1. Give More… … and put the most powerful retention tool in your hands!

2. Program Overview  Program Background  Program Features  Why Sell Gift Cards?  Things You Might Not Know about Gift Cards  Gift Card Facts & Statistics  Loyalty Card Facts & Statistics  Enhanced Loyalty  Multi-Locations  Gift/Loyalty Online Accounting  UBC’s Certified Terminals  Classic Gift Card Types  Put Stored-Value to Work  Multiple Uses  Merchant Benefits Give More… …and put the most powerful retention tool in your hands!

3. Gift/Loyalty Program Background What are Gift Cards? Gift Cards replace paper gift certificates. This plastic card is designed specifically for businesses. The “gift value” amount is loaded by swiping a magnetic striped card though a POS terminal and the data is stored on the host database. Gift Cards can be used multiple times and can be reloaded. What are Loyalty Cards? Loyalty cards are identical to gift cards but instead of storing monetary value, a point based system is used. This system is used to track and reward customers for their purchases, giving them a compelling reason to return. The idea of gift cards began with Neiman Marcus in 1994 when they introduced it into their chain of stores. Since then, gift cards have spread in popularity for both merchants and consumers alike. Give More… …and put the most powerful retention tool in your hands!

4. Program Features  Transaction & hosting fee based program  Online reporting  Flexible enough to work for the smallest volume merchants and to satisfy the largest chains/franchises  Software supports both gift and loyalty card programs  Cards can be loaded with any dollar or point value  Choice of completely custom designed cards or merchant can choose from a selection of pre-designed cards Give More… …and put the most powerful retention tool in your hands!

5. Why Sell Gift Cards?  Open doors to new merchants  Retention! Retention! Retention!  According to the Green Sheet, annual merchant turnover is reduced up to 50% with a gift card program  Merchants find it difficult to leave because gift cards with balances must be honored to comply with laws  Earn additional revenue  If you don’t sell gift cards to your merchants, others will sell them and will take your merchant with them Give More… …and put the most powerful retention tool in your hands!

6. You May Not Know… Gift Cards are not just for the Holiday Season Gift Cards capitalize on impulse purchases Switching from paper certificates to plastic cards can result in 200-400% growth in related sales because plastic cards are more visible and widely publicized everywhere. Birthdays are the #1 occasion for gift card purchases. Additionally, the “Spring Holiday Season” includes Mother’s Day, Father’s Day and Graduations are some of the biggest gift card selling days of the year. Give More… …and put the most powerful retention tool in your hands!

7. Gift Card Facts & Statistics  A national study found that the Average consumer polled spent $164.81 on gift cards during the 2006 Holiday Season National Retail Federation (NRF)  Average consumer spending on gift cards grew by 87.2% from the 2005 Holiday Season to the 2006 Holiday Season  Of those who received cards, 51% spent more than the card’s initial value National Retail Federation (NRF)  75.5% of consumers polled purchased at least one gift card for the 2006 Holiday Season National Retail Federation (NRF)  The gift card industry has grown to be a $35.5 billion industry and will surpass the $85 billion mark by 2010 MarketResearch.com (“Packaged Facts” report 2006)  Average card usage is 3 transactions per card Give More… …and put the most powerful retention tool in your hands!

8. Loyalty Card Facts & Statistics Consumer spending is 46% higher for companies that offer loyalty card programs (Loyalty Monitor Study by Total Research Corp. and Custom Marketing Corp) Loyalty cards increase average purchase and visit frequency by over 25% Gift and Loyalty features can be on one card Merchants can track purchase behavior for marketing purposes Give More… …and put the most powerful retention tool in your hands!

9. Enhanced Loyalty  Easy to customize for different business types; all cards can accrue and distribute rewards an unlimited number of times.  Transaction-based point accumulation towards designated goal Allows Merchants to Create Their Own Point-Based System  Optional “auto-redeem” at chosen point level  Point-to-dollar conversion available for merchants with Gift & Loyalty program Give More… …and put the most powerful retention tool in your hands!

10. Multiple Locations Our program can be seamlessly integrated into businesses with multiple locations, allowing customers’ gift/loyalty cards to be purchased and used interchangeably at each storefront. Features:  Enroll participation merchants  Cards can be issued at all locations  Cards redeemed at participating merchants  Increase brand recognition and loyalty with customized cards Give More… …and put the most powerful retention tool in your hands!

11. Gift/Loyalty Online Accounting Our most effective tool for providing information and resources to your merchants. Merchants can log on to http://giftcards.unitedbankcard.net/ for reports and cardholders can log on to www.ubcgiftcards.com for card balances. http://giftcards.unitedbankcard.net/ www.ubcgiftcards.com Features:  Personalized reporting for all merchants  Virtual terminal  On-line balance inquiry for cardholders Give More… …and put the most powerful retention tool in your hands!

12. UBC’s Certified Terminals United Bank Card is certified on most major terminals in the marketplace today! For more information and a specific terminal matrix, please visit the Interactive ISO System (IIS) for a list of accepted terminal types. Give More… …and put the most powerful retention tool in your hands!

13. Classic Gift Card Types A Product For Every Merchant 25 Free Cards with a 60-Day Trial Period If your merchant is not initially interested in purchasing a gift card package, United Bank Card has developed a free starter kit that will allow them to test the service without making the initial investment. After the 60-day trial period, if your merchant doesn’t cancel, they will be charged a monthly fee and a transaction fee. One-Color Pre-Designed – *Cards ship in 3-5 days from proof approval  Create an original card design from a set of templates and standard colors  Get cards to your merchants in days One-Color Custom - *Cards ship in 3-5 days from proof approval  Combines the power of custom artwork with the lower cost of one-color printing  Custom graphics boost brand loyalty Four-Color Custom - Cards ship in 12-15 days from proof approval  Sets a merchant apart with full-color custom cards  Design support available  Custom color matching *Delivery times based on orders of 1,000 cards or less Give More… …and put the most powerful retention tool in your hands!

14. Put Stored Value to Work Promotional Marketing Tool  Promotional gift cards are less expensive than purchasing ad space  Discount cards can be mailed to targeted customer group  Used as a gift with purchase Corporate Incentives  Sell to companies to use as employee incentives/rewards Prepaid Vehicle for Recurring Sales  Coffee Shops, Dry Cleaners, Auto Detail, Oil Change Programs, etc. Store Credits, Returns & Refunds  Keeps cash in the drawer Customer Appreciation and Retention  Reward loyal customers  Turn customer disputes into retention opportunities Fund Raisers  Sell cards at a discount to schools & non-profits Budgeting or Limited Expense Account  Use for business spending, gas allowance, etc. Give More… …and put the most powerful retention tool in your hands!

15. Multiple Uses Uses That Help Build Revenue  Holiday and special occasions  Promotional marketing tools  Corporate gifts  Pre-paid vehicles for recurring transactions  Merchandise returns Give More… …and put the most powerful retention tool in your hands!

16. Merchant Benefits …and put the most powerful retention tool in your hands! Increased Sales  Retain full face value – no cash back  Consumers often spend more than the card’s face value  Merchant retains any unused balance (subject to state laws) Reduced Costs  More efficient and cost-effective than paper  No “back room” accounting – reports generated electronically Security  Cards have no value until activated  Plastic cards are harder to counterfeit than paper certificates Give More…

17. Convinced? Give More with United Bank Card Gift and Loyalty Card Programs …and put the most powerful retention tools in your merchants hands!