Banking

InstaPayment, Inc.

CampusCards.com

31240 La Baya Drive

Westlake Village, California 91362

Contact: John Morgan, President / CEO

Office:       866-63-CHECK (24325)
Fax:           866-497-1222
Website: www.InstaPayment.com
               www.CampusCards.com
Email:     info@InstaPayment.com

InstaPayment, Inc. provides integrated web-based payment solutions and financial services using advanced smart card technologies.

CampusCards.com provides K-12 and IHL education markets with fully integrated web-based solutions that include student ID smart cards, Point-of-Sale terminals and our website to enable on-campus and soon off-campus purchases. Students may use their ID smart card to purchase meals, student store supplies, and more. From our website, funds can get transferred and applied to the card. Card purchase activity can be viewed securely from the website, information such as student medical needs, allergies and much more can be securely stored within the highly encrypted smart card chip.

With our CampusCards program, schools receive a mass broadcast Emergency Alert System at no cost. When registering, parents, students and faculty can opt-in by including their Email and phone numbers within our CampusCards website. In the event of any school emergency or broadcast, school officials simply record their message for rapid distribution to all members. Email and text message alerts are also provided.

Why our CampusCards program is so valuable to schools:

Absolutely no cost to most schools! We provide all ID smart cards, card readers, POS terminals and Emergency Alert Service at no cost. Our revenue is generated by a nominal card ‘reload/convenience’ fee that is applied only when funds get transferred to the card, similar to an ATM.
Highly encrypted and secure ID smart card for information and emergency contact data storage.
Emergency Alert System included at no cost. Simple, secure and highly desired by students and parents.
Secure online payment processing and school invoice presentation and payment solution.
Improve school cafeteria payment process time, reduce meal lines, improve data reporting and administration, and improve security, efficiency and convenience.
A web-based service. Very minimal school IT effort is required. There are no system administration, system integration, server or database management requirements. We handle all of the heavy lifting. There is no hardware or software required, nor hardware or software costs. System installation requires just power and an internet connection.
Schools can use any portion of our services, such as electronic payment processing only, or our entire CampusCards program.

Our student ID smart card chip operating system is designed around universal smart card standards, enabling our smart cards to operate with security access readers, security control doors and gates, smart card enabled vending machines, smart card enabled mass transit, and more. One card is all that is needed from CampusCards.com.

CardWizard^®
1 Inverness Drive East
Englewood, CO 80112
800.641.5215
Fax: 1-415-945-1781
Website: www.cardwizard-dsi.com
Email: sales@cardwizard.dsi.com

CardWizard^® enables a unique alliance between financial institutions and Universities to instantly issue Student Photo Visa/MasterCard Debit cards. CardWizard^® is the #1 instant issuance solution in the US for Visa/MC debit cards, and when used with ID Card platforms creates a win-win solution.

Meets or exceeds ALL Visa/MC security recommendations.
New revenue opportunities are created when you use CardWizard^®.
CardWizard^®-division of Dynamic Solutions International

Commerce Bank
Don Becker, Assistant Vice President, Student Banking
811 Main
Kansas City, Missouri 64105
Phone: (816)760-8178
E-mail: don.becker@commercebank.com
Web: www.commercebank.com

Commerce Bank is a regional bank with more than $17 billion in assets and more than 390 offices in Kansas, Missouri, Illinois, Colorado & Oklahoma.

In 1995 we became one of the first banks in the U.S. to provide university ID Card banking. Our campus banking innovations continued in 1998 when we became an early leader in financial aid refund disbursement using the University ID Card. Our Ucard Refund process provides safe and convenient refunds to students and our on-campus branches provide the “in-person” personal service students prefer.

Our products include Student Checking, Student Credit Cards, Student Loans, Student Auto Loans and of course University Card Banking. Students also enjoy benefits such as on-campus ATMs, free online account access and free bill pay with all student checking products. Mobile banking access and account alerts are available to all customers and we are one of only a handful of banks where a customer can obtain their Visa Check Card instantly when they open an account.

Commerce provides community services that include financial education and money management education to students and their parents. Our high school outreach programs help students and their parents develop plans for paying for college. Our Banking 101 presentations help students manage their money and our web learning center (CommerceBank.com/learn) helps students and parents learn about money management online. At Commerce, we work to provide students with the tools they need to achieve financial independence.

In addition to student banking Commerce also provides additional services to universities. These include Benefits Banking packages for faculty and staff, Treasury Services, Capital Markets Services and many others.

