2. Mike Walker Financial Services Architecture Strategist Microsoft Corporation

6. Enables development of re-usable business services across more than one channel to provide consistent customer experience Addresses organization’s complex web of compliance, privacy, regulatory needs, credit management, fraud controls and operational risk Streamline end-to-end process from client prospecting thru ongoing relationship management Enables all participants in the insurance process to connect with each other including end customer Consolidate and commonize payment processing, financial messaging and archiving operations A strategic approach to renewing core systems in a phased strategic manner. Enabling reduced risk, leverage component based architecture and best of breed partners Focus on improving trade efficiency and effectiveness Branch (Teller & Seller) ATMs Internet Call Center Loan Origination Mobile Customer Knowledge Channel Renewal Risk Management & Compliance Insurance Value Chain Payments Advisor Platforms Core Banking Investment Management Doc Mgmt & Records Retention Business Continuity Management Risk Analytics Security and Privacy Management Audit & Controls Channel Sales & Service Product Development Underwriting Core Policy Systems Claims Processing Payments Services Factory Payments Delivery Channels Clearing and Settlement Treasury and Cash Management Advisor Desktop / Portal Advisory Management Company & Industry Provided Service Lending Systems Credit Decisioning Statement Production Deposit Systems Corporate and Wholesale Banking Client Data File Investment Analytics Investment Services Trade Floor in-a-box Trade Compliance Reinsurance

7. www.fixprotocol.org www.fpml.org www.ifx.org www.swift.com www.twiststandards.org www.nacha.org www.acord.org www.mismo.org www.fstc.org www.lixi.org.au www.rets.org OFX www.OFX.org www.w3c.org www.ieee.org www.ietf.org www.ws-i.org www.oasis-open.org Computing Industry Standards Bodies

8. Channels and Front Office Core Banking Back Office and B2B Call Center ATM Branch Kiosk Internet Treasury Mgmt Commercial Loan Image Archives Check Clearing Payment Networks Correspondent Banking Investors Brokers EFT E-Lending Consumer Mortgage Mobile Payments CRM Check Clearing Deposit Systems Risk Mgmt Lockbox Servicing Corp. Check Capture IVR

13. ECM Integration Enterprise Search Business Data Catalog Role-Based Web Service Integration ECM Integration

16. Financial Services OBA Component Library

17. Application Services Layer Productivity Layer Presentation Layer ERP/LOB Systems BDC Application Definitions & Web Services Business Intelligence (BI Models, Office Data Connections, BI Data Views/Reports, Business Formulas) BPM (WF Activities, WF Workflows, BizTalk Orchestrations) Unstructured Content Type Definitions & IM Policies VSTO Add-ins (App level, Document Templates, Outlook) SharePoint Web Parts Doc Lib/List Templates (field types and site columns) SharePoint Site/Page Templates InfoPath Form Templates Business Alerts and Notifications Search (Content Sources, Search Scopes, Managed Properties) Content Targeting (SP User Groups, Profiles, Audiences) ERP/LOB System Integration Services Microsoft Dynamics ERP SAP Siebel Custom LOB

19. Presentation Layer Extensible UI Web-Based Portal Office Clients Business Rules Engine Orchestration Layer Business Process Management Centralized Business Rules Data Services Layer SQL Server 2005 Third-Party External Mortgage Providers Lending Message Bus Application Services Layer Unified Communications and Collaboration Business Intelligence Enterprise Content Management Workflow Search Business Data Catalog Extensible UI Open XML File Formats Website and Security Framework

20. Dataract and e5 Workflow

22. Presentation Layer Extensible UI Web-Based Portal Office Clients Business Rules Engine Orchestration Layer Business Process Management Centralized Business Rules Data Services Layer SQL Server 2008 Third-Party External Mortgage Providers Lending Message Bus Application Services Layer Unified Collaboration Business Intelligence Enterprise Content Management Workflow Search Business Data Catalog Extensible UI Open XML File Formats Website and Security Framework Custom Developed

23. Business Intelligence Collaboration Search Portal Business Forms Content Management e5 BI spans workflow and value metrics e5 links to Policies and Procedures e5 extends the user interface with Forms Server e5 process management spans collaborative and transactional workflows e5 Enterprise search across all workflows, communications and transactions e5 internet portals for members and advisors Platform Services

24. Loan Origination RAP in Action Craig van Zeyl CEO Dataract

28. © 2008 Microsoft Corporation. All rights reserved. Microsoft, Windows, Windows Vista and other product names are or may be registered trademarks and/or trademarks in the U.S. and/or other countries. The information herein is for informational purposes only and represents the current view of Microsoft Corporation as of the date of this presentation. Because Microsoft must respond to changing market conditions, it should not be interpreted to be a commitment on the part of Microsoft, and Microsoft cannot guarantee the accuracy of any information provided after the date of this presentation. MICROSOFT MAKES NO WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, AS TO THE INFORMATION IN THIS PRESENTATION.