#1personetics SELF DRIVING FINANCE AUTONOMOUS FINANCE Briefing for SEC (R) November 2021#2Incorporated in 2011 Privately held; Backed by Viola Ventures, Sequoia Capital, Lightspeed Ventures, Nyca Partners & Warburg Pincus PE Offices: Tel Aviv, New York, London, Singapore, Tokyo, Sydney # of Fls: -70 # of employees: ~250 HT VENTURES KPMG FINTECH 100 FROST & SULLIVAN 2019 Silver at RACE TO THE TOP 2019 FinTechVisor BEST PRACTICES AWARD Personetics at a glance Personetics is the global leader in data driven personalization and customer engagement in Financial Services ▪ We strive to actualize a world of Self-Driving Finance where Fls proactively act on behalf of their customers to deepen relationships We partner with Financial Institutions to re-invent value delivery by integrating automated intelligence to every customer interaction, driving significant business impact personetics SELF DRIVING FINANCE Ⓡ#3Personetics serves some of the most digital progressive national, regional, and community banks globally Working with 6 of the top 12 banks in the NA/EU RBC RBC Royal Bank usbank INTESA SANPAOLO 100MM+ Serving over 100 million customers worldwide Huntington AKBANK ETRO BANK BMOM ISRACARD AXA BANQUE BANCA TRANSILVANIAⓇ BT 48B+ Customer transactions analyzed UOB ISRAEL DISCOUNT BANK BNP PARIBAS 8B+ Personalized customer interactions Banamex Openbank C 4.5+ Star customer rating cíti ally Hyundai Card MyState bank hapoalim Santander WELLS FARGO TVRW MA FRENCH BANK alon personetics SELF DRIVING FINANCE Ⓡ#4Customers seek support to accomplish "jobs to be done" Jobs to be Done Pay down debt Achieve a goal Establish emergency savings (5) Save for taxes Customer oko $ Manage spending $ Kon Make a big purchase Grow wealth Save for Retirement personetics SELF DRIVING FINANCE Ⓡ#5Increased competition to meet needs Jobs to be Done Trillion Dollar Nationals Bank of America. CHASE Wealth & Insurance Fidelity Prudential Morgan Stanley charles SCHWAB Pay down debt Achieve a goal Establish emergency savings (0) Customer Save for taxes oko $ Manage spending $ Kon Grow wealth Save for Retirement Make a big purchase Open Banking -> Open Finance Neobanks, fintechs chime Revolut SoFi Marcus: by Goldman Sachs Retailers and Big Tech PayPal G €2. Alibaba amazon pay personetics SELF DRIVING FINANCE Ⓡ#6Open Finance creates transparency and ease of data sharing Jobs to be Done Trillion Dollar Nationals Bank of America. CHASE Wealth & Insurance Fidelity Prudential Morgan Stanley charles SCHWAB Pay down debt Achieve a goal Establish emergency savings (0) Customer Save for taxes oko $ Manage spending $ Kon Grow wealth Save for Retirement Make a big purchase Open Banking -> Open Finance Neobanks, fintechs chime Revolut SoFi Marcus: by Goldman Sachs Retailers and Big Tech PayPal G €2. Alibaba amazon pay personetics SELF DRIVING FINANCE Ⓡ#7Open Banking Regulatory and Market driven models exist globally, and hold clues to the evolution of NA market Government Mandated UK, India, South Korea, Australia, Brazil ■ ■ ■ Source: McKinsey & Co; Personetics Findings UK Learnings Regulatory impact: GDPR & PSD2 Ability to view data and ability to interact (e.g. move money) Willingness to share data doubled when value is evident 50% of SMBs using some form of Open Banking I I Brazil Learnings Q1: Open Finance - cards, investments Impacting both banks and broader FI's Ability to Interact with Money (money movement) personetics" SELF DRIVING FINANCE#8Today the burden of decision making and action is left to consumers Watch your money grow with Auto Savings You decide how much and how often you want to save. With Auto Savings, transfers will occur from your checking to your savings or money market account - automatically, eliminating much of the discipline of saving money. With Auto Savings, you can even avoid the monthly service charge for your Standard Savings[¹] Automatic transfers Grow your savings with transfers from your checking into your savings at the amount and frequency you choose. Direct deposit Have a portion of your paycheck deposited directly into your savings account. Keep the Change® Use your Bank of America® debit card and we'll round up purchases to the nearest dollar and deposit the change into your savings account. 