1. TM

2. Our Partners USDA – Food & Nutrition Service USDA – Food & Nutrition Service National Association of Farmers Market Nutrition Programs (NAFMNP) National Association of Farmers Market Nutrition Programs (NAFMNP) The NOVO DIA Group, Mobile Market+ TM The NOVO DIA Group, Mobile Market+ TM WorldPay TM WorldPay TM

3. What Is MarketLink TM ? What Is MarketLink TM ? MarketLink TM is a Complete Technology Solution. MarketLink TM is a Complete Technology Solution. MarketLink TM provides new state-of-the-art equipment to direct-marketing farmers and farmers markets to increase sales and build customer base. MarketLink TM provides new state-of-the-art equipment to direct-marketing farmers and farmers markets to increase sales and build customer base. MarketLink TM is a national program with a solution for ALL farmers and farmers markets ! MarketLink TM is a national program with a solution for ALL farmers and farmers markets !

4. Eligible for FREE terminal New iPhone, card reader, and printer with one-year warranty to process ALL SNAP, Debit, and Credit Card Transactions, wherever you sell. Unlimited Mobile Market +TM data services for 2 years. No annual fee for Merchant processing account with WorldPay TM the first year. World-Class Technical Support from day one! Not eligible - need terminal & service Purchase terminal(s) and card reader(s) and get the processing plan Not eligible - need service Sign up for the processing plan if you have a compatible terminal already MarketLink TM Options TMTM

5. Why MarketLink TM ? Expanded customer base Expanded customer base Less than 40% overlap of FMNP and SNAP clients; so 60% of SNAP participants are new customers ! Less than 40% overlap of FMNP and SNAP clients; so 60% of SNAP participants are new customers ! Increased sales Increased sales Largest reason why purchases are limited at markets is people run out of cash. Largest reason why purchases are limited at markets is people run out of cash. Best rates for processing electronic payments Best rates for processing electronic payments 48 hour payment settlement for all transactions 48 hour payment settlement for all transactions Nationally negotiated rate on behalf of farmers and markets Nationally negotiated rate on behalf of farmers and markets

6. SNAP Facts Supplemental Nutrition Assistance Program Who is eligible: any person who qualifies based on income and household factors Who is eligible: any person who qualifies based on income and household factors 46 million Americans (13%) received SNAP in FY12 46 million Americans (13%) received SNAP in FY12 Eligible foods: All fruits and vegetables; meats, fish, and poultry; cheese and dairy products; eggs; baked goods; processed foods; honey, cider, juices; herbs (plants and bunched); plants & seeds that bear fruit Eligible foods: All fruits and vegetables; meats, fish, and poultry; cheese and dairy products; eggs; baked goods; processed foods; honey, cider, juices; herbs (plants and bunched); plants & seeds that bear fruit Ineligible foods: Non-food products, wine and alcohol products, hot foods, foods meant to be eaten on-site Ineligible foods: Non-food products, wine and alcohol products, hot foods, foods meant to be eaten on-site

7. Why Accept SNAP? $86.5 billion program nationwide $86.5 billion program nationwide $16m through FMs last year (less than 2/10%) $16m through FMs last year (less than 2/10%) Program expands number of customers AND products ( beyond fruits & vegetables ). Program expands number of customers AND products ( beyond fruits & vegetables ).

8. FMNP & SNAP: Complementary Programs SNAP participants can use their benefits for fruits and vegetables PLUS other foods. SNAP participants can use their benefits for fruits and vegetables PLUS other foods. By using FMNP and SNAP together, a market shopper can buy foods from all of the food groups. By using FMNP and SNAP together, a market shopper can buy foods from all of the food groups. FMNP + SNAP = more sales for farmers. FMNP + SNAP = more sales for farmers. FMNP and SNAP are programs with similar goals – to expand access to food. With the addition of SNAP at your market or stall, you can help more customers access more food beyond fruits and vegetables.

9. Grow Sales with Electronic Payments Community Merchants USA, reported in Forbes Magazine that only 27% of sales today are completed in cash. Community Merchants USA, reported in Forbes Magazine that only 27% of sales today are completed in cash. Cash sales are estimated to drop to less than 23% in the next four years. Cash sales are estimated to drop to less than 23% in the next four years. In Washington State Research – only 6% transactions were in cash! In Washington State Research – only 6% transactions were in cash!

10. The Bottom Line This program is a great opportunity for you to try accepting electronic payments without investing your own money for equipment.

