1. PAGE 1 – EMV Cards (Solution Page – EMV Financial and Prepaid) (30,000 foot level)

Full Service EMV for Financial and Prepaid

EMV migration, leader, redundancy.

Custom designs, service, process, quality.

Choices – gold, silver or custom chips – variety of chip choices, dual interface.

a. PAGE 2 – EMV for Financial (Product Page) (more detailed, specific to markets and product options)

i. Design around the chip, variety of chip choices (link to Chips)

ii. Whether it’s design to best exemplify brand or to engage a community (large tier messaging, small and mid-sized tier messaging)

iii. Choices for core, inks, finishes, lamination

1. Materialsa. Metal, PVC, Bio (Earth - UK, Biodegradable - CA)

2. Finishes a. Matte/Silk, Polish, Post Lamination Print

3.[2.] Specialty Inks a. Pearls, Metallic, IR Shift Inks, UV Shift Inks, 24 Karat Gold

4.[3.] Cores a. Colored, Clear, Holographic Foils, Layered, Stainless

Finishes Specialty Inks CoresMatte/Silk Pearls ColoredPolish Metallic ClearPost Lamination Print IR Shift Inks Holographic Foils UV Shift Inks Layered 24 Karat Gold

[iv.] Quality process and assurance

b. PAGE 3 – EMV for Prepaid (Product Page) (more detailed, specific to markets and product options)

Our prepaid solutions can adapt to all different types of programs, and they're designed to grow with your business, both domestically and internationally. At CPI, we work with the industry’s largest prepaid providers, leveraging our experience and expertise to provide customizable end-to-end solutions. Whether your program is in retail, mail, digital or

mobile, you can capitalize on our resources, network and expertise to deliver top-quality prepaid products to market quickly.We work with you to develop the right solutions for your prepaid program. We offer dedicated account and project management along with a host of products and solutions to meet every need. We continually invest in the latest technologies to ensure your program will be able to evolve and meet the ever-changing demands of the prepaid market.

One of the largest prepaid providers in North America Connected to most major processors Experienced data management specialists Full end-to-end solution for any given program Full suite of physical and digital solutions. Account and project management

i. Design for Prepaid cards – necessity of EMV “rules”, added security

ii. Design around the chip, variety of chip choices (link to Chips)

iii. Markets where EMV would apply in Prepaid

1. Prepaid Debit for Gift & GPR [categories taken from graphic]

2. Rewards & Incentives

3. Transit

4. Government disbursement

5. Payroll & Employee benefits

iv. Whether it’s design to best exemplify retail brand or to capture gift purchasers (gift card malls vs. register stands)

v. Choices for core, inks, finishes, lamination

vi. Custom secure packaging options

vii. Quality process and assurance [text from Prepaid Card Manufacturing]

Our card manufacturing facilities produce hundreds of millions of prepaid debit cards annually supporting both retail and mail programs. We offer a variety of choices in specialty print and material options along with design services to keep your card top-of-wallet. For prepaid debit cards migrating to EMV, we offer consulting and guidance for a successful EMV implementation through our ChipComplete TM for Prepaid . CONNECTTM provides tools for card inventory and production management and reporting. Our card solutions include:

Temporary and permanent issued cards Magnetic Stripe EMV ChipComplete for Prepaid Specialty print & material options Print on Demand CPI by Design™ CONNECT™

c. PAGE 4 – EMV | Contact and Dual Interface, Chip options (Product - Subpage) (more detailed, specific to markets and product options)Start a program with contact EMV. Offer value-added solutions with contact and contactless capability.

i. Contact and Dual Interface

Dual interface cards offer:

Global-interoperability Increased speed of transaction at point of sale Convenience of payment in transit and quick serve restaurants Contact, contactless, and mobile payment transaction capability Issuance of dual interface cards inspires global acceptance of contactless payment.

Dual interface EMV chip cards are available for both credit and debit products and can be an integral part of your business strategy, giving you the ability to issue dual interface cards based on geographic opportunities such as providing dual interface cards in area’s where there are contactless card transit systems.

