Your Home & Auto Insurance Group

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1 Your Home & Auto Insurance Group Save up to 50% on your insurance premiums plus your Group Discount! Phone: Fax: Sherry at: #5, 440 2nd St. W., Brooks, Alberta (South of Community GMC) SECURITY IN NUMBERS

2 A Membership Opportunity! The lowest rates for payment processing Value Added Program In partnership with the Chambers of Commerce, VersaPay Merchant Services is pleased to offer members in good standing the following payment processing programs. VersaPay offers you the absolute lowest rate combined with 24/7 customer support and training. No hidden fees, no surcharges just outstanding service and support with Canada s lowest rates! 1.69% Plus $0.15/ transaction 1.69% Plus $0.15/ transaction VersaPay is a western based payment processing company in partnership with Canada s leading financial institutions. We work locally with Alberta businesses and the community to support and service the province s growth. To apply online: or call toll-free VPAY (8729) for a local Relationship Manager today! Trademark of Interac, used under license. VISA is a registered trademark of VISA International Service Association. MasterCard is a registered trademark of MasterCard International Incorporated. Innovative. Reliable. Local. $0.07 $22.99 / mo Dial Up POS Terminal $29.99 / mo High Speed POS Terminal

3 VPAY VersaPay Keeps the More Profit Guarantee Despite New VISA and MasterCard Fees With merchant discount rates on the rise, we at VersaPay feel businesses should be allowed to grow beyond their expectations without being hindered by paying higher fees. VISA and MasterCard s interchange rate increase in April of 2008 is quickly being followed up by yet another in October, both of which generally are passed on by merchant service providers. VersaPay s mandate to lowering the cost of accepting credit cards is paramount. Therefore, we are pleased to announce that for a second consecutive time within a twelve-month period, VersaPay will not be passing through the new Assessment Fee to AB Chamber member-merchants! Continuing to help your bottom line: What changes ARE coming? We are proud to continue our philosophy of More Profit Guaranteed, especially at a time of global financial uncertainty. VersaPay has analyzed the current VersaPay-AB Chamber member-merchants, the majority of which are small-businesses looking to grow and expand their business. These merchants do not process a substantialvolume of transactions but do have good amount of credit card purchases. The average ticket size is typically above $200, which is considerably larger than the $35 industry average. VersaPay has decided instead to add a 15 cent transaction fee on VISA charges. By adding a transaction fee, VersaPay is able to cover the cost of increasing VISA fees and assessments while NOT increasing the merchant discount rate (MDR). The typical merchant will pay less with VersaPay than any alternative in the Canadian marketplace after this rate change. The new rate for AB Chamber Members will be: 1.69% + 15 cents per VISA/MC transaction Why a transaction fee instead of a increase to the Merchant Discount Rate? Logically, a merchant growing their business means more sales. The more sales they have with larger ticket sizes, the better it is to pay a single flat transaction fee as opposed to paying a larger percentage (6 bps more on VISA and 10 bps more on MC) on incremental sales. Of course every contract is easily negotiable with Versa- Pay, and some AB Chamber members have even qualified for rates much lower than advertised. What is a Non-Qualified Transaction & How to Reduce Fees VersaPay shares the global concern in the rise of Identity Theft and Consumer Fraud, and ensuring consumer and merchant s protection from it with non-qualifying transactions. Anything used to make a purchase that is not a personal consumer card (i.e. corporate card, fleet card, etc.) or is keyed in manually (a card not physically swiped across a point of sale terminal) is subject to non-qualifying surcharge. This is intended as much for the consumer s protection, as it is for the merchant s. By swiping all your consumers credit cards through your POS terminal, you can both reduce the frequency of non-qualified transactions but also mitigate the potential for a consumer chargeback

