ACFS PRODUCT FLYER. Its modular architecture allows a tailored integration, with a short time-to-market for different payment methods.

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1 PRODUCT FLYER Internet Gateway Financial Systems is a modular software suite designed to support financial institutions and enterprises, providing a single interface for the optimized management of e-commerce transactions, allowing merchants to accept international credit and debit cards, local debit cards, e-wallets and bank account transfers. Its modular architecture allows a tailored integration, with a short time-to-market for different payment methods. Copyright N&TS GROUP All rights reserved.

2 PRODUCT FLYER - Internet Gateway Financial Systems Scenario E-commerce is growing rapidly, with a significant expanding trend. The peculiarities of this channel require high security standards to protect merchants along with all the stakeholders involved in the process. This may not always be straightforward, since companies have to face the complexity of managing multiple circuits, payment streams, currencies and languages. The physical absence of card and cardholder rule out traditional swiping or chip-and-pin verification systems, and requires authentication methods different from face-to-face dynamics. The PCI (Payment Card Industry) Council places strict rules and guidelines on the required security, since breaches potentially damage trust in the entire industry: these rules are enforced with terms of liability that place responsibility on the player with the lowest level of PCI compliance. Further complexity is added to this scenario by the differences in the authentication process determined by geographical area - in Europe the 3D-secure standards are widely adopted, while in the US cardholder authentication typically occurs through personal data. In a multi-acquiring scenario, variable fees can add up to generate a bulk of hidden costs that hinder the smooth flow of business processes and reporting. E-commerce payments in particular require special attention because of the necessity to acquire and store sensitive customer information, that is then used for all future transactions. Tokenization successfully solves this security issue by storing locally only an image (a token ) representing the actual data, which is recalled from the secure processing server only when needed for an authorized transaction. role in the Financial Systems Suite DEVICE MANAGEMENT CHANNEL MANAGEMENT ON-LINE PROCESSING OFF-LINE PROCESSING EMV & MAGNETIC CARD CARD PRESENT FRONT OFFICE BACK OFFICE mobile commerce FTFS dealer stations top up loyalty programs pin-pad manager FTFS POS manager authorization private circuits signature capture FTFS ATM manager fraud prevention card preparation acquiring clearing settlement CARD NOT PRESENT switching statement management GRFS M.O.T.O. gateway application based payment requests MTFS recurring payments e-commerce gateway international payment networks core accounting systems 1

3 PRODUCT FLYER Scheme MERCHANT PLUGIN REPORT AND DASHBOARD E-COMMERCE GATEWAY TOKENIZATION BUY NOW FRAUD PREVENTION DOMESTIC DEBIT Technical Features can be deployed in Java/Oracle environment. product features include: E-commerce Payment Gateway Authorization and reversal Sales Charging & credit Multi-acquiring dynamic management Buy Now Tokenization One-click buy Pan aliasing Real Time Fraud Prevention Wallet Management Payment by Bank Account (MyBank and Sofort) APIs: Dot.Net, Java, PHP Web Content Management System integration (Magento, Wordpress) Single Interface for different payment methods Merchant back-office Dashboard interface Reporting tools 2

4 PRODUCT FLYER Benefits at a glance: Finance Manage multiple merchants Manage multiple platforms Scalability Manage multiple payment methods from a single dashboard Savings on integration costs Savings on certification costs PCI PA-DSS certified product Real time fraud prevention Enterprise Reduction in merchant fees Independence from a single acquirer Continuity of service in case of acquirer downtime Manage multiple payment methods from a single dashboard Savings on integration costs Savings on certification costs PCI PA-DSS certified product Real time fraud prevention Financial Institutions benefit from the innovative and modular technology of the N&TS Financial Systems suite, with significant savings in integration costs and scalability. Enterprises leverage the flexibility of the N&TS Financial Systems suite to choose the preferred routing of all the transactions in the system - this multi-acquiring option allows cost savings and empowers merchants in their relationship with acquirers. Security & Compliance Certifications N&TS Financial Systems suite protects personal data through the proprietary key management module JSSM. JSSM manages and stores cryptographic material used by the Financial Systems suite and implemented on the N&TS JTMS framework. JSSM is certified according to PCI DSS standards for the protection of sensitive data processed during transactions. PCI PA-DSS PA-DSS FOR ALL PRODUCTS 3

5 PRODUCT FLYER Scheme Financial American Express Cup Diners Discover Domestic Debit JCB Maestro Mastercard Visa Wallets Masterpass PayPal V Pay V.Me Bemoov Acquirers BancaSella BNLPOSitivity Cartasì Iccrea Setefi Unicredit Cross-Border Acquirers BarclayCard ChasePaymentech Credorax Elavon Evo SixMultipay Worldpay Licensing & Services Licensed N&TS GROUP offers perpetual licenses (one time cost), on-going maintenance (H8/H24), support services, and application management (H8/H24) to clients that choose to host our products in house. Hosted N&TS GROUP provides hosting on PAYS GROUP certified sites, solving the issue of PCI compliance for enterprises. This solutions includes: complete configuration, monitoring, and third-party relationships. Please don t hesitate to contact us should you have any questions or require further information. Our team will gladly support you in your needs assessment. N&TS GROUP is committed to providing a fully certified and secure environment to its clients. N&TS itself never charges a fee for transaction, so the ROI of the product is fixed and easily measurable. The Financial Systems suite also leverages 20 years of international experience: our clients will find in N&TS a trusted partner accustomed to working with multiple countries, currencies, languages, and domestic debit circuits. 4

6 PRODUCT FLYER N&TS GROUP is a leader in the payment processing industry and the first provider in the world to certify its modular technology for Point-to-Point Encryption (P2PE). N&TS GROUP software suites have reached maturity through more than 20 years of experience in the market and a commitment to security and compliance. Today N&TS GROUP is actively managing transactions in card-present and card-not-present environments, in multiple currencies and in both global and local debit circuits. N&TS GROUP is the trusted partner of financial institutions and large enterprises that need to process multi-channel transactions with simplicity and security. N&TS GROUP headquarters are located in Milan and the company has branches in both Europe and North America, with offices in London and Miami. Our software industry process is compliant with the PCI Level 1 and ISO 9001 standards, certified by TUV. CORPORATE HEADQUARTERS REGIONAL HEADQUARTERS - UK REGIONAL HEADQUARTERS - USA Milan MilanoFiori Strada 4 Palazzo A Assago (MI), Italy Tel marketing@netswgroup.com London 1 Victoria Street Windsor SL4 1YB, UK Tel marketing@netswgroup.com Baltimore 100 West Road - Suite 300 Towson, MD Tel marketing@netswgroup.com