Visa User Manual

Pemco Visa Processing System- of 133 ©2005 Pemco Technologies

Rev.1105

Pemco Visa Processing System

Pemco Visa Processing System- Page 1 of 133 ©2005 Pemco Technologies

Rev.1105

Chapter 1 Welcome to Pemco........................................................................................................................................................... 1 Pemco Products and Services..................................................................................................................................................................1 Funds Management.................................................................................................................................................................................1 Settlement Processing.............................................................................................................................................................................1 Authorization Processing..........................................................................................................................................................................1 Card/PIN Issuance and Processing...........................................................................................................................................................1 Automated 24-Hour Lost/Stolen Card Service.............................................................................................................................................1 Chargeback Processing...........................................................................................................................................................................1 Fraud Deterrence and Reporting ...............................................................................................................................................................1 Card Design and Production.....................................................................................................................................................................1 Pemco Contact Information .....................................................................................................................................................................2 Pemco Technlogies Card Processing Agreement ........................................................................................................................................2

Chapter 2 Funds Management and Settlement Processing....................................................................................................... 3 Overview...............................................................................................................................................................................................3 Funds Management.................................................................................................................................................................................3 Funding Methods ....................................................................................................................................................................................3 Funding Method Time-Frame Procedures....................................................................................................................................................3 Settlement Processing.............................................................................................................................................................................3 Incoming and Outgoing Items Procedures ..................................................................................................................................................3 General Ledger.......................................................................................................................................................................................3 Training Topics .......................................................................................................................................................................................4 Daily Balancing ......................................................................................................................................................................................4 Balancing Hints ......................................................................................................................................................................................4 Pemco Reports and Descriptions ..............................................................................................................................................................4 Daily Settlement Report ..........................................................................................................................................................................4 Incoming/Outgoing Interchange BIN Report................................................................................................................................................5 Month-to-date Interchange Summary Report (Monthly & Daily) .....................................................................................................................7 Monthly Invoice......................................................................................................................................................................................8 Visa Transaction Detail Report................................................................................................................................................................ 10 Visa Exception Items Report .................................................................................................................................................................. 11 Visa Quarterly Operating Certificates Q1 - Credit Cards............................................................................................................................. 13 Visa Quarterly Operating Certificates Q2 - Debit Cards.............................................................................................................................. 14 Administration Month-to-Date Statistics.................................................................................................................................................... 16

Chapter 3 Card and PIN Issuance.................................................................................................................................................... 21 Overview............................................................................................................................................................................................. 21 Card/PIN Issuance Procedures............................................................................................................................................................... 21 Data Transmission................................................................................................................................................................................ 21 Magnetic Tape...................................................................................................................................................................................... 21 Online Card/PIN Issue........................................................................................................................................................................... 21 Fax..................................................................................................................................................................................................... 21 Card/PIN Maintenance Procedures for Card Base Customers..................................................................................................................... 21 Card Expiration Report/Card Issue Name and Address Report.................................................................................................................... 21 Card/PIN Maintenance Procedures for Non-Card Base Customers .............................................................................................................. 22 Reissue Expiration Date Procedures........................................................................................................................................................ 22 Reissues: Card Base Users ................................................................................................................................................................... 22 Non-Card Base Users ........................................................................................................................................................................... 22 Standard Card/PIN Issue Schedule ......................................................................................................................................................... 22 Priority File Card/PIN Issuance Procedures.............................................................................................................................................. 22 Rush Card/PIN Issuance Procedures ...................................................................................................................................................... 22 Card/PIN Issue Request Form ............................................................................................................................................................... 22 Inventories and Supplies........................................................................................................................................................................ 23 Oberthur Card Systems for card/PIN production....................................................................................................................................... 23 Inserts ................................................................................................................................................................................................ 23 Insert Specifications ............................................................................................................................................................................. 23 Shipments ........................................................................................................................................................................................... 23 Envelopes, Cards, PIN Mailers............................................................................................................................................................... 23 Supply Shipments................................................................................................................................................................................. 23 Card Mailing Options ............................................................................................................................................................................. 23 Training Topics ..................................................................................................................................................................................... 24 Topic 3.1 - Card/PIN Issuance on the Pemco Processing System: .............................................................................................................. 24 Screen 7.1.1 - Pemco Visa Card/PIN Issue .............................................................................................................................................. 24 Topic 3.2 - Card/PIN Card Base Maintenance on the Pemco Processing System........................................................................................... 25 Screen 7.1.2 - Pemco Card Base Update/Inquiry ...................................................................................................................................... 25 Pemco Reports and Field Descriptions .................................................................................................................................................... 25 Card/PIN Issue Report: (Figure 3.1)........................................................................................................................................................ 26 Card Expiration Report: (Figure 3.2) ........................................................................................................................................................ 27 Card Issue Name and Address Report: (Figure 3.3)................................................................................................................................... 28 Card Issue Name and Address Report Key: (Figure 3.3)............................................................................................................................ 28 Pemco/Oberthur Inventory Supply Report: (Figure 3.4).............................................................................................................................. 29 Card/PIN Issuance Audit ....................................................................................................................................................................... 30


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Chapter 4 Authorizations ................................................................................................................................................................. 31 Overview............................................................................................................................................................................................. 31 Authorization Processing........................................................................................................................................................................ 31 Positive File......................................................................................................................................................................................... 31 Negative File ....................................................................................................................................................................................... 31 Online Authorization (VPN) ..................................................................................................................................................................... 31 Action Codes ....................................................................................................................................................................................... 31 Pemco Products and Services................................................................................................................................................................ 32 Authorizat ion File Maintenance................................................................................................................................................................ 32 Positive File......................................................................................................................................................................................... 32 Negative File ....................................................................................................................................................................................... 32 Online Authorizations ............................................................................................................................................................................. 32 Training Topics ..................................................................................................................................................................................... 33 Topic 4.1 – Viewing an Authorization ........................................................................................................................................................ 33 Topic 4.1 – PowerLink Visa Authorization Inquiry Screen (1.1.1)................................................................................................................... 33 Topic 4.1 - PowerLink Visa Authorization Inquiry Screen (1.1.1) ................................................................................................................... 34 Topic 4.1 - PowerLink Visa Authorization Positive Limits File Screen (1.1.3) .................................................................................................. 35 Topic 4.2. – Updating an available balance............................................................................................................................................. 35 Topic 4.2 – To block an account:............................................................................................................................................................. 35 Topic 4.3 - PowerLink Visa Authorization Request Screen (1.1.6) ................................................................................................................. 36 Topic 4.3 – To perform an authorization/reversal ....................................................................................................................................... 36 Pemco Reports and Field Descriptions .................................................................................................................................................... 36 Positive File Maintenance Listing Exception Report (Figure 4.1) .................................................................................................................. 37 VisaNet Exception File Online Maintenance Journal (Figure 4.2) .................................................................................................................. 38 Positive Limits Online Maintenance Journal (Figure 4.3) ............................................................................................................................. 39 Authorization Listing Report: (Figure 4.4).................................................................................................................................................. 39

Chapter 5 Lost and Stolen Cards.................................................................................................................................................... 41 Overview............................................................................................................................................................................................. 41 Blocking a Card.................................................................................................................................................................................... 41 Using the Automated Lost/Stolen Service................................................................................................................................................ 41 Automated Lost/Stolen System Menu...................................................................................................................................................... 41 Updating the VisaNet Exception File........................................................................................................................................................ 42 Updating the Card Recovery Bulletin (CRB)............................................................................................................................................. 42 Additional Lost/Stolen Information........................................................................................................................................................... 42 Merchant Rewards ................................................................................................................................................................................ 42 Report Retention .................................................................................................................................................................................. 42 Maintenance History Screen................................................................................................................................................................... 42 Training Topics ..................................................................................................................................................................................... 43 Topic 5.1 – Blocking Accounts on the Positive Balance File via Pemco........................................................................................................ 43 Topic 5.1 - PowerLink Visa Authorization Positive File (1.1.3 Screen)............................................................................................................ 43 Topic 5.2 –Inquiring on the VisaNet Exception File..................................................................................................................................... 44 Topic 5.2 - PowerLink Visanet Exception File (1.1.7 Screen)........................................................................................................................ 44 Topic 5.3 - Pemco Visa Account Maintenance History (1.5) ........................................................................................................................ 45 Pemco Reports and Field Descriptions .................................................................................................................................................... 46 Figure 5.1 - Accounts Reported Lost of Stolen by VRU (677R1) ................................................................................................................. 46 Figure 5.2 - Positive Limits Online Maintenance Journal (021R1) ................................................................................................................. 48 Figure 5.3 - Exception File Online Maintenance (023R1) ............................................................................................................................. 49

Chapter 6 Back-Office Functions..................................................................................................................................................... 50 Overview............................................................................................................................................................................................. 50 Requesting a Draft Copy ....................................................................................................................................................................... 50 Entry Rejects....................................................................................................................................................................................... 50 Visa Draft-Retrieval Time Frames........................................................................................................................................................... 50 Receipt of Copy Requests .................................................................................................................................................................... 50 When Pemco Processes your Chargeback............................................................................................................................................... 50 Financial Institution Processes Chargebacks............................................................................................................................................ 50 Chargeback Process............................................................................................................................................................................. 51 Second Presentment ............................................................................................................................................................................. 51 Pre-Arbitration ...................................................................................................................................................................................... 51 Arbitration............................................................................................................................................................................................ 51 Chargeback Time Frames ...................................................................................................................................................................... 51 Supporting Documentation ..................................................................................................................................................................... 51 Additional Chargeback Information.......................................................................................................................................................... 51 Transaction Reversal Procedures............................................................................................................................................................ 51 Fee Collection/Funds Disbursement Procedures ....................................................................................................................................... 51 Cash Advance Procedures..................................................................................................................................................................... 52 Training Topics ..................................................................................................................................................................................... 53 Topic 6.1 –Requesting a Copy Request on Pemco.................................................................................................................................... 53 Topic 6.1 -PowerLink Visa Settlement Retrieval Request Transaction Screen (1.2.3) ...................................................................................... 53 Topic 6.2 - How to Initiate a Draft Retrieval Request: ................................................................................................................................ 54 Topic 6.2 - PowerLink Visa Settlement Chargeback/Chargeback Reversal Screen (1.2.2)................................................................................ 55 Topic 6.3 - Initiate a Fee Collection or Funds Disbursement........................................................................................................................ 57 Topic 6.3 - PowerLink Visa Settlement Initiate Fee Collection Screen (1.2.4) ................................................................................................. 57


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Topic 6.4 – Authorize and Settle a Cash Advance...................................................................................................................................... 58 Topic 6.4 - PowerLink Visa Authorization Request Screen (1.1.6) ................................................................................................................. 58 Topic 6.4 - PowerLink Visa Settlement Initiate Cash Advance Transaction Screen (1.2.5)................................................................................ 58 Pemco Reports and Field Descriptions .................................................................................................................................................... 59 Figure 6.2 - Visa Dispute Tracking Alert Report (2A) .................................................................................................................................. 59 Figure 6.3 - Visa Dispute Daily Tracking Report (2B) ................................................................................................................................. 60 Figure 6.4 - VisaNet Edit Package Report (108R2) .................................................................................................................................... 61 Figure 6.5 - Data Capture Report (112).................................................................................................................................................... 62

Chapter 7 Fraud Control and Reporting......................................................................................................................................... 63 Overview............................................................................................................................................................................................. 63 Fraud Deterrence.................................................................................................................................................................................. 63 Card Activation .................................................................................................................................................................................... 63 Activating a Card using the Pemco Screens ............................................................................................................................................. 63 CVV.................................................................................................................................................................................................... 64 CVV2.................................................................................................................................................................................................. 64 PRISM ................................................................................................................................................................................................ 64 CRIS .................................................................................................................................................................................................. 64 Risk Reports........................................................................................................................................................................................ 64 ICS..................................................................................................................................................................................................... 64 Accessing the ICS Database.................................................................................................................................................................. 65 Fraud Reporting.................................................................................................................................................................................... 65 Expiration Date Matching ....................................................................................................................................................................... 65 BIN Limits ........................................................................................................................................................................................... 65 Training Topics ..................................................................................................................................................................................... 66 Topic 7.1 - Visa Card Activation Screen (7.1.5)......................................................................................................................................... 66 Topic 7.2 - Visa Settlement Initiate Fraud Advice Screen (1.2.7).................................................................................................................. 67 Pemco Fraud Reports ........................................................................................................................................................................... 68 Figure 7.1 - Visa ICS Report .................................................................................................................................................................. 69 Figure 7.2 - Invalid Expiration Date, Declined Authorizations, and Authorizations over $1,000.00...................................................................... 70 Figure 7.3 - Excessive Usage 5 or more Transactions ............................................................................................................................... 73 Figure 7.4 - Track-1/Positive Balance Name Mismatch............................................................................................................................... 74 Figure 7.5 - Authorizations for $1.00 or Less............................................................................................................................................. 75 Figure 7.6 - Authorizations with CVV Failures ............................................................................................................................................ 76 Figure 7.7 - Auths of $1.00 or Less Followed by 3 or More Auths ................................................................................................................ 77 Figure 7.8 - CRB Region Exception File................................................................................................................................................... 78 Figure 7.9 - Foreign Country Authorizations .............................................................................................................................................. 78 Figure 7.10 - Risky Merchant Authorizations ............................................................................................................................................. 79 Figure 7.11 - Foreign Country Transactions .............................................................................................................................................. 80 Figure 7.12 - Risky Transactions ............................................................................................................................................................ 81 Figure 7.13 - BIN Profile Risk Parameters................................................................................................................................................ 82

Chapter 8 Pemco Screens and Field Descriptions...................................................................................................................... 84 Overview............................................................................................................................................................................................. 84 PowerLink Main Menu Screen (0)............................................................................................................................................................. 84 Visa Menu Screen (1) ............................................................................................................................................................................ 85 Visa Authorization/Limits Menu Screen (1.1).............................................................................................................................................. 85 Visa Authorization Inquiry Screen (1.1.1).................................................................................................................................................. 86 Visa Authorization Name Search Screen (1.1.2)......................................................................................................................................... 87 Visa Authorization Positive File Screen (1.1.3) .......................................................................................................................................... 88 Visa Authorization Negative File Screen (1.1.5) ......................................................................................................................................... 89 Visa Authorization Request Screen (1.1.6)................................................................................................................................................ 90 VisaNet Exception File Screen (1.1.7)...................................................................................................................................................... 91 Visa Settlement Transactions Screen (1.2) ............................................................................................................................................... 92 Visa Settlement Chargeback/Chargeback Reversal (1.2.2)......................................................................................................................... 93 Visa Settlement Initiate Chargeback/Reversal Screen (1.2.2.A)................................................................................................................... 94 Visa Settlement Initiate Chargeback/Reversal Screen (1.2.2.B)................................................................................................................... 96 Visa Settlement Retrieval Request Transaction Screen (1.2.3).................................................................................................................... 97 Visa Settlement Select Original Transaction (1.2.3).................................................................................................................................... 98 Visa Settlement Initiate Retrieval Request Screen (1.2.3.A)........................................................................................................................ 99 Settlement Initiate Fee Collection Screen (1.2.4)..................................................................................................................................... 100 Settlement Initiate Cash Advance Transaction (1.2.5).............................................................................................................................. 101 Settlement Fraud Advice Transaction Screen (1.2.7)................................................................................................................................ 102 Visa Settlement Initiate Fraud Advice Screen (1.2.7.A) ............................................................................................................................ 103 Visa Account Maintenance History (1.5)................................................................................................................................................. 104 Transmission Activity Menu (4)............................................................................................................................................................. 106 Transmission Activity Statistics Screen (4.1).......................................................................................................................................... 107 Network Status Screen (4.2)................................................................................................................................................................. 108 Cardholder Database Menu (6).............................................................................................................................................................. 109 Cardholder Call-Back Search (6.2)......................................................................................................................................................... 111 Card/PIN Issue Menu (7) ..................................................................................................................................................................... 112 Card/PIN Issue Visa Menu (7.1)............................................................................................................................................................ 112 Visa Card/PIN Issue Screen (7.1.1):...................................................................................................................................................... 113 Card Base Visa Update/Inquiry Screen (7.1.2)........................................................................................................................................ 114


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Visa Card Activation Screen (7.1.5)....................................................................................................................................................... 115 Issuer’s Clearinghouse Menu (8) ........................................................................................................................................................... 116 Issuer’s Clearinghouse Screen (8.1) ...................................................................................................................................................... 116 Issuer’s Clearinghouse Add Application Fraud Screen (8.2)....................................................................................................................... 118 Issuer’s Clearinghouse Delete Application/Fraud Screen (8.3) ................................................................................................................... 119

APPENDIX A -...................................................................................................................................................................................... 120 Powerlink/Visa Fields and Values .......................................................................................................................................................... 120 Overview........................................................................................................................................................................................... 120 Visa Field Name Definitions/Values....................................................................................................................................................... 120 Acct. Sel ........................................................................................................................................................................................... 120 Acquirer Busns ID............................................................................................................................................................................... 120 Acquirer Reference Number................................................................................................................................................................. 120 Auth.................................................................................................................................................................................................. 120 Authorization Characteristics ................................................................................................................................................................ 120 Indicator ............................................................................................................................................................................................ 120 Authorization Response Codes ............................................................................................................................................................. 121 AVS Response Code........................................................................................................................................................................... 121 BASE Identification Number................................................................................................................................................................. 121 Block Codes/ ..................................................................................................................................................................................... 122 VISA Action Code Conversion Table...................................................................................................................................................... 122 Card Accptr Id.................................................................................................................................................................................... 122 Cardholder Activated Terminal.............................................................................................................................................................. 122 Cardholder ID Method.......................................................................................................................................................................... 122 Chargeback Reason Codes.................................................................................................................................................................. 122 Card Recovery Bulletin Regions ........................................................................................................................................................... 122 CRB/Exception File Indicator................................................................................................................................................................ 122 Country Codes................................................................................................................................................................................... 123 Currency Codes ................................................................................................................................................................................. 123 Documentation Indicator ...................................................................................................................................................................... 123 Dr Prod ............................................................................................................................................................................................. 123 Excl Tran ID Rsn................................................................................................................................................................................ 123 Floor Limit Indicator ............................................................................................................................................................................ 123 Intl Fee Ind ........................................................................................................................................................................................ 123 Mail/Telephone or................................................................................................................................................................................ 123 Values are: ........................................................................................................................................................................................ 123 Electronic Indicator ............................................................................................................................................................................. 123 Merchant Category Code..................................................................................................................................................................... 124 Merchant Name.................................................................................................................................................................................. 124 Message Type Codes:......................................................................................................................................................................... 124 Multi-Clearing Seq #............................................................................................................................................................................ 124 Orig Tran Code................................................................................................................................................................................... 124 Orig Tran MMDD................................................................................................................................................................................. 124 Orig Vic YDDD................................................................................................................................................................................... 124 PCAS Indicator................................................................................................................................................................................... 124 Pemco CCYYMMDD........................................................................................................................................................................... 124 POS Entry Mode................................................................................................................................................................................. 124 POS Terminal Capability ...................................................................................................................................................................... 124 Purch Identifier................................................................................................................................................................................... 125 Purchase Identifier.............................................................................................................................................................................. 125 Prepaid Card...................................................................................................................................................................................... 125 Reason Codes/Chargebacks................................................................................................................................................................ 125 Reversals.......................................................................................................................................................................................... 125


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Chapter 1 Welcome to Pemco Technologies Since 1963, Pemco has been building a reputation as a leader in the transaction processing world (Visa, Share Drafts, ACH). Our processing system is a seven-time winner of Visa USA’s Processor Performance Award. Pemco provides exceptional reliability and service because we understand that that our success rests on our customer’s success.

Pemco Technologies Products and Services

Funds Management Funds Management is Visa’s requirement for the daily settlement of interchange. Each business day your financial institution provides funds to Pemco for settlement.

Settlement Processing Incoming Settlement Processing is the process of receiving items that post directly to cardholder accounts. These items are primarily cardholder transactions completed at merchant locations or ATMs throughout the world. The reverse process is "outgoing settlement processing." These items are initiated by your institution for settlement (i.e., cash advances, chargebacks, etc).

Authorization Processing Providing balance records by account number to Pemco allows us to respond to authorization requests that begin at the point of sale. Card/PIN Issuance and Processing Pemco assists you with all phases of card and PIN issuance, including card embossing, PIN generation, and mailing. Automated 24-Hour Lost/Stolen Card Service We employ a 24-hour phone service to assist you and your cardholders with the reporting of lost and stolen cards.

Chargeback Processing You have the choice of performing your own chargebacks, or having Pemco perform them for you. In either case, we support you through the entire chargeback process.

Fraud Deterrence and Reporting We employ the following fraud deterrence features: • • Web-based fraud/risk reports • Verified by Visa • Secure card activation • CVV and CVV2 (Card Verification Value) • PRISM (Proactive Risk Manager software, plus 24 hour monitoring) • CRIS (Cardholder Risk Identification Service by Visa) • Expiration date matching • ICS (Issuer’s Clearinghouse Service) • Visa Advanced Authorization

Card Design and Production With Pemco, you have an entire graphic design department at your disposal. When it’s time to design or redesign the look of your card, you will have the talents of our in-house designers to ensure that the final result meets your expectations.


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Pemco Technologies Contact Information

Customer service: (206) 352-3500 or toll free (800) 881-7488 (Available from 5 a.m. to 6 p.m. Pacific Time, Monday - Friday) Lost and stolen card reporting, 24/7: (800) 682-6075 Automated card activation system: (800) 411-6390 Fax: (206) 352-3501 or (206) 352-3502 Data transmission facilities: (800) 881-7488, press 2 Visa assistance center: (800) 336-8472 Pemco Technologies Pemco Technologies PO Box 91101 617 Eastlake Avenue East Seattle, WA 98111-9201 Seattle, WA 98109 http://www.pemcotech.com [email protected]

Pemco Technologies Card Processing Agreement

This procedure manual is part of your processing agreement with ‘ Technology Services, Inc. You shall assume full responsibility for all transactions that occur on lost or stolen cards, provided that Pemco shall assume liability for any transactions that were requested to be blocked and were approved after Pemco had been properly notified as per procedures outlined in this manual. You shall also have all liability for transactions requiring authorization if you, the merchant, and/or any third party fails to notify Pemco as required by this manual and/or Visa Operating Regulations. It is your responsibility to review all reports, make sure all maintenance is performed properly, and advise Pemco of any possible errors. All errors and/or omissions should be brought to Pemco's attention by telephone, within ten business days of the report. Noncompliance with any procedure or policy contained in this manual may be treated as a breach of the processing agreement.

Pemco Visa Processing System Page 3 of 133 ©2005 Pemco Technologies

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Chapter 2 Funds Management and Settlement Processing Overview Financial institutions are responsible for the funding and settlement of interchange on a daily basis. This is accomplished by transfer of funds and interchange files. A large part of funds management is Visa's requirement to settle each day’s interchange. Financial institutions are responsible for the timely delivery of funds each day.

