MERCHANT PROCESSING PROPOSAL

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1 MERCHANT PROCESSING PROPOSAL Prepared Especially for: Date: PAYPROTEC, LLC. 929 East Center Street, Warsaw, Indiana Tel: Fax:

2 929 East Center Street Warsaw, Indiana Tel: Thank you for allowing Payprotec the opportunity to present this merchant processing proposal. We are confident that this proposal, prepared specifically for your business, will illustrate the many benefits that PPT has to offer as well as our ability to accommodate all of your transaction needs. The following document contains background information about Payprotec, descriptions of the key markets we serve, an overview of our products and services and a pricing proposal that has been individually tailored to provide you with the highest value for an extremely reasonable cost. I hope that you find the materials within this proposal useful in assessing Payprotec's many capabilities and determine that we are the ideal payment processing partner for your business. If you have any questions or would like to discuss our services in further detail, please feel free to contact me at your earliest convenience. Warmest Regards, Tel: Fax:

3 TABLE OF CONTENTS COMPANY INFORMATION About Payprotec Supported Markets PRODUCTS & SERVICES Merchant Services Customer Support Online Merchant Portal My Biz Perks Payprotext EQUIPMENT PROCESSING PLATFORMS PRICING PROPOSAL 12

4 ABOUT PAYPROTEC No matter what kind of business you operate, opening a merchant account allows you to process credit card payments quickly and conveniently. If you re ready to start accepting credit cards, you need a merchant account service that has a comprehensive understanding of your specific business needs. PayProTec offers top of the line payment processing solutions for nearly every sector of the business world. Whether you run a burgeoning internet start-up or a widely established national retail chain, PayProTec has the knowledge and experience to create merchant account that s customized to successfully fit your unique business needs. Let PayProTec create a payment processing solution for your business, and bolster your bottom line today. Our team of experts is ready to listen to your unique needs and provide you with the cutting edge payment processing technology and software that you need to stay ahead. Contact PayProTec now to discover how your business can benefit from a customized merchant account. There are no sure things when it comes to running a business. But there is one thing that you can always count on, and that's PayProTec. As the premier payment solutions company, we take great pride in our commitment to ensuring that customer care is always our number one priority. We don't just service accounts. We build relationships. And because of our relationships with our customers, we're able to gather customer information and use it to maintain, improve and innovate our products and processes. At PayProTec, we operate our business with the shared belief that the better the service we provide you, the better the service you'll be able to provide your customers. Our service philosophy not only shapes our customer relationships, but it also guides our product and service development. Using our state-of-the-art technology, our electronic payment solutions can help your business grow. We want to work closely with you to ensure we do the best job we can to streamline your operations. PayProTec is a resource on which you can rely. So whether you need to improve your back-office efficiency or maximize your customer base, we can help. And because we know quality people are at the heart of any successful partnership, we've assembled a great customer service team that's dedicated to helping you achieve your business objectives. We focus on our service commitment - to provide you the most innovative and the most far-reaching electronic payment solutions. We can't predict what will happen today or tomorrow, but you can count on PayProTec to provide secure and reliable payment solutions to meet the changing needs of your business. 1