Furthermore, contactless transactions are proving to be faster than cash. Speed of transaction is highly beneficial to merchants during peak periods and can increase transaction volume for merchants and issuers. Customers who typically would sort through their wallet for exact change can wave their dual interface payment card or mobile device over a reader, pay and go.

ii. Dual interface global comparison

Globally, dual-interface EMV cards, contact cards which also enable contactless payment, are gaining popularity thanks to their speed and convenience particularly for small dollar, quick turn transactions such as transit fare payments or payments at quick serve restaurants. As the U.S. market migrates to the EMV standard, dual-interface EMV cards will also increase in popularity relative to contact EMV cards.Countries who are leading in the contactless movement are gaining quick acceptance with the activation of payment terminals and mass-issuance of cards to customers. With an expanded network of payment terminals equipped to tap or wave, customers are becoming more comfortable making contactless payments.Some countries are now raising the floor limit, as in the UK and Canada, and are making it easier for customers to make more significant purchases. Canada, one of the earliest countries to adopt EMV and raise the floor limit for card programs, is seeing a significant boost after a major roll-out of dual interface cards to customers.Australia and the UK are two of the most advanced contactless markets in the world, featuring some of the highest penetrations of terminals and cards issued relative to population. In Europe and the Asia-Pacific regions, they see a high number of tourists and exchange students, who are tech-savvy and prefer alternative payment methods. As an alternate payment option for transit riders, the UK, has seen accelerated growth since the introduction of contactless payment acceptance in their transportation market.Singapore has doubled the amount of monthly contactless payment transactions with the issuance of cards and activated terminals. Swiftly gaining ground are Japan, Taiwan and South Korea, which have integrated options for contactless and NFC payment at merchant locations.

iii. Chip Options, gold, silver, custom color with logo – differentiator – we can use almost any chip

CPI offers a choice of contact and dual interface chip cards with variable memory sizes, multi-application capabilities, and EMV chip options including six and eight contact, in gold or silver. An account manager can work with you to develop a program and set a timeline to accommodate your current and future needs.

6 Contact 8 Contact Dual-Interface

Supported Authentication Method:SDA, DDA, & CDA

Supported Authentication Method:SDA, DDA, & CDA

Supported Authentication Method:DDA & CDA

EEPROM in kilo-byte:4k-208k

EEPROM in kilo-byte:4k-208k

EEPROM in kilo-byte:8k-18k

Payment Applications:VSDC 2.8.1M/Chip Advance v1.1M/Chip 4 Select 1.1bM/Chip 4 Lite 1.1bD-PAS 1.1AEIPS 4.2

Payment Applications:VSDC 2.8.1M/Chip Advance v1.1M/Chip 4 Select 1.1bM/Chip 4 Lite 1.1bD-PAS 1.1AEIPS 4.2

Payment Applications:VSDC 2.8.1Paypass M/Chip 4M/Chip Advance 1.1QVSDC R2 v1.1FDC CertiflashExpress Pay 2.0 (Amex)Contactless D-PAS 1.0Interac Flash 1.4

iv. Extended chip lifecycle (Visa LOA)

CPI is an early adopter of Visa’s® EMV chip approval guidelines where products certified after January 1, 2016 can be in circulation for as long as 12 years*. Leveraging these longer-life chips, first-moving Visa card issuers can leverage their EMV personalization technology investment for a greater number of years, and it also removes the uncertainties of the “3-year renewal/extension process”.

CPI’s longer-life Visa EMV product solutions include SDA and DDA contact card options and a DDA/CDA dual-interface option. The chips leverage Visa applets compliant with the VSDC 2.8.1 f1 specification and memory sizes that vary from 4k to 16k of EEPROM.

*see December 2015 Visa Bulletin for further details

d. PAGE 5 – EMV for Financial | Personalization and Carriers/Fulfillment Types of personalization (Product - Subpage) (more detailed, specific to markets and product options)

i. Secure cards

ii. Carriers Mailing options

2. PAGE A – MAGNETIC Cards (Solution Page –Financial, Prepaid, Loyalty, Membership, Gift, Access) (30,000 foot level)

Full Service

Leader, redundancy.