Funds Management

Funding Methods Two funding options are available: 1. Account Transfer: Establish a corporate account at US Bank. 2. Wire Transfer: Wire funds directly to the Pemco settlement account. Funding Method Time-Frame Procedures Pemco sends a wire request at approximately 5:30 a.m. Pacific Time to financial institutions. Regardless of method, funds must be transferred to or collected by Pemco before 10:30 am Pacific Time.

Settlement Processing Incoming and Outgoing Items Procedures Incoming Items received from Visa are distributed to issuing financial institutions in a settlement file. The settlement file is available in three formats; transmission, tape, or hard copy. Visa transmits the settlement information to Pemco by 6 a.m. Pacific Time each business day. The file is available shortly thereafter. Most settlement items post directly to cardholder accounts, all exception items must be researched and hand posted to the proper account or returned to the acquiring institution. It is important to verify all transactions are accounted for after posting. Verify the monetary totals from the settlement file to the posting journal to ensure you balance. Outgoing Outgoing items are all transactions entered on a daily basis on the Pemco Processing System (i.e., chargebacks, cash advances, fee collections, funds disbursements, etc). The outgoing items are submitted to Visa at 5 pm Pacific Time each business day. Most items entered on the Pemco Processing System are net-settled in that day's batch and will be seen on the next day's reports. Due to the Visa Chargeback Reduction Service, all dispute related items are settled in two days.

General Ledger

Financial Institutions should establish a variety of internal General Ledger (GL) Accounts. This develops an audit trail for Visa related transactions. Commonly used GL accounts are: GL Account Definition/Description Corporate Account Account used to fund Pemco daily settlement Interchange Transmitted items that post directly to cardholder accounts Suspense Chargeback and exception item corrections in process


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Income Interchange income received from Visa, identified as reimbursement fees Expense Fees paid to Pemco and Visa for card processing

Training Topics

Daily Balancing Each business day you receive the Pemco Daily Settlement Report (Figure 2.1) via PTSI Mail. This report lists the total dollar amount needed for daily settlement. Balancing Hints The typical daily balancing procedure is the comparison between the total debits and credits to member accounts and the totals received on the Pemco Daily Settlement Report. Some of the typical reasons for being out-of-balance are: • An exception item not posting to an account (listed on the Exception Item Report, Figure 2.6) • Item(s) rejected by your in-house data processor.

Pemco Technologies Reports and Descriptions

Listed below are the Pemco Reports available that pertain to Funds Management and Settlement Processing. A sample copy of each report is provided along with brief field descriptions. Daily Settlement Report This report lists the total funds necessary for each day's settlement. The report provides totals for incoming, outgoing, and net interchange. FROM: POWERLINK CUSTOMER SERVICE 11/25/05 PHONE NUMBER: (800) 881-7488 POWERLINK SETTLEMENT REPORT BIN(S): TRANSMITTED NOT TRANSMITTED NET --------------------- ------------------------------ ------------ INTERCHANGE 62,860.67 0.00 62,860.67 REIMBURSEMENT FEES 880.79 CR ISA FEES 6.06 ------------ TOTAL INTERCHANGE 61,985.94 OUTSTANDING CREDIT 0.00 -------------- TOTAL FUNDS DUE TO VISA FOR TODAYS SETTLEMENT: 61,985.94 ** ===== ============ *** THIS AMOUNT REPRESENTS TODAYS SETTLEMENT. A WIRE OR TRANSFER INSTRUCTIONS MUST BE RECEIVED BY U.S. BANK BY 10:30 A.M.

Field Name Description Report Heading Who to contact with report questions Date Report and settlement date Transmitted Total of all incoming debits and credits that post directly to cardholder accounts Not Transmitted Total of all debits and credits that will not post directly to a cardholders’ account Net The total of all transmitted and not transmitted items


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Reimbursement Fees Total interchange income paid to your financial institution Total Interchange The sum of net interchange less reimbursement fees Outstanding Credit If your cardholders as a whole return more items than they purchase, your credit amount will be greater than the debit amount, resulting in an outstanding credit owed to you. This scenario is very unusual. Total Funds Due to Visa Total dollar amount needed to fund today's settlement for Today’s Settlement Incoming/Outgoing Interchange BIN Report This report gives a breakdown of the incoming and outgoing items by transaction type. A Daily Net Interchange page is also included, providing transmission summary and net settlement information. Page 1 - Incoming Interchange ECV110R2 11/25/05 PAGE 91 BIN INCOMING INTERCHANGE DESCRIPTION COUNT AMOUNT --------------------- ----------- ------------ SALES DRAFTS 7,395 242,757.15 CREDIT VOUCHERS 81 6,523.78 CR CASH ADVANCES 12 4,650.00 FEE COLLECTIONS 1 15.00 GENERAL DELIVERY 26 0.00 FREE TEXT 99 0.00

Page 2 - Outgoing Interchange ECV110R2 11/25/05 PAGE 92 BIN OUTGOING INTERCHANGE DESCRIPTION COUNT AMOUNT --------------------- ---------- -------------- DRAFT CHARGEBACKS 11 838.12 CR REQUEST COPY 2 0.00

Field Name Definition/Description Description Describes the transaction type Count Total number of items Amount Total dollar amount of items Page 3 - Daily Net Interchange ECV110R2 11/25/05 PAGE 93 BIN DAILY NET INTERCHANGE NET


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------- GROSS INTERCHANGE 240,060.25 REIMBURSEMENT FEES 3,443.28 CR CONVERSION FEES 42.24 TOTAL INTERCHANGE 236,659.21 NET INTERCHANGE 236,659.21 DEBITS TRANSMITTED 247,407.15 TOTAL DEBITS 247,422.15 CREDITS TRANSMITTED 6,523.78 CR TOTAL CREDITS 7,361.90 CR NET AMOUNT TRANSMITTED 240,883.37 NET INTERCHANGE 236,659.21

Field Name Definition/Description Gross Interchange Total amount of the items for settlement Reimbursement Fees Total amount of fees paid to you for each transaction Conversion Fees Total amount of fees Visa assessed to your cardholders for currency conversion Total Interchange The sum of gross interchange, less reimbursement fees, plus conversion fees Net Interchange This is equal to total interchange Debits Transmitted Total of debit items transmitted to you Total Debits Sum of all debit items transmitted and debit exception items Credits Transmitted Total of credit items transmitted to you Total Credits Sum of all credit items transmitted and credit exception items Net Amount Transmitted Sum of all debits and credits Net Interchange The same as net interchange


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Month-to-date Interchange Summary Report (Monthly & Daily) This report lists a running total by day of the current month’s incoming, outgoing, and net interchange totals. ECV311R1 11/23/05 04:26:05 VISA ADMINISTRATION MONTH-TO-DATE INTERCHANGE SUMMARY FOR THE MONTH OF 11/05 *** NET INCOMING AND OUTGOING INTERCHANGE *** DAY INCOMING

INTERCHANGE OUTGOING INTERCHANGE

REIMBURSMENT FEES

ISA FEES NET INTERCHANGE

1 134,189.91- .00 1,914.25 13.97- 132,289.63 2 134,820.83- .00 18.16- 18.16- 132,804.60- 3 139,468.98- 639.75 2,034.39 20.73- 136,815.01- 4 142,998.09- .00 2,111.28 15.54- 140,902.35- 7 435,735.35- 57.82 6,208.46 50.07- 429,519.14- 8 131,395.05- .00 1,860.06 38.42- 129,573.41- 9 115,457.82- .00 1,717.51 10.54- 113,750.85- 10 119,883.44- 278.66 1,771.79 8.13- 117,841.12- 14 549,345.78- 57.87 7,874.15 43.23- 541,456.99- 15 130,295.05- .00 1,863.99 22.17- 128,453.23- 16 144,848.14- 110.13 2,169.23 14.14- 142,582.92- 17 126,469.69- .00 1,860.39 16.42- 124,625.72- 18 141,160.70- .00 2,098.05 12.38- 139,075.03- 21 473,733.47- 199.71 6,608.86 21.76- 466,946.66- 22 155,619.00- .00 2,127.68 22.63- 145,916.52- 23 148,217.28- 193.82 2,129.19 22.25- 145,916.52- TOTAL: 3,223,638.58- 1,537.76 46,384.23 350.54- 3,175,716.59- MTD AVG: 201,477.41- 96.11 2,899.01 21.91- 198,482.29-

Field Name Definition/Description Date Day of the month the report is run Incoming Interchange The amount of incoming interchange posted to your BIN for that business day Outgoing Interchange The amount of outgoing interchange posted to your BIN for that business day Reimbursement Fees The total reimbursement fees for that business day Net Interchange The gross interchange less the reimbursement fees for the calendar business day Total Monthly totals for incoming interchange, outgoing interchange, reimbursement fees, and net interchange. MTD Avg Month-to-date averages for incoming interchange, outgoing interchange, reimbursement fees and net interchange


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Monthly Invoice On the first business day of each month you receive an invoice for the services performed by the Pemco Processing System. On the 15th day, your account is debited via ACH for the invoice amount. If the 15th is on a weekend or holiday, the amount settles on the next business day. RATE COUNT AMOUNT AUTHORIZATION PROCESSING AUTHORIZATIONS/ADVICES 0.080 742 59.36 VISANET ACCESS FEE 0.007 742 5.19 CRIS PROCESSING 0.020 742 14.84 FILE MAINTENANCE PROCESSING CICS ENTERED 0.150 12 1.80 TRANSMITTED/ELECTRONIC 0.005 33,351 166.76 SETTLEMENT INCOMING ITEMS 0.080 681 54.48 OUTGOING ITEMS 1.000 7 7.00 BASE II VISA FEES 0.003 633 1.90 CARD MANAGEMENT CARDS ISSUED VIA CICS ENTRY 0.550 14 7.70 PINS ISSUED VIA CICS ENTRY 0.300 10 3.00 CARD ACTIVATION W/O CARD PROD 0.750 9 6.75 POSTAGE EXPENSES 22.20 CUSTOMER SERVICE LOST AND STOLEN REPORTS 8.000 1 8.00 SUPPORT FEE 150.000 1 150.00 CHARGEBACK HANDLING FEE 15.000 0 50.00 MIN ================= GRAND TOTAL 558.98 ** ** THIS AMOUNT WILL BE COLLECTED VIA ACH BY MID-MONTH.

Name Definition/Description Authorization Processing: Authorization/Advices Authorizations performed by the Pemco Processing System and advices sent by Visa VisaNet Access Fee Per authorization fee charged by Visa for VisaNet access Verified by Visa (VbV) Authorization fee charged per Vbv authentication PRISM Processing Authorization fee charged for PRISM authorization monitoring per transaction File Maintenance Processing: CICS Entered Account maintenance performed by dial-up to the Pemco Processing System Transmitted/Electronic Account maintenance performed by transmission or tape Settlement: Incoming Items Charges for incoming items Outgoing Items Charges for outgoing items


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Base II Visa Fees Fee charged by Visa for each incoming sales draft Card Management: Cards Issued by CICS Entry Manual online entry to issue cards Cards Issued by Transmission Cards issued through periodic transmissions Cards Issued Special Handling Cards receiving special handling PINs Issued by CICS Entry Manual online entry to issue PINs PINs Issued by Transmission PINs issued through periodic transmission Card Activation Attempts Card activation charge per attempt Postage Expenses Actual expense for mailing cards/PINs Overnight Delivery Expense Express mail delivery fees Customer Service: Lost and Stolen Reports Per occurrence charge for use of the lost/stolen reporting service Support Fee Customer Service and Online support fee Chargeback Handling Fee Chargeback processing performed by Pemco staff Copy Requests Visa copy requests performed by Pemco staff PRISM Alerts Fee Fraudulent Account notification due to a PRISM alert Card Activation Labels Cost per card activation label Settlement Funding Daily funding method settlement charge


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Visa Transaction Detail Report This report reflects the detail for all incoming/outgoing daily settlement items. Summary (Last Page of Report):

CARD NUMBER TC DESCRIPTION DATE ISSUER AMOUNT CURR CODE MERCHANT NAME/MESSAGE CITY ST ZIP CTRY X

RPS ATM ACCT SEL USAGE REFERENCE NUMBER SOURCE AMOUNT DRPROD MER PSTL CD ACQ ID TRAN ID MCC POS AVS

AUTH SOURCE FEE PROG IND MOTO/ECI SPEC COND IND CAT ACI RA

766 DEBIT ITEMS TRANSMITTED 56,338.04 3 DEBIT ITEMS NOT TRANSMITTED 612.50 23 CREDIT ITEMS TRANSMITTED 2,050.57 34 CREDIT ITEMS NOT TRANSMITTED 10,656.56 0 NON-MONEY ITEMS TRANSMITTED 12 NON-MONEY ITEMS NOT TRANSMITTED ADDITIONAL ITEMS TRANSMITTED CONVERSION FEES GENERATED 2.57

Field Name Definition/Description Card Number: The 16-digit card number TC: Transaction code identifying the type of transaction Description: Briefly describes type of transaction Date: The transaction date Issuer Amount: The transaction amount Curr: The currency code Code: Represents reason code for chargebacks, fee collections, fund disbursements, and requests for copies or originals. Code also represents authorization codes for sales, credits, and cash advance transactions. Merchant Name/Message: Merchant’s DBA name or may contain the member message text for chargebacks. City: Merchant’s DBA city St: Merchant’s state Zip: Merchant’s zip code CTRY: Merchant’s country code X: Indicates if an item was an exception. RPS: Revised from RP. Required Payment Service. ATM ACCT SEL: Revised from ACT. Indicates ATM account selection. Usage: Usage Code. Indicates if it’s an original transaction or a representment. Reference Number: Revised from Ref. Number. The 23-digit reference number assigned by the acquirer used to identify the transaction. Source Amount: Original transaction amount in acquiring member’s currency. DRProd: This field is included in all non-Visa presentations acquired by the VisaNet Debit System


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MER PSTL CD: Revised from MPC. Merchant Postal Code. ACQ.ID: The acquirer’s business ID TRAN ID: The 15-digit transaction identifier Visa assigns to all U.S. transactions MCC: Revised from CTGY. Merchant Category Code. A code designating the principal trade, profession or line of business in which a Merchant is engaged. POS: Identifies the POS entry mode AVS: Revised from AV. Address Verification Service data received in the authorization request (AVS is a VisaNet service through which a merchant may verify a cardholder’s billing address). AUTH SOURCE: Revised from AI. Indicates the source of the authorization; issuer or stand-in. FEE PROG IND: Fee Program Indictor. New field added for October Enhancements. Used to access interchange rate calculated for a transaction. MOTO/ECI: Revised from M/T. Mail/Telephone/Electronic Commerce Indicator SPEC COND IND: Revised from SCI. Special Condition Indicator. A VisaNet code used in the clearing record to specify that one or more unique conditions apply to the Transaction. CAT: Cardholder Activated Terminal Indicator ACI: Authorization Characteristics Indicator. Indicates that the transaction is being submitted for CPS qualification. RA: Reimbursement Attribute. A VisaNet code designating the Interchange reimbursement fee applicable to the transaction. The count and amount for the following: Debit items transmitted Debit items not transmitted Credit items transmitted Credit items not transmitted Non-money items transmitted Non-money items not transmitted Visa Exception Items Report This report details all daily transactions and non-monetary items that do not post to cardholder accounts through the normal settlement process (i.e., cash advances, chargebacks, fee collections, and copy requests). ECV113R1 Pemco VISA EXCEPTION ITEMS REPORT 12/14/05 PAGE 1


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BIN DETAIL CARD NO. TC DESC DATE ISSUER AMT CURR CODE MERCH NAME/MSG CITY ST ZIP CTRY RPS ATM-AC AUTH USAGE REF. # SOURCE AMT DRPROD ACQ.ID M/T ACI RA CAT AV CTGY TRAN ID POS SCI 05 SALES DRFT REPR 1012 918.64 840 388042 SONY OUTLET SHOP 2 CUAUTITLAN I 54769 MX M I 2 74540615288391939007186 9,759.97 484 5502 02255875 N B L 5722 000000000 90 8 10 FEE COLLECTION 1213 15.00 840 0150 CERESE J MASTERS 04/07 DEBIT RECOVERED CARD HANDLING/REWARDS SOURCE BIN 463400 000000000 15 SALES CHGBK 1104 0.00 81 HAWKINS BAR STORE HAWKINS CA 95527 US U 1 24717055308733082558910 165.00 840 1599 10003719 N J R 5499 625309592 148510 01 EXCEPTION ITEM TOTALS: INCOMING SALES DRAFT 1 918.64 FEE COLLECTION 1 15.00 OUTGOING SALES CHGBK 1 165.00 CR

Field Name Definition/Description Card Number 16-digit cardholder account number TC The transaction code identifying the type of transaction Description A brief description of the transaction Date Transaction date Issuer Amount The transaction amount Curr The currency code Code Represents reason codes for chargebacks, fee collections, funds disbursements, and requests for copy/originals. Code also represents authorization codes for sales, credits, and cash transactions Merchant Name/Message The merchant’s DBA name or may contain the member message text for chargebacks City The merchant’s DBA city St The merchant’s state Zip The merchant’s zip code Ctry The merchant’s country code ATM-AC Indicates ATM account selection Auth Authorization source code Usage Usage code indicates first or second presentment


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Ref Number The 23-digit reference number assigned by the acquirer used to identify the transaction Source Amount Original transaction amount in the acquiring member’s currency Curr The currency code DRProd This field is included in all nonVisa presentations acquired by the VisaNet Debit System Acq ID The acquirer’s business ID assigned by Visa M/T Mail/Telephone transaction indicator RA Reimbursement attribute code - One alphanumeric digit that indicates the reimbursement fee level Ctgy Identifies the merchant category code Tran ID The 15-digit transaction identifier Visa assigns to all U.S. transactions POS Point-of-Sale method Visa Quarterly Operating Certificates Q1 - Credit Cards This report is a quarterly summary of activity and dollar volumes for Credit Card (Q1) BINs. These totals are reported to Visa for the Operating Certificate on a quarterly basis. ECV485R 10/03/05 VISA OPERATING CERTIFICATE BIN MEMBER NAME: TRADITIONAL PLATINUM CREDIT 09/05

DEBITS THIS QUARTER (A) CREDIT CARD SALES VOLUME MONTH 1 $0 MONTH 2 $0 MONTH 3 $1,128 TOTAL

$1,128

(B) NUMBER OF DRAFTS 25

(C) CASH DISBURSEMENTS ATM CAST DRAFTS 1 $ 102 BALANCE TRANSFER CASH DRAFTS . $ . MANUALLY COLLECTED MANUAL CASH DRAFTS 0 $ 0 TOTAL QUARTER . $ . CREDIT CARE - INCOMING INTERCHANG

E LESS CREDIT VOUCHERS

(A) SALES 25 $ 1,128 (B) CASH DISBURSEMENTS

ATM/MANUAL CASH DRAFTS

+1 +102 TOTAL (10.A + 10.B) 26 $ 1,230 LESS INTERNAL CASH ADVANCES - . - . INCLUDES CASH ADV. THROUGH ATMS TO YOUR MEMBERS (YOUR MACHINE) . $ . (C) TOTAL NUMBER OF CREDIT CARD ACCOUNTS (END OF QTR) . MANUALLY COLLECTED


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TOTAL OUTSTANDING (END OF QTR) $ . MANUALLY COLLECTD MINI CARD VOLUME 0 ACTIVE MINI CARDS 0

Field Names Definition/Description Debits this Quarter: (A) Credit Card Sales Volume. Displays the credit card sales volume for each month of the quarter and totals the three months (B) Number of Drafts. Displays the total number of sales drafts for the quarter. (C) Cash Disbursements. Displays the total number and dollar amount of cash disbursements for the quarter. Above includes ATM Displays the dollar amount of cash disbursements that were completed at an ATM for the quarter Total Outstandings: Provides a line to enter (manually) the total dollar amount of your outstanding loans. Number of Credit Card Accounts: Provides a line to enter (manually) the total number of credit cards you have outstanding. Credit Card - Incoming Interchange: (A) Sales. Displays the total number and dollar amount of (Total for Qtr) of credit card sales less credit vouchers for the quarter. (B) Cash Disbursements. Displays the total number and dollar amount of cash disbursements for the quarter including ATM transactions. Total (10.A + 10.B) Displays the total of (A) and (B) above. Less Internal Cash Advances: Provides a line for you to (manually) enter cash advances completed by you to your cardholders. Includes cash advances through ATMs to your members (your machine). (C) Total. Provides a line for totaling count and amount of interchange to report to Visa for the quarter Visa Quarterly Operating Certificates Q2 - Debit Cards This report is a quarterly summary of activity and dollar volumes for Debit Card (Q2) BINs. These totals are reported to Visa for the Operating Certificate on a quarterly basis. ECV495R1 01/03/05 08:39 VISA OPERATING CERTIFICATE BIN: CLASSIC DEBIT MEMBER NAME: 1. CHECK CARD SALES VOLUME (A) MONTH 1 $ 1,500,512 MONTH 2 $ 1,741,800 MONTH 3 $ 2,034,637 TOTAL $ 5,276,949


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(B) NUMBER OF DRAFTS 143,647 CASH DISBURSEMENTS: ATM CASH DRAFTS 0 $ 0 BALANCE TRANSFER CASH DRAFTS ___________ $___________ MANUALLY COLLECTED MANUAL CASH DRAFTS 39 $ 8,400 TOTAL QUARTER ___________ $___________ CHECK CARD - INCOMING INTERCHANGE (RECEIVED FROM OTHER MEMBERS) LESS CREDIT VOUCHERS (A) SALES 141,747 $ 5,195,763 (B) CASH DISBURSEMENTS - ATM AND MANUAL CASH DRAFTS 39 $ 8,400 (C) TOTAL (7.A + 7.B) 141,786 $ 5,204,163 METHOD OF POSTING OF CARDHOLDER TRANSACTIONS TO CHECK CARD ACCOUNTS METHOD B NUMBER OF ACCOUNTS WITH A CHECK CARD ___________ MANUALLY COLLECTED DATA MINI CARD VOLUME 0 $ 0 ACTIVE MINI CARDS 0

Field Name Definition/Description 1. Check Card Sales Volume: (A) Month 1, Month 2, Month 3: Displays the check card sales volume individually by month and total for the quarter. (B) Number of Drafts: Displays the total number of sales drafts for the quarter. Cash Disbursements: Displays the total number and dollar amount of cash disbursements for the quarter. Above includes ATM: Displays the dollar amount of cash disbursements that were completed at an ATM. Number of Accounts with a Check Card: Provides a line to (manually) enter the number of accounts you have on your system with a check card. Check Card - Incoming (A) Sales Displays the total numbers and dollars of check card sales for the quarter less credit vouchers. (B) Cash Disbursements The total number and dollar amount of cash disbursements for the quarter including ATM. (C) Total (7.A + 7.B) Displays the total of (A) and (B) above. Method of Posting Cardholder Transactions to check card accounts: Displays the method used for posting Check Card accounts Method B - Immediate (instant/without delay posting to cardholder account).


