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VeriSign Corporate Presentation

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AgendaAgenda

XX Corporate OverviewCorporate Overview

XX Payflow Pro GatewayPayflow Pro Gateway

XX Fraud Protection ServiceFraud Protection Service

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everywhereeveryone

MissionMission

To enable everyone, everywhere to engage inTo enable everyone, everywhere to engage indigital commerce and communications withdigital commerce and communications with

confidence.confidence.

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VeriSigns TrustVeriSigns TrustInfrastructure for the InternetInfrastructure for the Internet

XX 3,000 employees, 403,000 employees, 40--plus affiliates covering 80 countriesplus affiliates covering 80 countries

XX Trusted keeper of the Domain Name RegistryTrusted keeper of the Domain Name Registry

XX Leading provider of services to Internet businessesLeading provider of services to Internet businesses

90,000+ businesses payment90,000+ businesses payment--enabledenabled 6.2 million customers6.2 million customers

575,000 website certificates issued575,000 website certificates issued

4,465 Enterprise customers4,465 Enterprise customers

XX $4 Billion payment transactions processed each quarter$4 Billion payment transactions processed each quarterXX Over 6 Billion network connections per dayOver 6 Billion network connections per day

XX Infrastructure capacity of 1 trillion transactions per dayInfrastructure capacity of 1 trillion transactions per day

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Massively Deployed Service InfrastructureMassively Deployed Service Infrastructure

XX $250+ million investment in$250+ million investment insecurity infrastructuresecurity infrastructure

XX BiBi--Coastal RedundancyCoastal Redundancy

XX Maximum security facilitiesMaximum security facilities

XX High availability data centersHigh availability data centers

XX Proven scalability to millionsProven scalability to millions

XX 24 x 7 customer support center24 x 7 customer support center

XX Tier 6 Dept. of Defense CertifiedTier 6 Dept. of Defense Certified

FacilityFacility

XX SASSAS--70 Audited70 Audited

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Players in Internet PaymentPlayers in Internet Payment

Credit Card

Processors$Pay$

Buyer

Buyer

Issuing

Bank

Issues credit card to buyer

Merchant

MerchantAcquiring

Bank

Allows merchant to accept

credit card payments

VisaMasterCard

Amex

ACH

- Routes authorization request

to appropriate card network

(Visa, etc.) for approval

- Issues instructions to move $from buyer issuing bank to

merchant acquiring bank

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Full ConnectivityFull Connectivity

ProcessorsProcessorsMerchantsMerchants

E-commerceApplications

Digital Stores

Merchant Servers

Custom Web

Applications

Shopping Carts

Bill Presentment

Trade Exchanges Desktop

Applications

B2B Exchanges

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Payflow Enterprise ServicesPayflow Enterprise Services

XX PayflowPayflow

Integrated with Enterprise Level Platforms (BEA, Oracle,IBM,Integrated with Enterprise Level Platforms (BEA, Oracle,IBM,Intershop)Intershop)

Extensive integration library (Perl, Linux, Unix, Java, Windows)Extensive integration library (Perl, Linux, Unix, Java, Windows)

Dedicated technical support representativeDedicated technical support representative Designated tollDesignated toll--free phone w/priority access codefree phone w/priority access code

Certification with all major processing networks (FDMS, Nova,Certification with all major processing networks (FDMS, Nova,Vital, Global Payments, Paymentech, Norwest, EDS)Vital, Global Payments, Paymentech, Norwest, EDS)

Ability to process multiple transaction formats (Credit Card, LevelAbility to process multiple transaction formats (Credit Card, LevelII & III Purchase Cards, ACH,Internet Check)II & III Purchase Cards, ACH,Internet Check)

Uses TCP/IP protocolUses TCP/IP protocol Customizable SDKCustomizable SDK

XML transport interfaceXML transport interface

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Reporting OptionsReporting Options

XX Custom queries through our Manager siteCustom queries through our Manager site

https://manager.verisign.com/https://manager.verisign.com/

XX HTML format or tab deliminated ASCII TextHTML format or tab deliminated ASCII Text

XX Data kept on live server for 90 daysData kept on live server for 90 days

XX after 90 days, emailafter 90 days, email vpsvps--support@verisign.comsupport@verisign.comwith request for datawith request for data

Premier ServicePremier Service call dedicated support manager for reportcall dedicated support manager for report

XX Data fields that can be reported and/or searched:Data fields that can be reported and/or searched:

Processor Response Code

Processor Authorization Code

Processor Error Code

Comment 1

Comment 2Batch ID

AVS Street

AVS Street Match Response

AVS Zip

AVS Zip Match Response

VeriSign Transaction ID

Transaction Date and Time

Client IP Address

Transaction Type

Card TypeCard Number

Card Expiration Date

Amount

VeriSign Transaction Result

Invoice Number

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Batch ReportBatch Report

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Settlement ReportSettlement Report

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The VPS AdvantageThe VPS Advantage

XX AdvantagesAdvantages::

ReliabilityReliability Best up time in the businessBest up time in the business

Multiple redundancyMultiple redundancy Connectivity to all the major processors.Connectivity to all the major processors.

