Text2Pay Program Testing



Enter the following from each statement

Group Name :

Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $
Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $

Enter the following notes from one of their statements:

Current Provider:
Current Basis Points: For Visa/MC/Disc
For Amex
Current Per Transaction: For Visa/MC/Disc
For Amex
For PIN Debit
Any Monthly Fees:
Statement Fee
PCI Non-Compliance Fee
PCI Fee
Misc monthly fee
Any additional fees not related to Interchange that stand out?
(describe)
regulatory product
comm card i/c savings

Text2Pay Program - 1

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $266 $3,192 5% $3,351 5% $3,518 $10,061
Monthly Average # of Transactions 103 1,236 2% 1,260 2% 1,285 3,781
Average Transaction Amount $2 $2 $2 $2 $2
Current Average Monthly Expense $566
Dealer Current Average Net Effective Rate 515.15% 515.15% 515.15% 515.15% 515.15%
Current Expense to Accept Credit Cards $16,443 $17,262 $18,122 $51,829
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $3,192 $3,351 $3,518 $10,061
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $1,596 $1,675 $1,759 $5,030
Amount Collected from your customers 3% $47 $50 $52 $149
Pass through to Dealer Merchant Services -3% $47 $50 $52 $149
Debit Card Transactions Volume $1,596 $1,675 $1,759 $5,030
Debit Expense Paid by Dealer 1% $15 $16 $17 $50
# of Terminals Needed (1st Year Only) 10 $3,990 $3,990
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Text2Pay Program Fee $125 per location 1 $1,500 $1,500 $1,500 $4,500
Proposed Expense to Accept Credit Cards $6,693 $2,704 $2,705 $12,102
Estimated Net Dealer Savings $9,750 $14,558 $15,417 $39,725
% of Savings 59.30% 84.34% 85.07% 76.65%
Savings per MONTH $812 $1,213 $1,284 $1,135
Estimated Savings per DAY $26 $39 $42 $36

Text2Pay Program Store 2

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $1,848 $22,176 5% $23,284 5% $24,448 $69,908
Monthly Average # of Transactions 57 684 2% 697 2% 710 2,091
Average Transaction Amount $32 $32 $33 $34 $33
Current Average Monthly Expense $2,781
Dealer Current Average Net Effective Rate 252.82% 252.82% 252.82% 252.82% 252.82%
Current Expense to Accept Credit Cards $56,065 $58,866 $61,809 $176,741
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $22,176 $23,284 $24,448 $69,908
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $11,088 $11,642 $12,224 $34,954
Amount Collected from your customers 3% $332 $349 $366 $1,047
Pass through to Dealer Merchant Services -3% $332 $349 $366 $1,047
Debit Card Transactions Volume $11,088 $11,642 $12,224 $34,954
Debit Expense Paid by Dealer 1% $110 $116 $122 $349
# of Terminals Needed (1st Year Only) 23 $9,177 $9,177
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Text2Pay Program Fee $125 per location 1 $1,500 $1,500 $1,500 $4,500
Proposed Expense to Accept Credit Cards $11,975 $2,804 $2,810 $17,589
Estimated Net Dealer Savings $44,090 $56,062 $58,999 $159,151
% of Savings 78.64% 95.24% 95.45% 90.05%
Savings per MONTH $3,674 $4,671 $4,916 $4,547
Estimated Savings per DAY $120 $153 $161 $145

Text2Pay Program Testing

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $2,114 $25,368 5% $26,636 5% $27,967 $79,971
Monthly Average # of Transactions 34 408 2% 416 2% 424 1,248
Average Transaction Amount $62 $62 $64 $65 $64
Current Average Monthly Expense $3,347
Dealer Current Average Net Effective Rate 276.61% 276.61% 276.61% 276.61% 276.61%
Current Expense to Accept Credit Cards $70,170 $73,677 $77,359 $221,207
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $25,368 $26,636 $27,967 $79,971
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $12,684 $13,318 $13,983 $39,985
Amount Collected from your customers 3% $380 $399 $419 $1,198
Pass through to Dealer Merchant Services -3% $380 $399 $419 $1,198
Debit Card Transactions Volume $12,684 $13,318 $13,983 $39,985
Debit Expense Paid by Dealer 1% $126 $133 $139 $399
# of Terminals Needed (1st Year Only) 33 $13,167 $13,167
Monthly Program Fee $99 per Location 2 $2,376 $2,376 $2,376 $7,128
Text2Pay Program Fee $125 per location 2 $3,000 $3,000 $3,000 $9,000
Proposed Expense to Accept Credit Cards $18,669 $5,509 $5,515 $29,693
Estimated Net Dealer Savings $51,501 $68,168 $71,844 $191,513
% of Savings 73.39% 92.52% 92.87% 86.58%
Savings per MONTH $4,291 $5,680 $5,987 $5,471
Estimated Savings per DAY $141 $186 $196 $174

Group Test



Enter the following from each statement

Group Name :

Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $
Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $

Enter the following notes from one of their statements:

Current Provider:
Current Basis Points: For Visa/MC/Disc
For Amex
Current Per Transaction: For Visa/MC/Disc
For Amex
For PIN Debit
Any Monthly Fees:
Statement Fee
PCI Non-Compliance Fee
PCI Fee
Misc monthly fee
Any additional fees not related to Interchange that stand out?
(describe)
regulatory product
comm card i/c savings

