© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

2014 | 2015 | 2016 | 2017 | 2018

Retail banking remains a central touchpoint for consumers, even as the ways in which they manage and move money change. Escalating expectations for

speed and ease continue to transform the branch and banking. How financial institutions manage those shifts will be a focus in 2018 and beyond as new technologies and players begin to take center stage. Set goals for migrating transactions to digital channels. Think differently about the experience you

provide and how you can meet changing, consumer expectation.

1

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DisclaimerThis document contains non-public, proprietary information, and confidential trade secrets. By reviewing this document, you agree to maintain the confidentiality of the information contained herein, and you agree not to photocopy, reproduce, transmit or otherwise distribute this document or the information contained herein, in whole or in part, to any third party without Fiserv’s prior written consent. You agree that sharing this document or the information contained herein with a third party without Fiserv’s authorization will cause it irreparable harm and that monetary damages alone would be insufficient. You therefore agree that Fiserv shall have the right to seek injunctive or other equitable relief, including specific performance, against such breach or threatened breach, in addition to all other remedies available to it at law or otherwise.

Information described in this document is believed to be accurate. However, we make no representations or warranties about such accuracy. This document does not purport to contain all the information that you may require; and we accept no liability, financial or otherwise, for your use or reliance upon this information.

Fiserv reserves the right to revise any portion of its plans at any time without notice. This document is for informational purposes only and the information contained herein shall not be construed as a contractual obligation or guarantee. Fiserv’s only obligations will be reflected in the terms of a definitive written agreement between you and Fiserv, when and if such an agreement is executed, and subject to such limitations and restrictions as may be specified therein.

2

Community Banking in the USRetail Banking Trends Drive Consumer Expectations

Pat Reetz, SVP Product Management

April 27th, 2018 | 9:10 – 10 am

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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The Digital Imperative

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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Today’s Agenda

• The Digital Imperative & Market Expectations

• Fiserv’s Strategic Response• Investing in our client’s success• 2019 and beyond digital experience• Near-Term Advancements

• Innovation and A View of What’s Ahead• Artificial Intelligence• Cloud Strategies• Blockchain

5

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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Mor

e th

an

mobile banking users

80Monline banking

users

More than

22M

Fiserv provides cutting-edge technology that lets us create device-agnostic experiences that provide a single experience.

– Craig Garofalo,SVP and COO

annualtransactions with ASP version of

Mobiliti

Nearly

650M

More than

2,200 ASP clients of

Mobiliti

DIGITAL

Mobile relationships have become paramount in serving the next generation, and Fiserv is definitely on the right track.

– John Orr,Austin Bank

78% of our Retail Online customers are using Mobiliti, and 43% of them have made a mobile deposit. Without Fiserv helping meet the demand for anytime, anywhere banking, we may have lost those customers.

– Brian Collins,SVP, Director of Operations

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Market Expectations

7

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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40 Years Ago

8

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13 Years Ago

Source: yCharts.com, March 2018

9

Market capitalization of AmazonMay 2005

$14.1B

Market capitalization of SearsMay 2005

$18.6B

Market capitalization of AmazonMarch 2018

$760B

Market capitalizationof Sears

March 2018

$0.3B

Today

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

2014 | 2015 | 2016 | 2017 | 2018

Market capitalization as of March 2018. Source of market capitalization data: yCharts.com

10

Sears

Walmart

Amazon

Target

Best Buy

Macy’s

Kohl’s

NordstromJCPenney

2018

And it's not just Sears that's dwarfed by Amazon

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

2014 | 2015 | 2016 | 2017 | 2018

Source: Aite, Top 10 Trends in Retail Banking & Payments in 2018, January 4, 2018

Tech Firms Become Banks

Banks Become Tech Firms

The largest companies today are technology

companies, digital, and “customer obsessed”

And, they’re setting customer’s banking

expectations

8

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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Customers Want Their Banking to Be More Than Digital

Money movement and payments

Personable interaction

Seamless and relevant

notifications

Self-service account management

12

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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Customer Experience Is Your Brand

Sources: Customer Experience Insight, “Customers Want More: 5 New Expectations You Must Meet Now," June 30, 2016; McKinsey and Company, Customer Experience: Creating Value Through Transforming Customer Journeys, Number 1, Winter 2016; Fiserv, DEI white paper; John Moon, Fiserv, “Mobile Banking Adoption: Where Is the Revenue for Financial Institutions,” The Point, January 2016.

