Company Introduction

1 About us

1.1 Who we are

1.2 Vision of success

2 How we grow from good to great together

2.1 Omnichannel solution workflow

2.2 Acquiring platform overview

2.3 Gateway platform overview

2.4 POS overview

2.5 Value add product solutions

2.6 Client Reporting – MYST

3 ST Active / Active System and Redundancy

3.1 High level architecture and redundancy

3.2 Active/Active DR configuration & Technical integration

4 Our People

4.1 Leadership

4.2 Values

5 Next steps

Agenda

Who we are

TRU//ST Payments is the enterprise company poised to support

merchants, PSPs, ISOs and PFs to seize a share of the global multi-trillion

dollar addressable payments market.

The advent of Bitcoin, Blockchain, and borderless payments within the

electronic payments world has created a virtual global gold rush. ca

// 4

H o w w e h e l p m a k e b u s i n e s s s i m p l eCloud Based, multi regional payments

platform with direct and shopping cart

interface options for online

ecommerce.

High Volume acquiring business based

in Malta with a pan European card

acquiring license. Processing both

ecomm, mobile and POS transactions

types supporting traditional and high

risk merchant portfolios with an

extensive list of PSP / PGF / ISO

partners

US gaming platform for sports and Daily

Fantasy sports. Ecommerce Gateway

solution connected to multiple US

Banks.

-Speed of merchant application decision: Allowing our merchants

and partners to focus on what they do best

- Customised PSP / Payment Facilitator / ISO / high-risk

merchant boarding, due diligence and support models:

Addressing the specific need of each partner business

- Simplified partner and merchant reporting: Enhanced partner

reporting tools to provide a single line of sight for eCommerce /

POS & integrated solution transaction reporting

- Business orientated account managers who understand your

needs: Dedicated account managers to assist targeting of

verticals and advising on key product solutions, from fraud and

chargeback management to new payment types

1. Merchant figures reflect merchants from both Gateway and Merchant Acquiring platforms, including merchants from PSP aggregator. It excludes cross-sell merchants. Data as of Dec’16

// Introduction to Trust Payments Limited

Executive Summary – Who we are

// 05

60 PAYMENT TYPES

6 OFFICES WORLDWIDE

SETTLED IN

14CURRENCIES

PAYMENT PAGES

8LANGUAGES

Executive Summary – By the numbers

Awards• ERG B2B

Innovation Payments Solutions

• MPE AwardBest New Product Payments

• MPE AwardBest PSP

• The TechiesBest E-Commerce Technology

• Best Business AwardBest New Product/Service

Processing• 60+ Million transactions annually• 6,000+ Active merchants

TRU//ST are looking to earn the right to become a payments innovation partner for new and existing clients.

We intend to collaborate on initiatives that transform the payment experience for customers in the US, EMEA and global markets.

• Superfast on-boarding

• Intelligent insights detailed transaction reporting

• Named EMEA-based account manager

• Vertical-specific payments expertise

• Global network of payments partners

Vision of success and partnership

2013 2014 2015 2016 2017

// 08

Global Footprint – 60 bank relationships worldwide

How we grow from good to great:our products

How we will transform the market

Extend our strengths

Expand our global footfall,

with US presence

Focus on key market sectors; traditional and

emerging

Enhance our solutions and

provide efficiencies

End-to-End Omnichannel Global Payments and Banking Solution

Card schemes

Issuer

Online merchant Payment gateway

Cardholder

Acquirer / Processor

A

B

C C C

D

E

A A A

A

B

A B

C

MerchantCloud-based

collectinggateway

VISAMasterCard

APMs

+ 50 otheracquirers

USinstance

Europeaninstance

Micro-service layer

Asiainstance Online

banking

// 11

Market-leading, end-to-end merchant account solutions:

• 100+ currencies supported (multi-currency)

• Speed and simplicity at its core

• Flexibility for you to process different payment methods

• Security and compliance at its foundation

• Next generation transaction monitoring

• Best-in-class services for compliance and security

• Principal membership with VISA and MasterCard for all EU and

EEA countries

Partnering with acquiring banks all over the world, enabling

global trades:

• Processing currencies & remittance currencies

• EU licensed acquiring institution

acquiring.com can offer you transaction processing in over 100 authorisation currencies and 14 settlement currencies.

