1. As a Ceridian customer, it is now easy to be green… As part of our paperless initiative, we are providing Paycards to our clients * at no cost . * with 300+ employees Go from this… To this…

2. DID YOU KNOW… Approximately 12% of U.S. households do not have bank accounts? Wall Street Journal report, 2010

3. These employees receive a paper check from your company.

4. But, this is expensive… For your employee… For your company… For the environment…

6. Employer Benefits Paycards save companies thousands in time & money… • It is FREE to your company . There is No Setup or Ongoing Fees. You will never be charged for this service. • Your employees cards can be issued immediately. All employee / cardholder communication is done by Ceridian—directly. Your payroll department will have minimal involvement or work. Check Distribution Escheatment Bank Reconciliation Shipping Costs Stop Payment Fees Check Fraud Liability • In times of crisis, Paycard ensures that your employees will have full access to their money

7. Paycards are less than 1/5 the cost of cashing a paper check and give employees tremendous benefit. Employee Benefits • Instant access to their money on payday, and it’s always available—24 hrs/day, 7 days/wk $959.32 deposit • Real-time activity reporting, including SMS text messaging that alerts cardholder when deposits are made on their card • The first withdrawal is always FREE, and any point-of-sale signature purchase at the following locations is always free… 4 MILLION 32 MILLION 900,000 38,000

8. Along with the many other benefits, going paperless is good for the environment. Here is what would be saved by converting 400 paper checks to Paycards every year… Environmental Benefits EPA’s Greenhouse Gas Equivalency Calculator, 2010

9. How does it work? Your participating employees get paid with Paycard. And your company starts realizing the benefits. It’s that easy. You enroll new employees in your Ceridian payroll system , similar to direct deposit. If you have Self Service – your employee can enroll online. Your dedicated Ceridian representative will contact you for a simple setup . Sign a simple Ceridian contract addendum. Ceridian will help handle the employee communication to your non-direct deposit employees to create awareness and enrollment. Typical participation = 30%.

10. What are our 500+ clients saying? We asked them why they opted for Paycard… “ To cut down on FedEx costs and escheatment responsibilities” “ Our CEO wanted to eliminate the FedEx expense. We looked at Ceridian/Comdata and Bank of America. We chose Ceridian/Comdata due to payroll integration and the cheapest employee fees.” “ It was part of our green initiative. It helped us to eliminate paper. Before we had to ship checks to HQ and then FedEx them out to our locations. We wanted to eliminate the delivery fees and all of the process to coordinate distribution.”

11. What are our 500+ clients saying that use Paycard? We asked them how their Employees like it… “ Our employees love it. It has been a great benefit to them” “ The employee fees are low—there are good networks available and the integration with payroll is nice.” “ Our employees understand how the program works—and use it.”

12. What are our 500+ clients saying that use Paycard? We asked them what their payroll department thinks… and how the implementation went… “ Paycard is easy to use, implement and rollout.” “ Before paycard, we had many paychecks and in turn, escheatment issues. Paycard solved for that.” “ Our implementation was quick and smooth. We had no issues.” “ Our savings were higher than expected. The adoption rate with our employees has been high as well.”

13. So… What Now? Click here to sign up now … Or—if you have more questions about how the program can work in your company, contact Ceridian today!