Mobile Money 1/37 Fiserv Mobile Money Staff Education © 2010 Beavercreek Marketing, a division of Beavercreek Inc. All rights reserved. All trademarks or trade names are the property of their respective owners.

2/37 Industry Trends Types of Mobile Devices Mobile Money Features Mobile Money Security Q&As Product Roll Out You’ll Learn

Mobile Money 3/37 Mobile Money What is Mobile Money? Mobile Money is the ultimate on-demand service. With it, users can access their account information 24/7 from any mobile phone with either text messaging or Mobile Web access.

Mobile Money 4/37 Mobile Money Industry Trends Mobile Banking will grow even faster than online banking. The majority of U.S. banking consumers check their account balances frequently. 29% inquire about their balances daily. 70% of call center volume to financial institutions will come from cell phones within 3 years. SOURCE: CELENT AND PHONECONTENT.COM

Mobile Money 5/37 Mobile Money Industry Trends Prime prospects for Mobile Money include: All current Internet Banking customers/members. All current Bill Pay customers/members. Generation X and Generation Y customers, years old. Business professionals. People who travel frequently. College students. Active cell phone and Internet users.

6/37 Mobile Money: Three Types of Mobile Devices

Mobile Money 7/37 Mobile Money 1. Text Banking From mobile phones with text capabilities users can: View account balances View recent transaction history Receive text “Alerts” on selected banking transactions Standard text rates apply

Mobile Money 8/37 Mobile Money 2. Mobile Web Banking From mobile phones with Web access users can: View account balances View recent transactions View pending transactions Receive text alerts on banking transactions Transfer funds between accounts Pay bills from your mobile phone Locate a nearby branch or ATM Mobile Web service is required for this level of service. Standard Internet fees apply.

Mobile Money 9/37 Mobile Money 3. Smart Phone APP Same functions as Mobile Web Banking Mobile Money APP must be downloaded and installed onto compatible mobile devices Currently available for iPhones, iPad, and selected iPod devices

Mobile Money 10/37 Mobile Money Features: View Balances Instantly access real time account balances View recent transaction history Available for all mobile phone types, including Text Banking

Mobile Money 11/37 Mobile Money Features: Alerts Alerts can be delivered by text message, or sent to any address. Available for all mobile phone types, including Text Banking Cell phone providers may charge additional fees for Web access or text messages.

Mobile Money 12/37 Mobile Money Features: Alerts (cont.) Types of alerts include: When an account falls below a selected balance. When a deposit has been made - ideal for direct payroll or social security deposits. When any check over a selected amount has cleared. This can help protect customers against fraud and identity theft. Plus several other types of useful alerts.

Mobile Money 13/37 Mobile Money Features: Transfer Funds Now users can transfer funds between their accounts right from their mobile phone. Available for all mobile phone types, except Text Banking Mobile Web service is required for this level of service.

Mobile Money 14/37 Mobile Money Features: Mobile Bill Pay Pay bills right from your mobile phone Make or schedule payments View and modify scheduled payments. View recent payment history. Users must be enrolled for our online bill pay service Available for all mobile phone types, except Text Banking

Mobile Money 15/37 Mobile Money Features: Branch and ATM Locator Quickly locate a nearby branch or ATM Clearly displayed on map with GPS positioning Available for all mobile phone types, except Text Banking

Mobile Money 16/37 Mobile Money Mobile Money Security In the early days of online banking, most consumers thought it was “unsafe” to access their account over the Internet. Today, nearly 70% of the public considers online banking to be safe and secure. The same misconceptions exist today for Mobile Money. Customers/members need to be educated about the high level of security of Mobile Money.

Mobile Money 17/37 Mobile Money Mobile Money Security Why text banking is secure: View accounts by nicknames you set, not account numbers No detailed personal information is sent Why phones using Mobile Web and APPS are secure: 128-bit encryption masks your sensitive information Password is required each time you log on Consumer’s private “picture and pass phrase” are displayed to protect against “phishing”

18/37 Q&As

Mobile Money 19/37 Mobile Money How much does Mobile Money cost? Mobile Money is a free service – customers/members must first be enrolled for online banking. Standard charges from your cell phone provider may apply for text messaging or Mobile Web access.

