Misys acquires Custom Credit Systems (CCS) to create the industry's most comprehensive front-to-back office commercial lending solution. The acquisition expands Misys' leadership position by combining CCS's loan origination capabilities with Misys' FusionBanking Loan IQ back office processing. It also extends Misys' reach into the mid and lower tier banking market by providing an easy to implement, cloud-based lending workflow from origination to servicing.

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

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