Why Accept Credit Cards? Why Integrate Credit Card Processing? Card Payment Process Card Settlement Process Where PPI Fits In How PPI Helps You About PPI The Company We Keep

1. Credit Cards 101 Payment Processing, Inc. is a registered ISO/MSP of HSBC Bank USA, National Association, Buffalo NY, First National Bank of Omaha, Omaha, NE and a sponsored Independent Sales Organization of JP Morgan Chase. ©2005 Payment Processing, Inc. All Rights Reserved.

2. Overview Why Accept Credit Cards? Why Integrate Credit Card Processing? Card Payment Process Card Settlement Process Where PPI Fits In How PPI Helps You About PPI The Company We Keep Closing and Contact

3. Why Accept Credit Cards? Customer Satisfaction and Retention Increased Sales / Retention Larger Sales Improved Efficiency with Paperless Payments Improved Cash Flow –Secure Form of Guaranteed Payment Speed of Checkout Competitive Edge Internet Strategy

4. Why Integrate Credit Card Processing? Speed of Checkout and Processing Times Less Counter Equipment Accounting / Inventory Efficacy Consolidates Cash, Checks and Credit Card Transactionsfor Better Accounting / Inventory Management Maximizes Your Investment in Your POS

6. Paymentech

7. Vital

9. PayMover

10. VeriSign

11. ICVerify

12. Authorize.netPDA

14. Has a Contract with the Merchant

15. Requests Authentication and Authorization

16. Pays the Merchant

17. Reimbursed by Association

19. Has a Contract with the Consumer

20. Issues Authentication and Authorization

21. Pays the Association

22. Reimbursed by Cardholder

23. Bills Fees to CardholderCard Payment Process Authorization Process Takes 3-15 Seconds

24. Card Settlement Process Wednesday Monday Tuesday Wednesday Monday Tuesday Thursday Tuesday Wednesday Wednesday Monday Tuesday Thursday Tuesday Wednesday Friday Wednesday Thursday Processor $ $ $ Merchant Account 1 FRB 1 FRB 2 FRB 3 Merchant Account 2 Cardholder Accounts Merchant Account 3 Merchant Post Batch Closed by Processor “Sweep” & FRB Post

25. Where PPI Fits In Trusted Technology Partner Development Level Support Middleware Integration Configuration Testing On-Going End-User Support Magstripe Reader, Middleware, Connectivity Merchant Account Provisioning Credit / Debit / EBT Merchant Accounts ACH Check Processing Accounts Gift & Loyalty Programs Middleware Provisioning

26. How PPI Helps You Get the Lowest Rates Terminals Address Verification Card Swiping vs. Hand Keying Transactions Avoid Duplicate Transactions Analyze Statements Decide on the Best Solution Fat Client vs. Thin Client Implementation Solve Support Struggles –Hardware, Software, POS, Bank PPI Partners with You to Help You Get the Best Ratesand Support

27. About PPI Since 1995… Pioneer and Leader in PC-Based Transaction Processing Helped Over 500 Software Developers and 10,000 Merchants Implement Integrated Payment Processing A Technology Company Development Level & On-Going Support for Transaction Processing Top 5 Independent Processors

28. The Company We Keep

29. Thank You! http://www.paypros.com 800-774-6462