Electronic Gift and Pre-Paid Card Program Updates

1. Electronic Gift and Pre-Paid Card Program Updates MSP Training April 29, 2009

2. Gift is a Quickly Growing Industry Gift Card Sales $50 billion in 2005 $57 billion in 2006 $61 billion in 2007 $65 billion in 2008 (estimated) $80 billion by 2011 Adult Consumers … Received 4.83 gift cards on average in 2006 & 2007 Spent $53 per card in 2007 up from previous years Gift Card Popularity The #1 gift during the holiday season 50% of gift cards received during the holiday season were redeemed by the end of January Average breakage ranges from 4-15% 2

3. Merchant Benefits • Increased Sales • Attract new customers to the business • Retains full face value = no cash back • Switching from paper certificates to gift card can result in 2-4 times the volume…by capitalizing on impulse purchases • 61% of recipients spend more than the card value • Most consumers spend 25% more than the face value of the card when redeeming a card received as a gift • Reduced Costs • More efficient and cost effective than paper • Industry average is $1.22 to issue and $1.22 to redeem • Increased Security & Reduced Fraud • Cards have no value until activated • Easy to Use • Works seamlessly with same solutions used for credit cards • Electronic reporting and tracking

4. Traditional Gift Target Markets • Specialty Retail • Gift shops • Book/CD/Electronics stores • Wine/Liquor stores • Restaurants • Fine dining • Quick service • Coffee shops • Entertainment • Movie theaters • Amusement/recreation • Video/game rentals • Personal Services • Auto detail • Beauty Salon/Spa

5. What’s New….

6. Basic Cards • New Card Design • Basic Card = 50 cards • DBA name, complete street address and phone Envelopes & Carriers included • 30 “General Purpose”, 10 “Thank You” , and 10 “Happy Birthday” • Recommended for single location merchants • Reorders revert to Standard Card Package (100 card minimum) • Cards delivered within 5 business days! MERCHANT NAME STREET ADDRESS CITY, STATE, ZIP PHONE NUMBER

7. Standard Card Options • All new card single card designs • 16 card styles • 3 gift focused • 7 focused on verticals • Take out & delivery • Restaurant • Landscaping, florist, nurseries • Sporting goods, sports teams, golf courses • Coffee shops • Spas, salons • Auto repair, auto dealers, car wash • 6 Solid Color Styles

8. Standard Card Design Font Colors • One color logo OR5 lines of text • 3 text-style options (Times New Roman, Arial, Brush Script) • 12 imprint color options – two new colors Orange and Pink • Order the quantity needed • 100, 200, 500, 1000 • Envelopes & Carriers included • Per 100 cards - 20 “Gift”, 20 “Happy Birthday”, 20 “Thank You” and 60 “General Purpose” • Cards delivered within 10 business days from proof approval

9. Custom Cards • No changes • Totally customized design • Full color front/black back • Design services available • Minimum order quantity of 500 • Carriers available for purchase (not included) • Cards delivered within 21 business days from proof approval

10. Card Carriers General purpose. Can be used for Merchandise Returns, Promotions. Comes with Basic & Standard packages Happy Birthday. Comes with Basic & Standard packages Gift. Suitable for all occasions. Comes in Standard package ** Additional carriers can be ordered in packs of 100. A combo pack can also be ordered. Thank You. Comes with Basic & Standard packages

11. New Display Rack and Backer Design • Each location will automatically receive one acrylic Display Rack with backer • Deployment materials detail how to setup and display cards • An actual card can be placed inside the display backer for further brand enhancement

12. Updated Collateral and Sales Tools • Solution Sheet Promotional • Solution Sheet • Card Sample Kit • Standard Card Style Guide • Used by merchants to select card style/color • Graphic Specifications • Helpful for cards with logos or for custom cards • All are available on the MSP Infocenter • Top three are also available in hardcopy

13. It’s Much, Much More than a Gift Card Program • Promotional Marketing Tools • Discount cards mailed to target prospects • Gift with purchase • Corporate Incentives • Sell to companies to use as employee incentives • Use internally for rewards or spiffs • Prepaid Vehicles for Recurring Services • Coffee shops, auto detail, movie theaters • Merchandise/Service Credits • Cash back is not the only way • Customer Appreciation • Turn service issues into a retention opportunity • Fund Raisers • Sell cards at a discount to schools/non-profits • Budgeting or Limiting Expenses/Spending • Gas allowance card, B2B runner purchases, relocation

14. Let EGC Help You…and Your Sales • Move Merchant Processing from the Competition • Leading with a card program can be the driver to gaining the merchant processing business • Improves Merchant Close Rates • Adds value to the processing relationship • One stop shop for all payment processing needs • High Percentage of Current Clients are Targets • 70-80 % of merchant processing merchants are in target markets

15. Have your Merchant put a $ amount on a new customer….

16. Calculation on Cost of One Gift Card – 100 Standard Cards 16

17. Sales Process and Change Plans • New card designs are available to sell immediately • EGC set up requests with old card designs will be honored until May 31, 2009. • Printed collateral including Card Sample Kits are available however must be ordered

18. Questions and Thank You… 18