With cloud, you have the flexibility to acquire and use IT resources and services on-demand, which represents a major shift from traditional approaches managing cost. A key first step on your organization’s cloud journey is to establish best practices for cost management in the cloud. AWS' cost optimization techniques help our customers understand cost drivers and effectively manage the cost of running existing application workloads or new ones in the cloud.

1. © 2019, Amazon Web Services, Inc. or its Affiliates. All rights reserved.
Cloud Economics:
The Financial Case for Cloud Migration
and Cost Optimization on AWS

2. Agenda
The AWS difference
Working backwards – customer success stories
Total Cost of Ownership (TCO)
TCO and cost optimization in the AWS Cloud
What next?
Lessons learned from Coast Capital Savings

3. The AWS difference

4. What sets AWS apart?
Building and managing cloud since 2006
165+ services to support any cloud workload
Over 1,957 significant features and services launched
in 2018
69 Availability Zones across 22 Regions, 187 Points of
Presence
75 proactive price reductions to date (as of September
11, 2019)
Experience
Service Breadth & Depth
Pace of Innovation
Global Footprint
Pricing Philosophy
Partners Thousands of consulting and technology partners,
4,800+ AWS Marketplace products
* As of July 30, 2019

5. Why choose AWS over traditional infrastructure?
Equipment
Resources and
administration
Contracts Cost
Traditional
No up front expense –
pay for what you Use
Improve time to
market and
agility
Scale up and
down
Self-service
infrastructure
AWS Cloud

6. Working backwards – customer success stories

7. Municipal Property Assessment Corporation (MPAC)
Nicole McNeill, Chief Financial Officer
”
“AWS has had a transformational
effect on our business, enabling
us to serve our business clients
better and faster than we ever
have before.
• Public sector organization evaluates 5M+ properties across
Ontario for use in assessing $30B+ in property taxes
• Formerly 95% “keep the lights on” and 5% innovation
• Migrated off traditional IT architecture to AWS for greater
speed and agility
• Main valuation engine now runs 5,000% faster at 1/10th the
cost of previous architecture
• Developers release new features every one to two weeks
instead of every three to six months as in the past
• Started with a purchasing card at a spend of $50-
100/month
MPAC is the largest assessment jurisdiction in North
America, responsible for accurately assessing and
classifying more than five million properties in Ontario.

8. Financial Industry Regulatory Authority (FINRA)
Steve Randich, Chief Information Officer
“ For our market surveillance
systems, we are looking at about
40% (savings with AWS), but the
real benefits are the business
benefits. We can do things we
physically weren’t able to do
before, and that is priceless.
”
• Wanted a platform to provide greater speed and
scalability for analyzing petabyte-scale data
• Migrating mission-critical operations to AWS
• Can provide analysts with real-time access to 75 billion
records collected daily
• Can move faster and more efficiently in serving core
business processes
• Estimated savings of $10-20m annually by using AWS
FINRA is the largest independent regulatory authority
in the United States. It is based in Washington, D.C.

9. Total Cost of Ownership (TCO)

10. Comparing TCO isn’t easy
≠
Traditional data center
and co-location
Comparative Total Cost of Ownership analysis (acquisition and operating costs)
for running an infrastructure environment end-to-end on premises vs. AWS

11. TCO considerations include ALL of the following…
Diagram doesn’t include every cost item. Software costs can include database, management, and middle tier software costs. Facilities cost can include
costs associated with upgrades, maintenance, building security, taxes, etc. IT labor costs can include security admin and application admin costs.
Business Value:
Cost of delays
Risk premium
Competitive abilities
Governance
Server Admin, Virtualization Admin,
Storage Admin, Network Admin, Support TeamIT Labor Costs4
Facilities Cost
Hardware – Storage Disks,
SAN/FC Switches
Software – Backup
Space Power Cooling
Storage Costs2
Project Planning, Advisors, Legal, Contractors,
Managed Services, Training, Cost of Capital
Extras5
Hardware – Server, Rack
Chassis PDUs, ToR
Switches (+Maintenance)
Software – OS,
Virtualization Licenses
(+Maintenance)
Server Costs1
Facilities Cost
Space Power Cooling
Network Hardware – LAN
Switches, Load Balancer
Bandwidth Costs
Software – Network
Monitoring
Network Costs3
Facilities Cost
Space Power Cooling