5 SUPPORTED MARKETS MARKET SEGMENTS Payprotec caters to every type of business. No matter how large or small your business is or what industry you are in, we can accommodate all of your payment processing needs. Retail Payprotec can complement retail businesses by enabling you to accept Visa, MasterCard, American Express, Discover, Diners JCB, Debit Cards, Gift Cards and Electronic Benefits Transfer (EBT) transactions. We offer an extensive line of processing equipment and software in order to provide the perfect solution to meet your needs. Additionally, Payprotec can enhance retail merchant accounts with check services, contactless payment devices and gift/loyalty cards. Restaurants Payprotec provides transaction processing services for virtually every terminal, software application and restaurant system in the industry. We also provide easy integration for merchants using Micros, PosiTouch, Squirrel, Digital Dining, Aloha, DataCap and other POS systems. Payprotec's payment services can also enable you to add tip lines to your receipts, generate custom reports and simplify managing servers. Mail Order/Telephone Order (MOTO) Establishing a Mail Order/Telephone Order merchant account with Payprotec will enable you to offer your customers a convenient way to purchase goods and services. We offer low processing rates for MOTO accounts and provide you with a simple way to accept credit cards over the phone or through the mail. E-commerce The Internet has become the venue of choice for many consumers to make their purchases. Payprotec can help online businesses take advantage of this ever growing market by providing a personalized e- Commerce account. We support a variety of Internet options including Authorize.Net and a virtual terminal is also available for businesses that currently have an order system in place and only need a method to collect the payment. Major Market Account / Multi-Location Businesses with more than one location have multiple processing and service needs and Payprotec is capable of accommodating each of your location's unique payment requirements. We are prepared to provide you with comprehensive support for your entire business across multiple locations. As soon as we begin boarding your account, you will be provided with a dedicated Relationship Manager from our Special Services Department, who will be overseeing your account setup and ensuring your satisfaction. The Special Services Department will monitor your account integration, customer service and technical support. It will also handle all of your day-to-day needs and specialty IT requests. This department has been developed to provide an unprecedented level of service and support to our most valued customers. 2

6 SUPPORTED MARKETS (CONTINUED) SPECIALIZED MARKETS Business-to-Business (B2B) Payprotec can provide merchants who primarily serve other businesses with the ability to accept purchasing, corporate and business cards. We offer low transaction rates on corporate cards and provide you with the enhanced security of Card Verification Value (CVV) and Address Verification prompts. Emerging Markets Credit cards have become the most dominant form of non-cash payment in the world and it is necessary for all business types to accommodate this change in order to remain competitive. Payprotec is capable of providing payment services to all businesses, even emerging markets including towns, cities, municipalities, government agencies, schools and public service utilities like cable and electric. Supermarkets Supermarkets and other multi-lane retail locations with high traffic require dedicated services and equipment to ensure that transactions are completed efficiently. Payprotec can equip your business with a comprehensive multi-lane solution that will ensure that your transactions are consistently completed accurately and smoothly. These systems are easily integrated with existing POS, cash register and signature capture systems. Hospitality With Payprotec's hotel and lodging services, you will not only be able to accept credit, debit and check services but will also be capable of processing the full lodging application including check-in, check-out, folio number, date and arrivals. Payprotec can also enable you to incorporate gift and loyalty card programs at your locations and can fully accommodate any restaurants or retail shops on the premises. Payprotec provides a reliable payment processing solution. Whether the customer decides to use his/her card at the reception desk or the gift shop, you can be certain that the transaction will always be completed quickly and accurately. Pay-at-Pump Payprotec is certified to process transactions on all major pay-at-pump site controllers including Gilbarco G-Site, Ruby and a variety of others. We can also authorize and settle private label fuel cards such as Wright Express and Voyager. Payprotec offers a complete Pay-at-Pump program with high-speed authorizations and comprehensive payment solutions to accommodate any of your customers needs. Payprotec can equip your business with a fast, reliable and secure payment solution. Our petroleum program will allow you to expedite the payment process, serve more customers and generate more revenue than ever before! Wireless Wireless processing equipment brings a new level of convenience for businesses that accept credit on the go. Utilizing wireless equipment is the best way to accelerate the sales process, improve efficiency and reduce paperwork. Additionally, the ability to swipe your customers' credit cards will enable you to qualify for low card present rates. 3

