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Cognizant Consulting Capabilities

April-May 2015

| 2015, Cognizant

Table of Contents

Cognizant Overview1

Cognizant BFS Consulting Service Lines3

Cognizant BFS Consulting Practice2

Our Consulting Success Stories at Wells Fargo4

| 2015, Cognizant

Cognizant Overview

3

Recent Updates

Announced acquisition of Trizetto, a provider of healthcare software and solutions, for $2.7

Bn

Acquired Odecee, a digital solutions company to expand Digital Transformation capability

Acquired Cadient Group to help clients drive business transformation through Digital

Technologies

Acquired itaas, a digital video solutions major to expand Multiplatform Video Capabilities

Announced three transformational deals totaling

$3.5 Bn in TCV in Aug 2014

Building platform, people and infrastructure synergies to deliver outcome based contracts

(to a US Health Insurance Firm)

Combined Ops with existing IT portfolio to deliver synergies (to a US Financial Services

Company)

Simplify, standardize and centralize the IT Infrastructure (for European Consumer Goods

Co)

Founded in 1994 (Nasdaq: CTSH)

211,500+ employees (as on Dec

31, 2014)

HeadquartersTeaneck, NJ

Revenue MixNA: 76.8%, Europe:18.4

%, RoW: 4.9%

25+ Regional sales offices

1,260 active customers

33,000+ Projects in 40 countries

Market Cap Over $38 Bn

Cognizant

turns

75+ Global Delivery Centers

Revenue$12.21 Bn guidance for 2015 (19%

YOY)$10.26 Bn in 2014 (up 16.4% YOY

| 2015, Cognizant

Cognizant Banking and Financial Services

4

Cognizant has a strong team of consultants and proven capabilities serving top banks and financial services

companies across the globe

Leader in PEAK Matrix For European Banking AO Service Providers, Capital Markets AO and BPO service providers

Ranked 4 by FinTech 100 (Oct14)

Cognizant Worlds Most Admired Companies: Information Technology Services Industry Category (Rank #1)

Cognizant ranks among the TOP 50 on the 2014 InformationWeek Elite 100 (April 2014)

Consistently Recognized by Industry Analysts

Present globally over 12 countries including delivery centers across NA, UK, Europe, APAC & LatAm

15+ Emerging business utilities

47,420+Strong Team

1,100+Consultants

6Out of Top 10 North American

financial institutions

9Out of Top 10 European

Banks

180+Clients

BFS

Strategic

Focus

Areas

Digital Bank of the Future

Business Analytics

Delivery Transformation

Growth Markets

Risk and Compliance

Business Transformation

| 2015, Cognizant

Cognizant Viewpoint: Drive efficiency while innovating for the future

5

Horizon 1- Drive Efficiency -

Horizon 3- Breakthrough -

Horizon 2- Grow Market Share -

Cognizant brings experience ranging from strategy and innovation consulting through operational efficiency,

leveraging disruptive business models and technologies for competitive top- and bottom-line enhancement

Operations Strategy Target Operating Model Sourcing Transformation Application Rationalization Operational Analytics Finance Transformation FP&A Optimization Program Management

Optimize current

state businesses

Operations

Margins

Plan, launch and

grow into adjacent

businesses

Market share

New markets

Breakthrough

innovation to

create new

businesses

New category creation

Competitive disruption

Market transformation

Go to Market Strategy Growth Strategy Technology Optimization Change Management Supply Chain Management Campaign Management HR Management

Innovation Business Analytics Sustainability Social and Mobile Advisory Asset Based Consulting Customer Experience

Transformation

| 2015, Cognizant

Table of Contents

6

Cognizant Business Consulting (CBC) Overview1




| 2015, Cognizant

Cognizant BFS Consulting Practice

7

125+Consulting Managers focusing on

practice development and leading engagements

70+Practice Leaders

and Principal Consultants

200+Architects and Designers

across geographical locations

1,100+Member strong consulting team

800+Consultants focusing on

projects and domain competency

Key BFS Consulting Offerings Business - IT Assessment Business - IT Transformation Business-Operations Technology Assessment Regulatory Compliance Adaptation (SOX, Basel, SEPA,

MiFID, AML, etc.) Requirement Analysis Maturity Projection Offshorability Portfolio Analysis Commercial Off The Shelf (COTS) Product

Implementation (Temenos, Eagle, TSYS, Vision Plus, Fidessa, etc.)

Enterprise Data Management Consultancy Server Rationalization Services (SRS) Enterprise Data Governance Assessment (EDGE), ERP

Consulting, BPM/CRM Strategy Access Control Framework Enterprise Technology Strategy SOA Assessment Client Reference Data Integration Initiative Independent Audit and Project Assurance Services

We support our clients end-to-end through the value creation process by blending industry expertise with cross-industry solutions guided by transformational business and technology strategies

CONSULTING

INDUSTRIES

CONSULTING SOLUTIONS

Industry Standards BFS Domain Knowledge Base & Assets Domain Training & Certifications

| 2015, Cognizant

Our recent Acquisitions in the Consulting Space

8

Equinox

Consulting

AimNet

Galileo

Performance

PIPC

Pepperweed

Advisors Cognizant acquired Pepperweed Advisors, the IT consulting services division of Pepperweed Consulting. The acquisition brings to Cognizant's IT Infrastructure Services (IT IS) practice a strategic consulting capability in two areas

- IT Service Management (ITSM) and IT Asset Management (ITAM)

Cognizant acquired PIPC, a UK based Global Program Management Consulting Firm

Cognizant acquired Galileo Performance, a , a Paris based IT Testing Consultancy.

