Click for next page

Who are wehellip

ProcessPoint is a consulting firm focused on merchant services (credit card processing)

Credit card processing being one of the most needed yet least understood parts of business today makes our mission as consultants more important than ever

We feel that if you work with people who know the territory you will make better decisions

CONSULT GUARANTEE PERFORM

Our Credohellip

Click for next page

CONSULT GUARANTEE PERFORM

Cracking the Codehellip

Click for next page

CONSULT GUARANTEE PERFORM

Understanding credit card processing is a frustrating challenge and processors take advantage of that situation

They have a ldquocoderdquo that obfuscates the truth

Rate increases hidden fees bad contracts poor service rip-off terminal prices PCI charges and more all serve to make most merchants wary of all the endless processor solicitations

Having it your wayhellip

Click for next page

CONSULT GUARANTEE PERFORM

We help you have it your way by showing the truth of what your program should be and getting what you deserve

We help you get what ldquoyou wantrdquo instead of what ldquothey wantrdquo in terms and conditions

We help you get guarantees for no rate increases certified savings and performance standards

Our Programshellip

Click for next page

CONSULT GUARANTEE PERFORM

We have four ways we can help you

Audit Advantage copy

Stay nrsquoSave copy

AutoBid copy

Performance Plus copy

Click for next page

Determines the ldquotruthrdquo of your current program

Effective Rate analysis

Identifies rate errors or rate increases

Verifies correct interchange qualification

Detects unwarranted fees

Identifies unwarranted one time fees

Identifies improper equipment costs

Audit Advantagecopy

CONSULT GUARANTEE PERFORM

Click for next page

Audit Advantage copy

Click for next page

Acting as your agent we negotiate the ldquobest programrdquo with your current processor

Since we are a processing company we know what that ldquobest programrdquo should be

We craft terms that you want not what they want

We donrsquot make any money until you save money

This program includes Audit Advantagecopy

Stay nrsquoSave copy

hellipCONSULT GUARANTEE

PERFORM

Acting as your agent we negotiate your ldquobest programrdquo with a choice of several processors

We can reach out to several processors as well as anyone else you would like

Again we craft terms that you want not what they want

Again we donrsquot make any money until you save money

This program includes Audit Advantagecopy

Click for next page

AutoBid copy

hellipCONSULT GUARANTEE

PERFORM

As a registered ISO for Visa and MasterCard we offer the ldquobest programrdquo meeting the high standards we expect from any processor

Our program offers you the opportunity to input your needs and requirements tailored for your business

Again we donrsquot make money until you save money

This program includes Audit Advantagecopy

Click for next page

Performance Plus copy

hellip CONSULT GUARANTEE PERFORM

No increase in processing rates for life

A 60-day free trial program

On going monthly audits to verify the projected savings

Guaranteed performance or no cancellation fee

True Interchange plus pricing

ldquoBest Programrdquo Standardshellip

Click for next page

CONSULT GUARANTEE PERFORM

ldquoBest Programrdquo Guaranteeshellip

Click for next page

CONSULT GUARANTEE PERFORM

Guaranteed Savings

Guaranteed Lifetime Rates

Lowest Cost Guarantee Program

Guaranteed Performance

Guaranteed No Risk Trial Period

All guarantees are in writing

Interchange is the amount that Visa MasterCard or Discover charge for the transaction

Interchange is charged by Visa MasterCard and Discover at the same rates to all merchants regardless of processor

The next slide shows interchange in more detailhellip

True Interchange-Plus Pricinghellip

CONSULT GUARANTEE PERFORM

Click for next page

Click for next page

Visa - MasterCard Assessments are 11 and Discover is 10

Interchange Price Sheethellip

Visa and MasterCard also assess a 2 cent fee per transaction

CONSULT GUARANTEE PERFORM

What the card issuer receives

Transactions are processed based on many criteria unknown to most clientsMany are misclassified usually at a higher rates resulting in higher costsProcessPoint excels in making sure your transactions are properly qualifiedWe save thousands annually for our clients by guaranteeing proper qualification

Interchange Qualification

CONSULT GUARANTEE PERFORM

Click for next page

Tiered ldquoBucket Pricing Qualified Rate ndash Only Swiped

bull Debit Cards bull Card Present only bull Consumer Cards Mid Qualified ndash Keyed

bull Card Not Present bull Internet MOTO bull With Zip Code only Non Qualified ndash Swiped or Keyed

bull Corporate Cards bull No AVS verified bull Rewards Cards bull The processor controls which bucket the transaction is dumped into bull Difficult to understand

They control your bottom line

Differential Pricing

Base Rate ndash Starting Point

Plus + Interchange Adjustments The costs are based on a number of factors bull Card Type bull Capture Method bull Industry bull Level of reward bull Margin levels

bull The Banks completely control the cost of the adjustment bull If they need to increase the margin on your account they add points to the downgrades bull When rates go up they increase the base rates and that effects every card type bull Difficult to understand

ldquoInterchange Plusrdquo Pricing

+ bull Actual Interchange Costs are passed through to you bull The + is the fee to process the transactions

bull Never an arbitrary increase bull Visa amp MasterCard control what you pay on each transaction Not the processor bull All the rates and fees are exposed Nothing is hidden

Totally transparent

Credit Card Pricing Methods

Bad Bad Good

Click for next page

True Interchange-plus Pricing Statement

A one page statement

Interchange Detail

Rate Detail

Click for next page

Terminal Do Notshellip

Do not lease a terminalDo not use a proprietary terminalDo not use a locked terminalDo not pay a PCI charge for a terminalDo not replace a terminal because someone says itrsquos not compliant (seldom the case)We believe in free loaner terminals Click for next page

CONSULT GUARANTEE PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

Our Credohellip

Click for next page

CONSULT GUARANTEE PERFORM

Cracking the Codehellip

Click for next page

CONSULT GUARANTEE PERFORM

Understanding credit card processing is a frustrating challenge and processors take advantage of that situation

They have a ldquocoderdquo that obfuscates the truth

Rate increases hidden fees bad contracts poor service rip-off terminal prices PCI charges and more all serve to make most merchants wary of all the endless processor solicitations

Having it your wayhellip

Click for next page

CONSULT GUARANTEE PERFORM

We help you have it your way by showing the truth of what your program should be and getting what you deserve

We help you get what ldquoyou wantrdquo instead of what ldquothey wantrdquo in terms and conditions

We help you get guarantees for no rate increases certified savings and performance standards

Our Programshellip

Click for next page

CONSULT GUARANTEE PERFORM

We have four ways we can help you

Audit Advantage copy

Stay nrsquoSave copy

AutoBid copy

Performance Plus copy

Click for next page

Determines the ldquotruthrdquo of your current program

Effective Rate analysis

Identifies rate errors or rate increases

Verifies correct interchange qualification

Detects unwarranted fees

Identifies unwarranted one time fees

Identifies improper equipment costs

Audit Advantagecopy

CONSULT GUARANTEE PERFORM

Click for next page

Audit Advantage copy

Click for next page

Acting as your agent we negotiate the ldquobest programrdquo with your current processor

Since we are a processing company we know what that ldquobest programrdquo should be

We craft terms that you want not what they want

We donrsquot make any money until you save money

This program includes Audit Advantagecopy

Stay nrsquoSave copy

hellipCONSULT GUARANTEE

PERFORM

Acting as your agent we negotiate your ldquobest programrdquo with a choice of several processors

We can reach out to several processors as well as anyone else you would like

Again we craft terms that you want not what they want

Again we donrsquot make any money until you save money

This program includes Audit Advantagecopy

Click for next page

AutoBid copy

hellipCONSULT GUARANTEE

PERFORM

As a registered ISO for Visa and MasterCard we offer the ldquobest programrdquo meeting the high standards we expect from any processor

