MasterCard International
Franchise Management
2000 Purchase Street
Purchase, NY
November 2, 1999 CONFIDENTIAL
Mr. William Appleton
Assistant Vice President, Cards
First American National Bank
550 Metroplex Drive
Nashville, TN 37211
Re: Pinnacle Business Management, Inc. Maestro/Cirrus Affinity/Co-Branded
Marketing Program
Dear Mr. Appleton:
Thank you for submitting First American National Bank's application for a
Maestro/Cirrus Affinity/Co-Branded (A/CB) marketing program with Pinnacle
Business Management, Inc. We are pleased to inform you that First American
National Bank may proceed with the A/CB marketing program's development and
launch, although final approval is contingent upon the receipt of all required
documentation.
Based on the information in your application, MasterCard understand the ECash
Maestro/Cirrus Card program will operate as described below. Given this
understanding, we determine the ECash Maestro/Cirrus Card program to be in
compliance with applicable Affinity/Co-Branded Rules as specified in Maestro
International Operating Rules and Cirrus System Rules.
I. Program Design
A. The First American National Bank Pinnacle Business Management, Inc.
program will exclusively offer a Maestro/Cirrus Card product.
B. ECash Maestro/Cirrus cards may be used at any MasterCard Network
displaying the MasterCard, Maestro, and Cirrus brands.
C. Ecash Card MasterCard cardholders will not be offered any specific
affinity/co-branded benefits at this time.
D. First American National Bank is required to provide a card design to
MasterCard International to complete the file for this A/CB marketing
program. Please forward this document at your earliest convenience.
II. Security Requirements MasterCard International's Security & Risk Management
group has reviewed the Pinnacle Maestro/Cirrus card marketing program. In
addition to the security measures outlined in Pinnacle's October 25, 1999
letter, the following security procedures for card handling and
distribution, and completed cardholder application handling, should be
implemented at all locations involved with the Pinnacle Program.
A. AUDIT CONTROL LOG
The Audit Control Log provides the ability to account for the number
and location of Pinnacle Ecash Maestro/Cirrus Cards at any point
during storage or distribution. At a minimum, the Audit Control Log
should contain the following information.
- description of cards stored and released (i.e., account numbers)
- date and time of each card release
- signature of individual(s) releasing the card
Access to the card stock should be under dual control. Ideally, there
should be one employee who has one access level (i.e. key entry) and
second employee who retains a combination for a secondary lock. Both
employees' names should be indicated on the Audit Control Log. The
Audit Control Log's ability to track the cards also will assist
exception monitoring personnel in identifying potential loss
situations.
B. CARD THEFT
First American National Bank should be notified in the event of a
confirmed or suspected theft of Pinnacle Ecash Maestro/Cirrus Cards.
The information can be used to revise exception monitoring for
tracking and identifying the location of the potential loss.
C. CARD STORAGE
Although the Pinnacle Ecash Maestro/Cirrus Cards are not "live" until
activated by the cardholder, the card storage area must be protected
at all times by using recognized security control devices, limiting
and controlling access and applying acceptable audit control
procedures. These cards should be stored in a safe with dual control
access (dual keys or key & combination). The storage facility area
should be used only for these cards and for no other supplies. This
storage area is considered a high priority security area.
D. COMPLETED CARDHOLDER APPLICATION HANDLING
Completed cardholder applications should be handled in a secure
manner. At the end of each day, all original copies either should be
removed from all locations involved in the Pinnacle Business
Management, Inc. marketing program or should be destroyed with a
shredder.
III. NOMENCLATURE & MARKETING
A. According the Maestro/Cirrus communications standards, all A/CB
Program communications must prominently refer to the Maestro/Cirrus
debit functionality. Pleas submit all marketing materials for this
Maestro/Cirrus A/CB marketing program for review prior to use.
IV. CARD DESIGN
A. Cad design was not submitted with the A/CB application. Final card
design approval is contingent on receipt of a proof submitted by your
card manufacturer to Ms. Kisha Thorne, Specialist, Card Design
Services who can be reached at telephone 914-249-5713 or fax
914-249-4355.
Please notify MasterCard if First American National Bank adds or modifies any
element of this A/CB marketing program. If you have any questions regarding the
A/CB marketing program, please call Michelle Mitchell, Program Manager,
Affinity/Co-Branded Approval Process at 914-249-5005 or fax at 914-249-4351 or
your regional MasterCard Office.
We are delighted that you have selected Maestro International and Cirrus System,
Incorporated for the First American National Bank Pinnacle Business Management,
Inc. Card program. MasterCard International is ready to make every effort
possible to meet your schedules for launch and to make this exciting new program
a success.
Sincerely,
MasterCard International
/s/
Shari Krikorian
Director
Brand Standards
cc. J. Laubert MasterCard International