CLEARENT is ONE OF FASTEST GROWING PAYMENT PROCESSOR in USA, One of only twelve direct processors in the nation.

It
means there are no middle men to pay like with the thousands of other processors out there.
Do you know that banks are not direct processors? You will discover the incredible value powered by direct processor, Clearent the best
reliable your payment partner.
The Most Reliable Direct Source of Merchant Payment Services, CLEARENT offers the incredible value such as world class perfect
payment services with the lowest pricing and superior customer support directly without middle man.
The payment solutions you've been
searching for

Never Miss Your Great Benefits On Payment
Processing With Clearent.
Even if Million Others Never Help You Satisfy.
Here is a new approach You never had!
WE ARE HERE TO ADVANCE YOUR BUSINESS
James Lee
M. 917.930.3945
F. 718.661.0014
jlee@clearent.com
www.Clearent.com
Welcome to Clearent
Your Most Reliable Payment Processing Partner
When you turn to CLEARENT, youll find truly different kind of processor.
Let us show you how Clearent can meet all of your payment needs
while providing you with great benefits
SWITCH TO CLEARENT!
YOUR BENEFITS WILL NEVER END..
Ask About
Merchant Services
James Lee M. 917.930.3945
AplusPayments@gmail.com
http://b2breferral.wix.com/home

Dear Merchant,
On behalf of the Clearent Northeast Sales team, I would like to thank you for the opportunity to
provide Clearent Customers Incredible Advantages on Non Cash Payment processing services.
We appreciate your consideration in reviewing our proposal and look forward to continuing to
service your business needs.
As one of only 12 processors in USAthe fastest growing acquirer in the USClearent has
unmatched expertise and single-source functionality, which is unique in todays outsourced
world. We fully understand Harvey Industries business model and the need for choosing the
right long-term partner.
Clearent has experienced professionals with diverse electronic payment processing expertise.
Our systems are designed to allow Harvey Industries to obtain the lowest cost of acceptance on
each and every transaction. Our world-class solution will help with future growth at enhanced
margins. From our proprietary platforms to our customer service, every facet of our company is
designed to support your processing needs and is 100 percent owned by Clearent.
We will continue to manage every facet of our partnership with Harvey Industries to achieve
optimal rates, to inform you on process and compliance enhancements, and formulate strategic
plans for continued success. Each element of our partnership will provide you with the assur-
ance that every aspect of your processing experience is being optimally managed. We look for-
ward to the privilege of continuing our relationship and delivering a complete payment
processing solution to your organization.

Respectfully,



James Lee,
Account Executive


These copies were created by James Lee and opinions expressed here are the personal opinions of James Lee, an account
executive of Clearent. Content published here is not monitored or approved by Clearent before it is posted and does not
necessarily represent the views and opinions of Clearent .

INTRODUCTION CLEARENT CUSTOMERS INCREDIBLE ADVANTAGES
James Lee
M. 917.930.3945
F. 718.661.0014
jlee@clearent.com
www.Clearent.com
Your Most Reliable Payment Processing Partner
Ask About
Merchant Services
James Lee M. 917.930.3945
AplusPayments@gmail.com
http://b2breferral.wix.com/home

A DIFFERENT KIND OF PROCESSOR
Clearent: A Closer Look
When it comes to payment processing, Clearent was built to be different.
We combine leading edge technology, a passion for service, and proprietary tools that help you increase profi
ts and boost your business.
Your Trusted Partner for Payment Processing
CLEARENT IS THE RIGHT CHOICE for all of your payment
processing needs. We value transparency, honesty, and
innovation and never stop looking for ways to make our clients
more profitable.
We offer next day funding with an 11:00 p.m. EST cut off
time, which is one of the latest in the industry.
Youll also receive fast application approvals and access to
graphical online reporting tools that make it easy to manage your
merchant services program.
When questions arise, youll receive personalized service and you
can eliminate the middleman and unnecessary costs and fees
thanks to our proprietary processing platform that connects us
directly with Visa, MasterCard and Discover.
Our Mission & Vision
Principles that Guide Us and the Code We Live By
When you partner with Clearent, youll see that we dont just
talk about the principles behind our mission and vision
statements, we live them.
MISSION STATEMENT
Through our technology, business processes, and
trust-based working relationships, we will become
irreplaceable to the partners who sell our payment
processing services to merchants.
VISION STATEMENT
To be the payment processor that our customers
consistently recommend to their colleagues.
Ask About
Merchant Services
James Lee M. 917.930.3945
AplusPayments@gmail.com
http://b2breferral.wix.com/home


