MICAMP

Strictly confidential

ST Vision of Success and Partnership

+ Secure Trading earns the right to be Micamp’s

Gateway / payments innovation partner for card

processing, Prepaid issuing and ACH.

+ Collaborate on initiatives that enable a better

payment experience for Poker Stars and their

customers.

+ Work with Micamp and our partners in iGaming and

Sports betting verticals to expand their reach.

2

Who we are.

Secure Trading Limited / Acquiring.com / ST1 (USA) is the

enterprise company poised to support Merchants / PSP’s /

ISO’s / PF’s to seize a share of the global multi-trillion dollar

addressable payments market.

The advent of bitcoin, blockchain, and borderless payments

within the electronic payment's world has created a virtual

global gold rush.

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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 e

UK- Leading Independent

Gateway with 3D Secure +

alternative payments

Malta - Acquiring Platform with

Proprietary Technology Servicing

Global; Merchants and Enterprise

Clients – PSPs / ISOs / PFs

US – Gaming Platform for sports

and Daily Fantasy sports. ISO

Gateway with multiple bank

certifications

-Speed of merchant application decision: allowing

merchant and our partners to focus on what they do

best

- Customised PSP / Payment Facilitator / ISO / High

Risk Merchants 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 solutions

transaction reporting

- Business orientated A/C Managers who understand

your needs: Dedicated A/C managers to assist

targeting of verticals and advising on key product

solutions, from Fraud and Chargeback management to

new payment types1. 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 Secure Trading

Executive Summary

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2013 2014 2015 2016 2017

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// Global Footprint – 60 bank relationships worldwide

// What we want to do in the US

Become a gateway disrupter for ISO’s

ISO solution - single gateway ( single acquiring (US /EMEA) / single Reporting (MY ST) / single Alp

Payment solutions / single 3DS V2 solution provider

ISO POS – Omnichannel solution for POS – App based solution

ST / Micamp

Joint Solution – product / support / sales

Open up acquiring.com to key US verticals for Micamp – CBD / Crypto / Money Remittance ( exclusive

for 12 months)

Our greatest Asset ……..Our People

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Daniel Holden

CEO

Jonathan O’Connor

CCO

Barry Corbett

Group COO

Ian Hughes

CTO

● Daniel leads the Payment Group, driving strategy across the payments assets

● Previously held senior positions at Deloitte and Capita, and was involved in a number of venture capital-backed

companies

● Jonathan is responsible for commercialising the Secure Trading’s core business and future expansion including sales /

A/C Management / Global PMO/ Marketing and the development of new product payments technology

● 25 years + payments veteran. Founder of Elavon Europe. 12 years at First Data. Managed eCommerce EMEA Sales /

Established FDMS Europe. Last 5 years based in the US 0 - 35M in Revenue > 3 years. Passionate sales leader

● Ian is responsible for all aspects of Secure Trading’s IT infrastructure and application development, support and

maintenance

● With over 16 years of technical and IT management experience

● Barry is an award-winning financial services expert, bringing over a decade of experience in capital markets and

transformative technology.

● He runs the operational strategy and product delivery

Will Ingles

CFO

● Will is a seasoned finance professional with 20 + years working in many countries around the world to deliver thoughtful,

well-reasoned financial analysis, commercial business insights and management reporting.

● Will is responsible for all aspects of the Financial governance, control and planning for the group.

Our Exco Leadership

Our Leadership – Acquiring.com

Our Leadership – Acquiring.com

Paul Adams

Head of Sales –

Acquiring.com

Colum Rafferty

EMEA / APAC

Head of Sales

The NEW ST Team …..Team of WINNERS!

Jeannie Stinnett

Global Sales

Commercialization

Tony Saunders

POS Pricing Sales

Specialists

Mark Keohane

POS Product Sales

Specialists

Kevin Dodson

GM ST 1 USA

Jason Noto

Legal Council

Combined experience POS 150 years / Acquiring 200 years + eCommerce 140 years // 12

Eric LevyGlobal PMO

Kerry Fallon Product MGT

John Malone

Marketing

Craig Brightly

Head of Sales STL Neil

A/C Mgt Leader

What do we do

ECOSYSTEM: END TO END PAYMENT SOLUTIONS

ONLINE

STOREGATEWAY

FRAUD

SERVICESACQUIRING

SECURITY

SERVICES

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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

Any MerchantCloud-Based

Collecting

Gateway

VISA

MasterCard

APMs

+ 50 Other

Acquirers

US

instance

European

instance

Micro-Service

Layer

Asia

instance Online

Banking

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// Leapfrog to Omnichannel 2020/2021

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Omnichannel = POS + POS Apps + eCommerce + Mobile + eCommerce/ Gateway + social selling

• Development of Market place apps and the enhancement

of Cloud POS

• will drive innovation as new payment initiative like non

form factor payments

• new ways to interact with customers from end to end

imbedding payments frictionless.

• Making this available to the wider consumer market place.

• Expand in non core vertical like transport.

• Wearable 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 his payment stack.

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

per Gartner.

POS / Omni Channel services Key Revenue opportunity 20 / 21 app

services

POS Rollout Concepts

OMNI-CHANNEL GATEWAY

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// 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 customizable display

Mobile Optimized

Payment Notifications

Customer Redirects

// Completely transparent implementation

Custom implementation options

Completely transparent to consumer

// Payment Pages are mobile responsive

Choice Page Details Page Response Page

// Your choice on customization

Merchants can customise their

Payment Pages by using CSS and/or

JavaScript.

// 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

Gateway

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.

US GAMING SOLUTIONS

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One Platform For Every Step Of The Transaction Process

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Our best in class technology together with a flexible design, allows gaming operators

to maintain control of their player on-boarding and payments strategy

REGISTRATION:VERIFICATION &

VALIDATION:

PAYMENT DEPOSIT

PROCESSING (PAY IN):

PLAYER WITHDRAWAL

PROCESSING (PAY OUT):SECURITY SERVICES: TAXATION:

Starting with a seamless player registration process,

through an API using standard JSON interfaces, to acquiring

services and withdrawal

Hosted service or

API based

Geo-IP to check

player’s location

Card acceptance rates

and seamless

pay-out options

Multiple withdrawal

options for your playersFully PCI DSS compliant

Taxation module to

calculate the players’

annual tax position

//E2E Sports Betting Payment and player validation platform

REPORTING & MAINTENANCE

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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

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MYST – Your omnichannel reporting Portal

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

• Manage rules in our rule manager

• 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

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TOKENISATION &

RECURRING PAYMENTS

• 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.

Tokenisation can cut

PCI compliance bills

by up to 50%

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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 or

services for e.g. €100.

DCC enabled merchants can accept payments

In different currencies. Cardholder chooses to pay

in their home currency.

Secure Trading solution removes the

foreign exchange risk and the merchant

receives a guaranteed commission share.

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APM’S YOU CAN ACCESS AS

A 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 ü ü ü

mastercard ü ü ü

visa ü ü ü

Paypal ü ü ü

Cashtocode ü ü

Japan Credit Bureau (JCB) ü

Diners club international ü

Discover network ü

Sofort ü

Alipay ü

My bank ü

Ideal ü

Przelewy 24 ü

Eps ü

Paysafecard ü

Safety pay ü

Pay u ü

Giropay ü

Qiwi ü

Trustly ü

bancontact ü

* Offering dependent on functionality of 3rd PartyStrictly confidential 33