The acquisition provides Cognizant with the capability to optimize and extend business performance

through IT system measurement, management and testing

Cognizant acquired Massachusetts-based AimNet Solutions Inc., a managed infrastructure

and professional services firm. In acquiring AimNet, Cognizant gained capabilities and

expertise that strengthen the Company's fast-growing IT Infrastructure Services (ITIS) practice.

Cognizant Acquired Equinox Consulting, a Financial Services Consulting Firm in France.

Equinox has added a new flavor to Cognizants Business Consulting capabilities bringing in the experience for its deep regulatory consulting expertise, spanning Basel III, Solvency II,

EMIR/Dodd-Frank, FATCA and MiFID, in addition to strategy consulting, organization and

operations management, change management, and HR consulting

| 2015, Cognizant

Our Top Tier Leadership & Consulting Team

Sandy Gopalan

Singapore, Ex - P&G

Mark Livingston

US, Ex - ATK

BFS Domain Leaders

Service Line Leaders

Philippe Dintrans

Global BFS Consulting

Leader, Ex-McKinsey

Rob Asen

CIO Advisory, NA;

Ex-Bearing Point

Joseph Navarre,

Organization Change

Management, NA

Ex- PwC

Global Leaders

Jon Hughes

Program Management

Consulting, NA; Ex-PA

Consulting, Ex-E&Y

Ed Elgerzawy

Capital Markets,

North America

Ex-Deloitte

Serge Malka

Capital Markets,

North America

Ex-Equinox

Sudhir Gupta

Capital Markets,

North America

Ex-TCS

Mahesh Subramanium

Retail Banking,

North America

Ex-Deloitte

Sabitha Vuppala

Wholesale Banking,

North America

Ex-Infosys Consulting

Joris van Dongen

Europe

Ed Herman

Cards &Payments,

North America

Ex-EY

Pradeep Hardikar

Capital Markets,

India &APAC

Ex-Schwab

Thomas Weber

Capital Markets,

Europe

Ex-HP

Alan Edwards

Banking,

UK

Ex-Fujitsu

Rupert Chapman

CIO Advisory, UK;

Ex-PA Consulting

9

| 2015, Cognizant10

A Top Tier Leadership and Team

Aggressively recruited Partners and Principals from two key sources:

Tier 1 consulting firms (e.g., A. T. Kearney, Deloitte, IBM, PwC etc.)

Industry (to provide subject matter expertise in a particular vertical)

90+ principals/ partners added to Consulting senior leadership in 2014

Many of our Consultants grow through the ranks to become Managers

We hire managers laterally from other consulting firms, as well as industry

An employer of choice at leading business schools around the world

#1 Recruiter from Indian Business Schools

Very successful US B-School Recruitment Program (15 MBA schools)

Consultants

from B-School

Managers from

Consulting Firms

Partners/

Principals from

Consulting

Firms/ Industry

We Have Built A World Class Team By Hiring Top Talent

| 2015, Cognizant

Consulting Talent from Lateral Recruitment

11

Our Consulting Practice is continuing to acquire and develop talent to provide Tier 1 consulting services with deep domain and functional expertise

Cognizant has hired from:

Consulting peers such as Accenture, PwC, AT Kearney, Booz and Co., Deloitte and IBM

Technology peers such as Adobe, Dell, HP, Infosys, Motorola and Oracle

Industry leaders such as Amazon, AmEx, B of A, Caterpillar, Delta, Disney, eBay, GE, Honda, Nike, Sony , Target, and Wal-Mart

23%

25%

52%

2014 Lateral Recruitment North America

Consulting Peers Technology Peers Industry

Our experienced

hires join us from

Fortune 500

companies and

leading

consulting firms

| 2015, Cognizant

66% 76%

34% 24%

US India

2014 Campus Recruitment

Tier-1 B Schools Tier-2 B Schools

Consulting Talent from College Campuses

12

Top 30

31- 50

Ranked

Top 20

21- 30

Ranked

Our campus recruits are from top-tier B-schools in US and India

10

35 31

45

0

50

0

10

20

2011 2012 2013 2014

MBA Hiring in NA

# US MBA Schools

# US MBA Hires (Right

Axis)

U. S. MBA hires include graduates from Michigan, Georgetown, UNC, NYU, Texas, Indiana, USC, Boston Univ.

India MBA hires selected from Indias top 10 MBA programs like IIM-A, IIM-B, IIM-C, ISB, IIFT & XLRI

Cognizant was the largest recruiter of MBA graduates from Indias top MBA programs in 2013 and 2014

Our Consulting MBA recruiting is poised to double from 44 hires in 2014 to ~100 hires in 2015

2015 recruiting will include undergraduate hires for the first time at the Business Analyst level

