1. 1 NFRI, INC MERCHANT CREDIT CARD SERVICES & SYSTEMSPRESENTATION AGENT FOR RELIANT PROCESSING AND MONEY TREE

2. Founded in 1993 as National Financial Resources, Inc. Independent sales organization Company specializes in merchant services (credit card, debit cards, check guarantee) 2 NFRI, INC CORPORATE PROFILE

3. We represent two national credit card processing companies: Money Tree, sponsored by HSBC (formerly Household Bank Reliant Merchant Services sponsored by First Data Resources 3 NFRI, INC.

4. Our goal is to be the best merchant services provider to our customers. Our philosophy is to treat customers with the same high level of service your customers have come to expect from you. 4 NFRI, INC.

5. Check guarantee and conversion Wireless terminals Gift and loyalty programs Online statement and transaction history 24/7 Customer Service Training Internet stores and check out processing/electronic check processing 5 NFRI, INC. (PROGRAMS)

6. Virtually all businesses accept credit cards in person, by phone, or via the internet. Competitive rates, free second opinion, and local customer service. 6 PRESENTATION TO BANK CUSTOMERS

7. The main reason existing merchants refer their associates, friends, relatives, and use our services for their expanding enterprises can be summed up in one word – SERVICE 7 THE NFRI, INC. ADVANTAGE

8. We may not always be the absolute lowest priced service. We are always competitive and always honest. As competitive as our industry has become, other companies can be less than forthright and do not offer the same high level of customer service. 8 THE NFRI, INC. ADVANTAGE

9. We will accommodate any credit card processing system. Merchant request for our services can be sent by: FAX - (877) 809-0990 E-MAIL - al@nfriinc.com IN PERSON - (949) 230-3880 9 NFRI, INC.