11. This is Your Opportunity This is your opportunity to see how accepting SNAP, credit & debit grows your bottom line! This is your opportunity to see how accepting SNAP, credit & debit grows your bottom line! No other program exists today to give direct-marketing farmers or farmers markets: No other program exists today to give direct-marketing farmers or farmers markets: New, state-of-the-art technology, New, state-of-the-art technology, A free payment processing account for SNAP, debit, and credit cards for one year, A free payment processing account for SNAP, debit, and credit cards for one year, Significantly lower transaction fees, and only pay the per transaction fees!, and Significantly lower transaction fees, and only pay the per transaction fees!, and Not spend a penny for the equipment or the data plan for two years! Not spend a penny for the equipment or the data plan for two years! MarketLink TM is your best opportunity to sell your products the way most consumers want to pay for them! MarketLink TM is your best opportunity to sell your products the way most consumers want to pay for them!

12. Support from Market Link TM Technical support from initial sign-up through USDA SNAP-authorization from the MarketLink TM Team! Technical support from initial sign-up through USDA SNAP-authorization from the MarketLink TM Team! Tailored setup assistance of your iPhone and the application that processes all transactions – Mobile Market+ TM Tailored setup assistance of your iPhone and the application that processes all transactions – Mobile Market+ TM Technical Support Help Desk available Technical Support Help Desk available Commitment from MarketLink’s TM own Customer Support Team— people who understand direct- marketing farmers and farmers markets ! Commitment from MarketLink’s TM own Customer Support Team— people who understand direct- marketing farmers and farmers markets !

14. USDA Funding This is a program for direct- marketing farmers and farmers markets that are not currently SNAP-authorized.

15. Eligibility Free Terminal Program Direct marketing farmer Direct marketing farmer Participating in at least one market that is not already SNAP authorized Participating in at least one market that is not already SNAP authorizedOR Farmers market not currently accepting SNAP Farmers market not currently accepting SNAP Eligible for Support from NYS program: Direct marketing farmer Farmers Market CSA Mobile Market

16. Free Terminal Program: Fees & Commitments Year 1Year 2Year 3 iPhone with card reader $0 Wireless data service (2 years) $0 From $30/month* Annual fee for payment processing (1 year) $0$120 License Fee for MobileMarket+ application $0 $100 Transaction fees SNAP: 15 cents per transaction Credit & debit: 1.79% of sale plus 15 cents Total $0$120$220 *This varies by provider (Verizon, AT&T, TMobile, etc.)

17. NYS Program adds on: Training Training Promotional materials Promotional materials Signage Signage Tokens Tokens Fee reimbursement: Fee reimbursement: Transaction fees ((SNAP only) Transaction fees ((SNAP only) Annual processing fee Annual processing fee Annual licensing fee Annual licensing fee

18. Market Link TM Signup First, you must have a working email address and a bank account. First, you must have a working email address and a bank account. Email is the primary method for communication. Email is the primary method for communication. Your bank account is how you receive payments. Your bank account is how you receive payments. Complete the on-line NAFMNP Eligibility Questionnaire: Complete the on-line NAFMNP Eligibility Questionnaire: Your answers will determine your eligibility to qualify for the free terminal program. Your answers will determine your eligibility to qualify for the free terminal program. Submit your USDA application to become SNAP-authorized. Submit your USDA application to become SNAP-authorized. Submit copies of photo ID and Social Security card. Submit copies of photo ID and Social Security card. Complete the payment processor application. Complete the payment processor application. Setup terminal once it arrives. Setup terminal once it arrives. Our expedited process through USDA means that you have the best opportunity to be up and running in a month or less!

19. Terminal Set-Up Once approved by USDA and after you have completed WorldPay TM Merchant Agreement, you will receive your new iPhone from MobileMarket+ TM. Once approved by USDA and after you have completed WorldPay TM Merchant Agreement, you will receive your new iPhone from MobileMarket+ TM. Unpack and charge your iPhone. Unpack and charge your iPhone. Use the QuickStart Guide to prepare to accept transactions or contact MarketLink TM Customer Support Desk for Training and Orientation. Use the QuickStart Guide to prepare to accept transactions or contact MarketLink TM Customer Support Desk for Training and Orientation.

