<center>Adds new payment and presentment solutions while enhancing commitment to online banking</center>

<center>Universal Online Banker recognized for best in class usability</center>

<center>Fully-automated solution addresses complex regulatory demands</center>

<center>Union Bank of India Receives Top Award for Empowering India's Visually Impaired</center>

<center>Enhanced solution developed in collaboration with customers helps to improve efficiency</center>

<center>New solution offers increased efficiencies and cost-savings</center>

<center>Expansion of BASE24 and Addition of Fraud Monitoring and Payment Testing Key Elements of Bank&#8217;s Infrastructure Upgrade</center>

<center>More than 20 percent of Cardholders Stop Using or Switched Cards after Experiencing Fraud</center>

<center>Innovative packaging options and opportunities for new revenue streams provide competitive advantage for financial institutions</center>