This document provides an overview of YESpay International Limited, a global provider of chip and PIN and e-commerce card payment services. It discusses YESpay's corporate structure and highlights, customers and merchant business drivers, PCI accredited card payment services, features, reporting portal, high availability and service level agreements, and benefits for merchants. The payment services provide outsourced, PCI compliant processing to minimize costs and complexity for merchants.

1. Gateway to Managed Payment Services
YESpay International Limited
Group Corporate Presentation
Global Provider of Chip & PIN & E-Commerce
Card Payment Service
Confidential – Retail Payment Services -1-
- 1-

2. Agenda Gateway to Managed Payment Services
• YESpay Corporate Highlights
• Customers – Merchant Business Drivers
• Solution – YESpay EMBOSS Payment Service
• Operations
Confidential – Retail Payment Services -2-
- 2-

3. Corporate Structure Gateway to Managed Payment Services
• Founders, Investors & Board:
– Dr. Chandra Patni – Founder, CEO, CTO and Chairman - UK
– Mr. Rohit Patni – Founder, EVP Sales & Marketing, Director - UK
– Dico A/S – Danish VC Investor, Non-Exec Director - Denmark
– Mr. Mikael Konnerup, CEO Dico A/S, Non-Exec Director - Denmark
– Mr. Remy Detonnac – CEO Inside Contactless, Non-Exec Director - France
• Group Companies:
– HQ: YESpay International Limited, Founded 2002- London UK
– Sales Subsidiary: YESpay International Limited, Founded 2008, Toronto Canada
– Back office: YESpay IT Services (India) Private Limited, Founded 2003, Indore India
– 70+ professional staff
Confidential – Retail Payment Services -3-
- 3-

4. Corporate Highlights Gateway to Managed Payment Services
• Business Focus:
– Managed Card Payment Services
• EMV payment services for Integrated EPOS, Kiosk, Hospitality and Internet
• Pre-accredited Internet IP-based EMV Payment Gateway Service
– RECURRING REVENUE Business Financial Model
– Highly secure outsourced payment services – PCI-DSS security certified
• Marketing:
– Partnership and certification with Bank Card Acquirers – UK, Canada, USA, Scandinavia
• UK - Barclaycard, RBS, Lloyds Group, HSBC, Elavon, AMEX, Diners
• Ireland – Ulster Bank, AIB
• Denmark – PBS
• USA/Canada – Chase Paymentech, First Data, Elavon, Moneris
– Channel Marketing Partners – 350+ Solutions Companies
– Direct to - Tier 1, 2 and 3 retailers
Confidential – Retail Payment Services -4-
- 4-

5. Managed Card Payment Services Gateway to Managed Payment Services
EasyV-Retail
Card Acquirers
EasyV-Kiosk
Mobile E-Top-Ups
EasyV-Mobile
Gift cards
EasyV-Internet
Bill payments
EasyV-MobilePOS
Confidential – Retail Payment Services -5-
- 5-

6. Customers - References Gateway to Managed Payment Services
dolcis
Confidential – Retail Payment Services -6-
- 6-

7. Customers - Merchant Business Drivers Gateway to Managed Payment Services
• Minimal implementation, ongoing costs, complexity and timescales
– Outsourced EMV Chip & PIN payment service
– Accredited with Acquirer
– PCI DSS certified
• High-speed and high-availability on-line payment processing service
• Flexibility - detailed MIS and transaction reporting
• Limited staff retraining
• Access for extended help desk services
Outsourced Payment Services?
Confidential – Retail Payment Services -7-
- 7-

8. Customers - In house Vs Outsource Payments? Gateway to Managed Payment Services
Step Map out the costs associated with both in
1 house and outsource payments model
Step Considered the PCI Compliance costs
2 pertaining to the different options
Step
Considered the risks associated with both models
3
Step
Considered the ‘time to compliance’ with both models
4
Step
Planned and implemented remediation
5
Step
Obtain certification
6
Confidential – Retail Payment Services -8-
- 8-

