strategic partnership for success...a strategic partnership for success 877-290-6896 • Company Overview Nationwide Payments is a Level II PCI DSS Certified Direct Payment Processor

from transaction to satisfactionTM

a strategic partnership for success

getnationwide.com

a strategic partnership for success

877-290-6896 • www.getnationwide.com

CompanyOverview

Nationwide Payments is a Level II PCI DSS Certified Direct Payment Processor handling nearly $4 billion in electronic payment transactions annually for merchants throughout the country. We provide credit, debit and check card processing, electronic check acceptance, e-commerce solutions and custom gift and loyalty card marketing programs. We also provide several special industry programs for governments, schools, universities, parking facilities, utilities and oil companies.

We have partnered with over 200 regional and national associations, banks, software companies and business organizations to offer co-branded services. We give our partners and merchants the confidence of knowing they have chosen a trustworthy and long-term business partner.

2002 2008 2009 2010 2011

Nationwide Payments was founded.Nationwide Payments is listed on the INC 5000 list for four consecutive years

MuniciPAY is released, a custom government

payment solution.

RetailPAY is released, a hosted payment engine and API interface.

Nationwide Payments hasover 200 Sales Professionals

across the country.

The Proof is in the Pudding

Nationwide Payments Ranks No. 4014 on the 2011 Inc. 500|5000 with three-year sales growth of 31 percent. Inc. 500|5000 is an exclusive ranking of the nation's fastest-growing private companies. The list represents the most comprehensive look at the most important segment of the economy—America’s independent entrepreneurs.

Nationwide Payments joins Spirit Airlines, Vizio, Honest Tea, and Dunkin Donuts among other prominent brands featured on this year’s list. In addition, we had made the list four consecutive years and currently ranks #184 in the financial services industry and #7 overall in the state of Maine.

In a stagnant economic environment, the median growth rate of the 2011 Inc. 500|5000 companies remains an impressive 94 percent. The companies on this year’s list report having created 350,000 jobs in the past three years, and aggregate revenue among the honorees reached $366 billion, up 14 percent from last year.

“Now, more than ever, we depend on Inc. 500/5000 Companies to spur innovation, provide jobs, and drive the economy forward. Growth companies, not large corporations, are where the action is.”

Inc. Magazine Editor Jane Berentson

ProgramOverview

Offering your customers valuable tools that make their business more profitable and easy to run is crucial for building a long-term banking relationship. Our Partner Plus program allows your Financial Institution to offer your customers a turn-key Merchant Services Program as part of your own suite of services while assuming no risk or liability. Our program is designed to strengthen branding, increase customer loyalty and build an additional onging revenue stream.

Generate an ongoing revenue stream from all customer processing activity.

Submitting merchant referrals is easy. You can send the information to us via a phone call, email or fax.

Your customers benefit from a competitive rate guaranty for the life of their relationship with Nationwide Payments.

Financial Institutions assume no risk or liability.

What are the Pluses?

Value-Adds

Kiosks Solutions

Stand alone kiosk solutions are quickly becoming popular with schools, churches, daycares and government offices. Kiosks can be used to accept donations, electronic payments and registrations in a convenient, secure and economical manner.

Mobile/Wireless

We have a variety of cost effective solutions for merchants on-the-go.

No Cost Check Recovery

We offer a no cost check recovery program that significantly enhances the check recovery rate of bounced checks. All successfully collected checks are reimbursed weekly to the merchant at 100 percent of the face value of the returned check. This completely free service has an 80−85 percent recovery rate, and greatly reduces internal collection expenses.

E-commerce Solutions

To remain competitive and reach a wider customer-base in today’s market, your merchants need to offer their goods and services online. With our variety of hosted gateway solutions as well as integration options with third party shopping carts, your customers can be selling securely online in no time.

Merchant Referral Program

We offer a Referral Program that earns merchants up to $100 for each business they refer to us.

Short-term Capital Financing

If you are unable to provide traditional financing, short-term capital financing options are available via a merchant’s Nationwide Payments merchant account.

Electronic Check Conversion

Electronic check conversion solutions allow merchants to accept both business and personal checks. This service greatly reduces the amount of bad checks, trips to the bank and speeds up the merchant’s funding time.

