Subject: Elan Merchant Services Program Update and Pricing Changes

Elan is pleased to announce updated pricing and enhancements to our Electronic Gift Card (EGC) as well as several other important updates.

* EGC - a new second pricing option for the Standard Program and a newly formed specialized group to handle the end-to-end boarding process.

* Level lll Processing - re-launching our ability to process Level lll transactions for businesses using purchasing cards.

* Lipman 2085 NOS Upgrade - Merchants using the terminal for PIN debit transactions will need to upgrade the terminal using an external pin pad. The cost for the upgrade is increasing from $75 to $150.

* Prohibited and Restricted Merchant Changes - additional merchant categories have been added to the list.

A detailed bulletin describing the above changes can be accessed by clicking here.

Click on Elan Merchant Services. Enter your user name and password on the Nova Bank Support Info. Center. Click on Elan Merchant Services, then Elan Traditional Banks, then Bulletins/Communications.

You may also manually go to elanfinancialservices.com, choose Client Access, then Financial Institution Log In and follow the above process.

Sincerely,

Elan Financial Services


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Elan Financial Services
777 East Wisconsin Avenue
Milwaukee, WI 53202