For more than 143 years, Commerce has been meeting the financial services needs of individuals and businesses throughout the Midwest region. Commerce provides a diversified line of financial services, including business and personal banking, wealth management and estate planning, and investments through its affiliated companies. Visit www.CommerceBank.com to learn more.

Discover Financial Services
Glenn Murray
Channel Manager

2500 Lake Cook Road
Riverwoods, IL 60015
Phone: 224-405-0439
Fax:224-405-0455
glennmurray@discoverfinancial.com
www.discovernetwork.com

Discover® Network is a full-service, for-profit, payments Network, primarily supporting the acceptance and usage of Discover Network Cards at over 4 million merchants, including a number of externally issued Discover Network credit, debit and stored-value card programs.

Discover Network Prepaid Cards provide payment flexibility for your customers and create new revenue opportunities for you. With an assortment of Prepaid products, and the strength of the Discover Network behind them, Discover Network Prepaid Cards are the smart choice to extend your product line and grow your business

First National Bank, Fort Collins

MagTek, Inc.
Kiran Gandhi, Vice President, Business Development
12260 South West 53^rd Street, Suite 601
Fort Lauderdale, FL 33330, USA
Phone: +954-678-1122 Direct, 954-232-0181 Mobile
Fax: +954-680-1878
Email: Kiran.gandhi@magtek.com
Web site: www.magtek.com

Since 1972, MagTek has been a world leader in electronic transaction technology, from magnetic stripe card readers and writers to high-accuracy MICR check readers and scanners, secure PIN issuance and cardholder verification systems. The company's products and components are in use today at point-of-sale (POS) and back-office locations in thousands of companies around the world; incorporated into kiosks and ATMs, banking customer service terminals, custom retail POS terminals, and restaurant and hospitality equipment. MagTek is based in Carson, California and has sales offices throughout the United States, Europe, and Asia, with independent distributors in over 40 countries.

Monitor Transaction Management
URL: www.monitorbm.com

Monitor Business Machines Limited (MBM) provides cost effective, flexible cash free financial transaction solutions to education and commercial organisations globally.

Our company’s can-do culture is founded on the experience of listening and understanding our customers needs. Our focus has always been on providing reliable systems, we have developed a reputation for manufacturing high quality software and hardware monitoring devices, whilst leveraging and sourcing best of breed technology.

MBM’s international distributors and business partners supply and service products to key markets. Our experience implementing cashless communities to educational and business environments, as well as, health and public sector (government), organisations has provided strong cross industry knowledge. We recognize the value of project management and best practices to reduce risks, costs and increase delivery standards.

Monitor has maintained a policy of regularly meeting with key customers to discuss their ongoing requirements. This means, our development work is focused on the most appropriate features for the users of the system. Completed cost management solutions have extended to include integrating with further third party transaction charging activities, such as; POS food vending systems and online account payment and management applications.

The Monitor System is modular in nature, with different terminal and client software options available to suit specific operating environments. It is a scalable, with the ability to be expanded as the requirements of the organisation grows.

Sites that have benefited from the Monitor system include: Universities and education institutes in Massachusetts, Illinois and California, along with additional US public sector / health organisations. Monitor is committed to continuing the process of development, the company’s R&D team continually strive to develop and add functionality to the benefit of its end-customers.

Pennsylvania State Employees Credit Union
Jamie Weaver
1 Credit Union Pl.
Harrisburg, PA 17110
Phone: 800-237-7328 Ext. 6.2059
Fax: 717-720-1121
Web: www.psecu.com
E-mail: jweaver@psecu.com

Chartered in 1933, PSECU is one of the nation's largest credit unions. It serves more than 340,000 members utilizing a full array of convenient, electronically-delivered services at no or low cost. PSECU is a full-service, non-profit financial institution serving employees of the Commonwealth of Pennsylvania; students and alumni of institutions of the State System of Higher Education, Harrisburg Area Community College, and Elizabethtown College; employees of local governments and approved school districts, approved employee groups, and family members of all of the above groups.

PSECU uses technology to provide quality self-directed electronic services for its membership. Members enjoy psecu@home®(online account access), bill payment, e-statements, online check images, self-service telephone, and surcharge-free automated teller machines to transact their business. PSECU's web site provides a wide range of additional services and information. And because PSECU is a non-profit financial institution, members enjoy benefits like no minimum balance requirements, free checks, surcharge rebates, lower loan rates and higher dividend rates.

For information about PSECU membership, visit the website at www.psecu.com. PSECU is federally insured by the NCUA.

