Newtek to provides your business with a complete menu of payment acceptance options, including:

• Credit and Debit Card Acceptance Accept Mastercard ®, Visa ®, Discover Card ®, American Express ®, Diner's Club ®, JCB, PIN-based debit cards

and signature-based debit cards.

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• Electronic Check Services Accept paper checks with convenience and confidence using check verification, check verification with

guaranteed payment, electronic check recovery and recurring debit. ACH Processing Allow your customers to make payments directly from their checking or savings accounts. E-commerce Services Conduct business online with a shopping cart and a secure Internet payment gateway.

• Gift and Loyalty Card Programs Create a compelling reason for your customers to come back to your business. Accepting electronic payments can increase your sales, cash flow, and customer satisfaction. Allow your

customers the freedom and flexibility to pay how they wish.

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Already have a merchant account?

Let Newtek perform a free, no obligation, analysis of your current merchant processing environment in order

to reduce your costs and insure the most efficient program possible.

Processing with Newtek gets you: State-of-the-art equipment which allows for greater operational efficiency and additional cost savings The ability to guarantee checks cost-effectively The ability to accept pin-based debit cards which eliminates the discount rate for transactions Full training of staff at each location on how to keep processing fees at a minimum As you may be aware, both Mastercard ® and Visa ® have recently raised many of their processing rates and

fees. With this program, Newtek has found a way to help you keep your payment processing rates down.

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