SecureTrading, established in 1997, is a leading independent payment service provider in the UK, offering scalable payment processing solutions with a focus on reliability and security. The company provides a range of services, including a payment gateway and various payment options, while ensuring PCI DSS compliance and advanced fraud prevention measures. With a rapidly growing merchant base and transaction growth exceeding 50% annually, SecureTrading aims to expand further into European and US markets.

1. Corporate Presentation 2010

2. Who we are...Overview2

3. About SecureTradingEstablished & IndependentEstablished in 1997 One of the longest established PSPs in EuropeUK’s leading independent PSPScalable & FlexibleFully scalableFully hosted or client hosted payment pagesMulti-Channel PaymentsSystem can process 1 billion transactions per yearSecure & Reliable100% reliability – guaranteedPCI DSS Level 1 Accredited3-D Secure across all acquirersBlue chip merchant base across a variety of sectorsGrowing FastTransactions have grown over 50% in last 12 monthsExpanding into Europe & USOur merchants are growing faster than the industry*3*Compared to IMRG E-Retail Index

4. Organisational Structure4

5. What we do...Overview5

6. Constellation of Services6My-ST Transaction ManagementSecureTrading Fraud ScoreSecureTrading Merchant Account ServiceSecureTrading Card CheckSecureTrading Payment GatewayPayment ProcessingPCI DSS SolutionsSecureTrading Card StoreAlternative Payment: ELV, iDeal, PayPal, SofortüberweisungUkash etc.

7. Constellation of ServicesPayment ProcessingAccept credit cards and debit cards100% guarantee on the availability of our payment gatewayReduced acquiring rates through Merchant Account ServiceAlternative Payment MethodsEuropean methods such as ELV, iDeal and SofortüberweisungPayPal & UkashCounter-Fraud ServicesBIN range checksRisk assessment via Fraud ScoreIdentity &Age VerificationReportingReal-time multi-user transaction management system7

8. Integration & Products8Banking Layer SecureTrading Merchant Account ServiceCardIssuersAlternative Payment MethodsDCCELVGE MoneyiDealIkanoMobilePayPalSofortüberweisungUkashVisa, MasterCard, American Express, Discover & JCBAcquiring BanksAIB, Bank of Scotland, BMS, B+S, Elavon, EMSCard, HMS, LloydsTSBCardnet, PostBank, Streamline, etc.Technical Layer SecureTrading Payment GatewayAPI, Xpayor SOAPMerchant SiteSecureTradingPayment PagesOnlineOnlineMOTOMOTO

9. Payment Processing9MERCHANTMulti-CurrencyDebit & Credit CardsMail Order Telephone OrderPayPal & UkashELV, iDealetc.Mobile PaymentsRecurring PaymentsMOTOOnlineMobile128 bit SSLTheInternetReal-Time Counter-Fraud Services3-D SecureAVS & CVV2Identity CheckAge VerificationCard BIN CheckFraud ScoreTransactions DatabasePayment GatewayReporting DatabaseReporting and Counter-Fraud ServicesSettlement DatabaseSecureTrading SupportAuthorisations – APACS 30Settlement Delivery SystemSettlements – APACS 29Acquiring Banks

10. InfrastructureFully redundant, dual site configuration delivers unmatched availability10MERCHANTMulti-CurrencyMOTOOnlineMobileThe InternetPayment Site 2Payment Site 1P a y m e n t G a t e w a y sP a y m e n t G a t e w a y sTNSX25ISDNTNSX25ISDNA c q u i r i n g B a n k sA c q u i r i n g B a n k s

11. Acquirers & Payment TypesAcquirersAllied Irish BankAmerican ExpressB + SBank of IrelandBank of ScotlandBarclaycard BusinessChase PaymentechClydesdale BankElavonEMS CardHSBCLloydsTSB CardnetPostBankRoyal Bank of ScotlandNatWestStreamlineUlster BankSantanderState Bank of MauritiusYorkshire BankPaymentTypesAmerican ExpressCarte BancaireCarte BleueDankortELVEuro 6000GE MoneyiDealIkanoJCBLaserMasterCard (with MasterCard SecureCode)MaestroSoloMultibancoPago BancomatPayPalServiredSofortüberweisungVisa (with Verified by Visa)Visa DebitVisa ElectronUkash & Ukash Neo11

