Instead of filling out old fashioned cheques, addressing envelopes, affixing postage, visiting the mail box or waiting in queues - why not try the easy way to pay your bills. Less hassles, less stress, maximum convenience. OPTION A Visit the web site www.Payments.com.au Step 1 Enter the Biller ID and Ref No from your invoice Step 2 Enter your credit card details and pay the bill - instantly and securely in real-time. Step 3 Print out a receipt confirming your payment. There is no need to do anything else at all but relax. Your next months credit card statement will have details of the Payment that you have made. One of the major benefits for customers is that there is no need for them to pre-register. All they need do is visit the site - and pay the invoice. Simple. OPTION B Telephone 1300 722 001, then simply follow the automated instructions to pay your bill: Enter the Biller ID Enter the Ref No Enter the amount of your Payment Enter your credit card number Enter your credit card expiry month/year If you are ready - Submit your invoice for Payment Write down the Transaction Receipt Number Your bill is paid securely in real-time. There is no need to do anything else at all but relax. Your next months credit card statement will have details of the Payment that you have made. How Payments.com.au works for the Merchant Staff are not required to process Payment receipts Admin staff can be better used as Sales Staff No need to go to the bank to deposit your receipts Less cash at your business means less theft Cleared funds deposited directly into your bank account No more dishonours Low set up and low running fees Real-time reporting of transactions Full access to Merchant Administration System Reconcile all customer Payments quickly and easily Nothing could be simpler Very cost effective Improve your cash flow No more 'cheques in the mail' Satisfies GST reporting requirements Total control and total convenience How to join as a Merchant To participate at Payments.com.au as a Merchant - you need to do the following: Obtain a copy of Uniwin Cash Collector Software - available from your local retailer - or from the Payments.com.au web site (RRP $60 AUD Obtain an Internet Merchant Terminal ID from your bank. This is available from any of the following banks: Advance Bank, ANZ Bank, Bank of Melbourne, Bank SA, BankWest, Bendigo Bank, Challenge Bank, Colonial State Bank, Commonwealth Bank, Macquarie Bank, National Australia Bank, St George Bank, Suncorp Metway, Westpac. Complete the required Merchant details at www.Payments.com.au Once you provide us your Internet Merchant Terminal ID you will then have 60 days to trial the system. After 60 days you will be required to pay yearly maintenance fees and/or monthly fees depennding on the schedule you have chosen. If your transaction account balance falls below $0.69 cents then you will be unable to continue accepting payments. You can add to your Transaction Account at any time through the Merchant Administration section enabling you to accept payments. You can then immediately commence collecting Payments from your customers. Once your site is operational - all you need do is keep an eye on the Transaction Account balance, and watch your account balance grow as your customers pay your invoices. What could be easier? How does the Merchant get paid? The full amount of the Payment made by the customer is deposited into the Merchants bank account as clear funds at the time the Payment is made by the customer (subject to each individual banks clearing times). The Merchant can draw against those funds from their bank account at any time.

The Best of Both Worlds A more efficent Payment process has advantages for customers and merchants alike. With a lower collection cost (less fees, less reconciling, less admin staff), the savings can be passed on to the customer in lower prices. Customers find it easier to pay. They can use the Internet, there are telephones everywhere, they can pay their bills at any time of the day or night, any day of the week. At a time and place that suits them. Because the customers can use their credit card to pay the Merchants Account, it allows them to smooth over their cashflow, which means that they are more likely to pay the Merchant more quickly. Now there is no excuse for not paying on time. Why not take advantage of the new Internet economy - before your competitors do.