13

Customer expectationsMore personalization

More options

Constant contact

Listen closely, respond quickly

Give front-liners more control

Transformation of customer experience processes can

yield a 10%–15% reduction in cost to serve for B2C and B2B players

of buyers would pay more for a better experience86%

higher average revenue for digital users36%

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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Keeping Clients in Step with Expectations

14

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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Key Elements of a Winning Digital Platform

Quality

Deliver a consistently excellent client experience

Digital Engagement

Let me integrate content from sales to service

Flexibility

Give me the capabilities to match my requirements

Customer Experience

Make it easy to use and delight the customer

15

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intelligent experiences

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Our Plan to Deliver These Experiences

17

Account processing

Digital banking

Payments

Enterprise Services Framework

+ + +Core Investments

Data and analytics

Events and alerts platform

Digital branch

Fiserv Design Language

Innovation Inside

Digital

Commercial

Payments

Lending

Targeted Acquisitions

Technology Standards

Openness

Workflow Integration

Implementation Experience

Availability & Performance

Integration Advantage

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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The Outcome of Our Investments

Digital banking platformRedefining how digital experiences are delivered to your customers

Integrated digital coreReimaging the account processing solution experience in a digital world

Commercial servicesBringing a digital experience to your small business and corporate clients

18

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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Mobile Banking

19

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We’re delivering 15 Mobiliti enhancements including a UI refresh

20

• Refreshed mobile banking user interface adopts best in class iOS and Android platform standards

• Increase user satisfaction, quality and accessibility by leveraging native operating system

• Boost app ratings and gather valuable customer insights with ratings prompts

Images are for illustrative purposes only

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ROI Study Results

21

Source: Fiserv proprietary research, 2015 (Mobile ROI Study) Pre/Post – mobile enrollments and transactions primarily in the 2014 considered as the base month. Calculations are done using 3 months window.

46%INCREASE IN POINT OF SALE

TRANSACTIONS

26%INCREASE IN

ATM TRANSACTIONS

12%INCREASE IN

PRODUCT HOLDINGS

36%INCREASE IN REVENUE FROM

TRANSACTION ACCOUNTSMO

BILE

USE

R V

ALU

E(P

ost A

dopt

ion)

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Deposit Originations

22

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Customer Expectations for Digital Account Opening

70% of consumers attempted to use a digital channel to open a checking account• Of these, one in three attempted to start their application on a mobile device*• Of these, one in 12 were successful in completing the application on a mobile device*

Consumers still prefer online over mobile for opening new accounts• Why: Want to complete the process successfully• Problem: Everyone wants mobile first

*Source: Javelin Strategy & Research, "Digital Account Opening Fails to Deliver a Single-Channel Experience,” Feb. 16, 2017

15

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Consumers Abandon Digital Account Opening

24

Process was too complicated

Process was too long

Applicant cannot verify themselves

Required to visit branch to complete

Unclear instructions of what is needed and why

Documents have to be physically signed

Nondigital mobile process

Doesn’t offer the products the customer wants

Lengthy data entry forms

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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Originate Deposits

25

• New Mobile responsive UI

• Supports Deposit Accounts

• Data capture via smart phone camera

Images are for illustrative purposes only

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Must-Haves to Reduce Abandonment

26

Must Be Fast

“15 minutes? Who said that? We need to get it down to

5–10 minutes.”

Must Be Easy

“It should be so easy, my 11-year-old could log in

and open an account.”

Must Be an Omnichannel Experience

“I should be able to pull my phone out, do a couple steps

and then complete the process on my desktop.”

• Fast, responsive user interface• Collect only the information needed • Leverage technology to skip data entry• Display content and progress indicators

to manage expectations for how long it will take

• Limit decisions and data entry• Clear terminology • Complete application without having

to visit branch to complete process

• “Mobile first” design with progressive enhancements

• Leverage platform-specific capabilities

• Easy-to-use “save for later” option

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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Mortgage Originations

27

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Mortgage lenders continue to pour money into automating the loan application process. The best-known example is Rocket Mortgage by Quicken Loans. But Quicken isn’t the only lender that embraces automation.

– Holden Lewis, NerdWallet

Quicken Loans will be working to automatically validate income, asset and employment verification in 2018.

Rocket Mortgage funded $7 billion of Quicken Loans’ record $96 billion in total closed loan volume in 2016, ranking as a top-30 national lender.

According to Quicken, the growth of Rocket Mortgage comes from its appeal to a “new generation” of homebuyers.

– Ben Lane, Housingwire

28

“Quicken Loans has worked diligently to provide clients a completely online mortgage experience from application to closing. The next step in this evolution is to digitally move the note to the industry stakeholders who need it.”

