GLOBAL PAYMENT SERVICES Full Service Transaction Capabilities for Travel Operators. Comprehensive. Flexible. Secure. Future-Proof.

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1 Full Service Transaction Capabilities for Travel Operators Comprehensive. Flexible. Secure. Future-Proof.

2 GuestLogix Global Payment Services As the world s most popular transaction processing platform for onboard ancillary revenues, GuestLogix has supported travel operators the world over with comprehensive payment services for their global operations. With the world s leading airlines utilizing GuestLogix Transaction Processing Engine (TPE), virtually any payment method is able to be securely processed in any currency, via any access point, at any travel touchpoint, and in any connectivity scenario. Travel Operators partnering with GuestLogix benefit from having full payment capabilities today while being completely future-proof for tomorrow. Compliance and Security that ensure your confidence Travel operators rely on the compliance and security GuestLogix provides, whether supporting the payment processing of a Buy-on-Board program, Duty-Free program, Inflight Entertainment System or Mobile Ticketing initiative. GuestLogix holds more payment and travel industry certifications than any other provider in the market. Our global customer base has driven 82 payment and travel industry certifications ensuring that our end-to-end payment services are the most compliant and secure in order to safeguard our customers and their passengers. Comprehensive & Flexible Payment Services Accreditation with a vast portfolio of global merchant banks Acceptance of all major card schemes such as Visa, MC, American Express, Discover, Diners, JCB and China Union Pay Acceptance of other payment methods such as loyalty points, epayments, micropayments and stored-value cards Support for multiple Merchants of Record (MOR) to allow for multiple vendors to sell through a travel operators retail operation Flexible Integration With Numerous Payment Vehicles GuesLogix Transaction Processing Engine has been designed for flexible integration with: Travel-related payment vehicles such as Loyalty Programs Airline Electronic Miscellaneous Documents (EMD) as a form of payment It is our daily endeavour to ensure each customer is safeguarded no matter where they are or what they want to transact. Narayanan Raman Director, Product Platform, GuestLogix Inc. Supported Payment Mediums: Credit Cards Cash Loyalty Cards Coupons Pre-payments Complimentary Micro-Payments Platform Capabilities Electronic Funds Transfer (EFT) Client for Payments systems and any other transaction types initiated by card technology Streamlined operations and strengthened security using the fast, resilient capabilities of current IP communications networks Applications are built in Java for maximum portability JDBC connectivity to industry-standard databases GuestLogix Global Payment Services Full Service Transaction Capabilities for Travel Operators

3 One Complete Payment Processing Platform The GuestLogix Payment Processing Platform has been designed and developed by a team of industry professionals and is the underpinning of our trusted retailing solutions. Millions of transactions pass through GuestLogix industry-leading Payment Platform, spanning the entire globe. GuestLogix enables transactions serving over 1 billion passenger trips each year, supporting a customer base across the Americas, Europe, the Middle East and into Asia. Our industry-leading Payment Platform has afforded GuestLogix the ability to respond quickly to emerging technology, evolving security and card scheme standards. Our solution is tailored by geography, consumer demographics and aligned to meet any travel operator s revenue goals. Credit Where Credit is Due Regardless of location around the globe or whether on the ground or 35,000 feet in the air, GuestLogix offers the most stringent card payment capture and authorization in the travel industry. Enabling Card Present (CP), Card-Not-Present (CNP) or ecommerce transactions, the GuestLogix Solution is accredited with a generous portfolio of merchant banks around the world to provide acceptance of all major card schemes. Global Transaction Processing Tools to Streamline Payments GuestLogix platform supports acquirers, processors and merchants across multiple countries and regions. The GuestLogix solution has taken out the complexity of dealing with multiple currencies around the world by developing a suite of Global Transaction Processing tools to help merchants accept payments internationally in local currencies. GuestLogix flexible gateway service allows merchants to securely process transactions from around the globe using a variety of robust, PCI Compliant processing tools, including credit card tokenization options and comprehensive risk management tools. This enables its customers to transact world-wide and accept currencies preferred in the geography they are transacting in. The solution also supports the ability to lock currency acceptance by store, user, vendor or leaving it completely open and flexible. The clearing and settlement services offered by the platform are built using an inherently flexible, portable and scalable architecture. Credit Card Payment Methods: EMV transactions (both Chip & PIN and Chip & Signature) Non-EMV (swipe) transactions Contactless card transactions Mobile-based Near Field Communication (NFC) transactions e-commerce transactions Credit Card Acceptance: Offline Batch Online Real-time Mixed: Online/Offline Page 2

