© 2019 Jack Henry & Associates, Inc.®1 © 2019 Jack Henry & Associates, Inc.®

CIF 20/20 Fireside Chat –

2019 Spring Update

Jack Henry & Associates, Inc.®

© 2019 Jack Henry & Associates, Inc.®2

1 Fireside Warmup

2 Jack Henry Banking Mission

3 Industry Insight

4 Banking Top 10 Initiatives

5 Mark Unplugged

6 Q&A

© 2019 Jack Henry & Associates, Inc.®3

Fireside Chats – CIF 20/20 Participation

66% 74%

2017 2018

52%

2016

© 2019 Jack Henry & Associates, Inc.®4

SAVE-THE-DATE FOR THE 2019 JAC

October 6-10

San Diego Convention Center

San Diego, CA

© 2019 Jack Henry & Associates, Inc.®5

Registration & Hotel Room Block:

• Monday, June 3rd

• 6 hotel locations

Early Bird Discount Ends: August 1

Hotel Block Expires: August 1

© 2019 Jack Henry & Associates, Inc.®6

Registration & Hotel Room Block:

• Monday, June 3rd

• 6 hotel locations

Convention Center Information:

• VisitSanDiego.com

Multiple Hotels Available:

• Grand Hyatt

• Hard Rock Hotel

• Hilton Bayfront

• Hilton Gaslamp

• Marriott Marina

• Omni Downtown

© 2019 Jack Henry & Associates, Inc.®7

Regional User Groups (RUGS)

Bank Driven

Officers are elected by

you

Educational

Channel for continuing education

Interactive

Exchange ideas and

best practices

Directional

Provide enhancement

direction to JHA

Insightful

Stay currenton industry

trends

© 2019 Jack Henry & Associates, Inc.®8

Regional User Groups (RUGS)

President

Michael Mincey

First Community Bank

Vice President

Josh Bolinger

First Sound Bank

• ARMISTEN

• Great Lakes

• Gulf States

• Heartland

• Mid-Atlantic

• Midwest Central

• Midwest North

• Midwest South

• Northeast

• Oklahoma Sooners

• Smoky Mountain

• South Carolina

• South Central

• Southwest

• Texas

© 2019 Jack Henry & Associates, Inc.®9

Welcome!adWelcome!

Thank You for Your Business

© 2019 Jack Henry & Associates, Inc.®10

Mark ForbisEVP & CTO

Jack Henry & Associates

Stacey ZengelVP, Jack Henry & Associates

President, Jack Henry Banking

Greg AdelsonVP, Jack Henry & Associates

GM, Payment Solutions

Meet our PRESENTERS

© 2019 Jack Henry & Associates, Inc.®11

Leo MallamaciDirector of Sales

Jack Henry Banking

Presentation SUPPORT TEAM

Joel ThomasSr. Manager, Special Projects

Jack Henry Banking

Kevin SligarChief Technical Architect

Jack Henry Banking

Susan GeissGM, Banking Operations

Jack Henry Banking

© 2019 Jack Henry & Associates, Inc.®12

Jack Henry Banking® MissionBe innovative. Deliver on time.

Exceed

expectations.

Work smarter.

Listen to the client and

to each other.

Build open and honest relationships.

Have fun!

Forge good

partnerships.

Embrace and

drive change.

Communicate, communicate,

communicate!

OUR

CORE

GOALS

© 2018 Jack Henry & Associates, Inc.®13

Jack Henry Banking Insight

Education Support Consulting

© 2018 Jack Henry & Associates, Inc.®14

Industry Insight

Open Banking Digital Payments

© 2018 Jack Henry & Associates, Inc.®15

FY2019Top Ten List

Why publish a top 10 list?

▪ Transparency, accountability,

communication, and expectation setting

▪ We are business partners!

Caveats

▪ Regulatory changes may impact these

target dates.

▪ Beta testing can take anywhere from

3-9 months.

▪ Dates contained in this document are

provided as estimates only and can be

changed at any time at the sole

discretion of JHA. We will, however, let

you know if we do change them as well

as why we change them.

1Digital

Initiatives

2Payments

Initiatives

3User

Interface

4Banking

Initiatives

5Financial

Crimes

6Platform

Initiatives

7Integration

Initiatives

8OutLink

Initiatives

9Regulatory

Initiatives

Top 10

10Process

Improvement

01 Digital Initiatives

Dates are provided as estimates only and can be changed at any time at the sole discretion of JHA.

✓ Complete | In-Process | Not Started | Date Changed | x Missed Commitment

Banno

✓ Banno – Geezeo Integration Complete Complete

✓ Banno Conversations Complete Complete

✓ Banno – JHA Full Service Credit Card Complete Complete

MyCardRules Integration 5/10/2019 6/28/2019

Development GA

02 Payments Initiatives

Dates are provided as estimates only and can be changed at any time at the sole discretion of JHA.

JHA Card Platform

Core PlatformDebit Cards &

In-house Credit CardsFull Service Credit Cards

✓ CIF 20/20 Complete Complete

GAGA

✓ Complete | In-Process | Not Started | Date Changed | x Missed Commitment

02 Payments Initiatives

Dates are provided as estimates only and can be changed at any time at the sole discretion of JHA.

JHA PayCenter:

Zelle with goDough and CIF 20/20

6/30/2019 TBA

JHA PayCenter: The Clearing House

Inbound to CIF 20/20

9/30/2019 TBA

Development GA

JHA Faster

Payments

Card-funded

Payments

Card-funded payments 3/31/2019 6/30/2019

GADevelopment

✓ Complete | In-Process | Not Started | Date Changed | x Missed Commitment

03 User Interface

Dates are provided as estimates only and can be changed at any time at the sole discretion of JHA.

