04/10/2023

Online Bill Pay Overview

Slide 1

04/10/2023

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

Slide 2

iPay is solid“iPay is the best decision we’ve made in online bill pay solutions.”

Jerenda PanchoSpirit of Alaska

Federal Credit Union

04/10/2023

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

Slide 3

iPay is strong“We feel that using iPay enhancesour image.”

Ronnie PenceKentucky Neighborhood Bank

04/10/2023

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

Slide 4

iPay is Service“From day one, our priority is to partner with your financial institution.”

Dayna AdleriPay Implementation Coordinator

04/10/2023

Corporate Overview

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.

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Who is iPay?

What does that mean?

Slide 6

iPay Technologies is the easiest online bill pay service to work with for financial institutions and their customers.

“From day one, our priority is to partner with your financial institution.”

Dayna AdleriPay Implementation Coordinator

04/10/2023

Who is iPay?

• Total focus is on superior online bill pay

• Most responsive service

• Finest consumer and small business bill pay products

• Truly turnkey solution

Slide 7

“Easiest to work with” means

“Let’s talk experience.

”

Coni Bills from County National Bank

04/10/2023

Who is iPay?

• iPay is people who take care of your customers like you do

• iPay is technology solutions that truly redefine user friendly

• 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.

Slide 8

The iPay Difference

“Let’s talkservice.”

Alon Sutton from Mutual Savings Credit Union on Service

04/10/2023

Consumer online bill pay solution

Slide 9

iPay consumer bill pay was designed with the needs of your customers in mind.

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Consumer online bill pay solution

Slide 10

• Pay bills from multiple accounts

• Make person-to-person electronic payments

• Handle account-to-account interbank transfers

• Track check payments easily

• Get helpful text alerts and payment reminders

• Receive bills electronically with eBill

Now your customers can

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Consumer online bill pay solution

Slide 11

• Customers want electronic billing

• “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)

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

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

• eBill can be accessed anytime, anywhere

Includes eBill electronic bill presentment

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Consumer online bill pay solution

Slide 12

• Dedicated team and point person

• Handled thousands of implementations and conversions

• All tools and training you need

• We can go as fast as your institution can go

• Most new implementations take 30 days or less to go live

• Most conversions take 60 days or less to go live

• See the steps

Seamless implementation

“Let’s talkseamless.”

Amy Long from Peoples Bancorporation

04/10/2023

Consumer online bill pay solution

Slide 13

• Materials for your branch

– Brochure

– Poster

– Table tent

• Materials for your website

– Banner ad

– Transition page

Includes eBill electronic bill presentment

• Email campaigns

– Awareness email series

– Adoption email series

• Self-guided demos

“Let’s talk

resources.”Marketing

Resource Center

04/10/2023

It’s time for ipay

Slide 14

• Superior online bill pay

• Most responsive service

• Finest consumer and small business products

• Truly turnkey solution

• Simple, seamless implementation

You deserve it all

You deserve iPay Technologies

“We’ll be here to help keep everything running smoothly for you.”

Cindy Horn, iPay Vice President of Implementation

04/10/2023

iPay Technologies

Slide 15

Eric Isham

Senior National Sales Executive

270.706.9707

iPay Technologies, LLC801 North Black Branch RoadElizabethtown, KY 42701866.851.4729 | www.ipaytechnologies.com

Thank you