Genius™ Customer Engagement Platform™

1. Genius™Customer Engagement Platform™ Providing Your Customers the “Big Box” Check-out Experience For Agent Training

2. Presentation Assumptions Designed to be a detailed training resource for our Agents Suggested speaking notes included in notes section Slides speak to the merchant audience A separate condensed presentation, with suggested slides, for merchant sales calls is available Please feel free to incorporate any of these more detailed slides into your merchant sales presentation

3. “Your Challenge” How do you meet customer demands and preferences AND keep up the with ever-changing payments industry in order to grow your business? Mobile wallets Loyalty and Gift DEVELOPERS CUSTOMERS MERCHANT Risk Security Regulation Compliance Technology Administration Partnerships Coupons

4. “Consumer Challenges” What they use What they have What they want Easy-to-Use Coupons Convenience Security Loyalty Speed Offers smartphone cash credit & debit

5. Consumer Demand is Building • 73% • of consumers say they have used their mobile phone in a store. • - Source: Interactive Advertising Bureau • 55% • of consumers express an interest in mobile coupons but only 10% have actually receive one from a merchant. • - Source: Mercator Advisory Group, 2012 • Smartphone influence on retail store sales will grow to 19% of sales by 2015, up from 5.1% in 2012. • - Source: Deloitte

6. Future Predictions • 65% of tech experts believe CASH, CREDIT CARDS may be obsolete by 2020. • - Source: Pew Research Center • By 2016, there will be 448M mobile payment users worldwide. • - Source: Gartner • By 2017, worldwide purchase volume over mobile devices will reach $1 Trillion. • - Source: IDC Financial Insights

7. Your Opportunity Never turn away a paying customer! Your business must take advantage of the uncertainty and complexity with today’s payment options and turn these conditions into a competitive advantage that helps your business grow.

8. Your Solution – Today and Tomorrow Genius™ Customer Engagement Platform™ The only payment technology solution that securely integrates and aggregates every payment type and mobile commerce program into a single platform. “App Store” Solution Center – the de facto marketplace for all your payment needs Cloud-based remote administration & merchant dashboard portal Never turn away a paying customer™

9. Value of Genius - Today Robust solution to power your business today

10. Value of Genius - Tomorrow Future-proof solution that evolves with your business Solving the problem of how to support traditional credit/debit payments AND mobile commerce on your countertop - all from a single device. Mobile Commerce Ready Accept any mobile payment via NFC/QR codes Deploy profitable customer loyalty/reward programs, offers and coupons Simple Setup Cloud-based payment “App Store” for easy management Web-based remote administration of all CEDs to ensure a unified customer experience across all locations

11. Lower Risk EMV-Ready Solution • Customer Engagement Device (CED) is EMV-ready • No additional hardware swaps required to comply • Prepare for 2015 Liability Shift on your terms • Software update when ready to accept EMV cards • Hassle-free acceptance of “Chip and PIN” card purchases • Increase sales from international shoppers POS is “Out of Scope” for PA-DSS • No sensitive data passes through the POS • Dramatically reduces cost, resource, time required to complete PCI audits • Enhanced security to ward off hackers • Tokenization • Point-to-Point Encryption (P2PE) • Clerks no longer handle credit cards

12. Smarter POS Transactions

13. Lower Costs • Intelligent PIN Steering • Fast, secure BINsmart™ technology • Automatically assesses card transactions • Determine payment acceptance by credit or PIN Debit • Reduces interchange fees • Minimizes merchant account fees • Significant savings in monthly processing

14. Value-Added Capabilities SKU Display • Legal requirement by most states • Costly fines for non-compliance • Eliminate the need for pole display hardware • Save money • Improved aesthetics at the point of purchase • Eliminate errors with real-time purchase verification • Reduced number of refunds and charge-backs Digital Signature Capture • Signatures captured directly on CED • Save money on receipt storage, administration & paper cost • Less painful chargebacks • Reduce time at check-out • Contributes to key metric: # of customers/day • Improves overall customer experience NFC Contactless Payments • NFC acceptance built into CED “behind the glass” • No additional hardware to purchase and/or swap • Out-of-the-box support for multiple options • “Tap-to-pay” credit cards from numerous issuers • Mobile wallets on smartphones

15. Streamlined Support 100% US-based customer and partner support 24/7/365 technical support Industry-rated best in class service times We are committed to ensuring our partners and merchants receive the superior support.

16. Contact Information Christopher O’Banion, ISO 317-652-2815 317-663-0719 Fax cobanion@capitalbankcard.com 6430 Kentstone Dr. Indianapolis, IN 46268

17. Appendix

18. Genius Product Family Flexibility – Security – Access – Growth A Genius solutions to fit your business need “Never turn away a paying customer”

19. Optimize the Customer Experience