PROVEN INNOVATIVE VISIONARY

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1 hello we are

2 PROVEN With consistent 30 percent year-over-year revenue growth, as well as a surge in end users from 1.1 million to over 9.5 million in the past six years, Q2 has proven itself a powerful competitor. Over 850 clients currently use our digital banking products. We ve rolled out hundreds of updates, and delivered hundreds more off-platform integrations. Simply put, we understand what it takes to get FIs up and running on our uniquely future-ready digital banking solutions. INNOVATIVE Q2 s history of innovation is unmatched in our industry. We developed the first true omni-channel digital banking platform, pioneered the use of fraud prevention with data analytics, transformed how FIs approach bill pay, built an intelligent recommendation engine, and more. In 2017, we re rolling out a uniquely comprehensive software development kit to help you get the most out of the Q2 Platform. And, we re moving beyond digital banking to arm you with open APIs that make developing new financial services products simple and cost-effective. VISIONARY Q2 s vision of transforming our industry beyond digital banking is built on the intersection of CONNECTIONS, CONVERSATIONS, and COMMERCE. We help FIs cultivate connections with account holders by giving you actionable data about consumer needs. This data helps you form meaningful conversations with the communities you serve, and those conversations lead to opportunities for commerce and growth. No other digital banking vendor matches our passion for partnership, investment in innovation, or commitment to your growth.

3 meet Since 2004, Q2 s mission has been to strengthen communities by strengthening the financial institutions (FIs) that serve them. These FIs, and the communities they serve, are the lifeblood of our nation s diverse economy. And, for more than a decade, we ve been proud to provide local and regional banks and credit unions with the tools and strategies they need to be strong, innovative, and positive forces in their communities. Today, we re delivering on this mission for more than 850 customers across the country. Our digital banking platform and solutions are helping community FIs exceed the limitations of their brick-and-mortar branches. With Q2 s help, they re better able to compete with Megabanks and embrace FinTech strategies to claim a greater market share. It s good for them and good for their communities. And our work isn t going unnoticed. Q2 s name, capabilities, and expertise are well-known across the financial services sector. The quality of our software is unrivaled in the industry, but it s our relationshipdriven approach that truly sets us apart. We ve built our business by creating a culture of partnership internally and externally, forging strong relationships with our customers, and helping them, in turn, create meaningful connections with their account holders. We appreciate you taking the time to learn more about Q2, and we look forward to having the opportunity to serve as your technology vendor and strategic partner. Sincerely, Matt Flake, CEO

4 our commitment to innovation OUT-OF-BAND AUTHENTICATION When fraudsters began attacking online banking systems at the user level, Q2 devised one of the best solutions available. With out-of-band authentication, users are kept secure by employing a password as well as secondary confirmation via another device. MOBILE COMMERCIAL BANKING Our single platform architecture enabled our first mobile banking solution to offer robust commercial functionality like ACH, wires, entitlements, and transaction authorizations. As a result, our customers became better equipped to serve growing businesses in need of flexible banking solutions OMNI-CHANNEL PLATFORM Q2 was founded with the vision of creating a single system to support the technology needs of community-focused FIs. It became a reality when we designed a platform that delivers a complete range of financial services anytime, anywhere on any device. BILL PAY PRICING Most Bill Pay contracts were based on a per-user model. But financial institutions were significantly overpaying. Q2 renegotiated Bill Pay agreements around a per bill model, delivering substantial customer savings and the industry soon followed suit. RISK AND FRAUD ANALYTICS Q2 turned our platform s robust data into actionable insights for our customers. Analyzing user behavior patterns, our Risk and Fraud Analytics product, Q2 Sentinel, identifies and stops anomalous (possibly fraudulent) transactions before they are executed.

