MCP's MOBILE SUITE. Push (MT) Messaging Delivers personalized alerts, service information or marketing messages to customers via SMS text.

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1 MCP Mobile Solutions Why Mobile is a "Must-Have" 87% Percentage of the world population that have a mobile phone (Ericsson) 47% In today's mobile-connected world, consumers are increasingly utilizing mobile devices to manage their finances and conduct transactions. A mobile strategy that incorporates a range of account access options everything from simple text alerts to fully branded apps with integrated loyalty features provides maximum choice to your customers. It also allows you to optimize opportunities for customer engagement while reducing servicing costs and potential fraud. The MCP processing platform includes a suite of fully integrated mobile solutions. Whether your customers use feature phones or the latest smart phones, MCP offers mobile options that fit with your customers' lifestyle and meet their unique needs. As a turnkey solution, MCP provides you with the capabilities necessary to execute on your mobile strategy quickly and cost effectively. MCP's MOBILE SUITE Annual growth in global smartphone sales (Canalys ) 58% Push (MT) Messaging Delivers personalized alerts, service information or marketing messages to customers via SMS text. Pull (MO) Messaging Allows customers to receive account information via SMS text at anytime by texting specific keywords to your dedicated short or long code. Percentage of consumers who will transfer money into their account after receiving a low balance alert (Board of Governors of the Federal Reserve Systems 2012) USSD Applications Secure session-based communications with near-instant message delivery. Mobile Web Provides a mobile-optimized experience for customers using the web to access their accounts The year when mobile will outpace desktop web usage (Gartner 2011) Mobile Apps Provides smartphone users with a view into account activity and a way to perform account transactions while on-the-go. Mobile Payment & Wallet Allows customers to use their smart phones for payments at the point of sale.

2 MCP Mobile Solutions SERVICE DESCRIPTION COVERAGE MCP MOBILE CAPABILITIES GRID Push (MT) Messaging Pull (MO) Messaging USSD Applications Mobile Web Mobile Apps Mobile Payment & Wallet Real-time, pre-formatted or customizable text alerts related to account activity, special announcements & marketing. Texts are pushed to customers based on your requirements. Customers pull account information or initiate transactions by texting commands to your short code or long code. The requested information is sent back to customers via text message. Secure request/response communication between server and the handset. Allows consumers to initiate information requests or transactions. Customer-facing website optimized for use on a mobile device. Account access & transaction application designed for smart phones. Ability to use a smart phone instead of a plastic card to make purchases & redeem offers. Feature phones Smartphones Feature phones Smartphones Feature phones Smartphones Smartphones Smartphones SMS text-based Multi-lingual Collection of personalized messages for common account Option to create your own messages No transactional capabilities Carrier look-up SMS text-based Carrier independent Customer initiated through text commands (i.e., BAL to receive the account balance) Enroll in messaging and designate preferred language by texting Customizable message responses Predictive capabilities using command aliases Basic transactional capabilities including account transfers & bill payment Utilizes Unstructured Supplementary Services Data (USSD) Secure communication Near instant message delivery Messages are not stored in intermediary locations Compressed view of desktop website Quick browsing speeds Full account access & transactional capabilities Inherits your program settings Customizable branding Device & carrier independent ios & Android Distribute through itunes, Google Play or your own method Branded icon on customer's smart phone display Fastest browsing speeds Full account access & transactional capabilities including remote check deposit Integrated load center finder, rewards and offers ios & Android Supports stored value account Link additional payment & loyalty cards Support for bar codes, NFC and key entry Integrated rewards and offers Customizable front-end or access through a robust API

3 Push (MT) Messaging PUSH (MT) MESSAGING Send a variety of messages via SMS text to customers, such as: Account information, including account balance, last credit/debit posted, low balance and insufficient funds Reminders Special announcements Fraud notifications Marketing messages Rewards & incentive offers Deliver messages based on customers' transaction history (i.e., send a reminder to reload their account once the available balance falls below a specific threshold) Multilingual capabilities Reach all customers who prefer mobile communications through a ubiquitous standard SMS text Help customers better manage their account and finances Proactively address potential fraud situations Proven to reduce call volume and support costs Increase activation and account usage by sending promotional messages & incentives Influence customers' behavior to achieve your marketing or cost reduction goals Increase loyalty and customer satisfaction through increased engagement and communication Through What Mobile Channel Do People Prefer Receiving Offers? via advertising on mobile internet 15% 10% 75% SMS via advertising on mobile applications of smartphone users would like to get notified of new offers via