Virtually no maintenance costVirtually no maintenance cost All maintenance fees are charged acrossAll maintenance fees are charged acrossentire client base.entire client base.

Open payment type flexibilityOpen payment type flexibility Credit Card, ECredit Card, E--Check, ACH, and PCheck, ACH, and P--cards.cards.

Ease of integrationEase of integration Simply download the software client into yourSimply download the software client into yourcurrent operating system.current operating system.

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Fraud Protection ServicesFraud Protection Services

VeriSign Fraud Protection services provide you with professional grade

transaction filters and tools that instantly and automatically review customer

transactions for you and allow you to easily and conveniently manage all of

your fraud features from one interface, saving you time and money.

Basic Fraud Protection

Advanced Fraud Protection

Account Monitoring Service

Buyer Authentication

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VeriSign Fraud ProtectionVeriSign Fraud Protection

Basic Fraud Protection

The Basic Fraud Protection package provides you with essential fraud

protection services in a simple wizard-based upgrade package that integrates

seamlessly with your VeriSign Manager account. Basic Fraud Protection

offers you a fast and convenient way to protect your on-line business-noprogramming or fraud experience required. This package helps protect against

credit card fraud and hacking attempts, the two most common types of fraud.

Buyer Authentication

Each of the VeriSign Fraud Protection Services packages will allow you to

seamlessly upgrade to a Buyer Authentication integration module as BuyerAuthentication becomes commercially available. This module will allow you

to process transactions using the new Buyer Authentication systems that

MasterCard and Visa will be deploying.

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VeriSign Fraud Protection ServicesVeriSign Fraud Protection Services

Advanced Fraud Protection

Advanced Fraud Protection provides you with robust and customizable fraud protection

services, including the VeriSign Advanced Fraud Filters, based on our database of

millions of e-commerce transactions. This package provides seamless integration of all

fraud features with your VeriSign Manager Account. It allows you to set up real time

email alerts of potentially fraudulent transactions. It also features the Advanced Secure

Access Management Tool, which allows you to specify and control user access and user

roles.

Buyer Authentication

Each of the VeriSign Fraud Protection Services packages will allow you to seamlessly

upgrade to a Buyer Authentication integration module as Buyer Authentication becomescommercially available. This module will allow you to process transactions using the

new Buyer Authentication systems that MasterCard and Visa will be deploying.

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VeriSign Fraud Protection ServicesVeriSign Fraud Protection Services

Account Monitoring Service (AMS) offers premium protection against

payment account takeover and hacking. With AMS trained VeriSign

security professionals will monitor your transactions to help identify

fraudulent account activity prior to settlement. The security seal you

can display on your Web site, provides added fraud deterrence bynotifying potential fraudsters/hackers of VeriSign monitoring activity.

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PackagePackage Account Security FeaturesAccount Security Features Transaction Security FeaturesTransaction Security Features Premium ServicesPremium Services

Basic FraudBasic Fraud XXAllowed IP AddressesAllowed IP Addresses

XX Transaction SettingsTransaction Settings

XX Password ManagementPassword Management

XXAccount WizardAccount Wizard

Buyer Authentication SupportBuyer Authentication Support

FiltersFilters

XX Total Purchase Price CeilingTotal Purchase Price Ceiling

XX Total Item CeilingTotal Item Ceiling

XX Shipping/Billing MismatchShipping/Billing Mismatch

XXAVS FailureAVS Failure

XX CSC FailureCSC Failure

XX Buyer Auth FailureBuyer Auth Failure

XX Zip Risk List MatchZip Risk List Match

XX Freight Forwarder MatchFreight Forwarder Match

Transaction ReviewPageTransaction ReviewPage

Transaction WizardTransaction Wizard

XXNoneNone

Basic Fraud w/AMSBasic Fraud w/AMS-- (Account(AccountMonitoring Service)Monitoring Service)

XX Includes Basic Fraud services above,Includes Basic Fraud services above,plus Account Monitoring Serviceplus Account Monitoring Service

XX Includes Basic Fraud services above, plusIncludes Basic Fraud services above, plusAccount Monitoring ServiceAccount Monitoring Service

XXAMSAMS-- Account Monitoring ServiceAccount Monitoring Service

Advanced FraudAdvanced Fraud XX Same as aboveSame as above All Basic Features Plus the following additional Filters:All Basic Features Plus the following additional Filters:XXAddress Validation FailureAddress Validation Failure

XXBIN Risk List MatchBIN Risk List Match

XX Email Service Provider Risk List MatchEmail Service Provider Risk List Match

XX IP Address Risk List MatchIP Address Risk List Match

XXGeoGeo--location Failurelocation Failure

XX Bad ListsBad Lists

XXNonNon--U.S. AddressU.S. Address

XX Intl IP AddressIntl IP Address

XX Intl AVSIntl AVS

XXHigh Risk Country List MatchHigh Risk Country List Match

XXGood ListsGood Lists

XX Total Purchase Price FloorTotal Purchase Price Floor

XXNoneNone

Advanced Fraud w/AMSAdvanced Fraud w/AMS XX Includes Advanced Fraud servicesIncludes Advanced Fraud servicesabove, plus Account Monitoring Serviceabove, plus Account Monitoring Service