1 How to set-up Auto Savings Sign on to Online Banking and follow these 3 simple steps. 1. Select Transfer Funds from the top navigation. 2. Then, Select Between My PNC Accounts. 3. Select accounts, frequency and amount to set up the transfer between your PNC Checking and PNC Savings accounts. personetics® SELF DRIVING FINANCE#9What is autonomous finance? "Algorithm-driven services that make financial decisions and take actions on a customer's behalf リリ Source: Forrester personetics SELF DRIVING FINANCE Ⓡ#10Customer segments have different needs and expectations when it comes to Autonomous finance MASS MARKET Financial Education Build emergency savings Manage debt MASS AFFLUENT P Save for a goal Accelerate debt paydown Maximizing retirement contributions ▪ Achieve long term financial goals AFFLUENT - Automated intelligence to advisors ▪ Minimize low interest money to manage expenses personetics SELF DRIVING FINANCE Ⓡ#11Trajectory of Autonomous Finance SPOTIFY POB35F88F8 STOCKHOLM SE 08/22/2020*2442 Creative cloud 08/10/2020*2442 DELIVEROO.COM.SG 08/08/2020 | *2442 Asana A avana 08/01/2020*2442 單 -$9.99 > Monthly -$12.99 Annual -$10.99 > Monthly -$30.99 Semi-Annual Data What's happened? SPENDING TODAY Looks like you spent a little more on Dining this month. SAVINGS TODAY Ka-ching! Your salary is credited already. Insights & Advice What's important? What should I do? Connected Channels Unified Advice MAXIMIZE YOUR MONEY Save part of your recent deposit. Based on your activity, our Savings Analyzer predicts you can save $200. Cilt Autonomous Do it for me! Auto-Savings Auto-Savings Maximiss your savings and reach your goals faster with Auto-Savings! What we do Read mom shout Auto-Savi We get in know your transaction patterns and find the dollare vo think un Cancel Next personetics® SELF DRIVING FINANCE#12L1 Derived customer intelligence based on financial activity Enrichment Level L3 L2 EXTERNAL FI RELATIONSHIPS BASIC ENRICHMENT HISTORY BASED ENRICHMENT Refinanced mortgage Projected low balance events twice in last 3 months Stable income of $20K monthly from 2 sources Insurance: Chubb Mortgage: Bank of America Income Sources: Accenture & NJ Seaside Condominium Transaction categorization across Investment & bank accounts personetics SELF DRIVING FINANCE#13• DEC 22 Deposit Delay Personalized Insights to stay on top of your banking & investments It seems that a payment from AIG annuity pmt hasn't been deposited 01/03 Dividend Deposit On 01.01.2021, a dividend from Pfizer, Inc was deposited into your account 01.01.2021 Dividend Date Pazor $910.22 Dividend Amount ● 01/03 Portfolio Currency Fluctuations The value of foreign currency held holdings has reached 26% of total portfolio's value during this month July June May • DEC 22 Green your Portfolio Diversify your portfolio with our green bands affering EXEL ↓2.1% Portfolio Decrease On 01.02.2021, the value of your partallo by 11 JUN 2020 Refinance Your Mortgage Get excellent rates on your current payment. Click below to set you meeting with out experts VENT Vne 01/03 Upcoming Bond Coupon On 02.01.2021, you are expected to receive a coupon payment from HKSAR bond 02.01.2021 Coupon Date 100005 JOPENG 41100 seanss $641. 