Test Store 1

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $275,000 $3,300,000 5% $3,465,000 5% $3,638,250 $10,403,250
Monthly Average # of Transactions 1,301 12 2% 12 2% 12 36
Average Transaction Amount $211 $275,000 $288,750 $303,187 $288,979
Current Average Monthly Expense $2,750
Dealer Current Average Net Effective Rate 1.00% 1.00% 1.00% 1.00% 1.00%
Current Expense to Accept Credit Cards $33,000 $34,650 $36,382 $104,032
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $3,300,000 $3,465,000 $3,638,250 $10,403,250
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $1,650,000 $1,732,500 $1,819,125 $5,201,625
Amount Collected from your customers 3% $49,500 $51,975 $54,573 $156,048
Pass through to Dealer Merchant Services -3% $49,500 $51,975 $54,573 $156,048
Debit Card Transactions Volume $1,650,000 $1,732,500 $1,819,125 $5,201,625
Debit Expense Paid by Dealer 1% $16,500 $17,325 $18,191 $52,016
# of Terminals Needed (1st Year Only) 3 $1,197 $1,197
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $18,885 $18,513 $19,379 $56,777
Estimated Net Dealer Savings $14,115 $16,137 $17,003 $47,255
% of Savings 42.77% 46.57% 46.73% 45.42%
Savings per MONTH $1,176 $1,344 $1,416 $1,350
Estimated Savings per DAY $38 $44 $46 $43

Test Store 2

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $178,333 $2,139,996 5% $2,246,995 5% $2,359,344 $6,746,335
Monthly Average # of Transactions 218 2,616 2% 2,668 2% 2,721 8,005
Average Transaction Amount $818 $818 $842 $867 $842
Current Average Monthly Expense $2,333
Dealer Current Average Net Effective Rate 1.37% 1.37% 1.37% 1.37% 1.37%
Current Expense to Accept Credit Cards $29,317 $30,783 $32,323 $92,424
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $2,139,996 $2,246,995 $2,359,344 $6,746,335
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $1,069,998 $1,123,497 $1,179,672 $3,373,167
Amount Collected from your customers 3% $32,099 $33,704 $35,390 $101,193
Pass through to Dealer Merchant Services -3% $32,099 $33,704 $35,390 $101,193
Debit Card Transactions Volume $1,069,998 $1,123,497 $1,179,672 $3,373,167
Debit Expense Paid by Dealer 1% $10,699 $11,234 $11,796 $33,731
# of Terminals Needed (1st Year Only) 4 $1,596 $1,596
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $13,483 $12,422 $12,984 $38,889
Estimated Net Dealer Savings $15,834 $18,361 $19,339 $53,534
% of Savings 54.01% 59.65% 59.83% 57.92%
Savings per MONTH $1,319 $1,530 $1,611 $1,529
Estimated Savings per DAY $43 $50 $52 $48

Group Test

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $453,333 $5,439,996 5% $5,711,995 5% $5,997,594 $17,149,585
Monthly Average # of Transactions 1,027 12 2% 12 2% 12 36
Average Transaction Amount $441 $453,333 $475,999 $499,799 $476,377
Current Average Monthly Expense $5,083
Dealer Current Average Net Effective Rate 1.14% 1.14% 1.14% 1.14% 1.14%
Current Expense to Accept Credit Cards $62,015 $65,116 $68,372 $195,505
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $5,439,996 $5,711,995 $5,997,594 $17,149,585
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $2,719,998 $2,855,997 $2,998,797 $8,574,792
Amount Collected from your customers 3% $81,599 $85,679 $89,963 $257,241
Pass through to Dealer Merchant Services -3% $81,599 $85,679 $89,963 $257,241
Debit Card Transactions Volume $2,719,998 $2,855,997 $2,998,797 $8,574,792
Debit Expense Paid by Dealer 1% $27,199 $28,559 $29,987 $85,747
# of Terminals Needed (1st Year Only) 7 $2,793 $2,793
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $31,180 $29,747 $31,175 $92,102
Estimated Net Dealer Savings $30,835 $35,369 $37,197 $103,401
% of Savings 49.72% 54.32% 54.40% 52.89%
Savings per MONTH $2,569 $2,947 $3,099 $2,954
Estimated Savings per DAY $84 $96 $101 $94

Demo Excel



Enter the following from each statement

Group Name :

Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $
Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $

Enter the following notes from one of their statements:

Current Provider:
Current Basis Points: For Visa/MC/Disc
For Amex
Current Per Transaction: For Visa/MC/Disc
For Amex
For PIN Debit
Any Monthly Fees:
Statement Fee
PCI Non-Compliance Fee
PCI Fee
Misc monthly fee
Any additional fees not related to Interchange that stand out?
(describe)
regulatory product
comm card i/c savings