– Jay Farner, Quicken Loans CEO

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2014 | 2015 | 2016 | 2017 | 201829

Within 5 Years, Two-Thirds of Millennials Are Likely to Be Homeowners

48Of millennials would be comfortable using their smartphones to research loan options

%

Source: Fiserv Expectations & Experiences, Borrowing & Wealth Management, 2017

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A Digital OpportunityThe Cost of Mortgage Lending Is Rising

Where’s the expense?

3,107 3,178 3,402 3,796 4,351 4,438 4,841

1,158 1,1951,403

1,7331,793 1,832

1,987

2010 2011 2012 2013 2014 2015 2016

Retail Fulfillment Expense - $/LoanRetail Sales and Marketing Expense - $/Loan

Costs continually rising since 2010, with retail now over $6,000 per loan

Sales represent well over half of the expense

Direct expense = all costs from point-of-sale through closing (loan officers, sales managers, processors, underwriters, closers, sales and operations management)

Stratmor Technology Insight Survey, 2017

30

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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PCLenderDigital Mortgage Solution

31

A comprehensive SAAS solution

Supporting banks, credit unions and mortgage bankers

Life-of-loan support from origination to post-closing, including consumerengagement portals

Comprehensive training and ongoing learning

Preconfigured system configuration speeds the implementation process and reduced system maintenance including integration with industry leading service providers

Advanced reporting with hundreds of preconfigured reports

Embedded compliance and loan quality rules. Always growing and always included

Solves the problem for addressing the following:

Rules-based systems provide more accurate processing and streamlines user workflow unlike template-based systems

• First mortgages• Closed-end second

mortgages• HELOCs • Construction lending

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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We’re Leading With Our Rapid Mortgage Mobile Experience

32

Images are for illustrative purposes only

• New mobile responsive UI

• LOS integration to support real-time activity

• Data capture via smartphone camera

• Real-time data access

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We’re Focused on Creating Differentiation and Value for Customers

33

Digital compliance analysisAdhere to compliance automatically based on data, workflow and borrower engagement

Automated data gathering and analysis

Automatically obtain data for the borrower and loan from data

providers to validate information and close the loan faster

Paperless processingElectronically obtaining necessary information to support the loan process automatically for the borrower

Rules-based workflowAutomatically analyze loan data and move the loan to the next step based on validated data and rules.

Manual processing is only exception based

Electronic signatures / e-signSpeed up the time of the loan and reduce the costs and risks with manual papers and processing

Borrower and web-based experiences

Allow borrowers and users to self-service and be connected in real time to the loan and closing process

Components of the digital mortgage

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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Zelle & Payments

34

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Digital Payments In the Past Year

35

Android PaySamsung Pay Apple iOSVisa (token image)

25% of sales6 year effort

Retail (In-Store) PaymentsPartnerships

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2014 | 2015 | 2016 | 2017 | 201836

Banking + …..

Different User Needs | Different Apps

Card Mobile Payments Debt Payment

Facebook & Amazon

Different Apps

• Clean, flat purpose built UX/UI for each user experience

• Faster to add functionality

• Faster user feedback

Integrated Experience

• Shared branding

• Shared login credentials

• Ease of login via Touch ID

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Digital Experiences Drive Demand

37

Zelle® and Your Financial Institution

• Consumer-facing P2P payment solution

• Enables people to send money to family, friends and others

• Uses recipient’s email address or mobile number

• Funds are available to the recipient within minutes

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What is Zelle?

38

-- Component -- Outcome

Network• Peer-to-Peer (P2P)• Governance and operating rules • Collaboration with leading networks, Visa

and MasterCard

Brand• Common, consumer-facing P2P brand• Intuitive experience• National advertising campaign

Technology

• Alias-based directory connects financial institutions, facilitates faster payments

• Immediate Messaging• Fraud risk management

Transactions

Users

Participants

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2014 | 2015 | 2016 | 2017 | 201839

Zelle in Mobiliti ASP

Users will access through dedicated Zelle option on the Payments tab of Mobiliti

Images are for illustrative purposes only. Final design subject to change.

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Zelle Turnkey Bank A Fiserv Services

Instant PaymentZelle Turnkey to Zelle Participating Bank

Zelle TurnKey through the NOW network provides a direct connection to the bank and Early Warning for posting debits and credits.

Zelle Turnkey Solution

NOW Network

NOW Connector

Account Processing

System

Digital Channel Platform

EWS

Zelle Directory

Zelle Participating

Bank(s)

Account Processing

System

SSO

Payment Instruction

Real-Time Payment Instruction

Debit Req..

Credit Req.

Direct Send Transaction using DDA account # with end of day settlement

40

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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Credit Req.

Visa / MasterCard

Zelle Turnkey Bank A Fiserv Services

Instant PaymentZelle Turnkey to Zelle Common App User

Zelle TurnKey through the NOW network provides a direct connection to the bank and Early Warning for posting debits and credits.