XX Includes Advanced Fraud services above, plusIncludes Advanced Fraud services above, plusAccount Monitoring ServiceAccount Monitoring Service

XXAMSAMS-- Account Monitoring ServiceAccount Monitoring Service

Fraud Protection Service PackagesFraud Protection Service Packages

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Fraud Protection Services FiltersFraud Protection Services Filters -- BasicBasic

Total Purchase Price Ceiling if your average order are $100 dollars and your largest order is $200; you may want to review any order that comesin over $150 because you rarely see orders that large. Since fraudsters arent price sensitive it is worth your time to quickly review thehigher dollar transactions.

Total Item Ceiling if your orders are typically 1 or2 items, then at some unit number you would probably be suspicious , lets say 7 or more.Again, you can set your wizard to say review or reject an order over 7 items.

Shipping and Billing Mismatch this filter would alert you if someone was shipping to somewhere other than their billing address.Its common for presents being purchased for someone else , however, it is also common with a thief who needs the billingaddress to match for the authorization to be approved, but they are shipping to a different location.

AVS Failure means the specific street number (123) does not exist in the zip code (95120) they are specifying,according to the purchasers issuer.

CSC Failure means that card holder or purchaser cant tell you what the CSV or CVV2 code (that 3 or4-digit code onthe back of the card) is which may mean they dont have the card in their possession.

Zip Risk List Match - means the zip code of the shipping or billing address is located in a zip code thathas a higher incident of fraud in e-commerce transactions.

Freight Forwarder Risk List Match means that the shipping address is to a freight forwarding servicewhich has a higher risk of fraud associated with it.

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Fraud Protection Services FiltersFraud Protection Services Filters -- advancedadvancedUSPS Address Validation Failure means according to the USPS database of addresses, the shipping or billing address

did not have a valid that exists in the USPS database.BIN Risk List Match means the first 6 digits of the credit card that person is using has been identified as a high-risk card

according to our databasemeaning the company that issues that cards is known for having a higher activity of fraudamong their cards issued.

Email Service Provider Risk List Match means the email service provider has shown a higher susceptibility to fraud their customers use their email service as their communication tool .

IP Address Risk List Failure means the IP address has been determined to be a high-risk address.

Geo-location failure means the location of the IP where the order is being submitted versus the address the purchaser is

stating as their ordering address are considerably far apart.Bad list - this feature allows you to create your own Bad list of previous credit card information or email addresses that

you know to be bad customers. For example, you have a customer who consistently issues charge backs, you canblacklist by adding them to your bad list.

Non US Address - indicates whether the address located within the United States.

International IP Address - will tell you from which country the order is being placed.

International AVS

High Risk Country Risk List Match means the shipping, billing, orIP address matched with a country considered high-risk.

Good Lists allow you to set credit card numbers and/or email addresses of your best customers. Customers you have agood relationship with that you trust are making legitimate order no matter how large or how small the order may be .This also prevents you from having to review an order.

Total Purchase Price Floor this allows you to set a price, for example, $10 where you will always let an order below acertain dollar amount to be automatically approved.

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Fraud Protection Services FilterFraud Protection Services Filter -- summarysummary

Fraud Protection Service Summary List Filters

AVS Failure

CSC Failure

Total purchase pricing ceiling

Total item ceiling

Shipping/billing mismatch

Buyer Auth Failure

Zip Risk List Match

Freight Forwarder Match

Transaction Review Page

BIN Risk List Match

E-mail service provider risk list match

IP Address Risk List Match

Geo Location Failure Bad Lists

Non-U.S. address

International AVS

InternationalIP Address

High risk Country List Match Good Lists

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Fraud Protection ServicesFraud Protection Services Screen Shot ManagerScreen Shot Manager

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Fraud Protection ServicesFraud Protection Services Screen Shot WizardScreen Shot Wizard

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Fraud Protection ServicesFraud Protection Services Screen Shot FiltersScreen Shot Filters

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Why VeriSign?Why VeriSign?

XX The most comprehensive and integrated set of services for enablingThe most comprehensive and integrated set of services for enablingtrusted transactionstrusted transactions

XX Proven operational excellence and unmatched scalabilityProven operational excellence and unmatched scalability

XX Technical flexibility through open API's, Java, C++, and XMLTechnical flexibility through open API's, Java, C++, and XML

XX Certified with all the major processorsCertified with all the major processors

XX Best upBest up--time in the business (99.98%)time in the business (99.98%)

XX Currently processing transactions for over 90,000 merchantsCurrently processing transactions for over 90,000 merchants

XX State of the art fraud protection serviceState of the art fraud protection service

XX Financial StabilityFinancial Stability

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everywhereeveryone

To enable everyone, everywhere to engage inTo enable everyone, everywhere to engage indigital commerce and communications withdigital commerce and communications with

confidence.confidence.

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Q&AQ&A

QuestionsQuestions??