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2009 Goal: “Save Money NOW” Guaranteed savings or we pay you $500.00!

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Your local office: Why we are here <ul><li>We are not here to sell you anything, we are here to help. </li></ul><ul><li>We are all born and raised in Upstate NY and see what difficult economic times are before us. </li></ul><ul><li>Our Cities, Towns, Villages and all businesses within will benefit from the lowest rates from any processing company in the country. </li></ul><ul><li>We have found a means of saving money for services already being used by you! </li></ul><ul><li>If we can not beat your current processing rates we will give you $500.00 </li></ul><ul><li>All merchant accounts are referred to and processing services provided by North American Bancard, a registered ISO/MSP of HSBC Bank USA, National Association, Buffalo, NY and Wells Fargo Bank N.A., Walnut Creek, CA </li></ul>

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The Company: Who We are <ul><li>North American Bancard is a multifaceted payment solutions provider. </li></ul><ul><li>A registered MSP/ISO for over a decade we have gained the expertise needed to perform and excel for our customers. </li></ul><ul><li>We are dedicated to providing the latest technology as well as committing to the highest service levels. </li></ul><ul><li>With over 300 dedicated full time employees at our corporate office in Troy, Michigan we are staffed for our dynamic growth. </li></ul><ul><li>As a full service payment solutions provider we provide our clients with a full suite of products including Credit, Debit, EBT, Check Conversion and Guarantee, and Gift & Loyalty Card Solutions. </li></ul><ul><li>NAB is at the forefront of technology with our recent introduction of our online &quot;click here i agree&quot; digital merchant agreement. </li></ul>

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How We Help <ul><li>Provide the superior, personalized service our customers deserve. 24/7/365. </li></ul><ul><li>Local offices in Rochester and Buffalo for technical support and customer service as well as 24 hour support from corporate. </li></ul><ul><li>Experienced, we have processed billions of dollars for tens of thousands of merchants. </li></ul><ul><li>We constantly scan the digital horizon and adopt the appropriate cutting-edge technology, industry leading programs, the latest hardware and highly-competitive pricing. </li></ul><ul><li>We always remember that our customers' success and satisfaction are key to our own. </li></ul>

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HOW WE HELP EXAMPLE RATES RETAIL <ul><li>1.59% credit .69% Debit .10 cent Transaction fee </li></ul><ul><li>NO Set Up Fees NO annual Fees NO Hidden Fees </li></ul><ul><li>Free Equipment </li></ul><ul><li>500.00 if we can’t beat your current rates </li></ul><ul><li>We will pay termination fees if you are currently under contract with your current processing company up to $300.00. </li></ul><ul><li>Depending on business type volume and vertical market, rates may be lower. We will beat your current rates and pay termination fees for you to switch. The time to save is now! </li></ul>

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Credit Card Processing Source: www.uwc.org <ul><li>• Face 2 Face, Internet, POS, reoccurring transactions </li></ul><ul><li>Get set-up quickly to accept credit, debit, EBT and gift cards </li></ul><ul><li>• Authorize and capture VISA, MasterCard, Discover, American Express and Diners Club/Carte </li></ul><ul><li>Blanche transactions with a single swipe of the customer’s credit card. </li></ul><ul><li>• Have electronic access to check guarantee authorizations, preventing lost revenues and returned checks. </li></ul><ul><li>• Access your funds within 48 hours of processing. </li></ul><ul><li>• Access account information online anytime. </li></ul><ul><li>• Easily reconcile your books on a daily basis with our complete online detailed reporting </li></ul>

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Accept Checks with out fear. <ul><li>Replace your current labor-intensive paper check processes with one of our electronic check solutions; making check acceptance as easy as accepting credit cards. </li></ul><ul><li>ETF Check This solution provides innovative check functionality with traditional credit and debit card processing by allowing merchants to quickly and easily convert paper checks to electronic (EFT) transactions right at the point of sale. </li></ul><ul><li>ACH Check All approved transactions are sent electronically through the Automated Clearing House (ACHnetwork) for settlement and clearing. </li></ul><ul><li>POS Check POS Check is a member-branded service offered by Visa U.S.A. to its member financial institutions and their merchants. Global, partnered with Visa U.S.A., offers the POS Check Service. POS Check converts paper checks drawn on participating banks to electronic transactions, by leveraging the existing Visa Network infrastructure and connectivity to Visa’s members and their merchants. Non-Participating items are processed electronically via the ACH Network. </li></ul>

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Accept Checks with out fear <ul><li>Benefits Minimizes financial loss due to check fraud. </li></ul><ul><li>Enhances customer satisfaction with reduced wait time for check acceptance. </li></ul><ul><li>Increases cash flow with two-day merchant funding as opposed to five-to-seven days or longer for paper-based check processing. </li></ul><ul><li>Global Guarantee saves money by eliminating returned items and associated NSF fees. Ensures daily funding for retail merchants with auto-settle feature. </li></ul><ul><li>Reduces bank administrative errors and funding delays. </li></ul><ul><li>Reduces labor costs by streamlining closing procedures </li></ul><ul><li>Most terminal applications support multi-merchant functionality, allowing a single terminal to be shared by eight or more doctors, hair stylists, auto-dealers, etc. </li></ul><ul><li>Summary or Detail Billing is available with both products, providing itemized transaction information on monthly statement. </li></ul>

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INTERNET <ul><li>#1-Rated online payment gateway and virtual terminal - Use the full-featured Merchant Interface to monitor and control payments through your Website. </li></ul><ul><li>Accept all major credit cards as well as electronic checks, gift cards and Internet auctions. </li></ul><ul><li>Prevent fraud - Identify suspicious transactions with value - added products and built - in fraud tools. </li></ul><ul><li>Industry - leading data security. </li></ul><ul><li>Robust reporting features. </li></ul><ul><li>Real - time or batch transaction processing </li></ul><ul><li>Payment Card Industry (PCI) Data Security Standards compliant. </li></ul>