12. What’s included in a typical TCO analysis?
Economic Criteria Category
Infrastructure Comparison
Capacity Planning Benefits
Financial Benefits of Innovation
Cost Avoidance
Workforce Productivity
Accelerated Time To Value/Market
Cost to Achieve (Migration, Platform, Training)
Legacy Constraints
Included Partially Included Not Included

13. On premises capacity planning
Studies by Gartner, McKinsey, and the
Uptime Institute have stated that typical
data centers are on average
less than 50% utilized
www.uptimeinstitute.org
anthesisgroup.com/wp-content/uploads/2014/08/Data-Center-Issue-Paper-final826.pdf
www.nytimes.com/2012/09/23/technology/data-centers-waste-vast-amounts-of-energy-belying-industry-image.html
A typical on-premises compute
environment is massively under-utilized
Utilized
Capacity
Idle
Capacity
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
On-Premises IT
Compute Capacity

14. Why is on-premises infrastructure so under-utilized?
Part-time
Peak
Fluctuating/“Spiky”
Peak
Cyclical
Peak
Part of this can be explained by buying for
“peak load” requirements with inflexible infrastructure

15. Why is on premises built for peak?
Idle Capacity = Wasted $
OUTAGE!
Downtime
Lost Customers, Citizens, Students
Lost Service Opportunity
Lost Confidence, Trust, Interest
Lost Revenue
(… Impossible to measure)
More Wasted $
Yet More Wasted $
Time
$
Initial
fixed
capacity
$$
New purchase
after
“Don’t let it
happen again!”
$$$
Increased
capacity, again
Utilization
Utilized Capacity

16. TCO and cost optimization in the AWS Cloud

17. How does AWS help customers reduce their TCO?
Source: IDC Whitepaper, sponsored
by Amazon, “The Business Value of
Amazon Web Services Accelerates
Over Time.” December 2013
“Customers will have spent
63.4% more on average
on premises or in co-
location.”
Remove over-provisioning
and move to a pay-for-
what-you-use model
Economies of scale allow AWS
to continually lower costs
Pricing model choice to support
variable and stable workloads:
• On Demand
• Reserved Instances
• Spot Market
Save more money
as you grow bigger:
• Tiered pricing
• Volume discounts
1
2 3
4

18. Consider traditional approaches to capacity management
Build to peak load Build to average load

19. Reduce over-provisioning via elasticity
Auto Scaling allows you to:
• Reduce over-provisioning
• React dynamically to
changes in load
• Schedule regular workloads
• Optimize your instance
usage
• Free service

20. Benefit from AWS economies of scale
More
Services,
Reduced
Prices
More
Customers
More AWS
Usage
Economies
of Scale
Lower
Infrastructure
Costs
More
Infrastructure
Community
Global Footprint
New Features
New Services
Infrastructure
Innovation
We pass the savings along to our
customers in the form of low prices and
continuous reductions
(75 price reductions to date –
continuously lowering prices for
customers is in our DNA)

21. Select the appropriate Amazon EC2 pricing model
On Demand Reserved Instances Spot Market
Capacity reservation… and up
to 75% savings vs.
On Demand pricing
Bid on AWS spare capacity…
Up to 90% savings vs.
On Demand pricing

22. Get volume-tiered pricing discounts (e.g. Amazon S3 *)
$0.025 GB/month $0.024 GB/month $0.023 GB/month
First 50 TB/month Next 450 TB/month Over 500 TB/month
*Example based on Canada
(Central) Region

23. Five pillars of cost optimization in the AWS Cloud
Right-size your
instances
Increase elasticity Pick the right
pricing model
Match usage to
storage class
Measure and
monitor

24. Economic cost improves through optimization
Instance
Right-Sizing
Improved
Elasticity
Storage
Optimization
Optimized
Lift and Shift
Measure
Monitor and
Improve
Serverless
Architecture
Managed
Services
Re-platformed,
AWS Optimized
On
Premises
Lift and
Shift
Traditional TCO Comparisons

