PRODUCTS & SERVICES FOR BANKS

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1 PRODUCTS & SERVICES FOR BANKS

2 Best-in-Class SOLUTIONS for Your Commercial Customers Priority Payment Systems has assembled a comprehensive suite of best-in-class payment processing products designed to give your commercial customers support at every level, backed by our unparalleled commitment to service. We want to be your first choice for providing your customers with: Credit Card Processing (VISA, MasterCard, American Express and Discover) Credit/Underwriting Fraud Prevention Settlement Payment Options Priority Payment Systems enables your commercial customers to accept the following forms of payment: Visa MasterCard American Express Discover Pin-based Debit Electronic Gift Cards Check Guarantee with Conversion Reconciliation Additional Payment Options: Check, Electronic Check, Gift Card, Debit Terminals and Software Solutions Custom Industry Solutions Our relationship with various commercial services platforms expands the number of terminals and software solutions you can offer to your customers.

3 POS SOLUTIONS Priority Payment Systems offers a full line of terminal hardware from the leading manufacturers such as Verifone/Lipman and Hypercom, as well as proprietary equipment such as LinkPoint, Eclipse, and First Data s FD100. Older terminals, such as Talento, can easily be reprogrammed. It is very rare that we cannot support your customers existing equipment. TERMINALS Priority utilizes Apriva, a leader in the wireless industry, for seamless wireless communication with your customers terminals. Datawire is used for IP connectivity. Priority has on-line access to both of these companies to ensure quick and accurate set ups. Listed below are several terminal solutions we support. A full listing of our terminal solutions is available on our website at Omni 3750 this multi application multi merchant terminal from Verifone delivers fast processing speed and quiet printing with ATM style functionality. Widely popular because of its ability to do Retail with Tip and Multi- MID processing, this terminal comes with dual modems for both IP or dial communication. T7Plus definitely a plus to the popular line of terminals from Hypercom featuring an extended keypad for easy key driven functionality. Fast terminal updates and low cost make this a popular terminal for Mom and Pop merchants. Lodging application is also available. Nurit 8000s a wireless terminal solution from Lipman provides flexibility for mobile merchants that may not have access to a phone line. Store and Forward feature is available. Nurit 2085 the large backlit display makes this a popular terminal in restaurants. Also capable of Multi- MID and retail with tip. Files can be built for NOS 6 or NOS 7 versions. Omni 3730LE / VX510LE a low cost terminal solution from Verifone that provides basic credit/debit card functionality. The sleek design and small footprint make it appealing for merchants with limited counter space. FD-100 includes a touch-screen display, supports either dial-up or IP communications. Terminal features large memory and faster communications than most POS terminals. Terminal installation only takes a few minutes and has five USB ports to support future payment enhancements and peripheral devices such as PINpads, check readers, contactless and wireless peripherals.

4 POS SOLUTIONS CONTINUED SOFTWARE PERIPHERALS Priority Payment Systems works with hundreds of software and gateway solutions, including: eprocessing Network a low cost virtual terminal for retail or MOTO merchants. EPN s product suite also includes recurring payments, shopping carts, fully integrated QuickBook solutions, and processing on WaySystems devices. YourPay First Data s own gateway that offers three levels of payment software. It operates as a basic, virtual terminal to a gateway interface for proprietary software. Authorize.Net an online payment gateway for virtual terminal functionality, as well as a shopping cart and buy button for online sales. Micros a point of sale payment solution for the restaurant and hospitality industries. ICVerify low cost PC software for small and mediumsized merchants. Also certified to do Level 3 and Large Ticket processing on the North/CardNet platform Many terminals now have integrated printers and pin pads, but for those that do not, Priority Payment Systems supports a full array of peripheral hardware. Due to recent Association requirements regarding Pin Pad Encryption, we offer only Triple DES pin pads manufactured by Hypercom and Verifone/Lipman. Check readers and imagers include those manufactured by MagTek and RDM. Special cables accommodate most terminal hardware, PC USB ports, or Ethernet router or hub connections. Priority Payment Systems also supports Contactless readers manufactured by ViVOPay. These RFID readers can attach on to the Verifone 3700 series or the Nurit 2085, instantly turning your customer s terminal into a state of the art terminal ready for tap or contactless transactions. Priority Payment Systems offers attractive pricing on all terminals, peripherals and some software through various vendor relationships. ACH Direct web-based processing for both credit card and check/ach processing. Specifically geared toward doing individual or recurring payments, this software is used in many high volume utility merchants. A full listing of certified VARs and Gateway solutions is available on our website at

