What the combination of Misys and Custom Credit Systems will mean for our customers and partners

2. Misys acquires Custom Credit Systems

3. About CCS
• Leading provider of credit workflow and loan origination software
• Deep expertise and impressive credentials in commercial lending
• Strong track record with a well-established solution
• Differentiating loan origination capability
Together with Misys
• Creates the industry’s most comprehensive front-to-back office
commercial lending solution, with broad asset class coverage
• Provides the full lending workflow from origination in the front
office, to loan management and accounting in the back office
• Expands our leadership position in commercial lending
Misys acquires Custom Credit Systems (CCS)
– transaction closed 8 August 2014
3© Misys 2014 11 August, 2014
Leading
innovator
25 years’
experience
Privately
owned
24 lenders
in North
America

4. Acquiring CCS – strategic rationale
4© Misys 2014 11 August, 2014
Expands leadership position of Misys
FusionBanking Loan IQ
• CCS front office offering fully complements
FusionBanking Loan IQ back office processing
to create a best-in-class front-to-back office
commercial lending solution
• Flexible loan origination engine key for high
volume commercial lending lines
• CCS has proven capability in loan origination
across multiple lending classes
Large, unaddressed market opportunity
• Commercial lending market estimated at $2.6bn
globally, large green field opportunity (<30%
banks estimated to have a vendor solution)
Extends Misys addressable market into mid
and lower tier banks
• Mid-sized and smaller banks increasingly
looking to vendors to provide single systems to
support multiple lending lines, front to back
• CLXpress is an easy to implement, SaaS
version of the product with pre-defined
workflows quickly gaining traction in this market
Leverage Misys reach
• Extend CCS offering to Misys customer base as
both an integrated solution with FusionBanking
Loan IQ and a standalone on-premise or cloud-
based offering
• Expand reach of CCS to new prospects globally
• Invest more in CCS products and people in line
with Misys growth strategy

5. Banks are focused on upgrading their lending systems to support growth
Commercial lending – a focus area for investment
5© Misys 2014 11 August, 2014
Regulatory, market, and operational needs are converging;
lenders are recognizing their commercial lending processes
and systems will not them through the next business cycle.
PwC’s FS Viewpoint. Risky Business: Why Managing the Risks of Evolving Business
Models Is the Key to Avoiding the Next Financial Crisis – January 2011.
“
”
• Half of the top 40 commercial lenders are in the process of,
or have completed, a major transformation; most of the remaining
ones have begun the process
• Within the next two years 90% of the industry plans to have
its credit origination systems integrated with servicing
• 59% of banks who are undertaking or have completed
a transformation used outside vendors
Source: PwC
Valueofcommercialandindustrial
barstheendofperiod(in$billions)
2,500
Source: IHS Global Insight for commercial and
industrial loans at all commercial banks
2,000
1,500
1,000
2001
0
2011 202120152005
Actual
commercial
loan growth
Potential
commercial
loan growth
Commercial lending is expected to grow
significantly over the next decade

6. Complementary offerings create best-in-class front-to-back solution
6© Misys 2014 11 August, 2014
CCS completes the FusionBanking lending solution set
Workflow and business process management
Unified platform
Sales & CRM
• Pipeline
reporting
• Workflow
wizards
Underwriting &
App Processing
• Credit policy
• Financial analysis
• C&I, CRE, ABL,
Syndications, SBA,
etc.
Document
Generation &
Preparation
• Audit checklists
• Legal content
• Credit write-up
Loan Boarding
• Funding
• Booking
• Renewals
• Modifications
• Extensions
Proactive
Portfolio/Risk
Management
• Covenant tracking
• Annual reviews
• Exception tracking
Collateral
Management
• Lien perfection
• Tickler tracking
• Borrowing base
valuations
Channels
• Drawdowns
• Payments
• Balance
enquiries
Business
Intelligence
• Queries
• Reports
• In-memory
analytics
Trading
• Position
monitoring
• Confirmation
and settlement
Servicing
• Payments
• Rollovers
• Agency
processing
• Loan
accounting
FusionBanking Loan IQ
Commercial loan servicing and accounting
CCS
Credit workflow and loan origination