Excel Demo Store 1

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $266 $3,192 5% $3,351 5% $3,518 $10,061
Monthly Average # of Transactions 133 1,596 2% 1,627 2% 1,659 4,882
Average Transaction Amount $2 $2 $2 $2 $2
Current Average Monthly Expense $566
Dealer Current Average Net Effective Rate 515.15% 515.15% 515.15% 515.15% 515.15%
Current Expense to Accept Credit Cards $16,443 $17,262 $18,122 $51,829
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $3,192 $3,351 $3,518 $10,061
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $1,596 $1,675 $1,759 $5,030
Amount Collected from your customers 3% $47 $50 $52 $149
Pass through to Dealer Merchant Services -3% $47 $50 $52 $149
Debit Card Transactions Volume $1,596 $1,675 $1,759 $5,030
Debit Expense Paid by Dealer 1% $15 $16 $17 $50
# of Terminals Needed (1st Year Only) 10 $3,990 $3,990
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $5,193 $1,204 $1,205 $7,602
Estimated Net Dealer Savings $11,250 $16,058 $16,917 $44,225
% of Savings 68.42% 93.03% 93.35% 85.33%
Savings per MONTH $937 $1,338 $1,409 $1,263
Estimated Savings per DAY $30 $43 $46 $40

Excel Demo Store 2

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $1,848 $22,176 5% $23,284 5% $24,448 $69,908
Monthly Average # of Transactions 57 684 2% 697 2% 710 2,091
Average Transaction Amount $32 $32 $33 $34 $33
Current Average Monthly Expense $2,781
Dealer Current Average Net Effective Rate 252.82% 252.82% 252.82% 252.82% 252.82%
Current Expense to Accept Credit Cards $56,065 $58,866 $61,809 $176,741
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $22,176 $23,284 $24,448 $69,908
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $11,088 $11,642 $12,224 $34,954
Amount Collected from your customers 3% $332 $349 $366 $1,047
Pass through to Dealer Merchant Services -3% $332 $349 $366 $1,047
Debit Card Transactions Volume $11,088 $11,642 $12,224 $34,954
Debit Expense Paid by Dealer 1% $110 $116 $122 $349
# of Terminals Needed (1st Year Only) 23 $9,177 $9,177
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $10,475 $1,304 $1,310 $13,089
Estimated Net Dealer Savings $45,590 $57,562 $60,499 $163,651
% of Savings 81.32% 97.78% 97.88% 92.59%
Savings per MONTH $3,799 $4,796 $5,041 $4,675
Estimated Savings per DAY $124 $157 $165 $149

Demo Excel

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $2,114 $25,368 5% $26,636 5% $27,967 $79,971
Monthly Average # of Transactions 34 408 2% 416 2% 424 1,248
Average Transaction Amount $62 $62 $64 $65 $64
Current Average Monthly Expense $3,347
Dealer Current Average Net Effective Rate 276.61% 276.61% 276.61% 276.61% 276.61%
Current Expense to Accept Credit Cards $70,170 $73,677 $77,359 $221,207
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $25,368 $26,636 $27,967 $79,971
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $12,684 $13,318 $13,983 $39,985
Amount Collected from your customers 3% $380 $399 $419 $1,198
Pass through to Dealer Merchant Services -3% $380 $399 $419 $1,198
Debit Card Transactions Volume $12,684 $13,318 $13,983 $39,985
Debit Expense Paid by Dealer 1% $126 $133 $139 $399
# of Terminals Needed (1st Year Only) 33 $13,167 $13,167
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $14,481 $1,321 $1,327 $17,129
Estimated Net Dealer Savings $55,689 $72,356 $76,032 $204,077
% of Savings 79.36% 98.21% 98.28% 92.26%
Savings per MONTH $4,640 $6,029 $6,336 $5,830
Estimated Savings per DAY $152 $198 $208 $186

Patterson Auto Group



Enter the following from each statement

Group Name :

Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $
Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $
Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $
Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $
Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $
Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $
Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $
Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $
Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $
Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $
Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $

Enter the following notes from one of their statements:

Current Provider:
Current Basis Points: For Visa/MC/Disc
For Amex
Current Per Transaction: For Visa/MC/Disc
For Amex
For PIN Debit
Any Monthly Fees:
Statement Fee
PCI Non-Compliance Fee
PCI Fee
Misc monthly fee
Any additional fees not related to Interchange that stand out?
(describe)
regulatory product
comm card i/c savings

Clark Nissan

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $121,517 $1,458,204 5% $1,531,114 5% $1,607,669 $4,596,987
Monthly Average # of Transactions 397 4,764 2% 4,859 2% 4,956 14,579
Average Transaction Amount $306 $306 $315 $324 $315
Current Average Monthly Expense $3,070
Dealer Current Average Net Effective Rate 2.54% 2.54% 2.54% 2.54% 2.54%
Current Expense to Accept Credit Cards $37,038 $38,890 $40,834 $116,763
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $1,458,204 $1,531,114 $1,607,669 $4,596,987
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $729,102 $765,557 $803,834 $2,298,493
Amount Collected from your customers 3% $21,873 $22,966 $24,115 $68,954
Pass through to Dealer Merchant Services -3% $21,873 $22,966 $24,115 $68,954
Debit Card Transactions Volume $729,102 $765,557 $803,834 $2,298,493
Debit Expense Paid by Dealer 1% $7,291 $7,655 $8,038 $22,984
# of Terminals Needed (1st Year Only) 2 $798 $798
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $9,277 $8,843 $9,226 $27,346
Estimated Net Dealer Savings $27,761 $30,047 $31,608 $89,416
% of Savings 74.95% 77.26% 77.41% 76.58%
Savings per MONTH $2,313 $2,503 $2,634 $2,554
Estimated Savings per DAY $76 $82 $86 $81

