1. How to do Business Online - Securely Presented by: Michael Gulliver First Data Regional Credit and Risk Director

2. Agenda Welcome An introduction to AIB Merchant Services Topics and Speakers

3. Introduction to AIB Merchant Services AIB Merchant Services is a joint venture between AIB and First Data AIB is the market leader in financial services in the Republic of Ireland with over 220 branches in ROI and UK’s best business bank for the last 9 consecutive years First Data is a global leader in electronic commerce and payment services AIB Merchant Services offers a comprehensive range of solutions for business customers

4. AIB Merchant Services AIBMS Joint Venture company 50.1%49.9%

5. Significant investment in card acquiring New platform Enhanced capability Team expansion: ROI, UK, International International support Premier targeted products & services What the new Joint venture brings

6. Key statistics Market Leader in ROI with 48% market share Processing 180m transactions, valued at €15bn Business Channels Card Present Mail Order/Telephone Order Internet Integrated systems

7. What we do Our core business is provision of a full range of card payment acceptance solutions for Business Customers Full end to end processing for Credit & Debit card products. This includes; Real time authorisation / batch authorisations Data capture of transactions Settlement to Merchant nominated bank a/c Full accounting, Chargeback & Statement service

8. Topics and Speakers 9.30Mr Chris Owen (Risk Management) AIB Merchant Services Fraud trends, case studies and fraud prevention methods 10.00Ms Una Dillon (Head of Card Services & Communications) IPSO Trends and current issues facing eCommerce operations 10.30Ms Shelley Palmer, Customer Security & Risk MasterCard Operating guidelines to protect businesses and their customers

9. Topic and Speakers 11.30Mr Keith McCabe, Sales Executive Realex How to integrate ePayments into your operations and manage fraud 12.00Brooks Wallace, Sales Director Trustwave Cardholder Details - Safe storage, data protection and compliance questions 12.30Q&A session followed by closing remarks by the IIA 13.00Close