COCARD:Core Competencies

• A reliable democratic model that promotes transparency and a familial atmosphere.

• A unique business model that brings trust and integrity, resulting in otherwise unavailable equal opportunities for all COCARD members.

COCARD as a Brand • Reliable

– Feet on the street where you eat • Valuable

– Full range of customer-driven products

• Sustainable – Model promotes and rewards

growth• Stable

– Founded in 1999

THE COCARD BRAND PROMISE

Cocard as Person:Open, Entrepreneur, Social, Team Player,

Independent, Creative, Ambitious A Unique Business Model

Created by ISO's... To Serve ISO's...

Owned by ISO's! Power in

Numbers

Cocard’s as an Organization:Unrivaled Member Service, Unique model, Availability, A Reputation for Growth.

Cocard’s as Symbols:Logo is recognizable, consistent with strength in the financial industry. Trademarks and Registrations with highly reputable industry leaders.

Benefits of Joining COCARD

• Non-Exclusivity: – Choose to send your business

through COCARD or board merchants elsewhere.

• Transparency and Trust: – All financial information, board

minutes, contracts and the like are readily made available to the members.

Benefits of Joining COCARD

• Ownership and Control: – Receive lifetime protection for your

portfolio. Your units can be monetized in future capital transactions.

• Exit Strategy: – Elect to “Tag On” your residuals in a

capital transaction and receive above market value on your portfolio.

Key Components ofProcessing Contracts

COCARD leverages its power in numbers to secure key

processing terms:• No risk or liability…• Collaborative pricing/buy rates…• Protection of portfolio and

revenue…• Transfer and portability rights…

Key Components of COCARD’s Reseller Agreement

• Non-exclusivity…• Protection of merchant

portfolio…• Revenue share and pricing…• Rights under a capital

transaction…

Next Steps:Orientation and Mentorship

Once your membership is approved, COCARD will facilitate training and mentorship.

• A COCARD trainer will provide education on processes, boarding and products.

• A COCARD member/mentor will assist you throughout the process and help you succeed with COCARD.

Mission Statement Cocard is an unique company that was organized by ISO’s, is owned

and managed by ISO’s, for the benefit of the individual ISO.

Our mission is to provide a pathway for ISO’s and agent resellers to maximize individual business strategies within the payment

processing arena. By collectively pooling our resources and brain trust our goal is to enhance the overall economic return for all

members.