5 VALUE ADDED SERVICES Value added services are another cross-sell opportunity that enhance your service to your commercial clients. GIFT CARD PROGRAMS Electronic Gift Cards have become increasingly popular among all types of merchants. Studies in 2005 show that the average buyer will purchase 5.5 Gift Cards per year, with an average dollar value of $ The same studies show that 56% of Gift Card recipients spend more than the value of the card. Gift Cards attract new customers, build brand awareness, increase sales and provide a valuable retention tool.* Priority Payment Systems offers Gift Card solutions through 2 providers: GETI (Global ETelecom, Inc) and First Data Corporation. Both programs offer standard packages as well as Custom Card options. This allows more choices of card graphics and a wider variety of terminal and software options for acceptance. All out-of-the-box programs include marketing materials and card carriers. F I R S T D ATA G E T I Introductory Program (includes carriers, decals, etc.) Standard Program Deluxe Program 100 cards 4 design options, Merchant Name Minimum 500 cards over 50 design options, 4 text lines, optional icons available N/A 30 cards 8 design options 100 cards 8 design options, Merchant Name, marketing materials 500 cards 8 design options, 2 text lines, marketing materials Custom Cards Minimum 1000 cards Minimum 500 cards Card/Carrier Re-orders Minimum 500 cards Minimum 500 cards Delivery Time Standard Cards Shipped within 20 days of completed application Custom Cards Shipped within 20 days of approval of proof Standard Cards Shipped 14 to 21 days from completed application Custom Cards Shipped 14 to 21 days of approval of proof *2005 ValueLink Consumer Insights Study

6 VALUE ADDED SERVICES CONTINUED CHECK SERVICES Why do merchants still accept checks with all the other forms of payment available? Over 90% of shoppers have checking accounts. Checks are considered a safe method of payment. They allow shoppers to spend more, offer easy record keeping and avoid paying credit card interest rates. Check acceptance is easier than ever before through a variety of check services: Verification allows the merchant to confirm the customer is not listed on national databases for bad checks. Guarantee ensures that the customer is protected in case the check is returned for any reason. Conversion saves time and money by converting the paper into an ACH debit to the check writer s account and creating a deposit into the customer s account. Priority Payment Systems has partnered with 3 check service providers to offer your customers multiple options. These check service providers offer a variety of rates, fees, and Point of Sales solutions to make sure you can suit your customers needs. Electronic Check Conversion/Guarantee Comparison C P S G E T I Te l e C h e c k Monthly Minimum No Yes Yes Statement Fee Yes Yes Yes Rate Variable based on Merchant Type Fixed Rate Variable based on merchant type Transaction Fee Yes Yes Yes One-Time Signing Bonus No No Yes Collection Fee Free N/A N/A Check Verification Comparison EQUIPMENT LEASING C P S G E T I Te l e C h e c k Monthly Minimum No Yes N/A Statement Fee Yes Yes N/A Transaction Fee Yes Yes N/A One-Time Bonus N/A N/A N/A Collection Fee Free N/A N/A

