InComm Digital Gateway Extending your reach…

InComm Digital Solutions Intelligent platform offer Vast inventory assortment Broad distribution client offers Simple consumer consumption

INDUSTRY IS EMBRACING DIGITAL Digital Gifting Gaining Marketshare: Virtual cards represents 57% of a $126B market in 2016 or $71.8B One-third of consumers spent between $50 and $200 total on gift cards purchased online in 2011 70% of consumers prefer convenience of eGift card over plastic Over 200M people have a tablet or smartphone device 59 of the top 100 retailers offer a virtual gift card in 2011 – many via social channels 25% higher load values on e-gift cards 12 people are involved in every group gift on average – attract new customers Average price of a group gift is nearly $300! Sell more of your highest priced items Facebook is not going anywhere soon 845 million Monthly active users as of December 31, 2011 That is 7 new users per second in 2011 483 million Daily active users December 2011 100 billion friend connections on Facebook in 2011 2.7 billion likes and comments per day during the 3 months ending December 31, 2011 FB is a good acquisition tool – 53% of users have reached a retailers website from it’s 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 Source: comScore , National Retail Federation, The e-tailing group, Mercator, in-Stat, Cash Star & InComm GroupCard

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

DIGITAL B2B The Digital program enables merchants and product providers the capabilities to grow their own pre-paid business in the B2B Incentive space What is the Program? Adding value to your current physical consumer gift card program by delivering barcodes for recipients to print for in-store redemption as well as active PIN codes via secure e-mail to your B2B customers Uses existing InComm, merchant and partner infrastructure for new gift card distribution opportunities allowing InComm to expand your B2B GC program Why Launch the Program? Extend your competitive reach into the B2B space with additional product offerings. Leverage the existing infrastructure and strength of InComm’s 20+ years experience Grow your organizations B2B program with innovative products and capabilities

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

EXTENDING YOUR PROGRAM TO ONLINE The program enables merchants with existing e-commerce capabilities to rapidly scale their .com pre-paid business What is the Program? Migrating from physical card fulfillment to delivering activated PIN codes via secure e-mail Uses existing InComm merchant and partner infrastructure for settlement Post-tender model that leverages merchant shopping cart – InComm acts as “virtuall fulfillment” DC Why Launch the Program? Reach new customers, drive repeat traffic to merchant Web sites with superior customer experience Provides ability to scale assortment of pre-paid on-line Favorable economics Demonstrated significant lift in sales-over 600X with one merchant

VIRTUAL FULFILLMENT OVERVIEW The process is designed to enable the merchant to own the customer experience – with InComm acting as the virtual fulfillment engine Merchant sends InComm Fulfillment Request InComm retrieves and activates PIN InComm sends e-mail with PIN and redemption instructions Customer orders on merchant site Uses existing shopping cart Merchant owns experience Merchant manages tender Can be real-time or batch Flexible model for receiving requests Fulfillment request includes customer’s e-mail Using existing platforms PINs activated in real-time Delivery is “instant” Message is branded per merchant requirements Tools to manage delivery confirmation, reporting, etc.

Example of Customer E-Mails COMPLETE BRAND CONTROL The customer communication – complete with PIN and instructions – can be customized based on merchant and partner requirements Example of Customer E-Mails

Select Insights from US Launches 20 YEARS OF TECHNOLOGY INNOVATION Our experience to date has provided valuable insights that would translate to your program Select Insights from US Launches How to merchandize virtual pre-paid products What fraud rules should be deployed How to tailor customer support rules/tools What marketing programs/tools can support program How to work with merchants to set-up and manage program How to engage and win approval of key partners (e.g., Apple, MSFT)

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

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.