1. © 2011 North American Bancard, LLC

2. Founded in 1992, North American Bancard, LLC (North American Bancard or NAB) has spent the last two decades serving the electronic payment processing needs of American businesses with unwavering dedication. North American Bancard offers a full suite of solutions. A leader in credit card processing, North American Bancard is pleased to offer additional products and services, such as electronic check services, gift card and loyalty programs, ATM services, and merchant cash advances. No matter your size or industry, North American Bancard provides comprehensive and complete electronic card processing solutions designed with your prosperity in mind. Who is North American Bancard?

3. © 2011 North American Bancard, LLC In 2009, $1.843 TRILLION worth of purchases were made on Visa, MasterCard, and Discover cards…how much of that went to your business? There are 576.4 million credit cards held by American consumer. If you’re not accepting cards, you could be losing out on a lot of business As of 2009, the average cash transaction was only $32, compared to $75 for credit cards Increased security and customer protection Keep your customers moving – credit card transactions are very fast Reduce register and cash change errors Customer convenience and payment options Why Credit Cards? Data from The Nilson Report, February 2010 Issue 943, and December 2010 Issue 962

4. © 2011 North American Bancard, LLC Give them the options to pay with: Credit Cards – Visa, MasterCard, Discover, American Express, Diners Club, and JCB PIN Debit and EBT Cards Fleet: Voyager, Wright Express, Fuel Man, etc Contactless Payments, like MasterCard PayPass Gift and Loyalty Cards Checks The bottom line is this: Your customers want payment flexibility.

5. © 2011 North American Bancard, LLC Stability, Innovation, and Dedication matter when choosing a payment processing partner. That’s why North American Bancard, LLC is committed to excelling in all three areas. We’re proud of our two-decade commitment to customer success and to helping American business prosper. Why North American Bancard?

6. © 2011 North American Bancard, LLC North American Bancard, LLC recently moved their corporate headquarters to a 105,000 square foot building in Troy, MI to support record growth. While many companies are downsizing and reducing staff, North American Bancard continues to grow, now with over 400 employees. In the years that come, that number is projected to hit 1,200. That means more jobs for the local economy as well as more staff to support businesses across the U.S. In addition to organic growth and expansion, numerous strategic acquisitions have positioned North American Bancard to provide the newest and most creative solutions at the most cost-effective prices. No where is this more evident than in the more than $10 billion NAB processes annually for their 110,000+ merchants. Stability

7. © 2011 North American Bancard, LLC Staying power – partner with a company that is in this industry for the long haul Responsive solutions – the new headquarters allow NAB to expand service and customer care operations to exceed the standard they’ve set The personnel growth has fueled decreased wait times and faster turn-around – because your business shouldn’t wait on your processor You can get a superior product at a more cost-effective price because of NAB’s strategic acquisitions What North American Bancard’s Stability Means for YOU

8. © 2011 North American Bancard, LLC North American Bancard, LLC has long been regarded as a leader in product and program innovation. NAB’s Free Terminal Program was one of the first in the industry, and while critics dismissed it with no long term viability, North American Bancard forged ahead. And now, free terminals are practically the industry standard. And NAB stood strong and now proudly boasts the best free terminal program in the industry. Instead of waiting for someone else to create and promote a payment processing device for smartphones, North American Bancard worked with industry experts to craft, produce, and market an in-house, NAB-exclusive product that has impressed even the most cynical skeptics. The result of that innovation is Phone Swipe. Innovation

9. © 2011 North American Bancard, LLC Point of Sale Device – get the state-of-the-art equipment for free or at a fraction of the price of other retailers. NAB’s innovation in product acquiring has resulted in unmatched savings that are passed to their merchants Compliance – NAB has invested substantial resources in achieving and maintaining a compliant environment for their merchant’s security. The innovation has been passed to their merchants through compliance assistance and education Industry-Best Savings – NAB’s creative business practices have made them an industry powerhouse, able to pass on savings to you, while maintaining an ethical organization, which is of the utmost importance to North American Bancard. What North American Bancard’s Innovation Means for YOU

10. © 2011 North American Bancard, LLC North American Bancard, LLC has built a reputation for providing dedicated, around-the-clock service to their merchant partners, as evidenced by their A+ Better Business Bureau rating. Every aspect of service is completed in-house, including Customer Service and Technical Support. Unlike many organizations in this industry, North American Bancard does not outsource any service functions or use any overseas call centers. Because everyone is under one roof, you don’t have to worry about things not getting done; everyone is in this together, working hard every day to provide you the service to help you prosper. And if you’re up late, that’s no problem, because North American Bancard is too. Open until the wee hours of the morning, you can be sure someone is standing by to assist you. No matter what time you need them, NAB is there. Dedication

11. © 2011 North American Bancard, LLC Reliability – you know that when you call NAB, you will be talking to a live, U.S.-based representative Knowledgeable Representatives – NAB hires highly trained people to assist you. One of the job requirements is at least 1 year experience in a call center, so you can be sure you’re getting the best service available Centralized problem solving – NAB employees work at the corporate location, so any issues are worked right here, right now. What North American Bancard’s Dedication Means for YOU

12. © 2011 North American Bancard, LLC With numerous alternative payment solutions, NAB gets you everything you need to satisfy even the most discerning customer. You need a merchant services provider who can see beyond the credit card to the other ways to build your business.