221

194

220

180

200

220

240

2012 2013 2014

MBA Hiring in India

# India MBA Hires

| 2015, Cognizant

Our Consulting Roles & Location

13

Role Description Onsite Offshore

Partner Consulting Industry veteran with 20+ years of experience across IT & sub domains in the Banking, Management Consulting and Capital Markets space

Provides oversight and strategic inputs for recommendations, solution development and solution roadmaps to Consulting Engagements

a

Principal /

Consulting Director

Industry veteran with 15+ years of experience across IT & sub domains in the Banking, Management Consulting and Capital Markets space


a

Consulting

Manager

10 - 15 years of experience across IT & sub domains in the Banking, Management Consulting and Capital Markets space


a a

Senior Consultant 7 - 10 years of overall experience in the IT / Banking or Capital Markets Industry Industry expert with experience in specific sub domains in the Banking or Capital Markets space Provides functional expertise to consulting projects as a part of consulting project delivery team a a

Consultant 4 - 7 years of overall experience in the IT / Banking or Capital Markets Industry MBA from a reputed B- School or Chartered Accountant Provides functional expertise to consulting projects as a part of consulting project delivery team a a

| 2015, Cognizant

Forbes Insights Innovation Beyond the

Four Walls

Harvard Business Review Re-inventing Operating

Model

Industry leading thought leadership and academic research that have been leveraged for transforming our clients

Big Data innovation to monitor and manage trading risk and fraud

Mobilizing the Enterprise

Making BYOD Work for Your Organization

Code Halos How the Digital Lives of People, Things, and

Organizations are changing

the Rules of Business

We work extensively with MIT, Carnegie Mellon and INSEAD

Our Thought Leadership (1/2)

14

| 2015, Cognizant

Our Thought Leadership (2/2)

15

We work extensively with MIT, Carnegie Mellon and INSEAD

Industry leading thought leadership and academic research that have been leveraged for transforming our clients

Annual Industry Survey for Cards & Payments industry

TABB Forum Spotlight SeriesRebuilding Risk and Compliance for the

Age of Oversight

Best practices on how to address Basel-III enterprise liquidity risk requirements

Best practice for the impact of the Fed rule for US Foreign

Banking Organizations (FBO)

The impact of regulations on real-time

margin management

| 2015, Cognizant

Industry Recognition

Our Consulting is widely recognized by the analyst community for its growing consulting capabilities

Cognizant in particular appears

poised to cross the divide from

downstream operator to powerful

upstream consulting organization.

..has the strength and

independence to deliver value-

added consulting as a stand-alone

revenue source, rather than a sales

tool or an added give-away to

support or encourage downstream

integration work.

Cognizant cited as a Leader in

Business Technology Transformation

by Independent Research Firm

Cognizant Business Consulting

recognized for 'strong vision,'

'superb client references,' and

deep understanding of

technology-enabled business

transformation

Vault Consulting survey Top 10 consulting firm in the very 3rd year of participation. (2011/12)

Cognizant is no longer just a low

cost provider, but rather, had

moved itself to a consulting led

organization

Cognizant is definitely a firm that

other competitors need to pay

attention to because it is taking

share in current market segments

and attempting to challenge full-

scale providers by adding

business consulting and industry

process knowledge

Cognizants Giant

Step The IT company

is reimagining itself as

a consultancy for the

new era of the wired

corporation Forbes

India Feb 14 Edition

16

| 2015, Cognizant

Cognizant Business Consulting (CBC) Overview1




17

| 2015, Cognizant

Cognizant BFS Consulting Service Lines

Business Consulting

Technology Consulting

StrategicConsulting

Program Management

Consulting

OCM*Consulting

Process & Quality

Consulting

* Organizational Change Management

Click on each icon to know

more about each Service Line

OperationsConsulting

18

Consulting

Engagements

| 2015, Cognizant

Business Consulting

Capital Markets

Consumer Lending

Cards & Payments

Retail Banking

Wholesale Banking

19

| 2015, Cognizant

Business Consulting Service Offerings

Our Business Consulting arm was formed as a differentiator to enable Cognizant to become a transformation partner and trusted advisor to our clients (via consulting and not delivery sales)

Requirement Analysis

Maturity Projection

Business Analysis

(Requirements Management)

COTS Product

Implementation

Build vs Buy

Regulatory Compliance

Adaptation

Business-Operations-

Technology Assessment

Business-IT Transformation

Business-IT Assessment

Type of Problem Solving

Business Capability-Process-Technology-Organization Mapping Enterprise/LoB level Gap Discovery

Greenfield Development of Systems Large Scale Systems Consolidation Legacy Modernization & Migration

Gradual Transformation of Business Capability Delivery Engine Business Process Re-definition, Outsourcing and Change Management

Business and Technology Adaptation to regulatory challenges Specific solutions aimed at business verticals and geographies

Enabling Build Vs Buy Decision using Cognizant package/vendor evolution framework and tools

Assess strength of Requirements Management process Suggest improvement to the process in context of business needs

Requirements Gathering and Analysis Solution Design Scope Management; Ensuring Requirements Traceability