Our program offers you the opportunity to input your needs and requirements tailored for your business

Again we donrsquot make money until you save money

This program includes Audit Advantagecopy

Click for next page

Performance Plus copy

hellip CONSULT GUARANTEE PERFORM

No increase in processing rates for life

A 60-day free trial program

On going monthly audits to verify the projected savings

Guaranteed performance or no cancellation fee

True Interchange plus pricing

ldquoBest Programrdquo Standardshellip

Click for next page

CONSULT GUARANTEE PERFORM

ldquoBest Programrdquo Guaranteeshellip

Click for next page

CONSULT GUARANTEE PERFORM

Guaranteed Savings

Guaranteed Lifetime Rates

Lowest Cost Guarantee Program

Guaranteed Performance

Guaranteed No Risk Trial Period

All guarantees are in writing

Interchange is the amount that Visa MasterCard or Discover charge for the transaction

Interchange is charged by Visa MasterCard and Discover at the same rates to all merchants regardless of processor

The next slide shows interchange in more detailhellip

True Interchange-Plus Pricinghellip

CONSULT GUARANTEE PERFORM

Click for next page

Click for next page

Visa - MasterCard Assessments are 11 and Discover is 10

Interchange Price Sheethellip

Visa and MasterCard also assess a 2 cent fee per transaction

CONSULT GUARANTEE PERFORM

What the card issuer receives

Transactions are processed based on many criteria unknown to most clientsMany are misclassified usually at a higher rates resulting in higher costsProcessPoint excels in making sure your transactions are properly qualifiedWe save thousands annually for our clients by guaranteeing proper qualification

Interchange Qualification

CONSULT GUARANTEE PERFORM

Click for next page

Tiered ldquoBucket Pricing Qualified Rate ndash Only Swiped

bull Debit Cards bull Card Present only bull Consumer Cards Mid Qualified ndash Keyed

bull Card Not Present bull Internet MOTO bull With Zip Code only Non Qualified ndash Swiped or Keyed

bull Corporate Cards bull No AVS verified bull Rewards Cards bull The processor controls which bucket the transaction is dumped into bull Difficult to understand

They control your bottom line

Differential Pricing

Base Rate ndash Starting Point

Plus + Interchange Adjustments The costs are based on a number of factors bull Card Type bull Capture Method bull Industry bull Level of reward bull Margin levels

bull The Banks completely control the cost of the adjustment bull If they need to increase the margin on your account they add points to the downgrades bull When rates go up they increase the base rates and that effects every card type bull Difficult to understand

ldquoInterchange Plusrdquo Pricing

+ bull Actual Interchange Costs are passed through to you bull The + is the fee to process the transactions

bull Never an arbitrary increase bull Visa amp MasterCard control what you pay on each transaction Not the processor bull All the rates and fees are exposed Nothing is hidden

Totally transparent

Credit Card Pricing Methods

Bad Bad Good

Click for next page

True Interchange-plus Pricing Statement

A one page statement

Interchange Detail

Rate Detail

Click for next page

Terminal Do Notshellip

Do not lease a terminalDo not use a proprietary terminalDo not use a locked terminalDo not pay a PCI charge for a terminalDo not replace a terminal because someone says itrsquos not compliant (seldom the case)We believe in free loaner terminals Click for next page

CONSULT GUARANTEE PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

Cracking the Codehellip

Click for next page

CONSULT GUARANTEE PERFORM

Understanding credit card processing is a frustrating challenge and processors take advantage of that situation

They have a ldquocoderdquo that obfuscates the truth

Rate increases hidden fees bad contracts poor service rip-off terminal prices PCI charges and more all serve to make most merchants wary of all the endless processor solicitations

Having it your wayhellip

Click for next page

CONSULT GUARANTEE PERFORM

We help you have it your way by showing the truth of what your program should be and getting what you deserve

We help you get what ldquoyou wantrdquo instead of what ldquothey wantrdquo in terms and conditions

We help you get guarantees for no rate increases certified savings and performance standards

Our Programshellip

Click for next page

CONSULT GUARANTEE PERFORM

We have four ways we can help you

Audit Advantage copy

Stay nrsquoSave copy

AutoBid copy

Performance Plus copy

Click for next page

Determines the ldquotruthrdquo of your current program

Effective Rate analysis

Identifies rate errors or rate increases

Verifies correct interchange qualification

Detects unwarranted fees

Identifies unwarranted one time fees

Identifies improper equipment costs

Audit Advantagecopy

CONSULT GUARANTEE PERFORM

Click for next page

Audit Advantage copy

Click for next page

Acting as your agent we negotiate the ldquobest programrdquo with your current processor

Since we are a processing company we know what that ldquobest programrdquo should be

We craft terms that you want not what they want

We donrsquot make any money until you save money

This program includes Audit Advantagecopy

Stay nrsquoSave copy

hellipCONSULT GUARANTEE

PERFORM

Acting as your agent we negotiate your ldquobest programrdquo with a choice of several processors

We can reach out to several processors as well as anyone else you would like

Again we craft terms that you want not what they want

Again we donrsquot make any money until you save money

This program includes Audit Advantagecopy

Click for next page

AutoBid copy

hellipCONSULT GUARANTEE

PERFORM

As a registered ISO for Visa and MasterCard we offer the ldquobest programrdquo meeting the high standards we expect from any processor

Our program offers you the opportunity to input your needs and requirements tailored for your business

Again we donrsquot make money until you save money

This program includes Audit Advantagecopy

Click for next page

Performance Plus copy

hellip CONSULT GUARANTEE PERFORM

No increase in processing rates for life

A 60-day free trial program

On going monthly audits to verify the projected savings

Guaranteed performance or no cancellation fee

True Interchange plus pricing

ldquoBest Programrdquo Standardshellip

Click for next page

CONSULT GUARANTEE PERFORM

ldquoBest Programrdquo Guaranteeshellip

Click for next page

CONSULT GUARANTEE PERFORM

Guaranteed Savings

Guaranteed Lifetime Rates

Lowest Cost Guarantee Program

Guaranteed Performance

Guaranteed No Risk Trial Period

All guarantees are in writing

Interchange is the amount that Visa MasterCard or Discover charge for the transaction

Interchange is charged by Visa MasterCard and Discover at the same rates to all merchants regardless of processor

The next slide shows interchange in more detailhellip

True Interchange-Plus Pricinghellip

CONSULT GUARANTEE PERFORM

Click for next page

Click for next page

Visa - MasterCard Assessments are 11 and Discover is 10

Interchange Price Sheethellip

Visa and MasterCard also assess a 2 cent fee per transaction

CONSULT GUARANTEE PERFORM

What the card issuer receives

Transactions are processed based on many criteria unknown to most clientsMany are misclassified usually at a higher rates resulting in higher costsProcessPoint excels in making sure your transactions are properly qualifiedWe save thousands annually for our clients by guaranteeing proper qualification

Interchange Qualification

CONSULT GUARANTEE PERFORM

Click for next page

Tiered ldquoBucket Pricing Qualified Rate ndash Only Swiped

bull Debit Cards bull Card Present only bull Consumer Cards Mid Qualified ndash Keyed

bull Card Not Present bull Internet MOTO bull With Zip Code only Non Qualified ndash Swiped or Keyed

bull Corporate Cards bull No AVS verified bull Rewards Cards bull The processor controls which bucket the transaction is dumped into bull Difficult to understand

