New Jersey Gasoline C-Store Automotive Association MPX Partner Program

Agenda What is “EMV”? Benefits of EMV Compliance Non-Compliance Merchant ProExpress NJGCA Program

What is EMV? EMV technology has become the global standard for credit card and debit card payments. Credit cards are now equipped with computer chip technology for authentication US card issuers are migrating to this technology to protect consumers and reduce the costs of fraud

WHY EMV? Benefits Upgrading to EMV-enabled equipment will: Decrease the possibility of counterfeit card fraud Protect you and your business from being responsible for counterfeit card fraud occurrences Satisfy customers who want to use their EMV cards

Deadline for Compliance Inside Sales (C-Stores, Repairs) – October 1, 2015 Pump Dispensers – October 1, 2017

Obstacles Availability of Equipment 15 million point of sale terminals will have to be upgraded to accept chip cards in the US Costs $6.75 billion estimated cost to replace/upgrade POS terminals

If you choose not to get EMV- enabled equipment and the card in question is EMV-enabled, the EMV liability shift will move the accountability away from issuing banks and onto you, the business owner All sales are subject to chargeback when EMV cards are used on non-upgraded credit card systems Non-Compliance & Merchant Liability

Honesty and Integrity are Our Foundation! Meet MPX… MPX specializes in delivering customized programs to perfectly fit NJGCA Member’s specific needs. Our approach to serving your customers can be as involved as you want it to be. Our strategy is to allow our NJGCA Member to shape the look and feel of its local merchant services program so that each customer touch from MPX feels as though it is from NJGCA Member itself. We bring years of merchant services experience and familiarity with the communities in which our bank partners conduct business. MPX was formed by First Data executives who wanted to offer a better way of delivering merchant services to bank partners who are looking to add value to their business clients. We bring all of the breadth and depth of services that larger processors offer their bank partners, while delivering exemplary service customarily attributed to smaller community banks. Honesty and Integrity are Our Foundation!

MerchantPro Express Overview Industries Served Restaurant / QSR Petroleum / C-Store Staffing Supermarket Emerging Retail Hospitality Small Biz Other MPX enables merchant locations to securely perform electronic payments -Integrated credit, debit, and check processing solutions Offers customized revenue- generating and loyalty solutions PIN-secured debit acceptance at 2 million ATM and retail locations

Summary of Processing Services A Strategic Relationship with MPX provides… Best in Class Processing Services Secure, easy-to-use Processing Interfaces Provides best in class service and pricing along with the broadest range of secure processing solutions in the electronic payments industry Easy-to-use solutions for payment processing consolidating payment acceptance across all stations / entities to a standardized process Compliance to Association Rules Streamlined Payment Processes Enhanced Customer Satisfaction and Loyalty Implementation of services allows customers to adhere to Visa and MasterCard rules for payment processing Access to new electronic payment channels can eliminate paper and streamline existing manual processes Access to more payment types provides enhanced customer service and uses payments as a sales and marketing tool MPX’s processing services provides (Enter Bank Name) revenue sharing through secure, streamlined, and compliant processes almost immediately without relying on internal resources (ie: IT) for program modifications

Summary of Processing Services A Strategic Relationship with MPX provides… Comprehensive, Web-based Reporting Dedicated Account Management Easy-to-use web-based management tools to report and reconcile transaction activity Provides relationship management services for both day-to-day and strategic account management support Innovative Solutions and New Services Access to Technology Solutions Dedicated Implementation Services Access to numerous technology offerings and web-based tools; complimenting current Partner initiatives Will allow Partners to stay responsive to changing consumer needs and leverage new technologies Professional implementation service team coordinates all required activities; managing implementation and training effort MPX’s account management and reporting keeps (Enter Bank Name) informed related to Card Association rules and new technology; providing a focus on smart financial management of payments with a bias toward cost reduction.

Reasons to Partner with MPX / NJGCA Full service processing of all major cards in addition to Fleet acceptance Complete integration of EMV / Chip Technology Compliance Direct “Pay at Pump” interface Next Day funding Special pricing for NJGCA members Full service on set up and continued support Industry specific experience with client centered focus

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