1. Mission. Fairness, Transparency and Trust. Fairness It is our daily task to provide clients with competitive rates to keep

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1 WE PAVE YOUR WAY

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3 1. Mission Fairness, Transparency and Trust...are the main principals that Euro Payment Group stands for! Fairness It is our daily task to provide clients with competitive rates to keep them one step ahead of their competition. Based on our fairly large overall processing volume we are able to negotiate favorable rates at potential acquirers world-wide. Transparency Our sophisticated reporting system combined with analytical monitoring tools assure our customers best possible transparency. Trust Our reputation speaks for itself. Euro Payment Group has never been late on a merchant payout while successfully managing several IPSP accounts at different acquirers. We have been conducting successful business for several years now and our focus is set on long-term business relationships. Our PCI compliant gateway meets all standards of online payment security and our fraud protection tools along with a state of the art cascading system keeps our client s business protected.

4 2. About us E uro Payment Group GmbH offers high quality professional payment processing services to merchants world-wide. The organization is a private limited company, headquartered in Frankfurt, Germany. Our services range from credit card payment processing, alternative payment solutions such as Euro Direct Debit to highly advanced fraud protection tools. All our services conform to the highest security standards and guidelines to provide the best protection for both merchant and cardholder. Our systems are developed modular and adaptable. This notion keeps us flexible in the face of fast changing conditions and markets. Founded in 2005, it has been our dedication and goal to provide our merchant clients with cost-efficient, safe and sophisticated online payment processing services. Our Team O ur innovative and well educated staff consists of experienced IT system developers, knowledgeable sales and key account managers and support agents. We bear special pride in our experienced compliance and risk department which has been educated by the leading acquirers and card issuers in this industry. We have been complimented on our risk assessment techniques and sophisticated gateway infrastructure on several occasions. The diverse ethnic background of our team members enables us to cater to a wide range of international markets. We are a one stop payment processing service provider and are offering to enable you to stay competitive on a global level.

5 3. Products & Services Merchant Accounts Euro Payment Group s international bank partners provide for direct Merchant Accounts with reputable acquiring partners worldwide. Our merchant clients are able to acquire their own Merchant Identification (MID) with personal billing descriptor. These direct merchant placements bear a wide range of different benefits. Here is a listing of the main advantages: Multi-Currency payment processing Weekly payouts Low Transaction Fees All Major Credit Cards Acceptance Virtual Terminal (MOTO - Mail Order Telephone Order) World-Wide Merchant Account Processing Private Merchant ID (MID) Personal Billing Descriptor Low Discount Rates! Fast Setup Timetables Real-Time Reporting API Posting through Our PCI-compliant Gateway 24/7 Customer Support State of the Art Fraud Protection & Cascading Chargeback Management Recurring Billing Options All inbound payment transactions are being passed through EPG s PCI compliant Internet Payment gateway. Authorized funds are credited the merchant within 3-7 business days.

6 IPSP Merchant Accounts EPG welcomes new start-up ecommerce business as well as already establised internet business who is in need of a reliable and turstworthy processing provider. In addition to being able to provide merchant account approvals very fast, instable and it s trusted merchant banks do not require large upfront deposits, we do not restrict the merchant s processing sales turnover, nor do we charge double-digit discount rates. Benefits of IPSP International Merchant Account Solutions: Fast approval process Acceptance of International Merchants Competitive Processing Rates Easy API Integration Wide Acceptance of different Business Models Weekly Payouts Real-Time Reporting 24/7 Customer Support Chargeback Management to Assist with Cardholder Disputes Recurring Billing Capabilities Multi-Currency payment processing All Major Credit Cards Accepted Virtual Terminal State of the Art Fraud Protection & Cascading Chargeback Management Recurring Billing Options

7 European Direct Debit It s not a well kept secret that the majority of the European citizens prefer other payment methods rather than online credit card payments. This notion is due to the low credit card penetration throughout European countries as well as different preferences in payment. The most common and accepted payment solution within the European market place is Euro Direct Debit. This billing solution is similar to U.S. ACH or Check21 payments but provides for recurring billing capabilities. Direct Debit is the most widely used form of payment other than cash for most European countries. By using EPG s billing solution you are able to bill the following countries: Germany (DE) Austria (AT) The Netherlands (NL) United Kingdom (EN-UK) Spain (ES) Euro Direct Debit is the perfect addition to credit card billing. Leave it up to your customers to select the payment method of personal preference. Furthermore, you are able to bill clients which bear a general interest in your products and services but are lacking a credit card. Contact us today and find out about our alternative billing solutions.