They control your bottom line

Differential Pricing

Base Rate ndash Starting Point

Plus + Interchange Adjustments The costs are based on a number of factors bull Card Type bull Capture Method bull Industry bull Level of reward bull Margin levels

bull The Banks completely control the cost of the adjustment bull If they need to increase the margin on your account they add points to the downgrades bull When rates go up they increase the base rates and that effects every card type bull Difficult to understand

ldquoInterchange Plusrdquo Pricing

+ bull Actual Interchange Costs are passed through to you bull The + is the fee to process the transactions

bull Never an arbitrary increase bull Visa amp MasterCard control what you pay on each transaction Not the processor bull All the rates and fees are exposed Nothing is hidden

Totally transparent

Credit Card Pricing Methods

Bad Bad Good

Click for next page

True Interchange-plus Pricing Statement

A one page statement

Interchange Detail

Rate Detail

Click for next page

Terminal Do Notshellip

Do not lease a terminalDo not use a proprietary terminalDo not use a locked terminalDo not pay a PCI charge for a terminalDo not replace a terminal because someone says itrsquos not compliant (seldom the case)We believe in free loaner terminals Click for next page

CONSULT GUARANTEE PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

Having it your wayhellip

Click for next page

CONSULT GUARANTEE PERFORM

We help you have it your way by showing the truth of what your program should be and getting what you deserve

We help you get what ldquoyou wantrdquo instead of what ldquothey wantrdquo in terms and conditions

We help you get guarantees for no rate increases certified savings and performance standards

Our Programshellip

Click for next page

CONSULT GUARANTEE PERFORM

We have four ways we can help you

Audit Advantage copy

Stay nrsquoSave copy

AutoBid copy

Performance Plus copy

Click for next page

Determines the ldquotruthrdquo of your current program

Effective Rate analysis

Identifies rate errors or rate increases

Verifies correct interchange qualification

Detects unwarranted fees

Identifies unwarranted one time fees

Identifies improper equipment costs

Audit Advantagecopy

CONSULT GUARANTEE PERFORM

Click for next page

Audit Advantage copy

Click for next page

Acting as your agent we negotiate the ldquobest programrdquo with your current processor

Since we are a processing company we know what that ldquobest programrdquo should be

We craft terms that you want not what they want

We donrsquot make any money until you save money

This program includes Audit Advantagecopy

Stay nrsquoSave copy

hellipCONSULT GUARANTEE

PERFORM

Acting as your agent we negotiate your ldquobest programrdquo with a choice of several processors

We can reach out to several processors as well as anyone else you would like

Again we craft terms that you want not what they want

Again we donrsquot make any money until you save money

This program includes Audit Advantagecopy

Click for next page

AutoBid copy

hellipCONSULT GUARANTEE

PERFORM

As a registered ISO for Visa and MasterCard we offer the ldquobest programrdquo meeting the high standards we expect from any processor

Our program offers you the opportunity to input your needs and requirements tailored for your business

Again we donrsquot make money until you save money

This program includes Audit Advantagecopy

Click for next page

Performance Plus copy

hellip CONSULT GUARANTEE PERFORM

No increase in processing rates for life

A 60-day free trial program

On going monthly audits to verify the projected savings

Guaranteed performance or no cancellation fee

True Interchange plus pricing

ldquoBest Programrdquo Standardshellip

Click for next page

CONSULT GUARANTEE PERFORM

ldquoBest Programrdquo Guaranteeshellip

Click for next page

CONSULT GUARANTEE PERFORM

Guaranteed Savings

Guaranteed Lifetime Rates

Lowest Cost Guarantee Program

Guaranteed Performance

Guaranteed No Risk Trial Period

All guarantees are in writing

Interchange is the amount that Visa MasterCard or Discover charge for the transaction

Interchange is charged by Visa MasterCard and Discover at the same rates to all merchants regardless of processor

The next slide shows interchange in more detailhellip

True Interchange-Plus Pricinghellip

CONSULT GUARANTEE PERFORM

Click for next page

Click for next page

Visa - MasterCard Assessments are 11 and Discover is 10

Interchange Price Sheethellip

Visa and MasterCard also assess a 2 cent fee per transaction

CONSULT GUARANTEE PERFORM

What the card issuer receives

Transactions are processed based on many criteria unknown to most clientsMany are misclassified usually at a higher rates resulting in higher costsProcessPoint excels in making sure your transactions are properly qualifiedWe save thousands annually for our clients by guaranteeing proper qualification

Interchange Qualification

CONSULT GUARANTEE PERFORM

Click for next page

Tiered ldquoBucket Pricing Qualified Rate ndash Only Swiped

bull Debit Cards bull Card Present only bull Consumer Cards Mid Qualified ndash Keyed

bull Card Not Present bull Internet MOTO bull With Zip Code only Non Qualified ndash Swiped or Keyed

bull Corporate Cards bull No AVS verified bull Rewards Cards bull The processor controls which bucket the transaction is dumped into bull Difficult to understand

They control your bottom line

Differential Pricing

Base Rate ndash Starting Point

Plus + Interchange Adjustments The costs are based on a number of factors bull Card Type bull Capture Method bull Industry bull Level of reward bull Margin levels

bull The Banks completely control the cost of the adjustment bull If they need to increase the margin on your account they add points to the downgrades bull When rates go up they increase the base rates and that effects every card type bull Difficult to understand

ldquoInterchange Plusrdquo Pricing

+ bull Actual Interchange Costs are passed through to you bull The + is the fee to process the transactions

bull Never an arbitrary increase bull Visa amp MasterCard control what you pay on each transaction Not the processor bull All the rates and fees are exposed Nothing is hidden

Totally transparent

Credit Card Pricing Methods

Bad Bad Good

Click for next page

True Interchange-plus Pricing Statement

A one page statement

Interchange Detail

Rate Detail

Click for next page

Terminal Do Notshellip

Do not lease a terminalDo not use a proprietary terminalDo not use a locked terminalDo not pay a PCI charge for a terminalDo not replace a terminal because someone says itrsquos not compliant (seldom the case)We believe in free loaner terminals Click for next page

CONSULT GUARANTEE PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

Our Programshellip

Click for next page

CONSULT GUARANTEE PERFORM

We have four ways we can help you

Audit Advantage copy

Stay nrsquoSave copy

AutoBid copy

Performance Plus copy

Click for next page

Determines the ldquotruthrdquo of your current program

Effective Rate analysis

Identifies rate errors or rate increases

Verifies correct interchange qualification

Detects unwarranted fees

Identifies unwarranted one time fees

Identifies improper equipment costs

Audit Advantagecopy

CONSULT GUARANTEE PERFORM

Click for next page

Audit Advantage copy

Click for next page

Acting as your agent we negotiate the ldquobest programrdquo with your current processor

Since we are a processing company we know what that ldquobest programrdquo should be

We craft terms that you want not what they want

We donrsquot make any money until you save money

This program includes Audit Advantagecopy

Stay nrsquoSave copy

hellipCONSULT GUARANTEE

PERFORM

Acting as your agent we negotiate your ldquobest programrdquo with a choice of several processors

We can reach out to several processors as well as anyone else you would like

Again we craft terms that you want not what they want

Again we donrsquot make any money until you save money

This program includes Audit Advantagecopy

Click for next page

AutoBid copy

hellipCONSULT GUARANTEE

PERFORM

As a registered ISO for Visa and MasterCard we offer the ldquobest programrdquo meeting the high standards we expect from any processor

Our program offers you the opportunity to input your needs and requirements tailored for your business

