Align fsc is an independent consulting firm staffed by financial services professionals with extensive experience. What makes them different is that they employ a market-driven approach to ensure decisions are based on marketplace perspectives, are objective in recommendations as they hold no interest in downstream services, and team members bring diverse skills. On average, professionals have 20 years of industry experience and the firm prides itself on nurturing long-term client relationships.

4. C o m p a n y O v e r v i e w

5. About Align fsc
Confidential & Proprietary. ©2010 Align fsc, Inc. 2

6. About Align fsc
Align fsc is an independent consulting firm staffed by a team of
professionals, each with extensive experience working for and with major
financial institutions.
Confidential & Proprietary. ©2010 Align fsc, Inc. 2

7. About Align fsc
What makes us different is that Align fsc…
Confidential & Proprietary. ©2010 Align fsc, Inc. 3

8. About Align fsc
What makes us different is that Align fsc…
"...employs a market-driven approach, to ensure decision-making is
based on marketplace perspectives.”
Confidential & Proprietary. ©2010 Align fsc, Inc. 3

9. About Align fsc
What makes us different is that Align fsc…
"...employs a market-driven approach, to ensure decision-making is
based on marketplace perspectives.”
"...is completely objective in tactical recommendations, as the firm holds
no vested interest in downstream implementation of services such as
training or IT solutions.”
Confidential & Proprietary. ©2010 Align fsc, Inc. 3

10. About Align fsc
What makes us different is that Align fsc…
"...employs a market-driven approach, to ensure decision-making is
based on marketplace perspectives.”
"...is completely objective in tactical recommendations, as the firm holds
no vested interest in downstream implementation of services such as
training or IT solutions.”
"...team members bring a broad diverse set of skills to the table that
cover all the key aspects of our business.”
Confidential & Proprietary. ©2010 Align fsc, Inc. 3

11. About Align fsc
What makes us different is that Align fsc…
"...employs a market-driven approach, to ensure decision-making is
based on marketplace perspectives.”
"...is completely objective in tactical recommendations, as the firm holds
no vested interest in downstream implementation of services such as
training or IT solutions.”
"...team members bring a broad diverse set of skills to the table that
cover all the key aspects of our business.”
"...is uniquely experienced. The firm's professionals have successfully
launched, positioned and repositioned dozens of financial services
companies, across consumer and commercial banking products, payment
systems, and international markets.”
Confidential & Proprietary. ©2010 Align fsc, Inc. 3

12. About Align fsc
What makes us different is that Align fsc…
"...employs a market-driven approach, to ensure decision-making is
based on marketplace perspectives.”
"...is completely objective in tactical recommendations, as the firm holds
no vested interest in downstream implementation of services such as
training or IT solutions.”
"...team members bring a broad diverse set of skills to the table that
cover all the key aspects of our business.”
"...is uniquely experienced. The firm's professionals have successfully
launched, positioned and repositioned dozens of financial services
companies, across consumer and commercial banking products, payment
systems, and international markets.”
"...uses a collaborative approach that streamlines project timelines,
facilitates internal buy-in and results in skills transference.”
Confidential & Proprietary. ©2010 Align fsc, Inc. 3

13. Our Work
Confidential & Proprietary. ©2010 Align fsc, Inc. 4

14. Our Work
We assist financial institution executives assess their opportunities, focus
resources, and align their people to optimize results.
Confidential & Proprietary. ©2010 Align fsc, Inc. 4

15. Our Work
We assist financial institution executives assess their opportunities, focus
resources, and align their people to optimize results.
Confidential & Proprietary. ©2010 Align fsc, Inc. 4

16. Market-Driven Principles Set the Stage
Our work is guided by a set of market-driven principles, striking the
appropriate balance between addressing customer needs and profitability,
to build stronger brands and stronger businesses.
Confidential & Proprietary. ©2010 Align fsc, Inc. 5