Allowing you the flexibility to sell to multiple markets with one, or multiple websites.

The 14 settlement currencies include: GBP, EUR, USD, AUD, CAD, NVD, HKD, JPY, ZAR, CHF, NOK, SEK, DKK, PLN,

Acquiring Platform Overview

We are small, agile and have genuine customer concern – we make decisions quickly

Dedicated Support

Fast Onboarding

Electronic Signatures

01 02 03 04 05Complete application

Underwriting 72 hours

Contract issued via DocuSign

Ready to transact

Implementation of account 48 hours

DEDICATED ACCOUNT BOARDING MANAGER

Acquiring Platform Overview - Onboarding

Acquiring Platform Overview – Fraud & Transaction Monitoring

• Able to provide your business with real-time alerts regarding suspicious transaction

• Comprehensive monitoring by collaborating with third party solutions and combining them with

proprietary tools we have developed

• Defining Risk Profile and Risk scoring system

• Proactive Risk Management and real time alerts and monitoring

• Helps you recognise unusual or sudden changes in your customer activity

• Protects your brand and image, boosting confidence and loyalty in your business

• Avoid high-value fines for poor performance on fraud and chargebacks from Card Scheme

Compliance

• Protects you and the integrity of your payment system

• Helping to save you money, defend chargeback cases the STFS chargeback team work on your behalf to recover invalid disputed files against you.

• Reduce risk of chargeback being upheld

• Increase profits

• Improve customer retention through prevention

• Recover revenue

• Avoid excessive fees

• Comprehensive daily chargeback report available

• Provide historical fraud reports with TC40/SAFE data

TC40/SAFE reports include more than just

your chargebacks, they help you to access

your fraud prevention and risk

management. They are vital in helping you

to create more effective fraud strategies.

Acquiring Platform Overview – Chargebacks Team

// 17

PSP and Acquirer Partner Network

Results in strong merchant acquisition

TRU//ST offer their platform to merchants through a network of other referring gateway and merchant acquirer partners

Secure Trading serves as a full service gateway and merchant acquirer

Merchants Acquirers PSPs Merchants

Secure Trading provide the flexibility to support gateway services, acquiring services or both

G AT E W AY - L E D M E R C H A N T A C Q U I R E R - L E D

Hosted payment processing

• Allows you to process payments via your website using a payment screen hosted by us.

• Hosted payment pages are:

• Mobile-responsive design

• Easily integrated

• Customisable to the cards and APM’s you accept

• Seamless updates via redirects and notifications to your site for real time ordering

• Reduce the level of PCI DSS compliance to the lowest possible level you need to undergo as you do not store card details on your server

• Can be easily customised to your brand and hosted in iframe

• Cost benefit as we host your payment page

Your choice of integration - Payment Pages

• Process payments without storing credit card

details on your server

• Reduces PCI scope

• Typically merchants will need a level 4 PCI

Accreditation

• Fully customisable display

• Mobile optimized

• Payment notifications

• Customer re-directs

Payment Pages are mobile responsive

Choice Page Details Page Response Page

Completely transparent implementation

• Custom implementation options

• Completely transparent to consumer

Your choice on customization

Merchants can customise their Payment Pages by using CSS and/or JavaScript.

AbanteCart HikaShop

AlegroCart Hybris

Avactis Interspire

OpenCartCubeCart

Batavi Magento

CS-Cart nopCommerce

Drupal Commerce osCMax

Ecwid osCommerce

JigoshopAxis

OXID Shop VirtueMart

PrestaShop WordPress

Tomato Cart X-Cart

ViArt Zeuscart

Zen CartUbercart

Loaded Commerce LemonStand 24

25

Virtual terminal (moto)

• Available to some of your pre-defined user levels within MyST. Take payments on behalf of your

customer by entering details in a secure environment.

• Requires you to have a MOTO (Mail Order/Telephone Order) MID.

• Allows you to set mandatory fields for virtual terminal transactions, tailoring the form for your business needs.

