THE ONLY NUMBER YOU WILL EVER NEED 24 Hours a day, 7 Days a Week

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1 New Merchant, Thank you for your decision to do your Credit Card processing with us. You are part of the growing list of businesses throughout the country that have chosen Esquire Merchant Services, one of the fastest growing Merchant Service Providers in the Country. We have built a State-Of-The-Art customer service oriented business to handle the needs of not only today s diverse range of merchants in the marketplace but tomorrow s as well. It is with you our valued customer, generating sales and servicing the buying public that we are able to handle the challenges that confront all of us on a daily basis and meet those challenges head on. If you are using a card processing terminal, enclosed with this letter you will find a Quick Reference Guide explaining how to operate the processing program contained in your credit card equipment. More than likely your agent has already covered the basic operation of the system if you were not already familiar with it. There is also an enlarged copy of the articles that govern your Processing Agreement for your convenience. Additionally, you can access an electronic version of the articles along with quick reference guides and other valuable information on our website at any time. From time to time, questions and situations may arise that need some attention. For your convenience, we have established a special toll free number to get to our Client Services department to take care of those questions. We provide full customer service to answer your questions that may arise about your account including rates, how to process, statement charges or any other issue you need to talk to a customer care representative about. THE ONLY NUMBER YOU WILL EVER NEED 24 Hours a day, 7 Days a Week To help you better market the services that VISA, MasterCard, Discover and American Express offer, we have included a few more P. O. S. (Point Of Sale) stickers to use in your business. Displaying these universally recognized LOGO s is a great step in educating your customers so that they can use credit cards for purchases in your business. Once again we would like to welcome you aboard.

2 Possible Declined Card Codes: No Response from Host Decline 05 Decline 14 Decline 41 Decline 55 Decline 51 Call Center 01 Decline 00 System/Phone Problems No Money In Account At This Time Invalid Card Number Card Is Deactivated Incorrect PIN Number Entered Insufficient Benefits Call Voice Authorization Authorization Code Given & Forced in the Transaction Merchant Service Contact Numbers: Voice Authorization (800) American Express (800) Discover (800) Diners Club (800) Visa (800) VISA750 MasterCard (800) MCASSIST Esquire Merchant Services Corporate Office: 6472 South Quebec Street Englewood, CO Toll Free Fax Line

3 Merchant Cash Advance With 90% of small businesses being turned down for loans, merchants have become stranded without the capital they need to grow their business. Those unwilling to accept this lack of funding as the new status quo turn to Cash Advances. By partnering your merchant services with a merchant cash advance, you can have access to funds using working capital. How a Cash Advance Works Our program is simple: We pay you in advance for a portion of your future sales. As customers pay you, your advance is paid back with a small, fixed percentage of your daily transactions or a daily ACH debit from your bank account. Growing Your Business with a Cash Advance A Cash Advance provides quick access to working capital plus additional resources, tools and guidance to help you manage and grow your business. We trust our partners and place no restrictions on how to use the Advanced funds. Purchase new equipment Expand or remodel Pay for inventory or supplies Pay taxes or settle past-due accounts Approval In order to make the approval process as quick and easy as possible, we have developed a platform that allows our business consultants to get you conditionally approved for an advance in a simple application. It only takes a few minutes to see what we can do for you. Funding When terms are set & agreements are signed, your funds will be wired directly to your bank. Then, a set percentage of your credit & debit card sales will go automatically toward paying off your advance. Underwriting Once conditionally approved for an advance, we ll work with you to swiftly gather the information and documents needed to finalize your approval and get the agreements in place so we can get your money to you as quickly as possible. Partnership We will offer tools, resources, and guidance to help you grow your business. Even better: once you have a proven history with an advance, getting additional funds to grow your business can happen in a matter of hours.

4 The First Merchant Platinum Warranty will cover any malfunction whatsoever on the terminal, printer and pin pad device. FMP Warranty will repair or replace the sent item within hours after receipt of the unit at the corporate office. If there are any questions regarding the FMP Warranty, please contact our Client Services at or Business Name: Business Phone: Merchant ID #: Business By my signature, I am agreeing to the automated debit of $9.95 per month, per location, as payment on the First Merchant Platinum Warranty. This amount is to be automatically debited from the account on file. The automatic debit will be processed on or about the 10 th of each month. X Owner Signature Printed Name Date

5 Are you looking for an affordable way to market your busines? Access now offers the most affordable, customizable packages to fit any business budget, with proven results. Contact your ESQMS Client Service team with any questions or Basic Package: Our basic package has a base setup price of $ that includes recreating your website on our server, enriching the content of your site, making it mobile-friendly and fixing any problems that may exist with it. Price is subject to increase based on additional content, increase of bandwidth to support content, etc. Some websites may not be eligible for Basic Package due to current website compatibility. This can all be discussed with an Access-Now consultant today! Basic Package includes our Traffic Boost at $ a month. 8 hour maximum development time Premium Package: The upgraded package has a base setup price of $ that includes a full custom rebuild of your website, moving it on to our server, enriching your site content, making it mobile-friendly, increasing your bandwidth quota and ensuring there are no problems with it. This package is ideal for customers who may not have a preexisting site, have limited content on their site or are experiencing major technical problems with their existing site. Price is subject to increase based on additional content, increase of bandwidth to support content, etc. This can all be discussed with an Access-Now consultant today! Upgrade package includes our Traffic Boost at $ a month. 12 hour maximum development time Corporate Package: Premium is the best way to go! With a base setup price of only $1, you get a fully custom, state of the art website that is built on our server with enriched content, fully mobile-friendly, increasing your bandwidth quota and ZERO problems. This package is perfect for companies that need a lot of content added to their website, need to have the ability to display products/inventory on their website, have the ability to schedule appointments with your company via your website and so much more! The Premium option is ideal for the business that really wants to leave an impression on their customers and set them apart from the rest! Price is subject to increase based on additional content, increase of bandwidth to support content, etc. This can all be discussed with an Access-Now consultant today! Premium Package includes our Traffic Boost at $ a month. 40 hour maximum development time

6 Social Media Integration: $ one-time setup fee + $50.00 a month This option gives you the opportunity to incorporate your social media sites such as Facebook, Twitter, etc. on your main website and gives you the chance to reach a larger audience and communicate with your customerbase. Search Engine Optimization: $50.00 per word ($ per word with a six month contract required) SEO is just another avenue to increase your website traffic and can give you a broader spectrum of search options Access-Review: $25.00 one-time setup fee + $79.90 a month Allows your customers to review your business on your website and displays those reviews on other major review sites such as Yelp!, Angie s List, etc. Shopping Cart/Gateway Option: $ one-time setup fee + $50.00 a month This option is essential for any company that wants to sell their products online and give the client to shop their inventory from the comfort of their home. Bandwidth Expansion - $19.95 per 10GB of data Increased bandwidth may be necessary for larger sites i.e. e-commerce sites. Additional Development Time - $49.95 an hour These charges may apply to more extensive projects, particularly those with larger sites, sites lacking available content or from-scratch projects. This can be discussed with your consultant BEFORE beginning work on your website. Increase in Traffic Boost price with upgraded packages is due to content requirements. All base prices are subject to change based on specific requirements and specifications for a full site build or rebuild. Customer has the opportunity to review website content before finalization and make up to 2 revisions to the proof; any additional revisions requested after final proof are subject to incur additional fees. Built and rebuilt websites are NOT eligible for revision after proof has already been approved by customer any revisions made to a website after it has gone live will incur an additional setup fee. Websites not hosted on Access-Now servers may suffer from inadequate bandwidth requirements for select services. For more information please speak with your Access-Now consultant.