Again we donrsquot make money until you save money

This program includes Audit Advantagecopy

Click for next page

Performance Plus copy

hellip CONSULT GUARANTEE PERFORM

No increase in processing rates for life

A 60-day free trial program

On going monthly audits to verify the projected savings

Guaranteed performance or no cancellation fee

True Interchange plus pricing

ldquoBest Programrdquo Standardshellip

Click for next page

CONSULT GUARANTEE PERFORM

ldquoBest Programrdquo Guaranteeshellip

Click for next page

CONSULT GUARANTEE PERFORM

Guaranteed Savings

Guaranteed Lifetime Rates

Lowest Cost Guarantee Program

Guaranteed Performance

Guaranteed No Risk Trial Period

All guarantees are in writing

Interchange is the amount that Visa MasterCard or Discover charge for the transaction

Interchange is charged by Visa MasterCard and Discover at the same rates to all merchants regardless of processor

The next slide shows interchange in more detailhellip

True Interchange-Plus Pricinghellip

CONSULT GUARANTEE PERFORM

Click for next page

Click for next page

Visa - MasterCard Assessments are 11 and Discover is 10

Interchange Price Sheethellip

Visa and MasterCard also assess a 2 cent fee per transaction

CONSULT GUARANTEE PERFORM

What the card issuer receives

Transactions are processed based on many criteria unknown to most clientsMany are misclassified usually at a higher rates resulting in higher costsProcessPoint excels in making sure your transactions are properly qualifiedWe save thousands annually for our clients by guaranteeing proper qualification

Interchange Qualification

CONSULT GUARANTEE PERFORM

Click for next page

Tiered ldquoBucket Pricing Qualified Rate ndash Only Swiped

bull Debit Cards bull Card Present only bull Consumer Cards Mid Qualified ndash Keyed

bull Card Not Present bull Internet MOTO bull With Zip Code only Non Qualified ndash Swiped or Keyed

bull Corporate Cards bull No AVS verified bull Rewards Cards bull The processor controls which bucket the transaction is dumped into bull Difficult to understand

They control your bottom line

Differential Pricing

Base Rate ndash Starting Point

Plus + Interchange Adjustments The costs are based on a number of factors bull Card Type bull Capture Method bull Industry bull Level of reward bull Margin levels

bull The Banks completely control the cost of the adjustment bull If they need to increase the margin on your account they add points to the downgrades bull When rates go up they increase the base rates and that effects every card type bull Difficult to understand

ldquoInterchange Plusrdquo Pricing

+ bull Actual Interchange Costs are passed through to you bull The + is the fee to process the transactions

bull Never an arbitrary increase bull Visa amp MasterCard control what you pay on each transaction Not the processor bull All the rates and fees are exposed Nothing is hidden

Totally transparent

Credit Card Pricing Methods

Bad Bad Good

Click for next page

True Interchange-plus Pricing Statement

A one page statement

Interchange Detail

Rate Detail

Click for next page

Terminal Do Notshellip

Do not lease a terminalDo not use a proprietary terminalDo not use a locked terminalDo not pay a PCI charge for a terminalDo not replace a terminal because someone says itrsquos not compliant (seldom the case)We believe in free loaner terminals Click for next page

CONSULT GUARANTEE PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

Click for next page

Determines the ldquotruthrdquo of your current program

Effective Rate analysis

Identifies rate errors or rate increases

Verifies correct interchange qualification

Detects unwarranted fees

Identifies unwarranted one time fees

Identifies improper equipment costs

Audit Advantagecopy

CONSULT GUARANTEE PERFORM

Click for next page

Audit Advantage copy

Click for next page

Acting as your agent we negotiate the ldquobest programrdquo with your current processor

Since we are a processing company we know what that ldquobest programrdquo should be

We craft terms that you want not what they want

We donrsquot make any money until you save money

This program includes Audit Advantagecopy

Stay nrsquoSave copy

hellipCONSULT GUARANTEE

PERFORM

Acting as your agent we negotiate your ldquobest programrdquo with a choice of several processors

We can reach out to several processors as well as anyone else you would like

Again we craft terms that you want not what they want

Again we donrsquot make any money until you save money

This program includes Audit Advantagecopy

Click for next page

AutoBid copy

hellipCONSULT GUARANTEE

PERFORM

As a registered ISO for Visa and MasterCard we offer the ldquobest programrdquo meeting the high standards we expect from any processor

Our program offers you the opportunity to input your needs and requirements tailored for your business

Again we donrsquot make money until you save money

This program includes Audit Advantagecopy

Click for next page

Performance Plus copy

hellip CONSULT GUARANTEE PERFORM

No increase in processing rates for life

A 60-day free trial program

On going monthly audits to verify the projected savings

Guaranteed performance or no cancellation fee

True Interchange plus pricing

ldquoBest Programrdquo Standardshellip

Click for next page

CONSULT GUARANTEE PERFORM

ldquoBest Programrdquo Guaranteeshellip

Click for next page

CONSULT GUARANTEE PERFORM

Guaranteed Savings

Guaranteed Lifetime Rates

Lowest Cost Guarantee Program

Guaranteed Performance

Guaranteed No Risk Trial Period

All guarantees are in writing

Interchange is the amount that Visa MasterCard or Discover charge for the transaction

Interchange is charged by Visa MasterCard and Discover at the same rates to all merchants regardless of processor

The next slide shows interchange in more detailhellip

True Interchange-Plus Pricinghellip

CONSULT GUARANTEE PERFORM

Click for next page

Click for next page

Visa - MasterCard Assessments are 11 and Discover is 10

Interchange Price Sheethellip

Visa and MasterCard also assess a 2 cent fee per transaction

CONSULT GUARANTEE PERFORM

What the card issuer receives

Transactions are processed based on many criteria unknown to most clientsMany are misclassified usually at a higher rates resulting in higher costsProcessPoint excels in making sure your transactions are properly qualifiedWe save thousands annually for our clients by guaranteeing proper qualification

Interchange Qualification

CONSULT GUARANTEE PERFORM

Click for next page

Tiered ldquoBucket Pricing Qualified Rate ndash Only Swiped

bull Debit Cards bull Card Present only bull Consumer Cards Mid Qualified ndash Keyed

bull Card Not Present bull Internet MOTO bull With Zip Code only Non Qualified ndash Swiped or Keyed

bull Corporate Cards bull No AVS verified bull Rewards Cards bull The processor controls which bucket the transaction is dumped into bull Difficult to understand

They control your bottom line

Differential Pricing

Base Rate ndash Starting Point

Plus + Interchange Adjustments The costs are based on a number of factors bull Card Type bull Capture Method bull Industry bull Level of reward bull Margin levels

bull The Banks completely control the cost of the adjustment bull If they need to increase the margin on your account they add points to the downgrades bull When rates go up they increase the base rates and that effects every card type bull Difficult to understand

ldquoInterchange Plusrdquo Pricing

+ bull Actual Interchange Costs are passed through to you bull The + is the fee to process the transactions

bull Never an arbitrary increase bull Visa amp MasterCard control what you pay on each transaction Not the processor bull All the rates and fees are exposed Nothing is hidden

Totally transparent

Credit Card Pricing Methods

Bad Bad Good

Click for next page

True Interchange-plus Pricing Statement

A one page statement

Interchange Detail

Rate Detail

Click for next page

Terminal Do Notshellip

Do not lease a terminalDo not use a proprietary terminalDo not use a locked terminalDo not pay a PCI charge for a terminalDo not replace a terminal because someone says itrsquos not compliant (seldom the case)We believe in free loaner terminals Click for next page

CONSULT GUARANTEE PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

Click for next page

Audit Advantage copy

Click for next page

Acting as your agent we negotiate the ldquobest programrdquo with your current processor

