1. INTRODUCTION Easy Processing Keeps you Smiling… 1.877.680.4ACE

2. WELCOME Ace Merchant Processing is a registered ISO/MSP for Wells Fargo Bank, Walnut Creek, CA . As a merchant services provider, our primary focus is to make available to merchants CREDIT AND DEBIT/CHECK CARD PROCESSING SERVICES AND PROCESSING EQUIPMENT . We also provide other financial services including gift, prepaid, loyalty, EBT cards; check processing systems; cash advance programs, equipment leasing, etc.. Ace Merchant Processing offers a complete suite of payment services aimed to the needs of retailers, restaurant operations, service providers, hotel and lodging businesses, Internet e-commerce marketers, mail order and phone order businesses and other industries. 1.877.680.4ACE

8. HOW CREDIT CARD PROCESSING WORKS… THE ENTIRE PROCESS TAKES JUST 3-15 SECONDS!! This is the Bank that issued the credit card to your customer. This the Merchant Bank that funds the merchant account. 1.877.680.4ACE

9. MERCHANT ACCOUNTS 1.877.680.4ACE

13. AGENT / DIRECT SALES PROGRAM 1.877.680.4ACE

18. UNDERSTANDING PRICING 1.877.680.4ACE

20. WHAT IS INTERCHANGE? Interchange is the set price from VISA  , MasterCard  and Discover  for various types of businesses and credit card transactions. What is not part of interchange? American Express, Diners, JCB, Fleet Cards 1.877.680.4ACE Interchange = % + Transaction Fee For E.g.: Interchange for Credit Retail – Card Swipe : 1.54% + $0.10 - Visa

23. Example 1: Qualified Transaction A $100.00 purchase is made and the card is swiped on the terminal. The merchant will be charged the Qualified Rate. MERCHANT COST Merchant is charged 1.69% which equals $1.69 plus a transaction fee of 21¢, for a total of $1.90. This transaction cost the merchant $1.90. AMP COST AMP’s cost is $100.00 x 1.65% which equals $1.65 plus a transaction fee of 18 ¢, for a total of $1.83. AMP PROFIT Total Profit for AMP for this transaction is $0.07 ($1.90 minus $1.83) 1.877.680.4ACE

24. Example 2: Mid-Qualified Transaction A $100.00 purchase is made using a personal credit card but is key-entered into the terminal. (This usually occurs when a phone order is placed or when the terminal cannot read the magnetic strip on the card.) In this case, the merchant will be charged the Mid-Qualified Rate. MERCHANT COST Merchant is charged 2.44% which equals $2.44 plus a transaction fee of 21¢, for a total of $2.65. This transaction cost the merchant $2.65. AMP COST AMP’s cost is $100.00 x 1.95% which equals $1.95 plus a transaction fee of 18 ¢, for a total of $2.13. AMP PROFIT Total Profit for AMP for this transaction is $0.52 ($2.65 minus $2.13) 1.877.680.4ACE

25. Example 3: Non-Qualified Transaction A $100.00 purchase is made using a business card and swiped through a terminal with signature. The merchant will be charged the Non-Qualified Rate. MERCHANT COST Merchant is charged 3.19% which equals $3.19 plus a transaction fee of 21¢ , for a total of $3.40. This transaction cost the merchant $3.40. AMP COST AMP’s cost is $100.00 x 2.25% which equals $2.25 plus a transaction fee of 18 ¢ , for a total of $2.43. AMP PROFIT Total Profit for AMP for this transaction is $0.97 ($3.40 minus $2.43) 1.877.680.4ACE

27. Example 1: Qualified Transaction A $100.00 purchase is made using a personal credit card and keyed through a terminal, with no signature. MERCHANT COST Merchant is charged 1.69% which equals $1.69 plus a transaction fee of 21¢ , for a total of $1.90. This transaction cost the merchant $1.90. AMP COST AMP’s cost is $100.00 x 1.65% which equals $1.65 plus a transaction fee of 18¢, for a total of $1.83. AMP PROFIT Total Profit for AMP for this transaction is $0.07 ($1.90 minus $1.83) 1.877.680.4ACE

