GHL Systems’ family of award-winning netAccess enterprise payment network devices are essentially simple, plug-and-play routing devices that provide protocol conversion and allow multiple payment devices or EDC terminals to be interconnected, and then simultaneously routing transactions quickly to multiple destination hosts – without ever having to replace or redeploy EDC terminals. The L & X-Series payment routers are merchant-level, LAN-optimized network transaction concentrators and routers that enable EDC terminals to be networked and to perform extremely cost-effective and efficient transaction routing from these LAN terminals to the acquiring parties. Upgrade and transform their legacy payment networks from traditional RS232 EDC terminals to RS485 or TCP/IP – without having to re-deploy or change their existing infrastructure or network Exploit more efficient or faster wireless communications (Wi-Fi, GPRS, EDGE or HSDPA) channels Use other communications channels as secondary pr backup links (ADSL, PSTN-ODD) Transform variable communication costs to fixed costs Route transactions to multiple hosts accurately and securely

1. September. 2010 NetAccess L-Series - a gateway to Competitive Edge and Cost Saving

2. Private and Confidential. Copyright of GHL Systems Berhad L-series Benefits and Competitive Edges for Acquirers

4. Competitive Edge -Scenario 1- Chain 3edc/Outlet Private and Confidential. Copyright of GHL Systems Berhad Bank A Merchant A Bank B Existing Acquirer with MDR=1.7% using 3 dialup terminals 1. Proposal to acquire with MDR=1.6% using 3 dialup terminals A2. Request Bank A to reduce MDR to 1.6% or lower A3. Bank A approved request. B2. Director resolution to change bank B3. Opening Bank B account B4. Install Bank B terminals B5. Training of cashier to use new terminals. B6. Request Bank A to retrieve old terminals. Bank A Merchant A Bank B Existing Acquirer with MDR=1.7% using 3 dialup terminals 1. Proposal to acquire with MDR=1.7% using 3 GPRS network terminals A2. Request Bank A to provide new GPRS network terminals? A3. Bank A not ready with GPRS infra from GHL. B2. Director resolution to change bank B3. Opening Bank B account B4. Install Bank B terminals B5. Training of cashier to use new terminals. B6. Request Bank A to retrieve old terminals. Merchant’s Benefits: Save telephone charges of about USD30/month/outlet Faster transaction time of 8 sec, reduce queuing at cashier X X GPRS

5. Private and Confidential. Copyright of GHL Systems Berhad Lower Cost of Ownership Solution For Acquiring Multi-lane Merchants RS-232 RS-232 RS-485 Ethernet Length: 1.2km Length: 50 ft Leased-line or IP-VPN PSTN ADSL GPRS 1 PRI 1 SEC TER X Lower by 85% Communication Cost and with two redundancy Cost saving in using existing Cabling (RS-485 or IP) Using same (old) terminal for both dialup and network. No need upgrade or separate inventory GPRS 2 PRI 2

6. Competitive Edge -Scenario 2- 10 to 30 EDC terminals Multi-lane Private and Confidential. Copyright of GHL Systems Berhad Bank B Proposed Specifications Bank C IP-VPN Networking GHL’s L350 IP-VPN Primary Connection GPRS-1 and/or GPRS-2 ISDN Secondary Con. ADSL None Tertiary Connection PSTN New IP Cabling Cabling Existing RS-485 Higher Upfront Cost (CAPEX) Lower RM1,500/month Monthly Cost RM200/month Higher Transaction Cost Lower Higher MDR Lower Lost Sales Outcome Win

7. Competitive Edge -Scenario 3 – Battle of Desktops Private and Confidential. Copyright of GHL Systems Berhad Bank X Bank Y Bank X Proposal to Merchant Bank Y Dialup EDC Terminal EDC + L100 About RM100/month on RM100k/mth sales Telephone Call Charges FREE Lower Monthly Bank’s Cost Higher, <0.05% MDR 11 to 15 sec Transaction Time 8 sec Same Proposed MDR Same LOST Sales Outcome WIN

8. Competitive Edge -Scenario 4 – Low-cost Multi-Lane with 4 to 10 terminals Private and Confidential. Copyright of GHL Systems Berhad Bank Z Merchant GPRS 1 GPRS 2 ADSL Pri-GPRS Sec-GPRS Ter - ADSL Bank’s Network Bank Bank Z Bank M Bank N Connection L200/2xGPRS IP-VPN PSTN dial-up TCO- upfront & operation Medium High Low MDR Medium Highest Lowest Sales Outcome Win vs Bank M – lower MDR Win vs Bank N – same MDR, faster and no communication cost for merchant Lost to Bank Z due to MDR Lost to Bank Z due to terminal speed and no communication cost RS-232 RS-232 RS-232 RS-232 X-10 X-10 X-10 L200