4 Pull (MO) Messaging PULL (MO) MESSAGING Supports a variety standard keywords or commands to return information such as: Available balance Last purchase Load center locations Available discounts & offers Help Provides transactional capabilities, including: Funds transfer options Bill payment Enroll or unsubscribe in account messaging Select or change preferred language Customers sign-up easily via SMS or your website Clients can customize keywords and content of returned messages Carrier-independent message delivery Utilizes keyword aliases to predict customers' requests (i.e., BAL, BALANCE, BALAN or BI will each work to return the consumers' available balance) Multilingual capabilities Effective mobile self-service option for customers with feature phones - no smartphone or app required Provide quick, convenient access to account information and basic transaction functions without requiring customers to download an app, log into a website or call customer service Give customers more control over their money and access to special offers Tailor messaging options to best fit your product and customer base Provide an enhanced user experience by utilizing predictive keyword aliases to understand customers' intentions Ensure that text messages are delivered correctly regardless of the customer's mobile carrier Language preferences to meet customers' individual needs 3 MINS How long it takes for 90% of text messages to be read (mobilesquared )

5 USSD Applications USSD APPLICATIONS Unstructured Supplementary Services Data (USSD) protocol used to deliver the messages Messaging occurs directly between the customer's phone and i2c Establishes an open session for quick exchange of messages No messages or account details stored in intermediate network locations Provides transactional capabilities Accommodates longer message lengths than SMS text Carrier-independent Multilingual capabilities What kind of banking do people do with their phones? Provides a better customer experience Faster message delivery mimics an instant messaging service Provides better security and privacy for customers Allows more flexibility in message content Available on all carriers and feature phones The most common use: 90% check account balances or recent transactions

6 Mobile Web MOBILE WEB Optimizes your desktop website for use on mobile devices: Resized pages better fit mobile screens Dynamic image conversion Lighter pages design for quicker navigation Automatically inherits services and parameters specified in your MCP program settings Full account access and transactional functionality Device and carrier independent Enhances the mobile user experience Allows for quick, efficient delivery of web content without sacrificing transactional capabilities Highly navigable, fast loading pages Provides the same level of account access as the desktop web, without having to download an app Addresses mobile device diversity 71% of mobile users expect web pages to load almost as quickly or faster as web pages on their desktop computers. (Source: Gomez )

7 Mobile Apps MOBILE APPS Available for both iphone & Android platforms Flexibility to distribute via itunes, Google Play or your own distribution method Customizable front-end accommodates your company's color scheme, logo and content Provides summary and detail views into master and companion accounts Supports a variety of functions: Funds transfers Account-to-Account, Account-to-Bank and between companion accounts Bill payment Funds loading Bank account and credit card loads Remote check deposit Account alerts and notifications Integrated load center finder supports both address search as well as location services Fully compatible with i2c Redeem, i2c's digital offer technology; allows customers to review and redeem your digital offers Better support customers with smartphones who prefer to manage their finances while on-the-go Reduce support costs by creating a mobile self-service channel Make it easier for customers to perform a variety of functions and transactions conveniently from their phones Encourage more active loading and account usage Drive spend with i2c Redeem offers Reinforce your brand and messaging

8 Mobile Payment & Wallet MOBILE PAYMENT & WALLET Make payments using a mobile phone Utilize a virtual stored value account Link additional cards, including store loyalty cards Supports ios & Android Cloud-based solution accommodates any method of authorization at the point of sale (POS): Bar code NFC Key entry Flexible deployment options Use your own mobile front-end app in conjunction with i2c's API Allow i2c to custom-brand your front-end Integrated offers and rewards Provide mobile saavy consumers with a fast, convenient way to make purchases Generate new revenue while adding value for the customer by incorporating merchant-funded offers Works with any POS hardware, allowing widespread adoption Maintain your brand standards and manage the customer experience with flexible front-end options i2c, Inc Island Drive, Suite 105, Redwood City, CA 94065, USA sales@