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About Us ► Wholesale Payments, Inc. (WPI) was founded in 2007 and is a cutting-edge processing and servicing center. We are a full service provider of merchant services, gift Cards, check guarantee services, cash advances, business loans, and state of the art point-of-sale systems. ► Our goal is to provide our merchants with technology and business solutions that increase revenue and streamline business operations. ► Basic Business Principles ► Increase merchants revenue ► Increase merchants customer base ► Increase merchants customer loyalty ► Lower merchants processing expenses ► Provide technology that increases profits and fraud prevention

Compensation Plan Monthly Bonuses Other Commissions Deal Count Commission 8 Deals $500 Cash Advances 3%-5% 10 Deals $750 Phone Swiper $100* 12 Deals $1, 000 Virtual Gateway $150 15 Deals $1, 250 Gift Cards $50 20 Deals $2, 000 Check Services/ACH $50 Extra $100 for EVERY Cash Discount Deal!!! Value-Added Commission *$150 commission if $10, 000+/monthly statement presented with deal. FAST START BONUS Sign 30 approved and installed accounts in 90 days and receive additional $3, 000 bonus!!!

Residual Income ► Definition: Income derived from credit card sales volume of the merchant. ► Buyout planned in 2020 for 40 x monthly residual amount!!! Our competitors typically pay 10 -12 x. ► Ex. $10, 000/monthly residual becomes $400, 000 payable in onelump sum!!! ► Last buyout occurred in 2018 – Life changing!!!

Credit Card Process – Core Product Wholesale Payments, Inc. is a direct provider for credit card processing. We provide a suite of products to fit the needs of the business. ► Stand-Alone Terminal ► Point-of-Sale ► Phone Applications ► Wireless Terminal ► E-Commerce ► Virtual Gateway (MX 6)

MX Virtual Gateway MX Merchant is the future of integrated payment solutions – delivering a custom built portal that our merchants love to use. MX Merchant processes all forms of electronic payments (credit, debit and ACH) and provides intuitive tools to help with billing and collections, sales tracking, E-Commerce and customer engagement all from a single source. ► MX Gateway Features ► Recurring Billing Tool ► Invoicing Tool ► B 2 B Processing ► Inventories Customer and Credit Card Data ► ACH Billing Tool ► Big Data Analytics Tool

3 Reasons Why Your Businesses Should Start Accepting EMV Chip Cards ► Reason 1: Better security. The unique code reduces counterfeiting. ► Reason 2: Merchants can avoid chargebacks. Liability shifts from the merchant to the issuer once EMV compliant. ► Reason 3: Increases ways to pay by being able to accept Apple Pay and Google Wallet. ► Sales Opportunity ► Create new merchant accounts by upgrading terminals.

Equipment ► Clover 2018 POS System ► Clover Flex ► Dejavoo Z 8 ► Pax S 80

Cash Discount Program DEFINITION: CASH DISCOUNTING ALLOWS CUSTOMERS WHO PAY WITH CASH TO RECEIVE A DISCOUNT. CUSTOMERS WHO PREFER TO PAY WITH A CREDIT OR DEBIT CARD WILL SEE A NON-CASH ADJUSTMENT ON THEIR RECEIPT. ESSENTIALLY, THE PROCESSING FEES ARE BEING MOVED FROM THE MERCHANT TO THE CUSTOMER. CASH DISCOUNT PROGRAMS ARE LEGAL IN ALL 50 STATES PER THE DURBIN AMENDMENT (PART OF THE 2010 DODD-FRANK LAW), WHICH STATES THAT BUSINESS ARE PERMITTED TO OFFER A DISCOUNT TO CUSTOMERS AS AN INCENTIVE FOR PAYING WITH CASH. ***The Dodd-Frank Law prohibits a payment card network, such as Visa, from inhibiting the ability of anyone to provide a discount for payment by cash, checks, debit cards or credit cards. ***

Is Cash Discount Legal? According to 15 U. S. Code § 666 f it is. ► 15 U. S. Code § 666 f. Inducements to cardholders by sellers of cash discounts for payments by cash, check or similar means; finance charge for sales transactions involving cash discounts. ► Cash Discounts – With respect to credit card which may be used for extensions of credit in sales transactions in which the seller is a person other than the card issuer, the card issuer may not, by contract or otherwise, prohibit such seller from offering a discount to a cardholder to induce the cardholder to pay by cash, check, or similar means rather than use a credit card. ► Finance Charge – With respect to any sales transaction, any discount from the regular price offered by the seller for the purpose of inducing payment by cash, checks, or other means not involving the use of an open-end credit plan or a credit card shall not constitute a finance charge as determined under section 1605 of this title if such discount is offered to all prospective buyers and its availability is disclosed clearly and conspicuously.