11 Expected Payment personetics SELF DRIVING FINANCE Ⓡ#14և PI Dynamics 365 + NEW Summary DEACTIVATE Account Name" Phone ACCOUNT INFORMATION Account Number Fax ACCOUNT - Daniel Loeb Website Parent Account Ticker Symbol Relationship Type Product Price List. ADDRESS Active Connected Channels: Unified Advice across channels Aydin Sokak No:1101 Levent 12345 Istanbul Turkey CONNECT Service Daniel Loeb BAKBJYGF +90-211-001-1234 ADD TO MARKETING LIST +90-211-001-1234 Accounts > Daniel Loeb > WHIK http://www.wideworldimporters.com RELATIONSHIP MANAGER ASSIGN GO EMAIL LINK X DELETE FORM personaticsControl PROCESS - WANGE Investment Opportunity Recommend your client invest part of his or her recent $5,000 deposit Paycheck Deposits The client's paychers have been deposited IND SEP02 OCT02 NOV02 DECOZ JA AND Account Activity Sur Here are the details of the c during December Annual R $30,000 -JANDS Tax efficient savings There's a potential tax benefit your client can take advantage of on this account Easier Savings Transfers A manual transfer of 522.02 was made to the cheats savings account on 12/20/2018 TO Investment Opportunity Mr. Loeb likely has at least $7,141 to invest Taking into consideration expected activity and known assets, these funds could safely be put aside. $7,141 One-Time Spare amount Y $254 $2,140 Monthly Spare Net Cash Flow amount Now is the most secure time to make a large investment. The balance in Account 1002 is usually highest on the 4th of the month Open an Investment Account How helpful was this insight? Description Aaron, call me back so we can discuss your estate planning Cancel 8 + X Admin + m Create Action CUSTOMER VANILLA BANK INBOX • JAN 03 Estate Planning Schedule a call with your advisor to discuss estate planning JAN 03 New Investment Approach Given your recent financial success, consider a guided investment account • JAN 03 Keep it up! Your new 529 Education Savings account is growing. Today's a chance to boost it more.. X personetics SELF DRIVING FINANCE#15և PI $ Connected Channel: Promote Intelligence to Digital + Advisor Recognize Customer Need Increased income deposits Purchasing at Baby Store Excess cash liquidity ▪ ▪ Advisor channel propensity Po Digital Channel Learn about 529 options; Save for a goal such as child's education Set appointment to review portfolio with an advisor Relationship Manager Channel Informed outreach with free Financial Checkup. Help customer set up an automated save/invest for baby's education. Customer Data Platform Marketing campaigns informed by life stage personetics SELF DRIVING FINANCE#16TLF Automated programs to meet different customer needs Manage Debt Pay down high interest. outstanding debt to create borrowing power $ Pay Yourself First Safely save available income into Savings/ Investment accounts $ $ $ Grow Investments Allocate funds into long term tax advantaged or automated advisory accounts Save for Quarterly Taxes (SMB) Automatic savings directed to state and federal taxes Automated Top-Up to Avert Low Balance Automated transfers for multi- relationship clients S Smart Budgets Reduce monthly spending by creating budgets and guidance to stick to them Automated Saving Identify and transfer small amounts of money to a single savings account personetics SELF DRIVING FINANCE Ⓡ#17$14 Intelligent transfers to Begin Investing usbank Smart investing Introducing smart investing Our free, automated solution can help you invest even more. Here's how it works: QWe find small amounts of money in your checking account to safely put aside. (Don't worry - we'll never make a transfer that could cause an overdraft.) We'll automatically make transfers