Payvision corporate presentation_v4.9

General Overview 2012

COMPANY MILESTONES

10th Anniversary

Founded in The Payvision specializes Madrid Office Singapore Office Hong Kong Office Payvision member
Netherlands in CNP Payment Visa & MasterCard
Solutions Platform 2.0 live Payvision offers Risk Platform 3.0 live
Management Macau BIN live
Solutions for PSPs / 50+ Employees
Acquiring Banks 100+ employees

2002 2004 2005 2006 2007 2008 2009 2010 2011 2012

New York Office Payvision Profitable Processing volume BIN sponsorship
exceeds $1Billion Wing Hang Bank in
Hong Kong

Utah Office

Paris Office

| Company | Business Model | Solutions | Market | Management | Financials |


PARTNERS TO RELY ON CUSTOMER RELATIONSHIP

▶ Global Acquiring Relations ▶ Personal
▶ Visa / MasterCard ▶ Service support 24/7
▶ OmniPay ▶ Implementation
▶ EMC ▶ Educational
▶ DNB ▶ Trusted Advisor
▶ ‘Research’ Partners ▶ Premier Partner Program
VALUE PROPOSITION
CORE COMPETENCES DISTRIBUTION CHANNEL
▶ Card Processor
▶ CNP / CP Processing ▶ EU – Indirect via PSP
▶ Domestic Global Acquiring ▶ Global Bank Network ▶ US – Indirect via PSP
▶ Underwriting ▶ APAC – Direct and Indirect
▶ Fraud/Risk Monitoring ▶ BIN Sponsorships ▶ ‘Outbound and Inbound marketing’
▶ Interchance Optimization ▶ Extranet portal
▶ 40 countries / 150 currencies
▶ Multi currency processing
▶ Full Acquiring Member
CORE ACTIVITIES ▶ Single connection & report CUSTOMER SEGMENTS / TARGET

▶ Product Development ▶ Fast Boarding Process ▶ Domestic Midsize Banks
▶ Sales & Marketing ▶ Financial Institutions
▶ Services & Consultancy ▶ PSP’s / ISO’s / MSP’s
▶ 24/7 Customer Support ▶ Industry Groups & Trade
▶ Sandboxing Associations
▶ ‘Analysts and Media’

REVENUE
COSTS
▶ Signup costs
▶ Variable costs: fixed per item or
▶ Monthly fees
percentage of Value
▶ Transactional fees
▶ Fixed costs: Labour; ICT &
▶ Commission / Merchant Service Fees
Operations; Marketing; Offices
▶ Chargeback fees
▶ FX conversion



CONNECT AND GROW

Key to Profitable Global E-Commerce by Making your
Cross-Border Payments Domestic

GLOBAL CARD PROCESSING INNOVATIVE PAYMENTS PAYMENT EXPERTISE RISK & FRAUD MANAGEMENT

TRANSACTION 26% OF TOTAL GROWING FAST, 82 FTE 0,0001%
PROCESSING VALUE PAYVISION’s HUMAN IN 2011, 100+ FTE IN OF ALL ANNUAL
OVER $3 BILLION IN RESOURCES CONSIST 2012, SERVICING 300+ ONLINE
2011 AND GROWING OF EUROPEAN ISOs / PSPs AND TRANSACTIONS END
RAPIDLY. RESEARCH & 5,000 MERCHANTS UP IN A FINANCIAL
DEVELOPMENT STAFF. WORLDWIDE. LOSS.



VALUE CHAIN

One Full Service Payment Platform for all your global transactions.
Scalable up to 22+ billion transactions, which is 42.000 per minute.

Custom er

Acquiring Acquiring
P SP Credit/ Debi t
Online processor Bank (BIN)
Issuing Bank
Merchant

▶ S ervices ▶ Payment acceptance ▶ Route transaction data ▶ Assume merchant
offered ▶ Fraud detection and ▶ Requesting authorisation chargeback risk
prevention from the scheme ▶ Card scheme compliance
▶ Merchant reporting ▶ Assisting acquiring banks in
▶ Merchant underwriting the ‘handling’ of the network
associations, avoiding
penalties, etc.