• Secure payment process

• Real-time response to payment authorization

• Audit payments through transaction views identifying who placed orders

• No integration required – ready to use as soon as you’re live

26

Webservices or STAPI for the recurring accommodation transactions

Hosted Payment Pages for MOOC (Massive Open-Enrollment Online Courses)

Integration model example - LSE

Call center payments through MOTO*

27

ST Payme

• Accept payments online without the need for a website.

• Email your customers with a secure link directly from your MyST dashboard to pay a set amount and benefit from 3D Secure.

• Give your customers more freedom around when they pay.

• Re-capture abandoned carts through targeted ST PayMe emails.

Webservices payment interface

• Allows you to connect to our system directly (server-to-server) and process

payments through an XML Webservices interface.

• The Webservices payment interface:

• Gives you full control over the payment flow implementation

• Allows quick and direct payment processing as the connection is

server-to-server

• Provides direct access to the full functionality of our payment

system through XML requests

• Easily adaptable to your locality – multilingual and multi-currency

• Requires a high level of PCI-DSS compliance as you are collecting

and processing card details directly on your server

Your choice of integration - JSON

ST GATEWAY

1

SERVER SDK

Merchant Webserver

Customers browser

2

Payment card details

Token

Token/customer details

3

4JSON Authorisation Request

• We can now offer merchants a flexible API (Application Programming Interface) solution that can remove the burden of storing sensitive card details on their servers.

• By not storing sensitive card details on their server, the merchant can potentially reduce the set of stringent PCI DSS (Payment Card Industry Data Security Standard) requirements they need to adhere to.

• Reduction of PCI DSS requirements could mean a saving in both time and money for our merchants i.e. avoiding audits and extensive paperwork.

• JavaScript Library which together can be used to securely handle and submit the customer’s payment card details as part of an authorisation request.

• We have both server and client-side SDK’s written in multiple languages.

Your choice of integration - JSON• We can now offer merchants a flexible API

(Application Programming Interface) solution that can remove the burden of storing sensitive card details on their servers.

• By not storing sensitive card details on their server, the merchant can potentially reduce the set of stringent PCI DSS (Payment Card Industry Data Security Standard) requirements they need to adhere to.

• Reduction of PCI DSS requirements could mean a saving in both time and money for our merchants i.e. avoiding audits and extensive paperwork.

• JavaScript Library which together can be used to securely handle and submit the customer’s payment card details as part of an authorisation request.

• We have both server and client-side SDK’s written in multiple languages.

4WS GMerchant’sAcquiring

Bank

GCustomer’sCard Issuer

Submits Request

Receives Response

Your choice of integration – ST PayMe, email payment requests

• Merchants can request payment from their customer by email.

• Merchant specifies the recipient and amount within the ST PayMe section in MyST.

• The customer receives an email containing a link to the merchant’s payment pages.

GATEWAYFRAUD

SERVICESACQUIRING

RETAIL / MOBILE ONLINESTORE

SECURITY SERVICES

Provide ecommerce and mobile payment solutions to allow merchants and partners to drive global commerce. Linking the online world with the offline world with new cutting edge app-based POS solutions. Single global omnichannel payment solution provider TRU//ST Omni Payments and Value Add Services

E2E Payment Solution

MyST Client Reporting

• MyST gives you real-time access to your payment history for transactions.

• View, refund, repeat or cancel transactions in one place

• Set permission levels for different user types

• Apply filters according to payment method used

• Specify settlement date of card transactions

• Download and export transaction details

• Upload and manage payment pages and email templates to our secure servers

• Pay your Secure Trading invoices

• Access and view all of your transactions no matter the payment method

• View merchant account details

MyST – Client / Partner Reporting

Transaction update

• Gives you the power to change a transaction

• Lower the settlement amount before settlement

• By API or MyST request

• Suspend payment while you perform stock checks updating to pending once

availability is confirmed

• Check payments suspended for fraud by Secure Trading and update to

‘pending’ or ‘cancelled’

35

Point of Sale

TRUST POS Terminal Choices

Castles VEGA3000CCounter-top Chip&PIN Device

Connects to an EPOS terminal or network router/Wi-Fi hub by

ethernet cableCan be available with a connected

(consumer-facing) PIN Pad

Castles VEGA3000MWireless Mobile Chip&PIN Device

Connects to gateway by Wi-Fi or 3G/4G, USB or Bluetooth (via tablet/smartphone)

Comes with AC adaptor/cable and charging cradle

Castles MP200Bluetooth Mobile Chip&PIN Device

Connects to gateway via smartphone or tabletComes with USB Cable

Castles VEGA3000PCounter-top Card Reader/PIN Pad

Connects to an Vega 3000C terminal by special cable

Customer Integration Projects Only

Castles Vega 3000M v Established Terminals Today….

