For Immediate Release

Contact:
Jan Dailey, SVP, Marketing Manager
972.391.6191, jan.dailey@tnbcard.com

Kristine Tanzillo, Dux Public Relations
972.889.9577, Kristine@duxpr.com

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TNB Card Services Introduces VIP Portfolio Pro™, Powerful Tool for Moving Credit Card Portfolios to the Next Level

Dallas – August 27, 2007 – TNB Card Services today introduced a robust, easy-to-use portfolio
management tool that enables credit unions to increase revenue and cardholder satisfaction. VIP
Portfolio Pro™ helps credit unions’ move management of their credit card portfolios to the next level by turning processing data into valuable decision-making information.

VIP Portfolio Pro pinpoints the most relevant information from the card portfolio, enabling
unprecedented levels of analysis. Its functionality provides the foundation for effective program management and improved audit support.

TNB designed VIP Portfolio Pro to be extremely easy to use, with data presented concisely in a familiar Microsoft Excel® spreadsheet format. Users find it easy to drill down for greater detail or zoom out to an overall portfolio view. Exports of charts and data tables are simplified, and the solution provides the dependable security of all of TNB’s VIP Solutions®.

The new portfolio management tool includes – Executive Management Report Suite, a
powerful tool that highlights key credit card ratios and trends on a daily basis; Risk Management Report Suite, delivers a monthly “state of the business” view providing key findings regarding areas of vulnerability and opportunity within the portfolio; and Risk Operations Report Suite, offers key information, daily and monthly, relating to credit line increases, new accounts, and more.

VIP Portfolio Pro enables a credit union to stay on top of the growth of its credit card accounts, trends in overall balances and credit lines, balances per account, net retail sales, interest income, and much more. It increases a credit union’s ability to monitor for potential fraud and manage its
portfolio risk.

“VIP Portfolio Pro gives a better overall picture of our portfolio,” said Keith Spivey, vice
president of payment systems for EECU, the Texas-based credit union with more than 100,000 members and assets of more than $637 million. EECU was one of several credit unions that piloted VIP Portfolio Pro in an extensive test of the tool.

Spivey went on to say that VIP Portfolio Pro “also provides good trending information, as well
as highlighting strengths and challenges that were previously much harder to identify. There are multiple ways to view the portfolio data, which helps us understand how to manage it more effectively.”

“The combination of extensive data availability and ease of use make VIP Portfolio Pro stand out among card portfolio management solutions,” said Dusty Bowers, senior vice president of TNB Card Services. “It puts powerful management tools into the hands of credit union portfolio managers, allowing them to determine and implement the actions needed to increase revenue, decrease risk, improve cardholder retention, and boost cardholder satisfaction.”

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About TNB Card Services

TNB Card Services, owned and directed by credit unions since 1976, provides electronic
payments processing, as well as an agent issuing solution for credit unions nationwide. Serving more than 500 financial institutions and managing more than 1.8 million cards, Dallas-based TNB enables credit unions to enhance member loyalty through credit union-branded card products. For more information about TNB, go to www.tnbcard.com or call Dusty Bowers at 1-800-422-0733 ext. 6555.