1. Draft 1

2. Cards PSAM The Nets PSAM is a secure application module providing acquirers, merchants and vendors secure processing of card transactions in a terminal ensuring secure communication to Nets Switching host. The Nets PSAM is a strategic fit in the world of physical payment solutions in Europe Cards continues to support and develop the Nets PSAM in the future Nets PSAM Services2

3. PSAM Services Standard Full compliance with current functional and security requirements Enables card and transaction handling in a chip terminal and ensures secure communication to Nets Switching host Operation and administration of the PSAM including parameter setting, key management, and functional maintenance updates. Operation and administration of the PCI PTS approved solution compliant with the requirements of the card organisations The PSAM is delivered either to the terminal vendor for physical installation in the POI terminal prior to shipment or directly to the merchant for own installation. When the terminal is put into operation, the PSAM will automatically be updated with the settings agreed in the merchant-acquirer agreement and the corresponding terminal profile parameters. Premium Pre-authorisation & Capture – “PSAM Token” Cash / cash advance at POS Quasi Cash – script selling at POS Gift Cards Loyalty Cards/Private Label Cards management Dynamic Currency Conversion PCI PA-DSS Services Nets PSAM Services3

4. Benefits for all Merchant Easy to install a PSAM in your terminal Plug and play merchant setup Use any network available in the shop e.g. internet, MPLS, WIFI, GRPS Special solutions are available for the retail, car rental, restaurant, parking and hotel industries Fulfils a number of PCI DSS requirement Acquirer Plug and play merchant administration setup Supports all major card schemes Reduces risk because PSAM ensures high merchant security Handles errors during the EMV, MSC, key entered or contactless transactions PCI certified Secure Device Vendor Plug and play merchant setup (no hassle with SSL keys) Provides full transaction security in attended, unattended and contactless terminals Handles all EMV functionality (except the application selection) E2E or P2P encryption from the terminal to the acquiring host Removes a number of PCI PA-DSS requirements from the terminal Nets PSAM Services4

5. The power of chip transactions Nets PSAM Services5 Chip (EMV) transactions from 6 of the major international card schemes Chip (EMV) transactions from two domestic card schemes All 8 card schemes are supported on one terminal using a PSAM *Please not e– JCB, American Express, CUP and Diners EMV chip transactions will be supported in 2012.

6. PSAM facts Nets PSAM 180 point of sale integrators 1 billion real-time transactions each year 120.000 terminals running PSAM today 6 terminal vendors 10 years of proven technology 20 different terminals Nets PSAM Services6

7. PSAM acquirers Acquirers TellerNordeaSwedbankValitorHandelsbankenSEB EurolineEvalon Amex Nordic/Europe Diners Nordic/Baltics Nets PSAM Services7

8. PSAM countries Nets PSAM countries BelgiumDenmarkFinlandAustriaFranceGermanyLuxembourgNetherlandsNorwayPolandSwedenSwitzerland United Kingdom Estonia Nets PSAM Services8

9. PSAM compliance Nets PSAM Services9 Payment Security PA-DSS P2P encryption ISO13491 E2E encryption

10. Award winning product Nets PSAM technology 2004 Cartes Sesames award for best retail application 2005 EPCA award for most innovative payment software 2010 EPCA Florin Community Award 2011 Sesames nominee in IT security Nets PSAM Services10

11. Contact If you want to know more please contact: SALES@nets.eu Nets PSAM Services11