(Discover) financial solutions for your campus

One element of our shared course for success is to

improve and empower higher

education through choice—

from giving students and their families multiple ways

to easily make payments to electronic financial aid

disbursement methods. Whether used individually or

in concert with each other, our solutions are designed

to improve life for both your students and staff.

W HO W E ARE

“Leadership and learning are indispensable to each other.” - John F. Kennedy

With Higher One, your campus is on a shared course for success.

Helping you guide your students on their path toward their academic success is

our main focus. The most effective student success programs help support students

in their academic, social and financial lives—especially through their first and second

years. Your office is uniquely positioned to help the student pay for their academic pursuits.

Our Refund Management® Disbursement Service and CASHNet® Payment Solutions

help you empower your students to quickly receive their financial aid or other refunds,

or easily make payments to your campus. With Higher One, you can ensure your students

are equipped for success. In addition, our offerings help your office improve efficiency,

enhance student service and be compliant with the various rules and regulations which

apply to refund disbursements or payments.

Help them pay anywhere, anytime!Our CASHNet Payment Solutions offer your students and their families intuitive and easy-to-use services to help pay for college-related expenses.

CASHNet Products

Simplify billingWith eBill, your campus can improve service to students and parents/payers by automating billing presentment and processing functions performed on campus and expanding payment options.

Benefits for your staff• Automate bill presentment (including 1098-T and 1098-E), delivery and processing on the web

• Eliminate labor and postage costs associated with printing and mailing student bills

• Electronically deliver and present complete student accounts, static bills, new charges and payment history

Key features for students and authorized users• Secure single sign-on compatibility with existing campus portals

• A comprehensive view of all account information including non-tuition charges

• Email and text alert notifications

• Expanded payment options:

PAY IN FULL via credit card or electronic ACH

PAY IN INSTALLMENTS through your campus’ installment plan

Set up recurring payments with a credit card or ACH

PAY LATER by printing the bill and mailing with a check

Additionally, by combining eBill with our Dynamic Billing module, students can view real time balance updates to the student portal, including estimated financial aid. This combination also gives campuses the ability to customize the view to only display preferred information.

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CASHNet Payment Solutions | eBill

Benefits for your staff• Collect credit, debit and electronic ACH payments anytime, anywhere over the web

• Accept multiple tender types to enable your business office to accommodate the needs of parents, students and authorized users

• Offer convenient payment options to allow students to pay in full, in installments, automatically or at a later date

• Use our User Emulation module to view a portal exactly how a student does

• Process transactions securely on a PCI DSS-validated platform designed to help you be compliant with applicable standards and laws

• Easily integrates with many ERP systems

Key features for students and authorized users• Different payment options including credit card, ACH, debit card, campus card, foreign currency

• Hassle-free international payments accepted with Western Union integration

• Self-service with single sign-on campus portal integration available 24 hours a day, 7 days a week

• Recurring payment options

• FERPA-compliant parent PINs set up by the student, so they remain in full control of their own account

• A single sign-on function that allows for quicker access to account information

Easier ways to payWith ePayment, your campus gives students, parents and other authorized users the ability to view current balances and securely make payments over the web, while simultaneously helping campuses streamline operations and reduce costs.

Add the SmartPay solution to ePayment to reduce the cost of accepting credit card payments.

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CASHNet Payment Solutions | ePayment

Additional Options

Benefits for your staff• Streamline business office operations while Higher One handles credit card reconciliation, chargebacks, refunds and voice authorizations

• Funds, previously paid as credit card fees, can be redirected for capital projects, schools programs, etc.

• Integration with the full Payment Solutions suite

• Toll-free customer service number for students and their authorized third-party payers

• Operates independently or in conjunction with eMarket and ePayment

• Helps your campus to be PCI-compliant

Note: SmartPay not available in all states

Our SmartPay solution offers your campus the option to receive distribution of funds within two full business days following the payment date, helping to keep receivables as simple and complete as possible.

