1 Proprietary & Confidential July 2015 Bringing a Unique Approach to Corporate Payments

2 Proprietary & Confidential Who We Are

3 Proprietary & Confidential Our Purpose Flexible | customer-driven | corporate payments | service | team

4 Proprietary & Confidential Corporate Payments Fleet Solutions Fleet Solutions Boutique Approach

5 Proprietary & Confidential Why EFS? We’re Helping Our Customers… Grow Revenue –Optimize working capital –Focus on your core business –Revenue sharing Reduce Expenses –Automation –Eliminate paper –Centralize payment processing Mitigate Risk –Consolidated spend view –Improved visibility, real-time control –Spend strategically

6 Proprietary & Confidential A New Approach to Payments Taking the mystery out of the purchasing equation: YOU become the IssuerSECURED ENVIRONMENT= MAXIMUM Rebate Value

7 Proprietary & Confidential Flexible Payment Options Physical card assigned to an employee for standard business purchases Permanent MasterCard® card number assigned to a specific vendor or department – used for repeated purchases Unique 16-digit MasterCard® card number electronically generated for one- time payment/use EFS MasterCard® Corporate Card EFS MasterCard® Ghost Card EFS MasterCard® Virtual Card x

8 Proprietary & Confidential 19 Overall High Capture Primary reasons to accept cards Why Do Vendors Accept Cards?

9 Proprietary & Confidential Manual or electronic Ensure invoice is processed into AP system with appropriate GL coding Ensure 2 or 3 way match is made Appropriate approvals Process payment to the supplier EFT/ACH Checks INVOICE RECEIPT FINANCIAL SYSTEM APPROVAL PAYMENT EFS solution becomes an additional payment method EFS Electronic Accounts Payable (EAP) Standard Invoice Payment Process

10 Proprietary & Confidential EFS’ Automated Payment Process $ Customer sends payment disbursement file to EFS EFS assigns Virtual MasterCard® account number, dollar amount with remittance Vendor receives and authorizes Virtual MasterCard® and settles payment EFS provides customer with an invoice file for reconciliation – Customer can pull reports and view/reconcile payments in Expense Reporting $200.00

11 Proprietary & Confidential Get more from our fuel and fleet cards Dedicated Implementation Manager Dedicated Integration Manager Supplier Onboarding EFS will contact suppliers on your behalf Letter Campaigns Phone Campaigns EFS sets up each supplier Customer endorsement is critical to success Complete end-to-end testing EFS DOES THE HEAVY LIFTING Multi-Channel Vendor Onboarding Support