1. S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A LS T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L 0 S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A LS T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L May 2011 SmartPay® 2 J.P. Morgan / DHS Travel Presentation

2. S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A LS T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L 1 Status Reason and Status Change  Addition of unique status reasons for each type of account to distinguish between different types of closed and blocked accounts  Includes status reason to filter between accounts marked lost/stolen with suspected fraud vs. those without suspected fraud  Bank Initiated vs. User Initiated Status Reasons  New field called “Status Change Date” to allow for easy identification of recently closed and lost/stolen accounts  Field will be added to the Account screens, Cardholder Profile report and Advanced Query screen

3. S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A LS T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L 2 New Status Change Date Field

4. S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A LS T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L 3 New Status Change Date Field on Cardholder Profile Report

5. S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A LS T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L 4 New Status Change Date Field – Query on Cardholder Profile Report or under Accounts / Query

6. S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A LS T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L 5 New Alert Feature with 7.0 Enhancement  Ability to setup customized language or choose from the default email template  Configuration to ensure email recipients cannot suppress the alert  Alert setup by user role, hierarchy level, hierarchy ID as well as ability to include children  Supported alerts include:  Transaction Exceeds Single Purchase Limit – Daily, Weekly, Monthly options  Split Purchase – Daily, Weekly, Monthly options  Transaction Decline – Daily, Weekly, Monthly options  Delinquency – Customize the number of days delinquent  Approaching Credit Limit – Customize the percentage setting  Inactive Account – Customize the number of days of inactivity  Payments Submitted  Recurring Payments Success

7. S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A LS T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L 6 Alerts

8. S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A LS T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L 7 Alert Type Options

9. S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A LS T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L 8 Approaching Credit Limit Alert Setup

10. S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A LS T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L 9 Delinquent Account Alert Setup

11. S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A LS T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L 10 Inactive Account Alert Setup

12. S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A LS T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L 11 Payments Submitted Alert Setup

13. S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A LS T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L 12 Recurring Payments Success Alert Setup

14. S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A LS T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L 13 Transaction Decline Alert Setup