The Only Proven Solution That Maximizes Revenue And Eliminates Fraud REGULATORY COMPLIANCE FRAUD REVENUE OPTIMIZED CUSTOMER EXPERIENCE MERCHANT Includes tokenization, processing, fraud and chargeback management, indemnification. OVERVIEW: Designed to increase conversion and acceptance while completely eliminating fraud, vGuaranteed™ payments offers online merchants of digital goods an entirely new solution to the risk of Card-Not-Present (CNP) transactions. vGuaranteed delivers the industry’s only single-point payment service with complete protection from fraudulent transactions — removing all chargebacks, fines and fees to provide a steady, predictable, and increased revenue stream. Proven over the last 20 years in processing CNP transactions for the world’s largest and most demanding customers, vGuaranteed optimizes the consumer experience across multiple channels. Powered by the proprietary fraud management technology of Vesta’s vSafe™ payments platform, it lowers the number of declines and increases conversion while streamlining operations and reducing compliance burdens. KEY FEATURES: PAYMENTS • Single-source payment solution proven to increase conversion and acceptance for digital goods purchases • Industry’s lowest false-positive ratio increases order acceptance • Standardized pricing includes processing, tokenization, gateway and network fees, and fraud services • No decline fees, chargebacks, fines or any other fees • 100% guaranteed funds for accepted transactions increases revenue KEY FEATURES: OPERATIONS • Integrated design eliminates overhead of third-party tools, in-house fraud teams, and manual reviews while improving performance • Dashboard provides full visibility to detailed settlement reporting • Enhanced customer experience translates to lower churn and improved loyalty across multiple channels REAL-TIME PROTECTION: Vesta’s industry leading vSafe™ payments platform provides merchants with a new, proven alternative to time-consuming in-house fraud operations or limited third-party services. vSafe’s proprietary fraud technology combines a rich, multi-layered feature set with teams of data scientists and analysts who continually monitor threats and tune the platform’s performance in real-time. This robust CNP solution enables Vesta to recognize fraud as it happens, not after it has occurred.

1. This document contains confidential and proprietary information of Vesta Corporation. Recipient’s (i) reproduction or use for any purpose other than business
discussions between the parties and/or (ii) disclosure to any third party through any means are prohibited without the express written consent of Vesta Corporation.
Vesta Corporation:
E-Commerce Solution Overview
Presented to

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Vesta Corporation / Proprietary and Confidential Slide 2
INNOVATIVE: Vesta Corporation is the industry
leader of card-not-present (CNP) payment
solutions for the world’s biggest brands.
STABLE: The company began in 1995 as a
pioneer in developing large-scale prepaid
programs for the telco industry. Today, we
support CNP e-commerce payments for telco,
digital, media, and financial customers in
both high-risk and mainstream markets.
PROVEN: We have guaranteed over 1B CNP
transactions to date and processed over
$10B in 2015.
About Us
800+ employees support hundreds of merchants in the Americas, Europe and Asia
DUNDALK,
IRELAND
ALPHARETTA,
GEORGIA
PORTLAND,
OREGON

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Vesta Corporation / Proprietary and Confidential Slide 3
Our Solution
• Zero fraud, chargebacks and liabilities
• Single-source, integrated processing and risk management solution
• Patented fraud and risk management technology recognizes fraud as it happens
Guaranteed payments enable a steady, predictable revenue stream
E-Commerce Telco E-Tickets Streaming Media
Digital Downloads Online Gaming Digital Gift Cards Cable/Utilities
Differentiated, Value-Add Capabilities Across Multiple Verticals

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Vesta Corporation / Proprietary and Confidential Slide 4
Supporting E-Commerce Around the Globe

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Vesta Corporation / Proprietary and Confidential Slide 5Slide 5Vesta Corporation / Proprietary and Confidential
Introducing Guaranteed Payments
Powered by Vesta’s proprietary
vSafe™ payments platform,
consumer databases, and
analytics capabilities
Increases
Acceptance
Rates
Eliminates
Fraud
Lowers
Operational
Costs

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Vesta Corporation / Proprietary and Confidential Slide 6
Eliminates Fraud
The result: Zero fraud. Zero chargebacks.
Zero fines and fees.
Vesta’s patented, hybrid risk management
system utilizes real-time data and people
to recognize and stop fraud as it happens.
Leveraging advanced modeling, patented
technologies, and proprietary big data
analytics, Vesta’s dedicated fraud scientists
continually monitor fraud patterns and
trends across clients and industries.
MULTI-LAYER
FRAUD PROTECTION
ALLOWS VESTA TO
GUARANTEE FUNDS
FOR ALL ACCEPTED
TRANSACTIONS
IN REAL TIME.

