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Prepaid for Business




CONFIDENTIAL & PROPRIETARY
InteliSpend™ Value Map

    What we do.



                                    Benefit
            Prepaid for Business    • InteliSpend is uniquely suited for bringing prepaid to
                                      businesses
              Deepest product       • You don’t have to “make do” with one-size-fits-all,
           platform means more        vanilla gift cards or “off-the-shelf” program
            intelligent solutions     managers
                                    • InteliSpend has the unique ability and depth to
                                      create a solution that exactly matches your business
                                      need




 CONFIDENTIAL & PROPRIETARY
Deepest product platform in the market.




                      Unique                                     Patented                              Top-tier
                     Network                                   DirectSpend®                           Program
                     Flexibility                                   (RAN)                             Management




DirectSpend is a merchant acceptance process that allows you to decide where the card can be spent
and is protected by U.S. Patent Numbers 5,689,100 and 5,956,695 Canada Patent Number 2,215,969.

CONFIDENTIAL & PROPRIETARY
Why we are different.

                  Unique                                           Patented                                    Top-tier
                 Network                                        DirectSpend®                                  Program
                 Flexibility                                        (RAN)                                    Management




   •We don’t have to sell “our” solution –              •Economic benefit means more                 •We can make the simple easy, and
    we can create the right solution for                 rewards, more participants, more             the complex manageable for clients
    your unique program                                  power for limited budgets                   •Excellence in execution = less pain
   •Our clients come to us with a huge                  •Strategic benefit lets clients control       for clients
    range of challenges that often                       where cards redeem: filter out              •Deeper operational capability gives
    require very tailored solutions. Each                competitors or categories, or steer          greater program flexibility and
    network has particular specialties                   spend to partners or themselves              effectiveness
    and focus                                           •Experiential benefit uses select            •Rock-solid stability
   •By working with all four, we have the                merchant sets to keep rewards
    ability to purposefully match the                    meaningful (and effective) – an
    right network to a specific offering.                excuse to indulge
    It is just one element of how we
    craft the most intelligent solutions
    for our clients




DirectSpend is a merchant acceptance process that allows you to decide where the card can be spent
and is protected by U.S. Patent Numbers 5,689,100 and 5,956,695 Canada Patent Number 2,215,969.

CONFIDENTIAL & PROPRIETARY
Intelligent solutions for business.




CONFIDENTIAL & PROPRIETARY
Intelligent solutions. From rewards to payments.


                                                                             Unique
                                                                            Network
                                                                            Flexibility




                Employee                         Sales &                                            General                      General
               Rewards &                          Dealer         Consumer
Reward                          Wellness                                          Per Diem         Expense            Payroll    Purpose     Payments
               Recognition                      Incentives       Promotions                       Management                    Reloadable




                                               Top-tier                                                 Patented
                                              Program                                                 DirectSpend®
                                             Management                                                   (RAN)




DirectSpend is a merchant acceptance process that allows you to decide where the card can be spent and is protected
by US Patent Numbers 5,689,100 and 5,956,695.
CONFIDENTIAL & PROPRIETARY
Employees                          Sales/Distribution             Consumers
• training/certification rewards   Channels                       • promotions/rebates
• expense management               • quota threshold attainment   • loyalty
• service anniversary awards       • sales incentives             • sweepstakes
• performance/process              • manager spot awards          • insurance
  improvements                                                    • instant-win
                                   • lead referrals
• payroll                                                         • test-drive programs
                                   • bonus payouts
• manager spot awards                                             • appeasement
                                   • new business development
• employee referrals
• safety awards
• wellness



                                   Types of programs



CONFIDENTIAL & PROPRIETARY
Solution options.
                                                                      These cards can be spent anywhere. Several have been
                                              Universal               optimized for specific uses such as employee wellness,
                                               Cards                  consumer promotions and expense management.




                                                                               Our cards with prebuilt themes are engaging and
                                                         Theme                 able to meet a variety of needs. Standard and
                                                         Cards                 custom options are available.




                                                 Fully                 This option opens up all sorts of possibilities for solving
                                                Custom                 tough challenges. It gives you the ability to hand-select
                                                 Cards                 merchants for your own, one-of-a-kind product.



Reward cards are issued in connection with a loyalty, award or promotion program.
CONFIDENTIAL & PROPRIETARY
Unique network flexibility.




