Products and Services Overview November, 2006

© 2004 Lightbridge, Inc 2 What We Do +Authorize.Net provides an Internet Protocol (IP) payment gateway that enable merchants to authorize, settle and manage credit card and electronic check transactions from… + Web Sites + Retail Stores + Mail Order + Mobile Devices

© 2004 Lightbridge, Inc 3 Company Overview +Over 100,000 Active Merchants +Dominant Gateway in Small & Medium Business market since Acquired by Lightbridge, Inc. (NASDAQ: LTBG), April Burlington, MA Employees +American Fork, Utah Reseller / Channel Management, Business Development, Finance & Inside Sales +Bellevue, Washington Engineering, Operations, Product Management, Marketing & Reseller Support

© 2004 Lightbridge, Inc 4 How it Works

© 2004 Lightbridge, Inc 5 The Payment Gateway of Choice Merchants’ choice: +Secure platform for transaction processing +Compliant with the latest industry standards and regulations Visa CISP Certified & MasterCard SDP (in progress) +Widespread third-party solution support from over 200 leading shopping carts, VARs and software companies +Connected directly to the Chase Paymentech Tampa Processing Platform

© 2004 Lightbridge, Inc 6 The Authorize.Net Package Standard Gateway Features +Merchant Interface +Transaction history +Help guides +Integration specs +Billing details +News updates +Automatic upgrades +AVS & card code filters +Test mode +Virtual Terminal / Batch Upload +MOTO & retail transactions +Multiple Integration Methods +Over 200 shopping carts & software companies Add-On Features +Automated Recurring Billing (ARB) +eCheck.Net +Fraud Detection Suite (FDS) +Cardholder Authentication Programs +Verified by Visa +MasterCard SecureCode

© 2004 Lightbridge, Inc 7 Merchant Interface

© 2004 Lightbridge, Inc 8 Merchant Interface – Virtual Terminal 5 Areas of Virtual Terminal +Order Info +Credit Card Info +Checking Account info +Billing Address Info +Shipping Address Info

© 2004 Lightbridge, Inc 9 Automated Recurring Billing (ARB) +Build CC & eCheck Transaction Volume! +Three easy ways to create a subscription: 1.Merchant Interface 2.Batch upload capability 3.From a previously settled transaction +Multiple recurrence intervals and trial period +Low maintenance + notifications when credit card expires +Activation through the Reseller Interface

© 2004 Lightbridge, Inc 10 eCheck.Net +Accept and Process Electronic Check Transactions +No additional integration necessary +Accept payments over the internet or by phone +Charge for one-time or recurring payments +Collect funds from personal or corporate bank accounts +Merchant must submit separate application +Reconcile eCheck.Net Deposits +Settlement statement with transaction details +Separate reports for Settlement, Billing, Funding Calculation and Risk Reserve activity

© 2004 Lightbridge, Inc 11 Fraud Detection Suite (FDS) +Provides Web merchants with powerful tools to identify, manage and prevent suspicious and potentially costly fraudulent transactions +Easily implemented +Designed with Authorize.Net merchants’ interests in mind +Full setup wizard that walks merchants through tools +Highly effective +Combat two types of fraud: verification and settlement fraud +Overlapping filters/tools to provide extra protection +Customizable rules for merchants specific business needs +Process as normal +Authorize & hold for review +Do not authorize, but hold for review +Decline / Reject

© 2004 Lightbridge, Inc 12 Card Present Services +Eliminates the cost of a dedicated phone line +Alternative to virtual and private data networks +Easy-to-use management and development environments +Short learning curve for fast employee training +Fast transaction speeds +Cost effective

© 2004 Lightbridge, Inc 13 Multi-User Accounts +Coming soon! +Administrative controls for both resellers and merchants +Accessible through both Merchant and Reseller Interfaces +Multiple logins provided by “Account Administrator” +User-friendly controls and functionality +Excellent solution for call centers, Accounting depts., fulfillment houses, etc.

© 2004 Lightbridge, Inc 14 Dedicated Risk Department +Helps Merchants Detect Suspicious Transactions +Proactively monitors transaction activity +Notifies merchants of any suspicious activity identified on their account +Recommends specific steps for tightening security +Helps Merchants Prevent Suspicious Transactions +Educates merchants on the security tools available & “best practices” +Authorize.Net has published a Security “Best Practices” white paper +Abuse Management +Enforces Acceptable Use Guidelines +Monitors and terminates all “adult” merchants on a monthly basis

© 2004 Lightbridge, Inc 15 Security & Risk Management +Address Verification System (AVS) +Verifies card holders address at their issuing bank. +Card Code (CVV2,CVC2,CID) +Three to four digit security code printed on credit cards. +Transaction Key +Unique alphanumeric key used as second layer of identification for merchants when submitting AIM transactions to Authorize.Net. +Credit Restrictions +Only allows credit to be issued against previously settled debit transactions. +CISP Certified +Certified with Visa’s Cardholder Information Security Program +All sensitive information is masked both internally and on all interfaces. +Cardholder Authentication Programs +Verified by Visa & MasterCard Secure Code

© 2004 Lightbridge, Inc 16 Key Selling Points Integration +3rd Party Support +More than 200 integrated partners +Integration Team +Sample Scripts available Stability/Reliability +Redundancy +Increased Capacity +Visa CISP & MasterCard SDP Compliant Support +Unmatched by any competitor! +Large support staff +Phone, and online chat +Hours: 6 am – 6 pm PST, 7x363 Brand Recognition +Widely Recognized and Trusted +Longevity – Established in 1996!

© 2004 Lightbridge, Inc 17 Reseller Pricing Standard Buy Rates $149 One Time Set up Fee $20 Monthly Gateway Fee $0.10 Transaction Fee

© 2004 Lightbridge, Inc 18 For More Information Kevin Piccolo Authorize.Net Reseller (866)

© 2004 Lightbridge, Inc 19