Experience, Reputation and Reliability Contact: 701-277-8955 takevisamastercard

1. Experience, Reputation and ReliabilityContact: 701-277-8955 www.takevisamastercard.com Prepared for: Bank/Credit Union Bank/Credit Union Officer Date, 2007

2. NPC Company Overview • 6th Largest Provider of Merchant Acquiring Services in the United States with over 40 years of history in the payment processing industry. • Largest Merchant Acquirer Focused on ISO Centric Business Model. • Largest Merchant Acquirer Exclusively Serving Small/Medium Merchants. • Industry Leading Merchant Boarding & CRM Technology. • Large-Scale, Broad-Based Service Provider With Emphasis on Service Quality. • Over 275,000 Merchant Outlets • Over $25 billion in Annual Sales Volume • Over 340 million Transactions per Year • Total Number of Employees: 600 • Louisville: 230 • Houston: 220 • Chicago: 100 • Field: 50 National Processing Company

3. NPC Company Overview National Processing Company is the leading provider to the small & mid-sized merchant segment Merchant Market Participants(# of Merchant Outlets) National Processing Company

4. Heritage of NPC Acquired merchant businesses from NCC banking subsidiaries NPC became a NYSE publicly traded company First National Bank (FNB) of Louisville acquires MasterCharge Acquired by ITPS. ITPS changes name to NPC Formed a merchant processing JV with ABN Amro USA Expanded into Debit card processing NPC established as separate subsidiary of FNB Acquired regional merchant portfolio from Heartland Payment Systems Acquired Best Payment Solutions 1964 1974 1988 1994 1997 2004 2001 2006 1999 1967 1979 1992 1996 2003 Acquired Financial Alliance, moving company into regional merchant acquiring FNB merges with National City Corporation (NCC) Acquired by B of A for $1.4 billion MasterCharge Founded in Louisville, KY NPC becomes wholly owned subsidiary of NCC 1999-2001: Exited all non-merchant businesses (check processing, remittance, payables, freight, and BPO) and expanded presence in regional merchant sector Diversified into merchant acquiring business Processed over 1 billion credit transactions National Processing Company

5. Industry Trends • Within this overall segment, there are an estimated 23 million small businesses in the U.S. • Only 27% of them accept card based payment • An estimated 580,000 new small businesses will open every year in the U.S. • In 2005 over 950,000 US merchants were new to card acceptance • 79% were existing businesses, new to card acceptance • 21% were new business starts Shift from Paper to Card and Electronic Transactions(% of U.S. Purchase Transactions) Total U.S. Card Sales Volume(in billions) CAGR = 11.2% National Processing Company

6. $1,294 billion Large <$1 Merchants billion 0.1 million Medium - $449 billion sized $1 billion Merchants <1 million $414 billion Small $3.7 billion Merchants 5.2 million Merchant Trends / Profitability • The small merchant segment is the fastest growing market. • The small merchant segment is the most profitable and difficult to serve: Merchant Merchant Merchant VISA / MC Charge VISA / MC Charge VISA / MC Charge Net Revenues to Net Revenues to Net Revenues to Locations Locations Locations Volume Volume Volume Processors Processors Processors $1,294 billion $1,294 billion $1,294 billion Large Large Large <$1 <$1 <$1 Merchants Merchants Merchants billion billion billion 0.1 million 0.1 million 0.1 million Medium Medium Medium - - - $449 billion $449 billion $449 billion sized sized sized $1 billion $1 billion $1 billion Merchants Merchants Merchants <1 million <1 million <1 million $414 $414 $414 billion billion billion Small Small Small 100% of 100% of 100% of 100% of $3.7 billion $3.7 billion $3.7 billion Merchants Merchants Merchants Business Business Business Business 5.2 million 5.2 million 5.2 million 6.1 million Merchant Locations 6.1 million Merchant Locations $2,157 billion $2,157 billion $5.1 billion $5.1 billion Sources: The 2005 Nilson Report, First Annapolis Consulting, and BAS estimates National Processing Company

7. Natural Partnership • NPC’sServices fit right into a Financial Institutions strategy of growing deposits and strengthening ties to commercial customers. • Payment Services for F.I. customers is critical to their business health and success. • Confusing options in the market…merchants need a trusted partner to guide them. • Financial Institutions can significantly increase fee income through increased deposits and revenue share by providing Merchant Services and aggressively marketing with NPC as the partner of choice. National Processing Company

8. Competitive Advantages • NPCDistribution Partner AND Merchant Focus • Dedicated Strategic Alliance Division • Service Quality Emphasis • GEM & Retention Teams • MAG • NPC Online • Focused Management Team • NPC Retains 100% Liability National Processing Company

9. Experienced Partner • NPChas built tools to enable strategic partners to participate at the level they desire. • As an example, we provide processing services to over 500 bank partners with more than 4,000 bank branches under management. • Executive team at NPC understands importance of the total relationship between your customer and us. • NPC can customize the Bank program to fit your specific needs. • NPC approves and provides service to more than 3,000 new merchant customers each month. National Processing Company

10. Reliable Partnership • NPC Competitive pricing - YES • Local dedicated representation - YES • Internet/PC products – YES • Accommodate existing merchant equipment – YES • Check verification/conversion -YES • Quick Merchant sign-up – YES • Portfolio Management Tools for Bank – YES • Zero Liability Program - YES National Processing Company

11. New Strategy • Align dedicated NPC sales team in the your area to support all of your branches. • Drive new business opportunities back to your Financial Institution. • Provide Financial Institution with online Lead Tracking to insure all referrals are contacted and serviced in a timely manner. • Introduction to other NPC Strategic Partners to drive new business for both companies. National Processing Company

12. Bank/Credit Union Support / G.E.M. Team • G.E.M.’s mission is to successfully deliver prompt, efficient and knowledgeable support to our sales groups. This, in turn, gives our sales groups the ability to fully concentrate on delivering increased sales with the highest level of customer satisfaction. • GEM consistently delivers: • Zero Hold Times! • No Voicemails! National Processing Company

13. Bank/Credit Union Support / MAG • MAG is an interactive and real-time online gateway for boarding, review, approval of merchant applications. • MAG will provide instant merchant approval upon data entering on standard SIC/MCC codes. • Downloads will be built within hours to provide same day or next day installation capability. • ISO’s may key directly to MAG, or fax or email apps to NPC to be keyed. National Processing Company

14. Bank/Credit Union Support / Online Tools • Total back-end office support with an advanced data delivery system that allows our sales groups to view information on their accounts exactly as NPC sees it. • Obtain a 360 degree view of each merchant – including equipment, additional services, and history. • Check technical support notes on each merchant. • Initiate Merchant Service Requests National Processing Company

15. Bank Support / MyMerchantData.com • MyMerchantData is an online transactional database, which provides you AND your merchants a unique resource which provides: • Online transaction and batch information • View, evaluate, and print statements • Respond to chargeback and retrieval requests • Export data to Excel spreadsheets for reconciliation and account purposes. National Processing Company

16. NPC Equipment Facilities • Equipment and Deployment: • New and refurbished terminals and peripherals available • Competitive pricing for all Class A point-of-sale (POS) equipment • Bulk & individual sales including full deployment services • Kitting, including plates and supplies available • Equipment exchange, swap replacement and upgrade services available • In-House Terminal Software: • VeriFone VeriCentre • Lipman WNCC • Hypercom Termmaster • Deployment facilities • New & refurbished equipment deployed from Chicago • Swaps & refurbished equipment deployed from Houston National Processing Company

17. NPC Underwriting Overview National Processing Company