Gift & Loyalty Card Programs

Getting new customers can often be one of the biggest challenges for merchants today. Gift cards are a less expensive and more effective alternative to traditional advertising. These customizable programs are designed to promote loyalty, increase cash flow and are an accurate way to track advertising expenses.

Competitive Rate Guaranty

We guarantee to review any competing offers your customers may receive to ensure their rates remain competitive for the life of their relationship with us.

Credit and Debit Acceptance

Nationwide Payments enables your merchants to accept all forms of non-cash payments including Visa, MasterCard, American Express, Discover, Wright Express, Diners, JCB and PIN-based debit cards.

24/7Support

Day or night—365 days a year—our customer service and technical support teams are just a phone call away. They are equipped with extensive industry knowledge and committed to providing quality service whenever it is needed.

It is our mission to treat industry merchants, Sales Professionals, Strategic Partners, municipalities, and our employees as true partners in our quest to become the standard of ethics in the processing industry.

“Nationwide Payments has been the processor for Tri Counties Bank for over 7 years. Of all the other processors Tri Counties Bank has had, Nationwide’s commitment has been unparallel. Their customer service, technical support, pricing and service has exceeded all of our expectations. We recommend them to any financial institution that is looking for a superior processor.”

Regional Merchant Sales Manager, Tri Counties Bank

Reporting

Merchant Manager

This reporting allows you to view merchants’ statements, PCI DSS validation status, daily batches, individual transactions, and a history of notes on each individual account.

Transaction Manager

Our online reporting system that allows merchants to track daily deposits, batches, view billing statements and monitor individual transactions so they can easily reconcile daily activity.

Additionally, we offer multi-location merchants the ability to easily monitor and reconcile each of their locations via our on-line reporting system.

Residual Manager

Gives you a detailed residual report that allows you to monitor the processing activity and profitability detail of each merchant account.

Sample Monthly Summary Residual Report

COMMISION TYPE

AMEX RESIDUALS

CC RESID-HOLD-REJ

CC RESID-RELEASE-REJ

CC RESIDUALS

MCA RESIDUALS

MP CHAIN SUMMARY

NPS ACCOUNT PAYABLE

NPS CHECK SERVICE

SET UP FEE COLLECTED

WOODFOREST

AMEX RESIDUALS

CC RESIDUALS

NPS CHECK SERVICE

AGENTRESIDUAL

AFFILIATERESIDUAL

ITEMS

0

737

924

119,955

43

130

3

561

0

2094

0

12,447

#MERCH

57

15

4

855

2

2

10

7

3

27

1

35

1

AVG TKT ($)

16.84

23.11

71.29

155.17

0.02

0.00

0.02

328.47

$74.57

PROFIT ($)

216.78

595.28

269.26

80,431.64

40.36

1.33

(34.46)

102.11

275.00

336.06

0.12

3,091.05

9.73

$82,233.36

RESIDUAL ($)

21.68

0.00

26.92

8,043.16

4.04

0.26

(34.46)

10.21

275.00

33.61

0.12

309.11

0.97

$8,690.62

VOLUME ($)

103,464.00

17,984.38

21,349.91

8,564,075.46

1,510.62

6,672.31

8,846.64

0.00

57,651.93

30.00

687,810.65

500.00

$9,469,895.80

CustomizedBilling Statements

Merchant Billing Statement

Merchant Information

July 2014

Nationwide Payments400 Technology WayScarborough, ME 04074

MID# 4522654568654DBA Company Name

For Customer Service, Technical Support orSupplies please call 1-877-564-5656

TRANSACTION SUMMARYTransactionType

Discover (32-39)Visa (40-43)MC (50-58)

