1. VirtualMerchant Secure Hosted Software Solution

2. Introducing VirtualMerchant  Complete hosted payment solution that instantly transforms PCs into “virtual” payment terminals.  Accept a full range of payment  Process transactions in face-to-face, mail order/telephone order, or e- commerce environments.  Reduce the risks in compliance of card holder data

3. Face-to-Face and/or E-Commerce Support “Virtual Terminal” an easy, economical hosted software solution that lets you use any PC with an Internet connection to efficiently and cost-effectively process payment transactions “Buy Button” efficiently and affordably integrates with a shopping cart to securely process e-commerce transactions

4. Hosted Convenience and Versatility  Fully hosted by Elavon minimizing your security liability and ensuring PCI, CISP and other card association regulations and standards are met – without the need for expensive compliance audits  No hardware specifications, network infrastructure or software installation required. Can be quickly and easily accessed from any Internet enabled PC  Software enhancements and updates are received automatically – no software downloads or installation needed

5. Efficient and Cost Effective  Utilizes your existing hardware and technical infrastructure  Eliminates costly charges for multiple terminals and dedicated telephone line  Less than the cost of a single, average-priced terminal  Supports an unlimited number of users and Merchant ID’s – serving organizations of any size  Connects with a broad range of peripherals, such as card swipes, PIN pads and check imagers for acceptance of virtually all payment types

6. VirtualMerchant Features  Fraud protection through Address Verification Service (AVS) and Card Verification Value (CVV2) – Protects against fraud on non consumer-no-present key-entered transactions  Correlates MO/TO authorizations with settlements – Ensures that cards are not billed until products are shipped, meeting Visa and MasterCard requirements – Eliminates the need to re-key transactions for settlement – Allows transactions to qualify correctly, minimizing interchange expense  Purchasing Card Capability – BIN Level Prompting for Customer Code and Tax Amount (Level II Purchasing Card data)  Processes transactions in as little as three seconds over a high-speed Internet connection

7. VirtualMerchant Features (cont.)  Receipt Customization – Customer receipts can be printed with, user defined fields, custom headers, custom footers, advertisements, etc. – Can be configured to print receipts on traditional “roll” type printer, network printer – Receipts can be delivered electronically through e-mail or can be turned off altogether  Allows storage of recurring and installment payment information – Transactions will be automatically authorized according to the selected billing cycle eliminating the need for manual re-entry of billing information  Multi-entry feature for easy and quick entry of multiple credit or check transactions on one screen  Maintains a detailed record of up to 12 months of transaction activity

8. VirtualMerchant Features (cont.)  Easily configures so that each user only sees or has access only to relevant accounts, transactions, data and reports  Customizable payment screens – Unlimited number and size of User Defined Fields available – Ensures only desired fields are seen, minimizing screen clutter – Field labels and order can be tailored for individual environments to maximize usability – Fields can be made mandatory to help minimize downgrades or ensure User Defined Fields are always provided  Exports common separated value (CSV) data for import into other applications or further analysis, tracking or storage  Supports “Business Rules” for e-commerce environments

9. Payment Types Supported  Credit Card  Electronic Gift Card  PIN-based Debit  Pin-less Debit (E-Commerce merchants)  PIN-based EBT  Point-of-Purchase (POP) Electronic Check Service  Accounts Receivable (ARC) Electronic Check Service  Dynamic Currency Conversion

10. Peripherals Supported by VirtualMerchant  Magnetic Stripe Readers  Printers – All network/parallel Printers – P900/P250 roll Printers  Check Imaging Devices – RDM EC6111f with MSR – MagTek MICRImager MSR  PIN pads – VeriFone PINpad 1000SE – MagTek IntelliPIN with MSR – VeriFone PINpad 5000SC

11. www.myvirtualmerchant.com **To create a Demo login for your MSP Office, please contact your Relationship Manager.

12. Questions?