FIS' Partnership with Zelle for P2P Payments

FIS' Partnership with Zelle for P2P Payments Chris Burfield, SVP, Digital Market Strategy Norman Marraccini, VP, Director of Digital Payment Product Strategy & Marketing Peter Tapling, Chief Revenue Officer, EWS April 13, 2017

AGENDA INTRODUCTION WHAT IS ZELLE WHY FIS AND EWS PARTNERSHIP FIS RAPID DEPLOYMENT SOLUTION IMPLEMENTATION Q&A 1

COMPETITIVE PRESSURES TECH PROVIDERS FOCUSED ON EXPANDING CONSUMER RELATIONSHIPS LAGGING FI ADOPTION L O W A W A R E N E S S N O T U B I Q U I T O U S P2P GROWTH 3 2 % O F M I L L E N N I A L S U S E P 2 P V I A M O B I L E P H O N E * BANK DISINTERMEDIATION 4 0 % C H A S E Q U I C K P A Y G R O W T H * * THE MOVE TO REAL-TIME P 2 P I S T H E N U M B E R O N E D R I V E R O F R E A L - T I M E * 2016 ACCENTURE #PAYMENTS SURVEY ** FORECAST DATE FROM BANK INNOVATION, 2016 2

THE ZELLE ADVANTAGE WHAT IS ZELLE? N AT I O N A L D I R E C T O RY C O M M O N U S E R E X P E R I E N C E C O N S U M E R B R A N D WHY ZELLE? FI-CENTRIC R E A L - T I M E M E S S A G I N G B E T W E E N F I s G O V E R N A N C E N E T W O R K C O L L A B O R AT I O N V I S A & M A S T E R C A R D U B I Q U I T Y 3

EARLY WARNING S ZELLE NETWORK The combination of Authentify, clearxchange and Early Warning creates a payments company supported by a growing line of over 25 product solutions. Our evolution and growth have enabled us to build a safe and sound payments network Zelle SM, supported by our foundational business model and products. Early Warning s Payments, Identity, Authentication and Regulatory product solutions help our customers effectively manage risk and remain compliant while enabling easier, faster, safer, money movement. PAYMENTS IDENTITY AUTHENTICATION REGULATORY

KEY BENEFITS CONSUMER VALUE Faster access to funds Send to almost anyone with a U.S. bank account Seamless experience FI security Limited sharing of account details FI VALUE Innovative mobile-first Brand awareness Win & retain customers Attract millennials Customer insight/cross-selling Potential revenue

PARTNERS AND PARTICIPANTS 2017 Early Warning Services, LLC. All Rights Reserved.

NATIONAL MARKETING CAMPAIGN National marketing campaign channels will include: TV Digital (paid social media, video, search, etc.) Events Radio Print 2017 Early Warning Services, LLC. All Rights Reserved.

Zelle Risk Service ZELLE SM NETWORK FRAUD PROTECTION Authentication Services Identity Services Decision Services Persistent Device ID/Fingerprint ID Confidence and Zelle Behavioral History Scoring Card Enrollment Location MNO Identity Rules On Device Data Capture Accelerometer, Battery, Profile Device Reputation Consortium Risk Policies Login Threat Detection Jailbroken, Rooted, Malware Investigator Support Functionality Transfer APP PKI Certificate Store MNO Network Authentication and persistent device binding Transactional Partners Status Active Account, Port Status Fusion Score Visa & MasterCard results Risk Moment Data Collection Data Augmentation Data Evaluation Result

THE GOLBAL LEADER IN FASTER PAYMENTS U N M AT C H E D I N T E C H N O L O G Y AN D PAR T N E R S H I P S, F I S M AX I M I Z E S Y O U R I N V E S T M E N T, I M P R O V E S S P E E D - TO- M AR K E T AN D F U T U R E P R O O F S Y O U R I N V E S T M E N T S 9

