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Calpian, Inc. (CLPI) Highlights Northern Merchant Services

|Includes: MoneyOnMobile, Inc (MOMT)

Calpian Commerce, wholly owned subsidiary of Calpian, Inc., is made up of companies which together offer a comprehensive range of transaction software and services for U.S. merchants, such as debit and credit card processing. The operations support both online and physical entities, for settings requiring wired as well as wireless/portable payment solutions.

One of the Calpian Commerce companies is Northern Merchant Services (NMSI), which, for over a decade, has been providing affordable payment processing solutions. The company was founded as a local service provider in 1997, and quickly became a top producer for NOVA (now Elavon), a major credit card processing subsidiary of U.S. Bancorp. NMSI was chosen as a premier servicing agent for Elavon's community bank program. In addition, NMSI continues to develop their own programs specific to the needs of community banks and their business deposit customers.

• Card Present Processing - Retail locations receive the lowest rates available for face-to-face processing.

• Software Solutions - Turns a PC into a virtual terminal with many software options.

• Card Not Present Processing - Offers many solutions for key-entered transactions.

• eCommerce Solutions - Gateways and Virtual Terminals through a web browser.

• Wireless Processing - AirCharge units or wireless terminals allow on-the-spot processing.

• Telephone Processing - Phone in transactions to an 800 number with a flat discount rate.

Northern Merchant Services is a member of the Independent Community Bankers of America (ICRA), considered the nation's voice for community banks, representing nearly 5,000 community banks of all sizes and charter types throughout the U.S. The ICRA is dedicated exclusively to representing the interests of the community banking industry. NMSI is also a member of the Independent Bankers Association of New York State (IBANYS), which serves independent community banks across New York State. IBANYS member institutions provide loans and other financial services in their respective local communities which encourage a vibrant local economy.

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