Simplifying your financial supply chain. Payments Unbound.

At WEX we recognize the challenge and responsibility companies have for delivering profitable revenue growth we share a common commitment to support operational efficiency, service excellence and continuous improvement. Why we are unique: SYSTEMS & PROPRIETARY TECHNOLOGY. We are a world-class issuer and processor of multiple payment modes, moving over $65B in transactions annually. Our non-stop processing platform delivers 24/7 realtime transaction processing, expense management control and settlement services. Our proprietary technology was built from the ground up giving us a scalable, flexible and responsive platform to meet the evolving needs of our customers. CONTINUOUS IMPROVEMENT THROUGH PRODUCT INNOVATION. Our focus on customerdriven value through product innovation and continuous improvement, ensures we deliver simpler, more efficient and secure electronic payments. Payment innovation is part of our DNA and enabled through our systems and proprietary technology helping customers streamline business processes, reduce costs and drive incremental margin improvement. PROVEN BUSINESS PROCESSES DRIVE RESULTS. Our proven five-step business process incorporates strategy, structure, operations, enablement and measurement. From the moment of engagement, our experienced service team is collaborating with you to develop a well-defined electronic payments program through strategic design, consulting, integrated service offerings and relationship management. EXPERIENCED PEOPLE & EXCEPTIONAL SUPPORT. We are agile problem solvers committed to helping you achieve your goals. Our personalized service model is supported by knowledgeable and experienced associates that go the extra mile to ensure you get the most from your program. CONSULTING SERVICES. We partner with some of the leading industry service providers to deliver information and businesssolutions you need to deliver greater shareholder value. Look to WEX consultants to assist you innavigating the landscape for finance and information solutions including merchant acquiring services, general purchasing solutions, ERP integrators, and a wide variety of other categories like supply chain financing.

Our Solutions: Supplier Enablement Our knowledge and expertise is built on 50+ years of helping our clients optimize payments and simplify the financial supply chain. Corp. Travel Card Virtual Account AP WEX Ultimate Card Purchasing Card SUPPLIER PROGRAMS COMMERCIAL CARD SOLUTIONS AP SOLUTIONS Integrated Payables Managed Payables Virtual/ Ghost Cards Data Analytics Expense Management Reporting Paygenus Payment Network WEX Payments Unbound. wexpayables.com 3

WEX helps clients simplify the financial supply chain delivering a seamless approach to the procure-to-pay (P2P) process. WEX IS THE COMPANY THAT POWERS INSIGHTS, EFFICIENCY AND GROWTH. As a global leader in corporate payments solutions, WEX simplifies the complexities of payments systems across continents, and industries including fleet, travel, healthcare and corporate payments. With over 2,700 associates in the Americas, Europe, Australia, and Asia, we give our customers in industries across the globe greater control over their business, providing visibility and actionable insight so our clients can focus on taking their business to the next level. By creating solutions that sit at the intersection of payments, data and technology, we re bringing the future of commerce to today s businesses and unleashing the potential behind payments. According to The Forrester Wave, the automated P2P market is growing at 11% per year. The top e-p2p platforms drive more than $3 trillion in business-to-business (B2B) and business-toenterprise (B2E) e-commerce each year, which is more than three times what businesses spend through direct sell-side e-commerce sites, like Amazon. WEX is committed to delivering world class business solutions designed to provide you greater control and automation over the P2P process from requisition to reimbursement helping you lower costs and streamline processes. As a world-class global payments provider and agile problem solvers, we are focused on helping clients simplify the financial supply chain while providing the financial benefits of lower costs, streamlined processes, risk mitigation and margin contribution. WEX brings all elements of the P2P process together in a cloudbased application designed to optimize every aspect of the financial supply chain. Our holistic approach, which includes online procurement invoice processing workflow approval and payment execution, focuses on efficiency, compliance, savings and working capital improvement for our clients. 4

Our Payment Solutions Our Payment Solutions focus on enriching the buyer and supplier relationship by optimizing the payables process and moving to electronic payments. Reduce costs Our solutions reduce manual processing costs and improve invoice reconciliation by moving to electronic payments. Mitigate risk Increased control and visibility helps mitigate risk of errors and potential fraud. Streamline processes At WEX, we provide the ability to leverage a bank agnostic framework to streamline payment execution. Generate revenue You achieve margin improvement from optimized payables, plus earn revenue on spend processed through the program. WEX Payments Unbound. wexpayables.com 5

