1. Screen 0 of 13 Quit © 2004 CyberSource Corporation. All rights reserved. Welcome to our online tour of CyberSource Decision Manager Quit

2. Screen 1 of 13 Quit © 2004 CyberSource Corporation. All rights reserved. Because you will be able to... 1. Confidently convert more orders to sales The only eCommerce fraud screen enhanced by Visa is built-in 2. Convert more sales automatically (review fewer orders) Automatically apply business rules via easy-to-use interface 3. Review orders faster if review is required Built-in case management features speed review process CyberSource Decision Manager will help you increase sales and cut manual review costs

3. Screen 2 of 13 Quit © 2004 CyberSource Corporation. All rights reserved. CyberSource Decision Manager Highlights 1. Single, easy-to-use interface controls all rules and toolsw/out programming 2. Complete control over order acceptance criteriaeven down to the SKU level 3. Only solution with built-in fraud screen endorsed and enhanced by Visa Works With All Card Brands And...it works with most payment systemscommercial or in-house

4. Screen 3 of 13 Quit © 2004 CyberSource Corporation. All rights reserved. Decision Manager features three key components Built-in Case Management Automatically pinpoint why a transaction was marked for review. All transaction data is conveniently displayed. Quickly review and convert. 3 Order Information Per your rules, automatically dispositions order: Accept Reject Review CyberSource Advanced Fraud Screen enhanced by Visa Hosted Decision System 2 Your Web Site Built-In Payment Processors & Card Associations Address Verification Service Card Verification Number (CVC2, CVV2) Verified by Visa MasterCard SecureCode Plus connections to Business Dashboard One easy-to-use Web interface lets business managers control all fraud tools and business rules required to analyze and disposition transactions. Set rules for all orders, by category, or even by SKU. Use library of pre-defined or custom- built rules. 1

5. Screen 4 of 13 Quit © 2004 CyberSource Corporation. All rights reserved. The following tour highlights select features of our Standard Edition & Advanced Edition solutions. To see the full complement of powerful features and capabilities use the options noted at the end of this tour.

6. Screen 5 of 13 Quit © 2004 CyberSource Corporation. All rights reserved. Convenient Web-based interface allows business managers to easily apply rules without need for IT programming. Just Select and Click. Set Risk Score Thresholds For Built-in Fraud Screen CyberSource Advanced Fraud Screen enhanced by Visa Define whether the triggering of a rule will cause the order to be reviewed, accepted, or rejected. If you want it to have no affect, select Ignore. Plus more rule categories...

7. Screen 6 of 13 Quit © 2004 CyberSource Corporation. All rights reserved. And...our Advanced Edition solution allows you to create custom rules and assign them to your screening profiles. Assign Custom Rules (Advanced Edition) Rules You Have Created Appear in Menu

8. Screen 7 of 13 Quit © 2004 CyberSource Corporation. All rights reserved. Once you create a screening profile you can test it before you actually apply it to real orders. Runs in background, does not impact orders Reports are generated that detail percent of orders accepted, rejected, or reviewed Passive Mode Runs past orders against new/revised screening profiles and generates report Ability to use order history up to 6 months prior Order Replay (Advanced Edition Only)

9. Screen 8 of 13 Quit © 2004 CyberSource Corporation. All rights reserved. Once tested, your rules are now ready for use on live orders. Per your rules, the system will automatically disposition transactions in real time. Accept Reject Review CyberSource Advanced Fraud Screen enhanced by Visa Built-In Plus connections to Order Information Your Web Site Rule Dashboard AVS Card Verification Number Payment Processor & Card Association Services

10. Screen 9 of 13 Quit © 2004 CyberSource Corporation. All rights reserved. Transactions marked for review (or reject) can be placed in a case management queue for quick review. All Data In One Place Disposition Accept or Reject Directly From Review Screen Pinpoints Reasons For Review/Reject

11. Screen 10 of 13 Quit © 2004 CyberSource Corporation. All rights reserved. A full complement of reports are available to help tune rules and optimize sales/lower review rates.

12. Screen 11 of 13 Quit © 2004 CyberSource Corporation. All rights reserved. Further...you may have products that require different screening profiles. Our Advanced Edition allows you to create and automatically apply multiple screening profiles. Tailor screens by product categoryor even each SKU. Easily Create Multiple Screening Profiles and Set Rules To Define When Each Apply

13. Screen 12 of 13 Quit © 2004 CyberSource Corporation. All rights reserved. With CyberSource you get everything you need to easily manage and automate your order acceptance process... at an affordable price and with little or no programming. Built-in Case Management Order Information Per your rules, automatically dispositions order: Accept Reject Review CyberSource Advanced Fraud Screen enhanced by Visa Hosted Decision System Your Web Site Built-In Business Rule Dashboard Fact: CyberSource merchants... review 40% fewer orders reject 37% fewer orders incur 40% lower rate of fraud loss Fact: CyberSource merchants... review 40% fewer orders reject 37% fewer orders incur 40% lower rate of fraud loss

14. Screen 13 of 13 Quit © 2004 CyberSource Corporation. All rights reserved. To see many more powerful features and capabilities Contact a sales representative for personalized tour > Call 1-888-330-2300 (USA) > Call +44 (0)118 965 3819 (UK) > Contact us onlineContact us Quit