Value Added Services

1. Gift Card Programs
2. Check Services
3. Equipment Leasing
4. Merchant Funding

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GIFT CARD PROGRAMS

Electronic Gift Cards have become increasingly popular among all types of merchants. Gift Card studies in 2005 show that the average gift card buyer will purchase 5.5 gift cards per year, with an average dollar value of $44.00. The same studies show that 56% of gift card recipients spend more than the value of the card. Gift Cards attract new customers, build a merchant's brand awareness, increase sales and provide a valuable retention tool.*

Priority Payment Systems offers Gift Card solutions through 2 providers: GETI (Global ETelecom, Inc) and First Data Corporation. Both programs offer standard packages as well as Custom Card options. This allows you more choices of card graphics for your merchants and a wider variety of terminal and software options for acceptance. All out-of-the-box programs include marketing materials and card carriers.

Gift Card Programs

	FIRST DATA	GETI
Introductory Program (includes carriers, decals,)	100 cards - 4 design options, Merchant Name	30 cards - 8 design options
Standard Program	Minimum 500 cards - over 50 design options, 4 text line, optional icons available	100 cards - 8 design options, Merchant Name, marketing materials
Deluxe Program	N/A	500 cards - 8 design options, 2 text lines, marketing materials
Custom Cards	Minimum 1000 cards	Minimum 500 cards
Card/Carrier Reorders	Minimum 500	Minimum 500
Delivery time	Standard Cards - Shipped within 20 days of completed application Custom Card - Shipped within 20 days of approval of proof	Standard Cards - Shipped 14 to 21 days from completed application Custom Card - Shipped 14 to 21 days of approval of proof

*2005 ValueLink Consumer Insights Study

CHECK SERVICES

Why do merchants still accept checks with all the other forms of payment available? Over 90% of shoppers have checking accounts. Checks are considered a safe method of payment. They allow shoppers to spend more, offer easy record keeping and avoid paying credit card interest rates.

Check acceptance is easier than ever before through a variety of check services:

• Verification allows merchants to confirm the customer is not listed on national databases for bad checks.
• Guarantee ensures that the merchant is protected in case the check is returned for any reason.
• Conversion saves time and money by converting the paper into an ACH debit to the check writer's account and creating a deposit into the merchant's account.

Priority Payment Systems has partnered with 3 check service providers to offer multiple options for merchants. These check service providers offer a variety of rates, fees, and Point of Sales solutions to make sure that it is a perfect fit for the merchant.

Electronic Check Conversion/Guarantee Comparison

	CPS	GETI	TeleCheck
Monthly Minimum	No	Yes	Yes
Statement Fee	Yes	Yes	Yes
Rate	Variable based on merchant type	Fixed rate	Variable based on merchant type
Transaction Fee	Yes	Yes	Yes
One-Time Signing Bonus	No	No	Yes
Collection Fee	Free	N/A	N/A

Check Verification Comparison

	CPS	GETI	TeleCheck
Monthly Minimum	No	Yes	N/A
Statement Fee	Yes	Yes	N/A
Transaction Fee	Yes	Yes	N/A
One-Time Bonus	N/A	N/A	N/A
Collection Fee	Free	N/A	N/A

EQUIPMENT LEASING

Choosing where to spend their money can be a balancing act for some businesses. Some merchants may choose to purchase Point of Sale equipment as a one time expense. Others may opt to lease for tax advantages or to avoid large cash payouts. Leasing allows a small or start-up business to afford more expensive equipment than they could purchase outright. It allows the merchant to make monthly payments over a specified period of time.

Priority Payment Systems offers leasing through our partnership with First Data Global Leasing. Leasing is made even easier since it is integrated into the standard Merchant Application and Program Guide, avoiding long, cumbersome paperwork. Merchants can opt for a 24, 36, or 48 month lease. Our lease agreement offers a buy-out option at the end of the term for as little as 10% in some cases. Merchants are debited directly by FDGL for the agreed-upon monthly payment amount. Merchants may complete a verification form or do a verbal verification with FDGL to facilitate funding. Lease cap amounts are in place to assure that monthly payments stay competitive with the market. Lease factors are based on the credit rating of the merchant.

MERCHANT FUNDING

In recent years, merchants have found that banks and lending institutions are not always able to accommodate the need for smaller, short term loans. Since a merchant's credit card transactions represent a large part of their cash flow, merchants can now receive advanced funding against those receivables. Priority Payment Systems works with several advanced funding companies so that payments can be redirected from the daily batches back to the funding source.