1. Netaxept Introduction 2013

2. International service which enables you to receive and process payments with variety of payment methods and currencies in an online store and for telephone and mail orders With versatile Netaxept service packages you can customize a payment phase easily to fit your needs As a PCI DSS certified payment solution Netaxept meets high security requirements set in internet paying Versatile antifraud services offered by Netaxept help you to prevent card misuse reliably Cost-effective service where authorizing, debiting and crediting of payments run smoothly and reliably with interfaces that are easy to integrate to your back-end systems Netaxept Reliable and convenient payment solution for card-not-present sales

3. Netaxept Top class performance and high availability Uptime in 2013 January100 % February99,99 % March99,75 % April99,98 % May100 % June99,93 % July100 % August100 % 99,96 % Available for merchants and customers every day 24/7 High-availability service which is impacted by the internal and external service-level requirements High capacity with redundant systems on 2 physical locations Systems are virtualized and load balanced Based on the same stable infrastructure as Nets POS terminals Monitored 24/7 by the staffed operations center Information about planned maintenance works and service breaks in advance

4. Accepted payment methods: Visa and MasterCard (debit and credit), Visa Electron, Maestro, American Express and Diners Club payment cards Bank buttons Klarna and Paypal Several payment currencies available Payment form can be customized and adapted to eCommerce and mobile commerce Versatile antifraud services and Verified by Visa & MasterCard SecureCode authentication services which prevent reliably and efficiently card misuse Easy-to-use user interface where transactions can be managed and processed further, e.g. credit Interfaces and user interface can be tested free of charge with test id codes and test cards provided by Nets Possibility to debit additional fee for the chosen payment methods ”Netaxept Advanced” service package To companies that want comprehensive and versatile payment solution for eCommerce Possibility to see transactions of several trading sites with the same user id codes Comprehensive transaction reporting service Easy payment (One-click-shopping) After the initial payment buyer pays subsequent purchases easily with one click Recurring payment Merchant debits payment card according to agreement without any buyer interaction after the initial payment Link payment Merchant creates a link and sends it to buyer e.g. via email or SMS. When buyer clicks the link, browser redirects him to payment form for paying the purchase

5. Some of our payment methods Card paymentsBank buttons Versatile payment methods in eCommerce and mail and telephone orders Paying by bill

6. Some of our customers

7. Product agreement In this agreement you will agree on Netaxept product related issues Enables you to integrate Netaxept payment solution to card-not-present sales Netaxept agreement is available from Netaxept customer service. Send the completed agreement to Nets Acquiring agreement In this agreement you will agree on payment transfer related issues, e.g. settlement time Enables you to receive and handle payments and their settlements in card-not-present sales Acquiring agreement is available from the chosen acquirer The needed agreements Agreements with Netaxept and acquirer

8. Some of the acquirers supported by Netaxept Full flexibility in choosing acquirer that best fits for your business needs Netaxept is connected to several acquirers that operate internationally Netaxept creates batch files for payment transactions debited and credited within the past 24 hours The transactions are forwarded to the proper acquirers Each acquirer settles the transactions within an agreed settlement time to the account notified by the merchant

9. Possibility to use ready-to-use payment form or customize the look & feel of the payment form Easy to integrate and suitable for eCommerce and mobile commerce Payment form is available in several languages, e.g. in Finnish, Swedish, English, Russia and Germany Netaxept payment form Several customization possibilities and language options Nets payment form with merchant’s logoNets payment form in a single page mode

10. Netaxept payment form Several customization possibilities and language options Customized Nets payment form Nets payment form in a mini-layout mode

11. Netaxept payment form on mobile devices Easy to integrate and customize with mobile platforms Netaxept payment form is supported on several mobile device types Payment form is automatically optimized based on the mobile device type (smart phone / tablet) Default payment form templates are offered for iOS, Android and Windows Phone based smart phones, and generic smart phones You can also customize and design the payment form template per mobile device type

12. Useful functionality for eCommerce merchants Purchase process with payment link: Merchant creates a payment link automatically via user interface Merchant attaches the created link in e.g. email or SMS and sends it to the buyer When buyer clicks the link, browser redirects him to payment form Buyer pays the purchase with the chosen payment method Link payment transactions are flagged as eCommerce transactions Available in “Advanced” service package Link payment Functionality where buyer pays the purchase by clicking the payment link

13. Additional service for card payments Perfect for mobile applications Easy purchase process: Buyer register order information to the merchant service during the initial card payment During the registration card is authenticated with Verified by Visa or MasterCard SecureCode authentication service Card data is stored in a safe and PCI certified environment at Nets Buyer pays subsequent purchases easily with one click Depending on your acquirer you may or may not have to ask the buyer for the CVC2 / CVV2 code for each transaction. Netaxept supports both variants Available in “Start” and “Advanced” service packages Easy payment (One-click-shopping) Additional service where after the initial payment buyer pays subsequent purchases easily with one click

14. Additional service for card payments Purchase process without buyer interaction: Buyer and merchant signs an agreement where buyer allows merchant to debit his payment card with certain time frames Buyer register order information to the merchant service during the initial card payment During the registration card is authenticated with Verified by Visa or MasterCard SecureCode authentication service Card data is stored in a safe and PCI certified environment at Nets Merchant makes subsequent purchases easily by debiting payment card according to agreement without any buyer interaction Available in “Advanced” and “Call Centre” service packages Recurring payments Additional service where merchant debits payment card without any buyer interaction after the initial payment

15. Netaxept user interface Merchant Buyer In user interface you can manage and process transactions further, e.g. credit In “Advanced” and “Call Centre” service packages you can also see a comprehensive transaction reporting side In user interface you can see both eCommerce and mail and telephone order transactions Easy-to-use user interface is available free of charge to all Netaxept merchants

16. Versatile antifraud services which prevent reliably and efficiently card misuse in card-not-present sales In user interface you can see IP address of the buyer's browser connection in which the transaction was originated Card issuer's country in which the card used in the transaction was issued In user interface you can also Block credit card transactions Filter transactions that exceed the set sum value or transaction amount, in a certain time period done by using a given payment card or from certain IP addresses Filter transactions done by using payment cards issued by a specific country If you choose e.g. Finland, only payments done by cards issued in Finland are accepted Antifraud services offered by Netaxept Antifraud services are available free of charge to all Netaxept merchants

17. Makes it possible for you to prevent reliably and efficiently card misuse in card-not-present sales and identify poten­tial card misuse before the product or service is sent out Versatile service that scores real time all transactions You can use the default policy scheme and rating system built into the service or customize rating thresholds yourself The default policy scheme is best suited for the general merchant scenario Customization of the rating thresholds is also easy Rule sets include e.g. geo location, handling high frequency transactions and detecting a wide range of other abnormal transaction indicators Risk management tools Additional service preventing card misuse in card-not-present sales

18. Technical integration You can integrate Netaxept payment solution to your web store or mail and telephone orders with the following interface options: REST Request is sent as POST or GET method to Netaxept Response is returned in XML format from Netaxept Web Service Read more about interfaces here 18

19. Etäkaupan palvelut Nets Oy +358 9 6964 6180 ecommerce-support-fi@nets.eu Contact information BookIT Finland Oy Tom Sandell tom.sandell@bookit.net +358 40 5030355