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INTERNET <ul><li>Internet Processing credit cards over the Internet is one of the fastest growing segments of transactions today. This type of transaction or &quot;card-not-present&quot; transaction requires a special type of merchant account. Most credit card companies use special criteria to assess risk and they have a different fee structure because you never physically see the card. There are many benefits to allowing North American Bancard to set up your card-not-present account, below are just a few. </li></ul><ul><li>Accept and process credit card payments real time </li></ul><ul><li>Accepts all major credit cards </li></ul><ul><li>Seconds to complete a transaction </li></ul><ul><li>Process credit card transactions from orders received offline </li></ul><ul><li>Issue credits </li></ul><ul><li>Void transactions </li></ul><ul><li>View your list of transactions online </li></ul>

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Wireless – Key Points Cost savings <ul><li>Wireless coverage costs less than a land line or wired IP </li></ul><ul><li>Eliminates cabling costs for merchants in remote locations </li></ul><ul><li>Reduces interchange for merchants previously limited to “card not present” transactions </li></ul><ul><li>PIN-based debit transactions reduces interchange costs </li></ul><ul><li>Reduced risk of charge backs </li></ul>Revenue maximization <ul><li>Higher average tickets with credit & debit acceptance </li></ul><ul><li>No more missed sales </li></ul>Fraud prevention <ul><li>Allows customer to retain control of their payment cards </li></ul>continued

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Wireless – Key Points Improved cash and business management <ul><li>Reduce cash on hand and cash handling costs </li></ul><ul><li>Cash sales can be tracked by the terminal </li></ul><ul><li>Reduces costly errors in cash handling </li></ul><ul><li>Improved cash flow </li></ul>Better customer experience <ul><li>Allows customers the option to pay by payment card in any environment </li></ul><ul><li>Customers feel more comfortable when cards or card numbers stay within their control </li></ul>Speed <ul><li>Transaction times of 2 to 4 seconds </li></ul><ul><li>Line busting speeds up check out process </li></ul>continued

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Wireless Cost <ul><li>Increased average ticket & additional sales off-sets the cost of terminal </li></ul><ul><li>Improved cash flow compared to invoicing </li></ul><ul><li>Interchange savings (for acceptors) will off-set the cost of terminal </li></ul><ul><li>Wireless connectivity is far less expensive than a business phone line or wired IP </li></ul><ul><li>Labor savings also help off-set cost of terminal </li></ul>Coverage <ul><li>GPRS is the global standard for mobile data communication </li></ul><ul><li>The GPRS network offers coverage in 90% of populated areas. And it is growing. </li></ul><ul><li>Store & Forward function allows merchants to receive swiped rates even if coverage is unavailable </li></ul>Convenience <ul><li>Real time authorizations provide peace of mind the payment is good </li></ul><ul><li>Real time authorizations get merchant in & out of customer location quickly </li></ul><ul><li>VeriFone wireless devices are durable, easy-to-use, all-in-one solutions </li></ul><ul><li>Ability to track cash sales makes accepting all payments easier </li></ul><ul><li>Accessories make it easy to charge, carry, and use the wireless devices anywhere! </li></ul>

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Capital for Merchants <ul><li>Capital for Merchants gives business owners a hassle free alternative to conventional business loans. It’s a simple, convenient way to get the cash you need into your business today. </li></ul><ul><li>Get the cash you need to: </li></ul><ul><li>• Open new locations or remodel a store! </li></ul><ul><li>• Buy the equipment and inventory you need now! </li></ul><ul><li>• Advertising, New Product Development... </li></ul><ul><li>Guess What! </li></ul><ul><li>No Closing Cost • 95% approval rate • No collateral </li></ul><ul><li>• Tax deductible • Not personally liable • No hidden fees </li></ul><ul><li>• A-B credit not required • No application or start up fees </li></ul><ul><li>• Fast approval • No financial/tax returns required </li></ul>

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Capital for Merchants Capital for Merchants gives you an opportunity to leverage the greatest asset you have... your future sales! The concept is simple. Capital for Merchants will pay you for your future Credit Card transactions up front. As transactions roll in we get paid back with a small fixed % of those daily Credit Card receipts.

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Capital for Merchants Q & A <ul><li>1. How can I use the cash? </li></ul><ul><li>Any way that you want. We are only interested in your continued success. </li></ul><ul><li>2. What’s the catch? </li></ul><ul><li>No Catch. No Hassles. No Gimmicks. Just a smart simple way to get cash fast. </li></ul><ul><li>3. How much cash can the I get? </li></ul><ul><li>CFM will fund up to $250,000 plus per location depending on your </li></ul><ul><li>businesses credit card volume. </li></ul><ul><li>4. How soon can I get the money? </li></ul><ul><li>After completing the Application you can expect cash in as little as 72 hours </li></ul>

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How do I get Started <ul><li>Start saving now by contacting your local representative. </li></ul><ul><li>We will do an analysis for you by comparing your current rates to our rates. </li></ul><ul><li>It takes approximately three days after you sign to be up and running </li></ul><ul><li>Your local rep will take care of all the set up for you. </li></ul><ul><li>If you receive a cancellation charge from your old company just show us your statement and we will pay it for you, up to $300.00 </li></ul>

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WE ARE HERE FOR YOU <ul><li>NorthAmerican BanCard retail storefront | wireless | service business | telephone | restaurant | government | internet | hotel | mail order | B2B | financial institutions </li></ul><ul><li>Kathleen O’Leary </li></ul><ul><li>585-721-4948 </li></ul><ul><li>[email_address] </li></ul>