9. Customers - Outsourcing Card Payments Gateway to Managed Payment Services
Overall PCI compliance costs reduced by over 65%
A
A Operations costs significantly reduced too!
Confidential – Retail Payment Services -9-
- 9-

10. PCI Accredited Card Payment Services Gateway to Managed Payment Services
• Managed Service
• Pre-Accredited
• PCI:DSS compliant
Powered by EMBOSS
from YESpay International Ltd
Confidential – Retail Payment Services - 10 -10
- -

11. Merchant EPOS with YESpay Card Services (Detail) Gateway to Managed Payment Services
Confidential – Retail Payment Services - 11 -11
- -

12. Features Gateway to Managed Payment Services
• Pre-Accredited for quicker implementation
• Fast Authorisation
• Real-time Logging: Transactions are logged centrally during online authorisation
• Batched overnight settlement without further store intervention.
• Data Centres already certified PCI:DSS compliant
• No X.25 lines or dedicated lines required – uses Internet
• Traffic can be straight onto Internet from the stores or headoffice
• All OLA traffic uses Secure Sockets
• Continuity: Dual Data Centres & Dual ISPs
• Resilience: Permitted local offline transactions if comms is down
Confidential – Retail Payment Services - 12 -12
- -

13. Supports Gateway to Managed Payment Services
• Schemes
– Visa Credit, Debit, Electron
– MasterCard
– Maestro (Domestic and International), Solo and Laser
– Amex, JCB, Diners Club, DUET, PHH
• Transactions:
– Cardholder Present
• Optionally with Cashback
– Mail Order/Telephone Order
• Card Security Code
• Address and Postcode Verification
– Contactless option (new for 2008)
• Barclaycard Merchant Services Approval using
• Others devices and banks to follow
– Hospitality option – mobile payment terminal, gratuities. Internet Payments
Confidential – Retail Payment Services - 13 -13
- -

14. Reporting Portal Gateway to Managed Payment Services
• Transaction View
– Real-time transaction history
– Drill-down into detail
– Filter by Branch /Terminal / Dates
• Batch View
– Totals
– Drill-down into transactions
– Download as a CSV file
– Quick subtotals with Excel
Confidential – Retail Payment Services - 14 -14
- -

15. High Availability - Service Level Agreements Gateway to Managed Payment Services
• Bureau service operation – 24 x 7, 99.9% availability
• Secure IP connectivity
• High throughput transaction authorisation (~2-4 seconds)
• Settlement file preparation and submission to multiple card acquirers
• Post-sales support
• Help desk with extended hours (Monday to Sunday 9am to Midnight)
• Retailer reporting via WWW web (option to consider back-office system integration)
Confidential – Retail Payment Services - 15 -15
- -

16. Benefits – YESpay Service Benefits Gateway to Managed Payment Services
• Utilise fully accredited outsourced payment processing service
– Avoid full PCI Audits
– Avoid Acquirer certification
– Eliminates costs, security problems associated with running in-house systems
– No CAPEX - equivalent to the cost of a bank owned terminal
• Choice of PCI PED and EMV 1 and 2 approved PIN Pads
• Availability, reliability, speed and security of on-line authorisation and settlement
• Utilise in-store communications – ISDN, ADSL, GPRS, 3G
• Improved reporting and MIS
• Flexible Service Level Agreement
• Future roadmap – gift, loyalty, Internet and wireless payments
Confidential – Retail Payment Services - 16 -16
- -

17. Benefits – Retailer/Merchant Focus Gateway to Managed Payment Services
Empowers Quick
Return on Scales with
Retailer Business Growth
Productivity Investment
(ROI)
• Make Fast – informed • Minimal costs for PCI & • Single Store – Single lane
decisions EMV accreditation to …
• Provides immediate visibility • No Capex • Multi Store – Multi lane
• Focus on core competences • Monthly rental fees • New payment services
such as Gift, Loyalty,
• Outsource payment needs • No need for in-house IT
Internet
services / support
Confidential – Retail Payment Services - 17 -17
- -