8 Alternative Payment Solutions Earn Revenues Even Without Credit Card Processing Euro Payment Group is aware of the fact that the given credit card penetration for countries outside of north America is not as well established. Especially international customers prefer different means of payment besides credit card payments, such as Euro Direct Debit and Direct Pay solutions. Today s marketplace has evolved to a global economy and factors such as multi-currency processing along with the integration of alternative payment solutions have become crucial to stay competitive. EPG took measure and added several alternative payment solutions to it s payment processing portfolio in order to meet this growing demand. The following listing provides a brief overview about the available alternative payment methods that you can add to your billing solutions: Euro Direct Debit Euro debit is the most widely used billing method for European countries. The collection of funds works similar to ACH. The authorized funds are withdrawn directly form the customer s bank account with the option of recurring billing. ACH / CHECK21 ACH and Check21 are electronic networks for financial transactions within north- America. These two alternative payment solutions are the perfect addition for domestic credit card processing. An integration of these payment solutions will reduce the overall cost of check and credit card transmissions by lowering the amount of NSF s/declines and chargeback s, while enabling merchants to receive funding faster. Here is a summary of the main advantages: 1. Same day fund availability 2. Merchant to bank transactions 3. Lower NSF s transactions 4. Lower chargeback ratios Sofortüberweisung Sofortüberweisung is a direct wire system that allows customers to use their Internet banking facility to pay for purchases online just as they do with a credit or debit card. This payment gateway is available to 17 million German bank account holders and is entirely chargeback free.

9 4. Our Gateway E uro Payment Group s PCI compliant gateway (Level 1) represents a gateway software platform that interfaces with any desired merchant bank or system. The gateway software is fully modular and can support nearly any desired feature or technology. Currently the main function of the software is to facilitate the purchase of goods and services online by consumers or businesses from merchants with an Internet merchant account. Accurate statistics and reporting systems are crucial to success and proper revenue management. Our payment platform combines feedback and contributions from processing industry insiders and future clients and is positioned to create one of the most comprehensive suites of reports and statistics available. Network Integrity Utilizing the latest in Dell servers, modern networking and security features, and a FreeBSD UNIX operating system (one of the most secure operating systems available) Cure Technologies offers fast reporting, under 1% network downtime, and the network security and redundancy that our clients expect and deserve. Only Cure Technologies staff members ever handle servers with sensitive client information. Our network and software is fully PCI Compliant and conforms to all Card Association standards, setting us apart from our competition.

10 Gateway features Multi-Currency Processing USD, GBP, EUR, YEN, etc. Fraud Scrubbing Features Luhn10 Verification Card Catcher: Checks for duplicate customer information and declines transactions for customer records exceeding a specified threshold. I.e., if the threshold is set to 10 and 11 customer duplicate customer records are found, further transactions will be denied. MaxMind minfraud: Multi-level fraud scrubbing based on various customer data, such as GEO IP, proxy info, customer data and originating country. CardCatcher Pro Catches suspicious carder activity, flags and blocks multiple transactions with similar credentials based on user settings. Velocity Check Performs a velocity check if a card is submitted too many times within a reasonable time span. Blacklist Database Customers that have been flagged for suspicious charges, chargebacks and other high-risk activity are added to our blacklist and can not be charged through our gateway. Reporting and Administration Robust web-based administration front-end. Offers various pre-defined reports, management and look-up tools for subscriptions, customers, transactions etc. Price Points Price points have the ability to enter a customer into a recursive billing cycle (for subscription-based services). With this option enabled, a user will be automatically billed with a specified amount on a billing cycle dependent upon configuration.

11 Products Product entries are referencial descriptors and also exist as the platform for postbacks. Requests processed with a product id will execute a postback where specified. Postback Operations Transaction requests can issue a postback containing transaction data for the senders records. Postbacks are enabled for: Cancel Rebill Chargeback Authorization Preauthorization Capture Purchase Refund Reversal Development On a daily basis our team of experienced system developers undergoes maintenance and development work on our gateway software. Our continuous improvements assure the following: Staying current with security trends and updates to our network Developing new tools and reporting for client and analyst interfaces Adding new features as requested by clients Adding integration with new banks and processors as needed The development aspect of our company is essential in keeping agile and competitive in a rapidly-changing marketplace.

12 5. Our Clients Our client base consists of a large number of successful merchants around the world who stem from various business fields: Subscription-based sites Wholesalers and Distributors connected fulfillment Services companies Manufacturers etc. 6. Going forward The global ecommerce economy has evolved to a multi-billion dollar industry and is growing every year as more and more consumers world-wide are using the internet for online purchases. Credit cards and other online based payment solutions have become the main mean of payment these days. The gateway processing industry has nearly limitless growth potential. Euro Payment Group is on the verge to become a major player within the payment processing service industry. Our strategic partnerships with a select group of acquires and a fairly large base of a loyal reseller network, as well as our steady commitment to excellence lay the grounds for profitable business for the years to come.