Zelle Turnkey Solution

NOW Network

NOW Connector

Account Processing

System

Digital Channel Platform

EWS

Zelle Directory

Issuing Bank

Account Processing

System

SSO

Payment Instruction

Real-Time Payment Instruction

Debit Req..

Zelle Common

App

Settlement by Fiserv to Sender FI via NOW Settlement. Receiver FI via Visa/MasterCard.

41

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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Commercial Services

42

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Fiserv Has a Market-Leading Presence in Commercial Services

43

Nine out of the top 10 banks in the U.S. leverage Fiserv assets for their commercial services needs

40 of the top 50 U.S. ACH processors leverage PEP+®

400K+ companies using cash management

100M+ checks processed on over 20M accounts per month for account reconciliation

$450B+ commercial loans serviced on our bank cores

40 of the top 60 largest financial institutions use ARP/SMS™

1,400+ financial institutions use a Fiserv cash management solution

52% of all ACH volume is processed by Fiserv assets

$450B+ ACH and wire payments

600K+ wires originated

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

2014 | 2015 | 2016 | 2017 | 2018

Going to Market With a Strong Value Proposition to Drive Positive Differentiation

44

Commercial Center

Business Online™ and Commercial

Center℠

Enterprise services framework (secure integrator)

Payments platform

Cash managementplatform

Creditplatform

Fise

rv d

esig

n la

ngua

geIdentity access m

anagement

Credit

Enterprise security center (secure gateway)

Credit

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

2014 | 2015 | 2016 | 2017 | 2018

Mobiliti Business Is World-Class Mobile Banking for Businesses of All SizesMobile deposit

Touch ID and fingerprint login for Android

Bill pay

ACH Manager and Wire Manager

Approvals (ACH, wire, transfers, bill pay)

Positive pay exceptions

Multi-user entitlements (permissions)

Integrated customer care tool

Soft token security

Business Online

45

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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Commercial Center – Creating the Digital Commercial Experience

46

• A significantly improved commercial user experience• Mobile and tablet• Consolidated payments experience• Improved security experience• Ease of customer administration• Commercial reporting

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

2014 | 2015 | 2016 | 2017 | 2018

Segmentation – Focusing on the End Customer

47

Segment SOHO Micro Small enterprise Midsized Commercial Corporate

Bank focus Self-service Simple and free Expanding needs Profitable and

growing relationshipSophisticated cash management needs

Complex cash management needs

Expected functionality

• Information reporting• Payments• Mobile access

Microcapability plus:• Approvals• Remote deposit• Simple ACH and wires

Small-business capability plus:• Complex reporting• Extended ACH and wires, international• ACH and check positive pay• Full entitlements and operator administration• Multiple levels of approval for payments and

administrative changes• Audit reporting on all activities and

entitlements• Commercial alerts / alert management

Commercial capability plus:• Automated receivables

(lockbox / ACH collections)• Customizable, automated

reporting and transmissions• Treasury services

Product continuum

Commercial Center

Architect

Small business Corporate PayablesDelivery

Business Online

Small business Commercial

Sources: U.S. Census Bureau, “Statistics of U.S. Business and Nonemployer Statistics”; Fiserv proprietary research

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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Innovation and A View of What’s Ahead

Artificial Intelligence

48

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Turing Test

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of customer interactions will be managed without a human by 2020

85%

(Source: Gartner)

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What is Fiserv doing about artificial intelligence?

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Innovation and A View of What’s Ahead

What are Cloud Strategies & Why Does it Matter?

53

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Simple Answer

54

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More Complicated Answer

55

Infrastructure as a Service (IaaS) Elastic, Resilient and “Bouncy”Platform as a Service (PaaS)

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Three Aspects to Our Cloud Strategy

56

Fiserv Cloud Public Cloud for Pre-alphas Go to Market

Our approach will enable us to think of Cloud in a multifaceted way. We will meet clients where they are while taking an intentional approach to adoption and

management of risk

POWER cloud

IaaS

© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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Innovation and A View of What’s Ahead

What is it Blockchain & Why Does it Matter?

57

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BlockchainThe iPhone

2007

Blockchain

58

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Blockchain Will DemocratizeValue

The InternetDemocratizedInformation

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2014 | 2015 | 2016 | 2017 | 2018

CENTRALIZED DECENTRALIZED DISTRIBUTED

60

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© 2018 Fiserv, Inc. or its affiliates. | CONFIDENTIAL – LIMITEDFORTUNE Magazine World's Most Admired Companies®

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Three Core Areas to Explore

Identification LendingData

recordation and sharing

62

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Q&A

63

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Thank You!

64