2. What is Orbital? Our proprietary suite of e-commerce payment solutions Opens the door to easier internet payment card processing support and service Available solutions include: –Virtual Terminal –Payment Gateway

3. Merchant Web Hosting Service Payment Gateway Service Payment Processor Merchant Acquirer Contract & Fees Transaction Processing Service Contract & Fees Merchant Has Three Relationships Dependent on Three to Four Vendors Contract & Fees The Traditional Model

4. Merchant Web Hosting Service Payment Gateway Service Payment Processor Merchant Acquirer Contract & Fees Merchant Has At Most Two Relationships Dependent on One to Two Vendors Contract & Fees The Paymentech Model

5. True “One Stop” Service Complete Merchant Acquiring Services Transactions Process Direct From Merchant to Paymentech Paymentech Features Fully Available Single Point of Reconciliation No Added Vendor Relationships No Added Technical Interface & Support

6. Interface Options Orbital has two Processing options: Virtual Terminal – Manual Web-Based Tool Manual Entry SSL over HTTPS Gateway – Automated Programmatic Processing [On- Line] XML Messages HTTPS All Part of the same system. They can be used Independently or together 2 – 3 Second Response Time

7. What is the Virtual Terminal? A web-based application that functions as a physical POS terminal for Card Not Present transactions Accessed via a Web browser and Internet connection; Secure log-on provided Eliminates the needs for additional hardware and dedicated phone lines Provides Direct Connection to PNS

8. Virtual Terminal For “key entered” or “card absent” single purchase transactions –MOTO, Recurring, and e-Commerce Supports the full range of needs: –Authorization Only –Authorization and Capture –Refunds and Voids Supports extended order data as needed for tracking and reconciliation

9. Virtual Terminal Features Login - Provided At Set-Up Retains transaction history [6 prior + current month] Merchants Access Anywhere and Any Time Look Up Transaction Details [Open Items or Settled Items] Initiate New Orders Make Adjustments Issue Refunds Login “Privileges” Configurable – Auth Only, Refunds Only, etc Duplicate warning if a transaction matches a previous one in the same day Features coming soon –VT User Tracking –Enhanced search parameters –Quick Refund [The ability to generate a refund from a previous sale item]

11. Virtual Terminal Demo Real Time Demo including: Process Transactions View open batch Settle batch Review History

12. Log on to the Demonstration at Https://ecomvar.Paymentech.Net/manager Using the Following Log on Information. Group: 700000001700 (7 - Seven 0’s - 1- 7 - Two 0’s) Username: SALESDEMOID Password: Demopassword01 Please Note That the Username and Password Are NOT Case-sensitive. Virtual Terminal Demo

13. What is the Payment Gateway? Paymentech’s proprietary payment gateway for Internet merchants (key-entered or CNP) Delivers secure online transaction processing in a true “one-stop-shop” environment Enables payment processing for the range of most basic storefronts to more highly integrated commerce systems Backed by 24/7 technical support and the redundancy and reliability of our PNS system

14. Gateway Interfaces and Integration Options XML Interface SDK (Software Development Kits) Payment Modules VAR Software Virtual Terminal

15. Transaction Process “Host” Based System –Authorization Data Retained By Host –Supports both Fulfillment models  Future Fulfillment Models  Auth followed by a Capture request at time of Shipment  Supports all Future Fulfillment needs - Backorders, Split Shipments, Partials, Reversals, etc  Immediate Fulfillment Models  Single Auth Capture Message “Captured” Items Are “Batched” For Settlement –Batches Remain In Gateway Until “Closed”

16. FIREWALLFIREWALL Gateway 1 PNS Tandem Internet Any CNP Merchants Gateway Topography

17. Supported Card Types Visa MasterCard American Express Diners Discover JCB Purchasing Card (Level II)

18. Orbital Features and Functionality Supports a full range of functions including: –Auth Only –Auth & Capture –Force and Prior Auths –Refunds & Voids

19. Orbital Features and Functionality Facilitates management of: –Split Shipments –Back Orders –Reversals

20. Orbital Features and Functionality Offers option of Auto or Manual close Provides industry standard fraud protection including AVS, CID, CVV2, CVC Supports advanced transaction security via user-defined access and SSL protocol

21. Orbital Functionality & Reporting Delivers comprehensive online transaction reporting Transaction Security Network Security

22. The functionality is a mechanism wherein a customer can store their customers credit information on the Gateway. This includes: Customer Name Address Card Information Order ID Amount Affiliated with this Profile is a Profile Number. This number can be assigned by the merchant or assigned by Paymentech [merchant’s choice] A Profile can be created either as a stand alone transaction as a part of an authorization request. Once a Profile is in place, a merchant can simply pass a request with the Profile ID and any other data not stored in the Profile to process a request. Profiles is supported in both the On-Line Interface and the VT. Profiles

23. Merchant Selectable Responses [MSR] Card not present transactions have potentially three responses a merchant needs to interrogate in deciding whether to complete a Sale [Auth, AVS, CVV2] The Gateway provides a merchant the ability to define AVS and CVV2 responses which should change an approval into a decline [Reason Code M1] A merchant can self manage which codes auto decline via the VT Retry Logic Duplicate Detection and Prevention using a Merchant defined value sent with the request Other Features

24. Orbital Gateway Merchant Requirements Technical Development Skills Secure Socket Layer (SSL) Internet Connection IP Address for Source IP Authentication 128 Bit Encryption

25. Virtual Terminal –NO CODING –Username and Password –Web Browser Application / Internet –SSL Capable - 128 Bit Encryption On-Line Message –CODING REQUIRED –Development directly to the XML or using one of the Software development kits. –Source IP Address Registration [Authentication] Interface Requirements

26. Code directly to the XML. We provide message templates to ease this development Software Development Kits [SDK’s] Paymentech has developed “Kits” to help a merchant program to the Gateway. They are available as an alternative to XML. Available SDK’s: Java, Perl, C++, COM The Message Specs and SDK’s can all be found on the web at: http://www.paymentech.net/download On-line Integration Options

27. IMPLEMENTATION Merchant Certification –Ensures the interface is complete / Tests with the Merchant Escalation Support to Gateway team as needed LIVE: Customer Service [24x7] –Phone:866-645-1314 –Email:gateway_support@paymentech.com Operation Support –24 X 7 Bridge –Unix Admins / Network Admins on call –Developers on call if necessary Support

28. Paymentech vs. Third Parties Single Source Service Financially Sound Provider True 24 x 7 Support Consistent Order Number Throughout Process Complete Auth Response Codes [Gateway and Host] XML – Open Standard – Works On Any Platform Gateway vs. Frame Speed To Deploy / No Telco Lead Times Online Auth & Capture / One Step Process Virtual Terminal - Multi User “Payment Manager” Global Connectivity - Any Time, Any Where Sales Tips

29. Service reliability Runs on Paymentech’s technology infrastructure that currently supports over 100 million items per year and maintains a 99.999% uptime Customer Service True 24 x 7 x 365 support 2-3 Second response time Cost factor Your Paymentech Relationship Manager Why Orbital

30. The Paymentech Difference A partner that is Innovative, Responsive and Flexible! A program that is Easy to Sell, Implement, Maintain and Manage! Solutions You Need to Grow Your Business Today and Tomorrow Solutions You Need to Grow Your Business Today and Tomorrow