770.631.4444sales@kbopaymentprocessing.com Product/Services KBO will support you with a wide variety of terminal options to accept credit cards and debit cards as well as other forms of payment. You can perform secure Point of Sale transactions from your counter top terminals hardware, computer software, eCommerce, Virtual Terminals, or wirelessly. You can reduce transaction costs using Address Verifications and pin pads. Copyright © 2018 KBO Payment Processing. All Rights Reserved. KBO Payment Processing, LLC is a registered ISO of Wells Fargo Bank, NA.,Concord, CA. American Express may require separate approval. designed by Vibrant Web Creations, LLC

770.631.4444sales@kbopaymentprocessing.com Service Areas KBO Payment Processing currently services merchants throughout the United States. Although our headquarters are located in Alabama, we continue to effectively service our clients regardless of their location, i.e. Alaska to New York. Copyright © 2018 KBO Payment Processing. All Rights Reserved. KBO Payment Processing, LLC is a registered ISO of Wells Fargo Bank, NA.,Concord, CA. American Express may require separate approval. designed by Vibrant Web Creations, LLC

770.631.4444sales@kbopaymentprocessing.com EMV The way customers are paying is changing. In the US, consumers have traditionally used cards with a simple swipe. Unfortunately, the magnetic strip cards are susceptible to credit card fraud. The EMV card technology has been used in Europe for years. It is the more secure way to pay because it uses a “smart chip” which is capable of much more sophisticated authentication than the magnetic strip cards. Essentially, there is a fully operating computer system embedded in every EMV card. This chip is tamper-proof, making the card nearly impossible to clone. Merchants need to upgrade POS terminals and software to process EMV payments by October 2015. The good news is that EMV is going to bring some perks that we haven’t seen before. Most importantly, EMV enabled POS terminals provide protection against counterfeit card fraud. Copyright © 2018 KBO Payment Processing. All Rights Reserved. KBO Payment Processing, LLC is a registered ISO of Wells Fargo Bank, NA.,Concord, CA. American Express may require separate approval. designed by Vibrant Web Creations, LLC