CDJR Hyundai

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $669,558 $8,034,696 5% $8,436,430 5% $8,858,251 $25,329,377
Monthly Average # of Transactions 1,521 12 2% 12 2% 12 36
Average Transaction Amount $440 $669,558 $703,035 $738,187 $703,593
Current Average Monthly Expense $16,644
Dealer Current Average Net Effective Rate 2.53% 2.53% 2.53% 2.53% 2.53%
Current Expense to Accept Credit Cards $203,277 $213,441 $224,113 $640,833
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $8,034,696 $8,436,430 $8,858,251 $25,329,377
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $4,017,348 $4,218,215 $4,429,125 $12,664,688
Amount Collected from your customers 3% $120,520 $126,546 $132,873 $379,939
Pass through to Dealer Merchant Services -3% $120,520 $126,546 $132,873 $379,939
Debit Card Transactions Volume $4,017,348 $4,218,215 $4,429,125 $12,664,688
Debit Expense Paid by Dealer 1% $40,173 $42,182 $44,291 $126,646
# of Terminals Needed (1st Year Only) 3 $1,197 $1,197
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $42,558 $43,370 $45,479 $131,407
Estimated Net Dealer Savings $160,719 $170,071 $178,634 $509,424
% of Savings 79.06% 79.68% 79.71% 79.49%
Savings per MONTH $13,393 $14,172 $14,886 $14,554
Estimated Savings per DAY $440 $465 $489 $465

Nissan Wichita Falls

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $162,386 $1,948,632 5% $2,046,063 5% $2,148,366 $6,143,061
Monthly Average # of Transactions 536 6,432 2% 6,560 2% 6,691 19,683
Average Transaction Amount $302 $302 $311 $321 $312
Current Average Monthly Expense $3,369
Dealer Current Average Net Effective Rate 2.10% 2.10% 2.10% 2.10% 2.10%
Current Expense to Accept Credit Cards $40,921 $42,967 $45,115 $129,004
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $1,948,632 $2,046,063 $2,148,366 $6,143,061
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $974,316 $1,023,031 $1,074,183 $3,071,530
Amount Collected from your customers 3% $29,229 $30,690 $32,225 $92,144
Pass through to Dealer Merchant Services -3% $29,229 $30,690 $32,225 $92,144
Debit Card Transactions Volume $974,316 $1,023,031 $1,074,183 $3,071,530
Debit Expense Paid by Dealer 1% $9,743 $10,230 $10,741 $30,715
# of Terminals Needed (1st Year Only) 2 $798 $798
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $11,729 $11,418 $11,929 $35,076
Estimated Net Dealer Savings $29,192 $31,549 $33,186 $93,927
% of Savings 71.34% 73.43% 73.56% 72.81%
Savings per MONTH $2,432 $2,629 $2,765 $2,683
Estimated Savings per DAY $79 $86 $90 $85

Orr Kia Bossier City

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $226,972 $2,723,664 5% $2,859,847 5% $3,002,839 $8,586,350
Monthly Average # of Transactions 386 4,632 2% 4,724 2% 4,818 14,174
Average Transaction Amount $588 $588 $605 $623 $605
Current Average Monthly Expense $4,031
Dealer Current Average Net Effective Rate 1.78% 1.78% 1.78% 1.78% 1.78%
Current Expense to Accept Credit Cards $48,481 $50,905 $53,450 $152,837
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $2,723,664 $2,859,847 $3,002,839 $8,586,350
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $1,361,832 $1,429,923 $1,501,419 $4,293,175
Amount Collected from your customers 3% $40,854 $42,897 $45,042 $128,793
Pass through to Dealer Merchant Services -3% $40,854 $42,897 $45,042 $128,793
Debit Card Transactions Volume $1,361,832 $1,429,923 $1,501,419 $4,293,175
Debit Expense Paid by Dealer 1% $13,618 $14,299 $15,014 $42,931
# of Terminals Needed (1st Year Only) 2 $798 $798
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $15,604 $15,487 $16,202 $47,293
Estimated Net Dealer Savings $32,877 $35,418 $37,248 $105,543
% of Savings 67.81% 69.58% 69.69% 69.06%
Savings per MONTH $2,739 $2,951 $3,104 $3,015
Estimated Savings per DAY $90 $97 $102 $96

Orr Kia Shreveport

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $191,350 $2,296,200 5% $2,411,010 5% $2,531,560 $7,238,770
Monthly Average # of Transactions 500 6,000 2% 6,120 2% 6,242 18,362
Average Transaction Amount $382 $382 $393 $405 $394
Current Average Monthly Expense $3,232
Dealer Current Average Net Effective Rate 1.71% 1.71% 1.71% 1.71% 1.71%
Current Expense to Accept Credit Cards $39,265 $41,228 $43,289 $123,782
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $2,296,200 $2,411,010 $2,531,560 $7,238,770
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $1,148,100 $1,205,505 $1,265,780 $3,619,385
Amount Collected from your customers 3% $34,443 $36,165 $37,973 $108,581
Pass through to Dealer Merchant Services -3% $34,443 $36,165 $37,973 $108,581
Debit Card Transactions Volume $1,148,100 $1,205,505 $1,265,780 $3,619,385
Debit Expense Paid by Dealer 1% $11,481 $12,055 $12,657 $36,193
# of Terminals Needed (1st Year Only) 2 $798 $798
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $13,467 $13,243 $13,845 $40,555
Estimated Net Dealer Savings $25,798 $27,985 $29,444 $83,227
% of Savings 65.70% 67.88% 68.02% 67.24%
Savings per MONTH $2,149 $2,332 $2,453 $2,377
Estimated Savings per DAY $70 $76 $80 $76

