State of Elavon

Guy HarrisPresident North America

IntroductionGuy Harris President North American & Global Revenue

Our World

eCommerce Growth Continues

Source: eMarketer, McKinsey

$4,912

$2,050

- 1,000 2,000 3,000 4,000 5,000

2021E

2016

Global eCommerceIn Billions

eCommerce

70% of US growth is from digital channels

(2016-2021)

50B connected devices by 2020

70% of eCommerce traffic will be via

mobile by the end of 2018

Purchasing Shifts Continue

43%29% 20%

57%71% 80%

2011 2016 2021E

Global Wallet Share

Cash & Check Card

Purchase volume is expected to grow at a

rate of ~10% per year from $20.6T in 2016*.*Source: Nilson

…Driving Complexity in Payments

80% of smartphone

shoppers use a mobile device in-store to assist with shopping

Over 50%of purchases are influenced

by digital information

39% of retailers use

in-store signage to convert customers to digital

Consumer Behavior is Blurring the Channels…

*Enterprise Innovation, December 2017

Industry Consolidation

Continuous Investment in Innovation

Internal prioritization to focus on eCommerce:• Corporate restructuring• Dedicated resources• Enhancing capability

Creation of new organization focused on eCommerce & Partner Growth:• Building top talent with ~400 new FTE• Substantial investment to grow the

organization• Investing in training• Acquiring more industry experts

A global focus on enhancing our best in class product set:• Fraud Tools• Global eCommerce Gateway• New Certifications• Digital Boarding• Instant Decisions

People

ProcessProduct

Innovation in Practice

4 OUT OF 5 CONSUMERS USE

VOICE ASSISTANTS

MORE THAN 1/3 MADE A

PURCHASE

71% ARE HAPPY

WITH VOICE

VOICE is the New Mobility

Will it rain tomorrow? // Set alarm for 8AM tomorrow // Play Bruno Mars // Add gelato to my shopping list // How many teaspoons in a tablespoon?

Introducing Your New Voice Assistant Ela

Ela™

Introducing Your New Voice Assistant Ela

Ela™

One U.S. Bank

Closing & Questions