Merchant Card International A Name you can TRUST!

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1 Welcomes To

2 About Merchant Card International (MCI) Merchant Card International being a Nationwide presents (offices) ) has more than 15 years experience in the transaction processing business. Our reputation, deep knowledge of the industry and knowing our competitors programs allow us to be the premier provider of merchant services. MCI goals when becoming and registered ISO/MSP was to be partnered with the leaders in this industry. We are very happy to say that we were able to accomplish this goal. Having the most aggressive pricing from our partners gives us the ability to pass the savings to our agents. Lee Davis, President of Merchant Card International having a strong background as a representative in the transaction processing industry believes in giving one of the most fairest programs p around. He understands what agents go though on a daily basis and demands that MCI give full support to the agent offices across the US by all involved. MCI is built on the foundation of complete honesty, integrity and will never allow this t company to miss lead an agent. He s s disgusted with the way the industry has gone in the hiring practices of some of the companies. Zero and 3 cents advertisements are misleading the agent who s s knowledge is limited to additional cost to the agent without explaining e the ramifications to all. All MCI agents are given access the processors back office reporting systems so that they can support their own merchants by being able to see everything that is being processed by their merchants including statements, batches, single transactions, qualifications, deposits, terminal information, merchant profile,, retrievals, chargeback's, merchant history, card number search, bank lookup, trends, instant alerts to retrieval and chargeback request and so much more. All of this is at no charge to the agent. By having the complete solution package (CSP) for the merchants,, MCI prides its self in the ability to help our offices grow by bringing on new and innovated products to give our agents across the US the selling edge. We believe in our agent offices therefore we continually striving to assist them in their growth by helping them bring on sub agents to work under them while receiving residuals on their agents portfolios.

3 Reasons why you should be partnering with MCI First Data processes more than 500 Billion dollars in volume and d 16 billion in transaction count Merchant Card International has more than 15 years experience in the transaction processing business. President, VP s s and managers are available for us to reach on the telephone Networks: Global East, Global West (Mapp), Nova, First Data, Vital Shared Profits above all interchange cost Examples of additional revenues would be Statement, AVS, Debit, Minimums, 9 Tiered 9 Pricing, Batch, Voice, AVS, Scan, Micros, Voyager, Activation and much more Fast approvals and auto approval account s s in 24/48 hrs including higher risk High Risk and Traditional processor Becoming a true Financial Services Company: Leasing, Traditional Corporate Financing, Merchant Funding, Building Funding, Credit Card Processing, Check Guaranty y Products Offices across the United States and Puerto Rico

4 Program Benefits Free Terminal Program Terminal, ATM, POS Systems, Business Line of Credit, Building Funding or Leasing Cash Advance for your merchants at the industries lowest rates using u CC, Chas and Check to qualify Easy paperwork to complete Online, Fax or application into us for processing Nine Bucket Tiers to choose from for qualifying transaction Free Form Rates No restrictions and No BET Tables Pricing and revenues from all income streams and from more places than you are use to. Residuals are paid on the 15 th of the month via Direct Deposit Able to process most terminals and software in the industry Integration with IC Verify, Pc Charge, Quick books and many other r software solutions. 24 hour support Complete merchant back office reporting on your merchants using First Data ROL. Rapid deposit and Check 21 ACH product for your merchants to be able to deduct monies from their customers Electronic check conversion, guarantee, recovery and verification Industry leading POS applications with market specific features Authorized Agent for Major Gateways: Auth Net, USA Epay and First Data

5 About First Data First Data is a global technology leader in information commerce.. The company serves more than 5.4 million merchant locations, more than 2,000 card issuers and their customers and millions of consumers worldwide. Approximately 27,000 employees around the globe provide credit, debit, private label, gift, payroll and other prepaid card offerings and merchant transaction processing services; Internet commerce solutions; and check guarantee and verification services. The STAR Network offers PIN secured debit acceptance at 2.2 million ATM and retail locations. And, not only does First Data process transactions, we provide multiple m solutions to help our customers enhance their business, including fraud protection and authentication solutions; s; check guarantee and verification services; Internet commerce and mobile solutions; and POS devices and service. With consumers demanding more secure and convenient ways to purchase goods and services, we help our customers meet their customers needs. Financial institutions, retailers large and small, utilities and Financial institutions, retailers large and small, utilities and healthcare organizations rely on First Data to empower them to build stronger, more profitable customer relationships with higher h levels of service, personalization and security as commerce continues to transform. Today, data is the new currency.. Advances in processing technology enable us to learn from each transaction. And by harnessing the power of data of all kinds, we help merchants and financial institutions grow their businesses and take advantage of new market opportunities. Key Statistics Manages more than 30 billion domestic merchant and international transactions as well as 11.7 billion domestic debit issuer transactions Enables over 5.4 million merchant locations to securely accept electronic e payments Protects more than 700 million card accounts on file worldwide Continued on next page Next