4 VPAY Comparison of VersaPay & TD Merchant Services (TDMS): Rate Change Effects with a typical AB Chamber Member-Merchant. Pre-Nov 2008 VersaPay Rate Structure Pre-Nov 2008 TDMS Rate Structure 1.69% on VISA & MasterCard 1.69% on Visa & 1.79 on MasterCard Proposed VersaPay Rate Structure 1.69% + $0.15 per transaction VISA & MasterCard No Assessment Fee and No markup on MasterCard Impact to VersaPay/AB Chamber Members Typical VersaPay Merchants will only pay a transaction fee per swipe; the Merchant Discount Rate will remain the same. New TDMS Rate Structure 1.74% on Visa (including 6 bps VISA Assessment Fee) 1.79% on MasterCard Impact to TDMS/AB Chamber Members Typical TDMS Merchants will see fees increase by $8 on VISA and pay $5 more on MasterCard or total of $13 per month The VersaPay Advantage Get More Information or Make the Switch Today Continuously LOW rates despite interchange rate increases and price hikes Helping your business grow and succeed, with More Profit GUARANTEED Friendly and reliable FACE-TO-FACE Relationship Managers in your community 24/7/365 Technical Toll-Free Telephone Support The latest in point of sale (POS) and e-commerce Technology for your business Deposit into any bank account overnight, no holds or reserves Proactive investment back into YOUR local Chamber, its growth, expansion and events For More Information Peter Thanas Strategic Partner Relations ACC Program Manager Direct: (604) peter.thanas@versapay.com Web: Chamber Website:

5 We thank you for your interest in opening a VersaPay Merchant Account. In order to process your application, please fill in the fields as accurately as possible. please fax to us at (866) or us at accounts@versapay.com. This is a short-form application only and a full application will be sent to you for final signature. Do You Currently Accept Credit/Debit Payments YES NO Current/Est. Monthly VISA Sales $ Current/Est. INTERAC Sales $ If YES, With Whom? Current/Est. Monthly MasterCard Sales $ Average Transaction Size $ Products Used/Required VISA MASTERCARD INTERAC BUSINESS INFORMATION Legal Business Name AMERICAN EXPRESS Doing Business As (if any) Merchant Contact Name Contact Position Full Business Address City Province Postal Code Phone Fax Years In Business Product Sold Association Membership (if any) Local Chamber (If applicable) OWNERSHIP INFORMATION Owner Name (if more than 1, please attach separate sheet) Title % of Ownership Date of Birth Home Address City Province Postal Code Home Phone SIN BANKING INFORMATION Bank Name Bank Account Number Bank Address Bank Routing and Transit Number Referral ID CR DR SU POS NT INTERNAL USE (0307E) VERSAPAY CORPORATION

6 A Membership Opportunity! Purolator Volume Discount Program Value Added Program CUSTOMER NAME ADDRESS CITY Your local Chamber of Commerce, in conjunction with the Alberta Chambers of Commerce, is pleased to offer you discount courier services through Purolator. The DISCOUNT rates vary from 5% to 30% OFF depending upon where the parcel is coming from and going to. Call today to find out your actual discount rate! Purolator offers industry-leading services, such as automated waybill preparation, largest air cargo network and the most extensive integrated rural network in Canada! To take advantage of all Purolator has to offer, simply notify them you are a chamber member and would like to start receiving the discount. If you have an account already, please note below. CHAMBER NAME AUTHORIZED CHAMBER SIGNATURE ACCOUNT NUMBER ASSIGNED (PUROLATOR USE ONLY) APPLICATION FORM PROVINCE POSTAL CODE For inquiries please call Edmonton North Sales Coordinator EDMONTON (780) ext 318 or Toll Free in Alberta Fax (780) For tracking, supplies & pick-up SHIP-123 DATE

7 A Membership Opportunity! Value Added Program ATB Financial Exclusive Offer Card Payment Processing Made Simple ATB Financial is pleased to offer the following rates for all card payment processing needs to members of the Alberta Chambers of Commerce effective April 1, % * 1.71%* $0.10 each $33.00/month Monthly Fee $20 Merchant Direct Terminal Rental** (online reporting optional) $10.00/month per location One time Activation Fee $50 Cancellation Fee *** $300 * This Qualified Rate applies to all transactions processed by merchants including all card types (consumer, premium, corporate) and regardless of method of processing (swiped, keyed, ecommerce, etc). A Non-Qualified Fee of 1.0% will also apply to all transactions that do not qualify as electronic consumer transactions including manually keyed transactions, ecommerce transactions, card not present transactions, corporate card transactions, foreign card transactions and transactions that are not settled within 3 business days of receiving an authorization number. ** Terminal is for an IP 6200 Hi-speed terminal. If any other terminal is requested, standard terminal fees will apply. *** If services cancelled at any time within 3 years of the original application date.

