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2 Outline I.The Money Network Vision II.Why Paycards Now? III.Our Value Proposition – Employers / Employees IV.Concord & Money Network Overview V.The Money Network Solution VI.Pay Card Training VII.New and Future Features VIII.Features & Benefits Summary VIII. Questions and Next Step

3 “To be the number one payroll card issuer in the industry by enabling paperless pay for employers while providing employees a safe, convenient and cost-effective alternative to receiving paper checks” The Money Network Vision

4 Why Pay Cards Now? Nationwide 9.5% of Families non-banked. –Working Poor –Higher percentage of minorities –Below the age of 25 or above 55 This percentage has not changed over the last 5 years. Last link to complete electronic payments.

5 Our Value Proposition Reduce costs associated with payroll  production, distribution, fraud, other Maximize direct deposit participation Meet State escheatment requirements. Flexibility via Paycard options Stored value, Visa or Star Low cost solution through vertical integration Dedicated resources to focus on education and implementation

6 Our Value Proposition Convenience –easy access, no more standing in lines Safety - not required to carry cash - FDIC Insurance Can provide no-NSF solution Enable low cost bill payment tool via the Transcheck Pride in owning a financial instrument Improve money management capabilities Education of the cardholder on PIN-secured debit as a low-cost method to access cash

7 Money Network Paycard History Developed by Concord for the Transportation industry. First Paycard System- developed and implemented in Money Network has refined the platform for use in other industries.

8 Payroll Card Clients RPM PIZZA RGT Foods HANNONS KFC

9 AGENT BANKS

10 Why Choose Money Network Only Money Network can enable 100% elimination of checks, How? –Transcheck- Employees are able to access their pay when they misplace their card, without employer involvement. –Internet Funding- Off cycle or final pay can be made to the card using internet funding. –Instant Issue- Allow the card to be the default, instead of a payroll check. Transcheck allows 100% Access to Full Pay –Employees are able to access their pay to the penny.

11 Pay Card Environment Two Types of Pay Card Platforms –Visa or Star Branded Demographics of Employee Base Determines best Choice. Money Network prefers to act as a consultant to develop the best paycard option for each employer.

12 Or Issues to consider: Employee demographics Mandate or elective Instant issue NSF’s Availability of funds (Settlement) Accepted Locations (Internet Purchasing) Brand Recognition The Only VISA with a Transcheck Option

13 Enrollment Electronic enrollment via simple data extract, web utility or spreadsheet Can instantly issue cards & Transchecks Collect basic employee information IVR access code is last 4 digits of the card Employee may change PIN as desired

14 Account Loading Standard direct deposit --No additional systems needed Real time funding --Internet based tools --Instant funds transfer --Off cycle adjustments

15 Funds Accessibility 4 Methods ATM % acceptance --National surcharge free network Transcheck --Paper negotiable document ACH Transfer --To hometown bank accounts PIN-Secured Debit % acceptance --Use at Retailers for purchase with Cash back --May be used at the US Post Office for 100% Access via Money Orders --Broadest footprint for acceptance

16 Pay Card Training Customized Implementation Reflect goals specific to your organization Training & enrollment aids –Video –Pictograms –Posters –Quick Reference Sleeves Rollout scheduling Communication to management

17 Pay Card Training Employee Training Focus –Reason for change –Benefits to employee Convenience Dependability Safety No NSF fees (Star Only) –How do I use my pay card –Special emphasis on POS purchases with “cash back” as the most efficient way to use the card

18 Newest Offerings and Future Development Money Network can provide electronic pay stub delivery to eliminate all paper. Money Network will enable access at Coinstar Machines, when the technology is available.

19 Features & Benefits Summary Only Vertically integrated solutions24/7 bilingual customer support Individual or Stored-Value accountExtensive national coverage of surcharge free ATMs Debit branded or Visa branded solution100% focus on Paycard solutions Instant card issue/activationTraining and implementation tools and resources Transcheck for access to 100% net pay (Only Visa Solution with a Transcheck option.) Non-solicitation of employees for other services or products Guaranteed acceptance of employeesInternet and IVR Access for Cardholders at no cost.

20 THANK YOU Q & A Tal Clark Director of Sales, Food Service Office Cell

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