13. © 2011 North American Bancard, LLC Build Your Brand with Valutec Gift and Loyalty Card Programs A well-executed gift card and loyalty card program can give you the extra boost you want. And because it’s from North American Bancard, you know you’re getting an industry-best product at an industry-low price. Gift and Loyalty Card Programs can: Build brand loyalty Increase per-transaction spending Practically guarantee repeat customer visits

14. © 2011 North American Bancard, LLC With Electronic Check Services from North American Bancard, you’ll: Never be out the money for bad checks Accept checks like credit cards Receive your money in just 2 days Increase security for you and your customers You don’t have to be afraid to take a personal check anymore.

15. © 2011 North American Bancard, LLC An ATM could make sense in your business: Purchase or lease the best terminal fit for your business Get installation and maintenance by trained professionals Use your own funds or Money Machine’s vault services to keep the cash flowing Online reporting Increase per transaction spending and the number of customers by positioning an ATM in your business Some customers want to pay with cash…and with an ATM from Money Machine, you can make some too

16. © 2011 North American Bancard, LLC Get the cash you need to grow; get a Capital for Merchants Advance. Unlike a loan, An advance purchases your future credit card sales up front There’s no collateral You don’t need to bend over backwards for the bank You don’t need to worry about making a payment – the advance is repaid right out of your credit card sales Use the money for whatever you need – inventory, remodeling, to open a new location, or for just about anything else Need some cash? No problem, you’ve got North American Bancard in your corner

17. © 2011 North American Bancard, LLC Market-specific solutions Exclusive benefits programs POS devices, software and gateways North American Bancard has what you need to build your business up…without shaking you down

18. © 2011 North American Bancard, LLC Accept all major credit cards, debit cards, gift cards, and checks with confidence FREE equipment programs featuring state-of-the-art VeriFone and Hypercom terminals FREE PIN pads for debit FREE check imagers for electronic check services Multiple connectivity options Customized reporting One-key reauthorizations Traditional Retail Storefront

19. © 2011 North American Bancard, LLC FREE equipment programs featuring state-of-the-art MICROS Point of Sale solutions or countertop terminals Separate bills among multiple credit cards Multiple connectivity options Accept all major credit cards, gift cards and checks with confidence Add tips with ease Create a tab and combine it with the dinner bill for added convenience Restaurant

20. © 2011 North American Bancard, LLC FREE Vx570 or Vx510, plus FREE PIN pad, or FREE Datawire MicroNode Reprogram existing pay-at-pump setup Accept Fleet cards, credit cards, debit cards, gift cards, and checks with confidence Process transactions quickly and efficiently Issue customer credits instantly Void transactions safely and thoroughly View transactions online Petroleum/ Convenience

21. © 2011 North American Bancard, LLC Accept all major credit cards, debit cards, gift cards, checks and EBT Process transactions quickly and efficiently Issue customer credits instantly Void transactions safely and thoroughly View transactions online FREE Vx510, plus FREE PIN pad and check imager Supermarket/ Grocery

22. © 2011 North American Bancard, LLC FREE VeriFone Vx510 or Hypercom terminals, plus FREE PIN pads and check imagers Accept all major credit cards, debit cards, gift cards, and checks Process payments in real time Issue credits instantly Void transactions safely and thoroughly View transactions online Use a wireless terminal or Phone Swipe if you’re away from your location Add tips with ease Service Industries

23. © 2011 North American Bancard, LLC Accept all major credit cards, debit cards, gift cards, and checks Process transactions quickly and efficiently Issue credits instantly View transactions online Get a FREE Vx510, programmed especially for the hospitality industry Hospitality/ Hotel

24. © 2011 North American Bancard, LLC Get a FREE terminal or gateway to easily and efficiently accept all major credit cards, debit cards, and checks Get the specialized knowledge and programs for all your departments: ◦ Utilities ◦ Child Support/Child Welfare ◦ Public Assistance ◦ Tax and Revenue ◦ Healthcare and Home Health Agencies ◦ Labor and Employment ◦ Transportation Government Agencies

25. © 2011 North American Bancard, LLC FREE or FREE Hypercom M4230 Phone Swipe turns your smartphone into a credit card terminal – no need for a separate piece of equipment Accept credit and debit cards wherever your customers are Perfect for service industries, trade shows, flea markets, and delivery services Wireless - GPRS network – the most reliable data network in the country; Store and Forward in case of low coverage Wireless/ Mobile

26. © 2011 North American Bancard, LLC Accept all major credit cards and checks Process transactions, credits and voids quickly FREE PC Charge software – turn any computer into a credit card terminal Intuit QuickBooks Pro Plug-in – integrate your QuickBooks software to your credit card processing Reliable and stable Hypercom terminals for countertop applications Authorize.Net provides Internet-based processing Mail Order/ Telephone Order

27. © 2011 North American Bancard, LLC Accept Level II cards, set up recurring transactions, and process all major credit cards with Global Transport Virtual Terminal Use Authorize.Net to integrate with your website’s shopping cart – FREE! Get the industry’s easiest-to- integrate Internet gateway – Plug’n Pay Internet Internet

28. © 2011 North American Bancard, LLC In-depth reporting, graphing, and alert notifications so you can better understand your sales patterns and how to best manage your business! Free Supplies! Extended Terminal Warranty! Free Terminal Replace- ment! Exclusive Partner Discounts at major retail and service companies! Your Key to a Brighter Future The most robust merchant benefits program in the industry, exclusively brought to you by North American Bancard, LLC. Now you can get the same benefits as the “big boys” with a junior price!

29. © 2011 North American Bancard, LLC Partner with North American Bancard now and discover the difference we can make for you. Why spend another minute missing sales?

30. © 2011 North American Bancard, LLC Name Title Phone Fax Email Mobile Get Started Today!