PROCESSING CONSULTING

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2 PROCESSING CONSULTING

3 Your Value Proposition for your Clients Risk-free analysis of entire Electronic Payment Processing environment. Our core focus is reducing processing costs we average 27-28% in savings. If we don t find savings, there is no fee. If we do find savings for your client our fees are self-funded as a portion of what used to be paid to the providers, that net profit goes to your clients bottom line

4 The Value Proposition for Your Client Independence and objectivity we have no affiliations with any supplier. We remain vigilant we remain up-to-date regarding the latest government regulations and best-in-class price points. Service guarantees your client s pricing will not be affected by portfolio wide rate increases.

5 Who needs our service? Canadians use credit or debit in over 80% of all transactions at Retail stores.* An increasing amount of donations are paid for using credit cards for charities and not-for-profit organizations. Many Municipalities allow payment for parking, tickets, fees, etc., to be made online using credit cards. Ticketing locations and entertainment venues use credit as much or more than Retail stores. *Sources: Bank for International Settlements Red Book and Bank of Canada

6 Why is EPP Confusing? True costs associated with processing are not disclosed. The electronic processing/merchant service industry is mostly unregulated when it comes to billing and sales practices. Extremely complex and cloudy system by which processing costs are determined. Convoluted billing systems wholesale relationship not available to most businesses.

7 EPP Industry Facts vs. Fiction Banks and processing company salespeople are not independent they sell machines and services. Existing banking relationship does not have to change in order to obtain maximum savings.

8 Components of Card Processing Costs Interchange Interchange Rate (522 rates) *Very difficult to determine if appropriate rates are charged DPI (Discount Per Item) Dues and Assessments Visa = 0.08% % MC = 0.077% % MSP (Merchant Service Provider) Monthly Access Fee Discount Rate (% above Interchange) Communication Fees Front-End Authorization Fee Back-End Capture Fee

9 No-Risk Audit Non-Biased Needs Analysis Educational Process Pricing Locked In EPP EXPLAINED Transparent Cost Plus Pricing & Billing Structure Wholesale Level Price Structure Why Review/Audit? 48-Hour Deposit Times Interchange Category Auditing Monthly Auditing and Quarterly Reports PCI-DSS Consulting & SAQ Guidance All Major Processing Platforms

10 Greater London International Airport Already had quote from incumbent but while it appeared to save them money it would have actually cost them more. We saved them 40.51%. Grand Theatre in London Case Studies On track to reducing their fees by 26.68%.

11 1) Do you accept payments from your customer/clients by: a) Credit Cards b) Debit Cards 2) Do you receive a monthly statement from a Processor detailing transaction charges for electronic payments received?

12 2) Are you aware there are hundreds of different rate categories for processing depending on the type, volume, and size of transactions? a) And wholesale pricing options are available in some cases? b) And there is a possibility for errors in applying rate categories? c) And there is legislation that affects costing for some categories? d) And you do not have to change banks to qualify for reductions or recoveries? 3) Would you like us to audit this area for you, where we review your processing statements and agreements, apply analysis tools to break down various transaction types and options, and apply our consulting process to reduce your monthly costs for you? We have been able to reduce our client costs by an average of 27-28%.

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