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Virtual Terminal Network

Personal and Merchant Account

User Guide

All Rights Reserved

Virtual Terminal Networksupport@virtualterminalnetwork.com

Phone: +1 301-483-9500LFR Communications, Inc. Laurel, MD USA

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Table of Contents

1. Introduction

What is VTN?Is there any need of VTN?Who needs VTN?How does VTN works?VTN and User Safety

2. Account Types

Personal AccountMerchant Account

3. Personal Account

Change PasswordEdit ProfileUpload your PhotoSMS Notification Control PanelFunds Check, Transfer and Withdrawal using GSM PhoneSend moneyAdd Funds using Scratch CardAdd Funds via an AgentView account loading history Raise disputesView Dispute OutcomeView Payments ReceivedView Payments SentView All Transactions View Pending Withdrawals

View withdrawals Withdraw funds

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4. Merchant Account

Change PasswordEdit ProfileUpload PhotoAdd UsersView Users List Send funds to an accountReceive Payments from CardholdersView Dispute MessagesView Payments ReceivedView Payments SentView Withdrawals View Pending Withdrawals View All TransactionsWithdraw amount Add CallBack URL (To process payments on your web site)List CallBack URL's

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SECTION 1

INTRODUCTION

What Is VTN?

VTN or Virtual Terminal Network is a revolutionary Virtual/Mobile payment network designed solely for the developing economies, keeping emerging markets in mind by not requiring expensive and impractical payment initiatives of the yester years. With initial deployment in Africa's most populous country, we use the most practical and latest in Mobile and Web technology to help make transactions and accessing your funds more convenient nationwide. Deposit funds at any participating financial institution, have your money follow you wherever you go nationwide.

VTN allows Merchants and Retailers to process transactions safely and securely from any computer connected to the internet and GSM Phone. With a secure login, you can complete transactions rapidly within the VTN network and receive instant authorization in real time. In addition, VTN can run in additional two languages French and Spanish for the eventual deployment in other countries. VTN allows you to go global while staying local.

Account Holders can fund their accounts via any participating financial institutions, agents and retailers in VTN’s extensive network. Withdraw your funds easily and securely over the internet or by using your GSM phone, then pick up your funds at any participating Bank or financial institution whenever you like. Absolutely no waiting in line!

Is there any need for VTN?

Yes. VTN is the only payment network destined to accelerate the unavoidable take off of ecommerce in many regions of the world. It is a much-needed service especially in underserved countries of Africa where ecommerce is yet to develop due to non-availability of a payment system of international standard. Now you don’t have to worry about how to receive payments on your web site or ordinarily pay for goods and services without having to go to the Bank.

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All you need to do now is to purchase VTN reload card from any reseller or go to any of the participating Bank to fund your VTN account. There is no limit to what you can do once your account is funded. On other hand, it’s an opportunity for businesses to acquire more their clientele with automated account and transaction management.

Who needs VTN?

In short everyone, from online shoppers to every business that value real time payment settlement that is fast and scalable. Before now, credit cards seem to be the only way to make real-time payment online, but that is not true. VTN is the practical option for those countries where credit card system does not exist. With VTN turnkey solution, you can now begin to buy or sell services online and pay in real time.

VTN is a breakthrough for utility companies that want their customers to pay their bills in real time. VTN provides excellent reporting tools so you can monitor transactions as they occur nationwide.

How does VTN works?

VTN’s primary function is Transaction Processing. In other words, VTN with its state of the art technology infrastructure lies between customer and the businesses. For example, Mr. A, a buyer and Mr. B, a seller can do business together without seeing each other. Seller of service or product can integrate our merchant solution to their web site. This helps buyers to pay seamlessly from any location worldwide; on completion of this transaction the seller receives payment minus the fees in his VTN account instantly. This fund is immediately available for withdraw.

VTN is perfect for person-to-person payments. VTN allows you to pay another person who’s thousands of miles away from you. The recipient can later withdraw the fund using his/her GSM phone or online or simply leave the money there for future purchases.

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VTN and User Safety

Your VTN account safety and security is of utmost importance, and you can be confident that our Fraud Department does its best to prevent surprises and online theft. VTN adheres to the most stringent security compliance practices you’re your peace of mind. All participating agents within the VTN network are required to install up-to-date Kaspersky antivirus and internet security software in their system before making their first transaction in the VTN network.

Internal Audits by licensed VTN auditors are regularly and randomly performed to check the systems and computers of all participating agents in the VTN network in order to prevent against internal fraud and assure Merchants and Account Holders alike that their VTN funds are safe and secure. Occasional PCI Audits also take place to ensure adherence to all security requirements.

In addition, here are the steps you should take to help safeguard your money and prevent unauthorized access to your account:

If you use a personal computer or laptop to access your account, we highly recommend that you purchase and install a copy of the Kaspersky (www.kaspersky.com) products. Use it to scan and protect your computer from any possible security breach such as key logger Trojans -- malicious software that surreptitiously monitors your keystrokes and logs them to a file in order to record your personal information including login information for account access.

Never respond to an unsolicited email to update your account. “Phishing” involves the use of fraudulent emails and copycat websites to trick you into giving online thieves your personal information, such as name, account number, social-security number, username and password to access your account. All genuine emails from VTN will address you directly by using your first and last name, as well as your phone number. If you receive an email without your name and phone number in it, do not click any links within the email. You should then delete it from your inbox.

Do not share your account information with anyone, irrespective of the relationship. If you do and your account is compromised, VTN is not liable for your loss. VTN support staff will never ask you for your password or PIN number when accessing your funds. Keep your information safe and private. If support staff personnel ask for your account or login information, be rest assured that this is not our practice and should be reported immediately to VTN’s Internal Fraud Department.

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Cash withdrawals made using your GSM phone must originate from the same number on your VTN file. No transactions can be made through any other phone number than the one listed in your VTN account.

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SECTION 2

ACCOUNT TYPES

VTN offers three types of accounts to general public. These are Personal Account, Merchant Account and Agent account. You need to sign up/register as a user of VTN in other to be able to pay or receive VTN payments. The type of account you should register for should be determined by your needs.

If you intend to sell online or process payments as a merchant online or in store then a Merchant account is what you need. The personal account is a regular account that allows you to perform all functions of a merchant account with the exception of Web Integration or Virtual Terminal functions

Personal Account

Registration

Anybody who wants to open a Personal Account will have to click ‘Register’ link given on the top right corner of the Home Page. By clicking on the link, you will be presented with a simple online form. All fields are mandatory on the form i.e. you have fill all the information requested. Maximum length of your password can be up to 10 characters while pin number should be of four digits.

You should keep your login detail safe at all times, and must be able to remember your login details.

Login

Login to VTN requires email address, password and the pin number. It’s important to note that Pin Number cannot be entered with keyboard. It’s one of the security features built into VTN. You will have to enter Pin number by using mouse and clicking the numbers below in blue color. Personal Account Login panel is shown below.

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Merchant Account

Registration

For Merchant Account’s registration, a simple form is provided. This form will be presented to you after clicking ‘Register’ link provided on the right top corner of the main page. All fields are mandatory and you can’t leave any field blank.

VTN’s uses email, pin and password to identify and administer your VTN account

Email Address Password PIN Number

These fields must be filled correctly and should be remembered as you will have to login by providing these information.

Login

Login to VTN requires email address, password and the pin number. It’s important to note that Pin Number cannot be entered with keyboard. It’s one of the security features built into VTN.

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Please remember that you will have to enter Pin number by using mouse and clicking the numbers below in blue color. Merchant’s Login panel is shown below.

Merchant Categories

The following business types are allowed to register for VTN merchant account

Computer services Government revenue collections Advertising Aircraft Services Airline Travels Architecture Attorneys Event Training Hotels General Consulting Book shops Building Supplies Business Machines Business Services Cleaning Services Hospitals

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Sales and Marketing Landscape Lighting / Outdoor Lights Legal Services Restaurants Hotels Mail Order Mailing list GSM Recharge E-books Web Design/Development Medical Services Mortgage Loans Novelty Items Misc. Products & Services

Agent Account

Agent Accounts are especially designed for VTN Agents. VTN’s agents are business affiliates and provide services on the behalf of VTN. If you are interested in becoming VTN’s agent or need information, please download VTN’s Agents User Guide.

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SECTION 3

PERSONAL ACCOUNT

User Navigation Panel

On Personal Account User’s Home Page, a Navigation Panel is provided to facilitate navigation in the best possible way. On this panel, all useful links are provided which will show different aspects of your account.

User Navigation / Account Holder’s Navigation Panel is shown here with all the useful links that can be used. Complete details of each link are provided below in separate categories.

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Change Password

VTN takes security very seriously, so we provide a way for you to change your account PIN, Password and security questions and answers from one location. The Change Security Options panel is shown below where you can change Password, Pin Number and your Security Questions.

Edit Profile

Edit Profile option gives you the flexibility to change your profile anytime. You can change your address, contacts and almost everything that you have filled in the registration form.

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Upload your Photo

Upload your Photo option helps you to load your recent colored passport size photograph in your profile. Loading photograph is important the cashier must be able to match the photo with your face during funds withdraw. Loading photo is useful and adds credibility to your profile.

SMS Notification Control Panel

VTN allows you to personalize your SMS notification options. You tuen on or switch off the functions at any time, however some options are mandatory when making transactions using your GSM Phone . To customize your SMS options click on the SMS Notification on the User Navigation Panel. SMS Notification control panel is shown below.

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All the options shown above are basic information to get you up and running in no time whether you are at your business desk or on the move. However, SMS notifications will cost you N15 per message delivered to your mobile phone which is charged to your VTN account. If your VTN account balance is not sufficient , the SMS message will not be sent Note: Your GSM carrier will charge you additional amount for sending sms.We do not have control over how much they will charge you

Mobile Balance Checking, Funds Transfer and Funds Withdrawal using GSM Phone

VTN’s ultimate commitment is to provide financial solutions on the move. By embedding GSM support in our system, you can check your balance anytime through your GSM phone. Not only you can check balance but can also transfer funds as well as can withdraw funds by using your GSM phone.

To start using your GSM phone on VTN, simply send SMS to this number:(sms number is online) (no spaces)

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Checking Balance using GSM Phone

Do you want to know how much money you have left on your account?

Just send an SMS to (sms number is online) (no spaces) by writing BAL, your VTN login and password as shown below.

BAL<space>youremail@domain.com<space>yourpassword

You will receive a confirmation back instantly on your GSM showing your Balance.

Transfer Funds using GSM Phone

Send an sms to (sms number is online) (excluding spaces in the number). Your sms will contain TRN, recipient VTN login, money to be transferred, your VTN login and your password as shown below:

TRN<space>recipient@domain.com<space>200<space>youremail@domain.com<space>yourpassword

You will receive a confirmation back showing whether or not the transaction was successful.

Funds Withdrawal using GSM Phone

Send an SMS to (sms number is online) as follows(excluding spaces in the number).

WDR<space>200<space>youremail@domain.com<space>yourpassword

You will receive a text sms showing whether or not the transaction was successful instantly.

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Remember:

The words BAL, TRN and WDR should be used as it is for checking balance, fund transfer and withdrawal respectively.

200 is an example of Naira amount. You should type the amount you wish to transfer.

Send Money Online

Whenever you want to send money to an existing user account, click on the send Money option on the user navigation panel. Send Money / Send Funds to an Account panel (as shown below) will ask you the Email of the recipient, the Amount you want to send and Remarks. Writing remarks always proved to be handy and avoid confusions. Remarks assist the recipient to quickly understand why you have sent money to him/her.

1. Add Funds using VTN’s Reload Card

VTN fully supports and encourage the use of VTN Reload card. You can use VTN Reload card to load money into your account. For this, ‘Add Funds using Scratch Card’ option is available on the user navigation panel. After clicking the option, Enter Scratch Card Number panel will appear as shown in the following figure. Now you just have to enter scratch card number and press the button ‘Submit Query’.

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2. Add Funds via an Agent Banks

This option allows you to add funds by visiting any of the participating Banks or any designated agent of VTN.

The above option will be available once we sign on Banks.

3. Add Funds by making payments into our Bank account

The following information can be useful when you use Banks or Agents.

Name on Account: LFR GraphCards Communications LtdAccount Type: NairaAccount Number: XXXXXXXBank Name: XXX (More Banks coming soon!)

The Bank cashier will collect the cash from you, logs on to VTN agent interface and load the exact amount onto your account. It is your responsibility to obtain a paper receipt as a proof that you have deposited fund using a particular agent. There is a fee for this service and agents are allowed to set their own fees although we have set the maximum amount they can set the fee at. Your account will be credited instantly with the amount minus the fee. You may want to ask the agent about their fee before transacting business with them if you are concerned about fees.

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NOTE: Tell us about the deposit you have made

It is in your utmost interest to inform us about the details of the deposit you have made. You can inform us by using a form (shown below) on this panel. You must fill all the fields with care as unmatched information can cause delays.

Form fields consist of your VTN Email, Name of Bank/Agent, Date Deposited and Amount Deposited.

View Account Loading History

View Account Loading History panel helps in keeping record of all the VTN scratch card loads and agent’s loads.

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Raise disputes

It is not uncommon for disputes to occur between buyer and a seller of goods and services. When things go wrong, VTN provides you a way to raise dispute through its Raise Dispute panel. All disputes are monitored and responded to by our competent customer support staff. They will liaise between you and the other party to resolve the issue amicably.

View Dispute Outcome

This section allows you to search and track previous disputes by Date, Transaction type, Transaction date, Reference Number, and Status of the dispute.

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View Payments Received

View Payments Received section is there to keep track of all payments received from other account holders. There are additional helpful options available to you on this panel such as:

You can limit received money transactions to a specific time period by mentioning dates. You can set dates easily by using the blue graphic calendar.

Your net balance is shown on the right hand side. Search facility is available to find previous transaction. You can change easily records per page criteria. Buttons are available to browse through different pages of record. Most importantly, you can import your record in form of spreadsheet by

clicking on the MS Excel icon.

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View Payments Sent

View Payments Sent section shows all the transactions in which you have sent money to other account holders. Standard multiple helpful options are again available on this panel such as:

You can limit the record displayed to a specific time period by specifying the dates range. You can set dates easily by using the blue graphic calendar.

Your net balance is shown on the right hand side. Search facility is available to find any related previous transaction. You can change the number of records displayed per page. Buttons are available to browse through different pages of record. Most importantly, you can import your record in form of spreadsheet by

clicking on the MS Excel icon.

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View All Transactions

View All Transactions panel shows a detailed picture of your account and all the transactions you have made including funds deposited, funds received, funds transferred, funds withdrawn and VTN service charges. Additional helpful options are available on this panel such as:

You can limit account summary to a specific time period by specifying dates. You can set dates easily by using the blue graphic calendar.

Your net balance is shown on the right hand side. Search facility is available to find any kind of transaction. If you wish, you may change the number of records per page displayed. Buttons are available to browse through different pages of record. Most importantly, you can import your record in form of spreadsheet by

clicking on the MS Excel icon.

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Withdraw Funds

Withdraw Funds panel allows you to withdraw funds from your VTN account. The panel shows the net amount in your account with required fields such as amount to be withdrawn, withdraw method and the remarks. VTN offers two methods for withdrawal i.e. Cash Withdrawal and Cheque Withdrawal. Withdrawal method is solely the choice of Account holder.

After filling the information in the above-mentioned form, another panel will appear showing the given information and requesting user confirmation. After confirmation, an acknowledgement message will be shown containing a Reference Number.

Important:

Please note down the VTCN reference number, as you have to provide it to the Agent / Bank on withdrawal. This is where having a passport photograph on your profile is important. Without it, the cashier will not be able to pay you.

View Pending Withdrawals

You are able to view pending withdraws from your account page. At this level, you may cancel any unwanted existing withdraw instruction. Once cancelled, your account will be credited back without losing fees.

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View Withdrawals

View Withdrawals option helps you to summarize all the previous withdraws you have made. This panel also allows the possibility to search by date.

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SECTION 4

MERCHANT ACCOUNT

Merchant Navigation Panel

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On Merchant Account User’s Home Page, a Navigation Panel is provided to facilitate navigation in the best possible way. On this panel, all useful links are provided which will show different aspects of this account.

User Navigation / Merchant’s Navigation Panel is shown here with all the useful links that can be used. Complete details of each link are provided below in separate categories.

Change Password

VTN allows merchants and other accounts alike to change their password, pin, and security questions

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Edit Profile

Edit Profile option gives you the flexibility to change your profile anytime. You can change your address, contacts and almost everything that you have filled in the registration form.

