OnPoint Community CU & Diebold Seal a Deal

OnPoint Community Credit Union has forged an outsourcing partnership
with Diebold Inc to provide its 186,000 members access to convenient
technologies in the financial industry. Diebold Integrated Services will
provide the credit union with “Opteva” ATMs, first -and second-line
maintenance, armored carrier, network monitoring, ATM and debit card
processing, Diebold “RemoteLink OpteView” services, currency management,
client services, help desk support and the resource to add 30 ATMs by
2011. The OH-based Diebold outsourcing organization employs more than
17,000 associates with representation in nearly 90 countries worldwide
and will be managing the program with OnPoint through a single point of
contact.

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ID Insight Launches the CompleteID Solution

ID Insight identity-fraud risk assessment company has launched its
“CompleteID” verification solution and risk assessment solution. The
new risk assessment solution analyzes when, where and who is conducting
a transaction using ID Insight’s proprietary “Access-Point Intelligence”
technology, with a comprehensive set of data to examine every available
piece of information, such as the location, to produce a risk score to
determine any necessary decisive, actionable assessment in about one
second. Minnesota-based ID Insight created “Access-Point” Intelligence
to leverage its massive collection of data on people and access points
using analytics to help financial services companies, credit issuers,
retailers, online merchants and wireless providers prevent fraud.

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ExaDigm Names Two POS Sales Executives

ExaDigm wired and wireless point-of-sale (POS) terminal solutions has
appointed Tim McWeeney VP of North American Sales and Chase Oelkers VP
of Major Account Sales. Both bringing to the organization extensive
sales and business development experience in electronic payments, this
development is projected to be beneficial to all parties concerned.
McWeeney was most recently VP of North American Sales for WAY Systems,
succeeding his role as Strategic Account Executive with Lipman USA.
Oelkers was most recently National Sales Director and Regional VP of
Sales for ExaDigm, which followed his management roles with Hypercom,
First Data and Payment Systems for Credit Unions. ExaDigm develops wired
and wireless POS terminal solutions focal on reducing cost and boosting
productivity.

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Fair Isaac Second Quarter Profit Slips 28%

MN-based Fair Isaac reported that revenues for the quarter ended June 30th were $183.3 million, a 7% drop from the prior year quarter. Net income from continuing operations for the quarter totaled $18.8 million, versus $26.1 million reported in the prior year period. Strategy Machine Solutions revenues declined 9% to $94.8 million, primarily due to a decline associated with collections and recovery, fraud and marketing solutions, offset by an increase in revenues derived from consumer and originations products. Scoring Solutions revenues dipped 20.5% to $37.6 million for the quarter, primarily due to a decrease in the volume of credit bureau risk scores, including a one-time true-up relating to the previously announced agreement with Equifax, and a decrease in revenues derived from its “PreScore” service. Professional Services revenues rose more than 11% to $39.1 million in the quarter due to an increase in revenues derived from collections and recovery, fraud and “Blaze Advisor” implementation services. Analytic Software Tools revenues increased 17% to $11.8 million, due to an increase in revenues generated from sales of the “Xpress MP” and “Model Builder” products. For complete details on Fair Isaac’s latest performance visit CardData ([www.carddata.com](http://www.carddata.com)).

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QVC and Bill Me Later Team

QVC and alternative payment method
Bill Me Later have launched a
multichannel alternative payments solution to online, call center and
automated phone service customers. Providing users convenience and
flexibility, MD-based Bill Me Later is an alternative to credit card
payments with a similar, buy-now-pay-later function. Bill Me Later
provides next-generation payment and marketing solutions in the digital
payments industry with flexible financing options for many popular brand
items while PA-based QVC has shipped more than a billion packages in its
22-year history and generates an annual revenue of over $7 billion
through its website and programming, which is readily available in 166
million homes worldwide.

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Triton and Dover Tackle AP Reports

Triton has responded to a report by the Associated Press its parent company, Dover Corporation of Long Beach, MS, is facing closure. Triton assures customers the ATM-manufacturing facility is to remain open and fully operational. This confusion was attributed to misinterpreted information in a press release issued by Dover reflecting “the loss from discontinued operations,” which was meant to reference accounting performance rather than facility operation. The AP has subsequently corrected the article reflecting the false information. Triton ATM manufacturer has over 180,000 installations in over 24 countries worldwide while the Dover Corporation has over $7 billion in annual revenues.