CONFIDENTIAL & PROPRIETARY
Multi-networks.
                                 •     Longstanding working relationship with InteliSpend
                                 •     Brand cache within certain populations
                                 •     Exclusive acceptance at some high-end merchants

                                 •     Greater flexibility to address super-custom needs and RAN programs
                                 •     Private label capability puts network bug on back for total client or program
                                       branding
                                 •     Innovators in the space – PayPal rails, Swagg, etc.

                                 •     Focus on applications such as wellness; offers additional wrap-around
                                       services like research and marketing materials
                                 •     MasterCard Marketplace

                                 •     Powerful brand internationally with great acceptance worldwide
                                 •     Specific models for applications such as expense management
                                 •     Preferred brand in consumer promotion space




American Express®-branded prepaid cards issued by InteliSpend Prepaid Solutions, LLC or ULC.
Discover® and the Discover acceptance mark are service marks used by InteliSpend Prepaid Solutions, LLC under license from Discover Financial Services.
Award card is issued by MetaBank™, member FDIC, pursuant to license by MasterCard International Incorporated. MasterCard is a registered trademark of
MasterCard International Incorporated.
Award card is issued by MetaBank™, member FDIC, pursuant to a license from Visa U.S.A. Inc.

CONFIDENTIAL & PROPRIETARY
Patented DirectSpend®




DirectSpend is a merchant acceptance process that allows you to decide where the card can be spent
and is protected by U.S. Patent Numbers 5,689,100 and 5,956,695 Canada Patent Number 2,215,969.

CONFIDENTIAL & PROPRIETARY
The engine behind innovation.
         reduce costs  strategic control  meaningful experiences

                                                                       dining, theater, entertainment




                         airfare,
        accommodations, cruise
                                                    DirectSpend®
                           lines,
                      car rental,
                                                       Unique,
      travel services & vacation                      patented
                       packages
                                                     technology




                                                               electronics, apparel, jewelry, gift,
                                                               home & garden, sporting goods,
                                                                         toys & luggage




DirectSpend is a merchant acceptance process that allows you to decide where the card can be spent
and is protected by U.S. Patent Numbers 5,689,100 and 5,956,695 Canada Patent Number 2,215,969.

CONFIDENTIAL & PROPRIETARY
DirectSpend® (RAN)
                       Economic
                       •Commissions garnered from participating merchants
                       •High reward levels
                       •Potential to pass more rewards to cardholders



                              Strategic
                              •Choose exactly where cards are spent
                              •Channel spend to you or a strategic partner
                              •Filter out competition


                              Experiential
                              •Create more memorable experiences by directing spend
                              •Initiates purchase anticipation while carried in wallet
                              •Reward not spent on everyday needs
                              •Cardholders experience 3X impact in certain reward applications


                       Merchant-Funded Discounts
                       •Create unique programs using only specific merchants
                       •Consolidate current programs to eliminate several single-merchant cards
                       •Custom design rewards that provide the most economic benefit
                       •Invent new rewards with our proprietary agreements with 200 top-tier merchants



DirectSpend is a merchant acceptance process that allows you to decide where the card can be spent
and is protected by U.S. Patent Numbers 5,689,100 and 5,956,695 Canada Patent Number 2,215,969.

CONFIDENTIAL & PROPRIETARY
Top-tier program management.




CONFIDENTIAL & PROPRIETARY
Top-Tier program management.

                                      • Defining client needs
                                      • Providing product solutions
                Account Executive     • Managing all client needs regarding pricing and contractual
                                       terms
                                      • Strategizing new opportunities




                                      •   Coordinating new programs & training
                                      •   Delivering ongoing support for program updates
                 Account Manager      •   Managing reporting requests & historical data
                                      •   Answering payment requests
                                      •   Coordinate business reviews




                                      • Liaison between Account Manager and Production Teams
                                      • Client contact for programs
              Production Specialist   • Managing artwork and PDFs for approvals
                                      • Facilitating any changes to existing programs




CONFIDENTIAL & PROPRIETARY                                                                            15
It’s more than plastic.


                              Participants        Cardholder Support       Communication             Network                Merchant Partnerships




                               Branding                Card Collateral             Security               Fraud/Overdraft               Lost/Stolen




                             Program Management                Reporting        Fulfillment, Shipping Options           Cardholder Website




                                                             It’s your custom solution.

CONFIDENTIAL & PROPRIETARY
What’s your solution?