LET THE CLEARENT DIFFERENCE WORK FOR YOU. We built our back-end processing platform from the
ground up so that we can better meet your needs and offer an unmatched level of fl exibility and service that
legacy processors cant match.
Clearent by the Numbers
Active merchants: 20,000+
Transaction volume: $5 Billion
Year-over-year growth (2012-2013): 61%
Full-time employees nationwide: 120+
Accolades
Inc. 5000 list of fastest growing private
companies (#904)
The Nilson Report Top Acquirers (#51)
St. Louis Business Journal list of fastest
growing private companies (#3)
A+ rating from Better Business Bureau
InfoWorld Top 100 Award
At Clearent, were focused on building trust-based relationships. This commitment
to our sales partners and merchants is what fuels our organic growth and keeps us on the
Inc. 5000 list of fastest growing companies and has helped us receive numerous other
accolades.
Let Clearent help you take advantage of the latest trends in credit card
processing. Were not content with looking at the here and now were focused on
the future, for your success and ours!
2014 Clearent, LLC, a Member Service Provider for First National Bank of St. Louis.
clearent.comlinkedin.com/comp
any/clearenttwitter.com/GoClea
rentfacebook.com/GoClearent
Need More Information?
Were focused on your future and are here to help your
business. To learn more, contact James Lee at
James.Lee@clearent.com or 1.917.930.3945.
Sign Up For Free Consultation! The Sooner, The More Profits!
James Lee Free & Reliable
Payment Processing Consultation
If You have any issue on your payment processing,
Ask James Lee for the best solution then With his18 years
payment processing industry expertise,
He will help you have the instant solution with The great benefits
you never expected.
See What A Consulting Make Your Business Deferent!
Through Better Services Plan With Best Payment Processor Such As
Clearent,
A Consultation With James Lee Help Achieve Faster Growth And Faster
Profits Such AS:
Learn More, Visit: http://b2breferral.wix.com/home
Ask About
Merchant Services
James Lee M. 917.930.3945
AplusPayments@gmail.com
http://b2breferral.wix.com/home

To have the perfect payment solutions fit your unique business needs.
To prevent your damages from the bad choice for the processing services
provider, equipment's and service plane: etc
To Stop your loss profits on hidden surcharges on payment processing service fee.
To protect your business from the damages from the failing of payment
processing mandatory such as PCI Compliance and avoid IRS Backup withholding
your card sales settlement at a rate of 28%
Ever wonder what sets one processor apart from all the others in such a crowded field? Well, wonder no more. When you get
help from James Lee for all your processing needs, youll discover that a unique experience, with a new revolution on your
payment processing powering the best benefits such as:
A Complete Payment Solutions- Tailed to Your Business Needs. we enable your business to make the sale - grow
your sales with every payments anywhere, anytime
Regulatory Compliance Assistance protecting your business such as PCI Security Compliance
Program and Regulatory reporting program
3 Year Price Guarantee - no price increases every April & October like other processors
No cancellation fee with 45 day written notice - You can sign up for our service with no obligation or risk, and
youre not locked into a long-term contract. You can cancel your service at any time, for any reason, with no penalties or early
termination fees when you give us a 45 day written notice
Next day funding including weekend- get your money the next business day including getting your weekend batches on Monday
morning when you batch before 10:00PM CST with Express Funding

Superior Customer support - Our friendly, responsive customer support experts are ready for you 24/7/365 U
Daily updates - Easy, stress-free reconciling with online reporting thats updated daily
Seamless POS Integration- Despite what you may have been told, not all POS systems are proprietary to one
merchant processor. We can seamlessly integrate with these POS systems and more:

Apply for A New Approach On Payment Processing
A FASER BETTER GROWTH WITH YOUR GREAT PROFITS ON CARD SERVICES
Ask About
Merchant Services
James Lee M. 917.930.3945
AplusPayments@gmail.com
http://b2breferral.wix.com/home

A Different Kind of Processor
In stark contrast to processors that offer rigid systems built on outdated technology, spotty
customer service and high PCI fees, we deliver interchange plus pricing which is wholesale
pricing that identifies the true cost of every card that comes through your door.
Aldelo Systems
Aloha
Comtrex
Datacap Systems
Supermenu POS
Halo
Harbortouch
Ingenico
MICROS
Digital Dining
Dinerware
Focus
Future POS
NCR
POS Lavu
POSitouch
QuickBooks
Restaurant Manager
ShopKeep
SilverWare
Squirrel Systems
Reducing Your Credit Card Processing Costs

