1. Dynamic Currency Conversion Product Overview

2. 2 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

3. 3 Currency Conversion Comparison ISSUER CONVERSION ELAVON DCC ACTUAL POS RECEIPT STATEMENT FEE $$$ 88.66 (Includes Conversion fee) Shares % with Merchant/Partners 1 US Dollar = 0.854199 Euro 88.66 Keeps Conversion Fee Includes Conversion Fee

4. 4 Convertible Currencies  Five Currencies covering over 20 countries – Australian dollar (AUD) – British pound (GBP) – Canadian dollar (CAD) – Euro (EUR) – Japanese yen (JPY)

5. 5 Elavon’s DCC Offering  Annual Registration Fee – 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

6. 6 DCC Value Proposition  Consumer – 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

7. 7 Qualifying Environments Supported  Retail  Restaurant  Mail / Telephone Order  e-Commerce Not Supported  Cash Advance  Direct Marketing MCC’s

8. 8 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

9. 9 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

10. 10 “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. DCC Transaction Receipt Signature

11. 11 VirtualMerchant e-Commerce Disclosure and “Opt In”

12. Merchant Statement with Rebate

13. 13 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 – Buy Button for e-commerce

14. 14 Selling DCC: Uncovering Opportunities

15. 15 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

16. The Greatest Opportunity Represent over 90% of international tourists San Francisco New York Boston Las Vegas Miami Los AngelesHonoluluWashington DCOrlando

17. 17 “Think Like a Tourist” Factor  Theme parks  Hotels  Tour operators  Museums  Art Galleries  Ski resorts  Golf resorts  Restaurants

18. 18 Boarding Instructions

19. New Merchant Enrollment – Paper Application 19 Enter Rebate amount to Merchant if applicable Enter Annual Fee amount to Merchant if applicable

20. New Merchant Enrollment – MSP FAST - Step 1 20 On the Programming Instructions Tab, check the DCC Setup and click to open the dialogue box

21. New Merchant Enrollment – MSP FAST - Step 2 21 On the “Schedule Of Fees” tab open the “FEE” section Select the DCC Annual Registration Fee option on the dropdown menu, input all required fields and save the fee

22. 22 Questions?