1. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Recur} Happen again. Persist. Return. Come back. Reappear. Come again.

2. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Presents: Using MercuryFund (and PCI!) to build recurring revenue ™

3. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com What is MercuryFund™? A means to the end: recurring revenue One-stop billing: You set the terms, Mercury ® handles the billing Advance funding: Merchant repays a cash advance through daily credit card sales Lease referral service: You make the sale, receive the cash, and the merchant pays the leasing company

4. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com One-stop billing Remove cost barrier to sales Monthly fees easier to pay than one annual lump sum Retention

5. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Facilitate revenue for: Installation of equipment Merchant training Service/maintenance contract Software upgrade PCI compliance upgrade, network architecture, validation assistance

6. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Mercury’s one-stop billing services ACH deposits into your account Collect merchant payments at the end of each month Include the monthly payment information in the merchant’s processing statement Deposit funds monthly into your bank account less an administrative fee of only 2% Provide a payment agreement you can customize Refer collection agency services if needed

7. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com How one-stop billing works Merchant signs a new merchant services agreement acknowledging the monthly billing fee and terms and conditions You and merchant co-sign a Merchant Authorization and Indemnity Letter acknowledging the total amount the merchant owes and the number of monthly payments, or recurring payment amount Billing begins the month following receipt of the letter and agreement, as long as the merchant is processing and until the debt is paid

8. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Billing preferences Option 1: Fixed amount – fixed payments The merchant pays the same amount each month until the debt is paid. Typically used for POS installment payments.

9. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Billing preferences Option 2: Fixed amount – step-down payments The monthly amount varies, for up to 12 monthly intervals, until the debt is paid. Typically used for POS installment payments where the monthly payment continues to decrease over the term of the debt agreement.

10. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Billing preferences Option 3: Fixed amount – no end date Bill your merchant a fixed amount on a recurring monthly basis with no end date. Typically used for service contracts, supplies, etc.

11. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Billing preferences Option 4: Step-down payment – no end date Bill your merchant on a monthly basis with no end date. The monthly amount changes after a specified number of months. Typically used for service contracts, supplies, etc., but the monthly amount decreases after a given period.

12. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Merchants per month2 Average Processing Volume$34,000 Average Residual Income$50 Average Promotion %68% Average Attrition1.00% Annual Service Contract$1,200 Payment Schedule (months)12 % of Merchants on Service Contracts75% Total Merchants on Service Contracts1 Revenue model Revenue Model Assumptions

13. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Q1 Revenue Dealer PortfolioJan-10Feb-10Mar-10 New Merchants222 Processing Merchants013 # of Merchants Attritions000 Number of Merch. on Service Contract012 Credit Card Residual Income$0$68$136 Service Contract Income$0$102$204 Total Income$0$170$340 Revenue model

14. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Q2 Revenue Dealer PortfolioApr-10May-10Jun-10 New Merchants222 Processing Merchants457 # of Merchants Attritions000 Number of Merch. on Service Contract345 Credit Card Residual Income$203$270$336 Service Contract Income$305$405$504 Total Income$508$675$840 Revenue model

15. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Q3 Revenue Dealer PortfolioJul-10Aug-10Sep-10 New Merchants222 Processing Merchants8911 # of Merchants Attritions000 Number of Merch. on Service Contract678 Credit Card Residual Income$401$466$530 Service Contract Income$602$699$795 Total Income$1,003$1,165$1,325 Revenue model

16. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Q4 Revenue Dealer PortfolioOct-10Nov-10Dec-10 New Merchants222 Processing Merchants121314 # of Merchants Attritions000 Number of Merch. on Service Contract91011 Credit Card Residual Income$593$656$718 Service Contract Income$890$984$1,077 Total Income$1,483$1,640$1,795 Revenue model

17. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Recurring Revenue Trend Revenue model

18. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com PCI: Reasons to upgrade merchants Top reasons to upgrade merchants to PA DSS validated versions 17: 1.Small investment of only $1,000 compared with huge liability for average fine of $35,000 if breached 2. Most critical step toward PCI compliance 3. ASI’s one stop billing program powered by Mercury facilitates the upgrade 4.New version installation presents opportunity to discuss service contract, review network architecture, introduce to Mercury’s PCI Partner Program and knowledgeable assistance with PCI validation 5. Opportunity for you to earn an additional $100 per merchant 6. Protect your revenue stream

19. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Get your merchants attention

20. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Headline relevance to your merchants More than 90% of compromises happen to small, level 4 merchants 80% of those small merchants are brick and mortar stores The average direct cost of a breach for small merchants is $35,000!

21. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com What is validation about? In addition to the PCI compliance requirement, businesses must also validate their compliance. Validation shows that a merchant’s entire payment processing environment is secure. Requirements for Level 4 merchants: (processing less than 20,000 Visa e- commerce transactions annually and all other merchants processing up to 1,000,000 Visa transactions annually). Annual SAQ recommended Quarterly network scan by ASV if applicable Compliance validation requirements set by acquirer For more information, go to: www.visa.com/cispwww.visa.com/cisp

22. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com PCI Self-Assessment Questionnaire Overview PCI SAQ 1.2 Versions Card-not-present (e-commerce or mail/telephone-order) merchants, all cardholder data functions outsourced. This would never apply to face-to-face merchants. Imprint-only merchants with no electronic cardholder data storage or stand-alone dial-up terminal merchants, no electronic cardholder data storage Merchants with payment processing systems (POS, IP terminals, electronic cash registers) connected to the Internet, no electronic cardholder data storage All other merchants 226 questions 41 questions 26 questions 13 questions

23. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Mercury can help - PCI Partner Program www.MercuryPay.com/PCIpartner

24. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com PCI Partner Program Key Benefits Merchant benefits: Breach reimbursement up to $40,000 Dealer benefits: $100 for each enrolled merchant Additional revenue opportunity from consultation fees

25. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com MPS Incentive Program Mercury Payments will give $500 toward the cost of your customers upgrade! Non Mercury customers on version 15.1 and older 1 year contract required Through July 2010

26. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com To summarize... Build recurring monthly revenue using ASI’s one stop billing program powered by Mercury Protect what you’ve built with PCI compliance upgrades, service contracts, and merchant validation

27. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Learn more To learn more about MercuryFund visit: www.MercuryPay.com/mercuryfund To learn more about Mercury’s PCI Partner Program visit: www.MercuryPay.com/PCIpartner Free marketing material for merchants!

28. Smart Payment Processing ™ 800-846-4472 www.MercuryPay.com Thank you! Greg Castro Director of Channel Development 800-846-4472 ext. 4834 GCastro@MercuryPay.com