Accept credit card transactions anywhere you go using a smartphone or tablet. Learn more at getpayd.com/bmo

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1 Accept credit card transactions anywhere you go using a smartphone or tablet. Learn more at getpayd.com/bmo

2 With PAYD you have the freedom to accept credit cards anywhere using a smartphone or tablet. Download a free app, plug the card reader into the audio jack of your mobile device and- voilà!-you re ready to get PAYD. WHY YOU SHOULD GET PAYD? Zero commitment: No contract and no minimum processing limit. Affordable pricing: 2.75% per swiped transaction and 2.95% per keyed transaction. No additional fees for keyed transactions. 2 Fast and easy sales: Customers pay on the go and receipts are sent via . Real-time reporting: Track all transactions, even cash, from your mobile device or online account. Free card reader and app: Compatible with Apple, Android and select BlackBerry devices. 3 Maximize cash flow: Payments get deposited directly into your bank account. Secured by Moneris : Card data is encrypted at the time of swipe, giving you and your customers added peace of mind.

3 Accept Credit Cards Everywhere Serve more customers; make more sales wherever your business takes you.

4 Sign up today and we ll send you a free payd card reader 1 Apply at getpayd.com/bmo Getting started is easy: 1. Complete the account application form at getpayd.com/bmo 2. If approved, you ll be notified within 1-2 business days. 3. Receive your free PAYD reader by mail within 5 to 7 business days and start getting PAYD.

5 PAYD is ideal for businesses on the go, including: Contractors Plumbers Interior designers Trade show vendors Personal trainers Photographers Weekend antiques sellers Part-time handymen (or women)

6 I love getting PAYD! ~ Sean P., photographer, Calgary, AB Just got [PAYD] set up and ready for my first show tomorrow evening. I think this is a great idea. ~ Lori H., jewellery designer, Waterford, ON Having the PAYD reader increased my sales during my last festival! I will be using it at every show from now on! ~ Kristin R., artisan, Winnipeg, MB 1 Each merchant may qualify for one free Reader only. The merchant shall qualify for the free Reader following the approval of its merchant application by Moneris Solutions Corporation ( Moneris ). Upon receipt of the free Reader, the merchant will not qualify for any additional free Readers or for rebates for Readers that the merchant may purchase from Moneris from time to time. Subject to certain terms and conditions. Offer cannot be combined with other offers and may be cancelled or withdrawn at any time without further notice. Offer is subject to approval of merchant application by Moneris. Moneris is under no obligation to approve a merchant and reserve the right to determine qualified merchants in accordance with its policies and procedures. In order to receive Moneris processing and related services, merchants are required to, and agree to be bound by, the terms and conditions under the merchant and/or other agreement(s) with Moneris. 2 Visit getpayd.com/bmo for complete details regarding pricing, which may be subject to change at any time without further notice. 3 Visit getpayd.com/compatiblehardware for more information. PAYD is secured by Moneris Solutions Corporation, jointly owned by RBC Royal Bank and BMO Bank of Montreal. MONERIS, MONERIS & Design and MONERIS SOLUTIONS & Design are registered trade-marks of Moneris Solutions Corporation. APPLE is a trade-mark of Apple, Inc. registered in the U.S. and other countries. The trade-mark BLACKBERRY is owned by Research In Motion Limited and is registered in the U.S. and may be pending or registered in other countries. Moneris Solutions Corporation is not endorsed, sponsored, affiliated with or otherwise authorized by Research In Motion. BMO and BANK OF MONTREAL are registered trade-marks of Bank of Montreal. TM PAYD and PAYD & Design are trade-marks of Moneris Solutions Corporation. ANDROID is a trade-mark of Google Inc. All other marks or registered trade-marks are the property of their respective owners.