4 Secure, Flexible Credit Card Transactions to Drive Your Growth Supporting Evolving Industry Standards & Consumer Preferences By leveraging the most advanced technology with the largest network of global relationships and payment certifications, the GuestLogix Global Payments Solution is offering the passenger travel industry the capability necessary to successfully operate and excel in this sector. Offering the passenger travel industry the ability to securely process payments anywhere a traveler may be Enabling travel operators to offer flexibility as merchants to customers Ensuring accommodation of any payment method with any existing or emerging payment mediums Payment Acceptance models are driven by both payment industry standards as well as the preferred payment mediums and methods of consumers. As new payments come to market, merchants must equip themselves with the architecture required to support the ever-changing industry and GuestLogix will allow them to seamlessly adopt changes. Recover Lost Funds With No Risk Declined Cards Recovery In the airline world, credit card transactions are primarily conducted in an offline mode. It is natural that credit card transactions get declined due to a wide variety of reasons and leaving such declined funds unclaimed, affects the airline s operation and bottom line. In many instances, lost funds due to declines can be recovered by attempting authorizations at a later time. GuestLogix has designed and integrated new technologies that enable proper business intelligence to be leveraged in order to identify any declined cards and appropriatly recover them. Recoveries of lost funds have reached as high as 50% with multiple customers and it is a zero-risk, passenger unintrusive pure-benefit option. Features of the service include: Configurable frequency of re-submission of declined transactions Configurable number of re-submission attempts Non-intrusive methodology without any direct involvement with card holder or merchant Detailed and summary reporting to show funds recovered from the process GuestLogix Global Payment Services Full Service Transaction Capabilities for Travel Operators

5 GuestLogix Global Payment Services Protect Your Interests Fraud Risk Prevention and Monitoring While offering the flexibility and variety in payment processing, GuestLogix strongly believes in protecting the interests and revenue of its customers. In doing so, we have implemented a wealth of preventative tactics in order to safeguard your operations. GuestLogix minimizes fraud risk by implementing techniques such as: Standard Card Verification tools using industry approved services like CVD (also known as CVV2 or 3-digit verification) Transaction Security & Validation Options and intercepting questionable transactions before a purchase is approved using techniques like of RSA 2048 bit encryption, MD5 or SHA-1/SHA-2 hash validation and more Floor and Ceiling Limits as well as forcing capture of signatures for amounts greater than the configured threshold. We also support voice referral for authorization of transaction above set limits Payment Card Blacklist - GuestLogix works with a global assortment of payment authorities to bring its customers location-specific blacklists that can be uploaded to your POS devices in order to deny acceptance of a card that is suspected of fraudulent use GuestLogix Hot List GuestLogix has gone one step further to ensure its customers safety by taking known data processed through its Transaction Processing Engine (TPE) and generating a proprietary blacklist of frequent card declines seen across its global customer network. This Hot List uses a set of algorithms that allows travel operators to prevent purchase attempts with cards that have been used and declined on multiple occasions and meet a certain threshold deemed risky to any of our customers. Similar to the standard Payment Card Blacklist, integrating this new service enhancement into your operations is easy and the positive impact to your revenue line will be visible almost immediately Fully Outsourced Payment Service Solution GuestLogix is in the unique position to act as the Merchant of Record (MOR) for your operations and manage your entire payments portfolio for a simple all-inclusive transaction fee. Keeping true to our original commercial model, this will allow you to outsource your payment services with no upfront costs thereby alleviating heavy financial burdens at implementation. The fully outsourced next-generation platform has been architected to transition the travel industry from its current onboard environment to one that has greater functionality, security, stability and scalability. Page 4

6 Enable Payments Through Any Medium Cash Our platform offers complete support for cash acceptance and cash management solutions. Our POS solutions allow acceptance of multiple currencies and manages automatic conversion based on defined currency conversion rates. Our Cash Management Module allows our customers or other third- party collection agencies to record and audit cash collected across the operation and across multiple currencies. The module also allows for generation of bank deposit slips as well the ability to integrate with other financial systems. Loyalty Cards Loyalty cards can be seamlessly integrated into our solution. This offers our customers the ability to provide discounts and / or promotional benefits to their consumers. Besides the ability to capture Loyalty card information, we already have the capability to integrate with external systems and passing Loyalty information collected during the sales process. Coupons The platform allows for acceptance and processing of coupons. This includes both physical (paper or other) and digital coupons. This feature enables our customers to allow its consumers to purchase products using a value coupon or for a free product. We also support generation and acceptance of digital coupons that can be used for post-purchase fulfillment. Pre-Payments The solution supports pre-payments where consumers pre-pay for services offered by our customers. We support acceptance of Prepaid or Gift cards within the solution. Pre-payments can also be in the form of a voucher or a token. Tokens can be generated well in advance of the use of the service from the customer s web-site and is highly secure preventing fraudulent use. Complimentary A very typical feature offered by most of our customers in the onboard retail space, our solution supports complimentary transactions with the ability to track and reconcile all complimentary transactions. TPE Compatibility With Multiple Hardware Deployments GXI Transaction Processing Engine works on multiple hardware platforms and includes: SmartPOS on mobile devices (smartphones & tablets) Point-of-Sale (POS) handheld devices Seatback screens and other In-Flight Entertainment (IFE) Systems Kiosks GuestLogix Global Payment Services Full Service Transaction Capabilities for Travel Operators

