SaaS Digital Banking Suite

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1 SaaS Digital Banking Suite An affordable and easy to deploy solution, hosted on a secure local cloud. Designed to service the needs of Australian Community Owned Banks and small banks, it combines world class experience and comprehensive functional spread.

2 Infosys - The next generation technology company Infosys is a global leader in next-generation digital services and consulting. With over three decades of experience, Infosys enables organisations across the world to navigate their digital transformation journey. Infosys co-creates breakthrough solutions, combining strategic insights and execution excellence, opening new avenues for new value. $11 Billion in revenues 200,000+ employees globally BFSI Accounts for over 30% of revenues Innovation Fund USD 500 million Infosys Australia Infosys has been in Australia since 1999 with offices in Brisbane, Canberra, Melbourne, Perth and Sydney. Infosys Australia has a 4,000+ local and diverse workforce, and 10,000+ global resources group to support our partnerships with Australian organisations across various industries. In the Financial Services space, Infosys is a partner to 3 of the 4 big banks, community owned banks, building societies and wealth management companies. Infosys has a robust community engagement program in Australia committed to developing local information technology talent and promoting local graduate hiring, among other initiatives.

3 Infosys Finacle Powering the banking world Banking is changing, faster than ever before, driven by rapid technology advancements, pervasive digitization of our world and changing customer requirements. To succeed, institutions needs to be #TrulyDigital, with systems designed to deliver flexibility, operational excellence, and personalized experiences for customers. Infosys Finacle is proven to do just that. Finacle is the industry s top rated digital banking solution suite from EdgeVerve Systems, a wholly owned product subsidiary of Infosys. Financial institutions of all sizes, fintechs, and non-financial banking organisations in over 100 countries, including Australia, depend on Infosys Finacle to drive their digital transformation. Financial institutions across the world have leveraged Finacle to gain outstanding value achieving, on average: 7.2% points lower costs to income than others 37 percent reduction in effort to roll out products Today, Finacle touches the lives of 16.5% of the world s adult banked population 1.05 Billion end customers 1.3 Billion accounts 35 percent reduction in transaction costs 21 percent improvement in time to serve customers *Based on assessment of the top 1250 banks in the world by The Banker publication Finacle offers a proven solution for Australia Flexible & Affordable Integrated digital banking suite. Available on premise or on a highly secure local Cloud Proven Finacle is live across Listed Banks, Community Owned Banks and Credit Unions in Australia, including Localized Localization requirements verified by independent consultants. Out-of-the-box capability for integration with over 40 Australian ecosystem partners Reliable Managed services with 24X7 support for Application, Environment, Infrastructure and EOD operations Compliance Compliant to PCI-DSS, NCC, Australian ADI and other regulatory requirements. Out-of-the-box regulatory reporting including APRA, RBA, ATO, AUSTRAC 3 External Document 2018 EdgeVerve Systems Limited

4 Infosys Finacle SaaS Digital Banking Suite This is a comprehensive, Australia ready digital banking solution stack, proven and live in country. An easy to deploy solution, it is designed to specifically service the needs of Australian Mutuals, Credit Unions and small banks, combining world class experience and comprehensive functional spread. With a one time onboarding fee and usage based subscription fees, this affordable solution enables faster go-to-market and unlimited elasticity on demand. Core Transaction Accounts, Loans, Deposits and Cards CRM Retail Loan Origination Payments Liquidity Management SME Banking Digital Channels Direct Banking Open APIs 3rd Party Components Ominchannel & Open Banking Robotic Process Automation Regulatory Reporting Business Reporting Risk & Compliance Management Integrated Analytics & Business Intelligence The Finacle SaaS solution is hosted on a highly secure cloud based in Australia, exclusively for co-tenanting Infosys clients. The solution boasts of benchmark security safeguards including, but not limited to Identity Access Management, Network Protection, System Protection, Virtualization Protection & Data Protection. It has robust business continuity and disaster recovery safeguards, including twin data centers in Sydney and Melbourne. In addition to Infosys Cloud, Finacle is proven for deployment on AWS, Microsoft Azure and Oracle cloud platforms as well Finacle is Open Banking ready Open Banking is more than simply Open Data in Banking. Finacle is designed to strengthen the role of bank in an Open Banking ecosystem enabling the below. Relevance Ability to stay connected with customers, across their lifestyle channels, with the right context Control Ensure ownership of critical customer data and enable influence building in the customer ecosystem Monetization Enable new revenue sources and moneitize open APIs 4 External Document 2018 EdgeVerve Systems Limited

