THIS IS HOW MONEY MOVES - earlywarning.com

1 As smartphone adoption continues to grow, the P2P market grows with INSTITUTIONSReal-time payments need real-time IS ZELLE?*Transactions typically occur in minutes between enrolled users. If a recipient is not enrolled with Zelle , it could take 1 to 3 business days to receive the MONEY once the enrollment is :1. Mobile Fact Sheet 2017, Internet & Technology, Pew Research Center, 20172. Making Payments Faster, Javelin Strategy & Research, 20173. Digital P2P Payments in the Strong Growth Game Report, Aite Group, 20174. Trends in Consumer Mobility Report, Bank of America, 2017If you re interested in learning how your financial institution can join the Zelle Network, email us at and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under Person-to-Person (P2P) Payments LandscapeWho Benefits From P2P?

2 Staying Secure with Digital PaymentsLearn more about Early Warning s P2P payment solution, Zelle Meet growing consumer demandsRetain customers with value added services and improved UXReduce expenses associated with cash and checksAttract new customers with innovative, mobile-first initiatives CONSUMERSA bility to quickly pay people you know and trustAbility to receive funds within minutes directly to your bank accountConvenience of availability through your mobile banking appSave time using digital payments versus cash or check2017 ZELLE NETWORK RECAP is the bank-led P2P payment platform delivering a fast, safe and easy way to send MONEY to people you trust.

3 FASTSAFEEASYV alidate and authenticate phone numbersValidate device when customers enrollValidate recipient phone number to ensure correct delivery of fundsSend and receive notifications to the intended recipient100,000 CONSUMERS ENROLLING EVERY DAY ON AVERAGE247 millionTRANSACTIONS$75 billionIN VOLUMES martphone adoption rates have skyrocketed up from 35% in 2011 to 77% in 2017177%35%95 BANKING CUSTOMERS HAVE ACCESS TO ZELLE THROUGH 90+ FIS ON THE NETWORKTHIS IS HOW MONEY MOVESCash is on its way out 24% make most/all purchases with cash, compared to 36% in 20113201720112016201124%36%There is a huge demand for P2P payments; the market is estimated at more than $ trillion3$ trillio