Ingenico iWL250 Verifone 680

Castles Vega 3000C v Established Terminals Today

Ingenico iCT250 Verifone VX 820

Castles MP200 v Established Terminals Today

Miura M020 iZettle 2Ingenico iCMP Verifone e355

Castles VEGA3000C

• Counter-top Chip & PIN Terminal• Mag-stripe, contact, contactless, APM’s• Integrated thermal receipt printer• Large colour touchscreen, ideal for optional apps & services*• Fitted PIN pad privacy shield• Connects to an EPOS terminal or network router/Wi-Fi hub by:

• Wi-Fi• Ethernet cable

• Can be available with a connected (consumer-facing) PIN Pad**• Suitable for:

• Hotel check-in-desks• Over the counter payments• Fixed points of sale

* TBC** End-user Customer integration projects only

Castles VEGA3000M

• Portable Chip & PIN Terminal• Mag-stripe, contact, contactless, APM’s• Communications: Wi-Fi, 3G/4G, Bluetooth and USB• Integrated thermal receipt printer• Fitted PIN pad privacy shield• Large colour touchscreen, ideal for optional apps & services*• Optional charging cradle• Suitable for:

• POS on the move (i.e. table service, field sales etc)• Over the counter payments (fixed and mobile)• General retail and hospitality

* TBC

Castles MP200

• Mobile Chip & PIN Terminal for On-the-go Payments• Mag-stripe, contact, contactless, APM’s• Communications: Bluetooth and USB• Large colour touchscreen• Integrates with Android and iOS smartphones and tablets via POS application

(available on Apple App Store and Google Play Store)• Designed for easy mobility and durability• Suitable for:

• POS on the move (i.e. table service, field sales etc)• Over the counter payments (fixed and mobile)• Independent business owners:

• General retail• Hospitality

Castles Device Benefits Summary

▪ State-of-the-art, Globally-installed Payment Terminals▪ Long PCI-approval status (2023)▪ Large, Bright, Colour Displays▪ Touchscreens▪ Multiple Connection Options as Standard

Standalone POS: Counter EPOS Overview

Omnipay

AEVI Pay Gateway

Existing Counter-top EPOSMerchant HQ

Receive tender amount from EPOS

Connect with gateway,Card transaction accepted/declined Tender amount manually entered

Semi-Integrated POS: Pay@POS Overview

Omnipay

AEVI Pay Gateway

Existing Counter-top EPOSMerchant HQ

Receive tender amount from EPOS

Connect with gateway,Card Transaction accepted/declined

Semi-Integrated POS: Pay@Table Overview

Omnipay

Customer service at the table

AEVI Pay Gateway

Existing Counter-top EPOSMerchant HQ

• Waiter sign-on• Lock table• Print Bill• Split Payments• Enter Tips• Unlock Table

• Receive tender amount from EPOS

• Connect with gateway• Tranx accepted/declined

Semi-Integrated POS: Smartphone POS Overview

Omnipay

AEVI Pay Gateway

Merchant Portal

Connect with gateway,Card Tranx accepted/declined

Smartphone Payment app

(for iOS & Android)

All Reporting and Product File Functions

Leapfrog to Omnichannel

// 49

Omnichannel = POS + POS Apps + eCommerce + Mobile + eCommerce/ Gateway + Social Selling

• Development of marketplace apps and the enhancement of Cloud POS

• Innovation drive as new payment initiatives emerge like non-form

factor payments

• Providing new ways to interact with customers with an end-to-end,

frictionless payments journey

• Making this available to the wider consumer market place

• Expand in non-core verticals such as transport

• Wearable tech and MPOS will be a key focus at the SME market

• Wallet-based payment solution for no-stand card scheme payment

option

• The expansion of SME payment types that require invoice payment

links to reduce the overhead on the smaller merchant to manage their

payment stack

The Global POS Terminal volume is worth $98bn by 2022 as per Gartner.

