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Mac Nab further noted that VizyPay was founded by small business owners to look out for small business owners and
that mentality still drives the company today. Then he smiled and said, "People see how fast we're growing and they say,
that's all well and good but pretty soon you'll be just like all the other big dinosaurs. You'll get big and powerful and forget
your small business roots. Ask anyone who works here and they'll tell you, that's not going to happen."

Look Local First
VizyPay is growing fast but will always keep our lean and agile mentality, Mac Nab stated. It starts with our company's
culture that allows us to be a speedboat no matter how big we get. And it continues with our people, who we celebrate
every day. Talk to our janitor, a shipping clerk or the top guy like me. Talk to our recruiter or talk to a director. Every single
person you talk to will have the same mindset as I do. We want to do the right thing for business owners, show the truth
behind payments processing, make life-changing money and do it the right way.

Small businesses and independent agents need an advocate, someone who is actively working on their behalf. That's why
VizyPay exists, Mac Nab said, and that's why we created the Look Local First movement. This holiday season, let's show
our small business owners how much they mean to our families and communities.
VizyPay sends you our very best wishes this holiday season. For more information about how VizyPay can make a
difference for you and your family, visit www.vizypay.com

eadquartered in Troy, Michigan, award-win-
ning North American Bancard is an industry
leader in credit card processing, providing a
H variety of merchant services that help client
companies of all sizes develop solutions for payment pro-
cessing, including credit, debit, EBT, check conversion
and guarantee, gift & loyalty cards, and much more. As
an MSP/ISO since 1992, North American Bancard is dedi-
cated to offering the highest service levels, exceptionally
competitive pricing, and the latest technology to its cli-
ent companies, including Pay Anywhere, its proprietary
point-of-sale (POS) solution. With over $34 billion worth
of payments processed for more than 250,000 businesses
every year, North American Bancard is determined to
help American business prosper.

What’s New:

Earn 36x Upfront with NAB's BIGGEST

Residual Buyout Offer Ever!

hinking of cashing in on some of your residuals to get capital? Worried about how the uncertainty of potential
administration changes in Washington could impact your bottom line? Inching closer towards retirement?
No matter what your reasons, now is the perfect time to cash in on your portfolio. That’s because payments
T technology leader North American Bancard is currently offering its biggest upfront residual buyout offer ever!

Here’s how it works: Now through the end of 2020, NAB will purchase the first 50% of your existing residuals at a
whopping 36x their current value — that’s 20% higher than any residual buyout offer we have ever made before. If you’re
serious about accelerating your cash flow, there has never been a better time than right now. We’ll even buy residuals you
have with other ISOs and processors. Qualifying for our 36x Residual Buyout Offer Program is easy: Most importantly,
deals need to be signed and funded in the calendar year 2020.

Here’s how the program works: Let’s say you have $20,000 in residuals and we purchase the first 50% — that’s $360,000 in
your pocket right now. You can then use that money to:

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