Rev.1105

Administration Month-to-Date Statistics This report summarizes the daily totals for incoming, outgoing, and net interchange on a monthly basis. It also displays the monthly totals and the month-to-date average for each category.

VISA MTD STATISTICS ECV475R1 12.01.05 07:03 11/05 PAGE 503 ISSUER: DEBIT BIN COUNT AMOUNT COUNT AMOUNT AUTHORIZATION REQUESTS 61,852 MANUAL CARDS

0

PTSI AUTHS APPROVED 1,418 TRANSMITTED CARDS 436 ISSUER AUTHS APPROVED 1,515 MINI CARDS TRANSMITTED 0 ISSUER AUTHS DECLINED 790 MANUAL PINS 0 OUTGOINE AUTH REQUESTS 0 TRANSMITTED PINS 53 VBV AUTHORIZATIONS 81 INLINE PRINTING 0 VBV ENROLLEMENT 142 CARD MAILERS 436 MANUAL FILE MAINTENANCE 142 PIN MAILERS 53 XMIT FILE MAINTENANCE 118,353 CUSTOMERS SELECTED PINS 0 PBF PROCESSING 60,482 CARD ISSUE RUSH 0 CARDHOLDER DATA FILE 57,871 PINS ISSUE RUSH 0 AWARDS MAINTENANCE FILE 0 CARDS/PINS PULLED 0 OUTGOING VISA CDF FILE 0 MANUALLY CALCULATED PINS 0 ACCOUNT INQUIRIES 79 CARD ACTIVATION ATTEMPTS 445 SALES DRAFTS 58,099 2,142,841.78 CARD MANUFACTURE FEE 0.00 CREDIT VOUCHERS 689 29,431.95 VISA POSTAGE – OBERTHUR 139.86 CASH ADVACE IN 15 4,218.75 VISA POSTAGE – LYNDALE 15.91 ATM 0 0.00 OVERNIGHT DELIVER 0.00 CASH ADVANCES OUT 0 0.00 BATCH CHARGES 0.00 SALES REVERSALS 4 867.60 PRISM C/H RESEARCH 0 CREDIT REVERSALS 0 0.00 ON-LINE LOST/STOLEN 1 CASH REVERSALS IN 0 0.00 REPORTS LOST/STOLEN 0 CASH REVERSALS OUT 0 0.00 COPY REQUEST HANDLING 0 SALES CHARGEBACKS 0 0.00 CHARGEBACK HANDLING 0 CREDIT CHARGEBACKS 0 0.00 PRECOMPLIANCE HANDLING 0 CASH CHARGEBACKS OUT 0 0.00 MPS AUTHORIZATION 0 0.00 CASH CHARGEBACKS IN 0 0.00 MPS SETTLEMENT 0 0.00 SALES CHARGEBACK REV 0 0.00 AIRLINE (3000 – 3299) 75 19,258.08 CREDIT CHARGEBACK REV 0 0.00 CAR RENDAL (3300 – 3499) 8 1,880.26 CASH CHARGEBACK REV OUT 0 0.00 HOTEL (3500 – 3999) 221 29,502.61 CASH CHARGEBACK REV IN 0 0.00 FOOD/MKT (5411 – 5499) 12,344 452,072.63 GAS (5541, 5551) 6,880 114,552.10 FEES IN 3 1,610.59 RESTAURANT (5812) 3,183 86,900.22 FEES OUT 0 0.00 MAIL/TELEPHONE (MAIL/TE=1) 1,979 181,635.46 FUNDS IN 0 0.00 E-COMMERCE 2,523 154,880.94 FUNDS OUT 0 0.00 ELECTRONICS (5732) 143 12,569.57 GENERATED CURR. CONV. 156 WAREHOUSE ST (5200,5300) 424 30,949.74 GENERATED TRANS 0 0.00 DEPARTMENT STORE (5311) 773 44,606.56 ORIGINAL COPY REQUEST 0 0.00 DISCOUNT STORE (5310) 773 179,593.68 COPY REQUEST 0 AUTO REPAIR (7538) 160 15,433.82 MAILING CONFIRMATIONS 0 RECURRING TRANS 392 14,134.14 RDMS – REPORT DISTRIB 0 GENERAL DELIVERY 779 ACCTS W/ TRANS – 4,630 AVG. 36.88 TEXT MESSAGE 254 AVG TRANS/ACCT – 12.55 AVG CA 281.25 SPECIAL SERVICES: FRAUD REPORTS 0 VROL QUESIONNAIRES 6 .450 ICS INPUT 0 VROL IMAGES 5 1.000 ICS RESPONSE 0 CARD ACTIVATION LABELS 1,500 .060 LINE EQUIPMENT CHARGES 0.00 VROL DOC SUPPORT 1 150.000 REDEMPTION PROCESSING 0.00 EXTRA AWARD PROGRAM 0 LABEL APPLICATION FEE 0 LABEL APP. MINIMUM FEE 0 ADDITIONAL INSERTS 0 0.00


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Field Name Definition/Description Left Column Authorization Requests Total number of authorization requests for the month PTSI Auths Approved Total number of authorizations approved by PTSI PTSI Auths Declined Total number of authorizations declined by PTSI Issuer Auths Approved Total number of authorizations approved by the FI Issuer Auths Declined Total number of authorizations declined by the FI Outgoing Auth Requests The number of outgoing authorization requests for the month VbV Authorizations Total number of VbV authorizations attempted VbV Enrollment Total number of members who enrolled in VbV Manual File Maintenance The number of account updates performed via the Pemco System Screens Xmit File Maintenance The number of account updates performed by file transmission PBF Processing Number of records sent in the PBF this month Cardholder Data File Number of records sent in the Cardholder Data File this month Account Inquiries Total number of account inquiries this month Sales Drafts Shows the number of sales draft transactions and the corresponding dollar amount for the month Credit Vouchers Shows the number and dollar amount of credit vouchers posted to accounts for the month Cash Advances In Shows the number and dollar amount of all incoming cash advance transactions including ATM ATM Shows the number and dollar amount of incoming cash advance transactions that were completed at an ATM Cash Advances Out Shows the number and dollar amount of all outgoing cash advance transactions Sales Reversals Shows the number and dollar amount of sales reversals for the month Credit Reversals Shows the number and dollar amount of credit reversals for the month Cash Reversals Out The number of outgoing cash advance reversals


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Cash Reversals In The number of incoming cash advance reversals Sales Chargebacks Shows the number and dollar amount of sales chargebacks for the month Credit Chargebacks Shows the number and dollar amount of credit chargebacks for the month Cash Chargebacks Out Shows the number and dollar amount of outgoing cash chargebacks for the month Cash Chargebacks In Shows the number and dollar amount of incoming cash chargebacks for the month Sales Chargeback Rev Shows the number and dollar amount of sales chargeback reversals for the month Credit Chargeback Rev Shows the number and dollar amount of credit chargeback reversals for the month Cash Chargeback Rev Out Shows the number and dollar amount of outgoing cash chargeback reversals for the month Cash Chargeback Rev In Shows the number and dollar amount of incoming cash chargeback reversals for the month Fees In The number and dollar amount of incoming fee collections Fees Out The number and dollar amount of outgoing fee collections Funds In The number and dollar amount of incoming funds disbursements Funds Out The number and dollar amount of outgoing funds disbursements Generated Trans The number and dollar amount of transactions for an institution created by a customized program Original Copy Requests Shows the number of requests for original sales/credit drafts Copy Requests The number of copy requests initiated by Pemco Customer Service on your behalf Mailing Confirmations The number of confirmations in response to retrieval requests RDMS - Report Distrib Reserved for future use General Delivery The number of text lines sent by Visa Text Message The number of text messages received Fraud Reports Number of fraud reports sent to the FI


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ICS Input The number of ICS records sent to Visa ICS Response The number of alert responses received from Visa Line Equipment The fees for leased equipment Right Column Manual Cards The number of cards issued manually Transmitted Cards The number of cards issued through transmission Manual PINs The number of PINs issued manually Transmitted PINs The number of PINs issued through transmission Inline Printing Printing costs for Cards/Pins/Inserts Card Mailers The number of card mailers issued PIN Mailers The number of PIN mailers issued Custom Select Phone PIN Number of phone PINs selected this month Card Issue Rush The number of cards issued for same day mailing PIN Issue Rush The number of PINs issued for day mailing Cards/PINs Pulled The number of cards/PINs pulled for special handling Manually Calculated PINs Total number of PINs calculated online Card Activation Attempts The number of card activation attempts by cardholders Card Manufacturing Fee Fee to manufacture new cards Visa Postage – Oberthur The postage expense for Visa card issuance Visa Postage – Lyndale The postage expense for Visa PIN issuance Overnight Delivery The fees charged for overnight delivery of cards and PINs Batch Charges The fees for card issue batches Redemption Processing Number of award items redeemed this month Extra Awards Program Monthly Award program fees PRISM Cardholder Research Number of cardholders Pemco Fraud Analysts attempted to contact directly in response to a PRISM alert Online Lost/Stolen The number of lost/stolen reports through Automated Lost/Stolen Reporting Service (audio-response unit)


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Reports Lost/Stolen The total number of lost/stolen reports processed through Pemco’s Lost/Stolen Service including those received through the audio-response unit) Copy Request Handling The number of copy requests handled by Pemco Customer Service on your behalf Chargeback Handling The number of chargebacks handled by Pemco Customer Service on your behalf Pre Compliance Handling The number of pre-compliance cases handled by Pemco Customer Service on your behalf MPS Authorization Number of authorizations requested through an MPS terminal MPS Settlement Number of items settled through an MPS terminal Airline (3000 – 3299) Count and dollar amount of transactions Car Rental (3300 – 3499) Count and dollar amount of transactions Hotel (3500 – 3999) Count and dollar amount of transactions Food/Mkt (5411, 5499) Count and dollar amount of transactions Gas (5541, 5542) Count and dollar amount of transactions Restaurant (5812) Count and dollar amount of transactions Mail/Telephone (Mail/Tel=1) Count and dollar amount of transactions E-Commerce (Mail/Tel, PSI) Count and dollar amount of transactions Electronics (5732) Count and dollar amount of transactions Warehouse Store (5200, 5300) Count and dollar amount of transactions Department Store (5311) Count and dollar amount of transactions Discount Store (5310) Count and dollar amount of transactions Auto Repair (7538) Count and dollar amount of transactions Recurring Trans (Recur PMT=R) Count and dollar amount of transactions Accts w/Trans Number of accounts with transactions Avg Trans/Acct Average number of transactions per account Special Services Shows additional charges/credits incurred Card Activation Labels Number of card activation labels ordered this month Additional information concerning field definitions and values can be found in Appendix A - Pemco/Visa Fields and Values.


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Chapter 3 Card and PIN Issuance

Overview

Pemco Technologies supports all phases of card/PIN issuance including card design, card stock manufacturing, embossing, encoding, card-mailer match and insert, mailer-envelope stuffing, PIN mailer printing, mailing, and secure card stock storage. We can issue a variety of card types including Visa, MasterCard, and ATM. All services are performed under dual control in a physically secured area approved by Visa and MasterCard. This chapter provides information and procedures concerning the issuance and maintenance of cards and PINs. It also provides details concerning inventory, supplies, and mailing options. You currently have four options to submit a card/PIN issue request: • Transmission by FTP • Magnetic Tape • Online through the Pemco Processing System • Fax

Card/PIN Issuance Procedures

Data Transmission Car/PIN Issue files are transmitted to Pemco using FTP (file transfer protocol). The file is then passed to our card/PIN manufacturing vendors for production and issuance. Card/PIN files transmitted to Pemco must include a header record. Header records are then modified by Pemco’s programming staff prior to production. Magnetic Tape Magnetic Tape card/PIN issue requests are shipped to Pemco on magnetic tape media. These requests are processed and issued in the same manner as a transmitted request.

Online Card/PIN Issue Financial institutions have the ability to issue cards online by the Pemco Processing System as explained in Training Topic 3.1. This process is used by institutions with VPN or dial-up access that require additional cards/PINs not included in their transmitted card/PIN file, or for institutions without the capability to transmit files. Fax This enables financial institutions to issue cards/PINs by faxing the information to Pemco Customer Service. Since the data from paper documents are keyed manually, there is an additional charge. All embossing and encoding standards remain the same.

Card/PIN Maintenance Procedures for Card Base Customers

If a financial institution is a Card Base customer, their cardholder accounts will be maintained directly on our system. Our system also provides informational reports and automates the re-issue of expiring cards. Training Topic 3.2 at the end of this chapter explains the procedure for Card Base maintenance. Card Expiration Report/Card Issue Name and Address Report A monthly Card Expiration Report and Card Issue Name and Address Report are sent prior to the reissue of expiring cards (Figures 3.2 and 3.3). The Card Expiration Report is sent approximately 60 days in advance of a card’s expiration. For example, if a card expires on 10/31/07, you will receive notification via the Card Expiration Report on 9/1/07. This gives you 30 days to review and determine any changes you wish to make prior to the automated reissue beginning 10/1/07. The reissue begins on the first business


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day of the month to insure cards are received in a timely manner. The Card Issue Name and Address Report is used to verify that cardholder data is accurate.

Card/PIN Maintenance Procedures for Non-Card Base Customers

If a financial institution uses their DP (Data Processor) to maintain cardholder data, maintenance to cardholder accounts will be performed on the DP’s system.

Reissue Expiration Date Procedures

When re-issuing a card you must determine if the new card should reflect the expiration date previously issued or a new expiration date. By advancing an expiration date you may be able to save the financial institution time and money in the future. For example, in July 2007, a cardholder asks for a new card to be sent since they have damaged their current card, which expires in November 2007. In this situation you may reissue the new card with the same November 2007 expiration date or push it out to November 2005 which will save time and expense. Reissues: Card Base Users Pemco Card Base customers automatically generate new cards on the automated reissue date. It is important to verify your cardholder data in the Pemco Card Base before the reissue occurs. The reports at the end of this chapter (Figures 3.2 and 3.3) will confirm if the information in the database is current and reliable. Non-Card Base Users Non-Card Base customers need to send a card/PIN issue file well in advance (30 days) of a card’s expiration date to insure timely delivery. Always make sure your cardholder data is up-to-date prior to creating your card/PIN issue files.

Standard Card/PIN Issue Schedule

Every business day at 5:00 p.m. Pacific Time we send all card/PIN issue files received to our manufacturers. Any file received after 5 p.m. Pacific Time will be sent with the next days files.

Priority File Card/PIN Issuance Procedures

A Priority File is a request to generate and deliver a new card/PIN the next business day. This is only accomplished by calling Pemco Customer Service and requesting a Priority File by 11:00 a.m. Pacific Time

Rush Card/PIN Issuance Procedures

Begin with the standard card/PIN issue request. Then modify the request from a standard issue to a rush request. This can be done two ways; enter your request for a rush on the 7.9 screen the same day you order the card; or call Pemco Customer Service by 11:00 a.m. Pacific Time the following day.

Card/PIN Issue Request Form The Card/PIN Issue Request form is designed to accommodate faxed card/PIN rush orders. The form has a line for each embossing field and provides the allowable number of characters for the embossing format. It also includes address information for mailing purposes.


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Inventories and Supplies Oberthur Card Systems for card/PIN production Financial Institutions receive a monthly inventory report detailing their card and insert inventory with Oberthur Systems.

Note: Pemco will assist you in monitoring your inventory, although the financial institution is ultimately responsible for maintaining a sufficient inventory supply. Inserts It is an option to have disclosures and/or other printed material inserted in the card envelope at the time the cards are issued. All inserts must conform to standards. Insert Specifications Size and Paper Weight: Inserts must be no larger than 8”X 3.5” (final folded size). Paperweight of folded documents must not exceed 24 pounds. Buck slips (one-panel documents) should be no less than 16 pounds.

Document Control: An Inventory Control Number (for institutions using Oberthur) must be present on card inserts, along with a revision date. Packaging: Shipments of supplies must be clearly marked with institution name, inventory control number (for institutions using Oberthur) and quantity. Shipments Inserts must be received one week prior to the intended date of use. Please notify Pemco Customer Service prior to the shipment. Envelopes, Cards, PIN Mailers We maintain stock of envelopes, cards, and PIN mailers, and can supply you with these items at no additional cost. If you would like to receive samples, or more information, please contact Pemco Customer Service, 1-800-881-7488. The envelopes are of standard dimensions and contain two windows for the cardholder address and the return address. Printed on the envelopes is a "Do Not Forward" message. The card mailers are standard Data Match stock with the cardholder account number, name, and address printed on the card mailer. There is space for a phone number if desired. The PIN mailers are a standard size and have both the cardholder’s address and the return address. The mailers are sealed with a perforation tear and include a "Do Not Forward" message printed on them. Financial institutions have the ability to customize their PIN mailers. Supply Shipments To arrange for shipments of plastics or paper goods, please call Pemco Customer Service, 1-800-881-7488.

Card Mailing Options

There are two regular options for mailing cards: Send issued cards directly to the cardholder Send issued cards to the financial institution We also have the ability to accommodate other mailing arrangements if necessary.


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Training Topics

Topic 3.1 - Card/PIN Issuance on the Pemco Processing System:

Screen 7.1.1 - Pemco Visa Card/PIN Issue This screen provides you with several issuing options and can calculate the check digit when creating a new card. If you are a Card Base customer, the current cardholder database information will populate the fields. Non-Card Base customers must enter all required information. The F1 key is used to jump to the Card Base Screen (7.1.2). Complete the following to issue a card, PIN or both: 1. Card Number – Enter the account number. If the 16th digit is unknown, use a “?”, then press <Enter>. The 16th digit will automatically populate. 2. Card Issue Option - Select the issue option. 3. Send PIN Mailer - Select “Y” for Yes or “N” for No. 4. Expiration MMYY – Enter the month and year the card(s) are to expire. 5. Check Guarantee - No longer used. 6. Address Line 1, 2, 3 – Enter the cardholder’s address. 7. Primary Cardholder Info – Enter mother’s maiden name, customer number, phone number, SSN or DOB depending on

participation in card activation. 8. Name 1 – Enter first name and middle initial, press <Tab> and type in last name. 9. Second Emboss Line – Enter business names or titles, as needed. Press <Enter>. 10. Nbr of Cards – Enter number of cards to issue, or leave blank to issue one card. 11. Press <Enter>, then <F12> to file the record.


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Topic 3.2 - Card/PIN Card Base Maintenance on the Pemco Processing System

Screen 7.1.2 - Pemco Card Base Update/Inquiry This screen maintains your card database and stores the data used for the automatic reissue of expiring cards. Card Base customers must first update this screen before issuing a card, unless a new card number is being issued. The F1 Key is used to jump to the Card Issue Screen (7.1.1). To update or inquire on an account in the database, complete the following: 1. Function: “C” for Change or “I” for Inquiry. 2. Enter Account Number. Press <Enter>. 3. Complete any necessary maintenance. (Note: When adding a joint cardholder, enter the number of cards as zero. When the card is ordered using the 7.1.1 screen the system will update the number of cards in the database to 1.) 4. Press <Enter>, then <F12> to file the record.

Pemco Reports and Field Descriptions

This is a listing of the Pemco Card/PIN Issue Reports. A sample copy of each report is provided along with field descriptions. Card/PIN Issue Report: (Figure 3.1) C1/C3/CV1/CVC/C1C/C3C/R1 - Transmitted orders 640/640R1 - Online orders These duplicate reports show all cards and PINs created by transmission and/or ordered by dial-up to the Pemco Processing System. Card Expiration Report: (Figure 3.2) 85R1 (Card Base Customers only) This report is created monthly and shows all cards expiring within 60 days. Card Issue Name and Address Report: (Figure 3.3) 80R1 (Card Base Customers only)


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This report is created weekly and shows basic cardholder information on the Pemco Processing System used for issuance. It is used to verify that your cardholder name and address information is current prior to a reissue. Card/PIN Issue Report: (Figure 3.1) Transmitted Orders ECV0129 CORPT001 11:58:14 CARD/PIN ISSUE REPORT

Pemco CORP RUN DATE 12/13/05 DATE FILE CREATED 12/13/05 PAGE 1 SEARCH CODE

CARD NUMBER

MEMBER NAME

ADDRESS

EXP DATE

NUM. CARDS

BATCH 1

VISA

CLASSIC

W/ PIN MAILER

CCFORM#111

CARD ACT

000001 JOHN VISA 123 MAIN ST. SUNNY, CA

12/07 01

000002 JANE DOE 456 HOME AVE. HAPPY, WA

12/07 01

000003 SALLY JONES JO JONES

88 FARM DR. GOODCITY, WA

12/08 01

BATCH 2

VISA

GOLD

NO PIN MAILER

CCFORM#11

CARD ACT

000001 JO Pemco 55 VISA LN GREEN, WA

12/07 01

BIN TOTAL RECORDS 5 BIN TOTAL REG. CARDS 5 BIN TOTAL MINI CARDS 0 BIN TOTAL CARD MAILERS 4 BIN TOTAL PINS 3 BIN TOTAL PIN MAILERS 3 BIN TOTAL INLINE PRINT 0

Online Orders ECC640R1 CARD/PIN ISSUE REPORT Pemco RUN DATE FILE CREATED: 12/13/05 PAGE 1 CODE CARD NO. NAME ADDRESS EXP DATE CARD TYPE NBR OF

CARDS PIN USER

ID VISA CLASSIC W/ PIN MAILER FORM#111 CARD ACT

000001 AL Pemco SUE Pemco

1 PARK ST. SEATTLE, WA

12/07 01 01 01

Y MCC

BATCH TOTALS FOR VISA CLASSIC W/ PIN: DETAIL RECORDS 2 CARDS REQUESTED 2 CARD MAILERS 1 PINS REQUESTED 1 PIN MAILERS 1 GRAND TOTALS FOR BIN DETAIL RECORDS 2 CARDS REQUESTED 2 CARD MAILERS 1 PIN REQUESTS 1 PIN MAILERS 1


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Field Name Definition/Description Run Date Date the card(s) were transmitted to Pemco Date File Created Date card-issue file was created Search Code The record count of each card issued Card Number The 16-digit cardholder account number Member Name Cardholder’s name Address Cardholder’s address and where card(s) will be sent unless otherwise requested Expiration Date Month and year the card(s) are due to expire. Card Type Your institution's identifying code for the type of card(s) issued; i.e., credit, debit, etc. Number Of Cards The number of card(s) issued for each cardholder. PIN Indicates if a PIN was issued. (Y or N) User ID (640R1 only) The ID of the person issuing a card/PIN by the Pemco Processing System Screen 7.1.1. Batch Describes if there are cards, PINs, and PIN mailers and what type of cards issued. Total Records The total number of records. Total Cards The total cards issued. Total Cards Mailers The total number of mailers used in mailing cardholder accounts. Total PINs The total number of PINs created. Total PIN Mailers The total number of PIN mailers. Card Expiration Report: (Figure 3.2) Card base Customers Only