Vendor Product Implementation Customization of COTS product

Offerings

Case Study Provided

20

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Market

Services

Wealth

Management

Asset

Management

Investment

Banking

Capital Markets: Service Offerings

Risk & Compliance

1

OperationalExcellence

2

Digital Strategy

3

Platforms

4

Risk

Governance

Volcker, FBO,

Org

Risk Transformation

Liquidity, Market/FRTB,

Counterparty, CCAR, Stress Testing,

Shadow Banking, AML/Compliance

Risk Support

Functions

Data, BCBS239,

Architecture

Risk

Production

Organization

Transformation &

Optimization

Process Optimization &

Transformation including

Regulatory Alignment

Outsourcing/Offshori

ng Studies

Client experience

Customer Analytics

Sales efficiency

Digital Operational Transformation/Strategy

Trading AML Compliance Risk Dashboards

Risk (Counterparty, Liquidity & Market) Reg Reporting

Reporting Utilities

Key Issues AddressedCapabilities

Best-in-class vendor package selection for venturing into institutional custody business

New global operating model for OTC derivatives clearing organization complying with new

regulation and establishing client focus

Global expansion in Investment management business through redesign of domestic IT

infrastructure as shared services

Development of industry trade warehouse platform on Deriv/SERV

Reduce European cross border settlement cost and harmonize various market rules and practices

and deliver Domestic market for Europe

Leading edge middle office platform for straight through processing of centrally cleared OTC

derivatives

Liquidity Stress testing and scenario analysis platform enabling setup of different assumptions

as a part of BAU, Market, Idiosyncratic &

combined scenarios

21

| 2015, Cognizant

Large Middle East Bank

Client was venturing into custody business and wanted a state of the art IT infrastructure to service institutional custody clients

Provided an outside-in view with industry expertise on best practices , trends and IT products. Defined the target operating model, establishes various shared functions interaction and evaluated COTS products for Custody, Fund Administration, and OMS

Top 100 Investment Manager

The Client was looking to grow the Investment Management business while running the existing domestic business efficiently. Existing IT infrastructure and shared services model were challenges

Conducted Biz-Ops-IT Assessment through a conceptual model to identify constraints and proposed a target architecture. Identified quick wins and

strategic projects

Large European bank The bank wanted to restructure clearing services

organization due to OTC derivatives regulatory changes to create a client-focused organization that is efficient, transparent, flexible and scalable

Multiple target operating model options were created ranging from fully shared to fully silo-ed as well as hybrid models showing benefits and risks. Recommended hybrid global target model based on extent of change and associated qualitative and quantitative benefits

Premier Canadian Investment Bank

The Capital Markets group currently has a fragmented IT landscape with loose governing standards, multiple products and inconsistent architecture frameworks.

The Architecture Blueprint program measured the current alignment of the IT portfolio to business requirements. Synthesize the information to come up with an enterprise blueprint, architecture framework and governance standards

Capital Markets: Success Stories

Large Global Bank

Driven by Regulatory reporting obligations, client needs single view of risk and finance in real time.

Integrated Risk Control Architecture: Holistic Architecture that supports multiple asset classes and areas of Portfolio Risk like Credit and Counterparty Risk, Liquidity Risk, CVA, Market Risk

Integrated Risk Management Program Capital Market Enterprise Blueprint Target Operating Model Strategy Definition

Large European Bank

The existing AML framework relied on manual processes. Regulators required to move to risk-based approach

Conducted a comprehensive assessment including subject areas and source system identification, Source-to-Target mapping based on Source Analysis followed by high-level system design

Operations and IT AssessmentProduct Evaluation for Custody

Implementation

Anti-Money Laundering Program

COTS ProductImplementation

Regulatory Compliance Adoption


Business IT Assessment

Business-Operations-Technology Assessment

Business IT Assessment

* Service Offering Type22

| 2015, Cognizant

Auto FinanceDefault

Mortgage

Servicing

Mortgage

Servicing

Mortgage

Origination

Consumer Lending: Service Offerings

23

Business & IT

Strategy

1

Operational

Excellence

2

Digital

Strategy

3

Risk &

Compliance

4

Default Strategy

Analytics

LOS and Default Servicing

Platform Replacement

Assessment

Regulatory

Compliance

Assessment

Customer Experience

Analysis and Strategy

Roadmap

Business Process

Assessment and

OptimizationRegulatory Alignment

Workflow Design &

Automation

Client Journey/Experience

Lending System Transformation

Paperless Supply Chain

Integrated Credit Risk Management

Doc ManagementProcess Control

Design &

Implementations

Performance

and Exception

Reporting


Risk assessments, regulatory gap analysis

Operational efficiency studies

Implementation from Program management to BA support

Process improvement (client/internal)

Digital Target operating models

Platform and package selection

Partnerships

Regulatory

Interpretation &

Assessment Data Quality

| 2015, Cognizant

Multiple disparate business functions were sending correspondence to the borrower through various systems and templates. The overall process was manual, distributed, inefficient and did not provide audit trail, controls and led to poor customer experience

Cognizant prepared the target state process and technology architecture and roadmap

The solution leveraged enterprise architecture components and concepts to deliver a state of the art solution based on contemporary technology

Client had signed Consent Order with OCC to changeServicing and Default business process to align it with the Audit findings

