LCS Card Services provides a variety of credit card processing solutions for businesses, including retail, internet, mail/telephone orders, and wireless options. They offer cost-saving technologies like the BinSmart Cost Manager, equipment acquisition options, and additional services such as merchant cash advances and gift card programs. The company specializes in supporting small to mid-sized merchants with competitive pricing and expert service in the payments industry.

1. Credit Card Merchant Services The Power is @ The Point-of-Sale Presented By: LCS Card Services http://DynamicDebits.net ©2009 Lakes Communication Services All Rights Reserved

2. Table of Contents Credit Card Processing Overview Retail/Storefront Internet Mail Order/Telephone Order Wireless Featured Product Real Savings Featured Equipment Equipment Acquisition Additional Services & Solutions Merchant Cash Advances Gift Cards Cross Checks Real Solutions About Us Additional Web Resources

3. Credit Card Processing Overview: Opening a business? Need to conduct business on your website or phone? Whatever you need, we have a credit card processing solution for your business. With our competitive prices and expert service, you can rest assured knowing that you are going to get a great deal. We help businesses of all sizes to obtain the best credit card processing solutions at competitive prices .

4. Credit Card Processing Account Types We Support: Retail/Storefront Internet/Ecommerce Mail Order/Telephone Order Wireless

5. Credit Card Processing Retail/Storefront: When conducting business face to face, accepting credit cards is a necessity. Whether you have a store, restaurant or kiosk, LCS Card Services can help your business set up a merchant account so you can accept credit cards at rates lower than you ever thought possible.

6. Credit Card Processing Internet/Ecommerce: If you have an internet store or own a retail website, you need online credit card processing. With the help of an online merchant account and credit card payment gateway, you can give your customers the option to purchase goods with the click of the mouse, at any time, day or night. LCS Card Services can provide you with an online merchant account and the ability to do online credit card processing, no matter how small or large of a website you have.

7. Credit Card Processing Mail Order/Telephone Order If you run a mail order business, and/or take credit card payments over the telephone you are participating in what we call in the industry “MOTO Credit Card Processing”. (MOTO= Mail Order/Telephone Order). Essentially, this means that you collect credit cards in an environment where the customer and the credit card are not physically present at the time of purchase. Another term for this is “Card Not Present” Credit Card Processing.

8. Credit Card Processing Wireless For years, the payment options for mobile merchants were limited to either cash or check. Today, wireless credit card machines have given mobile merchants access to the same credit card authorization networks as retail businesses. This new technology has allowed the benefits of security and additional sales to merchants who had to handle cash or take the risk of accepting checks. As a bonus, wireless credit card processing is typically faster than traditional landline processing. Dedicated networks have been developed for wireless credit card processing, which can transmit and receive data faster than most cell phone networks.

9. Featured Product BINSmart™ Cost Manager : An innovative, patent-pending technology that evaluates every card transaction and then calculates the best method to save on processing costs. For more information on this product, please visit us at http://DynamicDebits.net/For_Merchants.html or view our slideshow at http:// www.slideshare.net/debitmogul/bin -smart-cost-manager

10. Featured Product BINSmart ™ Cost Manager utilizes processing technology powered by Hypercom. Terminal- T4220 Pin pad – P1300

11. BINSmart Sample Merchant Scenario Savings from BINSmart™ $117.82/month 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™. $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

12. Featured Equipment LCS Card Services features the latest processing equipment offered by leading manufacturers such as: Hypercom Verifone Lipman Nurit Others such as OTI Saturn, Way Systems and Ingenico

13. Featured Equipment Hypercom Bottom Left – T7Plus Upper Right – T4100 Bottom Right –T4220* * Also used for BINSmart Cost Manager

14. Featured Equipment Verifone Bottom Left – Omni 3200SE Upper Right – Omni 3750 Bottom Right – x610

15. Featured Equipment Lipman Nurit Bottom Left – Nurit 2085 Upper Right – Nurit 8000 Bottom Right – Nurit 8320

16. Featured Equipment Various Other Manufacturers: Bottom Left – OTI Saturn 5000 Upper Right – Way Systems Mobile Transaction Terminal Bottom Right – Ingenico Aqua

17. Equipment Acquisition LCS Card Services offers several ways for merchants to acquire the latest equipment available in the marketplace today. They include: Purchase and Lease Options Company provided equipment Partner sponsored equipment Account conversion rebates

18. Equipment Acquisition Purchase or Lease Options LCS Card Services offers competitive price points on all equipment it features for payment processing solutions. That makes buying equipment outright or leasing it in a “pay-as-you go” setting easy and able to suit any budget scenarios. For confidential pricing and consultation, please contact us at: Phone: (213) 804-4983 Email: marketing@DynamicDebits.net

19. Equipment Acquisition Company Provided Terminals LCS Card Services can provide credit card processing terminals FREE of charge to retail merchants. Our FREE terminal options currently include the following: Hypercom T7Plus Ingenico Aqua Coming Soon, our FREE terminal offering will also include the following: Verifone Omni 3750 Nurit 2085 Standard processing rates do apply. Equipment must be returned promptly if merchant discontinues payment processing services.