7 MERCHANT SERVICES Merchant Accounts Establishing a merchant account will enable you to accept credit cards as a form of payment from your customers. Transactions are authorized instantly through the use of a credit card terminal, software or an e- Commerce gateway. Funds are automatically deposited into your checking account of choice within 48 to 72 hours. You will be able to accept Visa, MasterCard, Discover Network, American Express, Diners Club, JCB, Debit, ATM, EBT and check cards for payment. You will also have the ability to add additional features to your account such as contactless payment services and online account reporting. Check Services Check Guarantee enables your business to avoid bounced checks and bank fees as a result of accepting nonsufficient funds (NSF) checks. Payprotec's advanced check guarantee system will scan your customers' checks against our database of negative check writers and alert you to negative and NSF check risks. With check conversion, checks will automatically be deposited in your bank account, eliminating the need to make trips to the bank. Gift & Loyalty Cards Gift and loyalty cards are the fastest growing form of non-cash payment in the country. The gift cards typically seen in the large chain retailers and department stores are now available for even the smallest single location merchants to offer. Gift and loyalty cards provide greater customer retention, improved customer loyalty and repeat business. They also provide detailed reporting for customer purchases and additional revenue streams from unredeemed and expired cards. For a minimal cost, you can offer a complete Gift and Loyalty Card solution to your customers. Payprotext Payprotext allows you to drive more traffic, increase revenue and reward your loyal customers by enrolling them in your own custom coupon or savings club. Instantly send coupons, offers, reminders, incentives, specials or tailored promotions direct to their cell phone. Did you know that over 80% of mobile text marketing messages are read within minutes? Pay Anywhere Powered by North American Bancard, Pay Anywhere is a payment solution offering the flexibility and freedom to accept credit card payments anytime and anywhere. The Pay Anywhere app and card reader accessory were developed to offer a range of payment options for non-profit organizations, businesses and more. Cash Advance Payprotec can enable you to generate the working capital you need to improve your business without having to negotiate with a bank or worry about long term credit card interest. We will provide you with the ability to generate up to $1,000, in working capital against your future Visa/MasterCard receivables. This is not a loan product and this program provides an effective solution for any cash flow problem. The majority of applications are approved within 48 hours. Additionally, our cash advance program boasts a 90% approval rate and you will receive your funds within 7 days. Contactless Payments Contactless payment systems enable your customers to complete transactions by waving their payment cards in front of a contactless reader. Payprotec can equip you with a ViVOpay 4000 contactless reader that is compatible with a variety of POS systems. You will be able to accept all major contactless brands, including MasterCard Paypass, Expresspay from American Express, Visa and Discover contactless payment programs. Wireless Processing Using a wireless terminal will enable you to accept electronic payments on the go and away from the storefront. Payprotec's wireless options utilize GPRS mobile technology. High-speed data transfer also ensures that your transactions are extremely secure and finalized within a matter of seconds. 4

8 UNPARALLELED SUPPORT 24/7 Customer Service and Technical Support Our highly trained, completely in-house customer service and technical support representatives are ready to accommodate all of your support needs at any time of the day. Although many competing organizations outsource their support components in order to lower their costs, Payprotec believes that offering an in-house support operation allows us to ensure that you receive a superior level of service. Additionally, our award winning customer service and technical support representatives are ready to help you resolve any issues 24 hours a day, 7 days a week. Virtual Support By utilizing the Online Merchant Portal, you will be able to chat online with customer service and technical support representatives. This method provides you with the fastest way to address any issues with your account. Multilingual Support Payprotec is capable of providing customer service and technical support in over 150 languages. We have incorporated an advanced telephone interpreter system that provides non- English speaking merchants with language specific assistance. Payprotec is dedicated to proactive support for non-english speaking merchants and our comprehensive language support system ensures that all of our merchant clients receive exceptional support. Chargeback Handling A chargeback occurs when a consumer disputes a charge to their account and requests a refund from their credit card company. If this occurs, you will be notified by both a mailed announcement and electronically via the Online Merchant Portal. Unlike many other payment processing companies, Payprotec does not automatically debit your merchant account for the chargeback and provides you with an opportunity to respond. Additionally, our chargeback department will also research the request in order to help you settle the chargeback in your favor. Funds Availability All of your funds for Visa, MasterCard and Debit card transactions will be deposited within 48 hours of an authorized and settled batch. American Express and Discover are supported and processed by Payprotec but deposited separately. 5