7. Combination of CCS and FusionBanking Loan IQ creates best-in-class, fully
integrated, front-to-back office commercial lending solution across all lending asset
classes
• Combined solution well positioned to win as lenders focus on consolidating their systems
• With CCS Misys can now support the full lending workflow from origination in the front office,
to servicing and accounting in the back office
• FusionBanking Loan IQ is the #1 lending solution in the market. Acquisition of CCS further
reinforces Misys leadership position in all areas of the commercial lending space
• Combined solution will be delivered to banks of all sizes across the globe - from small and
mid tier banks to global tier 1 financial institutions
• Expand reach to Misys customer base (2000+ customers globally) and new prospects
as both an integrated solution with FusionBanking Loan IQ and a standalone on-premise
or cloud-based offering
• Leverage Misys size and scale to enter new markets with standalone on-premise or cloud-based offering
Opening up the addressable market opportunity
7© Misys 2014 11 August, 2014

8. • Strong track record – solution well-
established and proven in the US market
• Addresses the needs of the global lending
market – enabling Misys to extend offering
in all regions
• Differentiating loan origination capability
• Flexible, configurable workflow and rapid
deployment
• Well established customer base including
5 of the top 10 US lenders
• Solutions are proven at a number of joint
customer sites
• Management team with deep commercial
lending credentials
Why CCS?
8© Misys 2014 11 August, 2014

9. Benefits for Misys customers
9© Misys 2014 11 August, 2014
Industry leading, fully integrated
front-to-back lending solution
• Full lending workflow from origination
to loan management and accounting
• Syndicated and high volume commercial lending
• Front to back, cross loan asset coverage,
real-time functionality and reporting and
advanced collateral management
Comprehensive offering across
all lending asset classes
• Broad asset class coverage - commercial,
agricultural, real estate and small business lending
A transformational lending platform
• Best-of-breed solutions delivered across
the entire loan lifecycle by a single vendor
• Improved processing and infrastructure allow
rapid deployment, streamlined operating models
and reduced risk
• Key building block for system consolidation
• Ability to manage large loan volumes and
multiple lines of business
• Lower total cost of ownership
Enhanced customer insight
• 360º view of each borrower’s relationship
with the bank
• Drives better credit decisions to improve P&L

10. Increased investment
• Misys is committed to ramping up investment in CCS across Sales, Services,
Support and Development
Access to fully integrated front-to-back office lending solution
• Out-of-the-box integration with FusionBanking Loan IQ will deliver a more comprehensive
solution from a single vendor
Leverage Misys expertise and global reach
• Established commercial lending servicing platform (30 US clients)
• Deep expertise in US – FusionBanking Loan IQ headquartered in NYC for >15 years
• Ability to implement and support solutions across the globe
• Benefit from global investment in R&D, focus on quality
Participate in Misys customer community
• Market Forums, Customer Advisory Boards, User Groups, Loan IQ community of more than
80 clients
Benefits for CCS customers
10© Misys 2014 11 August, 2014

11. CCS customers
11© Misys 2014 11 August, 2014

12. Challenge:
• Multiple systems required to process each loan
application – duplication of effort and slow
response times
• Process under strain due to increase
in loan volumes
Requirement:
• Streamline credit processes and consolidate
activities to maintain customer satisfaction and
handle future increased volumes
Case study: Huntington National Bank
Simplifies loan processing with CCS
© Misys 2014 11 August, 2014 12
Key benefits:
• Reduced # of systems from 5 to 1
• Significant efficiency improvements
– no need to re-key customer information
– quicker response to customers’ loan
requests (allowing higher loan capture rates)
– improvements to workflow by consolidating
activities
– interfaces with current mainframe systems
to eliminate redundant activities
• Expedite delivery of banking services
to all small business customers

13. • Combined offering creates the industry’s most comprehensive front-to-back office
commercial lending solution
– Broad asset class coverage including commercial, agricultural, real estate and small
business lending
• Expands and reinforces Misys leadership position in commercial lending
• Large addressable market opportunity
– Mid and lower tier banks seeking single systems and cloud-based solutions
– Extend CCS offering to Misys customer base as both an integrated solution and a standalone
on-premise or cloud-based offering
– Provide end-to-end solution to new mid-to-large customers
• CCS offering ripe for global expansion
Summary
13© Misys 2014 11 August, 2014

14. misys.com
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