Competitive Pricing Work with a direct processor and eliminate the
middleman and unnecessary, costly fees. There are only 12 direct processors in
the nation, and did you know that banks are not direct processors?
Competitive rates - Our rates are among the industrys most competitive
No hidden fees - We give you the clearest, most detailed statement in the
industry
Free PCI - Absolutely no fees for merchants who complete our free PCI
questionnaire
Learn More How You Get
The Lowest Processing Cost
Sign up For free consultation,
Contact James Lee at 917-930-3945
AplusPayments@gmail.com
You are sick and tired of hidden surcharges eating your profits every single
sales, are you? We will stop your loss and help your business more profitable.
Turning to Clearent,
Your Benefits On Processing Never End..
Easy to Switch Paying your cancellation fee with Cost-free
Application. Free to Go No Early Termination fee will by applied
with Written Notice
Call James Lee
1. 917.930.3945
AplusMerchants@gmail.com
Advance Your Business
With James Lee At Clearent
YOUR GREAT ADVANTAGES WITH US
Perfect Processing Solution Fit Your
Business
Reduce Your Overall Cost More Than 25% Less
Increase Your Sales And Your Business Safety.
Payless More Than 25% Of
Average Cost On Payment Processing
3 Year Price Guarantee - no price increases
every April & October like other processors
Competitive Pricing Skip the
middleman and avoid unnecessary,
costly fees by working with a direct
processor for Visa

, MasterCard

, and
Discover

.
Competitive rates - Our rates are
among the industrys most
competitive
No hidden fees - We give you the
clearest, most detailed statement in
the industry
Free PCI - Absolutely no fees for
merchants who complete our free PCI
questionnaire
Know Who can bring the best profits
Ask About
Merchant Services
James Lee M. 917.930.3945
AplusPayments@gmail.com
http://b2breferral.wix.com/home

A Complete Payment Solution
Products and Services Tailed to Your Business Needs
A COMPLITE CARD ACCEPTANCE
CREDIT
Fast and easy acceptance of Visa,
MasterCard, American Express, and
Discover cards is the mark of a strong merchant
services provider, as is quick, no-hassle
settlement. Clearent delivers both!.
SINATURE OR PIN-SECURED DEBIT
A rapidly growing payment option for consumers,
debit cards can reduce your processing costs. With
Clearent, you can accept PIN-based debit cards
from all of the major debit networks
EBT - Cut down food stamp processing time and eliminate
potential fraud with our Electronic Benefits Transfer service.
Your customers have full access to their funds and we help you
to examine eligibility and determine the solution that best suits
your business!
CHECKS - We offer a wide array of electronic check
and ACH services, including check conversion,
guarantee, remote deposit capture and ACH debit. No
cash? No problem!
A COMPLETE VALUE ADDED
PROGRAM
GIFT CARDS AND LOYALTY CARDS
Begin selling your own gift cards or launch a
customizable, card-based customer loyalty program in
as little as two weeks. Real-time, online reporting makes
managing your program a breeze.
Gift card spend can result in up to a 50% higher average
ticket. With 9-out-of-10 people purchasing or receiving at
least one card in the last 12 months, consumer demand
has expanded prepaid well beyond retail.
Loyalty Card Program which allows you to easily (and
frequently) create and track promotions to incent
repeat business and reward your best customers.
Double points, buy-10-get-1-free, whatever you have in
mind...its automatically managed through your credit card
terminal.
ATM Services
Cash Advance Products-helping you have the
Lowest Interest Rate with variety of payback option
at the top of fast approval from $50,000 up to $1MM
THE PERFECT SOLUTION
FITS YOUR BUSINESS
IN STORE
Switch to high-speed processing to potentially save
money on every transaction. Add a PIN-pad for additional
savings on larger purchases. Use your existing
equipment or your Clearent Account Executive, James
Lee can recommend the right terminal for your business.
ONLINE OR OVER THE PHONE
Securely sell online or take payments over the phone.
Login to the Virtual Terminal to accept payments through
your computer. Add a mag-stripe reader to secure more
favorable card-present rates.
ON YOUR WEB STORE -Accept payments on
your web store with e commerce credit card
processingfrom CLEARENT. The fast, safe, and secure
way to run your business
ON THE WAY
Wireless terminals and cellphone applications mean
youre free to accept payments practically anywhere.
Flexible Point-of-Sales Solution:
Terminals, virtual terminals, payment gateway, POS Software, wireless, mobile and IVR/touchtone.... We make integration easy by offering POS software for brick-and-
mortar retail ... Wireless connectivity makes mobile commerce (m-commerce) possible. ... Mobile Phones ... service turns your touch-tone phone or cell
phone into a robust POS device. We can seamlessly integrate with these POS systems and more: Digital Dining, Future POS, MICROS, Comtrax, Aloha, Harbortouch, POS Lavu,
POSitouch, Supermenu POS, NCR, Ingenico, Aldelo Systems, Squirrel Systems, Datacap Systems, Dinerware, SilverWare, Restaurant Manager, Halo, Focus, ShopKeep, QuickBooks
Recurring Payments - Automate the management and collection of scheduled payments. Set up daily, weekly or monthly plans that charge your customers credit card or
checking account
Clearent customers also have 24/7 access to a toll-free Automated Voice System (AVS) to secure a credit card authorization
Ask About
Merchant Services
James Lee M. 917.930.3945
AplusPayments@gmail.com
http://b2breferral.wix.com/home

