FOR A BARRIER-FREE PAYMENT PROCESSING SOLUTION

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1 FOR A BARRIER-FREE PAYMENT PROCESSING SOLUTION MAKE THE SWITCH TO MONEXgroup ecommerce I Mobile I Wireless I Integrated I Countertop Solutions PAYMENTS IN-STORE PAYMENTS ON-THE-GO PAYMENTS ONLINE Accept secure debit and credit card payments with fast processing Accept payments anywhere you are with our mobile terminals Process secure transactions and turn online browsers into buyers

2 INDUSTRY SECURITY PRODUCTS ABOUT US ABOUT US With its headquarters in Toronto, MONEXgroup is the leading independent provider of payment processing services in Canada. OUR SOLUTIONS Our solutions simplify the acceptance of Debit card and Credit card payment processing through various platforms including ecommerce, Integrated Solutions, Countertop Terminals, Wireless Solutions, Virtual Terminals and Mobile Checkout. OUR EXPERIENCE Our industry leading customer service, proven expertise, innovative and secure technology are several of the instrumental reasons why MONEXgroup was awarded and ranked as the #1 Payment Processor in Canada (by TopCreditCardProcessors.ca). 25,000+ BUSINESSES LARGEST INDEPENDENT PROCESSOR PROVEN EXPERIENCE

3 OUR GOAL To forge a business relationship working together with you to understand and meet your unique business needs. OUR MISSION Our mission is to provide innovative, cost-effective and stress-free payment processing solutions to our customers. OUR VISION To be the leading customer-focused payment provider offering exceptional service and innovative payment solutions throughout Canada. I would recommend MONEXgroup s services to any business that is looking for reliable, outstanding service and a partner they can count on. ~ Director of Operations, Hero Certified Burgers. OUR OFFER CONTACT US: SERVICE TRANSPARENCY PAYMENT TECHNOLOGIES SECURITY & RELIABILITY PARTNERSHIP MONEXgroup.com SOME OF OUR CLIENTS

4 INDUSTRY SECURITY PRODUCTS PRODUCTS Our solutions have been specifically designed to help our clients provide their customers with a seamless experience, letting you focus on your business rather than your payment solution. Since switching to MONEXgroup, I save between 25-30% on my monthly payment processing costs. ~ Business Owner, Mr. Sub IN-STORE PAYMENTS ON-THE-GO PAYMENTS E-COMMERCE PAYMENTS INTEGRATED PAYMENTS Tap & Go Tap & Go Countertop VX 810 Duet Wireless - GPRS iwl250 ecommerce Orbital Gateway Solutions Integrated Solutions Fast, Flexible and Reliable Pocket Sized Mobile Payment Solution emarketplace that is Open 24/7 Reduce Errors, Maximize Efficiency Unmatched security and reliability Pay anywhere your customers are with clear reception Process payments from anyone, anywhere Integrated and semi-integrated solutions Ideal for high traffic and high volume environments Dial back-up feature: to continue processing in the event your IP connectivity is unavailable Built-in printer, fastest in the market Stay connected, no more dropped transactions *Also available with Bluetooth Fully customizable for services that best meet your needs Customize your payment flow through a Hosted or Non-Hosted Checkout solution Gain visibility into your finances Eliminate double entry errors at both the POS and PIN Pad Compatible with almost any Integrated Retail Management (IRM) software

5 COUNTERTOP TERMINALS Tap & Go Tap & Go Tap & Go WE OFFER: 24/7/365 Multilingual Service ict220 Countertop Multipurpose ict250 Countertop Light Weight, Stylish and Self Contained ipp320 PIN Pad The Easiest-to-Install PIN Pad on the Market Next Day Deposits This high-speed terminal is fully bilingual Accept all types of electronic card payments without requiring an interface with a POS system / IRM software Add on an optional customerfacing PIN Pad (ipp320) for contactless payments A compact device with colour screen and built-in contactless reader Process all types of debit and credit payments, including Chip & PIN, swipe and contactless Combines an ergonomic keypad with a high-speed thermal printer Standalone Integrates to your IRM software Accept PIN-entry and contactless payments 2-4 Hour/7 Days a week Onsite Swap Service Transparent Pricing; No Hidden Fees Online Reporting WIRELESS SOLUTIONS WEB-BASED SOLUTIONS Tap & Go Pay@Table - Bluetooth iwl220 Mobile Checkout Solutions Virtual Terminal PC Based Hosted Checkout Solutions Fast and Efficient For Businesses on the Move Efficient and Cost Effective Secure Transaction Processing Accept payments anywhere inside or within close proximity to your location Built-in thermal printer and contactless reader Transform your mobile device (ios, Android or ipad) into a secure payment terminal No need for additional phone lines or hardware Use existing hardware for mobile commerce Leverage your existing PC and internet connection No need for additional phone lines or hardware Supports recurring payments No up-front capital expense Accept online payments Simple integration to your website

6 INDUSTRY SECURITY SECURITY MONEXgroup provides you with the latest PCI complaint technology where we secure your success and help you focus on building and retaining relationships with your customers. PCI SECURITY STANDARDS GOALS TO MERCHANTS Build and Maintain a Secure Network Install and maintain a firewall configuration to protect data Do not use vendor-supplied defaults for system passwords and other security parameters Protect Cardholder Data Protect stored data Encrypt transmission of cardholder data and sensitive information across public networks Maintain a Vulnerability Management Program Use and regularly update anti-virus software Develop and maintain secure systems and applications Implement Strong Access Control Measures Restrict access to data by business need-to-know Assign a unique ID to each person with computer access Restrict physical access to cardholder data Regularly Monitor and Test Networks Track and monitor all access to network resources and cardholder data Regularly test security systems and processes Maintain an Information Security Policy Maintain a policy that addresses information security Source: PCI Security Standards Council. Visa. MasterCard, Merchants CA, For more information, visit:

