American Express ® OnePoint SM July 2009

Confidential & Proprietary. 2 Agenda Overview Key Benefits of the Program Target Merchants Program Exclusions Pricing Boarding Customer Service & Help Desk Support Sample Merchant Statement ISO Responsibilities

Confidential & Proprietary. 3 Objectives Participants in this training should be able to: SELL THE AMERICAN EXPRESS ® OnePoint SM Program upon completion of your contract obligations. Recall the scope and benefits of the American Express ® OnePoint Program Recognize the differences between the ESA Program and the American Express ® OnePoint Program Convey the benefits of the program to the merchant Identify the target merchants Recall the proper setup process

Confidential & Proprietary. 4 American Express ® OnePoint Program Overview American Express wants to increase its acceptance among small to mid-size merchants by providing them integrated and competitive servicing and processing. First Data and their clients will provide full processing services for American Express Card transactions for merchants processing up to $500K in annual American Express® Charge Volume. First Data and their clients are responsible for end to end servicing of the merchant.

Confidential & Proprietary. 5 Key Benefits of the Program The American Express® OnePoint Program provides the following merchant benefits: - Point-of-Sale convenience -One ACH for all cards -Single source for customer service -Single merchant statement -One dispute center -American Express® Card Acceptance -More payment choices for consumers -No Cost of entry into the program

Confidential & Proprietary. 6 New Process The OnePoint Program will be available to merchants processing up to $500,000 in annual American Express ® Charge Volume. In the OnePoint Program, First Data, along with their clients, will oversee: Entire sales process Account boarding Merchant approval (Note – AMEX must still approve the merchant for OnePoint) Statements & funding Risk & fraud management Customer support Transaction & chargeback process American Express® will oversee: Determination of merchant pricing Merchant contract ownership (of the American Express® relationship)

Confidential & Proprietary. 7 Sales and Contract ESA/ Pass ThroughOne Point /Full Service Sales and ContractVisa/MasterCard/ Discover American Express Visa/MasterCard/ Discover/ American Express Sales ForceFirst Data First Data and Client Pricing to MerchantFirst DataAmerican Express Contract OwnershipFirst DataAmerican Express Credit/Fraud Liability Management First DataAmerican Express First Data and Client

Confidential & Proprietary. 8 Operations ESA/ Pass ThroughOnePoint/Full Service Acquiring ServicesVisa/MasterCard/ Discover Processing American Express Processing Visa/MasterCard/Discover and American Express Credit UnderwritingFirst DataAmerican ExpressFirst Data and Client New Account BoardingFirst DataAmerican ExpressFirst Data and Client Terminal DeploymentFirst DataAmerican ExpressFirst Data and Client Transaction ProcessingFirst DataAmerican ExpressFirst Data and Client Chargeback ProcessingFirst DataAmerican ExpressFirst Data and Client Customer SupportFirst DataAmerican ExpressFirst Data and Client FundingFirst DataAmerican ExpressFirst Data and Client Statements and Reporting First DataAmerican ExpressFirst Data and Client

Confidential & Proprietary. 9 Target Merchants –OnePoint Eligible merchants Omaha Platform merchants that auth and settle through First Data – ETC, Nashville, Bypass and Cardnet Front Ends Merchants processing up to $500,000 in annual American Express® Charge Volume (Use Merchant Sizing Guide to determine est. volume) –*Note- Volume is for all locations Merchants that exceed the volume while on the program may be subject to rate changes as determined by American Express All Eligible Accounts: –MUST BE new to the ISO –CAN BE new to American Express (non acceptor) –CAN BE existing American Express (in ESA or OnePoint program) »Note- you can NOT sign your existing ESA merchants »Note- All outlets in a chain must process in the same way NOTE – The initial rollout will only apply for NEW Merchant Accounts

Confidential & Proprietary. 10 Targeted Industries Merchants - up to $500K in annual American Express ® Charge Volume (total for all locations/outlets) Retail Restaurant Tuition Healthcare – office-based, Doctors and Dentists Grocery stores Travel and transportation Fast Food Supermarket MOTO Lodging Service

Confidential & Proprietary. 11 ELIGIBILITY What does Retail Client receive from First Data? New Merchant not accepting Amex signed to one point If merchant does not qualify for OnePoint due to volume restriction (greater than $500K annual AMEX volume) the merchant is directed to have a processing relationship with AMEX. Any existing One Point merchant signed by FD ISO for OnePoint. Any existing ESA merchant signed by ISO to OnePoint Program.

Confidential & Proprietary. 12 Exclusions from the OnePoint Program –Excluded from the OnePoint program: –Merchants processing, or estimated to process above $500,000 in American Express® Charge Volume (Call Amex at to set up) –All franchises are restricted from this program and should be signed as ESA / Pass through –Restricted MCC codes (Includes Petroleum and Telecommunication merchants such as cell phone carriers/stores.) –All Franchise Merchants –Merchants using non-certified VARS or Third Party software »Note: Must auth and settle to First Data. Can NOT split dial –Merchants with a mix of compatible and non-compatible terminals and software (Sign under ESA / Pass Through if all are not compatible for OnePoint) –Current merchants within the ISO’s portfolio processing under the ESA Program –Merchants located in US virgin Islands, and other US territories

Confidential & Proprietary. 13 Rate Categories Discount Rate for merchants <$500K annual CVPer Txn CNP Downgrade applied Retail2.89% $ % Tuition2.40% N/A Healthcare - Office based Doctors & Dentists2.55% N/A Supermarkets2.30% N/A Mail Order & Internet3.50% N/A Restaurant3.50% N/A0.30% Travel and Transportation3.50% N/A Services, Wholesale & All Other2.89% $ 0.15 N/A Fast Food3.50% N/A Lodging3.50% N/A American Express ® One Point Use only this Pricing set by American Express®

Confidential & Proprietary. 14 Quick Reference Card (QRC) Available for download on firstdataclients. com *This document is not to be left behind at a merchant location

Confidential & Proprietary. 15 Merchant Sizing Guide Use this volume estimator to determine the merchant’s estimated annual volume *This document is not to be left behind at a merchant

Confidential & Proprietary. 16 Pricing Changes AMEX “OnePoint” – Discount Rate and Transaction Fee The Discount Rate and the Transaction Fee pricing are dictated by AMEX and are not negotiable by merchant. This pricing is based on the merchant MCC (or SIC) and MUST match AMEX pricing per the AMEX QRC (Quick Reference Card), or the Account will be REJECTED from boarding and will go back to the agent for correction. The American Express® pricing is the same for every processor The American Express® OnePoint discount rate and transaction fee are “passed-through”, from AMEX to FDIS, to the merchant.

Confidential & Proprietary. 17 Pricing Changes Authorization Fee for American Express® – The Authorization Fee for American Express must be less than or equal to the Authorization Fee for MasterCard/Visa/Discover Network. Split Dial is not supported since both the authorization and settlement must come through First Data