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CASHNet Payment Solutions | SmartPay

Reduce the cost of accepting credit card paymentsSmartPay offers a one-stop electronic payment processing solution for credit card transactions. Your campus has the ability to determine which type of charges will carry a convenience fee or service fee. When a student makes a payment against that charge, they will be assessed the convenience fee or service fee. The student is notified several times during the transaction that a fee is being assessed.

With SmartPay, credit card information is not stored on campus. Higher One uses a multi-layered approach to security and privacy to help reduce risk to your campus and house data in a secure environment.

Our Payment Plan Software allows students or authorized payers to enroll in one or more payment plans that you have specifically tailored to meet your needs and that you manage in-house.

COST SAVINGS | Save on both administrative and marketing costs and reallocate resources

FLEXIBILITY | Many plans and payment options to help attract and retain students

CONVENIENCE | Position your school as an advocate for convenience and gain a competitive advantage

HIGH VISIBILITY | Increase awareness of your payment plan availability, for an increased adoption rate, through multiple channels using materials designed by Higher One’s campus education team

A UNIQUE CUSTOMER SUPPORT MODEL FOR BOTH YOUR STAFF AND YOUR STUDENTS

• Campuses are provided with support representatives and a Relationship Manager for the life of the contract

• Students are provided an expedited customer support number with a dedicated call center ready to help solve their issues

The ability to create CUSTOMIZED PAYMENT PLANS–especially for specific services such as tuition, housing and meals

CUSTOMER-SPECIFIC PLANS Students only “see” the plans for which they are eligible

Different payment options including credit card, ACH, debit card and campus card

IMMEDIATE ACCESS to collected funds

INTEGRATION with your existing campus portal

ADMINISTRATIVE ACCESS to aging reports for each student’s account

The capability to generate plans according to your specific business rules and eligibility parameters

Give students more ways to payPayment Plans offer a set of choices and capabilities for colleges and universities that use flexible tuition payment terms to help their students manage the growing costs of higher education and persist on their course toward academic success.

CASHNet Payment Solutions | Payment Plans

Full-Service Payment Plans

Choose between Full-Service Payment Plans or Payment Plan Software

Payment Plan Software

Benefits for your staff• Enrollment online via an electronic signature

• Different payment options including credit card, ACH, debit card and campus card

• Fixed and variable plans of any frequency or term

• Bills, reminders and receipts automatically emailed and/or messaged to cell phones

• A provision for full participation by parents or other approved payers

• Review of payment plan details, balances due and payments remaining*

• Automated recurring payments*

• Account balance payments*

Use the SmartPay solution with your Payment Plans to reduce the cost of accepting credit card payments.

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*Only available to authorized third parties

• On-the-fly configuration for “quick click” payment processing

• Web-based Departmental Deposit entry and receipting

• Encrypted card swipe capabilities for cashiering stations with SecureMagTM

• SecurePadTM offers encrypted manual keypad entry for card numbers

• Research and report on all customer information from one place

• Tailored to match your specific campus business policies and procedures

• Reduce the cost and effort related to PCI compliance

• Improve processing time

• Simplify end-of-day balancing and reconciliation

• Easily integrates with many ERP systems

Benefits for your staff

Key features for students and authorized users• Expedited in-person payment experience either in the business office or attending a campus activity

• Flexibility of multiple tender types

• Fast updates to student account balances

CASHNet Payment Solutions | Cashiering

Provide an in-person payment optionGive students the option to make an in-person payment either in the business office or through our mobile solution.

Our Cashiering solution enables campus departments to process “over-the-counter” payments, streamlining the process into a one-step, one-stop transaction with easy back-office reconciliation.

Mobile payments offer added convenience to your students at campus eventsTurn your iPad® into a mobile cash register with Higher One’s Payments app

• Added security with encrypted mobile card reader

• The ability to accept any major credit card (Visa®, MasterCard®, American Express®, etc.)