Prepared OCC Response and implementation plan, which required significant changes to Servicing and Default business process and data structures, analytics, Governance and Data Quality Management practices built around timely and accurate reporting, controls and exception management

Client required to report to US Dept of Justice as part of a settlement that includes a $4B credit penalty which could be reduced through loss mitigation implementation

Cognizant partnered with Default Operations and Internal MIS Reporting to identify eligible credits, source systems, trigger logic, data elements, and business rules needed to report credits

Worked with DOJ External Reporting team to code the menu item reporting logic, field mappings, edit checks, and tables

Client wanted to prepare for scale as they were acquiring portfolios aggressively along with reducing costs and optimizing Mortgage Claims process

Mapped end to end claims process and analyze it across several dimensions which are critical to outsourcing such as process maturity, stability, skill level, complexity etc. to provide a data-based process outsourcing roadmap

Reduced operations costs by 50%

Mortgage Servicing Transfer processes were manual, distributed and inefficient leading to long turn around time, limited audit trail and rework

Captured business processes & inventoried process requirements along with Handoffs and dependencies, Entry/exit criteria, Metrics, SLAs and mapped technology landscape

Post process analysis, determined optimization opportunities and defined high level to-be processes

Loan Acquisitions Process Optimization and IT

Roadmap

Mortgage Claims Process Outsourcing Default Mortgage Compliance Assessment &

Implementation

Top 5 Bank wanted to consolidate multiple disparate LOS systems post-acquisition, to reduce costs, improve TAT and manage operations more efficiently

Leveraging the Cognizant proprietary LOS Consolidation Framework, assessed the current process and technology architecture across Bank and acquired portfolio to define future state process and technology architecture

Mortgage Data Analysis and Compliance

Roadmap

Customer Experience Strategy Mortgage LOS Consolidation Analysis and

Optimization

Consumer Lending: Success Stories

Business IT Transformation Business

IT Assessment



Business Analysis(Requirements Management)



| 2015, Cognizant

Loyalty &

Rewards

Merchant

AcquiringCard IssuingRetail

Payments

Cards & Payments: Service Offerings

25

Risk &

compliance

1

Operational

Excellence

2

Digital

Strategy

3

Platforms &

Solutions

Risk

Governance

PCI, Durbin, Reg

E, Org

Risk Transformation

Card Act, Interchange

Qualification, Know Your

Customer

Risk Support

Functions

Interchange

Qualification,

BCBS239

Risk Reduction

Fraud, Credit

Target Operating

Model, Roadmap,

Transformation &

Optimization

Target Operating Model,

Process Optimization &

Transformation, Platform

Migration

Loyalty Program

Redesign, Target

Operating Model

Personalized Digital Customer

Experience

Advanced Analytics & TOFU

Personalization

Targeted Campaigns

Digital Operational

Transformation/Strategy

Mobile EMV/Chip & Pin Processors

Fraud &

Security

Authorizations &

Settlement

Key Issues AddressedCapability

Geographic expansion

Target operating models

Digital strategy & roadmap

Adoption of new alternative payments

Improving customer acquisition and retention

Addressing the emergence of disruptive technologies

Declining customer loyalty and engagement

Strategic evaluation of leveraging low cost locations

Post merger integration or divestiture of organizations/business units

Promotion of process industrialization

Platform and package selection

Recognition &

Redemption

OutsourcingStored Value

Acquirers

Simplified

Customer

Onboarding

4

| 2015, Cognizant

Leading EMEA acquirer Integrated fraud, dispute and mailroom processing

conducive to adapting business rules to meet changing needs across credit card networks (Visa, MasterCard, etc.) or the back-end system of records

Reduction in time/cost by avoiding manual processing errors and omissions as well as speeding up communications with the relevant associations

Large UK Bank Credit card processes take over 5 days to fulfill a

physical card Instantly approved card applicants are having to wait

until their plastic card arrives by post before they can make a purchase

Credit card customers do not have a dedicated loyalty offering equivalent to Everyday Offers for current account customers

A leading global payments, network and travel company

Client required the enablement of online self servicing for rewards exploration, redemption, fulfillment and account management

Browse catalog and redeem rewards such as merchandize, gift certificates and eCertificates

Real time transfer of reward points to over 35 travel partners (airlines and hotels)

Provided targeted offers and discounts to card members

Global Commercial Payments Provider The client wanted to transform the way in which

customers are on-boarded for GCP services Requirements included the delivery of self-service

model for customer query resolution and managing a

lower cost of ownership Provided enhanced experience across complete

mobile channels covering mobile/tablet web sites, native as well as responsive sites

Reduced the cost of ownership for the total business model

Cards & Payments: Success Stories

Large Global Bank Banks increased demand to innovate was

impacted by a limited ability to rapidly test and evaluate innovation opportunities

Current project portfolio has created fragmented innovation efforts across team and business units

Business needed to scale the innovation pipeline High time-to-market and to deliver innovations in

products & services

Driving Digital Innovation Customer On-boarding Comprehensive Rewards Platform

Top 10 US Bank Client needed to bring their card processing

platform in-house to improve responsiveness to business needs, protect IP and custom data and reduce costs

Provided the client with control and the ability to improve the customer experience.