to your Automated Investor account. TO That's it! Automated Investor continues to do the rest. And you can pause or stop at any time. Your investing potential looks great! We've analyzed your historical and upcoming spending patterns and are confident that you can transfer an average of $200 per month to your Automated Investor account. TRANSFER FROM Checking ...2345 ($1,997) Automated Investor ($10,000) Get started Read FAQ Smart investing Nice job! Let's review your smart investing plan: TRANSFER FROM Checking...XXXX Available balance SX,XXX.XX TRANSFER TO Automated Investor...XXXX Available balance SX,XXX.XX TARGET BALANCE SX,XXX.XX ESTIMATED MONTHLY AMOUNT SXXX Note: Transfers will continue after Target Balance has been reached. You can pause or stop transfers at any time. Start investing Read FAQ Cancel = You're all set! View and track transfers on your dashboard, and you'll receive notifications like the one below. 9:41 Smart investing TODAY Welcome back. all + You can also pause or stop transfers at any time - just tap the savings progress card on your dashboard. Return to dashboard personetics SELF DRIVING FINANCE Ⓡ#18$14 9:39 Close Surprise Savings saves on behalf of customers with internal/external source account Your Surprise Savings What is Surprise Savings? Checking Account Online Savings Account What is Surprise Savings? 0:49 We'll analyze checking accounts you add for us to track, and transfer money when it could work harder in your savings. See how it works Track a Checking Account ally A Www Tranfone 3 De Stements and To Forme Deport Spo Online Savings Account Edi Hide A Account Deta Ancon Wala $130 pex Orgaine Cadas Cao Swinge 8 Vallas NCION Open Actu strik S FUNM Surprise Swings $978.00 savdo for ingrana her Wides SAMS H177-247-255 We here 247 Vive I COALANKT Fardly Sehga T ww 0 Source: Financial Brand February 13, 2020 + Ally Website (https://www.ally.com/) Procleant Settings Log Out Katherios y l HIC STYTO $102.15 MAPOROTACY eller Hane 11AWW View gwrthroakim 5222 2562 what the hala rsnesmal Ayat 2005 townicy +351 Qu40% (8 Sulleys Upcoming Transactions What's this? DATE You don't currently have any upcoming transactions. Transaction History DATE Sep 10, 2020 Sep 02, 2020 Aug 31, 2020 Aug 26, 2020 Aug 19, 2020 Aug 17.2020 Aug 12, 2020 Aug 10, 2020 Aug 05, 2020 Jul 29, 2020 Jul 17, 2020 Jul 15, 2020 Jul 10, 2020 Jul 10, 2020 Jul 08, 2020 DESCRIPTION Jul 01, 2020 DESCRIPTION Interest Paid Surprise Savings Booster Transfer from XXXXXXXX5150 BETHPAGE FEDERAL CREDIT UNION ally Surprise Savings Booster Transfer from XXXXXX5150 BETHPAGE FEDERAL CREDIT UNION Surprise Savings Booster Transfer from X00000X5150 BETHPAGE FEDERAL CREDIT UNION Surprise Savings Booster Transfer from XXXXXX5150 BETHPAGE FEDERAL CREDIT UNION Surprise Savings Booster Transfer from X0000XX5 150 BETHPAGE FEDERAL CREDIT UNION Surprise Savings Booster Transfer from XXXXXXXXS150 BETHPAGE FEDERAL CREDIT UNION Interest Paid Surprise Savings Booster Transfer from X000005 150 BETHPAGE FEDERAL CREDIT UNION Surprise Savings Booster Transfer from X00000X5150 BETHPAGE FEDERAL CREDIT UNION Surprise Savings Booster Transfer from XXXXXXXX5 150 BETHPAGE FEDERAL CREDIT UNION Surprise Savings Booster Transfer from XXXXXXXX5150 BETHPAGE FEDERAL CREDIT UNION Interest Paid Surprise Savings Booster Transfer from XXXXXX5150 BETHPAGE FEDERAL CREDIT UNION Surprise Savings Booster Transfer from X0000X5150 BETHPAGE FEDERAL CREDIT UNION Surprise Savings Booster Transfer from XXXXXX5150 BETHPAGE FEDERAL CREDIT UNION 'or edit these tran: MOUNT MOUNT $4.54 $50.00 $48.00 $34.00 $30.33 $35.00 $50.00 $22.89 $50.00 $26.24 $15.05 $27.00 $20.08 $29.00 $28.00 $50.00 personetics SELF DRIVING FINANCE