[Chop Smith]

Well at least it did not cost me money this time. But what a set back, I had pay sites ready to go open on Monday. Sucks!! Sucks!! Sucks.........

Friday, January 16, 2004 6:35 PM



Dear Probilling Merchant,

As you well know, these have been challenging times for all online credit card processing companies. We have decided to concentrate on our rapidly growing market of alternative payment processing solutions. ACH processing is the future of online commerce and is the most viable solution for eBusiness transactions. As part of our new focus, we are offering our existing account holders a preferred rate on our ACH processing.

Effective Midnight EST Tuesday Jan 20, 2004:

SmartCheck at 7%

DirectCheck at 10.5%, with No NSF's, No reserves, No chargebacks and instant proBilling account funding

Due to the increased scrutiny by the credit card associations we feel that we can no longer offer reliable credit card processing as part of our portfolio of services. We have decided to withdraw from Visa and MasterCard high risk processing according to the following schedule:

MasterCard: Immediately

Visa: Midnight EST Tuesday Jan 20, 2004

All accounts at our acquiring banks remain open and in good standing. All proBilling account holder's FUNDS ARE COMPLETELY SECURE; weekly holdbacks and regular payouts will be dispersed as usual. Your account will remain open and accessible at www.proBilling.com. All password management functions, consumer and merchant services will be operating as normal.

This is NOT the closure of another online processor. This is a business decision made to focus on the future of online processing and we look forward to a long and prosperous business partnership with our valued merchants.


For additional information please check our proBilling Community Forum, or contact merchantsupport@probilling.com

Regards,
proBilling Merchant Services
www.proBilling.com