1. Driving New Opportunities for Credit Suisse Bank
Page 1 1

2. Agenda Meet SafetyPay SafetyPay’s Unique Offering
Value proposition to the banks
Next Steps 2

3. The change in the payment industry
The world’s economy is undergoing a great restructuring and the payments business is at the helm
Customer centric changes have led to recent regulatory adjustments and market shifts in the payments space
Traditional modes of payment – credit cards, debit cards, checking – are feeling the heat
Non-traditional payment methods and disruptive innovation are leading to a rise in mobile and contactless payments
More regulations in the card industries are in place 3

4. SafetyPay positioning
Bank Positioning Video 4

5. Key facts
A global solution with a presence in the U.S., Latin America and Europe…and growing
Fraud-less payments, no charge-backs for merchants
A new source of revenue for banks
Attraction of information-security conscious consumers to merchant sites
Connecting over 250 million potential consumers (and growing) 5

6. SafetyPay core elements
It is an innovative payment solution that connects banks, merchants and international consumers through creative innovation and technology
It is not just another alternative payment system, it is a premium product that helps merchants boost their international sales based on three core elements:
Safe and Secure Payment method (no need for financial information disclosure)
Extraordinary Customer Service (we handle all customer claims, chargeback, etc.)
Marketing platform (access to create promotional campaigns in need markets towards the bank customers at very low cost) 6

7. SafetyPay target audience
SafetyPay addresses a very well defined and differentiated target audience that merchants are not being able to target nowadays:
International customers whose cards are rejected
Customers afraid to use credit cards for fear of fraud and identity theft
Customers without credit cards
- Geographical distribution of afraid customers -
- Penetration rate of Credit Cards -
Up to 60% of Internet Users do not purchase online for lack of Payment product to overcome one or more of these issues
(In millions) 7

8. Our global presence 8

9. SafetyPay Compliance Contributions - US
SafetyPay is registered as a Money Services Business (MSB) with the U.S. Department of the Treasury.
Registered with Financial Crimes Enforcement Network (FinCEN)
Licensed Authorized Funds Transmitter and Foreign Currency Exchanger – State of Florida and Delaware – In Process Licenses in California, Texas and New York
Developed an Anti-Money Laundering (AML) policy and compliance program
Enforce required rules and laws of the Office of Foreign Assets Control (OFAC) and the USA Patriot Act 9

10. SafetyPay Compliance Contributions - Europe
Awarded Payment Service Directive License which allows SafetyPay to do business in the European Union 27 country area
The PSD License is a European wide requirement to promote transparent cross-border payments as simple, efficient and secure.
The process is lengthy, approximately 9-12 months. SafetyPay is the first company to obtain the license in Spain and the company had adhere to a vast array of compliance regulations set forth by the PSD in order to ensure secure transactions.
SafetyPay is now a regulated company under the European Union rules and to open branches has first to notify the financial authority. It has now open branches in the United Kingdom, Germany, Spain and Austria. New branches will be open in other EU countries. 10

11. How it works
“Buying Process” Demo 11

12. Some of our bank partners
We are currently working with some of the most prestigious banks
Our merchants have access to over 250 million customers 12

13. Some of our merchant partners
Some of the most recognized brands have already joint the SafetyPay family 13

14. Incremental customers and revenue Quick customer adoption
Why merchants like SafetyPay
Over 250 million customers from international banks that have no other way of shopping from you because their card is not accepted overseas or they do not have one
Bank customers not shopping online for fear of fraud and identity theft or do not want to use credit cards
Each added bank immediately adds millions of new customers
Incremental customers and revenue
An innovative, risk-free online payment solution (no fraud provisions, no chargeback’s)
Immediate global exposure and presence through marketing at no cost facilitated by SafetyPay
Low cost promotions communicated to millions of banking customers through partnered bank channels
Lower cost and reserve
Customer confidence to shop from their trusted bank environment
No hassle or internet uncertainty
No customer enrollment or registration required for customers’ privacy
No customer fees
Easy use as customers are familiar with their online bank
Quick customer adoption 14

