1. Braintree Communications ISDN: A strategic network solution for retail business

2. Dedicated transaction network services  EFTPOS over ISDN offers enhanced services at the point of sale  Strategic platform for value-added services  Support for multiple transaction applications  Integrated communications connection for the merchant

3. D-channel applications  ISDN D-channel supports short duration transactions such as EFT payments (debit/credit) at point-of-sale Can extend to other point-of-sale applications, e.g.  loyalty programs  inventory control  sales data tracking  electronic ticketing

4. B-channel applications  B-channel used for data-intensive applications, e.g. high speed Internet access web-based customer applications VPN access corporate email WAN services supply chain management data download to merchant terminal

5. Merchant Connectivity  Value of utilising one access for all applications rather than multiple, individual PSTN lines  Improve merchants’ ability to leverage an integrated solution through Braintree’s Network Gateway

6. Braintree’ Network Gateway  Enables merchants to maximise value by utilising ISDN for additional applications  Features include: 2 phone ports (supports up to 4 lines) serial port (PC / internet connectivity) digital or analogue EFTPOS port USB port (alternative internet connectivity) LAN port

7. Benefits  Flexibility of Access methods for merchants and banks  Increased grade of service  Value of integrated solution  Future proof  Enables bank to sell increased value

8. The current retail environment (stakeholder wants) The End Users Perspective  Customers  expect fast reliable service  are seeking extra value-adding services from retailers  Retailer/franchisee  want to reduce costs  need to stay competitive by spending more time servicing customer needs

9. The current retail environment (stakeholder wants) Service Provider (e.g. Banks/financial institutions)  Access to new market segments  Services bundling opportunities Telco/Carrier  more manageable and cost-effective network  reduce customer churn

10. The strategic network solution: ISDN  Integrated network solution  EFT transactions, voice, fax and data  Secure transaction management  multiple application support  Fast dependable service  Flexible ownership model  Cost effective solution

11. Typical retail environment DDN PSTN Leased Line

12. Braintree integrated solution ISDN  ISDN can provide a secure platform for multiple transactions to multiple hosts EFTPOS Loyalty Security Ticketing Sales data Inventory

14. The What’s in for me test!  Customers Faster transaction speed Reduce time wasting  Retailer Faster more reliable service Cost-effective integrated solution Access to new services Flexible and customizable ownership options Extended life from legacy equipment Plug and play technology

15. The What’s in for me test!  Service provider Value-added solution Access to new market segments Services bundling opportunities  Telco/carrier Remote management and self installation Access to new market segments Reduce customer churn Reduce technician truck rolls

16. Australian Case Study EFTPOS over ISDN  OnRamp ISDN access  fast data transfer  rapid call set-up  EFTPOS over ISDN – offered through Telstra’s Argent Service  Highly redundant network architecture  distributed ISDN infrastructure  geographically separate processing sites  multiple cross-connected processing systems  automatic load sharing and traffic routing

17. Flexible ownership options  OnRamp and Argent service owned separately  Merchant typically owns OnRamp service  Argent service may be owned by  the retailer/franchise  the bank  another service provider  Different transactions billed separately  Reverse billing possible on transactions

18. Cost effective solution  Transaction carriage  merchant has visibility of transaction costs  opportunity to negotiate reduced MSF  OnRamp access  lower rental than 2 business phone lines  call costs lower than standard call costs for typical business call

19. In summary... EFTPOS over ISDN delivers  an integrated transaction network  secure multi-application support  fast dependable service  flexible ownership  cost-effective solution