Cash Discount Programs Standard Program $400 Base Commission • $45 Program Fee • $45 Monthly Minimum (must process $1, 150 to meet minimum at 3. 99%) • $95 Annual Fee • $495 Early Termination Fee Zero Program $300 Base Commission • $0 Program Fee • $65 Monthly Minimum (must process $1, 650 to meet minimum at 3. 99%) • $95 Annual Fee • $495 Early Termination Fee

Cash Discount - Receipt ► 3. 5% to 3. 99% Cash Discount. ► Any displayed price IS the cash discount! ► When a customer chooses to pay with their card, they are not getting the CASH DISCOUNT! They are paying the ACTUAL price because the actual price is 3. 99% MORE as disclosed on the signage. ► Ex. Pizza and a drink runs $10 cash or $10. 39 with a credit/debit card. The customer ends up paying the processing fees for the merchant.

CASH DISCOUNT APPROACH EXAMPLE (Make it your own) How y’all doin today? How long y’all been in business? Great! My name is Sean Johnson, and I am a local business owner in the area helping small businesses with credit card stuff. Quick question for you, “Who do you use to take credit cards? ” Alternate opening: Great! My name is Sean Johnson and I work with small businesses here in the area… Just had a quick question for you, “Who do you use to take credit cards? ” Oh, _____, I have heard of them! I’m just curious… have you heard anything about the cash discount program? ? Really? ? Well, if I am able to TOTALLY eliminate all your credit card fees, and at the same time increase the flow of cash to your business, I AM SURE you would do business with me today, wouldn’t you? Good

Business owners everywhere are jumping into the cash discount program, for example, I am sure you have seen as you drive around town or on the highway gas stations that have like a cash price for $3. 00 and a credit card price for $3. 18…you have seen that right? Of course! That’s the cash discount, and they are paying ZERO in fees! Also, I know you have seen this, when you took your wife out to get that new car and you saw that sticker that said $25, 000. Well, when that sales guy leaned over and asked you how you were going to pay, the second you said you were gonna finance it, you knew you weren’t getting that cash discount price of $25 k right? Or when you took your car in for inspection and you pulled out your credit card, what did they do? They added a fee for using credit card right? You see everyone is going to cash discount because it eliminates the fees.

Explaining the Program: Okay, here’s how it works---you don’t need to change your prices or menu--because all displayed prices---they are the cash discount price! So, when your customers pay cash, they actually get a discount! However, whenever someone pulls out a credit card, well, they just don’t get the cash discount---they are paying the actual price which is displayed on the signage. OBJECTION: I DON’T WANNA CHARGE MY CUSTOMER!!! EXAMPLE REBUTTALS: 1. (Practice Active Listening & tell them to just try it) Ok, Jim, what you are really saying that if you try out the cash discount program and you are saving $6 -700 a month, you’re afraid you might lose customers right?

I totally understand how you are feeling, and Jim, I wanna ask you something, when you ask a customer if they want a receipt, they normally don’t right? Of course not! And when you give them one— they normally just ball it up and throw it away right? So customers don’t even notice!! They don’t care because today everybody loves using credit cards! [ASSERTIVE] So here’s what I am going to do for you Jim: I am gonna put my machine in here for a month and I just want you to try it out! Personally I think you’re gonna love it when on the first of next month instead of seeing 5, 6, $800 bill—all you will see is $45—I think you will love it, Jim! But I tell you what, if anytime between now and then you or your customers aren’t 100% lovin it---just gimme a call on my cell because I work for you Jim!

