Online Banking ePaymentsOnline Banking ePayments

Beth A. Ewing, CCMVice President

Southeastern Sales & Network DevelopmenteWise | Secure Vault Payments

bewing@ewise.com 770685.1524 (o) 678.427.4444 (m)

Growth of e-commerce is outpacing traditional retail & has continued to

grow through economic downturns.

Bank revenues from payments fell at a compound annual rate of 4% over the past 2 years.

76% of American consumers have an

active PayPal account.

Cohort Date of Birth Age in 2015 Population (000s)

% of Population in 2015

Matures Prior to 1946 70+ 31 Million 9.7%

Baby Boom 1946 to 1964 51 to 69 74 Million 22.9%

Generation X 1965 to 1980 35 to 50 66 Million 20.5%

Generation Y 1981 to 2000 15 to 34 86 Million 26.7%

Generation as a Percent of the US Population, 2015F

the US population is shifting to

a younger demographic

Gen Yshifting the face of online banking

…and your customer base

by 2014, more than 80 percent of Gen Y

households will bank online

will account for 40 percent of online

banking households

heightened expectations for site

functionality and ease of use Source: Forrester Research 2009

Trust & Simplicity

Drive consumer behavior

DDA accounts remain at

the center of

personal finance

first they visit the merchant or biller

site and view their bill

select payment option

select their bank

login to their online bank site

authorize payment from the

account of their choice

return to the site for their receipt

Sign Up Required

Separate Account

Merchant

ACH File

Settlement Funds

Merchant FI(RDFI)

Consumer FI(ODFI)

1 - Add to Cart2 - Checkout & choose SVP3 - Choose Bank----------------------------------------7 - Receive Payment Receipt

4 - Sign in to Online Bank5 - Choose Account for Payment6 - Submit Payment

Merchant Website or Mobile App

Online BankingMobile Banking

Consumer

OBeP Switch

Beth EwingVice President Southeastern Sales & Network DevelopmenteWise | Secure Vault Paymentsbewing@ewise.com 770685.1524 (o) 678.427.4444 (m)

Thank You