1. InComm Digital Gateway
Extending your reach…

2. InComm Digital Solutions
Intelligent platform offer
Vast inventory assortment
Broad distribution client offers
Simple consumer consumption

3. INDUSTRY IS EMBRACING DIGITAL
Digital Gifting Gaining Marketshare:
Virtual cards represents 57% of a $126B market in 2016 or $71.8B
One-third of consumers spent between $50 and $200 total on gift cards purchased online in 2011
70% of consumers prefer convenience of eGift card over plastic
Over 200M people have a tablet or smartphone device
59 of the top 100 retailers offer a virtual gift card in – many via social channels
25% higher load values on e-gift cards
12 people are involved in every group gift on average – attract new customers
Average price of a group gift is nearly $300! Sell more of your highest priced items
Facebook is not going anywhere soon
845 million Monthly active users as of December 31, 2011
That is 7 new users per second in 2011
483 million Daily active users December 2011
100 billion friend connections on Facebook in 2011
2.7 billion likes and comments per day during the 3 months ending December 31, 2011
FB is a good acquisition tool – 53% of users have reached a retailers website from it’s Facebook page
35% of online shoppers said they would be likely to make a purchase through Facebook
79% of the internet Retail Top 500 retailers have Facebook pages
Only 12% offer apps or widgets that enable ecommerce transactions
Source: comScore , National Retail Federation,
The e-tailing group, Mercator, in-Stat, Cash Star & InComm GroupCard

4. INCOMM’S DIGITAL PROPOSITION
Extending in-store mall to online mall
Broadest portfolio of leading brands with digital channels, supporting multiple currencies
Since 1992 InComm has pioneered prepaid market technology – masters of emerging products
Large scale, existing business allowing sustainability & launch of new products with minimal effort
Turnkey on boarding minimizing overhead, IT and operational resources; enabling a six (6) week integration timeline
Providing instant inventory associated with digital transactions for B2B & B2C
Leveraging your InComm configuration streamlines sales, reporting, reconciliation, etc.

5. DIGITAL COMPLIMENTS PHYSICAL DISTRIBUTION
One integration enables 3 digital sales channels
(1)
E-Cards via your web site; First party (Zynga.com):
B2B Distribution
Individual & group gifting
Deliver to or mobile
One integration
Mobile and Desktop
Open access to
digital inventory;
Product
Payment
Promo codes
(2)
E-Cards via Social Nets
App on your Facebook fan page
Individual & group gifting
Deliver to Facebook, or mobile
(3)
E-Cards via 3rd Party Merchant .com Sites
Walmart.com, Amex.com,
Best Buy.com, etc.
Digital Code Promotions
Online and/or ‘in store’ delivery

6. DIGITAL B2B
The Digital program enables merchants and product providers the capabilities to grow their own pre-paid business in the B2B Incentive space
What is the Program?
Adding value to your current physical consumer gift card program by delivering barcodes for recipients to print for in-store redemption as well as active PIN codes via secure to your B2B customers
Uses existing InComm, merchant and partner infrastructure for new gift card distribution opportunities allowing InComm to expand your B2B GC program
Why Launch the Program?
Extend your competitive reach into the B2B space with additional product offerings.
Leverage the existing infrastructure and strength of InComm’s 20+ years experience
Grow your organizations B2B program with innovative products and capabilities

7. E-CARDS VIA YOUR WEBSITE
InComm apps enable single or group purchases via partner or InComm hosted interfaces and shopping carts
Digital Gifting from your site (First and Third Party):
Works via an “I-frame” inside retail branded website or Facebook
Offers unlimited design covers
Upload personal photo for personal gift card design
Specific Amount or variable Denomination supported
Send a gift card to a
friend that everybody can contribute to and add a personal message
I-frame enables portal shopping cart to complete consumer transaction on Partner’s website.

8. E-CARDS VIA FACEBOOK FAN PAGE
Value of an individual gift can mushroom via Facebook or invitations
to Contribute
Digital Gifting from your Facebook fan page:
Works outside of Facebook therefore participants do not need to be Facebook users
Unlimited design covers
Specific amount or variable denomination support
Send a gift card to a friend that everyone can contribute to and add a personal message
Facebook Stream Post

9. Consumers buy virtual product online; receive emailed digital PINs
E-CARDS VIA 3RD PARTY MERCHANT.COM
Consumers buy virtual product online; receive ed digital PINs
Merchant Need;
.com Commerce
Increase reach;
Drive Usage
Value add & stickiness;
Marketing
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

