InComm Virtual Solutions Extending your reach…

SOCIAL MEDIA IS A POWERFUL FORCE In a world where contact with some friends consists primarily of Facebook interactions, E-Gifting is currently a differentiator, and something that is predicted will rapidly become a basic, expected capability. Nearly 1 in every 5 minutes spent online around the world is now spent on social networking sites

SOCIAL MEDIA USERS CONITUE TO GROW Facebook is not going anywhere soon 845 million Monthly active users as of December 31, 2011 Representing growth of 39% from 608 million a year earlier 483 million Daily active users December 2011 Representing a 48% increase from 327 million in December 2010 100 billion friend connections on Facebook at the end of 2011 2.7 billion likes and comments per day during the 3 months ending December 31, 2011 Facebook added more than 7 new users per second in 2011

SOCIAL MEDIA RETAIL CONTINUES TO GROW Facebook a good consumer acquisition channel 53% of Facebook users have reached a retailer's website from its Facebook page 35% of online shoppers said they would be likely to make a purchase through Facebook 79% of the internet Retail Top 500 retailers have Facebook pages Only 12% offer apps or widgets that enable ecommerce transactions Facebook and Twitter retailer survey reported customer acquisition rates of 48% and 42%, respectively.

93% of E-Gift card purchasers would recommend the service to a friend INDUSTRY IS EMBRACEING DIGITAL DISTRIBUTION Digital Cards – A growing market Virtual cards represents 57% of a $126B market in 2016 or $71.8B 59 of the top 100 retailers offer a virtual gift card in 2011 (40 in 2010) 40% the most powerful 100 online retailers do not offer gift cards today 12 people are involved in every group gift on average - attract new customers to your store The average price of a group gift is nearly $300! - sell more of your highest priced items Every gift is broadcast socially via Facebook - expose your unique brand to the world 93% of E-Gift card purchasers would recommend the service to a friend

Gift cards, by nature, are something of a social experience SOCIAL MEDIA MEANS CONNECTING WITH CONSUMER Social E-Gifting – Leverage this new channel Social networks provide myriad opportunities to try new offerings that connect with the consumer in a much more interactive manner Social Media provides the opportunity for a dialog, not a lecture Social offerings is lower-cost advertising and acquisition channel than any other platform presented to retailers in decades (TV, print, radio) Retailers should consider creative gift card offerings that leverage these new channels. 60% of US social network users were at least somewhat likely to take action when a friend posted something about a product, service, company or brand on a social media site. Gift cards, by nature, are something of a social experience

INCOMM’S DIGITAL PROPOSITION Extending in-store mall to online mall Broadest portfolio of leading brands with digital channels, supporting multiple currencies Since 1992 InComm has pioneered prepaid market technology – masters of emerging products Large scale, existing business allowing sustainability & launch of new products with minimal effort Turnkey on boarding minimizing overhead, IT and operational resources; enabling a six (6) week integration timeline Providing instant inventory associated with digital transactions for B2B & B2C Leveraging your InComm configuration streamlines sales, reporting, reconciliation, etc.

DIGITAL COMPLIMENTS PHYSICAL DISTRIBUTION One integration enables 3 digital sales channels (1) E-Cards via your web site; First party (Zynga.com): B2B Distribution Individual & group gifting Deliver to e-mail or mobile One integration Mobile and Desktop Open access to digital inventory; Product Payment Promo codes (2) E-Cards via Social Nets App on your Facebook fan page Individual & group gifting Deliver to Facebook, e-mail or mobile (3) E-Cards via 3rd Party Merchant .com Sites Walmart.com, Amex.com, Best Buy.com, etc. Digital Code Promotions Online and/or ‘in store’ delivery

InComm Digital Delivery Examples

E-CARDS VIA YOUR WEBSITE InComm apps enable single or group purchases via partner or InComm hosted interfaces and shopping carts Digital Gifting from your site (First and Third Party): Works via an “I-frame” inside retail branded website or Facebook Offers unlimited design covers Upload personal photo for personal gift card design Specific Amount or variable Denomination supported Send a gift card to a friend that everybody can contribute to and add a personal message I-frame enables portal shopping cart to complete consumer transaction on Partner’s website.

E-CARDS VIA FACEBOOK FAN PAGE Value of an individual gift can mushroom via Facebook or email invitations Email to Contribute Digital Gifting from your Facebook fan page: Works outside of Facebook therefore participants do not need to be Facebook users Unlimited design covers Specific amount or variable denomination support Send a gift card to a friend that everyone can contribute to and add a personal message Facebook Stream Post

Consumers buy virtual product online; receive emailed digital PINs E-CARDS VIA 3RD PARTY MERCHANT.COM Consumers buy virtual product online; receive emailed digital PINs Merchant Need; .com Commerce Increase reach; Drive Usage Value add & stickiness; Marketing 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

MERCHANT.COM PROMOTIONS / ONLINE TO OFFLINE Digital Delivery of “Single Use” promo codes* Models Supported Single Use Unique Code distributed upon condition and redeemed based on business logic Promos linked to consumer loyalty accounts Return / Redeem content /codes in- store with unique account, supporting adjudication riding existing merchant integration Example: Netflix Value Tied to DVD or TV Purchase Best Buy creates non-unique promotional SKUs InComm builds set of unique IDs with SKU(s) embedded (e.g., 10K/SKU) BBY distributes codes to targeted audience Customer brings in scanable format (printout; mobile rendering) InComm activates product, triggering application of promo SKU at POS Code moved to consumed status – can’t be used again Settlement and reporting (InComm receives trx fee) Process will vary by merchant; and can support 3rd party ‘deals’, or vendor/CPG offers *Merchant must be configured to support InComm POS Activation

INCOMM’S DIGITAL CLIENTS

DIGITAL LAUNCH SUMMARY & TIMELINE Contract & Product ops setup Submit configuration worksheet Launch 6 weeks Minimal IT resources for App launch Product operations leverage your existing InComm configuration InComm assumes all credit card transaction fraud risk You have approval over new channels / partners InComm can expand sales of your product through multiple digital channels

(918) 366-1107 (office) (918) 830-0092 (mobile) CONTACT Jennifer Adcock InComm - Digital Gifting, Sr. Director, Business Development (918) 366-1107 (office) (918) 830-0092 (mobile) jadcock@incomm.com

Appendix A: Screen Shots & Demo Sites

FACEBOOK DIGITAL GIFTINGor stream H&M’s Gifting Bounce Page Creation of a gift card within Facebook

FACEBOOK CHECKOUT PROCESS Checkout process within Facebook: Cart view allows creator: To view multiple cards Enter Promo Code Delete card orders due to error User intuitive checkout provides optional tender of PayPal or any major credit card InComm assumes all risk associated with Credit Card transaction Including all transaction fees and chargeback's

GROUP GIFTING / INVITE FRIENDS TO PITCH IN Group gifting is viral: Group gift cards = 3X load value of Individual gift cards: Opportunity to invite others to contribute to gift card to create group gifting Contribution invite can be delivered via: Email Message on Facebook Wall Post Twitter

Email templates and redemption gift cards are 100% partner branded Your brand, your way Email templates and redemption gift cards are 100% partner branded Invite friends to contribute Wall Posting – claim your gift Gift card

Gift Notification Sent Via Facebook & Email Facebook Wall Post Email notification – claim your gift

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   This is just the beginning… We’re truly eager to partner with you for your digital gifting solutions.