FOR A BARRIER-FREE PAYMENT PROCESSING SOLUTION

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1 FOR A BARRIER-FREE PAYMENT PROCESSING SOLUTION MAKE THE SWITCH TO MONEXgroup ecommerce I Mobile I Wireless I Integrated I Countertop Solutions PAYMENTS IN-STORE PAYMENTS ON-THE-GO PAYMENTS ONLINE Accept secure debit and credit card payments with fast processing Accept payments anywhere you are with our mobile terminals Process secure transactions and turn online browsers into buyers

2 INDUSTRY SECURITY PRODUCTS ABOUT US ABOUT US With its headquarters in Toronto, MONEXgroup is the leading independent provider of payment processing services in Canada. OUR SOLUTIONS Our solutions simplify the acceptance of Debit card and Credit card payment processing through various platforms including ecommerce, Integrated Solutions, Countertop Terminals, Wireless Solutions, Virtual Terminals and Mobile Checkout. OUR EXPERIENCE Our industry leading customer service, proven expertise, innovative and secure technology are several of the instrumental reasons why MONEXgroup was awarded and ranked as the #1 Payment Processor in Canada (by TopCreditCardProcessors.ca). 25,000+ BUSINESSES LARGEST INDEPENDENT PROCESSOR PROVEN EXPERIENCE

3 OUR GOAL To forge a business relationship working together with you to understand and meet your unique business needs. OUR MISSION Our mission is to provide innovative, cost-effective and stress-free payment processing solutions to our customers. OUR VISION To be the leading customer-focused payment provider offering exceptional service and innovative payment solutions throughout Canada. I would recommend MONEXgroup s services to any business that is looking for reliable, outstanding service and a partner they can count on. ~ Director of Operations, Hero Certified Burgers. OUR OFFER CONTACT US: SERVICE TRANSPARENCY PAYMENT TECHNOLOGIES SECURITY & RELIABILITY PARTNERSHIP MONEXgroup.com SOME OF OUR CLIENTS

4 INDUSTRY SECURITY PRODUCTS PRODUCTS Our solutions have been specifically designed to help our clients provide their customers with a seamless experience, letting you focus on your business rather than your payment solution. Since switching to MONEXgroup, I save between 25-30% on my monthly payment processing costs. ~ Business Owner, Mr. Sub IN-STORE PAYMENTS ON-THE-GO PAYMENTS E-COMMERCE PAYMENTS INTEGRATED PAYMENTS Tap & Go Tap & Go Countertop VX 810 Duet Wireless - GPRS iwl250 ecommerce Orbital Gateway Solutions Integrated Solutions Fast, Flexible and Reliable Pocket Sized Mobile Payment Solution emarketplace that is Open 24/7 Reduce Errors, Maximize Efficiency Unmatched security and reliability Pay anywhere your customers are with clear reception Process payments from anyone, anywhere Integrated and semi-integrated solutions Ideal for high traffic and high volume environments Dial back-up feature: to continue processing in the event your IP connectivity is unavailable Built-in printer, fastest in the market Stay connected, no more dropped transactions *Also available with Bluetooth Fully customizable for services that best meet your needs Customize your payment flow through a Hosted or Non-Hosted Checkout solution Gain visibility into your finances Eliminate double entry errors at both the POS and PIN Pad Compatible with almost any Integrated Retail Management (IRM) software

