Bin Smart™ Cost Manager

BINSmart™ Cost Manager Big Retailer Solutions for Small Merchants Presented by: LCS Card Services http://DynamicDebits.net

Table of Contents

Overview

How BINSmart™ Works

Key Facts To Consider

A Sample Merchant Scenario

Sample Pro Forma Details

Capital Bankcard

About LCS Card Services

Special Offers

Additional Web Resources

http://DynamicDebits.net

OVERVIEW

BINSmart™ Cost Manager is an innovative, patent-pending technology that evaluates every card transaction and then calculates the best method to save on processing costs.

HOW BINSmart™ WORKS

Estimates Lowest Cost Method

Saves Real Money Everyday!

Automatically Prompts for PIN or signature

Enhances Fraud & Chargeback Protection

Avoids Cost Downgrades

Avoids Other Downgrades

Estimates Lowest Cost Methods

BINSmart™ Cost Manager uses merchant rates, SIC and zip codes, card type and sales amount to estimate the lowest cost processing method.

Saves Real Money Everyday!

BINSmart™ Cost Manager reduces interchange costs; saving real money everyday.

Automatic Prompts

BINSmart™ Cost Manager automatically prompts for PIN or signature, whichever is estimated to be lowest cost.

Enhances Protections

BINSmart™ Cost Manager enhances fraud and chargeback protection by increasing percentage of PIN debit transactions.

Avoids Cost Downgrades

BINSmart™ Cost Manager prompts entry for additional information when corporate cards are swiped to avoid cost downgrades.

-and-

BINSmart™ Cost Manager verifies completion of daily closeout to also avoid downgrades.

KEY FACTS TO CONSIDER

Over 50% of card transactions are now made with debit cards.

In the past, only large establishments have had access to such cost saving technologies. BINSmart™ Cost Manager actually turns the playing field in favor of small merchants providing savings opportunities most of the big stores don’t even have.

BINSmart™ SAMPLE MERCHANT SCENARIO

Savings from BINSmart™ $117.82/month

$555.36 $437.54 Totals $9.95 $9.95 Statement Fees $27.35 $0 Downgrades from not batching $0 $96.99 Debit Card Processing Fees $518.06 $330.60 Credit Card Processing Fees Without BINSmart ™ With BINSmart ™ One Month’s Processing Charges

SAMPLE MERCHANT SCENARIO SUMMARY

With BINSmart™

$437.54

Without BINSmart™

$555.36

This merchant saved more than 20% in one month worth of fees, equating to possible savings over $1,400 a year on their overall processing costs simply by implementing BINSmart™.

This savings far exceeds anything a merchant can achieve simply by lowering rates. Consider changing the pricing for a merchant 10 basis points below their qualified rate and their per transaction fee by 4 points. Despite what might be seen as a significant rate reduction, this merchant would only recognize a savings around $20/month in processing charges.

SAMPLE PRO FORMA DETAILS

200 transactions per month

Sales ranging from $1-200 with a randomly generated per sales average of $94.47

$18,801.52 monthly volume for MC/Visa transactions

The merchant is setup with a typical three tiered merchant account. Their pricing is reflective of a smaller retail merchant

52% of the cards accepted at this location are debit capable and run on randomly generated debit networks based on market share

100% of debit capable cards are run as PIN debit because of BINSmart’s automatic prompting

The merchant forgets to batch their terminal approximately once every 10 days leading to downgrades

ADDITIONAL FACTS

BINSmart™ Cost Manager is patent-pending technology of Capital Bankcard which is owned and operated by Merchant Warehouse.

LCS Card Services is a division of Lakes Communication Services, a privately held company based in Los Angeles, CA.

LCS Card Services is an authorized agent of Capital Bankcard/Merchant Warehouse.

ABOUT US

Lakes Communication Services is a business development organization that specializes in prepaid debit cards, merchant card services and ecommerce solutions. We also operate The Ultimate GiftCard™ Network, a marketing alliance for independent retail merchants, and we are also developing The Ultimate GiftCard™ Marketplace.

Our products and services also include as follows:

Credit Card Processing

Merchant Cash Advances

ATM Sales & Services

Gift Card Hosting Solutions

Prepaid Payroll Debit Cards

For more information about our company, please visit the following links:

http://dynamicdebits.net (LCS Card Services)

http://dynamicdebits.com (The Ultimate GiftCard™ Network)

SPECIAL OFFERS

Receive FREE complete with installation our BINSmart™ Cost Manager Solution by converting your credit card processing account to our processor as follows:

$25K plus – FREE

$20K plus – 75% Off Equipment Pricing

Also receive FREE $100.00 DynamicDebits™ Gift Card

For more information about this product, please visit us online at http://dynamicdebits.com

More Special Offers

New Credit Card Processing Accounts Receive $75.00 DynamicDebits ™ Gift Card with their BINSmart™ Cost Manager Solution (terminal/keypad/processing) from LCS Card Services.

ADDITIONAL WEB RESOURCES