Secure Vault Payments Girard Business Solutions, Inc.

1. Secure Vault PaymentsGirard Business Solutions, Inc.

2. Secure Vault Payments™ (SVP) Overview SVP offers the Immediate Authorization of an ACH Credit transaction with Guaranteed Payment for on-line payments and e-commerce transactions. • Consumers use existing on-line banking • Next Day Settlement via ACH Network • Payment is guaranteed to the merchant • Good funds are verified at time of authorization • No enrollment – No sharing of private bank info • Lower fees than traditional payment methods • No NSF’s – No Declines – No Need For Verifications • No PCI data is stored at Merchant site

3. SVP Demo Consumer starts online payment process

4. SVP Payment Selection • Fast Checkout • No sign-up • No sharing of info • Easy & Secure PAY PAY

5. Bank Selection CONTINUE • Choose Your Bank • New banks are automatically added to the list • Predictive search speeds up selection process

6. On-line Bank Login Consumer is automatically directed to bank’s login page

7. Two Factor Authentication Bank performs two-factor authentication

8. Account Selection University of Georgia Choose from Debit or Credit Accounts

9. University of Payment Confirmation Payment confirmed and Email sent to Consumer

10. Ecommerce Transaction Volume Will Grow to $350 Billion by 2012 Alternative Payments are growing… …faster than Traditional Payments 6-Year CAGR Market: 15% Traditional: 12% Alternative: 31% “Card brands and issuers stand to forgo $345M in volume in 2010 and $1.7B by 2015” – Celent, October 2008

11. 110 Million On-Line Banking Users + 80 Million Internet Users Do Not Pay On-Line Fear of Identity Theft Fear of Fraud Lack of Purchase Control 17% CAGR

12. SVP brings new Revenue Opportunities to FI’s • Gain Marketshare in High Value Verticals • Increase Ecommerce and Payment Transactions • Attract New Merchants and Up-Sell Existing • Gain Entry Into Alternative Payments Space • Drive Revenue Growth + Transactions + Consumers

13. New Revenue Opportunities Merchant Sponsor defines mark-up on transactions to Merchant based on Market Acceptance Network Provider defines pricing for ODFI $100 Bill Payment $98.00 Payment $1.50 $0.50 Consumer FI (ODFI) Biller Merchant FI (RDFI) Acquirers | ISOs | Gateways

14. Benefits of SVP • Consumers • No enrollment or extra steps • No sharing of private financial information to a third party • Comfortable with on-line bank • Pay with debit (Checking / Savings) or credit (Line of Credit) • Avoid convenience fees • Merchants & Billers • Guaranteed Payment in 24 Hours – No NSF’s or Declines • Consumer’s FI authorizes amount in real-time and initiates ACH • Solves the e-check fraud and settlement issues • No PCI requirements – No storage of sensitive consumer data • Lower cost than traditional and alternative methods

15. SVP – Bank “Inclusive” • Issuing Bank (ODFI) • New revenue opportunities • 1.35% Ecommerce -- $0.50 Bill Payment -- $0.40 Government • Attract new DDA customers • Build loyalty via on-line banking channel • Leverage on-line banking infrastructure and investments • Acquiring Bank (RDFI) + Gateways + ISOs • New revenue opportunities • Sponsorship and Transaction-based – up-charge transactions • Attract new merchants and cross-sell existing relationships • Reduced risk of chargebacks and settlement issues • Settlement and Recon services can be provided by eWise or Integrated

16. Network Update – FI Side Live: ~50 Banks & Credit Unions == ~ 500,000 Customer DDAs Integration: 2 of the Top 10 Banks == 24 M customer DDAs US Bank (17M) + Top 7 (7M) Verbal Commits: 2 Top 15 Banks (10M) / 1 Top 5 Credit Union (7M) In Discussion: 90% of Top 50 Banks / CU Industry Associations: ICBA Core Platforms: FIS, Harland, Jack Henry Our Target: More than 100Millionavailable consumers by Q4 2011

17. Network Update – Merchant Side Govt: 3 States (Income & Property Tax) - > 20 Counties/Cities Utilities: Electric/Gas (5.5M), Municipal Water, Gas, Electric Higher Ed: 3 Live – more than 100 committed Not for Profit: LDS Church (7 M members), American Cancer Ecommerce: Apple Vacations, Amazon.com (intent)

18. SVP Marketing Campaign • To drive both merchant and consumer adoption, eWise is investing in a multi-million dollar marketing campaign to be launched in Q1 / Q2 2011 • Funds will be used in cooperation with Participating FI’s, Merchants and Gateways to drive awareness and adoption • eWise is acquiring internal marketing expertise and a marketing firm to assist in defining the campaign strategy and goals • Promotions will be directed at consumers – and will leverage both FI and Merchant web assets for advertising, as well as direct advertising • Sample promotions may include: • Higher Ed: Use SVP for a chance to win “Free Tuition for a Year” • Utility: Use SVP for a chance to win “We’ll pay your electric bill for a year” • Ecommerce: Use SVP for a chance to win “A $2,500 shopping spree”

19. Payment Platforms The primary payment platforms have already integrated or are in late stage integration discussions to implement SVP as a standard payment option.

20. How Do I Join the SVP Network? Acquirers (RDFI) / Gateways • Sign Participation Agreement w/ NACHA • Integrate reconciliation and settlement procedures Issuers (ODFI) • Sign Participation Agreement w/ NACHA • Integrate Internet and Core Banking Platform to SVP Switch • Establish reconciliation and settlement procedures

21. Nate Girard Girard’s Business Solutions, Inc. nateg@girardsinc.com 800.536.4472 Thank you www.girardsinc.com www.nacha.org www.securevaultpayments.org www.ewise.com