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Title Slide Heading Font: Calibri, 24 pt Color: White Secondary Heading Font: Calibri, Bold, 16 pt Text color: 196 / 214/ 0 NO SLIDE NUMBER Click on the corner of this text box to delete Title Slide Heading Font: Calibri, 24 pt Color: White Secondary Heading Font: Calibri, Bold, 16 pt Text color: 196 / 214/ 0 NO SLIDE NUMBER Click on the corner of this text box to delete Sharing Parameters Bob Clark, MISER Development Director

HOW DO OUR CLIENTS USE THE SYSTEM? 3 Content Slide Heading (All Slides) Font: Calibri, 28 pt Color: 0/125/138 All Caps Bullets Font: Calibri, Bold, 18 pt Text color: Black Bullet color: Black Sub-bullets 1 Font: Calibri, 16 pt En-dash color: Black Sub-bullets 2 Font: Calibri, 14 pt Bullet color: Black Click on the corner of this text box to delete Content Slide Heading (All Slides) Font: Calibri, 28 pt Color: 0/125/138 All Caps Bullets Font: Calibri, Bold, 18 pt Text color: Black Bullet color: Black Sub-bullets 1 Font: Calibri, 16 pt En-dash color: Black Sub-bullets 2 Font: Calibri, 14 pt Bullet color: Black Click on the corner of this text box to delete Parameters – What parameters are most common? – How much do they differ between clients, banks, and credit unions? – What values are not being used? Transactions – What transactions are most common? – What transactions are being used by channel? – Are employee transactions performed in a specific sequence?

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5 Content Slide Heading (All Slides) Font: Calibri, 28 pt Color: 0/125/138 All Caps Bullets Font: Calibri, Bold, 18 pt Text color: Black Bullet color: Black Sub-bullets 1 Font: Calibri, 16 pt En-dash color: Black Sub-bullets 2 Font: Calibri, 14 pt Bullet color: Black Click on the corner of this text box to delete Content Slide Heading (All Slides) Font: Calibri, 28 pt Color: 0/125/138 All Caps Bullets Font: Calibri, Bold, 18 pt Text color: Black Bullet color: Black Sub-bullets 1 Font: Calibri, 16 pt En-dash color: Black Sub-bullets 2 Font: Calibri, 14 pt Bullet color: Black Click on the corner of this text box to delete MISER is a parameter driven system – 3,646 association parameters – 86 PCD account type parameters – 93 PLN ML account type parameters – 93 PLN IL account type parameters – 93 PLN OL account type parameters – 93 PLN CL account type parameters – 24 PLY account type parameters – 108 PND account type parameters – 190 PNL account type parameters – 80 PSV account type parameters – 711 WXP parameters

PARAMETERS 6 Content Slide Heading (All Slides) Font: Calibri, 28 pt Color: 0/125/138 All Caps Bullets Font: Calibri, Bold, 18 pt Text color: Black Bullet color: Black Sub-bullets 1 Font: Calibri, 16 pt En-dash color: Black Sub-bullets 2 Font: Calibri, 14 pt Bullet color: Black Click on the corner of this text box to delete Content Slide Heading (All Slides) Font: Calibri, 28 pt Color: 0/125/138 All Caps Bullets Font: Calibri, Bold, 18 pt Text color: Black Bullet color: Black Sub-bullets 1 Font: Calibri, 16 pt En-dash color: Black Sub-bullets 2 Font: Calibri, 14 pt Bullet color: Black Click on the corner of this text box to delete After removing association specific fields (regions, dates, security code) resulted in 2,447 association parameters that were analyzed. – We identified the most common parameters in use at banks and credit unions. – The most common values at banks and credit unions are the same in 2,339 of the parameters. The most common values at banks and credit unions are the same on 446 of the WXP parameters. We identified 1,105 options that are not being used by any clients.

7 Full Image Slide with Statistic Call- Out Insert your own data in box. Statisic Copy Header Font: Calibri, 28 pt Color: White Copy Font: Calibri, 24 pt Color: White NO SLIDE NUMBER Click on the corner of this text box to delete Full Image Slide with Statistic Call- Out Insert your own data in box. Statisic Copy Header Font: Calibri, 28 pt Color: White Copy Font: Calibri, 24 pt Color: White NO SLIDE NUMBER Click on the corner of this text box to delete Type Total Parameters Identical Values % AP3, % Acct Type % WXP % Total5,2171,41327%

PRODUCTS USED BY SEGMENT Table with Bullets Insert your own data in table. Click on the corner of this text box to delete Table with Bullets Insert your own data in table. Click on the corner of this text box to delete 8

