1. PAYMU SOLUTION WALLET PROGRAM www.paymusolution.jimdo.com

2. Introduction: A virtual wallet is defined as an independent point loading system which allows a costumer to swap credits, currencies or other payment tools into points which can be used to purchase goods and services on the web. Currently there are several wallets like systems in the world, serving a great deal of sites and businesses worldwide. (e.g. paypal, egold, netteller, mooneybokers, and many more.) www.paymusolution.jimdo.com

3. Advantages Merchants o Independent costumer's management support: Allows the merchant to manage the costumer's, points, add bonuses, and refund points in case of need. o Expand to non related sites for services/products, under regulation compliancy (MCC) o Easily provide a powerful platform for costumer's loads and recurrence of transactions (reloads) o Track and label customers according to loyalty, verification and good standing. o Pay-out possibility for your affiliate partners. www.paymusolution.jimdo.com

4. Advantages Customers o Do not disclose your Credit Card details to an unknown site. o Maintain privacy o Manage your own points according to your needs. o Load your points via independent methods. o Accept points from another member. o Cash out (upon request). www.paymusolution.jimdo.com

5. Wallet should be promoted as an Alternative Payment solution,and not directly under Visa and MasterCard Logos.  The sole service or good being sold at the wallet is: Points or loyalty points, and no wallet should be related to any particular industry.  The Points should not be related to any currency instead should be multiply by a factor (e.g. 100$= 200 points) Marketing and promotional guidelines www.paymusolution.jimdo.com

6. HOW DOES IT WORK? Customer experience:  Customer opens a free account.  Customer loads its points via preferred method (Visa, MasterCard, check21, and other available systems).  The load is converted to points.  Points are available and to the disposal of the customer to transfer to a merchant's site www.paymusolution.jimdo.com

7. Merchant experience:  Merchant integrates either to the wallet system API or opens Merchant's account within the wallet  If API, customer inputs the relevant data and amount of points into the site payment page.  If Merchant account within the wallet, Costumer transfers points into the account both merchant and customer receive notification of the transfer. HOW DOES IT WORK? www.paymusolution.jimdo.com

8. CARD HOLDER FREE ACCOUNT ACCOUNT POINS TRANSFER SITE INPUT ACCOUNT INTERNAL MERCHANT HOW DOES IT WORK? www.paymusolution.jimdo.com

9. Q: Which amounts are settled to the merchant? A: The amount the cardholder has loaded with his/her credit card. Q: Can I refund directly to the Cardholder? A: Yes, you can refund directly. Moreover you can transfer the points back to the customer account and have him or her to request the refund. Q: Can the points be used to another other than mine? A: Yes, but make sure to report the affiliation to the relevant parties. FAQ www.paymusolution.jimdo.com

10. FAQ Q: Can I Use other merchant accounts? A: Yes, these will require a customized integration and pricing is not included. Q: Can a customer account be used by other people? A: No Q: Can I get my own descriptor? A: Yes, but must be related to the wallet name and wallet customer support number www.paymusolution.jimdo.com

11. Presented project as well as all included informations are confidential and to be used only for the purposes for which it has been supplied and information contained in it must not be disclosed or in any other way made available, in whole or in part, to third parties other than those contracted with PAYMU SOLUTION without the prior approval of PS. www.paymusolution.jimdo.com

12. Presented project as well as all included informations are confidential and to be used only for the purposes for which it has been supplied and information contained in it must not be disclosed or in any other way made available, in whole or in part, to third parties other than those contracted with PAYMU SOLUTION without the prior approval of PS. www.paymusolution.jimdo.com