Since we are a processing company we know what that ldquobest programrdquo should be

We craft terms that you want not what they want

We donrsquot make any money until you save money

This program includes Audit Advantagecopy

Stay nrsquoSave copy

hellipCONSULT GUARANTEE

PERFORM

Acting as your agent we negotiate your ldquobest programrdquo with a choice of several processors

We can reach out to several processors as well as anyone else you would like

Again we craft terms that you want not what they want

Again we donrsquot make any money until you save money

This program includes Audit Advantagecopy

Click for next page

AutoBid copy

hellipCONSULT GUARANTEE

PERFORM

As a registered ISO for Visa and MasterCard we offer the ldquobest programrdquo meeting the high standards we expect from any processor

Our program offers you the opportunity to input your needs and requirements tailored for your business

Again we donrsquot make money until you save money

This program includes Audit Advantagecopy

Click for next page

Performance Plus copy

hellip CONSULT GUARANTEE PERFORM

No increase in processing rates for life

A 60-day free trial program

On going monthly audits to verify the projected savings

Guaranteed performance or no cancellation fee

True Interchange plus pricing

ldquoBest Programrdquo Standardshellip

Click for next page

CONSULT GUARANTEE PERFORM

ldquoBest Programrdquo Guaranteeshellip

Click for next page

CONSULT GUARANTEE PERFORM

Guaranteed Savings

Guaranteed Lifetime Rates

Lowest Cost Guarantee Program

Guaranteed Performance

Guaranteed No Risk Trial Period

All guarantees are in writing

Interchange is the amount that Visa MasterCard or Discover charge for the transaction

Interchange is charged by Visa MasterCard and Discover at the same rates to all merchants regardless of processor

The next slide shows interchange in more detailhellip

True Interchange-Plus Pricinghellip

CONSULT GUARANTEE PERFORM

Click for next page

Click for next page

Visa - MasterCard Assessments are 11 and Discover is 10

Interchange Price Sheethellip

Visa and MasterCard also assess a 2 cent fee per transaction

CONSULT GUARANTEE PERFORM

What the card issuer receives

Transactions are processed based on many criteria unknown to most clientsMany are misclassified usually at a higher rates resulting in higher costsProcessPoint excels in making sure your transactions are properly qualifiedWe save thousands annually for our clients by guaranteeing proper qualification

Interchange Qualification

CONSULT GUARANTEE PERFORM

Click for next page

Tiered ldquoBucket Pricing Qualified Rate ndash Only Swiped

bull Debit Cards bull Card Present only bull Consumer Cards Mid Qualified ndash Keyed

bull Card Not Present bull Internet MOTO bull With Zip Code only Non Qualified ndash Swiped or Keyed

bull Corporate Cards bull No AVS verified bull Rewards Cards bull The processor controls which bucket the transaction is dumped into bull Difficult to understand

They control your bottom line

Differential Pricing

Base Rate ndash Starting Point

Plus + Interchange Adjustments The costs are based on a number of factors bull Card Type bull Capture Method bull Industry bull Level of reward bull Margin levels

bull The Banks completely control the cost of the adjustment bull If they need to increase the margin on your account they add points to the downgrades bull When rates go up they increase the base rates and that effects every card type bull Difficult to understand

ldquoInterchange Plusrdquo Pricing

+ bull Actual Interchange Costs are passed through to you bull The + is the fee to process the transactions

bull Never an arbitrary increase bull Visa amp MasterCard control what you pay on each transaction Not the processor bull All the rates and fees are exposed Nothing is hidden

Totally transparent

Credit Card Pricing Methods

Bad Bad Good

Click for next page

True Interchange-plus Pricing Statement

A one page statement

Interchange Detail

Rate Detail

Click for next page

Terminal Do Notshellip

Do not lease a terminalDo not use a proprietary terminalDo not use a locked terminalDo not pay a PCI charge for a terminalDo not replace a terminal because someone says itrsquos not compliant (seldom the case)We believe in free loaner terminals Click for next page

CONSULT GUARANTEE PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

Click for next page

Acting as your agent we negotiate the ldquobest programrdquo with your current processor

Since we are a processing company we know what that ldquobest programrdquo should be

We craft terms that you want not what they want

We donrsquot make any money until you save money

This program includes Audit Advantagecopy

Stay nrsquoSave copy

hellipCONSULT GUARANTEE

PERFORM

Acting as your agent we negotiate your ldquobest programrdquo with a choice of several processors

We can reach out to several processors as well as anyone else you would like

Again we craft terms that you want not what they want

Again we donrsquot make any money until you save money

This program includes Audit Advantagecopy

Click for next page

AutoBid copy

hellipCONSULT GUARANTEE

PERFORM

As a registered ISO for Visa and MasterCard we offer the ldquobest programrdquo meeting the high standards we expect from any processor

Our program offers you the opportunity to input your needs and requirements tailored for your business

Again we donrsquot make money until you save money

This program includes Audit Advantagecopy

Click for next page

Performance Plus copy

hellip CONSULT GUARANTEE PERFORM

No increase in processing rates for life

A 60-day free trial program

On going monthly audits to verify the projected savings

Guaranteed performance or no cancellation fee

True Interchange plus pricing

ldquoBest Programrdquo Standardshellip

Click for next page

CONSULT GUARANTEE PERFORM

ldquoBest Programrdquo Guaranteeshellip

Click for next page

CONSULT GUARANTEE PERFORM

Guaranteed Savings

Guaranteed Lifetime Rates

Lowest Cost Guarantee Program

Guaranteed Performance

Guaranteed No Risk Trial Period

All guarantees are in writing

Interchange is the amount that Visa MasterCard or Discover charge for the transaction

Interchange is charged by Visa MasterCard and Discover at the same rates to all merchants regardless of processor

The next slide shows interchange in more detailhellip

True Interchange-Plus Pricinghellip

CONSULT GUARANTEE PERFORM

Click for next page

Click for next page

Visa - MasterCard Assessments are 11 and Discover is 10

Interchange Price Sheethellip

Visa and MasterCard also assess a 2 cent fee per transaction

CONSULT GUARANTEE PERFORM

What the card issuer receives

Transactions are processed based on many criteria unknown to most clientsMany are misclassified usually at a higher rates resulting in higher costsProcessPoint excels in making sure your transactions are properly qualifiedWe save thousands annually for our clients by guaranteeing proper qualification

Interchange Qualification

CONSULT GUARANTEE PERFORM

Click for next page

Tiered ldquoBucket Pricing Qualified Rate ndash Only Swiped

bull Debit Cards bull Card Present only bull Consumer Cards Mid Qualified ndash Keyed

bull Card Not Present bull Internet MOTO bull With Zip Code only Non Qualified ndash Swiped or Keyed

bull Corporate Cards bull No AVS verified bull Rewards Cards bull The processor controls which bucket the transaction is dumped into bull Difficult to understand

They control your bottom line

Differential Pricing

Base Rate ndash Starting Point

Plus + Interchange Adjustments The costs are based on a number of factors bull Card Type bull Capture Method bull Industry bull Level of reward bull Margin levels

bull The Banks completely control the cost of the adjustment bull If they need to increase the margin on your account they add points to the downgrades bull When rates go up they increase the base rates and that effects every card type bull Difficult to understand

ldquoInterchange Plusrdquo Pricing

+ bull Actual Interchange Costs are passed through to you bull The + is the fee to process the transactions

bull Never an arbitrary increase bull Visa amp MasterCard control what you pay on each transaction Not the processor bull All the rates and fees are exposed Nothing is hidden

