debit & card: http://en.unionpay.com UnionPay As the Association in China, headquartered in , China UnionPay operates the national inter- and settlement system. It develops the worldwide UnionPay Card acceptance network, promotes the issuance and usage of the UnionPay Card as well as other innovative solutions, so as to provide quality, efficient and safe payment services to cardholders. To date, the total number of the UnionPay Card issued both in China and aboard has exceeded 2.5 billion. The UnionPay network has been extended to all the cities and rural areas in China. In addition, China UnionPay has enabled the UnionPay Card acceptance over 120 countries and regions through extensive cooperation with over 400 financial institutions around the world.

Merchants enjoy several benefits and sales opportunities in participating with UnionPay Card Payment Acceptance at their locations. Additional information can be found at http://en.unionpay.com/comInstr/list_comInstr.html

Benefits Sales Opportunities For Merchants: • Improve your bottom line by lowering the cost to accept UnionPay • Large potential markets for with over 2.5 billion Cards versus Visa, MasterCard and AMEX; UnionPay cards that were issued in China & around the world; • Capture business opportunities to increase Sales of Luxury • UnionPay Card acceptance network spans across all cities in products & services desired by the Chinese visitors & residents; China and it extends over 120 countries and regions through the • No surcharges, Downgrade or Non-Qualified charges; cooperation of over 400 financial institutions internationally; • No max. limit on purchases from UnionPay holders; • Domestic bankcard transaction volume in China surpassed $15.9 • Security of PIN authorization, more protections & less frauds; trillion CNY (RMB) (2.5 trillion USD). Overseas transaction • PIN Authorization reduces risks & concern of getting . volume reached 75% growth rate annually to $228 billion CNY (RMB). For Card holders: • Worldwide acceptance of the UnionPay debit and credit cards • Worldwide acceptance provides convenient shopping globally; has been established at all participating merchant locations and • More flexibility on purchases without worrying about the ATM / ABM outlets globally, and the numbers are still growing maximum spending limit on UnionPay debit card account; exponentially; • Greater Security and protections with PIN Authorization; • Greater consumer demand in from the Tourists, Business • No Conversion fees or Exchange Mark-up on foreign ; Travellers, New Immigrants, Students and Temporary Workers • UnionPay offer CAD/CNY (RMB) direct exchange rate without USD travelling from Asia; as intermediate ; less cost to currency exchange; • Merchants enjoy the benefit of Sales opportunities from the • Convenient for Parents to oversee & support, sometimes spoil the effect and impact of the marketing campaign and the advertising International Students for the tuition and financial needs abroad, and promotional programs initiated by UnionPay. without incurring the remittance transfer fees.

Demographic Trend Savings Merchants: • Chinese Population highly concentrated in major cities: • One flat rate for all types of UnionPay Card; no additional - Large population of over 530,000 residents live in Metro charges on top of the Discount rate; Toronto area, over 400,000 in Metro Vancouver area, over • Save up to 2% on UnionPay Card transactions with NO 80,000 in Montreal, over 75,000 in Calgary and over 50,000 in surcharges, non-qualified fees or downgrade fees imposed by Edmonton; other Major Credit Cards over and above the Discount rate; • Growing with the number of ADS (Approved Destination • NO International Assessment or Cross Border Status) Tours: Assessment on UnionPay as on any other credit cards; - Canada received the ADS approval from China and the first ADS • Non-Qualified transactions on Visa & MasterCard could cost Tour group arrived Canada in August of 2010; merchant extra 0.5 – 1%, UnionPay doesn’t have such charges; - Annual growth in the number of tourists from China is • Receive as much as 25 - 30% discounts on Visa & MasterCard estimated to be around 20‐50% increase in coming few years; transactions from the competitive rates by EVO Canada*. - Chinese are among the highest spending groups travelling abroad, Luxury Products are in high demand; Cardholders: • Immigration policy changes: • Save 2% or more on foreign exchange mark up imposed by - With new immigration policy changes in Canada, the economy most companies like Visa, MasterCard and Amex; will improve as a large migration of skill immigrants and • Save up to 2% currency conversion fee with direct exchange investment immigrants from China will be landing soon; between CAD/CNY without USD as intermediate currency. - Capital transfer from China to Canada will increase dramatically which directly impact the businesses in Canada. *Complimentary Comparative Statement Analysis of all card brand transactions by EVO.

Enquires: Canadian Group | 1.877.903.1887 | e: [email protected] www.crpg.ca