7 Solution Component Features Comprehensive Portfolio of State-of-the-Art Tools GuestLogix payment solution is complete with both hardware and software components. With more than 40,000+ deployed devices around the world, we have designed and developed the strongest, most efficients tools to accompany our Global Payment Services. POS Hardware (Handheld Devices) Certifications: FCC CE Mark PTCRB RTCA-DO PTCRB EMV Level 1 EMV Level 2 PCI-PED 2.0 / PCI PTS 3.0 UK Payments Administration Common Criteria 2.3 EAL 4 PA-DSS Specifications Lightweight ruggedized devices Single-hand design Touch screen LCD 1D or 2D barcode scanner Integrated thermal printer Key Pad Li-Ion rechargeable battery Bi-directional triple track MSR Chip & PIN Capability Contactless and NFC Readers GSM, CDMA, WiFi communication USB port 3.0 Megapixel Camera (some models) Power Save Mode when device is not in use POS Software Secure Login Initialize and Open Store Transact in the Store - Select products / quantity (Manual / Barcode Scan) - Create Shopping Cart with ability to view, edit and delete - Support for Destination Deals -Support for Promotions Application of taxes as applicable Payment Acceptance - Cash - Credit Card / Debit Cards - Vouchers / Coupons - Complimentary - Travellers Cheques - Capture Loyalty information Crew Discounts Crew Commission calculations Inventory Control Printing / of Receipts / Vouchers / Tickets Detailed reporting of Sales / Inventory Secure transmission of sales and payment data Messaging and Alerts to Crew regarding promotions, discounts, and operational changes Back Office Software Secure Login Management of: - Stores / Shelves - Products / Pricing - Currencies & Exchange Rates - Payment Acceptance Methods - Provisioning - Assortments - Promotions - Taxes - Operators / Suppliers / Vendors - Merchant of Record (MOR) definitions Merchant Functions - Authorization - Settlement & Clearing Automated Data Reconciliation for: - Inventory - Cash - Card Payments Reporting: - Inventory - Sales - Payments - Reconciliation and Discrepancy Analytics: - Executive Dashboards - Drillable Reports - Alerts Integration - Airline Systems - Other Third Party Systems Page 6

8 RETAILING ON THE MOVE requires a sophisticated set of payment capabilities. By leveraging the most advanced payment technology with the largest network of global relationships and payment certifications, GuestLogix Global Payments Services offers the passenger travel industry the capability to transact with the security, flexibility and globalization necessary to operate and excel in this sector. Becoming a leader isn t just about being good. It s about being able to foresee the needs of an ever-changing industry and being there to meet requirements beyond those needed today. GuestLogix is proud to be a true leader and is ready to enable your new revenue streams. About GuestLogix GuestLogix Inc. (TSX: GXI), is a global leader in comprehensive retail solutions delivered to the passenger travel industry, both onboard and off-board. Bringing over a decade of expertise as the industry s most trusted onboard transaction processing partner to airlines, rail operators and elsewhere in the passenger travel industry, GuestLogix powers the industry s growing reliance on ancillary revenue generation. Both direct to operators as well as through partnerships with global leaders in catering, duty-free, inflight entertainment and self-service retail experts, the Company provides the payment services touching over 1 billion travelling consumers each year. GuestLogix' global headquarters and centre for product innovation is located in Toronto, with regional head offices located in Dallas, London and Hong Kong. More information is available at HEAD OFFICE 111 Peter Street, Suite 302, Toronto, ON M5V 2H1 Tel: EMEA Lily Hill House, Lily Hill Road, Bracknell, Berkshire RG12 2SJ Tel: AMERICAS Quorum Place, 4901 Quorum Drive, Suite 565, Dallas Texas Tel: ASIA-PACIFIC , Tower 1-Grand Century Place, 193 Prince Edward Rd. W H.K. Tel: SALES INQUIRIES sales@guestlogix.com PLEASE VISIT