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12/01/05 CARD EXPIRATION REPORT CARDS EXPIRING 01/06 ECC685-R1 BIN 4XXXXX LAST-NAME FIRST-NAME ADDR-LINE-1 ADDR-LINE-2 NUM-CARDS ACCT-NUM DOE JANE 123 MAIN ST. SEATTLE, WA 01 4000 0000 0000 0000 SMITH BILL 456 PARK PL SEATTLE, WA 01 4000 0011 1111 1111 NUMBER OF ACCOUNTS 02

Field Name Definition/Description Cards Expiring The month and year the cards are to expire. Last Name The cardholder’s last name. First Name The cardholder’s first name. Addr. Line 1 The street address w here the reissued card will be mailed. Addr. Line 2 The city, state, and zip where the reissued card will be mailed. Num. Cards The number of cards to reissue. Card Number The account number being reissued. Number of Accounts The total number of accounts being reissued for the month. Card Issue Name and Address Report: (Figure 3.3) Card Base Customers Only 12/16/05 POWERLINK CARD ISSUE NAME AND ADDRESS ECC680R1 BIN 400000 LAST NAME FIRST ADDRESS LINE 1 & 3 ADDRESS LINE 2 EXPIRE CARD # BLOCK/CODE/DATE DOE JANE 123 HOME ST. APT. 2 01/07 40000000000 SEATTLE, WA SMITH BOB 411 MAIN ST 01/07 400000111111 05 11/01/05 SEATTLE, WA JONES SUZIE 11 HAPPY AVE SUITE 1 02/07 400000222222 SEATTLE, WA TOTAL ACTIVE ACCOUNTS 02 TOTAL BLOCKED ACCOUNTS 01

Card Issue Name and Address Report Key: (Figure 3.3) Field Name Definition/Description

Last-Name Cardholder’s last name


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First-Name Cardholder’s first name Addr-Line1 Cardholder’s street address Addr-Line2 Cardholder’s city, state, and zip Exp-Date The expiration date of the card currently issued Card-Number The card number of card currently issued Pemco/Oberthur Inventory Supply Report: (Figure 3.4)

Pemco TECHNOLOGIES PAGE 1 INVENTORY ACTIVITY REPORT

MONTH YEAR

CUSTOMER NAME CUST # - - - - - - - - - - - - - - - - - - - - - - - - - - - - THE CREDIT UNION 000001 Pemco CORP 993 CUSTOMER ITEM OCS ITEM ITEM TYPE REFERENCE DECS. PROPERTIES NUMBER ACTIVITY OCCERENCES QUANTITY - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - CARD 123456 VISA GOLD VISA *DEBIT* 223344 LAST REC’D 08/01/05 BEGINNING BALANCE:1,103 COMPLIANT LAST USED 10/01/05 ENDING BALANCE:1,103 HIGH COERCIVITY MAG STRIPE CARD 345678 VISA GOLD W/ ACTIVATION 335599 LAST REC’D 06/01/05 6 BEGINNING BALANCE: 100 LABEL LAST USED: 11/05/05 ENDING BALANCE: 94 INSERT 124578 PLEASE READ BEFORE 114477 LAST REC’D 05/01/05 1 BEGINNING BALANCE: 52 USING… LAST USED: 11/22/05 ENDING BALANCE: 51

***END OF REPORT***

Field Name Definition/Description Customer Name The institution’s name Cust # Institution’s customer number with Oberthur Item Type Indicates if the item is a card, insert, carrier, or envelope Customer Reference The first four digits of the card BIN Item Description Defines the type of item Item Properties Defines the characteristics of the item Oberthur Item # Displays the Oberthur inventory number and date the item was last used Activity As follows: Activity Description Activation Activation label application. Count Adj Physical count adjustment. Cust. Req. Customer request (samples, return of inserts). Destroy Destruction of item.


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Emboss use Usage associated with embossing (cards and paper). Hot Stamp Hot stamp application. PIN Mailer PIN mailer usage. Pull & Rtn Pull and return to inventory. Pull/Dstry Pull and destroy. Receipt Receipt of card and/or paper good item into inventory. Scrap The scrap of damaged or obsolete items. Occurrences The total number of occurrences for each activity. Quantity The quantity for beginning balance, emboss use, and ending balance. Additional information concerning field definitions and values can be found in Appendix A - Pemco/Visa Fields and Values at the end of this manual.

Card/PIN Issuance Audit

All financial institutions are responsible for card/pin issue report auditing. All card/pin issue reports must be compared to financial institution records to verify correctness. Any and all discrepancies must be brought to the attention of Pemco’s customer service manager so we can then investigate the discrepancy.


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Chapter 4 Authorizations

Overview

This chapter provides an overview of procedures related to authorization processing on the Pemco Processing System as well as the different authorization options.

Authorization Processing

Pemco offers three different authorization processing options: • Positive File § Negative File (only used in emergency situations) § Online Authorization. Each method has different features, controls, and parameters that you select to best suit your financial institutions needs. Positive File The positive file contains a member’s 16-digit card number, balance, expiration date, and status code(s). When a member uses a card, the authorization request is passed from Visa to Pemco. Pemco then queries the positive balance file for the sufficient funds and account status to determine the authorization response. Transmitting your Positive File to Pemco is the same as sending your card issue files. The Positive File is created using your in-house data processor. Once the file is created you will transmit it to Pemco using FTP. If a transmission fails, a Pemco customer service representative will contact you immediately. The failed file will be discarded. Negative File The authorization function for the Negative File is created using status code information such as blocked cards. This file type also uses daily spending parameters for dollar amounts and number of transactions that are individually tailored to meet each institution's needs. Actual cardholder balances are not used. Institutions using Negative Balance File do not transmit a file to Pemco on a daily basis. This method is only used on an emergency basis. Online Authorization (VPN) Virtual Private Network (VPN) is used to connect your network to Pemco. With online authorizations your financial institution is authorizing or declining the authorizations on a real-time basis. This eliminates the need to provide a Positive File on a daily basis (although updating your Positive File is recommended as a backup in the event of a lost connection). The advantage of the Online Authorization method is the ability to immediately recognize payments, deposits, and withdrawals made by the member. Contact Pemco Customer Service for more information concerning all of the available authorization methods.

Action Codes

Action codes (block codes) identify the status of each account to the authorization network. Most action codes place a predetermined decline response on a card. Appendix A - Pemco/Visa Fields and Values lists all Visa action codes. The Pemco Authorization System uses the Visa action codes, which eliminate the need to convert and translate between Visa action codes and your system’s action codes. The use of Visa action codes provide a more efficient operation through simplification and consistency between your institution, Pemco, and Visa.


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Pemco Products and Services

The VisaNet Exception file contains all blocked accounts. The exception file resides at Visa and is updated automatically by the Pemco system anytime you block a cardholder’s account. This insures the most up to date response to authorization requests in the event Pemco is unavailable.

Authorization File Maintenance

Positive File Block requests, such as lost or stolen cards, should be updated immediately. The status may be updated online using the Pemco Processing System or by calling Pemco Customer Service. Your in-house data processing system must also be updated with the block code. Failure to update the account in your positive file may result in the block code being removed from the Pemco system. If you have access to the Pemco Processing System, you will be able to perform the following maintenance procedures: View Authorizations - Training Topic 4.1 Update an Available Balance - Training Topic 4.2 Block Account via Pemco - Training Topic 4.2 Perform an Authorization or Reversal - Training Topic 4.3 Negative File Negative File users can use to the Pemco Processing System or call Pemco Customer Service for account updates.

Online Authorizations The Online Authorization method relies on your data processing system to provide authorization responses. Consequently, cardholder accounts must be maintained on your system to insure that members receive appropriate responses. You must also update the Pemco Processing System with any changes to cardholder accounts in the event that Pemco needs to provide stand-in processing.

Maintaining your system and the Pemco Processing System in a parallel manner prevents the exposure of erroneous authorization approvals when your system or connection is down and Pemco or Visa is standing in.

If the online authorization connection goes down Pemco uses the Positive Balance File for stand-in processing. If Pemco stands in for authorizations when you are unavailable, we will store and forward any approved authorizations when connection is restored. Pemco also stands in for any authorizations your data processor doesn’t respond to within five seconds.


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Training Topics Topic 4.1 – Viewing an Authorization

Topic 4.1 – PowerLink Visa Authorization Inquiry Screen (1.1.1)

This screen enables you to search for all authorization attempts in the past 45 days. You are able to search by card number and BIN. To inquire on accounts in the authorization file, complete the following: 1. Prim Acct#: Enter the 16-digit card number (leave blank if searching by BIN) 2. Search on BIN: Enter your six-digit BIN (leave blank if searching by card number) 3. DT (YYMMDD): Enter the search date range 4. Auth Type: Select transaction type to narrow search (optional) 5. Result: Select the decision type to narrow search (optional) 6. Press <Enter> Note: You can further refine your search by entering values in the Action Code and M-Catg (Merchant Category Code) fields.


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Topic 4.1 - PowerLink Visa Authorization Inquiry Screen (1.1.1)

Top Row: Auth #: Authorization Number Acct #: 16-digit Account Number Date: Authorization Attempt Date (MMDDYY) Time: Authorization Attempt Time (Pacific Standard & Military Time) POS: POS Entry Mode Amount: Authorization Dollar Amount Tran Type: Who Authorized the Transaction Action CD: Approval or Decline Code Bottom Row: M-Catg - Merchant Category Code Name/Location - Merchan’s Name and Location Result Description - Authorization Attempt Result Note: Values for the codes represented can be found in Appendix A - Pemco/Visa Fields and Values or the Visa U.S.A. Operating Regulations.


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Topic 4.1 - PowerLink Visa Authorization Positive Limits File Screen (1.1.3)

This screen allows you to inquire and modify any account on your positive balance file. Topic 4.2. – Updating an available balance 1. Function: Enter a “C” for Change 2. Acct#: Enter the 16-digit Card Number 3. Press <Enter> 4. Checking Acct: Enter the new available amount in whole dollars (no decimals) under the amount heading, space through the previous amount, and press <Enter> to verify. (Note: Available amounts can be updated in the Checking, Savings, or Credit Line fields depending on the setup and type of your card program.) 5. Press <F12> to file the record Topic 4.2 – To block an account: 1.........................................................................................Function: Enter “C” for Change 2.........................................................................................Acct #: Enter the 16-digit Card Number 3.........................................................................................Press <Enter> 4.........................................................................................Action Code: Enter the Desired Block Code 5.........................................................................................Purge MMYY: Enter the Card’s Expiration Date 6.........................................................................................Press <Enter>, the F12 to File


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Topic 4.3 - PowerLink Visa Authorization Request Screen (1.1.6)

Topic 4.3 – To perform an authorization/reversal

1. Req. Type: Enter a “1” for Cash, “2” for Purchase, or “4” for a Reversal 2. Acct#: Enter the 16-digit Card Number 3. Exp date: Enter the Card’s Expiration Date (MMYY) 4. Amt: Enter the Dollar Amount 5. Press <Enter>, then <F12> to transmit the request The authorization response returned from Visa will display across the bottom of the screen.

Pemco Technologies Reports and Field Descriptions

This is a listing of the Pemco reports that are available pertaining to authorizations. A sample copy of each report is provided along with a brief description of the fields. Positive File Maintenance Listing Exception Report (Figure 4.1): This daily report lists the total accounts added, changed, or deleted from the Pemco Exception File and errors that cannot write to the Positive File by transmission. VIC Exception File Online Maintenance Journal Report (Figure 4.2): This daily report shows all maintenance performed on the VisaNet Exception File using the Pemco Processing System. Positive Limits Online Maintenance Journal Report (Figure 4.3): This daily report shows all the maintenance performed on the Positive File for your cardholders using the Pemco Processing System. Authorization Listing Report (Figure 4.4): This daily report lists all authorization attempts for the previous day.


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Positive File Maintenance Listing Exception Report (Figure 4.1)

Field Name Definition/Description Update Process File Type (Update = update the accounts listed, Refresh = update the entire file) Update Type Action Type [values are Add, Change (Chg), or Delete (Del)] Primary Account 16-digit card number Error Description Defines the Record Error Action Code “Sent” Update Action Code

Action Code “Old” Previous Action Code Purge Date Date the Action Code is removed from the Visa Exception File

Totals For BIN Sum of all conditions in the file received


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VisaNet Exception File Online Maintenance Journal (Figure 4.2) ECV023R1 01/10/06 02:22 POWERLINK VISA CUSTOMER SERVICE PAGE 1 VISANET EXCEPTION FILE ONLINE MAINTENANCE JOURNAL BIN NUMBER ACCOUNT NUMBER

FUNCTION DATE TIME SCREEN USED

USER ID INSTITUTION SOURCE

ACTION PURGE

CODE MMYY CRB REGION ADD 01/07/0

6 15:16:32 6.3 MCCOUG 05 0806 0

VIC RESPONSE CODE = 00SCREEN MESSAGE = 0108 VISA EXCEPTION FILE HAS BEEN UPDATED PRESS ENTER TO CONTINUE

ACCOUNT NUMBER

FUNCTION DATE TIME SCREEN USED

USER ID INSTITUTION SOURCE

ACTION PURGE

CODE MMYY CRB REGION DELETE 01/07/06 11:10:0

1 1.1.3 MACRAB

VIC RESPONSE CODE = 00SCREEN MESSAGE = 0233 VISA EXCEPTION FILE RECORD DELETED PRESS ENTER TO CONTINUE

Field Name Definition/Description Account Number 16-digit card number Function Type of Maintenance Performed. Date Date of Maintenance Time Time of Maintenance Screen Used Screen Used to Perform the Maintenance User ID Person who Performed Maintenance Institution Source Field Not Used Action Code New Action Code to be Listed on the Account

Purge MMYY Date the Card is purged from the Exception File

CRB Regions Card Recovery Bulletin Status of the Account VIC Response Code Response sent by Visa Message Screen Message Indicates the Exception File is updated


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Positive Limits Online Maintenance Journal (Figure 4.3) ECV021R1 01/10/06 02:22 POWERLINK VISA CUSTOMER SERVICE PAGE 1 POSITIVE LIMITS ONLINE MAINTENANCE JOURNAL BIN NUMBER ------------------------------------------------------------------------------------------------------------------------------------------------------------------ CALLER *** PREVIOUS MODIFICATION *** ACCOUNT NUMBER FUNCTION DATE TIME USER ID USER ID DATE TIME USER ID CHANGE 01/09/2006 11:11:46 NAWATE JXCASE 01/09/2006 10:56:42 EC0VI20P SHORT FIRST EXPR BLOCK/ ACTION PURGE LIMIT PIN VBV LAST NAME INITIAL MMYY RECLASS CODE MMYY IND CRB REGIONS AVS DATA RST RST BEFORE BUDA L 0306 00 N 13205- -131 AFTER BUDA L 0306 00 N 13205- -131 CHECKING AMT SAVINGS AMT CREDIT AMT TRANSACTIONS REVERSALS ADVICES AVAILABLE AVAILABLE AVAILABLE CNT AMOUNT CNT AMOUNT CNT AMOUNT BEFORE 0 0 627 2 453 0 0 0 0 AFTER 0 0 691 2 453 0 0 0 0 ***********

Field Name Definition/Description Account Number 6-digit Card Number Function Type of Maintenance Date Date of Maintenance Time Time of Maintenance User ID User ID of the Individual that Performed the Maintenance

Short Last Name Cardholder’s Last Name First Initial Cardholder’s First Initial Expr MMYY Expiration Date Block/Reclass Block and Reclass Code Action Code Action Code List on the Account Purge MMYY Date the Block is Purged from the Exception File CRB Regions Card Recovery Bulletin Status Confirm# Number Returned by Pemco to Confirm the Update Previous Modification: Date Date of the Previous Modification to the Account Time Time of the Previous Modification to the Account User ID User or Report that Previously Modified the Account Authorization Listing Report: (Figure 4.4)


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Field Name Definition/Description Primary Account 6-digit Card Number Date Date of the Authorization Time Time of the Authorization Tran Amount Amount of the Authorization Msg Type Code Identifying the Transaction Type Auth Num Authorization Number Action Code Authorization Decline Code Merchant Type Merchant Category Code POS Mode POS Entry Mode Code Merchant Name/Location Merchant Name and Location Additional information concerning field definitions and values can be found in the Appendix A - Pemco/Visa Fields and Values at the end of this manual.


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Chapter 5 Lost and Stolen Cards

Overview This chapter explains the procedures and responsibilities that exist in handling lost and stolen cards.

Blocking a Card To prevent your financial institution from potential fraud it is necessary to block all lost or stolen cards immediately. The card should remain blocked until the card expires. When a card is blocked with Pemco, the VisaNet Exception File is automatically updated. This provides Visa with the information needed when performing stand-in processing. Additionally, cards may be blocked in the Card Recovery Bulletin (CRB). The CRB covers different geographical areas outside the United States. Listing a card number in a CRB region gives you chargeback rights on transactions below a merchant’s floor limit. CRB Region codes can be found in Appendix A. Cards can be blocked by either entering the block code on the Pemco system or by calling our Customer Service Department. Our Customer Service Department can be reached by calling, (206) 352-3500 or (800) 881-7488. The Customer Service Department is available from 5:00 a.m. to 6:00 p.m. Pacific Time. Training Topics 5.1 and 5.2 at the end of this chapter explain the procedures for blocking cards on the Pemco system.

Using the Automated Lost/Stolen Service

Lost and stolen cards can always be reported using our Automated Lost/Stolen Service by calling (800) 682-6075. This service is available 24 hours a day, seven days a week. The Automated Lost/Stolen Reporting Service will block the account, update the VisaNet Exception File, and e-mail notification to your institution.

Automated Lost/Stolen System Menu 1. Enter your 16-digit card number followed by the pound (#) sign. If the card number is unknown, press star (*) at any time to be transferred to a representative. 2. If the card number entered is not on file you will hear the following message: The card number you entered is not on file. Please reenter your card number or press the star (*) key to be transferred to a representative. (This will repeat three times then automatically default to a representative.) If the card number is on file they will hear the following options: If your card has been lost, press 1. If your card has been stolen, press 2. 3. After successfully reporting the card lost or stolen they will hear the following message: Your card number is now blocked. All cards with this number are blocked at this time. Please call your financial institution to request a replacement card. Thank you for calling. If the system is unavailable, they will hear the following message: Our automated system is unavailable; please stay on the line for a representative.


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Pemco is not liable for any transactions occurring between the time the card was lost or stolen and the time it is reported

Updating the VisaNet Exception File The VisaNet Exception File is Visa’s electronic listing of all blocked cards. It is updated every time a card is blocked on the Pemco system and is used to prevent authorizations.

Updating the Card Recovery Bulletin (CRB) The Card Recovery Bulletin lists all cards blocked in a particular region. The bulletin is produced from the accounts contained in the VisaNet Exception File marked with a CRB Region code. CRB Regions are geographical areas outside the United States that are divided into various regions. To list a card number in the bulletin you must enter the appropriate CRB Region code(s) on the Pemco system. CRB Region codes are listed in Appendix A.

Additional Lost/Stolen Information

Merchant Rewards Cash rewards are given to merchants who retain a card when an authorization attempt results in a pick-up response. The reward is paid by your financial institution and collected via transaction code 10 (T/C 10) through the normal Visa settlement. Report Retention It is your responsibility to retain and store all reports and forms relating to lost, stolen, and fraudulently used cards. Pemco retains records for you on a limited basis; consider them only a backup to your retention responsibilities.

Maintenance History Screen The Account Maintenance History Screen (1.5) allows you to view detailed information concerning account block history. Training Topic 5.4 explains the procedures for utilizing the Pemco Account Maintenance History Screen.


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Training Topics

Topic 5.1 – Blocking Accounts on the Positive Balance File via Pemco

Topic 5.1 - PowerLink Visa Authorization Positive File (1.1.3 Screen)

How to block an account:

1. Function: Enter “C” for Change 2. Account Number: Enter the 16-digit card number, press <Enter> 3. Action Code: Enter the appropriate action code 4. Purge Date: Enter the expiration date of the card 5. CRB Region: Enter the appropriate CRB Region code (not required) 6. Press <Enter>, then <F12> to file and update the VisaNet Exception File


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Topic 5.2 –Inquiring on the VisaNet Exception File Topic 5.2 - PowerLink Visanet Exception File (1.1.7 Screen)

This screen allows financial institutions to verify a card is blocked on the VisaNet Exception File.

How to inquire on the VisaNet Exception File: 1. Function: Enter “I” for Inquiry 2. Account Number: Enter the 16-digit card number 3. Press <Enter> 4. Press <F12> to send the inquiry to Visa If the card is listed on the VisaNet Exception File, you will see block information in one or all of the following fields: Action Code, Purge MMYY, CRB Regions. If the card is not blocked on the VisaNet Exception File, you will receive the message: Account Number not on File.


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Topic 5.3 - Pemco Visa Account Maintenance History (1.5)

This screen allows financial institutions to view a card’s block history. This screen shows all blocks placed on a card. How to research the block history: 1. Prim Acct#: Enter the 16-digit card number 2. Search on History Type: Enter “B” for block codes 3. Press <Enter>


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Topic 5.4 - Pemco Visa Account Maintenance History cont.

