New Customer Acquisition Strategy... The pre-eminent ERT solution for financial institutions. Exceptional Customer Service. Easy. Effective. Efficient. Your Bridge to … not your granddaddy’s sticker sales program. The Electronic Registration & Titling software by ERT America, Inc.* * ERT America, Inc. is an authorized ERT Service Provider. Its ERT software is named TagsOnSite. ^ Electronic 21 st Century ^ Click to Continue

4 questions about Tags… 2. How is our solution different? 1. What’s in it for you? 3. How does it work? 4. Is our solution credible? Click to Continue

Renewal Channels Vehicle tags NEED annual renewals. How? Where? Customer preference & renew with you! * Solutions designed by an affiliate, Y2Payment Systems, Inc. Channel Payment Options Extra Fees? Delivery Time? Mail Delivery options Mail Check n. a. Up to 30 days Internet* Check or Credit Card Convenience Fee Up to 30 days Telephony* Check or Credit Card Convenience Fee Up to 30 days Real-time, On demand options Driver’s Service Facilities (DSF) Cash, Check or Credit Card n. a. (Long waits are typical) Immediate Bank / Currency Exchange Cash or Check Convenience Fee Immediate Click to Continue

Vehicle tags NEED annual renewals. How? Where?

Customer preference

1. What’s in it for you? How big is the Chicago-area market? How do your customers renew? New customers Do they become a prospect for your competitor? $0 Acquisition cost Fee income How about… County DSF Mkt% Banks Mkt% CXs Mkt% Cook 2,302,326 75.3% 35,828 1.2% 719,666 23.5% Du Page 432,135 76.0% 6,349 1.1% 130,268 22.9% Kane 155,845 66.9% 14,262 6.1% 62,909 27.0% Lake 205,733 66.5% 16,084 5.2% 87,427 28.3% McHenry 93,755 60.5% 18,945 12.2% 42,287 27.3% Will 125,105 50.5% 25,283 10.2% 97,283 39.3% Statewide 7,265,200 80.2% 597,394 6.6% 1,199,348 13.2% Click to Continue

How big is the Chicago-area market?

How do your customers renew?

New customers

Do they become a prospect for your competitor?

$0 Acquisition cost

Fee income

2. How is our solution different? It’s a Customer Acquisition Model not a sticker sales program. System reminds tellers to up-sell your products and services. Year-round loyalty marketing system brands your facility, invites new customer referrals, and brings repeat business. Digital data entry equipment to eliminate human error. Web 2.0 solution is browser based and runs completely outside your legacy system – IT installation not required – just plug ‘n play. Payments are processed through our merchant account eliminating your NSF risk. For customer convenience, we accept cash, checks, and credit cards. www.TagsOnSite.com helps vehicle owners find your location(s). Social media marketing sends visitors to our Website & your lobby. Click to Continue

It’s a Customer Acquisition Model not a sticker sales program.

System reminds tellers to up-sell your products and services.

Year-round loyalty marketing system brands your facility, invites new customer referrals, and brings repeat business.

Digital data entry equipment to eliminate human error.

Web 2.0 solution is browser based and runs completely outside your legacy system – IT installation not required – just plug ‘n play.

Payments are processed through our merchant account eliminating your NSF risk. For customer convenience, we accept cash, checks, and credit cards.

www.TagsOnSite.com helps vehicle owners find your location(s).

Social media marketing sends visitors to our Website & your lobby.

3. How does it work? Teller scans renewal notice – no data errors. Step 1. The sales process. SOS mainframe returns authorization/denial. Teller swipes check/credit card or accepts cash – no data errors. Scans barcode on next available blank sticker; feeds through printer. Teller asks Vehicle Owner if currently a customer?  Yes  No Presents customer her printed sticker. Actual processing time: Sub-30 seconds. Opportunity selling time: Teller discretion . Captures email address for renewal confirmation. Click to Continue

Teller scans renewal notice – no data errors.

SOS mainframe returns authorization/denial.

Teller swipes check/credit card or accepts cash – no data errors.

Scans barcode on next available blank sticker; feeds through printer.

Teller asks Vehicle Owner if currently a customer?  Yes  No

Presents customer her printed sticker.

Captures email address for renewal confirmation.

3. How does it work? Step 2. Drip marketing brands your branches and our technology. Sample of FREE customized content and graphic… Your website header Your Footer Personalized, mail merged message goes here. Different Emails go to Customer & Non-customer databases. Renew in your lobby year over year. Day 3 Day 7 Day 30 Day 90 Day 180 Day 270 Day 300 Did you know that Heritage Bank was organized as a State Chartered Bank in 1920? We have weathered the Great Depression, World War II, the crash of 1987, the .com bubble and are well positioned to survive the current credit crisis. Conservative values, friendly service and a commitment to Central Illinois. Dear Karin Viemont: Thank you for renewing your vehicle tags at our bank recently. We were very pleased to see you in our branch office and hope that you will return in the near future. Our bank has been established in the community since [1936] and have helped many friends and families weather finacial storms and create a well planned for future. As you look at your own financial needs we hope you will consider establishing a banking relationship with Central Illinois Bank. We are here for the long-haul... Kind regards, Scott Hedden Chief Executive Officer Click to Continue