An in-sourcing assessment and migration roadmap was required across the architecture, processes and applications

Digital Card Acquisition/Virtual CardsChargeback Dispute ManagementCore Payment Processing

Business IT Transformation







| 2015, Cognizant

ServicingMoney

ManagementOnboardingAcquisition

Retail Banking: Service Offerings

27

Risk &

compliance

1

Operational

Excellence

2

Digital

Strategy

3

Platforms &

Solutions

4

Risk &

Compliance

Ops

Risk & Compliance Modeling

and Reporting

Process Re-

engineering and

Digitization

Performance

Monitoring and

Reporting

M&A

Integration

Digital Banking Transformation

Roadmap

Customer Experience Assessment &

Design

Branch Transformation

Omni Channel Design &

Roadmap

Key Issues AddressedCapability

Banks have to industrialize risk and compliance operations so as to minimize distraction and maximize efficiencies.

Cyber security is the most important concern of banking customers using digital channels. Banks need to invest in cyber security to maintain the customer trust

Post crisis, banks have realized cost savings from low hanging opportunities. But now the digital investment needs, compliance costs and revenue challenges require deeper transformational efforts to trim costs and prioritize digital investments

Banks need tor realign middle and back office efficiencies using digital capabilities. They are looking

to reduce transactional costs without compromising quality of service

Demographic shifts, customer expectations digital disruptors and non-bank challengers requires Banks to transform their customer acquisition and retention strategies and deepen relationships with existing customers

Low cost funding sources may migrate to better rate accounts requiring banks to improve acquisition rates

Banks are challenged by the limitations of the legacy infrastructure to serve their digital needs and how to achieve core platform transformations

Next Best

Action

Business and

Technology

Operating

Model

Digital

Technology

Modernization

Assessment

Product/Platform

Evaluation &

Recommendation

Analytics & Data

Infrastructure

| 2015, Cognizant

Large UK Bank The bank wanted to perform a consolidation of system

interfaces spanning several regions by implementing a single core banking solution

Developed business case, facilitated requirement workshops with the client and vendor, documented interface requirements, and created an architecture framework

Client was provided with the business case, blueprint, solution design and implementation roadmap

Large Canadian Credit Union The client sought to implement a uniform core banking

solution and harmonize business processes to realize efficiencies and synergies

Provided a recommended vendor engagement model framework and best practices for approaching requirements management, testing strategy, and data migration for the creation of To-Be processes

Client was provided with a core transformation blueprint and implementation roadmap

Midwest Bank The bank is implementing a RTO solution for its digital

channels to achieve a significant increase in conversion rates and improve share of wallet

Conducted workshops and ideation sessions across product, customer experience, analytics and technology groups to update roadmap, generate ideas for program acceleration and define a roadmap for implementation. Supporting the operations & technology solution

Provided the bank with short term and long term initiatives to accelerate value realization

Large European Financial Institution The bank was seeking to develop a Multi-Channel

Platform and transform their online banking presence to satisfy customer needs

Re-engineered their existing online banking platform with supportive modular architecture which enabled the delivery of improved functionalities and features such as E-fraud detection, transaction signing support, electronic bill presentment and payment

Realized IT cost savings through replacement of obsolete systems and technology

Large Canadian Bank The bank was seeking to improve the sales

onboarding experience across consumer products, digital and physical channels

Defined a framework for new customer onboarding that would support compliance standards, maintain key functionality, and deliver a unique customer experience. Performed business impact assessment, solution design and business case

Bank has a uniform solution design, business case and implementation roadmap

Digital Channels Enterprise Customer

Onboarding

Online Banking Re-Engineering Real Time Offers

Large Mid West Bank There was a need to improve the efficiency and

producing credit risk reports, and improve overall risk analytic capability

Redefined the risk strategies and processes to drive better outcomes from risk metrics, including developing reserve and capital adequacy models

Bank now has predictable and compliant credit risk analytics and reports

Core Platform ImplementationCore Banking System AssessmentCredit Risk Management

Retail Banking: Success Stories

28







* Service Offering Type

| 2015, Cognizant

Trade FinanceCash

ManagementWholesale

Payments

Commercial

Lending

Wholesale Banking: Service Offerings

OperationalExcellence

1

Digital Strategy

2

Product Innovation

3

Risk & Compliance

4

KYC / FATCA solutions

AML Compliance and

Sanctions Screening

Commercial Credit Risk

Appraisal and

Management

Process and

Operating Model

Optimization, Future

State Definition

COTS Product evaluation and

implementation

Mobility -Transaction

Banking and

Commercial Lending

Channel Integration and

Modernization

Enterprise Reference and

Transaction Data,

Reporting and Analytics


Technology Modernization with new COTS product or custom solutions (Payment Hubs,

Account Onboarding, Loan Origination and

Servicing solutions) advisory services.

Customer Experience enhancement with Mobility solutions, channel optimization and integrations

Operating model optimization centralization and consolidation across geographies and LoBs

Revenue enhancement with Product Innovation -Account Receivables/ Payables automation,

cross-border FX Payments solutions, Open

Account Portal solutions etc.

Operational Efficiencies with Process Optimization, Digitization and Automation.

