fis real-time lending

FISREAL-TIME LENDINGPOWERED BY

FIS’ Real-Time Lending helps banks attract more relationships, faster

Bank technology should enhance relationships, not replace them.

FIS’ Real-Time Lending, powered by Numerated, is designed to help banks digitally transform credit, banker sales and the customer experience — without leaving the power of people behind.

The platform has grown rapidly since its launch in 2017 and has become the competitive advantage and growth rapidly to become the competitive advantage and growth engine for the top relationship banks in the country.

1 | FIS Real-Time Lending Overview

Create a competitive advantage for relationship growth

Underwrite in advance Continuously identify and pre-qualify every business in your market against digital credit policies for loans, LOCs, credit cards and more

Supercharge banker sales Search for lendable businesses, automate marketing to them, and build prospect lists by geo, industry, transactions with competitors, and more

Be radically easy to borrow from Win customers with simple borrowing experiences that take customers from application start to account funded in as few as 3 minutes

Expand relationships faster Surface expansion opportunities in bank data and leverage real-time borrowing as the tip-of-the-spear to pull in deposits, treasury, and more


“[We presented] our small business customers with the opportunity to obtain a loan of up to $100,000 in as little as 5 minutes from application to funding – completely digitally – representing the easiest, fastest, and most transparent borrowing experience offered by any bank in the United States.”

- Bob Rivers, Chairman & CEO, Eastern Bank

Built by bankers, for bankers, inside a bank

Originally developed within and for one of the largest mutual banks in the United States, $11B Eastern Bank in Boston, FIS Real-Time Lending is built bank-tough.

At the intersection of the on-demand digital economy and modern banking landscape, Real-Time Lending’s banker-integrated platform dramatically improves the experience for both bankers and end customers alike.

Through its technology, data science and growth tools were purpose-built to help business and retail bankers identify, engage, close and expand relationships in their markets.

IDENTIFY lendable businesses by underwriting in advance, across multiple products

ENGAGE businesses with automated marketing and consultative banker outreach

CLOSE with radically fast and simple real-time borrowing experiences

EXPAND relationships into more products by leveraging bank transaction data


“Our growth strategy as a mutual has centered on our people earning the confidence of customers with products and services that exceed their needs. Numerated’s compelling growth stories with other banks focused on exactly this. We look forward to providing our bankers with actionable data to have more personalized conversations with businesses, and offering these businesses a real-time borrowing experience that makes Dollar Bank easy to choose.”

- Jim McQuade, President and CEO, Dollar Bank

Credit Decisioning Automation

Banker Sales Tools

Empower your bankers to have proactive conversations with high quality prospects

Real-time Borrowing

Win customers and generate loyalty by being radically easy to borrow from

Go beyond the LOS and power relationship growth

Digitally transform credit, how bankers go-to-market, and the customer experience

Assess credit eligibility in advance and automate decisioning in real time

The platform harnesses data from inside and outside of the bank to supercharge bankers’ business development activities and dramatically reduce the work required by borrowers — all while putting your bank in control of its unique credit policies.

FIS Real-Time Lending supports multiple bank credit products, and is leveraged by retail, business and commercial banking teams.


“Numerated is helping bring BNB Bank’s community banking model to the next level, marrying technology and data analytics with personal service. We look forward to offering digital borrowing experiences that exceed business owners’ expectations for simplicity and speed, and to providing our experienced bankers with data insights and tools to help businesses grow and thrive in the communities we serve.” - Kevin Santacroce, EVP, Chief Lending Officer, BNB Bank

Banker Sales Tools

Continuously pre-qualify existing and prospective customers across multiple bank products Deliver prospect lists by industry, location, product adoption, competitors and more Discover relationship expansion opportunities to inform consultative conversations

Credit eligibility on existing and prospective customersLead discovery, scoring, segmentation and routingOpportunity identification for relationship expansionPersonalized email marketing automation

Attract more relationships, faster, with data and tools designed to help bankers have proactive, informed conversations

650Kmarketing emails delivered annually to

generate inbound leads

$5Kin new loan bookings for every banker conversation enabled by the platform

1.4Bcustomer transactions analyzed to

identify sales opportunities


Real-time Borrowing

Win customers and generate loyalty by being radically easy to borrow from

2m57sfastest borrowing, from application

start to account funded

95Net Promoter Score

from bank customers

5simple questions in personalized,

pre-populated applications

Delight customers with borrowing experiences featuring as few as five questions and completed in as few as three minutes

Reduce the work required by borrowers by pre-populating applications with data from inside and outside of the bank

Offer omnichannel choice and consistency, across devices and bank touchpoints

Dynamic, pre-populated applicationsReal-time decisioning and digital term sheetsOmnichannel choice and consistencyOn-demand, device-agnostic access


