DirectLink MerchantUnleash the Power of Integrated

Desktop and Mobile RDC

May 24, 2017

Tabitha Poore, Benchmark Community Bank, Vice President/Controller

Tim Wilcox, Product Manager

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DirectLink Solution Set

FIS DirectLink provides real-time image capture and processing for all channels

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Branch

Capture

Teller

Capture

Consumer

Capture

Image-

Enabled

ATM

Image

Exchange

Gateway

Merchant

CaptureRemittance

DirectLink benefits to institution

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Support all

check

processing

channels

Real-time

image

access

Reduce

file

transfers

Trend

toward more

real-time

feedback of

fraudulent

activity

Integrated

workflow for

exception

item

resolution

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DirectLink Merchant

DirectLink Merchant brings key benefits to you and your clients

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Multi-

Browser

Integrated

RemittanceEntitlement

Management

Device

AgnosticRisk

Controls

• Consistent User

Experience across

all devices

• Mobile capture with

multiple checks in a

single deposit

• No amount entry

prior to photo’s

• All major browsers

supported

• Ability to service non-

centralized payment

collection (stranded

payments)

• Coupon capture and

payment export files to

perform traditional lockbox

• Custom remittance fields

for user entry

• Target market expansion

• Sophisticated and

configurable entitlements

• Institution administrator

can modify entitlements to

standard roles and create

new roles.

• Provides flexibility to

institution as well as end

customer

• Single Sign-on

• Multi-factor Authentication

• Your client’s computers

and scanner hardware

will not require

expensive and

potentially problematic

swap outs

• Use of mobile devices

for administrative

purposes and/or mobile

deposit

• Network scanners

• Duplicate detection

of previously

deposited checks

with 12 months

• Account Risk

Controls can be set

at the Item, Deposit

or Daily limit

• Deposit Review for

Institutions and

Merchants

DirectLink Merchant has a responsive design

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Delivers an enhanced customer experience

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• Interface designed for ease-of-use

• Built-in functionality to enhance

customer experience

– CAR/LAR reads amounts of checks

– DREAM auto corrects items that were

scanned upside down and/or backwards

• Flexibility in Branding

– Bank logos

– Color schemes

– Custom terminology

• Responsive Design

– Look and feel of the solution remains the

same regardless of the device

With both mobile and desktop integration

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• Mobile Deposit features

– Delivered using the browser is available

– Standalone brandable native mobile app in development

– Mobile API for Integration to Mobile Banking in development

• Multiple check deposits from desktop or mobile device

• No amount entry during mobile check capture

• Manage and monitor while on the go

– Manage desktop and mobile deposits from a single platform

– Consolidated desktop and mobile deposit reporting

– Evaluate and track recent deposits

– Review and approve pending deposits

– Export data captured from desktop or mobile to A/R system

Target commercial customers and small businesses with simplified capture on the mobile device

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Small Business custom

• Use of owned device

• Low-volume check deposits

Field Agent Model and Workflow

• Image Capture

• Image/Item Processing Tools

• Custom remittance fields (e.g. route # or invoice #)

• Deposit Transaction Research

Use Case – Mobile Workforce

• Service companies

• Insurance agents

• Food Service companies

• Distributors

DirectLink Merchant Summary

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• Rollout June 2016

• 32 institutions live

• 19 institutions scheduled for implementation

• 1,658 scanners deployed

• 175,000+ items deposited monthly

• Mobile deposit general release April 2017

• Mobile beta institution beginning full

implementation May 2017

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Benchmark Community Bank

Tabitha Poore

Vice President/Controller

Benchmark Community Bank

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• Headquarters – Kenbridge, Virginia

• Established 1971

• 570 million assets

• 12 Locations

• Core Platform – Bankway

• Digital Insight – consumer and business ebanking

• FIS Item Processing

– ImageCentre Item Processing

– FIS DirectLink Merchant

– FIS DirectLink Teller

– FIS Content Management

Document Imaging

Document Workflow

Cold

Benchmark Community Bank

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• DirectLink Merchant – Since June 2016

– Implementation and training

– Customer feedback

– Deposit review

• 8 customers live

– Sample customer profile

• DirectLink Mobile Deposit

• Target market expansion

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Questions

Tim Wilcox

tim.wilcox@fisglobal.com

©2017 FIS and/or its subsidiaries. All Rights Reserved. FIS confidential and proprietary information.