Prepaid Network Forum -Edinburgh 30th March 2017 14/11/2018

allpay Limited – Payment Business 500+ 160 10 £6bn 60m 9% £40m Housing Associations local authorities processed transactions Annual growth Energy suppliers Revenue 99% 50% 100 40+ would recommend/ consider recommending allpay Tender wins and renewals New clients of our clients have been with us for 7 years or more As the cards are going out inactive, we can send out the card as a pin in pack. This would mean that once the organisation have updated the details to be set for the cardholder and activated the card, the cardholder can instantly use any of the services available on the card. The organisation will go onto the portal and order a specified amount of cards (minimum 100) and these will be sent as a batch to the organisation with the cards/pin mailers sealed in an envelope. Through the window of this envelope is a unique ‘Client ID’ which will act as a reference for that specific account. On reports then this ID will show as well as the first/last 4 digits of the PAN so that the organisation can reconcile the payment/account to the right cardholder. Also available on the portal will be a spreadsheet listing all of the ID’s so that the organisation can easily add cardholder names to the list so that they can keep tabs on who owns which card. All cards sent out via this programme are ‘non personalised’ and will hold just a PAN. They are also not linked to a sort code or account number so personal contributions cannot be made to these accounts. These cards are intended for one off usage 11/14/2018 allpay Card Services © allpay Limited

allpay Limited – Quality & Security How we guarantee Quality and Security Maximum Protection of client funds – Tripartite Agreement with MasterCard & Raphaels In-house Call Centre In-house Card Manufacture FCA Regulated E-Money Licence Cutting-edge Portal design PCI DSS Level 1 accredit-ation Cyber Essentials+ As the cards are going out inactive, we can send out the card as a pin in pack. This would mean that once the organisation have updated the details to be set for the cardholder and activated the card, the cardholder can instantly use any of the services available on the card. The organisation will go onto the portal and order a specified amount of cards (minimum 100) and these will be sent as a batch to the organisation with the cards/pin mailers sealed in an envelope. Through the window of this envelope is a unique ‘Client ID’ which will act as a reference for that specific account. On reports then this ID will show as well as the first/last 4 digits of the PAN so that the organisation can reconcile the payment/account to the right cardholder. Also available on the portal will be a spreadsheet listing all of the ID’s so that the organisation can easily add cardholder names to the list so that they can keep tabs on who owns which card. All cards sent out via this programme are ‘non personalised’ and will hold just a PAN. They are also not linked to a sort code or account number so personal contributions cannot be made to these accounts. These cards are intended for one off usage

Proven Experience Working with 70 local authorities, housing associations, care providers, credit unions, charities and banks 20% of allpay’s programmes involve the direct payment of Personal Budgets via Clinical Commissioning Groups (CCGs) and Children’s and Adult Social Care Payments via local authorities. Programmes being delivered for some of the UK’s largest local authorities, including Birmingham City Council and Essex County Council.

Planned Implementations Client Deployment over the coming weeks/months 19 Implementations over the coming weeks – cross section of product solutions East Dunbartonshire (Instant Issue) Live March Bracknell Forest BC (New scheme Appointeeship) Live 31 March Southampton CC (4 Schemes, Instant Issue x 2, Direct Payments, Appointeeship) Live from 24 March - (Instant Issue, T&E) July Yorkshire CC, East Riding (Direct Payments) Live 31 March Cornwall CC (Direct payments, Appointeeship) Live 15 April Wheatly Group (Instant Issue) Live May LB Harrow (Instant Issue) Live May RB Kingston (Direct Payment) Live May Lincolnshire CC (Direct Payments) Live 2 May Birmingham CC – Forward Carers (Instant Issue) May , Special Education Needs and Disability (Instant Issue Advanced/Direct Payments) June Colne Housing (T&E) Live June Glasgow CC (Direct Payments) Live June allpay Prepaid Cards © allpay Limited - allpay public

Migration Planning - no existing provider Weekly calls Organisation Portal log-ins issued to dedicated council ‘Superuser’ – System live Prepaid cards issued & Scheme go-live KYC procedure confirmed by Council (see slide 8) Contract Award Jan 17 Feb March Test Cards issued 2-week onsite consultancy Confirm Requirements – complete Client Implementation Request Form and Programme Overview (see slide 7). Card & Carrier design approval Training - See slide 7 for allpay proposed training agenda. PROJECT SET-UP TRAINING & UAT GO-LIVE 14/11/2018 allpay Card Services © allpay Limited

Migration Planning - Existing provider Weekly calls ‘Dual-Card’ period Organisation Portal log-ins issued to dedicated council ‘Superuser’ – System live July 31st New cards ordered by Council via Organisation Portal Prepaid cards received by service users Funds Redeemed Funds redeemed from former supplier’s cards back into Council account – cards closed KYC and Vulnerable Persons Policy procedure confirmed by Council Implementation Start Card Closure Notification 1st Comms issued to Service Users – 60 day notice (see example slide 7) June 2017 July August Confirm Requirements – complete Client Implementation Request Form and Programme Overview (see slide 7). Funds loaded Council loads funds on to allpay’s Prepaid Cards. Balance Transfer Surplus balances transferred to new allpay cards 2nd Comms issued to service users Card & Carrier design approval Training PROJECT SET-UP TRAINING & GO-LIVE TRANSFER OF BALANCES & CARDS CLOSED 14/11/2018 allpay Card Services © allpay Limited

Migration Support Nov DEC JAN 17 Feb Mar Apr May Jun Jul Aug Sep Cards issued/service live Nov DEC JAN 17 Feb Mar Apr May Jun Jul Aug Sep Dedicated implementation Project Manager Training Transition Support Prepaid Product Manager Customer Service Call Centre Support for Council and Service Users Ongoing Account Management to schedule regular meetings to report on performance, update on product enhancements and regulation 14/11/2018 allpay Card Services © allpay Limited

High Customer Satisfaction High customer satisfaction rates from Implementation through to delivery

allpay Prepaid Cards © allpay Limited - allpay public Summary Meeting Local Authority and Housing Authority Requirements - Now and in the Future Resiliency – through robust system ‘tried and tested’ with controls and safeguards to protect your funds and payments and cardholder protection Improved Responsiveness - offering real time options through a platform with flexibility to meet changing payment demands, across a number of different payment channels Improved Monitoring - tailored reports to meet your needs. The management information accessible to your teams will enable you to efficiently monitor and audit social care funding Reduced Administration - Cost effective, easy to use platform with selected permissions and evidence has shown that councils achieve savings in using the service, protect and better manage the social fund budget Long-term commitment – We are investing and evolving our platform, expanding our portfolio and enhancing our services allpay Prepaid Cards © allpay Limited - allpay public