U S B Pay m e n t P r o c e s s i n g TM

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U S B Pay m e n t P r o c e s s i n g T h a t s S m a r t P r o c e s s i n g TM USB was simple to enroll in. They had competitive rates and all the fees were listed clearly with no surprises. Everyone has been a pleasure to work with and the system is so easy to use! What more could I ask for? My Business Network! Why thank you very much. Dan Cenidoza Arts & Strength (MD)

Mission Statement USB P ayment Pr o cessing i s d edic ated t o p r o vid i ng t he h i ghest qu ality of mercha n t s ervices at a c o s t t ha t wi ll e na b le y our b usiness t o s ucceed. W e are committed t o pr o vid i ng s o lu ti o n s a nd te chnol o g ie s t ha t ma ke p r ocess i n g m ore effic ie n t a nd a ll o w o w ners t o f ocus o n t he ir bu s i ne s ses pr oductiv i ty. Serving t h e l ocal bu s iness comm u ni ty s i nce 1 99 6, USB s p ecia li z es i n of f ering f le xi b le o p ti o n s compa ti b le wi t h a ny bu s i ne ss m od el. We e m p l oy a n i n - h ou se te am of c ustomer se rvice represe nt ative s t o ensu r e t ha t y ou have t he be s t mercha n t services e x perie nce a vaila bl e. USB i s d etermine d t o rema i n t he sm ar t- est pr ocessi n g c h o ice for a ny bu s iness. Our headquarters in Towson, MD. On-site local support M-F 9-5. About Us We provide local, personal, and reliable merchant services that small businesses need. USB Payment Processing NE, Inc. was established in Baltimore, Maryland. We have been serving local businesses since 1996 and have processed for over 10,000 merchants. USB offers low -cost, on-site service and cutting edge solutions to help you best run your business. Our small business approach separates us from other merchant service companies in the industry. We are unique because we are small, which allows USB the time and flexibility to provide your business with the most personalized and dedicated support. USB has become an industry leader in providing merchant services in our community. Affordable equipment and great service are not the only qualities that set USB above the competition. Our strong community ties have given us the opportunity to create a Benefits program that offers our merchants the ability to reduce their daily costs and save money. USB s constant focus to further innovate our smart processing techniques has allowed us to offer a Business Network to our clients that introduces them to other Maryland businesses and generates customer awareness. USB offers merchants the opportunity to increase their business potential by allowing customers to pay for products and services in a way that best suits them. We can provide any processing capability your business needs, but most importantly, we do it local, we do it personal, and we want to save you money. P age 2 C a l l : 4 1 0. 8 2 8. 4 2 8 6

At your service. Our office offers onsite account services, customer service and samae day technical support. Service Service is what distinguishes USB from other card processors. At USB, we have dedicated departments for account services and technical support. All of our customers are treated with respect by our in-house sales and support staff. Our personnel are highly trained to communicate with customers to ensure that we provide honest and clear answers to customer questions. We have satisfied thousands of local merchants for over seventeen years. Our office offers onsite account services and same day technical support with award -winning 24/7 toll-free customer service. We provide you with personalized service 365 days a year. Our knowledgeable and experienced team take a hands on approach to troubleshoot and determine the quickest and most efficient solutions to assist you. We offer a terminal replacement s e r v i c e, w h i c h p r o v i d e s y o u with a programmed terminal within 24 hours of your request. One of our representatives will work with you to help determine the best solutions for your business. Solutions If your business accepts credit cards, PIN or signature debit cards, gift cards and/or checks, you use payment processing services every day. USB Payment Processing can put together a program that works using the Internet, a point of sale terminal, computer software, a mobile phone or various combinations of devices. We support a wide array of authorization protocols to meet your processing needs. USB offers clients the opportunity to increase their business potential by allowing customers to pay for products and services the way that best suites them. We have developed specific products and services such as recurring billing and patient retention programs. One of our representatives will work with you to help determine the best solutions and authorization method for your business. USB will guarantee to meet or beat any other offer. We will save you money and offset your processing costs. Savings We provide the best pricing together with local service. USB will guarantee to meet or beat any other offer. Our processing rates are some of the lowest in the industry. Our rates start as low as 1.54%. Combined, low pricing and local service can save you time and money. My Business Network and Member Benefits are programs created by USB to save you money and offset your processing costs. Member Benefits is a collection of premier business services offering discounts on expenses like equipment rentals, office supplies and shipping costs. My Business Network gives you the ability to create a listing to promote your business on the Local Business Network. You can offer discounts on Printable Coupons and you can search and print coupons for discounts on services to save you time and money! w w w. u s b n e. c o m P age 3

