Dynamic Currency Conversion Product Overview

Dynamic Currency Conversion Allows U.S. merchants to offer international Visa and MasterCard cardholders the option to pay in their home currency Conversion is done at a competitive exchange rate at the POS Receipt reflects: Sale amount in USD Conversion rate Conversion mark up rate and percent Home currency equivalent Cardholder’s credit card is billed in exactly the amount that appears on the receipt Without DCC when a transaction is processed the issuing bank receives the profit from the currency exchange With DCC the merchant shares in the profit from the currency exchange

Currency Conversion Comparison ACTUAL POS RECEIPT STATEMENT FEE $$$ Issuer 1 US Dollar = 0.854199 Euro ISSUER CONVERSION 88.66 (Includes Conversion fee) Keeps Conversion Fee ELAVON DCC 1 US Dollar = 0.854199 Euro Includes Conversion Fee 88.66 Shares % with Merchant/Partners

Convertible Currencies Five Currencies covering over 20 countries Australian dollar (AUD) British pound (GBP) Canadian dollar (CAD) Euro (EUR) Japanese yen (JPY)

Elavon’s DCC Offering Annual Registration Fee Merchant Rebate Option DCC Annual Registration Fee Buy Rate No monthly fees No transaction fees Merchant Rebate Option Rebate for every qualified foreign transaction Rebate reflected on monthly statement Only end-to-end closed-loop network offering in the U.S. From direct treasury exchange rates to front-end authorization and data capture to back-end reconcilement, settlement, and funding Process is seamless to merchants - one statement, one point of contact Need to know if we put any info on the msp buy rate of $20

DCC Value Proposition Consumer Merchants Instant conversion to prices they can easily understand Very competitive exchange rates No shocks when credit card bill is received know exactly how much was spent in home currency Merchants New source of revenue Elavon will rebate a percentage of the foreign exchange conversion back to the merchant Fewer Chargebacks – since the Cardholder is not disputing an amount that they don’t recognize

Qualifying Environments Supported Retail Restaurant Mail / Telephone Order e-Commerce Not Supported Cash Advance Direct Marketing MCC’s

Prohibited MCC’s for DCC 5960 Direct Marketing - Insurance Services 5962 Direct Marketing - Travel 5963 Door-To-Door Sales 5964 Direct Marketing - Catalog Merchant 5965 Direct Marketing - Combination Catalog and Retail Merchant 5966 Direct Marketing - Outbound Tele 5967 Direct Marketing - Inbound Tele 5968 Direct Marketing - Subscription 5969 Direct Marketing - Other

DCC Requirements Merchant must Auth and Settle same day – no delayed delivery Merchant must disclose the following either via receipt, online or verbally The USD amount Conversion rate Home currency amount Mark-up amount and conversion fee percentage “OPT IN” approval required – Cardholder must agree to conversion Customer must check “I accept” box

DCC Transaction Receipt “I accept” Check box Amount in Cardholder’s Currency Amount in Merchant’s Currency Mark-up or Conversion Fee Exchange Rate Customer check the “I accept” box and sign the receipt, indicating that they want the transaction converted to their home currency. Signature

VirtualMerchant e-Commerce Disclosure and “Opt In”

Merchant Statement with Rebate

DCC Point-of-Sale Products VeriFone – Omni & Vx Omni 3730LE & 3750 Vx510LE, 510, 570 & 610 Hypercom - Optimum T4100, T4205, T4210, T4220, T4230 & M4230 VirtualMerchant Virtual terminal Buy Button for e-commerce InternetSecure

Selling DCC: Uncovering Opportunities

Top Opportunity Merchant Types Membership Organizations Educational Institutions (colleges, universities, trade schools) Lodging Travel and Tour operators Retail Automotive Parts & Accessories Retail Specialty Stores not elsewhere classified Sporting Goods Stores Jewelry Stores Electronic Stores Furniture Stores Medical & Health Services

The Greatest Opportunity New York Las Vegas San Francisco Boston Miami Los Angeles Honolulu Washington DC Orlando Represent over 90% of international tourists

“Think Like a Tourist” Factor Theme parks Hotels Tour operators Museums Art Galleries Ski resorts Golf resorts Restaurants

Boarding Instructions

New Merchant Enrollment – Paper Application This slide will need to be re-done when the updated PDF is completed Enter Rebate amount to Merchant if applicable Enter Annual Fee amount to Merchant if applicable

New Merchant Enrollment – MSP FAST - Step 1 On the Programming Instructions Tab, check the DCC Setup and click to open the dialogue box

New Merchant Enrollment – MSP FAST - Step 2 Select the DCC Annual Registration Fee option on the dropdown menu, input all required fields and save the fee On the “Schedule Of Fees” tab open the “FEE” section

Questions?