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FREE Bank Application. FREE Reprogramming.1 Wholesale Pricing on Credit Card Terminals. FREE Rate Review2 Credit Card Processing Integrates with QuickBooks Software. FREE Terminal or Mobile Phone and FREE QuickBooks Software. A $549.99 Value From the makers of QuickBooks, Quicken, and TurboTax. Competitive Rates No matter which service you choose, Innovative will have you up-and-running quickly — without making a big dent in your margins. Fees Industry Averages3 Innovative Merchant Solutions Application Fee $75-$100 Non-refundable FREE! One-Time Setup Fee $60 39.95 QuickBooks Cost (for PC service) $99.95-$299.95 FREE! Card Processing Software (for PC or eCommerce) $195 - $299 FREE! Customer Service/Statement Fee $10-$20 per month $9.95 per month Internet Processing Gateway Fee $25-$59 per month $12.95 per month Terminal Cost (for terminal service) $195-$1,000 See our great deals! Discount rate for Visa and MasterCard Card-swiped: 1.95% Key-entered: 2.95% Card-swiped: 1.76%4 Key-entered: 2.44% Per-authorization fee for credit cards $0.23-$0.50 $0.23 Per-authorization fee for debit cards $0.23 plus network fees4 $0.21 plus network fees4 Time to funding5 2-5 business days 2-3 business days

¹ Not all existing terminals can be reprogrammed. A new purchase may be necessary. Terminals are available separately to lease or buy. Please call (866) 350-3200 for details.

² Three months of transaction statements required. We will review your rates from your current provider and try our best to meet or beat your current rates. Call (866) 350-3200 for details.

³ 2004 Federal Reserve Payment Study

⁴ August 2004 User Study

Application approval is required. Fees apply. Terms, conditions, features, pricing, support and service options are subject to change without notice. Innovative Merchant Solutions is a registered agent of Innovative Bank, Oakland, California

Transactions are subject to Association guidelines. Additional fees apply when accepting American Express, and Discover cards.

Free Terminal or mobile phone has additional fees call or click apply and a professional consultant will call you back.