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The Premier Employee Purchase Program

May2016

Presented By:

IAML Services, Inc. 450 Newport Center Drive, Suite 390Newport Beach, CA 92660

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Agenda

The Employee Benefits and Experience

The Employer Benefits and Experience

Let Us Introduce Ourselves1

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Who We Are

What We DoWe make it possible for employees to buy the products and services they need and want through a simple payroll deduction plan. We also provide financial wellness tools and resources that give them control of their financial decisions.

How We Support Our ClientsPurchasing Power supports our clients by providing a no-cost and no-liability benefit that impacts recruitment, engagement, and ultimately retention and productivity to help lower your business costs.

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A Proven Business Model

A+ BBB Rating

The employee purchase program of choice for Pep Boys, Quicken Loans, Time Warner Cable and more.

95% Client Retention Rate

7.6 Million Employees Have Access

Award-Winning Customer Service

$1.3 Billion in Orders Taken

1.2 Million Orders Processed

25 Million Payroll Deductions

* As of 01.2015

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Products Popular Brand Names

Popular Brand Names

Popular Brand Names

Popular Brand Names

Popular Brand Names

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Services

We’ve partnered with four leading online learning institutions to offer their education programs at competitive prices.

Test Preparation Degree Programs Certifications Tutoring

CruisesAll-Inclusive

ResortsHotel

PackagesDestination Packages

Our purpose is to provide a responsible way for people to access the products they need and want. But we also provide them with tools that educate and empower them to take control of their finances.

• Online self-help resources

• Financial education

• In development a new gamification platform

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A Real Life Example

Meet AmberShe fits the profile of our typical customer

Amber needs to buy a new refrigerator. She’s low on cash, and her credit score is below prime.

What are her options?

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Amber’s Options

Subprime/ In-Store Credit Card

Payday Loan

Rent-to-Own

Retirement Savings/ Withdrawal

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Amber’s Not Alone

Many employees share her frustrations:

of 401(k) savers have an outstanding loan against their account.

70Mdo not qualify for prime credit and can’t turn to friends and family for help.

36%do not have at least $2,000 in emergency savings.

21%

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How We Help

A manageable, convenient alternative

Payroll Deduction Greater Financial Flexibility No Late Fees No Credit Checks No Hidden Costs No Interest Upfront Shipping

93% of our customers say our program reduces

their financial stress.

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How Does it Work

Responsible Spending• Tenure and salary requirements • Spending and order limits

Easy, Informed Shopping• Upfront pricing• No hidden fees

Return Policy• Allows for most products to be returned within 30 days• Modified return policies on larger items, like furniture and televisions

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Employer Benefits

Engagement Retention

Productivity Recruitment

Keep Costs Down

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260+ Clients7.6 Million Employees

What our customers say about our program:

Our Proven Results

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We Make It Simple

Streamlined Implementation

Ease of Administration

File Transfer Flow

• Typically 2-4 hours a month

• 8-10 hours of your time over a 4-6 week period• Involves your Payroll, HR & IT departments

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We Make It Simple

Employee Communications• Created and delivered by us• No cost to you • Mailers, flyers, onsite events, and emails

Main Promotional Campaigns • Spring: March 15 – April 15• Back to School: July 15 – August 15• Holiday: November 1 – December 15

Full Program Support• Designated Account Manager and Client

Services Manager• Performance reports• Updates on new products and services• Minimizes your administrative burden

Benefit Fairs

Emails

Flyers Mailers

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Program Optimization

0.1%

1.5%

2.4%

4.0%

Nothing Mail & EmailOnly

Mail + EmailAND Benefit

Fair OR Trainthe Trainer

AllTouchPoints*

Penetration Rates (First 30 Days) by Launch Touch Points

Penetration rates improve as we add more touch points at the client launch.

More communication channels Higher program utilization

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Thank You! For More Information:IAML Services, Inc.949­760­1700www.iaml.com450 Newport Center Drive, Suite 390Newport Beach, CA 92660Newport Beach, CA 92660