1. Outstanding ValueFlexibilityConvenience Sterling Rewards

2. The Easiest “Big League” Differentiator for Sterling Merchants. Rewards Web Portal Marketing Materials Customization

3. MerchantBenefits Attract new customers Attract new customers Build Loyalty Build Loyalty Guarantee repeat business Guarantee repeat business Boost brand recognition Boost brand recognition Increase profit Increase profit Gain advantage over competitors Gain advantage over competitors Key Selling Points No Coupon Hassle No Unexpected Expenses Merchant Sets Rewards Rate Only ‘pay’ when a customer makes a purchase Detailed Online Reporting

4. MerchantHomepage Simple, obvious link for customers Simple, obvious link for customers Quick & Easy integration with merchant website (requires very little technical expertise) Quick & Easy integration with merchant website (requires very little technical expertise) First-Visit Registration Prompt First-Visit Registration Prompt

5. Customer Registration Simple Account Creation Simple Account Creation Securely Register Credit and Debit Cards Securely Register Credit and Debit Cards Nickname cards (for added security) Nickname cards (for added security) Wow! Just the first 6 and the last 4 digits of the card number! More secure!

6. Customer Registration Automatically pushed to ‘Offers’ page Automatically pushed to ‘Offers’ page Flexible timeframes for Reward offers Flexible timeframes for Reward offers Reward Percentage Reward Percentage Max Reward Amount Max Reward Amount Sterling’s Implementation Team will work with your merchant on the Rewards Offers Sterling’s Implementation Team will work with your merchant on the Rewards Offers

7. Login Enter Username (email address) & Password Enter Username (email address) & Password Click “Login” Click “Login”

8. Manage My Account Change Name, E-mail Address, and Password Change Name, E-mail Address, and Password Remove Lost, Stolen, and Expired Cards Remove Lost, Stolen, and Expired Cards Add New Cards Add New Cards

9. JOHN’S REWARDS CREDITS – May 1–31, 2010 My Rewards Defaults to Current Period Defaults to Current Period View Historical Periods View Historical Periods View By Card View By Card Rewards Earned Year-to-date Rewards Earned Year-to-date Will also show what did NOT qualify for Rewards Will also show what did NOT qualify for Rewards

10. Robust Online Merchant Reporting Reports Available in SNAP Reports Available in SNAP View online or download in Excel View online or download in Excel

11. Member Report Includes: Customer Name Customer Name E-mail Address E-mail Address Cell Phone Number Cell Phone Number Birthday Birthday Anniversary Anniversary Street Address Street Address City, State, Zip City, State, Zip Merchants can export to Excel and run their own marketing campaigns!

12. Program Member Report Critical demographic data on enrolled cardholders Critical demographic data on enrolled cardholders Merchant can analyze customer base Merchant can analyze customer base Create special offers and promotions Create special offers and promotions Don’t let your merchants underestimate this incredible value! Merchants can export to Excel and run their own marketing campaigns!

13. Member Totals Report Detailed data on cardholder activity including: Cardholder Name Cardholder Name Last Reward Date Last Reward Date Number of Cards Registered Number of Cards Registered Date Enrolled in Program Date Enrolled in Program Most Recent Eligible Transaction Most Recent Eligible Transaction Most Recent Reward Most Recent Reward Transaction Count Transaction Count

14. Program Transactions Report Sort by data range. Includes: Cardholder Name Cardholder Name E-mail Address E-mail Address Truncated Card Number Truncated Card Number Transaction Amount Transaction Amount Reward Amount Reward Amount Transaction data can be exported as well!

15. Additional Merchant Reporting Manual Rewards List of all rewards that merchant has manually entered Redemptions List of any redemptions on customer’s rewards cards Event Rewards Reporting available for merchants participating in the optional announcement messaging. Allows for tracking of various events as well as Reward amount.

16. Robust Online Merchant Tools Update Program via SNAP Update Program via SNAP As viewed in Customer Portal Merchants can make changes to their own ‘Announcement Program’ messages, once initially set up with the Implementation Specialist!

17. Robust Online Merchant Tools Send ‘free-form’ text messages Send ‘free-form’ text messages Available for merchants participating in ‘Announcement Messages’! Allow 3 business days from intended delivery date for grammar and content review!

18. The Program

19. Sterling Rewards ‘Reward’ customers for making purchases Fully Automated No day-to-day effort required Merchants can choose to enroll in ‘Announcement Messages’ Merchant will work directly with Sterling’s own Implementation Specialist

20. Target Markets Builds loyalty for specific vertical markets: Casual Restaurants Dry Cleaners Car Washes Coffee Shops Ice Cream Parlors

21. Announcement Messages Merchants can design their program to send optional text messages and graphical e-mails “Welcome” messages to new registrants “Birthday” greetings “Thank you” for purchases “Miss you” inactivity reminders Merchants can also add value to customers’ accounts as well as send free-form text messages via SNAP

22. Are you ready? Announcement Messages

23. Getting Started

24. Simple and Easy Setup Merchant completes and signs the ‘Sterling Rewards Program Agreement and Enrollment’ form Sterling suggests a minimum of one year’s participation Pricing (for the Program and/or the optional Announcement Messages) will be included on the Agreement and Enrollment form

25. Sterling Rewards Program Agreement and Enrollment

26. Merchant provides Onsite point of contact Website Program selections Easy-to-follow Enrollment Form Why do we need the merchant’s name? Because this will be the web address for his customer portal. For example, ChefsTable.MySterlingRewards.com.

27. Implementation Specialist Coordinates Merchant Reward Offers Merchant Training Shipment of Marketing Material Implementation Process

28. Merchant Welcome Kit Contents Start Up Guide Window Sign Table Displays Several Rewards buttons Rewards cards, with rack cards Implementation will be complete within 15 business days Implementation Process

29. Merchants within the following parameters are eligible for Sterling Rewards: Must be on Sterling’s proprietary settlement (Back End) system Single-location merchants Sterling Rewards will apply to Visa, MasterCard, Discover and PIN-based Debit transactions Sterling representatives should confirm that a merchant using an integrated processing solution (aka VAR product) is using a product that supports ‘GIFT’ Things to Keep in Mind

30. The following documents will be available on SNAP: (keyword: sterling rewards) Sterling Rewards Sales Flyer Sterling Rewards ‘Set and Forget’ email messages Sterling Rewards Program Guide (Agent) Sterling Rewards Program Agreement and Enrollment All four pages are required, if not using SPREE on Sterling Payment Technologies Additional Resources

31. The rewards program with a difference.