If the account has been blocked previously you will see the following: Name: Cardholder Name Date: Date of maintenance Time: Time of maintenance Action CD Old: Previous action code Action CD New: New action code Changed By: User ID of person who performed the maintenance Method: Screen used to perform the maintenance Visa Updte: Conclusion of the status update to Visa Expire Date: Expiration date of card Purge Date: Date the block will be removed from the VisaNet System


This is a listing of Pemco reports available that pertain to lost or stolen cards. Accounts Reported Lost or Stolen by VRU: This report shows any account blocked by the Automated Lost/Stolen Reporting System. The report details the account number, time of call and whether the account was reported lost or stolen. It also provides the date and time of the last authorization on the account. Positive Limits Online Maintenance: This report shows all maintenance performed on the Positive File for your cardholders using the Pemco system. Exception File Online Maintenance: This report shows all maintenance performed on the VisaNet Exception File using the Pemco system. Figure 5.1 - Accounts Reported Lost of Stolen by VRU (677R1)


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ECC677R1 01/10/06 01:32:42 LOST/STOLEN REPORT FOR 01/09/2006 Pemco CORPORATION BIN CARD N0

TIME OF CALL

CARD REPORTED

NETWK

METHOD

MOST RECENT AUTH IN THE LAST 10 DAYS

09:26:24 STOLEN PHONE 01/08/2006 11:01:06 BED BATH & BEYOND SEATTLE

10:08:09 LOST PHONE 01/07/2006 20:13:49 SCHUCK’S #123 TACOMA

Field Description Card Number: 16-digit Card Number Time of Call: Time the Report was made Card Reported: Type of Block placed on the Card Netwk: Network(s) Updated Method: Method used to Block the Card Most Recent Authorization Details the Most Recent Authorization in last 10 Days


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Figure 5.2 - Positive Limits Online Maintenance Journal (021R1) ECV021R1 01/10/06 02:22 POWERLINK VISA CUSTOMER SERVICE PAGE 1 POSITIVE LIMITS ONLINE MAINTENANCE JOURNAL BIN NUMBER ------------------------------------------------------------------------------------------------------------------------------------------------------------------ CALLER *** PREVIOUS MODIFICATION *** ACCOUNT NUMBER FUNCTION DATE TIME USER ID USER ID DATE TIME USER ID CHANGE 01/09/2006 11:11:46 NAWATE JXCASE 01/09/2006 10:56:42 EC0VI20P SHORT FIRST EXPR BLOCK/ ACTION PURGE LIMIT PIN VBV LAST NAME INITIAL MMYY RECLASS CODE MMYY IND CRB REGIONS AVS DATA RST RST BEFORE BUDA L 0306 00 N 13205- -131 AFTER BUDA L 0306 00 N 13205- -131 CHECKING AMT SAVINGS AMT CREDIT AMT TRANSACTIONS REVERSALS ADVICES AVAILABLE AVAILABLE AVAILABLE CNT AMOUNT CNT AMOUNT CNT AMOUNT BEFORE 0 0 627 2 453 0 0 0 0 AFTER 0 0 691 2 453 0 0 0 0 ***********

Field Description Account Number: 16-digit Card Number Function: Type of Modification Date: Modification Date Time: Modification Time User ID: Identifies the Modifier Caller User ID: Person Requesting Modification Previous Modification: Details Previous Modification Before: Details a Field’s Content before Modification After: Details a Field’s Content after Modification


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Figure 5.3 - Exception File Online Maintenance (023R1)

Field Description Account Number: 16-digit Card Number Function: Type of Modification Date: Date of Modification Time: Time of Modification Screen Used Method of Modification User ID: Identifies Modifier Institution Source: Action Code: Type of Block place on the Account Purge MMYY: Date the Block is removed from the Exception File CRB Regions: Identifies if the Card is blocked in any CRB Regions Additional information concerning field definitions and values are found in Appendix A - Pemco/Visa Fields and Values.


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Chapter 6 Back-Office Functions

Overview

The procedures in this chapter explain the work flow for the following functions: • Draft Copy Request Procedures • Visa Chargeback Procedures • Transaction Reversal Procedures • Fee Collection/Fund Disbursement Procedures • Cash Advance Procedures • Accessing the Pemco Processing System • Visa Draft-Retrieval Procedures

Requesting a Draft Copy

Financial institutions are able to request draft copies from Visa using the Visa Settlement Retrieval Request Screen (1.2.3). Training Topic 6.1 explains this procedure. If you are requesting a copy for a transaction that was processed through a previous processor you will need a copy of the transaction detail report to manually enter the request. Financial institutions that don’t use the Pemco Processing System must contact Customer Service, 1-800-881-7488, and ask a representative to order a draft copy on their behalf. Entry Rejects If Visa rejects the draft copy retrieval request for any reason, the Visa edit package will produce a report (Figure 6.8) detailing all errors. This report is sent by PTSI Mail and is also available through OnDemand. Visa Draft-Retrieval Time Frames Refer to the Visa Operating Regulations Volume I and II for the most current draft copy time frames. Receipt of Copy Requests All draft copies are received at Pemco on the Visa Copy Request Fulfillment Station (VCRFS) located at Pemco each morning. Once received we automatically fax them to your financial institution.

When Pemco Processes your Chargeback

If Pemco processes your chargebacks you will be assigned a chargeback representative who will work directly with you on each chargeback. Each time a member disputes a transaction you just need to fax all cardholder dispute information to your chargeback representative. Your representative will review all of the information and proceed accordingly.

Financial Institution Processes Chargebacks

When processing your own chargebacks complete the following steps: • Ask the cardholder if they have attempted to resolve the dispute with the merchant. • Have the cardholder write a detailed letter describing the dispute. • Inform the cardholder that they will receive a provisional credit on their account. • Research the dispute and decide if there is a chargeback right. • Enter the chargeback on the Pemco Processing System (Training Topic 6.2). • Notify cardholder of disputes outcome.


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Chargeback Process

Second Presentment As the issuer, you may receive a second presentment resulting from a chargeback you sent to an acquirer. The second presentment is listed on the exception items report as a representment. You will receive supporting documentation electronically from the acquirer, if applicable. You then need to read all documentation and decide if you can proceed with the dispute. You are responsible for making any cardholder account adjustments. Pre-Arbitration If the representment is invalid or more information has become available the issuer may send a pre-arbitration letter requesting the acquirer to return the money. You must give the acquirer 30-days before proceeding further. Arbitration As the Issuer you have the right to take the dispute to arbitration if you are not satisfied with the outcome of the chargeback. Arbitration is when both sides (Issuer and Acquirer) send all of their supporting documentation to Visa where an arbitration team w ill decide the outcome. Please see Visa Operating Regulation Volume I and II for arbitration time frames and fees. Chargeback Time Frames Refer to the Visa Operating Regulations Volume I and II for the current chargeback time frame information. Supporting Documentation Refer to the Visa Operating Regulations Volume I for details of what each reason code requires for supporting documentation. Additional Chargeback Information Pemco provides dispute tracking reports that detail all chargebacks and copy requests as well as when each is time frame is expired. If you receive a representment, do not adjust the member’s account until you have reviewed the representment with a Pemco representative.

Transaction Reversal Procedures

Financial institutions have the ability to reverse any transaction that you or someone on your behalf generates. The same screen used to initiate the transaction is used to reverse the transaction. The reason codes used for reversals differ from those used for chargebacks. Training Topic 6.2 explains the procedure for performing transaction reversals on the Pemco Processing System. Appendix A - Pemco/Visa Fields and Values provides the appropriate reversal reason codes.

Fee Collection/Funds Disbursement Procedures

As an issuer, you can collect fees or disburse funds to and from other institutions. Refer to the Visa Operating Regulations for a list of the fee collection and funds disbursement items, reason codes, dollar amounts, and documentation requirements. If you don’t have access to the Pemco Processing System, please contact customer service to complete your fee collections and funds disbursements. Training Topic 6.3 explains the procedure for performing fee collections/funds disbursements on the Pemco System.


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Cash Advance Procedures

Teller: When a cardholder requests a cash advance (manual-cash disbursement), the teller must ask to see one piece of photo identification to ensure the recipient is the cardholder. The ID must be a current official government identification document (i.e., passport or driver’s license) that bears the cardholder’s signature. Compare the signature on the cash disbursement draft with the signature on the ID. A description of the identification must be included on the cash disbursement draft. Printed Four-Digit BIN: When a cardholder presents a Visa card, you must compare the first four digits of the embossed card number to the four digits printed below on the card. These numbers must match. Before continuing with the cash advance, write the printed four digits on the draft in the space provided. If the printed four digits don’t match the embossed four digits, retain the card if possible and call Pemco Customer Service for further instructions. Expiration Date: The presented card must have a valid expiration date. If the card has an embossed “valid from” date and the transaction date is prior to the “valid from” date, do not complete the transaction. When the card is embossed with the “valid from” date in a month and year format, the card is valid on the first day of the embossed month and year. When a card is embossed with a “valid from” date in a month, day, and year format, the card is considered to be valid on the embossed date. Completing the Cash Advance: After validating the card, get an authorization for the transaction amount, an imprint of the card, and the cardholder’s signature. Dispense the cash along with the card and receipt. If your cash advance terminal doesn’t automatically settle at the end of the business day you must remember to settle the transaction on the Pemco system (See Training Topic 6.4) or call Customer Service to have a representative settle it. The outgoing cash advance will post as a credit in the next days’ daily interchange. Authorization Options 1. Electronic Point of Sale Terminal. 2. Voice Authorization from Pemco Customer Service. 3. Authorization from the Pemco System screens (See Training Topic 6.4). 4. If Pemco Customer Service is unavailable, get a voice authorization from Visa at 1-800-688-2777. Record the authorization number if approved. If the authorization is declined, give the card back to the cardholder and inform them of the decision. If the cardholder wants to know the reason for the decline, instruct them to contact their issuing institution. If the decline response is related to fraudulent activity or you’re suspicious of the transaction, call our Customer Service Department for further instructions. In the metropolitan Seattle area, call 206-352-3500. From all other areas in the continental United States, call 1-800-881-7488, press 2. Suspicious Transactions (Code 10): If you should become suspicious for any reason, call our Customer Service Department and request a “Code 10” authorization. A “Code 10” identifies a suspicious concern to our Customer Service Department without alarming the cardholder. We will guide you through the authorization process. Cash Advance Supplies: Electronic POS terminals, manual imprint machines, and cash disbursement draft forms can be purchased directly from Pemco. Please contact customer service for availability and pricing. Visa Signs and Decals: Visa signs and decals can be displayed in any of your locations to advertise your Visa program. Typically, they are displayed at the teller windows, ATMs, drive-through, or wherever cash advance transactions are performed. Tent signs measure 3 1/4” by 2 3/8”. The cost for each tent sign is $0.90. Visa decals are measure 2 5/8” by 4 3/4.” The cost of each decal is $0.70.


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Training Topics

Topic 6.1 –Requesting a Copy Request on Pemco Topic 6.1 -PowerLink Visa Settlement Retrieval Request Transaction Screen (1.2.3)

The 1.2.3 screen allows you to search for an incoming, outgoing, or pending transaction. How to search for a transaction: 1. Account Number: Enter the 16-digit card number 2. Amount: Enter the transaction amount (optional) 3. Reference Number: Enter the transaction 23-digit reference number (optional) 4. Tran Code: Enter the transaction code (optional) 5. Pemco MMDDYY: Enter the transaction date range (optional) 6. Press <Enter> Note: The F11 allows for manual entry of a Retrieval Request.


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Topic 6.1 Cont.

If more than one transaction is found after entering your selection criteria, this screen will appear with a list of transactions. To retrieve the desired transaction, position the cursor next to the desired transaction and press <Enter>. Topic 6.1 Cont.

This screen allows you to initiate a draft retrieval request. Topic 6.2 - How to Initiate a Draft Retrieval Request: 1. Tran Code: Enter Appropriate Transaction Code (Defaults to 52) 2. Reason Code: Enter Appropriate Reason Code (Defaults to 33) 3. Issuer Control Number: Enter Issuer Control Number (Optional) 4. Contact for Info: Enter Contact Name 5. Fax Number: Enter Contact Fax Number 6. Press <Enter>, then <F12> to file


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Topic 6.2 - PowerLink Visa Settlement Chargeback/Chargeback Reversal Screen (1.2.2)

This screen allows you to search original transactions when preparing to process a chargeback or transaction reversal. How to search for a transaction: 1. Account Number: Enter the 16-digit card number 2. Amount: Enter the transaction amount (optional) 3. Reference Number: Enter the transaction 23-digit reference number (optional) 4. Tran Code: Enter the transaction code (optional) 5. Pemco MMDDYY: Enter the transaction date range (optional) 6. Press <Enter> Note: The F11 allows for manual entry of a Retrieval Request. Topic 6.2 Cont.

If more than one transaction is found after entering your selection criteria, this screen will appear with a list of transactions. To retrieve the desired transaction, position the cursor next to the desired transaction and press <Enter> Topic 6.2 - Performing a Chargeback/Transaction Reversal on Pemco cont.


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How to Initiate a Chargeback or Transaction Reversal: 1. Tran Code: Enter the appropriate Transaction Code (defaults to 15) 2. Reason Code: Enter the appropriate Chargeback Code or Transaction Reversal Code 3. Usage Code: Enter the appropriate Usage Code (defaults to 1) 4. Press <Enter>, then <F10> to proceed to the next screen Topic 6.2 Continued

This screen allows you to enter a supporting documentation indicator, member message text, special chargeback indicator, and initiate a VROL questionnaire form. All other required fields are auto-populated for convenience. Any fields that are blank or highlighted in green are modifiable. How to complete the chargeback or transaction reversal: 1. Doc Ind: Enter a “1” if you are sending supporting documentation 2. Spcl Chgbk Ind: Enter a “P” if you are charging back a partial amount 3. Member Message: Type the appropriate member message text


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4. Create VROL Form: Enter a “Y” if you a VROL questionnaire is required* 5. Press <Enter>, the <F12> to file *Contact Pemco Customer Service with any VROL Questionnaire questions. Topic 6.3 - Initiate a Fee Collection or Funds Disbursement Topic 6.3 - PowerLink Visa Settlement Initiate Fee Collection Screen (1.2.4)

This screen allows you to process Fee Collections and Funds Disbursements. Please reference Visa Operating Regulations Volume I for the required Reason Codes and Member Message Texts. How to Initiate a Fee Collection/Funds Disbursement: 1. Tran Code: Enter a “10” for fee collection or “20” for funds disbursement 2. Event MMDD: Enter the Event Date 3. Dest BIN: Enter the other Visa Member’s BIN 4. Source BIN - Enter your BIN 5. Amount - Enter the Fee Collection/Funds Disbursement Dollar Amount 6. Currency CD: Defaults to 840 (US) 7. Reason Code: Enter the Appropriate Reason Code 8. Message Text: Enter the required in Message Text 9. Account Number: Enter the 16-digit Card Number directly Related 10. Press <Enter>, the <F12> to file


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Topic 6.4 – Authorize and Settle a Cash Advance Topic 6.4 - PowerLink Visa Authorization Request Screen (1.1.6)

How to initiate an Authorization for a Cash Advance, Purchase, or Reversal: 1. Request Type: Enter “1” (Cash Advance), “2” (Purchase), or “3” Reversal 2. Acquirer BIN: Enter your BIN 3. Account Number: Enter the 16-digit Card Number 4. Expire MMYY: Enter the Expiration Date of the Card 5. Amount - Enter the Transaction Dollar Amount 6. Press <Enter>, then <F12> to Transmit the Authorization Request 7. The Authorization Response will appear in the Bottom Left of the Screen Topic 6.4 - PowerLink Visa Settlement Initiate Cash Advance Transaction Screen (1.2.5)

This screen enables you to settle cash advance that was not processed by an electronic data capture terminal.


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How to Settle an Outgoing Cash Advance: 1. Account Number: Enter the 16-digit Card Number 2. Transaction MMDD: Enter the Cash Advance Date 3. Amount - Enter the Cash Advance Dollar Amount 4. Auth Code - Enter the Six-Digit Authorization Code 5. Acquirer BIN - The system will default to your BIN. 6. Press<Enter>, then <F12> to file


Pemco Reports Related to Back-Office Functions

Visa Dispute Tracking Alert Report (2A) - This report lists all Chargebacks, Copy Requests, Representments, and Rejected Items that need to be reviewed (Figure 6.2). Visa Dispute Daily Tracking Report (2B) - This report tracks all disputed transactions currently being processed (Figure 6.3). VisaNet Edit Package Report (108R2) - This report shows all chargebacks or copy requests returned to your institution by Visa because of invalid data (Figure 6.4). Data Capture Report (112) - This report shows all cash advance transactions transmitted by an electronic data capture machine (Figure 6.5). Figure 6.2 - Visa Dispute Tracking Alert Report (2A)

Row 1 Fields Description Card Number: 16-digit Card Number TC: Transaction Code Description: Describes the Transaction Code Date: Transaction Date US Amount: Transaction Dollar Amount in US Currency Merchant Name: Merchant’s Name Comments: Describes Dispute Outcome Pemco Date: Date of Chargeback Time Limit: Date Chargeback is Due Row 2 Fields Description UserID: Person who initiated the Chargeback Usage Ref Number: Transaction Reference Number Message: Member Message Text Vic Date: Date Visa Processed Chargeback


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Figure 6.3 - Visa Dispute Daily Tracking Report (2B)

Row 1 Fields Description Card Number: 16-digit Card Number TC: Transaction Code Description: Describes the Transaction Code Date: Transaction Date US Amount: Transaction Dollar Amount in US Currency Merchant Name: Merchant’s Name Pemco Date: Date of Chargeback Time Limit: Date Chargeback is due Row 2 Fields Description UserID: Person who initiated the Chargeback Usage Ref Number: Transaction Reference Number Message: Member Message Text Vic Date: Date Visa Processed Chargeback


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Figure 6.4 - VisaNet Edit Package Report (108R2)

The VisaNet Edit Package is an activity based report. You will only receive this report when an outgoing chargeback, copy request, or fraud advice is rejected by the Visa Chargeback Reduction Service. Please contact Customer Service with any questions regarding this report if you receive one.


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Figure 6.5 - Data Capture Report (112)

Row 1 Fields Description Card Number: 16-digit Card Number TC: Transaction Code Description: Transaction Code Description Date: Transaction Date Branch Name: Name Branch Processing the Cash Advance Merchant Name: Name of Merchant City: City of Merchant St: State of Merchant Zip: Zip Code of Merchant Ctry: Country of Merchant Row 2 Fields Description Usage: Transaction Usage Code Ref Number: Transaction’s 23-digit Reference Code Source Amount: Transaction Amount Curr: Transaction Currency Code Acquirer ID: Acquirer’s Identification Number Store Num: Merchant’s Store Number Ctgy: Merchant Category Code POS Entry: Point of Sale Entry Mode Additional field definitions, values, and codes can be found in the Appendix A - Pemco/Visa Fields and Values at the end of this manual.


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Chapter 7 Fraud Control and Reporting

Overview This chapter is specific to fraud control strategies and reporting responsibilities when fraud occurs.

Fraud Deterrence

Credit and debit card fraud continues to be a major concern for financial institutions. By taking the proper precautions and implementing a variety of safeguards it is possible to reduce the impact of fraud. This chapter will discuss in detail the following safeguards Pemco has available. § Card Activation § Card Verification Value § Card Verification Value Two § Proactive Risk Manager § Cardholder Risk Identification Service § Risk Reports § Issuer’s Clearinghouse Service § Expiration Date Mismatch Decline § BIN Limits Card Activation Card activation is when a cardholder is required to call Pemco’s Automated Card Activation System to activate their credit and/or debit card. A card activation sticker is on the front of every new card Pemco produces. This sticker has the card activation phone number and instructions. Once the cardholder activates the card, the card is available for immediate use. The Automated Card Activation System is an audio response unit that responds to touch-tones entered by cardholders. The member is prompted to enter his or her 16-digit card number and up to five selected data elements to activate the card. Data Elements Options: 1. Social Security Number 2. Last four of Social Security Number 3. Date of Birth 4. Home Telephone Number 5. Mother’s Maiden Name 6. Member Number 7. Password These elements are dependent on your data processing system. Pemco uses a combination of card issue file or Card Base and Positive Balance file information to create a card activation record and activate the card. For information on establishing a Card Activation Program, contact Pemco Customer Service. Activating a Card using the Pemco Screens If a cardholder is unable to activate his or her card using the automated system, you are able activate the card for them using the Pemco Processing System screens (Training Topic 7.1).


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CVV The CVV (Card Verification Value) is a number encoded into the magnetic stripe of all cards issued through Pemco. The CVV value is verified on all full magnetic stripe read authorizations. CVV2 CVV2 (Card Verification Value 2) is a three digit number printed in the signature panel of all cards issued through Pemco. CVV2 is used for verification on non face-to-face transactions. This allows a merchant to manually enter the CVV2 number to verify a cards authenticity. PRISM Fraud patterns emerge rapidly and change quickly. Recognizing this, Pemco has implemented PRISM (Proactive Risk Manager), a tool to identify risk, monitor transactions from all over the globe, and combat fraud. PRISM is a neural network that learns cardholder spending habits, recognizes fraud patterns, distinguishes between low- and high-risk transactions, and creates alerts. The PRISM system is monitored 24/7 by our experienced fraud analysts. The analysts review each alert and follow the required course of action (i.e., block the card, contact the cardholder, contact the financial institution). CRIS CRIS (Cardholder Risk Identification Service) is Visa’s fraud detection product. This product is available through Pemco. Please contact customer service for more information. Risk Reports Pemco provides a variety of Risk Reports used to detect fraudulent card use. These reports are produced seven days a week allowing institutions to respond immediately. Please see the Reports section of this chapter for a description of the Risk Reports available. ICS ICS (Issuer’s Clearinghouse Service) is a centralized, national database that contains information on Visa and MasterCard credit card applicants, incidents of fraud, unauthorized use, and bankruptcy filings. This database was jointly developed by Visa U.S.A. and MasterCard International, Inc. with guidance from U.S. issuers to reduce the member losses from excessive credit applications and unauthorized use. ICS compares cardholder social security numbers, addresses, and telephone numbers with information contained in its files and issues one of the following: 1. Confirmation 2. Invalid data 3. Alert Included with ICS is the Bankruptcy Notification Service (BNS). Using information gathered by bankruptcy retrieval services, issuers receive notice of applicant and cardholder bankruptcy filings. These notices include account numbers, as well as updates on cardholder bankruptcy dismissals, discharges, chapter conversions, and creditors’ hearing dates. How ICS Works Information from credit card applications and fraud reports submitted by all ICS users is compiled in a database. Third-party sources such as authorized vendors, the Social Security Administration, and credit-reporting agencies provide data on: 1. Social Security Numbers (SSN) 2. Valid addresses and home phone numbers 3. Credit card account numbers 4. Bankruptcy filings


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Accessing the ICS Database Your institution can access the database on the Pemco Processing System. Refer to Chapter 8 - Pemco Screens and Field Definitions for more information on ICS screens. Fraud Reporting Issuer’s must report all fraud activity to Visa U.S.A., as specified in the appropriate Visa User's Manual, within seven calendar days of verification of the fraudulent activity. If further investigation determines that the transaction or occurrence is of a different fraud activity type than previously reported, the issuer must correct the activity. If fraud activity has occurred on an account, the issuer must list the account number on the exception file with a pick-up response for 90 calendar days, until the card expires, or is recovered, whichever comes first. A member must report all cardholder and issuer mailing information on “Not received as Issued” cards, whether or not fraud activity has occurred. Visa U.S.A. defines the following fraud activity reporting categories: 1. Lost Card 2. Stolen Card 3. Card Not Received 4. Fraudulent Application 5. Counterfeit 6. Account Takeover/Miscellaneous 7. Fraudulent Use of an Account Number (Mail/Phone Order Fraud) 8. Fraudulent Application Detected Before Loss Incurred 9. Suspicious Application Detected Before Loss Incurred If Pemco performs your chargebacks and the chargeback is fraud related, the fraud advice will automatically be filed as part of the chargeback process. If you perform your own chargebacks, you enter the fraud advice to Visa as a standard procedure during the chargeback filing process. Training Topic 7.2 details the Fraud Reporting procedure using the Pemco Processing System. Expiration Date Matching Expiration date mismatch is the practice of declining all authorization attempts when the expiration date in the authorization data doesn’t match the authorization date on the Positive Balance File. BIN Limits BIN limits allow you to put a maximum transaction amount and/or count on your cardholder’s daily spending. These limits can be set by merchant type and/or a total daily limit.


