ezPay smartOne Prepaid Visa Cards

Payday just got a whole lot easier!

Prepaid Visa® Cards For Your Client’s Employee Payroll and Gift Card Needs www.smartOneSolutions.com

Confidential - First National Bank of Omaha

Agenda • Who we are • Solutions Payroll Corporate Gift • Q&A

Confidential - First National Bank of Omaha

Industry Positioning • Fifth in the nation to issue a credit card - 1953 • Visa Board Member • Fifth-largest in-house credit card processor • Eleventh largest issuer of credit cards in the U.S. • One of the top three banks serving the credit card needs of other financial institutions • First National Bank was one of the first to issue PrePaid cards in 1997 Confidential - First National Bank of Omaha

One Card, Many Solutions The smartOneSM Visa Payroll Card provides a flexible and secure payment solution for a variety of employee payroll related programs.

9 9 9 9 9 9

Unbanked employees being paid by check Companies paying sales agents by check Companies paying sales incentive by check Education vertical Government vertical Insurance vertical

Confidential - First National Bank of Omaha

“Un-Banked” Facts • An estimated 12-15 million U.S. households have no banking relationship • 28% or 25 million employees have no banking relationship • The “un-banked” rely on paycheck-cashing outlets where they incur fees averaging 4-6% • It costs about $2 - $6 on average for employers to cut a paycheck in-house • Check fraud as a result of payroll is a $1.34 billion annual problem

Confidential - First National Bank of Omaha

Features & Functionality Accepted at millions of locations, the Pay Card allows recipients to buy what they want…where they want…when they want.

Cards mailed to home address Fast turnaround – typically 3-5 days

Loaded with full pay

MyAccount web access allowing cardholders to log-on and view account balance and past transactions.

Accepted at millions of merchant locations that accept Visa Debit Cards.

Accepted at over 600,000 ATMs throughout the world

Confidential - First National Bank of Omaha

24x7 bilingual cardholder service via IVR or Live Agent

Personalized with the recipients name on card

Replaceable if lost or stolen (registration information; name/ ss#/dob)

smartOne Visa Payroll Card Employer Benefits • Operational cost savings

Employee Benefits • Convenience

9 Reduced check handling costs

9

9 Reduced check fraud & stop payment costs

Pay deposited automatically into payroll card account

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No need to be present to collect paycheck

9 Reduced lost check replacement costs

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Ability to make telephone or mail order purchases

9 Reduce escheatment processing

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Ability to access 37,000 surcharge free ATM through the Allpoint Network

cost

• Productivity benefits 9 Reduce time lost to employees leaving work to cash checks 9 Reduce manager/supervisor time spent on check distribution

• Indirect benefits 9 Safer for employees than checks 9 Provide access to Visa card

Confidential - First National Bank of Omaha

• Value 9

Avoid paying check-cashing fees

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Cash-back at grocery stores and many discount chains.

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Money is safe if the card is lost or stolen. Visa’s Zero Liability

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24x7 Customer Service

• Prestige 9

Visa card empowers the cardholder

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Seen as an aspirational item

Card Designs

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Flexible Packaging & Distribution We use laser-sharp printing to customize the card carriers issued with the card. This provides enhanced ability for organizations to communicate to their employees, sales agents or distributors.

Confidential - First National Bank of Omaha

Services • Dedicated Client Service team designed to minimize merchant’s time.

• Project Management – Planning Session, Requirement Documents, Timelines, Approvals.

• In-house Graphic Artist to create card designs, update marketing templates and communication material.