Patterson Marshall

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $169,631 $2,035,572 5% $2,137,350 5% $2,244,217 $6,417,139
Monthly Average # of Transactions 283 3,396 2% 3,463 2% 3,532 10,391
Average Transaction Amount $599 $599 $617 $635 $617
Current Average Monthly Expense $3,144
Dealer Current Average Net Effective Rate 1.92% 1.92% 1.92% 1.92% 1.92%
Current Expense to Accept Credit Cards $39,082 $41,037 $43,088 $123,209
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $2,035,572 $2,137,350 $2,244,217 $6,417,139
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $1,017,786 $1,068,675 $1,122,108 $3,208,569
Amount Collected from your customers 3% $30,533 $32,060 $33,663 $96,256
Pass through to Dealer Merchant Services -3% $30,533 $32,060 $33,663 $96,256
Debit Card Transactions Volume $1,017,786 $1,068,675 $1,122,108 $3,208,569
Debit Expense Paid by Dealer 1% $10,177 $10,686 $11,221 $32,085
# of Terminals Needed (1st Year Only) 2 $798 $798
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $12,163 $11,874 $12,409 $36,446
Estimated Net Dealer Savings $26,919 $29,163 $30,679 $86,761
% of Savings 68.88% 71.07% 71.20% 70.42%
Savings per MONTH $2,243 $2,430 $2,556 $2,478
Estimated Savings per DAY $73 $79 $84 $79

Sparks Nissan

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $344,423 $4,133,076 5% $4,339,729 5% $4,556,715 $13,029,520
Monthly Average # of Transactions 1,047 12 2% 12 2% 12 36
Average Transaction Amount $328 $344,423 $361,644 $379,726 $361,931
Current Average Monthly Expense $6,191
Dealer Current Average Net Effective Rate 1.81% 1.81% 1.81% 1.81% 1.81%
Current Expense to Accept Credit Cards $74,808 $78,549 $82,476 $235,834
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $4,133,076 $4,339,729 $4,556,715 $13,029,520
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $2,066,538 $2,169,864 $2,278,357 $6,514,760
Amount Collected from your customers 3% $61,996 $65,095 $68,350 $195,441
Pass through to Dealer Merchant Services -3% $61,996 $65,095 $68,350 $195,441
Debit Card Transactions Volume $2,066,538 $2,169,864 $2,278,357 $6,514,760
Debit Expense Paid by Dealer 1% $20,665 $21,698 $22,783 $65,147
# of Terminals Needed (1st Year Only) 3 $1,197 $1,197
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $23,050 $22,886 $23,971 $69,907
Estimated Net Dealer Savings $51,758 $55,663 $58,505 $165,926
% of Savings 69.19% 70.86% 70.94% 70.36%
Savings per MONTH $4,313 $4,638 $4,875 $4,740
Estimated Savings per DAY $141 $152 $160 $151

Volkwagon

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $115,901 $1,390,812 5% $1,460,352 5% $1,533,369 $4,384,533
Monthly Average # of Transactions 305 3,660 2% 3,733 2% 3,807 11,200
Average Transaction Amount $380 $380 $391 $402 $391
Current Average Monthly Expense $2,311
Dealer Current Average Net Effective Rate 2.00% 2.00% 2.00% 2.00% 2.00%
Current Expense to Accept Credit Cards $27,816 $29,207 $30,667 $87,690
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $1,390,812 $1,460,352 $1,533,369 $4,384,533
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $695,406 $730,176 $766,684 $2,192,266
Amount Collected from your customers 3% $20,862 $21,905 $23,000 $65,767
Pass through to Dealer Merchant Services -3% $20,862 $21,905 $23,000 $65,767
Debit Card Transactions Volume $695,406 $730,176 $766,684 $2,192,266
Debit Expense Paid by Dealer 1% $6,954 $7,301 $7,666 $21,922
# of Terminals Needed (1st Year Only) 2 $798 $798
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $8,940 $8,489 $8,854 $26,283
Estimated Net Dealer Savings $18,876 $20,718 $21,813 $61,407
% of Savings 67.86% 70.94% 71.13% 70.03%
Savings per MONTH $1,573 $1,726 $1,817 $1,754
Estimated Savings per DAY $51 $56 $59 $56

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $ $NaN 5% $NaN 5% $NaN $NaN
Monthly Average # of Transactions NaN 2% NaN 2% NaN NaN
Average Transaction Amount $NaN $NaN $NaN $NaN $NaN
Current Average Monthly Expense $
Dealer Current Average Net Effective Rate % % % % %
Current Expense to Accept Credit Cards $NaN $NaN $NaN $NaN
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $NaN $NaN $NaN $NaN
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $NaN $NaN $NaN $NaN
Amount Collected from your customers 3% $NaN $NaN $NaN $NaN
Pass through to Dealer Merchant Services -3% $NaN $NaN $NaN $NaN
Debit Card Transactions Volume $NaN $NaN $NaN $NaN
Debit Expense Paid by Dealer 1% $NaN $NaN $NaN $NaN
# of Terminals Needed (1st Year Only) $NaN $NaN
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $NaN $NaN $NaN $NaN
Estimated Net Dealer Savings $NaN $NaN $NaN $NaN
% of Savings NaN% NaN% NaN% NaN%
Savings per MONTH $NaN $NaN $NaN $NaN
Estimated Savings per DAY $NaN $NaN $NaN $NaN

