Find out how SecureTrading can help your business successfully trade online. We can help with all aspects of taking payments from processing transactions to counter-fraud services. We don't just do credit and debit cards, but PayPal, Ukash and leading European methods such a ELV, Sofortuberweisung and iDeal.

1. Corporate Presentation Date: December 2010

2. Who we are... Overview 2

3. About SecureTrading Established & Independent Established in 1997 One of the longest established PSPs in Europe UK’s leading independent PSP Scalable & Flexible Fully scalable Fully hosted or client hosted payment pages Multi-Channel Payments Systems process in excess of 25m transactions Secure & Reliable 100% reliable – guaranteed PCI DSS Level 1 Accredited 3-D Secure across all acquirers Blue chip merchant base across a variety of sectors Growing Fast Transactions processed grown over 50% in last 12 months Expanding into Europe & US Merchants growing faster than industry* 3 *Compared to IMRG E-Retail Index

4. Organisational Structure 4

5. What we do... Overview 5

6. Constellation of Services 6 My-ST Transaction Management SecureTrading Fraud Score SecureTrading Merchant Account Service SecureTrading Card Check SecureTrading Payment Gateway Payment Processing PCI DSS Solutions SecureTrading Card Store Alternative Payment: ELV, iDeal, PayPal, SofortüberweisungUkash etc.

7. Constellation of Services Payment Processing Accept credit cards and debit cards 100% guarantee on the availability of our payment gateway Reduced acquiring rates through Merchant Account Service Alternative Payment Methods European methods such as ELV, iDeal and Sofortüberweisung PayPal & Ukash Counter-Fraud Services BIN range checks Risk assessment via Fraud Score Identity &Age Verification Reporting Real-time multi-user transaction management system 7

8. Integration & Products 8 Banking Layer SecureTrading Merchant Account Service CardIssuers DCC ELV GE Money iDeal Ikano Mobile PayPal Sofortüberweisung Ukash American Express, Discover, JCB, MasterCard & Visa Acquiring Banks AIB, Bank of Scotland, BMS, B+S, Elavon, EMSCard, HMS, LloydsTSBCardnet, PostBank, Streamline, etc. Technical Layer SecureTrading Payment Gateway API, Xpayor SOAP Merchant Site SecureTrading Payment Pages Online Online MOTO MOTO

9. Payment Processing 9 MERCHANT Multi-Currency Debit & Credit Cards Mail Order Telephone Order PayPal & Ukash ELV, iDealetc. Mobile Payments Recurring Payments MOTO Online Mobile 128 bit SSL TheInternet Real-Time Counter-Fraud Services 3-D Secure AVS & CVV2 Identity Check Age Verification Card BIN Check Fraud Score Transactions Database Payment Gateway Reporting Database Reporting and Counter-Fraud Services Settlement Database SecureTrading Support Authorisations – APACS 30 Settlement Delivery System Settlements – APACS 29 Acquiring Banks

10. Infrastructure Fully redundant, dual site configuration delivers unmatched availability 10 MERCHANT Multi-Currency MOTO Online Mobile The Internet Payment Site 2 Payment Site 1 P a y m e n t G a t e w a y s P a y m e n t G a t e w a y s TNS X25 ISDN TNS X25 ISDN A c q u i r i n g B a n k s A c q u i r i n g B a n k s

11. Acquirers & Payment Types Acquirers Alliance & Leicester Allied Irish Bank American Express B + S Bank of Ireland Bank of Scotland Barclaycard Business Chase Paymentech Clydesdale Bank Elavon EMS Card HSBC LloydsTSB Cardnet PostBank Royal Bank of Scotland NatWest Streamline Ulster Bank State Bank of Mauritius Yorkshire Bank Payment Types American Express Carte Bancaire Carte Bleue Dankort ELV Euro 6000 GE Money iDeal Ikano JCB Laser MasterCard (with MasterCard SecureCode) Maestro Solo Multibanco Pago Bancomat PayPal Servired Sofortüberweisung Visa (with Verified by Visa) Visa Debit Visa Electron Ukash 11

