1Proprietary & Confidential

July 2015

Bringing a Unique Approach to Corporate Payments

2Proprietary & Confidential

Who We Are

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Our Purpose

Flexible | customer-driven | corporate payments | service |

team

4Proprietary & Confidential

Corporate Payments

FleetSolutions

Boutique Approach

5Proprietary & Confidential

Why EFS?

We’re Helping Our Customers…• Grow Revenue

– Optimize working capital – Focus on your core business– Revenue sharing

• Reduce Expenses– Automation – Eliminate paper– Centralize payment processing

• Mitigate Risk– Consolidated spend view– Improved visibility, real-time control– Spend strategically

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6Proprietary & Confidential

A New Approach to Payments

Taking the mystery out of the purchasing equation:

YOU become the Issuer SECURED ENVIRONMENT = MAXIMUM Rebate Value

COMMERCIAL CARD INTERCHANGE

Commercial card Card-not-present Card present Fleet transaction

295bps 265bps 250bps 210bps

EFS Processing Fee

MAXIMUM REBATE

7Proprietary & Confidential

Flexible Payment Options

Physical card assigned to an employee for standard business

purchases

Permanent MasterCard® card

number assigned to a specific vendor or

department – used for repeated purchases

Unique 16-digit MasterCard® card

number electronically generated for one-time payment/use

EFS MasterCard® Corporate Card

EFS MasterCard® Ghost Card

EFS MasterCard® Virtual Card

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Overall

High Capture

Primary reasons to accept cards

Why Do Vendors Accept Cards?

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Manual or electronic

Ensure invoice is processed into AP system with appropriate GL coding

Ensure 2 or 3 way match is made

Appropriate approvals

Process payment to the supplier

EFT/ACH

Checks

INVOICE RECEIPT

FINANCIAL SYSTEM

APPROVAL PAYMENT

EFS solution becomes an additional payment method

EFS Electronic Accounts Payable (EAP)

Standard Invoice Payment Process

10Proprietary & Confidential

EFS’ Automated Payment Process

$200.00

Customer sends payment disbursement

file to EFS

EFS assigns Virtual MasterCard® account number, dollar amount with remittance

Vendor receives and authorizes Virtual MasterCard® and settles payment

EFS provides customer with an invoice file for reconciliation – Customer can pull reports and view/reconcile payments in Expense Reporting

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$200.00

11Proprietary & Confidential

Get more from our fuel and fleet cards

Dedicated Implementation Manager

Dedicated Integration Manager

Supplier Onboarding

EFS will contact suppliers on your behalf

Letter Campaigns

Phone Campaigns

EFS sets up each supplier

Customer endorsement is critical to success

Complete end-to-end testing

EFS DOES THE HEAVY LIFTING

Multi-Channel Vendor Onboarding Support