17. Our Services
Confidential & Proprietary. ©2010 Align fsc, Inc. 6

18. Our Services
Our engagements range from complete business line assessments to
helping clients address a singular, pressing need.
Confidential & Proprietary. ©2010 Align fsc, Inc. 6

19. Our Services
Our engagements range from complete business line assessments to
helping clients address a singular, pressing need.
Confidential & Proprietary. ©2010 Align fsc, Inc. 6

20. How We Work
Confidential & Proprietary. ©2010 Align fsc, Inc. 7

21. How We Work
We work in teams with our clients to create solutions that unify the
organization and establish an agreed upon direction.
Confidential & Proprietary. ©2010 Align fsc, Inc. 7

22. How We Work
We work in teams with our clients to create solutions that unify the
organization and establish an agreed upon direction.
!"#$%&'())*+#,"'
Phase 2 Phase 3
Phase I Strategic Business Plan Execution Support
Current Assessment
Model alternative initiatives and
Identify the major gaps between
develop a strategic framework &
the bank’s current capabilities and
plan to attain the organization’s
its goals and objectives.
goals.
Confidential & Proprietary. ©2010 Align fsc, Inc. 7

23. How We Work
We work in teams with our clients to create solutions that unify the
organization and establish an agreed upon direction.
!"#$%&'())*+#,"'
Phase 2 Phase 3
Phase I Strategic Business Plan Execution Support
Current Assessment
Model alternative initiatives and
Identify the major gaps between
develop a strategic framework &
the bank’s current capabilities and
plan to attain the organization’s
its goals and objectives.
goals.
!"#$%&'(()*'+),-.%)//+')&"%'0.+$%1"+..%#2/'+1)31%*.3.41$5%
!! "#$%&'()*'+%,&%-$.$('/$-%0'%1$$0%0#$%'234+,54*'+6&%&/$7,87%2$9),2$1$+0&:%&'%;')%74+%<$%
7'+8-$+0%0#$%2$7'11$+-4*'+&%74+%<$%$=$7*.$(;%,1/($1$+0$->%
!! "#$%/2'7$&&%,&%&02$41(,+$-:%4(('?,+3%-$7,&,'+&%0'%<$%14-$%,+%2$4(%*1$>%
!! @A,((&%024+&B$2$+7$%'77)2&%-)2,+3%0#$%$+343$1$+0%4&%4%+40)24(%')032'?0#%'B%0#$%/2'C$70>%
Confidential & Proprietary. ©2010 Align fsc, Inc. 7

24. Our Team
On average, our
professionals have 20
years experience
working in the
financial services
industry.
Confidential & Proprietary. ©2010 Align fsc, Inc.
8

25. Our Team
Align fsc professionals have broad
experience working with banks, credit
unions, payment companies and industry
service providers.
On average, our
professionals have 20
years experience
working in the
financial services
industry.
Confidential & Proprietary. ©2010 Align fsc, Inc.
8

26. Our Team
Align fsc professionals have broad
experience working with banks, credit
unions, payment companies and industry
service providers.
This depth of experience combined with
innovative and collaborative thinking
enables us to bring highly valued
perspectives to our clients in helping them
to build profitable business strategies.
On average, our
professionals have 20
years experience
working in the
financial services
industry.
Confidential & Proprietary. ©2010 Align fsc, Inc.
8

27. Our Team
Align fsc professionals have broad
experience working with banks, credit
unions, payment companies and industry
service providers.
This depth of experience combined with
innovative and collaborative thinking
enables us to bring highly valued
perspectives to our clients in helping them
to build profitable business strategies.
On average, our
professionals have 20 Our people blend the best skills of
years experience contemporary strategic advisors and
working in the seasoned financial services executives.
financial services
industry.
Confidential & Proprietary. ©2010 Align fsc, Inc.
8