5 COUNTERTOP TERMINALS Tap & Go Tap & Go Tap & Go WE OFFER: 24/7/365 Multilingual Service ict220 Countertop Multipurpose ict250 Countertop Light Weight, Stylish and Self Contained ipp320 PIN Pad The Easiest-to-Install PIN Pad on the Market Next Day Deposits This high-speed terminal is fully bilingual Accept all types of electronic card payments without requiring an interface with a POS system / IRM software Add on an optional customerfacing PIN Pad (ipp320) for contactless payments A compact device with colour screen and built-in contactless reader Process all types of debit and credit payments, including Chip & PIN, swipe and contactless Combines an ergonomic keypad with a high-speed thermal printer Standalone Integrates to your IRM software Accept PIN-entry and contactless payments 2-4 Hour/7 Days a week Onsite Swap Service Transparent Pricing; No Hidden Fees Online Reporting WIRELESS SOLUTIONS WEB-BASED SOLUTIONS Tap & Go Pay@Table - Bluetooth iwl220 Mobile Checkout Solutions Virtual Terminal PC Based Hosted Checkout Solutions Fast and Efficient For Businesses on the Move Efficient and Cost Effective Secure Transaction Processing Accept payments anywhere inside or within close proximity to your location Built-in thermal printer and contactless reader Transform your mobile device (ios, Android or ipad) into a secure payment terminal No need for additional phone lines or hardware Use existing hardware for mobile commerce Leverage your existing PC and internet connection No need for additional phone lines or hardware Supports recurring payments No up-front capital expense Accept online payments Simple integration to your website

6 INDUSTRY SECURITY SECURITY MONEXgroup provides you with the latest PCI complaint technology where we secure your success and help you focus on building and retaining relationships with your customers. PCI SECURITY STANDARDS GOALS TO MERCHANTS Build and Maintain a Secure Network Install and maintain a firewall configuration to protect data Do not use vendor-supplied defaults for system passwords and other security parameters Protect Cardholder Data Protect stored data Encrypt transmission of cardholder data and sensitive information across public networks Maintain a Vulnerability Management Program Use and regularly update anti-virus software Develop and maintain secure systems and applications Implement Strong Access Control Measures Restrict access to data by business need-to-know Assign a unique ID to each person with computer access Restrict physical access to cardholder data Regularly Monitor and Test Networks Track and monitor all access to network resources and cardholder data Regularly test security systems and processes Maintain an Information Security Policy Maintain a policy that addresses information security Source: PCI Security Standards Council. Visa. MasterCard, Merchants CA, For more information, visit:

7 MONEXgroup has partnered with industry leaders to provide you with the highest level of PCI Security Standards and Compliance. SECURITY MEASURES 1. Chip and Pin Technology : Authenticated Use of Card; where the use of pin reduces the possibility of fraud due to lost, stolen or counterfeit cards. Reduces the Risk of Chargeback; where Chip and Pin technologies verify the signature and eliminates your responsibility for Authentication. Supports Faster Authentication; with inserting PIN and verifying the user making checkout quicker. Magnetic Stripe Cards; compatible with other international and regional standards, allowing your customers to use their cards on your terminal. MONEXgroup suggests: Protect your POS Equipment. Safeguard the Equipment in the POS Area. Teach your staff how to recognize and prevent equipment tampering. 3. Online Fraud Prevention: 2. POS Fraud Prevention : POS Equipment; which comes with Account Verification System. CVV2/CVC2. Duplicate Card Checking. Last Four-Digit Entry. Password Protection of Key Functions. Online Reporting; with full Accessibility to Transaction Data. Speed of Service. Reliability. Reporting System. Account Security Verification (AVS); which verifies the cardholder s billing address with the card issuer. Card Security Verification; by looking at the credit card s security value (non-embossed 3-4 digits code) and check it against the issuer s value on file. Payment brand security programs i.e. CVV2 (Visa ), CVC2 (MasterCard ), CID (American Express ) and CID (Discover Card). Payment Brand Data Security; to help you comply with payment brand data security programs.

