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1. Merchant Solutions One Source for All Your Payment Processing Needs AppStar Financial provides a complete line of products and services, all developed and supported exclusively for our merchants. Credit, debit, checks, e-commerce, gift and loyalty cards as well as a merchant friendly cash advance program. It is all right here at AppStar Financial. Quality Customer Service and Experienced Technical Support AppStar Financial will be here for you when you need us. Our highly trained, multi- lingual Customer Service Team is ready to assist you 24 hours a day, 7 days a week Online Merchant Reporting Enter our exclusive online merchant reporting solution through a secure password protected point of entry and have instant access to your daily and monthly transactions, right down to a single sale. You no longer have to sort through stacks of paperwork to find sales data, get detailed reports and statements. Equipment Swaps If you purchased your equipment from AppStar Financial or are enrolled in the Merchant Benefits Program and your equipment is found to be defective, a replacement will be shipped to arrive at your door the next day. (*Shipping and handling fees apply.) Free Supplies If you are a member of our Merchant Club and enrolled in the Platinum Benefits Package, we will ship you free supplies. All you pay is shipping and handling. Supplies can be ordered directly from your terminal if you use our state-of-the-art AppStar ip95x and AppStar emv95x. Better Business Bureau Accredited Member AppStar Financial holds accredited status as a member in good standing of the Better Business Bureau. The BBB Accreditation program is a coveted honor earned only by elite businesses. BBB is the authority on trust in the marketplace and for nearly a century has set and upheld standards for fair and honest business behavior. AppStar proudly displays the BBB seal and agrees to adhere to its high standards. Merchants may check on our outstanding record by calling (858) 496-2131 or by viewing our Reliability Report on the BBB website at www.sandiego.bbb.org.

2. Merchant Referral Program AppStar Financial is proud to announce our Merchant Referral Program. If you send us a merchant referral and they become one of our customers, we will send you $50. Please email us at referrals@appstar.net Credit Processing Credit card acceptance is a necessity for today's merchants, and AppStar Financial makes it quick and easy for you. No matter your size or industry, we have state-of-the- art competitively priced credit card processing solutions to help your business succeed Debit Processing Nearly one third of US consumers prefer using debit cards to make everyday purchases. AppStar Financial can process your debit transactions quickly and easily through our direct connection to regional and national debit processing networks. Check Services Checks are the second largest form of payment in the United States . Let AppStar Financial provide you a safe and easy way to accept checks using our Secur-Chex® products. Whether you prefer paper or electronic transactions, Secur-Chex® check services are designed to fit your business, your way. Gift and Loyalty Cards Almost 50 million adults purchase gift cards each year, outnumbering paper gift certificates four to one. As opposed to paper gift certificates, gift cards are more durable, easier to track, reusable, difficult to counterfeit, and an attractive way to market your company. Experience the benefits of AppStar Financial's gift and loyalty program from FirstAdvantageTM. Working Capital Cash Advance Sell us a predetermined amount of your future credit card sales at a discount and we will deposit working capital directly into your business' checking account. Receive up to

3. $150,000 per location in as few as three business days. This financial solution can help you get back to business with funding that matches your cashflow needs. EBT Processing Most states now issue Food Stamps, WIC (Women, Infants and Children), and TANF (Temporary Assistance for Needy Families) benefits on an EBT card. Using the same equipment to process EBT as credit and debit, you can easily offer this additional payment type to your customers. E-Commerce Accept credit cards online with FirstPay.NetTM 2.0, AppStar Financial's all-inclusive e- commerce solution. There is no easier way to sell your products and services online. FirstPay.NetTM 2.0 gives you everything you need to succeed. Online Reporting FirstViewTM is a secure, fast and convenient way to access your processing data anytime, anywhere you can connect to the Internet. Robust reporting features combined with easy navigation offer a detailed accounting of all your merchant activity, down to an individual transaction. ACH Processing FirstFundTM ACH software allows you to automatically transfer payments to and from your bank account without the hassle of preparing invoices, handling checks, or going to the bank. FirstFund installs easily onto your computer and can be used as a one-time billing method or for recurring payments.