9 ONLINE MERCHANT PORTAL (OMP) Access Your Account Information Online 24 Hours a Day, 7 Days a Week View and print your merchant statements quickly and easily View desposits of credit card transactions Monitor your customers transaction history and disputed transactions Manage multiple merchant accounts Order supplies from your terminal Online Merchant Account Reporting Take control of your merchant account with Payprotec's Online Merchant Portal (OMP). The OMP is an online reporting tool that provides you with immediate access to your account information 24 hours a day, 7 days a week via a secure Internet application. The Online Merchant Portal is exclusively available to Payprotec merchants. This service is certain to benefit your business and Payprotec is offering you a 60 day trial, free of charge. Download Merchant Statements View and download all of your merchant statements via the Online Merchant Portal. All of the records available on the Online Merchant Portal can be displayed in plain text view for easy printing or can be downloaded to your computer to be accessed at your convenience. Online Reporting The OMP is the most efficient and user friendly online reporting system available in the industry. The Online Merchant Portal enables you to view settled transactions from your last 10 batches or all batches within a specified date range. You will also be able to find individual transactions and can even search for transactions by card number. Searchable Records The OMP is a comprehensive database utilizing an advanced search program that enables you to find statements from any date range. This tool provides a convenient and efficient method of monitoring the details of your merchant account and is searchable either by date range or credit card number. Easy to Print and Export All records available on the Online Merchant Portal can be displayed in plain text view for easy printing or can be downloaded to your computer in a Microsoft Excel format to be accessed at your convenience. Manage Multiple Merchant Accounts If you own multiple locations or require multiple merchant identification numbers, you can manage all of your account information conveniently from one source: the OMP. With one login, you can view the account details for all of your locations. Order Supplies The OMP provides you with the most convenient method of maintaining a proper amount of supplies for your credit card terminal. You can order paper, ribbons and anything else you need directly from the OMP. This feature will allow you to save time and to take advantage of Payprotec's competitive prices. View Chargeback and Retrieval Requests The Online Merchant Portal will ensure that you are promptly alerted whenever there is a retrieval request or a chargeback notification on your account. This invaluable feature will enable you to react quickly to these notifications in order to avoid extra fees. Additionally, if you are utilizing the signature capture option on the OMP, you will be able to locate receipts effortlessly and settle chargeback disputes expediently. Access Instructional Documents for Your Equipment All quick reference guides and user manuals for your merchant equipment will be available on the OMP to view or download. You will always have an easy to access backup for all of your paper documents. Secured Server All of your information will be stored on a secured server and the OMP utilizes an SSL security protocol to ensure the privacy and protection of your financial data. 6

10 MY BIZ PERKS (mybizperks.com) 7

11 PAYPROTEXT - SMS Mobile Marketing Program 8

12 EQUIPMENT Verifone VX570 Verifone VX670 Verifone VX510 FD100 Payprotec's payment processing capabilities are compatible with virtually every POS system, terminal, software and e-commerce gateway available. We offer a wide selection of state-of-the-art solutions to accommodate any payment need. We can also support your existing equipment and will provide upgrades and specialty programming. We offer a variety of advanced payment devices ranging from standard landline terminals, high-speed IP solutions, wireless options and virtual terminals. We can also provide you with a variety of supplementary products, including external pin pads and printers, paper, ink cartridges and sales drafts. We carry a complete line of terminals and software from the industry s most trusted manufacturers, including Verifone, Lipman, Hypercom and Authorize.Net. No matter what requirements your business currently has or may develop in the future, Payprotec can equip you with payment options that will be useful for years to come. 9