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Training Topics

Topic 7.1 - Visa Card Activation Screen (7.1.5)

To activate card: 1. Function: Enter “C” for Change 2. Card Number: Enter the 16-digit card number 3. Press <Enter> The left column displays the required card activation information. 4. <Tab> to corresponding ‘Verified’ field, change the “N” to “Y” 5. Press <Enter>, the <F12> to activate and file the record Note: The fields at the bottom of the screen will display if the card has been activated or is activation attempts have been made.


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Topic 7.2 - Visa Settlement Initiate Fraud Advice Screen (1.2.7)

To search for a transaction: 1. Account Number: Enter the 16-digit card number 2. Amount: Enter the transaction amount 3. Press <Enter> 4. If more than one transaction meets your search criteria, position the cursor next to the desired transaction and press

<Enter> Topic 7.2 Continued…:

To initiate a fraud advice, complete the following: Fraud Type: Enter the appropriate fraud type code: 0=Card Reported Lost 1=Card Reported Stolen 2=Card Reported not Received 3=Fraudulent Application 4=Counterfeit 5=Account Takeover/Miscellaneous 6=Fraudulent Use of an Account Number (Mail/Telephone) 7=Fraudulent Application detected before loss incurred 8=Suspicious Application detected before loss incurred


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Notification Cd: Enter appropriate notification code: 1=Original 2=Previously Reported account 3=Change 4=Deletion 5=Re-activate previously deleted transaction 1. Card Expir MMYY: Enter the card’s expiration date 2. Press <Enter>, then <F12> to file record

Pemco Fraud Reports

Overview

Visa ICS Report (Figure 7.1): This activity based report lists all outgoing ICS information sent by your institution. It also includes alerts from Visa concerning card applicants entered by your institution. Invalid Expiration Date, Declined Authorizations, and Authorizations over $1000 Report (Figure 7.2): This daily combination report shows all authorizations declined for mismatch expiration date, all declined authorizations, and any authorization attempt over $1,000. Excessive Usage 5 or More Transactions Report (Figure 7.3): This daily report shows all accounts with five or more transactions. Track-1/Positive Balance Name Mismatch (Figure 7.4): This activity based report shows any authorizations in which the name in Track 1 of the magnetic stripe does not match the name being sent in the Positive Balance File. Authorizations for $1.00 or Less Report (Figure 7.5): This daily report shows all accounts with authorizations for a $1 or less. Transactions with invalid CVV Report (Figure 7.6): This daily report shows all transactions with a CVV failure. Authorizations for $1.00 or Less Followed by 3 or More Authorizations Report (Figure 7.7): This daily report shows all authorizations for $1 or less followed by three or more authorizations. CRB Region Exception File Report (Figure 7.8): This weekly report shows all accounts listed on the Card Recovery Bulletin. Foreign Country Authorizations Report (Figure 7.9): This daily report shows all cardholder authorization requests occurring in foreign countries. Risky Merchant Authorizations Report (Figure 7.10): This daily report shows all authorization requests with merchants identified by Visa to have a higher than normal occurrence of fraud. Foreign Transactions Report (Figure 7.11): This daily report shows all transactions settling to cardholder accounts that occur in a foreign country. Risky Transactions Report (Figure 7.12): This daily report shows all merchant/locations of settled transactions that have been identified by Visa to have a higher that normal occurrence of fraud. Profile Risk Parameters (Figure 7.13): This report shows the risk parameters set for a specific BIN.


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Figure 7.1 - Visa ICS Report ECV110R7 Pemco VISA ICS REPORT 12/13/05 PAGE 44 BIN TRAN CODE 30 ACTIVITY CODE AA LOCATOR NUM 10534600159 ENTRY YYDDD 05346 SSN 123 45 6789 NAME JAMES A DOE SEC. ADDRESS PRIM. ADDRESS 23456 BLUE AVE CITY SEATTLE STATE WA ZIP CODE 981151234

Field Name Definition/Description Tran Code: Two-digit transaction code Activity Code: Type of activity Locator Number: Unedited field ICS returns to the issuer Entry YYDD: Date of entry Locator Num: Visa assigned vendor location number SSN: Cardholder’s social security number Name: Cardholder’s name Sec. Address: Cardholder’s secondary address Prim. Address: Cardholder’s primary address City: Cardholder’s city of residence State: Cardholder’s state of residence Zip Code: Cardholder’s zip code of residence


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Figure 7.2 - Invalid Expiration Date, Declined Authorizations, and Authorizations over $1,000.00 Authorizations with Invalid Expiration Dates 12/20/05 POWERLINK RISK REPORT BIN AUTHORIZATIONS W/ INVALID EXP

DATE

PRIMARY ACCOUNT

TIME

TRAN DATE

EXP DATE

MCC POS

MERCHANT

LOCATION

14:31:58

12-19-2005 0707 4816 01 CS*ONLINE 800-888-8111

04:40:22

12-19-2005 0808 5960 01 AUTO CLUB LIVONIA US

21:18:26

12-19-5005 0108 3502 01 TRAVEL TULSA US

Field Name Definition/Description Primary Account: 16-digit card number Time: Authorization time Date: Authorization date Tran Amount: Amount of the transaction PBF Expr Date: Expiration date listed on the positive balance file Auth Expr Date: Expiration date in the incoming authorization request MCC Code: Four-digit Merchant Category Code POS Entry: Two-digit point-of-sale entry mode code Merchant Name: Name of the merchant processing the authorization Location: City and country location of the merchant


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Declined Authorizations: 12/20/05 POWERLINK RISK REPORT BIN DECLINED AUTHORIZATIONS PRIMARY ACCOUNT

TIME TRAN DATE MSG AMOUNT

TYPE

MERCHANT NAME

POS ENT

ACTION CODE

10:12:10 51

12-19-2005 DECLINE REASON

14.84 INSUFFICIENT FUNDS

0100 AMAZON.COM 01

ACTION CODE

12:44:41 05


36.40 “EX” RESP; AUTH

0100 EXPR

WAL-MART =0806

01

ACTION CODE

15:05:31 05


109.95 REASON CODE= 05

0100 SAFEWAY 01

Field Name Definition/Description Primary Account: 16-digit card number Time: Transaction time Date: Transaction date Tran Amount: Transaction amount Msg Type: Transaction type Merchant Name: Name of the merchant processing the authorization POS Ent: Two-digit point-of-sale entry mode code Action Code: Decline response code Decline Reason: Action code description


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Authorizations over $1,000: 12/20/05 POWERLINK RISK

REPORT

BIN AUTHORIZATIONS OVER

$1000

PRIMARY ACCOUNT

TIME

TRAN DATE

MSG AMOUNT

AUTH TYPE/ #

MCC

MERCHANT NAME

08:20:48

12-19-2005 1,151.33 0100 062774 7395 PHOTOS

12:44:41 12-19-05 4,638.50 0100 054642 8220 JCC OFFICE

Field Name Definition/Description Primary Account: 6-digit card number Time: Transaction time Date: Transaction date Tran Amount: Transaction amount Msg Type: Transaction type Auth Num: Six-digit authorization code MCC Code: Four-digit merchant category code Merchant Name: Name of the merchant processing the authorization Action Code: Decline response code Decline Reason: Description of the action code


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Figure 7.3 - Excessive Usage 5 or more Transactions 12/23/05 POWERLINK RISK REPORT BIN ECV091R1 EXCESSIVE USAGE 5 OR MORE AUTHS PRIMARY ACCT

TIME

DATE

TRAN AMT

MSG TYPE

AUTH NUM

ACT CODE

MCC CODE

MERCH NAME

POS ENT

07:22:05 12-22-05

35.18 0100 159753 5631 COACH LA CA 90

14:18:50 12-22-05

30.22 0100 456982 5541 CITGO LA CA 01

09:45:12 12-22-05

125.28 0100 149658 9402 USPS LA CA 90

Field Name Definition/Description Primary Account: 16-digit card number Time: Transaction time Date: Transaction date Tran Amount: Transaction amount Msg Type: Transaction type Auth Num: Six-digit authorization code Act Code: Decline response code MCC Code: Four-digit merchant category code Merchant Name: Name of the merchant processing the authorization POS Ent: Two-digit point-of-sale entry mode code


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Figure 7.4 - Track-1/Positive Balance Name Mismatch 12/23/05 POWERLINK RISK REPORT BIN ECV095R1 TRACK 1 NAME MISMATCH PRIMARY ACCT

TIME

DATE

TRAN AMT

MSG TYPE

AUTH NUM

ACT CODE

MCC CODE

MERCH NAME

POS ENT

07:22:05

12-22-05 35.18 0100 159753 5631 COACH SEATTLE WA 90

NAME FROM TRACK: LA/ LINDA DE NAME ON FILE: DE LA RO

Field Name Definition/Description Primary Account: 16-digit card number Time: Authorization time Date: Authorization date Tran Amount: Transaction amount Msg Type: Transaction type Auth Num: Six-digit authorization code Act Code: Decline response code MCC Code: Four-digit merchant category code Merchant Name: Business name of merchant POS Ent: Two-digit point-of-sale entry mode code


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Figure 7.5 - Authorizations for $1.00 or Less 12/23/05 POWERLINK RISK REPORT BIN ECV092R1 AUTHORIZATIONS OF $1 OR LESS PRIMARY ACCOUT

TIME DATE TRAN AMT

MSG TYPE

AUTH NUM

ACT MCC MERCH CODE CODE NAME

POS

15:09:22 122205

1.00 0100 803658 5542 SHELL OIL SEATTLE 90

06:09:54 122205

1.00 0100 14 4816 THE STORE BELLEVUE DECLINE REASON: ACCT NUMBER NOT ON PBF

01

Field Name Definition/Description Primary Account: 16-digit card number Time: Transaction time Work Date: Transaction date Tran Amount: Transaction amount Msg Type: Transaction type Auth Num: Six-digit authorization code Act Code: Decline response code MCC Code: Four-digit merchant category code Merchant Name: Name/location of the merchant processing the authorization POS Ent: Two-digit point-of-sale entry mode code


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Figure 7.6 - Authorizations with CVV Failures 12/23/05 02:04 POWERLINK RISK REPORT PAGE 14 BIN ECV093R1 AUTHORIZATIONS WITH CVV FAILURES PRIMARY ACCOUNT

DATE TIME HH:MM:SS

TRAN AMT

MERCHANT NAME/LOCATION TYPE

12/22 20:12:35 $36.22 TRACK #2

5812 BECK’S PUB AND GRILLE WATERLOO US 31 |4127680000340843D07071010000088

Field Name Definition/Description Primary Account: 16-digit card number. Date: Transaction Date Time (HH:MM:SS): Transaction time Tran Amount: Transaction amount Merchant Type: Four-digit merchant category code Merchant Name/Location: Name and location of the merchant Track Data: Track number that fails CVV verification


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Figure 7.7 - Auths of $1.00 or Less Followed by 3 or More Auths 12/23/05 POWERLINK RISK REPORT BIN ECV094R1 AUTHORIZATIONS OF $1.00 OR LESS FOLLOWED BY 3 OR MORE AUTHORIZATIONS PRIMARY TIME DATE ACCOUNT

TRAN MSG AUTH ACT MCC AMT TYPE NUM CODE

MERCHANT POS

11:01:02 12-22-2005 11:07:55 12-22-2005 11:13:19 12:22-2005 12:32:05 12-22-2005

1.00 0100 159847 5964 1.00 0100 258794 5964 44.57 0100 759685 5912 1.00 0100 467913 5542

JCPENNY DALLAS US 01 JCPENNY DALLAS US 01 MEDCO HEALTH DALLAS 01 76 STATION LIBERTY 90

09:10:05 12-22-2005 10:52:18 12-22-2005 11:32:10 12-22-2005 14:02:36 12-22-2005 14:47:31 12-22-2005

1.00 0100 482673 5542 75.13 0100 794561 5934 14.82 0100 865663 9402 287.15 0100 147986 5944 36.44 0100 775593 5942

TEXACO SEATTLE 90 NORDSTROM SEATTLE 90 USPS SEATTLE 90 CRATE & BARREL SEA 90 BARNES & NOBLE SEA 90

Field Name Definition/Description Primary Account: 16-digit card number Time: Transaction time Date: Transaction date Tran Amount: Transaction amount Msg Type: Transaction type Auth Num: Six-digit authorization code Act Code: Decline response code MCC Code Four-digit merchant category code Merchant Name: Business name and location POS Ent: Two-digit point-of-sale entry mode code


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Figure 7.8 - CRB Region Exception File 12/23/05 CRB REGION VISA EXCEPTION FILE REPORT BIN ECV095R1 ACCT-NUM ACTION-CD CRB-REGION PURGE-DATE 07 B 0805 43 E 0105 07 E 0706 41 A 0908

Field Name Definition/Description Acct-Num: 16-digit card number Action-CD: Status code CRB Region: Region code(s) where the block applies Purge Date: Date the block expires Figure 7.9 - Foreign Country Authorizations 12/23/05 POWERLINK RISK REPORT BIN ECV097R1 FOREIGN COUNTRY AUTHORIZATIONS PRIMARY ACCT

TIME

TRAN DATE AMOUNT MCC

MERCHANT LOCATION ACQUIRER POS NAME CNTRY CD ENT

14:32:16 12-22-05 85.77 5947 KIWI COUNTRY TE ANAU NZ 554 90

11:38:52 12-22-05 141.00 5912

POINT DOUGLAS WINNIPEG CA 124 01

Field Name Definition/Description Primary Account: 16-digit card number Time: Transaction time Date: Transaction date Tran Amount: Transaction amount MCC Code: Four-digit merchant category code Merchant Name: Business name of the merchant Location: City and country of merchant Acquir Cntry CD: Three-digit currency code POS Ent: Two-digit point-of-sale entry mode code


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Figure 7.10 - Risky Merchant Authorizations 12/29/05 POWERLINK RISK REPORT ECV097R2 BIN

VISA RISKY MERCHANT AUTHORIZATIONS

PRIMARY ACCOUNT

TIME

DATE

TRAN AMT

MCC CODE

MERCH NAME

LOCATION AQUIRER CNTRY CD

POS ENT

23:25:11 12-28-2005 14.95 4816 TWX*AOL 888-889-7201 840 01

DECLINE REASON BAD EXPR=1005; BAL FILE

11:49:45 12-28-2005 9.94 4816 CSI-AT&T PORTLAND 840 01

Field Name Definition/Description Primary Account: 16-digit card number Time: Transaction time Date: Transaction date Tran Amount: Transaction amount MCC Code: Four-digit merchant category code Merchant Name: Business name of merchant Location: City and state of the merchant Acquir Cntry CD: Three-digit currency code POS Ent: Two-digit point-of-sale entry mode code


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Figure 7.11 - Foreign Country Transactions 12/29/05 VISA SETTLEMENT BIN

POWERLINK RISK REPORTING FOREIGN COUTRY TRANSACTIONS

CARD NUMBER TC DESCRIPTION ISSUER AMOUNT AUTH MERCHANT NAME/MSG CITY ST CTRY

ACCT. SEL AUTH USAGE REFERENCE NO DATE SOURCE AMOUNT CURR ACQUIRER ID REIMB CTGY TRAN ID

05 SALES DRAFT 1228 1.00 123456 THE STORE SEATTLE WA US 0 5 1 74023385362010644022885 1.00 840 100200300 B 5541 615363550900760

Field Name Definition/Description Top Row Card Number: 16-digit card number TC: Two-digit transaction identification code Description: Transaction code description Issuer Amount: Transaction Amount (USD) Auth: Six-digit authorization code Merchant Name/Msg: The merchant DBA name City: Merchant’s city of residence ST: Merchant’s state of residence CTRY: Merchant’s country of residence Bottom Row Acct. Sel/Auth: Indicates ATM account selection Usage: Indicates first or second presentment Ref. Number: Acquirer’s 23-digit reference number Date: Transaction date Source Amount Transaction Amount (origination currency) Curr: Three-digit currency code Acquirer ID: Eight-digit business ID REIMB: Visa assigned reimbursement attribute Ctgy: Four-digit merchant category code Tran ID: 15-digit transaction identification number


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Figure 7.12 - Risky Transactions 12/27/05 VISA SETTLEMENT ECV124BR2 BIN POWERLINK RISK REPORTING RISKY TRANSACTIONS CARD NUMBER TC DESCRIPTION ISSUER AMOUNT AUTH MERCH NAME/MSG CITY ST ZIP CTRY ACCT.SEL AUTH USAGE REFERENCE NO DATE SOURCE AMOUNT CURR AQUIRER ID REIMB CTGY TRAN ID

05 SALES DRAFT 5.00 123456 THE STORE SEATTLE WA 98115 US 0 5 1 24692165957000327659325 1226 5.00 840 10020030 A 4816 1245784512

Field Name Definition/Description

Top Row: Card Number: 16-digit card number TC: Two-digit transaction identification code Description: Transaction code description Issuer Amount: Transaction amount (USD) Auth: Six-digit authorization code Merchant Name/Msg: Business name of merchant City: Merchant’s city of residence ST: Merchant’s state of residence ZIP: Merchant’s zip code CTRY: Merchant’s country code

Bottom Row: Acct. Sel/Auth: Indicates ATM account selection Usage: Indicates first or second presentment Ref. Number: Acquirer’s 23-digit reference number Date: Transaction date Source Amount: Transaction amount (foreign currency) Curr: Three-digit currency code Acquirer ID: Eight-digit business ID REIMB: Visa assigned reimbursement attribute Ctgy: Four-digit merchant category code Tran ID: 15-digit transaction identification number


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Figure 7.13 - BIN Profile Risk Parameters ECV519R1 12/02/05 04:47 POWERLINK INTEGRATED SERVICES PAGE 585

VISA BIN PROFILE RISK PARAMETERS REPORT

BIN NUMBER: BIN NAME:

============================================================================================

AUTH INDICATOR: SWITCH OVERLIMIT %: 0 ADDR VERIFICATION: YES ICS INPUT: ONLINE

CARD ACTIVATION: YES BY: SSN

VBV PARTICIPANT: YES BY: LAST 4 SSN

AUTO ENROLLMENT: YES BY: ZIP, LAST 4 SSN

DECLINE IF CARDHOLDER NOT ENROLLED: NO

DECLINE ON EXPIRATION DT. MISMATCH: YES, INCLUDING MAIL/TELEPHONE

CRIS PARTICIPANT: NO THRESHOLD:

CRIS HOURS OF OPERATION: SUN: MON: TUE: WED:

THU: FRI: SAT:

PRISM PARTICIPANT: YES

PRISM HOURS OF OPERATION: SUN: MON: TUE: WED:

THU: FRI: SAT:

RISK REVIEWER INSTRUCTIONS: OK TO BLOCK EXCEPT FOR DURING CU BUS HRS OF MON-FRI, 5AM - 1PM PST, THEN PLS. FAX

ONLY *USE "01" REFERRAL CODE WHEN UNABLE TO RCH C/H W/SUSPICIOUS ACTIVITY*

DAILY LIMITS: BIN, ACCOUNT

BIN DAILY LIMITS: ---------------------------- CASH TRANSACTIONS -----------------------------

ATM QUASI OTHER PIN BASED POS ON-LINE

CASH CASH CASH POS CASHBACK GAMBLING

COUNT 5 5 0

AMOUNT 1,000 1,500 0

---------------------------- NON-CASH TRANSACTIONS ---------------------------

AUTO MAIL/TEL

TRAVEL LODGING RENTALS RESTAURANTS MEDICAL ORDERS

COUNT

AMOUNT

OTHER DAILY

PURCHASES TOTAL

COUNT 30

AMOUNT

AUTH RESTRICTIONS: COUNTRY MERCHANT POS REL COUNTRY MERCHANT POS REL

CODE CAT. CD. MODE OPR AMT CODE CAT. CD. MODE OPR AMT

724 4784 250 4784

MERCHANT NAME ENTRY DATE MERCHANT NAME ENTRY DATE

1) GIRLSHOP, INC 08/16/05 2)


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3) 4)

5) 6)

7) 8)

9) 10)

Field Name Definition/ Description Auth Indicator: Indicates authorization method Overlimit %: Indicates percentage over available to be approved Addr Verification: Indicates participation in the address verification service ICS Input: Indicates ICS reporting method used Card Activation: Indicates if customer participates in card activation By: Criteria used for card activation VbV Participant: Indicates if customer participates in Verified by Visa By: Criteria used for Verified by Visa Enrollment Auto Enrollment: Indicates if customer participates in VbV auto enrollment By: Criteria used for auto enrollment Decline if CH Not Enrolled : Indicates is the auth is declined if the ch isn’t enrolled in VbV Decline on Exp. Dt Mismatch: Indicates if auths are declined because of exp dt mismatch CRIS Participant: Indicates if customer is enrolled in CRIS Threshold: Indicates fraud score level needed to auto block CRIS Hours of Operation: Indicates CRIS will auto block PRISM Participant: Indicates if customer is a PRISM participant PRISM Hours of Operation: 24hrs a day, 7 days a week Risk Reviewers Instructions: Customer instructions for fraud analysts Daily Limits: Indicates participation in daily limits BIN Daily Limits: Indicates the total dollar amount and transaction count a financial institution will allow a cardholder to use on a daily basis Auth Restrictions: Indicates any authorization restrictions a financial institution has imposed on their BIN. Additional information concerning field definitions and values can be found in Appendix A - Pemco/Visa Fields and Values at the end of this manual.


