TenderCard ™ get with the program ™

1. TenderCard™get with the program™

2. TenderCard Why TenderCard? • Years of experience - Started in 1997 • Geared toward small to mid-sized merchants • Program flexibility  -TenderCard offers something for every merchant’s needs. • Many card options • Lower card minimums • Short delivery time on card orders Parts of our Gift Card Program • Hosting TenderCard uses state of the art servers • Transactions Through either dial-up or IP connectivity, • Cards TenderCard offers a full array of gift cards,

3. Gift Card Numbers • $156 – amount the average consumer spent on Gift Cards last holiday season • 55% spend more that the initial card’s value. • 33% Lift on the cards that spent more than the initial value • 12% Amount of the card that is not used (slippage/breakage) • 1# – Gift card is the #1 gift at the holidays • National Retail Federation (NRF)

4. TCgift Classic Gift Card Gift cards are a Consumer magnet Our gift card program retains your merchants and attracts new ones. Features: • Transaction fee based This is our basic program that all the others shoot off of. Merchants pay a monthly hosting fee and for each transaction. • Monthly hosting fee • Free monthly statement • No monthly minimums, no annual fees We don’t have any transaction minimums that trigger additional fees • Flexible card ordering Merchants can order cards at any quantity above the minimum and can order cards separately or as part of a starter kit. • Works with businesses of any size We have large regional chains of 100 locations, single location mom and pops and everything in between. Loyalty Available

5. TC365 Annual Gift Card Program If time is money, what’s a year worth? Earn revenue annually on a gift program that has no monthly hosting or transaction fees. Features: • All fees paid-in-full for 1 year • No monthly statements But reports are always available online • Simple 1 page application • Pre-set program and reorder pricing • Three transaction tiers for merchants to choose from TC365 -1500 transactions, TC365 enhanced – 2500 transactions and TC365 unlimited – unlimited transactions • Gets cards to the merchants fast No artwork setup or proof for the initial order and the starter kit w/cards ship within 3-5 days of approval.

6. TCeasy Flat Fee Gift & Loyalty Program Because easy is good We’ve bundled hosting, transactions and a complete gift card starter kit for one flat monthly fee. Two options TC Easy 50 or TC Easy 100. Features: • Bundled program Includes hosting, transactions & a starter kit w/25 Pre-designed cards • Includes a monthly statement In addition to online reporting • Simple 1 page application Makes it easy to fill out with a merchant that’s already pressed for time. • Gets cards to your merchants fast No artwork setup or proof for the initial order and the starter kit w/cards ship within 3-5 days of approval.

7. Starter Kits Start your gift card program with style Our starter kit is part of every one of our programs in one form or another. Some come with Platinum Starter cards (TC365) while others include pre-designed or custom cards. Starter kits include: • Gift cards w/sleeves & envelopes (see Card Options on Pg 11) • Point of purchase display stand • Window decals These items focus attention to the program and draw customers into the point of sale where cards are displayed and purchased • Program quick reference guide So they know how to use the program with their specific terminal • Product catalog With reorder instructions • Program download • Ground Shipping (except TC Easy)

8. Card Options Pick a card, any card • 1color Pre-Designed – 100 card minimum *Cards ship in 3-5 days from proof approval Starter Kits with 25 or 100 cards available • 1color Custom – 100 card minimum *Cards ship in 3-5 days from proof approval Starter Kits with 100, 250 or 500 cards • 4color Custom – 250 card minimum *Cards ship in 12-15 days from proof approval Starter Kits with 250,500 or 1000 cards *Delivery times based on orders of 1,000 cards or less

9. TenderCard Onlinewww.tendercard.net Invaluable resources for your business Our website is designed to be useful for busy merchants and cardholders. It’s all real time and completely secured. Features: • Card balance inquiry If made online, doesn’t count as a billed transaction to the merchant. • Customizable merchant reports Merchants can view every statement they’ve ever gotten, sort data by transaction type, date… anything really. • Virtual Terminal Internet-based terminal with all the same gift/loyalty functionality as a conventional terminal. The terminal itself is free, but transactions are priced at the same rate as through a conventional terminal

10. Put Stored Value To Work • Promotional marketing tool • Ad space costs more than promotional gift cards • Discount cards mailed to targeted customer group • Used as a gift with purchase • Corporate incentives • Sell to companies to use as employee incentives/rewards • Prepaid vehicle for recurring sales • Coffee Shops, Dry Cleaners, Auto Detail, Oil Change Programs, etc. • Store credits, returns & refunds • Keeps cash in the drawer • Customer appreciation and retention • Reward loyal customers • Turn customer disputes into retention opportunities • Fund raisers • Sell cards at a discount to schools & non-profits

11. Return on Investment (ROI)Crunching the Numbers 100 $.79 $79.00 $75.00 $120.00 $274.00 Number of Cards Cost Per Card Total Card Cost Transaction Cost (300 @ $.25/ea.) Hosting (12 @ $10.00) Cost of Opportunity Average Activation Amount Total Value of Cards Profit Margin of 10% Cost of Opportunity Net Profit Return on Investment $50.00 $5,000.00 $500.00 $274.00 $226.00 82%

12. Merchant Benefits • Increased cash flow • Retain full face value • Consumers often spend more than the card’s face value • Merchant retains any unused balance (subject to state laws) • Gift card market includes all consumers • Return on investment • Gives the customers what they want • Everybody knows about and desires gift cards as gifts to give and receive. Our program simply allows merchants to fill the demand of their own clients. • Increased store traffic • Reduced costs • More efficient and cost-effective than paper • No “back room” accounting • Security • Cards have no value until activated • Plastic cards are difficult to counterfeit