EFTA Document EFTA01382692

UA Table of Contents ( %argot, srn Ice Description Benefits A fait .Venrork Payroll (*ants Comprehensive, paperless paycheck delivery options that enable businesses to improve control over their costs and give employees safe, convenient access to their wages. • Enable electronic paycheck delivery through widely accepted Visa. MasterCard, Discover and STAR cards • Reduce costs through el crone delivery of pay stub details • Provide employees with benefits such as online bill pay and balance alerts • Pay final wages to terminated employees in a timely and compliant manner • Follow complex payroll laws in all 50 states • Manage payroll program with online reporting tools Idvanced Marketing Solutions and Gift Cards Comprehensive enterprise-branded pre-paid gift card program management for national and global businesses. including planning and forecasting. order management. design consultation, and inventory and fulfillment services. Increase customer engagement. purchases. and retention Increase brand exposure and boast gift card sales by expanding the number of channels for card distribution • Lower total cost of payment acceptance for businesses • Simple, web-based solution enabling customers to reload funds onto gift or spending cards in real- time from a credit card or checking account • Accurate, timely net settlement and easy-to-use reporting Gyft Leading mobile digital gift card platform that enables consumers to buy. reload, or re-gift their cards, and offers businesses a simple and effortless direct-to- consumer digital distribution channel. • Single solution to sell mobile gift cards, track balances, issue store credits, and create promotions • Create loyalty programs that reward customer purchases • Run focused marketing campaigns to target sought- after demographic groups • Drive purchase behavior through social media platforms 132 httplAnnv. see. gov/Archi vecledgaddatant83980/00011 93 1251 5334479A:B10228s la.htmi 1 0/14/2015 9:06:38 AM] CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) CONFIDENTIAL DB-SDNY-0082151 SDNY GM_00228335 EFTA01382692