VALUE CHAIN
One Full Service Payment Platform for all your global transactions.
Scalable up to 22+ billion transactions, which is 42.000 per minute.

Custom er

Acquiring Acquiring
P SP Credit/ Debi t
Online processor Bank (BIN)
Issuing Bank
Merchant

▶ S ervices ▶ Payment acceptance ▶ Route transaction data ▶ Assume merchant
offered ▶ Fraud detection and ▶ Requesting authorisation chargeback risk
prevention from the scheme ▶ Card scheme compliance
▶ Merchant reporting ▶ Assisting acquiring banks in
▶ Merchant underwriting the ‘handling’ of the network
associations, avoiding
penalties, etc.

▶ Market ▶ Payvision ▶ Payvision ▶ P ayvi si on
players ▶ Adyen ▶ Cybersource ▶ Chase Paymentech
▶ Cybersource ▶ Datacash ▶ RBS
▶ Datacash/MasterCard ▶ FirstData ▶ Standard Chartered Bank
▶ GlobalCollect ▶ Worldpay/Streamline ▶ Wirecard
▶ Netgiro
▶ Ogone
▶ Realex
▶ WorldPay



FULL SERVICE MODEL

Three Service Layers
PAYVISION
PYRAMID

1. CARDHOLDER INTERACTION 2. CARD PROCESSING 3. REPORTING AND
AND SCREENING FINANCIAL MANAGEMENT

▶ PSP functionality ▶ Domestic Banks in various regions ▶ One overview of your complete portfolio
▶ Multi-currency (150+) ▶ Multi-currency processing with various Banks
▶ Risk Management ▶ Multi-currency settlement ▶ Interchange Management
▶ Fraud scrubbing ▶ Global local presence (North America, ▶ Reconciliation
▶ Dynamic Currency Conversion Europe, Asia) ▶ General Ledger feeds
▶ 3D-Security / CVV2 / CVC2 ▶ Multi-Bank platform managed in ▶ Graphic reports
corporation with OmniPay ▶ Charge Back handling
▶ Recurring Payment facility
▶ One clearing process for all of your global ▶ Interactive Charge Back handling
▶ Card-checks
business possibilities
▶ Blacklisting
▶ Interchange optimization
▶ URL-/Device- and Geo-location checks



INSTITUTION HIERARCHY 2012

The hierarchy and transaction flows of the Payvision institution replicates the
structure of the below diagram.

PAYVISION

EU APAC APAC BANK CANADA MERCHANT
BANK BANK MACAU BANK BANK

PSP PSP PSP PSP PSP

MERCHANT MERCHANT MERCHANT MERCHANT MERCHANT



INSTITUTION HIERARCHY 2012+

The hierarchy and transaction flows of the Payvision institution replicates the
structure of the below diagram.

PAYVISION
PAYVISION EU BANK 2ND AUSTRALIA CANADA AMERICAN CHINA
APAC BANK US BANK BRAZIL JCB
PSP (2) APAC BANK BANK BANK EXPRESS UNION PAY

PSP PSP ISO PSP ISO PSP ISO PSP

MERCHANT MERCHANT MERCHANT MERCHANT MERCHANT MERCHANT MERCHANT MERCHANT



INSTITUTION GLOBAL ALLIANCE HIERARCHY

One Full Service Payment Platform for all your Transactions.
Global Domestic Acquiring with the same quality in each region!

PAYVISION INSTITUTION

EUROPEAN BANK APAC BANK REGIONAL BANK US BANK
APAC CANADIAN EUROPEAN CANADIAN EUROPEAN APAC APAC CANADIAN
US BANK US BANK US BANK EU BANK
BANK BANK BANK BANK BANK BANK BANK BANK



CONNECT AND GROW
Payvision brings Payment Service Providers (PSPs) to the Banks, and Banks to
the PSPs. It’s all about global cross-selling, we all benefit.

