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<br />About eConnect <br /> <br />The eCashPad will enable your customers to pay you with either a card <br />present credit card swipe, or in the near future, with an ATM card with PIN <br />transaction. It is expected that your merchant bank will offer you a lower <br />credit card charge rate for receiving card present payments. Your customer's <br />can eventually use the eCashPad to pay you same as cash with ATM card <br />with PIN. That is real cash paid to you by your consumer. <br /> <br />The three benefits the eCashPad provides the customer: <br /> <br />1) It prevents any card data from being stored at the merchant's web site. <br /> <br />2) It enables card swiped credit card payments. Customers will be paying as <br />though standing in front of a merchant at a brick and mortar store. <br />Businesses may choose to offer incentive for card present credit card <br />payments. <br /> <br />3) It enables customers to pay with cash via an ATM card with PIN entered <br />on line debit payment. This is equivalent to a customer standing in front of <br />you and paying cash. We call these same-as-cash Internet payments, Bank <br />Eyes Only"" transactions. <br /> <br />The eCashpad is not designed to replace your existing shopping cart, it <br />simply serves as an alternate payment service option to your consumers. You <br />can still be paid by non-eCashPad payments as you are today. <br /> <br />How to register as a Bank Eyes Only"" merchant: <br /> <br />To receive an eCashPad Bank Eyes Only"" payment, you must first register <br />as a Bank Eyes Only"" merchant. <br /> <br />The Flow of a Bank Eyes Only"" Transaction: <br /> <br />To view the transaction flow, click here. <br /> <br />eConnect is bringing fundamental changes to the Internet transactions. <br /> <br />To order your eCashPad today, please send check or money orders to: <br /> <br />eConnect/eCashPad Order Department <br />2500 Via Cabrillo Marina, Suite 300 <br />San Pedro, CA 90731 <br /> <br />*If paying by credit card, please call (310) 241-6233. <br /> <br />To make online purchases with your eCashPad, look for merchants who <br />display the Bank Eyes Only"" secure checkout lane logo: <br /> <br />;". :t,A;<!i;F::;i;;\ij.l2*~'_:_... ."-:<' <br />-"COD~K'~t:bne <br /> <br />If you have any questions about registering as a merchant, please contact <br />our sales department by phone at (310) 241-6236 or by email at: <br /> <br />http://www.econnectholdings.com/about_uslaboutus.html <br /> <br />Page3 of 4 <br /> <br />4/30/2002 <br />