How would you like to work as an Account Executive for Central Payment? This will put you no the fast tract to financial independence For further information: pbisconti@cpay-usa.com or call (561) 441 4675

2. Central Payment
A TSYS Joint Venture
Corporate Headquarters
2350 Kerner Boulevard, Suite 300
San Rafael, CA 94901
Direct: (415) 462-8335
Email: info@cpay.com
www.cpay.com

3. 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

4. Outline
1. Introduction
2. Bank & Processing Relationships
3. Support Services
4. Products and Services
5. EMV/NFC
6. PayHub – Virtual Terminal
7. SpotOn – Loyalty Program
8. CPAY POS
9. CPAY Mobile
10. CPAY Tablet
11. Free Product Line
12. Company Timeline

5. 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

6. 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

7. 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
• Local Support: 1000+ Sales Representatives throughout the country
3

8. 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

9. Since 2004, bank
card
fraud rates
increased by
70%
in the US.
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 fraud is
shifting to the easiest target…the US. We can
expect to fraud rates continue to increase as the
US becomes the easiest target.
• PCI Annual Compliance
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.

10. 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.
6

11. SpotOn
Loyalty & Marketing Program
• Merchant is provided with an off-the-shelf
tablet and unlimited rewards cards, for a low
monthly fee.
• To date over 3 million SpotOn Users with
more than 500,000 rewards earned by
customers at over 6,000 retail outlets.
• Studies show 84% of customer loyalty
program members are likely to choose a
retailer with a rewards program over a
competitor. (ACI Worldwide, Jan 2012)
7
Measure
Evaluate
performance &
targeting
24/7/365
Market
Send offers &
info to
customers’
phones, email,
Facebook, and
Twitter
Identify
Customers scan
their phone app
or card on the
tablet

12. CPAY POS
Full Featured Point of Sale
• Analytics – Generate and audit sales records
from anywhere with over 70 built-in reports
• Customized menu setup provided by CPAY
with unlimited real time updates
• Process all major forms of payments – Card,
cash or check and track each transaction in
one place
• Cash Drawer, receipt printers, kitchen
printers, bar code scanners and employee ID
cards
• Customizable order entry & ticket handling
with ad hoc messaging services
• Automatic software configuration, updates
with Anti-Virus Cloud Care software and
firewall included
• Complete employee database
• PCI Compliant turn-key solution
8

13. $74 Billion
NFC
transactions
Smartphones
in use surpass
1 Billion
and will
double in 2015
1 Billion
mobile
payment
users by the
end of 2015
CPAY Mobile
On The Go
Our 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.
9
Mobile payment
transactions are
projected to reach
$1
Trillion
worldwide.

14. Spending for
goods and
services
reached $4.996
trillion in
2013.*
Spending is
projected to
reach $7.745
trillion in the
next 5 years. *
CPAY Tablet
Versatility
Fast & 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
10

15. CPAY Free Terminal
Program
Enterprise Solutions for the Small Business
11
Free Product Line
CPAY
POS
Tablet
Mobile
Virtual
Terminal
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

16. Company Timeline
2012
2005
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
12
2015
2014