Global Payment Solutions for Multi-national Corporations and HNA Group Subsidiaries

CSI - THE LEADER IN ELECTRONIC GLOBAL PAYMENTS EXPERIENCED GLOBAL TRUSTED INNOVATIVE 28 years of expertise in payments Seasoned management PCI & SOC 2 compliant Major U.S. bank partners Certified card processor Headquartered in Bonita Springs, FL, with offices in New York, Los Angeles, Dallas, Toronto and London. Global capabilities in Europe, Asia, & Latin America. More than 7,500 corporate customers, including world leading brands. Over 2,500 integrated account payable implementations. 2017 Top Ten Mobile Banking App, CIO Magazine 2016 Best POS Innovation 2015 CODiE Finalist 2014 Red Herring Top 100 2014 Stevie Awards- Cust Service

ACCOUNTS PAYABLE CORPORATE TRAVEL MOBILE PAYMENT NETWORK FUEL | FLEET PCARD

WHY CHOOSE US IMPROVE PRODUCTIVITY Our CSI Paysystem is integrated with your existing ERP or accounting system. Within weeks you’ll be up and running with streamlined processes that mirror existing workflow and approval requirements. REDUCE COSTS CSI’s payment solutions are free (or nearly free) and will immediately reduce costs. Every check written costs your organization $5-$10, not to mention the cost of fraud and manual errors that accompany them. GENERATE NEW REVENUE Your organization will enjoy a new stream of monthly revenue through our cash back rewards program. We offer unlimited cash back rewards based on virtual card spending volume.

GLOBAL INTEGRATED PAYABLES EXPERTS CSI and E-life formed their partnership in 2016, to combine their respective payment technologies and industry knowledge. Together, they are able to offer multi-national corporations and HNA Group subsidiaries an innovative, truly global payment solution. Over 27 years of delivering innovative financial payment solutions with expertise in multiple industries Headquarter in Florida with offices in NYC, LA, Dallas and Toronto, our experience spans the globe: Europe, Asia, and Latin America More than 7,500 corporate customers have trusted CSI to deliver results State-of-the-art proprietary technology: CSI Paysystems As a subsidiary enterprise of HNA Group’s core industry, HNA Tourism, E-life Financial covers tourism finance, tourism payment and tourism value-added services China’s largest tourism financial services providers. Our services cover a number of countries in Asia, America and Europe Valued at 8 billion RMB, E-life Financial moved into the top 15 Internet Finance companies in 2016 E-life holds the primary third party payment license, cross-boarder payment license, foreign currency exchange license, and micro credit & tax refund licenses.

PRODUCT HIGHLIGHTS And more… Zero Dollar sign up fee Supports payments to all Chinese banks Same day transaction for major banks, next business day transaction for all other banks No fees for different bank/different province bank transactions (Normally banks can charge from 0CNY to 50CNY for these types of transactions) Batch transaction in single portal, increases efficiency and reduces manual mistakes Global payment visibility for international HQs, globally consolidated payment reports 24/7 customer service in China. Detailed reconciliation data And more…

WE PROCESS 100% OF YOUR PAYMENTS Typically 25-50% of your payables in North America and Europe can be converted to virtual card payments. Cut costs associated with checks and EFT payments, with suppliers receiving payments in a more timely manner AMERICA & EUROPE Paper checks or traditional EFT payments The CSI Proprietary Network pushes payments directly into supplier bank accounts and includes enhanced data for reconciliation For suppliers determined to maintain their current payment methods, CSI also supports check and EFT payments The Easy Pay network is connected directly to all major banks in China. Payments are made via a single file upload and settlement occurs within 1 day of initiation Traditional bank transfer CHINA Before AP Automation Multiple payment options available globally

PAY YOUR VENDORS ANYWHERE IN THE WORLD Virtual Card US Entity Check Bank Transfer Suppliers Worldwide Europe Entity China Payment China Entity FX Payment Payments are initiated from corporate user’s global entities Manage payments from CSI Paysystems, our cloud based payment portal designed to mirror your current work flows and approval process Payments are intelligently routed through various payment rails depending on location and supplier preferred payment type Disbursement to suppliers via Virtual card, EFT, Cross Border or Easy Pay China payment network Reconciliation data feeds back from CSI Paysystem to ERP

