1. The Impact of Mobile on the Future ofRetail Banking21 June, 2013 Confidential 1Ron ShevlinSenior Analyst, Aite GroupJohn BalosePrincipal Market Manager, ACI WorldwideOur software underpins electronic paymentsthroughout retail and wholesale banking,and commerce, all the time, without fail.Debi Harrison, Director Customer andOperations Manager, Watford

2. Copyright 2013 Aite Group, LLC 2@rshevlin 3. Copyright 2013 Aite Group, LLC 3@rshevlinThemeMobile innovation is creatinga new phase of competitionin financial services 4. Copyright 2013 Aite Group, LLC 4@rshevlinAgenda Why change now? How will mobile change FIs? What is the new phase of competition? 5. Copyright 2013 Aite Group, LLC 5@rshevlin-2%0%2%4%6%8%10%12%14%16%1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009Source: Federal Reserve BankBank return on equity 6. Copyright 2013 Aite Group, LLC 6@rshevlinBridging the ROE gapSource: Boston Consulting GroupCurrentROECostreductionPricing Growth8%HistoricalROE+3-4%+1-2%+1-2% 13-16% 7. Copyright 2013 Aite Group, LLC 7@rshevlinDeposit account service charges32.034.036.038.040.042.044.02008 2009 2010 2011 2012US$ (in billions)-19%Source: Novantas 8. Copyright 2013 Aite Group, LLC 8@rshevlinThe NII challengeSource: http://www.bankregdata.com/allIEmet.asp?met=NII2.62%1.27%1.46% 1.42%>$50B(n=35)$5B to $49B(n=125)$1B to $5B(n=471)