1. Online Bill Pay Overview 3/29/2011 Slide 1

2. Corporate Overview Founded in 2001 Provides bill pay solutions to more financial institutions than any other bill pay provider Focused exclusively on bill payment solutions Customer service and payment processing handled in-house 3/29/2011 Slide 2 “iPay is the best decision we’ve made in online bill pay solutions.” Jerenda PanchoSpirit of AlaskaFederal Credit Union iPay is solid

3. Corporate Overview Averaging over 40 new financial institutions live per month Over 3,600 clients nationwide—the most clients of any provider Serves over half of the nation’s credit unions 1,500,000+ subscribers 5.5 million+ payments monthly 3/29/2011 Slide 3 “We feel that using iPay enhances our image.” Ronnie PenceKentucky Neighborhood Bank iPay is strong

4. Corporate Overview 99.94% uptime 99.93% payment success rate 85% electronic ratio ─ the highest in industry Client loyalty rates over 97% 53% annual subscriber growth rate ─ the fastest in the industry 3/29/2011 Slide 4 “From day one, our priority is to partner with your financial institution.” Dayna Adler iPay Implementation Coordinator iPay is Service

5. Corporate Overview 3/29/2011 Slide 5 The numbers prove the point: iPay has the strongest growth because we help financial institutions grow their business Source: Aite Group, LLC, “Online Banking Bill Payments: A Vendor Performance Update,” October 2009 and management estimates.

6. Who is iPay? What does that mean? 3/29/2011 Slide 6 “From day one, our priority is to partner with your financial institution.” Dayna Adler iPay Implementation Coordinator iPay Technologies is the easiest online bill pay service to work with for financial institutions and their customers.

8. Most responsive service

9. Finest consumer and small business bill pay products

10. Truly turnkey solution3/29/2011 Slide 7 “Let’s talk experience.” Coni Bills from County National Bank “Easiest to work with” means

12. iPay is technology solutions that truly redefine user friendly

13. iPay is turnkey bill pay services so you can focus on business And iPay has a 94% first call resolution rate. That means for every phone call received from your customers, 9½ times out of ten, the problem is fixed before they hang up the phone. And we do it in less than 5 minutes. 3/29/2011 Slide 8 “Let’s talk service.” Alon Sutton from Mutual Savings Credit Union on Service The iPay Difference

14. Consumer online bill pay solution 3/29/2011 Slide 9 iPay consumer bill pay was designed with the needs of your customers in mind.

16. Make person-to-person electronic payments

17. Handle account-to-account interbank transfers

18. Track check payments easily

19. Get helpful text alerts and payment reminders

21. “Financial institutions see retaining 25% more of their eBill customers when compared to traditional online banking users.”Aite Group, LLC, “Online Banking Performance: Executing in a Multichannel World ” (2008)

22. eBill lets customers receive all their bills electronically in a single location

23. They can review all of their bill details, past bill activity and make payments

25. Handled thousands of implementations and conversions

26. All tools and training you need

27. We can go as fast as your institution can go

28. Most new implementations take 30 days or less to go live

29. Most conversions take 60 days or less to go live

31. Brochure

32. Poster

33. Table tent

34. Materials for your website

35. Banner ad

36. Transition page

37. Email campaigns

38. Awareness email series

39. Adoption email series

41. Most responsive service

42. Finest consumer and small business products

43. Truly turnkey solution

44. Simple, seamless implementationYou deserve iPay Technologies

45. iPay Technologies 3/29/2011 Slide 15 Thank you Eric Isham Senior National Sales Executive 270.706.9707 iPay Technologies, LLC801 North Black Branch RoadElizabethtown, KY 42701866.851.4729 | www.ipaytechnologies.com