THE PROCESS Upload payment file from ERP into CSI paysystems Client enters AP into ERP or accounting system Funds are withdrawn from prefunded account INITIATE FUND PAYMENT PROCESS SETTLEMENT REBATE average 15-30 minutes Back to ERP for reconciliation Client prefunds payables via ACH or wire Vendor receives secure email remittance file Cash rebate delivered back to client

VENDOR REMITTANCE Detailed contact information Mastercard payment detail or online payment portal link Invoice remittance detail Email subject line contains ERP reference number, vendor name and company name

BENEFITS Reduce Costs No IT requirements, streamlined processes and security help to reduce costs. Save Time Our fully automated AP service helps to reduce manual processes. Improve Supplier Relationships Faster, more reliable payments with robust invoice detail improves supplier satisfaction. Increase Security PCI compliant technology and services with approved hierarchies built to mirror your existing workflow. Say goodbye to payment fraud. FOR BUYERS Reduce Costs Easy reconciliation for each transaction. Global suppliers cut costs when receiving funds in local currency. Save Time Instantly generated virtual cards and direct deposits mean suppliers get their funds faster. Increase Business Many suppliers see a growth in business when accepting new forms of payment. Secure PCI compliant systems ensure funds are sent directly to your suppliers. FOR SUPPLIERS

ONE PLATFORM, GLOBAL VISIBILITY CFO’s are able to manage P&L’s for multiple business branches and entities, located domestically and internationally. With CSI Paysystems, you have a centralized view to 100% of your business payments From Virtual Card payments and proprietary networks, to traditional payments like Check and ACH, your supplier’s preferred payment methods are supported. Upload a single payment file, and GPS will know which payment type to use for each supplier

SIMPLE IMPLEMENTATION PLAN It usually takes only three to four 30-minute phone calls to get your new payment system up and running. Implementation calls are scheduled twice weekly with the goal to run payments during 2nd week of implementation. Here’s what you can expect – Once you’re fully up and running – we don’t go away! I’ll be here any time you need help or to answer any questions you have. You can think of us as an extension of your team. We’re truly an WE WILL CONTINUE TO BE YOUR EYES AND EARS to be sure your payment program is successful. KICKOFF CALL Intros, program overview, timeline, next steps TRAINING Train users, launch program, run first payment batch REVIEW Additional training, account review, goal setting 1 2 3 4 5 6 SETUP Integration needs, process and timeline ENROLL Vendor communication campaigns CONSULT Ongoing quarterly consultations

NEXT STEPS Vendor match Rebate estimate Sign-up at no cost ABC Company Vendor Analysis Number Vendors Percent Vendors Dollar Value Matched % Dollar Value Matched Total Annual Spend 692 100% $9,775,553.79 Less: Non-Applicable Vendors 220 32% $3,514,664.51 36% Total Eligible Vendors 472 68% $6,260,889.28 64% CSI Enrolled 206 44% $1,659,527.78 27% Mastercard [high-medium match] 138 29% $1,063,294.14 17% Mastercard [low match] 62 13% $598,429.33 10% Removed 66 14% $2,939,638.03 47% 101% Vendor match Rebate estimate Sign-up at no cost Start receiving rebates Estimated Opportunity Number Vendors Matched Applicable Vendors Dollar Value Matched % of Applicable Dollar 30% high-medium match & 10% low match & 100% enrolled 254 54% $2,038,358.96 33% 45% high-medium match & 10% low match & 100% enrolled 274 58% $2,143,994.44 34% Estimated Opportunity Est. Monthly Program Volume Dollar Value Matched % of Applicable Dollar 30% high-medium match & 10% low match & 100% enrolled $169,863.25 $2,038,358.96 $1,698.63 $20,383.59 45% high-medium match & 10% low match & 100% enrolled $178,666.20 $2,143,994.44 $1.786.66 $21,439.94

WHO IS USING OUR TECHNOLOGY Bank Partners Software Partners Direct Customers A complete integration of our award-winning platform, branded for major banks globally. Strengthen loyalty and win new business with a leading electronic payment solution. Our integration partnership extends the capabilities of your existing software. CSI is a natural fit to extend the capabilities of ERP, P2P or other accounting related software providers. Adopt CSI for your business’s payables and experience the benefits of streamlining your payment process: savings and efficiency.

Jia Liu | jliu@corporatespending.com | 1-239-405-2879 THANK YOU Jia Liu | jliu@corporatespending.com | 1-239-405-2879 www.corporatespending.com