CONFIDENTIAL & PROPRIETARY
Unique
          Unique solutions for                                                                Network
                                                                                              Flexibility

          your unique challenge.

                                                                                     Prepaid for
                                                                                      Business
                                                                                   Deepest product
                                                                                   platform means
                                                                                   more intelligent
                                                               Top-tier
                                                                                       solutions              Patented
                                                              Program                                       DirectSpend®
                                                             Management                                         (RAN)




DirectSpend is a merchant acceptance process that allows you to decide where the card can be spent
and is protected by U.S. Patent Numbers 5,689,100 and 5,956,695 Canada Patent Number 2,215,969.

CONFIDENTIAL & PROPRIETARY
To learn more, please visit us.
                                 www.InteliSpend.com
                                    InteliSpend Twitter
                                   InteliSpend LinkedIn
                                  InteliSpend Facebook
                              www.PrepaidEvolution.com



CONFIDENTIAL & PROPRIETARY                                     19

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InteliSpend Capabilities

  • 2. InteliSpend™ Value Map What we do. Benefit Prepaid for Business • InteliSpend is uniquely suited for bringing prepaid to businesses Deepest product • You don’t have to “make do” with one-size-fits-all, platform means more vanilla gift cards or “off-the-shelf” program intelligent solutions managers • InteliSpend has the unique ability and depth to create a solution that exactly matches your business need CONFIDENTIAL & PROPRIETARY
  • 3. Deepest product platform in the market. Unique Patented Top-tier Network DirectSpend® Program Flexibility (RAN) Management DirectSpend is a merchant acceptance process that allows you to decide where the card can be spent and is protected by U.S. Patent Numbers 5,689,100 and 5,956,695 Canada Patent Number 2,215,969. CONFIDENTIAL & PROPRIETARY
  • 4. Why we are different. Unique Patented Top-tier Network DirectSpend® Program Flexibility (RAN) Management •We don’t have to sell “our” solution – •Economic benefit means more •We can make the simple easy, and we can create the right solution for rewards, more participants, more the complex manageable for clients your unique program power for limited budgets •Excellence in execution = less pain •Our clients come to us with a huge •Strategic benefit lets clients control for clients range of challenges that often where cards redeem: filter out •Deeper operational capability gives require very tailored solutions. Each competitors or categories, or steer greater program flexibility and network has particular specialties spend to partners or themselves effectiveness and focus •Experiential benefit uses select •Rock-solid stability •By working with all four, we have the merchant sets to keep rewards ability to purposefully match the meaningful (and effective) – an right network to a specific offering. excuse to indulge It is just one element of how we craft the most intelligent solutions for our clients DirectSpend is a merchant acceptance process that allows you to decide where the card can be spent and is protected by U.S. Patent Numbers 5,689,100 and 5,956,695 Canada Patent Number 2,215,969. CONFIDENTIAL & PROPRIETARY
  • 5. Intelligent solutions for business. CONFIDENTIAL & PROPRIETARY
  • 6. Intelligent solutions. From rewards to payments. Unique Network Flexibility Employee Sales & General General Rewards & Dealer Consumer Reward Wellness Per Diem Expense Payroll Purpose Payments Recognition Incentives Promotions Management Reloadable Top-tier Patented Program DirectSpend® Management (RAN) DirectSpend is a merchant acceptance process that allows you to decide where the card can be spent and is protected by US Patent Numbers 5,689,100 and 5,956,695. CONFIDENTIAL & PROPRIETARY
  • 7. Employees Sales/Distribution Consumers • training/certification rewards Channels • promotions/rebates • expense management • quota threshold attainment • loyalty • service anniversary awards • sales incentives • sweepstakes • performance/process • manager spot awards • insurance improvements • instant-win • lead referrals • payroll • test-drive programs • bonus payouts • manager spot awards • appeasement • new business development • employee referrals • safety awards • wellness Types of programs CONFIDENTIAL & PROPRIETARY
