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Gem Lake | Innovating the Online Payment Experience <br /> Confidential & Proprietary © 2021 | 1 <br />1 Introduction <br />Invoice Cloud provides municipal clients with <br />an easy-to-use paperless billing and payment <br />platform. It offers capabilities similar to what <br />consumers experience when they do online <br />business with Fortune 100 companies like: <br />American Express, Geico, Capital One, or <br />Amazon.com. <br />Whether your organization is small or large, <br />customers expect your payment service to be <br />intuitive, comprehensive, and fast. Invoice <br />Cloud offers multiple payment channels that <br />increase self-service usage, and drive e-bill <br />adoption. We also focus on reducing the <br />number of payment-related calls your <br />customer service team needs to manage. <br />To achieve these results, Invoice Cloud relies on four core competencies: the 4Cs of Effective <br />Electronic Bill Presentment and Payment. <br />1. Cloud: Our application is a true Software-as-a-Service (SaaS) solution. Our clients never <br />have to upgrade or update the system. <br />2. Connect: Our implementation and integration methodology is best-in-class enabling us to <br />launch your system 90 - 120 days after contract signing. <br />3. Convert: The design of multiple payment channels--how easy it is to enroll in self-service <br />options and pay through them--is how Invoice Cloud achieves the industry’s highest <br />electronic payment adoption rates. <br />4. Communicate: Our intelligent communications engine uses event-based reminders (text, e- <br />mail, phone) that are only sent to payers who have yet to take a desired action. This <br />automates communications between you and your customers, drives down call center <br />inquiries, and encourages self-service. <br /> <br />Invoice Cloud (IC) by the Numbers <br />• Founded in 2009 <br />• 130+ different software integrations <br />• 2,100+ municipal and utility clients in all 50 <br />states <br />• $17B+ processed payments in 2020 (roughly <br />84M payments) <br />• 119% average online payment adoption <br />increase in the first year of service <br />• 2.8x average paperless billing adoption <br />• 99.9% system up-time <br />• PCI Level 1 and SSAE 18 (SOC 1 and 2) <br />certified for online payment security <br />• 98% client retention rate