1. VirtualMerchant Secure Hosted Software Solution

2. Introducing VirtualMerchant • Complete hosted payment solution that instantly transforms PCs into “virtual” payment terminals. • Accept a full range of payment • Process transactions in face-to-face, mail order/telephone order, or e-commerce environments. • Reduce the risks in compliance of card holder data

3. “Virtual Terminal”an easy, economical hosted software solution that lets you use any PC with an Internet connection to efficiently and cost-effectively process payment transactions “Buy Button”efficiently and affordably integrates with a shopping cart to securely process e-commerce transactions Face-to-Face and/or E-Commerce Support

4. Hosted Convenience and Versatility • Fully hosted by Elavon minimizing your security liability and ensuring PCI, CISP and other card association regulations and standards are met – without the need for expensive compliance audits • No hardware specifications, network infrastructure or software installation required. Can be quickly and easily accessed from any Internet enabled PC • Software enhancements and updates are received automatically – no software downloads or installation needed

5. Efficient and Cost Effective • Utilizes your existing hardware and technical infrastructure • Eliminates costly charges for multiple terminals and dedicated telephone line • Less than the cost of a single, average-priced terminal • Supports an unlimited number of users and Merchant ID’s – serving organizations of any size • Connects with a broad range of peripherals, such as card swipes, PIN pads and check imagers for acceptance of virtually all payment types

6. VirtualMerchant Features • Fraud protection through Address Verification Service (AVS) and Card Verification Value (CVV2) • Protects against fraud on non consumer-no-present key-entered transactions • Correlates MO/TO authorizations with settlements • Ensures that cards are not billed until products are shipped, meeting Visa and MasterCard requirements • Eliminates the need to re-key transactions for settlement • Allows transactions to qualify correctly, minimizing interchange expense • Purchasing Card Capability • BIN Level Prompting for Customer Code and Tax Amount (Level II Purchasing Card data) • Processes transactions in as little as three seconds over a high-speed Internet connection

7. VirtualMerchant Features (cont.) • Receipt Customization • Customer receipts can be printed with, user defined fields, custom headers, custom footers, advertisements, etc. • Can be configured to print receipts on traditional “roll” type printer, network printer • Receipts can be delivered electronically through e-mail or can be turned off altogether • Allows storage of recurring and installment payment information • Transactions will be automatically authorized according to the selected billing cycle eliminating the need for manual re-entry of billing information • Multi-entry feature for easy and quick entry of multiple credit or check transactions on one screen • Maintains a detailed record of up to 12 months of transaction activity

8. VirtualMerchant Features (cont.) • Easily configures so that each user only sees or has access only to relevant accounts, transactions, data and reports • Customizable payment screens • Unlimited number and size of User Defined Fields available • Ensures only desired fields are seen, minimizing screen clutter • Field labels and order can be tailored for individual environments to maximize usability • Fields can be made mandatory to help minimize downgrades or ensure User Defined Fields are always provided • Exports common separated value (CSV) data for import into other applications or further analysis, tracking or storage • Supports “Business Rules” for e-commerce environments

9. Payment Types Supported • Credit Card • Electronic Gift Card • PIN-based Debit • Pin-less Debit (E-Commerce merchants) • PIN-based EBT • Point-of-Purchase (POP) Electronic Check Service • Accounts Receivable (ARC) Electronic Check Service • Dynamic Currency Conversion

10. Peripherals Supported by VirtualMerchant • Magnetic Stripe Readers • Printers • All network/parallel Printers • P900/P250 roll Printers • Check Imaging Devices • RDM EC6111f with MSR • MagTek MICRImager MSR • PIN pads • VeriFone PINpad 1000SE • MagTek IntelliPIN with MSR • VeriFone PINpad 5000SC

11. www.myvirtualmerchant.com **To create a Demo login for your MSP Office, please contact your Relationship Manager.

12. Questions?