Thank you for the overview. IBC provides fee reduction services for merchants without requiring changes to equipment, staff, or operations. They analyze statements to find overcharges and ensure ongoing savings through monthly monitoring. IBC's pay-after-performance model focuses on client results with zero costs, risks, or capital outlays for merchants.

1. The Interchange
Brokerage Company
An Overview

2. The
Interchange Brokerage Company
 Interchange Management Consulting
 Assist clients to reduce card processing fees:
 Without changing processors.
 Without purchasing additional equipment.
 Without additional staff training.
 Without risk.
 Without cost.
 Without capital outlay.
 Without changing your operations.
 Without effort on your part.

3. The
Interchange Brokerage Company
 Interchange Management Consulting
 IBC is not:
 A bank
 A processor
 A gateway, ISO, or acquirer.
 IBC is:
 An advocate, watchdog, and partner with our clients.
 In business to reduce our clients card processing fees.
 A “Pay-After-Performance” fee based company.
 We get results or we are not compensated.
 Our fees are a percentage of the savings we generate.

4. 3 Points about the card
processing industry
1. State of the Industry
 Unregulated.
 Interchange Fees = $45B+ a year in revenue.
 Interchange Fee Rate Categories:
 MasterCard = 243
 VISA = 60
 Processor mark-up’s.
 Processor’s have a “set it and forget it”
mentality.

5. Consumer Merchant
A
$100 Credit Card Purchase
F
B
Merchant
E Submit paid
For $97.80.
Consumer Consumer Approval: Acquirer
Pays Billed $100 keeps
$100 $100
$0.50
D
Card Network B
VISA & MC
Issuer approves. Transfers $98.30 to acquirer.
Keeps $1.70 = Interchange Fee. Acquirer
Issuer C

6. 3 Points about the card
processing industry
2. The Problem.
 Unregulated industry.
 The processor’s business model does not have
the best interest of the merchant in mind.
 Processing fees drive down profits.
 93% chance merchant is being overcharged.
 Confusing and no expertise at merchant level.

7. 3 Points about the card
processing industry
3. The Solution.
 IBC is an advocate for merchants.
 IBC:
 Finds the fee overcharges.
 Gets the fee overcharges reduced.
 Monitors monthly to keep fees reduced.
 IBC business model focuses on our clients:
 Pay-After-Performance results.
 Totally Risk Free.
 No capital outlay.

8. Our Clients
 Serving those in the hotel and lodging
industry:
 Major National Brands
 Comfort Inn  Hilton
 Courtyard  Holiday Inn
 Days Inn  Marriott
 Fairfield Inn  Residence Inn
 Hampton Inn  Springhill Suites
 Allied Member of AH&LA

9. Key Points
 The Message
 IBC provides Fortune 500 level interchange management.
 Over two decades of industry experience.
 Zero cost. Zero risk. Zero capital outlay. Found money.
 The Process
1. Analysis of current merchant statement.
2. Determine Net Effective Rate and Baseline Savings.
3. Consulting Agreement.
4. Savings Strategy put into place.
5. Monthly monitoring/evaluation of results.
6. Clients sees savings on statement before IBC invoices.

10. Next Steps
 Visit our website
 www.interchangebrokers.com
 Contact Regional Consultant
 Charlie Miller
 301.676.1968
 Merchant Statements
 IBC will do a quick review.
 Consultant will contact you to discuss.
 Consulting Agreement to move forward.