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Chapter 8 Pemco Technologies Screens and Field Descriptions

Overview

This chapter is a reference guide to the Pemco Processing System Screens. It provides you with both general screen and field descriptions. Each section starts with the main menu and defines the screens and related fields. For specific field values, see Appendix A - Pemco/Visa Fields and Values. This chapter is not a procedure guide. Procedures for accomplishing daily tasks are found under the Training Topics section of each chapter. PowerLink Main Menu Screen (0)

1. Visa: Visa maintenance screens 2. MasterCard MasterCard maintenance screens 3. ATM: ATM maintenance screens 4. Transmission Activity: File Transmission and Connectivity Statistics 6. Cardholder Database: Cardholder information screens 7. Card/PIN Issue: Card/PIN issue and maintenance screens 8. Issuers Clearinghouse: ICS data screens


Rev.1105

Visa Menu Screen (1)

Authorization/Limits (1.1) - Inquire and perform maintenance on your balance files and the VisaNet Exception File. Settlements (1.2) - Operation functions, such as chargebacks, retrieval requests, fee collections, cash advances, issuer’s clearinghouse, fraud advice, and cancel pending outgoing item. Account Maintenance History (1.5) - Displays a detailed history of blocks placed on an account; and a card/pin issue history. VBV Enrollment History (1.6.1) - Displays cardholder enrollment attempts in Verified by Visa Visa Authorization/Limits Menu Screen (1.1)

Authorization Inquiry (1.1.1) - Inquire on all authorization attempts in the past 45 days. Search for Names of Cardholders (1.1.2) - Search for cardholder card numbers. Positive Limits File (1.1.3) - Inquire and perform maintenance to your Positive Limits File. Negative Limits File (1.1.5) - Inquire and perform maintenance to your Negative Limits File. Authorization Request (1.1.6) - Process an authorization request and receive and authorization code. VisaNet Exception File (1.1.7) - Inquire and perform maintenance to the VisaNet Exception File.


Rev.1105

Visa Authorization Inquiry Screen (1.1.1)

Field Name Definition/Description Search Criteria Primary Account: 16-digit card number Search BIN: Issuer’s six-digit BIN DT (MMDDYY): Inquiry Date Range Auth Type: A = Auths R = Reversals V = Advices I = Issuer Blank = All Result: A=Accepted D=Declined Blank=All Action Code: Two-digit approval/decline code M-Catg: Four-digit Merchant Category Code Search Results Top Row: Auth #: Six-digit authorization number Acct #: 16-digit card number Date: Authorization date Time: Authorization time POS: Point of Sale entry mode Amount: Authorization amount Tran Type: Who authorized the request


Rev.1105

Action Code The two-digit code that defines the type of transaction. Search Results Bottom Row: M-Catg: Four-digit Merchant Category Code Name/Location: Merchant’s name and location Result Description: Authorization result description Function Keys: F7 Page Up F8 Page Down Clear Refresh Screen F9 Move to the 1.1.3 (Positive File) screen Enter Move to the 1.1.1.A (Authorization Detail) screen Visa Authorization Name Search Screen (1.1.2)

Field Name Definition/Description BIN: Six-digit BIN Short Last Name: First eight characters of the cardholder’s last name First initial: Cardholder’s first initial Search Results: First: Cardholder’s first initial Last: First eight characters of the cardholder’s last name Account: 16-digit card number AVS Data: Cardholder’s address verification data Code: Two-digit status code Function Keys: F2 Move to the 1.1.1 (Auth. Inq.) screen. F9 Move to the 1.1.3 (Positive File) screen. F10 Move to the 9.7 (Lost/Stolen) screen. F11 Move to the 7.1.2 (Card base - Update/Inquiry) screen.


Rev.1105

F12 Move to the 1.2.2 (Initiate Chargeback/Reversal) screen. Visa Authorization Positive File Screen (1.1.3)

Field Name Definition/Description Function: Maintenance action choice (A)dd, (C)hange, (D)elete, (I)nquire Account Number: 16-digit card number Exp MMYY: Card’s expiration date Short Last Name: First eight characters of the cardholder’s last name First Initial: Cardholder’s first initial Action Code: Two-digit numeric block code Purge MMYY: Date the card block expires Block: Letter block code Reclass: Additional block code information CRB Region: Card Recovery Bulletin Region listing AVS Data: Address Verification Response Data VBV Enrollment: Identifies cardholder enrollment in VbV Date: VbV enrollment date VBV Reset: Resets a locked user Checking Account: Available balance in Checking Savings Account: Available balance in Savings Credit Line: Available balance in Credit Transactions: Count and amount of authorizations today by Pemco


Rev.1105

Reversals: Count and amount of reversals Advices: Count and amount of Visa advices today Function Keys: F1 Move to the 1.1.7 (VisaNet Exception File) screen F8 Move to the 1.1.1 (Authorization Inquiry) screen F9 Move to the 1.5 (Acct History) Screen F10 Move to the 1.1.5 (Negative File) screen. F11 Move to the BIN/Acct Limits (1.1.3.A) screen Visa Authorization Negative File Screen (1.1.5)

Field Name Definition/Description Function: Maintenance action choice (A)dd, (C)hange, (D)elete, (I)nquire Account Number: 16-digit card number Exp MMYY: Expiration date of card Name: Cardholder’s name Action Code: Tw o-digit block code Purge MMYY: Date the card’s block expires CRB Region: Card Recovery Bulletin Region listing Transactions: Count and amount of authorizations today by Pemco Reversals: Count and amount of reversals today Advices: Count and amount of Visa advices today Function Keys: F1 Move to the 1.1.7 (VisaNet Exception File) screen F8 Move to the 1.1.1 (Authorization Inquiry) screen F9 Move to the 1.1.3 (Positive File) screen


Rev.1105

Visa Authorization Request Screen (1.1.6)

Field Name Definition Description Request Type: Type of Transaction 1 = Purchase, 2 = Purchase, 3 = Reversal Acquirer BIN: Acquirer’s six-digit BIN Account Number: 16-digit card number Expire MMYY: Expiration date of card Rate: Three-digit currency code (defaults to 840) Amount: Transaction amount Merchant Category: Four-digit Merchant Category Code


Rev.1105

VisaNet Exception File Screen (1.1.7)

Field Name Definition/Description Function: Maintenance action choice; (A)dd, (C)hange, (D)elete, (I)nquire Account Number: 16-digit card number Action Code Two-digit block code Purge MMYY: Date the card block expires CRB Regions: Card Recovery Bulletin Regions listing Function Keys: F1 Move to the previous screen F8 Move to the 1.1.1 (Authorization Inquiry) screen F9 Move to the 1.1.3 (Positive File) screen F10 Move to the 1.1.5 (Negative File) screen


Rev.1105

Visa Settlement Transactions Screen (1.2)

Initiate Chargeback/Reversal (1.2.2/1.2.2A/1.2.2B) - Search for the transactions and process chargebacks and reversals. Retrieval Request (1.2.3/1.2.3.A)- Request a Visa draft copy Fee Collection (1.2.4) - Initiate a fee collection or funds disbursement Cash Advance Transaction (1.2.5) - Settle a cash advance Interchange Directory (1.2.6) - Search for institution contact information Fraud Advice (1.2.7) - Report a fraud advice to Visa Stop Recurring Payment (1.2.8) - Place a stop payment on recurring transactions Cancel Pending Transaction (1.2.9) - Delete any daily outgoing items


Rev.1105

Visa Settlement Chargeback/Chargeback Reversal (1.2.2)

Field Name Definition/Description Account Number: 16-digit card number Amount: Transaction amount Reference Number: 23-digit reference number assigned by the acquirer Tran Code: Indicates the type of transaction Pemco MMDDYY: Transaction date range Source File: Defines who initiated the transaction; I = Incoming Transactions (Received from Visa) 0 = Outgoing Transactions (Initiated by US) P = Pending Transactions (Waiting to be sent to Visa) Function Keys: F1 Move to the 1.2.3 (Retrieval Request) screen F4 Move to the 1.2.6 (Interchange Directory) screen F8 Move to the 1.2.4 (Fee Collection) screen F11 Manually enter transaction information


Rev.1105

Visa Settlement Initiate Chargeback/Reversal Screen (1.2.2.A)

Field Name Definition/Description Account Number: 16-digit card number Customer (Source) BIN: six-digit BIN Reference Number: 23-digit reference number assigned by the acquirer Orig Tran Code: Identifies the type of original transaction type Trans Code Qualifier: Orig Tran MMDD: Original transaction date Pemco CCYYMMDD Day the transaction was processed by Pemco Tran Identifier: 15-digit transaction identification number Multi-Clearing Seq Num: U.S. customer payment service for passenger Transport transactions where there are multiple transactions for a single authorization Source Amount: Transaction amount in U.S. dollars Source Currency CD: Transaction currency code Curr Conv Rate: Currency conversion rate on transaction date Acquirer Busns ID: Eight-digit business identification number Merchant Name: The name of the merchant Category: Four-digit merchant category code City, State, Zip, Country: Merchant’s address Merch Postal CD: Intl Fee Ind: Indicates transactions settled using the Visa IRF fee schedule or subject to a regional or national program Sttlmt Flag: Used in outgoing and incoming interchange


Rev.1105

Reim Attrib: Indicates the reimbursement fee applicable CRB Xcpt Ind: Card Recovery Bulletin status of the transaction POS Term Cpbl: Identifies the point of sale terminal capability POS Entry MD: Identifies how a transaction was entered Floor Limit Ind: Indicates a transaction was above/below the floor limit ID Method: Defines the cardholder identification method Auth Code: Six-digit authorization code Auth Char Ind: Authorization characteristics of the transaction Excl Tran ID Rsn: “K” if no transaction identifier is present and the transaction is being disputed otherwise it’s blank. Req Pymt Svc: CPS status of a transaction Chargeback Rights: Chargeback rights applicable to a transaction Tran Code: Indicates the transaction type Reason Code: Chargeback/reversal reason code Usage Code: Identifies presentment and chargeback Orig Vic YDDD: Original central processing date of the transaction Function Keys: F10 Move to the TCR1/1.2.2.B screen


Rev.1105

Visa Settlement Initiate Chargeback/Reversal Screen (1.2.2.B)

Field Name Definition/Description Account Number 16-digit card number Customer (Source) BIN: Six-digit Bank Identification Number Reference Number: 23-digit reference number assigned by the acquirer Orig Tran Code: Identifies the original transaction type Orig Tran MMDD: Identifies the transaction date Pemco CCYYMMDD: Date the transaction was processed by Pemco Tran Code: The code indicating the type of action taken. Chgbk Ref Num: Six-digit chargeback reference number assigned by the issuer Doc Ind: Indicates if supporting documentation is being attached Spcl Chgbk Ind: Indicate a full or partial chargeback/reversal Purch Identifier: Hotel, car rental, and direct marketing transactions. The rental agreement #, order #, or hotel folio # will be listed. Purch ID Format: Identifies the Purchase Identifier field contents Card Accptr ID: The merchant number Terminal ID: Eight-character field identifies the transaction’s terminal Trace Num: Not currently used Mail/Tele Ind: Identifies the transaction as mail, telephone, or electronic commerce Recurr Pymt Ind: Indicates if the transaction is a recurring payment ATM Acct Sel: Indicates the ATM account selection CAT Ind: Indicates the transaction occurred at a cardholder activated terminal


Rev.1105

Special Cond ID: Identifies the floor limit used Auth Source: Identifies the authorization source in TMP and MCAS transactions AVS Respns Code: The Address Verification Response data code Prepaid Card Ind: Indicates a prepaid card was used Cash Back Amt Indicates the cash back amount No Show Ind: Indicates if the transaction is because of a ‘no show’ Retreival Request ID: Identifies a copy request was order for this transaction Member message Used to include additional chargeback information (50 chars) Function Keys: F10 Move to the 1.2.2.A screen. Visa Settlement Retrieval Request Transaction Screen (1.2.3)

Field Name Definition/Description Account Number: 16-digit card number. Amount: Transaction dollar amount Reference Number: 23-digit reference number assigned by the acquirer Tran Code: Two-digit code identifying the transaction type Pemco MMDDYY: Transaction settlement date Source File: Indicates who initiated the transaction I = Incoming Transactions (Received from Visa) 0 = Outgoing Transactions (Initiated by US) P = Pending Transactions (Waiting to be sent to Visa) Function Keys: F1 Move to the 1.2.2 (Chargeback/Reversal) screen


Rev.1105

F11 Manually enter transaction information Visa Settlement Select Original Transaction (1.2.3)

Field Name Definition/Description Account Number: 16-digit card number Pemco MMDDYY: Date the transaction was processed by Pemco TC: Indicates the transaction code Tran MMDD: Original transaction date Tran Amount: Transaction amount Merchant Name: Name of the merchant Last 6 Ref#: Last six digits of the 23-digit acquirer assigned reference Number


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Visa Settlement Initiate Retrieval Request Screen (1.2.3.A)

Field Name Definition/Description Account Number: 16-digit card number Customer (Source) BIN: Issuer’s Bank Identification Number Reference Number: 23-digit reference number assigned by the acquirer Orig Tran Code: Identifies the original transaction type Orig Tran MMDD: Original transaction date Pemco CCYYMMDD: Date the transaction was processed by Pemco Tran Identifier: 15-digit transaction identifier number assigned by Visa Multi Clring Seq Num: Identifies the payment service for passenger transport transactions Tran Amount: Transaction amount Tran Currency CD: Three-digit currency code Acquirer Busns ID: Eight-digit acquirer identification number POS Entry MD: Point of Sale entry mode code Term Cap: Point of Sale terminal capability code Merchant Name: Name of the merchant Category: Four-digit merchant category code City: Merchant’s city of residence State: Merchant’s state of residence ZIP: Merchant’s zip code Country: Merchant’s country of residence


Rev.1105

Sttlmt Flag: Settlement flag code Reimb Attrib: Reimbursement attribute code ATM Acct: ATM account selection code Retrieval Req ID: 12-digit Visa assigned retrieval request identification number Debit Product CD Presentments acquired by the VisaNet Debit System Excl Tran ID Rsn: Value of “K” when a transaction identifier is no present Tran Code: Retrieval transaction code Reason Code: Retrieval reason code used Issuer Cntrl Num: Issuer’s trace number Contact for Info: Person to contact concerning the dispute Fax Number: Fax number of contact Settlement Initiate Fee Collection Screen (1.2.4)

Field Name Definition/Description Tran Code: Two-digit transaction code Event MMDD: Event date specified by the reason code Dest BIN: BIN the collection/disbursement is directed Source BIN: BIN initiating the collection/disbursement Amount: Collection/Disbursement amount Currency CD: Three-digit currency code Reason Code: Collection/Disbursement reason code specified by Visa Message Text: Required reason code message text


Rev.1105

Account Number: 16-digit card number Sttlmt Flag: Settlement flag code Reimb Attrib: Reimbursement attribute code Country CD: Merchant’s country code Function Key: F8 Move to the 1.2.2 (Chargeback/Reversal) screen Settlement Initiate Cash Advance Transaction (1.2.5)

Field Name Definition/Description Account Number: 16-digit card number Reference Number: 23-digit reference number assigned by the acquirer Transaction MMDD: Transaction Date Amount: Cash advance amount Auth Code: Six-digit authorization code Acquirer BIN: BIN of the acquiring institution Name: Acquirer’s name Branch City: Acquirer’s city State: Acquirer’s state ZIP: Acquirer’s zip code Country: Acquirer’s country Today’s Batch Count: Running count of today’s cash advances Today’s Batch Total: Running dollar amount of today’s cash advances


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Settlement Fraud Advice Transaction Screen (1.2.7)

Field Name Definition/Description Account Number: 16-digit card number Amount: Transaction amount Reference Number: 23-digit reference number assigned by the acquirer Tran Code: Two-digit transaction code Pemco MMDDYY: Transaction settlement date Source File: Indicates who initiated the transaction I = Incoming Transactions (Received from Visa) 0 = Outgoing Transactions (Initiated by US) P = Pending Transactions (Waiting to be sent to Visa) Function Keys: F11 Manually enter transaction settlement information


Rev.1105

Visa Settlement Initiate Fraud Advice Screen (1.2.7.A)

Field Name Definition/Description Account Number: 16-digit card number Customer (Source) BIN: Issuer’s Bank Identification Number Reference Number: 23-digit reference number assigned by the acquirer Orig Tran Code: Original transaction code Orig Tran MMDD: Date of the transaction Pemco CCYYMMDD: Date the transaction was processed by Pemco Tran Identifier: 15-digit identification number assigned by Visa Multi Clring Seq Num: Custom payment identifier for passenger transport transactions Fraud Amount: Transaction amount Fraud Currency CD: Transaction amount currency code Acquirer Busns ID: Eight-digit number that identifies the acquiring institution Merchant Name: Name of the merchant Category: Four-digit merchant category code City: Merchant’s city of residence State: Merchant’s state of residence ZIP: Merchant’s zip code Country: Merchant’s country of residence Cash Back Amount: Dollar amount of any cash back received Special Cond Ind: Special Condition Indicators, first position is the Risk Identification Indictor, second position is the Merchant Transaction Indicator


Rev.1105

Excl Tr ID Rsn: Excluded Transaction Identifier Reason Reimb Attrib: Reimbursement attributes code C.A.T. Ind: Identifies a cardholder activated terminal Mail/Tele Ind: Indicates a mail, telephone, or electronic commerce transaction Card Acceptor ID: An acquirer-assigned code representing a merchant, a merchant location, or a

specified merchant location terminal. Term ID: Identification number that identifies the transaction terminal Cash back Ind: Indicates cash back was received with the transaction Cardholder ID Meth: 0=unknown; 1=signature; 2=PIN; 3=unattended terminal; 4=mail/phone order POS Entry Md: Identifies the point-of-sale entry mode used POS Term Cpbl: Tran Code: Fraud advice transaction code Fraud Type: Fraud type code Notification Code: Notification code Card Expir MMYY: Expiration date of card Fraud Invest Stat: Not currently used Seq. Num: The issuer assigned sequence number Orig VIC YDDD: Transaction original processing date


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Visa Account Maintenance History (1.5)

Field Name Definition/Description Prim Acct#: 16-digit card number Search on History Type: Indicates search information B = Block Codes C = Card Issue When Searching for Block Information: Name: The cardholder’s name. Date: Maintenance date Time: Maintenance time Action CD Old: Action code prior to maintenance Action CD New: Action code following maintenance CRB Region: Card Recovery Bulletin Region A = Asia Pacific B = Central/Eastern Europe, Middle East & Africa C = Canada E = European Union F = Latin American and Caribbean Changed By: User ID of the person who performed the maintenance Method: The maintenance was performed Visa Update: Indicates if the VisaNet Exception File update was successful Expire Date: Expiration date of the card Purge Date: Date the status is deleted from the VisaNet Exception file When searching for Card/PIN Issue history: Primary Cardholder Name: Name of primary cardholder Secondary Cardholder Name: Name of secondary cardholder


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No. of Cards Issued: Total number of cards issued Current Card Issue Date: Date of last card issue Prior Card Issue Date: Date of prior card issue Current PIN Issue Date: Date of last PIN issue Card Activation Date: Date the card was activated Card Activation Method: Method used to activate the card Function Keys: F7 Page Up 8 Page Down Clear Refresh/remove the screen data F9 Move to the 1.1.3 (Positive File) screen F10 Move to the 1.1.5 (Negative File) screen Transmission Activity Menu (4)

This menu allows customers to view file transmission activity and their connectivity. 4.1 Screen (Transmission Activity Statistics): Identifies when a financial institution transmits/receives files and their success. 4.2 Screen (Network Status): Identifies a financial institution’s connection status, decline, and time out percentage.


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Transmission Activity Statistics Screen (4.1)

Field Name Definition/Description TGRP: Financial institution’s transmission group number Seq: Sequence number if transmission group number is shared Visa/MasterCard/ATM: File type relating to card type Date: Date the file was sent or received Time: Time the file was sent or received Fail Date: Date of the last file transmission failure Fail Time: Time of the last file transmission failure


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Network Status Screen (4.2)

Field Name Definition/Description FI Name: Name of the financial institution TGRP: Financial institution’s transmission group number CNNCT Type: Connection type used by financial institution Line Status: Connection status between the FI and Pemco Financial Services Appl Resp: Connection status between Pemco and the data processor Decl %: Authorization decline percentage Time Out%: Authorization time out response percentage Function Keys: F7 Page Up F8 Page Down Clear Clear/refresh the screen


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Cardholder Database Menu (6)

This menu allows you to view cardholder contact information and search for card number using an assigned incident number. Cardholder Database Maintenance Screen (6.1)

Field Name Definition/Description Function: Type of action required (A)dd, (C)hange, (D)elete, (I)nquire Card Nbr: 16-digit card number SSN: Cardholder’s social security number DOB: Cardholder’s date of birth Maid Nm: Cardholder’s mother’s maiden name Password: Cardholder’s password (optional) Memb Nbr: Cardholder’s member number Hm#: Cardholder’s home phone number E-mail: Cardholder’s e-mail address


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Wk#: Cardholder’s work phone number Name 1: Primary cardholder’s name Name 2: Secondary cardholder’s name Addr 1 & 2: Cardholder’s street address City: Cardholder’s city of residence State: Cardholder’s state of residence Zip: Cardholder’s zip code Country: Cardholder’s country of residence Callbk: Identifies if a Fraud Analyst has requested a call back Status: Indicates if the card is blocked Financial Institution Notes: Free form field the financial institution can add any notes Purge MMDDYY: Date the notes will purge from our system Analyst Notes: Notes our fraud analysts make on the cardholder’s account Incident #: Six-digit number assigned by Pemco Financial Services Caller ID: Phone number the cardholder call from Date: Date the cardholder calls Time: Time the cardholder calls Accepted: Indicates if the cardholder authorized the transactions in question Function Keys: F1 Move to the Cardholder Call Back Search screen (6.1) F2 View the E-mail Alert Sent by the Fraud Analyst


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Cardholder Call-Back Search (6.2)

Field Name Definition/Description Search Criteria Incident #: Six-digit incident number Last Name: Cardholder’s last name Phone #: Cardholder’s phone number SSN: Cardholder’s social security number Display Information Account: 16-digit card number Name: Cardholder’s name Address: Cardholder’s address SSN: Cardholder’s social security number Phone: Cardholder’s phone number Function Keys: F1 Move to the Cardholder Database Maintenance Screen (6.1) F7 Page Down F8 Page Up


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Card/PIN Issue Menu (7)

Screen 7.1 (Visa): Brings you to the Visa Card/PIN Issue Screens Screen 7.2 (MasterCard): Brings you to the MasterCard Card/PIN Issue Screens Screen 7.3 (ATM): Brings you to the ATM Card/PIN Issue Screens Screen 7.8 (Host PIN Verification): This screen stores custom selected PIN offsets Screen 7.9 (Card/PIN Issue Special Handling): Rush, destroy, or reroute a card/PIN issue Card/PIN Issue Visa Menu (7.1)

7.1.1 Screen (Card/PIN Issue): Allows you to issue cards and PINs. 7.1.2 Screen (Card Base File Update/Inquiry): Maintains your card issue database and allows for file maintenance.* 7.1.5 Screen (Card Activation File Update/Inquiry): Add, delete, or change card activation records.* *participating institutions only


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Visa Card/PIN Issue Screen (7.1.1):

