DEPOSIT

If you do not yet have a NETeller account:

1. Visit www.neteller.com
2. Click "Sign up now for your FREE NETeller Account!"
3. Follow the on-screen instructions.
4. Once you have created your account, log into NETeller and choose one of the following options to deposit funds to your NETeller account:
   instaCASH, Electronic Funds Transfer, or Credit Card.

Once you have a NETeller account containing funds:

1. Visit the ECash Direct screen in your online merchant and click "Deposit".
2. Choose the NETeller.
3. Select NETeller regular deposit or NETeller instaCASH.
4. Enter the amount you would like to transfer from your NETeller account to your ECash Direct account.
5. Enter your NETeller Account and Secure ID (and Bank Account # if you have selected instaCASH).
6. Click "Proceed".
7. Review your transaction and click "Confirm".

Approved funds will immediately be credited to your ECash Direct account for use at your selected merchant.

WITHDRAWAL

1. Access your ECash Direct software.
2. Choose the NETeller Withdrawal function from the main menu.
3. Click the "Withdrawal" button.
4. Follow the on-screen instructions.

You must have successfully made a deposit to your ECash Direct account using NETeller before you can withdraw using NETeller. The NETeller account used to make the deposit will be used in processing withdrawals. If you've previously deposited funds to your ECash Direct account by credit card and/or NETeller, your withdrawal will be applied to your credit card first - up to your original credit card purchase amounts, and then to your NETeller account. Withdrawals via NETeller are permitted beyond original NETeller deposit amounts. Your NETeller Secure ID is required in order to authenticate the transaction from ECash Direct to NETeller. Certain information may be required in order to secure the transaction.

*Note: Only one NETeller account is available per ECash Direct account.