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Corporate Profile
Publicly traded, NYSE: HPY
FORTUNE 1000 company
Fifth largest processor in the US
Processes more than11 milliontransactions a day
Serves more than 250,000businesses nationwide
More than 3,300 employees
Ten offices throughout the US and Canada
Full Service Payments Processor
Credit/debit/prepaidcard processing
E3™ technology Payroll services Gift marketing and
loyalty programs Check management Online payments Give Something Back Network OneCard MicroPayments Lending services Major markets served:
Restaurant Retail Lodging Petroleum Healthcare Community Banks
Heartland Sales and Servicing
1,300+ locally based sales and service personnel
No independent contractors
Toll-free customer service
State-based teams familiar withlocal requirements
Spanish and other languagetechnicians available
The Merchant Bill of Rights
Public advocacy initiativelaunched in 2006
Promotes fair credit, debitand prepaid card processingpractices
Calls for the clear and straightforwardpresentation of card processing costs
Endorsed by over 425 state trade organizations, merchants and business partners
MerchantBillofRights.org
Card Processing
Fair pricing and full disclosure of fees
Clear statements
Direct processing for all major card brands
Fully integrated terminals and software
ePIN•IT! receipt-based prepaid services Wireless phone and long distance minutes
No expense until products are sold
Online Merchant Center Online statement access
Deposit confirmation and tracking
Data export and graphical trend analyses
E3TM End-to-End Encryption Technology
Provides the highest degree of credit and debit card data security available
No extra or recurring charges
Easy and cost-effective to implement
Reduced cost of PCI compliance andrisk of non-compliance
Guaranteed protection and reimbursement
Named “#1 Technology Innovation of the Year”by Bank Technology News
Comprehensive payroll capabilities
Payroll automation
Web-hosted access
Employee access to view pay stubs
Robust reporting
No fees for employee deletionsor additions
Remote check and report printing
Automated general ledger interfaces
Dedicated, skilled account representatives
Payroll Services
Leverage traditional gift cards
Increase word-of-mouth marketing
Develop loyalty programs andreal-time promotions
Increased return on investment
Integration assistance
Dedicated gift marketing support
Training guides, e-newsletters,point-of-purchase materials
Heartland Gift Marketing
Quickly scan and deposit checks
Initiate check recovery activities
Recover bad check funds efficiently
Process ACH transactions at thepoint of sale or on the web
Verify bad checks before theyenter your system
Ensure customers’ checks are honored — even if they’re returned
Check Management
Enable customers to order online
Process payments from any PC
Fast, simple implementation
Fast authorizations, no gateway fees
Online Payments
Makes charitable giving easy
Prepaid card that works like cash
Merchants – Lower interchange rate
Cardholders – Percentage of purchaseprice returned
Sponsoring organizations – Generates more donations
Purchases through card or cell phone tag
Give Something Back Network OneCard
Manage small-ticket paymentscycle from start to finish
Perfect cashless paymentsapplication for: Vending
Laundry
Hospitality
Education
Parking
Corporate campuses
MicroPayments
Obtain funding to expand yourbusiness
Fairly priced
Heartland teams with EncoreCapital – A private lendingcompany
Value-added service – Heartlandreceives no compensation
Lending Services
Tailored Payment Solutions
Restaurants/ Food Service Lodging
Healthcare Pharmacy
Petroleum & Convenience Stores Retail
Campus and Academic Institutions Veterinary
Neighborhood Markets Parking
Nonprofit Organizations Professional Services
Property Management Utility
Laundry Vending
Restaurant Solutions
Heartland 360˚ Point-of-SaleSystem Enhance operational efficiency
Full range of standard modulesincluded at no extra cost
Control costs with a fixed weeklysubscription model
Data Central Leading data management solution
Analyze food costs, track inventory, understand employee productivity
Lodging Solutions
Room Key Payments Solutions Increased revenue by making spending easier
for guests
Vending machine purchases
Arcade games
Laundry or parking services
Easy, quick installation
Integration with hotel property management systems
Up-to-the-minute reporting to simplify inventorytracking of onsite vending services
Simplified reconciliation of accounts
Healthcare Solutions
ConfirmPay Healthcare eligibility verification
Real-time, web-based solution
Estimate of patient’s self-payresponsibility
Feature-rich payments processingfunctionality
One easy-to-use portal
Petroleum Solutions
End-to-end payment processing platform tailored to the petroleum and convenience industry
Integrated point-of-sale (POS) and network solutions
SmartLink technology Consolidates data communications
Delivers payment transactions andback-office data over one,high-speed, secure broadbandconnection
Campus Solutions
Multi-functional campus OneCard ID card Works like cash on and off campus
Card used for:
Access and security
Housing and dining
Vending and laundry
Activities and events
Tuition and housing
Financial aid disbursement and work study payment
Acceluraid Electronic financial aid disbursement
Integrates with OneCard or stands alone
Enhances operational efficiencies
Laundry Solutions
Load It Laundry Application Reloadable cashless payment card
Easy-to-install laundry readers
Integrated reporting
Minimizes theft, vandalismand coin jams
Wave Rider Laundry System Accepts credit and debit cards
Alerts when machines are out of service
Customers can check availability of machines online
Business Partners
Trade Associations and Member-BasedOrganizations Endorsed by 200+ nationwide
associations
Banks and Financial Institutions Full-featured bank alliance program
POS Developers, Resellers and Dealers Adds value and expands marketing reach
Referral Service Providers Provides cash incentive for business referrals
National Restaurant Association – Strategic Partnership
First unified payments processing platform for the restaurant industry
Empowers restaurateurs to: Reduce expenses, enhance operations
and increase profitability
Full Course Business SolutionsSM: Card processing Gift marketing Payroll services Tip management services Check management
Includes the Council of State Restaurant Associations and 40+ state restaurant associations
Exclusively Endorsed by the National Restaurant Association, Council of State Restaurant Associations & 40+ State Restaurant Associations