Building Loyalty through Mobile Apps, Coupons and Offers Joe Salesky Founder & Chief Strategy Officer. FreeMonee Network David True Managing Director, Broadly Curious Charles Rosenblatt EVP Strategy, Affinity Solutions FMN Technologies Inc. - Proprietary and Confidential

FMN Technologies Inc. - Proprietary and Confidential Who would you trust? FMN Technologies Inc. - Proprietary and Confidential

Do consumers want a mobile wallet? FMN Technologies Inc. - Proprietary and Confidential

Banks’ underused assets: online and mobile channels Source: Aite Group Survey of 1,011 U.S. Consumers, December 2010 Source: Google

Banks’ underused assets: payment data Source: Aite Group Survey of 1,011 U.S. Consumers, December 2010

Cardholder Sentiment 64% OF CARDHOLDERS Expect FI’s to find and offer ways to save money on purchases 77% OF CONSUMERS Are tired of receiving offers and discounts that are not relevant Source: Harris Interactive, August 2011 FMN Technologies Inc. - Proprietary and Confidential

Cardholder Sentiment 57% OF CARDHOLDERS Are not concerned with FI using purchase history to tailor merchant incentives 6 OUT OF 10 SAY THEY WILL SWITCH If another FI provides valuable cash incentives and their FI does not Source: Harris Interactive, August 2011 FMN Technologies Inc. - Proprietary and Confidential

Goals: Acquisition, Share, Comp Store, Enhance Loyalty From a measurement standpoint you will have 100% visibility into the program. We will launch the program with a 12-month purchase history on each cardholder which will only grow as the program matures. We will provide you with the number of gifts delivered and redeemed. The aggregate behavior pre, during and post campaign to give you clarity into when and how much consumers redeemed. As well as all of the metrics necessary to understand your total spend, sales and return on investment. Most importantly, we will also provide you an A/B test so you can understand the true incremental impact which FreeMonee delivered. 14 15

Performance Based - Goals Aligned FreeMonee is a 100% performance based program. We only get paid when we have driven a visit from the consumers you have identified. Therefore, our goals are aligned, just like you we want to bring in the highest value customer for the lowest cost. The more customers we bring you the more effective the program is for both of us. 20 FMN Technologies Inc. - Proprietary and Confidential

POS Integration Training Creative Coupon Clearance Fraud Simple Merchant Experience POS Integration Training Creative Coupon Clearance Fraud From a merchant perspective this is truly a turnkey experience. All we need from you is clarity on the objective you wish to achieve (i.e. acquisition, loyalty, new store opening), your budget and desired margin contribution and we are ready to go. There is no integration at Point of Sale. You do not need to train your sales people, there is no creative aside from a logo. There is no coupon redemption or clearance. And since the gift is given exclusively to the individual cardholder from their bank there is no way the gift can be duplicated or shared with others. 13

Transaction data will be monetized The opportunity is too large to go unsolved There are many potential innovators, and data commoditization can occur Consumers & Retailers are ambivalent about the solution provider The marketplace will move more quickly than many expect FMN Technologies Inc. - Proprietary and Confidential