Credomatic is a large payment processor that offers: 1) Stability as a $7 billion acquirer and issuer with over 150,000 merchants and 2 billion cardholders. 2) Next day funding on transactions for partner merchants. 3) A complete suite of payment solutions including credit/debit processing, electronic check services, and gift cards.

2. Why Partner with CREDOMATIC
7 Billion Dollar Worldwide Acquirer and Issuer
Over 150,000 worldwide merchants supported
Over 2 billion cardholder issuing accounts
75% Owned by GE Money- a subsidiary of GE
Stability, Security and Safety
Your Residuals are Secure with over 7 billion in assets
US Operations in Miami since 1981
BAC Florida Bank-own affiliated member bank.
Processing-Powered by TSYS (formerly Vital)

3. Why Partner With Credomatic
Offer your Merchants
Next Day Funding Transmissions on all transactions-settled by 9PM-
Eastern with late cutoff of 4AM Eastern.
Compete favorably against the banks and win the BIG deals with Next
Day Funding Transmissions to your merchants.
Deposits ACH’d daily (Mon-Fri) at 12 PM (Eastern) via Fed Reserve
A Complete Suite of Payment Solutions-all billed on a single statement
and settled with a single deposit
Credit/Debit Card Processing
Electronic Check Services
Gift Card Services
Merchant Cash Advances
Bi-Lingual Customer and Agent Support available 24/7

4. Innovative Products
Verifone VX 510 Free Terminal Program
Free to Sell/Lease or Place
•Dual App/Multi Merchant Terminal
•Dial Terminal with upgrades to IP and
GPRS Models available.
•Supports all Credomatic POS Apps
•Full Range of Peripherals Supported
•Pin Pads for Debit
•Check Readers and Imagers

5. Innovative Products
Web Based POS Solutions for Retailers
•Sell a Complete POS Solution-Not just a Terminal
•20-25% Upfront Commissions-Paid Weekly

6. Innovative Products
Web Based POS Solutions for Restaurants
•Sell a Complete POS Solution-Not just a Terminal
•20-25% Upfront Commissions-Paid Weekly

7. Innovative Products
Web Based Healthcare Payment Solution
•Eliminate Patient Billing Expenses
•Improve Collections and Cash Flow from Patients

8. Innovative Products
CREDOMATIC NET PAY
“Low Cost Virtual Payment Solution”
Low Cost Virtual Terminal
5.00/month + .05 tran
Supports Swiped, MOTO and Wireless Processing
Optional Quickbooks Plug In
Blue Bamboo POS Interfaces
H50 Terminal
P25 MSR/Printer

9. Innovative Products
Low Cost Wireless and Pay at the Table
Solutions
VX670
Blue Bamboo
•Pay at Table
•Low Cost Wireless
•POS System
•Credit/Debit Interface
•Pin Debit •Pin Debit
•GPRS/CDMA Capable
•WIFI or GPRS

10. Innovative Products-June 2010
Low Cost POS
Touch POS for Retail
and Restaurants
Bar Code Scanning
Remote Kitchen
Printing
Easy to Setup and
Install
Prices starting at
$2195.00

11. Complete Suite of Payment Solutions
Credit/Debit Card Processing
3 Tiered, 6 Tiered Pricing
Split Rates for Credit and Debit
Interchange Pass Thru Pricing
ATM Debit Cards
Pin Based Debit
All major networks

12. Complete Suite of Payment Solutions
Electronic Check Processing
POS Check Services from CREDOMATIC
Paper Check Guarantee
Electronic Check Guarantee with Conversion
Optional Back Office Check Services
ACH Express
RDM Simply Deposit
Supports all major POS Terminals
Supports RDM and Magtek Readers and Imagers

13. Complete Suite of Payment Solutions
Electronic Gift Cards
Integrated with Credit/Debit
Single Statement for all Services
3 Programs Available
Free 100 Card Standard Program with 12 Designs
500 Card Deluxe Program with 50 Designs
500 Card Custom with Custom Designs
All Programs include Cards, Envelopes, Display Stand
and Marketing Materials

14. Complete Suite of Payment Solutions
Merchant Funding Solutions
Powered by:
• Creative Cash Advance Solutions
• From 80-120% of Processing Volume Qualifies
•Multiple Programs
• 3, 5, 7, 9 and 12 Month Terms
•Up to 29% of Visa/MC Volume may be deducted
•Up to 8.9% of Total Sales Volume can qualify
•Lucrative Commissions
•5% Upfront on the Advance
•2% Upfront on Renewals

15. Partner Benefits
Multiple Income Streams
Equipment Sales and Leases-Paid Daily
100% of the margins on all equipment sales and leases
Free Terminals to Sell or Lease or Place
Verifone VX510
Hypercom T7 Plus
Direct Leasing with Lease Finance Group
Rate Factors starting at-.0290
Faxable Leases
Split Funding on Equipment Purchases
Funding Paid Daily by 4PM-Central

16. Partner Benefits
Upfront Bonuses-Paid Weekly
Terminal Placement Bonus: $100.00
Earned on all VX510 Placements
Activation Bonus: $200.00
Earned on all reprograms, software installations or where
no free equipment is provided
No Minimum Deal Count Required
Conversion Bonus: 1% of V/MC Volume
Average of last 3 months statements
10K Monthly Volume or Greater to Qualify
Note: Only 1 Bonus is paid per account, either the Placement/Activation Bonus or the
Conversion Bonus-whichever is greater is paid per qualified account.