Nickolas Certo
PNC Bank
249 Fifth Ave
Pittsburgh PA 15222
phone: 412-762-6755
E-mail: nickolas.certo@pnc.com

Web: www.pnc.com/universitybanking

PNC Bank's University Banking division is a leader in providing comprehensive business solutions designed specifically for colleges and universities. With more than 70 higher education relationships, PNC understands the complex business issues facing schools today—and brings the knowledge and experience to create strong partnerships. Our customized products and services can help you reduce costs, build revenue streams and enhance the value of your brand to students, their parents, alumni and employees.

Our programs range from Student Checking, Workplace Banking, customized card linking, educational seminars, and co-branded Visa debit cards, to business services that can streamline administration and save costs.

Our commitment to higher education is exemplified by our accomplishments in campus technology, our ranking as the fifth largest bank holder of student loans and credit commitments and treasury management services to universities and colleges across the nation.

Notable Accomplishments:

University Banking Management Staff:

Deborah Finnegan: Sales & Relationship Manager, University Banking- Western PA, Ohio, Kentucky

Nichole Hagan: Sales & Relationship Manager- Central PA

Brian Tymon: Sales & Relationship Manager- Southeast PA, New Jersey, Delaware

Elaine Shapiro: Sales & Relationship Manager- Maryland & Washington D.C.

University Banking Card Programs are designed to address specific needs.

Visit www.pnc.com/universitybanking for additional information.

Scan Technology is a customer-driven software and hardware designer, manufacturer, sales and marketing powerhouse whose focus is on delivering customized and scaleable automatic identification, data collection, security and document verification solutions for colleges, universities and other education, business, and government organizations.

Scan Technology blends a comprehensive selection of information technologies with robust software, backed by long warranties, world-class support and service at an extraordinary value. Our experienced staff is dedicated to formulating personalized answers that exceed our customers’ unique requirements at an affordable price.

If top-quality hardware and software, affordable prices, and world-class service and support contribute to the success of your campus card operations, then look no further.

As a partner to hundreds of colleges and universities, Scan Technology’s 28 years of experience performing as a trusted and valuable vendor of choice is strong testament to our company’s commitment to serving you. We have been a Bronze Level corporate member of NACCU for 10 years, and we enthusiastically back your organization.

Our state-of-the-art Model 2000/4000 magnetic stripe card readers are easy to program, easy to use, and easy to customize to meet your exact data output requirements. Backed by expert technical support and deep knowledge of your needs, we combine a three-year warranty with specific advice and custom solutions that many of your peers find valuable. Of course, we can provide Magtek and ID Tech card readers as well, for those with less-sophisticated applications. And if you need to move legacy equipment to new PCs with USB ports, try our special USB Adaptor to ensure reliable connections.

We offer card printer solutions from Zebra, Datacard, and other leading manufacturers. If barcode scanning is needed, we handle all the majors, including Symbol, Datalogic/PSC, Metrologic, HandHeld Products and our STI brand. We also provide integrated barcode and magstripe portable/mobile scanners, hand-held computers, PDAs, and cellular telephones. Software and technical support, of course, are part of every package.

Our Point-of-Sale Age Verifiers capture and display the age and birth date shown on driver’s licenses. Integrated IDAutoFill software automatically inserts scanned information into pre-defined fields, eliminating manual keystrokes, to help reduce lines, and speed up admissions, registration, and financial aid processing. Passport and visa scanners confirm the authenticity of international identity documents.

Do you like to try before you buy? Ask for a free demo, and our special educational discount pricing. We pledge to do all we can to ensure the successful implementation of your projects and operations. To learn more, please visit our Website, email us, or call.

10305 N.W. 4^th Place, Gainesville, FL 32607-1350 Phone: (352) 332-2093 Fax: (352) 332-7133

TCF Bank_®
Shirley Ringhand, Manager, Campus Card Program
405 E Main St
Anoka MN 55303
Phone: (763) 323-2901
E-mail: sringhan@tcfbank.com
Web: www.tcfbank.com

TCF Financial Corporation is a Wayzata, Minnesota-based national financial holding company with more than $14.2 billion in assets. TCF has more than 455 banking offices in Minnesota, Illinois, Michigan, Wisconsin, Colorado, Indiana and Arizona. Most offices are open seven days a week. Other TCF affiliates provide leasing and equipment finance, mortgage banking, brokerage, and investments and insurance sales.

