Proposal for Retail Businesses / Restaurants / Mobile… etcPresented to: Business Owners  December 2014

Contact:Senior Business AdvisorLarry Smith (877) 212-1487 direct line

Central PaymentA TSYS Joint Venture

Larry SmithSenior Business Consultant

Corporate Headquarters2350 Kerner Boulevard, Suite 300San Rafael, CA 94901Phone: 877.212.1487Email: larry@cpaysolutions.com

www.cpay.com

Executive Summary

Solid Track Record and Reputation

Who We Are• ISO/MSP Sponsored by TSYS,

First National Bank of Omaha & Wells Fargo

• Opened in December 2005 with a collective experience of over 25 years.

• Accredited business by the BBB with A+ grade

• Inc. 500/5000 for 5 consecutive years

Value Generation

Bandwidth

• Over 1000+ Representatives nationwide

• 24/7/365 customer service in 4 languages

• Currently servicing over 55,000 merchants across the country

Direct partnership with top tier global processor TSYS (NYSE: TSS)

Bank and Processing • Total System Services, Inc.

(TSYS) is the largest processor of merchant acquirers and bank credit card issuers.

• Processes over $1 trillion a year in credit and debit card transactions

• Broad platform supports financial institutions, business and governments in 80 countries

• First National Bank of Omaha, (FNBO), our sponsored bank, is recognized as the largest privately held bank in the US with over $17 billion in managed assets and over 5,000 employees

Specific Expertise

Benefits of Processing with Central Payment • Turn-Key Merchant Service

Company• Processing over $6.5 Billion

annually in volume• Full suite of product offering for

every facet, stage and cycle of any type of business

Emerging Technology Creates Opportunity

Why now?• 80-90% of small businesses are

not ready for EMV mandate.• In 2013, $13 billion in annual

losses and high profile fraud cases elevated public awareness of EMV

• Apple Pay and Google Wallet are driving demand

• Aggressive EMV, NFC terminal placements helps you and your customers

Outline

1. Introduction2. Bank & Processing Relationships3. Support Services4. Products and Services5. EMV/NFC6. PayHub – Virtual Terminal7. SpotOn – Loyalty Program8. CPAY POS9. CPAY Mobile10. CPAY Tablet11. Free Product Line12. Company Timeline

Introduction

Central Payment (CPAY) is nationally recognized as a leading provider of transaction processing services. As one of the fastest growing and most innovative payment processors in the country, CPAY provides best in class service based on competitive pricing and technology-based solutions. Employing a combination of a highly-experienced staff and an entrepreneurial approach to conduct business, CPAY is dedicated to maximizing growth and profit opportunities for its customers.

Founded in December of 2005, by twin brothers Matthew and Zachary Hyman, Central Payment has rapidly built a national reputation and client base. The co-founders have nearly a decade of experience in the payment card industry.

A nationwide full service credit card processing company with a direct partnership to top tiered global processor TSYS (NYSE: TSS) and over 55,000 current customers processing over $6.5b annually

Introduction

1

Bank & Processing Partnerships

Relationships and Reputation• Central Payment is backed (75% ownership) by one of the global leaders in

the payment processing space – Total System Services, Inc. (TSYS)

• TSYS is the largest processor of merchant acquirers and bank credit card issuers

• Processing over 38 million transactions per day

• An international company valued at approximately $6.23 billion

• Processes over $1 trillion a year in credit and debit card transactions

• TSYS’ broad platform provides services to more than half of the top 20 international banks

• FNBO, our sponsored partner, is recognized as the largest privately held bank in the US with over $17 billion in managed assets and over 5,000 employees

2

Support Services

All-Inclusive Business Strategy• From submission to service, CPAY is 100% fully autonomous

• Sales Support, Underwriting, Programming, Technical and Customer Service, Deployment, Risk Management, etc. (all within the walls of CPAY Headquarters)

• Open 24/7/365 days a year, with representatives that speak multiple languages

• Zero outsourcing

• High retention rate with merchants stemming from exceptional support with local Sales Representatives

3

Products & Services

Turn-Key Solutions

• Equipment Sales

• Equipment leasing

• Free Equipment Placement

• E-commerce solutions

• Mobile Payments

• Social Media/ Marketing & Loyalty Program

• Check Services

• POS Conversions

• POS System Support

• Payment Gateway Processing

• Gift Card Processing

• Data Compromise Insurance Program

• Cash Advance Program

• PCI Compliance Management

• Online Reporting Portal

• Lifetime Low Price Guarantee

4

EMV/NFC

Security & Transformation• Europay, MasterCard and Visa (EMV) is the

global standard to authenticate chip-card transactions.

• Apple Pay is making Near Field Communication (NFC) payments possible for over 20 million iPhone 6 owners across the globe.

• CPAY believes that EMV and NFC offer the security and convenience necessary to combat the ever increasing growth in card fraud.

• As more countries migrate to EMV, the fraudsters are shifting to the easiest target…the US. We can expect to see the rates of fraudulent transactions continue to increase as the US becomes the easiest target.

5

Decline in credit card fraud in countries using EMV cards

Europe (-36%) UK (- 69%) France (-25%)

Brazil (-80%) Australia (-25%) Canada (-35%)

* EMVCo Reveals Latest EMV Global Usage Stats, ATM Marketplace, Retrieved from: www.atmmarketplace.com/article_print/194247/EMVCo-reveals-latest-EMV-global-usage-stats

Since 2004, bank card

fraud rates have

increased by 70% in the

US.