25. Establish metrics and targets
Set up metrics to define success and track progress
“What KPI makes sense for this workload?”
% Instances turned off daily
% of Instances right-sized
% Always-on resources covered by RIs
% RI utilization
✔ ✔
✔ ✔

26. Monitor your workloads
Monitor AWS Resources Monitor Custom MetricsSet Alarms
View Graphs and
Statistics
Monitor and React to
Resource Changes
Amazon CloudWatch AWS Trusted Advisor AWS Cost Explorer

27. Schedule your workloads
100.0
71.4
35.7
29.8
0
20
40
60
80
100
24 x 7 24 x 5 12 x 5 10 x 5
% Running Time
Up to 70% savings
for non-production
workloads
Use AWS Instance
Scheduler or a
partner solution

28. Consider serverless architectures
No Server
Management
Flexible
Scaling
High
Availability
No Idle
Capacity

29. What next?

30. Questions to consider when exploring TCO
Capacity
Planning
1 How do you plan for capacity?
How many servers have you added in the past year? Anticipating next year?
Can you switch your hardware on and off and only pay for what is used?
Utilization
2
What is your average server utilization?
How much do you overprovision for peak load?
Operations
3 Will you run out of data center space some time in the future?
What was your last year power utility bill for the data center(s)?
Have you budgeted for both average and peak power requirements?
Optimization
4 Are you on AWS today?
Is your architecture cost optimized (Auto Scaling, Reserved Instances,
Spot, Instances turn on/off)?

31. Thank you
… and introducing
Coast Capital Savings

32. Private & Confidential / Property of Coast Capital Savings 32 How can we help
you?
Coast Capital Savings
Cloud Overview
Date: November 5, 2019
Infrastructure & IT Operations
Prepared By: Jason Hikida

33. Private & Confidential / Property of Coast Capital Savings 33 How can we help
you?
Robotic Process
Automation
(RPA) Released
CCS Cloud Overview | Coast Capital Savings Cloud Journey
Coast Capitals Cloud journey began in early 2017, with the formation of a multi-discipline team (aka Cloud Swat); Including representatives from Enterprise
Architecture, Information Security, Networks, Platform Engineering, Infrastructure, Operations, QA and Application Development
A strategic partnerships with cloud integrator, Onica (formerly TriNimbus) helped accelerate this journey by working with the team to build out the foundational
components (including the cloud governance framework) to ensure a successful deployment
Q3Q2 Q4
2017 2018
Q1 Q3Q2 Q4Q1
Build Foundational Capabilities Competitive Advantage & Innovation
CCS Cloud
Journey Begins
Cloud Swat
Team Formed
First
AWS
Workloa
d
Cloud Governance
Committee
Established
Foundationa
l Setup
Complete
Where are we today?
Over 290 AWS
instances, spanning
Production, QA and
Development
Announced
New I/O
Team
Structure and
Operating
Model
Adoption of Cloud First Strategy & Workload Migration
Ongoing Investment in Training & Development to Build Internal Cloud Capabilities
First AWS
Production
Workload
Q1
2019
Coast
Capital
Public Web
Site (PWS)
Launched
Financial
Well Being
(FWB)
Launched
Q2 Q3
CRM
Go-Live
Contact Centre
Live
Auto
Financing
Web Site
Launched
Digital
Membership
Opening
Launched
Digital Credit
Union (Online
Banking)
Go-Live
Personal Financial
Management
(PFM) Launched
IaaS/PaaSSaaS
Enterprise Service
Bus (ESB) Live
Note: Coast has also partnered with over 90 different SaaS-based service providers
Data Lake / Date
Warehouse
Go-Live