You see those employees over there, Jim—you pay them to take care of stuff for you right? Well, I work for you and take care of all your credit card stuff from now on—I work for you but I pay myself really well—HAHA!—Ok Jim, so if you’re not lovin it, just call me and I will come and hit a button, and you will be doing exactly what you are doing right now, just 30 -50% cheaper! Now if you have a statement, I can actually show you to the penny how I can leave 30 -50% more in your bank account each month—do you have one handy or can I pick it up when I come back? Ok Jim, Any questions? ? [CLOSE]

2. (Cash Customer Discount) Jim, I completely understand you saying you don’t want to charge your customer—I get it---(Look around business)—Jim, how long you been here? 5 years? Wow! Looks like you got a pretty successful business and I bet you are not running a 3 -4% deficit every month are you, Jim? Of course not! You make sure you pay all your bills—including your credit card stuff—every month right, Jim? Well, that tells me that you have built all your credit card fees into your prices to make sure you cover your cost right Jim? Yep, and tell me something, is it really fair to your cash customer to be paying for somebody else to get 2% or 5% cash back? Is that really fair Jim? Or should she be paying for someone else’s trip to Paris? Jim, doesn’t that cash customer actually deserve a real discount? And Jim, don’t you? Why should you be paying for somebody to go to Paris right? So here is what I am going to do for you Jim, I am going to put my machine in for the next 30 days and I want you to try this out!—[USE ASSERTIVE ABOVE]

3. (RUN THE NUMBERS) Jim, I completely understand you saying you don’t want to charge your customer —I get it—[pull out your calculator] but here is something to think about: Now Jim you said you are paying $1, 000/month right? [type into calculator on phone] x by 12=so Jim that’s $12, 000 a year you are paying in credit cards correct? Ok, Jim, I told you that your only investment with me is $45/month right? [type into calculcator on phone] x by 12= so Jim, with me, you are only investing $540/year!! Think about that! $12, 000 you’re giving away to pay for somebody else to have a great vacation, renovate their house, help their kid go to college— Jim, wouldn’t it just make more sense to use that $12, 000 to take your wife on that dream vacation, or help put your kid through college? Of course!! So here is what I am going to do for you, I am going to put my machine in for the next 30 days and I want you to try this out!—[USE ASSERTIVE ABOVE]

OBJECTION: I NEED TO THINK ABOUT IT: Jim, didn’t you tell me earlier that if I could show to totally eliminate your credit card fees, and at the same time increase cash flow to your business—you said you would do business with me today, didn’t you? What’s changed Jim? Is It me? Did I not share something clearly enough? Is it the equipment? You don’t think I’ll bring you state of the art equipment? Or is it the money? You don’t think I’m leaving you enough in your bank account every month? Now Jim, you said we would do business today, so we are gonna do business today, so I want you to give this cash discount a shot—[USE ASSERTIVE ABOVE] Now, Jim if you do not want to do cash discount, then here’s what I will do for you— you can keep doing exactly what you have been doing just 30 -50% cheaper! I’ll show you to the penny how much money I am able to leave in your bank account. The key is to give your merchants options—if they don’t want to do cash discount, do traditional. Get the statement and send it in. This is not a hard sale but a conversation informing the merchant of a great opportunity. See yourself as his consultant providing your best recommendations

Gather two pieces of information so we can verify if we do or not integrate: Point-of-Sale Integration 1. Software name and version 2. Customer Support number for the POS Once received, provide this information to your Sales Manager and they will let you know if we can integrate or not. There is always a solution if there is value for the merchant.

Pre-Set Daily Appointments Wholesale Payments, Inc. provides pre-set daily appointments. You must keep a 20% deal-to-appointment ratio to stay on the appointment board. Appointments are set for the next day. All appointments are emailed to the account managers email at the end of each business day. Each call is recorded and submitted to our Quality Assurance department to verify the following: Decision Maker Address Reason for Meeting Need for Credit Card Statement Time and Date of Appointment To remain on the appointment board you need an average of two deals a weeks.

Best Ways to Fail in the Credit Card Processing Industry

4. Don’t call your manager 3. Don’t invest in yourself

2. BE LAZY 1. Don't walk in to 20 businesses every day!

Getting Started ► Speak with your manager on his/her cell or office phone (806) 698 -0625. ► ► Get your corporate email set up on all your devices (phone, laptop, etc. ) ► ► Call and speak with a recruiter if you’re unsure of who your manager is. Call your manager if you need assistance. Email your manager and include the following: ► Zip codes that you prefer to receive appointments in and the date you’d like to begin and ► Include any industries, interests, and/or experience that may help our callers ► Answer confirmation email once it’s been sent to you and then call your manager.