PARAMETERS 9 Content Slide Heading (All Slides) Font: Calibri, 28 pt Color: 0/125/138 All Caps Bullets Font: Calibri, Bold, 18 pt Text color: Black Bullet color: Black Sub-bullets 1 Font: Calibri, 16 pt En-dash color: Black Sub-bullets 2 Font: Calibri, 14 pt Bullet color: Black Click on the corner of this text box to delete Content Slide Heading (All Slides) Font: Calibri, 28 pt Color: 0/125/138 All Caps Bullets Font: Calibri, Bold, 18 pt Text color: Black Bullet color: Black Sub-bullets 1 Font: Calibri, 16 pt En-dash color: Black Sub-bullets 2 Font: Calibri, 14 pt Bullet color: Black Click on the corner of this text box to delete Benefits – We are updating our development and QA environments to reflect the most common parameters. Improve quality. – Provided reports to customer care, development, and implementations to assist in troubleshooting issues, defining enhancements, and setting up new clients. Improve support – Reviewing options that are not being used to reduce and streamline the code base. Improve quality. Future Analysis – Reward Parameters – Service Charge Parameters – ATM Parameters Account Summary Data – What specific account field values are being used? – What database fields are not being used? – How many UDD fields are used?

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11 Content Slide Heading (All Slides) Font: Calibri, 28 pt Color: 0/125/138 All Caps Bullets Font: Calibri, Bold, 18 pt Text color: Black Bullet color: Black Sub-bullets 1 Font: Calibri, 16 pt En-dash color: Black Sub-bullets 2 Font: Calibri, 14 pt Bullet color: Black Click on the corner of this text box to delete Content Slide Heading (All Slides) Font: Calibri, 28 pt Color: 0/125/138 All Caps Bullets Font: Calibri, Bold, 18 pt Text color: Black Bullet color: Black Sub-bullets 1 Font: Calibri, 16 pt En-dash color: Black Sub-bullets 2 Font: Calibri, 14 pt Bullet color: Black Click on the corner of this text box to delete MISER is an online system with transactions defined Analyzed one month from 3 service bureau environments – 4 transactions accounted for more than 50% of all activity – 11 transactions accounted for more than 75% of all activity – 16 transactions accounted for more than 80% of all activity – 44 transactions accounted for more than 90% of all activity – 89 transactions accounted for more than 95% of all activity – 239 transactions accounted for more than 99% of all activity – 760 transactions accounted for more than 99.99% of all activity

ALL TRANSACTIONS BY CHANNEL Table with Bullets Insert your own data in table. Click on the corner of this text box to delete Table with Bullets Insert your own data in table. Click on the corner of this text box to delete 12 ChannelTransactions Unknown388,680 ACH1,120,017 ALTIN352,891 ATM2,059,884 Employee2,375,451 Internet1,167,854 Transfer72,284 Voice20,589 Total7,559,650

TRANSACTIONS 13 Content Slide Heading (All Slides) Font: Calibri, 28 pt Color: 0/125/138 All Caps Bullets Font: Calibri, Bold, 18 pt Text color: Black Bullet color: Black Sub-bullets 1 Font: Calibri, 16 pt En-dash color: Black Sub-bullets 2 Font: Calibri, 14 pt Bullet color: Black Click on the corner of this text box to delete Content Slide Heading (All Slides) Font: Calibri, 28 pt Color: 0/125/138 All Caps Bullets Font: Calibri, Bold, 18 pt Text color: Black Bullet color: Black Sub-bullets 1 Font: Calibri, 16 pt En-dash color: Black Sub-bullets 2 Font: Calibri, 14 pt Bullet color: Black Click on the corner of this text box to delete Benefits – Based on transaction code we identified the transactions performed by employees – Based on activity we identified the transactions performed by front-line employees – Created the Teller View in the new DeskTop application to streamline the teller process

THANK YOU Bob Clark Thank You Slide Heading Font: Calibri, 32 pt, All Caps Color: White Presenter Name Font: Calibri, Bold, 18 pt, white Contact Information Font: Calibri, 16pt, 196 / 214/ 0 NO SLIDE NUMBER Click on the corner of this text box to delete Thank You Slide Heading Font: Calibri, 32 pt, All Caps Color: White Presenter Name Font: Calibri, Bold, 18 pt, white Contact Information Font: Calibri, 16pt, 196 / 214/ 0 NO SLIDE NUMBER Click on the corner of this text box to delete