TCF has a strong retail franchise of traditional branches, and operates one of the largest supermarket branch networks in the United States. TCF is known for its focus on Totally Free Checking accounts, extended hours, seven day banking and an extensive Express Teller ATM network. Our goal is to be the most convenient bank in the markets we serve.

TCF, a well respected leader in campus banking, provides great products for students, staff and faculty while offering an attractive package of services and financial benefits to colleges and universities. We serve the largest number of students in the Midwest through our campus card banking partnerships. Each program has been uniquely designed with the specific needs of each university in mind.

TCF campus banking relationships are enhanced by a dedicated management team, branches on or near campus, sales support in campus card offices, marketing and promotional support, event sponsorships, and student scholarship programs.

U.S. Bank, headquartered in Minneapolis, Minnesota, is one of the largest financial services companies in the nation, serving over 14 million customers via a branch network of more than 2,500 offices in 24 states in the Midwest and West. U.S. Bank operates a network of almost 5,000 ATMs and provides 24-hour, seven-days-a-week customer access via call centers and on-line banking. U.S. Bancorp is home of the Five Star Service Guarantee which assures customers of certain key banking benefits and services.

U.S. Bank is striving to be “The Best Bank in America on Campus.” The bank’s partnerships with Universities are defined as a business objective, but more importantly as a community responsibility. U.S. Bank has a dedicated staff of Campus Banking Partnership Managers who are highly trained to deliver the multiple banking services U.S. Bank offers to Universities. U.S. Bank sends the entire Campus Banking team to the annual NACCU conference each year to expand their knowledge of the Campus Card industry.

U.S. Bank has been collaborating with Universities for various programs since 1996 and leads the industry in University partnerships for Campus Banking Card programs and branch facilities at campus locations. The Campus Banking Card program provides leading edge banking products and services attached to the campus ID card while allowing the University to maintain ownership of the card creation and issuance process.

o Combines your campus ID with a Visa^® Check Card, giving students the maximum functionality from a single card

In addition to the Campus Banking Card program, U.S. Bank provides comprehensive banking services to meet the various needs of campus populations. U.S. Bank has a dedicated marketing unit that creates award winning promotional materials to assist the University in promoting all facets of the Campus ID Card. U.S. Bank has also created Financial Wellness seminars in response to a need for additional education about money management for students.

The Wells Fargo Campus Card Program provides universities and colleges with the opportunity to earn revenue and reduce expenses, while offering students, faculty, and staff members a valuable and convenient service.

· Increased revenue: The Wells Fargo Campus Card Program has been designed to maximize the revenue potential of our university partners. The university earns revenue based on the number of students with a linked Wells Fargo Campus Card.

· Reduced expenses: Wells Fargo pays for the creation and issuance of the Wells Fargo Campus Card, as well as marketing costs. This means substantial cost savings since the school no longer has to pay for student identification cards. Additional cost savings can be achieved through electronic disbursement of financial aid through Wells Fargo.

· Added convenience: Under the Wells Fargo Campus Card Program, students, faculty, and staff can enjoy the convenience of carrying just one card on and off campus. The card can be used as an official campus ID, to access campus facilities, at over 6,900 Wells Fargo ATMs for free, and to make purchases on or off campus.

· Customized programs: We understand that every university and college has distinct needs. We pride ourselves on our ability to create customized solutions designed to work for you, your campus community, and your local market.

· Card options: The Wells Fargo Campus Card Program is unique in that it offers two different card options – the Wells Fargo Campus Check Card and an ATM/PIN-debit Card.

· An established track record: The Wells Fargo Campus Card Program is offered at 25 Colleges and Universities.

· Financial education: We provide you with a number of resources such as our online My Spending Report, our Hands on Banking ^® award-winning financial literacy tool, and customizable financial seminars for the college community.

· A wide array of products and services: Wells Fargo has products and services designed to meet the needs of students, faculty, and staff at every stage of their lives. Whether students are looking for a free checking account or a faculty member is saving for retirement, Wells Fargo has it all.

NACCU
9201 North 25th Avenue
Suite 188
Phoenix, AZ 85021
Phone: 602.395.8989
Fax: 602.395.9090
Email: naccu@naccu.org
Last Update: February 7, 2005

Higher One Rob Reach VP Global Sales rreach@higherone.com 25 Science Park New Haven, CT 06511 Phone: 203-776-7776 ext.138 www.higherone.com

Higher One
Rob Reach
VP Global Sales
rreach@higherone.com
25 Science Park
New Haven, CT 06511
Phone: 203-776-7776 ext.138
www.higherone.com