Grand Totals

* One business day from batch date

SaleItems

122

5

SaleAmount

$30.00$97.00

$100.00

$227.00

RefundItems

000

0

RefundAmount

$0.00$0.00$0.00

$0.00

NetTotal

$30.00$97.00

$100.00

$227.00

AverageSale

$30.00$48.50$50.00

$45.40

BATCH DETAILS

TerminalID

59015901590159015901

Totals

TotalItems

11111

5

BatchTotal

$57.00$60.00$30.00$40.00$40.00

$227.00

NonSettled

$0.00$0.00$0.00$0.00$0.00

$0.00

DiscountPaid

$0.00$0.00$0.00$0.00$0.00

$0.00

Settled

$57.00$60.00$30.00$40.00$40.00

$227.00

BatchDate

06/30/201406/11/201406/13/201406/25/201406/28/2014

SettledDate*

06/01/201406/13/201406/14/201406/26/201406/29/2014

BatchRef

56742842546628661031

PASS THROUGH - INTERCHANGE RATES/ITEMS

Description

35 1223 D Corp Commercial Electronic42 1277 CPS Retail - DEBIT52 1223 Merit III - DEBIT55 1223 Enhanced Merit III80 1523 Disc Issuer Access & Settlement Fee80 1524 Visa Issuer Access & Settlement Fee80 1525 MC Issuer Access & Settlement Fee80 1532 Disc Dues and Assessment80 1540 Visa Dues and Assessment80 1550 MC Dues and Assessment

SaleItems

1211122122

SaleAmount

$30.00$97.00$40.00$60.00

$0.00$0.00$0.00

$30.00$97.00

$100.00

RefundItems

0000000000

RefundAmount

$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00

AvgTicket

$30.00$48.50$40.00$60.00

$0.00$0.00$0.00

$30.00$48.50$50.00

Intg perItem

$0.1000$0.1500$0.1500$0.1000$0.0075$0.0225$0.0185$0.0000$0.0000$0.0000

IntgRate

2.3000%1.0300%1.0500%1.7300%0.0000%0.0000%0.0000%0.0925%0.0925%0.0950%

PROCESSING FEES (INCLUDING INTERCHANGE & SETTLEMENT FEES)

Description

American Express (30)Discover (32-39)Visa (40-43)MC (50-58)

FeeAmount

$0.00$1.00$1.96$2.38

$5.34Totals

RiverHillSAVINGS INSTITUTION

Choose from a variety of customized billing statements catered to your needs. Our billing statements are simple, easy to reconcile and available in paper or online.


Hittingthe Mark

A successful marketing strategy makes a difference. We will work closely with you to develop a marketing strategy that will help maximize the benefits of our partnership including co-branded billing statements, merchant applications, placards and online referral forms to help target your customer base.

Mail out announcement/endorsement letters

Nationwide Payments designed flyer for your newsletters

Direct mail to all businesses in the local area

Website advertising (banners/splash page/referral links)

Press release to business journals and local papers

Employee Incentive Program

Added Marketing Strategies


Accepting credit cards at your business will INCREASE cash �ow.

Partnering with the right credit card processor can DECREASE your costs.

Nationwide Payments is a Level 1 PCI DSS Certi�ed Direct Payment Processor handling nearly $4 billion per year for over 20,000 customers. NPS is a registered Merchant Service Provider (MSP) and Third Party Processor (TPP) of Visa, MasterCard, Discover, and American Express.

www.getnationwide.com

Ask to speak with a bank representative.

That is why River Hill has teamed up with Nationwide Payments to provide credit, debit and check card processing, electronic check acceptance, e-commerce solutions and custom gift and loyalty card marketing programs. NPS also o�ers several special industry programs for governments, schools, universities, utilities and oil companies.

• No Hidden Fees or Long-term Contracts

• Credit, Debit and EBT Processing

• Competitive Rate Guaranty

• Outstanding 24/7 Customer Support

• Web-based Reporting & Reconciliation

• Custom Solutions by Local Experts


MERCHANT APPLICATION Registered ISO/MSP of Deutsche Bank AG.

BUSINESS CONTACT INFORMATION - PRINT LEGIBLY New Add’l Loc/MID# Ownership Change

BUSINESS PROCESSING PROFILE (must be accurate)

OWNER OR OFFICER INFORMATION (combined equity must equal 50% or higher) ***ALL FIELDS ARE REQUIRED***

CARDHOLDER DATA SECURITY - PCI DSS ***MUST BE COMPLETED*** Visit pcisecuritystandards.org for more info.

