▶︎ 𝗔𝗣𝗣𝗥𝗢𝗔𝗖𝗛 (a simplified view of it)Step #1: Take the necessary time to understand the situation, issues and goals. What is the real need(s)?Step #2: Share ideas / possibilities on how we can address the business' need(s).Step #3: Provide client space, if needed - to process and get comfortable with the ideasStep #4: Introduce client to my partner firm(s) - important that client knows the team supporting them. Step #5: Decide as a team (client, me, my partner) if a good fit and makes sense to move forward.Step #6: Get started!▶︎ 𝗞𝗘𝗬 𝗦𝗘𝗥𝗩𝗜𝗖𝗘𝗦Services designed for Middle Market and Large enterprises throughout the US. Key services include:•Indirect Business Cost Reduction•Accounts Payable Automation (including virtual card deployment)•Specialized Business Tax Incentives•Pay Any Day▶︎ 𝗢𝗨𝗧𝗖𝗢𝗠𝗘𝗦 (results vary by client situation in all of these areas): Indirect Business Cost Reduction •Average save per client across our current portfolio = 15-20% •Range of save across our client portfolio = 5-45% (varies by specific cost category)Accounts Payable Automation •Lower overall AP process and per item processing costs (cost saves specific to client) •Greater ability to earn cash rebates •More flexibility to take advantage of supplier discounts, if desired •Increased virtual card use (safest and most secure way to pay suppliers)Specialized Business Tax Incentives •Majority of clients have been able to leverage one or more incentives •$10K - $1M+ captured benefits, credits and/or refunds for clientsPay Any Day •Potential to reduce payroll processing costs •Reduced employee turnover costs (hiring, training, etc.) •Improved overall recruiting and employee retention outcomes

▶︎𝗪𝗛𝗔𝗧 𝗜𝗦 𝗢𝗨𝗥 𝗘𝗫𝗣𝗘𝗡𝗦𝗘 𝗥𝗘𝗗𝗨𝗖𝗧𝗜𝗢𝗡 𝗦𝗢𝗟𝗨𝗧𝗜𝗢𝗡A simple yet effective service to help ensure your business is receiving the most competitive rates possible for your indirect business expenses.It is 100% performance based --> we either find you savings or there is no fee charged The expense categories included in the service:•Utilities (Electric, Gas, Water, Sewer)•Telecom•Wireless & Internet•Waste Management / Removal•Merchant Processing •Uniform / Linen Rental▶︎ 𝗪𝗛𝗢 𝗜𝗦 𝗧𝗛𝗜𝗦 𝗙𝗢𝗥Enterprises with annual revenue exceeding $10 million ▶︎ 𝗛𝗢𝗪 𝗜𝗧 𝗪𝗢𝗥𝗞𝗦1. Gather information upfront to begin the process (e.g. recent statements, provider contracts, letter of agreement, letter of authorization)2. Conduct the expense analysis (3 days to 6 weeks depending upon expense category)3. Share observations and findings with client4. Conduct negotiations and implement saves with service providers 5. Review first instance of new bills to ensure saves have been fully implemented by service provider6. Actively monitor for any attempted future price increases by provider (typically 3 years) ▶︎ 𝗘𝗫𝗣𝗘𝗖𝗧𝗘𝗗 𝗢𝗨𝗧𝗖𝗢𝗠𝗘𝗦:•The average client sees a 15-20% reduction bottom line expenses WITHOUT switching vendors.

▶︎ 𝗪𝗛𝗔𝗧 𝗔𝗥𝗘 𝗩𝗜𝗥𝗧𝗨𝗔𝗟 𝗖𝗔𝗥𝗗𝗦:•Virtual Cards are essentially an online version of your static credit card. They allow for fast invoice settlement, rock-solid security and perfectly aligned reconciliations.•As credit cards for business are an important cog in your machine, compromised cards can cause huge disruption. Virtual Card's single-use transactions, means that as a transaction is finished, the virtual credit card number can not be used again.•Virtual Cards give you total control and real time monitoring of employee spending▶︎ 𝗪𝗛𝗢 𝗜𝗦 𝗧𝗛𝗜𝗦 𝗙𝗢𝗥:•Virtual Cards make payments easy and automatic for any size business•Suitable for businesses looking to eliminate manual processes that slow down revenue growth•Businesses looking to make efficient payments that also produce additional revenue for the company▶︎ 𝗛𝗢𝗪 𝗜𝗧 𝗪𝗢𝗥𝗞𝗦:•Virtual Cards follow the same process as your current check runs. You can perform a payment run exactly as you do now•Instead of “sending” a payment batch to the check printer to be stuffed and mailed, you will send the payment batch and we will automatically create and send out the virtual cards•Our system allows for a single-use virtual card number being created, approved for the exact amount of the invoice(s) and it is associated with your ERP or AP•Real-time controls allow you to set how much, when, and where the card number can be used and puts a stop to unapproved spending▶︎ 𝗘𝗫𝗣𝗘𝗖𝗧𝗘𝗗 𝗢𝗨𝗧𝗖𝗢𝗠𝗘𝗦:•Using the Virtual Cards will see you receive monthly rebates and rewards on purchases with our automated payables systems•Transform your AP Department from a Cost to Profit Center•Virtual Card unique numbers are associate with each invoice and this creates effortless expense reporting and eliminates duplicate payments

▶︎𝗪𝗛𝗔𝗧 𝗜𝗦 𝗢𝗨𝗥 𝗣𝗔𝗬 𝗔𝗡𝗬-𝗗𝗔𝗬 𝗦𝗢𝗟𝗨𝗧𝗜𝗢𝗡:•Grant your Employees access (at no cost to you) to their earned wages (up to 50%) between pay periods•We partner with a digital fintech company that is truly dedicated to empowering consumers•Your employees can access, move and use their money anytime, anywhere•84% of employees want access to earned wages between pay periods, so they can resolve immediate cash needs. You can meet this need with our solution•This solution is FDIC insured▶︎ 𝗪𝗛𝗢 𝗜𝗦 𝗧𝗛𝗜𝗦 𝗙𝗢𝗥:•Employers that want to use this as part of a hiring incentive to stay competitive in a tough job market •Great for Employers that want to retain staff with a solution for access to earned wages between pay periods•Employers that wish to help resolve immediate financial needs easily, securely and affordably for their work force•Employers that currently pay via paper check, can shift to a more cost-effective solution with Pay Any-Day as the lead product for employee conversion to direct deposit of paycheck to Digital Account▶︎ 𝗛𝗢𝗪 𝗜𝗧 𝗪𝗢𝗥𝗞𝗦:•You provide us with employee pay rates & hours worked•We can onboard employees in a few weeks•We provide all communication materials & 24 x 7 customer support•Employees sign up for a Digital Account online•As part of the Digital Account the Employee receives the Pay Any-Day product, a Visa® Debit Card, In Network ATM, Bill Pay and Money Send•We do all the set-up for you and you simply offer this service as a way to improve the lives of your work force•Digital Accounts can be in English or Spanish The account requires no credit check or minimum balance▶︎ 𝗘𝗫𝗣𝗘𝗖𝗧𝗘𝗗 𝗢𝗨𝗧𝗖𝗢𝗠𝗘𝗦:•In today's competitive hiring market, you can use this Financial Wellness Benefit to attract and retain staff•Reduced turnover•Higher level of engaged employees as they see you providing a service that matches their life needs•Continuous account management and 24 x 7 customer service