PULSE_Network Brochure_Marie Braeutigam

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Debit matters more than ever. Debit accounts for 75% of monthly demand-deposit account activity 1 and is the preferred form of non-cash payment among U.S. consumers 2 . As consumers use debit more often at the point of sale, online and in-app, your institution needs a debit network partner that keeps pace with changes in consumer behavior and helps your business thrive. Debit is our expertise. You are our priority. As the only major debit network not owned by a processor or acquirer, PULSEĀ® is uniquely positioned to put your needs first. Focus, Innovation, Partnership What sets PULSE apart from other debit networks is our exclusive focus on debit and our commitment to your success. We deliver solutions that help your institution maximize the value of debit by delivering unmatched personalized service, flexibility and choice, continuous investment in our network and superior economics to boost your bottom line. Unmatched Client Service PULSE was established in 1981 as a member-owned organization, focused on delivering value to our member financial institutions. Providing issuers unrivaled service remains a priority today, with each getting a dedicated account executive. Here's what our clients say 3 : "We always get responses back, and we like that we have dedicated people there." "Our representatives understand our expectations." "Our rep is extremely responsive, very proactive." When our issuers succeed, we succeed. Why PULSE? PULSE is the only major EFT debit network not owned by a processor or acquirer. We optimize merchant routing volume to serve your interests. PULSE won't bundle your debit network under processing services that erode revenue. We aren't beholden to legacy networks or their mandates. PULSE does what's right for you. We deliver value through highly competitive interchange and low fees, and we won't lose sight of your debit revenue. We offer the full range of debit transactions. Call PULSE. We call you back. Our culture of service means personal attention for you and your business.

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