12. Shopping Carts Actinic BazaarBuilder BigCommerce Bluepark Cart Boxharry CactuShop ASP CannyBill CBJ Digital e-commerce ClickCart Pro Comersus Cart CubeCart Dansie Shopping Cart DrupalÜbercart Easywebstore Ekmpowership ePages 5 Erol Evolve Get Trolleyed Imeta Intershop 4 Interspire Instant-Shop Jshop Professional LemonStand Lite Commerce Magento Mal’s E-commerce Netbop OpenCart osCommerce Pace Retail PrestaShop Quikstore 3.0 RezEasy (Hallisoft) RomanCart Site Launcher Storesprite Tradingeye VirtueMart VP-ASP V---SystemsTMBizpro 2.0 Web Widgets White-Box Solutions X-Cart Zen Cart 12

15. If you wish to use your own secure server, but you need to be PCI compliant SecureTrading API SecureTrading Card Store Allows capture of customer information including credit card without the need for a transaction authorisation Tokenisation Built In As above, but requires a transaction authorisation Both Provide you with a reference number (or token). The token is used in place of the card number for all refunds or repeat transactions. Eliminate the need for customers to repeatedly enter credit and debit card details Eliminate the need merchants to send sensitive card details to acquirers via SecureTrading Remove the need for you to store the card number, reducing your PCI compliance effort PCI & Integration 15

16. If you wish to use your own secure server, but you need to be PCI compliant SecureTrading XPay Through XML and Java or SOAP it enables: Automated refunds and reversals Control of settlement schedule for each transaction Development capabilities to write applications to process payments Integration of payments into back office or legacy system PCI & Integration 16

17. Who we do it for... Client Brands 17

18. Clients Charities Amnesty International BMY Charity Breakthrough Breast Cancer Breast Cancer Care Cancer Research Muslim Aid Red Cross RNID RNLI Save the Children Scope Sense Shelter Sue Ryder Tearfund UNICEF Woodland Trust WWF Finance Capstone Mortgages Citroen Finance Honda Finance Peugeot Finance Education Cardiff University Computeach International Liverpool Law Society London Business School National Design Academy National Film & Television School ParentPay Scolarest Stoke Mandeville Combined School Tumble Tots Health Allergymatters Braceys Pharmaceuticals Contact Lenses Ltd D & A Opticians Health Protection Agency JordansRyvita National Eyecare Group SchwabePharma (UK) Uni-Vite Healthcare 18

19. Client Retail Betterware Coast Dollond & Aitchenson Filofax Great Little Trading Company Henri Lloyd Jane Norman Karen Millen Machine Mart Matalan Matches Mulberry Oasis Robert Dyas Rymans Timpson T.J. Hughes Vivienne Westwood Warehouse Whistles Travel, Leisure & Tourism Addison Lee Blackpool Pleasure Beach DeVere Fantasy League JD Wetherspoon Merlin Alton Towers Chessington World of Adventures Legoland Windsor London Dungeon Madame Tussauds Thorpe Park Warwick Castle Scottish City Link Virgin Balloons Telecoms ASDA Mobile Ikea Family Mobile Phones4U O2 19

20. Testimonials BT Fresca “SecureTrading is the best all-round payment service. Transaction fees are low, technical features of the service are strong and the support team answers questions quickly and proficiently (without spending ages on-hold)!” Elmbank Logistics “SecureTrading have provided me with the best support I’ve ever received from a third party. They’ve always been quick to respond to any problem I’ve had and dealt with by someone who can actually do something, not just a drone on the end of a phone. All the while they’ve been friendly and a pleasure to deal with; always willing to go the extra mile when I’ve been up against a tight deadline.” Harvey Nichols “We have used SecureTrading since 2000 and have found that SecureTrading very much share the same ethos and approach towards doing business as we do, which can be summed up as providing an excellent service at a reasonable price.” 20

21. What Next? 21

22. The Future SecureTrading is a profitable business with transactions processed growing at over 50% per annum. We help our merchant to grow. Our merchants are growing faster than industry* We intend to remain as the leading UK provider through continual investment in people, R&D and our infrastructure. For more information contact: sales@securetrading.com 0800 028 9151 22 *Compared to IMRG E-Retail Index