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Career Opportunity
Job Description

     Clearent, one of the fastest-growing processors in the
     country is currently building a direct sales force across the
     country. We’re actively interviewing experienced Regional
     Managers and Sales Representatives. We want people with 3-
     5 years direct industry experience with the highest level of
     integrity. Both are W2 positions and include:


     • Unlimited Earning Potential: No caps, flexible compensation
       options on a per deal basis.
     • Signing Bonuses up to $5000 per deal: Bonuses are paid
       weekly allowing you to build your income quickly.
     • Lifetime Vested Residuals: You are paid as long as the
       merchant continues to generate revenue for Clearent.
     • Benefits: Includes Health, Dental and 401K




                                                                     1
Our Vision

 To be the payment
 processor our customers
 consistently recommend to
 their colleagues.
It’s difficult to find an honest,
reliable partner

                        Incompetent customer service
  Hidden fees
                                   Bait and switch programs
Confusing monthly statements
                        Unethical business practices
    Lack of reporting
Clearent
• No hidden fees – true interchange pass
  through and the clearest monthly statement
• Get your money faster – next day funding
  with a 9:00 p.m. EST cutoff
• Easily reconcile your account – interactive
  online reporting updated daily
• Save time and money – free, simplified PCI
  assessments
• Personal service – local service and
  responsive, 24/7/365 customer support
History of Clearent
  Annual growth > 100%                                                                      Launched Annual
                                                  Received InfoWorld                        Activity Summary
                                                    Top 100 Award
                                                                               Launched Express
                                                                               Merchant Funding
                                                  Certified Processor
                                                     for Discover
                                                                               $1.5 billion volume
          Compass system          Certified Processor for
           development            Visa and MasterCard
                                                                               12,000 merchants

                                                                   Redesigned
 Founded in            Signed our first                             Statement
St. Louis, MO            customers




   2005         2006       2007           2008              2009        2010         2011            2012
The “Right” Size
      Big Company              Small Company
       Capabilities              Benefits

      Proprietary Technology   Responsive Support


         True Processor         Personal Touch

        Full Product Suite      Flexible & Agile

        24/7/365 Support        Local Presence
Unique Advantages
Processor Advantage

Networks




Processors




             National Banks & “Super” ISOs


Resellers    ISOs


               Sub ISOs


                          Agents             Community Banks



Merchants
True Pass-Through Pricing
 NO hidden fees
 NO high-cost equipment leases
 NO bait and switch rates
 NO surcharges
 NO misleading monthly statements
 NO telemarketers
 NO misrepresentation, period
Express Merchant Funding



Customer patronizes your   Customer makes a         Merchant settles batch by   Funds are deposited into
business                   purchase with Visa,      9:00 p.m. EST               merchant’s account the
                           MasterCard or Discover                               next morning




    • Receive weekday deposits the next morning
    • Receive weekend money on Monday morning
    • 9:00 p.m. cut-off – hours later than competitors
    • No bank account restrictions
Online Merchant Portal


Fast, easy access to
historical statements


   Transaction search
     to quickly answer
             questions


   Easily update your
  account information
Daily Reporting
             Export transaction-level detail to Excel




          Transactions are posted every day to
          easily reconcile to your bank account
          and financial software
Graphical Insights


    Card mix can
impact your costs




                    Get insight into your expenses with a
                    month-to-month comparison
Clear Monthly Statements
Simplified Compliance
                                  Access PCI questionnaires from
                                  Compass – no extra login

                                  No PCI fees for merchants who
                                  complete their questionnaire!




Activity Summary report makes
               tax time easier

     We handle IRS and card
  association reporting for you
Dedicated Support
 • Friendly, responsive customer service
 • Decades of merchant services experience
 • In-house support 7am – 6pm Central,
   Monday – Friday
 • 24/7/365 terminal help desk
 • Online merchant portal
   available 24/7/365
Durbin Savings on Debit
 • Save up to 60% on debit interchange costs!
 • Interchange on debit cards has been regulated
   since 10/1/2011
                                         Durbin Savings
 • Maximum rate of 0.05% + $0.22 for Determined By:
                                         •  Mix of regulated
   debit cards issued by large banks        vs. exempt cards
 • Applies to PIN debit, signature debit •  Average ticket
   and certain prepaid cards
 • With Interchange Plus pricing from Clearent,
   you receive 100% of these savings!
Full Suite of Products &
Services
Wide Array of Terminals


                                                           Nurit 2085
         VeriFone Vx510, Vx510LE   Hypercom T7Plus, T7P




             VeriFone Vx570                                Nurit 8400
                                   Hypercom T4205, T4210




             VeriFone Vx670

                                   Hypercom T4220, T4230   Nurit 8020
Virtual Terminals/Gateways


       Authorize.Net


                       ePN Online Terminal    TSYS WebPASS




        ePN JPOS       VeriFone PCCharge     TSYS CounterPASS
Leading POS Software



                Aloha                            MICROS




    POSitouch           Microsoft Dynamics RMS            Digital Dining
Mobile Payment Solutions




                              ePN
    VeriFone                 Mobile
 PAYware Mobile




                                           TSYS
                   MagTek             Mobile Payment
                  QwickPAY
Value Added Services




  Gift Cards &
Loyalty Programs   Electronic Check Services
     by Valutec           by Global eTelecom
Why Clearent?
 • Best of Both Worlds: We’re a processor, yet we’re not so
   big that you feel like a number. You’re treated like family.
   No bureaucracy.
 • Exceptional Reporting: Ability to see portfolio detail down
   to individual transaction including activity, profitability, etc.
 • Next Day Funding: One of the latest cut-off times in the
   industry: 9PM Eastern.
 • Transparency: No games, no hidden fees, period.
 • Strong Support: 24/7 help desk, accounts approved
   within two hours.




