1. Payment Book Media Program KUBRA Partners with Denhardt Solutions Ken Denhardt Denhardt Solutions www.denhardtsolutions.com p: 952-941-6352 Ken@denhardtsolutions.com

2. What is Payment Book Media? Marketing materials that are inserted into other communications, such as transactional documents (payment books, statements, invoices), catalogs, or fulfillment packages. Business owners buy advertising space in your payment books whereby advertising inserts are inserted with your payment book.

3. Why use Payment Book Media? Reduce production costs from revenue generated from selling ad space. Shift from a cost center to a revenue center. Create a “Green” initiative. Provide complementary services to your customers. Provide your customers an opportunity to purchase high quality products and services. Provide advertisers access to customers not found on rented lists. Advertisers experience higher ROI due to decreased cost of delivery. Payment Book Media is not as obtrusive as other forms of advertising.

4. Factors Driving Payment Book Media Researchers indicate that 25-30% of total media time is spent multi-tasking, and that the more media a person consumes, the more likely he or she will consume several channels at once. Consumers encounter up to 3,000 marketing messages per day and 12 transactional documents per month. Insert Media cuts through the clutter. 95% of transaction documents are opened and read. An average consumer will spend 1-3 minutes reading a transaction document. Consumers are filtering their messages to make better, faster decisions 60% of Americans are on “do not call” lists. 33% use “pop up” blockers. ( Sources: eMarketer multi-tasking consumers January 2007; TNS; Irongate Digital Solutions and USPS Household Diary Study)

5. Samples of Advertising Inserts and Advertisers

6. Company Fact Sheet Customer Communication Management (CCM) Solution Provider Market our products to the Communications, Utilities, Financial Services, Media, Manufacturing/Distribution, and Insurance Industries 75,000,000+ Consumers View Kubra Transactional Documents per Month Formed in 1992 355+ Full Time Employees 600 Customers 6 Networked Facilities across North America Private Organization

7. NEXT STEP? Contact: Ken Denhardt Denhardt Solutions www.denhardtsolutions.com p: 952-941-6352 Ken@denhardtsolutions.com