15. Additional merchant benefits
SafetyPay facilitates a substantial reduction in operating costs** *
Lower Operating Costs
Savings through SafetyPay
Billing Level
Card
(4.26)
(2.2)
Savings Alone
$25 Million $50 Million $100 Million
1,065,000 2,130,000 4,260,000
$515, $1,030, ,060,000
US Dollars
550,000 1,100,000 2,
4.26%
.9%
.3%
2.2%
.8%
.06%
**Depending on size and industry, there might be other charges (transaction fees, processing fees, chargeback fees, etc.). SafetyPay does not charge any of these fees.
* Based on a real example developed jointly with an airline company 15

16. We drive marketing programs
11/16/10
We drive marketing programs
VIDEOS
FLYERS
COUNTRY SITES
WEB PRESENCE 16 16

17. Our “X-clusive promos” program
11/16/10
Our “X-clusive promos” program
Our X-clusive Promos on-line portal connects bank customers with SafetyPay‘s merchants exclusive promotions to generate additional transactions
Current on-line bank customers: Increase transactions (more revenue for the bank)
Current non-on-line bank customers: Move to online world
Current non-bank customers: Win them through the access to exclusive promotions
Dynamic Banner
With the bank’s logo to generate attraction also among non-clients
Merchant Promotions
Exclusive promotions for the bank on-line customers to increase transaction rate
List
Bank clients subscribe and receive updates and special merchant offers directly in her without the need to connect to the X-clusive Promos webpage (increase of transaction rate) 17 17

18. Our product range
We have created a broad range adapted to the different markets we are in

19. Our product range – Mobile
No separate integration required
SafetyPay Express pages (for bank and currency selection) are specifically rendered for Smartphone screens
Supporting all major Smartphone operating systems
Merchants
Banks
Online & Mobile Shop S a f e t y P
Direct Mobile Payment
Retail Shop (Shopper request)
Default Mobile Payment
Retail Shop (Merchant request)
Contactless Mobile Payment

20. Partner integration
SafetyPay Integration with Partners uses standard communication technologies such as TCP/IP, SSL, VPN and SFTP.
REAL TIME (using Web Services)
Sales Process, where merchants request payment information from SafetyPay and show it to shoppers to checkout.
Payment Process, where banks notify SafetyPay and then SafetyPay notifies merchants when a payment has been completed and funds are secured.
BATCH (using Secure FTP)
Settlement Processes, where we transfer money to merchants and commissions to banks.
Refunds/Claims/Adjustments Processes, where merchants or shoppers request to return money through SafetyPay.
Reconciliation Process, where SafetyPay and Partners reconcile all operations.

21. Banking value proposition
Generate new revenues with existing resources or minimum incremental cost
Provide innovative online solution for specific segments of bank customers
Expand relationship of existing customers, thereby increasing loyalty
Ensure confidentiality of customer’s financial and private data 21

22. Banking value proposition22

23. Benefits for the banks
Incremental fee based revenue stream, without investments in technology or network
Innovative service for bank customers
Opportunity to differentiate (bank account opens the “world”)
Convert clients to the online banking platform
Merchants – domestic and international (SafetyPay’s)
Compete directly with alternative payments (such as PayPal) who are taking business away from banks
Increase customer loyalty 23

24. New revenue stream for the bank
P&L Simulation
Assumptions:
200,000 online clients, increasing at a rate of 10% per year
Initially 20% of the online clients will use SafetyPay, increasing 5% yearly
Average ticket value is $200, increasing by roughly 10% every year (in Peru it was $150 in the first year)
Average number of purchases per year is initially set at 4, increasing to 5 on the second year (in Peru it was 6/year, in Mexico it was 5/year) 24

25. SafetyPay Value Added to All Participants25

26. Next steps NDA agreement Contract signing Integration
Initial Meeting with Marketing Project Team
Launch Marketing Campaign 26

27. Thank you 27