MELBOURNE (Standard&Poor's) Dec. 11, 2012--Standard&Poor's Ratings Services' said today that its ratings and outlook on the finance company Cuscal Ltd. (A+/Stable/A-1) are currently not affected by recent disruptions to the company's payments and processing services. Cuscal provides essential core banking services to a number of credit unions through its payments and processing platform. We understand that Cuscal has had two notable disruptions in its payments and processing services since migrating to a new payments and processing platform in November. The first instance was a foreseen and minor problem that affected only some of those cardholders whose PINs were longer than four digits prior to their migration to Cuscal. The second instance was an unforeseen problem and