Yespay International Limited is a global provider of chip & pin and e-commerce card payment services, focusing on managed payment solutions for various sectors. The company, founded in 2002 and headquartered in London, offers a PCI DSS accredited service with a recurring revenue model, enabling retailers to reduce compliance costs significantly. Yespay partners with numerous banks and solutions companies to deliver high-speed, secure processing services, allowing merchants to enhance productivity and streamline operations.

1. YESpay International Limited Group Corporate Presentation Global Provider of Chip & PIN & E-Commerce Card Payment Service

2. Agenda YESpay Corporate Highlights Customers – Merchant Business Drivers Solution – YESpay EMBOSS Payment Service Operations

3. Corporate Structure 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

4. Corporate Highlights 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

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

6. Customers - References dolcis

7. Customers - Merchant Business Drivers 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?

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

9. Customers - Outsourcing Card Payments Operations costs significantly reduced too A Overall compliance costs reduced by over 65% A

10. PCI Accredited Card Payment Services Managed Service Pre-Accredited PCI:DSS compliant Powered by EMBOSS from YESpay International Ltd

11. Merchant EPOS with YESpay Card Services (Detail)

12. Features 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

13. Supports 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

14. Reporting Portal 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

15. High Availability - Service Level Agreements 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)

16. Benefits – YESpay Service Benefits 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

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