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Important Information Regarding VISA IPSP Registration for
EU Based Sponsored Merchants

October 29, 2002

Dear Webmaster-

As the processor for your website?s online transactions, and in a continued effort
to offer you support and assistance during this volatile time, we are extremely
pleased to announce CCBillEU, CCBill's IPSP for VISA Sponsored Merchants with
businesses based in countries located within the VISA designated European
Union Region* VISA EU Region Country List. CCBillEU can offer you the option to
process VISA transactions for your e-business after November 15, 2002, with a
simple registration and without initial set up fees.

Because, the acquiring institution for CCBillEU is not located in the United
States, processing fees will be slightly higher. If you elect to use CCBillEU for
your processing, you must agree to a blanket 1.5% increase in your current
CCBill processing rate for all processing after November 15, 2002.

If you are an EU (European Union) Based Client, you can now complete the
VISA IPSP Sponsored Merchant Registration process with a quick review of
your account information on the Webmaster Admin at
https://reports.ccbill.com/altindex.cgi. You will be required to review your
current account information, and add any additional business license and or
country identification number information you may have, and then agree to the
terms of the 1.5% increase in your processing rate. By early this afternoon,
simply log into your account and look for the pop up message to begin the
process.

At this time, this is the only information that we require from EU based clients
for registering their business as a VISA Sponsored Merchant with CCBillEU.
However, over the course of the next three to four weeks, European Based
Sponsored Merchants may be required to provide additional data, and finalize the
terms of this agreement.

We continue to work diligently on a solution for our Canadian Based CCBill
clients. However, at this time, there still remains no viable VISA processing
solution for this select group of Webmasters. We would like to thank our
Canadian Based clients for their patience, and following a final round of
discussions with influential sources, we will provide a direct and definitive
response to these clients on Friday, November 1, 2002.

We have less positive news for our clients based in the VISA processing regions
outside of the US and EU regions, including the Asia Pacific region (click here to
view a list of countries in these regions). At this time, because of a lack of
practical options, we have decided to conclude our exploration for VISA
processing in these regions.

We know that this is a small attempt to assist a portion of our clients with their
efforts to maintain the health and prosperity of their businesses, and that there
still remains many issues and concerns to be addressed and resolved. As we
continue to search and secure options, we urge you to check ipsp-faq , the
CCBill.com FAQ resource for VISA IPSP information on a regular basis for current
information on this important topic. Please know that our plan is to contact you
immediately when we have the answers you and we need to comply with Visa?s
requirements.

Everyone at CCBill.com would like to thank you for your continued patience with
both us and the current VISA situation. Please know that your account
representative is available to discuss your plans for your account and address
your questions at any time, and can be reached at 800.510.2859, or at
[email protected].

Best regards,

Ron Cadwell
CEO
CCBill.com

*Because CCBillEU?s VISA acquiring bank is located in Malta, we will not be able
to provide Sponsored Merchant services for any website business physically
based and located within the boundaries of that country.