1. www.fvfn.com Cherie Fuzzell 404-806-7244 xt 165 Card Solutions Providing Hassle Free Paydays through 100% Direct Deposit!

2. www.fvfn.com Cherie Fuzzell 404-806-7244 xt 165 Topics for Discussion 2  Characteristics of Unbanked and Underserved Populations  Unbanked Workers and Their Impact on Corporate America  Use of PayCard Programs to Address Unbanked Workers  Selecting the “Right” PayCard Partner

3. www.fvfn.com Cherie Fuzzell 404-806-7244 xt 165 Underbanked Demographics  US Unbanked Population: 9 Million Households (17 Million Adults)  US Underbanked Population: 21 Million Households (43 Million Adults)  Unbanked and Underbanked Households Nationwide: 25.6%  Percentage Employed – Unbanked: 43.7% Underbanked: 64.5%  Unbanked and Underbanked Paid via Payroll Card: 4.2%  Unbanked and Underbanked Paid by Cash or Check: 95.8%  Unbanked Households Unlikely to Open a Bank Account: 61.4% FDIC National Survey of Unbanked and Underbanked Households ■ December 2009 3

4. www.fvfn.com Cherie Fuzzell 404-806-7244 xt 165 Impact on Business Enterprises  Increased Payroll Administration Cost:  Paper payroll checks cost nearly $3 each  Replacement/exception pay checks cost an average of $12.00 each  Increased Fraud Risk:  Over 4 million payroll checks lost or stolen annually  1 in 3 employers experience check fraud  1.2 million worthless checks enter the banking system daily  20x greater error rate with checks than electronic pay American Payroll Association; NACHA; Nilson Report 4

5. www.fvfn.com Cherie Fuzzell 404-806-7244 xt 165 Impact on Business Enterprises  Increased Regulatory Burden  “Sunset” and escheatment laws  Decreased Employee Productivity  Manager time spent distributing paychecks  Employees time spent cashing paychecks  Adverse Environmental Impact  WalMart - 257,000 pounds of paper eliminated annually 5

6. www.fvfn.com Cherie Fuzzell 404-806-7244 xt 165  Increased Cost:  Pay 3%-5% for check cashing  $1,000 per year and $40,000 over a lifetime  Personal Risk:  Risk personal safety and security  Exclusion from Financial Mainstream:  Must pay bills with cash or money orders  Unable to buy a plane ticket, make a hotel reservation or rent a car  “Cash on Delivery” services being discontinued  Unable to receive pay by electronic means PAYROLL CARDS PROVIDE ACCESS TO THE FINANCIAL MAINSTREAM! Brookings Institution Impact on Employees 6

7. www.fvfn.com Cherie Fuzzell 404-806-7244 xt 165 Payroll Card Basics  Available to ALL Employees  Called Payroll Cards, PayCards, Prepaid Debit Cards, Stored Value Cards  Secure FDIC Insured Account for the Electronic Deposit of Payroll Funds  Integrates Seamlessly into Any Existing Payroll Solution  Employers Fund Through Normal ACH Direct Deposit Process  Eliminates Employer Responsibility for Unclaimed Wages  Portable Bank Account Alternative for Unbanked Employees 7

8. www.fvfn.com Cherie Fuzzell 404-806-7244 xt 165 Payroll Card Features  Instant Issue Card Fulfillment  Integrated Employee Enrollment Process  Paperless PayStub Delivery  Bi-Lingual Marketing and Collateral Materials  Bi-Lingual Online Banking and Customer Service  SMS Balance Alerts  Full Bank Account Alternative at Nominal Cost 8

9. www.fvfn.com Cherie Fuzzell 404-806-7244 xt 165 Selecting a Payroll Card Partner Considerations  Issuing Bank/Processor  Data Security  Program Design  Cost  Integration/Ease of Use 9

10. www.fvfn.com Cherie Fuzzell 404-806-7244 xt 165 Questions?? 10

11. www.fvfn.com Cherie Fuzzell 404-806-7244 xt 165 Espree® Card Solutions Cherie Fuzzell President & CEO 1899 Powers Ferry Road Suite 310 Atlanta, GA 30339 W: (404) 806-7244 cfuzzell@fvfn.com Please call to learn more about the Espree PayCard Solutions. www.fvfn.com Thank You! 11