5 Q2 was one of the first to market with a true omni-channel banking platform years before omni-channel became a buzzword. Today, our single platform remains the most comprehensive and adaptable digital banking solution of its kind but its creation only marked the beginning of Q2 s continuing innovation in financial services technology. NEXT-GENERATION ARCHITECTURE Google, Netflix, and Amazon transformed consumers expectations for digital service experiences. Anticipating our customers needs for a similarly consistent user experience across devices and features, Q2 made a major architectural investment. The result was a mobile- and user-first experience unmatched in the industry. INTEGRATED BILL PAY AND PFM Q2 began moving away from the Single Sign-On (SSO) model to directly integrating third party applications into our platform. The combination of our platform s user experience and easy back-office management with technology like Bill Pay and Personal Financial Management (PFM) has given our customers an edge in acquiring new account holders. INTEGRATED ACCOUNT OPENING With branch visits continuing to drop, digital engagement and onboarding is crucial. Our intuitive, low-friction application lets account holders set up checking and savings accounts online in a matter of minutes allowing FIs to connect with consumers who would otherwise be outside of their demographic and geographic reach UNIFIED USER EXPERIENCE Q2 s commitment to a consistent, unified user experience continued with the release of our Unified User Experience (UUX). Prior architectural investments enabled us to provide full functionality for both consumer and commercial accounts through a single login, with a consistent, intuitive user experience across all devices. EXPANDED BEHAVIORAL ANALYTICS Building on the success of the behavioral analytics modeling we use in Q2 Sentinel, we developed a unique recommendation engine and messaging platform, Q2 SMART. By leveraging the data FIs already have, Q2 SMART uncovers real needs, to help FIs target and engage account holders like never before. OPEN API PORTFOLIO AND DEVELOPER TOOLS Personalization and customization are crucial in our user-first, experience-focused world. To help FIs differentiate and innovate, Q2 now offers bank-compliant APIs that make it easy and cost-effective to develop financial services applications as well as a software development kit offering unmatched access, tools, and training.

6 our platform The most comprehensive and adaptable digital banking platform of its kind Q2 s digital banking platform enables FIs to deliver a complete range of financial services anytime, anywhere on any device. It is uniquely designed to serve consumer, business and corporate banking account holders delivering a single, seamless experience for account holders and a single point of integration and management, helping simplify your FI s business. Modular, agile, and extensible, the Q2 Platform is future-ready to help you grow. Even more, it s a self-learning platform providing analytic intelligence to target new prospects.

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8 consumer solutions A unified, intuitive consumer banking experience Q2 offers a full suite of digital banking products to help you serve consumer account holders; from basics like account balances, transfers, and bill pay, to newer and more advanced features like integrated person-toperson payments, mobile remote deposit capture, and the Centrix Dispute Tracking System, which automates the administration of disputed electronic transactions. Give your account holders the tools they need to easily make transactions, plan their finances, and more.

9 Person-to-person payments Q2 P2P is a secure, integrated person-to-person payments solution that gives your account holders the ability to pay anyone quickly, easily, and securely, from any device helping you acquire and retain valuable consumer accounts. Contextual personal financial management Q2 Contextual Personal Financial Management (PFM) provides an intuitive, easily accessible money management tool for your account holders. Q2 Contextual PFM is integrated into Q2 s digital banking experience. Your customers financial profiles and management tools are shown in the digital banking interface, not hidden somewhere behind a tab. Integrated bill pay Q2 s comprehensive single platform uses the latest in mobile-first design and security technology to support partnerships with several of the industry s leading bill pay providers. Combining business critical technology with an engaging user experience, Q2 helps your institution drive digital banking adoption. Q2ebanking.com

10 business solutions Business banking anytime, anywhere Q2 s Business Banking suite supports a broad range of functionality, from basic wires and ACH to tiered user management, and Centrix Exact/TMS a transaction management system that encompasses check positive pay, payee match, ACH positive pay and account reconciliation. And because it all lives on a single platform, your business account holders have a modern, consistent user experience regardless of device. Help your business account holders succeed and grow by enabling them to run their businesses on the go from any device.

11 User management Q2 offers easy-to-understand user management. From initial setup to daily administration, you can meet the needs of small and large businesses without hassle. And because you ll use the same admin console for both business and consumer account holders, you can be more efficient and productive in the administration of your digital branch. ACH The Q2 Platform offers businesses of all sizes the ability to originate a variety of ACH transactions. Account holders can take advantage of advanced ACH capabilities for payroll, collections, and state and federal tax payments as well as allowing the pass-through of ACH files directly to your FI. Wires Meet the demands of business account holders with complex needs. Q2 Business Banking offers dual action approvals for both domestic and international wires. Wire alerts that signal incoming and outgoing wire transactions are available, as is full reporting of wire activity. Q2ebanking.com

12 corporate solutions Attract big business with a difference you can see and touch Successful commercial banking at the highest level is no longer just about function and volume. Digital banking systems with multiple platforms, logins, and experiences feel dated and at-odds with productivity and current technology. In the age of Netflix, Amazon, and user-centered everything, digital banking must evolve. And at Q2, it has. Our Aite Group award-winning UX offers commercial account holders a look, feel, and ease-of-use that rivals that of retail users, while providing advanced treasury and cash management functionality. Combined with analytics-driven intelligence capable of generating new sources of revenue, Q2 Corporate Banking empowers you to win and serve account holders of all sizes in the age of mobility.