13 PROCESSING PLATFORMS First Data is a global technology and payments processing leader, serving more than 6 million merchant locations, thousands of card issuers and millions of consumers worldwide. Whether the choice of payment is a gift card, a credit or debit card or a check, First Data securely processes the transaction and harnesses the power of the data to deliver intelligence and insight for its customers. For four years running, First Data has been ranked No. 1 in the Financial Data Services category of the FORTUNE 500 list ( ). In 2009 Revenues were $9.3 billion, U.S. Payment Transaction Dollar Volume was $1.25 trillion and First Data employed over 25,000 people. Global Payments (NYSE: GPN) is one of the world s largest transaction processors and offers worldwide, world-class electronic transaction processing services through our high speed, robust electronic information networks. These networks process billions of business and consumer payment card and money transfer transactions annually for customers in the United States, Canada, Europe and Latin America. Global Payments delivers authorization requests from your POS System to your customer s credit card company and returns the appropriate response is mere seconds. Whether you are utilizing traditional phone lines, high speed IP Networks, or GPRS/CDMA wireless data networks, Global Payments insures transactions are processed quickly and in compliance with all Payment Card Industry (PCI) standards. Global Payments also facilitates the settlement of your funds in partnership with HSBC. Chase Paymentechis a subsidiary of JPMorgan Chase, and a global leader in payment processing and merchant acquiring. On the Internet or at the point of sale, our unique combination of outstanding service, innovative solutions and financial strength offers solid benefits to companies both large and small. Since 1985, we've made it our business to lead the way in payment processing. TSYS (Total System Services, Inc.) makes it possible for millions of people to make paperless payments safely and securely. Recognized as the market leader, we provide electronic payment services to financial institutions and companies around the globe. We work behind the scenes to offer unmatched flexibility, control and service quality to our customers through a broad range of innovative issuing and acquiring payment technologies, including consumer finance, credit, debit, healthcare, loyalty, prepaid, chip and mobile payments. TSYS global headquarters is located in Columbus, Georgia, with local offices spread across the Americas, EMEA and Asia Pacific. TSYS serves more than 300 clients worldwide, including relationships with more than half of the top 20 global banks. The people of TSYS are respected around the world for the spirit of true partnership they invest in every relationship and business decision. We bring passion to the world of payments. 10

14 PROCESSING PLATFORMS (CONTINUED) Payprotec is a Member Service Provider (MSP) of HSBC Bank USA (NYSE Symbol: HBC). With assets of $2,354 billion, HSBC is one of the world's largest banking and financial services organizations. HSBC is responsible for settling credit card transactions daily into our merchant s bank account of choice. As the sponsoring bank for our merchant accounts, HSBC stands behind every merchant account we offer. Wells Fargo & Company (NYSE: WFC) is a nationwide, diversified, community-based financial services company. Founded in 1852 and headquartered in San Francisco, Wells Fargo provides banking, insurance, investments, mortgage, and consumer and commercial finance through more than 9,000 banking stores, 12,000 ATMs, the internet and other distribution channels across North America and internationally. With more than 278,000 team members, Wells Fargo serves one in three households in America. Wells Fargo & Company was ranked #19 on Fortune s 2009 rankings of America s largest corporations. Wells Fargo s vision is to satisfy all our customers financial needs and help them succeed financially. As of September 30, 2010: $1.2 trillion in assets, 4th largest in United States $1.1 trillion in brokerage client assets, 3rd largest U.S. retail brokerage firm 11

15 PRICING PROPOSAL Prepared for: Account Executive: The following quoted rates and fees will be charged in accordance with the merchant agreement as some other charges may apply. PROCESSING RATES OPTION ONE: Visa Check Card % + MasterCard Check Card % + Visa % + MasterCard % + Discover Card % + ATM/Debit Network Fees % + Electronic Benefits Transfer OR OPTION TWO: Interchange, Dues, Fees and Assessments Plus: Basis Points and SURCHARGES Transactions that Visa and MasterCard determine to be mid or non qualifying are assessed the following surcharge schedule. Transactions that fall into this category include corporate cards, rewards cards, foreign cards, late batches, forced and off-line sales. Reward Card transactions % + Mid-Qualified Transactions % + Non-Qualified Transactions % + SERVICE FEES Monthly Service Charge $ Monthly Minimum $ Annual Membership $ (Billed annually in December) Chargeback Fee $ Retrieval Fee $ Voice Authorization Fee $ CHECK SERVICES Rate $ Transaction Fee $ Monthly Fee $ Monthly Minimum $ WIRELESS SYSTEMS One Time Activation Fee $ Monthly Wireless Fee $ Transaction Fee $ INTERNET PROCESSING Initial License Fee $ Monthly Gateway Fee $ Transaction Fee $ GIFT CARDS Number of Cards Initial Cost of Cards $ Reorder Cost of Cards Monthly Gift Card Account Fee $ $ Transaction Fee $ SMS MOBILE MARKETING Text Package $ Marketing Material $ Custom Artwork $ 12

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