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $ $NaN 5% $NaN 5% $NaN $NaN
Monthly Average # of Transactions NaN 2% NaN 2% NaN NaN
Average Transaction Amount $NaN $NaN $NaN $NaN $NaN
Current Average Monthly Expense $
Dealer Current Average Net Effective Rate % % % % %
Current Expense to Accept Credit Cards $NaN $NaN $NaN $NaN
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $NaN $NaN $NaN $NaN
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $NaN $NaN $NaN $NaN
Amount Collected from your customers 3% $NaN $NaN $NaN $NaN
Pass through to Dealer Merchant Services -3% $NaN $NaN $NaN $NaN
Debit Card Transactions Volume $NaN $NaN $NaN $NaN
Debit Expense Paid by Dealer 1% $NaN $NaN $NaN $NaN
# of Terminals Needed (1st Year Only) $NaN $NaN
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $NaN $NaN $NaN $NaN
Estimated Net Dealer Savings $NaN $NaN $NaN $NaN
% of Savings NaN% NaN% NaN% NaN%
Savings per MONTH $NaN $NaN $NaN $NaN
Estimated Savings per DAY $NaN $NaN $NaN $NaN

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $ $NaN 5% $NaN 5% $NaN $NaN
Monthly Average # of Transactions NaN 2% NaN 2% NaN NaN
Average Transaction Amount $NaN $NaN $NaN $NaN $NaN
Current Average Monthly Expense $
Dealer Current Average Net Effective Rate % % % % %
Current Expense to Accept Credit Cards $NaN $NaN $NaN $NaN
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $NaN $NaN $NaN $NaN
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $NaN $NaN $NaN $NaN
Amount Collected from your customers 3% $NaN $NaN $NaN $NaN
Pass through to Dealer Merchant Services -3% $NaN $NaN $NaN $NaN
Debit Card Transactions Volume $NaN $NaN $NaN $NaN
Debit Expense Paid by Dealer 1% $NaN $NaN $NaN $NaN
# of Terminals Needed (1st Year Only) $NaN $NaN
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $NaN $NaN $NaN $NaN
Estimated Net Dealer Savings $NaN $NaN $NaN $NaN
% of Savings NaN% NaN% NaN% NaN%
Savings per MONTH $NaN $NaN $NaN $NaN
Estimated Savings per DAY $NaN $NaN $NaN $NaN

Patterson Auto Group

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $ $NaN 5% $NaN 5% $NaN $NaN
Monthly Average # of Transactions NaN 2% NaN 2% NaN NaN
Average Transaction Amount $NaN $NaN $NaN $NaN $NaN
Current Average Monthly Expense $
Dealer Current Average Net Effective Rate NaN% NaN% NaN% NaN% NaN%
Current Expense to Accept Credit Cards $NaN $NaN $NaN $NaN
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $NaN $NaN $NaN $NaN
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $NaN $NaN $NaN $NaN
Amount Collected from your customers 3% $NaN $NaN $NaN $NaN
Pass through to Dealer Merchant Services -3% $NaN $NaN $NaN $NaN
Debit Card Transactions Volume $NaN $NaN $NaN $NaN
Debit Expense Paid by Dealer 1% $NaN $NaN $NaN $NaN
# of Terminals Needed (1st Year Only) $NaN $NaN
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $NaN $NaN $NaN $NaN
Estimated Net Dealer Savings $NaN $NaN $NaN $NaN
% of Savings NaN% NaN% NaN% NaN%
Savings per MONTH $NaN $NaN $NaN $NaN
Estimated Savings per DAY $NaN $NaN $NaN $NaN

The Wynn Group



Enter the following from each statement

Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $

Enter the following notes from one of their statements:

Current Provider:
Current Basis Points: For Visa/MC/Disc
For Amex
Current Per Transaction: For Visa/MC/Disc
For Amex
For PIN Debit
Any Monthly Fees:
Statement Fee
PCI Non-Compliance Fee
PCI Fee
Misc monthly fee
Any additional fees not related to Interchange that stand out?
(describe)
regulatory product
comm card i/c savings

The Wynn Group

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $396,918 $4,763,016 5% $5,001,166 5% $5,251,224 $15,015,406
Monthly Average # of Transactions 666 7,992 2% 8,151 2% 8,314 24,457
Average Transaction Amount $595 $595 $613 $631 $613
Current Average Monthly Expense $10,220
Dealer Current Average Net Effective Rate 2.60% 2.60% 2.60% 2.60% 2.60%
Current Expense to Accept Credit Cards $123,838 $130,030 $136,531 $390,400
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $4,763,016 $5,001,166 $5,251,224 $15,015,406
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $2,381,508 $2,500,583 $2,625,612 $7,507,703
Amount Collected from your customers 3% $71,445 $75,017 $78,768 $225,230
Pass through to Dealer Merchant Services -3% $71,445 $75,017 $78,768 $225,230
Debit Card Transactions Volume $2,381,508 $2,500,583 $2,625,612 $7,507,703
Debit Expense Paid by Dealer 1% $23,815 $25,005 $26,256 $75,077
# of Terminals Needed (1st Year Only) 2 $798 $798
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $25,801 $26,193 $27,444 $79,438
Estimated Net Dealer Savings $98,037 $103,837 $109,087 $310,961
% of Savings 79.17% 79.86% 79.90% 79.65%
Savings per MONTH $8,169 $8,653 $9,090 $8,884
Estimated Savings per DAY $268 $284 $298 $283