3. How does it work? Step 3. Privacy & Security – two secure data silos. ERT Service Providers execute an Online Access Agreement to enable communication with ISOS Enterprise Server. Approved ERT Service Providers are subject to the provisions of the Federal Driver’s Privacy Protection Act (“FDPPA”) and its civil and criminal penalties. ERT America TagsOnSite system connects teller workstation to ISOS server via browser. NO vehicle data stored to your legacy systems. NO ACCESS to vehicle owner information post-renewal. Silo #2 cannot access vehicle owner data. Payments data are handled in a certified fully compliant manner under the PCI Data Security Standard. Compliance meets and exceeds industry standards integral to end-to-end security. Merchant communications use high-grade 128-bit SSL to protect information as it passes through the Internet. Sensitive information is encrypted before being placed onto any storage device using RSA public/private 1024-bit key technology with a proprietary cryptographic server infrastructure. NO vehicle data stored on payments engine; Cardholder/check writer data captured at point-of-sale becomes source of drip marketing program (not vehicle ownership data). Fully FDPPA and CAN-SPAM Act compliant. Silo #1 cannot access payment data. Silo #1: ISOS Enterprise Server Silo #2: Payments Engine Server Click to Continue

ERT Service Providers execute an Online Access Agreement to enable communication with ISOS Enterprise Server.

Approved ERT Service Providers are subject to the provisions of the Federal Driver’s Privacy Protection Act (“FDPPA”) and its civil and criminal penalties.

ERT America TagsOnSite system connects teller workstation to ISOS server via browser.

NO vehicle data stored to your legacy systems.

NO ACCESS to vehicle owner information post-renewal.

Silo #2 cannot access vehicle owner data.

Payments data are handled in a certified fully compliant manner under the PCI Data Security Standard. Compliance meets and exceeds industry standards integral to end-to-end security.

Merchant communications use high-grade 128-bit SSL to protect information as it passes through the Internet.

Sensitive information is encrypted before being placed onto any storage device using RSA public/private 1024-bit key technology with a proprietary cryptographic server infrastructure.

NO vehicle data stored on payments engine;

Cardholder/check writer data captured at point-of-sale becomes source of drip marketing program (not vehicle ownership data). Fully FDPPA and CAN-SPAM Act compliant.

Silo #1 cannot access payment data.

Step 4. Revenue and accounting. 3. How does it work? Revenue to Vendor(s). $2.00 per transaction remitted via EFT to Vendor by 10 th day of following month. Cumulative daily fees carried by Vendor in appropriate “Fees Receivable” account. End of Month (EOM) Reporting Branch level transaction report details transactions sorted by User ID; Corporate level report consolidates branch reports; Electronic export of marketing data available monthly (.csv format) for import to legacy system. Renewal & Convenience Fee(s) settle to TagsOnSite account daily. Vehicle tag renewal fee(s) sent to ISOS via EFT on approved schedule. Credit card and eCheck processing costs paid from Convenience Fees at EOM. TagsOnSite Overhead items include, but are not limited to, Sales expenses & commissions; Performance bond requirements; NSF and chargeback risk, i.e., no risk to bank; Application hosting and documentation fees; Per item IT transaction costs, reports & mailings, miscellaneous costs. Click to Continue

Revenue to Vendor(s).

$2.00 per transaction remitted via EFT to Vendor by 10 th day of following month.

Cumulative daily fees carried by Vendor in appropriate “Fees Receivable” account.

End of Month (EOM) Reporting

Branch level transaction report details transactions sorted by User ID;

Corporate level report consolidates branch reports;

Electronic export of marketing data available monthly (.csv format) for import to legacy system.

Renewal & Convenience Fee(s) settle to TagsOnSite account daily.

Vehicle tag renewal fee(s) sent to ISOS via EFT on approved schedule.

Credit card and eCheck processing costs paid from Convenience Fees at EOM.

TagsOnSite Overhead items include, but are not limited to,

Sales expenses & commissions;

Performance bond requirements;

NSF and chargeback risk, i.e., no risk to bank;

Application hosting and documentation fees;

Per item IT transaction costs, reports & mailings, miscellaneous costs.

4. Is our solution credible? Look at the past 12 months* performance on convenience fee accounts: Online & telephony renewals 942,796 processed / $80.1 Million 2,150+ merchant accounts 3,920,500 transactions / $386.9 Million You can add that processing power to your teller line when you Choose TagsOnsite software as your ERT Partner. * Performance by Y2Payment Systems, Inc. ERT America, Inc., is not associated with the IL E-Pay contract. Technology stats: 99.997% up time. Customer complaints: Zero. Click to Continue

Become a Vendor… Help your customers… Call Nelvia Cherry at 773-572-2775 www.TagsOnSite.net Press ESC to end slide show. the