A FASER BETTER GROWTH WITH YOUR GREAT PROFITS ON CARD SERVICES
James Lee helps US merchants eliminate barriers to success so you can win the day. His customers
satisfaction on the unique combination of value pricing and excellent Assistance have put him on the
fast track for growth and helped him be able to set up more than 5,000 local merchants by himself
The Choice Of Mobile Payment Solutions
ePN
Mobile
MagTek
QwickPAY
VeriFone
PAYware
Smartphones iPhone
Android
Blackberry
iPhone
Android
iPhone
Android
Tablets iPad compatible iPad compatible iPad compatible
Pricing:
Up front
Monthly
Transaction

$117.00
$6.00
$0.06

$115.00
Free (1 year)
Free

$55.00
$20.00
Free
Features Multiple phones Multiple phones
Geo-tag
Best Mobile Payment Solution is VeriFone PAYware-No Transaction Free to use
mobile application
Clearent Mobile Payments
Your Business Payment
Processing Equipment Solution
INTRODUCTION CLEARENT CUSTOMERS INCREDIBLE ADVANTAGES
James Lee
M. 917.930.3945
F. 718.661.0014
jlee@clearent.com
www.Clearent.com
Your Most Reliable Payment Processing Partner
Ask About
Merchant Services
James Lee M. 917.930.3945
AplusPayments@gmail.com
http://b2breferral.wix.com/home

