EZCheck Gift and Loyalty/Rewards Cards now available!

EZCheck Gift and Loyalty/Rewards Cards now available! Highlights Include: Merchant Web Portal for account management, reporting, and using marketing tools such as Text and Email messaging! SMS Text and Email messaging for merchant to send out coupons and special offers via text and email! Consumers able to check balances and sign up for loyalty programs online! Long list of compatible terminals including POS Software packages and a virtual terminal! No transaction fees! Low flat monthly fee! Visit www.ezchk.com for more details and materials such as: Merchant service agreement One-page flyer Product and Sales Information / Training Certified terminals and software list Accessory Order Form

EZCheck Gift and Loyalty Cards EZCheck s Gift and Loyalty Card programs can improve customer loyalty and increase a business s profits. Gift Card Programs Consumer surveys show that more than half of all gift cardholders will make two or more trips to a business to use up the cash value on their gift cards. More than one in ten customers will not use up the entire value of their gift card. Many customers will use up the value on their card and spend additional money at the business during the same visit. Merchant Benefits for Gift Cards Keeps consumers shopping in their establishment Gift card programs are easily managed and improve cash flow Accurate and secure eliminating fraud, abuse and forgery Has no value until activated by an authorized employee Easy to promote allowing for suggestive selling and spur of the moment purchases Funds received on gift cards can be placed in interest bearing accounts Greatly reduces accounting and administrative headaches of manual paper systems Acts as a mini billboard in your customer s wallet Can be used in conjunction with loyalty or rewards programs Consumer Benefits for Gift Cards Great as gifts for co-workers, teachers, children or service personnel High-tech, upscale form of payment Convenient and no manual handling of paper Cab be combined with a loyalty program to allows specific benefits Loyalty Card Programs Loyalty card programs can improve customer loyalty and increase profits. Business surveys confirm it is much more cost-effective to market to current customers than to reach out to new ones. A customized loyalty program can help a business not only retain its customers, but increase spending and frequency of visits as well.

Merchant Benefits for Loyalty Cards Consumer spending is 46% higher with businesses that offer loyalty card programs Businesses can increase revenues by almost 50% by retaining 5% of their customers Encourages existing customers to return more often and spend more money Loyalty card programs entice first time customers to come back Consumers feel appreciated when rewarded for spending money at places they already visit Studies indicate 60% of consumers say a loyalty card program is important in their shopping decisions Consumers are more likely to recommend the business to their friends Provides merchants with demographic information on their customers Acts as a mini billboard in their customers wallet Can be used in conjunction with a gift card program How It Works EZCheck s Gift and Loyalty Card programs allow businesses to set up and manage their own system that includes features such as: Single or Multiple-Locations systems Community, Association, and Group systems available Real-time processing and balance inquiries Available on payment terminals, POS Systems, and Web SMS Text and E-mail Messaging for customer target marketing. Gift Card Programs EZCheck s program allows a business to customize a program with standard denominations for every card or varying amounts. Cards hold no cash value until activated at a register, virtually eliminating the threat of theft. This allows cashiers to emphasize a gift card program with cards on hand in front of registers. When a customer makes purchases using a gift card, the cash value will decrease until they have spent the amount of the card value. EZCheck can further customize the gift card program by making gift cards reusable and rechargeable in-store or online. Loyalty Card Programs EZCheck s program allows the business the means to create and implement an easily managed loyalty program. Customer data can be added to a loyalty card number at the point of sale terminal, or on the web. Businesses are able to market to their customers in a variety of ways, including customizable receipt messages to encourage return visits. In addition, businesses can send out messages via SMS text and e-mail, helping to increase revenue on slow days or market to specific consumers for special events and promotions.

