Confidential and Proprietary Trusted Information Exchange Safe, Sound, & Secure Platforms

Confidential and Proprietary Page 2 The $187 Billion Payments Industry Drivers for Change –Check 21 Legislation –Change in FRB Cash Policy & Services –Low-Cost Network & Computing Technology – Multi-Function Shared Service Infrastructure Opportunities –Straight-Through Processing –New Merchant Services –Lower Cost of Operations –Fraud Reduction Opportunities Fraud Losses Operational Expenses –Processing Paper Checks –Transportation –Second Day Processing New 3rd Party Provider Fees –PPS, etc. –Check Verification/Guarantee Sources: ABA Fraud Survey - NACHA Action Project Estimate - Nilson Report – National Retail Federation – Food Marketing Institute $ 0.9 Billion 12.2 Billion 2.7 Billion $ 5.9 Billion 3.8 Billion 3.1 Billion RetailersBanks

Confidential and Proprietary Page 3 Viewpoint / Endpoint Exchange Archive Bank B Bank A On-Us Transit Peer-to-Peer Image Exchange ECP Settlement SVPCo / Federal Reserve Peer to Peer Exchange / Payments Utilities Local Archive Local IRD Print Enterprise Server Application Interfaces Image Sort Decisioning Clearing Local Server POP Connectivity Image Quality Assurance Replication Bank Posting Systems ATM Teller High-Speed Image Capture Merchant POP Bank C Bank D Bank E Correspondent Bank Correspondent Bank Utility

Confidential and Proprietary Page 4 FISERV / Metavante ViewPointeSVPCoBank C EndPoint Exchange Bank A Bank B Trusted Information Exchange Builds Communities Correspondents Communities Merchant Branches Merchant Branches

Confidential and Proprietary Page 5 Service Oriented Architectures Data Process Standard Web Services Information Access Processing

Confidential and Proprietary Page 6 Safe, Sound, & Secure Access to Information I n f o r m a t i o n B u s Check 21 Credit Card Settlement Share & Exchange Information Lockbox & Cash Vault Branch/ATM Capture High Speed Sorter / Corp. POS Capture Correspondent Banks Application

Confidential and Proprietary Page 7 Tremendous Growth Opportunity Integration Opportunity Crosses Multiple:  Business Lines  Industries  Countries Health Care Govt. Telecom Other Industries Other Countries Banking Insurance Brokerage S YNORAN Solutions Any-to-Any Connectivity: Standardized Data, Process, and Access