10. EXTENDING YOUR PROGRAM TO ONLINE
The program enables merchants with existing e-commerce capabilities to rapidly scale their .com pre-paid business
What is the Program?
Migrating from physical card fulfillment to delivering
activated PIN codes via secure
Uses existing InComm merchant and partner infrastructure
for settlement
Post-tender model that leverages merchant shopping cart –
InComm acts as “virtuall fulfillment” DC
Why Launch the Program?
Reach new customers, drive repeat traffic to merchant Web sites
with superior customer experience
Provides ability to scale assortment of pre-paid on-line
Favorable economics
Demonstrated significant lift in sales-over 600X with one merchant

11. VIRTUAL FULFILLMENT OVERVIEW
The process is designed to enable the merchant to own the customer experience – with InComm acting as the virtual fulfillment engine
Merchant sends InComm Fulfillment Request
InComm retrieves and activates PIN
InComm sends with PIN and redemption instructions
Customer orders on merchant site
Uses existing shopping cart
Merchant owns experience
Merchant manages tender
Can be real-time or batch
Flexible model for receiving
requests
Fulfillment request includes
customer’s
Using existing platforms
PINs activated in real-time
Delivery is “instant”
Message is branded per merchant
requirements
Tools to manage delivery
confirmation, reporting, etc.

12. Example of Customer E-Mails
COMPLETE BRAND CONTROL
The customer communication – complete with PIN and instructions – can be customized based on merchant and partner requirements
Example of Customer s

13. Select Insights from US Launches
20 YEARS OF TECHNOLOGY INNOVATION
Our experience to date has provided valuable insights that would translate to your program
Select Insights from US Launches
How to merchandize virtual pre-paid products
What fraud rules should be deployed
How to tailor customer support rules/tools
What marketing programs/tools can support program
How to work with merchants to set-up and manage
program
How to engage and win approval of key partners (e.g.,
Apple, MSFT)

14. MERCHANT.COM PROMOTIONS / ONLINE TO OFFLINE
Digital Delivery of “Single Use” promo codes*
Models Supported
Single Use Unique Code distributed upon condition and redeemed based on business logic
Promos linked to consumer loyalty accounts
Return / Redeem content /codes in- store with unique account, supporting adjudication riding existing merchant integration
Example: Netflix Value Tied to DVD or TV Purchase
Best Buy creates non-unique promotional SKUs
InComm builds set of unique IDs with SKU(s) embedded (e.g., 10K/SKU)
BBY distributes codes to targeted audience
Customer brings in scanable format (printout; mobile rendering)
InComm activates product, triggering application of promo SKU at POS
Code moved to consumed status – can’t be used again
Settlement and reporting (InComm receives trx fee)
Process will vary by merchant; and can support 3rd party ‘deals’, or vendor/CPG offers
*Merchant must be configured to support InComm POS Activation

15. INCOMM’S DIGITAL CLIENTS

16. DIGITAL LAUNCH SUMMARY & TIMELINE
Contract & Product ops setup
Submit configuration worksheet
Launch
6 weeks
Minimal IT resources for App launch
Product operations leverage your existing InComm configuration
InComm assumes all credit card transaction fraud risk
You have approval over new channels / partners
InComm can expand sales of your product through multiple digital channels

17. Appendix A: Screen Shots & Demo Sites

18. FACEBOOK DIGITAL GIFTINGor stream
H&M’s Gifting Bounce Page
Creation of a gift card within Facebook

19. FACEBOOK CHECKOUT PROCESS
Checkout process within Facebook:
Cart view allows creator:
To view multiple cards
Enter Promo Code
Delete card orders due to error
User intuitive checkout provides optional tender of PayPal or any major credit card
InComm assumes all risk associated with Credit Card transaction
Including all transaction fees and chargeback's

20. GROUP GIFTING / INVITE FRIENDS TO PITCH IN
Group gifting is viral:
Group gift cards = 3X load value of Individual gift cards:
Opportunity to invite others to contribute to gift card to create group gifting
Contribution invite can be delivered via:
Message on Facebook
Wall Post
Twitter

21. Email templates and redemption gift cards are 100% partner branded
Your brand, your way
templates and redemption gift cards are 100% partner branded
Invite friends to contribute
Wall Posting – claim your gift
Gift card

22. Gift Notification Sent Via Facebook & Email
Facebook Wall Post
notification – claim your gift

23. InComm Gifting Application Resources
Digital Delivery Live & Demo Sites:
Zynga Live Website:
Walmart.com Live Website:  
H&M Demo Application:
This is just the beginning… We’re truly eager to partner with you for your digital gifting solutions.