Smart Business for eGeneration Companies Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

PaY by PiN: The Smart Solution Delivers a smart, alternative on-line payment method Helps partners get fund quicker, no bounce check cost Provides consumers with a fast, easy to use, secure on-line payment and transfer of funds mechanism Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

PaY by PiN: Partner Solutions eCheck: No sign up or credit card required PaY by PiN: Simple, one time account sign-up, use it forever Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

How it work s PaY by PiN eCheck Service Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

PaY by PiN eCheck Interface Enter Driver License and click Submit. If the customer previously has used eCheck before, then their information will be pre-populated on the next page. If you have question or comment please click on the Inquiry button and submit to our support team. Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

PaY by PiN eCheck Interface Read Instructions and Notify the customer re: items 1-3 Make sure customer has enough money in their account or an NSF fee of $15 will apply. Max. order amount is $9,999.99 The account number is the most difficult number to get from the check book. Always request they get Acct. number from their bank statement. Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

PaY by PiN eCheck Interface Cont. Please Read Terms & Conditions to customer Check box and click Submit Please note: the transaction has not yet recorded If your computer crashes or shuts down, you must restart the form from the beginning.

PaY by PiN eCheck Interface Cont. Please make sure that the Routing and Account No. are correct. The transaction will be delayed if there is any incorrect Acct. information.

PaY by PiN eCheck Interface Cont. Please confirm this information with customer. This will insure the process will go smoothly. This is your last chance to make changes. Confirm Terms & Conditions and Click “Accept” or “Update Information” After you click “Accept & Continue” you cannot go back. If there is a problem please let us know thru the inquiry form.

PaY by PiN eCheck Interface Cont. You have completed the eCheck process. Click “New Transaction” or “Logout”. You cannot go back and make changes. If you have made a mistake you must advise your supervisor or contact PaY by PiN via the inquiry form.

How it work s PaY by PiN Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

Consumer Sign-up Consumer goes to paybypin.com to fill out the email verification form Consumer logs into paybypin site and continues the signup process Consumer fills out personal, financial and shipping information Consumer answers identity verification questionnaire Consumer selects their user ID and PIN If the consumer responds correctly their account is activated If not, a PaY by PiN customer service manager will call and verify all account information before activating Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

Consumer fills out email verification Consumer visits paybypin.com Consumer checks email and clicks on the link to login to paybypin site and Continue the sign-up process If consumer passes the Questionnaire, their account will automatically activate. Otherwise a PaY by PiN customer service manager will call and verify information again. Consumer will need to answer Identity questionnaire. This Questionnaire is designed to detect Fraud before it becomes a problem Consumer creates own user ID and PIN

Consumer Benefits Consumer Benefits PaY by PiN is the Fast, Free and Secure way for consumers to do Internet fund transfers. It’s simple and easy to use. Consumers pay partner directly from their checking or savings account. No lengthy forms to fill. Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

Benefits to Business Partners PaY by PiNs’ patent-pending technology is fast, easy, secure and enables transactions that are free to consumers while providing a significant cost savings for PaY by PiN business partners. Whether your business is offline or online, large or small, doing Internet transactions or providing B2B services and products, PaY by PiN can save you time and save you money. Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

Benefits to Business Partners continued Benefits to Business Partners Fast, easy & free setup. No software purchase required. Low transaction fees. No annual or monthly fees. Automatically deposits to Business Partners’ bank account. Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

Smart Business for eGeneration Companies Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved