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$ONCI ~NetCents the next Payal??? $$$$$$

HOW NETCENTS WORKS

Using a NetCents Account to make online payments is fast, easy and secure. To get started, all you do is open a NetCents Account, activate it (one-time only), then transfer money into to it from your existing bank or credit union and go shopping.

Now you can make online payments in complete privacy, and with total security. It's just that easy!

Opening a new NetCents Account is done through our home page. All you need is a valid email address.

Within moments a verification email will be sent to you for you to verify your email address.

(Note: If your favorite merchant does not accept online payments from NetCents Accounts, consider sending them and us an email requesting that they do.)

Transfer money into a NetCents Account

Transferring money to your NetCents Account is as easy as paying your phone or utility bill, because NetCents is registered as a "payee" at all major banks and most credit unions in Canada.

First, and one time only, you must establish NetCents Systems as a payee at the bill payment section of your online banking at your financial instituion. Procedures may vary from one financial institution to another, so if you're unsure, please contact your own financial institution. Usually, establishing NetCents as a personal payee through telephone or online banking will also automatically set it up for ABM (automated banking machine) use.

Once you've established NetCents as a personal payee, you can use any of four methods to transfer money to your NetCents Account:

• » In person at a teller


• » At any or your bank's ABMs


• » Via telephone banking, or


• » Online banking


• » Online Banking Telephone Banking


• » RBC Royal Bank 1-800-769-2511


• » TD Canada Trust 1-866-222-3456


• » ScotiaBank 1-800-267-1234


• » Bank of Montreal 1-800-363-9992


• » Vancity Credit Union 604-877-7000


• » North Shore Credit Union 604-982-8000

(Note: Your financial institution governs when money transferred to your NetCents Account will be available; however, in general, money transferred into your NetCents Account before midnight on one day, will be available to you after 3:00 PM the next business day.)

(Note: If your financial institution does not list NetCents as a payee, please email us at info@net-cents.com with the name of your financial institution and a request to have it added.)

Make online payments with a NetCents Account

Using your NetCents Account to make online payments is fast and easy, completely private, and totally secure.

At the merchant's website, select the items you wish to purchase, and choose NetCents as your preferred method of payment. At a SECURE section of this website, you enter your email and password to authorize payment. Finally, you're transferred back to the merchant's website where the transaction is completed.

That's it! No risk of using a credit card online or disclosing any banking or personal information; completely private; totally secure.

Note: If you're favorite merchant does not accept online payments from NetCents Accounts, consider sending us and them an email asking them to do so.)

View NetCents Account transactions

At any time, and from any Internet connection, you can view and/or print a list of transactions to/from your NetCents Account.

After signing in by entering your email address and password, simply click the "Transactions History" and view your transactions.

Manage your NetCents Account

At any time, and from any Internet connection, you can manage your NetCents Account. This allows you to change your password and other profile information.