2. Your staff spends too much of their day answering the phone and listening and responding to voicemails. Industry Challenges In just 3 years, mail- in payments have dropped by 2.5 billion Customers prefer automated & self- service applications by 55% By 2020, 85% of your customer relationships will take place without them interacting with your live agents. 58% of consumers have stopped the payment process due to security concerns 56% of consumers expect a variety of payment options Convenience is a top factor for customers in making payments faster

3. An automated virtual terminal that enables your organization to accept electronic payments over the phone at any time. Transactions are completed quickly & easily without intervention from a live agent. Your Solution: Pay-by-Phone 1 | Customers enter account # to receive balance info 2 | Customers enter payment amount & credit card info 3 | Identity verification takes placed 4 | Payment reviewed & credit card is verified 5 | Payment processed & confirmation # given *Please note: this example uses a credit card as the form of payment. E-checks are also accepted.

4. Pay-by-Phone Visualization FOR A LIVE DEMO Call | 716-775-6470 Account Number | 1111111111 Credit Card | 4111-1111-1111-1111 Expiration | 11/15 CVV | 123 Zip Code | Any 5 Digits

5. Features & Benefits Accessible 24/7 with one phone call for ultimate convenience Gives customer their account info so they know exactly what their balance is Multi-lingual to accommodate any non-English speaking customers Accepts all major credit cards & e-checks for your customers’ convenience Immediately updates customer accounts to show an updated balance Completes a credit card validation to ensure payment is legitimate PCI compliant to guarantee secure transactions

6. Reporting Our custom reporting shows you who has made a payment, the time it was made, the form of payment, the confirmation numbers, transaction results & more. Results are sent according to your preference: nightly via e-mail or delivered in real time.

7. Convenience Fees Convenience fees can be added to transaction total or sent as a separate transaction FOR EXAMPLE A $100.00 transaction with $2.00 fee could be processed one of two ways OPTION 1 One total transaction of $102.00 OPTION 2 First transaction of $100.00 Second transaction of $2.00

8. THANK YOU FOR YOU TIME We get it. You spend way more than 40 hours a week thinking strategically about your business. You need a break from thinking about work. We’re thankful you dedicated this portion of your day to us and we hope to work with you. For more information: www.bluetone.net | 585-310-5135 larry.digiovanni@bluetone.net