Important Dates

October 4-7

OneBridge will be attending the Share One Client Conference in Memphis, TN. Additional Info

October 10-13

OneBridge will be attending IBAT's Annual Convention in San Antonio, TX. Additional Info

Client Referral Program

Did you know that the OneBridge Client Referral Program can help you save thousands of dollars in processing fees?

For each referral you send us, you have your choice of a $250 service credit, 100 Fraud Scout calls or $1500 credit towards Point2Point Rewards implementation.

For each signed contract, you earn credit equal to one full month of our new client's processing fees (minimum $2500).

Third Quarter 2009. .

 In this Issue:

Dear Clients & Partners:

I trust that everyone has had a successful first half of 2009, a great summer and some well-deserved time off.

OneBridge has been a very busy place over the last six months welcoming new client relationships, renewing long-term partnerships, and delivering new products & services. I'd like to share some of the highlights with you:

• We welcomed three new clients to OneBridge:

• United Health Credit Union in Burlingame, CA
• Unified People's Federal Credit Union in Cheyenne, WY
• New Castle County Educational Federal Credit Union in New Castle, DE

• We expanded our credit card partnership with core processor Share One to include PIN Debit and ATM Services for their existing clients and prospects.
• We launched our "Contactless" card feature utilizing the Visa payWave system.
• We added PIN Debit and ATM services with First Internet Bank.
• We expanded our core processor interfaces to include Symitar. CD FCU in Concord, CA went live with the Symitar interface this summer and Heritage FCU in Newburgh, IN will join them in November.

As you can see, it's been a busy but productive year so far. Our dedicated team of professionals is focused on maximizing the value of all our clients' card-related payments programs with our unique blend of high-tech, high-touch services. If your institution is not yet a OneBridge client, please feel free to contact our great clients to learn more about how we take care of their business.

Please enjoy this edition of Touchpoints!

Best regards,

Jim Kern
President

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Payment card fraud schemes are constantly evolving. It's vital that you review your risk management results regularly and adjust your parameters to keep up with changing conditions.

Why review your risk management results?

• Reduce false positives
• Decrease losses
• Improve internal processes
• Enhance cardholder satisfaction
  

To assist in this effort, OneBridge is pleased to introduce quarterly reviews designed to help you keep your risk management parameters performing at optimum levels.

We have completed reviews with two clients who found tremendous value in the evaluation. The reviews fostered open discussion which led to positive action towards balancing loss prevention with cardholder satisfaction.

Here are a few examples of changes that were made as a result of the reviews:

• We removed a few real-time authorization filters for one client because they were causing a negative impact on cardholders and were no longer successfully capturing fraudulent transactions.
  
  
• We streamlined velocity monitoring rules to distinguish between debit and credit card users. New rules were created based on the actual spending patterns of each program.
  
  
• We discovered that the card activation process was failing periodically for one client. The discovery led to more investigation and, ultimately, resolution.

Reviewing the results of your fraud detection and prevention strategy is a proven catalyst to increasing the effectiveness of the services available with OneBridge.

With the peak shopping season just around the corner, now is an ideal time to evaluate the risk management parameters you have in place. Make sure your card program is finely tuned for the upcoming holiday season. Call us today to schedule your first quarterly review!

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We are delighted to welcome two new clients from opposite ends of the country who are bringing their credit card programs in-house . . . with a little help from OneBridge.

This strategic decision positions both institutions to:

• Provide a more convenient credit card product to their cardholders, and
  
• Cost-effectively grow their portfolios.

Please join us in welcoming United Health and New Castle to OneBridge!

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We are pleased to announce that John Buaas has joined our business development team as Regional Vice President of Sales for the Southwestern and Western U.S. John has extensive experience in the financial services marketplace with companies such as M-Tech, EDS, Open Solutions and, most recently, RMS, a provider of marketing solutions for large financial institutions. We're excited to have John on board to help us expand our relationships with financial institutions across the country. John offices in Dallas, TX. He can be reached at jbuaas@onebridge.com or 214.585.0617.