Credit Decisioning Automation

100+parameters available for credit

policy configuration

5K+credit segments across

34 unique credit policies

10Mbusinesses analyzed daily for

credit eligibility

Digitize different credit policies for different products, without sacrificing transparency and configurability

Support business and retail products, and define different levels of decisioning automation for each

Leverage rich data integrations and AI-driven data validation designed for banks

Configurable across multiple bank productsRules- and segment-based approachChoice to layer on additional credit scoresConviction on the data required for real-time decisioning

Control credit policy digitization, assess eligibility in advance, and price risk in real time


“We pride ourselves on our ability to provide customers with a unique value proposition through the integration of technology enhanced by our expert bankers. This new digital business lending solution from FIS and its partner Numerated is the next step in that journey, and reaffirms our commitment to partnering with innovative fintech companies who understand the dynamic needs of our customers.”

- Sara Longobardi, Sr. EVP, Retail Banking, People’s United Bank

Rich Data Integrations & AI Capabilities

Rich data integrations, including

Infuse banking-specific machine learning across the organization

Credit score support for


“We chose FIS Real-Time Lending’s real-time lending platform for its demonstrated ability to drive loan growth, utilizing our existing credit policies. Small business owners are often owner-operators and the real time, same day funding functionality offers an exceptional experience for these clients.”

- Susan Simper, Director of Business Express, MidFirst Bank

One Platform, Many Products

Real-Time Lending Products

Business Term Loans <$250K Business Lines of Credit <$250K SBA 7(a) Express Loans Combination Loan & Line of Credit Business Credit Cards Business Overdraft Protection

Real-Time Term Sheet Products

Owner-Occupied Commercial Real Estate Equipment Loans Working Lines of Capital

Leveraged by retail, business and commercial banking teams, across an increasing number of products

* Inquire to learn more about additional retail and business products in development


“One of our customers is a government contractor that was significantly adversely effected by the government shut down. They couldn’t meet payroll and their backs were up against the wall. We were able to get them a loan in 78 minutes from the moment we started the conversation. We were there for them, and earned their business for the next 10 years during the experience.”

- Jeff Bray, COO, Seacoast Bank

95 $2K

2X 5 $5Kin bookings for every banker

conversation

Net Promoter Score from customers

cost savings per loan

increase in weighted average interest rates

minutes closing vs. 4 weeks closing

4Xincrease in small business

loan portfolios

Platform Impact


“We chose Numerated’s real-time lending platform for the configurability and control it offers, allowing us to drive growth with confidence. We are excited to offer a real-time lending experience to businesses, and are already benefiting from growth and more profitable lending operations. Most importantly, our customers have been thrilled with the speed, convenience and simplicity.” - Scott Kosik, VP & Senior Digital Banking Officer, Horizon Bank

Numerated Investors

Numerated is backed by leading venture capital firms and advisors with long-standing leadership in financial services

Karen G. MillsFormer Head of the Small Business Administration and Senior Fellow at the Harvard Business School

Raj DateFounding Deputy Director of the Consumer Financial Protection Bureau (CFPB) and current Managing Director at Fenway Summer Ventures

Numerated Advisors

Sponsors

Mike TyrrellPartner, Venrock

Joe MaxwellManaging Partner, FINTOP Capital

Rob Lee EVP, Digital & Banking , FIS

Jerry PlushPartner, Patriot Financial Partners


ABOUT FIS

FIS is a global leader in financial services technology, with a focus on retail and institutional banking, payments, asset and wealth management, risk and compliance, consulting, and outsourcing solutions. Through the depth and breadth of our solutions portfolio, global capabilities and domain expertise, FIS serves more than 20,000 clients in over 130 countries. Headquartered in Jacksonville, Fla., FIS employs more than 55,000 people worldwide and holds leadership positions in payment processing, financial software and banking solutions. Providing software, services and outsourcing of the technology that empowers the financial world, FIS is a Fortune 500 company and is a member of Standard & Poor’s 500® Index. For more information about FIS, visit www.fisglobal.com.

ABOUT NUMERATED

Numerated is the bank technology company powering the digital transformation of relationship banking. Numerated’s real-time sales platform helps banks attract and deepen relationships with businesses, arming bankers with modern business development tools and real-time borrowing experiences that win relationships. Numerated partners with top relationship banks, including Eastern Bank where its technology was originally incubated, Bremer Bank, Dollar Bank, MidFirst Bank, Seacoast Bank, People’s United Bank, and more.

Numerated and FIS™, the world’s largest global provider dedicated to financial technology solutions, have partnered to bring real-time lending to more banks across the U.S. Our partnership offers banks deep data and technical integrations, minimal IT resource requirements, and accelerated speed to market.

©2019 FISFIS and the FIS logo are trademarks or registered trademarks of FIS or its subsidiaries in the U.S. and/or other countries. Other parties’ marks are the property of their respective owners.

www.fisglobal.com [email protected]

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fis real-time lending

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