1. Marine Field Employee Pay Cards

2. Why Go To Pay Cards Pay checks getting lost in the mail Finding places to cash checks Increasing fees for cashing checks Many checks with wrong addresses being returned to Corporate Cost of stop payments/replacement checks Because of above, delays in getting our employees paid on time Paper checks are becoming more and more obsolete FE Orientation

3. Card Facts Detailed in Cardholder Agreement Max deposit $7,500 Max on card $15,000 (Note: funds can be transferred to an associated savings account) Common Fees Out-of-network ATM withdrawal $1.75 (+ fees from that ATM/Bank) Balance inquiry at ATM for $0.75 Inactive account with funds (180 days) $5.00 per month Non-sufficient funds fee $0.50 - $0.75 (buying more than what’s on your card) NOTE: Fees cannot create a negative balance

4. Card Facts (Continued) Detailed in Cardholder Agreement Companion cards - no fee Replacement cards $5.00 fee Expiration after 3 years, just like credit and debit cards This applies to cards that have been issued and cards in your inventory For any issued card, the employee will receive a new card mailed to their mailing address on file prior to their expiration date Allpoint Network www.allpointnetwork.comwww.allpointnetwork.com World’s largest surcharge-free ATM network In Target ®, CVS ®, Walgreens ®, etc. Find locations on website or via a mobile app !

5. Instant Issue vs. Personalized Instant Issue Card Make purchases anywhere Visa debit cards are accepted – in person, online, by phone Available to existing employees and new hires Used for lost/stolen replacements Numerous lifestyle-enhancing features Personalized Card All of the above, plus embossed with employee’s name Issued for free upon request FE Orientation

6. Mobile Application Access To: Card Balance Card History Text Alerts Find ATM Locations Transfer Funds FAQs Contact Us Developed for iOS and Android Operating Systems FE Orientation

7. Managing Card Account Online Guidance on card features, how to use and helpful tips Account balance and activity Monthly statement and account history Update PIN, address, etc. Sign up for card features By Phone – Toll-free Self-service automated IVR Access live service 24x7x365 Report lost/stolen cards Dispute transactions www.paychekplus.com FE Orientation

8. Replacing a Lost or Stolen Card * Cardholder may be assessed a $5.00 replacement fee. Employee reports lost card to FSV customer service Employee obtains new card packet from work site Employee calls FSV customer service Funds moved to new card* Please note! It is not necessary to enter replacement card information into Accuterm. This is handled by FSV. FE Orientation

9. ATM Locations FE Orientation

10. Marketing Materials Payroll stuffer Tri-fold brochure Poster Letter from Manager Envelope contents

12. Marketing Materials Benefits of Paycard Tri-fold Brochure ePay Handout/Poster FE Orientation - Handouts Do Not give the Tri-Fold Brochure to Field Employees

14. Envelope Contents PaychekPLUS! Elite Visa Payroll Card Cardholder Agreement Card Carrier Card Packets Include: Card Card Carrier Cardholder Agreement How to Use Guide Privacy Policy How To Use Guide

15. FE Orientation

16. Pay Options Form Fill out completely and choose one of two options: Pay card Direct deposit

17. Card Number vs. Account Number XXXX xxx

18. Activating Your Pay Card Employee logs into www.paychekplus.com or calls 1.877.889.0050 (on back of card) to activate card Selects PIN Enrolls in Products (i.e. Text Alerts, Bill Pay) FE Orientation

19. Pay Stub Access Info Online: www.epaystubplus.comwww.epaystubplus.com Phone: 1-877-epaystub Text: Text PAY to 90831 Pay history as of effective date will be available for 5 years

20. Pay Cards for Field Employees

21. Process for Current Field Employees If an employee is on direct deposit and wants to switch to a pay card: they will complete the Pay Options form, you will give them an instant issue card and have them complete the Pay Card Tear Off Sheet. Staple the Tear Off Sheet to the Pay Options Form and send to the HR Department. If an employee elects to Opt Out, they must come in to talk to the Manager to fill out the Opt Out Form. This form is then scanned and emailed to Kathy Kuse, original is sent to HR. Personalized cards will not be necessary to enter

