ALLIANCE PROGRAMS: How to Market to Your Current Clients

WHY? Increase your annual revenue without increasing your client base Recurring revenue each month; quarter Additional “hooks” Establishing your Bureau as an Employee Services firm; not just a payroll provider To be competitive in your market

HOW? Promote your ancillary products: -on your website -your “on hold” message -database mailers -check stuffers -email blasts -newsletter -press releases -your ops staff -your sales staff

REVENUE-GENERATING ALLIANCE PROGRAMS The Hartford Guard 401K Capital One Pay Card MHM First Advantage Corporate Express Rewards

REVENUE-GENERATING ALLIANCE PROGRAMS Why The Hartford: Additional product offering, mandated by law, that currently generates more revenue for PayChoice licensees than any other program. Great value proposition for employer-client: no down payment, pay as you go premiums based on actual payroll amounts, greatly improves cash flow, minimizes any audit adjustments. Revenue share: 5% of policy value The Hartford www.thehartford.com Description: Provides licensees with Worker's Compensation insurance that can be offered to their employer-clients or used internally.

REVENUE-GENERATING ALLIANCE PROGRAMS Why Guard: No down payment and no installment fees. Premium paid in small increments each payroll period-a significant cash-flow advantage. Minimal surprise at audit time. (Using actual payroll data instead of estimated amounts results in more accurate premium!) Payments conveniently drafted each pay period from the bank account of client’s choice. Revenue share: $70 for each new policy; $.14 per employee per payroll. Guard www.guard.com Description: Provides workers compensation that licensees can be offered to their employer-clients or used internally.

REVENUE-GENERATING ALLIANCE PROGRAMS Why Invesmart: Works with your current payroll service We select and monitor the investments for your plan Fees and expenses are lower Tax savings tool Savings and investment plan is created specifically for each participant and updated quarterly We’ll tell employees how much they need to save Telephone access to a investment advisor representative Web access to account Revenue share: $300 for each new plan sold + monthly share of plan and per employee. 401K Description: Provides a high quality 401K retirement plan that enables your clients’ employees to plan for their retirement with personalized account management and at a value that your small business client won’t get anywhere else.

REVENUE-GENERATING ALLIANCE PROGRAMS Why Capital One: Portable, personalized, Capital One and MasterCard branded card Funds automatically loaded into card account on payday via ACH Safe alternative to carrying cash Greater financial flexibility Reduce check cashing and/or banking fees Avoid waiting in line to cash paychecks Revenue share: 5% of all net interchange and fee revenue Capital One www.capitalone.com/payrollcardinfo Description: Provides a Paycheck Debit Card that licensees can offer to their employer-clients and employees. The card offers a range of benefits to employer-clients and their employees.

REVENUE-GENERATING ALLIANCE PROGRAMS Why MHM: Tax savings for both employee and employer by lowering taxable income. Covers out of pocket medical expenses. Pays for deductibles, co-pays, prescriptions, dental expenses, vision care, etc. Allows you to create a menu of pre-tax options including commuter, medical and dependent care. Revenue share: POP $80 per new policy; FSA $180 per new policy + $.50 /EE/month + $12/client/month. MHM www.mhmresources.com Description: Provides program that allows your clients to pay for certain employee group benefits (like medical & dental) with pre-tax dollars, saving you money that would normally be paid in taxes. The plans come in two basic forms, “Premium Only Plans” or POPs, and “Flexible Spending Account Plans” or FSAs.

REVENUE-GENERATING ALLIANCE PROGRAMS Why Corporate Express: • Access to Eway, Corporate Express’ online ordering system • Free delivery • Flexible payment methods – credit card or open account • Products heavily discounted especially for the PayChoice community Revenue share: 2% of gross revenue generated by your use and the revenue generated by your clients CORPORATE EXPRESS www.cexp.com Description: Provides licensees with a discounted office furniture, office products, and toner cartridge program that can be offered to their employer-clients or used internally.

REVENUE-GENERATING ALLIANCE PROGRAMS EASYCHOICE REWARDS EASYCHOICE REWARDS Powered by Next Jump www.corporateperks.com Description: Provides licensees with a corporate perks program normally reserved for Fortune-500 companies that can be offered to their employer-clients or used internally. Revenue share: 2% of your own purchases and the purchases of your clients. FIRST ADVANTAGE www.fadv.com Description: Provides licensees with a highly competitive background screening, drug testing, and tax consulting program that can be sold to their employer-clients or used internally. Revenue share: 7% of revenue generated by your use and your clients use.

BOTTOM LINE Hartford: -Avg policy $3,500. -5 policies per month -$3,500 x 5% x 5 x 12 = $10,500 per year Guard: -Avg policy $3,500 -5 policies per month, 50 employees per policy -($70 x 5) + (50 x $.14 x 5 x 12) = $770 per year MHM: -5 policies per month (FSA), avg 25 employees per policy -$180 x 5 = $900 -$.50 x 375 = $187.50 x 12 = $2,250 -$900 + $2250 + $720 = $3,870 $10,500 + $770 + $3,870 = $15, 100