Exemplify brand and localize to create loyalty in community or across brands

Custom designs or choose from a library, finish options, cores; service, process, quality.

Choices – RFID, traditional manufacturing/personalization, POD.

a. PAGE 1 – PREPAID | Magnetic (Product Page) (more detailed, specific to markets and product options)Our prepaid solutions can adapt to all different types of programs, and they’re designed to grow with your business, both domestically and internationally. At CPI, we work with the industry’s largest prepaid providers, leveraging our experience and expertise to provide customizable end-to-end solutions. Whether your program is in retail, mail, digital or mobile, you can capitalize on our resources, network and expertise to deliver top-quality prepaid products to market quickly.

One of the largest prepaid providers in North America Connected to most major processors Experience data management specialists Full end-to-end solution for any given program Full suite of physical and digital solutions Account and project management

i. Design for use (GPR, retail, rebates, refunds, benefits, transit, government, healthcare)

We work with you to develop the right solutions for you prepaid program. We Offer dedicated account and project management along with a host of products and solutions to meet every need. We continually invest in the latest technologies to ensure your program will be able to evolve and meet the ever changing demands of the prepaid market.

TRANSIT CARDS:

CPI offers transit programs a full suite of products through its support for open payment platforms for physical and digital transit payment cards. Transit is an emerging market in open loop prepaid systems. Outdated closed loop systems are being replaced by new technology allowing for open payment systems, giving transit riders a choice of payment. Open loop prepaid transit products provide riders, with limited or no access to credit or debit products, the ability to pay in an open payment transit system.

CPIs’ solutions cover all sales channels in transit including retail, kiosk, and mail, in addition to programs for students, seniors, or corporate employees. CPI assists in the card migration an implementation of these new systems to ensure a successful launch. Our solutions include:

EMV contactless cards and dual interface cards Secure retail packaging Personalization, mail and fulfillment Print on Demand e-Services- An end-to-end order and fulfillment platform for discounted

transit programs, including options for digital payments Mobile payments- [Digital card] enables mobile payment within the

branded transit application. Riders can check schedules and pay for rides all from within the transit app.

GPR Programs (General Purpose Reloadables)

Personalized Welcome kits for new card holders Targeted personalized campaigns to promote usage and retention Eliminate inventory, print only what is needed Eliminate destruction due to changes

Web Based Gift Programs

Personalized messaging and gift-able packaging Eliminate inventory, print only what is needed Eliminate destruction due to changes

Incentive [Programs]

Targeted personalized offers Do smaller targeted campaigns, more frequently Eliminate inventory, print only what is needed Eliminate destruction due to changes

Corporate Rewards

Personalized messaging and gift-able packaging for corporate rewards Eliminate inventory, print only what is needed Eliminate destruction due to changes

Payroll and Benefits

Eliminate inventory, print only what is needed Eliminate destruction due to changes

Government Disbursements

Eliminate inventory, print only what is needed Eliminate destruction due to changes

ii. Whether it’s design to best exemplify retail brand or to capture gift purchasers (gift card malls, register stands, benefit recipients, loyalty, rewards)

iii. Choices for core, inks, finishes, lamination

iv. Custom secure packaging options

v. Quality process and assurance

b. PAGE 2 – PREPAID | Personalization and Packaging (Product Page) (more detailed, specific to markets and product options)

i. Traditional perso and fulfillment

ii. Data management and quality

iii. Mail carriers, packaging, custom and secure options (brief intro and link to packaging)

c. PAGE 4 – MAGNETIC | LOYALTY (Product Page) (more detailed, specific to markets and product options)

Customer purchase decisions are often driven by loyalty and membership programs, where points or award incentives can increase purchase frequency and dollars spent. CPI can create a visually impactful card for your loyalty or membership program, promoting your brand image and supporting a customer connection that drives repeated purchases.