                                                                       2

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Clearent

  • 2. Job Description Clearent, one of the fastest-growing processors in the country is currently building a direct sales force across the country. We’re actively interviewing experienced Regional Managers and Sales Representatives. We want people with 3- 5 years direct industry experience with the highest level of integrity. Both are W2 positions and include: • Unlimited Earning Potential: No caps, flexible compensation options on a per deal basis. • Signing Bonuses up to $5000 per deal: Bonuses are paid weekly allowing you to build your income quickly. • Lifetime Vested Residuals: You are paid as long as the merchant continues to generate revenue for Clearent. • Benefits: Includes Health, Dental and 401K 1
  • 3. Our Vision To be the payment processor our customers consistently recommend to their colleagues.
  • 4. It’s difficult to find an honest, reliable partner Incompetent customer service Hidden fees Bait and switch programs Confusing monthly statements Unethical business practices Lack of reporting
  • 5. Clearent • No hidden fees – true interchange pass through and the clearest monthly statement • Get your money faster – next day funding with a 9:00 p.m. EST cutoff • Easily reconcile your account – interactive online reporting updated daily • Save time and money – free, simplified PCI assessments • Personal service – local service and responsive, 24/7/365 customer support
  • 6. History of Clearent Annual growth > 100% Launched Annual Received InfoWorld Activity Summary Top 100 Award Launched Express Merchant Funding Certified Processor for Discover $1.5 billion volume Compass system Certified Processor for development Visa and MasterCard 12,000 merchants Redesigned Founded in Signed our first Statement St. Louis, MO customers 2005 2006 2007 2008 2009 2010 2011 2012
  • 7. The “Right” Size Big Company Small Company Capabilities Benefits Proprietary Technology Responsive Support True Processor Personal Touch Full Product Suite Flexible & Agile 24/7/365 Support Local Presence
  • 9. Processor Advantage Networks Processors National Banks & “Super” ISOs Resellers ISOs Sub ISOs Agents Community Banks Merchants
  • 10. True Pass-Through Pricing NO hidden fees NO high-cost equipment leases NO bait and switch rates NO surcharges NO misleading monthly statements NO telemarketers NO misrepresentation, period
  • 11. Express Merchant Funding Customer patronizes your Customer makes a Merchant settles batch by Funds are deposited into business purchase with Visa, 9:00 p.m. EST merchant’s account the MasterCard or Discover next morning • Receive weekday deposits the next morning • Receive weekend money on Monday morning • 9:00 p.m. cut-off – hours later than competitors • No bank account restrictions
  • 12. Online Merchant Portal Fast, easy access to historical statements Transaction search to quickly answer questions Easily update your account information
  • 13. Daily Reporting Export transaction-level detail to Excel Transactions are posted every day to easily reconcile to your bank account and financial software
  • 14. Graphical Insights Card mix can impact your costs Get insight into your expenses with a month-to-month comparison
  • 16. Simplified Compliance Access PCI questionnaires from Compass – no extra login No PCI fees for merchants who complete their questionnaire! Activity Summary report makes tax time easier We handle IRS and card association reporting for you
  • 17. Dedicated Support • Friendly, responsive customer service • Decades of merchant services experience • In-house support 7am – 6pm Central, Monday – Friday • 24/7/365 terminal help desk • Online merchant portal available 24/7/365
  • 18. Durbin Savings on Debit • Save up to 60% on debit interchange costs! • Interchange on debit cards has been regulated since 10/1/2011 Durbin Savings • Maximum rate of 0.05% + $0.22 for Determined By: •  Mix of regulated debit cards issued by large banks vs. exempt cards • Applies to PIN debit, signature debit •  Average ticket and certain prepaid cards • With Interchange Plus pricing from Clearent, you receive 100% of these savings!
  • 19. Full Suite of Products & Services
  • 20. Wide Array of Terminals Nurit 2085 VeriFone Vx510, Vx510LE Hypercom T7Plus, T7P VeriFone Vx570 Nurit 8400 Hypercom T4205, T4210 VeriFone Vx670 Hypercom T4220, T4230 Nurit 8020
  • 21. Virtual Terminals/Gateways Authorize.Net ePN Online Terminal TSYS WebPASS ePN JPOS VeriFone PCCharge TSYS CounterPASS
  • 22. Leading POS Software Aloha MICROS POSitouch Microsoft Dynamics RMS Digital Dining
  • 23. Mobile Payment Solutions ePN VeriFone Mobile PAYware Mobile TSYS MagTek Mobile Payment QwickPAY
  • 24. Value Added Services Gift Cards & Loyalty Programs Electronic Check Services by Valutec by Global eTelecom
  • 25. Why Clearent? • Best of Both Worlds: We’re a processor, yet we’re not so big that you feel like a number. You’re treated like family. No bureaucracy. • Exceptional Reporting: Ability to see portfolio detail down to individual transaction including activity, profitability, etc. • Next Day Funding: One of the latest cut-off times in the industry: 9PM Eastern. • Transparency: No games, no hidden fees, period. • Strong Support: 24/7 help desk, accounts approved within two hours. 2