Copyright© 2017 Ensenta Corporation Real-time access to Early Warning Deposit Chek Service account status for deposited items Copyright© 2017 Ensenta Corporation

Agile Risk Management™ platform The 2014 RDC Summit Agile Risk Management™ platform Key focus using EZAdmin - User experience - Mitigating deposit risk - Efficiencies Why bother with analytics? Simply put, analytics can simultaneously address three critical issues facing FIs today: - To ensure that the user has the best possible experience making mobile deposits To reduce the risk of accidental or deliberate misuse Improve end-to-end operational efficiency and therefore boost profits. The hurdle is to not trade-off one attribute for another, but to enhance all three- and to do this with flexibility as each financial institution can have unique requirements.. Here is how we address the challenge. Analytics to optimize all three challenges simultaneously Copyright© 2017 Ensenta Corporation Copyright 2014, RemoteDepositCapture.com

Protect All Items Across All Capture Sources Items sent to EWS based on dollar amount threshold defined by segment Financial Institution Early Warning Item Presented Place in Queue High Risk Queue Desktop ATM Business Mobile Banking Copyright© 2017 Ensenta Corporation ©

Participant Status Codes Definition 02 Closed For Cause 12 Closed 03 Closed For Cause-Purged 13 Closed-Purged 04 Stop Payment 4 Field Individual Match 14 Pending Closed 05 Stop Payment 4 Field Range Match 15 Return Item Account (Recent Returns) 06 Stop Payment 3/4 Field Individual Match 20 Enhanced OD (3/90) 07 Stop Payment 3/4 Field Range Match 21 Enhanced OD (5/365) 10 Post No Debits 22 Enhanced OD (10/365+) 11 Post No Checks Hard Hits 00 Not Located 34 Dormant/Inactive 16 Return Item Account (Recent Returns) 35 Deceased 28 Divested Purged 36 Lost/Stolen Checks 30 Overdrawn 37 Attached 31 Overdrawn New Account 38 Divested Account 32 Uncollected Funds (UCF) 49 Stop Payment 3/4 Field Dollar Amount 33 UCF/New Account Soft Hits 40 New Account (8-60 days) 80 Credit Card Check 41 New Account (0-7 days) 81 Participant Line of Credit Check 42 New Account (61-120 days) 82 Participant Home Equity 43 New Account (121-180 days) 84 Brokerage Check 55 Official Item – Cashiers Check 98 Non-DDA 58 Forced to Present* 99 Present 59 Forced to Present Informational Hits Copyright© 2017 Ensenta Corporation

Participant and Scored Account Inquiry Coverage Participant Accounts Direct Contribution Scored Accounts Modeling 60% 750M 35% 83M Financial institutions with more than 250,000 share draft or checking accounts are required to contribute their account status data if they are using the Early Warning data. Financial intuitions below 250,000 accounts are not required to contribute data. Those who contribute are contributing nightly to the database which subsequently updates the scored model nightly. of Inquiry responses Accounts of Inquiry Responses Accounts Account status Incoming & outgoing returns Transit items & inquiries Non-participant data contribution Processed to risk score the accounts 95% Total Inquiry Response Coverage1 1As of Q2 2014. Coverage is inferred from Early Warning’s ability to respond to all inquiries using the Participant and Scored Account databases.

Additional Risk and Fraud Mitigation Account Status Warnings ICC - Account Alert ICC - Account Denied ICC - No Alerts Found ICC - No Risk Found ICC - Routing Alert ICC - Routing Denied IFC - Account Closed IFC - Account Dormant or Inactive IFC - Account Forced to Present Open or Active IFC - Account Overdrawn IFC - Account Purged IFC - Amex Travelers Cheque or Gift Cheque IFC - Enhanced Account Overdrawn IFC – Moderate Return Probability IFC - New Account IFC - No Risk Found IFC - No Status Information Available IFC - Non-DDA Account IFC - Not Located IFC - Post No Debit IFC - Scored Account High Return Probability IFC - Scored Account Low Return Probability IFC - Scored Account Mod Return Probability IFC - Stop Payment IFC - Unscorable Account Due to High Volume Early Warning high risk account status codes listed above in RED will be routed to the Needs Review if Ally chooses to activate a trial use of the service to identify risky items. Copyright© 2017 Ensenta Corporation

Copyright© 2017 Ensenta Corporation EZAdmin EWS Review Check21 Express On the EZAdmin proofing screen, any Ensenta risk factors related to IFC will appear EWS response data is mapped to Ensenta risk factors Copyright© 2017 Ensenta Corporation

Early Warning Trigger Settings Best Practice Settings EZAdmin Risk Factor Code EWS Type Default Check21 Express Queue IFC - Account Closed ECDRF161 Hard Extended Flag Reject IFC - Account Dormant or Inactive ECDRF168 Soft Std Hold - Flag IFC - Account Forced to Present Open or Active ECDRF170 Info Needs Review IFC - Account Overdrawn ECDRF167 High Risk IFC - Account Purged ECDRF166 IFC - Enhanced Account Overdrawn ECDRF165 IFC - New Account ECDRF169 IFC - No Risk Found ECDRF180 One Click IFC - No Status Information Available ECDRF173 IFC - Non-DDA Account ECDRF171 IFC - Not Located ECDRF194 IFC - Official Item ECDRF203 IFC - Open Valid ECDRF204 IFC - Post No Debit ECDRF163 IFC - Moderate Return Probability ECDRF164 IFC - Scored Account High Return Probability ECDRF174 IFC - Scored Account Low Return Probability ECDRF175 IFC - Scored Account Moderate Return Probability ECDRF176 IFC - Stop Payment ECDRF162 IFC - Unscorable Account Due to High Volume ECDRF177 IFC - High Return Probability ECDRF205 Early Warning Trigger Settings Account Holder Group Dollar Limit Tier 1 Gold $ 1,200.00 Tier 2 Silver $ 900.00 Tier 3 Bronze Default $ 500.00 New User Group $ 200.00 Copyright© 2017 Ensenta Corporation

Optimizing Efficiency with “One Click” The 2014 RDC Summit Optimizing Efficiency with “One Click” Straight Through Processing = Considerations: Efficiency Risk mitigation Compliance guidelines Segmentation = EWS Warning Categories Hit % Early Warning Best Practice Ensenta Risk Factor Recommended Queue High Risk .33% Reg CC Extended Hold Reject at Point of Presentment Moderate Risk .46% Review account holder history to determine need for Hold Needs Review Information Warning 1.29% Review account holder history Particular warnings to Needs Review Open/Active No hold necessary One Click Approval Clearly, the goal is to capture once with minimal intervention, Straight Through Processing. Adjusting Ally risk factors to analyze which risks are important and which are not to fully utilize One Click Approval, leaving only the items that Ally’s granular policy may indicate needs a second look improving workflow efficiency. Xan will research the Ally actions on One Click approval queue items and report back to the team before adjusting so Ally can confidently use the One Click Approval queue. Copyright© 2017 Ensenta Corporation Copyright 2014, RemoteDepositCapture.com

Copyright© 2017 Ensenta Corporation EZAdmin EWS Review Check Deposit Log View by deposit that includes EWS response data for that deposit Copyright© 2017 Ensenta Corporation

Copyright© 2017 Ensenta Corporation EZAdmin EWS Review Instant Fraud Log View of all EWS responses A given deposit may have multiple responses Copyright© 2017 Ensenta Corporation

Copyright© 2017 Ensenta Corporation The 2014 RDC Summit Questions? Copyright© 2017 Ensenta Corporation Copyright 2014, RemoteDepositCapture.com