5 Australia specific localizations Territory / Region wide applicable functionalities and interfaces Comprehensive coverage for Australia specific products Parameterization to easily create new offerings and innovations on the fly Process flows and system controls localized as per Australian compliance and practices Customizable smart dashboard for bank branch and call center users for greater automation and efficiency Interface options for seamless endto-end integration with 40+ Australia ecosystem partners Out-of-the-box support for industry standards and regulatory compliance Ready for New Payments Platform Compliant to PCI-DSS and NCC, Australian ADI and other regulatory requirements. Out-of-the-box capability for reporting to regulatory bodies like APRA, RBA, ATO, AUSTRAC Ongoing support and roll out of improvements for evolving regulatory changes Finacle has a dedicated managed services model support structure for Australia 24x7 support for Application, Environment, Infrastructure and EOD operations Automate Monitor Local toll-free support number to log and track incidents Dedicated local support team based in Australia, backed up by offshore team Prevent Analyze Online incident reporting and tracking Automated patch deployment and change / version management Learn Strong governance, reporting and escalation matrix based on global best practices Continuous tracking of market changes to keep the solution up-to-date 5 External Document 2018 EdgeVerve Systems Limited

6 Finacle App Center The Finacle App Center is an exclusive showcase of a large number of Finacle ecosystem partners. For financial institutions, the app center has been curated to help with easy access to a growing set of innovations being developed around Finacle solution APIs by our partners, FinTechs and clients. Offerings include apps to engage customers with natural language interfaces, amplify digital engagements, deliver frictionless experiences and a lot more. Some of our Fintech partners include: *External logos used are copyrighted trademarks of the respective firms. Rated a leader among banking solutions Multiple leading independent industry analysts have consistently rated Finacle as a Leader across solution areas Rated as a leader in Gartner Magic Quadrant for Global Retail Core Banking, 11 times in a row. Received highest scores in 7 out of 7 use cases in The Gartner Critical Capabilities for International Retail Core Banking 2018 Rated as a leader in The Forrester Wave TM : Digital Banking Engagement Platforms, Q Ovum Decision Matrix - Positioned as a leader among Digital Banking Platforms Rated as a Leader among Digital Banking solutions - Ubiquitous Digital For Channel Banking: Global Digital Platforms Solutions Vendors, 2016 Rated as a leader in IDC MarketScape of Worldwide Core Banking Solutions Assessment Positioned as one of the best-selling solutions in the IBS Sales League table External Document 2018 EdgeVerve Systems Limited

7 Case Study: Australian Military Bank Australian Military Bank (AMB), one of Australia s longest serving mutual financial institutions, chose to implement the Finacle integrated digital banking solutions suite in a SaaS mode, to drive the bank s ambitious digital transformation program. The Finacle solution stack replaced AMB s legacy systems to enable the bank to keep pace with new technology developments and allow a speedy response to market demands. AMB gained significant operational benefits and cost efficiencies, along with enhanced security and scalability with Finacle. AMB is now able to provide both its staff and members, a world class banking experience, equal or better than leading global banks. The comprehensive, Australia ready solution stack is hosted out of Infosys datacenters based in the country. Signed SoW Adopted Agile Delivery UAT signed off after an extensive testing program and migrated to the Finacle suite of solutions Oct Feb, 2018 April 2017 Feb 2018 Design, data migration, UX, member communications, testing and training dates advanced, and set milestones achieved Go Live Performance snapshot six months after go live, including EoM, EoQ and EoFY runs New origination system has simplified processes and is driving pipeline growth 99% of inbound direct payments processed straight through Near 100% adoption of channels. 46% increase in channel registrations. 116% increase in mobile banking app registrations. Increased number of mixed banking and payments transactions with >99.8% system reliability and availability Customer onboarding and opening new accounts down to a few minutes 7 External Document 2018 EdgeVerve Systems Limited

8 Infosys Finacle is the most awarded solution in the industry 11 Industry awards won by Infosys Finacle clients in just the last 15 months for innovations powered by Finacle For more information, contact EdgeVerve Systems Limited, a wholly owned subsidiary of Infosys, Bangalore, India. All Rights Reserved. This documentation is the sole property of EdgeVerve Systems Limited ( EdgeVerve ). EdgeVerve believes the information in this document or page is accurate as of its publication date; such information is subject to change without notice. EdgeVerve acknowledges the proprietary rights of other companies to the trademarks, product names and such other intellectual property rights mentioned in this document. This document is not for general distribution and is meant for use solely by the person or entity that it has been specifically issued to and can be used for the sole purpose it is intended to be used for as communicated by EdgeVerve in writing. Except as expressly permitted by EdgeVerve in writing, neither this documentation nor any part of it may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, printing, photocopying, recording or otherwise, without the prior written permission of EdgeVerve and/ or any named intellectual property rights holders under this document.