World Data Systems, USA Web Source Intl

1. World Data Systems,USA Web Source Intl SALES PRESENTATION Merchant Processing, Equipment, Working Capital & Websites

2. WHO ARE OUR MERCHANTS? Our Merchants Come From a Variety of Business • Retail • Internet • Restaurants • Mail Order/Telephone Order (MOTO) Businesses • Home-based Businesses • Bank Referrals • Associations/Franchises • Professional Services • Wholesale Businesses • Mobile Businesses

3. WHO ARE OUR MERCHANTS? Our Merchants Accept Payments by Various Methods • Via Terminals or Software • Over The Telephone • By Mail, Fax or E-Mail • Over The Internet

4. WHAT’S HAPPENING IN THEWORLD OF TRANSACTIONS • 32.45% Of Customers Pay By Check* • 42.76% Of Customers Pay By Credit Card* • 19.49% Of Customers Pay By Cash* • 7.30% Of Customers Pay By Another Way* *The Nilson Report (nilsonreport.com)

5. ACTIVE CREDIT CARDS INTHE UNITED STATES

6. WHAT WILL HAPPEN IN THE FUTURE

7. ACCEPTING NONCASH TRANSACTIONS HELPS OUR MERCHANTS SUCCEED • Stimulates Impulse Buying • Generates Higher Average Ticket • Captures Competitive Edge Over Non-Accepting Merchants • Maximizes Cash Flow Is Maximized • Increases Purchase Frequency • Provides Customers Payment Flexibility, Which They Appreciate • Increases The Number Of Customers • Enhances Advertising • Encourages Customer Loyalty • May Increase Sales By 30% to 50%

8. REASONS WHY WORLD DATA SYSTEMS IS BETTER THAN BANKS • Banks Decline 40% of Applications We have a 98% Approval Rate • Banks Are In The Banking Business We are in the credit, ATM/debit card and travel and entertainment card processing business. • Banks Outsource Credit Card Processing and Focus on Lending and Deposits We specialize in merchant credit card processing.

9. REASONS WHY WORLD DATA SYSTEMS IS BETTER THAN BANKS • Banks Have Conservative Pricing We offer competitive pricing. • Banks Prefer Not to Risk Chargebacks and Fraud We have one of the very best credit card fraud and loss prevention departments in the industry, which allows our agents to market to nontraditional and hard to approve merchants.

10. HOW WE HELP OUR MERCHANTS We Provide Everything You Need • Equipment • Supplies • Software • Processing • Up-to-date online merchant information

11. HOW WE HELP OUR MERCHANTS We Provide You With Full Service • Fast account approval and equipment deployment and installation • Low, competitive pricing • Electronic deposits in 48 to 72 business hours • Detailed daily reports of sales and totals via terminals and software

12. HOW THE TRANSACTION WORKS 8-Funding 48 to 72 hours 2-Merchant uses World Data Systems Merchant Account With Terminal/Software 1-Cardholder Uses Visa/MC $ 7-Merchant Closes Batch 6-Authorization 3-Sales Steps 1-6 take 3-10 seconds for terminals. Other times may vary. • TO SUMMARIZE… • We enable you to accept credit cards • We deposit the money into you business account FDMS/VITAL 5-Authorization Response 4-AuthorizationRequest Cardholder’s Issuing Bank

13. Verifone Omni 3750 • Extraordinary Ease of Use • Plug-and-play terminal is simple to install and even simpler to use. • Bold, stylish profile conserves counter space and is ergonomically designed so that the terminal can easily be handed to customers for PIN entry or other input. • Intuitive ATM-style interface, large backlit display, large keys, and easy-to-read menu prompts reduce clerk training and minimize user errors. • Integrated, high-speed thermal printer with “clam shell” design features drop-in paper loading, to virtually eliminate paper jams.

14. Verifone Omni 3750 • Countertop Power and Flexibility • All-in-one design includes magnetic-stripe card reader, integrated smart card reader, internal PINpad, and integrated thermal printer to support a full range of payment and value-added applications. • 32-bit processing and multi-talking capabilities provide for maximum customer throughput. • Exceptional graphics-handling allows you to efficiently display and print logos, graphical fonts, and character-based languages when needed. • VeriFone’s SoftPay software supports payment requirements tailored specifically for your environment – whether you run a retail shop, restaurant, or mail-order business.Modular design allows certain features to be upgraded in the future, further protecting your investment. • Support for all VeriFone PINpads, check readers and smart card peripherals allows you to expand your options as your needs evolve.