28. Our Engagements
Confidential & Proprietary. ©2010 Align fsc, Inc.
9

29. Our Engagements
Great Relationships Nurtured Over Time
Confidential & Proprietary. ©2010 Align fsc, Inc.
9

30. Our Engagements
Great Relationships Nurtured Over Time
!"#$%"&'(#)*+%,#%)*-#)*+.%/"#$%
,"*0(-#)*+%,#%123)'%&0'&.%/"#$%"&,*(+%
4*)5()'%,#%&+&1,"#)(1%6*7$&),%878,&$8.%
#2"%1+(&),89%8211&88%*)0%"&+*-#)8:(68%
1#)-)2&%,#%0&;)&%#2"%8211&88<%
=2"%6"#/&88(#)*+%,&*$98%8248,*)-*+%
6#">#+(#%()%,:&%;)*)1(*+%8&"?(1&8%
()028,"7%(8%&):*)1&0%47%#2"%@#"5%()%*%
?*"(&,7%#/%#,:&"%;&+08<%
A2,%)#%$*B&"%#2"%1+(&),89%0(C&"&)1&8.%
,:&7%:#+0%()%1#$$#)%,:&8&%,"*(,8D%,:&7%
5)#@%,:&("%428()&88.%0&$*)0%E2*+(,7%
*)0%6+*1&%*%:(':%?*+2&%#)%+#)'F,&"$%
"&+*-#)8:(68<%
G&%0#%,##<%
Confidential & Proprietary. ©2010 Align fsc, Inc.
9

31. Our Engagements
Great Relationships Nurtured Over Time
!"#$%&'($)$%*'
!"#$%"&'(#)*+%,#%)*-#)*+.%/"#$% !! "#$%&'(&)*+,-.#&
!! "#$.'&/'012#,3&45)5&
,"*0(-#)*+%,#%123)'%&0'&.%/"#$%"&,*(+% !! 67#8+&
!! 6-9:#$%&
4*)5()'%,#%&+&1,"#)(1%6*7$&),%878,&$8.% !! ;#.7'<-#&
!! "#$%&"'8='$&
#2"%1+(&),89%8211&88%*)0%"&+*-#)8:(68% !! "#,$+>&"#$%8&
!! 6#2&?+@&
1#)-)2&%,#%0&;)&%#2"%8211&88<% !! 6#=7#A&"#$%&
!! 67+*-.#2&"#$%&
!! 6'**+,.+&:#$%&
=2"%6"#/&88(#)*+%,&*$98%8248,*)-*+% !! B+0'8-=&C1#,#$=A&
!! DD6E&&
6#">#+(#%()%,:&%;)*)1(*+%8&"?(1&8% !! ?-,8=&)=2#$=#&&
!! "#$%&"'8='$&&
()028,"7%(8%&):*)1&0%47%#2"%@#"5%()%*% !! ?2++=&"#$%&&
!! C-,#,@&"#$%&&
?*"(&,7%#/%#,:&"%;&+08<% !! F+22'$&"#$%&&
!! F-@2#$9.&"#$%&&
!! 4#9'$#2&6-=A&"#$%&&
!! G$+&H#22+A&"#$%&
A2,%)#%$*B&"%#2"%1+(&),89%0(C&"&)1&8.% !! /46&&
!! /,1@+$9#2&"#$%&&
,:&7%:#+0%()%1#$$#)%,:&8&%,"*(,8D%,:&7% !! I+.1,-=A&?-,8=&4+=J',%&"#$%&&
!! KD)F&"#$%&&
5)#@%,:&("%428()&88.%0&$*)0%E2*+(,7% !! E$-=+@&"#$%&&
!! E$-=+@&L+,8+A&"#$%&&
*)0%6+*1&%*%:(':%?*+2&%#)%+#)'F,&"$% !! /,'<-@+$=&"#$%&&
!! C1#,#$=A&"#$%&&
"&+*-#)8:(68<% !! H#22+A&"#$%&&
!! "#$%&M$@+0+$@+$=&
!! )=2#$9.&6'#8=&"#$%&&
!! GN#1%++&"#$%&&
G&%0#%,##<% !! /4"&O&6',+I=#=+8'
Confidential & Proprietary. ©2010 Align fsc, Inc.
9