34. Private & Confidential / Property of Coast Capital Savings 34 How can we help
you?
Cloud Financials | Is the Cloud Cheaper?
When comparing cloud Infrastructure As A Service (IaaS) versus traditional On Premise solutions, you need to consider total value of ownership (TVO), which includes
value of agility, time to market and operational efficiency. There are many hidden costs associated with managing and maintaining physical hardware
On-Premise Cloud Services
• Subscription Fees
• Network fees
• Hardware Maintenance & Evergreen
• Hardware Setup & Installation
• Data Centre / Facilities Costs (incl. UPS
and HVAC)
• Hardware Support & Maintenance
Contracts
• Unutilized Capacity (Disaster Recovery /
Anticipated Growth)
• Outages & Downtime
• Firmware Patching & OS Upgrades
• IT Personnel
• Implementation & Customization
• Training
• Software License
• Hardware (Server, Network & Storage)
• Implementation & Customization
• Training
With the emergence of cloud and the shift towards cloud or subscription based solutions,
you will see a shift from traditional CAPEX spend to OPEX. This will impact how you prepare
and manage your budgets

35. Private & Confidential / Property of Coast Capital Savings 35 How can we help
you?
Cloud Financials | Tips for Managing Costs
 Educate your stakeholders and effectively manage expectations
• Dispel myths & misconceptions – Cloud is not always cheaper
• Explain the “why” – What’s important to the business? Agility & Innovation?
 Choose the right instance & storage types
• Some trial & error
• Use tools to monitor resource utilization & performance –
 Automate your build process & leverage auto-scaling
• Scale to meet capacity needs
• Easily swap instance types
 Actively manage your environment
• Establish a governance process upfront
• Turn off unused instances
• Use Reserved Instances (RI’s) where appropriate –
• Monitor you workloads –
 Implement a tagging strategy
• Easily identify systems
• Cost transparency
Our next steps:
• Continue automation journey
• Increase use of serverless computing
• Seek opportunities to leverage spot
instances
Tips from the Coast trenches & lessons learnt

36. Private & Confidential / Property of Coast Capital Savings 36 How can we help
you?
BEST NEW APP (DMO & PFM) RANKED TOP 5 MOBILE BANKING APP IN CANADA BEST FINTECH PARTNERSHIP (DCU)
RISK & SECURITY EXCELLENCE 2019 CREDIT UNION of THE YEAR TOP DIGITAL INNOVATION & BEST USE OF CLOUD
Gain external recognition for the innovations, features & capabilities launched on our digital banking platform at various industry events to reinforce Coast Capital
Savings as thought leaders in the financial industry
SHOWCASING COAST CAPITAL’S INDUSTRY AWARDS | Notable Awards & Accomplishments
WINNER of Finovate’s Best Fintech Partnership award
• Recognized for the best partnership (with ebankIT) – implementing
a robust Digital Banking platform, resulting in new groundbreaking
digital banking experiences for our members (i.e. Security,
personalization, end-to-end product acquisition)
TOP 5 RANKING Canadian Mobile Banking Experience
• Ranked #1 for Mobile APP ‘Account Information’ availability
• Ranked #1 in Digital Relationship Services & Response Times
WINNER 2020 Top 50 Cyber Security & Risk award
• Showcased excellence in developing an innovative, best-in-class
fraud prevention & detection solution on our new Digital
Banking Platform such as a secure biometric login, personalized
username & passwords and risk-driven multifactor
authentication (OTP)
FINALIST for 2 award categories
• Top Digital Innovation award – the implementation of a digital-
focused banking solution that has demonstrated genuine innovation
and modernized FIs offerings
• Best Use of Cloud award – the successful implementation of cloud-
focused digital banking solutions that has demonstrated viability,
scalability and operational efficiency
FINALIST for the 2019 Credit Union of the Year award
• Recognized as a leading Canadian Credit Union in digital
innovation and providing innovative & inclusive financial
services for it’s member base.
WINNER of MuleSoft’s 2018 Technology Innovator
• Recognized for the innovative implementation of MuleSoft’s
Anypoint Platform for our Digital Membership Opening
application (DMO) and Take Charge Money Manager tool
(PFM)
SURVISCOR
Winner announced NOV 18th Winner announced DEC 5th

37. © 2019, Amazon Web Services, Inc. or its Affiliates. All rights reserved.
Thank you!