PIVOTAL PAYMENTS, INC.
SCOTTSDALE, AZ

They chose Pivotal Payments and they’ve never looked back! I do not hesitate to recommend Pivotal to all types of businesses to use for collecting payments and/or to improve their receivables. Pivotal Payments has helped us save as our volume has increased, by cutting our merchant processing fees without affecting our service. Our ability to take debit and credit card payments at the customers’ homes makes Pivotal Payments an integral part of our customer service options Pivotal Payments Pivotal Payments is a leading provider of technology-driven global payment processing solutions for small to large enterprises in the point-of-sale, B2B and e-commerce industries. Our proprietary solutions include card-not-present, integrated POS and mobile payments that offer businesses efficiency and profitability across all sales channels and platforms. With a focus on security and fueled by continuous investment in research, product development and innovation, we are shaping the future of payments. Our goal is to maximize our clients’ revenues and performance by empowering them with safer and smarter transactions. In order to deliver the best payment acceptance strategies to our clients, we operate multiple divisions dedicated to specific industry segments. Staffed with knowledgeable and experienced professionals, we work closely with our merchants and partners to determine which of the many services available today are best suited to their business needs. Equally important to us is our unwavering commitment to excellence and merchant satisfaction. We strive to make it easy for our customers to do business with us. Mission Our mission is to provide valued processing solutions which make a positive material impact to the businesses of our merchants and partners across the globe. To be a top tier Global Merchant Services Provider by creating a meaningful contribution to our clients, partners, employees, suppliers and shareholders. Mr. Fayer founded Pivotal Payments in 2003 to make payment processing more accessible to small and mid-sized businesses. The company has since expanded to provide merchant services to large corporations, chains and franchises. Today, Pivotal Payments serves more than 70,000 merchants in North America and has 450 employees and processes over US$15 billion in annual transaction volume. Mr. Fayer’s leadership is broadly recognized, having been named one of Canada’s Top 40 Under 40 for 2009 as well as receiving the Ernst & Young award for Emerging Business in 2003. Under his leadership, the organization was a finalist for the top 50 best managed companies in Canada by Deloitte and Touche. Mr. Pyke is primarily focused on Pivotal Payments' revenue generating activities. He has over 25 years of payments industry experience, having held senior management roles at multiple leading organizations. Mr. Fernandes is Senior Vice-President and Chief Financial Officer of Pivotal Payments. He began at Pivotal in 2003 as a member of the original management team. Mr. Fernandes has more than 15 years’ experience in banking and served previously as Managing Director, Corporate & Investment Banking, BMO Nesbitt Burns, a subsidiary of Bank of Montreal. Before that, he worked in structured financing with Bankers Trust, NY. Mr. Fernandes is responsible for the financial, administrative and legal affairs for the Pivotal group of companies and has successfully contributed to the growth of Pivotal through both its organic and acquisition strategies over the years. Mr. Fernandes is a member of the Institute of Corporate Directors and Association for Financial Professionals. He serves as a Board member of Pivotal Payments and Rideau Recognition Solutions. He has a B.Sc. (McMaster University), MBA (McGill University), ALM (Harvard University), and a Post Graduate Diploma in Strategy & Innovation (Oxford University). Keith Birdsong is responsible for Pivotal Payments’ Information Technology services. This includes the operation and enhancement of the back office, processing systems and network infrastructure. He is responsible for the overall technology direction and leadership of the network and development teams. Mr. Birdsong has more than 25 years of IT experience in a variety of technical and leadership roles with a number of organizations, including Torchmark Corporation, Heartland Payment Systems and Electronic Data Systems. Prior to joining Pivotal Payments, Mr. Birdsong was the Director of Software Development at Torchmark Corporation. Ms. Straub leads a team of risk, underwriting and loss prevention professionals at Pivotal Payments. As a seasoned payments executive who has worked for national and international merchant acquirers, she has extensive knowledge and expertise in the area of Merchant Acquiring Operations specializing in risk mitigation and regulatory compliance. Ms. Straub's successes are in building policies, processes and procedures resulting in improved customer service levels and operational efficiencies. Mr. Hughes leads Pivotal’s global acquiring division, GlobalOnePay, along with its business development and partner teams. With over 20 years of electronic payments industry experience, he has co-founded successful businesses in the financial services and merchant acquiring spaces. Mr. Hughes has held senior management positions with multiple top tier acquirers and was CEO/Co-founder of Base Commerce. Mr. Katzfey has over 25 years of progressive experience in electronic payments and banking, with a focus on International and US domestic processing. He remains active by serving on corporate boards and taking speaking engagements. Mr. Katzfey previously served as Credorax’s VP of Business Development & Sales for North America. I recommend Pivotal Payments to any merchant shopping for price and reliability. We have had good service and the folks at Pivotal have been friendly when we needed them. We also saved money by making the switch from our bank. I find Pivotal Payments was quick to resolve a problem I had a couple of years ago. I haven’t had any issues since, and I’m happy with the services they give my business.