Customer loyalty programs generally fall into one of three categories: Instant Reward - A reward is automatically given to cardholders when they reach a certain number of points, purchases, or visits. Graduated Reward - A reward program that lets cardholders save points until they want to cash in. Receipts can be printed with usage to show the cardholder the number of points accrued. Rebate Program - Rebate programs offer customers a cash rebate. The rebate can be a fixed percentage, or the percentage can be based on time of day or day of week. With EZCheck s expertise in loyalty and reward card programs, we will be able to assist a business every step-of-the way to create a program that is both profitable for the business and valuable to their customers. Technology EZCheck s Gift and Loyalty Card program is secure and reliable thanks to our advanced processing network. Great pains have been taken to ensure that the program is always up and running, from our geographically diverse redundant data-centers, to our Tier-I facilities with power back-ups to operate even during the longest blackouts. Real Time Transaction Reporting EZCheck provides a merchant administration portal to view gift and loyalty card transactions in real-time. Detailed transaction reports provide a wide variety of customer information and habits. With FMS, customer behavior and usage data can be tracked to determine the effectiveness of the gift card and loyalty programs. Consumers can check their card balance at getyourbalance.com at no charge. By encouraging customers to register their card, businesses can start building a customer database and developing targeted marketing lists. EZCheck Loyalty/Reward Card Unique Features Program Freedom System tools can be used to create loyalty, frequency, shared reward, community reward, and charity donation programs Programs can be associated with multiple merchants Promo Messages Custom ranges for receipt messages (e.g. After spending $10, message appears, Spend $5 more and receive a 10% discount on your next purchase )

Card Holder Demographics Add customer data to a card number at point of sale or on the web Store standard customer data like name, address, and contact information plus up to 10 custom fields Run reports based on stored data Pre-Activation Activate a group of cards at once great for direct mail Activate cards with predetermined or zero value Auto Rewards/Points to Cash Reward triggers automatically add value to a card when certain thresholds are crossed (e.g. 100 points = $10, 250 points = $30) Percentage of cash back from a sale converts after a set time period (e.g. cash is put on card seven days after purchase) Percentage of cash back from a sale to convert when a certain level is hit (e.g. cash is put on card in $10 increments) Card Sets Create separate sets for reporting or marketing campaigns Ability to split card sets Can generate random or sequential numbers Auto-generating number tool is fast and avoids any mistake of duplication Marketing Send messages to customers in certain card sets or campaigns via SMS text or email Export data to use for direct mail and email campaigns Location/Employee Restrictions Restrict certain transaction types by location ( e. g. adding points, voids, etc) Show or hide reports from the web administration by location and/or employee Balance Inquiries Merchants can check card balances from Point-of-Sale or online merchant portal Cardholders can check their own card balances online Managers can run a report to see total amount of all cards with balances Importing Legacy Programs Use cards from an existing program Import balances and transaction history from an existing program Once imported, older program information appears on our system as if it was there from day one Card Management Merchants are able to deactivate, or freeze a card if lost or stolen Cards can be reactivated once found or after expiration

Expiration Choose expiration by activation, inactivity, fixed, or fixed recurring date Cards can be renewed after expiration, or restricted so renewal is not allowed Changes made to expiration affect all cards in field Auto-renewal on a credit Reporting Transaction Activity Display transactions by day, week, month, last 30 days, etc, or any custom date range Drill down transactions by store, employee number, terminal, and card Full transaction history available in real-time via merchant portal Multi-Merchant Settlement Centralized reporting for organizations that pool funds into one account De-centralized reporting for organizations that keep money in separate accounts owned by separate merchant (e.g. separately owned franchise stores) Per-merchant report privileges allow report access to any or all locations Quick Glance Dashboard displayed on merchant portal Year-over-year graph for transaction volume comparison Easily viewed status, total balance, and unused cards on-hand Exportable Reports Comma-separated exports available for most reports Allows for exporting data to other systems for accounting, marketing, and statistical use Dormancy/Liability Liability report allows controllers and accountants to easily maintain books View cards dormant for a given period of time within a specified date range, by transaction type.