Mobile Money 20/37 Mobile Money Do I need Mobile Web access to use Mobile Money? No. We also offer Text Banking. Any mobile phone with texting capabilities can instantly view balances, recent transactions, and receive text alerts. Standard text rates apply.

Mobile Money 21/37 What types of mobile phones can I use with Mobile Money? 1.Text Banking – Any text compatible mobile device 2.Mobile Web Banking – Mobile phones with Internet access 3.Smart Phone APP – Selected smart phones can install a Mobile Money APP.

Mobile Money 22/37 Mobile Money What types of accounts can I access with Mobile Money? Mobile Money will provide access to the same accounts that are viewable through online banking including checking, savings, CD’s and loans (most financial institutions).

Mobile Money 23/37 How do I enroll for Mobile Money? Enrollment is completed through our Internet Banking system. 1.Log on to Internet Banking. 2.From the Options menu, choose “Mobile Money Enrollment” and complete the form. 3.A text message will be delivered to your phone with easy instructions to activate your Mobile Money service. Refer to our Online Education Center tutorial for detailed instructions (for OEC subscribers).

Mobile Money 24/37 Mobile Money Is there a wait period after enrolling? No. Once you’ve enrolled and activated the service, Mobile Money is ready to use.

Mobile Money 25/37 Mobile Money How do I log on to Mobile Banking? View our Mobile Money tutorial to learn how to log on and use Mobile Money Tutorial is located at NOTE: THE ONLINE EDUCATION CENTER TUTORIAL IS AN OPTIONAL SERVICE AVAILABLE TO FISERV FINANCIAL INSTITUTIONS.

Mobile Money 26/37 Mobile Money What do I use for my Mobile Money password? The password used for Mobile Money is the same as the password you use to log on to Internet Banking. If you change your Internet Banking password, your Mobile Money password will also change.

Mobile Money 27/37 Mobile Money Is Mobile Money Secure? Absolutely. Text banking security: View accounts by nicknames you set, not account numbers No detailed personal information is sent Mobile Web and APPS security: 128-bit encryption masks your sensitive information Password is required each time you log on Consumer’s private “picture and pass phrase” are displayed to protect against “phishing”

Mobile Money 28/37 Mobile Money Is software required to be installed on my phone? No software is required for Mobile Money, unless you choose to download and install the optional Smart Phone APP.

Mobile Money 29/37 Mobile Money How do I install the Smart Phone APP? When you sign up for Mobile Money, a link is provided to download the APP for your iPhone or compatible iPod or iPad.

Mobile Money 30/37 Mobile Money How do I receive alerts on my cell phone? Simple. Set these up during the enrollment process. You can change or cancel alerts anytime by logging in to Internet Banking and modifying your alert preferences.

Mobile Money 31/37 Mobile Money Can I pay bills through Mobile Money? Yes. Now you can pay your bills right from your cell phone. View and modify pending payments. Must be enrolled for our online bill pay service to access this feature. Our standard bill pay fees apply for payments made from your mobile phone. Mobile Web service is required for this level of service. Not available with our Text Banking option.

Mobile Money 32/37 Mobile Money Can I set up new payees through Mobile Bill Pay? No. You can easily add new payees by logging on to our Internet bill pay service.

33/37 Mobile Money Product Roll-Out

Mobile Money 34/37 Mobile Money Product Roll Out Key Dates: Money Money will be rolled out on Employees can enroll and beginning using Mobile Money on

Mobile Money 35/37 Mobile Money Product Roll Out Action Items for All Employees: Watch the Mobile Money tutorial* at We encourage all employees to enroll and use Mobile Money Learn responses to frequently asked questions – refer to hand out Talk to customers/members about our new mobile service! − About exciting features like receiving Alerts and Mobile bill pay − About the high level of security Ask them to log on to Internet Banking and enroll – it’s FREE! *Available with the Online Education Center subscription.

Mobile Money 36/37 Mobile Money Product Roll Out Customers/members will learn about Mobile Money: Online Education Center tutorial Mobile Money brochure Statement insert Lobby display Newspaper ad Web banner ad By visiting with you! Contact Beavercreek Marketing for assistance with Mobile Money marketing and education materials at or to

Mobile Money 37/37 Fiserv Mobile Money Staff Education © 2010 Beavercreek Marketing, a division of Beavercreek Inc. All rights reserved. All trademarks or trade names are the property of their respective owners.