User Interface (UI)

Deployment

Development GA

UI Deployment Complete 12/31/2019

Xperience Hosting

SolutionComplete 5/31/2019

✓ Complete | In-Process | Not Started | Date Changed | x Missed Commitment

04 Banking Initiatives

Banking Initiatives

Development GA

Enhance core system to support Faster

Payments functionality Complete TBA

Add ability to search foreign address through

CustSrch messageComplete 3/31/2019

Enhance service layer support to allow work of

NSF items4/1/2019 6/30/2019

Enhance service layer support of memo post

descriptions4/1/2019 6/30/2019

Enhanced correction process for 5498 forms 4/1/2019 6/30/2019

New FX Wire Capability TBA TBA

* Multiple functionality, some may be available sooner.

Dates are provided as estimates only and can be changed at any time at the sole discretion of JHA.

✓ Complete | In-Process | Not Started | Date Changed | x Missed Commitment

05 Financial Crimes

Enterprise Risk

Mitigation Solutions

(ERMS)

✓ AML Module Complete Complete

ACH Fraud TBA* TBA

Wire Fraud TBA* TBA

Deposit Fraud TBA* TBA

Check Fraud TBA* TBA

Insider Fraud TBA* TBA

Card Fraud TBA* TBA

CTR TBA* TBA

Development GA

JHA SafeGuard

Premium OFAC Complete TBA

Development GA

* Dependent on development schedule with SAS

Dates are provided as estimates only and can be changed at any time at the sole discretion of JHA.

✓ Complete | In-Process | Not Started | Date Changed | x Missed Commitment

06 Platform Initiatives

Dates are provided as estimates only and can be changed at any time at the sole discretion of JHA.

WKFS Expere Forms

OnBoard Deposit Integration 6/30/2019 9/30/2019

OnBoard Lending Integration 9/30/2020 12/31/2020

Development GA

✓ Complete | In-Process | Not Started | Date Changed | x Missed Commitment

07 Integration Initiatives

Dates are provided as estimates only and can be changed at any time at the sole discretion of JHA.

Processing Services 5/31/2019 10/31/2019

Development GA

Sheltered HarborCommercial Lending

Center Suite (CLCS)

Mobile

Enhancements Complete 3/31/2019

QuickDecision

Integration - IDologyComplete 3/31/2019

QuickDecision

Digital RenewalsComplete 3/31/2019

QuickDecision

Integration Plaid3/31/2019 4/30/2019

Development GA

✓ Complete | In-Process | Not Started | Date Changed | x Missed Commitment

07 Integration Initiatives

Cross

Product

GADevelopment

Enterprise

Framework

Development GA

Additional Enterprise Events

6/30/2019* 6/30/2019*

Enterprise Notification

System Adoption 6/30/2019* 6/30/2019*

Enterprise Multi-Factor

Authentication6/30/2019* 6/30/2019*

* Multiple functionality, some may be available sooner.

Dates are provided as estimates only and can be changed at any time at the sole discretion of JHA.

✓ Complete | In-Process | Not Started | Date Changed | x Missed Commitment

Add support for additional loan

history elements for ERMSComplete TBA

Additional CLCS Integration Complete 5/31/2019

Add functionality to allow

Banno external transfer to place holds on credits

4/1/2019 6/30/2019

Relationship 360

Enhancements5/31/2019 6/30/2019

x Consolidated Customer Care Delayed Delayed

08 OutLink Initiatives

Dates are provided as estimates only and can be changed at any time at the sole discretion of JHA.

Disaster Avoidance

Development GA

jhaCall Center

Development GA

OutLink Data

Encryption at Rest

✓OutLink Data

EncryptionN/A Complete

Development GA

✓Full Service Credit –

Credit Card SupportComplete Complete

Chat – Call Center 3/31/2019 4/30/2019

✓

Disaster

Avoidance/iSeries Data Replication(iASP)

Complete Complete

✓ Complete | In-Process | Not Started | Date Changed | x Missed Commitment

9 Regulatory

Dates are provided as estimates only and can be changed at any time at the sole discretion of JHA.

Regulatory

Development GA

✓ 2018 IRS Tax Functionality/EOY Complete Complete

✓ FAIM 3.0.5 Complete Complete

FAIM 4.0 5/31/2019 8/1/2019

Beneficial Owner Phase 2 6/30/2019 7/31/2019

FDIC Call Report Changes Ongoing Ongoing

✓ Complete | In-Process | Not Started | Date Changed | x Missed Commitment

10 Process Improvement

Complementary Quote

Process Improvement

Complementary Quote

Process Improvement N/A 6/30/2019

Development GA

Dates are provided as estimates only and can be changed at any time at the sole discretion of JHA.

✓ Complete | In-Process | Not Started | Date Changed | x Missed Commitment

Core Migrations

Process Improvement

Focus on improvements to assist with

technology evaluations and Inhouse to Outsource transitions

Ongoing

© 2019 Jack Henry & Associates, Inc.®31

Mark Unplugged

© 2019 Jack Henry & Associates, Inc.®32

Acquisition Update

© 2019 Jack Henry & Associates, Inc.®33

Strategic Perspective

➢ JHA Open Banking

➢ DataLake

➢ Bots

➢ Artificial Intelligence

➢ Mobile First / Cloud First

Q&AQ&A

© 2018 Jack Henry & Associates, Inc.®35

Contact Information

Stacey Zengel – szengel@jackhenry.com

Mark Forbis – mforbis@jackhenry.com

Greg Adelson – gadelson@jackhenry.com

Susan Geiss – sgeiss@jackhenry.com

Kevin Sligar – ksligar@jackhenry.com

Leo Mallamaci – lmallamaci@jackhenry.com

Joel Thomas – joelthomas@jackhenry.com