PSPs and ISOs ACQUIRING
BANKS



CONNECTING THE DOTS... CONNECT AND GROW
One Full Service Payment Platform for all your Transactions.
Global Domestic Acquiring with the same quality in each region.



INNOVATION
We offer innovative technological solutions in sync
with next generation payment methods.



MOBILE PAYMENTS
Netswipe™ - without the need to purchase and install additional hardware, you can
accept credit card payments today. Improves experience and better risk management.

WHY SHOULD YOU BE INTERESTED HOW IT WORKS

▶ Online Card Present ▶ OCR engine: we acquire payment data using optical character recognition to
▶ Easy and convenient identify two dimensional and embossed characters on the face of the card using
▶ Secure a device's camera
▶ Jumio brings the benefits ▶ Card Security Code (CVC, CVV, CVC2, etc.): we require consumers to confirm their
from face-to-face-payments to e- credit card by entering their CVC. To prevent key logging, we can implement an
commerce. onscreen keypad to enter in data with a mouse
▶ Jumio’s patented technology turns the ▶ Live Video Stream Capture: we do not take pictures of credit cards or IDs; instead,
camera of the computer or mobile into we send a direct video link from the consumer's device to our servers to analyze the
a card reader. The most secure form of card on the fly
online payment possible ▶ Data encryption: once we acquire payment data, we use standard SSL on
▶ More privacy transmission for secure encryption. We then submit encrypted data for bank
▶ No false positive rejections processing
▶ No manual population of fields ▶ Server Security: all data is located in a secure environment, protected by an
alarm installation, and is monitored 7 days a week, 24 hours per day. All data is
protected by firewall
▶ Fraud checks: fraud checks are returned via API and available in a backend.
Merchants can choose which transactions to process depending on the result of fraud
checks
▶ PCI/DSS: 100% compliant



INNOVATION
With Payvision web-based Reporter you track, analyze, manage and control
your global card payment transactions.



UNDERWRITING AND RISK MANAGEMENT
Our holistic approach to Risk has resulted in one internationally
approved Risk and Underwriting Protocol.

Only 0,0001% of all Annual Online Transactions
end up in a financial loss.



EXECUTIVE MANAGEMENT

RUDOLF BOOKER - CHIEF EXECUTIVE OFFICER
At the birth of e-commerce, Rudolf envisioned the enormous potential of online Payment Processing and invested
in innovative solutions. Rudolf is an entrepreneur who understands and anticipates on future business needs and
changing market trends, in the different regions worldwide. He has built a global network of successful strategic
alliances with domestic acquiring banks, international payments service providers and their merchants, a network
which continues to expand.

GIJS OP DE WEEGH - CHIEF OPERATING OFFICER
Having previously worked in the Banking Industry, Gijs op de Weegh joined Payvision in 2002 as Head of Legal
and Financial Operations. Gijs is currently responsible for Global Operations. His experience with the different
aspects of e-commerce and his knowledge and insight in the complexity of Card Payment Services and Solutions,
enable Gijs to understand the dynamics behind future trends. Gijs has been the driving force behind innovative
high-tech solutions, developed in-sync with changing business needs, which he foresees in the near future.
Developments for which Payvision is well prepared.

CHENG LIEM LI - CHIEF COMMERCIAL OFFICER
Cheng gained experience in ICT and Telecom before joining Payvision in 2003. As a member of the Executive
Board, Cheng successfully developed partnerships with domestic acquirers and payment service providers
worldwide. The dedication and commitment with which Cheng engages with business partners has built him a
reputation of a trusted advisor, whose relentless drive inspires those working close to him.



EXPERTISE
Where do our Executives come from...



