© 2012 Confidential, Pegasystems Inc.

© 2012 Confidential, Pegasystems Inc.

Banking & Capital MarketsSpecial Interest Group MeetingPresented by:Pega FS Industry Solutions Team© 2012 Pegasystems Inc.

AgendaTopic Presenter TimeWelcome & Introductions Tony 10 minState of the FS Business Rich 15 minFS Frameworks Update Shawn 15 minBuilding Communities Adi 15 minFS Content Preview Tony 15 minTurbo Networking Breakouts Team 50 min© 2011 Pegasystems Inc.

DID YOUKNOW 2012 Confidential, Pegasystems Inc.4

Banking is CORE to PegasystemsFROM OUR FIRSTCUSTOMER 27YEARS AGO12 of the top 12 U.S. Banks10 of the top 10 Global BanksTO OUR NEWESTSIGNED JUSTLAST WEEK 2012 Confidential, Pegasystems Inc.5

In fact, at PegaWORLD 2012…18% Banking41% Health Care13%InsuranceAll Other28%Representing 13 countries…..…and 28 US States! 2012 Confidential, Pegasystems Inc.6

Pega Drives New Business Double offer acceptance rates 400% increase in new accounts opened online Reduce time to open an account from days/weeks tominutes/hours 100% loans pass quality assurance checks 50% decrease in application abandonment 70% decrease in time to revenue Increase account funding rates to 75% >90% customer satisfaction rates 2012 Confidential, Pegasystems Inc.7

Pega Improves Customer Service6% increase in profitability through improved customer loyalty20% reduction in volume due to the elimination of duplicatesRequests that took 5 days to complete now take 30 minutesSystem so easy that 80% of staff utilized it with no training30% of all dispute cases processed without human interventionAverage resolution time for disputes routed to back-officepersonnel reduced by over 70%Management and regulatory reporting reduced from three to sevendays (or more) to less than 10 minutes 2012 Confidential, Pegasystems Inc.8

STATE OF THE FS BUSINESS 2012 Confidential, Pegasystems Inc.9

Wrap and RenewMobileSocialPegaBranchI-NetWrap and RenewCallATMCustomer/UserBusiness ProcessApplication 1Application 2Application 3Application 4Application 5Application 999Bank ITUserInterfaceUserInterfaceUserInterfaceUserInterfaceAssembly – Enterprise Service BusUserInterfaceUserInterfaceManufactureManufactureManufactureManufactureManufactureManufacture 2012 Confidential, Pegasystems Inc.11

Managing the Customer LifecycleSalesServiceMarketing &CampaignManagement• Outbound Marketing• CampaignManagement• Marketing Operations• Real-time NextBest Action Marketing• Manage Multi-ChannelInteractionsSales Lead &OpportunityManagement• Prospecting• Leads• Opportunity &Pipeline Management• Relationships• Proposals• Forecasting• ReportingCustomerOnboarding &Account Opening• KYC Due Diligence• Customer Verification• Account Selection• Product Configuration• Create/Fund NewAccounts• DocumentManagementCustomer Service, AccountMaintenance & Multi -ChannelOffer/Next Best Action Management• Role Based Access • Change Address• CTI/Chat• Statement Copy• InteractionManagement• Guided Processing• Update Client Profile& Relationships• Offer Management• Knowledge Mgmnt.• Correspondence• Work, Service Level& Quality Reporting• Satisfaction Surveys• E-mail Case Creation• Close/Retain Acct.Platform for 360° View of Client & End-to-End Service Delivery FulfillmentCollections• Queue Creation &Management• DynamicConversationalGuidance• Strategies andTreatments• Promise Processing• Portfolio & AgentPerformance TrackingPegaUnifiedMarketingCPMFor SalesCustomer Process Manager & Next Best ActionNew Business BackboneFinancial Crimes ManagementKnow Your CustomerCollectionsService Case Manager 2012 Confidential, Pegasystems Inc.12

Platforms Shared Across Lines ofBusiness 2012 Confidential, Pegasystems Inc.13

Customer ProjectsDriveRevenue GrowthKnow Your CustomerImproveCustomer ExperienceCSR DesktopEnhanceOperational EfficiencyService Automation Backbone across104 CountriesCommercial Sales Process AutomationContact Center, Next Best ActionGlobal Payment Exception InvestigationsAccount Opening & Client On-BoardingRetirement Services Agent DesktopCard Dispute AutomationMulti-Channel Cross-Sell, Up-SellService Case AutomationService Case Management BackboneLoan OriginationLoan Loss ServicingFraud, AML & Sanctions MgmtWSS Implementation ManagerStrategic KYCCommercial Loan WorkflowWSS Client Service Workstation30% Revenue Growth 5+ Points Retention 40% Productivity Gain 2012 Confidential, Pegasystems Inc.Payment Exceptions InvestigationsCenter of ExcellenceMortgage Default Workstation14