13 Advanced entitlements Q2 s advanced entitlements replace complicated, grid-style workflows with a single-rule style policy that simplifies user entitlements. This sophisticated entitlements engine supports rules around account access, subsidiary management, date/time access controls, and geographic locations. Information reporting Information reporting puts the power of data directly in the hands of your corporate account holders. It provides a set of standard reports, but also gives your account holders the freedom to create custom filtered reports based on their business needs. High-volume transaction support The ability to conduct high-volume transactions is key for corporate account holders, including title companies, property management firms, and other transaction-heavy businesses. The Q2 Platform supports high-transaction accounts with an intuitive, productivity-boosting interface as well as some custom workflows designed around the needs of specific high-volume verticals. Whether they re conducting high-volume ACH, wires, or transfers, Q2 provides the support necessary to acquire and retain corporate account holders. Q2ebanking.com

14 security solutions Intelligent security to protect the trust you ve earned Q2 provides an array of fraud prevention and mitigation tools built natively on the Q2 Platform. Only Q2 combines machine-learning and unattended inspection on a unified platform to better secure transactions, interactions, and customer touch-points. This includes in-house, multifactor, and out-of-band authentication, and extends to proprietary behavioral analytics products and our Centrix Payments I.Q. System, which provides ACH activity reporting and ACH file validation.

15 Multi-factor and out-of-band authentication Q2 deploys a multi-layered security strategy that seeks to protect FIs and their users at every level. It starts with a number of integrated multi-factor authentication (MFA) and out-of-band authentication (OOBA) tools that require a second authorization at the login or transaction levels. Q2 Sentinel Q2 Sentinel, formerly Risk and Fraud Analytics (RFA), is Q2 s proprietary fraud prevention solution. Built natively on the Q2 Platform, Q2 Sentinel uses the transactional and behavioral data of your users to identify and halt suspicious transactions in real time before they are completed. Q2 Patrol Q2 Patrol, formerly Event-Driven Validation (EDV), provides an intelligent authentication layer, powered by behavioral analytics, for high-risk consumer banking activities. Q2 Patrol monitors user actions within consumer banking and presents an in-session identityvalidation prompt when certain high-risk activities, including changes to alert delivery options or profile information, are attempted during a session that has been rated as potentially fraudulent. Q2ebanking.com

16 growth and analytic solutions Uncover new opportunities for growth At Q2, we believe that modern technology provides opportunities for you to grow your reach, revenue, and market share beyond what was ever possible with traditional brick-and-mortar strategies. Q2 s growth and analytics products turn mountains of end user behavioral data into actionable and highly predictive recommendations, while our APIs and developer tools offer you ways to quickly rollout new products and strategies, both within the Q2 Platform and also as stand-alone solutions.

17 Q2 SMART Q2 SMART is an analytics-driven recommendation engine that makes it easy to target real account holder needs to more effectively drive products per relationship. It integrates seamlessly with online banking and leverages the behavioral analytics modeling of our Q2 Sentinel security product to help guide your messaging efforts. Q2 SMART s behavioral targeting can uncover new opportunities for growth in all channels, and its reporting dashboards identify clear cross-sell opportunities to improve your bottom line. Q2 Account Opening Q2 Account Opening is an intuitive, low-friction application that allows your account holders to set up consumer checking and savings accounts online in a matter of minutes. Cloud-based and designed to function across mobile, tablet, and desktop devices, Q2 Account Opening gives your FI the ability to extend your market reach far beyond your traditional geographic footprint. Q2 Open The Q2 Open portfolio is a brand-new way to develop financial services products. Q2 Open APIs are modular and easy to implement, allowing any organization from FIs and fintech developers to retailers to simply and inexpensively build their own applications, features, and financial services products to support consumer saving and spending. Q2 Open powers all-new products and strategies that are not possible with legacy banking technology helping FIs extend their reach into new markets, tap into new revenue opportunities, generate deposits, and more. Q2 Antilles SDK Our SDK wasn t just built for our customers it was made for our developers. These are the same tools that we ve used internally for years. Over time, we ve improved, expanded, and polished our SDK into the comprehensive toolkit it is today one that we re proud to share with our FI partners. It lets you develop and integrate workflows on a full dev stack of the Q2 Platform, with complete control of your environment, and gives you access to APIs, documentation, and training. Q2ebanking.com