6 About First Data Direct Marketing (MO/TO and Internet) Petroleum (Convenience Stores and Gas Stations) Hospitality (Lodging, Cruise, Car Rental and Restaurant) Airlines Retail (Specialty and Big Box) Automotive Care Billers (Telephony, Insurance and Utilities) Associations and Franchises Product Suite Payment processing for credit cards, debit cards, fleet cards, stored value cards (gift, pre paid, paid, employee), electronic checks, recurring payments Web based based payment support through our proprietary payment gateway and d virtual terminal Turnkey gift card program Multi currency processing for U.S. and Canadian based merchants, including dynamic currency conversion (DCC) and cross currency support Electronic check processing, including point of purchase (POP) check processing and accounts receivable check (ARC) processing Alternative payments support, including PayPal, Bill Me Later and private label cards Level II and Level III Purchasing Card support s Debit Bill Payment for select industries Online reporting, transaction history search and chargeback management tool Service and Systems Virtually 100 percent system uptime and availability Fault tolerant, fully redundant data centers 24/7, 365 day a year year service and technical support Strategic alliances with the largest third party companies to provide the broadest range of solutions for every industry Total cost of acceptance merchant analysis

7 MCI S Products and Services Processing Software and Equipment Terminal and Software Hypercom, Verifone, Nurit, Ingenico Magtek, ViVopay, Virtual Products - Processing using the internet - Quick books Processing software Gift Cards First Data Gift cards for your business Tender Card - 2nd largest Gift Card Company in the industry Loyalty Cards Internet /Wireless Products Virtual Terminals I Terminal Processing Retail transaction from your PC via the internet Virtual Terminals Gateways with no transaction fees Cell Prone processing with Bluetooth printers Wireless terminals Terminals processing over the internet Cash for Merchants Merchant Cash Advance using Credit card, Cash and Check to qualify Corporate Line of Credit Gateways for your internet site Authorize Net First Data Orbital Gateway Vital USA Epay Check Products Electronic Check Acceptance ( ECA) Check Conversion Check 90 day Check Holds Check 21 Rapid Deposit ACH - Debit Checking Account Product Leasing Terminal leasing months ATM Leasing Months Commercial Leasing Capital Equipment Business Financing Account Receivables Financing Business Capital Loans Traditional Building Financing

8 MCI can handle most of the merchants card types Our range of payment methods includes: ACH/EFT* AFFN* Honor Interlink MasterCard MAC Commercial Cards Debit Cards Diners Club Electron Electronic Benefit Transfer (EBT) Electronic Checks Recurring Payments STAR Voyager FlexCache (Stored Value Cards) American Express Carte Blanche JCB Visa Maestro MasterCard NYCE Discover Card Private Label Cards Pulse Purchasing Cards Fleet Cards T&E Cards Wright Express And many more options for the merchant to increase their business

9 Earning Potential with MCI Why leave behind a profitable source of revenue from your existing g and new customer base? We offer software/hardware resellers and integrators the ability to profit from their merchant s transactions. We offer two programs that would support revenue with w no costs to your company every month for life of the merchant account while processing with Chase and MCI. Partner Programs Referral Program: Let us sell direct to your customer base and earn e 20% of the profit. Direct Sales (ISO Partner) Offer your merchants our services through your own sales efforts and earn 50% 80% of true interchange cost of the profit depending on your experience.

10 Q & A About Our Program Do you have a list identifying what your interchange rates are by type of credit card processing? Everyone gets the interchange schedule or they can use their own.. They are all the same When a new account is set up, does that interchange rate remain fixed, or can it change over time? Interchange only changes when Mc/Visa make their adjustments usually in April and Oct Do I get life time residuals Yes! With MCI you get paid your residuals as long as the merchant is processing with us regardless if you quit the business Are you an affiliate directly under Payment Tech, or is there another layer between you and First Data? MCI is a reregistered ISO/MSPI with Visa and MasterCard. We are direct ISO with First Data My plan has been to start adding affiliates under me this summer,, how will that work and how are profits further split at that point? We can discuss this issue with you but either you can have them sign your contract or they can sign our but either way you get the over ride Continued on next page Next

11 As an affiliate under you, what is the best pricing structure available? You mentioned revenue split of profits after $.08 over the interchange rate. Other options? We don t t offer anything other than revenue share program. It s s the best program for a rep over buy rates What is your processes for taking applications for a new merchant t account? Do you have to use the First Data app? Yes you do. The agreements are between First Data and the merchant. This way we don t t have to worry about liability. Once you have a completed app, you fax it in to and we ll process it for you. You mentioned tech support is provided by First Data? 24/7? Although MCI is very customer service oriented, First Data has people to assist our merchants. We feel that they can handle the questions or issues quickly and to the satisfaction of the merchant. Pleas keep in mind that the merchant is welcome to call you or MCI directly for assistance What about merchant reporting? Do have something for us to use? First Data has one for the finest backend reporting for you. It will give you more information than you ll need but it s s there should you want it. This is provided to you free of charge Do the monthly residuals payments come directly from First Data? No. We are responsible for paying our reps. Payment goes out to you on he 15 th of each month. You mentioned I d I d be 100% vested in my account immediately? You are vested from day one. We believe that you should be protected from the start

12 Thank you for your time We hope that you have enjoyed reading about our agent program for r you and see that we have the ability to handle any needs of your s s or your customers. I along with everybody involved in the processing of your merchant would like to say Thank You for looking at MCI as your partner and know that you will enjoy the relationship. Please contact me when you have any additional questions or to sign up to become an agent of MCI Lee W. Davis Lee W. Davis, President Merchant Card International, Inc Corporate Office Ext 303 Corporate Fax ldavis@merchantcardintl.com