Improved Intelligence with enhanced Data Management, Reporting and Analytics

Customer Analytics

Business IT Landscape Assessment and To-be Solution

Recommendations

Open Account PortalCross-border Low Value

Payments

Commercial Cards; Supply

Chain Integration

29

| 2015, Cognizant

Leading Global Bank

The Client was aspiring to capture the market by defining the Open Account transaction space

Identified functionalities that would enable client to quickly onboard customers resulting in early realization of ROI. Features included Purchase Order and Invoice Creation, Buyer/Supplier Configuration Management, Document Management

Leading Global Investment Management Firm Enterprise Payment Hub implementation for stronger

global and domestic payment capabilities, multi-geography and product support, cost reduction andimproved customer service

Engaged in evaluation and selection of COTS product,and subsequent gap analysis and functional designfor multi-year implementation. Client won EMEAFinances Treasury Services award for the project

Leading Fortune 100 Financial Services firm The Asset Management group is undertaking

replacement of Commercial Mortgage legacy platform to improve operational efficiencies, speed-to-market and scalability to support aggressive business growth strategies

Cognizant Business Consulting team performed current state process mapping and future state definition for deal origination through closing, requirements definition for the new platform and is currently continuing the engagement with functional specifications for implementation

Large North American Bank

Client was seeking an independent assessment of the existing systems to review its business processes, technology landscape, external interfaces and perform current state functional decomposition of identified applications

Conducted end-to-end process mapping of the Business Banking LoBs, analyzed business rules of the applications and provided recommendations based on Industry Standards

Leading North American Bank Client was looking to build technology and operational

capabilities to meet US and Canada market growth strategy, across multiple commercial and corporate lending LoBs

Performed independent assessment of multiple loan origination systems used in different business units, defined business requirements (bringing in industry best practices), and made product recommendations for replacing with a single consolidated Loan Origination platform

Prominent UK based bank Bank was looking to launch a new product offering FI

clients ability to make local currency payments in 180+ countries, to reduce costs and complexities of multiple Nostro accounts

Solution definition and design was done, following a prototyping based approach. Features of implemented solution included web-based FX payment initiation from a single Global Account denominated in major tradable currencies, automated end-to-end deal booking and settlement process and upfront pricing

Wholesale Banking: Success Stories

Payment Hub COTS Product Evaluation and

Solution Definition

Exotic Currency Payments Solution

Conceptualization and Design

Loan Origination Assessment and Solution

Recommendations

Open Account Service Offering

Commercial Loan Origination IT Strategy

Definition

Process Consulting for Commercial Mortgage

modernization

30

COTS ProductImplementation

Business-Operations-

Technology AssessmentBusiness-

IT Assessment




* Service Offering Type

| 2015, Cognizant

APPENDIX

| 2015, Cognizant

Our Capabilities built up through Equinox Acquisition

32

Supports Financial Institutions, Asset Managers and Corporates in the transformation of their business lines that are impacted by numerous regulatory changes (Basel 3, EMIR, DFA, MIFID, FRTB,

AIFM)

60 consultants

Support to Risk divisions, Financial divisions and Compliance divisions in implementing regulatory requirements (Basel III & Stress Test, IFRS, FATCA, 4th Directive, Banking Act, etc.) and their impacts on the organization, processes and the information systems

60 consultants

Support to insurance companies and welfare institutions in their revenue function (finance/risks)

industrialization and redesign projects, in Solvency 2 directive implementation and in optimization of the value chain.

20 consultants

Support to network banks, direct banks and specialized financial institutions in their major operational efficiency improvement and optimization projects

40 consultants

Professionalization of the Human Resources function (organization, process, HR information systems, HR performance measurement), support to the HR division in its activities (skill management, variable pay system, training, coaching and corporate culture), and implementation of the HR components of the transformation or restructuring plans

20 consultants

200 professionals servicing FSI in France and Europe with focus on strategy consulting, organization & operation management, project management, change management & HR consulting

| 2015, Cognizant

Digital Consulting Success Stories

| 2015, Cognizant

Online Banking Platform Migration

34

Business Need

Client was lagging behind its peers in online presence and wanted torevamp & enrich online banking experience for its 9 million customers.

The bank wanted to rebuild their current online banking site on a Vendorproduct. .

Challenges

Vendor was responsible for 100% of application development for theBanks Online Banking platform. So, there was complete dependence onthem

Faster T2M was absolutely key to the Bank for refreshing OLB, but at anygiven point in time, Vendor was lagging behind by 2 Releases

Lack of standards, inconsistencies across modules, deviations from Design,poor maintainability and so on

Cognizant Solution

Cognizant UX expert enhanced the Look-and-feel of OLB platform

Cognizant Business Analysts managed Requirements including BillPayment, Transfer & Payments, P2P Transfer, Money movement.

