1. Credit Card Reader Program Cookie Program 2014

2. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 2 Card Reader Basics 1.Decide as a troop if you would like to participate (100% voluntary) 1.Sign Up using your banking account information (doesn’t have to be a Bank of America checking account) Card reader will be linked to your account Troop will be responsible to pay the transaction fees 2.Receive free card reader in mail 3.Download app for your smart phone to begin use 4.Accept credit cards at your Cookie Booth Sales 5.Manage your account and see transactions online through Business Track

3. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 3 Costs of the Program Every transaction costs 2.7% or on 1 box of cookies at $4.00 = 11 cents ($0.108) Credit cards accepted: Visa, MasterCard, or Discover Card-swiped transactions will be listed as "Qualified" on your merchant agreement and statement. If card will not swipe, we encourage you to asked for another form of payment. If you have to manually “key-in” a credit card number, you will incur additional costs. Keyed rate will be charged on all manually keyed Visa, MasterCard, or Discover Network transactions that have verified addresses. Keyed transaction will be listed as "Non Qualified" on your merchant application and statement. American Express rates range from 2.30% - 3.50% + $0.00 - $0.15 and will vary based a variety of factors. 2.7% Per swiped transaction -Please carefully consider the amount of proceeds your troop earns on each box of cookies vs. this potential new expense -Consider the estimated amount of additional sales you might experience due to acceptance of credit cards

4. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 4 Devices To Use APPLE® Any Apple device that can be updated to at least iOS 5 or higher is supported by Mobile Pay. Beta versions of any iOS and devices that have been jail broken will not be supported. iPhone®: iPad®: All models iPhone® 3GS iPod touch®: Third generation and higher iPhone® 4 iPhone® 4S iPhone® 5 ANDROID™ Most Android models are supported at this time. Models must be upgraded to at least 2.3 or higher. The “Honeycomb” tablet platform and Beta versions are not supported. The following is a partial list of supported devices: Samsung Galaxy Nexus® Samsung Galaxy S2® Samsung Galaxy S3® LG Enlighten™ HTC Incredible 2 Droid 3

5. Sign Up Process

6. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 6 Begin Online Application https://mobilepay.bankofamerica.com/bams/mobilepay/home.html

7. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 7 Application 1.There are 5 steps to completing the online application/sign up process: About You About Your Business Funding information Review and Submit Secure Validation 2.Have key information with you (bank account information and this presentation) 3.Process takes about 15 minutes or less

8. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 8 About You 1.Name 2.Social Security Number 3.Email address 4.Address 5.Date of Birth 6.Foreign Entity question (NO)

9. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 9 About Your Business 1.Name of Business –Ex. Girl Scouts Troop 12345 *no room for number sign or commas 2.Legal Business Name = GSHNC, Troop #### 3.Business address –Enter troop address 4.Business Phone Number –Troop Primary Contact Number 5.When did your troop start (year)

10. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 10 About Your Business- part 2 1.What type of business –Retail –Food Store- misc 2.What type of organization is your business –Non Profit 3.Anticipated credit card sales –Less than $10,000 4.Typical amount of sale –$10- $25 5.Percentage of time you are face to face with customer –Over 75% 6.Website www.hngirlscouts.org 7.Security Question

11. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 11 Funding Information 1.Bank Routing Number –Use your Troop Checking account info 2.Name of Bank –List Troop banking partner 3.Checking account Number –Use your Troop Checking account # 4.Tax filing name for your business –Girl Scouts, Hornets’ Nest Council 5.Which tax filing number will be used –EIN (federal tax ID) –56-0563842

12. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 12 Review and Submit 1.This section will supply you with a review of all the information you have inputted so you can verify data and it will allow you to edit each section.

13. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 13 Review & Submit- cont.

14. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 14 Review and Submit- cont. 1.Once you hit “Continue to Validation” there will be a series of security question that only you can answer (ex. State of issue of SSN, etc) 2.After answering question, it will take you to screen below to “click here” for final review.

15. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 15 Secure Validation As a last step you have a final option to Review & Approve You can review “Summary of Merchant Application and Agreement Authorization” print and save

16. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 16 Secure Validation-cont. Last screen should be “Application Complete” Later you should receive email confirming your application

17. Best Practices & Frequently Asked Questions

18. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 18 Best Practices From our pilot program in 2013, feedback from the troops that have used Credit Card Readers: 1.Use as a last resort for payment= ask for cash or check first and if you are going to lose the sale or decrease the sale then offer to use the cc reader 2.Sign up & use only if you plan to do a good number of booth sales. Probably not worth the effort and expense if you only do 3 booths or less. 3.Make sure there are a couple of people in the troop (2) that attend booth sales that are trained to use the reader and have a smart phone with app loaded and ready to use 4.Not suggested for new troops

19. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 19 FAQs 1 How do I download the app? Mobile Pay on Demand can be downloaded from both Google Play TM and the iTunes® App Store. Once you have gone to the app store for your device, simply search for “Mobile Pay on Demand” using the search feature. After you are taken to the correct page, you may download the free app. Upon successful enrollment, you will receive an email that will provide you with the activation code needed to unlock the app. Once activated, you can start accepting payments immediately by manually entering them until your Mobile Pay on Demand card reader arrives.Google PlayiTunes® App Store Can I print receipts? Mobile Pay on Demand allows you to email receipts to your customers. When the transaction receipt appears on screen, you can enter your customer’s email address at the bottom and send the receipt. Customers can then print these receipts later for their records if they wish. (Printing of paper receipts directly from the application is not currently available). You can also email the receipts to yourself for your own records. In addition, all receipts are saved on the Mobile Pay Back Office website where they can be accessed, if needed.Mobile Pay Back Office website

20. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 20 FAQs 2 Do I have to have a Bank of America checking account? No, any checking account will work with this program. What happens if I don’t use the card reader at all? Nothing, there is no penalty. You are not even responsible for sending the card reader back. How can I end the use of the card reader? You can call customer service and let them know you are not going to proceed with card reader and they will cancel your account There are no penalties for doing this, cancel anytime Does this sign up process enter me into any type of long term contract? No, troops are under no financial obligation to continue What happens if I lose my reader? Call Customer Service and they will send a replacement reader Cost will be $23.99 Can purchase additional readers as well for $23.99 (only 1 free reader comes with account sign-up)

21. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 21 FAQs 3 How can I refund a transaction Within the program of your Card Reader app, there is a refund function Choose refund option Will have ability to email customer receipt to show refund and have copy of refund in your accounting as well How can I cancel a transaction While you are still in the process of a sale ( have not confirmed/finalized process) you are able to back out before the total is given and money is exchanged without any problems What days and times is customer service available Contact Customer Service anytime with account questions or questions about your transactions as they are available 24 hours a day, 7 days a week If you need a special type of transaction, ex. Ordering another card reader, customer service will be able to take your call at any time, however some transactions may not be processed until the next business day

22. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 22 Resources Business Track Manage your account through Business Track (online tool) Site where you log- in to see your accounting/transactions With Business Track you can: Review your monthly account statements Account maintenance tools Product guides A "Contact Us" portal to answer questions Other tools and support to manage your account You will receive log-in instructions after you sign up for card reader https://www.myclientline.net/portal/portal/ClientLinePortalApp/index.jsp

23. Confidential and Proprietary - Not for Public Distribution - Do Not Copy 23 Resources Customer Support As a Bank of America Merchant Services' customer you have access to live customer service. Mobile app technical assistance; 866-277-4820 Account related assistance; 855-769-6744 Website: Bank of America Merchant Services for Mobile Payment https://mobilepay.bankofamerica.com/bams/mobilepay/home.html Answers to more frequently asked questions and support https://mobilepay.bankofamerica.com/bams/mobilepay/home/faq.html

24. More Questions? Contact Beverly at cookies@hngirlscouts.org cookies@hngirlscouts.org or 704-731-6546