Commerce Center

1. Commerce Center PASS Commerce Center was created by the PASS (Payments as a Secure Service™) Consortium, a group of leading financial institutions and payment service providers working together to provide a unique package of business and cash management services and tools available only through the Windows Vista™ Business operating system.

2. Commerce Center PASS Commerce Center PASS Cash Management Center PASS Gadget • Brought to you by:

3. Solutions • Credit Card Processing – Chase Payment Tech • Financial Processing - CIT • Remote Deposit - BankServ • Email Invoicing - PayPal • EDI Pay - Internet Commerce Corporation

4. Introducing a PASS Solution With PASS EDI Pay, any supplier can become EDI-enabled, quickly and easily, without expensive up-front costs and ongoing IT support. Available with the Commerce Center.

5. PASS EDI Pay Features • Manage purchase orders, invoices and payment remittances • View pending and paid invoices • Integrate with PASS Cash Management Center • Support available for over 400 retailers’ EDI requirements

6. PASS EDI Pay Benefits • Meet your retailers’ requirements • Become EDI-enabled without additional staff • Sell prospects on the fact that you are EDI capable • Remain focused on core competencies to operate your business

7. PASS EDI Pay: Welcome Screen

8. PASS EDI Pay: Retrieve Purchase Orders Retrieve pending Purchase Orders

9. PASS EDI Pay: Review Purchase Orders View Purchase Order details.

10. PASS EDI Pay: Generate Invoices Process invoices easily.

11. PASS EDI Pay: Manage Invoices Manage invoices that have been sent.

12. PASS EDI Pay: Manage Invoices Manage invoices that have been sent.

13. PASS EDI: Manage Payment Remittance Get remittance details as fast as you need them.

14. PASS EDI: Manage Payment Remittance View Payment Remittance details.

15. PASS EDI Pay Futures • Expansion of EDI Document type supported • Integrated Payments to enable EDI 820s to spawn automated payments • Delivery of EDI through popular applications such as Microsoft Outlook, Office Accounting and Intuit’s Quickbooks

16. PASS Security • PASS Commerce Center complies with Payment Application Best Practice (PABP) Requirements • Enablement of higher security standards through Encryption, User/Password management, and Secure Persistence of Commerce Data • Security is turn-key for the user “Hackers are concentrating on smaller merchants. That’s where we see the greatest vulnerability….We recommend that merchants stop using that software.” - Eduardo Perez, VP Visa Payments Systems Risk & Compliance

17. Vista Banner Ad 17

18. WindowsVista.com Web site 18

19. Print Ad 19

20. PASS Commerce Center PASS Commerce Center – The PASS Commerce Center provides users with a common interface from which to run the PASS services. In addition, users will enjoy a simple and secure way to download new financial management functionality as it becomes available – with no downtime and no technical consultation. PASS Cash Management Center – PASS Cash Management Center graphically displays the current cash flow status of a small business by pulling financial management data such as: pro forma statements, accounts receivable listings, and accounts payable listings. PASS Gadget - The PASS Gadget leverages valuable desktop real estate established by a new Windows Vista feature called Windows Sidebar. The Gadget provides a convenient resource for accessing real-time payment-related information and messaging. PASS Commerce Center is a comprehensive solution that saves time, provides real-time visibility to a company’s cash position and keeps financial data more secure than ever before. PASS Commerce Center is supported by PASS Cash Management Center and PASS Gadget. 20

21. PASS Commerce Center What can I do with PASS Commerce Center? PASS Commerce Center, a special offering for Windows Vista, provides businesses the tools they need to effectively and securely manage their finances. Using PASS Commerce Center, businesses can now perform a variety of financial management activities: • Use a business computer as a point-of-sale terminal whenever a credit card payment needs to be processed. • Get clear, secure visual access to basic transaction history. • Eliminate trips to the bank to deposit checks and get faster access to funds. • Apply for business financial services (payment protection, small business loans and equipment financing) • Pay vendors and employees electronically through account-to-account transfers • Create, send and monitor invoices through secure, encrypted email. • Streamline communications with large trading partners. 21 21

