Elavon Signs Alliance Agreement with FNC Inc.

Business Wire, August 13, 2009

Agreement Supports Software Solution for HVCC Compliance

ATLANTA -- Elavon, a wholly owned subsidiary of US Bancorp (NYSE: USB) and a leading global card acquirer, signed a three-year agreement with FNC Inc., a technology company offering tailored solutions for the real-estate and mortgage industry to streamline industry processes, regulations and compliance.

The agreement provides credit and debit processing services via a new dashboard functionality offered by FNC in support of the Home Valuation Code of Conduct (HVCC) – a regulatory requirement impacting the mortgage industry’s appraiser selection process. FNC’s Collateral Management System® and Collateral HQ™ technology platform provide real-estate and mortgage banking professionals with a single source for managing multiple vendor relationships throughout the entire lending process. Elavon’s solution enables FNC’s lender clients to deliver a credit/debit payment feature on their dashboard, enabling them to more efficiently collect and pay vendor fees.

“We have been extremely impressed with the speed, efficiency and innovation from Elavon,” said Jon Fisher, Director Strategic Projects at FNC Inc. “We believe Elavon’s processing services will be an effective solution for our lender clients.”

“Our relationship with FNC is a great example of how working together, adapting to a customer’s needs and offering innovative solutions can enable commerce,” said Mike Passilla, Executive Vice President of Global Business Development for Elavon. “We are happy to support FNC in their endeavor to supply flexible solutions to their customers.”

About Elavon: Elavon’s Global Acquiring Solutions organization is a part of U.S. Bancorp (NYSE: USB) and provides end-to-end payment processing services to more than one million merchants in North America and Europe. Elavon represents the former brands of NOVA Information Systems and its affiliates FHMS and euroConex. Visit Elavon online at www.elavon.com.

About FNC Inc.: FNC pioneered real estate collateral information technology. Since 1999, FNC has offered solutions that automate appraisal ordering, tracking, documentation and review for lender compliance with OCC, OTS, Federal Reserve, FDIC, and other regulations. FNC’s lender clients have realized reduced costs and more efficient loan processing. With its collateral management platforms and collateral-focused data and analytics, FNC provides advanced insight into the property backing a loan from origination to capital markets. No one understands real estate collateral better than FNC. Visit FNC online at www.fncinc.com.