1. Online Banking ePayments Beth A. Ewing, CCM Vice President Southeastern Sales & Network Development eWise | Secure Vault Payments bewing@ewise.combewing@ewise.com770685.1524 (o) 678.427.4444 (m)

5. Payments Social Wireless

6. Growth of e-commerce is outpacing traditional retail & has continued to grow through economic downturns.

7. Bank revenues from payments fell at a compound annual rate of 4% over the past 2 years.

8. 76% of American consumers have an active PayPal account.

9. CohortDate of BirthAge in 2015Population (000s) % of Population in 2015 MaturesPrior to 194670+31 Million9.7% Baby Boom1946 to 196451 to 6974 Million22.9% Generation X1965 to 198035 to 5066 Million20.5% Generation Y1981 to 200015 to 3486 Million26.7% Generation as a Percent of the US Population, 2015F the US population is shifting to a younger demographic

10. Gen Y shifting the face of online banking …and your customer base by 2014, more than 80 percent of Gen Y households will bank online will account for 40 percent of online banking households heightened expectations for site functionality and ease of use Source: Forrester Research 2009

12. Trust & Simplicity Drive consumer behavior

13. DDA accounts remain at the center of personal finance

15. first they visit the merchant or biller site and view their bill

16. select payment option

17. select their bank

18. login to their online bank site

19. authorize payment from the account of their choice

20. return to the site for their receipt

22. Sign Up Required Separate Account

25. Merchant ACH File Settlement Funds Merchant FI (RDFI) Consumer FI (ODFI) 1 - Add to Cart 2 - Checkout & choose SVP 3 - Choose Bank ---------------------------------------- 7 - Receive Payment Receipt 4 - Sign in to Online Bank 5 - Choose Account for Payment 6 - Submit Payment Merchant Website or Mobile App Online Banking Mobile Banking Consumer OBeP Switch

30. Beth Ewing Vice President Southeastern Sales & Network Development eWise | Secure Vault Payments bewing@ewise.combewing@ewise.com770685.1524 (o) 678.427.4444 (m) Thank You