1. 1 Capability Set - Detail

2. 2 Common Merchant Problems Require rapid funds settlement from the campus –Small businesses operate on good cash flow –Need for effective documentation and reporting Need for variety of equipment service options –Training availability for new merchant staff –Service problem resolution at all hours Effective marketing to students is critical –Need to reach students with product or services offerings –Desire for preferred merchant status demonstrating campus support Limited time to market and manage campus program –No time for marketing –No time to manage and bill the campus –No time to negotiate for payment

3. 3 SETTLEMENTRECRUITMENTSUPPORT Secure Funds Settlement Royalty and Fee Payment Merchant Recruitment Card Program Marketing Terminal Deployment BbOne System Capability Set by : Category

4. 4 NEW COMMERCE Secure Funds Settlement Royalty and Fee Payment Merchant Recruitment Card Program Marketing Terminal Deployment BbOne System Capability Set by : Benefit

5. 5 Settlement

6. 6 Automated Secure Funds Settlement Settlement to merchants is secure and automated, eliminating the manual process of calculating merchant payments and issuing regular reimbursements for transaction activity. This process takes place on a daily basis and provides the campus with complete ACH-based settlement without manual intervention. To support the settlement process, institutions receive detailed reports and online account access to the transactions database to assist in account reconciliation. Monthly University Reconciliation Report Monthly Merchant Statement

7. 7 Automated Royalty and Fee Payment All payments for royalties and transaction fees from merchants are automatically calculated and deducted from merchant settlement. Campuses receive these royalties on a daily basis though a deposit to a designated financial institution. Both institutions and merchants receive detailed transaction and fee reports.

8. 8 Recruitment

9. 9 Off-Campus Merchant Recruitment After completing local market research, Blackboard actively recruits merchants in and around the institution for participation in the off-campus merchant program. Merchants typically include local restaurants, grocery stores, movie rental stores and gas stations. Blackboard completes the entire recruitment and acquisition process, from approaching the merchants to negotiating the transaction rates and executing the contract.

10. 10 Card Program Marketing Assists in marketing the off-campus merchant program to students and parents. Working on behalf of the institution and participating merchants, Blackboard cost-effectively highlights merchant participation, specials and on-going benefits of the off-campus merchant program. From design and creative through execution and fulfillment, marketing services include e-mail, web sites, merchant signage and collateral. Direct Mail Campaigns E-Mail and Web Newspaper Brochures

11. 11 Support

12. 12 Terminal Deployment and Management Participating merchants can choose to purchase or lease their terminals. Blackboard manages the initial terminal deployment process, including the merchant welcome kit. Merchants requiring additional support can call the Blackboard 24–hour help line where a team of transaction terminal experts is always available to help with technical difficulties, billing inquiries, or terminal repair.