fast, reliable processing

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1 fast, reliable processing Mercury Payment Systems is a transaction processing company created to enhance point-of-sale systems with integrated credit, debit, PIN debit, EBT, check, gift card and loyalty processing. An industry leader in card data security compliance solutions as well as 24/7 live technical support, Mercury partners with POS developers and dealers to deliver fast, reliable, and affordable payment processing to their merchants. MERCHANT POS RESELLER DEALER MERCURY PAYMENT SYSTEMS POS DEVELOPER Fast 2-second IP processing and reliable dial-up processing Free MercuryGift card processing Free 24/7 live technical and customer support Free real-time Web reports

2 Enjoy superior processing features available only through Mercury! fully integrated software MercuryPay is integrated with most point-of-sale systems, as well as NoLoad Datacap products and a variety of dial-up terminals to provide you with fast, reliable and affordable payment processing. Fast 2-second Internet protocol (IP) processing and reliable dial-up processing Two-second Internet protocol (IP) transactions reduce customer waiting. Whether you choose high-speed or dial-up transactions, you ll receive many extra Mercury services for free. Competitive rates Mercury is affordable. Our integrated processing solution eliminates the cost of additional software. We will match your current payment processing rates, or build custom rates to fit your business. Mercury charges nothing to process your application and enrollment. Security Mercury is compliant with the Payment Card Industry Data Security Standard (PCI DSS), and we are dedicated to making sure that you are, too. Mercury is an industry leader in helping merchants protect their businesses from credit card data theft. We partner with POS developers and dealers to create swipe-to-settlement security solutions for merchants. MercuryGift card processing MercuryGift makes it easy and affordable to satisfy customer demand for gift cards. Mercury offers gift card processing and a choice of programs to suit your business. (Please contact your POS reseller to discuss details and system compatibility.) merchant portal and real-time Web reports Through our custom merchant portal you will have immediate 24/7 access to all your transaction data with more than 30 types of real-time Web reports. 24/7 live technical and customer support Have a question or problem? Need assistance? At Mercury, you get to talk to a real person. No problem. Our inhouse customer support team is available to you 24/7. Stand-in authorization protection Mercury provides back-up processing protection. Mercury s stand-in authorization platform allows you to continue processing in the event of an authorization network outage. Mercury assumes all liability by automatically backing every transaction, guaranteeing no financial loss to you. No application, setup or enrollment fees Mercury wants to be your payment processor. So we make it easy. We never charge the application, enrollment, or set-up fees that other processors charge. Application fee Set-up fee Software fee Web reporting 24/7 live support Stand-in authorization Merchant portal MercuryGift balance inquiry

3 Corporate Overview Mercury Payment Systems was founded in 2001 to provide merchants with cost-effective, high-speed credit card transaction processing services. Mercury enables POS dealers and developers to deliver superior payment processing solutions to their merchants through cutting-edge technology, value-added services such as free gift card processing and loyalty marketing, outstanding customer service and support, and continuing education on the payments industry as a whole. The company developed MercuryPay, an innovative technology that uses ActiveX and web services interfaces to enable secure, reliable, fast payment processing. MercuryPay works with Internet protocol (IP) as well as dial-up platforms for compatibility with any POS system. Mercury s strategic partners are Datacap Systems, Inc., which develops and markets electronic payment interfaces; Global Payments, Inc., a worldwide provider of electronic commerce products and services that manage, support, and speed the processing of funds and payment information; and HSBC Holdings, one of the largest banking and financial services organizations in the world. 10 Burnett Court, Suite 300, Durango, CO 81301, , Mercury Payment Systems is a registered ISO and MSP of HSBC Bank, USA, National Association, Buffalo, NY

4 Increase sales with free MercuryGift card transactions! Gift cards are the top gift choice for consumers all year long. Take advantage of Mercury s free gift card transaction processing to generate new revenue and build brand awareness. { Free gift card transaction processing Free account maintenance Free customer care Free balance inquiries Several pre-designed Express program card choices, or design your own custom cards Express The Express Program provides all the basic ingredients for gift card success: great looking cards with your logo, point-of-sale merchandising, real-time Web reporting and free gift card processing. Choose one of several card designs, send in your logo, and you will receive your complete gift card package within a few weeks from proof approval. Choose one of the following designs: Package includes: 500 cards with black logo 500 standard presenters 5 table tents 1 acrylic display 1 display insert Only $290! (Metallic card packages $325) Custom Mercury s Custom gift cards are an affordable way to get customized gift cards. You get great looking cards that you design (Mercury can help with your design). Plus, you also get real-time Web reporting, and free gift card processing. your business your design your logo Gift Merchandising Options: Gift card presenters Gift card envelopes Gift card sleeves Acrylic display Inserts Table tents Cards start at just $0.99 with a minimum 1000 card order. Prices vary depending on the number of cards, artwork and package choices. Volume discounts are available. Please check with your point-of-sale dealer for system compatibility. Registered ISO and Merchant Service Provider of HSBC Bank, USA National Association, Buffalo, NY

5 Stand-alone gift program Sign up for our stand-alone gift program if you are using another payment processor with your POS or payment terminal. All the robust features of MercuryGift are available to merchants that are not using Mercury for payment processing for just $75 per month. Card specifications Cards have the same dimensions as a standard credit card and are made of LoCo plastic with a PVC core. The cards are encoded on the second track of the magnetic strip with the gift card number and the CVV security data. Already have cards? You can use your existing cards with Mercury. Simply send 3-5 of your existing cards to Mercury to ensure compatibility. Then, provide us with a spreadsheet of your card numbers and balance information. We will transfer the cards and their existing balances to Mercury. Think payments. Think Mercury Merchants with multiple locations Mercury s gift card programs are easy to implement and maintain for one store or an entire group. The group can be a franchise, mall or retail association. Mercury can create your gift cards so that they can be issued and redeemed at any location or so that they can only be issued from one location but redeemed at all of the locations. Web reporting With Mercury s powerful Web reporting, you can quickly track and reconcile multiple-location gift card activity. For example, Store A issues a card for $50, which is redeemed at Store B. Store A owes Store B $50. Both locations can view that transaction on Mercury s Web reports, and at the end of the month, see a summary of all crosslocation activity. Cross-store gift card reconciliation options MercuryGift merchants have the additional convenience of Automated Clearing House network (ACH) funds transfer for cross-store gift transactions. Mercury can electronically transfer funds into and out of the appropriate bank accounts for you on a monthly basis so you don t have to think about it. Choose to establish a corporate central pooling account or maintain control at the store level (merchant-to-merchant). With a corporate account, all issue and reload funds are transferred from the issuing merchant s account into the corporate gift pooling account. When a card is redeemed at a particular location, the funds are transferred from the corporate account to the redeeming location s bank account. A merchant-to-merchant account is useful for individually-owned franchises. With this account, the issuing merchant claims the revenue at the time of purchase. If the card is then redeemed at another location, those funds from the issuing merchant s bank account are transferred to the redeeming location s account.