Innovative Commerce InComm Digital Solutions Presenter, Presenter Title | name@incomm.com | 770-555-5555 | 04.01.2012

InComm Overview Website Commerce Retail Store Commerce Mobile Commerce Consumer Purchases

Digital commerce is growing Projected $114B increase in sales through digital channels over next 4 years $279B $197B $25B Digital is where the market is going, if your not onboard, you’ll get left behind. $14B $6B 2011 2015 $1B 2015 2011 2011 2015 US E-Commerce Spend US Mobile Commerce Spend US Social Media Commerce Spend* *Excludes spend on Social Gaming Source: Forrester, Booz & Co

InComm offers five turnkey digital delivery options Connect with your Consumer…. E-Delivery Via your site Virtual delivery of your branded cards on your site Via Facebook Viral approach of single and group gifting for your brand Via Mobile Create or enhance your Mobile application; customized for your brand Via 3rd party .com Portfolio of third-party brands on merchant sites For B2B Business-to-business sales and loyalty options for your brand

Digital prepaid cards and digital commerce – a perfect fit 59 of the top 100 retailers offer a virtual gift card in 2011 Up from 40 in 2010 70% of consumers prefer convenience of E-Cards over plastic 93% of E-Gift card purchasers would recommend the service to a friend 40% the most powerful 100 online retailers do not offer gift cards today Source: Comscore, NRF, The e-tailing group, Mercator

E-Delivery of your brand’s cards from your site Digital Gifting from your site (1st Party) Flexible Shopping Cart Models: We own the Cart or you own the Cart Gift Cards Delivered via e-mail, Facebook, physical or mobile Group Gifting = Bigger load values ($300 avg. load) Offers unlimited card faces & optional upload of personal photo Fixed or open denominations Example: www.zynga.com VIRTUAL Connect: virtual delivery of your branded cards on your site VIRTUAL Connect allows content partners the ability to deliver digital cards/PINS as part of product inventory integrated into their own website. Depending on the delivery mechanism, customers have the ability to send and receive prepaid cards via email, mobile devices or as a gift on Facebook and can also enable consumers to stage transactions online for cash-payment completion in store.   Features/Benefits: Individual & group gifting Deliver to email or mobile Digital Code Promotions No physical product necessary Ideal for web-based companies Puts your product virtually at any participating retailer No credit/debit card required for under banked consumers

E-Delivery via 3rd party .com sites 3rd Party brands on a merchant website Digital Gifting via 3rd party .com Extend thru new virtual distribution channels Exclusive partnerships with the world’s top websites InComm pulls gift card codes real time from your processor InComm provides virtual fulfillment for 3rd party .com sites Walmart provides InComm cred. (good image) InComm can also host the shopping cart (via i-frame) – assuming credit card transaction and fraud (kount) Supports Physical or Digital delivery of pins Customer orders on merchant.com site using current shopping cart Merchant.com owns the consumer experience and fraud rules Merchant.com sends post order fulfillment message to InComm Merchant leverages existing integration ‘real time’ order calls InComm sends Ecard/Pin and redemption instructions to consumer email address

Digital prepaid cards and social commerce – poised to explode 845 million Monthly active users as of December 31, 2011 12 people are involved in every group gift on average - attract new customers to your store Facebook added more than 7 new users per second in 2011 53% of Facebook users have reached a retailer’s website from its Facebook page Virtual cards are projected to represent 57% of a $126B prepaid card market in 2016 Nearly 1 in every 5 minutes spent online around the world is now spent on social networking sites Every virtual gift card is broadcasted socially via Facebook Source: Comscore, NRF, The e-tailing group, Mercator, in-stat, InComm GroupCard

E-Delivery via Facebook: Single and group gifting Digital Gifting via Facebook Capture the power of social media to expand your brand presence InComm owns the cart, payment & fraud E-Cards delivered via e- mail, Facebook, physical or mobile Group Gifting = Bigger load values ($300 avg. load) Unlimited card faces , fixed and open denoms. SOCIAL Connect: Social platform and group gifting for your brand SOCIAL Connect captures the momentum of social media to extend partners' online presence. This platform is closely integrated with Facebook, enabling individual and group gifting via invitations to a network of friends to contribute towards a single gift. The solution supports email and SMS delivery and can also work as a stand-alone offering accessed from partner websites. Benefits: Individual & group gifting Deliver to Facebook, email or mobile App on your Facebook fan page The average price of a group gift is nearly $300! - sell more of your highest priced items 12 people are involved in every group gift on average - attract new customers to your store Value of an individual can mushroom into a larger gift via fb, twitter and email! Social-Viral gifting phenom. Example: H & M Example: Bath & Body Works