• No additional processing time for mobile payments

• Data integration with online products to ease reconciliation

• Convenient feature to easily find payment transactions

iPad is a trademark of Apple Inc.

Easily set up online stores!Create storefronts for your students to experience with our point and click eMarket technology. eMarket offers your campus departments a secure yet easy-to-use tool for creating their own online storefronts—without using valuable campus IT resources. Customizable and fully equipped to help you be PCI-compliant, this module is an ideal solution for creating, controlling and managing the growing number of online storefronts on your campus.

With eMarket-driven departments:• Create, manage and operate a storefront with its own URL and sell only the items you choose

• Provide a simple shopping environment with photos, descriptions and one click payment at checkout

• Offer a variety of payment tender types including foreign currency

• Easily integrate with other campus applications to provide back-end payment processing

• Allow 24/7 convenient access for your customers via a mobile-friendly eMarket website

With an easy-to-use template, rapidly create online storefronts for campus departments to accept credit card and ACH/EFT payments

Use this feature to add a shopping cart/ payment page to an existing storefront

Storefront

Checkout

eMarket offers two components which

can be used independently or together:

Your business office can use eMarket to immediately and uniformly update campus commerce related policies throughout all departmental storefronts. In addition, they can store all transaction information in the central CASHNet database. Centralized information establishes a permanent audit trail for reconciliation, internal audits and inquiry.

CASHNet Payment Solutions | eMarket

The Assisted Payments feature allows a departmental user to accept over-the-phone payments.

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Additional Options

Put your eMarket on the move with our Payments app for iPad!

The app offers:

• Added security with an encrypted mobile card reader

• The ability to accept check and cash payments

• No additional processing time for mobile payments

• Data integration with online products to ease reconciliation

• A convenient feature to easily find payment transactions

Benefits for your staff• Refunds are processed securely and efficiently

• Higher One handles all exceptions and customer service, allowing staff to dedicate their resources to doing what they do best: serving students

• Increased savings due to the reduction of paper, ink, toner and postage associated with the paper refund process

Streamline the disbursement of financial aid refundsAs the number of students receiving financial aid rises, colleges and universities find themselves handling an ever-increasing number of refund disbursements. Our Refund Management Disbursement Service can help simplify the distribution of these refunds and offer increased cost savings in the process.

Additionally, our Refund Management service helps your campus be compliant with the Department of Education's regulations related to the distribution of Title IV refunds. Our Compliance Service provides even more support through a resource dedicated to providing the assistance needed during an ED review related to Title IV funds disbursed through our service.

Campus gathers refund information and sends it to Higher One

Higher One disburses refunds based on preference selected by the student

Campus wires the total disbursement amount to Higher One

Higher One handles all exceptions and all customer service

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Key features for students and authorized users• Multiple electronic refund options delivering 100% of refunds at no cost to students.

• Students can change their refund preference at any time

• Option for text message alerts regarding their refund status (regardless of the refund preference they select)

• Numerous customer service channels available, including phone support, an online self-service FAQ database available 24 hours a day, 7 days a week, and social media outlets

Higher One® Refund Management®

How it works:

Additional CASHNet solutions and modules

Additional Refund Management® solutions and modules

Discover the value Higher One can add to your campus at HigherOne.com

Accept payments from international students (ePayment and eMarket).

Securely process eMarket transactions over the phone.

Provide enhanced customer support with the ability to access a student's account to accept payments by phone, as well as access and analyze transactions from the student interface.

115 Munson Street New Haven, CT 06511

1.866.444.4379 ext. 4113

www.HigherOne.com

Easily transition your internally managed direct deposit refund program to Refund Management.

Electronically handle payroll services for students, faculty and staff.

Disburse PLUS Loan refunds directly to parents.

Give your students the ability to view and download their tax forms electronically.

Identify cases of fraud quickly and with greater accuracy.

© 2014 Higher One, Inc. All rights reserved. Higher One and Refund Management are registered trademarks of Higher One, Inc.