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

2. 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

3. 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

4. 10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA 94710 (510) 848-0606 4 Access Softek Financial Products Clients

5. 10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA 94710 (510) 848-0606 5 Access Softek Financial Products Clients

6. 10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA 94710 (510) 848-0606 6 Access Softek Partners

7. 10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA 94710 (510) 848-0606 7 Financial Industry Trends – Anywhere Anytime ATM’s Telebanking/IVR Desktop online banking Mobile Banking Financial Industry Trends

8. 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 email, 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

9. 10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA 94710 (510) 848-0606 9 Mobile Finance Manager ™

10. 10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA 94710 (510) 848-0606 10 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

11. 10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA 94710 (510) 848-0606 11 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 ™

12. 10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA 94710 (510) 848-0606 12 The Solutions Phone Screen Scraping Software Online Banking Core Gateway Core System Web Server Phone Middleware Core Adapter

13. 10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA 94710 (510) 848-0606 13 Mobile Finance Manager ™ Services… View account balances View account histories Transfer funds Pay bills online Create graphical reports Receive secure and trusted e-mails directly from your financial institution Find branch and ATM locations Advertise & communicate Mobile Finance Manager ™

14. 10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA 94710 (510) 848-0606 14 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 ™

15. 10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA 94710 (510) 848-0606 15 Mobile Finance Manager ™ Technologies… Demo Mobile Finance Manager ™

16. 10/21/2015 Access Softek, Inc. Company Confidential 727 Allston Way, Berkeley, CA 94710 (510) 848-0606 16 Access Softek Thank you. Questions? cdoner@accesssoftek.com mbarish@accesssoftek.com