As we conclude this remarkable year, we extend our gratitude for your unwavering partnership that has fueled our collective success. As we embrace 2024, we look forward to even greater opportunities, confident that your trust and commitment will continue to drive our shared growth and prosperity.

As we eagerly anticipate the opportunities that 2024 holds, we are pleased to showcase the outstanding achievements we've reached in 2023, all of which could not have been accomplished without your valuable partnership and support.

We're thrilled to announce the expansion of our headquarters to a second U.S. location in vibrant Plantation, Florida! This strategic move allows us to zero in on our groundbreaking Swipe4Free Dual Pricing and Surcharge programs, featuring dedicated ISO, ISV, and Direct Sales teams right in the heart of Florida. Get ready for personalized, one-on-one support as we elevate the experience for our valued merchants in the Sunshine State!

We've successfully extended our support and services to over 10,000 new merchants across the nation. Renowned for our unparalleled assistance and cutting-edge equipment, we've become the go-to choice for both emerging and established businesses. With our innovative Swipe4Free Dual Price program and Surcharge program, merchants now have the power to eliminate all of their credit card fees, while our traditional credit card processing program continues to set industry standards with the most competitive rates available.

We've expanded our list of acceptable high risk merchants, giving our valued partners the opportunity to reach even more clients with our phenomenal POS, terminal, and merchant service provider solutions. Get ready to seize new opportunities and elevate your business with our expanded offerings.

NEWLY APPROVED HIGH RISK MERCHANTS:

• Online Dating Services
• Online Firearms
• Online Pharmacies

We created a tailor-made POS bundle meticulously designed to cater to the unique needs of deli/grocery, restaurant, and retail merchants. Our specialized solution seamlessly integrates with our Swipe4Free Dual Pricing platform. It's the perfect match for those seeking unparalleled efficiency and growth in their operation.

We introduced an exciting partnership opportunity with Youlend, a premier financial provider! Now, merchants with as little as 3 months of sales history and an average monthly revenue of $1,000 can seamlessly access funding within 48 hours. The straightforward application process takes just a few minutes, and through Youlend, we've empowered numerous merchants with substantial financial support to cater to their business needs throughout the year!

With a dedicated emphasis on Tech Support, Customer Support, and Underwriting/Risk support, we've elevated our capabilities to serve our merchants' needs better. We introduced our specialized POS Support department committed to addressing all Point of Sale inquiries from our valued merchants. Our Direct Sales team has doubled in size, contributing to an overall expansion of our expert staff, now boasting a robust team of 100+ members. This investment underscores our commitment to delivering unparalleled support and service excellence.

We introduced a streamlined MPA meticulously revamped to seamlessly integrate Dual Pricing, Surcharging, and Traditional programs into one comprehensive agreement. This all-inclusive solution not only simplifies the process but also introduces our latest innovation – the new merchant attestation form. 

We expanded our banking relationships and partnered with the esteemed Commercial Bank of California. This dynamic partnership introduces an innovative credit policy, unlocking opportunities for verticals that were previously constrained. With our new affiliation, we're pleased to announce the removal of basis points on card-present transactions for tobacco, gadgets, and travel merchants. This move underscores our commitment to fostering growth, offering unprecedented advantages to our valued clients in these sectors. 

Throughout 2023, we actively participated as exhibitors, sponsors, and partners in premier industry conferences and trade shows nationwide. Our strategic presence spanned nine different states, encompassing twelve distinct trade shows. This concerted effort not only facilitated the acquisition of new merchants but also forged valuable partnerships with industry leaders across various industries. This robust engagement demonstrates our commitment to expanding networks, fostering growth, and solidifying our position as a trusted partner within diverse markets.