15. PINPAD 1000 • Offers secure, reliable PIN input for the expanding range of debit, electronic benefits transfer (EBT), and other PIN-based transactions • Supports the full range of 3DES security options, including 3DES Master/Session keys and 3DES DUKPT. Provides higher level of fraud protection against potential attempts to “crack” single DES keys and access secure data • Is PED-compliant for secure solutions meeting the PED standard • Meets ISO and ANSI standards for PIN encryption, key management, and Message Authentication Code (MAC) • Provides mode for clear-text entry, to support petro fleet applications and others that don’t require PIN entry

16. PINPAD 1000 • Features a stylish, ergonomic design that occupies less counter space and fits comfortably in the palm of a hand • Has large, hard-rubber keys that provide better tactile feedback, minimizing errors and making the PINpad 1000 easier to use for consumers of all ages • Includes function keys that can be programmed as “hot” keys for special tasks • Provides eight-character, liquid crystal display that is simple to read on a countertop. Display shows up to 16 characters through automatic scrolling, and supports multiple languages

17. NURIT 8000 • With our wireless transaction solution Nurit 8000, merchants can wirelessly obtain credit card authorizations in seconds. A new realm of sales opportunities can now be generated in locations where merchants previously only had the ability to perform cash only or off-line processed sales.Wireless transactions allow you to authorize credit card purchases virtually anywhere - without depending on the availability of phone lines or incurring the cost of installing extra or temporary lines. Additionally, wireless transaction solutions eliminate the risk of accepting credit cards without first obtaining authorization at the time of the transaction.Advantages of Wireless TransactionsWireless transactions allows you to add new revenue opportunities as well as reduce risk: • Improve profits by reducing purchases from fraudulent credit cards • Increase customer service with fast and easy credit card authorizations in under 10 seconds • Speed processing by eliminating busy signals and downtime associated with phone line service interruptions • Increase margins over dial-up or leased line costs fo mid-size merchants

18. Nurit 8000 • Conduct Business Anywhere • Wireless transaction solutions allow you to expand your operations into locations and events never before possible. Conduct business in areas where phone lines don't exist such as airport and municipal parking lots, mall kiosks, stadium concession stands, ticket booths and taxis. Transactions can now be authorized at temporary locations such as all-star games, festivals, fairs, conventions and other special events. • New revenue opportunities are available by accepting credit card payments for services or goods that address a wide variety of industries and businesses including home and office delivery of products and services, including: • Food/Catering/LiquorsCosmetics/Household GoodsHealth Care/MedicinesOffice SuppliesVideos/BooksRepair ServicesTransportation ServicesFinancial Services • Wireless transaction solutions not only put you ahead of your competition, but allow you to do conduct business in ways that will help you stay there!

19. AUTHORIZE.NET • The Authorize.Net Virtual Terminal is a secure, browser-based interface that enables businesses to authorize, process and manage credit card transactions from any computer that has an Internet connection and a Web browser. Virtual Terminal replaces standard authorization terminals or software, and provides the best solution for merchants who manually enter credit card transactions for mail or phone order sales.

20. AUTHORIZE.NET Virtual Terminal suits businesses of all sizes because it reduces the complexity and expense normally associated with authorizing and processing credit card transactions. It's also much faster than standard dial-up authorization systems.

21. AUTHORIZE.NET • Businesses with an Authorize.Net account may access the Virtual Terminal through the Authorize.Net Web site using any Web browser. After logging into their Authorize.Net account using a unique user ID and a password, merchants can access the complete range of Authorize.Net services -- authorizations for purchases, credits and returns, status and activity reports, and much more.

22. AUTHORIZE.NET • To authorize credit card transactions, the merchant must complete an electronic form that provides the Authorize.Net system with the information it needs to complete the transaction. This information is encrypted using the latest 40 or 128-bit Secure Socket Layer (SSL) 3.0 technology and is sent to an Authorize.Net host server. The server then sends the data through the authorization network to the appropriate card issuer's bank using a secure, proprietary connection. When the process is complete -- this usually takes around three seconds -- the merchant receives an authorization number, and the Authorize.Net server stores the transaction. Transactions are automatically settled each day and are typically funded within two to three business days.

23. AUTHORIZE.NET • Authorize.Net's eCheck.Net is a payment solution that enables online and traditional merchants to accept and process electronic check payments directly from their Web site's storefront or through the Authorize.Net™ Virtual Terminal. By accepting electronic checks, merchants are able to expand the payment options available to their customers and potentially increase their sales.

24. ECHECK.NET • With eCheck.Net, customers pay for products or services with an electronic check by selecting the electronic check option and entering the requested bank account information. eCheck.Net encrypts the data using Secure Socket Layer (SSL) 3.0 encryption technology, and transmits it to the secure Authorize.Net transaction server for posting. At settlement time, the Authorize.Net system initiates a debit to the consumer's checking account via the Automated Clearing House (ACH) and then transfers collected funds to the merchant's account. The eCheck.Net system notifies merchants of failed debit attempts, including “Not Sufficient Funds” returns.

25. ECHECK.NET • eCheck.Net is an ideal solution for businesses that periodically bill their customers or do not have a commerce-enabled website. Health clubs, tanning salons, subscription services, ISPs, membership companies and health care practitioners are all examples of the types of businesses that would benefit from the eCheck.Net service

26. ECHECK.NET Benefits of the eCheck.Net service: • Acceptance of electronic check transactions can reduce payment processing costs to merchants. • Merchants can easily expand the payment options available to their customers at the point of sale which could potentially increase overall sales. • All eCheck.Net transactions are automatically settled each day.