AP Invoice Automation You can reduce your invoice processing costs as much as 67% by automating invoice management and reducing paperwork thus freeing your employees to focus their efforts on winning, serving and retaining customers. WEX partners with some of the leading industry providers to bring our clients flexible options for invoice automation. With WEX, you can simplify and speed up invoice capture, workflow approval and payment execution while providing more visibility into every step of the process. Virtual Account AP Virtual payments are expected to reach $160 billion in 2018, and exceed half a trillion by 2024. 1 Streamline your AP process with virtual account payment optimization by WEX. Our Virtual Account AP program utilizes Virtual Card and Ghost Card payments via the Mastercard Payment Network to provide buyers an efficient and seamless way to pay their suppliers for invoice-based spend. Flexible issuing options. Issue one-time or recurring virtual or ghost card payments through our secure web portal. Easy reconciliation. Easily reconcile purchases with our robust account management web portal. Seamless ERP integration. Seamlessly integrate with GL accounting systems to save time and avoid errors. Better data visibility. Real-time access to transaction information and robust reporting flexibility through our account management web portal. Multi-channel supplier enablement. Comprehensive campaign strategy and execution through our dedicated Supplier Enablement team to maximize program enrollment. 6 1 firstannapolis.com

According to Gartner, a 5% reduction in operating costs can have the same impact as a 30% increase in sales. WEX IP As companies seek to reduce operating costs and unlock cash flow from day-to-day operations, the most successful organizations have discovered that focusing on payment optimization, or making The Perfect Payment, is a means to uncover hidden value and added cost savings. At WEX, we re delivering solutions that enable companies to simplify the financial supply chain by delivering a seamless approach to the P2P process. WEX Integrated Payables, or as we like to say WEX IP, is the ideal solution for companies looking to reduce operating costs and optimize cash flow. WEX IP provides you the ultimate bank-agnostic platform to successfully manage and optimize all AP disbursements, regardless of payment type. Through a centralized cloud-based application, WEX IP easily connects with any ERP or financial system, automating the payment, remittance delivery and reconciliation process across all payment types. At WEX, making The Perfect Payment just got easier. We take you 100% electronic payment processing on day one all while providing cost savings, greater discount realization, increased security, improved supplier relations, flexible payment options, greater visibility, and more. In short, it s what we like to call the WEX IP Advantage and it s how we re unlocking the power behind payments and making payments faster, smarter, and simpler. THE PERFECT PAYMENT IS PAID ON TIME, SETTLED ELECTRONICALLY AND ACHIEVES THE GREATEST AMOUNT OF DISCOUNT AVAILABLE. The WEX IP Advantage: 100% electronic payments Day One Cost savings Increased security Improved supplier relations Flexible payment options (Virtual Account, ACH, EFT with a discount, Global Payment delivery, and Check) Greater overall visibility Bank agnostic network and platform WEX Payments Unbound. wexpayables.com 7

Commercial Card Solutions Get more control and visibility over spend. Simplify your business payments and turn manual processes into automated electronic payments, with our commercial card solutions. Increase spending controls Our commercial card solutions give businesses of all sizes greater control over expenses. Enhance visibility Dashboards and enhanced reporting tools show consolidated spend views and provide greater insight into purchasing patterns and trends. Unlock the strategic value in electronic payments. Making electronic payments can bring costs-per-payment down by 55 to 80%. 2 Most businesses today recognize that electronic payment solutions are more efficient and less costly compared to check writing. The top reason respondents to a 2016 Association for Financial Professionals (AFP) Electronic Payments Survey plan to shift to electronic payments is the long-term cost savings their organizations will gain. Moving to electronic payments eliminates most if not all of these operating efforts, and the result is significant cost savings. Streamline procurement At WEX/EFS, our electronic payments streamline the procurement process through improved workflow automation. Reduce costs Our commercial card solutions eliminate paper and manual processes, thus reducing costs and adding more value to your bottom line. Enhance supplier relationships Your suppliers will benefit from cost reductions, faster payment receipt, reduced days sales outstanding (DSO), improved cash flow and potential for increased share of business with your company. Real-time Visibility and Control We provide complete visibility and control over managing your WEX commercial card solutions through our isimplifypayments.com web portal. isimplifypayments.com offers the latest in responsive technology to provide a better user experience and help simplify managing complex business payments through our secure web portal. isimplifypayments.com offers: Real-time control over cardholder transactions Instantly set limits in real time Real-time access to set up new cardholders Track cardholder activity in real time Access comprehensive reporting 8 2 March 2014 article in The Wall Street Journal