7 MONEXgroup has partnered with industry leaders to provide you with the highest level of PCI Security Standards and Compliance. SECURITY MEASURES 1. Chip and Pin Technology : Authenticated Use of Card; where the use of pin reduces the possibility of fraud due to lost, stolen or counterfeit cards. Reduces the Risk of Chargeback; where Chip and Pin technologies verify the signature and eliminates your responsibility for Authentication. Supports Faster Authentication; with inserting PIN and verifying the user making checkout quicker. Magnetic Stripe Cards; compatible with other international and regional standards, allowing your customers to use their cards on your terminal. MONEXgroup suggests: Protect your POS Equipment. Safeguard the Equipment in the POS Area. Teach your staff how to recognize and prevent equipment tampering. 3. Online Fraud Prevention: 2. POS Fraud Prevention : POS Equipment; which comes with Account Verification System. CVV2/CVC2. Duplicate Card Checking. Last Four-Digit Entry. Password Protection of Key Functions. Online Reporting; with full Accessibility to Transaction Data. Speed of Service. Reliability. Reporting System. Account Security Verification (AVS); which verifies the cardholder s billing address with the card issuer. Card Security Verification; by looking at the credit card s security value (non-embossed 3-4 digits code) and check it against the issuer s value on file. Payment brand security programs i.e. CVV2 (Visa ), CVC2 (MasterCard ), CID (American Express ) and CID (Discover Card). Payment Brand Data Security; to help you comply with payment brand data security programs.

8 INDUSTRY INDUSTRY REPORT AUTOMOTIVE DEALERSHIP REVENUE Looking at the most recent domestic dealership revenue figures in the retail automotive industry, national sales of over $95 billion were generated in the year The gross sales figures for new cars continuously improved during the years , with a total growth of $20 billion achieved in auto dealership gross sales over the five years. The automotive industry is one of the biggest contributors to the health of Canada s economy. Today, Canada stands amongst the top ten vehicle producers in the world. With over 3,300 auto dealership services nationwide, the steady increase in sales figures has created a huge impact on the country s economy and Gross Domestic Product (GDP). $100 $95 $90 $85 $80 $75 $70 $65 $60 $55 $76.4 New Car Dealer Gross Sales (Billions) $80.2 $85.1 $90.5 Source: Canadian Automobile Dealers Association, 2015 $ NEW CAR SALES The following chart demonstrates the consistent growth in total sales of new cars in Canada from 2010 to 2014: USED CAR SALES From , there has been an increase of 3.3% in terms of the market share of Used Cars. Roughly 893,000 used cars were sold in 2014 in Canada. Total New Car Sales Canada (Thousands) Market Share Used Cars (Percentage) 1,900 1,850 1,800 1,750 1,700 1,650 1,650 1,550 1,500 1,450 1,557 1,586 1,676 1,743 1, % 29.4% 30.4% 31.9% 32.7% Source: Desrosiers Automotive Consultants, % 29% 30% 31% 32% 33% Source: Canadian Automobile Dealers Association, 2015

9 MONEXgroup & Automotive For over a decade in POS Solutions and Merchant Services, MONEXgroup has successfully partnered with auto dealerships, auto-repair shops, tire stores, car wash shops, auto-parts and auto-painting services across Canada; offering reliable, cost-effective and secure POS Solutions to handle their daily payment processing transactions. Go Wireless & Save! 20 Receive An Extra Savings of 20 Basis Points On Each Transaction For Qualified Rates (%) with the Wireless Advantage BASIS POINTS Transactions Processed in Ontario, 2014 Through MONEXgroup 48% 28% Rather than keying in transactions manually at a desk, auto dealerships can realize significant savings by literally bringing the payment terminal to customers. Card-Present electronic payments allow merchants to receive a reduction of up-to 20 Basis points on credit card processing transactions. The reduced risk of dispute results in qualification for lower merchant discount rates (%) yielding greater savings! Simply add a Wireless POS Solution such as the iwl220 or iwl250 to your dealership that accepts electronic payment with EMV Chip & Pin, MagStripe or Contactless options. This convenient solution will lower your discount charge on your merchant account for each transaction processed, leading to long-term cost-effectiveness. 22% 2% MONEXgroup Featured POS Solutions: Over the past 5 years, the use of Visa Credit Card processing increased by 7.6% and MasterCard Credit Card usage remained flat. What are the benefits for Auto dealerships when partnering with MONEXgroup? Gain a better understanding of your merchant statement and your Merchant Discount Rate (%) Process Recurring Credit Card & Debit Card payments and offer your customers versatile financing options Add a Wireless POS Solution to your auto dealership and auto retail services GPRS iwl220 Bluetooth Short Range Wireless Accept payments anywhere inside or within close proximity to your location. iwl250 GPRS Long Range Wireless Accept PIN-entry and contactless payments. Pay anywhere your customers are, instantly. VX 810 Duet Countertop Terminal With "Tap & Go" Increase your speed of service and flexibility with the most popular in-store POS terminal; designed for high traffic and high volume environments. I choose MONEXgroup because of the savings; it accounts for hundreds of dollars in monthly savings and their tech support is fantastic Cato s Auto Salon Inc MONEXgroup has proven their commitment to saving us $1000-$2000 monthly in credit card fees along with the commitment in providing excellent customer service Volkswagen Dealer Office Manager