Central PaymentA TSYS Joint Venture

Corporate Headquarters2350 Kerner Boulevard, Suite 300San Rafael, CA 94901Direct: (415) 462-8335Email: info@cpay.com

www.cpay.com

Executive Summary

Solid Track Record and Reputation

Who We Are

• ISO/MSP Sponsored by TSYS, FirstNational Bank of Omaha & WellsFargo

• Opened in December 2005 with acollective experience of over 25 years.

• Accredited business by the BBB withA+ 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) isthe largest processor of merchantacquirers and bank credit cardissuers.

• Processes over $1 trillion a year incredit and debit card transactions

• Broad platform supports financialinstitutions, business andgovernments in 80 countries

• First National Bank of Omaha,(FNBO), our sponsored bank, isrecognized as the largest privatelyheld bank in the US with over $17billion in managed assets and over5,000 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 forevery facet, stage and cycle of anytype of business

Emerging Technology Creates Opportunity

Why now?

• 80-90% of small businesses are notready for EMV mandate.

• In 2013, $13 billion in annual lossesand high profile fraud caseselevated public awareness of EMV

• Apple Pay and Google Wallet aredriving demand

• Aggressive EMV, NFC terminalplacements helps you and yourcustomers

Outline

1. Introduction2. Bank & Processing Relationships3. Support Services4. Products and Services5. EMV/NFC6. PayHub – Virtual Terminal7. SpotOn – Loyalty Program8. CPAY POS9. CPAY Mobile10. CPAY Tablet11. Free Product Line12. Company Timeline

Introduction

Central Payment (CPAY) is nationally recognized as a leading provider of transaction processingservices. 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 conductbusiness, 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 hasrapidly built a national reputation and client base. The co-founders have nearly a decade ofexperience in the payment card industry.

A nationwide full service credit card processing company with a directpartnership to top tiered global processor TSYS (NYSE: TSS) and over 55,000current customers processing over $6.5b annually

Introduction

1

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

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

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

Since 2004, bank card

fraud rates increased by

70% in the US.

EMV/NFC

Security & Transformation

• Europay, MasterCard and Visa (EMV) is theglobal standard to authenticate chip-cardtransactions.

• Apple Pay is making Near Field Communication(NFC) payments possible for over 20 millioniPhone 6 owners across the globe.

• CPAY believes that EMV and NFC offer thesecurity and convenience necessary to combat theever increasing growth in card fraud.

• As more countries migrate to EMV, the fraud isshifting to the easiest target…the US. We canexpect to fraud rates continue to increase as theUS 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.

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

SpotOn

Loyalty & Marketing Program

• Merchant is provided with an off-the-shelftablet and unlimited rewards cards, for a lowmonthly fee.

• To date over 3 million SpotOn Users withmore than 500,000 rewards earned bycustomers at over 6,000 retail outlets.

• Studies show 84% of customer loyaltyprogram members are likely to choose aretailer with a rewards program over acompetitor. (ACI Worldwide, Jan 2012)

7

MeasureEvaluate

performance & targeting 24/7/365

MarketSend offers &

info to customers’

phones, email, Facebook, and

Twitter

IdentifyCustomers scan their phone app or card on the

tablet

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

$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 easilyattaches to your mobile device (Apple or Android).

With a quick download of our app, merchants areready to start processing in minutes.

One of our best selling products this year, CPAYMobile gives our merchants the freedom andflexibility to accept transactions anywhere.

9

Mobile payment transactions are

projected to reach

$1Trillion

worldwide.

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

CPAY Free Terminal Program

Enterprise Solutions for the Small Business

11

Free Product Line

CPAY POS

Tablet

Mobile

Virtual Terminal

Terminal

• Central Station (agentportal), a robust andcomprehensive back-end office to help youmanage your businessand 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 accountand no additionalcosts)

• Next Day Fundingwith late settlementtime & Amex OnePoint

• 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

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, CPAYPOS

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