Phil Tollison, Kent Potterton, Susan Adamson - …

1 2017 Jack Henry & Associates, Inc. 1 2017 Jack Henry & Associates, Inc. The Future of JHA Card Processing Solutions and How You Can Benefit October 12, 2017 phil tollison , kent Potterton, Susan Adamson 2017 Jack Henry & Associates, Inc. 2 Legal Disclaimer: Dates contained in this presentation are provided as estimates only and can be changed at any time at the sole discretion of Jack Henry & Associates, Inc. This information may not be incorporated into any contract and should not be relied upon in making purchasing decisions. 2017 Jack Henry & Associates, Inc.

2 3 Agenda Introductions Partnership Overview Benefits and Integration High-Level Review Cardholder Experience Operations Experience Risk Management Transaction and Portfolio Analytics Loyalty Commercial Cards Summary 2017 Jack Henry & Associates, Inc. 4 Partnership Overview 2017 Jack Henry & Associates, Inc. 5 Processing System (switch) Authorizations Plastics & Personalization Stand In Portfolio Risk Tools ATM Driving StatementsPartnership Overview Support Tools Back Office Portal Analytics Loyalty Real-Time Fraud Tools Training for JHA Support for JHA Core System FI Training & Support Call Center Managed Services Fraud Management Settlement Consulting Services 2017 Jack Henry & Associates, Inc.

3 6 Leverage API s for integration to Jack Henry online and mobile banking applicationsStreamlined client portalOur clients will continue to receive the superior service levels that differentiate JHA from all other providers in the industryEnhanced real-time fraud monitoring and new fraud mitigation toolsAn active/active transaction processing environmentIntegrated loyalty solutionsComprehensive data analyticsDebit and full-service credit card processingCPSIt s All There & Improved 2017 Jack Henry & Associates, Inc. 7 2017 Jack Henry & Associates, Inc. New Benefits 2017 Jack Henry & Associates, Inc.

4 9 Active/Active Benefits Eliminates: Untimely cardholder declines at POS Stand in processing and ATM outages Staff disruptions to troubleshoot down terminals and reconcile advices Afterhours crisis and on-call events Secures FI reputation for providing dependable service to cardholders and ATM users 2017 Jack Henry & Associates, Inc. 10 Real Time Decisioning Denies transactions at point of authorization Reduces overall fraud losses Reduces number of chargebacks Protects card program profitability 2017 Jack Henry & Associates, Inc. 11 STAR Network Benefits 11 The STAR Network Shared ATM access in 1979 Combination of 10+ regional debit networks PIN-secured purchasing in 1983 Nearly 3,800 Financial Institution Members Nearly 470,000 ATMs 54,000 + Surcharge-Free ATMs Over 122M STAR-branded debit cards 2017 Jack Henry & Associates, Inc.

5 12 Centralized Command & ControlWhether it s fraud management, analytics, loyalty, disputes, or reporting, you will be able to manage both your debit and credit portfolios from a single back office course all of these systems are supported by JHA s first class supportteams should you need them. 2017 Jack Henry & Associates, Inc. 13 JHA Card Connect Back Office PortalJHA Card Analytics 2017 Jack Henry & Associates, Inc. 14 Quick Assist replaces DataNavigator 2017 Jack Henry & Associates, Inc. 15 Integrated in Xperience 2017 Jack Henry & Associates, Inc. 16 Terminal Driving Content Management Cross-sell relevant products and services Easily customize graphics and content on demand Reinforce your brand Targeted Marketing Deliver unique marketing messages to the ATM screen and receipt Target groups of cardholders or individual cardholders Target groups of ATMs or individual ATMs Deposit Automation Transaction Personalization 2017 Jack Henry & Associates, Inc.

