1. Innovative Commerce InComm Digital Solutions
Presenter, Presenter Title | | |

2. InComm Overview Website Commerce Retail Store Commerce Mobile Commerce
Consumer
Purchases

3. Digital commerce is growing
Projected $114B increase in sales through digital channels over next 4 years
$279B
$197B
$25B
Digital is where the market is going, if your not onboard, you’ll get left behind.
$14B
$6B
2011
2015
$1B
2015
2011
2011
2015
US E-Commerce
Spend
US Mobile Commerce
Spend
US Social Media
Commerce Spend*
*Excludes spend on Social Gaming
Source: Forrester, Booz & Co

4. InComm offers five turnkey digital delivery options
Connect with your Consumer….
E-Delivery
Via your site
Virtual delivery of your branded cards on your site
Via Facebook
Viral approach of single and group gifting for your brand
Via Mobile
Create or enhance your Mobile application; customized for your brand
Via 3rd party .com
Portfolio of third-party brands on merchant sites
For B2B
Business-to-business sales and loyalty options for your brand

5. Digital prepaid cards and digital commerce – a perfect fit
59 of the top 100 retailers
offer a virtual gift card in 2011
Up from 40 in 2010
70% of consumers prefer convenience of E-Cards over plastic
93% of E-Gift card purchasers would recommend the service to a friend
40% the most powerful 100 online retailers do not offer gift cards today
Source: Comscore, NRF, The e-tailing group, Mercator

6. E-Delivery of your brand’s cards from your site
Digital Gifting from your site (1st Party)
Flexible Shopping Cart Models: We own the Cart or you own the Cart
Gift Cards Delivered via , Facebook, physical or mobile
Group Gifting = Bigger load values ($300 avg. load)
Offers unlimited card faces & optional upload of personal photo
Fixed or open denominations
Example:
VIRTUAL Connect: virtual delivery of your branded cards on your site
VIRTUAL Connect allows content partners the ability to deliver digital cards/PINS as part of product inventory integrated into their own website. Depending on the delivery mechanism, customers have the ability to send and receive prepaid cards via , mobile devices or as a gift on Facebook and can also enable consumers to stage transactions online for cash-payment completion in store.
Features/Benefits:
Individual & group gifting
Deliver to or mobile
Digital Code Promotions
No physical product necessary
Ideal for web-based companies
Puts your product virtually at any participating retailer
No credit/debit card required for under banked consumers

7. E-Delivery via 3rd party .com sites
3rd Party brands on a merchant website
Digital Gifting via 3rd party .com
Extend thru new virtual distribution channels
Exclusive partnerships with the world’s top websites
InComm pulls gift card codes real time from your processor
InComm provides virtual fulfillment for 3rd party .com sites
Walmart provides InComm cred. (good image)
InComm can also host the shopping cart (via i-frame) – assuming credit card transaction and fraud (kount)
Supports Physical or Digital delivery of pins
Customer orders on merchant.com site using current shopping cart
Merchant.com owns the consumer experience and fraud rules
Merchant.com sends post order fulfillment message to InComm
Merchant leverages existing integration ‘real time’ order calls
InComm sends Ecard/Pin and redemption instructions to consumer address

8. Digital prepaid cards and social commerce – poised to explode
845 million Monthly active users as of December 31, 2011
12 people are involved in every group gift on average - attract new customers to your store
Facebook added more than 7 new users per second in 2011
53% of Facebook users have reached a retailer’s website from its Facebook page
Virtual cards are projected to represent 57% of a $126B prepaid card market in 2016
Nearly 1 in every 5 minutes spent online around the world is now spent on social networking sites
Every virtual gift card is broadcasted socially via Facebook
Source: Comscore, NRF, The e-tailing group, Mercator, in-stat, InComm GroupCard

9. E-Delivery via Facebook:
Single and group gifting
Digital Gifting via Facebook
Capture the power of social media to expand your brand presence
InComm owns the cart, payment & fraud
E-Cards delivered via e- mail, Facebook, physical or mobile
Group Gifting = Bigger load values ($300 avg. load)
Unlimited card faces , fixed and open denoms.
SOCIAL Connect: Social platform and group gifting for your brand SOCIAL Connect captures the momentum of social media to extend partners' online presence. This platform is closely integrated with Facebook, enabling individual and group gifting via invitations to a network of friends to contribute towards a single gift. The solution supports and SMS delivery and can also work as a stand-alone offering accessed from partner websites.
Benefits:
Individual & group gifting
Deliver to Facebook, or mobile
App on your Facebook fan page
The average price of a group gift is nearly $300! - sell more of your highest priced items
12 people are involved in every group gift on average - attract new customers to your store
Value of an individual can mushroom into a larger gift via fb, twitter and ! Social-Viral gifting phenom.
Example: H & M
Example: Bath & Body Works