Highway Marine



Enter the following from each statement

Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $

Enter the following notes from one of their statements:

Current Provider:
Current Basis Points: For Visa/MC/Disc
For Amex
Current Per Transaction: For Visa/MC/Disc
For Amex
For PIN Debit
Any Monthly Fees:
Statement Fee
PCI Non-Compliance Fee
PCI Fee
Misc monthly fee
Any additional fees not related to Interchange that stand out?
(describe)
regulatory product
comm card i/c savings

Highway Marine

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $281,913 $3,382,956 5% $3,552,103 5% $3,729,708 $10,664,767
Monthly Average # of Transactions 806 9,672 2% 9,865 2% 10,062 29,599
Average Transaction Amount $349 $349 $360 $370 $360
Current Average Monthly Expense $8,013
Dealer Current Average Net Effective Rate 2.96% 2.96% 2.96% 2.96% 2.96%
Current Expense to Accept Credit Cards $100,135 $105,142 $110,399 $315,677
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $3,382,956 $3,552,103 $3,729,708 $10,664,767
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $1,691,478 $1,776,051 $1,864,854 $5,332,383
Amount Collected from your customers 3% $50,744 $53,281 $55,945 $159,970
Pass through to Dealer Merchant Services -3% $50,744 $53,281 $55,945 $159,970
Debit Card Transactions Volume $1,691,478 $1,776,051 $1,864,854 $5,332,383
Debit Expense Paid by Dealer 1% $16,914 $17,760 $18,648 $53,323
# of Terminals Needed (1st Year Only) 1 $399 $399
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $18,501 $18,948 $19,836 $57,285
Estimated Net Dealer Savings $81,634 $86,194 $90,563 $258,391
% of Savings 81.52% 81.98% 82.03% 81.85%
Savings per MONTH $6,802 $7,182 $7,546 $7,382
Estimated Savings per DAY $223 $236 $248 $235

Bob Fisher Checy



Enter the following from each statement

Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $

Enter the following notes from one of their statements:

Current Provider:
Current Basis Points: For Visa/MC/Disc
For Amex
Current Per Transaction: For Visa/MC/Disc
For Amex
For PIN Debit
Any Monthly Fees:
Statement Fee
PCI Non-Compliance Fee
PCI Fee
Misc monthly fee
Any additional fees not related to Interchange that stand out?
(describe)
regulatory product
comm card i/c savings

Bob Fisher Checy

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $342,995 $4,115,940 5% $4,321,737 5% $4,537,823 $12,975,500
Monthly Average # of Transactions 1,002 12 2% 12 2% 12 36
Average Transaction Amount $342 $342,995 $360,144 $378,151 $360,430
Current Average Monthly Expense $8,620
Dealer Current Average Net Effective Rate 2.58% 2.58% 2.58% 2.58% 2.58%
Current Expense to Accept Credit Cards $106,191 $111,500 $117,075 $334,767
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $4,115,940 $4,321,737 $4,537,823 $12,975,500
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $2,057,970 $2,160,868 $2,268,911 $6,487,750
Amount Collected from your customers 3% $61,739 $64,826 $68,067 $194,632
Pass through to Dealer Merchant Services -3% $61,739 $64,826 $68,067 $194,632
Debit Card Transactions Volume $2,057,970 $2,160,868 $2,268,911 $6,487,750
Debit Expense Paid by Dealer 1% $20,579 $21,608 $22,689 $64,877
# of Terminals Needed (1st Year Only) 2 $798 $798
Monthly Program Fee $99 per Location 1 $1,188 $1,188 $1,188 $3,564
Proposed Expense to Accept Credit Cards $22,565 $22,796 $23,877 $69,238
Estimated Net Dealer Savings $83,626 $88,704 $93,198 $265,528
% of Savings 78.75% 79.56% 79.61% 79.32%
Savings per MONTH $6,968 $7,392 $7,766 $7,586
Estimated Savings per DAY $229 $243 $255 $242

Bob Fisher Checy



Enter the following from each statement

Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $

Enter the following notes from one of their statements:

Current Provider:
Current Basis Points: For Visa/MC/Disc
For Amex
Current Per Transaction: For Visa/MC/Disc
For Amex
For PIN Debit
Any Monthly Fees:
Statement Fee
PCI Non-Compliance Fee
PCI Fee
Misc monthly fee
Any additional fees not related to Interchange that stand out?
(describe)
regulatory product
comm card i/c savings

