Mobile Finance Manager ™ - MFM Chris Doner & Mark Barish Access Softek, Inc.

Company Background In business since 1986 Based in Berkeley CA ~ 30 Symitar CU customers SoCalCU, SSSCU, WSECU,Tinker, Schools, MSUFCU, Melrose, Selco, DATCU and more 10 products for financial institutions Mobile banking, online account opening, OFX Direct Connect, AppWatcher and more

Company Background A History of Innovation Third company to release a windows application in 1986 First company to dynamically integrate windows applications First windows document management application Worked on Windows NT, CE, Outlook Worked on iPod Worked on PS3 First Windows Mobile fingerprint recognition application First Web based PFM First application based mobile banking First App, WAP & SMS mobile banking

10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA (510) Access Softek Financial Products Clients

10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA (510) Access Softek Financial Products Clients

10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA (510) Access Softek Partners

10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA (510) Financial Industry Trends – Anywhere Anytime ATM’s Telebanking/IVR Desktop online banking Mobile Banking Financial Industry Trends

Company Background Trends The phone in your pocket is roughly the computer on your desk 6 years ago. Camera, watch, calculator, PDA, music player, TV, games, GPS , internet and phone. iPhone great browser – 1 billion downloads The average phone is replaced after about 16 months. BofA 2 million mobile users 2x in the last 6 months. 29 Million use online banking

10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA (510) Mobile Finance Manager ™

10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA (510) Mobile Finance Manager ™ SMSWAPAPP SecurityLowMediumHigh Dataplan requiredNoYesyes SMS plan required YesNo Phone supportAllMost App Store Presence No Yes SpeedGood Best Offline viewingYesNoYes Branding/ Graphics NoYes

10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA (510) Connecting to the core Screen scraping vs. middleware –Screen scraping Fragile – breaks if online banking changes Limited to online banking features Vendor dependant Security Quick for a new core –Middleware (e.g. OFX) Stable Proven Secure Industry standard Mobile Finance Manager ™

10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA (510) The Solutions Phone Screen Scraping Software Online Banking Core Gateway Core System Web Server Phone Middleware Core Adapter

10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA (510) Mobile Finance Manager ™ Services… View account balances View account histories Transfer funds Pay bills online Create graphical reports Receive secure and trusted s directly from your financial institution Find branch and ATM locations Advertise & communicate Mobile Finance Manager ™

10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA (510) Mobile Finance Manager ™ Technologies… Mobile banking –App – Downloadable application –WAP – Browser based –SMS – Text messaging –Multi-Factor Authentication Mobile Locator Mobile Redirector OFX (Open Financial eXchange) middleware Administration and reporting Mobile Finance Manager ™

10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA (510) Mobile Finance Manager ™ Technologies… Demo Mobile Finance Manager ™

10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA (510) Access Softek Thank you. Questions?