MEMBER BANK INFORMATION

IMPORTANT MEMBER BANK RESPONSIBILITIES IMPORTANT MERCHANT RESPONSIBILITIES

Sole Prop Partnership Corporation Non-Pro�t (501c doc req) LLC

DBA Name

Location Address

City

Fed Tax ID#

$ _______________________________ $ ___________________________ $ ___________________________ _________________________________________________________________ **Annual Volume **Average Ticket Size **Hight Ticket Amount Describe in detail

Location Phone Primary Contact Name Fax # Primary email Address (required)

State Zip State Zip

Legal Name

1 First Name

HSBC Bank USA, National Assocation • Merchant Support Group • PO Box 3263 • Bu�alo, NY 14240-4563 • 716-841-6360

Home Address (no PO Box) City

Last Name SS# DOB Home Phone Equity %

CARD SWIPE (mag stripe) w/SIGNATURE

CARD PRESENT/KEY ENTERED w/SIGNATURE & IMPRINT

MAIL/TELPHONE SALES (MOTO/IO ADDENDUM REQUIRED)

INTERNET/E-COM SALES (MOTO/IO ADDENDUM REQUIRED)

(Describe Products/Service in Detail - use cover sheet if more space is needed)

______________________________________________________________________________

______________________________________________________________________________

_________%

_________%

_________%

_________%

Date Business Started ____________________ Prior Bankruptcy? Y N

Currently accept credit cards at this location or other business? Y N

Seasonal?* Y N *$25 seasonal shutdown fee applies

Are customers reqr’d to pay deposits? Y N What % of sales? ________%

# of days product/service shipped/complete? 0-2 3-15 16-30 >30(from time credit card is charged)

Website Address: _______________________________________________________________

Refund Policy All Sales Final ______ # of days Exchange Only

Mailing Address

Mailing City

**NOTE: Signer certi�es that the average/high ticket, annual volume and business pro�le indicated is accurate. Signer further agrees that any transaction and/or volume that exceeds theamounts indicated above OR any signi�cant pro�le or �nancial charges may result in delayed and/or withheld settlement of funds. Notifying NPS in advance will help avoid such delays.

If information provided does not match the information on �le with the IRS, NPS will require the submission of a W9 tax form. Failure to submit a W9 tax form with accurate information willresult in a $50 penalty per tax year as well as a 28% withholding per IRS regulation. For more information on T.D. 9496 Merchant Reporting, please visit IRS.gov. A 1099-K report will beprovided by NPS each tax year beginning in January 2012.

State Zip

2 First Name

Home Address (no PO Box)

1. A Visa Member is the only entity approved to extend acceptance of Visa products directly to a merchant.

2. A Visa Member must be a principal (signer) to the Merchant Agreement.

3. The Visa Member is responsible for educating Merchants on pertinent Visa Operations Regulations with which merchants

must comply.

4. The Visa Member is responsible for the must provide settlement funds to the merchant.

5. The Visa Member is responsible for all funds held in reserve that are derived from the settlement.

1. Merchant must ensure compliance with cardholder data security and storage requirements.

2. Merchant must maintain fraud and chargebacks below thresholds.

3. Merchant must review and understand the terms of the Merchant Agreement.

4. Merchant must comply with Visa Operating Regulations.

The responsibilities listed above do not supersede terms of the Merchant Agreement and are provided to ensure themerchant understands these speci�c responsibilities.

City

Last Name SS# DOB Home Phone Equity %

State Zip

1. Have you experienced a cardholder data breach? Y N

a. If yes, date of compromise: _______________________________

2. Are you PCI DSS validated/certi�ed? Y N

a. If yes, date of last audit: __________________________________

b. If yes, submit authorized assessor certi�cate

Merchant Location: Retail Storefront O�ce Building Residence Mall Kiosk/Tradeshow Booth Other: ___________________________________

Area Zoned: Commercial Industrial Residential Square Footage: 0-250 251-500 501-2000 >2000

The Merchant: Owns Leases the Location Landlord Name & Contact Number: ___________________________________________________________________________

Does this business and the products/services appear to be consistent with this type of business? Y N If no, please explain: __________________________________________

By signing below, I hereby con�rm that the information on this application is true and correct as the merchant applicant has described and that I have veri�ed the identify of the business, its

owners and the signer(s) of this application. I further con�rm that I have physically inspected the business premises at the location address stated above.