22. Pay Cards for New or Rehired Field Employees All new and rehires must be given a pay card The Admin will enter the pay card info into Accuterm If direct deposit is elected by the employee, a voided check is needed and the info will be entered into Accuterm by the Admin Send all originals to Corporate with green folder or rehire paperwork (if required) If you give an employee a pay card, their info must be entered right away so that they can activate their card Have employee activate his card 24 hours after receiving it Direct deposit will be active much quicker with the offices entering the info

23. Pay Stub Options for Field Employees Employees have 3 options listed on the Pay Options Form Online/electronic (Preferred) Hold – the office prints on check printer and employee picks up (Most preferred) Mail – the office prints on check printer and mails to the employee (Least preferred) The Admin is responsible for running report to see what needs to be printed and picked up or mailed If electronic is elected, it will not print at the office If currently on direct deposit, the stub will still print as is

24. Time Cards for Field Employees who Elect an Electronic Pay Stub Suggestions: If you must mail time cards, mail 5-6 to cover a month If you are mailing their pay stub, mail their time cards too Reps go visit employees on job sites and hand out time cards Give extras to the job site Superintendent

25. Accuterm Demo & Admin Pay Stub Report

26. Marine Division Pay Card Roll Out Schedule Week of August 5 Webinar with Marine Division offices and select Appleton staff to announce rollout of pay card and train office staff. Finalize shipyard specific distribution plans - shipyards where access to our employees is difficult or yards that are a significant distance from the local office. Determine dates and times for office/shipyard cookouts. Purpose of cookout is to distribute the pay cards to as many employees at once and answer any questions about the card. Each marine office must do this.

27. Marine Division Pay Card Roll Out Schedule Week of August 12 Send determined quantity of pay cards to all marine offices and the Appleton office. Personalized cards may only be requested by the field employee by contacting FSV. Send marketing materials, announcement letter and forms to all Marine offices and Appleton. If you have received, office includes pay check stuffers with this week’s payroll.

28. Marine Division Pay Card Roll Out Schedule Week of August 19 Office sends Pay Card Announcement letter with this week’s pay checks. Office sends email or text blast to all employees working at marine clients announcing the pay card program (if pay stuffers were sent last week). Office displays posters in reception area. Office includes pay check stuffers with this week’s payroll.

29. Marine Division Pay Card Roll Out Schedule Week of August 26 – GO LIVE Each office runs Pay Check Report to see who received live checks. Offices will have will have 3 weeks to get a pay card in the hands of their working employees. List should include Appleton employees working at marine clients. All new employees will now receive a pay card at the time of hire. Any available or ASAP employee will now receive a pay card at the time of walkout. Anyone who is adamant about not wanting a pay card or direct deposit, needs to come in and talk to the Manager and sign the opt out form and send to Corporate Payroll Dept. Offices includes pay check stuffers with this week’s payroll. Office sends email or text blast to all employees working at marine clients announcing the pay card program All employees who receive a card thru 9/4 will be paid on their card beginning 9/6.

30. Marine Division Pay Card Roll Out Schedule Week of September 2 Continue giving pay cards to employees on the Pay Check Report. Office sends mass email/text to all working employees reminding them about pay card program rollout Office/Shipyard cookouts

31. Marine Division Pay Card Roll Out Schedule Week of September 9 Offices continue to run Pay Check Report Continue giving pay cards to employees on this list. Office/Shipyard cookouts if not held the prior week

32. Important Run a report daily of those who do not have direct deposit or pay card and quickly get them converted over if they have not opted-out Live checks will still print at your office if there is no pay card or direct deposit information entered, or if they have opted-out Due to the Patriot Act, we must have: “Completed” I-9s on all employees Physical address (No PO Box #s) Or the employee cannot be paid Make sure mailing address is accurate on all employees so when pay cards expire FSV will send them a new one

33. Important (Continued) Get this cleaned up now and double check any rehired employees information (I-9s, W4s, physical addresses) before putting to work All time cards must be entered by Thursday, any time cards entered on Friday will not be paid until the following week Admins must be very careful when entering time, double check the batches

34. Important (Continued) Review all marketing material (GMs, Admins, PCs) and become experts Only give pay cards to field employees we will put to work Wallet give away promotion to hand each employee with their pay card at your cook out pay card meeting Pay cards expire, use the boxes in order (are numbered 1 of 2, etc.) It’s important to use them in order and manage your inventory

35. Q&A Call or email Betsy Ahola with any questions betsy.ahola@tradesmeninternational.com 440-349-3432 x2375