20. Equipment Acquisition Partner Sponsored Equipments LCS Card Services, like The Ultimate GiftCard Network is a division of Lakes Communication Services. This merchant alliance organization allows its members to sponsor future members as a way of maximizing solutions, cost efficiencies and opportunities to their program participation. Merchants that choose LCS Card Services to provide its payment processing solutions can also capitalize on sponsorship opportunities; and merchants looking for ways to acquire equipment at the absolute lowest price points (i.e.,FREE) can also take advantage of this program . REQUIREMENTS: Sponsors must be members of The Ultimate GiftCard Network Benefactors must agree to sell gift cards

21. Equipment Acquisition Account Conversion Rebate Merchants already accepting credit cards can acquire better payment processing equipment at 25-100% off already low price points simply by converting their merchant account(s) to LCS Card Services. For example, merchants averaging $20,000 per month in credit card sales can upgrade to the BINSmart Cost Manager at 50% off the equipment price. So, in addition to saving about $120.00 per month on card processing costs, merchant are also saving up to 300.00 in new equipment costs.

22. Additional Services & Solutions Merchant Cash Advances Benefits: Merchants can receive up to $150,000 per location No personal guarantee is required Payback is based on timing of Visa/MC receipts No fees or penalties for extended payback period A/B credit not required Financials/Tax Returns not required Requirements: Merchants must be in business for 13 months Your merchant account must be with us. You must provide the last four months of processing statements No bankruptcies Trade references are required For more information, call (213) 804-4983 or email us at marketing@dynamicdebits.net

23. Additional Services & Solutions Gift Cards One of the easiest ways to increase sales is for retailers to add gift cards to their processing. Gift cards can be an easy way to generate new customers, and increase business sales. With gift cards, our credit card processing customers can purchase a one-color pre-designed kit for under $100.00. Choose from over twenty pre-designed gift cards, and add your business name and address at no additional charge. If you’d prefer to design your own card, we can provide you with the ability to customize. Call us at (213) 804-4983, email us at [email_address] or visit our website http://DynamicDebits.net .

24. Additional Services & Solutions Cross Checks For businesses looking to accept checks, but don’t want the high risks that go along, LCS Card Services offers merchants the ability to set up a check processing account without need for specialized equipment. Merchants can run the check verification directly through the credit card terminal or even over the phone or the internet. Our approval rates are among the highest in the check processing industry, and allow businesses to accept checks in the United States and Canada.

25. Additional Services & Solutions Real Solutions Cost savings you can feel Immediate access to working capital Innovative ways to acquire the latest card processing equipment Card processing solutions that deliver multiple marketing benefits ATM investments & placements at pre-qualified locations for additional income opportunities Great incentive products (gift cards) to reward and motivate employees to exceed goals & objectives For more information, please call (213) 804-4983 contact us by email at [email_address] or visit us on the web at http://DynamicDebits.net

26. About Our Company Lakes Communication Services is a business development organization that specializes in prepaid debit products and ecommerce solutions. We offer many solutions for retailers and e-tailers to develop and market gift card programs, including: free hosting, sales support, online advertising and more. No program is too large or too small. LCS Card Services is a newly formed division of Lakes Communication Services focused in merchant card services, including: credit/debit card processing, business funding solutions and gift card programs for small to mid-sized merchants. For more information, please visit our website at http://dynamicdebits.net or email business development at [email_address] . http:// DynamicDebits.net.Solutions.html

27. Web Resources Blogroll DebitMogul’s Master Weblog http://debitmogul.wordpress.com The Ultimate GiftCard ™ Network’s BlogCast http://Blogs.DynamicDebits.com Recommended Websites Capital Bankcard of Southern California http://capitalbankcardsocal.com The Ultimate GiftCard ™ Network & Marketplace http://DynamicDebits.com Facebook users Search BINSmart Cost Manager Capital Bankcard of Southern California Merchant Cash Advances The Ultimate GiftCard Network DynamicDebits Gift Card LCS Card Services 3717 S. La Brea Avenue, #610 Los Angeles, CA 90016 Ph: (213) 804-4983 Email: [email_address] http://DynamicDebits.net/FOR_MERCHANTS.html