Florida Banking April/May 2025

8NLSN ܪ HFSYQ^ *SMFSHJ >TZW 7J[JSZJ \NYM 5.3 3JY\TWP 4UYNRN_FYNTS With every debit card swipe, your institution has the potential to earn more interchange revenue—if you have the right PIN network in place. Rates FSI KJJ XYWZHYZWJX MF[J HMFSLJI XNLSN ܪ HFSYQ^ NS WJHJSY ^JFWX FSI NK ^TZW network stack hasn’t been optimized, you’re leaving money on the table. &Y &WWNGF &I[NXTWX \Jѣ[J MJQUJI HTZSYQJXX ܪ SFSHNFQ NSXYNYZYNTSX NIJSYNK^ more issuer-friendly networks and negotiate better agreements to optimize their PIN network interchange income while reducing debit processing costs and maximizing incentives with your card brand vendor. Our expert team will evaluate each network based on your unique income levels and needs, which means reduced processing costs and a healthy boost to your bottom line. With PIN network optimization from Arriba Advisors, debit card interchange income will become a top contributor to your deposit-based, non-interest income. 9FGQJ 4UYNRN_J >TZW .SYJWHMFSLJ .SHTRJ Don’t Leave 2TSJ^ 4S YMJ

Contact us today to enhance your revenue. Visit us at arribaadvisors.com/optimize.