1. Smart Business for eGeneration Companies
Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

2. PaY by PiN: The Smart Solution
Delivers a smart, alternative on-line payment method
Helps partners get fund quicker, no bounce check cost
Provides consumers with a fast, easy to use, secure on-line payment
and transfer of funds mechanism
Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

3. PaY by PiN: Partner Solutions
eCheck: No sign up or credit card required
PaY by PiN: Simple, one time account sign-up, use it forever
Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

4. How it work s PaY by PiN eCheck Service
Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

5. PaY by PiN eCheck Interface
Enter Driver License and click Submit. If the customer previously has used eCheck before, then their information will be pre-populated on the next page. If you have question or comment please click on the Inquiry button and submit to our support team.
Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

6. PaY by PiN eCheck Interface
Read Instructions and Notify the customer re: items 1-3
Make sure customer has enough money in their account or an NSF fee of $15 will apply. Max. order amount is $9,999.99
The account number is the most difficult number to get from the check book. Always request they get Acct. number from their bank statement.
Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

7. PaY by PiN eCheck Interface Cont.
Please Read Terms & Conditions to customer
Check box and click Submit
Please note: the transaction has not yet recorded If your computer crashes or shuts down, you must restart the form from the beginning.

8. PaY by PiN eCheck Interface Cont.
Please make sure that the Routing and Account No. are correct. The transaction will be delayed if there is any incorrect Acct. information.

9. PaY by PiN eCheck Interface Cont.
Please confirm this information with customer. This will insure the process will go smoothly. This is your last chance to make changes.
Confirm Terms & Conditions and Click “Accept” or “Update Information”
After you click “Accept & Continue” you cannot go back.
If there is a problem please let us know thru the inquiry form.

10. PaY by PiN eCheck Interface Cont.
You have completed the eCheck process. Click “New Transaction” or “Logout”. You cannot go back and make changes. If you have made a mistake you must advise your supervisor or contact
PaY by PiN via the inquiry form.

11. How it work s
PaY by PiN
Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

12. Consumer Sign-up
Consumer goes to paybypin.com to fill out the verification form
Consumer logs into paybypin site and continues the signup process
Consumer fills out personal, financial and shipping information
Consumer answers identity verification questionnaire
Consumer selects their user ID and PIN
If the consumer responds correctly their account is activated
If not, a PaY by PiN customer service manager will call and verify all account information before activating
Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

13. Consumer fills out email verification
Consumer visits paybypin.com
Consumer checks and clicks on
the link to login to paybypin site and
Continue the sign-up process
If consumer passes the Questionnaire, their account will automatically activate. Otherwise a PaY by PiN customer service manager will call and verify information again.
Consumer will need to answer
Identity questionnaire.
This Questionnaire is designed to detect
Fraud before it becomes a problem
Consumer creates own user ID and PIN

17. Consumer Benefits Consumer Benefits
PaY by PiN is the Fast, Free and Secure way for consumers to do Internet fund transfers. It’s simple and easy to use.
Consumers pay partner directly from their checking or savings account. No lengthy forms to fill.
Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

18. Benefits to Business Partners
PaY by PiNs’ patent-pending technology is fast, easy, secure and enables transactions that are free to consumers while providing a significant cost savings for PaY by PiN business partners.
Whether your business is offline or online, large or small, doing Internet transactions or providing B2B services and products, PaY by PiN can save you time and save you money.
Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

19. Benefits to Business Partners continued Benefits to Business Partners
Fast, easy & free setup.
No software purchase required.
Low transaction fees.
No annual or monthly fees.
Automatically deposits to Business Partners’ bank account.
Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved 

20. Smart Business for eGeneration Companies
Copyright (c) 2003, WorldWide Personal Identification Number Corporation, All Rights Reserved