TURNKEY, FAST TO MARKET & FUTURE READY INTEGRATED ZELLE P2P RUN CONNECT GROW T U R N K E Y H O S T E D S O L U T I O N H O L I S T I C I N T E G R A T I O N R E D U C E D D E P L O Y M E N T E X P E N S E F A S T S P E E D T O M A R K E T I N T E G R A T E E X I S T I N G F I S A N D B A N K S Y S T E M S C O N N E C T T O F I N A N C I A L I N S T I T U T I O N S N A T I O N A L L Y C O N N E C T C O N S U M E R S T O E A C H O T H E R A N D Y O U! D R I V E S I G N I F I C A N T A D O P T I O N A N D U S A G E E M B R A C E N E W R E V E N U E S T R E A M S, S U C H A S D I S B U R S E M E N T S D E L I V E R O N F I V I S I O N 10

CONNECT SYSTEMS AND CUSTOMERS I N T E G R A T E S T O E M P O W E R P 2 P U B I Q U I T Y white R E A C H T O N E A R LY 7 0 % O F U S D E P O S I T C U S T O M E R S T H R O U G H Z E L L E R A P I D, F L E X I B L E S Y S T E M I N T E G R AT I O N U S I N G F I S O P F A N D F I S PAY N E T G AT E W AY T O O T H E R R E A L - T I M E S O L U T I O N S L I N K I N G W I T H V I S A, M A S T E R C A R D, N Y C E, PAY PA L, T H E C L E A R I N G H O U S E A N D O T H E R S 11

FIS PARTNERSHIP THE FOUNDATION FOR REAL -TIME LEADERSHIP S I M P L E, FA S T I N T E G R AT I O N C O M P R E H E N S I V E S O L U T I O N P R O V E N O P E R AT I O N P L AT F O R M F U T U R E P R O O F S E C U R E A N D R E L I A B L E S E R V I C E D E L I V E R Y PA R T N E R T O H E L P N AV I G AT E E M E R G I N G R E A L - T I M E E C O S Y S T E M 12

OUR EXPERTISE E F F O R T L E S S M O N E Y M O V E M E N T E X P E R I E N C E S Frictionless Experience FIS Digital Payments delivers money movement to create a frictionless experience when paying bills, people, or transferring money. Real-Time Each UX fuels consumers with real-time money movement for all payment types to drive an optimal transaction experience for the digital consumer. Simplified, real-time money movement is the ultimate service goal. 13

COMPREHENSIVE REAL-TIME CONSUMER MONEY MOVEMENT DIGITAL PRODUCT SUITE P2P ZELLE & People Pay SEND MONEY TO ANYONE R E A L - T I M E E M A I L A N D M O B I L E N U M B E R T O K E N I Z E D GIFTING DIGITAL GIFTING SEND AN EGIFT CARD FOR A MERCHANT R E A L - T I M E P I C K F R O M H U N D R E D S O F S T O R E S / M E R C H A N T S G E N E R A T E F E E I N C O M E ACCOUNT TRANSFERS EXTERNAL TRANSFERS ME-TO-ME R E A L - T I M E I N S T A N T V E R I F I C A T I O N R I S K A N D F R A U D BILL PAY PAYMENT MANAGER PAY BILLERS H I G H E R A T E C U S T O M E R D E L I G H T D A T A - D R I V E N C R O S S S E L L 14

EASILY-DEPLOYED COMPREHENSIVE SOLUTION E L I M I N AT E D E V E L O P M E N T, A C C E L E R AT E T I M E T O M A R K E T, O P T I M I Z E R O I U S E R E X P E R I E N C E A N D A L E R T I N G C A P A B I L I T I E S C O M P L I A N C E, R I S K A N D A N T I - M O N E Y L A U N D E R I N G S U P P O R T E A S Y A N D S U P P O R T A B L E D E P O S I T S Y S T E M I N T E G R A T I O N F U L L Y O U T S O U R C E D S E T T L E M E N T W I T H Z E L L E N E T W O R K M E M B E R S R O B U S T S U P P O R T AND O P E R A T I O N A L T O O L S S I M P L I F I E D A N D A C C E L E R A T E D D E L I V E R Y O F F U T U R E S E R V I C E S 15