Totally transparent

Credit Card Pricing Methods

Bad Bad Good

Click for next page

True Interchange-plus Pricing Statement

A one page statement

Interchange Detail

Rate Detail

Click for next page

Terminal Do Notshellip

Do not lease a terminalDo not use a proprietary terminalDo not use a locked terminalDo not pay a PCI charge for a terminalDo not replace a terminal because someone says itrsquos not compliant (seldom the case)We believe in free loaner terminals Click for next page

CONSULT GUARANTEE PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

Acting as your agent we negotiate your ldquobest programrdquo with a choice of several processors

We can reach out to several processors as well as anyone else you would like

Again we craft terms that you want not what they want

Again we donrsquot make any money until you save money

This program includes Audit Advantagecopy

Click for next page

AutoBid copy

hellipCONSULT GUARANTEE

PERFORM

As a registered ISO for Visa and MasterCard we offer the ldquobest programrdquo meeting the high standards we expect from any processor

Our program offers you the opportunity to input your needs and requirements tailored for your business

Again we donrsquot make money until you save money

This program includes Audit Advantagecopy

Click for next page

Performance Plus copy

hellip CONSULT GUARANTEE PERFORM

No increase in processing rates for life

A 60-day free trial program

On going monthly audits to verify the projected savings

Guaranteed performance or no cancellation fee

True Interchange plus pricing

ldquoBest Programrdquo Standardshellip

Click for next page

CONSULT GUARANTEE PERFORM

ldquoBest Programrdquo Guaranteeshellip

Click for next page

CONSULT GUARANTEE PERFORM

Guaranteed Savings

Guaranteed Lifetime Rates

Lowest Cost Guarantee Program

Guaranteed Performance

Guaranteed No Risk Trial Period

All guarantees are in writing

Interchange is the amount that Visa MasterCard or Discover charge for the transaction

Interchange is charged by Visa MasterCard and Discover at the same rates to all merchants regardless of processor

The next slide shows interchange in more detailhellip

True Interchange-Plus Pricinghellip

CONSULT GUARANTEE PERFORM

Click for next page

Click for next page

Visa - MasterCard Assessments are 11 and Discover is 10

Interchange Price Sheethellip

Visa and MasterCard also assess a 2 cent fee per transaction

CONSULT GUARANTEE PERFORM

What the card issuer receives

Transactions are processed based on many criteria unknown to most clientsMany are misclassified usually at a higher rates resulting in higher costsProcessPoint excels in making sure your transactions are properly qualifiedWe save thousands annually for our clients by guaranteeing proper qualification

Interchange Qualification

CONSULT GUARANTEE PERFORM

Click for next page

Tiered ldquoBucket Pricing Qualified Rate ndash Only Swiped

bull Debit Cards bull Card Present only bull Consumer Cards Mid Qualified ndash Keyed

bull Card Not Present bull Internet MOTO bull With Zip Code only Non Qualified ndash Swiped or Keyed

bull Corporate Cards bull No AVS verified bull Rewards Cards bull The processor controls which bucket the transaction is dumped into bull Difficult to understand

They control your bottom line

Differential Pricing

Base Rate ndash Starting Point

Plus + Interchange Adjustments The costs are based on a number of factors bull Card Type bull Capture Method bull Industry bull Level of reward bull Margin levels

bull The Banks completely control the cost of the adjustment bull If they need to increase the margin on your account they add points to the downgrades bull When rates go up they increase the base rates and that effects every card type bull Difficult to understand

ldquoInterchange Plusrdquo Pricing

+ bull Actual Interchange Costs are passed through to you bull The + is the fee to process the transactions

bull Never an arbitrary increase bull Visa amp MasterCard control what you pay on each transaction Not the processor bull All the rates and fees are exposed Nothing is hidden

Totally transparent

Credit Card Pricing Methods

Bad Bad Good

Click for next page

True Interchange-plus Pricing Statement

A one page statement

Interchange Detail

Rate Detail

Click for next page

Terminal Do Notshellip

Do not lease a terminalDo not use a proprietary terminalDo not use a locked terminalDo not pay a PCI charge for a terminalDo not replace a terminal because someone says itrsquos not compliant (seldom the case)We believe in free loaner terminals Click for next page

CONSULT GUARANTEE PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

As a registered ISO for Visa and MasterCard we offer the ldquobest programrdquo meeting the high standards we expect from any processor

Our program offers you the opportunity to input your needs and requirements tailored for your business

Again we donrsquot make money until you save money

This program includes Audit Advantagecopy

Click for next page

Performance Plus copy

hellip CONSULT GUARANTEE PERFORM

No increase in processing rates for life

A 60-day free trial program

On going monthly audits to verify the projected savings

Guaranteed performance or no cancellation fee

True Interchange plus pricing

ldquoBest Programrdquo Standardshellip

Click for next page

CONSULT GUARANTEE PERFORM

ldquoBest Programrdquo Guaranteeshellip

Click for next page

CONSULT GUARANTEE PERFORM

Guaranteed Savings

Guaranteed Lifetime Rates

Lowest Cost Guarantee Program

Guaranteed Performance

Guaranteed No Risk Trial Period

All guarantees are in writing

Interchange is the amount that Visa MasterCard or Discover charge for the transaction

Interchange is charged by Visa MasterCard and Discover at the same rates to all merchants regardless of processor

The next slide shows interchange in more detailhellip

True Interchange-Plus Pricinghellip

CONSULT GUARANTEE PERFORM

Click for next page

Click for next page

Visa - MasterCard Assessments are 11 and Discover is 10

Interchange Price Sheethellip

Visa and MasterCard also assess a 2 cent fee per transaction

CONSULT GUARANTEE PERFORM

What the card issuer receives

Transactions are processed based on many criteria unknown to most clientsMany are misclassified usually at a higher rates resulting in higher costsProcessPoint excels in making sure your transactions are properly qualifiedWe save thousands annually for our clients by guaranteeing proper qualification

Interchange Qualification

CONSULT GUARANTEE PERFORM

Click for next page

Tiered ldquoBucket Pricing Qualified Rate ndash Only Swiped

bull Debit Cards bull Card Present only bull Consumer Cards Mid Qualified ndash Keyed

bull Card Not Present bull Internet MOTO bull With Zip Code only Non Qualified ndash Swiped or Keyed

bull Corporate Cards bull No AVS verified bull Rewards Cards bull The processor controls which bucket the transaction is dumped into bull Difficult to understand

They control your bottom line

Differential Pricing

Base Rate ndash Starting Point

Plus + Interchange Adjustments The costs are based on a number of factors bull Card Type bull Capture Method bull Industry bull Level of reward bull Margin levels

bull The Banks completely control the cost of the adjustment bull If they need to increase the margin on your account they add points to the downgrades bull When rates go up they increase the base rates and that effects every card type bull Difficult to understand

ldquoInterchange Plusrdquo Pricing

+ bull Actual Interchange Costs are passed through to you bull The + is the fee to process the transactions

bull Never an arbitrary increase bull Visa amp MasterCard control what you pay on each transaction Not the processor bull All the rates and fees are exposed Nothing is hidden

Totally transparent

Credit Card Pricing Methods

Bad Bad Good

Click for next page

True Interchange-plus Pricing Statement

A one page statement

Interchange Detail

Rate Detail

Click for next page

Terminal Do Notshellip

Do not lease a terminalDo not use a proprietary terminalDo not use a locked terminalDo not pay a PCI charge for a terminalDo not replace a terminal because someone says itrsquos not compliant (seldom the case)We believe in free loaner terminals Click for next page

