myCitadel Wallet Overview Presented by Nick Dunlop, Managing Director January 2007

1. myCitadel Wallet Overview Presented byNick Dunlop, Managing DirectorJanuary 2007

2. Competitors in our field:

3. Company Overview Our Business: ESI Entertainment Systems Inc. provides real time payment processing and risk optimization services to the global gambling industry. Our Objective: To be a focused and streamlined organization dedicated and committed to providing cost effective and well supported local payment services, while maintaining a leadership position by continually introducing and evolving payment options.

4. Our History and Background • ESI was formed in 2000 initially as a credit card risk management company. • ESI identified the need for an alternative to credit card payments due to 7995 rejections by the US issuing and acquiring banks. • Coupled Citadel risk management engine with ACH electronic checks processing for USA and Canadian consumers. • Citadel Checks was initially developed as a payment gateway solution. • ACH volumes have increased exponentially. Now process for approximately 85% of the top 100 sites. • Upon successful validation of the business models, ESI formed three subsidiaries: Citadel Commerce Corp, ESI Integrity, PlayLine. • myCitadel Wallet was launched as a stored value solution in 2005 to pursue “churn” model, and to position for geographic expansion. • Geographic expansion into Europe and Asia commenced in 2005. • Admission to trading on TSX March 2006.

5. e-money Auctions & Gaming Promotions Risk Mitigation Payment Processing

6. Online Gaming Merchants End User Register with Citadel and deposit funds Select Citadel payment option from online gaming website How Payment Processing Works

7. Why Consumers Use Citadel Why Merchants Use Citadel • Can’t use their credit cards; • Endorsement of the merchant; • Known Brand Name; • Cash-in/cash-out of winnings; • To take advantage of merchant promotions; • Portability – use at many sites; • Ease-of-use – fast and easy; • Convenience; • Cost; • Flexibility – multiple ways to get money in or out; • Prizes / Promotions. • Electronic Checks are an alternative payment option to credit card 7995 rejections; • Unable to obtain direct banking relationships; • Consumer demand and brand awareness; • Large base of established gaming consumers; • Cost Effective; • Convenience (no return handling issues); • Diversified Payment Risk; • Multi-jurisdictional payment options.

8. USA and Canadian payment Gateway solution. • No consumer fees. • Branded and white labeled solutions. • Non guaranteed payment, with instant credit. Payment Alternative to Credit Cards • Consumer electronically provides personal ID details that are authenticated in real time. • Consumer enters check details that are verified in real time via banking networks. • Extensive velocity and fraud controls, and large +/- database of transactions. • If Citadel accepts the e-check, it is submitted into the ACH network for processing. • Consumer is granted immediate credit at the merchant site.

9. Multi-currency, multi-lingual Stored Value payment solution • Multiple deposit and withdraw methods (ACH + credit card) • Platform for geographic expansion • Guaranteed instant funds to consumers Instant cleared funds, wallet churn, higher margins! • Swiped PIN debit + swiped credit card • Properly coded, card present transactions that are accepted. • “First mover” status with at least one year lead. • Cost effective – consumer promotion and acquisition • Provides near real time, non-refutable online banking funds transfer. • Directly from the consumer’s online Internet bank account to a consumer’s myCitadel account. • Facilitates rapid geographic expansion with minimal risk.

10. What is myCitadel Wallet? • Multiple deposit methods such as ACH, EFT, bank transfers, credit card, and PIN debit card, Rapid Transfer • Multi-lingual such as English, Spanish, French, German, Turkish, Simplified and Traditional Chinese • Compatible with multiple currencies such as USD, CAD, EUR, or GBP • Easy Sign up for a free account • Have guaranteed funds for your customers so they can have instant access to your service • A robust API that seamlessly integrates with your web site and back office system • Fast and free payouts to save time and costs and virtually no charge backs* • Get access to a growing user base with thousands of active online users

11. myCitadel Wallet offers the consumer: • It’s Fast • Funds are transferred immediately • It’s Private • myCitadel Wallet does not reveal any information about their users • It’s Global • myCitadel Wallet is accepted worldwide and can be used to make transfers locally or internationally • It’s Easy • Transfer money to merchants in just a few clicks • It’s Trusted • Industry-leading fraud prevention keeps our users and you safe and secure • It’s Cost-Effective • It’s free to transfer money and affordable for merchants of all sizes

12. Multiple Deposit Options • ACH • EFT, Bank Transfer • SecureSwipe card present deposits • SecureSwipe PIN Debit deposits • Card not present deposits • Money Transfer • Multicurrency and Multilingual • USD, CAD, EUR or GBP • English, French, Spanish, Simplified and Traditional Chinese, German, Turkish myCitadel Breadth of Service

13. myCitadel Wallet Consumer Fees • UnCleared Deposits – FREE • Cleared Deposits via SecureSwipeTM – FREE • Cost of SecureSwipeTM device – FREE • UnCleared deposits to Cleared by waiting – FREE • Cleared Deposits via RapidTransferTM or EFT - FREE • UnCleared to Cleared Deposit – 6.9% • Withdrawal of Cleared Funds via ACH - FREE • Withdrawal of Cleared Funds via paper cheque – 1.9% • Withdrawal of Cleared Funds via FedEx cheque - $20.00 • Person-to-person transfer – 1.9% paid by recipient

14. What is myCitadel Rapid Transfer? • Real-time bank transfer (5 min) option for myCitadel Wallet customers located in Europe • Designed specifically for our European customers • Uses intra-bank transfer technology

15. UK • Barclays • NatWest RBS • HSBC • Lloyds • Halifax Bank of Scotland • Turkey • Garanti • Finans Bank • AK Bank • Is Bank • Spain • La Caixa • BBVA • Santandar • BankInter • Bank Caja • Caja Madrid • Germany • Deutsche Bank • Commerzbank • Hypovereinsbank • Dresdner • Poland • PKO • Banka Pekao • Bank BPH • ING Bank Slaski • Sweden • SEB • Nordea Which Countries & Banks is Rapid Transfer Available?

16. Which Countries & Banks is Rapid Transfer Available? (continued) • Italy • Banca Intessa • Uni Credito Italiano • San Paolo IMI • MPS • Banco Di Roma • France • Paribas • Credit Agricole • Credit Lyonaise

17. Other Countries In The Queue • Western and Central Europe • Ireland • Austria • Switzerland • Netherlands • Belgium • Northern Europe • Denmark • Norway • Finland • Eastern Europe • Hungary • Czech Republic • Romania • Bulgaria • Ukraine • Southern Europe • Italy • Portugal

18. How Rapid Transfer Works - Example from Spain

19. Click on La Caixa

20. Transaction reference – you will need information on this page later Click this to go to the bank’s homepage La Caixa’s hours of operation

21. Login

22. La Caixa account home – click transfers

23. Select myCitadel Bank account Deposit Amount (comma 1,49) Your Wallet number La Caixa consumer transaction detail page

24. Rapid Transfer information needed to make the bank transfer La Caixa’s hours of operation

25. Security Check Process Bank Transaction Summary Page

26. Input Transaction Security Code

27. Update Your Wallet Page Go Back To Your Wallet Page and Click “Account Summary” to Update

28. Thank-you! myCitadel Wallet OverviewmyCitadel.comNick Dunlop, Managing DirectorCitadel CommerceQuestions?