ZELLE P2P User Experience ZELLE INITIAL ROLLOUT C H O O S E P A Y M E N T S E L E C T R E C I P I E N T ( S ) P A Y M E N T A M O U N T A D D M E M O & S E N D Z E L L E I N A C T I O N C O M P L E T E! One Brand Across All Financial Institutions 16

ZELLE INTEGRATION FUTURE FUNCTIONALITY AND AVAILABILITY ROADMAP ENHANCEMENTS FOR 2018 S P L I T PAY M E N T S T H R O U G H Z E L L E D I S B U R S E M E N T S T H R O U G H Z E L L E AVAILABILITY D i r e c t c l i e n t P I L O T TA R G E T E D F O R Q 3 2 0 1 7 C e B a n d O L B P I L O T S TA R G E T E D F O R Q 4 2 0 1 7 17

FIS ZELLE INTEGRATION O N L I N E I N T E G R A T I O N O P T I O N 1 white S E L E C T Z E L L E 18

FIS ZELLE INTEGRATION O N L I N E I N T E G R A T I O N O P T I O N 2 white S E L E C T S E N D M O N E Y S E L E C T Z E L L E O R P E O P L E P A Y 19

FIS ZELLE INTEGRATION M O B I L E I N T E G R A T I O N D E S I G N O P T I O N S white 20

FIS INTEGRATION IMPLEMENTING ZELLE F I N A L I Z E Y O U R F I S I N T E G R AT E D Z E L L E A G R E E M E N T I N T E G R AT E R E A L - T I M E F U N D I N G I N T E G R AT E D I G I TA L C H A N N E L S U T I L I Z E F I S M A R K E T I N G T O O L S T O L A U N C H S E R V I C E 21

THE FIS ADVANTAGE B E N E F I T S O F Z E L L E W I T H F I S white SPEED TO MARKET THROUGH SIMPLIFIED INTEGRATION OPERATIONAL INTEGRITY DEBITS + CREDITS AND SETTLEMENT REDUCED RISK PROVEN REAL-TIME P2P SYSTEMS AND OPERATIONAL CAPABILITIES EXTENSIBILITY EXPAND TO REAL-TIME TRANSFERS AND egifting ADAPTABILITY FUTURE-READY TO CONNECT TO NEW REAL-TIME NETWORKS AND SOLUTIONS 22

ZELLE / PEOPLE PAY W H A T S T H E D I F F E R E N C E? RECIPIENT INFORMED OF PAYMENT USING EMAIL ADDRESS OR MOBILE NUMBER Zelle YES People Pay YES KEY FEATURES - SEND MONEY - REQUEST MONEY - SPLIT BILL - NATIONAL DIRECTORY - SEND MONEY - egift CARDS - SENDER CHOOSES OPTION REAL-TIME DEBITS YES YES REAL-TIME CREDITS ZELLE PARTICIPANT TO ZELLE PARTICIPANT - DEBIT CARD CREDITS (VISA OCT, MC SEND) - PAYPAL - PAYNET BRANDING UI FOLLOWS STRICT ZELLE BRANDING GUIDELINES WHITE LABELED (FI-BRANDED SOLUTION) UNKNOWN RECIPIENT REGISTRATION REQUIRED FOR RECIPIENT WITH A NON- ZELLE BANK NO REGISTRATION REQUIRED ADOPTION LARGEST FIs AND RESELLERS FIS CLIENTS AND RESELLERS 23

QUESTIONS? 24

Thank You Chris Burfield, SVP, Digital Market Strategy Norman Marraccini, VP, Director of Digital Payment Product Strategy & Marketing Peter Tapling, Chief Revenue Officer, EWS