17. Partner Benefits
Upfront Bonuses-Paid Weekly
Value Added Services Activations
Check Services: $50.00
Gift Cards: $25.00
Earn residuals also on Check and Gift Cards

18. Partner Benefits
Upfront Bonuses-Paid Weekly
POS System Sales and Leases
20%-1-4 Accounts/Month
25%-5+ Accounts/Month
Merchant Cash Advances
5% of the Advance Amount-Weekly
2% of the Renewal Amount-Weekly

19. Partner Benefits
Monthly Income Streams
Residuals-Paid Monthly
0-1,000,000 Volume 50%
1-5,000,000 Volume 60%
5,000,000 + Volume 70%
Residuals Paid on total accumulative V/MC/Disc Processing Volume above
Interchange, Dues and Assessments and Processing Fees
Residuals earned on all processing revenue, V/MCDisc, ATM Debit, Checks and
Gift Cards.
Residuals paid by the 15th or each month for previous months volume

20. New Dual Comp Plan-August 2010
Choose Your Comp Plan per Account
Option A-50% Split + Free Terminal + Bonus
Option B-70% Split Residual
Available starting August 2010
No Volume Tiers
Choose per Deal to Maximize your
Margins

21. Credomatic Fee Schedule
Interchange + Dues and Assessments
Processing Fees:
Transaction Fees
Visa/MC/Disc $.0525
Amex $.0725
Fleet Cards $.0825
ATM Debit $.10 + Network Fees

22. Credomatic Fee Schedule
Processing Fees
Batch Fee .0225
AVS Fee N/C
Voice Auths $.50
Retrievals $7.50
Chargebacks $15.00
Statement Fee $5.00

23. Credomatic Fee Schedule
No Risk Fees, BIN Fees or Downgrade
Surcharges
Agent controls all pricing
Tiered Pricing (3 or 6 Tiers)
Pass Thru Pricing
No Application or Programming Fees
No Customer Service Charges

24. Easy Application Processing
Same Day Setup for Swiped Account
In by 12PM, out by 5 PM
24 Hour Setup for MOTO/Internet Accounts
Realistic Underwriting Guidelines
No Photos Needed
No Drivers Licenses
Faxable App (5 Pages)
Easy to Complete and Price Out
Faxable Leasing App (3 Pages)
Funded on Verbal Verification

25. Credomatic Equipment Pricing
Complete Family of POS Solutions
Terminals
Software
Peripherals
Payment Gateways
Wireless Solutions
Terminal Placement Solutions-Free to Merchant or Agent
Verifone VX510 or Hypercom T7 Plus
Low Cost Software Solutions
PC Charge Pro
Payware PC
Credomatic Net Pay with optional Quickbooks Plug In

26. Credomatic Direct Leasing
Credomatic Direct Leasing
Funded by Lease Finance Group
Factors as low as .0290
Split Funding on Equipment Purchases
Direct ACH Funding to Sales Partners
Faxable Lease Application
Verbals done by 4PM-funded overnight

27. Partner Support
Marketing Support
Sample Proposal Templates
Cost Comparison Forms
Merchant Brochures and Sell Sheets
Partner Training
Web and Tele-Training Seminars
New Agent Training

28. Partner Support
Technical Support
Files built same business day
No Charge for downloads and Tech Support
Bi-Lingual Merchant Service Support
TSYS/Vital Help Desk Support
Partner Services
Free Tech Support and Download Assistance
Pin Pad Swaps-$15.00 Encryption Fee
Wireless Activations-$25.00 each
Comstar GPRS/CDMA
Net Pay-GPRS
Gateway Activations-$25.00 each
Authorize.net
Net Pay

29. Partner Support
E-Connections
TSYS Merchant Management System
Review your merchants batches
Pull Weekly and Monthly Portfolio Reports
Print our Statements
Available to all Active Partners

30. Lets Get Started
Get Started Today
Offer Next Day Funding to your Merchants
A Complete Suite of Payment Solutions
A Complete offering of POS Terminal and Software Programs for all Merchants
Jumpstart Your Business
Multiple Income Streams
Equipment Sales and Leases
Terminal Placement and Re-Program Bonuses
Conversion Bonuses
Cash Advance Bonuses
True 50-60-70% On time Residuals
Comprehensive Agent Support and Training
A Complete Product Suite of Competitive Payment Solutions and Systems

31. Get Started Today
Get Started Today
Complete All Registration Forms and Fax
to(866)352-3614
Check out: www.credomaticpartner.com
Questions-Contact Joe Creegan at (305)372-3000
X223/jcreegan@credomaticusa.com
MAKE EVERY MOVE COUNT
With Credomatic, It’s always possible