More information on FFUSA and the way we do business.

1. one merchant at a time Michael Aschberger Account Executive [email_address] www.ffusa.com/agent/ma.html

2. Homespun Merchant Services Company Puts New Image on Industry... One merchant at a time. If your business offers customers the convenience of paying with credit and debit cards, you already know how overwhelming – and often frustrating – it is to set up a merchant account with a service provider. Are there really any providers who rise above the fray? Enter John Eliason, founder and CEO of First Financial USA, (FFUSA). “ Our goal is to be the kind of company that banks want to partner with, merchants want to deal with, and sales people want to work for,” says Eliason. “That can only happen if we continually find ways to make it easy to do business with us so everyone wins.”

3. In an industry whose typical providers often leave their customers more confused than clear and more perturbed than pleased, one unique company has broken away from that image by doing things differently – one merchant at a time.

4. THINKING OF GETTING – OR CHANGING – YOUR MERCHANT ACCOUNT SERVICE PROVIDER? HERE ARE THREE TIPS TO HELP ALLEVIATE SOME OF THE CONFUSION:

5. 1) READ THE FINE PRINT. Promotions that promise a rock-bottom rate may get your attention, but be sure to read the fine print. Phrases like “for qualified transactions” or “not applicable with rewards programs” are small words that can add up to larger fees than advertised.

6. 2) ASK QUESTIONS. Even if you read the fine print, it’s unlikely you’ll find any details to help you make an informed decision. Make a list of questions and call the company. If it turns into a frustrating process to get answers before you sign on the dotted line, it’s a safe bet that it will be even more frustrating after.

7. 3) DO THE MATH. When you receive your account statement, do the math! Your statement may have 1.21% stated in the header to coincide with the promotion you signed up for, but do the fees you actually pay reflect that rate?

8. prosperity through growth FFUSA has been on the cutting edge of the Visa MasterCard acceptance business For over 13 years and we are more excited every day with all the new opportunities in this industry.

9. “ Because we take the time to understand what our customers need and provide service as if each customer’s business were our own, we believe we are the best choice for all merchants.” - John Eliason . Michael Aschberger [email_address] www.ffusa.com/agent/ma.html