Common Product Questions 1. What are the buy rates? $20 per month for Unlimited Gift and/or Loyalty transactions $20 per month for Online Merchants includes 2,500 transactions per month. Additional transaction buy rate is $0.04 per transaction $0.15 per SMS Text Transaction CARD PACKAGES 100 Standard Package buy rate is $110 ground shipping included 500 Custom Card Package buy rate is $415 ground shipping included. CARD REORDERS 100 Standard Cards - $89 Custom Cards per table below Quantity Card Cost Plate Fee Total 100 $1.30 $35 $165 250 $1.00 $35 $285 500 $0.60 $35 $335 1,000 $0.49 $35 $525 2,500 $0.39 $35 $1010 All custom card orders require a Plate Fee. Special pricing available for orders over 2,500 MISC COSTS Print 4/4 $55 per 1,000 Artwork Design $99 includes 2 revisions. Additional revisions are $22 each. Artwork Touch $85 Touch up fee incurs if the art sent to EZCheck does not meet our artwork specs and needs to be reformed. Specialty Cards (Gold, Silver, and Frosted cards) $89 per 1,000 Recycled PVC Cards $35 per 1,000 2. What equipment is required? Check the certified devices page at the end of this module for an extensive list of terminals, POS Systems, and Web capabilities. 3. Is there any software involved? Yes, certified terminals require a download of the application. 4. How does the merchant use the SMS Texting feature? They set up and administer this feature via the online merchant portal. The portal also provides all of their account and card information and reports. 5. How long does it take to set up a merchant?

Merchant account set up takes two business days. Standard card turnaround is 4 business days. Custom card turnaround is 10 business days. 6. What paperwork is needed to sign up an account? EZCheck Gift & Loyalty Card merchant agreement, New Account Set Up sheet, voided check, and the appropriate card order form and materials. 7. What happens after I send in the paperwork? EZCheck handles setup, training, and card order. The agent can handle the terminal download or request EZCheck to remotely download. If remote, you must provide a merchant contact for it. 8. How does the merchant reorder additional cards? Agent can send reorders to EZCheck, or merchant can reorder by calling EZCheck customer service. 9. Can you convert existing card programs from other systems? For conversions, the agent needs to make sure the terminal is not locked down preventing a new download. Also, agents need to send sample cards to EZCheck to check encoding specs. Finally, the agent or merchant must email EZCheck an electronic file containing existing card numbers and balances for import into the new service. Common Sales Questions and Answers 1. What are the main areas of Gift/Loyalty cards? a. Gift Cards b. Customer Loyalty/Frequency Programs c. Text Messaging d. Web Portal 2. What is a good way to start the conversation around gift cards? a. Use a different approach from what the prospect hears every day regarding other types of payment processing. b. Example questions to ask: i. How do you make customers feel special? ii. How do you make someone more likely to become a repeat customer? iii. What forms of advertising do you currently invest in (radio, TV, print, internet)? iv. How successful is your current advertising compared to the investment? v. When was the last time you received a text and did NOT read it? vi. What s it worth to instantly communicate with hundreds of your best customers? 3. What are benefits to Text Message Marketing? a. Highly targeted, low cost of advertising with immediate results. b. Drives customers to visit you in slow times when you need it most.

c. Makes you appear more technologically advanced. d. Enhances relationships with customers by sending relevant messages about Birthdays, Special Events, etc. 4. What are the main benefits to Gift and Loyalty Card Programs? a. More secure and more stylish than paper certificates b. Breakage (subject to State Laws) i. Instant cash to your bottom line ii. Nearly 20% of the value of Gift Cards never gets redeemed. iii. Majority of cardholders spend far beyond the value of the card. c. Makes customers feel special / part of an exclusive club. d. Gives incentives to try additional products and services e. Promote most profitable items. f. Increase likelihood of repeat business. 5. What are some Sample Rewards Programs for Target Merchants a. Restaurants and Bars i. Spend $200 and receive free appetizer at next visit b. Salons (hair, nails, tanning, etc. i. Earn 100 points and get 10% off purchase of styling products c. Healthcare practices (Dentists, Optometrists, Chiropractors, etc.) i. Six visits for the price of five d. Car Dealerships and Service Stations i. Take a test drive and receive prepaid maintenance card. e. Retail Stores i. Merchandise return cards. 6. What are recommended Quick & Easy Programs a. Determine number of customer visits and amount of money spent for merchant to consider someone a good customer. b. Multiple # of visits by $ spent per visit to arrive at Loyalty Threshold. c. Assign point value to each $ spent and set Reward Trigger to go off when accumulated point values reach Loyalty Threshold. d. Establish tiers for VIP status (optional). 7. What are some After-Sale Opportunities a. Text Message Campaign Ideas. b. Community / Multi-merchant program participation c. Custom card designs d. Seasonal programs e. Website integrations w/ API tools. 8. How do I handle conversions from competitive systems? What you need to provide to EZCheck is; a. an electronic file with a minimum of outstanding card numbers and balances. b. A transaction history file is optional but helpful to the merchant as it allows historically data to transfer to the EZCheck system.

