The document introduces an employee purchase program offered by Purchasing Power that allows employees to buy products through convenient payroll deductions. It provides benefits to both employees and employers. For employees, the program offers an alternative to credit cards or loans when they need to make purchases, while spreading costs over multiple pay periods with no interest or fees. Employers benefit from increased employee engagement, retention, and productivity while keeping costs down. The program has over 260 clients with 7.6 million employees and processes over $1.3 billion in orders annually through its simple and streamlined implementation and administration process.

1. 11
The Premier Employee
Purchase Program
May2016
Presented By:
IAML Services, Inc.
450 Newport Center Drive,
Suite 390
Newport Beach, CA 92660

2. 22
Agenda
The Employee Benefits and Experience
The Employer Benefits and Experience
Let Us Introduce Ourselves1
2
3

3. 3
Who We Are
What We Do
We make it possible for employees to buy the products and services they
need and want through a simple payroll deduction plan. We also provide
financial wellness tools and resources that give them control of their financial
decisions.
How We Support Our Clients
Purchasing Power supports our clients by providing a no-cost and no-
liability benefit that impacts recruitment, engagement, and ultimately
retention and productivity to help lower your business costs.

4. 4
A Proven Business Model
A+ BBB Rating
The employee purchase program of choice for Pep
Boys, Quicken Loans, Time Warner Cable and more.
95% Client Retention Rate
7.6 Million Employees Have Access
Award-Winning Customer Service
$1.3 Billion in Orders Taken
1.2 Million Orders Processed
25 Million Payroll Deductions
* As of 01.2015

5. 5
Products
Popular Brand Names
Popular Brand Names
Popular Brand Names
Popular Brand Names
Popular Brand Names

6. 6
Services
We’ve partnered with four leading online learning institutions to offer their education
programs at competitive prices.
Test Preparation Degree Programs Certifications Tutoring
Cruises
All-Inclusive
Resorts
Hotel
Packages
Destination
Packages
Our purpose is to provide a responsible way for people to access the products they need
and want. But we also provide them with tools that educate and empower them to take
control of their finances.
• Online self-help resources
• Financial education
• In development a new gamification platform

7. 7
A Real Life Example
Meet Amber
She fits the profile of our typical customer
Amber needs to buy a new refrigerator. She’s low on cash, and her credit score is below prime.
What are her options?

8. 8
Amber’s Options
Subprime/
In-Store
Credit Card
Payday
Loan
Rent-to-Own
Retirement
Savings/
Withdrawal

9. 9
Amber’s Not Alone
Many employees share her frustrations:
of 401(k) savers
have an
outstanding loan
against their
account.
70M
do not qualify for
prime credit and
can’t turn to
friends and family
for help.
36%
do not have at
least $2,000 in
emergency
savings.
21%

10. 10
How We Help
A manageable, convenient alternative
 Payroll Deduction
 Greater Financial Flexibility
 No Late Fees
 No Credit Checks
 No Hidden Costs
 No Interest
 Upfront Shipping
93% of our
customers say our
program reduces
their financial
stress.

11. 11
How Does it Work
Responsible Spending
• Tenure and salary requirements
• Spending and order limits
Easy, Informed Shopping
• Upfront pricing
• No hidden fees
Return Policy
• Allows for most products to be returned within 30 days
• Modified return policies on larger items, like furniture and televisions

12. 12
Employer Benefits
Engagement Retention
Productivity Recruitment
Keep Costs Down

13. 13
260+ Clients7.6 Million Employees
What our customers say about our program:
Our Proven Results

14. 14
We Make It Simple
Streamlined
Implementation
Ease of
Administration
File Transfer
Flow
• Typically 2-4 hours a month
• 8-10 hours of your time over a 4-6 week period
• Involves your Payroll, HR & IT departments

15. 15
We Make It Simple
Employee Communications
• Created and delivered by us
• No cost to you
• Mailers, flyers, onsite events, and emails
Main Promotional Campaigns
• Spring: March 15 – April 15
• Back to School: July 15 – August 15
• Holiday: November 1 – December 15
Full Program Support
• Designated Account Manager and Client
Services Manager
• Performance reports
• Updates on new products and services
• Minimizes your administrative burden
Benefit Fairs
Emails
Flyers Mailers

16. 16
Program Optimization
0.1%
1.5%
2.4%
4.0%
Nothing Mail & Email
Only
Mail + Email
AND Benefit
Fair OR Train
the Trainer
All
TouchPoints*
Penetration Rates (First 30 Days)
by Launch Touch Points
Penetration rates improve as we add more touch points at the client launch.
More communication channels Higher program utilization

17. 17
Thank You! For More Information:
IAML Services, Inc.
949­760­1700
www.iaml.com
450 Newport Center Drive, Suite 390
Newport Beach, CA 92660
Newport Beach, CA 92660