SHOW ME An Introduction to Revolution Money Presented by: Ted Leonsis Chairman, Revolution Money, Inc. Jason Hogg Founder, President and CEO, Revolution Money, Inc.

Presented by:

Ted Leonsis

Chairman, Revolution Money, Inc.

Jason Hogg

Founder, President and CEO, Revolution Money, Inc.

Agenda The Opportunities Industry Background and Concept Genesis An Integrated Approach Company Snapshot Interacting with Revolution Money Redefining the Industry Model Revolution Money’s Next Generation Payment Platform A Comprehensive Solution Product Demo Question and Answers

The Opportunities

Industry Background and Concept Genesis

An Integrated Approach

Company Snapshot

Interacting with Revolution Money

Redefining the Industry Model

Revolution Money’s Next Generation Payment Platform

A Comprehensive Solution

Product Demo

Question and Answers

The Opportunities Why in a world of ever decreasing telecom, network and computing costs, do interchange and online processing fees and rates increase? These charges add up to a $60 billion marketplace Can these fees be redirected to benefit consumers and merchants, instead of benefiting big monopolists and online incumbents?

Why in a world of ever decreasing telecom, network and computing costs, do interchange and online processing fees and rates increase?

These charges add up to a $60 billion marketplace

Can these fees be redirected to benefit consumers and merchants, instead of benefiting big monopolists and online incumbents?

Industry Background & Concept Genesis 0.0% 0.5% 1.0% 1.5% 2.0% 1994 1996 1998 2000 2002 2004 $0.00 $1.00 $2.00 $3.00 1995 1997 1999 2001 2003 2005 Visa Consumer Credit Interchange Fee Rate US interchange fees have increased by 29% since 1995 Interchange Fees Per $100 of Consumer Spending Interchange cost to US merchant increased by 300% in the last 10 yrs The Driver? The intensified competition between Visa, MasterCard and American Express for bank loyalty. The Driver? More card use and higher fees equals more interchange. Opportunity to Better Align Interests of Credit Cards and Merchants Redistribute Savings Back to the Customer Source: Visa USA Source: Nilson Reports, Bureau of Economic Analysis, National Economics Accounts

The Driver? The intensified competition between Visa, MasterCard and American Express for bank loyalty.

The Driver? More card use and higher fees equals more interchange.

PayPal meets MasterCard without the high fees.

PayPal meets MasterCard

without the high fees.

An Integrated Approach www.RevolutionMoney.com www.RevolutionCard.com www.RevolutionMoneyExchange.com

Company Snapshot CFO of Revolution LLC and former Vice Chairman of JPMorgan David Golden Board of Directors Co-Founder and CTO of Revolution Money Founder and CEO of Revolution Money Former CEO of Charles Schwab Former Chairman & CEO, Fannie Mae; Previously head of OMB Former President & CEO, MasterCard International, Inc. Former Secretary of Treasury; Former President, Harvard University Chairman, Revolution LLC; Co-Founder, AOL; Former Chairman, AOL Time Warner Jason J. Hogg Steve Case Patrick Graf David Pottruck Frank Raines Russell E. Hogg Larry Summers Ted Leonsis, Chairman Additional $50 million in September ’07 Series B venture capital funding led by Citi, Morgan Stanley, Deutsche Bank, Ted Leonsis, and controlling investor, Revolution LLC Ted Leonsis, Chairman Vice Chairman Emeritus AOL: Owner, Washington Capitals

Opportunities with Revolution Money Integrating with MoneyExchange Widget Developers Fantasy Sports and Gaming Charities and Fundraising Social Networking, Communicating, and Tagging Digital Media, Classifieds, and Commerce Financial Planning eCommerce Sites accepting credit cards PayPal Power Users RevolutionCard and Online Retailers Communications (Wireless, Cable, and Satellite) Multimedia Card Replacement Clicks and Bricks Retailers Consumer Services Card on File Services Large Installed Subscriber Base Gift Cards & Loyalty Programs

Integrating with MoneyExchange

Widget Developers

Fantasy Sports and Gaming

Charities and Fundraising

Social Networking, Communicating, and Tagging

Digital Media, Classifieds, and Commerce

Financial Planning

eCommerce Sites accepting credit cards

PayPal Power Users

RevolutionCard and Online Retailers

Communications (Wireless, Cable, and Satellite)

Multimedia

Card Replacement

Clicks and Bricks Retailers

Consumer Services

Card on File Services

Large Installed Subscriber Base

Gift Cards & Loyalty Programs

Redefining the Industry Model Association Processor Issuer Securitizer Revolution Money Model Web 2.0 platform integrates the value chain No new hardware or infrastructure required Next generation operating system reduces payment product fragmentation Own backend operating system with financial institutions Web 2.0 platform is the operating system for First Bank and Trust, Citi, and CompuCredit’s credit activities “ Pay as you play” revenue sharing model for the issuing bank Issuer $$$ $$$ $$$ Cardholder Merchant Cardholder Merchant Acquirer

Revolution Money Model

Web 2.0 platform integrates the value chain

No new hardware or infrastructure required

Next generation operating system reduces payment product fragmentation

Own backend operating system with financial institutions

Web 2.0 platform is the operating system for First Bank and Trust, Citi, and CompuCredit’s credit activities

“ Pay as you play” revenue sharing model for the issuing bank

Revolution Money’s Next Generation Payment Platform Revolution Money’s payment platform combines free online money transfer with credit, and pre-paid solutions all wrapped in one sophisticated offering… Breakout payment platform with viral online scaling and unique offline capability Banks are joining the Revolution: Citi, Morgan Stanley, Deutsche Bank, CompuCredit, First Bank and Trust, Union State Bank Interchange-free credit card Anonymous PIN-based credit card Instant decisioning; card issuance and immediate rewards at POS Free p2p money transfer Ability to attach a plastic to your MoneyExchange account Unprecedented consumer control (i.e. One-time use PIN’s, bill pay, wire money) Gift card capabilities Web 2.0 payment platform

Revolution Money’s payment platform combines free online money transfer with credit, and pre-paid solutions all wrapped in one sophisticated offering…

Breakout payment platform with viral online scaling and unique offline capability

Banks are joining the Revolution: Citi, Morgan Stanley, Deutsche Bank, CompuCredit, First Bank and Trust, Union State Bank

Interchange-free credit card

Anonymous PIN-based credit card

Instant decisioning; card issuance and immediate rewards at POS

Free p2p money transfer

Ability to attach a plastic to your MoneyExchange account

Unprecedented consumer control (i.e. One-time use PIN’s, bill pay, wire money)

Gift card capabilities

A Comprehensive Solution Online Offline The Freedom to Transact One Solution Give interchange to merchants and consumers Enables social networks to add financial transacting to their product offerings Enables consumers to make all their transactions from an integrated network Consumers are already using instant message services, social networks, fantasy sports, digital content, communication or information exchanges Provides consumers security, convenience, risk avoidance, reliability, and a free method of payment transfer with built in viral distribution Works with merchants to redeploy interchange savings Funds loyalty programs for consumer value Provides a network effect for immediate gratification Enables targeted membership base marketing programs

Enables social networks to add financial transacting to their product offerings

Enables consumers to make all their transactions from an integrated network

Consumers are already using instant message services, social networks, fantasy sports, digital content, communication or information exchanges

Provides consumers security, convenience, risk avoidance, reliability, and a free method of payment transfer with built in viral distribution

Works with merchants to redeploy interchange savings

Funds loyalty programs for consumer value

Provides a network effect for immediate gratification

Enables targeted membership base marketing programs

Revolution Money’s Web 2.0 Payment Platform