32. Our Engagements
Great Relationships Nurtured Over Time
!"#$%&'($)$%*'
!"#$%"&'(#)*+%,#%)*-#)*+.%/"#$% !! "#$%&'(&)*+,-.#&
!! "#$.'&/'012#,3&45)5&
,"*0(-#)*+%,#%123)'%&0'&.%/"#$%"&,*(+% !! 67#8+&
!! 6-9:#$%& !"#$%"&'("&)*
4*)5()'%,#%&+&1,"#)(1%6*7$&),%878,&$8.% !! ;#.7'<-#& !! "#$%&'()'*#+,%,#'-./0)$1$#2'
#2"%1+(&),89%8211&88%*)0%"&+*-#)8:(68% !! "#$%&"'8='$& !! "#$%&'3&45+#/'-35)/6&'7,%&2'
!! "#,$+>&"#$%8& !! "#$%&'3&45+#/'8&9,$,%#$&'
!! 6#2&?+@&
1#)-)2&%,#%0&;)&%#2"%8211&88<% !! 6#=7#A&"#$%&
!! :#$#(#';/5<6'-:#$#(#2''
!! =%&1#>#$?'-:#$#(#2''
!! 67+*-.#2&"#$%&
!! 6'**+,.+&:#$%&
!! @$,>#$%&'-"/#A,+2''
!! B,$,$C)<6'-"/#A,+2''
=2"%6"#/&88(#)*+%,&*$98%8248,*)-*+% !! B+0'8-=&C1#,#$=A&
!! DD6E&&
6#">#+(#%()%,:&%;)*)1(*+%8&"?(1&8% !! ?-,8=&)=2#$=#&&
!! "#$%&"'8='$&&
()028,"7%(8%&):*)1&0%47%#2"%@#"5%()%*% !! ?2++=&"#$%&&
!! C-,#,@&"#$%&&
?*"(&,7%#/%#,:&"%;&+08<% !! F+22'$&"#$%&&
!! F-@2#$9.&"#$%&&
!! 4#9'$#2&6-=A&"#$%&&
!! G$+&H#22+A&"#$%&
A2,%)#%$*B&"%#2"%1+(&),89%0(C&"&)1&8.% !! /46&&
!! /,1@+$9#2&"#$%&&
,:&7%:#+0%()%1#$$#)%,:&8&%,"*(,8D%,:&7% !! I+.1,-=A&?-,8=&4+=J',%&"#$%&&
!! KD)F&"#$%&&
5)#@%,:&("%428()&88.%0&$*)0%E2*+(,7% !! E$-=+@&"#$%&&
!! E$-=+@&L+,8+A&"#$%&&
*)0%6+*1&%*%:(':%?*+2&%#)%+#)'F,&"$% !! /,'<-@+$=&"#$%&&
!! C1#,#$=A&"#$%&&
"&+*-#)8:(68<% !! H#22+A&"#$%&&
!! "#$%&M$@+0+$@+$=&
!! )=2#$9.&6'#8=&"#$%&&
!! GN#1%++&"#$%&&
G&%0#%,##<% !! /4"&O&6',+I=#=+8'
Confidential & Proprietary. ©2010 Align fsc, Inc.
9