How Will ST Differentiate?

• Offer More Innovation• Add More Business Value• Offer Omni-Channel• Offer Total Solutions• Enhance Consumer Choice & Experience• Introduce Staff Productivity Solutions with Payments• Develop, Offer and Support New Ways To Pay• Partner Collaboration and Professional Services• POS: Anywhere

Offer More Innovation

• Semi-Integrated POS with EPOShttps://www.youtube.com/watch?v=hkGsO6D2Wtc

SmartPOS• https://www.youtube.com/watch?v=p3bzhUlAsNk

Android-based multi-function POS terminals are the new baseline

New Ways To Pay

Payments on COTS DevicesPIN on MobileEMV-enabled Smartphone NFC Readers

Crypto POS

Smartphone payments

POS: Not Just In Stores & Restaurants

Value-Added Product Services

56

Dynamic Currency Conversion

• Gives international consumers the option to

pay in either the local currency or their

domestic currency.

• Only available on MasterCard or Visa; with

the FX rate and mark up displayed, DCC allows

customers to make informed decisions about

their spending abroad.

• Provides you with an extra revenue source

and removes any foreign currency exchange

risk whilst being compliant with card scheme

rules and acquiring banks.

• Your customers receive a good exchange rate

and can instantly see the cost in their own

currency.

Merchant receives settlement of €100 as usual and a separate

additional FX revenue share on the transaction.

Merchant sells goods orservices for e.g. €100.

DCC-enabled merchants can accept payments In different currencies. Cardholder chooses to pay

in their home currency.

Secure Trading’s solution removes the foreign exchange risk and the merchant

receives a guaranteed commission share.

APM’S YOU CAN ACCESS AS AN STFS & STL CUSTOMER

• Remove the restrictions on your reach and open up new markets

with the ability to handle a large variety of different payment

options.

• Alternative payment methods (APM’s) allow your customers to

spend online using their preferred payment method.

• APM’s can have strong market penetration so its important to offer

these payment methods to maximise your reach and ease entry

into new markets.

• APM’s are often developed to meet the specific needs of their local

market, meeting their rules, regulations and language

requirements.

• By offering your customers their preferred payment choice, you

increase your conversions and loyalty while quickly gaining their

trust.

STFS & 3RD PARTY GATEWAY *

STL & 3rd PARTY ACQUIRER *

STFS & STL

American express ✓ ✓ ✓

mastercard ✓ ✓ ✓

visa ✓ ✓ ✓

Paypal ✓ ✓ ✓

Cashtocode ✓ ✓

Japan Credit Bureau (JCB) ✓

Diners club international ✓

Discover network ✓

Sofort ✓

Alipay ✓

My bank ✓

Ideal ✓

Przelewy 24 ✓

Eps ✓

Paysafecard ✓

Safety pay ✓

Pay u ✓

Giropay ✓

Qiwi ✓

Trustly ✓

bancontact ✓

* Offering dependent on functionality of 3rd Party

Tokenisation & recurring payments

Tokenisation can cut PCI

compliance bills by up to 50%

• Process transactions without asking for card details again

using a unique token we provide you

• Increase conversions with a quicker payment process not

requiring customers to re-enter card data

• Avoid sensitive data being stored on your server as we

securely save customer card details, reducing costs and PCI

scope

• This is saved against your user account so that going forward

customers can use the tokens instead of card data.

3D Secure

• 3D Secure is part of the authentication process for e-commerce

payments, and helps merchants to avoid fraud liability, pay lower

processing fees to your bank and transact with confidence.

• Secure Trading have partnered with CardinalCommerce to deliver EMV®

3DS. 3D Secure can either be called by the merchant hosted payment

page to complete transactions using the API, or via the Secure Trading-

hosted payment pages to connect to Cardinal Commerce.

• Online transactions in scope of SCA will flow through our EMV 3-D

Secure solution. We are actively planning how exemptions will be

supported.

• We are in close contact with industry stakeholders and regulators

regarding any influencing factors on SCA and the deadline.