CONSULT GUARANTEE PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

No increase in processing rates for life

A 60-day free trial program

On going monthly audits to verify the projected savings

Guaranteed performance or no cancellation fee

True Interchange plus pricing

ldquoBest Programrdquo Standardshellip

Click for next page

CONSULT GUARANTEE PERFORM

ldquoBest Programrdquo Guaranteeshellip

Click for next page

CONSULT GUARANTEE PERFORM

Guaranteed Savings

Guaranteed Lifetime Rates

Lowest Cost Guarantee Program

Guaranteed Performance

Guaranteed No Risk Trial Period

All guarantees are in writing

Interchange is the amount that Visa MasterCard or Discover charge for the transaction

Interchange is charged by Visa MasterCard and Discover at the same rates to all merchants regardless of processor

The next slide shows interchange in more detailhellip

True Interchange-Plus Pricinghellip

CONSULT GUARANTEE PERFORM

Click for next page

Click for next page

Visa - MasterCard Assessments are 11 and Discover is 10

Interchange Price Sheethellip

Visa and MasterCard also assess a 2 cent fee per transaction

CONSULT GUARANTEE PERFORM

What the card issuer receives

Transactions are processed based on many criteria unknown to most clientsMany are misclassified usually at a higher rates resulting in higher costsProcessPoint excels in making sure your transactions are properly qualifiedWe save thousands annually for our clients by guaranteeing proper qualification

Interchange Qualification

CONSULT GUARANTEE PERFORM

Click for next page

Tiered ldquoBucket Pricing Qualified Rate ndash Only Swiped

bull Debit Cards bull Card Present only bull Consumer Cards Mid Qualified ndash Keyed

bull Card Not Present bull Internet MOTO bull With Zip Code only Non Qualified ndash Swiped or Keyed

bull Corporate Cards bull No AVS verified bull Rewards Cards bull The processor controls which bucket the transaction is dumped into bull Difficult to understand

They control your bottom line

Differential Pricing

Base Rate ndash Starting Point

Plus + Interchange Adjustments The costs are based on a number of factors bull Card Type bull Capture Method bull Industry bull Level of reward bull Margin levels

bull The Banks completely control the cost of the adjustment bull If they need to increase the margin on your account they add points to the downgrades bull When rates go up they increase the base rates and that effects every card type bull Difficult to understand

ldquoInterchange Plusrdquo Pricing

+ bull Actual Interchange Costs are passed through to you bull The + is the fee to process the transactions

bull Never an arbitrary increase bull Visa amp MasterCard control what you pay on each transaction Not the processor bull All the rates and fees are exposed Nothing is hidden

Totally transparent

Credit Card Pricing Methods

Bad Bad Good

Click for next page

True Interchange-plus Pricing Statement

A one page statement

Interchange Detail

Rate Detail

Click for next page

Terminal Do Notshellip

Do not lease a terminalDo not use a proprietary terminalDo not use a locked terminalDo not pay a PCI charge for a terminalDo not replace a terminal because someone says itrsquos not compliant (seldom the case)We believe in free loaner terminals Click for next page

CONSULT GUARANTEE PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

ldquoBest Programrdquo Guaranteeshellip

Click for next page

CONSULT GUARANTEE PERFORM

Guaranteed Savings

Guaranteed Lifetime Rates

Lowest Cost Guarantee Program

Guaranteed Performance

Guaranteed No Risk Trial Period

All guarantees are in writing

Interchange is the amount that Visa MasterCard or Discover charge for the transaction

Interchange is charged by Visa MasterCard and Discover at the same rates to all merchants regardless of processor

The next slide shows interchange in more detailhellip

True Interchange-Plus Pricinghellip

CONSULT GUARANTEE PERFORM

Click for next page

Click for next page

Visa - MasterCard Assessments are 11 and Discover is 10

Interchange Price Sheethellip

Visa and MasterCard also assess a 2 cent fee per transaction

CONSULT GUARANTEE PERFORM

What the card issuer receives

Transactions are processed based on many criteria unknown to most clientsMany are misclassified usually at a higher rates resulting in higher costsProcessPoint excels in making sure your transactions are properly qualifiedWe save thousands annually for our clients by guaranteeing proper qualification

Interchange Qualification

CONSULT GUARANTEE PERFORM

Click for next page

Tiered ldquoBucket Pricing Qualified Rate ndash Only Swiped

bull Debit Cards bull Card Present only bull Consumer Cards Mid Qualified ndash Keyed

bull Card Not Present bull Internet MOTO bull With Zip Code only Non Qualified ndash Swiped or Keyed

bull Corporate Cards bull No AVS verified bull Rewards Cards bull The processor controls which bucket the transaction is dumped into bull Difficult to understand

They control your bottom line

Differential Pricing

Base Rate ndash Starting Point

Plus + Interchange Adjustments The costs are based on a number of factors bull Card Type bull Capture Method bull Industry bull Level of reward bull Margin levels

bull The Banks completely control the cost of the adjustment bull If they need to increase the margin on your account they add points to the downgrades bull When rates go up they increase the base rates and that effects every card type bull Difficult to understand

ldquoInterchange Plusrdquo Pricing

+ bull Actual Interchange Costs are passed through to you bull The + is the fee to process the transactions

bull Never an arbitrary increase bull Visa amp MasterCard control what you pay on each transaction Not the processor bull All the rates and fees are exposed Nothing is hidden

Totally transparent

Credit Card Pricing Methods

Bad Bad Good

Click for next page

True Interchange-plus Pricing Statement

A one page statement

Interchange Detail

Rate Detail

Click for next page

Terminal Do Notshellip

Do not lease a terminalDo not use a proprietary terminalDo not use a locked terminalDo not pay a PCI charge for a terminalDo not replace a terminal because someone says itrsquos not compliant (seldom the case)We believe in free loaner terminals Click for next page

CONSULT GUARANTEE PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

Interchange is the amount that Visa MasterCard or Discover charge for the transaction

Interchange is charged by Visa MasterCard and Discover at the same rates to all merchants regardless of processor

The next slide shows interchange in more detailhellip

True Interchange-Plus Pricinghellip

CONSULT GUARANTEE PERFORM

Click for next page

Click for next page

Visa - MasterCard Assessments are 11 and Discover is 10

Interchange Price Sheethellip

Visa and MasterCard also assess a 2 cent fee per transaction

CONSULT GUARANTEE PERFORM

What the card issuer receives

Transactions are processed based on many criteria unknown to most clientsMany are misclassified usually at a higher rates resulting in higher costsProcessPoint excels in making sure your transactions are properly qualifiedWe save thousands annually for our clients by guaranteeing proper qualification

Interchange Qualification

CONSULT GUARANTEE PERFORM

Click for next page

Tiered ldquoBucket Pricing Qualified Rate ndash Only Swiped

bull Debit Cards bull Card Present only bull Consumer Cards Mid Qualified ndash Keyed

bull Card Not Present bull Internet MOTO bull With Zip Code only Non Qualified ndash Swiped or Keyed

bull Corporate Cards bull No AVS verified bull Rewards Cards bull The processor controls which bucket the transaction is dumped into bull Difficult to understand

They control your bottom line

Differential Pricing

Base Rate ndash Starting Point

Plus + Interchange Adjustments The costs are based on a number of factors bull Card Type bull Capture Method bull Industry bull Level of reward bull Margin levels

bull The Banks completely control the cost of the adjustment bull If they need to increase the margin on your account they add points to the downgrades bull When rates go up they increase the base rates and that effects every card type bull Difficult to understand

ldquoInterchange Plusrdquo Pricing

+ bull Actual Interchange Costs are passed through to you bull The + is the fee to process the transactions

bull Never an arbitrary increase bull Visa amp MasterCard control what you pay on each transaction Not the processor bull All the rates and fees are exposed Nothing is hidden