33. Our Engagements
Great Relationships Nurtured Over Time
!"#$%&'($)$%*'
!"#$%"&'(#)*+%,#%)*-#)*+.%/"#$% !! "#$%&'(&)*+,-.#&
!! "#$.'&/'012#,3&45)5&
,"*0(-#)*+%,#%123)'%&0'&.%/"#$%"&,*(+% !! 67#8+&
!! 6-9:#$%& !"#$%"&'("&)*
4*)5()'%,#%&+&1,"#)(1%6*7$&),%878,&$8.% !! ;#.7'<-#& !! "#$%&'()'*#+,%,#'-./0)$1$#2'
#2"%1+(&),89%8211&88%*)0%"&+*-#)8:(68% !! "#$%&"'8='$& !! "#$%&'3&45+#/'-35)/6&'7,%&2'
!! "#,$+>&"#$%8& !! "#$%&'3&45+#/'8&9,$,%#$&'
!! 6#2&?+@&
1#)-)2&%,#%0&;)&%#2"%8211&88<% !! 6#=7#A&"#$%&
!! :#$#(#';/5<6'-:#$#(#2''
!! =%&1#>#$?'-:#$#(#2''
!! 67+*-.#2&"#$%&
!! 6'**+,.+&:#$%&
!! @$,>#$%&'-"/#A,+2''
!! B,$,$C)<6'-"/#A,+2''
=2"%6"#/&88(#)*+%,&*$98%8248,*)-*+% !! B+0'8-=&C1#,#$=A&
!! DD6E&&
6#">#+(#%()%,:&%;)*)1(*+%8&"?(1&8% !! ?-,8=&)=2#$=#&&
!! "#$%&"'8='$&&
()028,"7%(8%&):*)1&0%47%#2"%@#"5%()%*% !! ?2++=&"#$%&& !"#$%&
!! C-,#,@&"#$%&& !! "#$%&'()*+,-%$..**
?*"(&,7%#/%#,:&"%;&+08<% !! F+22'$&"#$%&& !! /$0012345*
!! F-@2#$9.&"#$%&&
!! 62#-36%$7&4*
!! 4#9'$#2&6-=A&"#$%&&
!! 689"*
!! G$+&H#22+A&"#$%&
!! :2#$*;&)()'&(0*9$4<2%=*
A2,%)#%$*B&"%#2"%1+(&),89%0(C&"&)1&8.% !! /46&&
!! /,1@+$9#2&"#$%&& !! :>9>?*
,:&7%:#+0%()%1#$$#)%,:&8&%,"*(,8D%,:&7% !! I+.1,-=A&?-,8=&4+=J',%&"#$%&& !! 9$<*@2%=*AB"C9@6B"*
!! KD)F&"#$%&& !! 9D6*
5)#@%,:&("%428()&88.%0&$*)0%E2*+(,7% !! E$-=+@&"#$%&& !! EF1"*81"*
!! E$-=+@&L+,8+A&"#$%&& !! E&4(0*D%2'$..&)G*1H.4$#.*
*)0%6+*1&%*%:(':%?*+2&%#)%+#)'F,&"$% !! /,'<-@+$=&"#$%&& !! /D*
!! C1#,#$=A&"#$%&& !! ;2%7*A242%*
"&+*-#)8:(68<% !! H#22+A&"#$%&&
!! +D1*
!! "#$%&M$@+0+$@+$=&
!! )=2#$9.&6'#8=&"#$%&&
!! GN#1%++&"#$%&&
G&%0#%,##<% !! /4"&O&6',+I=#=+8'
Confidential & Proprietary. ©2010 Align fsc, Inc.
9

34. Key Management Issues
Confidential & Proprietary. ©2010 Align fsc, Inc.
10

35. Key Management Issues
Do you understand your current position &
growth opportunities?
Confidential & Proprietary. ©2010 Align fsc, Inc.
10

36. Key Management Issues
Do you understand your current position &
growth opportunities?
Do you have a strategy that aligns your team and
establishes an agreed upon direction for the way
ahead?
Confidential & Proprietary. ©2010 Align fsc, Inc.
10

37. Key Management Issues
Do you understand your current position &
growth opportunities?
Do you have a strategy that aligns your team and
establishes an agreed upon direction for the way
ahead?
Do you have the resources you need to quickly
address the issues and opportunities facing your
organization today?
Confidential & Proprietary. ©2010 Align fsc, Inc.
10

38. 11

39. 11

40. 11

41. !"#$%&'("#)"*+,+-./0&+,+12$/03."+4+5$&06'&+
11