Prepared for:

HT1150_04292016

AMERICANBUSINESS AWARDS

WINNER®STEVIE BestBizin

MERCHANT ACCOUNT PROPOSAL

Date:

Thank you for requesting information from Harbortouch. Enclosed, you will find a competitive quote for establishing a merchant account

for credit card processing at your business. We have also detailed some of our other service offerings that would be beneficial to your

business. We can have your account set up and ready to accept credit cards for payment within 48 hours of receiving a signed merchant

application. If you would like to sign up for a merchant account with Harbortouch or would like to discuss any of the information in this

document, please contact your sales representative.

Services for Every Business Type

Harbortouch and our agents work with retail stores, restaurants, mail order & telephone order, e-Commerce, Internet,

petroleum, home-based, supermarket and hotel/lodging merchants. Harbortouch caters to all avenues of commerce.

Unparalleled Customer Support

Harbortouch is dedicated to maintaining the highest standards in customer service. Our in-house support staff is ready to

handle all of your customer service and technical support needs 24 hours a day, 7 days a week, completely free of charge.

A Name You Can Trust

Harbortouch is widely recognized as an industry leader and has been named to the Inc. 500/5000 list of the fastest growing

private companies for six years. Harbortouch processes over $9 billion in credit card revenue annually and is ranked as one of

the largest payment processors in the country by the Nilson Report.

Harbortouch is a leading national supplier of point of sale (POS) systems, credit card processing equipment and a full range of

merchant services. Ranked by the Nilson Report as one of the largest payment processors in the United States, Harbortouch

currently handles the merchant accounts for over 110,000 business locations across the country.

ABOUT HARBORTOUCH

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HARBORTOUCH PRODUCTS & SERVICES

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a giftfor you

Merchant Accounts - Establishing a merchant account will enable you to accept credit cards as a form of payment from your customers. Transactions are authorized instantly through the use of a credit card terminal, software or an e- Commerce gateway. Funds are automatically deposited into your checking account of choice within 48 to 72 hours. You will be able to accept Visa, MasterCard, Discover Network, American Express, Diners Club, JCB, Debit, ATM, EBT and check cards for payment. You will also have the ability to add additional features to your account such as contactless payment services and online account reporting.

Check Services - Check Guarantee enables your business to avoid bounced checks and bank fees as a result of accepting non-sufficient funds (NSF) checks. Harborotouch's advanced check guarantee system will scan your customers' checks against our database of negative check writers and alert you to negative and NSF check risks. With check conversion, checks will automatically be deposited in your bank account, eliminating the need to make trips to the bank.

Gift & Loyalty Cards - Add the many benefits of gift cards to your business with 50 free customized, full-color cards and a 60 day free trial. Harbortouch offers a variety of gift card options to suit your specific needs. Choose from a broad selection of pre-designed card templates or produce your own cards with custom artwork and images. A simple and intuitive online interface allows you to easily select a template or upload your own image and then customize to suit your unique business needs.

ATM Services - In addition to being one of the largest credit card processors in the country, Harbortouch is also a full service ATM processor. We offer you a comprehensive ATM solution. Our services include installation, cash replenishment and processing. An ATM machine is a proven resource for generating repeat customers, increased cash flow for spending and additional revenue streams from ATM surcharges.

Cash Advance - Harbortouch can enable you to generate the working capital you need to improve your business without having to negotiate with a bank or worry about long term credit card interest. We will provide you with the ability to generate up to $1,000,000.00 in working capital against your future Visa/MasterCard receivables. This is not a loan product and this program provides an effective solution for any cash flow problem.

Wireless Processing

Using a wireless terminal will enable you to accept electronic payments on the go and away from the storefront. Harbortouch's wireless options utilize GPRS mobile technology. High-speed data transfer also ensures that your transactions are extremely secure and finalized within a matter of seconds.

Authorize.Net e-Commerce Solution - Our secure e-Commerce solution is the perfect way for businesses to accept payment over the Internet. The Authorize.Net payment gateway is the ideal solution for online-only retailers as well as brick and mortar merchants trying to develop a new sales channel. This e-Commerce solution integrates directly and easily with your existing website.

HarborPay Mobile Solution - Mobile payments are becoming increasingly popular and Harbortouch is proud to deliver the best program out there to serve this market. To accommodate the rising use of mobile payments, Harbortouch has introduced a secure mobile payments application with a free audio jack reader or optional Bluetooth receipt printer. Compatible with Apple, Android, Blackberry and Windows Mobile devices, this application enables merchants to quickly, easily and securely accept credit and debit payments through their smart phone or tablet anytime, anywhere.

Apple Pay™ - With Harbortouch, retail merchants can accept Apple Pay through an integrated NFC reader, while restaurants can take advantage of Harbortouch's groundbreaking Perkwave™ mobile app to offer pay-at-the-table functionality to their customers using Apple Pay. Perkwave also offers mobile loyalty and rewards functionality.

Apple is a trademark of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

© 2014 Harbortouch Payments, LLC. All rights reserved.

MERCHANT ACCOUNT QUOTE

Prepared For:

The following quoted rates and fees will be charged in accordance with the merchant agreement as some other charges may apply.For questions on this quote, please contact your Sales Representative at

PROCESSING RATES

Visa % + ¢

MasterCard % + ¢

American Express % + ¢

Discover Card % + ¢

ATM/Debit % + ¢

Check Cards % + ¢

SURCHARGES

Transactions that Visa and MasterCard determine to be mid or non-qualifying are assessed the following surcharge schedule. Transactions that fall into this category include corporate cards, foreign cards, late batches, forced and off-line sales.

Mid-Qualified Transactions % + ¢

Non-Qualified Transactions % + ¢

SERVICE FEES

Monthly Service Charge $

Monthly Minimum $

Annual Membership $

CREDIT CARD PROCESSING EQUIPMENT

Terminal Type:

Purchase Price or Lease Amount: $(Includes tax, shipping and training)

OPTIONAL SERVICES/COMMENTS

$

SETUP AND APPLICATION FEES

Application Fee:

Programming: $

Sales Representative:

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HARBORTOUCH

2202 North Irving Street, Allentown, PA 18109

Tel: 800-201-0461 Fax: 908-730-7437

www.harbortouch.com

Harbortouch is a registered ISO/MSP of First National Bank of Omaha, 1620 Dodge St., Omaha, NE