VeriFones PAYware Mobile enables merchants to
accept payments with their mobile phones.
Target Merchants
Mobile merchants (e.g., flea market, craft show, food delivery, etc.)
Home services (e.g., contractors, plumbers, photographers, musicians, etc.)
Transportation services (e.g., taxis, limousines, etc.)
Description
VeriFones PAYware Mobile is a complete payment solution that transforms a smartphone into a secure
payment portal. Simply swipe a card, capture a signature and enjoy the convenience of payments wherever,
whenever. With PAYware Mobile, not only do you have the ultimate in convenience, you have the ultimate in
security.
Merchant Benefits:
Card data is fully encrypted to ensure secure transaction processing.
Speeds transactions and eliminates manual-entry errors by swiping cards
Swiped rates help merchants save up to 30% on the cost of accepting credit cards.
Multiple phones can be consolidated into a single gateway account for easy reporting.
iPhone Android
Product Brief
VeriFone PAYware Mobile
Features
Compatible with Apple iOS version 4.0 and
higher: o iPhone 3, 3G, 4, 4S, 5
o iPad 2, 3, 4
o iTouch 1G, 2G, 3G, 4G, 5G
Compatible with select Android devices,
including: o HTC Droid Incredible, EVO 3G,
EVO 5G LTE o LG Nitro HD, Optimus S
o Samsung Galaxy S II, Tab, S Blaze 4G
o Samsung Nexus S
866.435.0666 1 3/25/13
Product Brief
VeriFone PAYware Mobile
PAYware Connect Gateway is PCI Level 1 certified
Supports credit and signature debit transactions (not PIN based debit)
Supported transaction types: sale, pre-auth, voice-auth, credit, tip adjust, void
Customizable receipt email
Electronic signature capture
Transactions feature geo-tagging of the nearest street or coordinates to reduce pay disputes
Address verification (AVS)
Supports tax and tips
Remotely manage multiple devices from a single administration account
Remote deactivation to secure lost devices
Real-time reporting including extensive search capabilities to find specific transactions
Merchant can enable/disable auto-close and customize the settlement time
Pricing
Unlimited Promotional
Fee Month-to-Month Month-to-Month
PAYware Secure Audio Reader 1 FREE 1 FREE
additional $65 each additional $65 each
Setup Fee $55.00 $55.00
Monthly Fee $20.00 $13.00
Transaction Fee -- 200 txns free
unlimited txns $0.35 / additional txn
Monthly Fee for each additional phone $6.00 $6.00
PAYware Mobile fees are charged in addition to standard authorization, transaction and monthly fees.
Merchant pricing must include setup, monthly and transaction fees at a minimum of the prices above.
Application & Billing
How does merchant apply? In the Equipment section of Clearent Boarding, select Staging Only as
the terminal and choose CUSTOM as the application (MMS Code). In the
Comments field, please enter VeriFone PAYware and the exact type of
device which will be used to ensure a compatible card reader.
Please submit a TPG Mobile Order Form, PAYware Connect Terms of
Service and a PAYware Gateway Billing Agreement (month-to-month), all
of which must be signed by the merchant. Please indicate the pricing for
all fees to the merchant on the forms, making sure they meet above
minimums.
Clearent will set up the PAYware account (thru Phoenix) and PAYware
will automatically send activation instructions to the merchant via e-mail.
Who bills the merchant? The Phoenix Group
How is the sales partner Clearent will make a residual adjustment for the sales partners share of
paid? the revenue (merchant revenue less the costs in the Pricing section
above).
Additional Information
PAYware Mobile website:www.paywaremobile.com
Complete list of supported devices
866.435.0666 2 3/25/13

MODERATE RISK MERCHANT
Application
Voided Check / Bank Verification
3 Previous Processor Statements
Business Financials (if needed)
Description of business via marketing material web
page, advertisement, etc. Return Policy
If You already have a consultation with James Lee, Download & Fill out Clearent Merchant
Services Application Then Fax to 718-661-0014 or email application to Jlee@Clearent.com
TAPE VOIDED CHECK HERE
LOW RISK MERCHANT
Application
Voided Check / Bank Verification
3 Previous Processor Statements
1. The Application Guide - Required Paperwork
Please Fill Out Clearent Application Data Inquiry (Next Page)
Fill out This Merchant Services Application Inquiry
Then Fax to 718-661-0014 or email application to Jlee@Clearent.com

2. You will receive the Merchant Services Application Filled Out
Then Review It First, Submit to James Lee with Your Authorization Including
Below Additional Paperwork
Ask About
Merchant Services
James Lee M. 917.930.3945
AplusPayments@gmail.com
http://b2breferral.wix.com/home

YOUR BUSINESS INFORMATION
Legal Name of Business:
DBA Name (if different than above):
Physical Address of Business:
(If multiple locations, please list all location addresses and telephone numbers on an additional page)
Phone Number of Business: Fax Number of Business
Federal Tax Id Number of Business: Date of Business Started
State Business Incorporated in: How many employees
Visa/MasterCard Sales Volume/ Month Average Transaction:
Existing Amex Account Number E-mail Address
SIGNERS PERSONAL INFORMATION
Signers Name Title
Home Address
Home Phone Number Hand Phone Number
Social Security Number Date of Birth
Driver License Issued State
Monthly statement to be sent to Business Outlet, Corporate Office, or Home address (please circle or bold one)
BANK INFORMATION
Name of Bank Phone Number
Routing Number Account Number
Bank Address
Please Attach A Copy Of Void Check With This Form
EQUIPMENT INFORMATION
Name of Model Equipment Type
Quantity of
Customer Owned
New Order
Quantity Unit Price Total
Note



Clearent Application Data Inquiry

Thanks for Application. Bellow information is required to open the new merchant account
Please fill out and mailto: Jlee@Clearent.com or Fax:718.661.0014 Question 917-930-3945


A FASER BETTER GROWTH WITH YOUR GREAT PROFITS ON CARD SERVICES
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Ask About
Merchant Services
James Lee M. 917.930.3945
AplusPayments@gmail.com
http://b2breferral.wix.com/home