9. Private and Confidential. Copyright of GHL Systems Berhad NetAccess L200 Optimus -application Retail Payment Communication

11. Celco’s Closed User Group -FREE CALLS New Retail Payment Communication -Cut off your PSTN fixed line connection RJ-11 cable Handset Data Voice GSM/3G GPRS/3G Card transaction Bank RPC (Retail Payment Communication) EDC Terminal Internet PC and or ECR TCP/IP

13. Private and Confidential. Copyright of GHL Systems Berhad NetAccess L-series Product Offering

14. Desktop GPRS Terminal Options Note * : eDebit Transaction time (average of 5 transactions with Card Pay’s Host), from pressing Enter Key to 1 st . Receipt printed out. terminal picture One or two Celco SIM, supports up to 10 terminals Proven One Celco SIM support up to 5 terminals Proven One piece One or two Celco SIM, supports up to 10 terminals 24MB Ram 2 CPUs Proven One Celco SIM support up to 5 terminals 24MB Ram 2 CPUs Proven One piece 24MB Ram 2 CPUs Proven Advantages 15.52sec 15.52sec 20.6sec 8.76sec 7.96sec 8.03sec Settlement Time* 12.08sec 11.02sec 15.9sec 11.46sec 10.40sec 12.74sec Void Time* 11.94sec 11.68sec 16.8sec 11.34sec 10.84sec 12.06sec Sales Time* VeriFone Vx510 + NA L200 VeriFone Vx510 + NA L100 VeriFone Vx510 GPRS Ingenico EFT930S + NA L200 Ingenico EFT930S + NA L100 Ingenico EFT930SG Terminal Model

15. Desktop GPRS Terminal vs GPRS Cluster Desktop Terminals Note * : eDebit Transaction, from pressing Enter Key to 1 st . Receipt printed out. terminal picture Fastest One GPRS SIM per EDC network up to 10 terminals. Lowest cost 1.Fastest 2.One GPRS SIM per EDC network up to 10 terminals. 3.Lower cost 1.Fastest 2.One GPRS SIM per EDC network up to 10 terminals. 3.Lower cost 1.Fastest 2.One GPRS SIM per EDC network up to 10 terminals. 1. Verifone has a reliable brand 1.Fast 2.Proven for 3 yrs. 3.Ingenico is the largest vendor in the world. Advantages 5X 1.25X 4X 1.3X 3X 1.5X 2X 2X 2X 2X 2X 2X Price / site Price/terminal Yes Yes Yes Yes No No 2 nd GPRS Sim <12sec <12sec <12sec 11.34sec 16.8sec 12.06sec Sales Time* Ingenico 4x EFT930S + NA L200 Ingenico 3x EFT930S + NA L200 Ingenico 2x EFT930S + NA L200 Ingenico EFT930S + NA L200 VeriFone Vx510 GPRS Ingenico EFT930SG Terminal Model

16. NetAccess L-Series Product Offering Ideal for setting up MallNet, loyalty& payment network in shopping mall. Load Balancing 30 to 120 RS232,RS485, TCP/IP Yes X.25, TCP/IP, ISDN L1000 Can support 30 RS-485 devices, and with 30units X-10, can support up to 90 terminals 30 (30-90) RS232,RS485, TCP/IP, WIFI Yes GPRS/EDGE, 3G/HSDPA, TCP/IP, PSTN L350 3G/HSDPA uplink and WIFI downlink are optional 15 RS232,RS485, TCP/IP Yes GPRS/EDGE, TCP/IP, PSTN L300 Retail payment communication includes voice, internet and payment in one box to save merchant money. 10 RS232,RS485, TCP/IP, PSTN ports Yes 2x GPRS, TCP/IP, GSM L200 Optimus 2 mobile SIM for auto failover from primary GPRS to secondary GPRS 10 RS232,RS485, TCP/IP Yes 2x GPRS, TCP/IP L200 Improve EMV transaction speed of terminal by up to 5 sec from PSTN speed 5 RS232,RS485, TCP/IP No GPRS, TCP/IP L100 Convert PSTN terminals to GPRS without software change 3 PSTN ports, TCP/IP No GPRS, TCP/IP L50 Convert PSTN terminal to multi-lane terminal 3 (4) RS-232, RS-485,TCP/IP No RS-485, TCP/IP X-10 Special Features Max No. of Terminal Downlink Uplink Failover? Uplink NetAccess Model

17. Private and Confidential. Copyright of GHL Systems Berhad L-Series Other Deployment Scenarios

18. GHL’s Solution for Transit Private and Confidential. Copyright of GHL Systems Berhad NetAccess L-350 VersaRead VR-300 TCP/IP ADSL / 3G FSI’s Host or Transit Operator’s server

20. Private and Confidential. Copyright of GHL Systems Berhad NetAccess: Key Advantages