18 services for security, implementations, and more The people, products, and data to help you succeed Growth takes more than financial know-how. That s why Q2 brings together the cross-organizational process knowledge, training resources, and systems integration to help you out-perform the competition. We have an unmatched depth and volume of transition experience, a best-in-class security team, and developers ready to customize your digital branch. Q2 provides specialized teams who are expert in Q2 s solutions and understand how to ensure your FI is getting the most from them. They ll work with you as true partners to streamline your path to success in all things digital.

19 Security Services Advisory Services Web Services Security is mission critical to your financial institution. Our security specialists support 385 clients, 24 hours a day, 7 days a week, 365 days a year, and understand what it takes to keep you safe. We offer platform assessments as well as social engineering testing. Success takes more than an exceptional product. To encourage and support the strategic growth of your digital banking platform, Q2 Advisory Services can provide important planning, implementation and strategic alignment, to make sure the Q2 Platform is configured in a way that best fits your needs. Any marketing firm can design a website, but Q2 s Web Services team offers a singular focus on designing responsive, accessible digital branches for FIs. We re virtually a full-service creative agency that partners with your marketing team to provide creative solutions to manage your website needs. Custom Services End User Marketing Financial institutions need a digital banking experience that is both functional and differentiated to attract and retain account holders. Q2 can enhance both while ensuring your user experience reflects your mission, products, and brand identity. Q2 s End User Marketing team stands ready to help you engage account holders and maximize your FI s growth. You can leverage a comprehensive set of assets and campaigns that help you promote and cross-sell ensuring your FI makes the most of your offline and online channels. Q2ebanking.com

20 a culture of partnership At Q2, our commitment to serving our customers goes beyond our products and services. We live a culture of partnership that s reflected throughout the company from our staffing model to team structures, from our datacenters to customer support, and more. No other company in our space has the kind of commitment to our customers that we do.

21 Hosting and infrastructure Our commitment to user experience doesn t end with our intuitive interface. At Q2, we don t want our customers or yours to face any outages or interruptions. To that end, we ve invested over $1 million in a CyrusOne Tier 4 Datacenter, as well as a developed a unique Active/Active recovery solution to further mitigate downtime. The result is a more dependable platform that boasts average customer uptimes of over percent. A culture of customer engagement Involvement with industry analysts, consultants, and associations like ABA and NAFCU helps us stay ahead of trends and technology in the financial services space. Events like our Collaborate series and CONNECT annual client conference, as well as our customer idea portal, help us stay engaged with client needs. The Q2 User Group, has grown by more than 50 percent in the last year, now boasting nearly 300 individual participants during our monthly calls. This dedicated forum helps us keep our FI partners informed on upcoming products, upgrades, and initiatives, while providing our clients a way to be heard. We listen closely and work hard to prioritize solutions that will help your FI address today s challenges, and tomorrow s. Dedicated to a better experience We believe that good design is valuable, feasible, and usable, and our research practices play a big part in shaping solutions that solve real user problems. Our dedicated Product Research Team carries out extensive usability testing in a state-of-the-art lab we call the Experience Research Center (XRC), helping inform and improve the way we develop new products and features. In its first year, our XRC has already yielded hundreds of product improvements and inspired dozens of additions to our Product Roadmap. Engaged, passionate employees Six years in a row! At Q2, our mission is clear: to strengthen communities by strengthening their financial institutions. And we hire team members who are driven by this mission. Since 2004, it s been the key to our success. For six years in a row, Q2 has been recognized as one of the top workplaces in the hottest technology city in the United States. Austin s talent pool is deep, and we have tapped into it to select the perfect team to deliver our mission. Q2ebanking.com

22 the difference is clear

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