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OBERTHUR 2Q/08

Oberthur Technologies reported that revenues for its Card Systems unit grew 30% year-on-year to 187 million euros, driven by the integration of XponCard. Overall, the Company reports second quarter sales of 217 million euros, up 20% year-on-year at current rates. Excluding XPonCard, the whole payment segment posted revenue of
71 million euros, up 33% over 2Q/07, with 34 million microprocessor payment cards sold during the second quarter. The personalization services segment posted growth of 7.4% with sustained demand in all regions of the world. The scratch card activity was stable compared to 2Q/07. For complete details on Oberthur’s second quarter performance visit CardData (www.carddata.com).

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STMICROELECTRONICS 2Q/08

STMicroelectronics has reported 2Q/08 net revenues increased 9.7% to
$2.39 billion while net revenues grew 14.6% since the year ago period,
both of which were driven by strong growth in the Industrial and Telecom
(wireless) segments. Gross profit for the quarter was $880 million for
the quarter and gross margin was 36.8% thanks to the addition of $185
million in impairment and restructuring to the reported operating loss
of $26 million. Income and margin for the quarter were $159 million and
6.7%, respectively, impairment and restructuring charges amounted to
$185 million-for which ST reported an operating loss of $26 million
compared to an operating loss of $772 million during 2Q/07- and $47
million was reported in net loss. Finally, net cash from operating
activities totaled $416 million for the quarter while inventory totaled
$1.58 billion.

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Western Union 2Q/08 Revenues Climb 12%

Western Union has reported a revenue of $1.35 billion, up 12% year-on-year. Additional disclosures for the
quarter include an operating income margin of 25% (down 2% from the year
ago period), a year-to-date cash provided by operating activities of
$560 million, a consumer-to-consumer revenue-which was 68% of total
revenue-increased 14%, a 13% transaction growth, consumer-to-business
revenue up 3% and EPS guidance excluding restructuring expense was
raised by $0.04 to between $1.29 and $1.33. Of the revenue, $38 million
was a benefit from currency translation of the euro, the related
operating income benefit was $5 million and, based on the above
disclosures, Western Union expects to deliver 2008 earnings per share
that will likely be at the higher end of its new range and continues to
expect revenue growth at the higher end of the 9% to 11% range.

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MMV & CITI

Mobile Money Ventures and SK Telecom have implemented mobile
financial services with Citibank Hong Kong to allow customers to access
Citibank’s Mobile Financial Services from their mobile phones. Other
mobile financial features available through MMV include Hong Kong-based
stock trading, real time stock quotes, funds transfers to Citibank
accounts worldwide on the “Global Transfers” application, bill pay from
Citibank accounts and detailed 90-day history balance of accounts. These
features have been collectively designed to allow Citi customers to
conduct banking quickly, easily and securely. Mobile Money Ventures was
built on the financial services and technology leadership of Citi and SK
Telecom, Citi provides 200 million customers financial services in more
than 100 countries and SK Telecom has more than 22 million subscribers
taking up more than 50% of the total Korean market.

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Fifth Third E-Payment Q2 Revenue Rises 15%

OH-based Fifth Third reported that its electronic payment processing jumped 15% year-on-year to $235 million, driven by continued strong merchant processing results, up 16%. Card issuer interchange revenue increased 20% from the previous year, driven by higher debit and credit card usage and an increase in the average dollar amount per debit card transaction. Payment-processing costs during 2Q/08 were $67 million, up 14% from $59 million. Fifth Third also reported that on a year-over-year basis, growth in credit card and residential mortgage loans offset a decline in auto loans. During the second quarter credit loans grew to $1.7 billion, a 36% gain over 2Q/07. For complete details on Fifth Third’s latest results visit CardData ([www.carddata.com](http://www.carddata.com)).

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Citi Tops the Keynote Scorecard Ranking

Keynote Competitive Research has announced the
Citibank took the top ranking of the just released “Q2 2008 Keynote Banker Scorecard”.
Citibank scored 87 points, followed by Bank of America with 85 points and Wells Fargo with 82 points.
The “Scorecard” is a bi-annual in-depth study that examines and ranks the implementation of online best
practices by leading banks’ Web sites. It evaluates sites in all
areas, including in a variety of industry-specific tasks and categories,
to help firms discover the strengths of their sites, as well as
opportunities for improvement. Criteria are grouped into five
industry-specific “user tasks” — Opening Accounts, Looking Up
Information, Transactions, Get Service and Learn & Plan — and six
“categories” — Overall Score, Functionality, Ease of Use, Usability,
Privacy & Security and Quality & Availability — in order to help firms
identify the strengths and/or opportunities in specific areas of their
sites.

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