Penley, an eFunds Subsidiary, and IntegraSys, Unit of Fiserv Team, to Sell Identity Fraud Prevention Program

Market Wire, December, 2004

Penley, a wholly owned subsidiary of eFunds Corporation (NYSE: EFD) and IntegraSys, a Frisco, Texas-based business unit of Fiserv, Inc. (NASDAQ: FISV) today announced a new agreement through which IntegraSys will privately label and sell Penley's ID Verification solution. This agreement helps IntegraSys provide its credit union customers with an extensive, easy-to-use and cost-effective identity fraud prevention program as well as compliance with the USA PATRIOT Act Section 326, 314(a) and Office of Foreign Assets Control (OFAC) regulations.

The Federal Trade Commission's September 2003 "Identity Theft Survey Report," prepared by Synovate, shows that in the last 5 years, more than 27 million Americans have been victims of identity theft, and the rate is increasing. Businesses and financial institutions lost some $48 billion from fraud and identity theft in the year prior to the survey.

"Identity fraud is a substantial issue facing financial institutions today. Our clients need comprehensive information about prospective members to make better-informed decisions that will help combat this ever-increasing problem," said Sara Brooks, senior vice president, Strategy, Marketing and Offerings Development for IntegraSys. "Our relationship with Penley provides our clients access to a simple turnkey solution that increases protection against identity fraud while complying with important regulatory mandates."

ID Verification is a tool to assist with the verification of the identity of individuals and businesses by cross-checking more than 23 billion aggregated records. In seconds, ID Verification assesses the consistency of identity information and provides detailed information for credit unions to make proactive and educated decisions about potential members. In addition, the solution screens OFAC and other government lists, offers a customizable customer identification program (CIP) and stores transactional data in an easily searchable format for internal analysis and examiner review.

IntegraSys customers will also receive seamless access through the Penley solution to other applications within the ChexSystems(SM) product suite, which is offered by eFunds' subsidiary Chex Systems, Inc. This suite provides advanced software and services to assist with identity verification, fraud prevention, risk management and revenue optimization. Credit union staffers will be able to access information on new account applications from within the same Web-based service without having to retype information in multiple systems, which increases efficiency and value, and provides faster member service.

This agreement further expands the long-term relationship between Fiserv and eFunds. "We are excited to be working with IntegraSys and their customers. This agreement helps us reach and serve a much broader client base," said Bruce Lowthers, Penley's president. "Additionally, the partnership reflects our continued success in building relationships with industry leaders and extending business into profitable growth markets. We look forward to further developing the unlimited potential of our solutions and this relationship."

About IntegraSys

Combining a new spirit of innovation with 30 years of industry experience, IntegraSys delivers a comprehensive range of well-integrated systems and services that accelerate credit unions' growth and drive business efficiencies. Whether clients require sophisticated service bureau or in-house technologies, IntegraSys delivers industry-leading technology to help credit unions compete and win in their markets. The IntegraSys suite of products and services includes core processing, loan origination, asset and liability management, ATM and debit card services, Internet banking, lending, and bill payment and presentment services. For more information, visit www.integrasys.fiserv.com.

About Fiserv

Fiserv, Inc. (NASDAQ: FISV) provides information management systems and services to the financial industry, including transaction processing, outsourcing, business process outsourcing and software and systems solutions. The company serves more than 15,000 clients worldwide, including banks, broker-dealers, credit unions, financial planners/investment advisers, insurance companies and agents, self-funded employers, lenders and savings institutions. Headquartered in Brookfield, Wis., Fiserv reported $2.7 billion in processing and services revenues for 2003. Fiserv can be found on the Internet at www.fiserv.com.

About Penley

Penley, a wholly owned subsidiary of eFunds Corporation, offers easy-to-use technology solutions that provide financial institutions with comprehensive information that protects against fraud, offers business intelligence and increases operational efficiency. With more than 1,500 institutions implementing Penley's flagship solution, ID Verification leads the market in providing tools to assist with USA PATRIOT Act Section 326, 314(a) and OFAC compliance as well as an extensive identity fraud prevention program. The company's advanced technology platform ensures the delivery of superior services as well as best-of-breed automation, security, and technology. For more information or to take a "test drive," visit www.penleyinc.com.