8 INDUSTRY INDUSTRY REPORT RESTAURANTS Restaurants represent 83% of the Foodservice market with a revenue stream estimated to reach $60 billion, contributing 4% to the growth of the nation s GDP in Spending time with family and friends at restaurants is the number one preferred activity in Canada. The Restaurant industry is one of the most competitive markets in the country, becoming more specialized with niche categories, variety of food, size of menus, atmosphere and changing consumer cravings. According to Restaurants Canada - an association which represents 91,300 restaurants, bars and caterers - this industry has created employment opportunities for over 1.2 million workers. The industry is categorized into 60% independent restaurants and 40% franchised or national corporate chains (Restaurants Canada s Food Service Facts, 2014). RESTAURANT REVENUE As indicated by the annual consumption rates published by Statistics Canada, Canadians spend a high portion of their food dollars in Restaurants. On average, 28% of household consumption in the Foodservice industry is spent on eating-out in Restaurants. The majority of diners range between the ages of years, followed by Boomers between years and seniors 65 years+ (NDP Group, 2014). From , there have been an 18% increase in the Foodservice industry's sales figures and a 38% increase in the total revenue generated from Restaurants. Source: GE, Canadian Chain Restaurant Industry Review, 2014 $75 $70 $65 $60 $55 $50 $45 $40 $61.0 Foodservice Sales & Restaurant Revenue by Year (Billions) $48.6 $62.6 $50.0 $65.5 $82.5 $68.4 $54.4 $71.8 $ Foodservice Sales Restaurant Revenue Trend RESTAURANT TRENDS In 2014, Canadians made 18 million daily restaurant visits, peaking during lunch time. Coffee shops and quick-service restaurants are now considered the top destination for 65% of Canadians. Meanwhile, the low calorie meal concept is the growing trend in today s health-conscious Foodservice market. Greatest Opportunities for the Canadian Restaurant Industry, 2014 Menu Innovation, selection, ingredients, flavour Concept Fast/casual, premium, non-traditional Target market Millennials, ethnic, business Catering and special events Receptions, gala dinners, openings Beverage Beverage programs, specialty spirits Location Suburban, regional, international Competition Leveraging competitor failures Marketing Building loyalty, web & social media Service consistency and quality Timeliness, order taking, complimentary services Procurement Bulk local purchasing initiatives Technology Payment procesing, POS Financing and cost efficiencies Sales, availability, footprint, interest rates

9 MONEXgroup & Restaurants In partnership with thousands of top-notch restaurants across Canada, MONEXgroup has enabled restaurateurs to improve their customer experience, increase their efficiencies and help their bottom line. With an Integrated POS Solution, reliable support and outstanding service delivered to all types of restaurants, MONEXgroup has personalized its services offering restaurateurs with cost-effective payment methods, security and speed. Transactions Processed in Canada, 2014 Through MONEXgroup 66% 21% What are the benefits for restaurateurs when partnering with MONEXgroup? Offer your customers a Pay-at-Table solution, allowing them to settle payments quickly and conveniently without the back-and-forth of the signature process. Improve your customer service, staff productivity, table turnover and speed of checkout by using the latest payment processing technology. Offer your customers versatile secure credit card & debit card payment options. Capitalize on the latest payment processing technology to fit your restaurant s daily needs. Access to your merchant account with online reporting service. Gain financial insights by understanding the transparency of pricing in your merchant statement. 12% 1% The use of credit cards in restaurants is expected to grow as customers are looking for a faster, highly secure and convenient checkout service offered via Pay-at-Table Wireless POS Solutions. In fact, 80% of the Canadian credit cardholders prefer the security supported by EMV Chip Technology (Visa.ca, Restaurant Chip Information). The growing trend of Mobile Wallet applications encourages customers to pay through Contactless POS Solutions via their Smartphones. MONEXgroup Featured POS Solutions: iwl220 Pay@Table Bluetooth Short Range Wireless With Tap & Go Integrates seamlessly with the restaurant s POS Solution. Versatile and Mobile. VX 810 Duet Countertop Terminal With "Tap & Go" Increase your speed of service and flexibility with the most popular in-store POS terminal; designed for high traffic and high volume environments. Integrated Solutions Electronic Cash Register Interface (ECRi) MONEXgroup supports hundreds of software providers in order to integrate payment processing into your existing POS Solution. I would recommend MONEXgroup Merchant Services to any business that is looking for reliable support, outstanding service and a partner they can count on. MONEXgroup was a true partner throughout the transition process and since switching to their services, we have received a level of personalized support that sets MONEXgroup apart from the industry. Director of Operations Hero Certified Burgers