22. PASS Credit Card Processing PASS Credit Card Processing Need: Direct processing of payments from line-of-business applications to their financial providers. Provider: Chase Paymentech, LLC Company Description: Chase Paymentech is the nation’s largest financial transaction processor for businesses accepting payments via traditional point of sale, hospitality, Internet, catalog and recurring billing. Product Description: PASS Credit Card Processing by Chase Paymentech Solutions, a global leader in secure electronic payment processing, offers bankcard processing from the Windows Vista desktop through PASS Card Processing and the PASS Commerce Center. 22

23. PASS Financial Solutions PASS Financial Solutions Need: Access to financial solutions for businesses covering multiple industries. Provider: CIT Group, Inc. Company Description: CIT is a leading commercial and consumer finance company providing clients with financing, leasing products and advisory services. Founded in 1908, CIT has approximately $70 billion in managed assets and possesses the financial resources, industry experience and product knowledge to serve the needs of clients across 30 industries worldwide. Product Descriptions: PASS Small Business Lending: CIT’s PASS Small Business Lending service can help small businesses meet a variety of their financing needs including: start-up financing for a franchise or professional practice, commercial real estate financing, partner buy-outs and business acquisition financing PASS Technology and Office Equipment Financing: Businesses can finance the acquisition of their equipment, software and service needs with CIT’s premier financing solutions – loans and leases – offered through PASS. PASS Payment Protection: PASS Payment Protection helps companies determine the creditworthiness of their business customers, and assures their financial ability to pay your invoices. If a customer is unable to pay an approved invoice, CIT will pay the full undisputed amount due to your company. 23

24. PASS Remote Deposit PASS Remote Deposit Need: A service package that enables online deposits of checks into any bank account and automates application of payment data into accounts receivable applications. Provider: BankServ Company Description: BankServ is a leading provider of ACH and Check 21 solutions for banks, governments and businesses. Product Description: PASS Remote Deposit: This service enables Windows Vista users to scan checks with an inexpensive peripheral device and deposit them into their bank accounts electronically, eliminating trips to the bank branch. PASS Remote Deposit also supports return item handling, data extraction, automatic updates to accounts receivable, and can automatically match checks to customers. Remote deposit functionality and accounts receivable management are critical components of any small business’ treasury management needs. 24

25. PASS EDI Pay PASS EDI Pay Need: A payments package that allows small business to participate in EDI with major retailers Provider: Internet Commerce Corporation (ICC) Company Description: ICC is a leader in business-to-business e-commerce solutions. Product Description: PASS EDI Pay allows businesses to send and receive purchase orders and acknowledgements and create invoice requests. Users can receive payment remittances, view pending and paid invoice requests, and search and manage all these records. Data on paid and pending invoices can also automatically populate the PASS Cash Management Center. 25

26. PASS Email Invoicing PASS Email Invoicing Need: An easy way for businesses to accept online payments. Provider: PayPal Company Description: PayPal, an eBay Company, enables any individual or business with an email address to securely, easily and quickly send and receive payments online. PayPal's service builds on the existing financial infrastructure of bank accounts and credit cards and utilizes the world's most advanced proprietary fraud prevention systems to create a safe, global, real-time payment solution. Product Description: PASS Email Invoicing, powered by PayPal, enables Vista users to create and email an invoice using a customizable MSFT Word template. The payment enabled email invoice allows customers to remit to a user’s PayPal by simply clicking a button. PayPal also powers real-time notifications service in the PASS Gadget, including transaction status (e.g. payments complete) and any transaction errors. 26

27. PASS Electronic Payments PASS Electronic Payments Need: A payment system that provides businesses access to electronic payment capabilities. Provider: CashEdge Company Description: CashEdge is a premier provider of innovative, online financial payments applications for banks, credit unions and wealth management firms. Product Description: PASS Electronic Payments enables Windows Vista Business users to electronically pay vendors and employees from the PASS Commerce Center, greatly simplifying payroll and accounts payable and receivable activities. This service provides the ability to register, manage and verify payees, to track payments, and to schedule a one-time immediate, future dated or recurring payments. 27