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  1. 2. NPC Company Overview <ul><li>6 th Largest Provider of Merchant Acquiring Services in the United States </li></ul><ul><li>Largest Merchant Acquirer Focused on ISO Centric Business Model </li></ul><ul><li>Largest Merchant Acquirer Exclusively Serving Small/Medium Merchants </li></ul><ul><li>Industry Leading Merchant Boarding & CRM Technology </li></ul><ul><li>Large-Scale, Broad-Based Service Provider With Emphasis on Service Quality </li></ul><ul><ul><li>Over 275,000 Merchant Outlets </li></ul></ul><ul><ul><li>Over $25 billion in Annual Sales Volume </li></ul></ul><ul><ul><li>Over 340 million Transactions per Year </li></ul></ul><ul><ul><li>Total Number of Employees: 600 </li></ul></ul><ul><ul><ul><li>Louisville: 230 </li></ul></ul></ul><ul><ul><ul><li>Houston: 220 </li></ul></ul></ul><ul><ul><ul><li>Chicago: 100 </li></ul></ul></ul><ul><ul><ul><li>Field: 50 </li></ul></ul></ul>
  2. 3. NPC Company Overview National Processing Company is the leading provider to the small & mid-sized merchant segment Merchant Market Participants (# of Merchant Outlets)
  3. 4. National Processing Company (NPC) <ul><li>NPC ISO/Agent Program Overview </li></ul><ul><li>Competitive pricing, including separate credit and offline debit “check card” rates. Our ISO’s are able to pass along check card rates directly to their merchants. </li></ul><ul><li>NO HARDCODING of mid and non qualified on our application. You can be flexible with how you price your merchants. </li></ul><ul><li>FREE customer support and terminal support for your merchants. </li></ul><ul><li>FREE sales support for your agents in the field </li></ul><ul><li>A GEM (Going the Extra Mile) associate assigned to handle your office’s day-to-day concerns </li></ul><ul><li>Comprehensive ISO and Agent training program </li></ul><ul><li>MAG (Merchant Approval Gateway) product gets deals approved quickly and accurately </li></ul>
  4. 5. National Processing Company (NPC) <ul><li>NPC ISO/Agent Program Overview (cont.) </li></ul><ul><li>My Merchant Data ( www. mymerchantdata .com ) product allows merchants and ISO’s to view detailed batch and transaction activity </li></ul><ul><li>You will be working with one of the most experienced, tenured teams in the bankcard industry, who is dedicated to helping you grow and succeed </li></ul><ul><li>A long history of on-time residual payments </li></ul>
  5. 6. <ul><li>G.E.M.’s mission is to successfully deliver prompt, efficient and knowledgeable support to our sales groups. This, in turn, gives our sales groups the ability to fully concentrate on delivering increased sales with the highest level of customer satisfaction </li></ul><ul><ul><li>GEM consistently delivers </li></ul></ul><ul><ul><ul><ul><li>Zero Hold Times </li></ul></ul></ul></ul><ul><ul><ul><ul><li>No Voicemails </li></ul></ul></ul></ul>ISO Support / G.E.M. Team
  6. 7. ISO Support / MAG <ul><li>MAG is an interactive and real-time online gateway for boarding, review, approval of merchant applications. </li></ul><ul><li>MAG will provide instant merchant approval upon data entering on standard SIC/MCC codes. </li></ul><ul><li>Downloads will be built within hours to provide same day or next day installation capability. </li></ul><ul><li>ISO’s may key directly to MAG, or fax or email apps to NPC to be keyed. </li></ul>
  7. 8. ISO Support – NPCrm <ul><li>Total back-end office support with an advanced data delivery system that allows our sales groups to view information on their accounts exactly as NPC sees it. </li></ul><ul><ul><li>Obtain a 360 degree view of each merchant – including equipment, additional services, and history. </li></ul></ul><ul><ul><li>Check technical support notes on each merchant. </li></ul></ul><ul><ul><li>Initiate Merchant Service Requests </li></ul></ul>
  8. 9. ISO Support – <ul><li>An online transactional database,, gives you AND your merchants a unique resource which provides: </li></ul><ul><ul><li>Online transaction and batch information </li></ul></ul><ul><ul><li>View, evaluate, and print statements </li></ul></ul><ul><ul><li>Respond to chargeback and retrieval requests </li></ul></ul><ul><ul><li>Export data to Excel spreadsheets for reconciliation and account purposes. </li></ul></ul>
  9. 10. NPC Equipment Facilities <ul><li>Equipment and Deployment </li></ul><ul><ul><li>New and refurbished equipment available </li></ul></ul><ul><ul><li>Competitive pricing for all Class A pos products </li></ul></ul><ul><ul><li>Bulk & individual sales including full deployment services </li></ul></ul><ul><ul><li>Kitting, including plates and supplies available </li></ul></ul><ul><ul><li>Exchanges, swaps & upgrades service available </li></ul></ul><ul><ul><li>House: VeriFone VeriCentre, Lipman WNCC & Hypercom Termmaster </li></ul></ul><ul><ul><li>Deployment facilities </li></ul></ul><ul><ul><ul><li>New & refurbished equipment: Chicago </li></ul></ul></ul><ul><ul><ul><li>Swaps & refurbished equipment: Houston </li></ul></ul></ul>
  10. 11. NPC Underwriting Overview
  11. 12. Heritage of NPC 1964 1979 1988 2004 2006 1974 1992 1994 1967 1996 1997 1999 2001 2003 MasterCharge Founded in Louisville, KY First National Bank (FNB) of Louisville acquires MasterCharge Diversified into merchant acquiring business NPC established as separate subsidiary of FNB FNB merges with National City Corporation (NCC) NPC becomes wholly owned subsidiary of NCC Expanded into Debit card processing Processed over 1 billion credit transactions NPC became a NYSE publicly traded company Acquired Financial Alliance, moving company into regional merchant acquiring 1999-2001: Exited all non-merchant businesses (check processing, remittance, payables, freight, and BPO) and expanded presence in regional merchant sector Acquired regional merchant portfolio from Heartland Payment Systems Acquired merchant businesses from NCC banking subsidiaries Formed a merchant processing JV with ABN Amro USA Acquired Best Payment Solutions Acquired by ITPS. ITPS changes name to NPC Acquired by B of A for $1.4 billion
  12. 13. Industry Trends <ul><li>Within this overall segment, there are an estimated 23 million small businesses in the U.S. </li></ul><ul><ul><li>Only 27% of them accept card based payment </li></ul></ul><ul><ul><li>An estimated 580,000 new small businesses will open every year in the U.S. </li></ul></ul><ul><li>In 2005 over 950,000 US merchants were new to card acceptance </li></ul><ul><ul><li>79% were existing businesses, new to card acceptance </li></ul></ul><ul><ul><li>21% were new business starts </li></ul></ul>Source: Nilson Report, December 2004 and First Annapolis Navigator, January 2006 Report Shift from Paper to Card and Electronic Transactions (% of U.S. Purchase Transactions) Total U.S. Card Sales Volume (in billions) CAGR = 11.2%
  13. 14. Merchant Trends / Profitability <ul><ul><li>The small merchant segment is the fastest growing market </li></ul></ul><ul><ul><li>The small merchant segment is the most profitable and difficult to serve </li></ul></ul>Sources: The 2005 Nilson Report, First Annapolis Consulting, and BAS estimates