Cost Savings Program

WindFall Networks, LLCThe Trusted Payments Advisor to Merchants Globally

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Our Company’s Mission: Reduce our Client’s costs for processing credit

and debit cards to the Lowest Total Cost Possible; and, then manage that process going forward to deliver extraordinary

results.

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Pledge of Assurance to our Clients: Pay for Results….only

We put our expertise and the results we drive to the ultimate test – we are only paid from the

cost reductions as a result of our in-depth analysis, guaranteed. In other words, if you don’t make money engaging our service, we

don’t get paid for our efforts, period. Don’t you wish other vendors would guarantee results?

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There are only 6 Payment Systems in the US and all methods of payments must travel through one of these systems:

Cash Wire Transfer Checking ACH Credit and Debit Card Systems (they are not the same)

There are many methods to make a payment today, such as: internet e-comm, bill pay, P2P, POS, telephone, mobile devices and many more now and to come. In order to transfer money a bank always has to be involved (i.e., usually in the “background”) and every payment method uses one of these 6 payment systems for the backbone of their service.

Payment Systems

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Visa 38%

MasterCard26%

Discover13%

Store Cards11%

American Express9% Gas Cards

3%

Hitachi Consulting Study of Consumer Payment Preferences

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Merchant “discount” fees:Assessments and fees

Card Brands Assessments, NABU, APE, FANF, etc

Processing Processors Credit/debit card highways Charge, collect and distribute all merchant discount fees

Interchange Largest fee component Charged by the acquiring bank Set by payment brands Paid to Issuing banks Over 750 Interchange categories 58% of all CC’s earn rewards which come out of the fees paid by merchants

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Industry Relationships:Card Issuing Banks

Benefit from Interchange Own, partially own or have Joint Venture’s with Processors

Card Brands: Visa, MC, Discover, Amex Set Interchange All Publicly Traded Companies now

Card Processors Work hard to earn highest possible rate for their issuing bank

partners and themselves

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Processors, Banks, ISO’sSome are owned

100% by banksSome are partially

owned by Issuing Banks

The remaining have exclusive joint venture relationships w/Issuing banks

Critical & Integral Part of Brand networks: VISA/MC

Network Relationships

Issuing Banks

Brand Networks Began as non-profitIPO 2008Sets All I/C Structure,

Components & RatesEarns revenue on every

transaction on merchant Earns revenue from Issuing

banks on transactions and services

Began as non-profitIPO in 2006Sets All I/C Structure,

Components & RatesEarns revenue on every

transaction on merchant Earns revenue from Issuing

banks on transactions and services

Began entire system Owned Brand networks

in beginning Own/Joint Venture with

Processors Critical & Integral part of

Brand networks VISA/MC

Largest risk in the system Get paid the largest

fee Interchange

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Total Cost to Process a Transaction

Interchange “Cloud”

Cost

Card Brand Costs(Assessment/Fees)

Merchant “Discount”Fees

(per item/fees/various)

Constantly Changing Adding categories Adding complexities/

convoluted Multi-faceted (elaborate)

Largest Cost Component Expertise required

Variable Multi-faceted Confusing Expertise Required

Complex Constantly changing Variable components Fixed components Expertise required

“Finger-Print” of a Credit/Debit Card Transaction (Cost)

Windfall Networks

It’s like trying to figure out the US Tax Code

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Credit and Debit Card Systems

Customer

Card “Issuing” Bank

JP Morgan Chase

Bank ofAmerica Citibank Discover

AmericanExpress HSBC GE Capital

Capital One

WellsFargo

USBancorp

What card was used by the customer?

Sponsor Bank

Credit Card Processors• First Data•Bank of America•JP Morgan Chase (Paymentech)•US Bancorp•Wells Fargo•Heartland•Elevon•Worldpay, etc.

Merchandise Service

Credit Card

Debit/Credit Card Brand Networks (unique & different)

Merchant

Processor, ISOand/or Bank

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We create transparency to this convoluted system

We are 100% independent We are not in any Joint Venture with any other company, only you

We are the “original” experts We started in 2001 We “wrote the book” on how to reduce your costs and save you money Trusted Advisor and your only advocate in the entire system The “deck” has been “stacked” against the merchant Pay-to-Play system the networks have built

We will get you to your LTCP – or we don’t get paid….period.

Windfall Networks

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Minimal time commitment for you ---- We respect your time; we do all the work.

Pay For Results Model: No cost reductions or savings to you, no payments to us We are driven by our model

We Do All The Work and we drive results….

We are successful finding cost reductions for 90% of clients

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How Our Cost Reduction Program Works:

Historical information Baseline (Effective rate) calculated Audited by you: Third party numbers Agreed upon and signed off on by you

Recommendations We will explain in detail each recommendation Explain what WE will need to do to fix each problem Get your approval to fix all, some or none We work with your processing vendors to get approved

recommendations implemented for you

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How Our Cost Reduction Program Works: (Con’t)

Timeline Usually need several months to implement solutions Each month calculate current cost (Effective rate) and compare to

baseline (Effective rate)

Example: Baseline: 2.5% 3 month; same calculation; same result 2.5% = no cost reduction = no

payment is due for our service 4th month 2%

Calculate cost reductions 2.5%-2%=.5% times volume for month and split the savings

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The Process From Here:

Sign our 2 page Agreement

Electronic assess to your Merchant Processing Statements

We will analyze your past 12 months of statements over the next several weeks

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Summary:Pay For Results: 24 months 50/50Nothing to lose except extra feesDetailed monthly reportingOn-going work to maintain and drive costs lower as

well as bring new cost reduction recommendations to you as they occur…..and they will!Industry watchdog

Agreement