Upload Photo

Upload your Photo option helps you to load your photo in your profile. This is necessary to withdraw by cash; otherwise you will have to withdraw by check

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Add Users

Merchants are able to add additional account users or operators within the same organization. This new user can be assigned specific tasks on VTN The main purpose is to allow more than one person to operate the merchant account. The management of the company must decide whether this is a good option for their organization.

To add additional users/operators, you will have to fill a form, similar in nature to the registration form except one additional field i.e. ‘User Status’. Choices available for user status are ‘Account Admin’ or ‘Account User’. Specification of added user must be done with care.

View Users List

View Users List section is especially designed for managing merchant accountoperators that you have selected.

Send Funds to an Account

It is very easy to send funds to another VTN account. To do these simply click on Send Money option on the user navigation panel. Send Money / Send Funds to an Account panel (as shown below) will ask you the Email / Account ID of the

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second person, the Amount you want to send and notes/Remarks. Writing remarks always prove to be a practical way for the recipient to know the purpose of the transaction in order to avoid confusions at a later stage

Receive Payments from VTN Account Holders: VIRTUAL TERMINAL

This feature is useful when an in store merchant is accepting VTN payment options. At the check out, customer is presented with the keyboard to enter his pin and email and amount to pay the store. To use this feature merchant is expected to have a computer with internet connection in the store.

View Dispute Messages

Disputes are natural to occur. In cases like this, all dispute messages will be displayed here. All disputes are monitored and responded to by our competent

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customer support staff. They will liaise between you and the other party to resolve the issue amicably.

View Payments Received

View Payments Received panel helps you show a detailed picture of the funds that you have received. As you can see multiple helpful options are available on this panel such as:

You can limit account summary to a specific time period by specifying dates. You can set dates easily by using the blue graphic calendar.

Your net balance is shown on the right hand side. Search facility is available to find any received transaction. You can change easily records per page criteria. Buttons are available to browse through different pages of the record. You can import your record in form of spreadsheet by clicking on the MS

Excel icon.

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View Payments Sent

View Payments Sent panel allows you to view all the payments that you have sent to others. There are additional helpful links here to further assist in personalizing your account:

You can limit account summary to a specific time period by mentioning dates. You can set dates easily by using the blue graphic easy to use calendar.

Your net balance is shown on the right hand side. Search facility is available to find any sent payment. You can easily increase the number of records per page to be displayed. Buttons are available to browse through different pages of record. You can import your record in form of spreadsheet by clicking on the MS

Excel icon.

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View Withdrawals

View Withdrawals panel helps you to view and keep track of all the payments that you have withdrawn from VTN. Withdrawal Panel is similar in functionality to View Payments Received and View Payments Sent panels as shown below.

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View Pending Withdrawals

You are able to view pending withdrawal from your account page. At this level, you may cancel any unwanted existing withdraw instruction. Once cancelled, your account will be credited back without losing fees.

View All Transactions

View All Transactions panel displayed all transactions processed on this account. You also have the option to expand the number of record displayed per page. There are other additional account options here to explore as well.

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Add CallBack URL

Merchants that need to integrate VTN payments into their back end database must supply a CallBackURL. VTN will call and pass transaction results to Call Back URL’s. The results are passed in XML format. We have sample code to assist all merchants in getting started. VTN also provide integration service to merchants

Example: http://www.domaincom/some-url.asp

However, once VTN process a transaction, it is posted into the VTN account of the merchant and results are sent to its CallBack URL. Adding a CallBack URL is not difficult with the help of a programmer or webmaster. To add this CallBack URL, simply click on ‘Add CallBack URL’ option in the navigation panel, and then a simple panel named CallBackURL will appear where you will type in your website CallBackURL. You can see the CallBackURL panel below.

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List CallBack URLs

List CallBackURLs panel helps you to manage your CallBackURLs. All the CallBacks can be managed easily with the help of our standard transaction functions, which you can see in the figure below.

We are hopeful that this panel has helped you in detail to understand the service as well as the way to use it. We have made our best efforts to make this guide descriptive and helpful. But it is still possible that it

we may have unknowingly missed some important information. Please feel free to contact us if you need additional assistance:

info@virtualterminalnetwork.com

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