7 VALUE ADDED SERVICES CONTINUED EQUIPMENT LEASING Choosing where to spend money can be a balancing act for some businesses. Some merchants choose to purchase Point of Sale equipment as a one time expense. Others opt to lease for tax advantages or to avoid large cash payouts. Leasing allows a small or start-up business to afford more expensive equipment than they could purchase outright. It allows the merchant to make monthly payments over a specified period of time. Priority Payment Systems offers leasing through our partnership with First Data Global Leasing. Leasing is made even easier since it is integrated into the standard Merchant Application and Program Guide, saving you long, cumbersome paperwork. Merchants can opt for a 24, 36, or 48 month lease. Our lease agreement offers a buy-out option at the end of the term for as little as 10% in some cases. Merchants are debited directly by FDGL for the agreed-upon monthly payment amount. Merchants may complete a verification form or do a verbal verification with FDGL to facilitate funding. Lease cap amounts are in place to assure that monthly payments stay competitive with the market. Lease factors are based on the credit rating of the merchant. LEASING IS MADE EVEN EASIER SINCE IT IS INTEGRATED INTO THE STANDARD MERCHANT APPLICATION AND PROGRAM GUIDE, SAVING YOU LONG, CUMBERSOME PAPERWORK.

8 VALUE ADDED SERVICES CONTINUED MERCHANT FUNDING Your customer s credit card transactions represent a large part of his cash flow, so Priority offers advanced funding against those receivables. Priority Payment Systems works with several advanced funding companies so that payments can be redirected from the daily batches back to the funding source.

9 Priority offers a variety of solutions customized to accommodate specific industries. These solutions allow you to offer specialized service to customers in these business sectors: Retail (including Retail with Tips for Salons) Retail with Tips allows printing of t a dummy receipt showing the base amount and leaving a line for the cardholder to enter a tip amount. The terminal dials out for the single authorization amount which ensures that the transactions meet the best interchange qualifications. Available on the Omni 3700 line, Nurits and some Hypercom terminals. Restaurant (including Quick Service Restaurants) Full Service Restaurants like the flexibility of Tip Adjustment available on our full line of terminal products. Many fast food restaurants, bakeries, coffee shops, etc. would rather take advantage of the QSR applications available on some of the Hypercom, Omni and Vx terminals. This application follows the No Signature Required guidelines that do not require a cardholder signature or a receipt for transactions under $ Mail/Telephone Order/Internet Priority Payment Systems supports a full line of terminals able to prompt for AVS (Address Verification Service), Invoice/Purchase Order and CVV2 (Card Verification Value), as well as pass the proper MOTO or ECI indicators. This ensures that your clients can meet the best interchange qualifications on key-entered transactions. We also utilize gateways, VARS, and other software geared toward this industry type. Business to Business More and more manufacturers and wholesalers are accepting credit cards from their business customers. Many businesses utilize the various Commercial products available from MasterCard and Visa. At Priority Payment Systems, we enable you to focus on these B2B merchants by offering special pricing opportunities for these types of transactions.

10 INDUSTRY SOLUTIONS CONTINUED Supermarket (requires verification of industry requirements) Priority supports the popular cash register systems and gateways used by supermarkets. Our systems enable your clients to accept almost any type of payment, including credit, debit, EBT, gift card or check. Lodging/Auto Rental Priority s Lodging and Auto Rental applications support the incremental authorizations common to these transactions. Available terminal solutions include the Tranz 380 and Hypercoms. Utility Companies (requires registration with Associations) Utility companies are realizing the added benefits of accepting credit cards. Credit acceptance offers convenience to their customers and reduces the time and expense associated with waiting for checks to be mailed and processed. Priority can help you introduce your customers to special Utility and Emerging Market programs. Petroleum/Pay at the Pump Priority Payment Systems offers card payment processing for merchants needing Pay-at-the Pump or inside store purchases. Systems such Ruby, Gilbarco and Wayne are all certified on the BuyPass platform. Specific interchange rates apply accordingly to transactions run through Automated Fuel Dispensers or at the point of sale inside the store. We can also process Fleet cards popular for use in these and other automotive merchant locations.

11 Contact Us TOLL FREE: FAX: Priority Payment Systems P.O. Box 246 Alpharetta, GA To learn more about our company and the MX Tool, please visit our website and view our Welcome Video. Service and Value for Your Customers, Loyalty and Convenience for You At Priority, we have used our extensive experience to address issues we know to be neglected in the bankcard processing industry most specifically, personalized service. We continually work to ensure that our product offerings truly are comprehensive and enable our clients to take advantage of the latest programs and trends. We know we offer the best in convenience and service to you and your customers. Visit our website at or contact us at for more details.