1. Britannia/NET1 Web Seminar 2007 Presented By: NET1 Payment Solutions Presenter: Brian Morabito

2. Introduction to the NET1 Family Karen Schlotterbeck - Support and Marketing - karen@net1creditcard.com karen@net1creditcard.com - 301-223-1856 phone - 432-225-5948 fax Brian Morabito - Sales and Support - brian@net1creditcard.com brian@net1creditcard.com - 800-718-8005 phone - 571-262-2276 fax

3. Today’s Presentation Britannia Program & Pricing Incentives Level II and Level III Processing Options Examine the Processing Options Terminals –vs.– Software Terminals –vs.– Software NET1 Services Tidbits on Fraud Questions & Answers

4. Interchange Fees Referred to Discount Fee Percentage Most Expensive Component of Total Merchant Processing Cost for a Transaction Priced on Actuarial Risk Models Fall and Spring - these are the 2 times a year the fees can be increased by MasterCard and Visa.

5. What does Level II and Level III mean? Level II and Level III is the enhanced data that is sent with the transaction at settlement The following cards can process Level II and Level III data - Business Cards -Corporate Cards -Purchase Cards If Level II/III data is passed you could qualify for a lower rate on the sale

6. What is Level II Data? Level II Data Requirements - Tax Amount (must be (must be between.01% and 22% of the transaction amount) - Customer Code for Purchase Cards only

7. What is Level III Data? Level III Data Minimum Requirements - Discount Amount - Freight/Shipping Amount - Duty Amount - Item Commodity Code - Item Descriptor - Product Code - Quantity - Unit of Measure - Unit Cost - Discount per Line Item and Line Item Total

8. Most Advantageous Business Incentives Large Ticket Transaction Defined as Over $8,750 for VISA & $3,500 for MasterCard Enhanced Level II Data including: -Customer Number -Invoice Number -Tax Amount Enhanced Level III -Addition of Line Item Detail

9. Options Available Payment Terminals : - VeriFone, HyperCom, Nurit Necessary at the Point of Sale Many Limitations - Manual Entries “Downgrade” -Not Integrated with Skipjack and Britannia -Difficult to Enter Enhanced Data

10. Solutions Available Payment Software Services - 3 rd party software – Auth.net and Quick Books Skipjack/Britannia Integrated Credit Card Module - process over the internet opposed to a phone line which is less time consuming - Information is transmitted back to accounting software to eliminate the need to re-key - Credit card information is stored on the Britannia server and not on the internet. - Integrated to Provide Enhanced Data that Allows for Special Program Pricing with a Preferred Payment Vendor NET1 Payment Solutions

11. What you need to know about Fraud Know your client base and how they order. In 2005, the ecommerce industry's Fraud Loss was $2.8 Billion. Keeping the tips we suggest does not guarantee a sale is not fraudulent, but it will deter fraudsters from targeting your business.

12. Potential Signs of Card Not Present Fraud First-time shopper Larger than normal orders Shipping to an international address Transactions with similar account numbers Shipping to a single address but multiple cards are used For online transactions - multiple cards used from a single IP address

13. Fraud Prevention Tools AVS VbV - Verified by Visa http://usa.visa.com/merchants/risk_management/v bv.html?it=c|/merchants/risk_management/card_n ot_present.html|%u201CVerified%20by%20Visa% u201D http://usa.visa.com/merchants/risk_management/v bv.html?it=c|/merchants/risk_management/card_n ot_present.html|%u201CVerified%20by%20Visa% u201D http://usa.visa.com/merchants/risk_management/v bv.html?it=c|/merchants/risk_management/card_n ot_present.html|%u201CVerified%20by%20Visa% u201D MasterCard Secure Code http://www.mastercard.com/us/merchant/security/ what_can_do/SecureCode/index.html http://www.mastercard.com/us/merchant/security/ what_can_do/SecureCode/index.html http://www.mastercard.com/us/merchant/security/ what_can_do/SecureCode/index.html

14. Questions & Answers

15. Program Highlights

16. Bankcard Processing 60 “Commitment Free” Review Free comparison (analysis) of your current cost vs. the “preferred” program rates Special Pricing for Business Transactions Large Ticket Incentives Level III Capability And best of all….No hassles! *** UNTIL October 15 th 2007 – ANY NEW ACCOUNT SIGNED AND APPROVED WILL RECEIVE 6 MONTHS OF STATEMENT FEES FREE*** Please Contact Brian Morabito for Further Information 571-262-2239 phone brian@net1creditcard.com