A representative will work with you to help determine the best authorization method for your business. Processing Services USB offers innovative payment processing products and services for businesses of all sizes solutions that will help you grow your business today and take it where you want it to go tomorrow. USB supports your integration with hands-on testing, configuration and installation support. You ll work with a dedicated team to ensure you get the right support from the first contact and throughout the life of your account. Our processing expertise empowers merchants to become more efficient in their operations, expand their customer base and boost their bottom line. A variety of processing options countertop, online and mobile State-of-the-art, compliant equipment choices Exclusive Internet-based management solutions Expert support when you need it We can customize payment processing products and services to meet your unique requirements. Products USB Payment Processing has accumulated the depth of experience and knowledge necessary to offer and support the most innovative credit card processing solutions in the industry today. Whatever your business model traditional POS retail, mail or telephone order, service provider, e -commerce or combination thereof we can customize payment processing products and services to meet your unique requirements. Whether you are looking for wireless, a compact design to save space or an all in one multi merchant terminal we have the product that's right for you Smart Processing TM will help you generate more business, connect you and save you money! Smart Processing TM Smart Processing TM is an innovative way to promote your business in today s highly competitive business world. Imagine, a network of local businesses communicating to build a supportive, strong, financial community. Promote your business, products and services on usbne.com. When you use the network, it will help to bring you new customers and allows you to connect with other local businesses. On your profile, you can promote your special offers with coupons. You will also benefit from preferred vendor savings and print coupons from local businesses. Smart Processing is a new, popular service provided by USB Payment Processing. Smart Processing TM will help you generate more business and save you money! P age 4 C a l l : 4 1 0. 8 2 8. 4 2 8 6

Our Benefits & Guarantee USB Pay me n t P r ocess i n g of fers a l o w c o s t guar antee on cred it card processi n g services. I f y ou should ha p pe n t o find lower rate s o n y ou r pr ocessi n g services fr o m a verif ia b le c o m petitor, we wi ll ma tc h t h os e rate s. At USB Payment Processing NE, Inc. our success is founded on making customer satisfaction our top priority. We look forward to helping you with all of your credit card processing needs both now and as your business grows. When you apply for your Merchant Account with USB this is what you can expect: Guaranteed lowest overall processing costs Face to face representation from knowledgeable and experienced merchant account executives We will work with you to help determine the best authorization method for your business We offer comprehensive solutions that enable merchants of all sizes to accept the form of payment that meets their business needs Accurate and detailed rate quote with full disclosure of all potential fees or charges Honest review of any competitive quotes or offers, whether you choose us or not! One of the highest approval rates in the industry Quick and easy account setup Prompt response from a highly trained technical support and customer service representatives Member Benefits: Preferred Vendor s Discounts Local Business 2 Business Network: A collection of local businesses offering discounts to save you money. Experience USB is privately owned and operated in Maryland since 1996. Our knowledgeable staff has over 100 years of unmatched merchant services experience with the same company. No outside investors to push us towards fast profit at the expense of our customers long term well -being. Credibility USB has earned its reputation in the merchant services industry. We have a long history of high customer satisfaction and retention rates. We are in good standing with the Better Business Bureau, and have been rated number one in Maryland by many institutions. Give Your Business the Competitive Edge To learn more about USB Payment Processing NE, Inc. or to start accepting credit cards for your business, call 410-828-4286 to arrange a meeting with an account representative to discuss your needs. P age 5

My Business Network How does it work? 8 Steps to Smart Processing TM 1. Visit usbne.com/register 2. Fill in your personal & business information. 3. Click on Register.* 4. A confirmation window will let you know your registration was successful. An email will be sent to your inbox. 6. Click on My Account Info to update personal information. 7. Click on My Business Info to add more information about your business, upload your logo, and add social media. 8. Click on My Business Coupons to create as many coupons as you want. You may choose a limit on each coupon and add expiration dates. Advertise your business, gain new customers. Its that simple. 5. Click on blue link to go back to your account to complete your profile and create coupons! P age 6 C a l l : 4 1 0. 8 2 8. 4 2 8 6

Smart Processing TM Save. Connect. Promote & Grow with My Business Network My Business Network is free of charge for the lifetime of your open merchant account. You can create your account online at www.usbne.com. Features of My Business Network: Create and mana ge c ou p o n s or specia l offers Add s pecif ic b usine s s i nf or ma t ion a b ou t your bu si ne s s : u p l oad you r l o go, ma p y our l oc ati o n, h our s of o peration, d escripti o n s a nd m ore. Access your merchant s ta teme n t s o n li ne 24/ 7. Member B en efits : C o llecti o n of p referred ve nd or s t ha t offer our members e xclu s ive disc ou n t s o n premier bu s i n ess services. Local B us in ess Dir ec tor y : N etwor k and c o n nect w ith ot he r l oc al bu si n ess o w ners. P ot entia l custome rs are waiting f or y o u t o pr o m ot e your services. Create y ou r bu si ne s s li s ti n g t o ad verti se y our business. Pr in ta ble C ou p ons : Se arch by bu s i ne ss name, city. z i p c ode, or bu si n ess cate g ory. Select the c ou p o n s you wa nt d o w nl oad a nd pr i n t. Now That s Smart Processing TM w w w. u s b n e. c o m P age 7

U S B P a y m e n t P r o c e s s i n g L o c a l. A v a i l a b l e. P r o v e n. 8501 LaSalle Road Suite 300 Towson, MD 21286 PHONE: (410) 828-4286 FAX (410) 828-4599 www.usbne.com USB Payment Processing USB Payment Processing is dedicated to providing the highest quality of merchant services at a cost that will enable your business to succeed. We are committed to providing solutions and technologies that make processing more efficient and allow owners to focus on their businesses productivity. Serving the local business community since 1996, USB specializes in offering flexible options compatible with any business model. We employ an in-house team of customer service representatives to ensure that you have the best merchant services experience available. USB is determined to remain the smartest processing choice for any business. PLEASE PLACE STAMP HERE