6 17 Credit Card Management 2017 Jack Henry & Associates, Inc. 18 JHA will now be able to offer full service credit to our clients. Integrated tools give staff the ability to manage credit accounts at the system of record (First Data) while within the core. Consistent User Interface (UI), access, and tooling enables you to manage both credit and debit portfolios. Leveraging a suite of currently-available API s will give access to online and mobile Review - Full Service Credit 2017 Jack Henry & Associates, Inc. 19 Full Service Credit Processing at CPS A Comprehensive End-to-End Solution Cardholder loyalty solution Promotional rate capability & balance transfer Portfolio consulting Marketing campaigns Visa Signature & World MasterCard Comprehensive risk scoring Portfolio risk automation Fraud detection & prevention Neural network Comprehensive dispute support Account residence & maintenance Data analytics & report management Settlement automation Real time & Core interface capabilities Plastics options including EMV Card carriers and statements Online account

7 Access Cardholder alerts 24 x 7 call center support & serviceCardholder ExperienceBack Office OperationsRisk ManagementPortfolio Growth 2017 Jack Henry & Associates, Inc. 20 Create Top-of -Wallet CardsEMVD igitalDesign Your Own CardFlatInstant Issue 2017 Jack Henry & Associates, Inc. 21 Leveraging Segmentation of CustomersPresent Statements and Online Messaging Customized by SegmentDynamically change the presentation to be more relevantSubmit Marketing Images and Content per SegmentUnique graphic for Affinity different from AffluentSend File to JackHenry to Load Into Card SystemM=Millennials, S=Small BusinessIdentify Segments and Assign CustomersEx.

8 Millennials, Small Business, Affinity 2017 Jack Henry & Associates, Inc. 22 Statements Give You MonthlyTargeted Marketing Options 2017 Jack Henry & Associates, Inc. 23 CardholderSelf-ServiceSite 2017 Jack Henry & Associates, Inc. 24 Portfolio Risk Management 2017 Jack Henry & Associates, Inc. 25 Portfolio Risk Management 2017 Jack Henry & Associates, Inc. 26 Fraud Mitigation 2017 Jack Henry & Associates, Inc. 27 Fraud Strategies for Debit and Credit Cards Over 300 decision elements available for strategy use Neural network utilized / latest FICO models Consumer and merchant based scoring Real time decisioning for all card transactions New tools like Ethoca to stop fraudulent online purchases from shippingZip DistanceVelocity checking h/m/sVAA/EMSS pecific $ amount to the pennyTran AmountFraud BehaviorMerchant CountryEntry ModeSic/Cat CodeCard Acceptor ID 2017 Jack Henry & Associates, Inc.

9 28 ORProcessor Branded Mobile App 2017 Jack Henry & Associates, Inc. 29 Allows cardholders to conveniently control when, where, and how their cards can be used. Turn card off and onDecline or alert on specified transaction typesControl dependent cardsDecline or alert on international transactionsDecline or alert based on location and region controlsDecline or alert if transaction exceeds threshold amountDecline or alert on specific merchant types 2017 Jack Henry & Associates, Inc. 30 JHA Card Analytics 2017 Jack Henry & Associates, Inc. 31 Module Review AnalyticsInteractive visual dashboardsthat highlight product performance against major mining toolfor creating custom insights.

10 User experience designed for both novice and seasoned data saving toolset for accessing and extracting information from processing system InsightReportVuePerformanceVueDataVueJHA InsightJHA Insight 2017 Jack Henry & Associates, Inc. 32 Performance Vue Debit KPI s 2017 Jack Henry & Associates, Inc. 33 Performance Vue Credit KPI s 2017 Jack Henry & Associates, Inc. 34 Performance Vue ATM KPI s 2017 Jack Henry & Associates, Inc. 35 Module Review - AnalyticsJHA InsightCommunityVue 2017 Jack Henry & Associates, Inc. 36 Module Review - AnalyticsJHA InsightCommunityVueJHA InsightCommunityVueJHA InsightCommunityVue 2017 Jack Henry & Associates, Inc.