Totally transparent

Credit Card Pricing Methods

Bad Bad Good

Click for next page

True Interchange-plus Pricing Statement

A one page statement

Interchange Detail

Rate Detail

Click for next page

Terminal Do Notshellip

Do not lease a terminalDo not use a proprietary terminalDo not use a locked terminalDo not pay a PCI charge for a terminalDo not replace a terminal because someone says itrsquos not compliant (seldom the case)We believe in free loaner terminals Click for next page

CONSULT GUARANTEE PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

Click for next page

Visa - MasterCard Assessments are 11 and Discover is 10

Interchange Price Sheethellip

Visa and MasterCard also assess a 2 cent fee per transaction

CONSULT GUARANTEE PERFORM

What the card issuer receives

Transactions are processed based on many criteria unknown to most clientsMany are misclassified usually at a higher rates resulting in higher costsProcessPoint excels in making sure your transactions are properly qualifiedWe save thousands annually for our clients by guaranteeing proper qualification

Interchange Qualification

CONSULT GUARANTEE PERFORM

Click for next page

Tiered ldquoBucket Pricing Qualified Rate ndash Only Swiped

bull Debit Cards bull Card Present only bull Consumer Cards Mid Qualified ndash Keyed

bull Card Not Present bull Internet MOTO bull With Zip Code only Non Qualified ndash Swiped or Keyed

bull Corporate Cards bull No AVS verified bull Rewards Cards bull The processor controls which bucket the transaction is dumped into bull Difficult to understand

They control your bottom line

Differential Pricing

Base Rate ndash Starting Point

Plus + Interchange Adjustments The costs are based on a number of factors bull Card Type bull Capture Method bull Industry bull Level of reward bull Margin levels

bull The Banks completely control the cost of the adjustment bull If they need to increase the margin on your account they add points to the downgrades bull When rates go up they increase the base rates and that effects every card type bull Difficult to understand

ldquoInterchange Plusrdquo Pricing

+ bull Actual Interchange Costs are passed through to you bull The + is the fee to process the transactions

bull Never an arbitrary increase bull Visa amp MasterCard control what you pay on each transaction Not the processor bull All the rates and fees are exposed Nothing is hidden

Totally transparent

Credit Card Pricing Methods

Bad Bad Good

Click for next page

True Interchange-plus Pricing Statement

A one page statement

Interchange Detail

Rate Detail

Click for next page

Terminal Do Notshellip

Do not lease a terminalDo not use a proprietary terminalDo not use a locked terminalDo not pay a PCI charge for a terminalDo not replace a terminal because someone says itrsquos not compliant (seldom the case)We believe in free loaner terminals Click for next page

CONSULT GUARANTEE PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

Transactions are processed based on many criteria unknown to most clientsMany are misclassified usually at a higher rates resulting in higher costsProcessPoint excels in making sure your transactions are properly qualifiedWe save thousands annually for our clients by guaranteeing proper qualification

Interchange Qualification

CONSULT GUARANTEE PERFORM

Click for next page

Tiered ldquoBucket Pricing Qualified Rate ndash Only Swiped

bull Debit Cards bull Card Present only bull Consumer Cards Mid Qualified ndash Keyed

bull Card Not Present bull Internet MOTO bull With Zip Code only Non Qualified ndash Swiped or Keyed

bull Corporate Cards bull No AVS verified bull Rewards Cards bull The processor controls which bucket the transaction is dumped into bull Difficult to understand

They control your bottom line

Differential Pricing

Base Rate ndash Starting Point

Plus + Interchange Adjustments The costs are based on a number of factors bull Card Type bull Capture Method bull Industry bull Level of reward bull Margin levels

bull The Banks completely control the cost of the adjustment bull If they need to increase the margin on your account they add points to the downgrades bull When rates go up they increase the base rates and that effects every card type bull Difficult to understand

ldquoInterchange Plusrdquo Pricing

+ bull Actual Interchange Costs are passed through to you bull The + is the fee to process the transactions

bull Never an arbitrary increase bull Visa amp MasterCard control what you pay on each transaction Not the processor bull All the rates and fees are exposed Nothing is hidden

Totally transparent

Credit Card Pricing Methods

Bad Bad Good

Click for next page

True Interchange-plus Pricing Statement

A one page statement

Interchange Detail

Rate Detail

Click for next page

Terminal Do Notshellip

Do not lease a terminalDo not use a proprietary terminalDo not use a locked terminalDo not pay a PCI charge for a terminalDo not replace a terminal because someone says itrsquos not compliant (seldom the case)We believe in free loaner terminals Click for next page

CONSULT GUARANTEE PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

Tiered ldquoBucket Pricing Qualified Rate ndash Only Swiped

bull Debit Cards bull Card Present only bull Consumer Cards Mid Qualified ndash Keyed

bull Card Not Present bull Internet MOTO bull With Zip Code only Non Qualified ndash Swiped or Keyed

bull Corporate Cards bull No AVS verified bull Rewards Cards bull The processor controls which bucket the transaction is dumped into bull Difficult to understand

They control your bottom line

Differential Pricing

Base Rate ndash Starting Point

Plus + Interchange Adjustments The costs are based on a number of factors bull Card Type bull Capture Method bull Industry bull Level of reward bull Margin levels

bull The Banks completely control the cost of the adjustment bull If they need to increase the margin on your account they add points to the downgrades bull When rates go up they increase the base rates and that effects every card type bull Difficult to understand

ldquoInterchange Plusrdquo Pricing

+ bull Actual Interchange Costs are passed through to you bull The + is the fee to process the transactions

bull Never an arbitrary increase bull Visa amp MasterCard control what you pay on each transaction Not the processor bull All the rates and fees are exposed Nothing is hidden

Totally transparent

Credit Card Pricing Methods

Bad Bad Good

Click for next page

True Interchange-plus Pricing Statement

A one page statement

Interchange Detail

Rate Detail

Click for next page

Terminal Do Notshellip

Do not lease a terminalDo not use a proprietary terminalDo not use a locked terminalDo not pay a PCI charge for a terminalDo not replace a terminal because someone says itrsquos not compliant (seldom the case)We believe in free loaner terminals Click for next page

CONSULT GUARANTEE PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

True Interchange-plus Pricing Statement

A one page statement

Interchange Detail

Rate Detail

Click for next page

Terminal Do Notshellip

Do not lease a terminalDo not use a proprietary terminalDo not use a locked terminalDo not pay a PCI charge for a terminalDo not replace a terminal because someone says itrsquos not compliant (seldom the case)We believe in free loaner terminals Click for next page

CONSULT GUARANTEE PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

Terminal Do Notshellip

Do not lease a terminalDo not use a proprietary terminalDo not use a locked terminalDo not pay a PCI charge for a terminalDo not replace a terminal because someone says itrsquos not compliant (seldom the case)We believe in free loaner terminals Click for next page

CONSULT GUARANTEE PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

A few of our customershellip

Click for next page

CONSULT GUARANTEE PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

Nathan KenyonVice President of Finance

Larry H Miller Entertainment

He can be reached at 801-325-2756 or at nkenyonutahjazzcom

Click for next page

A Recent Success CONSULT GUARANTEE

PERFORM

Steve Schmidt 801-355-0602 x204 or at

stevegetprocesspointcom

ConsultantsCONSULT GUARANTEE

PERFORM

Brooke Gaztambide801-355-0602 x203 or at

brookegetprocesspointcom

Click here for the ProcessPoint website