TIO is a first mover in the mobile bill payment space. In fact TIO's first mobile bill payment solution developed for PG&E reached the top 2% of Apple's "best selling" approximately 3100 free finance apps on the apple app store. In mid February, it was ranked as one of the top 50 "best selling" free finance apps.

TIO's mobile bill payment solutions are capable of operating on multiple platforms including but not limited to Apple IOS devices like iPad, iPhone, and iPod Touch as well as Blackberry and Android devices.

The TIO mobile bill payment solution features a user-friendly interface capable of accessing a customer's account balance in real time and intuitively stepping a customer through a simple user experience, in either English or Spanish. Payment methods include Visa or MasterCard Credit/Debit, Bank Account ACH and soon PayPal and Instant Loan. Payments are capable of posting to customer accounts in true real-time.

Other features include:

• Custom branding
• Real time account presentment
• Real time posting capable
• Accepts Visa, MasterCard, Bank ACH and soon PayPay and Instant Loan
• Ability to display Smart Meter dashboard information (i.e. kilo watt hours remaining)
• Direct messaging directly from you to the customer (i.e. service interruption notices)
• Walk up payment location finder/mapping
• leveraging geo-positioning (GPS)
• And more