28. Example 2: Non-Qualified Transaction A $100.00 purchase is made using a business credit card and keyed through a terminal with no signature. The merchant will be charged the Non-Qualified Rate. MERCHANT COST Merchant is charged 1% ERR which equals Non Qual Transaction passed @ 2.25% which equals to $2.25 plus 1% ERR charge which equals to $2.25 + $1.00 = $3.25 and transaction fee of 21¢, for a total of $3.46. This transaction cost the merchant $3.46. AMP COST AMP’s cost is $100.00 x 2.25% which equals $2.25 plus a transaction fee of 18 ¢, for a total of $2.43. AMP PROFIT Total Profit for AMP for this transaction is $1.03 ($3.46 minus $2.43) 1.877.680.4ACE

30. Example 1: Qualified Transaction A $100.00 purchase is made and the card is swiped on the terminal. The merchant will be charged the Qualified Rate. MERCHANT COST Merchant is charged PT + 0.20% + 11 ¢ which equals $1.65 (1.65% pass thru rates for qualified transaction) plus a transaction fee of 10¢ (pass thru rates for qualified transaction) for a total of $1.75 plus 0.20% of $100.00 = $0.20 + 0.11 = 0.33 so total = $2.08. This transaction cost the merchant $2.08. AMP COST AMP’s cost is $100.00 x 1.65% which equals $1.65 plus a transaction fee of 18 ¢, for a total of $1.83. AMP PROFIT Total Profit for AMP for this transaction is $0.25 ($2.08 minus $1.83) 1.877.680.4ACE

31. Example 2: Mid-Qualified Transaction A $100.00 purchase is made using a personal credit card but is key-entered into the terminal. (This usually occurs when a phone order is placed or when the terminal cannot read the magnetic strip on the card.) In this case, the merchant will be charged the Mid-Qualified Rate. MERCHANT COST Merchant is charged PT + 0.20% + 11¢ which equals $1.95 (1.95% pass thru rates for qualified transaction) plus a transaction fee of 10¢ (pass thru rates for qualified transaction) for a total of $2.05 plus 0.20% of $100.00 = $0.20 + 0.11 = 0.33 so total = $2.38. This transaction cost the merchant $2.38. AMP COST AMP’s cost is $100.00 x 1.95% which equals $1.95 plus a transaction fee of 18 ¢, for a total of $2.13. AMP PROFIT Total Profit for AMP for this transaction is $0.25 ($2.65 minus $2.13) 1.877.680.4ACE

32. Example 3: Non-Qualified Transaction A $100.00 purchase is made using a business card and swiped through a terminal with signature. The merchant will be charged the Non-Qualified Rate. MERCHANT COST Merchant is charged PT + 0.20% + 11¢ which equals $2.25 (2.25% pass thru rates for qualified transaction) plus a transaction fee of 10¢ (pass thru rates for qualified transaction) for a total of $2.35 plus 0.20% of $100.00 = $0.20 + 0.11 = 0.33 so total = $2.68. This transaction cost the merchant $2.68. AMP COST AMP’s cost is $100.00 x 2.25% which equals $2.25 plus a transaction fee of 18 ¢ , for a total of $2.43. AMP PROFIT Total Profit for AMP for this transaction is $0.25 ($2.68 minus $2.43) 1.877.680.4ACE

33. DEBIT PROCESSING 1.877.680.4ACE

38. EBT PROCESSING (FOOD STAMPS) 1.877.680.4ACE

39. EBT stands for “ Electronic Benefits Transfer .” It is a way of delivering Food Stamp benefits without paper coupons. Using a plastic card that works like a debit card, recipients may access their benefits at retail Point-of-Sale (POS) devices. Supermarkets, grocery stores and convenience stores - which have been authorized for food stamp acceptance by the USDA-FNS - are the primary target markets for the food stamp EBT program. WHAT IS EBT? Consumers can swipe a debit card in the debit card terminal, instead of keeping up with paper coupons. 42 states are fully online with EBT for food stamps and most of the rest are pending. 1.877.680.4ACE

40. CHECK PROCESSING SERVICES 1.877.680.4ACE

44. ELECTRONIC CHECK CONVERSION & GUARANTEE PROCESS 1.877.680.4ACE

45. ATM SERVICES 1.877.680.4ACE

46. ATM SERVICES Ace Merchant Processing provides comprehensive ATM services and high-quality ATM products to independent merchants and small business owners across the nation. AMP offers Financial Institutions and ATM providers a wide selection of services that lets them design the ATM program that best meets their needs. Today, over 400,000 ATMs process over ten billion transactions a year. And the whole industry is still in its infancy. 1.877.680.4ACE