c. Several sample cards or an encoding file that shows the specs used for creating their existing cards. This allows EZCheck to confirm the existing cards will be accurately read. 9. What are the main differentiators between the EZCheck program and many competitive systems? a. Superior online reporting and management tools b. The system s multiple number of set up options, management tools, functionality, and depth. c. The advanced marketing features such as Text and Email campaigns. 10. Can I do a demo of the web system? Yes, go to https://new.myprogramadmin.com and use location = 479511 employee name = Ezsales, password is salesdemo123. This will show you a combination gift and loyalty card demo account.

Gift/Loyalty Supported Terminals/POS Guide Software Dynamic Device Version Gift Loyalty Receipt Messaging Tip Multi-App Ethernet Hypercom Optimum M4100 2.4.0 yes yes yes yes yes no Hypercom Optimum M4230 2.3.1 yes yes yes yes yes yes Hypercom Optimum T4100 4.0.0 yes yes yes yes yes yes Hypercom Optimum T4205 4.0.1 yes yes yes yes yes no Hypercom Optimum T4210 4.0.0 yes yes yes yes yes no Hypercom Optimum T4220 4.0.0 yes yes yes yes yes yes Ingenico I 5100 4.0.0 yes yes yes yes yes yes Micros 3700 4.0.0 yes yes yes yes no yes Micros 9700 4.0.0 yes yes yes yes no yes Microsoft RMS 1.0.3 yes yes yes yes yes yes Microsoft Dynamics 1.0.2 yes yes yes yes no yes Microsoft Dynamics POS 2009 4.0.0 yes yes yes no no yes Microsoft Dynamics RMS 2 4.0.0 yes yes yes no no yes Verifone Nurit 2059 1.5.3 yes yes no yes yes no Verifone Nurit 2085 1.5.3 yes yes no yes yes no Verifone Nurit 3020 1.5.3 yes yes no yes yes yes Verifone Nurit 8000 1.5.3 yes yes no yes yes no Verifone Nurit 8020 1.5.3 yes yes no yes yes yes Verifone Nurit 8320 1.5.3 yes yes no yes yes yes Verifone Nurit 8400 1.5.3 yes yes no yes yes yes Verifone Omni 3730 4.0.0 yes yes yes yes yes yes Verifone Omni 3730 LE 4.0.0 yes yes yes yes no yes Verifone Omni 3740 4.0.0 yes yes yes yes yes yes Verifone Omni 3750 4.0.0 yes yes yes yes yes yes Verifone Tranz 330 2.0.3 yes yes yes yes yes no Verifone Tranz 380 2.0.3 yes yes yes yes yes no Verifone Tranz 380 x 2 2.0.3 yes yes yes yes yes no Verifone Tranz 460 1.0.0 yes yes no yes yes no Verifone Vx 510 4.0.0 yes yes yes yes yes yes Verifone Vx 510 LE 4.0.1 yes yes yes yes no yes Verifone Vx 570 4.0.0 yes yes yes yes yes yes Verifone Vx 610 4.0.0 yes yes yes yes yes yes Verifone Vx 670 4.0.0 yes yes yes yes yes yes Verifone Zon Jr XL 1.0.0 yes yes yes yes yes yes Web Service 4.0.0 yes yes yes yes no yes Web Terminal 2.5.1,4.0.0 yes yes yes yes no yes