Heartland Payment Systems Presentation

Heartland Payment Systems

Troy Gittins Relationship ManagerPhone: 619-980-0679

Corporate Profile

Publicly traded, NYSE: HPY

FORTUNE 1000 company

Fifth largest processor in the US

Processes more than11 milliontransactions a day

Serves more than 250,000businesses nationwide

More than 3,300 employees

Ten offices throughout the US and Canada

Full Service Payments Processor

Credit/debit/prepaidcard processing

E3™ technology Payroll services Gift marketing and

loyalty programs Check management Online payments Give Something Back Network OneCard MicroPayments Lending services Major markets served:

Restaurant Retail Lodging Petroleum Healthcare Community Banks

Heartland Sales and Servicing

1,300+ locally based sales and service personnel

No independent contractors

Toll-free customer service

State-based teams familiar withlocal requirements

Spanish and other languagetechnicians available

The Merchant Bill of Rights

Public advocacy initiativelaunched in 2006

Promotes fair credit, debitand prepaid card processingpractices

Calls for the clear and straightforwardpresentation of card processing costs

Endorsed by over 425 state trade organizations, merchants and business partners

MerchantBillofRights.org

Tailored Products and Services

Card Processing

Fair pricing and full disclosure of fees

Clear statements

Direct processing for all major card brands

Fully integrated terminals and software

ePIN•IT! receipt-based prepaid services Wireless phone and long distance minutes

No expense until products are sold

Online Merchant Center Online statement access

Deposit confirmation and tracking

Data export and graphical trend analyses

Major Retail Clients

NFL Football Clients

Major League Baseball, Basketball, Hockey Clients

E3TM End-to-End Encryption Technology

Provides the highest degree of credit and debit card data security available

No extra or recurring charges

Easy and cost-effective to implement

Reduced cost of PCI compliance andrisk of non-compliance

Guaranteed protection and reimbursement

Named “#1 Technology Innovation of the Year”by Bank Technology News

Comprehensive payroll capabilities

Payroll automation

Web-hosted access

Employee access to view pay stubs

Robust reporting

No fees for employee deletionsor additions

Remote check and report printing

Automated general ledger interfaces

Dedicated, skilled account representatives

Payroll Services

Major Payroll Clients

Leverage traditional gift cards

Increase word-of-mouth marketing

Develop loyalty programs andreal-time promotions

Increased return on investment

Integration assistance

Dedicated gift marketing support

Training guides, e-newsletters,point-of-purchase materials

Heartland Gift Marketing

Quickly scan and deposit checks

Initiate check recovery activities

Recover bad check funds efficiently

Process ACH transactions at thepoint of sale or on the web

Verify bad checks before theyenter your system

Ensure customers’ checks are honored — even if they’re returned

Check Management

Major Check Management Integration Partners

Enable customers to order online

Process payments from any PC

Fast, simple implementation

Fast authorizations, no gateway fees

Online Payments

Makes charitable giving easy

Prepaid card that works like cash

Merchants – Lower interchange rate

Cardholders – Percentage of purchaseprice returned

Sponsoring organizations – Generates more donations

Purchases through card or cell phone tag

Give Something Back Network OneCard

Manage small-ticket paymentscycle from start to finish

Perfect cashless paymentsapplication for: Vending

Laundry

Hospitality

Education

Parking

Corporate campuses

MicroPayments

Obtain funding to expand yourbusiness

Fairly priced

Heartland teams with EncoreCapital – A private lendingcompany

Value-added service – Heartlandreceives no compensation

Lending Services

Solutions for Specific Markets

Tailored Payment Solutions

Restaurants/ Food Service Lodging

Healthcare Pharmacy

Petroleum & Convenience Stores Retail

Campus and Academic Institutions Veterinary

Neighborhood Markets Parking

Nonprofit Organizations Professional Services

Property Management Utility

Laundry Vending

Restaurant Solutions

Heartland 360˚ Point-of-SaleSystem Enhance operational efficiency

Full range of standard modulesincluded at no extra cost

Control costs with a fixed weeklysubscription model

Data Central Leading data management solution

Analyze food costs, track inventory, understand employee productivity

Major Restaurant Clients

Lodging Solutions

Room Key Payments Solutions Increased revenue by making spending easier

for guests

Vending machine purchases

Arcade games

Laundry or parking services

Easy, quick installation

Integration with hotel property management systems

Up-to-the-minute reporting to simplify inventorytracking of onsite vending services

Simplified reconciliation of accounts

Major Lodging Clients

Healthcare Solutions

ConfirmPay Healthcare eligibility verification

Real-time, web-based solution

Estimate of patient’s self-payresponsibility

Feature-rich payments processingfunctionality

One easy-to-use portal

Petroleum Solutions

End-to-end payment processing platform tailored to the petroleum and convenience industry

Integrated point-of-sale (POS) and network solutions

SmartLink technology Consolidates data communications

Delivers payment transactions andback-office data over one,high-speed, secure broadbandconnection

Petroleum, C-Store, Parking & Auto Service Clients

Campus Solutions

Multi-functional campus OneCard ID card Works like cash on and off campus

Card used for:

Access and security

Housing and dining

Vending and laundry

Activities and events

Tuition and housing

Financial aid disbursement and work study payment

Acceluraid Electronic financial aid disbursement

Integrates with OneCard or stands alone

Enhances operational efficiencies

Major Campus Clients

Laundry Solutions

Load It Laundry Application Reloadable cashless payment card

Easy-to-install laundry readers

Integrated reporting

Minimizes theft, vandalismand coin jams

Wave Rider Laundry System Accepts credit and debit cards

Alerts when machines are out of service

Customers can check availability of machines online

Business Partners and Association Partnerships

Business Partners

Trade Associations and Member-BasedOrganizations Endorsed by 200+ nationwide

associations

Banks and Financial Institutions Full-featured bank alliance program

POS Developers, Resellers and Dealers Adds value and expands marketing reach

Referral Service Providers Provides cash incentive for business referrals

Exclusively Endorsed by 200+ Associations

National Restaurant Association – Strategic Partnership

First unified payments processing platform for the restaurant industry

Empowers restaurateurs to: Reduce expenses, enhance operations

and increase profitability

Full Course Business SolutionsSM: Card processing Gift marketing Payroll services Tip management services Check management

Includes the Council of State Restaurant Associations and 40+ state restaurant associations

Exclusively Endorsed by the National Restaurant Association, Council of State Restaurant Associations & 40+ State Restaurant Associations

Endorsed by the American Hotel and Lodging Association and 39 State Lodging Associations

Heartland Awards & Recognition

Questions?

Thank You!