47. THE BEST ATM LOCATIONS As ATM operating costs have declined and consumer demand has increased, opportunities for ATM placement have increased dramatically. Almost any retail location is a potential fit for the right ATM. Source: http://wrgservices.com 1.877.680.4ACE Convenience Stores Grocery Stores Restaurants Hotels Nightclubs Military Bases Government Buildings Colleges Travel Centers Sports Centers Workplace Vending Locations Event Locations Shopping Centers Hospitals and Other Healthcare Facilities

50. CASH ADVANCE PROGRAM 1.877.680.4ACE

51. CASH ADVANCE PROGRAM Ace Merchant Processing offers funding up to $250,000 that can be used for expansion, equipment purchase, promotion, etc… Ace Merchant Processing is not a bank, and our cash advances are not bank loans. Our program is a patent-pending financial process that focuses on future credit card transaction revenue as a repayment vehicle . Our sole objective is to provide your merchants with working capital, quickly and easily, that will help them to achieve their business growth objectives plus avoid the hassles and indignities that accompany bank loan applications. 1.877.680.4ACE

53. vs 1.877.680.4ACE CONVENTIONAL LOAN CASH ADVANCE Detailed Financial Statements for 2-3 years Financial statements not required Audited Tax Returns for 2-3 years Audited Tax Returns not required Must be in business for a minimum of 2-3 years Must be in business 9 months or less Personal Guarantees of all owners Guarantee against fraud or intervention Lengthy Approval Process 48 hours for approval Costly Application Fees No application fees High Credit Scores Required Proprietary Scoring system does not require high credit scores Costly Closing Costs Only your future credit card sales Collateral of all business Assets 2 pages basic application and copy of last four months credit card processing statements Complicated Application Repayment based only on current sales

54. GIFT CARDS & LOYALTY CARDS 1.877.680.4ACE

55. GIFT CARDS & LOYALTY CARDS

56. 3 PROGRAMS FOR GIFT CARDS

57. EXAMPLES FOR GIFT CARDS

59. POS SYSTEMS AND SOFTWARE 1.877.680.4ACE

60. Ace Merchant Processing specializes in complete POS Systems and POS software to meet the needs of your restaurant, grocery, salon, retail store or business. We carry more than 100 different POS systems to choose from. POS SYSTEMS 1.877.680.4ACE Cash Registers Liquor Store POS Systems C-Store POS Systems Salon POS Systems Retail POS Systems Restaurant POS Systems Grocery Store POS Systems Quick Service POS Systems Restaurant Paging Systems Pizza Delivery POS Systems

62. POS SOFTWARE With the right point of sale software, you can perform a ton of business-enhancing functions that offer efficiency, added customer service and user friendly operations. You can find retail POS software that prints bar codes, tracks inventory and creates a speedier checkout. Additionally, our restaurant POS software speeds credit card processing, accepts gift cards and loyalty cards and organizes your order delivery . Our restaurant POS software also currently supports 100% multi-lingual operation at POS & Back Office with English, Spanish, Traditional Chinese, Simplified Chinese, Japanese, Korean and Thai. 1.877.680.4ACE

63. THIRD PARTY PROCESSING 1.877.680.4ACE

68. E-COMMERCE PROCESSING 1.877.680.4ACE For merchants currently without a Web Site e PN eCommerce Solutions For merchants who currently have a Web Site 3 rd party shopping carts; complete list on RSC

69. QUICK BOOKS INTEGRATION Compatible with: PRO – PREMIER – ENTERPRISE 2005 & Newer 1.877.680.4ACE

70. MARKETING MATERIALS 1.877.680.4ACE

71. MERCHANT DECALS & SIGNAGE DECALS TENT SIGNS 1.877.680.4ACE

72. POP COLLATERAL DIRECT MAILERS TRI-FOLD BROCHURES 1.877.680.4ACE

73. FREQUENTLY ASKED QUESTIONS 1.877.680.4ACE

74. FREQUENTLY ASKED QUESTIONS Q. WHAT IS BATCH PROCESSING? WHAT DOES BATCH OUT MEAN? Batch processing occurs when a merchant transmits the “batch” of daily sales stores in the terminal for processing. An “open” batch is one that is not yet “closed.” To “close” a batch or to “batch-out” means to transmit the information from the merchant’s location (terminal or software) to our processor. Q. WHAT IS A BATCH FEE? This is a fee charged each time a merchant “batches-out” their terminal or software. AMP’s default Batch Fee is 20 ¢ per batch. If a merchant is open everyday and batches out one time each day, they will be charged $6.00 per month. Q. WHAT TIME DOES AUTO-BATCH OCCUR? Auto batch or auto-settlement occurs at midnight. Q. WHAT IS AUTHORIZATION? Authorization is a request from a merchant to charge a credit card. The credit card is not actually charged until the authorization is settled . 1.877.680.4ACE

