Are We Doing Enough To Help Your Business Grow?

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1 Are We Doing Enough To Help Your Business Grow? As one of the oldest and largest merchant service providers in the nation, Electronic Payment Systems (EPS) equips and processes electronic payment transactions for over 150,000 merchants each year. EPS provides a comprehensive suite of credit card processing solutions, the highest level of data security, and expertise to drive revenue and profitability for all business types including retailers, restaurants, hotels, service professionals, healthcare, automotive, utility, e-commerce, MOTO, and non-profit organizations. Here at EPS our philosophy is The customer comes first! Dentist - Raleigh, NC Being a dentist I have always used Care Credit, and I have been turning away 3 or more patients almost every week. Now I can actually do business with everyone who comes into my clinic no matter how much credit they have or don't have. I m glad to have found a payment plan to offer our patients so we can give them the dental care they need without having to worry about whether or not we will be getting paid. We love the program. Jessica S., Accounts Receivable Tire & Rim Shop - Baltimore, MD We installed the EPS90 system 1 year ago and it has more than exceeded our expectations. We have a new motto now: "Everyone gets tires!" Not only have the overall sales of our tires have gone up, but our up-sells of rims has increased almost 30% in the past year. Don D.

2 Remodeler - Boston, MA My company has been with Electronic Payment Systems for about 5 years. We have utilized MC/VS quite effectively in our business. About a year ago, our sales agent stopped by and introduced us to the EPS90 payment plan with no credit check needed. This has been a godsend. We sold over $100, in new jobs using the EPS90, our salespeople use a portable system for laptops while they are on location which makes our bidding & sales process extremely convenient. We are doing about 4 to 5 jobs a month where offering the EPS90 no credit check payment plan has been the deciding factor. We love you guys, Thank You! Frank D, Owner Jewelry Store - Ft. Lauderdale, FL Since implementing the EPS EZ Pay Plan almost 2 years ago, our sales have gone up over $3, or more every week. The program makes it very easy for us to up-sell customers. We also get a lot of new customers coming in, especially men looking for engagement rings, since the payment plan lets them get the ring they want today but pay for it over three months. I am now able to open another location I ve been holding out on since the No Credit Check Payment Program is bringing in so much more business. Tony L., Owner Auto Repair - Charlotte, NC I signed up with EPS on March 1st We processed over $90,000 during the first year using the no credit check payment program. They also saved me money on my processing costs. My business is now growing again, I even had to hire a new mechanic to keep up with the influx of new customers. I love the EPS90 program. John B., Owner Day Spa - Daytona, FL I signed up with EPS in April of The results of the payment plan have consistently been quite impressive. We needed a way for our clients to afford our services since our day spa services are considered luxury items and in a down economy it is typically the first thing a person cuts back on. Offering the no credit check payment plan has allowed our clients to continue their maintenance services when they are going through tough times greatly reducing their stress. I would recommend EPS 90 to any business owner who wants more business. Thank you EPS! Arlene L.

3 Pet Store - Spartanburg, SC Dear EPS, I want to take a moment to express our thanks to your company. We have owned an exotic pet store for 5 years. When the economy took a downturn a couple of years ago we were about to close our doors when your agent came into our business and presented the EPS90 program. With slight trepidation, we signed up and to our amazement, one hour after the installation, we sold a $1, Macaw with $500 down and the balance over 3 weeks. I wish I'd have signed up sooner. We now make 2 to 3 No Credit Check Payment Plan sales every week. This thing really works. Marshall M., Co-Owner Hardwood Floors - Milwaukee, WI I would like to take this opportunity to express our total satisfaction with the EPS payment plan program. Since we started with EPS we have seen roughly a 20% increase in our sales. We use the EPS90 payment plan as back up to our conventional finance options when our customers don t have good credit or don t want to use their credit because it has a higher interest rate. We really enjoy the receivables created by the program. Thanks a million! Walt H., President Law Firm - Atlanta, GA We are very pleased to be able to use EPS for all of our processing needs. We use EPS for credit card and debit card transactions, check guarantee and the 90 day payment program. It is very convenient to have one company that can do it all. Scott P., Attorney at Law The Upholstery Shop - Denver, CO We signed up with EPS in October 2010 for the No Credit Check Payment plan program and it has made a huge difference for our business. We did over $2, the first month. It's a nice thing to be able to offer payment options to our customers. Thank you, Melinda S. Vet Clinic - Ft. Lauderdale, FL We started using EPS90 at our clinic 6 months ago and it has worked wonders for our business. We no longer have to see customers make a hard decision when it comes to their pet's health. Being able to offer a payment arrangement with no risk to us is exactly what we needed. We can now do business with just about everyone. Thank you EPS for offering such an outstanding service! Melissa K., Owner

4 Dental Practice - Sacramento, CA Since using EPS90 we have increased our revenue significantly during the last 4 months. We no longer have to take the risk of doing our own payment agreements with our patients. And we no longer lose patients because Care Credit won t accept them. We also found that the customer service at EPS has been outstanding as well. Thank You So Much! Janet L., Office Manager ATV Sales - Houston, TX The No Credit Check Payment Plan has allowed us to get that missing revenue we've lost because of the economic conditions. We were also able to realize a significant cost savings on our processing. Needless to say, we're very happy we signed up with your company. We would highly recommend EPS to any business who wants to save money and add a way to increase business. Mark M., Co-Owner Computer Repair and Service - Lake City, UT As a small business owner and dealing with a tough economy the EPS90 Payment Plan has been a valuable program to offer consumers that need my service but can't afford it today. I've gained customers that I would have not had otherwise. Thank you EPS90 for helping my business to continue to grow! Erick L. Garage Doors - Tampa, FL We started offering EPS90 No Credit Check EZ Payment Plan in June of We were able to close 16 more jobs by the end of the year for a total of over $24, We expect to double that for We are so glad we found your company. Thanks for providing this invaluable program. Jerry & Kay D., Owners Automotive Repair - Detroit, MI In our first couple months on EPS90 we did over $12,000 in new sales. Sales we wouldn't have gotten without the No Credit Check Payment Plan. Wow, was I more than pleasantly surprised! Thanks EPS Gary B., Owner

5 Equipment Rental - Houston, TX The EPS90 plan has made a major difference in our business. We are averaging around three thousand dollars additional per month using the EZ Payment Plan. Our customers love the option to spread the payments out for a few weeks. Sincerely, Stan W. EPS is one of the largest, privately held merchant service providers of electronic payment products and services to businesses and independent sales organizations. Uniquely positioned in the payments industry, EPS offers complete merchant processing solutions and expertise to drive revenue and profitability for all business types from mom and pop s, restaurants, service industries and retailers. Its vast portfolio of products includes point-of-sale terminals, e-commerce systems, mobile applications, check verification, gift cards, loyalty programs and cash advance services in addition to their revolutionary EPS 90 program, a check guaranty and conversion service offering a 90-day, no credit check, in-house payment plan. The company is headquartered in Englewood, CO. For more information, call or visit Follow EPS on Twitter at https://twitter.com/#!/eps_na and like us on Facebook at https://www.facebook.com/electronic.payment.systems.

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