1. Overcoming the Challenges of Payroll with Maritime Payroll Cards Helen Child of Brightwell Payments 11 October 2012

2. 2 Proprietary & Confidential Using an onboard cash-based process is costly and time consuming. Payment by cash incurs: Security risks – safeguarding cash against fraud & theft Logistical plans and transportation of currency to various ports Insurance costs Administrative overhead Regulatory compliance issues General inconvenience of financial management for crew Challenges of Maritime Payroll

3. 3 Proprietary & Confidential The Solution Improving crew welfare with more than just 5 grammes of plastic…

4. 4 Proprietary & Confidential Reduces cost of cash & the management of cash Minimizes security risks through decreased onboard cash reserves Achieves positive bottom line returns through process improvement & automation Improved efficiencies deliver: Streamlined payroll process Reduced payroll cost Compliance with maritime regulations Combines the convenience of cash with the flexibility of plastic Improves crew welfare Reduces crew attrition rates Benefits to Maritime Companies CUT COSTS. SAVE TIME. INCREASE SECURITY.

5. 5 Proprietary & Confidential Manage finances while onboard Global acceptance by Visa or MasterCard Immediate access to funds in multiple currencies Wire transfers whilst onboard Convenient way to manage finances: Companion card for family Email alerts 24/7 cardholder support Shop online Online account access SAVE MONEY. SAVE TIME. PROTECT YOUR PAY. Benefits to Crew OceanPay is secure, unlike your pockets.

6. 6 Proprietary & Confidential Cardholder Experience What to Look For SOLUTIONS FROM BEST-OF-BREED PROVIDERS COMPANION CARDS Provide for family member at home Linked to crewmember’s account Access to money without expense of wire INTEGRATED SATELLITE COMMUNICATION Partner with satellite communication companies Provide crewmembers free Internet access Allow crew to manage their accounts onboard

7. 7 Proprietary & Confidential Proprietary and Confidential US based specialist in paying International crew by cards, OceanPay ® Regulated by US financial regulators, including the OCC and FinCEN, and by the Gibraltar Financial Services Commission Leading maritime paycard programme manager with strategic MasterCard & Visa relationships Cardholder funding held by the Schemes & NEVER held in a Brightwell-owned bank account and NEVER appear on Brightwell’s balance sheet Payroll cards will radically improve your crews’ lifestyle and improve your bottom line Expertise derived from 150 ships and over 30,0000 crew WHO WE ARE & WHAT WE DO Brightwell Payments

8. 8 Proprietary & Confidential We Listen Our constant quest for continual improvement drives change and fosters an environment where feedback is encourage and reviewed.

9. 9 Proprietary & Confidential Helen of Brightwell Payments NAVIGATE YOUR WAY WITH OCEANPAY