The PINPAY Network 1

PINPAY Network™

ACAP Security Inc.Ground-Breaking Technology

Outstanding Security and Service

December 2007

The PINPAY Network 2

• Reduced Fraud – “Friendly Fraud”Reduced Fraud – “Friendly Fraud”• NO Charge BacksNO Charge Backs• Lower interchange fees and costsLower interchange fees and costs• Increased speed of settlementIncreased speed of settlement• The high security of PIN debitThe high security of PIN debit

Merchant’s NeedsMerchant’s Needs

The PINPAY Network 3

• Lower costs remittance serviceLower costs remittance service• Convenient money transfersConvenient money transfers• Store Front - financial servicesStore Front - financial services• Worldwide EFT (ACH and IBAN) ServicesWorldwide EFT (ACH and IBAN) Services• International “bill pay” serviceInternational “bill pay” service

Money Transfer NeedsMoney Transfer Needs

The PINPAY Network 4

• ““Internet PIN-debit” paymentInternet PIN-debit” payment• No charge backs, no hold backsNo charge backs, no hold backs• ““LOW” transaction fees- No other feesLOW” transaction fees- No other fees• Low costs money transfersLow costs money transfers• Worldwide “bill pay” and EFT ServicesWorldwide “bill pay” and EFT Services

The Solution -The Solution -

The PINPAY Network 5

• Secure PIN-debit card and accountSecure PIN-debit card and account• Instantly issued - worldwideInstantly issued - worldwide• No bank account requiredNo bank account required• Open to all, No age limitOpen to all, No age limit• Deposit and cash withdrawal servicesDeposit and cash withdrawal services

The Solution - SoftCardThe Solution - SoftCard

The PINPAY Network 6

• Secure PIN-based online shoppingSecure PIN-based online shopping• Worldwide “bill pay” and EFT ServicesWorldwide “bill pay” and EFT Services• Card-to-card money transferCard-to-card money transfer• Card loading and cash withdrawalCard loading and cash withdrawal• In-store and mobile store purchasingIn-store and mobile store purchasing

How Does It Work?How Does It Work?

The PINPAY Network 7

HOW IT WORKS

The PINPAY Network 8

HOW IT WORKS (pt2)

The PINPAY Network 9

• USA Registered and LicensedUSA Registered and Licensed• Anti-money laundering complianceAnti-money laundering compliance• Terrorist screening and Patriot ActTerrorist screening and Patriot Act• On-line gambling complianceOn-line gambling compliance• Strong security and controlsStrong security and controls

Regulatory ComplianceRegulatory Compliance

The PINPAY Network 10

• Simple to Install and Use Simple to Install and Use • No Impact on Existing Payment No Impact on Existing Payment

Operations Operations • No Set-up or Monthly FeesNo Set-up or Monthly Fees• On-Line TrainingOn-Line Training• Technical SupportTechnical Support

Merchant OperationsMerchant Operations

The PINPAY Network 11

• On-Line StoreOn-Line Store• Retail and Wholesale StoresRetail and Wholesale Stores• Payment Recipient MerchantPayment Recipient Merchant• Payment Distribution MerchantPayment Distribution Merchant• On-Line Application www.pinpay.netOn-Line Application www.pinpay.net

Merchants – Join NowMerchants – Join Now

The PINPAY Network 12

• Ground-Breaking TechnologyGround-Breaking Technology• Very Strong NeedVery Strong Need• Revolutionizes e-CommerceRevolutionizes e-Commerce• Massive Worldwide MarketMassive Worldwide Market

Conclusion – PINPAY the SolutionConclusion – PINPAY the Solution