enStage Electronic Prepaid Solutions

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• enStage Electronic Prepaid Solutions
• www.enstage.com

For more information contact Govind Setlur,
CEO, Email gsetlur_at_enstage.com Ph (408)
234-2834
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Electronic Prepaid Strong Benefits to Customers

• Flexible
• Can be loaded from any source of funds
• Can be used at any online merchant worldwide
• Activated in real-time at the point of payment
• Can be issued for specific needs Online
  Shopping, Recurring Payments, Instant Gift Card,
  Person-to-Person Payment, One-off Bill Payment
• Can be private labeled to increase number of
  payment solutions
• Strong co-branding opportunity
• Secure
• Can be configured with multiple levels of
  authentication
• Supports two-factor authentication with mobile
  handset
• Cards can be limited for specific uses
  Single-Use, Single-Merchant, Limited Use, Limited
  Value

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Electronic Prepaid Strong Benefits to Bank

• New source of transaction revenue
• Over 1.2 of transaction value
• No credit risk pre-funded cards
• Increases use of deposit accounts in e-commerce
• Deposit accounts, cash, other cards can be used
  to fund prepaid card
• Increases use of credit union deposit accounts in
  payments
• Increases member loyalty
• Flexible, secure payment solutions
• Payment solutions to suit specific needs

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Electronic Prepaid Card Implementation - HDFC Bank

• Private labeled as NetSafe
• Visa branded cards
• Used at online merchants worldwide
• Funded using Visa credit and debit cards
• High degree of customer loyalty
• In production for over three years
• Configuration
• Single-Use Card
• Limited Value US 5,000
• Expires in 24 hours if not used
• Highly automated process
• Visa Base I and Base II compliant for
  authorization and settlement
• Verified By Visa compliant
• Deploying MasterCard branded card in March 2007
• URLs
• www.hdfcbank.com
• www.hdfcbank.com/personal/payments/netsafe.htm

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Electronic Prepaid Card Implementation - KOTAK
Bank

• Private labeled as Netc_at_rd
• Visa branded card
• Used at online merchants worldwide
• Funded using Bank accounts
• High degree of customer loyalty
• Configuration
• Single-Use Card
• Limited Value US 2,500
• Expires in 48 hours if not used
• Highly automated process
• Processing service provided by enStage
• Visa Base I and Base II compliant for
  authorization and settlement
• Verified By Visa compliant
• URLs
• http//www.kotak.com/Kotak_BankSite/personal/cards
  /netcard.htm

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Electronic Prepaid Implementation

• Complete prepaid card management system
• Very limited interfacing required with existing
  systems
• User Enrollment with password management
• Extensive support for Credit Union users,
  administrators
• Card Management creation, activation,
  authorization, settlement
• Visa Gateway interfaces
• Browser based Customer Service
• Browser based Dispute Resolution and Chargeback
  Support
• Browser based transaction statements to members
• Interfaces with ISO8583 switches, networks
• Pre-enrollment authentication
• Debit, Credit, Balance Inquiry of source accounts
• Deployment in 4 to 6 weeks
• Hosted processing services by enStage

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About the Company

• Founded in 1999 operations in US and India
• Company has developed and deployed Online Banking
  and Payment Solutions and Services
• Some of the customers
• US Silicon Valley Bank
• India 5 of the 10 largest card issuing banks
• Owns extensive software IP
• Payment Solutions
• Payments Infrastructure
• Online Banking
• Authentication Solutions
• Operates Visa PCI compliant processing center in
  Bangalore, India
• Markets Visa, MasterCard certified card security
  software

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Consumer Payment Products
Company markets a number of card network based
payment and security solutions

• Online Payments
• Electronic Cards
• Single-Use cards
• Gift Cards
• Card Security
• Verified By Visa
• MasterCard SecureCode
• POS Payments
• Prepaid Cards Visa, MasterCard
• Travel, Gift, Corporate Cards,
• Store Loyalty Cards

• Remittance Solutions
• Visa Money Transfer
• Account to Account Remittances
• Remittance Service Portals
• Mobile Payments
• SMS based payments
• POS payments
• Person to Person payments
• Electronic card solutions on Mobile

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Consumer Payments Comprehensive Set of Solutions
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ACCOSA the Enterprise Payment Platform
Powerful, configurable platform enables products
across POS, Online, Mobile channels
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ACCOSA Powerful Prepaid Card Platform

• Prepaid plastic cards and electronic cards
• Transactions Supported
• ATM Balance Inquiry, Cash Withdrawal
• ATM PIN Change
• POS Purchase (PIN and non-PIN based)
• Visa MC Network and Settlement Messages
• Can easily be configured for the following
• Travel Cards international (multiple
  currencies) domestic
• Gift Cards for different seasons and occasions
• Corporate Cards - Payroll Cards, Employee
  Incentive Cards
• Store Loyalty and Discount cards
• Student Cards, Rewards Cards
• Any variant of electronic cards (Single-Use,
  Multi-Use, Merchant Specific)

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ACCOSA Customers
Banks and Service providers that have deployed
one or more payment solutions from enStage
Current Customers
In implementation
Current volume of cards being enabled for online
authentication by enStage in India approx. 25
Million
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