RiTA Server A New Era in Payment Processing!

2 Mission Statement  To strengthen and defend our position as the trusted worldwide leader of the electronic payment industry, VeriFone will provide proven, high-quality solutions and expertise that drive increased value for our customers.

3 RiTA Developers History  1994: Released PC-Charge™ for Windows  1999: Acquired by Network Commerce (NASDAQ: NWKC)  2000: Released RiTA Server™ Cross Platform Payment Engine  2001: Achieved Sustained Profitability (January)  2001: Acquired by ROI Corporation (ROIE.OB)  2005: Acquired by VeriFone Part of Integrated Solutions Systems

4 A Good Reputation…  Longevity (1991)  Growth (25% per year)  Profitability (as of 2001)  VeriFone is a sought after partner (>150,000 Installed) Market leader in deployments Leader in TCP/IP connectivity over public Internet Leader in gift/loyalty connectivity Dominant market share in IBM iSeries Hundreds of successful installs in tier-one and tier-two companies

5 Customer Sampling

6 Solutions At A Glance PC-basedMiddlewareWeb-based PCCharge  Windows-based market leader  Stand-alone (GUI) or Integrated Licensed Product  Small to mid-sized businesses  Retail, MOTO, eCommerce, restaurant, QSR  IP or dial connectivity  Security assessment completed by Ambiron in 2004  PCCharge products include Pro, Express, and Payment Server RiTA Server  Java-based  Highly scaleable (multi- threaded)  Enterprise-level solution  Windows, UNIX/Linux, AS/400 and more  Retail, eCommerce, MOTO, Restaurant, QSR  Credit, Debit, Gift, P-Card II/III  IP connectivity  Visa PABP validated (Payment Application Best Practices) IPCharge - New!  Hosted payment service  Virtual terminal  Retail, eCommerce, MOTO  Dial, IP, or wireless connectivity  Low up-front cost, monthly billing  Recurring revenue source for resellers  Reseller console gives resellers tools to manage their business  Visa CISP compliant

7 RiTA Server  A new era in payment processing!

8 RiTA Server  What is RiTA? RiTA is a middleware product for custom integration Cross-platform capability Supports multiple databases Operates on any hardware Multi-threaded Handles unlimited merchant IDs Unlimited users Multiple communication types to processors

9 RiTA Server  Why use RiTA? POS developers can easily integrate order entry/accounting systems and continue to use existing database structures. Various service providers can offer credit card processing to existing customers. Mid-Level to enterprise companies can integrate into existing legacy systems without a large system overhaul. Any entity doing high volumes of transactions and who wants large throughput!

10 Make Money Move  Flexibility Accepts all major credit cards, debit cards, purchasing cards (levels II & III) checks, stored value cards, and EBT Real time or batch processing Supports card readers for face-to-face transactions Scalable to accommodate high levels of growth and activity Certified with the major processing networks Supports all transaction types : face-to-face, MOTO (card not present), and e-Commerce

11 Make Money Move Securely  Security Compliance with Visa U.S.A. PABP (Payment Application Best Practices) requirements Sun JCE encryption for data storage CVV2/CVC2/CID reduces fraud by as much as 26% AVS (Address Verification Services) reduces fraud and keeps you compliant in order to receive the lowest rates for processing ECI (Electronic Commerce Indicator) meets up to date compliance standards for Visa and MasterCard Multi-tiered permissions for users Luhn algorithm for validating card numbers SSL connectivity for processing over the public internet Point-to-point connectivity to processing network

12 System Requirements  A merchant account with a RiTA-certified processor  A server running Java Virtual Machine v1.4 or higher  Connectivity to a SQL compliant database via JDBC  Upon purchase, additional platform specific requirements will also be provided.

13 Benchmarks  Captured Transactions seconds seconds 100 seconds seconds  Settled Transactions 1 seconds seconds seconds seconds  Benchmarks taken from RiTA ST v3.0 running on Windows 2003 Server Standard Edition, MS SQL 2000, 2Gb RAM, connecting to VITAL processing network with a single thread per transaction.

14 Sample Configuration #1

15 Sample Configuration #2

16 Support and Resources  Support Included with RiTA Server 24x7 support from our Advanced Product Support Group Literature Manuals Support Sales Support Free updates  Optional Support Installation Support – Onsite installation for 2 days. Support must be scheduled at least 2 weeks in advance and does not include any coding.

17 A Reliable Partner  Payment processing at its best!  Leading edge products  Individual service  Secure solutions  Personal attention

18 Questions?

19 Thank You!