75. FREQUENTLY ASKED QUESTIONS Q. WHAT IS SETTLEMENT? Settlement is a procedure in which a merchant requests that some or all authorized transactions be processed by a credit card processor. This processing includes charging the customer's credit card and transferring the money owed to the merchant. Q. WHAT IS GROSS SALES? Gross Sales means the total dollar amount of all sales with nothing subtracted. Q. WHAT IS THE DIFFERENCE BETWEEN A “VOID” AND A CREDIT/REFUND? Void means cancelling a credit card transaction that has been authorized , but not settled . Credit/Refund means cancelling a credit card transaction that has been authorized and settled . Q. WHAT IS A RETRIEVAL FEE? A retrieval fee is a fee for requesting a copy of the transaction receipt for a transaction that was processed. AMP’s Retrieval Fee is 10 ¢ per item. 1.877.680.4ACE

76. FREQUENTLY ASKED QUESTIONS Q. WHAT DOES A CHARGEBACK MEAN? A chargeback is a reversal of a credit card transaction, as viewed from the perspective of the merchant. It usually occurs when a consumer files a complaint with their bank or credit/debit card provider. This usually happens when a consumer discovers fraudulent transactions on their statement. The bank will investigate the complaints, and will “take back” the value of the original transaction, together with an additional fee, directly from the merchant’s account, unless the merchant can prove the transaction was legitimate. AMP’s Chargeback Fee is $25.00 . Q. WHAT IS A MINIMIM MONTHLY FEE? To help maintain a level of excellent service and support to our merchants, our accounts come with a Monthly Minimum of $20.00 . The minimum is calculated by multiplying your qualified discount rate against your total sales for the given month. This amount is then subtracted from your minimum and you are charged the difference. For example, if you had $750.00 in sales for January and are paying 2.00% as your qualified rate, you would be charged the difference of $5.00 with a $20 minimum. Ex: $20.00 - ($750.00 X 2.00%). On the other hand, if you processed $1,000 in charges, you would not be charged anything as it equals or exceeds the minimum. Keep in mind you are only charged the difference and not simply a flat rate. 1.877.680.4ACE

77. FREQUENTLY ASKED QUESTIONS Q. WHAT IS AVS? AVS stands for Address Verification Service. It is a system used to verify the identity of the person claiming to own the credit card. The system will check the billing address of the credit card provided by the user with the address on file at the credit card company. AMP charges 10 ¢ per item for Electronic AVS. Q. WHAT IS VOICE AVS? Voice AVS is manually verifying the address of a cardholder against the card by calling the card in to the processor’s help desk. AMP charges $2.00 per item for Voice AVS. Q. WHAT IS A VOICE AUTHORIZATION FEE? This fee is only charged when you call in your transaction to an 800 number. It is useful if your terminal or software isn’t working and you need to perform an authorization. Most merchants do not need to use this service. AMP charges 75 ¢ for Voice Authorization. 1.877.680.4ACE

78. FREQUENTLY ASKED QUESTIONS Q. WHAT IS EBT? DO YOU PROCESS EBT-FOOD STAMPS? EBT stands for Electronic Benefit Transfer. It is an electronic system that allows a recipient to authorize transfer of their government benefits from a Federal account to a retailer account to pay for products received. Yes, we process EBT-Food stamps. AMP charges 20 ¢ per Transaction for EBT. Q. WHAT IS A REWARDS CARD? Visa & MasterCard Reward Cards are types of cards that give back to the consumer with items such as cash back, mileage or points. 1.877.680.4ACE

79. NEED ASSISTANCE? ACE MERCHANT PROCESSING CUSTOMER SERVICE 1.877.680.4ACE FIRST DATA CUSTOMER SERVICE 1.866.597.5721 FIRST DATA TECHNICAL SUPPORT 1.800.228.0210 WEBSITE www.acemerchantprocessing.com ADDRESS 12869 CAPRICORN ST, STAFFORD, TX 77477 1.877.680.4ACE

80. THANK YOU! ACE MERCHANT PROCESSING 1.877.680.4ACE