
  on the merchant activity statement that included
  the adjustment

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FundingFinancial Adjustments

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Fee Reports

• Settlement Fee Summary
• Lists total fees assessed by merchant number on a
  specific date or over a date range
• Facilitates expense allocation by merchant
  location
• Settlement Fee Detail
• Displays fee data in three main categories
• Discount/Service Charge
• Fees (includes authorization fees, equipment,
  product usage, etc.)
• Interchange/Assessment
• Facilitates more detailed cost allocation by
  location

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Fees

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FeesSettlement Fee Summary

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FeesSettlement Fee Detail

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Chargeback Reports

• Provide a variety of chargeback reports to help
  merchants manage exception item processing
• Can view a high level "snapshot" of all exception
  items for a particular time period or detailed
  chargeback records at a merchant outlet level
• Allow merchant to track chargebacks as they move
  through the exception item process
• Deliver historical reporting relative to
  successful representments and denied reversal
  requests

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Chargebacks

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Chargeback ReportsException Summary

• Provides a "snapshot" of all exception items by
  merchant location
• Highlights those exceptions that have a financial
  impact to the merchants business

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ChargebacksException Summary

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Chargeback ReportsRepresentments

• Displays chargebacks that have been represented
  to the issuing bank on the merchant's behalf
• Items included on this report were intercepted by
  our Chargeback analysts and reversed back to the
  Issuer without financial impacting the merchant

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ChargebacksRepresentments

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Chargeback ReportsDispositions

• Lists each disposition by merchant location
  within the selected date range
• Dispositions are chargebacks representing
  disputed transactions settled in favor of the
  cardholder
• A disposition usually results in a deduction from
  the merchant's deposit
• Merchants have the option to present a rebuttal
  to a dispositioned case which may or may not
  result in a reversal of the chargeback

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ChargebacksDispositions

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Chargeback ReportsDispositions Analysis

• Similar to the Dispositions report
• Generated monthly
• Includes graphs to help the user more readily
  identify trends relating to chargeback reason
  codes by location

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ChargebacksDisposition Analysis

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Chargeback ReportsReversals

• Lists chargebacks originally settled as
  dispositions, but later reversed
• Indicative that the merchant successfully
  disputed the chargeback by providing adequate
  rebuttal documentation
• Reverses any accompanying financial impacts to
  the merchant as well

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ChargebacksReversals

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Chargeback ReportsReversals Analysis

• Similar to the Reversals report
• Generated monthly
• Includes graphs to help the user more readily
  identify trends relating to successful chargeback
  reversals by location

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ChargebacksReversal Analysis

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Chargeback ReportsDenied Reversals

• Lists chargebacks that were originally settled as
  dispositions
• Indicative that merchant submitted a rebuttal
  which proved insufficient to reverse the original
  chargeback
• Results in no further financial impact to the
  merchant because the original disposition stands

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ChargebacksDenied Reversals

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Chargeback ReportsPending Chargebacks

• Lists chargebacks with a pending status
• Can be indicative of case status during certain
  arbitration conditions
• Chargeback amount is "suspended" until the case
  is resolved
• Pending chargebacks have no financial impact
  they are informational only

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ChargebacksPending

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Retrievals

• Provides access to several retrieval reports that
  assist in reviewing, researching and fulfilling
  retrieval requests
• Reviewing reports regularly and fulfilling
  retrievals in a timely manner can help you avoid
  future chargebacks

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Retrievals

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RetrievalsOutstanding

• Provides daily updates to all outstanding
  retrieval requests
• Sorting capabilities allow for views of due dates
  and dollar amounts that may be critical

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RetrievalsOutstanding

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RetrievalsFulfilled

• Lists retrieval requests fulfilled by location
  within the specified date range
• Allows monitoring at individual outlet or
  hierarchy levels for all locations within the
  assigned log-on

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RetrievalsFulfilled

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RetrievalsExpired

• Lists retrievals that expired prior to being
  fulfilled by the merchant location
• Will likely appear as a dispositioned chargeback
  shortly

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RetrievalsExpired

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Statements

• Statements can be viewed at a chain or merchant
  outlet level
• Typically available for viewing 5 days after the
  merchant's cycle period
• Statements are stored for 12 months

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Statements

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Research ToolsAuthorization Search

• Date range and one other data element are
  required to search for an authorization
• Results include all authorizations that meet the
  criteria entered on the input screen
• Data elements provided in this report include
  whether the transaction was manually keyed or
  swiped, the authorization code, and the source of
  the authorization

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Research ToolsAuthorization Search

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Research ToolsAuthorization Search Results

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Research ToolsCardholder Search

• Allows search by cardholder number to obtain
  transaction detail information
• Enter the cardholder number and date range click
  the "Submit" button at the bottom of the screen
• By entering a card number or a partial card
  number, all settled transactions associated with
  that card for the selected date range will be
  displayed
• The results show transaction detail for all
  transactions that meet the criteria entered

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Research ToolsCardholder Search

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Research ToolsCardholder Search Results

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Research ToolsCardholder History

• Allows you to search by cardholder number to
  obtain detail on authorizations, transactions,
  retrievals, and chargebacks
• Enter the cardholder number you are looking for
  and the date range and click the Submit button at
  the bottom of the screen
• The Cardholder History results show all
  transactions that meet the criteria entered
• The type field provides the record status and if
  it is an authorization, settled transaction,
  retrieval or chargeback

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Research ToolsCardholder History

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Research ToolsCardholder History Results

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Merchant Information

• Provides access to information about your
  merchant setup
• Can be viewed by overall hierarchy structure or
  search for a particular merchant location
• Includes name, address and contact information

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Merchant Information

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Merchant InformationHierarchy Structure

• The Hierarchy Structure Report helps find
  merchant locations within the Paymentech
  hierarchy
• Easy to view hierarchy levels and their
  corresponding hierarchy or merchant numbers
• This report can be exported to Excel or
  downloaded to a comma-delimited file

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Merchant InformationHierarchy Structure

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Merchant InformationLocation Report

• Merchant Location Report provides detail
  information, such as address and phone number,
  for a particular merchant location
• Merchant Location details are displayed for all
  merchant locations that match the criteria
  entered

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Merchant InformationLocation Report

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• The application resides on a Paymentech server,
  accessed via http//www.paymentech.com
• No software to be sent to the user for setup or
  for enhancements... everything is contained on
  the server
• Internet Service Provider
• Browser - Microsoft Internet Explorer 5.5 or
  Netscape 4.7
• Software - Adobe Acrobat Reader 5.0 and Excel 97

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• Log-ons are assigned at the following hierarchy
  levels
• Bank/Agent
• Corporate/Chain
• Outlet
• Admin log-on has the ability to add or delete
  users

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• Recon olution Module is provided to Strategic
  partners at no cost
• Merchant logons provided for a nominal monthly
  fee see Schedule A pricing in Agreement
• Additional Modules ( Deciionable Data, Repond,
  Intant Alerts) are provided for a fee
• 25/report/user/month
• Wholesale fees can be upcharged difference
  retained by Partner as income
• Fee Sequence Code 391

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• Merchant set up request forms are available on
  the Strategic Partner Resource Center site
• If multiple locations required, a Non Processing
  Chain account must be established contact RM to
  create