E COMMERCE GATEWAY PAYMENT SOLUTION

Meet InternetSecure Purchased by Elavon in 2005 Located in Oakville, Ontario CANADA, InternetSecure Important part of the Elavon suite of products. Industry experience combined with superior customer service makes InternetSecure the solution of choice for a merchant’s payment acceptance needs. Learn more about InternetSecure at www.internetsecurehelp.elavon.com

E-Commerce Solutions Now offer two products that are ideal for merchants doing business over the internet Virtual Merchant for merchants needing: Gift Card DCC Check Processing InternetSecure Credit Card Processing Card on File Tokenization 3

InternetSecure – What is it? 4

What is InternetSecure?

Secure eCommerce Payment Gateway Online Payments, Recurring Billing, Tokenization, Pre-Auth, Virtual Terminal Standard Credit/Debit Card Brands Integration Options: Hosted Solution or XML-API Shopping Carts – compatible with most – see list on InternetSecure site for full disclosure

Merchant Website – Integration Options Flexible Integration Options allow businesses to accept payments on their website based on their specific requirements Option 1: Simple HTML Order Form Suitable for merchants with simple product list and/or few options Option 2: Shopping Cart Integration Choose from some of the most popular shopping carts to allow for more robust ordering options. Option 3: Authorize.net Emulation Works with most carts already integrated to Authorize.net Hosted Solution or API Merchant’s can choose the Hosted Solution for the quickest, simplest, most secure integration method or the API for the most customized solution.

InternetSecure – Value to your Merchant Experience – a leader in the industry for 13 years Eliminates costs - (and complexity) of dealing with a 3rd party gateway Free integration, compliance and certification support Faster check out lines - real-time processing - customers complete the checkout in 3-5 seconds Advanced risk management – AVS, CVV2, GEO-IP Filters, MasterCard SecureCode and Verified by Visa 8

InternetSecure – Value to your Merchant Easy to implement - Integrates with popular shopping carts Handholding - end-to-end guidance for merchants Keeps Merchant Compliant - PCI Compliant Data Management - a “merchant area” compliments MerchantConnect provides reporting 9

Value to the Merchant, continued Pre-Auth / Pre-Auth Completion Delayed delivery merchants High risk products (I.e. electronics) where merchant wishes to review transactions before acceptance. Tokenization Store Cardholder Information on InternetSecure Servers PCI / Security – merchant does not store card numbers Card Replacement Value – 16 character Alpha Numeric Can only be used by the Merchant associated with the token – no concern with use of the token by others should the merchant’s database is breached Flexible Options – Ideal for Various Billing Requirements Different amounts or on different days of the month Usage Charges (pay as you go, pay for clicks, etc.) “Remember Me” Convenience Feature for Customers

Tokenization, continued Populate Cardholder Database in Real-time When cardholder data is populated, the merchant receives a Token. Future transactions for that cardholder only require that the Token be passed which replaces all of the cardholder information (card #, expiry date, cardholder name, billing address, email address) Transaction Processing Using the Token Via Batch upload (Merchant’s Area) Via Real Time XML Request Message

Cardholder Token Setup - Online

Additional Features Recurring Billing Initiated by the CARDHOLDER with one transaction from the merchant’s website Single transaction request includes: Process an Initial Payment or Setup Fee (one time) Schedule future payments of a fixed dollar value, at intervals chosen by the merchant (I.e. weekly, monthly, quarterly, etc.) Pre-determined end date or indefinite recurring payments

Cardholder Billing

Real-Time Risk Management and Fraud Detection Verified by Visa and MasterCard Secure Code Easy Integration, no software for merchant to install (many competitors require the installation of an MPI which can be difficult to integrate for some) Visa CVV2, MasterCard CVC2, Amex CID AVS (Address Verification Service) Velocity Control Limit the # of transactions allowed by card number in a 24 hour period (1-99) Negative Lists: Hot email / Hot IP Geo-IP Identification Min/Max Limit the minimum and maximum value per transaction that the merchant is willing to accept as online payment.

Hosted Solution or API – The Choice is Flexible Quickest, simplest, most secure integration method. Order form or shopping cart is hosted by merchant on their own website. Once cardholder is ready to “checkout” and enter payment details, they are presented with a page hosted by InternetSecure where payment card details are collected and processed.

Shopping Cart with items chosen by Cardholder Sample Transaction Merchant’s Website Hosted Solution Shopping Cart with items chosen by Cardholder On Checkout, seamless redirection to IS Gateway

Secure Page Hosted by InternetSecure Solution User Friendly Customization (Merch Logo) Jane Doe User Friendly Customization (Color Scheme, Fonts, etc.) Fisherman’s Cove 123 Any St. Boston MA 81267 USA 867-555-1212 jdoe@hotmail.com

Cardholder Details Entered on IS Hosted Secure Page Solution US Dollar Total Cardholder Details Entered on IS Hosted Secure Page 4500586494120568 02 10 180

Hosted Solution If cardholder’s issuing bank participates in 3D Secure, Cardholder is prompted to enter password 450000000000000 02 10 180

Walleye Direct. Hosted Solution Cardholder is Presented with an On-screen Receipt and email copy (optional)

Hosted Solution or API – The Choice is Flexible API Solution (XML) Most customizable integration method. Order form or shopping cart is hosted by merchant on their own website. Once cardholder is ready to “checkout” and enter payment details, they remain on a secure page hosted by the merchant where payment card details are collected and processed. (SSL Certificate required)

Merchant’s Website

Merchant’s Website

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What’s In It For Me? 27

Value to the Representative Saves you time - Merchants receive help directly from InternetSecure to develop and implement their web sites Affordable and NO Transaction Fees and No Upfront Costs - easy to sell and with all of the concern over security gives the merchant a high level of comfort

Value to the Representative No Pends due to documentation - Website does not have to meet the website requirements prior to Underwriting. Although all items on checklist must be completed Merchant will work directly with InternetSecure to complete Internet Account Requirments Not Completed by Rep

Sales Approach and Decision Tree

Resources and Launch Date Launch Date is February 18th, 2010 Additional information can be located on the MSP Infocenter using key words internet secure. A link to the Help Library on the InternetSecure (www.internetsecurehelp.elavon.com) site has been provided Questions about any of the functionality, resources, contact numbers, etc can be found in this Library Go out and explore Online Technical Documentation: https://www.internetsecure.com/merchants/showPage.asp?page=CIMA

Questions & Thank You