Merchant Service Group LLC is proud to offer a Gift and Loyalty Program that lets merchants compete with Fortune 500 retailers. The Gift and Loyalty Program replaces "paper" gift certificates with a plastic reloadable gift card that looks and operates like a private-labeled credit card. These gift cards may be designed with the retailer's name and custom logo. This will promote brand awareness as well as build a stronger merchant-customer relationship.

• Never give cash back again!
• Increase purchase frequency
• Average 3-month float of funds
• Online reporting
• Improve company image
• Increase bottom line
Capture customer profile

• Eliminate fraud & theft issues
• Creates destination vs. impulse purchases
• Increase average purchase
• Reward loyal patrons
• Track purchase behavior

Tower Group, a leading research firm specializing in the financial services industry, says it expects gift cards to be a "major hit" again this holiday season.

Combined gift card sales in the U.S. will exceed US$80 billion in 2006 - a more than 20% increase over 2005 - with the breakdown by segment as follows: Retail, $29 billion; Restaurant/Fast Food, $18 billion; Miscellaneous (gas, services, etc.), $12 billion, Universally accepted (i.e., bank-issued), $23 billion. By 2007, sales are predicted to reach $85 billion.