Cognizant team of .NET Architects formed the Architecture GovernanceCouncil, reporting directly to the Banks Solution Architect

Provided Reference Architecture and Governance to all teamsmaking changes to the OLB repository (i.e. OLB, MM, CCAP andWealth Management)

Addressed gaps in the current design and review processes

Acted as Gatekeepers for the deliverables from the Developmentteam

Liaised with Vendor product team, Development team (from anotherVendor to the Bank), Refactoring team, BAs, Testing team,Performance Engineering team

Cognizant Performance Engineer enhanced the performance of the OLBapplication with stringent NFRs

Business Benefits

More than 9.3 million Online Banking customers migrated to the newenhanced platform in an accelerated timeline

Around 300k Payments & Transfers handled every day

Around 200k Bills paid every day

6 million page views through 1 million customer logins every day

Stable platform delivery with high performance Time taken for customersto Login reduced from 30 secs to 5 secs

Improvement in overall Maintainability, Simplicity, Readability andPerformance of the system resulting in low Maintenance cost

Technology

Vendor product for OLB

.NET ASP.NET, C#, WCF, MVC

TFS, Visual Studio, JavaScript Frameworks

SQL Server, DB2

| 2015, Cognizant

Mobile Microsites & Analytics Integration

35

Business Need

Increase Customer Reach: Micro-site mobilization is an acquisition andcross-sell strategy, targeting new customers and existing customers andleverages smart-phone penetration

Provide enhanced User Experience on Mobile Channel, consistent withWeb Channel.

Business users need to be in control of content.

Need for increased cross-selling through Targeted Campaigns on mobilechannel.

Cognizant Solution

Mobile optimized site (Responsive design) for multiple Device types(Phones, Tablets) with content-managed pages (Interwoven)

Integration with Bing Maps API to locate ATMs and Branches using zipcode/area code

Enhanced Performance through usage of Sprite Images, Gzip etc.

Clickstream Analytics Adobe SiteCatalyst, Target Marketing & OfferManagement Adobe Test & Target, Multi-Channel Analytics AdobeInsight

Technology

Business Benefits

Consistent user experience across channels

Increased cross-sell opportunities cross-selling through targetedcampaigns

One of the top 5 Mobile Financial Services in USA as of Mar 2014 (as perKeynote)

Average Form Starts per Week 5200+ & Average visits per Month 740K+

None of the firms we reviewed lets customers apply for new productsthrough a downloadable app or even initiate an application to becompleted through another channel. We dont believe a dedicatedmobile application for new products is necessary, but we do believe thatletting customers and prospects respond to marketing offers is animportant opportunity for banks. ABC Bank, for example, lets visitors to itsmobile website click on the apply link within a product screen and thenfill out a simple, cleanly designed set of five fields with a simple promise, .. . well get right back to you

Forrester 2013 US Mobile Banking Functionality Rankings

| 2015, Cognizant

Mobile Prepaid Cards UX Revamp

36

Business Need

One stop shop for all the prepaid card features and information andKeep up with market trends to offer best mobile user engagement.

Providing the best user experience on mobile devices and accessing thePre-paid cards information and features at finger tips.

A simple, engaging and user friendly application.

Drawbacks of Current Application

Inconsistent alignment, spacing/ padding across the application andInformation grouping is reducing scan-ability

Inconsistent positioning of CTA (action buttons) and attributes andRedundant navigation can confuse user

No consistent font style/ font family and No visual hierarchy is provided

Only Primary colors and Bold Fonts have been used for the secondary/support functions and does not match current trend.

Cognizants Proposed Solution

Visually Appealing UI

Layered UI approach which is the latest trend in the Mobile UI design.

Effective and logical presentation of information and form elements.

Effective Use of Iconography and Typography.

Key information is emphasized to gain user attention.

Effective utilization of real estate.

Layered UI approach to make the screen look visually appealing and engaging.

| 2015, Cognizant

Targeted Promotion in Branch through iBeacon

37

What is a Beacon?

A Beacon is a small, wireless device. When placed in a physical space, it broadcasts tiny radio signals to smart devices. Smartphones

that are in range are able to 'hear' these signals and estimate their location very precisely, as well as communicate with the beacon to

exchange data and information.

Demo App

In this demo app, the user is notified (via an native notification)when (s)he enters a predefined perimeter. Here we haveconsidered the Banks Branch.

Notification Screen: User will get a notification message with theBank logo as Welcome to Branch when they enter theperimeter or when they move near to beacon.

Banker: The Banker is alerted with a notification message aboutthe arrival of the customer inside the Branch. The Banker canpush a relevant offer to the customer

Offer: The customer gets a notification on the Offer pushed bythe Banker.

| 2015, Cognizant

Digital Analytics

38

Business Need

As part of the Online Channel Refresh program, the Bank wanted to start aninitiative to track a 360 degree view of the customer experience on theBanks online and offline channels

Customer recognition at each touch point

Faster T2M from business lines & marketing organization.

Targeted Campaigns increased product adoption due to Cross sell &Upsell

Building Personalization through segment identification

Ability to improve efficiency and speed within the reporting and analyticenvironment.

Cognizant Solution

Target Marketing & Offer Management using Adobe Test & Target

Multi-Channel Analytics using Adobe Insight

Recognize customers using common key across multiple channels

Build unified online & offline data store for 360 degree view

Custom tagging for online analytics using Adobe Site Catalyst

Tag Management using Ensighten

Highlights

Benefits to the Bank as highlighted in the Forrester Research paper

Achieved risk-adjusted 3 year ROI of 25%.

Reached break-even on the investment within one year.

Used a triangular distribution low, medium, and high to risk-adjust costsand benefit estimates

Technology

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Documents

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