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Vesta Corporation / Proprietary and Confidential Slide 7
Increases Acceptance Rates
Case Study:
DIGITAL STREAMING MERCHANT
Acceptance Rate 40% 70%
Estimated Annual Gross Revenue* $47,520,000 $83,160,000
Cost per Transaction 6.25% 5%
Savings $596,160
Net Revenue $44,547,840 $79,002,000
Instead of tightening acceptance parameters to lower fraud,
Vesta continually monitors and reviews transactions to
maximize the number of “good” transactions.
*Based on average ticket of $99
Real Time.
Frictionless.
Guaranteed.
SINCE WE ARE ONLY
PAID ON APPROVED
TRANSACTIONS,
WE ARE FISCALLY
ALIGNED WITH OUR
CUSTOMERS.

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Vesta Corporation / Proprietary and Confidential Slide 8
Lowers Operational Costs
Unlike complex multi-vendor solutions, Vesta offers a
comprehensive “one-stop shop” alternative for merchants.
vGuaranteed removes the need to manage multiple vendor
and processing relationships, disparate payment platforms,
fraud tools and teams, and engineering resources.
A NATIONAL SURVEY
OF 500 MERCHANTS
REVEALED 13-20% OF
TOTAL OPERATIONAL
BUDGETS GOES TO
FRAUD MANAGEMENT.
*Javelin Research, 2015:
“The Impact of Fraud and Chargeback Management on Operations”
Integrated.
Efficient.
Scalable.
VESTA’S TURNKEY
PAYMENTS AND RISK
MANAGEMENT
SOLUTION IS
BUILT TO SCALE
AS YOUR
BUSINESS GROWS.

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Vesta Corporation / Proprietary and Confidential Slide 9
Vesta: Single-Source, Complete Solution Provider
Multiple vendors; disparate
technologies
Higher risk, lower acceptance,
reduced revenue
100% responsible for chargebacks,
fines and related fees
Internal management of payments,
fraud tools, multiple teams
Increased overhead, reduced
efficiencies

Multi-Vendor Solution
Single-source provider of integrated
payment processing and risk
management solution
Zero fraud, increased acceptance,
guaranteed funds
No chargebacks, fines or fees enable
predictable revenue stream
Unlimited scalability: built to support
business growth and market needs
Lowers operational overhead,
increases revenue
vGuaranteed Solution
COMPREHENSIVE COMPLEX





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Vesta Corporation / Proprietary and Confidential Slide 10
• The established global leader in providing guaranteed payments
• Increases acceptance, conversion, and revenue;
eliminates all chargebacks, fines, and fees
• Patented fraud technology that recognizes
fraud as it happens, not after it occurs
• Decades of experience supporting the
world’s largest brands by guaranteeing
payments with zero fraud in real time
Looking for e-commerce payments innovation — Trust Vesta.
Vesta: Eliminating Fraud, Increasing Revenue

11. Corporate Offices
AMERICAS
4400 Alexander Drive
Alpharetta, GA 30022 USA
Tel: 678.222.7200
11950 SW Garden Place
Portland, OR 97223 USA
Tel: 503.790.2500
Av. Américas 1536 1A
Col. Country Club
C.P. 44637
Jalisco, México
info@trustvesta.com
EUROPE
Vesta Building
Finnabair Business Park
Dundalk
Co. Louth
Ireland A91 E934
Tel: +353 (0)42 939 4600
info.ireland@trustvesta.com
CHINA
Peng Run Building
No. 6 Ji Qing Li Road, Unit B603
Chaoyang District, Beijing
100020 P.R. China
Tel: +86 10 65525508
info.china@trustvesta.com
www.trustvesta.com
Thank you

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Vesta Corporation / Proprietary and Confidential Slide 12
Total Payment Costs: A Comparison
5%
Guaranteed Payments
Fraud and Regulatory Compliance Management
Standardized Pricing*
Integrated Solution
2-3%
2%2%
Payment Processing
ID, Fraud Tools, PCI
Overhead
Non-Integrated Solution
*Total price may vary based upon risk and transaction volume

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Vesta Corporation / Proprietary and Confidential Slide 13
Vesta’s Security Technology Platform
Advanced Security
Event and Info.
Management
(SIEM)
Security
analytics
Next-generation
security gateways
Intrusion detection
and prevention
File Integrity
Monitoring (FIM)
Whitelisting
technology for
critical systems
PCI-ASV scanning
[PCI-Approved
Scanning Vendor]
Third-party security
testing and review

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Vesta Corporation / Proprietary and Confidential Slide 14
Patented Unified Fraud System™
• Dedicated team of fraud scientists and engineers builds
industry leading predictive models; best-in-class
decisioning platform, monitoring and alerting system;
machine learning; and advanced heat-maps
• Patented, hybrid solution incorporates technology and a
7x24 department of fraud analysts who research and
monitor ongoing fraud trends
• Continually updated by automated and hands-on, real-
time data collection, monitoring and analysis
• Integrated rules-based and neural network engine
focuses on recognizing CNP fraud behavioral patterns
• Analyzes more than 600 different elements for each
transaction decision
• Sub-second (<4/100 of a second) decisioning improves
acceptance rate