Field Name Definition/Description Card Number: 16-digit card number Issuer: Financial institution name Card Issue Option: Card/PIN Issues choices 0 = PIN only 1 = New or Addt’l Card 2 = Replace Card 3 = Reissue Expir Card Send PIN Mailer: Y = Yes, N = No Expiration MMYY: Determines card expiration date Cust Spec PIN Offset: Four-digit PIN offset for customer selected PINs Check Guar: No longer used Address 1, 2, and 3: Cardholder’s mailing address Primary Cardholder Info: Card activation criteria SSN = Social Security Number DOB = Date of Birth Phone = Phone Number Maiden = Mothers Maiden Name Member # = Member Number Password = Unique Password 1-First & MI: Cardholder’s first name and middle initial Last: Cardholder’s last name Sec Emboss: Secondary emboss line (i.e., business name) SSN: Cardholder’s social security number # Cards: Number of cards to be issued Duplicated for 2, 3, and 4 Action Code: Two-digit card status code Function Keys:


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F1 Move to the 7.1.2 (Card Base) Screen Card Base Visa Update/Inquiry Screen (7.1.2)

Field Name Definition Description Function: Desired action type (A)dd, (C)hange, (D)elete, (I)nquire Card Number: 16-digit card number Issuer: financial institution name Expiration MMYY: Determines card expiration date Cust Spec PIN Offset: Four-digit PIN offset for customer selected PINs Check Guar: No longer used Address 1, 2, and 3: Cardholder mailing address Primary Cardholder Info: Card activation criteria SSN = Social Security Number DOB = Date of Birth Phone = Phone Number Maiden = Mothers Maiden Name Member # = Member Number Password = Unique Password 1-First & MI: Cardholder’s first name and middle initial Last: Cardholder’s last name Sec Emboss: Secondary emboss line (i.e., business name) SSN: Cardholder’s social security number # Cards: Number of cards to be issued Duplicated for 2, 3, and 4 Last PIN Issue: Date of the last PIN issued


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Suppress Auto Reissue: Y = Yes (Supress), N = No (Do Not Suppress) Last Card Issued: Date of the last card issued Address Modified: Date of the last address modification Memo: Financial institution notes Action Code: Two-digit card status code Function Keys: Move to the 7.1.1 (Card/PIN Issue) screen Visa Card Activation Screen (7.1.5)

Field Name Definition/Description Function: Desired action type (A)dd, (C)hange, (D)elete, (I)nquire Card Number: 16-digit card number Issuer: Financial institution name Exp MMYY: Card expiration date Name: Cardholder’s name SSN#: Cardholder’s social security number SSN Verified: Y = SSN Verified, N = SSN Not Verified Phone AC/NBR Cardholder’s area code and phone number Phone Verified: Y = Phone Verified, N = Phone Not Verified Mother’s Maiden Name: Cardholder’s mother’s maiden name Name Verified: Y = Name Verified, N = Name Not Verified Last Four of SSN: Last four digits of the cardholder’s SSN SSN Verified: Y = SSN Verified, N = SSN Not Verified


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Date of Birth: Cardholder’s date of birth DOB Verified: Y = DOB Verified, N = DOB Not Verified Created: Displays when and how the card activation record was created Activated: Displays when and how the card was activated Current Attempt to Activate: Displays the last attempt to activate the card Prior Attempt to Activate: Displays the prior attempt to activate the card Count of Attempts: Displays the total number of activation attempts Action Code: Two-digit card status code Issuer’s Clearinghouse Menu (8)

This menu allows customers to update the Issuer’s Clearinghouse Service. ICS is a centralized shared database containing information on Visa and MasterCard credit card applicants, incidents of fraud, unauthorized use, and bankruptcy filings. Note: This option only appears for participating institutions. 8.1 Screen (Add, Inquiry, and Declined Applications): Used to update the ICS database 8.2 Screen (Add Application Fraud): Used to add fraud applications to the ICS database 8.3 Screen: Delete Application/Fraud (AD) - Used to delete fraud applications in the ICS database

Issuer’s Clearinghouse Screen (8.1)


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Field Name Definition/Description Record Type: Type of record you have chosen to enter AA = Add Application AI = Add Inquiry AR = Add Declined App DI = Debit Inquiry Name: The applicant’s name Social Security: The applicant’s social security number Primary Address: The applicant’s primary address Secondary Address: The applicant’s secondary address City: The applicant’s city of residence State: The applicant’s state of residence Zip: The applicant’s zip code. Telephone: The applicant’s home telephone number Market Segment Code: A market identifying code assigned by the issuer Customer (Source) BIN: Issuer’s Bank Identification Number


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Issuer’s Clearinghouse Add Application Fraud Screen (8.2)

Field Name Definition/Description Name: The applicant’s name Social Security: The applicant’s social security number Primary Address: The applicant’s primary address Secondary Address: The applicant’s secondary address City: The applicant’s city of residence State: The applicant’s state of residence Zip: The applicant’s zip code Telephone: The applicant’s home telephone number Market Segment Code: A market identifying code assigned by the issuer Fraud Type: Fraud type indicating code Sending ZIP: The issuer’s zip code Account Number: 16-digit card number Account Extension: The three-digit account extension Arrest Code: Indicates an arrest was associated with fraudulent application Case Number: The case number assigned by the police Customer (Source) BIN: The issuer’s Bank Identification Number


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Issuer’s Clearinghouse Delete Application/Fraud Screen (8.3)

Field Name Definition/Description Name: The applicant’s name Social Security: The applicant’s social security number Primary Address: The applicant’s primary address Secondary Address: The applicant’s secondary address City: The applicant’s city of residence State: The applicant’s state of residence Zip: The applicant’s zip code Telephone: The applicant’s home telephone number Market Segment Code : A letter value assigned by the issuer Original Entry Date: The date the ICS application was filed Original Locator Number: Identification number that locates the previously entered data Customer (Source) BIN: The issuer’s Bank Identification Number


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APPENDIX A - Powerlink/Visa Fields and Values

Overview This appendix lists values for PowerLink/Visa defined fields on PowerLink Reports and Screens. The listing is alphabetic by field name. Most field values are defined by Visa, and can also be found in the Visa USA Operating Regulations or related Visa Data Codes Manual. Field names will sometimes vary by report or screen. If the field name has more than one name variation, then the alternate field name(s) are listed below in parentheses.

Visa Field Name Definitions/Values Acct. Sel Indicates ATM Account Selection. Values are: (AKA: ATM Acct Sel., ATM Acct.) 0 = Not applicable or unavailable 1 = Savings account 2 = Checking account 3 = Credit card account Acquirer Busns ID The eight digit number that identifies the (AKA: Acquirer ID) acquiring institution. Acquirer Reference Number A 23-digit identification number associated with (AKA: Ref. Number) every draft and voucher, assigned by the acquirer used to identify the transaction. It consists of a Format Code, BASE Identification Number (BIN), Capture Date, Film Locator, and Check Digit. Auth Authorization Source Code. Values are: (AKA: Authorization Source Code) 1 = STIP, time-out response 2 = LCS response; amount below issuer limit 3 = STIP response; issuer in SI mode 4 = STIP response; issuer unavailable 5 = Issuer approval 7 = Acquirer approval; BASE I unavailable 8 = Acquirer approval: referral 9 = No authorization source code; nonauthorized transaction D = Referral; authorization code manually keyed E = Off-line approval; authorization code manually keyed F = CAFIS Generated response; postauthorization (Japan only) G = Issuer approval; post-authorization (Japan only) Authorization Characteristics Values are: Indicator A = Card Present C = Card present with merchant name and location data (cardholder activated, self-service terminal) E = Card present with merchant name and location data M = Card not present - Direct Marketing (no Address Verification Service - Germany) N = Not a payment service transaction P = Card not present (preferred Customer participation requested) R = Card not present (Address Verification Service not required) V = Card not present (Address Verification Service requested) X = Disqualified custom payment service transaction (Inserted by BASE II)


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Authorization Response Codes Values are: (AKA: Action Code, Code, Action-CD) 00 Approval 01 Referral; call issuer for instructions 02 Referral; special condition 03 Invalid Merchant 04 Pick up card 05 Authorization Decline 07 Pick up card, special condition 12 Invalid Transaction 13 Invalid Amount 14 Invalid card number 15 No such Issuer 19 Re-enter Request 21 Unable to back out transaction. 41 Pick up card, lost card (Response indicates fraudulent use.) 43 Pick up stolen card (Response indicates fraudulent use.) 51 Not sufficient funds 52 No Checking account 53 No Savings account 54 Authorization declined; expired Card 55 Incorrect PIN 57 Transaction not permitted to cardholder. Issuer not available—issuer-specified default response for this type of transaction. 61 Exceeds approval amount (or exceeds both count and amount limits)—decline 62 Restricted Card 65 Exceeds withdrawal frequency decline 77 Data contained in a repeat request or reversal message differs from original request 81 Cryptographic error 82 Invalid CVV - decline 83 Unable to verify PIN. PIN must be verified by issuer but issuer not available. 84 Time for Pre-authorization too long 85 No reason to decline—account number verification request 86 Cannot Verify PIN 91 Issuer not available—issuer specified default response for this type of transaction. 93 Transaction cannot be completed; violation of law 96 System malfunction AVS Response Code The Account Verification Service response code. Values are: Space = Not applicable A = Address matches, but ZIP code does not match E = Error response for Merchant Category Code N = Address and ZIP code do not match R = Retry; system unavailable or timed out S = Issuer does not support AVS U = Address information is unavailable W = Nine digit ZIP code matches, but address does not match X = Exact match, address, and nine digit ZIP code match Y = Address and five digit ZIP code match Z = Five digit ZIP code matches, but address does not match BASE Identification Number A six digit number used by Visa to identify the (BIN) processing centers and members. BINs are assigned to processing centers operated by members, nonmember processing centers designated by members, the members that operate processing centers, and alias members.


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Block Codes/ VISA Action Code Conversion Table Values are: Block Code Definition VISA Action Code $ VIP 00-Approve A - Address Incorrect 00-Approve B - Bankruptcy 04-Pickup C - Collection 05-Decline D - Deceased 04-Pickup F - Fraud 07-Pickup G- Marital Problem 04-Pickup H - High Balance/ 05-Decline Overdraft I - VIP 00-Approve J - Collection-Skip 04-Pickup K - Closed for Cause 04-Pickup L - Lost 41-Pickup N- Closed-Annual Fee 05-Decline Unpaid P - Pickup Card 04-Pickup Q - Charge Off 04-Pickup S - Stolen 43-Pickup U - Consumer Credit 04-Pickup V - Closed-See File 04-Pickup W - Closed-Duplicate 04-Pickup Account X- Closed-Per 05-Decline Cardholder Y - Collection-Legal 04-Pickup Pursuit Z - Cardholder Dispute 00-Approve Card Accptr Id Identifies the merchant number.

Cardholder Activated Terminal Values are: Indicator (AKA: CAT Ind) Space = Not applicable to this transaction 1 = Limited amount terminal 2 = Automated dispensing machine 3 = Self service terminal Cardholder ID Method Values are: (AKA: Id Method) Space = Not specified 1 = Signature 2 = PIN 3 = Unattended terminal; No PIN pad 4 = Mail/Telephone Chargeback Reason Codes Represents reason codes for chargebacks and requests for copy/originals. Code also represents authorization codes for sales, credits, and cash transactions. Card Recovery Bulletin Regions Values are: (AKA: CRB, CRB Region, Region) Code Location 0 - United States A - Asian Pacific B - and E European Union, Central and Eastern Europe, Middle East, and Africa Region. C - Canada F - Latin America and the Caribbean CRB/Exception File Indicator


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Values are: Space = Card Bulletin or Exception File validation not performed I = Insufficient information for validation N= Account Number was not listed in merchant’s CRB Region or Exception File on purchase date. Y = Account number was listed in merchant’s CRB region or Exception File on purchase date. Country Codes Merchant's Country Code. Consult the Visa (AKA: Ctry) Base II Clearing and Settlement Data Codes Book for codes. Currency Codes Issuer code always will be U.S. dollars (840). (AKA: Curr, Curr Code, Acquir Source code will be wherever the Cntry, Rate, Tran Currency Code) transaction occurred. Consult the Visa Base II Clearing and Settlement Data Codes Book for additional codes. Documentation Indicator Values are: (AKA: Doc Ind) Space = No documentation required 0 = No chargeback documentation provided 1 = Mailed Documentation to follow 2 = Invalid acquirer’s reference number was used in prior chargeback record, and no supporting documentation was required or received. 3 = Invalid acquirer’s reference number was used in prior chargeback record, and supporting documentation was received. 4 = No Supporting documentation was received for prior chargeback. Dr Prod This field is included in all non-Visa presentations acquired by the VisaNet Debit System. Values are: 0002-Visa ATM, or 0004- Plus ATM. Excl Tran ID Rsn This field is used when no Tran Identifier was assigned to the transaction by Visa. This occurs when the transaction is not settled through Visa. The field requires a value to chargeback the transaction when no Tran Identifier is present. Values are: “ “ = Tran Identifier present. K = A “K” value must be input into this field when no Tran Identifier is present, and you wish to chargeback the transaction. Floor Limit Indicator Values are: Space = Floor Limit validation not performed A = Above Floor limit by more than 20% B = Below Floor limit by more than 20% C = Above floor limit by 20% or less D = Below floor limit by 20% or less, or at floor limit I = Insufficient information to determine floor limit Z = Zero floor limit Intl Fee Ind Indicates if a transaction was settled under the Visa IRF fee schedule or was subject to a regional or national program. Values are: Space = Settled under national or regional program 1 = Settled at the international standard IRF 2 = Settled at the international Pre-PS2000 rate 3 = Settled at the international electron rate Mail/Telephone or Values are: Electronic Indicator Space = Field not applicable or acquirer did not specify 1 = Single transaction for a mail/telephone or electronic commerce order. 2 = Recurring transaction 3 = Installment payment 4 = Unknown classification/other mail order 5 = Secure Electronic Commerce Transaction with cardholder certificate. 6 = Non-authenticated Security Transaction with SET merchant certificate.


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7 = Non-Authenticated Security Transaction without SET merchant certificate, such as a channel-encrypted transaction. 8 = Non-Secure transaction Merchant Category Code Identifies the four digit Merchant Category (AKA: Ctgy, Category, MCC Code. Refer to Visa U.S.A. VisaNet Merchant Code) Data Standards Handbook for specific code definitions. Merchant Name The merchants DBA name. Message Type Codes: Values are: (AKA: Msg Type) 0100 Authorization Request 0120 Authorization Advice 0400 Reversal Request Multi-Clearing Seq # Identifies the US Custom payment service for (AKA: Multiple Clearing Seq passenger transport transactions where there Num) are multiple clearing transactions for a single authorization. Orig Tran Code Identifies the type of original transaction. Values are: 05 = Sales Draft 06 = Credit Voucher 07 = Cash Advance Orig Tran MMDD Identifies the original date of the transaction. Orig Vic YDDD Used in reversals only, to indicate the original central processing date of the transaction being reversed. PCAS Indicator The Positive Cardholder Authorization Service. Values are: Space = No determination can be made N = Authorization not issued by PCAS Pemco CCYYMMDD Identifies the century, year, month, and day the transaction was received at PowerLink. POS Entry Mode Identifies the POS entry mode. Values are: (AKA: POS) Space = not specified 00 = Terminal not used 01 = Key entered 02 = Magnetic Stripe Read. (Track 2 when known or when the terminal makes no distinction between Track 1 and Track 2.) 03 = Bar code read 04 = Optical Character Recognition (OCR) read 05 = Integrated circuit card read 06 = Track 1 read 90 = Complete magnetic stripe read and transmitted (CVV) 95 = Integrated circuit card read – data Unreliable POS Terminal Capability The point of sale terminal capability code. (AKA: Term Cap) Values are: Space = Not specified 0 = Unknown


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1 = No terminal 2 = Magnetic stripe reader. 3 = Bar code reader 4 = Optical Character Recognition (OCR) reader 5 = Integrated circuit card reader 9 = Key entry only; no electronic reading Capability Purch Identifier For hotel, car rental, and direct marketing payment service transactions. The rental agreement #. Order #, or hotel #, will be shown. Purchase Identifier Values are: Format (AKA: Purch Id Format) Space = Free text item description or field not used. 0 = Free text item description or field not used. 1 = Order Number 3 = Rental Agreement Number 4 = Hotel Folio Number Prepaid Card Ind Indicates whether a prepaid card was used. Values are: Space = not applicable P = Prepaid card was used Reason Codes/Chargebacks The Chargeback/Reversal reason code. Reversals Values below reflect the Reason code as it relates to the original transaction type. Transaction Type Tran Code (05) Sales Draft Chargeback 15- Sales Draft Chargeback (06) Credit Voucher Chargeback 16- Credit Voucher Chargeback (07) Cash Advance Chargeback 17- Cash Advance Chargeback Reason Codes/Request for Values are: Copy Originals Transaction Code: Copy of Original Paper 52 Requests: Cardholder Requests Copy Bearing Signature 28 Request for Facsimile Draft of Vehicle 29 Cardholder Dispute, Cardholder Requests Draft 30 Chargeback Documentation 31 Original Lost in Transit 32 Legal Process or Fraud Analysis 33 Repeat Request for Copy 34 Transaction Code: Original Paper 51 Requests: Written Cardholder Demand for Original 35 Legal Process (e.g., subpoena) Specifies Original 36 Copy Previously Sent Illegible 37 Required for Paper/Handwriting Analysis 38 Repeat Request for Original 39 Required for Arbitration 40 Ref. Number


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Visa Reference Number that is a 23-digit (AKA: Acquirers Reference Number) number. The lead digit will be a seven (7) or two (2). The BASE Identification Number (BIN) is the six digits following the lead digit. The eighth digit indicates the year, and the following three digits are the capture date in Julian-date format. Digits 12 through 22 indicate the film location of the draft. The final digit is a check digit. Reimbursement Attribute Reimbursement Attribute Code – One (AKA: Reimb Attrib, Attrib) alphanumeric digit that indicates the reimbursement fees applicable to specific transactions. 0 = Standard Issuer’s Interchange Reimbursement Fee or Cash Disbursement Reimbursement Fee 1 = Plus ATM Cash Disbursement 2 = Visa ATM cash Disbursement 3 = EPS (U.S. only) 4 = Supermarket Incentive Program (U.S. and Hong Kong only) 5 = Transaction Incentive Interchange Fee (TIIF1) (U.S. and non-originals only) 6 = Electron Visa Interchange Reimbursement Fee/Electron Card Transaction (U.S. and non-originals only) 7 = Terminal Interchange Reimbursement Fee 8 = J. C. Penney (U.S.) 9 = Member operated Data Capture (Asia-Pacific only) A = Payment Service Interchange Reimbursement Fee (PSIRF) Brazil, Germany, Malaysia, and US B = Interregional Pre-PS2000 EU Intraregional Pre-PS2000 Asia-Pacific Electronic Issuer’s Reimbursement Fee Latin America Electronic Issuer’s Reimbursement Fee UK Electronic Issuer’s Reimbursement Fee 94’ UK Card Not Present 94’ UK Electronic Hot Card File 94’ CEMEA Electronic C = EU Airline Transition Rate UK Airline Transition Rate CEMEA Airline D = Delta-only merchant standard Interchange Reimbursement Fee - UK only F = Delta-only merchant Electronic Interchange Reimbursement Fee - UK only G = Plus ATM Cash Disbursement - Tier II H = Visa ATM Cash Disbursement - Tier II I = Reserved for Future use/Draft Data Transactions only J = Electronic Interchange Reimbursement Fee - US only K = CRS/Retail 2 payment service interchange Reimbursement Fee - US only L = Supermarket Standard M-S = Reserved for future use/Draft Data Transactions only. T-Z = Reserved Requested Payment Service Identifies the CPS status of a transaction. (AKA: RPS, Req Pymt Svc) Values are: Space = Not a payment service transaction 1 = CPS/Passenger Transport 1 2 = CPS/Passenger Transport 2 3 = CPS/Hotel Preferred Customer 4 = CPS/Hotel 5 = CPS/Auto Rental Preferred Customer 6 = CPS/Auto Rental 7 = CPS/Direct Marketing 8 = CPS/Automated Fuel Dispenser 9 = CPS/ATM A = CPS/Retail including Key Entered and CPS Retail 2. B = CPS/Restaurant - Not US National C = CPS/Retail Credit Card - US National D = CPS/Retail Check Card - US National Settlement Flag Values are: 0 = International settlement service 3 = Clearing only service for TC 05,06,07,15,16,17,25,26,27,35,36,and 37 (currently only valid for Sweden) 6 = National Bilateral interchange


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7 = International Bilateral Interchange 8 = National Net settlement service 9 = Base II selects the appropriate settlement service based on routing and country default. Source Amount The dollar amount of transactions in US funds. Source Currency CD Identifies the type of currency associated with the amount of a transaction entered into interchange. Special Chargeback Indicator Values are: Space = Field not applicable P = Partial amount chargeback Special Condition Indicators Values are: First Position: (Risk Identification Indicator) Space = RIS indicator not required for this merchant 1 = Zero Floor limit 2 = Terminal capable of reading and transmitting the full unaltered contents of the magnetic stripe. 3 = Zero Floor limit and terminal capable of reading and transmitting the full unaltered contents of the magnetic stripe. Second Position: (Merchant Transaction indicator) Space = None of the specified conditions are present. B = Hotel qualifying for a special floor limit of $1000 and permitted to use Status Check Procedure (medium level chargeback protection) D = Hotel permitted to use Status Check procedure with a Floor limit of $500 (lowest level of chargeback protection) F = Facsimile Draft provided H = Visa Lodging Services - Hotel qualifies for the special floor limit (International only) L = Visa Lodging Services merchant S = Hotel or restaurant merchant qualifies for a special floor limit of $1500 and permitted to use Status Check Procedure (highest level of chargeback protection). 8 = Quasi-cash Terminal Id The eight character field used to identify the terminal used to process the transaction. Trace Num The interface trace number. (AKA: Interface Trace Number) Tran Identifier 15-digit transaction identifier Visa assigns to (AKA: Tran ID) a retail electronic payment service transaction by the V.I.P. system. Transaction Code (TC) A two digit transaction code identifying the (AKA: Action Code, Tran Type) type of BASE II transaction. Values are: 05 = Sales Draft 06 = Credit Voucher 07 = Cash Disbursement 10 = Fee Collection 15 = Sales Chargeback 16 = Credit Chargeback 17 = Cash Chargeback 20 = Funds Disbursement 25 = Sales Reversal 26 = Credit Reversal 27 = Cash Reversal 30 = ICS Input 31 = ICS Response 33 = RDMS/TMP Advices 35 = Sales Chargeback Reversal 36 = Credit Chargeback Reversal


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37 = Cash Chargeback Reversal 40 = Fraud Advice 45 = General Delivery Reports 50 = Text Messages 51 = Request for Original 52 = Request for Copy 53 = Request Mailing Confirmations w ith a usage code of 2 (representment), action codes values are: 05 = Sales Draft Repr 06 = Cr Voucher Repr 07 = Cash Ad Repr Usage Code Usage code indicates whether this is a first or (AKA: USG CD) second chargeback. Values are: 1 = First chargeback 2 = Second Chargeback

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