  • 8. Solution options. These cards can be spent anywhere. Several have been Universal optimized for specific uses such as employee wellness, Cards consumer promotions and expense management. Our cards with prebuilt themes are engaging and Theme able to meet a variety of needs. Standard and Cards custom options are available. Fully This option opens up all sorts of possibilities for solving Custom tough challenges. It gives you the ability to hand-select Cards merchants for your own, one-of-a-kind product. Reward cards are issued in connection with a loyalty, award or promotion program. CONFIDENTIAL & PROPRIETARY
  • 10. Multi-networks. • Longstanding working relationship with InteliSpend • Brand cache within certain populations • Exclusive acceptance at some high-end merchants • Greater flexibility to address super-custom needs and RAN programs • Private label capability puts network bug on back for total client or program branding • Innovators in the space – PayPal rails, Swagg, etc. • Focus on applications such as wellness; offers additional wrap-around services like research and marketing materials • MasterCard Marketplace • Powerful brand internationally with great acceptance worldwide • Specific models for applications such as expense management • Preferred brand in consumer promotion space American Express®-branded prepaid cards issued by InteliSpend Prepaid Solutions, LLC or ULC. Discover® and the Discover acceptance mark are service marks used by InteliSpend Prepaid Solutions, LLC under license from Discover Financial Services. Award card is issued by MetaBank™, member FDIC, pursuant to license by MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated. Award card is issued by MetaBank™, member FDIC, pursuant to a license from Visa U.S.A. Inc. CONFIDENTIAL & PROPRIETARY
  • 11. Patented DirectSpend® DirectSpend is a merchant acceptance process that allows you to decide where the card can be spent and is protected by U.S. Patent Numbers 5,689,100 and 5,956,695 Canada Patent Number 2,215,969. CONFIDENTIAL & PROPRIETARY
  • 12. The engine behind innovation.  reduce costs  strategic control  meaningful experiences dining, theater, entertainment airfare, accommodations, cruise DirectSpend® lines, car rental, Unique, travel services & vacation patented packages technology electronics, apparel, jewelry, gift, home & garden, sporting goods, toys & luggage DirectSpend is a merchant acceptance process that allows you to decide where the card can be spent and is protected by U.S. Patent Numbers 5,689,100 and 5,956,695 Canada Patent Number 2,215,969. CONFIDENTIAL & PROPRIETARY
  • 13. DirectSpend® (RAN) Economic •Commissions garnered from participating merchants •High reward levels •Potential to pass more rewards to cardholders Strategic •Choose exactly where cards are spent •Channel spend to you or a strategic partner •Filter out competition Experiential •Create more memorable experiences by directing spend •Initiates purchase anticipation while carried in wallet •Reward not spent on everyday needs •Cardholders experience 3X impact in certain reward applications Merchant-Funded Discounts •Create unique programs using only specific merchants •Consolidate current programs to eliminate several single-merchant cards •Custom design rewards that provide the most economic benefit •Invent new rewards with our proprietary agreements with 200 top-tier merchants DirectSpend is a merchant acceptance process that allows you to decide where the card can be spent and is protected by U.S. Patent Numbers 5,689,100 and 5,956,695 Canada Patent Number 2,215,969. CONFIDENTIAL & PROPRIETARY
  • 15. Top-Tier program management. • Defining client needs • Providing product solutions Account Executive • Managing all client needs regarding pricing and contractual terms • Strategizing new opportunities • Coordinating new programs & training • Delivering ongoing support for program updates Account Manager • Managing reporting requests & historical data • Answering payment requests • Coordinate business reviews • Liaison between Account Manager and Production Teams • Client contact for programs Production Specialist • Managing artwork and PDFs for approvals • Facilitating any changes to existing programs CONFIDENTIAL & PROPRIETARY 15
  • 16. It’s more than plastic. Participants Cardholder Support Communication Network Merchant Partnerships Branding Card Collateral Security Fraud/Overdraft Lost/Stolen Program Management Reporting Fulfillment, Shipping Options Cardholder Website It’s your custom solution. CONFIDENTIAL & PROPRIETARY
  • 18. Unique Unique solutions for Network Flexibility your unique challenge. Prepaid for Business Deepest product platform means more intelligent Top-tier solutions Patented Program DirectSpend® Management (RAN) DirectSpend is a merchant acceptance process that allows you to decide where the card can be spent and is protected by U.S. Patent Numbers 5,689,100 and 5,956,695 Canada Patent Number 2,215,969. CONFIDENTIAL & PROPRIETARY
  • 19. To learn more, please visit us. www.InteliSpend.com InteliSpend Twitter InteliSpend LinkedIn InteliSpend Facebook www.PrepaidEvolution.com CONFIDENTIAL & PROPRIETARY 19