This document describes an exclusive c-store merchant processing program offered through First Data Independent Sales (FDIS). FDIS is a wholly owned subsidiary of First Data Corporation, one of the largest payment processors worldwide. The program offers competitive rates for credit, debit, and EBT transactions. Merchants get access to online account management tools and a dedicated website. The program focuses on small and medium businesses and has high approval rates for many industries.

1. Exclusive C-Store Program
Services by Cardservice International.
© 2008 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. The First Data
Independent Sales Agent Program is operated by Cardservice International, Inc. Cardservice International d/b/a First Data Independent Sales is a registered ISO/MSP for Wells Fargo Bank, N.A.,
Walnut Creek, CA, an FDIC-insured bank. American Express requires separate approval.

2. Our Guiding Principles
• Our Guiding Principles: The values that shape our behavior
•
1. Build Trust and Credibility 7. Set Metrics and Report Results Accurately
• Do what you say and say what you do Balance the short and the long term
8. Promote Substance Over Form
• 2. Respect the Individual Focus on what is important and not what is convenient
• Treat each other with dignity and integrity
9. Be Loyal
• 3. Create a Culture of Open and Honest Communications To your families, your company and yourself
• Everyone should feel comfortable speaking his or her mind
10. Do the Right Thing
• Because it’s the right thing to do
4. Set Tone at the Top
• Management leads by example
•
5. Uphold the Law
• Put the law of the land on a pedestal
•
6. Avoid Conflicts of Interest
• Carefully and consciously manage various stakeholder interests
•
Copyright 2008, First Data Corporation. All Rights Reserved.

3. Profile
• Founded in August 1988, Corporate headquarters in Moorpark, CA
• A wholly owned subsidiary of First Data Corporation
• FDIS offers one of the highest approval ratings in the industry
• Serves its customers 24 hours a day, 7 days a week, in more than 140 languages
and dialects
• One of the largest credit card fraud, loss prevention and chargeback departments
in the industry
Copyright 2008, First Data Corporation. All Rights Reserved.

4. Our Parent Company
Vision
To seamlessly enable virtually every type of electronic transaction anywhere in the
world, anytime — reliably and securely on behalf of our clients and their customers.
• A Fortune 300 Private corporation and the leader in electronic commerce and payment
services
• Serves over 5 million merchant locations
• State-of-the-art processing facilities in Hagerstown, MD, Omaha, NE, and Nashville, TN
• Process 2 out of every 3 credit card transactions worldwide
• Employees worldwide
• Provide credit, debit, smart card and stored-value card issuing and merchant transaction
processing services throughout the United States, and other countries
• First Data powered more than 25 billion domestic merchant transactions in 2006 and enables
approximately 3.5 million domestic merchant locations to securely accept electronic
payments
Copyright 2008, First Data Corporation. All Rights Reserved.

5. Statistics
• FDIS has:
– $13.7 billion in annual credit card volume
– Over 150,000 merchant locations
– 55,000 e-commerce businesses
– 188 million annual debit/credit transactions
– 14 regional sales offices throughout the United States
– Over 350 Independent Agent Offices throughout the United States
Copyright 2008, First Data Corporation. All Rights Reserved.

6. Products & Services
• Payment Processing Services:
– Credit and Debit card processing
– Check solutions
– Gift and loyalty programs
– End-user hardware sales
– Value-added services, such as the Merchant Club
– Internet e-commerce processing through the LinkPoint® Secure Payment Gateway
Copyright 2008, First Data Corporation. All Rights Reserved.

7. Online Application Tools
Online Application (OLA)/Headstart Application:
• One of the best boarding tools for internet accounts in the industry
• OLA’s can be posted on partner websites
• Upon completion the merchant clicks “I agree” icon
– Application is sent electronically to Risk department for approval or decline
Headstart Application:
• Agent enters merchant information and forwards to the merchant for review and approval
• Merchant reviews and clicks “I agree” icon
– Application is sent electronically to Risk department for approval or decline
Real Time Online Application (ROLA):
• 75% of ROLA applications are generally approved within 24-48 hrs.
• No signature required
• No site surveys
• Merchant clicks “I agree” icon
– Application is sent electronically to Risk department for approval or decline
• Accepts various types of businesses
– Retail, new, internet, in-home, high risk
Copyright 2008, First Data Corporation. All Rights Reserved.

8. Exclusive C-Store Pricing
• Swiped 1.69% discount rate and $0.10 transaction fee
– Mid-qualified = qualified discount rate plus 0.69% + $0.00
– Non-qualified = qualified discount rate plus 1.50% + $0.00
Pin- Debit 0.00% discount rate and $0.20 transaction fee (Debit Network fee applies, P.E.D.
equipment required as well)
Batch fees $0.10 AVS (per inquire) $0.05
Settlement $0.10 Voice Auth $0.75
Chargeback $30.00
Monthly fees Optional Services Fees
Monthly Customer Service$5.75 Telecheck ECA $5.00
Monthly PCI DSS $6.25 EBT Transactions $0.10
Statement Fee (online) $0.00 Voyager 3..50% + .15
Monthly Min. $0.00 Wright Express 3.40% + .09
Debit Card Monthly Fee $5.00
Copyright 2008, First Data Corporation. All Rights Reserved.

9. MyMerchantOffice.com (MMO)
• www.mymerchantoffice.com – Mymerchantoffice®.com is a merchant dedicated
website offered to merchants at no additional cost anywhere, anytime. This exclusive
website allows merchants to access the following detailed account information:
– Account information online, 24 hours a day, 7 days a week
– Gross and net deposits, online merchant statements and transaction qualifications
– Retrieval, chargeback data and online reference material
– Account Profiles
– Prompt answers to questions submitted via MAO (e-mail)
Copyright 2008, First Data Corporation. All Rights Reserved.

10. Summary: The Opportunity
– Strength of First Data Independent Sales
– A full-service merchant processing program that is competitive
– Specializing in small and medium-sized businesses in both traditional and Internet
environments
– High approval rates for many industries
– Real time online application – No signature required
Copyright 2008, First Data Corporation. All Rights Reserved.

11. Contact Information
Contact Name: Josh Willis
Office Telephone: (480) 970-5558
email Address: josh@firstdataisp.com
website: www.firstdataisp.com
Copyright 2008, First Data Corporation. All Rights Reserved.