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Training Focuses on Effective Risk Management

When it comes to combating fraud, we're all in it together. So this summer, we hosted client training at our corporate headquarters in Indianapolis to help OneBridge clients minimize fraud losses.

The session turned out to be a great forum for clients to share their stories and for all of us to work together to explore new solutions to each institution's challenges. We reviewed OneBridge's risk management tools, with special emphasis on Proactive Risk Manager (PRM) Analysis and Review.

We understand it can be difficult to balance cardholder satisfaction with risk management controls. But we're happy to report that class attendees left Indianapolis armed with new ideas for improving cardholder convenience while saving time and money in the fight against fraud.

The two-day training session also included a visit to the Personix card personalization facility in Indianapolis, where clients saw firsthand the operations and security controls involved in generating cards and getting them out the door and into cardholder hands.

Focus on Minimizing Fraud Losses

Back row - Brandi Caya, Janet McAuslin, Ruth Gaon, Heather Eikenberry Stoner,

Marianne Barao, Deena Coll, Susie Golden-Bishop

Front row - Kerry Davis, Angie Abel-Clark

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Visa News

Visa Launches Global Advertising Campaign

More people GO with Visa

On March 2, Visa launched its first global advertising campaign, entitled "More people go with Visa". The new campaign unifies Visa's worldwide marketing under a single theme that highlights the superior value Visa products offer versus cash and checks - including more security, more control and more convenience.

The "More people go with Visa" campaign delivers on their commitment to offer increased value to their clients. It was created with the goal of migrating consumer and business spending from cash and checks to Visa and, in doing so, helping you grow your payments business. The campaign is designed to complement your marketing efforts, by positioning Visa as the facilitator of transactions - that moment in time where people are taking action to buy the things they need. With Visa's marketing efforts centered on driving usage, they better enable you to focus your marketing resources on competitive differentiation and strengthening cardholder relationships. Additionally, the "More people go with Visa" campaign establishes a single global marketing message that will be executed locally for maximum relevance and impact: The "More people go with Visa" platform:

• works across all geographic regions and demographics;
• readily adapts to both brand and product executions;
• is well suited to traditional and new media; and
• strongly supports Visa's sponsorship properties and merchant partnership programs

Recognizing the global economic climate into which the "More people go with Visa" campaign is being launched, the campaign reflects that for people who are ready to go, Visa is a better and more responsible way to pay. The campaign reinforces Visa's commitment to enabling clients to empower their cardholders with a wide range of payment products that best fit their individual situations. It also reminds people to go responsibly and that Visa offers free financial literacy and money management tools to help them do so.

We invite you to see the new creative content at www.visa.com/globaladvertising. As you'll see, the campaign elements - print, broadcast, online and outdoor - all bring to life the link between going and payments.

As part of the campaign, Visa is also hosting a consumer website called "let's go save some money." where cardholders have access to money saving offers from leading retailers. Get in on the action by adding a Visa "let's go save some money." link to your website. Check it out.

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Client News

It's not surprising that OneBridge clients are very engaged in helping their communities. We'd like to share just a few of the community activities that OneBridge clients supported this summer.

Massachussetts-based Rockland Federal Credit Union collected donations to help send children to local summer camping programs and supported a team of 10 employees who participated in the American Cancer Society's Relay for Life event.

CD Federal Central Credit Union held its CEO for a Day contest again this year. The contest was open to 4th and 5th graders from the Mt. Diablo Unified School District, members and business customers. The contest required the children to write essays about what they want to be when they grow up. More than 140 essays were received.

NorthPark Community Credit Union of Boone County, IN recently participated in the United Way's Backpack Attack, a program in which they joined forces with the United Way to collect supplies to fill backpacks in preparation for the upcoming school year.

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Industry News

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