ST Active / Active System and Redundancy

Active / Active solution

ST Active / Active Solution - High level architecture diagram and redundancy

20 Gateways 40 Other acquirers

Active / Active – DR configuration

• Cloud hosting

• Hosted across two regions

• Active-Active setup

• Service Orientated Architecture (SOA)

• Automated Infrastructure as Code (IaC)

• Redundancy in acquirer connections

• Data replicated across hosted regions

• Automatic region switchover

Technical integration

• Hosted integration solution

• Restful API interface

• Automated reporting interface

• Web portal with access control

levels

• Rule Manager

• Perform automated actions on auths

• BIN routing or blocking

• Transaction blocking

• Issuer country blocking and

routing

• Currency routing

• Least cost routing

Dynamic routing

Voice of Customer

Market Opportunity – Voice of customer New Verticals

// Ecommerce / Sports Betting / Crypto

“Bit4.Sale are new to card payments, and Secure Trading/acquiring.com’s proven expertise

makes them the perfect payments providers to help us take our first steps in this area,” AlekseiKriachkov, the owner of Bit4Sale said. “As a new company, we want to choose only service

providers with prominence in the Blockchain and crypto sectors, and this relationship will

ensure that. Having said that, this partnership will help us deliver the best possible experience

to our customers. The process of purchasing Bitcoin, Ethereum, Litecoin, Ripple and Bitcoin

Cash from our cryptocurrency exchange is secure and seamless. All our clients need is to

register on the exchange, verify their identity, which has been set up in a user-friendly and easy

way, and place their first order!”

Market Opportunity – Voice of customer Traditional Verticals

// Payment Tech Companies / Hotels / Education

“Secure Trading have a 100% uptime record on their payment gateway over the last 18 years, and this level of reliability is essential for our app,” Abdul Senan, CEO of Totipay said. “Additionally, they were able to offer us a very competitive pricing model for their payment solutions, so our processing fees are kept low.”

“Secure Trading’s attention to detail when it comes to customer service was a key

influence is deciding to take them on as acquirer. We have a dedicated account

manager who is always available, as well as access to a friendly and helpful UK-based

support team,” John Simms, Owner of the Weston Hotel, said. “No matter where our

guests are booking from, Secure Trading’s array of local payment methods make the

process simple and fast. They have proven to be a fantastic gateway provider up to this

point, so it only makes sense for us to develop this relationship by adding

acquiring.com to our payments system.”

“Using Secure Trading for both payment processing and as our card acquirer, we now benefit from having one point of contact for the entire payments process." Ali Dezyanian, Deputy Head of Financial Systems at LSE

PSPIndustry

Online

Social

// WE CARE ABOUT OUR CUSTOMERS

REP

OFFICE

PSP

We are client-focused, with client-first culture.

We use a mature distribution model to support all business verticals

Our Customer

• Core Approach is Direct• Outer Rim

• Support• Reps• Tools

• Long Term Approach• Outer White Rim • PR and Bus Dev• Pillar Content

• Blog• Releases• Articles

TRU//ST Confidential 2019 // 66

Next steps….. We are here to win your business

What sets us apart

68

Tailored approachOffering precision solutions following close consultation

Open partnership Accountability, clarity and

integrity are engrained within our culture

Innovative & disruptive challenging industry standards

Peace of mindan un-interrupted,

accountable experience

Constantly evolving delivering increased

efficiency and empowering self-service

People first delivers real talent as

payments experts

Industry challengers Disrupting the competitor

landscape consistently while mitigating risk

Customer first Invest further in our award winning customer service

levels – you are our priority

Increase your reach and capabilities through

strategic partnerships

Inspire through pioneering

innovation and maintaining development momentum

WHERE WE ARE

THE FUTURE FOR SECURE TRADING

We want to earn the right for your business

• Optimise your workflow with one easy integration

• Work with one expert for all of your payment needs - one payment partner

• Cut costs and development time

• Streamline efficiencies and reduce overheads for your payment process

• Streamline costs for fraud through a flexible, bespoke approach

• Increase your revenue and reach by offering your customers more local and flexible online payment options

Thank you

End-to-End Omnichannel Global Payments and Banking Solutions

P OW E R I N G PAY M E N T S . P OW E R I N G C O M M E R C E .