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09 December 2003

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ATMOS Delivers ATM Card Processing Services to Bradford & Bingley plc

ATMOS, the UK's largest provider of outsourced transaction management services for financial institutions and independent ATM deployers, has successfully delivered a full ATM card processing solution to Bradford & Bingley plc. ATMOS now provides Bradford & Bingley with card issuing and management services as well as authorisation, replacing its in-house systems.

" The implementation of this full card issuing and management service marks a significant expansion of the outsourcing product portfolio that ATMOS can offer", said Peter Flynn, ATMOS General Manager. "The service is available to all financial institutions wanting to provide card facilities to their customers."

Following an extensive planning and implementation schedule, ATMOS was able to execute a seamless switchover to Bradford & Bingley from its previous service provider. The transfer was successfully completed in late October when the service went live. The contract covers a cardholder base of 225,000 cards and also includes a 24/7, (365 days a year) ‘hot card' helpdesk service, handling calls from customers whose cards have been lost or stolen.

Bradford & Bingley’s Project Manager, Neil Watson commented, “ATMOS delivered a comprehensive bespoke authorisation and card management system for us on time and to specification. ATMOS was selected because of its ability to meet our very specific requirements, including card & PIN processing, on/off host authorisation and a round-the-clock helpdesk facility.”

About ATMOS - Editors' notes

ATMOS is the outsourcing division of LINK Interchange Network Ltd (LINK), the company that operates the UK's shared cash machine network. ATMOS provides outsourced ATM management and card services to Financial Institutions and Independent ATM Deployers. In a short space of time, ATMOS has built its current position as the largest provider of ATM outsourcing services in the UK. It currently manages approximately one quarter of the total number of ATMs connected to the LINK network and continues to attract customers to its outsourcing services thanks to its deserved reputation for security, integrity and quality of service. ATMOS draws on LINK's proven capability in the provision of shared financial transaction processing and uses the same secure and stable infrastructure and skill set to deliver its range of cost-effective outsourcing services.

LINK provides electronic transaction management services to over 50 organisations including the UK's largest retail financial institutions. The LINK network connects 46,000 cash machines and there are over 95 million LINK cards in issue. LINK processes and provides settlement for over 2 billion transactions annually.

About Bradford & Bingley – Editors Notes

Bradford & Bingley plc operates two distinct but complimentary businesses. It is the UK's largest retailer of financial and property services offering product choice and advice with national distribution through a range of channels including online and 500 plus branches. Its Lending & Savings business develops and manufactures its own selective products.

Moneybox Corporation, an independent ATM deployer has taken over the management of Bradford & Bingley's ATM estate.

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For further information:

John Pinniger
External Adviser
Primeword Communications
Tel: 0207 738 6000
Mobile: 07050 052 934

Peter Flynn
General Manager
ATMOS
Tel: 01423 356340

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