• Legal/Regulatory Compliance – Patriot Act, Reg E, OFAC, State Payroll Input

Confidential - First National Bank of Omaha

Enrollment • Browser Enrollment Through Payroll • Full File Enrollment Via File Transfer • Pseudo DDA Passed Back from FNMS to Company • Payday Money on Card Enroll Payroll Card Direct Dep. Check

CMSE Pseudo bank account #, matches it with routing #

PAYROLL CARD PROCESSING PLATFORM

FNMS •Emboss card •Mail to employee

EMPLOYEE •Card is received

Confidential - First National Bank of Omaha

smartOne Web Based Solution Web based features 9 Enroll employees 9 Search for an employee 9 Update employee’s information 9 Review deposit history 9 Change password

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FNMS RDFI ACH Process

• No Changes to Your Payroll System • Direct Deposit to the Payroll Card • Employee uses card everywhere Visa Debit is accepted

Confidential - First National Bank of Omaha

• Employee uses card at any PLUS ATM • Employee has access to IVR, Live Customer Service, Internet

Pricing – Employer Fees Employee Enrollment

$0 - $3.00 based on size of employee base that will be accepting the payroll card

Web Access

$0 - $25.00 unlimited company user IDs, per month based on volume

Program Set-Up

$350.00 waived of company produces 100 checks per pay period

ACH Direct Deposit Per Item

No charge Standard ACH ODFI fee will apply

Customized Card or Card Carrier Set-Up*

$300.00 each

Batch Enrollment (per file)*

First file’s fee is waived then $50 per file there after

•Optional Services Note: Company must have 25 active cards to sign up for this program.

Confidential - First National Bank of Omaha

Pricing – Employee Fees ATM Withdrawal (Domestic)* or

1 Free per pay period of either the ATM or

Over The Counter Cash Withdrawal

OTC withdrawal

VRU Inquiry

Free

Live Customer Service Inquiry

2 Free per month

Signature-based purchases at Visa Merchants

Free

Pinned point-of-sale transactions

Free

Bill payments made with Visa card

Free

ATM Inquires

Free

ATM Declines

Free

*Some ATM owners may charge an additional surcharge or convenience fee for withdrawals. ATMs displaying the Allpoints Network or First National Bank’s sign will not charge any additional surcharge to our cardholders.

Confidential - First National Bank of Omaha

Pricing – Employee Fees Other Charges Which May Apply: Monthly Maintenance

$2.00

ATM Withdrawal - Domestic*

$1.75

Live Customer Service Call

$2.00 (after 2 free each month)

Funds Transfer

$1.75 per transfer

Over The Counter Cash Withdrawal

$3.00

Card Replacement

$10.00

Card Replacement – Express Delivery

$25.00

Negative Balance Fee

$20.00

Inactive (90 days)

$2.50

Account Closure

$25.00 closure with cash disbursed

Research Fee

$25.00

Paper Statement

$2.00

*Some ATM owners may charge an additional surcharge or convenience fee for withdrawals. ATMs displaying the Allpoints or First National Bank’s sign will not charge any additional surcharge to our cardholders.

Confidential - First National Bank of Omaha

What is a Prepaid smartOne Visa Gift Card Card?

• The Prepaid smartOne Visa Gift Card is a preloaded card that can be used at any merchant who accepts Visa Debit Cards.

• It carries a fixed cash amount that can be used at millions of locations including stores, restaurants, over the phone and even online.

• The card design can be customized to meet the merchants needs (loyalty, incentive, years of service, etc.) as well as embossed with the recipient’s name and message to match the occasion.*

*Card designs are subject to approval.

Confidential - First National Bank of Omaha

One Card, Many Solutions •

The smartOne Visa Gift Card provides a flexible and secure payment solution for a variety of employee incentive and customer loyalty programs.

Employees

Customer / Promotion

Holiday Gifts Annual Bonuses Wellness Programs Sales Incentives “Great Job” Gifts Years of Service /Anniversaries 9 Prizes and Contests 9 Safety & Service Levels

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9 9 9 9 9 9

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Rebates Thank You’s Customer Care / Apologies Seminar / Conference Attendance Door Prizes Medical Tests Resort Stays

smartOne Flexibility Infrequent Travel Relocation Disbursements Employee Spiff Programs Per Diems Vendor Payments Petty Cash

Confidential - First National Bank of Omaha

Thank You! Bobby G. Williams EZ Pay, Inc. 1-888-592-5251 www.ezpayinc.com Confidential - First National Bank of Omaha