10. Group Gifting: Extending your brand; increasing impressions
-cont-
Group Gifting: Extending your brand; increasing impressions
Options to invite others to contribute to a gift
Digital Gifting from your Facebook Fan Page
Single or group gifting via InComm hosted interface and shopping cart
Delivered via , Facebook or mobile SMS
Works outside of Facebook; therefore, participants do not need to be Facebook
Unlimited design covers & personal photo upload (optional)
Supports fixed or open denominations
Online Admin Tools enable Partner to track orders, review status, re-deliver & refund

11. Digital prepaid cards and mobile commerce – it’s happening now
Mobile commerce is projected to be a staggering
31 Billion by 2016
Mobile app download are expected to reach 98 Billion by 2015
The average person has their mobile phone within reach 14 hours a day
When given a chance 61% of consumers choose a virtual gift card over a physical card
Nearly 70%
of US adults will by smartphones by 2015
Up from 50% today
On average, Americans spend 2.7 hours per day socializing on their mobile device
Source: Comscore, The e-tailing group, in-stat, NRF

12. Card Gifting & Group Gifting
E-Delivery via Mobile
A mobile payment solution for your brand, brought in partnership with CorFire
Store Information
GPS store locator, addresses, hours, etc.
Deals
Offer coupons, promotions, SMS/MMS texting
Rewards
Build or enhance existing loyalty program
My Cards
Pay with your brand gift card and/or other network (Visa, Amex, etc.) cards
Card Store
Purchase your brand gift card and other digital card inventory.
Card Gifting & Group Gifting
Delivery via , mobile and Facebook

13. Individual Fulfillment Digital Delivery Program Management
E-Delivery for B2B
Business-to-business options for your brand
Bulk Fulfillment
Individual Fulfillment
Digital Delivery
Program Management
Permissions based online portal
InComm sits in between incentive partners (distributors) and providers (gift card partners).
We have plastic or digital delivery capabilities in bulk or individual fulfillment – open loop and closed loop products – fully customized B2B capabilities.
Incentive Partners:
Loyalty Programs
Capital One Rewards
Choice Hotels
Consumer Promotions
Time Warner Cable
DirectTV
Employee Incentives
Optum Health
Content Providers and/or Retail Partners:
Retail Gift Cards
Digital Content
Open Loop Cards

14. Partner Offers to drive redemption
InComm innovation for today, tomorrow and beyond…..
Digital Gifts to Open
Partner Offers to drive redemption
Animated Gift Opening

15. The InComm Advantage:
Leveraging our unique infrastructure to deliver multi-channel digital solutions for our partners
RISK FREE DIGITAL SOLUTION – No setup costs, commission based model for e-cards sold. Easy integration (1-6 weeks), InComm develops for you!
Stable & Proven Partner– with revenues of over $15B annually, our industry expertise enables us to deliver digital solutions with little to no investment from our Partners
The ONLY TRUE MULTI-FACETED platform that supports digital sales through e-commerce sites mobile applications and social networks …solving your digital needs today & tomorrow
InComm features group gifting which provides additional brand impressions as well as larger load values ($300 avg. load)
Recently InComm purchased Adility; digital couponing + InComm’s digital gifting = marketing promotions on steroids…
…and allow multiple transaction solutions, integrating to your shopping cart or InComm can act as the Merchant or Record (MOR)
Supplementing your EXISTING InComm configuration streamlines sales, reporting, reconciliation

16. InComm Digital Advantages
Area
InComm
Competition
Comments
Established, financially secure company
InComm has strong balance sheet
20+ years experience in the prepaid space,
Extensive existing relationships with major product partners
True multi-channel platform
InComm supports stores, e-comm, mobile, social, B2B & 3rd party .com, digital couponing
Competitive platforms limited
Flexible cart solutions
InComm model enables you to own tender
Or, InComm can own tender & fraud
In-market multi-product digital sales
We support iTunes, wireless, gaming, gift cards for hundreds of Product Partners,
Competition cannot support full product
assortment
Awarded digital gateway distributor for Walmart & Best Buy (Two of the largest sites in the world) and launching others this year!
Feature / Functionality
Personalized messages, photos & video
Delivery: , Facebook, Mobile & Physical
Single or group gifting (direct integration into FB, enables social triggers prompting e-gifting)
Groupgifting mushrooms the value of the gift
Groupgifting increases brand awareness & impressions (12 people on avg. contribute)

17. InComm Gifting Application Resources
Digital Delivery Live & Demo Sites:
Zynga Live Website:
Walmart.com Live Website:  
H&M Demo Application:
Jennifer Adcock
InComm Digital
Sr. Director, Business Development
(918) (office) (918) (mobile)
Jennifer Berger
Business Development Manager
(816)

18. InComm Digital Clients