What is Orbital?

2. Our proprietary suite of e-commerce payment solutions Opens the door to easier internet payment card processing support and service Available solutions include: Virtual Terminal Payment Gateway What is Orbital?

3. The Traditional Model Merchant Contract & Fees Contract & Fees Transaction Processing Service Contract & Fees Web Hosting Service Payment Gateway Service Merchant Acquirer Payment Processor Merchant Has Three Relationships Dependent on Three to Four Vendors

4. The Paymentech Model Merchant Contract & Fees Contract & Fees Web Hosting Service Payment Gateway Service Payment Processor Merchant Acquirer Merchant Has At Most Two Relationships Dependent on One to Two Vendors

5. Complete Merchant Acquiring Services Transactions Process Direct From Merchant to Paymentech Paymentech Features Fully Available Single Point of Reconciliation No Added Vendor Relationships No Added Technical Interface & Support True “One Stop”Service

6. Orbital has two Processing options: Virtual Terminal – Manual Web-Based Tool Manual Entry SSL over HTTPS Gateway – Automated Programmatic Processing [On-Line] XML Messages HTTPS All Part of the same system. They can be used Independently or together 2 – 3 Second Response Time Interface Options

7. A web-based application that functions as a physical POS terminal for Card Not Present transactions Accessed via a Web browser and Internet connection; Secure log-on provided Eliminates the needs for additional hardware and dedicated phone lines Provides Direct Connection to PNS What is the Virtual Terminal?

8. For “key entered” or “card absent” single purchase transactions MOTO, Recurring, and e-Commerce Supports the full range of needs: Authorization Only Authorization and Capture Refunds and Voids Supports extended order data as needed for tracking and reconciliation Virtual Terminal

9. Login - Provided At Set-Up Retains transaction history [6 prior + current month] Merchants Access Anywhere and Any Time Look Up Transaction Details [Open Items or Settled Items] Initiate New Orders Make Adjustments Issue Refunds Login “Privileges” Configurable – Auth Only, Refunds Only, etc Duplicate warning if a transaction matches a previous one in the same day Features coming soon VT User Tracking Enhanced search parameters Quick Refund [The ability to generate a refund from a previous sale item] Virtual Terminal Features

10. Virtual Terminal Demo

11. Virtual Terminal Demo • Real Time Demo including: • Process Transactions • View open batch • Settle batch • Review History

12. Virtual Terminal Demo Log on to the Demonstration atHttps://ecomvar.Paymentech.Net/manager Using the Following Log on Information. Group: 700000001700 (7 - Seven 0’s - 1- 7 - Two 0’s)Username: SALESDEMOIDPassword: Demopassword01Please Note That the Username and Password Are NOT Case-sensitive.

13. Paymentech’s proprietary payment gateway for Internet merchants (key-entered or CNP) Delivers secure online transaction processing in a true “one-stop-shop” environment Enables payment processing for the range of most basic storefronts to more highly integrated commerce systems Backed by 24/7 technical support and the redundancy and reliability of our PNS system What is the Payment Gateway?

14. XML Interface SDK (Software Development Kits) Payment Modules VAR Software Virtual Terminal Gateway Interfaces and Integration Options

15. “Host” Based System Authorization Data Retained By Host Supports both Fulfillment models Future Fulfillment Models Auth followed by a Capture request at time of Shipment Supports all Future Fulfillment needs -Backorders, Split Shipments, Partials, Reversals, etc Immediate Fulfillment Models Single Auth Capture Message “Captured” Items Are “Batched” For Settlement Batches Remain In Gateway Until “Closed” TransactionProcess

16. Gateway Topography Any CNP Merchants F I R E W A L L Gateway 1 Internet PNS Tandem

17. Visa MasterCard American Express Diners Discover JCB Purchasing Card (Level II) SupportedCard Types

18. Supports a full range of functions including: Auth Only Auth & Capture Force and Prior Auths Refunds & Voids Orbital Features and Functionality

19. Facilitates management of: Split Shipments Back Orders Reversals Orbital Features and Functionality

20. Offers option of Auto or Manual close Provides industry standard fraud protection including AVS, CID, CVV2, CVC Supports advanced transaction security via user-defined access and SSL protocol Orbital Features and Functionality

21. Delivers comprehensive online transaction reporting Transaction Security Network Security Orbital Functionality & Reporting

22. Profiles • The functionality is a mechanism wherein a customer can store their customers credit information on the Gateway. This includes: • Customer Name • Address • Card Information • Order ID • Amount • Affiliated with this Profile is a Profile Number. This number can be assigned by the merchant or assigned by Paymentech [merchant’s choice] • A Profile can be created either as a stand alone transaction as a part of an authorization request. • Once a Profile is in place, a merchant can simply pass a request with the Profile ID and any other data not stored in the Profile to process a request. • Profiles is supported in both the On-Line Interface and the VT.

23. Other Features • Merchant Selectable Responses [MSR] • Card not present transactions have potentially three responses a merchant needs to interrogate in deciding whether to complete a Sale [Auth, AVS, CVV2] • The Gateway provides a merchant the ability to define AVS and CVV2 responses which should change an approval into a decline [Reason Code M1] • A merchant can self manage which codes auto decline via the VT • Retry Logic • Duplicate Detection and Prevention using a Merchant defined value sent with the request

24. Technical Development Skills Secure Socket Layer (SSL) Internet Connection IP Address for Source IP Authentication 128 Bit Encryption Orbital GatewayMerchant Requirements

25. Interface Requirements • Virtual Terminal • NO CODING • Username and Password • Web Browser Application / Internet • SSL Capable - 128 Bit Encryption • On-Line Message • CODING REQUIRED • Development directly to the XML or using one of the Software development kits. • Source IP Address Registration [Authentication]

26. On-line Integration Options • Code directly to the XML. We provide message templates to ease this development • Software Development Kits [SDK’s] • Paymentech has developed “Kits” to help a merchant program to the Gateway. They are available as an alternative to XML. • Available SDK’s: Java, Perl, C++, COM • The Message Specs and SDK’s can all be found on the web at: • http://www.paymentech.net/download

27. Support IMPLEMENTATION • Merchant Certification • Ensures the interface is complete / Tests with the Merchant • Escalation Support to Gateway team as needed LIVE: • Customer Service [24x7] • Phone: 866-645-1314 • Email: gateway_support@paymentech.com • Operation Support • 24 X 7 Bridge • Unix Admins / Network Admins on call • Developers on call if necessary

28. Sales Tips • Paymentech vs. Third Parties • Single Source Service • Financially Sound Provider • True 24 x 7 Support • Consistent Order Number Throughout Process • Complete Auth Response Codes [Gateway and Host] • XML – Open Standard – Works On Any Platform • Gateway vs. Frame • Speed To Deploy / No Telco Lead Times • Online Auth & Capture / One Step Process • Virtual Terminal - Multi User “Payment Manager” • Global Connectivity - Any Time, Any Where

29. Why Orbital Service reliability • Runs on Paymentech’s technology infrastructure that currently supports over 100 million items per year and maintains a 99.999% uptime • Customer Service • True 24 x 7 x 365 support • 2-3 Second response time • Cost factor • Your Paymentech Relationship Manager

30. A partner that is Innovative, Responsive and Flexible! A program that is Easy to Sell, Implement, Maintain and Manage! The Paymentech Difference Solutions You Need to Grow Your Business Today and Tomorrow