Introducing PayLo by Signapay - A patented technology that allows merchants to offset their credit card

processing costs by applying a small customer service charge to each sale they make. The PayLo Cash

Discount software is installed on the payment terminal and encourages customers to pay with cash. If a

payment is made with cash, a discount equaling the customer service fee is automatically applied to the sale.

The PayLo Cash Discount software automatically determines service fees and discount amounts based on

payment type. It’s simple, transparent and sounds easy because it is. Get Started Now!

For more information please contact:

signapay.com4100 W. Royal Lane, Suite 150 | Irving, TX 75063 | 800-944-1399

SignaPay is a registered ISO of Merrick Bank, South Jordan UT., Wells Fargo Bank, N.A., Walnut Creek, CA, Esquire Bank, Garden City, NY., and the Canadian branch of U.S. Bank National Association and Elavon© Copyright 2006 - 2017, All Rights Reserved, SignaPay, LTD. 2006.

In a world of sameness, we’re giving you options.

PayLo_04.19.17

COMPARE PayLo - The way to go!• Available for all credit cards types, apple pay.

• Fully mobile payment technology with wireless terminals

• The ONLY legally compliant automatic cash discount software available in the country (US Patents # 8423439, #8478689, #8131619B1)

• EMV chip card terminal INCLUDED.

• No setup fee, hidden costs or obligation

• No Pin pad required

Standard PayLo by SignaPay

Total Monthly Volume $49,488.35 $49,488.35

Monthly Credit Card Fees $1,143.18 $99.95

Total Annual Cost $13,718.16 $1,199.40

Total Annual Savings: $12,518.76Payment Method Icons

by Dreamstale.com

Payment Method Icons

by Dreamstale.com

Payment Method Icons

by Dreamstale.com

Payment Method Icons

by Dreamstale.com

by SignaPay

AUTHORIZED PARTNER

REGULATIONS OF CARD PROVIDERS, STATE LAW & FEDERAL LAW

By uniformly assessing a set customer service fee across all products and payment types, merchants utilizing the PayLo

Cash Discount program meet the standard regulations set forth by all major card service providers, state law and federal

law. As part of our regular standard list product pricing a small service fee (much like an automatic service gratuity applied

in some dining locations) is assessed on ALL sales regardless of how payment is made including checks, cash, credit-debit

cards, gift cards, etc. As stated in the Durbin Amendment §124.STAT.2073, 9b2 (www.napcp.org/page/DurbinAmendment)

businesses are permitted to offer a discount to customers as an incentive and to encourage customers to pay by

alternative methods other than a credit/debit cards including either checks or cash in order to automatically receive a

discount which is applied at the time of sale.

Please understand it makes no difference whether a PIN was entered or not. Under the Durbin Amendment there is no

distinction between using a PIN or not and if the card is a bank debit card it is always considered a debit transaction – with

or without a PIN number and never would such a transaction be considered a credit sale.

As of January 27, 2013 several Card industry changes went into effect with regards to the credit card company’s federal

class action litigation settlement. The settlement requires Visa and MasterCard to change some rules for merchants who

accept their cards, including allowing merchants to “offer discounts to customers who pay with payment forms less

expensive than Bank Debit cards”.

Clear and conspicuous signage is required by law to be displayed at the business

entry point and at the point-of-sale to easily and accurately explain the discount

program payment options – if a customer chooses to pay with cash or check the

service charge is discounted. The customer service fee or discounted amount must

be present on any generated receipts from the transaction. SignaPay also suggests

verbally offering the customer a discount for cash payment. PayLo cash discount

program automates the cash discount process by applying the customer service fee

at the time of sale or removing the fee if the buyer pays in cash. The software behind

the PayLo Cash Discount program has been vetted and approved by all major credit

card providers.

For more details or to request copies of the approval letters, please call 972.894.1139.

For more credit card service rules visit: signapay.com/paylo/compliance

signapay.com4100 W. Royal Lane, Suite 150 | Irving, TX 75063 | 800-944-1399PayLo_04.19.17

CUSTOMER PRICING NOTICEA .89¢ customer service charge is

applied to all store sales.

CASH DISCOUNTAs an incentive for customers we now provide a discount to pay with cash or

in-store gift card by giving a .89¢ immediate discount on service charge.

PAY BY CASH AND SAVE!

(Example of signage sticker)

SignaPay is a registered ISO of Merrick Bank, South Jordan UT., Wells Fargo Bank, N.A., Walnut Creek, CA, Esquire Bank, Garden City, NY., and the Canadian branch of U.S. Bank National Association and Elavon© Copyright 2006 - 2017, All Rights Reserved, SignaPay, LTD. 2006.