This document contains unpublished confidential and proprietary information of American Express. No disclosure or use of any portion of these materials may be made without the express written consent of American Express. [Note to Participant: Please substitute your confidential notice in the footer when distributing this document to sales channels.] Program for May 28, 2014

When you sign merchants up to accept American Express Cards, you are actually signing them up to accept over 150 different Card products. About American Express® Card Products 2

About American Express® Card Members 3 Welcoming higher spending American Express Card Members begins with displaying the enclosed signage at your business to let everyone know you accept the Card. Then, be sure to tell everyone on your staff you now accept American Express Cards. See what consumers told us in a 2013 survey about their spending behavior over a six-month period.* American Express Card Members report spending more than Non-Card Members… WELCOME THEM TO YOUR BUSINESS.

The Value of Membership The Membership Effect Merchant Membership is about connecting businesses to a network of Card Members that can help them attract customers and grow their business, and providing resources that help streamline operations and enhance productivity. The power of all this combined – That’s The Membership Effect SM. Delivering Value To Businesses Consumers & Communities Connecting To Support Small Business Harnessing the power of the American Express network of buyers and sellers to grow businesses Providing insights and tools that help business expand their customer base and support the local economy. American Express' Small Business Saturday initiative drives millions of consumers to small businesses around the country Highlights the role that AXP, consumers and merchants play to support an important economic engine: small business. Creating Rich Experiences for Card Members Using social media platforms to add value to Card Members Allowing seamless redemption of merchant offers No need for coupons or special codes. 4

Value of The Merchant Membership Shop Small Movement Shop Small is a movement to celebrate small businesses every day and to help communities thrive. American Express is a proud supporter of the Shop Small Movement and offers free tools that can help small businesses attract more customers. For more information, visit AmericanExpress.com/standout. Small Business Saturday In 2010, American Express was the founding partner of Small Business Saturday®. It’s a day celebrated each year on the Saturday after Thanksgiving to rally people nationwide to support small businesses. 5

American Express OptBlue SM Program OptBlue is the next step in the evolution of the American Express merchant acquiring business. With OptBlue iPayment will be able to: Enter into agreements with eligible* merchants in the United States Determine merchant pricing for Program merchants Assume risk/liability for Program merchant relationship Provide full servicing of all American Express ® Card transaction processing for Program merchants Determine Merchant Pricing Merchant Contract (with provisions) Merchant Contract (with provisions) Risk and Liability Full Merchant Servicing * Eligible merchants processing up to $1 million in American Express annual charge volume 6

American Express Small Merchant Acquisition Programs 7

OptBlue SM Program Benefits For Merchants Provide merchants with a quick, simple, and easy way to accept American Express Cards through the American Express OptBlue* Program. American Express Faster merchant set up Acquirer sets pricing for all card brands One deposit for all card brands Consolidated statements Single point of contact for all Customer Service needs Ease of reconciliation 8 *The name is designed for use only with our OptBlue SM Program Participants and their Sales Channels, and not as a merchant-facing designation

OptBlue SM Program Benefits For iPayment Acquiring merchants through OptBlue can provide unique benefits for iPayment: Eligible merchant base expanded to include those processing up to $1 million in American Express Card annual Charge volume Larger pool of merchants can lead to greater revenue Additional revenue from improved Merchant retention Increased Revenue Ability to determine merchant pricing for American Express Card transactions Fast and efficient merchant set-up Streamlined compensation reporting Increased Value Higher merchant satisfaction Differentiated product offering Stronger bond with merchant Increased Retention 9

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