CPI can support your loyalty program through the provision of personalized cards, key fobs, carrier production, or direct mail and fulfillment, whether daily, weekly, monthly, or one-time. At CPI, we understand the need for fast, efficient services, and our fulfillment capabilities for direct mail are second to none. Our clients rely on CPI for sending welcome packs, replacement card packs, and regular communications to their members quickly and securely. We can fulfill anything from simple letter with card attached, to a one-piece mailer with a tailored coupon, or complex selective inserts with our state-of-the-art in-house machining.

i. Loyalty Card scenarios with packaging options

ii. Mail carriers, offers and inserts

[Your loyalty cards] deserve a carrier that is equally as impressive as the message you have created for the card or key fob. CPI can craft a carrier and mail pack solution to suit your needs while insuring the integrity of the mailer- whether it is as simple as a card attached to a letter that is folded and enclosed in a window envelope, or a more complex one-piece mailer. Upload your own artwork or our designers can create a piece

that will make your brand stand out with matching carriers, collateral, postcards or envelopes. (from membership page)

iii. Key tags

CPI produces [key tags] and fobs in various formats, shapes, and sizes, on substrates suitable to the end user and organizational environmental policies. Cards can be customized with your brand logo and identity; color scheme, offers and messaging, and can include card, card with key fob (key tag) and custom printed collateral to enhance your card carrier and mailer. Our design team can work closely with your marketing team to deliver a card format that has the desired impact, while the item contained meets the requirements of the product life cycle and environment.

iv. RFID

d. PAGE 5 – MAGNETIC | GIFT (Product Page) (more detailed, specific to markets and product options)

Gift cards are well-loved for all gifting occasions, securing a permanent spot in your annual trade marketing plans. With soaring volumes, low-risk plastic gift cards are claiming prime real estate at checkouts across all retail outlets. Coined as the gift of choice, gift cards rank as one of the most-given gifts and more recently are popular for corporate use for incentives, rewards, and payout programmes.

Gift card design is critical to the success of any programme. Keep your gift card programme on the cutting edge with CPI’s fresh card designs and innovative packaging. CPI accommodates, fast, efficient stock fulfillment and delivery to stores, to help you keep up with customer demand during peak trading periods. Additionally, CPI can establish a multi-channel approach, allowing us to offer digitized gift cards, giving consumers a platform to purchase digital, physical and personalized gift cards from the comfort of their home or on-the-go via mobile phone. [Our] turnkey order and fulfillment platform for physical and digital cards can stand alone or be plugged into an existing online shopping portal to expand on your traditional card offering.

i. Gift Card scenarios with packaging options

ii. Mail carriers, offers and inserts

iii. Custom gift card packaging

At CPI we offer in-house design and branding services to create visually impactful card programmes, promoting your brand image and supporting a customer connection that drives repeated purchases. CPI produces cards and carriers in various formats, shapes and sizes, on substrates suitable to the end-user and organizational environmental policies.

We believe that every gift card range is unique. Using a wide variety of finishes and special screen finishes, we will bring your gift card to life. Our design team is experienced with fast moving consumer goods (FMCG) branding, corporate communication and packaging, and has vast knowledge of print capabilities and techniques. Cards can be customized through our design services or we can work with your marketing team or creative agency to deliver a card and carrier format that has the desired impact, while meeting the requirements of the product, budget, life-cycle and environment.

We have invested in state-of-the-art equipment, including a 3D rendering system that allows us to visualize concepts in photographic quality. Our team of industry experts can advise you on various options available, including:

Finishes:

Foils add shimmer and shine Shaped custom cards create unique dimensions 3D lenticular designs create both depth and motion Embossing accentuates key design elements Matte lamination gives a subtle, tactile effect that radiates quality Gloss lamination adds a high-profile silky sheen

Special Finishes

Pearlescent adds a shimmering luster resembling a pearl Glitter adds a touch of sparkling magic

Carriers

Bespoke or custom carriers are uniquely designed to house gift cards neatly Variety of shapes, cuts, textures and styles to complement your cards

e. PAGE 6 – MAGNETIC | MEMBERSHIP (Product Page) (more detailed, specific to markets and product options)

Customer purchase decisions are often driven by loyalty and membership programs, where points or award incentives can increase purchase frequency and dollars spent. CPI can create a visually impactful card for your loyalty or membership program, promoting your brand image and supporting a customer connection that drives repeated purchases.

