1. THE BLACKBERRY® CREDIT CARD CLEARING SOLUTION

2. eMERIT is a BlackBerry®-based solution that provides a live, 24/7, UK credit card processing solution through a single device. The solution is fully scalable and is available to a single user or a corporate business through a BIS or BES environment. There is no requirement for Merchant Services to be in place already, although this can be discussed if already in place. This can be provided as standard to take any/all card payments, but a bespoke transaction processing module can also be added to allow you to calculate specific payments against your products or services. The solution is completely white-labelled which means that it can have any of your corporate branding applied if that is required. OVERVIEW

3. HOW IT WORKS The application is launched from an icon on the home screen. The current software version installed is shown in the screen corner. 3 items are required for login: User Email Password UserID A ‘Forgotten Password’ function is also available. The registered device IMEI will also be checked. Full name, address and post code details as these will be used for AVS checking against the card that will be used for payment. The email address entered at this stage will be used to send a receipt to the payee giving full details of their card payment immediately upon completion. User enters all card details of the payee. Multiple card types accepted. Option to “Add % Charge” to the cater for banking charges. Funds are checked and user is informed of decision and given basic details regarding the transaction. Email receipt sent to the BlackBerry user AND the end payee.

4. BENEFITS No set up fees No merchant banking details required No additional hardware required Increased revenue Increased productivity Improved cash flow - no more rubber cheques! Reduced cost-to-serve

5. SECURITY Mastercard PTS program Mastercard PTS program approved Secure login: Username Password Unique User ID Each user linked to specific device via IMEI Advanced bank-approved transaction security

6. WHY BLACKBERRY? Incredibly reliable and robust platform Highest levels of mobile security Evaluated & approved by the Government Security Authority, CESG, for use with restricted data Additional benefits include : Mobile email Web Browser Voice Calls Camera Sat Nav (at an additional charge)

7. ACCOUNT MANAGEMENT Quick and easy set up Fully automated All account management available online 8am-8pm telephone and email support

8. COSTS eMERIT License -£19.99 per month, per user. -Commission payable monthly for partner/distributor. Transactional charge -3.5%-5% dependant on transactional volume. BlackBerry ® - Device & contract dependant on service provider charges

9. ANY QUESTIONS???