Virtual Point of Sale (VPOS)

E - commerce Dear Valuable Partners, Raiffeisenbank (Bulgaria) EAD has the pleasure to present to your attention a new opportunity for increasing the quality of the services offered to your clients – the internet payments with bank cards via Merchant’s website.

VPOS Overview This presentation will cover: Product information and the Payment Process How Raiffeisenbank (Bulgaria) EAD’s Virtual POS creates value in your business as well as the benefits it provides: Higher Efficiency Novelty Maximum Security Brief section with technical details and functionalities of our product. Contact Details

What is a Virtual Point of Sale Virtual Point of Sale (VPOS) is a secure way for the merchants to receive card payments via their internet sites. Certificate 1 Certificate 3 Certificate 2

New Transaction Structures Value Creation Here is a quick outline of the biggest value creators for your business, which Raiffeisenbank (Bulgaria) EAD’s Virtual POS has to offer. New Transaction Structures New Participants Economies of Scale Simplicity Speed Security

Novelty New transaction structures The highest benefit of this service is the cost effectiveness you receive – a smart and modern way for expanding your business without the need of opening new offices and hiring extra workforce! Here are some ways how Raiffeisenbank (Bulgaria) EAD is going to help You to cut down your expenses: Planning/Consulting - Free Integration/Implementation - Free Monitoring/Logo placement - Free The only charge is a negotiated percentage commission for processed payments

Efficiency Your customers, no matter where they are located, are presented with an alternative way for purchasing goods and payments of services – the virtual terminal is accessible from all over the world, irrespective of the fact whether the bank card is issued in Bulgaria or worldwide The most secure way for internet payments with Borica/Maestro, Visa and MasterCard cards

Efficiency continued The amounts received are settled directly to your account and you are free to operate with them in any convenient way A smart and modern, up-to-date selling method for increasing your sales volume The actual payment process is fast, easy and convenient for your customers (they only need to fill in the four boxes below)

The Cardholder and The National Card Operator’s Payment Server Lock-In Security is the biggest concern of the customers when paying online. Clients are worried about personal and payment details stored at the merchant’s disposal With Raiffeisenbank (Bulgaria) EAD’s VPOS terminal, the connection is only limited to:: The Cardholder and The National Card Operator’s Payment Server It seems to the cardholder that the entire payment process is performed at your web site but at the same time neither you, nor Raiffeisenbank (Bulgaria) EAD have access to any of the customer’s personal and payment details, as they are held only by The National Card Operator.

Functional benefits Accepted Cards: Visa and MasterCard, issued from Bulgarian banks Visa and MasterCard, issued from foreign banks National Debit Cards (BORICA and Maestro) Guarantees for secure payments:

Why Raiffeisenbank (Bulgaria) EAD Raiffeisenbank (Bulgaria) EAD is a market leader in Virtual Electronic Payments We offer 24/7 support, concerning payments with bank cards Technical cooperation during the VPOS module implementation Attractive commissions Positive and highly motivated staff

Our Partners Virtual POS users that have already chosen Raiffeisenbank (Bulgaria) EAD as a provider of the VPOS service are leading companies in the following sectors: Communications Online Retailing Internet providing Auto parts and accessories Education Financial services Tourism Supply chain management Electronics Security

Next steps to be followed… If you, as a Corporate customer, are interested in this service , please don’t hesitate to contact: Iliana Lambreva, Cash Management, Corporate products and business development 02 91 985 185, e-mail: iliana.lambreva@raiffeisen.bg Diana Georggieva, Cash Management, Corporate products and business development 02 91 985 286, e-mail: diana.georggieva@raiffeisen.bg