i. Membership Card scenarios with packaging options

ii. Mail carriers, offers and inserts

[Your membership cards] deserve a carrier that is equally as impressive as the message you have created for the card or key fob. CPI can craft a carrier and mail pack solution to suit your needs while insuring the integrity of the mailer- whether it is as simple as a card attached to a letter

that is folded and enclosed in a window envelope, or a more complex one-piece mailer. Upload your own artwork or our designers can create a piece that will make your brand stand out with matching carriers, collateral, postcards or envelopes.

iii. Key tags

CPI produces [key tags] and fobs in various formats, shapes, and sizes, on substrates suitable to the end user and organizational environmental policies. Cards can be customized with your brand logo and identity; color scheme, offers and messaging, and can include card, card with key fob (key tag) and custom printed collateral to enhance your card carrier and mailer. Our design team can work closely with your marketing team to deliver a card format that has the desired impact, while the item contained meets the requirements of the product life cycle and environment.

iv. RFID

f. PAGE 7 – MAGNETIC | ACCESS (Product Page) (more detailed, specific to markets and product options)

i. Access card scenarios with packaging options

ii. Mail carriers, offers and inserts

iii. RFID

g. PAGE 8 – MAGNETIC | FINANCIAL (Product Page) (more detailed, specific to markets and product options)

h. Design for use small and mid-size issuers

i. Choices for core, inks, finishes, lamination

j. Quality process and assurance

3. PAGE 3 – PACKAGING (Product Page) (more detailed, specific to markets and product options)Our design team has extensive experience designing packages for both retail and mail programs. The team works closely with our production, data and quality teams to ensure any custom package is producible with automation and with the highest quality standards. This design process has produced multiple award-winning custom packages for our clients. The design team works with you to design packaging according to your brand and security level requirements, taking into consideration overall functionality while including multiple data-matching features. In addition, our design team provides expertise and guidance for specialty print treatments, applied to your packaging for an overall one-of-a-kind look.

Mail Carrier, insert and coupon options

[Your cards] deserve a carrier that is equally as impressive as the message you have created for the card or key fob. CPI can craft a carrier and mail pack solution to suit your needs while insuring the integrity of the mailer- whether it is as simple as a card attached to a letter that is folded and enclosed in a window envelope, or a more complex one-piece mailer. Upload your own artwork or our designers can create a piece that will make your brand stand out with matching carriers, collateral, postcards or envelopes. (text from membership page)

Fulfillment services

Our technology-driven B2B and B2C personalization solutions can work with your data to scale from small issuance to mass personalization mail carrier runs. Our daily and bulk fulfillment capabilities include a wide range of packaging and mailing solutions. We can design the right collateral, personalized for specific clients, and then delivery securely to your client’s mailbox. CPI® maintains pre-sort facilities to reduce your postal costs and specified mail vendors that offer mixed bulk mail to increase security and decrease the probability of mail interception.

Secure Packaging

As a market leader in prepaid, we understand the importance of requiring choice in packaging solutions. We created one of the largest portfolios for secure retail packaging in the market, in addition to having a broad selection of unique mail and kit packages. Choose one of our off-the-shelf products like our patented Ultra Secure Pack™ brand of retail packages or an envelope. Looking for something more unique to your brand? Our package design specialists are available to work with you to create the right package for your given program. Our large product portfolio of secure packaging includes tamper-evident fraud reduction packaging solutions, designated package design resources, and best-in-class print and personalization solutions.

Custom packaging for prepaid, gift, membership, loyalty

Specifics to markets and uses

i. Whether temporary or permanent cards programs are needed, cards for Retail are dependent on packaging. Packaging is the brand-ambassador for your business and CPI® is the industry leader in innovative packaging solutions. Talk to us about what your needs are, let your imagination run wild, and CPI® can help to build the right solution for you for:

1. Single Cards2. Multipacks3. Transit Retail Packaging4. 3 levels of Security

5. Tamper Evident6. Custom Packaging and Design

****Note these may be separate pages, 1 for each type. We are starting with 1 long page.