A bank is seeking competitive assessments and pricing proposals from Fiserv for core processing and online banking services over the next 5 years, assuming account growth of 5-7% annually. The AI is asked to provide: 1) A competitive analysis comparing Fiserv Premier and DNA solutions for the bank based on similar sized institutions. 2) A 5-year processing expense budget projecting costs with the anticipated account growth. 3) A draft Fiserv master agreement incorporating previously accepted terms and best pricing.

1. NEGOTIATING CORE &
FINTECH CONTRACTS
WITH
ARTIFICIAL INTELLIGENCE

2. I am $1.5 Billion dollar asset bank in Atlanta, Georgia that currently has a contract relationship with FIS
until January 2026 - we spend about $110,000 per month. We are converting to Fiserv and we would like
the same basic services (as with FIS) including account processing, item processing, internet banking, bill
payment and EFT services. We have approximately 25,000 active accounts; 18,000 online banking
accounts and a small trust department.
Given current market rates found in surrounding states at other banks of similar size, can you detail for
me two competitive assessments of Fiserv Premier vs Fiserv DNA along with a processing expense
budget for the next 5 years assuming we will grow by approximately 5-7% per year.
Can you also write a draft Fiserv master agreement based on previously known accepted terms,
conditions and best pricing?

3. I am $1.5 Billion dollar asset bank in Atlanta, Georgia that currently has a contract relationship with FIS
until January 2026 - we spend about $110,000 per month. We are converting to Fiserv and we would like
the same basic services (as with FIS) including account processing, item processing, internet banking, bill
payment and EFT services. We have approximately 25,000 active accounts; 18,000 online banking
accounts and a small trust department.
Given current market rates found in surrounding states at other banks of similar size, can you detail for
me two competitive assessments of Fiserv Premier vs Fiserv DNA along with a processing expense
budget for the next 5 years assuming we will grow by approximately 5-7% per year.
Can you also write a draft Fiserv master agreement based on previously known accepted terms,
conditions and best pricing?
Sure...happy to help.
I’ve sent a spreadsheet with the competitive analysis and a draft Fiserv master agreement for review to your
email inbox, Aaron.
Let me know if I can help you with anything else.

4. 10 MONTHS SINCE
PUBLIC RELEASE
OF GENERATIVE AI
November 2022

5. We are at a Strategic
Inflection Point
“Strategic Inflection points
are events that change the
way we think and act”
“They are full-scale changes in
the way business is
conducted, so that simply
adopting new technology or
fighting the competition as
you used to may be
insufficient.”
“Let’s not mince words:
A strategic inflection point
can be deadly when
unattended to.”
Andy Grove

8. Great Companies are Born During
Inflection Points

9. REMEMBER WHEN?
Here’s a PC
Here’s the Internet &
Browser
Here’s a Blank
Search Box.
What’s a
Keyword?
Wait, Why Are
you in a Data
Center?
AI Creating Everything!
Blank screen and
keyboard.
“What can I do with it?”
1991 - MSFT Windows 1.0
1994 - Netscape
1997 - E-commerce
“Great, What can I do with it?”
2001 - Google search
2006 - Facebook, YouTube,
LinkedIn
2009 - Smart phones
Machine Learning Begins
2010 - Everything an Algorithm
2012 - Everything an App
2014 - Blockchain & Crypto
2016 - Predictive AI Apps
Deep Learning Begins (Alexa, Siri)
• OpenAI releases ChatGPT
• We learn new terms GenAI, LLM’s
• Generative AI begins as computers
Learn to Master the Language of Data
January 1980
March 1990
June 2000
October 2010
November 2022

14. NVIDIA CEO Jensen Huang
Demonstrates 1 Exaflop
August 8, 2023
Moore’s Law is DEAD.

20. Given the following renewal quote for current services proposed by my online banking vendor Q2, please
compare these prices to Fair Market Value against other online banking suppliers such as Alkami, Apiture
and Digital Insight (with clients of my similar asset size, accounts and transaction volumes) and suggest
how this proposal is different line by line.
[QUOTE ATTACHED.PDF]
Use AI to Price Protect
Redacted to protect Proprietary Paladin Information
Please contact Paladin 8770746-4859 x704
info@paladin-fs.com
For more information.

21. Given the following renewal quote for current services proposed by my online banking vendor Q2, please
compare these prices to Fair Market Value against other online banking suppliers such as Alkami, Apiture
and Digital Insight (with clients of my similar asset size, accounts and transaction volumes) and suggest
how this proposal is different line by line.
[QUOTE ATTACHED.PDF]
Sure...happy to help.
The average cost per active account for other peer banks using similar Q2 services is $1.46, this is $.26 less or
17% lower than the attached proposal. This price reduces for every additional 1,000 accounts in monthly
spend with Q2 by an average of ($.18) per account.
Alkami charges 21% more than Q2 and 33% more than Digital Insight on average cost per account. An
analysis has been sent to your email inbox, Aaron.
Use AI to Price Protect
Redacted to protect Proprietary Paladin Information
Please contact Paladin 8770746-4859 x704
info@paladin-fs.com
For more information.

22. We are using FIS as our core IT supplier. Given that we find errors on our invoices regularly that take 6-10
hours per month to reconcile. There is no legal remedy or service level in our current agreement that
allows our bank to recover the cost of researching these errors internally. I estimate we spend at least
$80 per hour of internal employee time. Can you write a legal term or service level change that FIS will
accept based on known acceptable terms by FIS or their competitors.
Use AI to Write Legal Terms
Redacted to protect Proprietary Paladin Information
Please contact Paladin 8770746-4859 x704
info@paladin-fs.com
For more information.

23. We are using FIS as our core IT supplier. Given that we find errors on our invoices regularly that take 6-10
hours per month to reconcile. There is no legal remedy or service level in our current agreement that
allows our bank to recover the cost of researching these errors internally. I estimate we spend at least
$80 per hour of internal employee time. Can you write a legal term or service level change that FIS will
accept based on known acceptable terms by FIS or their competitors.
Sure...this legal term has been accepted in 178 agreements issued by FIS in the last 5 years.
Credit for Reconciliation of Invoice Errors
Should [the Bank] find billing errors, by no fault of their own, that require more than 2 hours of internal
research or support by FIS to rectify in any given month, FIS will provide [the Bank] a credit of $250 on their
next invoice. If this issue occurs more than 3 times in any rolling 6 month period, the credit will increase to
$500 per incident thereafter through the initial term of the agreement. [The Bank] shall submit in writing
their report of the incident to [support email] no later than 30 days after the occurrence of such incident. If
the incident occurs more than 10 times in any 12 month rolling period during the initial term for the same
service billing record, [the Bank] may have the right to terminate the service at no cost of termination or
conversion to a competing service with at least 90 days written notice.
Use AI to Write Legal Terms
Redacted to protect Proprietary Paladin Information
Please contact Paladin 8770746-4859 x704
info@paladin-fs.com
For more information.

24. • Paladin Total Services
• Renewal of Existing Agreements
• Selection of new Vendors
• Contingency Based (%)
Expert Negotiators
Red Carpet “All In” Approach
White Glove Service
100% Positive Reference
Over 2,000 institutions’ contracts
1,000,000+ lines of pricing data
Nearly Every supplier in the U.S.
$1 Billion in cost reduction
Protect our clients for next 5-7
years from ever making a
procurement error / selection.
Can I give bankers
data so they can
negotiate on their
own, DIY-style?
Let’s start small.
Give ‘em a taste of the
Paladin Blue Book.
How We Will Enable
The Last 16 years (since 2007)

25. 2015 2023
Designed for one-off, ancillary quotes for technology services
valued under $250,000 Total Contract Value.

26. Experts will final review
your agreement before
you sign it.
Response in less than
24 hours.
Meet Banker
Daniel

28. The Last 16 years (since 2007)
• Paladin Total Services
• Renewal of Existing Agreements
• Selection of new Vendors
• Contingency Based (%)
Expert Negotiators
Red Carpet “All In” Approach
White Glove Service
100% Positive Reference
Over 2,000 institutions’ contracts
1,000,000+ lines of pricing data
Nearly Every supplier in the U.S.
$1 Billion in cost reduction
Protect our clients for next 5-7
years from ever making a
procurement error / selection.
Can we go BIG and
give Bankers ALL the
secret sauce they
need to do a multi-
million dollar deal,
DIY-style?
How We Will Enable

29. Designed for multi-year, multi-million dollar technology deals
valued up to $50,000,000 Total Contract Value.
On-Demand Expert
Support with 6 month
buy-back guarantee

31. Can AI help me scale
more of OUR negotiating
data to the community
banking market, faster
and cheaper?
How We Will Enable

32. Large Language Model
(LLM)
250,000 negotiation
conversations with
Paladin experts.
Anonymized Massive
Knowledge Base of
Market Intelligence and
Pricing Data
Legal and compliance
standards for financial
technology contracts
accessible with ChatGPT
(or MS Co-Pilot)
Release scheduled
2025
How We Will Enable
Redacted to protect Proprietary Paladin Information
Please contact Paladin 8770746-4859 x704
info@paladin-fs.com
For more information.

33. PaladinQuoteCheck.com LoneRanger.com

34. It’s time to even the playing field.
Aaron M. Silva
President & CEO Paladin fs, LLC
asilva@paladin-fs.com
877-746-4859 x704