FSV’s ePayroll SolutionSuperior Employee Adoption

FSV supports your direct deposit campaign with proven marketing materials.

We promote the benefits of pay cards to your self-banked employees.

Make Your ePay Choice Choose to save time and money every payday.

Don’t let paper paychecks slow you down. Electronic pay is a greener, more efficient way to deliver pay. Plus, by offering payroll cards, we can ensure that everyone has the opportunity to enjoy the freedom of direct deposit.

It’s easy. Just make the ePay Choice that’s right for you and have your pay delivered electronically to:

With the PaychekPLUS! Elite Visa Card, you don’t need a bank account to enroll and to get your pay in your pocket every payday. Choose to receive your pay on the payroll card, and you can also: Enjoy multiple ways to access your pay without a fee. No more check cashing hassles! Use your payroll card everywhere Visa debit cards are accepted. More convenient purchase options! Pay bills online, in person or by phone. More ways to make payments! Manage your account online. Better financial control! There is no fee to setup a savings account. Earn interest and save for the future!

Both ePay options offer immediate access to your pay on payday while eliminating the cost and hassle of cashing paper paychecks.

OR

Your Current Bank AccountA PaychekPLUS! Elite® Visa®

Payroll Card

Make Your ePay Choice today.Ask your manager for sign up instructions.

If you use direct deposit today, you do not need to take action, since you already receive your pay electronically.

If you currently receive paper paychecks and do not make a selection, your pay will be deposited on a payroll card. The PaychekPLUS! Elite Visa Payroll Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. The Bancorp Bank; Member FDIC.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain,

verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information

that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.

CORE 1001

Special Situations —

Preauthorization Holds

If you’ve ever used a debit card, you know that sometimes holds are placed on funds

when the total purchase price is unknown at the time the card is swiped. That’s true

with your pay card, too. Once a hold is placed, you can’t access the funds held until the

hold expires, which could take days!

TippingWhen you pay somewhere tipping is customary, like a sit-down

restaurant or a hair salon, up to 20% more than the purchase price

will be held until the total with tip, if any, processes.

At the Pump

Pay inside! If you pay at the pump, there’s no way to know how

much gas you’ll pump, so a hold of up to $75 or more will be placed on

your card.

TravelHotels and rental car agencies place large holds on your funds based on

their estimates of your final bill.

What about fees?

While there are many ways to access your funds without a fee, some services

and transactions have fees. A list of possible fees is included in the Cardholder

Agreement and viewable online at www.paychekplus.com.

Your PaychekPLUS!

Elite® Visa® Payroll Card

Access. Opportunity.

Convenience.

The PaychekPLUS! Elite Visa Payroll Card is issued by The Bancorp Bank pursuant

to a license from Visa U.S.A. Inc. The Bancorp Bank; Member FDIC.IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the

funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and

record information that identifies each person who opens a Card Account. What this means for you: When you open a Card

Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may

also ask to see a copy of your driver’s license or other identifying documents.

“Now that I have my pay card I don’t wait around

for my check to show up. I can go on vacation

or enjoy a day off and still get my pay.”

Need Help?

FAQs and helpful tips are available at www.paychekplus.com, and the

toll-free number for customer service is listed on the back of your card.

Save the customer service phone number where you can access

it in case you lose your card. Call customer service immediately to

report a lost or stolen card.

Getting Cash at an ATM

� Insert your card and enter your PIN when asked.

Select “Checking” and the amount you want.

Take your card, cash and receipt.

Making Purchases

Swipe your card or hand it to the cashier.

Select “Debit” or “Credit.”

Some merchants will automatically process your purchase as a

“Credit” transaction, and you will not need your PIN. For “Credit”

transactions, simply accept the amount, sign your name, take

your receipt and go.

If you choose “Debit,” enter your PIN and accept the amount to

complete the transaction. At participating merchants, you can

also get cash back for no additional fee.

Know your balance. Avoid holds when you need

immediate access to your funds.

Set up Text Alerts*, and you can get your balance at

any time by texting “BAL” to 90831.

*Standard text messaging rates apply.

You share the responsibility for

protecting your funds. Never share

your PIN or password with anyone.

Never store them with your card.

CORE 1003

Empowering Your Employees (Our Customers)

You want paperless paydays and the related cost savings, efficiencies and environmental gains. You can get there, but only if your electronic payroll program is overwhelmingly adopted by employees. This is where we shine. FSV’s proven employee adoption strategy and valuable pay card offering deliver the exceptional conversion rates you need to reach your goals.

The Right Approach

We understand. Payday is personal. Employees can be nervous about changing how they receive their pay. Yet, our ePayroll offers a paperless payroll solution that employees gladly adopt as a lifestyle-enhancing benefit. How do we do it?

First, our marketing program focuses your direct deposit campaign on the benefits of paperless paydays — promoting direct deposit to bank accounts alongside network branded pay cards. By offering a choice of electronic pay options, you empower employees. Then, for employees who don’t choose the bank account option, our compelling marketing campaign ensures pay cards are considered a desirable, even aspirational alternative — one that improves upon employees’ existing financial habits and actually enriches their lives.

www.fsvps.com

The Right ProgramWhat your employees will love about their pay cards...

Could your employees benefit from pay cards?To find out more, contact FSV at 800.881.1945,visit www.fsvps.com or email sales@fsvps.com.

Immediate, convenient access to their pay — without having to pick up their checks or go stand in line somewhere and pay to cash them

Multiple ways to access their pay without a fee — avoiding check cashing fees

The purchase power, security, convenience and prestige of carrying a Visa®, MasterCard® or Discover Network® branded card

Cash back at point of sale (POS) — an easy, economical way to get cash

Surcharge-free access to more than 55,000 Allpoint ATMs

Account alerts with important balance information delivered anytime, anywhere via text or email

Excellent, multi-lingual customer service

Online and phone access to pay and paystubs

The option of convenience checks

Cash Back RewardsGives employees cash back from merchants for qualifying purchases

Interest-Bearing Savings Account Encourages employees to plan for their financial future and helps them save for unplanned expenses

Prepaid CardConnect Mobile App Allows employees to manage their card accounts on the go. Available at no cost for iPhone® and Android™ phones.

Enhance your payroll solution with additional beneficial product offerings…

Bill PayLets them make instant payments (for a small flat fee) anytime, anywhere to thousands of payees online or by phone

Electronic Distribution of W-2s Provides employees secure access to year-end W-2 statements

The Right Partner

We offer your employees convenient, economical products that benefit them and help them meet their financial needs. And we are continually adding to our product offerings, with your employees (our customers) in mind. Our pay card program is geared toward longterm customer satisfaction.

We educate your employees on how to get the most value from their pay cards. We don’t let them draw more funds than they have, so you won’t hear from an employee who paid $35 for a cheeseburger that came with a side of overdraft fees. Your employees expect 24/7 access to customer service, and we provide it — all day, every day. You’ll find that we’re committed to making your employees happy. After all, they’re also our customers.

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