OmniShield 360 will protect your ATM, Consumer Debit, Business Debit and Home Equity Line of Credit Debit cards. Currently, it does not support Credit cards.

You begin receiving reimbursement on your fraudulent ATM/Debit card transactions beginning with your first dollar in fraud loss. There is no waiting period, nor is there any amount which you must absorb before OmniShield 360 begins reimbursing you.

Vantiv will reimburse you beginning with your first dollar in fraud losses up to an annual maximum limit. Vantiv can provide you with your annual maximum reimbursable amount.

Fraud Monitoring, Real Time Decisioning, Real Time Fraud Scores, Enhanced Chargebacks and Automated Fraud Reporting are complementary products to OmniShield 360. If you do not currently have one of these products, it will be turned on for you.

Vantiv will operate and use these products on your behalf to reduce fraud and process your chargebacks. You do not need to be trained on them.

OmniShield 360 covers the most common types of fraud, including:

• Card-present and Card-not-present
• Domestic and international transactions
• Counterfeit and skimmed cards
• PIN and Signature transactions
• ATM and Debit card portfolios

The following types of fraud are not covered:

• Friendly fraud in which cardholders knowingly provided their PIN numbers and/or access to their ATM/Debit cards to another individual
• Criminal behavior or activity by employees of the institution that directly or indirectly resulted in the fraudulent activity
• Normal merchant disputes that are not fraudulent

The OmniShield 360 monthly fee is a fixed percentage of the monthly dollar volume spent by your cardholders. This includes Signature Authorizations, PIN/Point of Sale Debit, PIN/Preauth Debit and PIN/Cash Withdrawals. While the pricing is a fixed rate, the monthly amount will fluctuate based on the spending activity of your cardholders.

Your Relationship Manager will provide a custom quote for this product.

Vantiv will review each claim to verify that it is a fraudulent transaction. Claims that are not related to fraudulent activity are not covered under OmniShield 360.

At any time, you may view rules in Real Time Decisioning. If you have a question or concern about a Real Time Decisioning rule implemented by Vantiv, contact your Relationship Manager to discuss it.

Vantiv does not place cards on the Exclusion list. That is done by the financial institution. As such, Vantiv will not reimburse fraud losses incurred on cards on the Exclusion list.

We realize that card re-issues can cause disruptions to a debit portfolio and cardholder confusion. Any decision to re-issue must be weighed against the customer impact it will have. Vantiv makes recommendations on reissues, and you will receive a credit of $1.50 per card for all cards on the recommended reissues.

If you decide to not re-issue the cards as recommended by Vantiv, then future fraudulent transactions conducted on those cards are not eligible for reimbursement under OmniShield 360.

Once a decision has been made to adopt OmniShield 360, you can be converted to it in three to six weeks, on average.

When a cardholder informs you about a transaction that they did not perform, you have two options. You can give your customer the Vantiv 800 number, and we will handle the issue with your cardholder. Or, you can collect the data from the cardholder and fax it to Vantiv.

OmniShield works on a rolling 12-month timeframe, and participation is co-terminus with your EFT processing contract.

Once a claim has been submitted, Vantiv will verify that it is fraudulent and will pursue chargeback opportunities if applicable. As a result reimbursement timeframes vary from transaction to transaction. In general, reimbursements occur in 30 to 60 days.

Vantiv provides monthly reports of all claims (new, pending and closed claims).

Vantiv provides card production and mailing services related to data compromise card reissues. An institution may elect to provide advance notification to their customers of the reissue. Vantiv does not provide this service.

An institution is responsible for all chargebacks that they have initiated in the Chargebacks system prior to the beginning date of the OmniShield 360 service as well as for any new chargebacks necessary for transactions authorized prior to the beginning date of the OmniShield 360 service. Vantiv will handle all chargebacks for disputed and fraudulent transactions that are authorized on or after the beginning date of the OmniShield 360 service.

An institution will receive provisional credit recommendations via the chargebacks system. An institution should review recommendations on a daily basis and approve them, as appropriate. After the approval, the institution will credit the cardholder's account, and Vantiv will mail a letter to the cardholder notifying them of the provisional credit.

Each institution has access to Real Time Decisioning through Vantiv Direct. Institutions can add and remove cardholders from the Exclusion list in Real Time Decisioning as needed.

Vantiv handles nearly all aspects of the chargebacks process on behalf of the institution. We provide you recommendations on provisional credit, final credit and revoking the provisional credit. You will monitor these recommendations on Vantiv Direct and approve as appropriate. Any debits or credits to the cardholder's accounts will be performed by the FI.

Vantiv will notify the institution on the provisional credit within a couple business days.

Vantiv conducted research into small-dollar fraudulent transactions. While the quantity of these transactions may be material, the dollar amount of fraud they represent is approximately 6%. To keep costs in line for the OmniShield 360 service, small-dollar fraud is not reimbursed to minimize the staffing needs to process the volume of these transactions.

OmniShield Plus will protect your ATM, Consumer Debit, Business Debit and Home Equity Line of Credit Debit cards.

Fraud Monitoring, Real Time Decisioning, Real Time Fraud Scores and Automated Fraud Reporting are complementary products to OmniShield Plus. If you do not currently have one of these products, it will be turned on for you.

Vantiv will operate and use these products on your behalf to reduce fraud. You do not need to be trained on them.

The OmniShield Plus monthly service is custom quoted for each institution. Pricing is based on the number of active cardholders in the month.

Your Relationship Manager will provide a custom quote for this product.

Vantiv will actively manage fraud rules within Real Time Decisioning on your behalf. With OmniShield Plus, you can add or modify rules in Real Time Decisioning as well.

Yes, Vantiv monitors all CAN/CAMS alerts from MasterCard and Visa and their severity. Vantiv also has invested in the analytics to conduct its own card compromise research to identify those cards faster. Vantiv will make recommendations on card reissues as the severity warrants.

Vantiv provides card production and mailing services related to data compromise card reissues. An institution may elect to provide advance notification to their customers of the reissue. Vantiv does not provide this service.

Once a decision has been made to adopt OmniShield Plus, Vantiv can begin managing your fraud in three to six weeks, on average.

Each institution has access to Real Time Decisioning through Vantiv Direct. Institutions can add and remove cardholders from the Exclusion list in Real Time Decisioning as needed.

Fraud Monitoring, Real Time Decisioning, Real Time Fraud Scores and Automated Fraud Reporting are complementary products to OmniShield Plus. If you do not currently have one of these products, it will be turned on for you.

Vantiv has invested in the analytics to conduct its own card compromise research to identify compromised cards faster. Vantiv will provide compromise alerts notifications from time to time. The financial institution controls whether to reissue these cards.

Each institution has access to Real Time Decisioning through Vantiv Direct. Institutions can add and remove cardholders from the Exclusion list in Real Time Decisioning as needed.

Real Time Decisioning and Automated Fraud Reporting are effective within one to two weeks of the institution adopting OmniShield Select. Fraud Monitoring and Real Time Fraud Scores are available four to six weeks of adopting OmniShield Select.