Bob Fisher Checy

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $342995.09 $4115941 5% $4321738 5% $4537824 $12975503
Monthly Average # of Transactions 1002.67 12032 2% 12272 2% 12517 36821
Average Transaction Amount $342 $342 $352 $362 $352
Current Average Monthly Expense $8620.07
Dealer Current Average Net Effective Rate 2.58% 2.58% 2.58% 2.58% 2.58%
Current Expense to Accept Credit Cards $106191 $111500 $117075 $334767
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $4115941 $4321738 $4537824 $12975503
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $2057970 $2160869 $2268912 $6487751
Amount Collected from your customers 3% $61739 $64826 $68067 $194632
Pass through to Dealer Merchant Services -3% $61739 $64826 $68067 $194632
Debit Card Transactions Volume $2057970 $2160869 $2268912 $6487751
Debit Expense Paid by Dealer 1% $20579 $21608 $22689 $64877
# of Terminals Needed (1st Year Only) 2 $798 $798
Monthly Program Fee $99 per Location 1 $1188 $1188 $1188 $3564
Proposed Expense to Accept Credit Cards $22565 $22796 $23877 $69238
Estimated Net Dealer Savings $83626 $88704 $93198 $265528
% of Savings 78.75% 79.56% 79.61% 79.32%
Savings per MONTH $6968 $7392 $7766 $7586
Estimated Savings per DAY $229 $243 $255 $242

Test Group



Enter the following from each statement

Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $

Enter the following notes from one of their statements:

Current Provider:
Current Basis Points: For Visa/MC/Disc
For Amex
Current Per Transaction: For Visa/MC/Disc
For Amex
For PIN Debit
Any Monthly Fees:
Statement Fee
PCI Non-Compliance Fee
PCI Fee
Misc monthly fee
Any additional fees not related to Interchange that stand out?
(describe)
regulatory product
comm card i/c savings

Test Group

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $370015.76 $4440189 5% $4662198 5% $4895307 $13997694
Monthly Average # of Transactions 976.67 11720 2% 11954 2% 12193 35867
Average Transaction Amount $378 $378 $390 $401 $390
Current Average Monthly Expense $7158.26
Dealer Current Average Net Effective Rate 1.95% 1.95% 1.95% 1.95% 1.95%
Current Expense to Accept Credit Cards $86583 $90912 $95458 $272955
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $4440189 $4662198 $4895307 $13997694
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $2220094 $2331099 $2447653 $6998847
Amount Collected from your customers 3% $66602 $69932 $73429 $209963
Pass through to Dealer Merchant Services -3% $66602 $69932 $73429 $209963
Debit Card Transactions Volume $2220094 $2331099 $2447653 $6998847
Debit Expense Paid by Dealer 1% $22200 $23310 $24476 $69988
# of Terminals Needed (1st Year Only) 8 $3192 $3192
Monthly Program Fee $99 per Location 1 $1188 $1188 $1188 $3564
Proposed Expense to Accept Credit Cards $26580 $24498 $25664 $76742
Estimated Net Dealer Savings $60003 $66414 $69794 $196211
% of Savings 69.30% 73.05% 73.11% 71.88%
Savings per MONTH $5000 $5534 $5816 $5606
Estimated Savings per DAY $164 $181 $191 $179

Dave Gill Chevrolet Group



Enter the following from each statement

Dealership Name:             #Terminals:    
Month Net Sales Gross Sales Fees Trans Ave $ Trans Eff Rate
$ $ $ $
$ $ $ $
$ $ $ $
3 Month Average: $ $ $ $
Annualized $ $ $

Enter the following notes from one of their statements:

Current Provider:
Current Basis Points: For Visa/MC/Disc
For Amex
Current Per Transaction: For Visa/MC/Disc
For Amex
For PIN Debit
Any Monthly Fees:
Statement Fee
PCI Non-Compliance Fee
PCI Fee
Misc monthly fee
Any additional fees not related to Interchange that stand out?
(describe)
regulatory product
comm card i/c savings

Dave Gill Chevrolet Group

3 Year Savings Analysis
Current: Data from your Statements Year 1 Est Growth Year 2 Est Growth Year 3 3 Year Totals
Monthly Average Credit Card Volume $248318.59 $2979823 5% $3128814 5% $3285254 $9393891
Monthly Average # of Transactions 645.67 7748 2% 7902 2% 8060 23710
Average Transaction Amount $384 $384 $395 $407 $396
Current Average Monthly Expense $4860.36
Dealer Current Average Net Effective Rate 1.97% 1.97% 1.97% 1.97% 1.97%
Current Expense to Accept Credit Cards $58702 $61637 $64719 $185059
Proposed: Dual Price Strategy Year 1 Year 2 Year 3 3 Year Totals
Your Current Annual Credit Card Volume Above $2979823 $3128814 $3285254 $9393891
% of Customers that choose Credit 50%
% of Customers that choose Debit 50%
Credit Card Transactions Volume $1489911 $1564407 $1642627 $4696945
Amount Collected from your customers 3% $44697 $46932 $49278 $140907
Pass through to Dealer Merchant Services -3% $44697 $46932 $49278 $140907
Debit Card Transactions Volume $1489911 $1564407 $1642627 $4696945
Debit Expense Paid by Dealer 1% $14899 $15644 $16426 $46969
# of Terminals Needed (1st Year Only) 12 $4788 $4788
Monthly Program Fee $99 per Location 1 $1188 $1188 $1188 $3564
Proposed Expense to Accept Credit Cards $20875 $16832 $17614 $55321
Estimated Net Dealer Savings $37827 $44805 $47105 $129737
% of Savings 64.44% 72.69% 72.78% 70.11%
Savings per MONTH $3152 $3733 $3925 $3706
Estimated Savings per DAY $103 $122 $129 $118