GLOBAL TRANSACTION VOLUME CAGR 14%

Global E-payments transaction volume E-payments transaction volume per region
2009-14 (in $billion) 2010-14 (in $billion)
1800
1,200.00
Goldman Sachs 1600
1,000.00
1400
FedEx CAGR 14% 800.00
1200
600.00
1000
RBS 800 400.00

600 200.00
Aggregated
400 -
market data
2010 2011 2012 2013 2014
200
0 Europe North America APAC Rest of the world
2009 2010 2011 2012 2013 2014

▶ E-payments market forecasts are very diverse but they all Estimated CAGR e-payments transaction
▶ Estimation
estimates show steady growth in the next five years volume, 2010-14 (in %)

Europe 10%

▶ Growth ▶ While online payments are expected to grow approx. 14% North America 11%

year-o-year, the growth champion is China with
APAC 20%
estimated growth of 30% in the next 5 years
Rest of the world 21%

1
Source: Goldman Sachs Forecast June 2010 2 Source: FedEx market report taken from inbound logistics market trend report June 2011
3
Source: RBS and Capgemini World Payments Report 2011 4 Source: Data combined from several sources including Forrester Research,
Javelin Payments Forecast 2011-2016, RBS and Capgemini World Payments Report 2011.



THE PROFITABILITY OF THE ACQUIRING MARKET
IS INVERSELY RELATED TO THE SIZE OF THE
MERCHANT
Total sales of all merchants

▶ > $ 1bln (Top150)

▶ Mil lion - $1bln

▶ 100,000 -
$1M illi on

▶ <100,000

Volume Merchants Revenue captured by acquirer

▶ Value chain ▶ 90% of merchants process less than $100,000 per year. Whilst this category only generates 10% of total
merchant sales, it represents in the order of 45% of the total revenues captured by the acquiring side of the value
chain.

Source: The Merchant-Acquiring Side of the Payment Card Industry: Structure,
Operations, and Challenges, FDR of Philadelphia, October 2007



2010: $572BLN E-COMMERCE SALES WORLDWIDE
Growing to almost $1.4 trillion by 2015 (Source: JP Morgan 2011)

Global Value 2010 Payvision Value 2011 Payvision Growth
Online Retail Sales Card Holders Destination 2010 – 2011 in %



CROSS-BORDER E-COMMERCE VOLUME
$300 BILLION GLOBALLY
Growing twice as fast as IS-retailing. (Source: Euromonitor 2011)

12 countries claim 80% of the world’s Payvision’s transaction processing value over $3 billion in 2011,
cross-border power shoppers. Where which is 1% of total cross-border e-commerce volume. Our volume
do they live… (Source: FiftyOne 2011) and growth in these 12 countries that claim 80% of the world’s
cross-border power shoppers.



EMERGING MARKETS AND E-COMMERCE
The UK / US / European e-commerce market is still showing strong growth,
but the marketplace in e-commerce is now becoming global.

Growth Year-Over-Year (in %) Growth Payvision (in %)
2010 versus 2011 2010 versus 2011

South Korea South Korea
Brazil Brazil
Mexico Mexico
Australia Australia
New Zealand New Zealand
Japan Japan
Singapore Singapore
Canada Canada
Philippines Philippines
Hong Kong Hong Kong



SOLID PARTNERSHIPS
The best breed of Partners with a Vision that leads to Profitability.

CONNECT AND GROW



MARKET INSIGHT - US
US e-retailers miss out on selling to global shoppers given that 90% of the
world’s consumers live outside the US!

US, with only 14% of their transactions e payment service
coming from international consumers. The countries with the most
international e-commerce sales are Hong
Kong (96%), mainland
China (90%), Japan (71%) and Canada (55%).
(Source: PayPal study of global e-commerce)

USA 70% of shoppers online used major credit cards.

14% of transactions U.S. e-retailers process with PayPal for international
customers, 48% come from customers in English-speaking countries such
as the United Kingdom, Canada and Australia, with the rest from
consumers in Europe, and the Asia-Pacific region.