12. Shopping CartsActinicBazaarBuilderBigCommerceBluepark CartBoxharryCactuShop ASP CannyBillCBJ Digital e-commerceClickCart ProComersus CartCubeCartDansie Shopping CartDrupalÜbercartEasywebstoreEkmpowershipePages 5ErolEvolveGet TrolleyedImetaIntershop 4InterspireInstant-ShopJshop ProfessionalLemonStandLite CommerceMagentoMal’s E-commerceNetbopOpenCartosCommercePace RetailPrestaShopQuikstore 3.0RezEasy (Hallisoft)RomanCartSite LauncherStorespriteTradingeyeVirtueMartVP-ASPV---SystemsTMBizpro 2.0Web WidgetsWhite-Box SolutionsX-CartZen Cart12

13. PCI DSS Requirements13The PCI DSS, a set of comprehensive requirements for enhancing payment account data security and cover the capture, transmission and storage of credit and debit card numbers

14. Any merchant trading online must do so in a PCI DSS compliant mannerPCI & IntegrationPayment PagesRemoves the need for Merchant to be PCI compliant as:SecureTrading captures, transmits and stores the card data securelyPayment Page is fully customisable:Payment Pages PlusYou may also want to ensure that your URL is the one seen by the customer throughout the entire process. Payment Pages + can deliver this. Payment Page is hosted on our site, but through DNS mapping, your URL is the one displayed to the customer, making it appear that the customer never leaves your site. To take advantage of this option you will need to purchase an SSL certificatePayment Pages iframeA simple and easy way of achieving the same effect is to map our Payment Pages into an iframe on your site. Your customer never moves from your URL. 14

15. If you wish to use your own secure server you need to be PCI compliantSecureTrading APISecureTrading Card StoreAllows the capture of customer information including credit card details without the need for a transaction authorisationTokenisation Built InAs above, but requires a transaction authorisation BothProvide 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 detailsEliminate the need merchants to send sensitive card details to acquirers via SecureTradingRemove the need for you to store the card number, reducing your PCI compliance effortPCI & Integration15

16. If you wish to use your own secure server you need to be PCI compliantSecureTrading XPayThrough XML and Java or SOAP it enables:Automated refunds and reversalsControl of settlement schedule for each transactionDevelopment capabilities to write applications to process paymentsIntegration of payments into back office or legacy systemPCI & Integration16

17. Who we do it for...Client Brands17

18. ClientRetailBetterwareCoastDollond & AitchensonFilofaxGreat Little Trading CompanyHarvey NicholsHenri LloydJane NormanKaren MillenMachine MartMatalanMatchesMulberryOasisRobert DyasRymansTimpsonT.J. HughesVivienne WestwoodWarehouseWhistlesTravel, Leisure & TourismAddison LeeBlackpool Pleasure BeachDeVereFantasy LeagueJD WetherspoonMerlinAlton TowersChessington World of AdventuresLegoland WindsorLondon DungeonMadame TussaudsThorpe ParkWarwick CastleScottish City LinkVirgin BalloonsTelecomsASDA MobileIkea Family MobilePhones4UO218

19. ClientsCharitiesAge UKAmnesty InternationalBMY CharityBreakthrough Breast CancerBreast Cancer CareCancer ResearchMuslim AidRed CrossRNIDRNLISave the ChildrenScopeSenseShelterSue RyderTearfundUNICEFWoodland TrustWWFFinanceCapstone MortgagesCitroen FinanceHonda FinancePeugeot FinanceEducationCardiff UniversityComputeach InternationalLiverpool Law SocietyLondon Business SchoolNational Design AcademyNational Film & Television SchoolParentPayScolarestStoke Mandeville Combined SchoolTumble TotsHealthAllergymattersBraceys PharmaceuticalsContact Lenses LtdD & A OpticiansHealth Protection AgencyJordansRyvitaNational Eyecare GroupSchwabePharma (UK)Uni-Vite Healthcare19

20. TestimonialsHarvey Nichols“SecureTrading provide a responsive, stable and efficient e-payments service with very high availability”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.”20

21. What Next?21

22. The FutureSecureTrading is a profitable business with transactions processed growing at over 50% per annum.We help our merchants to grow. Our merchants are growing faster than the industry* We intend to remain as the leading UK provider through continual investment in people, R&D and our infrastructure. For more information contact:The Sales Team0800 028 9151sales@securetrading.com22*Compared to IMRG E-Retail Index