20. Using Your Terminal Use it at the farmers markets where you sell. Use it at the farmers markets where you sell. Use it at your farm stand, PYO, or anywhere you sell. Use it at your farm stand, PYO, or anywhere you sell. Your terminal is easy to use and your Quick Start Guide will show you step-by-step how to complete a sale. Your terminal is easy to use and your Quick Start Guide will show you step-by-step how to complete a sale. You will print a receipt for all of your electronic payments. You will print a receipt for all of your electronic payments. Each transaction sends to WorldPay TM. Your payments are processed and deposited to your bank account within 48 hours. Each transaction sends to WorldPay TM. Your payments are processed and deposited to your bank account within 48 hours.

21. Your responsibilities Maintain adequate funds in your checking account to cover fees Maintain adequate funds in your checking account to cover fees Reconcile your account monthly Reconcile your account monthly Farmers market mandatory training via webinar Farmers market mandatory training via webinar Farmers must accept payment ONLY on SNAP eligible products Farmers must accept payment ONLY on SNAP eligible products Treat SNAP customers with dignity and respect Treat SNAP customers with dignity and respect Be prepared to accept SNAP payments throughout the market hours, each market day Be prepared to accept SNAP payments throughout the market hours, each market day

22. SNAP Eligible Products All fruits and vegetables All fruits and vegetables Meats, fish and poultry Meats, fish and poultry Cheese and all dairy products Cheese and all dairy products Eggs Eggs Baked goods Baked goods Processed foods Processed foods Maple/honey/cider/juices Maple/honey/cider/juices Herbs – plants and bunched Herbs – plants and bunched Plants and seeds that bear food Plants and seeds that bear food Ineligible Products: Non food productsNon food products Wine & alcohol productsWine & alcohol products Hot foodsHot foods Foods meant to be eaten on siteFoods meant to be eaten on site

23. Data Available to You Ability to retrieve a transaction Ability to retrieve a transaction Weekly, monthly, annual sales data Weekly, monthly, annual sales data Great tool to track all of your electronic sales Great tool to track all of your electronic sales

24. Promotion Banners Banners Signage Signage Media kit Media kit Snaptomarket.com Snaptomarket.com Nylocalfood.com Nylocalfood.com

25. 6050W Rule Must provide FIS with a Taxpayer ID Number Must provide FIS with a Taxpayer ID Number FIS must issue 1099K for total sales data with copy to IRS and to merchant FIS must issue 1099K for total sales data with copy to IRS and to merchant 1099’s to farmers – Except: 1099’s to farmers – Except: not required if total # of farmers is less than 50 not required if total # of farmers is less than 50 Not required if total number of reimbursements per farmer is less than 200 and total reimbursement per farmer does not exceed $20,000 Not required if total number of reimbursements per farmer is less than 200 and total reimbursement per farmer does not exceed $20,000 If a nonprofit: report on 990 with offsetting expenses If a nonprofit: report on 990 with offsetting expenses Unredeemed tokens are maintained as an accounts payable Unredeemed tokens are maintained as an accounts payable If under a personal SSN: report on Schedule C-EZ If under a personal SSN: report on Schedule C-EZ Show income with offsetting expenses Show income with offsetting expenses Seek advice of your own tax accountant/attorney Seek advice of your own tax accountant/attorney

26. Program Advantages Free state-of-the-art technology Free state-of-the-art technology Expedited approval Expedited approval The best overall value The best overall value Unmatched support from a partner team that understands direct-marketing farmers and farmers market s and who want you to succeed ! Unmatched support from a partner team that understands direct-marketing farmers and farmers market s and who want you to succeed !

27. Contact the team at: Contact the team at: Phone: 443-212-8084 Phone: 443-212-8084 Email: info@marketlink.org Email: info@marketlink.orginfo@marketlink.org Paul Darby, paul.darby@marketlink.org Paul Darby, paul.darby@marketlink.orgpaul.darby@marketlink.org Amy Crone, amy.crone@marketlink.org Amy Crone, amy.crone@marketlink.orgamy.crone@marketlink.org www.marketlink.org

28. You can still contact us! The Farmers Market Federation of NY still provides SNAP assistance to all farmers and markets in NYS! deggert@nyfarmersmarket.com 315-637-4690

29. Next Steps Applications: Applications: USDA FNS SNAP certification USDA FNS SNAP certification WorldPay third party processor WorldPay third party processor Your Options: Your Options: Do now through the work stations set up Do now through the work stations set up Use http://www.nafmnp.org/marketlink on your own. Use http://www.nafmnp.org/marketlink on your own.http://www.nafmnp.org/marketlink

30. Questions?