The Foundation for your Future Digital Innovation: The Foundation for your Future Chris Doner This document includes confidential information and should only be shared under NDA.

The Digital Future Background on Access Softek Founded in 1986 Not venture funded First to release downloadable applications for mobile banking Fingerprint, RDC, Apple watch, mobile lending, online biometrics, RD Team, AB testing and more Growing rapidly #2 market share for mobile banking with credit unions

Strategy Industry Trends The Mobile Tipping Point Mobile vs. Omni-Channel Alternative lenders Machine Learning More and Deeper Analytics Biometrics Bots Voice (Google Home, etc.)

Strategy Product Goals Rapid Innovation Security Faster Deployments Minimize Member Impact High Availability No Downtime Upgrades Mobile-First Omni-Channel Completeness Branch Replacement Call Center Replacement

Strategy Our Lineup of Core Products Mobile Banking Online Banking Mobile and Online Lending Mobile and Online Account Opening These 4 products are the foundation of your digital future. Attract, Retain, Service and Lend

Strategy Bottom Line We want Access Softek clients to have better financial performance, more engaged users and to be at the forefront of innovation.

Mobile Banking Mobile Finance Manager - MFM Bill pay Add/edit payees and ebills Mobile deposit capture Real time deposits (free) Individual variable holds Over 15 vendor integrations

Mobile Banking Mobile Finance Manager Biometrics Ads Branding Multiple biometrics Ads Targeted and personalized with deep linking Branding Seasonal images Pre-roll screens

Mobile Banking Mobile Finance Manager PFM Transfers Extensible Not a third party Goals, cash flow much more Free Transfers PayPal Extensible SSO API (free)

Mobile Banking Mobile Finance Manager Quick balance Very cool UI Transaction search Google analytics Data warehouse integration Alerts Push notifications Card disputes Services for members with indirect loans Hundreds more configurable options for features, UI and UX

Orpheus – Online Banking

Online Banking Friends and Family

Online Banking Account Aggregation

Online Banking Unified transfers

Online Banking Save the Change

Extensible with personalized widgets Online Banking Extensible with personalized widgets

PFM you use – data visualization throughout Online Banking PFM you use – data visualization throughout

Online Banking Triggered Events

Deep Linking Ads – e.g. balance transfer Online Banking Deep Linking Ads – e.g. balance transfer

Online Banking Business Banking

Thousands of configuration options Online Banking Thousands of configuration options

Mobile-First Omni-Channel Online Banking Mobile-First Omni-Channel

Automated Deployments and Upgrades Online Banking Automated Deployments and Upgrades

Admin Tool SSO – Integrated Management Center Online Banking Admin Tool SSO – Integrated Management Center

Online Banking Hosted or Onsite

Online Banking Kill the Password

Online Banking And a lot more coming…

Mobile and Online Lending

Mobile and Online Lending Consumer Lending Auto – Personal – Credit Cards (with insurance options)

Mobile and Online Lending Real-Time End-to-End Automation

Mobile and Online Lending Photo Balance Transfer

Mobile and Online Lending Pre-Approved Lending

Mobile and Online Lending Short Term Lending

Mobile and Online Lending Mobile Lending Works

Mobile and Online Account Opening

Mobile and Online Account Opening Beyond Filling out Forms – Conversion Rate

Mobile and Online Account Opening Make it easy – take a picture of your drivers license

Mobile and Online Account Opening Make it targeted – Age, gender, location, language, SEG, etc.

Mobile and Online Account Opening Make it optimal – A/B Testing

Mobile and Online Account Opening Make it engaging – conversational forms

Mobile and Online Account Opening

Mobile and Online Account Opening On the backend Quick core integration No downtime for configuration changes Automated deployment

Mobile and Online Account Opening

Mobile and Online Account Opening A new approach to account opening: Personalized Conversational Optimized Responsive Form Filling Workflows

The Future Compete against silicon valley and big banks Digital is the Future of Financial Institutions Compete against silicon valley and big banks Consolidation of all services into mobile and online End-to-End Real-Time Automation Move faster Appropriate resource allocation (how many branches is your future worth?) Client differentiation, mass personalization, with experimentation and analysis We will live in a world with no passwords

Thank You! Chris Doner cdoner@accesssoftek.com Chris Sage csage@accesssoftek.com