When it comes to shopping across borders, international online
shoppers in 6 emerging e-commerce markets in Asia-Pacific
prefer to buy USA. (Source: Nielsen / VISA)



MARKET INSIGHT - CHINA
35% of all consumer e-commerce spending in the Asia Pacific are overseas
online purchases. APAC prefers to buy USA with one exception:
mainland China online shoppers preferred Hong Kong shopping
sites.

December 29, 2011 - If we were to lay all 8 billion issued credit cards side
by side, we get an area of 37 km2 The three largest credit card companies
are Visa (28.6%), China Union Pay (29.2%) and MasterCard (20%).
China Union Pay has issued twice as many credit
cards as the combined population of the U.S. and
Europe (2.3 billion). Altogether, a total of 16.8 billion
transactions have been recorded. A total $12,680,280,000,000 dollars has
been spent on credit cards, which would correspond to $1818 per citizen
of the earth. (Source Paylane)
CHINA 2012 will see the rise of the local global e-marketplace. Brazil is leading
the global e-shopping charge with 81% of consumers keen to shop
in different markets online , followed by Indonesia (77%),
Thailand (74%), China (69%) and Spain (66%). (Source Global Rakuten)

Biggest proportion spent online: Singapore (61%); Australia (48%) and
China (35%). Highest spender (average value) on cross border e-
commerce Singapore (US$1,892), Japan (US$1,827), India
(US$887).



MARKET INSIGHT - MIDDLE EAST
UAE accounts for 60% of GCC e-Commerce spend. GCC region looks set to
emerge as the new economic power by 2020. (Source: 22 Nov 2011 – Khaleej Times)

B2C e-Commerce sales in the UAE are estimated to have
B2C E-COMMERCE

grown to almost $2 billion in 2010, which equates to approximately
55-60% of total GCC e-Commerce sales that are estimated
to be between $3 and $3.5 billion, and expected to reach $5 billion
by the end of 2011.
MIDDLE EAST
With internet usage in the region growing by a staggering 1500%
PURCHASE TRANSACTIONS

since the year 2000, from a mere 1.2 million in 2000 to 18.7
million in 2010, e-Commerce gaining increased momentum.
Currently, the Middle East region hosts 63 million internet users and
internet penetration in the region is one of highest
in the world



MARKET INSIGHT - EUROPEAN UNION
By 2015, 50% of all consumers should be buying online and
20% cross-border online. (Source: 2011 - Consumer Conditions Scoreboard)

By 2015, spending across the region will reach $343.5 billion ,
with 58.2% of the total, or $199.9 billion, coming from France,
Germany, Italy and Spain.

EU aims to double e-commerce volume
EUROPE by 2015. The European Commission has unveiled a plan to
encourage EU consumers to make their purchases via the internet,
thus hoping to lift the share of e-commerce in retail sales from 3.4% to
6.8% by 2015. EU retailers that sell online (~50% of all retailers) only
21% took orders from consumers from other countries. (Source:
Internet Retailer)

In 2011, 58% of internet users aged 16-74 in the EU27 had ordered
goods or services over the internet. The highest shares were observed
in the UK (82%), Denmark and Germany (both 77%), and Sweden
(75%). (Source: December 2011, Eurostat)



MARKET INSIGHT - AUSTRALIA
In 2010, 40% of online expenditure in Australia is to overseas sites. (Source: 2011 - Frost & Sullivan)

The retail sector in Australia has a turnover of $243
billion ($255bln USD) per annum. The biggest segment of that
is food retailing at 39.8% followed by household goods at 17.7%.
(Source: Australian Bureau of Statistics )

Excluding spending on overseas sites and on services, online retail
spending accounts for around 3% of Australia’s total retail sales.

AUSTRALIA
This compares to over 5% in both the US and UK. 40% of online
expenditure in Australia is to overseas sites. (Source: Frost & Sullivan)

PayPal estimates that the e-commerce has
increased from $24 billion in 2009 to $27 billion
in 2010 and predicts further growth of a little over 10% a year
over the next few years.


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