1. New Jersey Gasoline C-Store Automotive Association
MPX Partner Program

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

3. 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

4. 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

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

6. 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

7. 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

8. 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!

9. 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

10. 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

11. 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.

12. 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

13. Thank You