The presentation discusses implementing successful eBilling strategies. It covers how Plymouth Rock Assurance implemented an eBilling solution that delivers bills securely as PDF attachments in emails. This allows customers to view, pay and save bills with just one click. The solution has increased eBilling adoption rates and electronic payments. Challenges included gaining internal support, but the eBilling approach offers customers convenience and improved security compared to traditional online portals.

1. Thank you for joining us. The presentation will begin shortly.

2. Case Study for Implementing Successful eBilling Strategies Presented by: Jim Flynn – Plymouth Rock Assurance Barrie Arnold – Striata Lori Beck – Western Union Payments

9. Consumer Billing Preferences: InfoTrends “ The Future of Electronic Bill Presentment & Payment in North America, InfoTrends, 2010” Email inbox is overwhelmingly the consumer’s eDelivery preference

10. Gen Y: Prefers to Receive Bills Through Email Versus Paper Statements Source: Q1 2011 Western Union ® Payments Money Mindset Index Q47: How would you prefer to receive your bill statements? Percent of Consumers

11. Consumers Are Moving Toward Electronic Channels Source: Q1 2011 Western Union ® Payments Money Mindset Index Q11: In the last 6 months, have your bill payment practices changed in any of the following ways? Percent of Consumers

12. Reasons for Bill Payment Behavior Changes Aite Group Survey of 4,696 U.S. consumers, July 2010

14. eBill Adoption Rates are Growing Source: eBilling Benchmarking Study, NACHA CEBP and Blueflame Consulting, January 2010 Overall, 82% of participants report increasing adoption of eBills with the fastest growth among Insurance over the past two years.

19. Delivering Opt-in Email eliminates ‘enrollment apathy’ Customers receive a branded, authenticated email invitation 1-click to sign-up No complex online registration Sample PDF doc attached to intro email

20. Customer receives encrypted PDF Bill via email Exact replica of paper document attached as a secure PDF Authentication box for increased customer security Clear, intuitive instructions on decrypting PDF Personalizable marketing real estate

21. No username / password to look-up or remember Customer enters ‘shared secret’ to access PDF bill – e.g. zip code

22. Page 1-click payments made directly from within PDF bill Instant payment directly from within the Secure PDF bill Payment details can be partially pre-populated for increased security & convenience

23. Secure, convenient viewing on computer or mobile device PDF is identical to paper version View, print & save PDF document OFFLINE

24. Payment Confirmation – marketing opportunity Promotions in transactional emails have high click-through rate Payment confirmation email reduces call center volume

31. Questions?