8 Value Added Services In addition to dedicated customer support, a one bank one account solution, and competitive discount rates, ATB s Merchant Payment Solutions also has available the following great value added services. Value Added Program Note: The special offer prices do not apply to these value-add services. Ask your sales representative for complete pricing details. eselectplus With eselectplus, you can increase sales and enhance your customer s online shopping experience by empowering them to make immediate purchases over the Internet in a real time, secure transaction environment. Expanding your business beyond bricks and mortar has never been easier! Merchant Direct An easy-to-use tool that provides you access to your merchant sales transactions 24/7. Improve management of day to day business information by viewing transactions online by transaction number, card number, date or amount. Gift Card ATB Financial brings the revenue boosting potential of Gift Cards to businesses like yours. With the Gift Card market expected to grow by more than 55% by 2007, there isn t a better time to start your own success story. Increase sales, build your brand, and improve processes with our Gift Card program. Get ATB Financial Merchant Payment Solutions working for you. Call to talk to an ATB Merchant Services Specialist today. 1 To qualify for the Exclusive Offer, you must be a new merchant customer to ATB Financial and an active member of the Alberta Chambers of Commerce. Offer is in effect as long as customer maintains their Alberta Chambers of Commerce Membership. Existing merchant customers of ATB that join the Alberta Chambers of Commerce can take advantage of this offer subject to an additional $250 administration fee. ATB is free to change the rates charged for the various services included in this offer at its sole discretion and at any time. ATB Financial reserves the right to determine qualified merchants.

9 A Membership Opportunity! EFAC Employee & Family Assistance Counselling Opportunity Increase productivity and staff morale while decreasing absenteeism, workplace accidents and disability costs - simply by caring for your employees and their family s well being. Professional assessment and referral (eg to treatment) when necessary. Access up to 10 confidential counselling sessions annually per concern at a local, independent and well established counselling service in Brooks AB. Available to all management, employees and family members. Rationale In today s highly competitive workplace, many employees struggle to balance the increasingly complex demands of work and personal lives. In fact, in any given year, 15-20% of a work force experiences personal problems around issues such as: relationship concerns, emotional stress, family conflict, workplace relationships, parenting challenges, substance abuse, aging parents, legal problems and financial difficulties. If left unresolved, these everyday problems may lead to diminished personal well-being and compromised job performance. The community, family, workplace and the individual employee are all interdependent. To create meaningful change, the sphere of influence which will inspire changing attitudes and cultures must be extended to the entire system. Return on Investment Happier employees with happier families work harder and cost less! Reality - few employees are able to keep personal problems from interfering with the workplace. For example: $1 - $3 billion dollars is lost annually in Canadian business due to alcohol related problems. Increased job safety Reality - a Canadian Government study showed that 46% of all work disabilities were caused by emotional disorders. Increased employee retention. Reality - at least 65% of Canadian workers are dismissed for personal, rather than technical reasons. Price (Minimum one year contract) $13/month ($156/year) per FTE management & employees (calculated and paid quarterly) covers the cost of counselling up to 10 sessions for each eligible person. Chamber member businesses receive a member discount of 14%. (Regular cost is $15/month).

10 Lifetalk provides: Confidential, caring and professional counselling. Counselling for workplace, individual, couple & family issues. Assessment and referral to appropriate services. On site safety presentations re: preventing enabling at the workplace. Follow-up services. A resource library of books & videos. What Lifetalk will not do: Interfere - Lifetalk counsellors will remain neutral in all matters pertaining to the employment relationship. While this is clear to counsellors, oftentimes clients are looking for advocates or for their counsellor to tell them what to do. SEAP counselling is about ensuring that clients are aware of all their options and helping them to make their own, well-considered decisions. Provide the following assessment services: fitness for duty, fitness for disability or stress leave, court mandated child custody assessment. Need more info? Contact Arnie Weber, Executive Director, Lifetalk Counselling Services. Ph: lifetalkaw@gmail.com lifetalkaw@gmail.com or fax the form below. I would like to receive more info on Lifetalk Counselling s confidential EFAC program. Name: Company Name: Address: Phone: City: Fax: PC: Member in Good Standing of the Brooks & District Chamber of Commerce Authorized Brooks Chamber Signature: Print Name & Title:

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