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OutlineI. The Money Network Vision

II. Why Paycards Now?

III. Our Value Proposition – Employers / Employees

IV. Concord & Money Network Overview

V. The Money Network Solution

VI. Pay Card Training

VII.New and Future Features

VIII.Features & Benefits Summary

VIII. Questions and Next Step

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“To be the number one payroll card issuer in the industry by enabling paperless pay for employers while providing employees a safe, convenient and cost-effective alternative to receiving paper checks”

The Money Network Vision

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Why Pay Cards Now?

• Nationwide 9.5% of Families non-banked.– Working Poor– Higher percentage of minorities– Below the age of 25 or above 55

• This percentage has not changed over the last 5 years.

• Last link to complete electronic payments.

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Our Value Proposition Reduce costs associated with payroll

production, distribution, fraud, other

Maximize direct deposit participation

Meet State escheatment requirements.

Flexibility via Paycard options• Stored value, Visa or Star

Low cost solution through vertical integration

Dedicated resources to focus on education and implementation

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Our Value Proposition• Convenience

– easy access, no more standing in lines

• Safety - not required to carry cash - FDIC Insurance

• Can provide no-NSF solution

• Enable low cost bill payment tool via the Transcheck

• Pride in owning a financial instrument

• Improve money management capabilities

• Education of the cardholder on PIN-secured debit as a low-cost method to access cash

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Payroll Card Clients

                                                                                                      

RPM PIZZA

RGT Foods

HANNONS KFC

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AGENT BANKS

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Why Choose Money Network• Only Money Network can enable 100% elimination

of checks, How?– Transcheck- Employees are able to access their pay

when they misplace their card, without employer involvement.

– Internet Funding- Off cycle or final pay can be made to the card using internet funding.

– Instant Issue- Allow the card to be the default, instead of a payroll check.

• Transcheck allows 100% Access to Full Pay– Employees are able to access their pay to the penny.

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Pay Card Environment

• Two Types of Pay Card Platforms– Visa or Star Branded

• Demographics of Employee Base Determines best Choice.

• Money Network prefers to act as a consultant to develop the best paycard option for each employer.

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Or• Issues to consider:

• Employee demographics

• Mandate or elective

• Instant issue

• NSF’s

• Availability of funds (Settlement)

• Accepted Locations (Internet Purchasing)

• Brand Recognition

• The Only VISA with a Transcheck Option

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Enrollment• Electronic enrollment via simple data extract, web utility

or spreadsheet

• Can instantly issue cards & Transchecks

• Collect basic employee information

• IVR access code is last 4 digits of the card

• Employee may change PIN as desired

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Account Loading

• Standard direct deposit--No additional systems needed

• Real time funding--Internet based tools

--Instant funds transfer

--Off cycle adjustments

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Funds Accessibility4 Methods• ATM

--99.9% acceptance--National surcharge free network

• Transcheck--Paper negotiable document

• ACH Transfer--To hometown bank accounts

• PIN-Secured Debit--99.9% acceptance--Use at Retailers for purchase with Cash back--May be used at the US Post Office for 100% Access via Money Orders--Broadest footprint for acceptance

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Pay Card Training• Customized Implementation• Reflect goals specific to your organization • Training & enrollment aids

– Video – Pictograms– Posters– Quick Reference Sleeves

• Rollout scheduling• Communication to management

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Pay Card Training• Employee Training Focus

– Reason for change

– Benefits to employee• Convenience

• Dependability

• Safety

• No NSF fees (Star Only)

– How do I use my pay card

– Special emphasis on POS purchases with “cash back” as the most efficient way to use the card

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Newest Offerings and Future Development

• Money Network can provide electronic pay stub delivery to eliminate all paper.

• Money Network will enable access at Coinstar Machines, when the technology is available.

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Features & Benefits SummaryOnly Vertically integrated solutions 24/7 bilingual customer support

Individual or Stored-Value account Extensive national coverage of surcharge free ATMs

Debit branded or Visa branded solution 100% focus on Paycard solutions

Instant card issue/activation Training and implementation tools and resources

Transcheck for access to 100% net pay (Only Visa Solution with a Transcheck option.)

Non-solicitation of employees for other services or products

Guaranteed acceptance of employees Internet and IVR Access for Cardholders at no cost.

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THANK YOUQ & A

Tal Clark

Director of Sales, Food Service

901.381.5458 Office

901.277.9145 Cell

tal.clark@moneynetwork.com

www.moneynetwork.com

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