ULTIMATE CARD One Card. One Platform. Everything your business needs for total purchasing power. The WEX Ultimate Card is an integrated card program leveraging the Mastercard Network that combines the functionality of two or more commercial programs travel and entertainment, purchasing, and fleet into a single card or account. This gives you superior flexibility, unified data capture, and enhanced expense reporting and control. PURCHASING CARD Purchasing Simplified. WEX s Corporate Purchasing Card is a specialized product to help you streamline the procure-to-pay process and reduce the costs associated with authorizing, tracking, purchasing, and reconciling business purchases. Not only does it help streamline processes, but it also gives you a new level of control that can truly help your bottom line while taking advantage of supplier discounts. CORPORATE TRAVEL CARD Gain Control. Simplify T&E Expense Management. Control spending and provide employees with more flexibility with WEX s Corporate T&E Card. Our program is designed for organizations whose employees travel on business and we make trips easier to plan, more productive, and less expensive through enhanced spending controls for both you and your travelers. VIRTUAL/GHOST CARDS Unlocking the potential behind payment optimization. Pay your suppliers with ease, but with increased security and protection. Instant-issue Mastercard Virtual Cards allow you to create a unique single-use account number with a specific amount, expiration date, and merchant category. Or you can make repeatable payments to a single merchant with the Ghost Card (AKA Supplier Card) feature. Virtual/Ghost/Supplier Card payments easily integrate with your existing AP process to significantly improve efficiencies for both you and your suppliers by simplifying the purchase order process. EXPENSE MANAGEMENT Conquer expense reporting pain. WEX s expense management solutions help manage and control T&E costs while automating your workflow process taking the pain out of expense reporting. We offer a widerange of integrated expense management and reporting tools to meet your business needs and satisfy cardholders through an improved user experience. WEX shows you where your company spends money, on what and with which vendors. You gain visibility and insight to key spend metrics and analytics with the ability to identify cost-saving opportunities and rein in out-of-policy expenses. WORKPLACE SOLUTION CARD Better control your budget for special projects. Designed specifically for organizations focused on budget control for a department, special project or vendor. You determine and set the budget and load those funds to the card. As funds are drawn down to pay for the project or department needs, we track every transactions to ensure adherence to your policy. This card is perfect for infrequent travelers, tradeshows/ events, relocations, special projects and more. WEX Payments Unbound. wexpayables.com 9

Dedicated Supplier Programs WEX is focused on a balanced and enriched approach to the buyer/ supplier relationship as it relates to commercial payments. Supplier enablement programs by WEX, deliver significantly more supplier participation the result of our proven framework and integrated service team approach. We deliver results through focused execution on a sustained basis. A successful program begins by effectively stratifying your suppliers for electronic payment conversion considering a variety of factors: Paygenus Payment Network Paygenus is our powerful B2B payment network that connects buyers and suppliers, while delivering simplified payment execution. Comprised of hundreds of thousands of members, Paygenus delivers a standardized approach to payment processing, cost savings, improved cash flow and a balanced approach across the financial supply chain. Paygenus is the network that powers our electronic AP solutions such as Integrated Payables and Virtual AP. Every day, we strive to deliver value to members of our community in a balanced approach for both buyers and suppliers. THE PAYGENUS BUYER ADVANTAGE: Bank agnostic framework Multiple payment types Migrate to electronic payments Day One Reduce costs Optimize discount opportunities Simplify integration / remittance / reconciliation THE PAYGENUS SUPPLIER ADVANTAGE: Faster electronic payment delivery Full remittance data Reduce DSO Reliable, secure settlement Better visibility over payment timing / details Accelerate the sales cycle / lower cost Disbursement timing release The cost of processing Enhanced discount capture The ease of reconciliation between buyers and suppliers BUYER Direct cost savings Discount capture Revenue generation Accelerated adoption Safe-secure execution WHAT WE DO: 1 2 3 4 5 6 SUPPLIERS Flexible payment options Flexible remittance options Electronic settlement Safe-secure acceptance ABOVE: A successful program begins by effectively stratifying your suppliers for electronic payment conversion considering a variety of factors. Supplier Segmentation We help our clients understand where to leverage Virtual Cards and discount administration based on market research and historical results. Supplier Engagement We deliver value by engaging, enabling and providing suppliers easy access to enroll. Supplier Management Collaborate and communicate is our approach. We provide program support and training, online remittance data, discount administration and payment resolution. 10

Our Clients and Partners Deserve the Best Service and Support At WEX, we are empowering our customers with a disciplined approach to achieving the perfect payment one that is electronic, accurate and paid on time with an optimized discount delivering real value and bottom line savings. Payment Optimization is our ultimate goal as we work with each of our valued clients to achieve results. We are agile problem solvers committed to helping you achieve your goals. Our personalized approach ensures you get the most from your program. BEST PRACTICES We will equip you with Best Practices designed to ensure sustained financial results. Best Practices include: Executive sponsorship and organizational accountability for maximum results Implement a program branding strategy for optimum results Leverage electronic payments to drive value Standardize payment terms, optimize discount payment modalities and balance supplier value Set S.M.A.R.T. goals Escalate all requests for change of payment type and/or terms to management for approval Every supplier engagement is an opportunity to improve relationship results All supplier bank account data should be securely protected and changes validated before enacting settlement Use regular reporting to communicate the program s contribution to senior leadership Implementation Support & Project Management Our proven five-step business process incorporates strategy, structure, operations, enablement and measurement. From the moment of engagement, our experienced service team is collaborating with you to develop a well-defined electronic payments program through strategic design, consulting, integrated service offerings and relationship management. We help you design and develop processes, marketing and messaging materials necessary to drive the enablement and ongoing support of suppliers. We also offer project management, infrastructure and quality assurance processes critical to the success of an optimized program. Our dedicated individuals are knowledgeable, responsive and communicate proactively to ensure repeatable and reliable service with a focus on continuous improvement. WEX Payments Unbound. wexpayables.com 11