Group Gifting: Extending your brand; increasing impressions -cont- Group Gifting: Extending your brand; increasing impressions Options to invite others to contribute to a gift Digital Gifting from your Facebook Fan Page Single or group gifting via InComm hosted interface and shopping cart Delivered via e-mail, Facebook or mobile SMS Works outside of Facebook; therefore, participants do not need to be Facebook Unlimited design covers & personal photo upload (optional) Supports fixed or open denominations Online Admin Tools enable Partner to track orders, review e-mail status, re-deliver & refund

Digital prepaid cards and mobile commerce – it’s happening now Mobile commerce is projected to be a staggering 31 Billion by 2016 Mobile app download are expected to reach 98 Billion by 2015 The average person has their mobile phone within reach 14 hours a day When given a chance 61% of consumers choose a virtual gift card over a physical card Nearly 70% of US adults will by smartphones by 2015 Up from 50% today On average, Americans spend 2.7 hours per day socializing on their mobile device Source: Comscore, The e-tailing group, in-stat, NRF

Card Gifting & Group Gifting E-Delivery via Mobile A mobile payment solution for your brand, brought in partnership with CorFire Store Information GPS store locator, addresses, hours, etc. Deals Offer coupons, promotions, SMS/MMS texting Rewards Build or enhance existing loyalty program My Cards Pay with your brand gift card and/or other network (Visa, Amex, etc.) cards Card Store Purchase your brand gift card and other digital card inventory. Card Gifting & Group Gifting Delivery via email, mobile and Facebook

Individual Fulfillment Digital Delivery Program Management E-Delivery for B2B Business-to-business options for your brand Bulk Fulfillment Individual Fulfillment Digital Delivery Program Management Permissions based online portal InComm sits in between incentive partners (distributors) and providers (gift card partners). We have plastic or digital delivery capabilities in bulk or individual fulfillment – open loop and closed loop products – fully customized B2B capabilities. Incentive Partners: Loyalty Programs Capital One Rewards Choice Hotels Consumer Promotions Time Warner Cable DirectTV Employee Incentives Optum Health Content Providers and/or Retail Partners: Retail Gift Cards Digital Content Open Loop Cards

Partner Offers to drive redemption InComm innovation for today, tomorrow and beyond….. Digital Gifts to Open Partner Offers to drive redemption Animated Gift Opening

The InComm Advantage: Leveraging our unique infrastructure to deliver multi-channel digital solutions for our partners RISK FREE DIGITAL SOLUTION – No setup costs, commission based model for e-cards sold. Easy integration (1-6 weeks), InComm develops for you! Stable & Proven Partner– with revenues of over $15B annually, our industry expertise enables us to deliver digital solutions with little to no investment from our Partners The ONLY TRUE MULTI-FACETED platform that supports digital sales through e-commerce sites mobile applications and social networks …solving your digital needs today & tomorrow InComm features group gifting which provides additional brand impressions as well as larger load values ($300 avg. load) Recently InComm purchased Adility; digital couponing + InComm’s digital gifting = marketing promotions on steroids… …and allow multiple transaction solutions, integrating to your shopping cart or InComm can act as the Merchant or Record (MOR) Supplementing your EXISTING InComm configuration streamlines sales, reporting, reconciliation

InComm Digital Advantages Area InComm Competition Comments Established, financially secure company InComm has strong balance sheet 20+ years experience in the prepaid space, Extensive existing relationships with major product partners True multi-channel platform InComm supports stores, e-comm, mobile, social, B2B & 3rd party .com, digital couponing Competitive platforms limited Flexible cart solutions InComm model enables you to own tender Or, InComm can own tender & fraud In-market multi-product digital sales We support iTunes, wireless, gaming, gift cards for hundreds of Product Partners, Competition cannot support full product assortment Awarded digital gateway distributor for Walmart & Best Buy (Two of the largest sites in the world) and launching others this year! Feature / Functionality Personalized messages, photos & video Delivery: e-mail, Facebook, Mobile & Physical Single or group gifting (direct integration into FB, enables social triggers prompting e-gifting) Groupgifting mushrooms the value of the gift Groupgifting increases brand awareness & impressions (12 people on avg. contribute)

InComm Gifting Application Resources Digital Delivery Live & Demo Sites: Zynga Live Website: www.zynga.com Walmart.com Live Website:   www.walmart.com H&M Demo Application: https://demo-review.giftingapp.com   Jennifer Adcock InComm Digital Sr. Director, Business Development (918) 366-1107 (office) (918) 830-0092 (mobile) jadcock@incomm.com Jennifer Berger Business Development Manager (816)572-8574 jberger@incomm.com

InComm Digital Clients