PayHub

Virtual Terminal• A management portal

• Accept card-present & card-not-present transactions

• Schedule recurring bills

• Meaningful reporting and analytics

• Merchant-defined risk/fraud controls

• Manage multiple users & role-based permissions

• Manage product information (upload pictures, set prices, specify discounts, and more)

• Track customers and their spending habits

• Export sales data in various formats

The Virtual Hub is perfect for:

• Medical and legal offices, contractors, plumbers,

B2B, B2C & B2G

• Subscription-based businesses such as gyms, storage, etc.

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Larry Smith (877) 212-1487 direct

SpotOn

Loyalty & Marketing Program • Merchant is provided with ready-made

hardware solution, for a low set monthly fee. Including an off-the-shelf tablet and unlimited rewards cards.

• Merchants can send new offers to all their customers at the push of a button.

• To date over 3 million SpotOn Users with more than 500,000 rewards earned by customers at over 6,000 retail outlets.

7

Measure

Evaluate performance &

targeting 24/7/365

MarketSend offers &

info to customers’

phones, email, Facebook, and

Twitter

Identify

Customers scan their

phone app or card on the

tablet

CPAY POS

Full Featured Point of Sale

• CPAY POS Restaurant Software

• ELO 15” Bezel-Free Touch Screen Monitor

• ELO Magnetic Card Reader

• Lenovo Enterprise-Level M73 Workstation

• Bixolon Thermal Receipt Printer

• Cash Drawer

• AGP Electrical Power Conditioner

• TP-Link Firewall/Switch

• AVG Always-on Anti-Virus Cloud Care Service

• Software Configuration and Training

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Larry Smith (877) 212-1487 direct

CPAY Mobile

On The GoOur CPAY mobile point-of-sale solution easily attaches to your mobile device (Apple or Android).

With a quick download of our app, merchants are ready to start processing in minutes.

One of our best selling products this year, CPAY Mobile gives our merchants the freedom and flexibility to accept transactions anywhere.

Purchase transactions are projected to reach 128.8b in 2018 (66% debit cards & 34% credit cards), up from 90.5b in 2013. *

* © The Nilson Report

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Larry Smith (877) 212-1487 direct

CPAY Tablet

VersatilityFast & Easy: Save time at the counter and increase sales by quickly accepting all forms of payment

Durable & Sleek: The smart & stylish design gives your countertop and customer experience, a total makeover

100% Customizable: Update product catalog, tip settings and more in seconds

Future Proof: Receive automatic updates with new features at no additional cost

• Accept card and cash

• Print or email receipts

• Customizable tip options

• Secure signature capture

• Real-time reporting

• Works offline: no selling downtime

• End-to-end encryption of transactions

• Built-in digital marketing tools to engage

customers via email, mobile and social

media

* © The Nilson Report

Spending for goods and services reached $4.996

trillion in 2013.*

Spending is projected to

reach $7.745 trillion in the next 5 years.

*

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CPAY Free Terminal Program

Enterprise Investments for your Small Business

11

Free Product Line

CPAY POS

Tablet

Mobile

Virtual Termina

l

Terminal

• Central Station (agent portal), a robust and comprehensive back-end office to help you manage your business and team

• Proactive, ongoing support with experienced relationship managers

• Statement analysis/proposal turnaround in 30 minutes

• Merchant activation assistance

• Customer Service/Technical Support 24/7/365

• Free CPAY mobile (with every account and no additional costs)

• Next Day Funding with late settlement time & Amex One Point

• Exclusive to CPAY: SpotOn digital loyalty & marketing platform

• Electronic applications with e-signatures (tablet merchant app)

• Supporting secure chip card and NFC transactions

Support Technology

Larry Smith (877) 212-1487 direct

Company Timeline

2012

2005

2014

December 2005, Matt and Zach Hyman open the doors at Central Payment in Marin County, CA with 3 employees

Total Systems Services (NYSE: TSS) completes its acquisition of 60% of Central Payment in a joint venture for $66 million in cash.

PayHub, a virtual terminal and gateway, is developed.

SpotOn is launched to the public in April.

TSYS and Central Payment Sign Agreement

SpotOn, a marketing and loyalty platform for small businesses, is founded.

2010

CPAY POS is announced and launched.

CPAY Mobile is developed and launched.

CPAY makes Inc. 5000 for the 4th straight year

2013

TSYS increases its stake from 60% to 75%.

CPAY Tablet is announced and launched in Q4.

CPAY makes Inc. 5000 for the 5th straight year

Central Payment Launches Restaurant POS Solution, CPAY POS

CPAY Achieves Highest Level of Data Security Compliance in Processing Industry

CPAY Announces Industry First Training & Certification Program

2011

CPAY Announces the Addition of Payware Mobile for the Apple iPhone

CPAY Debuts in Inc. 500 as One of Nation's Fastest Growing Companies

2010

2006

CPAY announces a strategic partnership with Payjunction

CPC announces new wireless offering

2007

2009

CPAY Announces New Bank Sponsorship With First National Bank of Omaha

CPAY Receives 'A' Rating from the BBB

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