FS FRAMEWORKS UPDATE 2012 Confidential, Pegasystems Inc.15

FS Frameworks - OrganizationalGoals Exploit Pega BPM Capabilities─ Mobile─ Decisioning─ Federated Case Management Modernize and Simplify Product Portfolio─ Update User Interfaces/Guardrail Changes─ Consolidate frameworks─ Baseline on Financial Services Industry Framework (FSIF) Develop new Solutions─ Organic - Capital Markets - On-boarding and Servicing─ Partners – Recoveries, Lending Automation Enablement─ E-Learning Courses (Pega Academy) 2012 Confidential, Pegasystems Inc.16

Financial Services FrameworksRevenue GrowthCustomer ExperienceOperational EfficiencyRetailLendingCommercialWealthNew Business for Financial ServicesElectronic Bank Account ManagementProduct ConfigurationKnow Your CustomerCardCommercialCollectionsDefaultManagementCustomer Process Manager for FinancialServicesService Case Manager for Financial ServicesPaymentsSecuritiesSmart InvestigateSWIFTNetResearch ManagerChecksSmartAdjustIssuerAcquirerSmart DisputeFinancial Crimes Management• Data Models• Organizational Models• Integration Services• Next Best Action *• Unified Marketing *• Adaptive Analytics *• Business Rules• Process Management• Integration ServicesFinancial Services Industry FoundationIntegrated Decision ManagementPega BPM• Sample Data• Self Service and Mashup• Requirements Processing• Pre-Built Strategies• Visual Business Director *• Predictive Analytics Director *• Case Management• User Interface and Correspondence• Mobile ** Separately licensed product/framework 2012 Confidential, Pegasystems Inc.17

Tech Pavilion – FS DemosFinancial Services:─────Booth 3-5A - Retail BankingBooth 3-5B - Corporate andInvestment BankingBooth 4-4B - LendingBooth 4-5A – Wealth Management andBrokerageBooth 4-5B - Risk, Fraud andCompliance Pega BPM───Booth 2-6A and B – Case ManagementBooth 4-6B – MobileBooth 5-7B – Integrated DecisionManagement 2012 Confidential, Pegasystems Inc.18

BUILDING COMMUNITIES 2012 Confidential, Pegasystems Inc.19

Client Needs How do I educate my peers on what we do? How can I encourage re-use of our Pegaimplementations/assets? How can we increase sharing best practice? We’re not ready yet for a COE – but… I don’t have enough writing resources/marketing resources Where do I start? 2012 Confidential, Pegasystems Inc.20

Wells Fargo - PUG 60 members of the Linkedin Group Monthly education webinars Regular local meetings 2012 Confidential, Pegasystems Inc.21

Toronto-Dominion 150 TD peopleattended Speakers from Pegaand TD Setting up acommunity w/hostedlibrary and a calendarof webinars and localmeetings 2012 Confidential, Pegasystems Inc.22

Where do I start?Create a distribution list &start communicatingLaunch a communityStart your COE• Newsletters• Success stories• Go-live• Documents• Monthly get together (virtual/on premise)• Education on your projects/Pega• Internal libraries/hosted sites• Discussion forums• Best practice andconsulting• FS COE forum 2012 Confidential, Pegasystems Inc.23

Example of topics: Business Transformation through Pega BPM Legacy Modernization through Pega BPM What’s New in PRPC 6.2 Frameworks Overview Pega & Agile Development Project Success through Directly Capturing Objectives Getting the Most from Your SI/SA Implementation The Use of Predictive Decisioning to Create Value andRelevance During Every Conversation 2012 Confidential, Pegasystems Inc.24

Women in FS Cocktail ReceptionTue, Jun 5th, 4:30 PM-5:30 PMWedgewood Foyer 2012 Confidential, Pegasystems Inc.25

PEGAWORLD 2012FS CONTENT PREVIEW 2012 Confidential, Pegasystems Inc.26

FS Sessions – Sneak Peek! 2012 Confidential, Pegasystems Inc.27

FS Content Preview See Conference Schedule on page x Banking & Capital Markets Track Decision Management Focused Sessions 2012 Confidential, Pegasystems Inc.28

Where can I learn more? View industry case studies Listen to podcast interviews Read articles, blogs, and opinion pieceshttp://www.pega.com/solutions/by-industry/financialservices 2012 Confidential, Pegasystems Inc.29

Club PegaWORLDThere are many benefits to joining ClubPegaWORLD, here are a few of ourfavorites:Get access to all PegaWORLDmaterials after the eventContinue the conversation withPega thought leaders and yourcolleagues online in the Club forumsGet exclusive access to all Pegademo station collateralTake our feedback survey for yourchance to win an iPad!How to join: The club will be launched a few days after PegaWORLD. AllPegaWORLD attendees will be emailed instructions on how to login to the Club. 2012 Confidential, Pegasystems Inc.30

‘BIRDS OF A FEATHER’NETWORKING 2012 Confidential, Pegasystems Inc.31

‘Birds of a Feather’ Networking What does customer centricity mean to you? What has your company done in the last yearto improve customer experience? How are you using Pega to solve businessproblems? 2012 Confidential, Pegasystems Inc.32

Have a great conference!© 2012 Pegasystems Inc.

© 2012 2012 Confidential, Pegasystems Inc. Inc.34