Streamlining Processes Across Retail Banking Channels Call Centers Website Branch Mobile Applications

Use Case | Accelerate Loan Application Processes Completing loan applications simply, anywhere - even over the phone Solution: Instantly authorize & collect e-signatures to replace tedious T&C’s scripts & paper processes by sending signable digital forms to cell phone via SMS. Instantly collect and verify supporting documentation without needing to send customers to clunky portals, emails or fax. Complete entire loan processes in-channel. Ensure all steps are completed the first time to slash abandonment rates & decision cycles by 50%. Authenticate customer identity in real-time for KYC & reduce fraud risk. Collect payments in an instant, secure and PCI compliant fashion without sending customers to IVR’s, portals or external payment gateways for simple, on-time repayments SHOW Results: +25% Completion Rates -35% Time to Fund -50% Calls to Complete

Use Case | Streamline New Product Sales & Credit Card Issuance Completing compliant sales in one interaction - even over the phone Solution: Share images and data sheets for financial products, services, credit cards and investment vehicles while speaking with customers on the phone. Stop reading out lengthy T&C’s scripts. Obtain digital acceptance to the T&C’s through Lightico and reduce acceptance time by up to 50%. Instantly collect e-signatures and forms in-channel without needing to send customers to clunky portals, emails or fax. Simply send a signable digital form to their mobile device via SMS. Verify customer identity and collect documents in real-time to complete KYC & reduce fraud risk. Collect payments in an instant, secure and PCI compliant fashion without sending customers to IVR’s, portals or external payment gateways. Results: +25% Completion Rate -20% AHT +15% NPS

Use Case | Accelerate Digital Banking in Mobile App & Branches Enabling Simple, Complete Digital Banking at Branches and through Mobile App Solution: Provide easy digital onboarding opportunities for customers enable processes to be instigated and completed through a simple text message, directly from the cell phone (no email, portal or app required) Accelerate branch service & eliminate clumsy paperwork and processes. Harness in-branch tablets or SMS messages with smart eForms & digital signatures to complete processes. Expand Mobile App & Website Capabilities. Provide a broader range of completable services from the website or existing consumer applications. Simplify the completion of consent, signatures and T&Cs effortlessly at branch, freeing time for higher-value interactions Results: Exceptional branch experiences Accelerate branch sales & service processes Reduced operational costs

Use Case | Streamline Account Service and Management Clarifying and resolving issues with customers in real-time, even over the phone Solution: Collaborative view empowers agents to resolve account inquiries faster. Agents share the documents & statement and annotate to clarifications. Instantly update customer details without needing to send customers to portals, emails or fax. Simply send a web-form to their mobile device and stream the updated data directly to your CRM. Verify customer identity in real-time to complete KYC & reduce fraud risk. Results: +25% Self Serve -80% TAT +15% NPS

Micro-Apps & Capabilities Per Channel Call Center Branch WebSite & Mobile App Service Additional remote capabilities: Real time video sharing, Image sharing, product material Co-view accounts to accelerate queries - Real time, agent assisted bll review reduces customer frustration and call back. Instantly collect documents -e.g. change of address Collect customer signature Paperless forms and signatures In-Store tablets or texts to customer phones to complete tasks Embedded forms in the company website e.g. product onboarding, service requests Embedded Payment Identity Verification Redirecting offline channels (TV, billboard) to a specific workflow Complete end to end documents in online acquisition Simplify compliance requirements - Immediate sign off and consent for devices ensures efficient compliance Sales Complete entire loan application and new product sales in-channel Explain products and services with visuals and co-viewing Identity Verification Signatures & T&C’s approvals Collect customer documentation Collect secure PCI payment