______________________________________________ __________________________________ X _________________________________________________________ _________________

Sales Professional name and ID # Strategic Partner/A�liate ID # Sales Professional Signature Date

Nationwide Payment Solutions, LLC 400 Technology Way, Scarborough, Maine 04074 • nationwidepaymentsolutions.com Version 1.19.2011

3. Do you electronically store any cardholder data? Y N

a. If yes, where is it stored? On-site 3rd Party Software/Gateway POS Terminal

4. How do you process your transactions? POS Terminal 3rd Party Software/Gateway/Service Provider

POS 3rd Party Software/Gateway Name: ____________________________________ Version #: ________________

POS 3rd Party Software/Gateway Contact Name and #: _________________________________________________

MERCHANT SITE SURVEY REPORT (to be completed by Sales Professional)

SampleCo-branded

CounterTents

SampleCo-branded

Placards

SampleCo-brandedApplication



home about contact

Business Services

SOLUTIONS SERVICES PRODUCTS WEB BANKING

Home » Services » Business Services » Merchant Card Services

Banking

Business Loans

Investments

Business Services

Merchant Card Services

Equipment Leasing

Cash Management

locations | careers | contact us | privacy policy

Merchant Card ServicesGive your customers a wider range of payment options with electronic payment processing from Nationwide Payment Solutions (NPS).

Increase your average sales ticket, minimize your losses from bad checks and charge backs, di�erentiate your business by o�ering more payment options and enhance your customer relationships. Plus, keep track with just one monthly statement and online reporting.

To Experience the NPS Di�erenceTM and have a representative from Nationwide Payments contact you simply �ll out our online form.

For more information about electronic payment processing and visit us at:www.getnationwide.com

Service & Solutions• Credit and Debit Acceptance


• Gift & Loyalty Card Programs

• Merchant Referral Program

• E-commerce Solutions

• Online Reporting

• Electronic Check Conversion

• No Cost Check Recovery


home about contact

Business Services

SOLUTIONS SERVICES PRODUCTS WEB BANKING

Home » Services » Business Services » Merchant Card Services

Banking

Business Loans

Investments

Business Services

Merchant Card Services

Equipment Leasing

Cash Management

locations | careers | contact us | privacy policy

Merchant Card ServicesGive your customers a wider range of payment options with electronic payment processing from Nationwide Payments.

Increase your average sales ticket, minimize your losses from bad checks and charge backs, di�erentiate your business by o�ering more payment options and enhance your customer relationships. Plus, keep track with just one monthly statement and online reporting.

To experience the di�erence and have a representative from Nationwide Payments contact you simply �ll out our online form.

For more information about electronic payment processing and visit us at:www.getnationwide.com

Service & Solutions• Credit and Debit Acceptance


• Gift & Loyalty Card Programs

• Merchant Referral Program

• E-commerce Solutions

• Online Reporting

• Electronic Check Conversion

• No Cost Check Recovery



Bank Contact Person

REFERRAL INFORMATION

Merchant Name (DBA)

Business Physical Address

Business Town/City

Business State, ZIP

Contact Person

Business Phone

Business Fax

Email Address

MERCHANT CONTACT INFORMATION

BUSINESS PROFILE

Business Structure choose one

Merchant Type choose merchant type

Owners Name

Percentage of Ownership %SampleCo-branded

Webpage

SampleCo-branded

ReferralForm



Nationwide Payment Solutio

ns

Com

m

unity Partnership Program

The Added BenefitsNo cost to participate.

Raise awareness of your organization with local businesses.

Receive monthly donations from a portion of proceeds generated from each merchant account referred.

Participating charitable organizations can be recognized on co-branded merchants’ billing statements.

GivingBack

Nationwide Payments wants to help strengthen local communities. For partners that want to give back, we have developed a program to generate ongoing monthly donations to charitable organizations via Nationwide Payments merchant processing activity.

“We make a living by what we get, but we make a life by what we give.”

Winston Churchill

Nationwide Payments

Com

m


Nationwide Payment Solutio

ns

Com

m


GrowWith Us

Northern California National Bank in Chico, California have been Strategic Partners with Nationwide Payments for over 5 years.

We have experienced outstanding service from all the staff at Nationwide Payments. This is a company that is dedicated to providing the best possible service to both the customer and the financial institution.

Their follow thru is excellent and the products and pricing are very competitive. I am especially impressed with the turn around time for installation.

I would highly recommend Nationwide Payments to anyone needing merchant services as their preferred vendor. Thank you.

Sincerely,AVP Customer Service Manager, Northern California National Bank

Documents

strategic partnership for success...a strategic partnership for success 877-290-6896 • Company Overview Nationwide Payments is a Level II PCI DSS Certified Direct Payment Processor