ACI RED SHIELD MULTILAYERED FRAUD MANAGEMENT SUPPORTING YOUR

® ACI RED SHIELD MULTI-LAYERED FRAUD MANAGEMENT, SUPPORTING YOUR BUSINESS GROWTH March 2020 CONFIDENTIAL

Merchant Fraud Prevention Requirements Optimize acceptance Support safe business expansion Reduce chargebacks Reduce operational costs CONFIDENTIAL 2

ACI Re. D Shield – Tailored to your Needs 1 Multi-layered solution combining machine learning, advanced customer profiling and rules to drive up acceptance and reduce chargebacks 2 Global customer base providing rich consortium data and fraud trend insights 3 Supported by expert risk analysts, with sector-specific expertise 4 Capacity, reliability and proven scalability to meet peak demand, support new product launches etc. 5 Robust, compliant solution delivered in the cloud for operational efficiency and ongoing innovation CONFIDENTIAL 3

Part of a Fully Integrated Secure e. Commerce Solution Integrated with a global payments gateway for a single solution to safe business expansion CHANNELS SECURE ECOMMERCE SOLUTION GLOBALLY CONNECTED NETWORK Moto m. POS HUNDREDS OF LIVE CONNECTIONS e. Commerce Browser based m. Commerce Android/IOS in app

Multi-Layered Fraud Prevention and Detection Machine Learning Profiling Pattern recognition Client-specific and sector models Enhanced detection, increased acceptance Consortium Data Rules/Features Simple accept/deny or sophisticated rulesets, tailored by product, sector, channel and country; real-time rule manager; silent rules for testing Shared global fraud intelligence for rapid response to related fraud trends Decisioning Automated decisioning; real-time and retrospective screening Supplementary Services Easy callout to specialist third-party services as required Expert Risk Analyst Business Analytics and Reporting Near-real-time and historic view for performance management and reporting Fraud strategies, risk reviews, real-time support from analysts with sector expertise Minimal technical setup, rapid go-live, managed by users through ACI’s Control Center CONFIDENTIAL 5

The Power of the Multi-Layered Approach Consortium data utilizes profiling capabilities applied across global transactional data and known fraud intelligence. 5% Business Rules 4% Email 17% 5% Velocity Address Verification Service 6% IP Geolocation Consortium data is used within a successful fraud strategy to manage false positives and rule performance 10% 18% Device ID “Multi-layered decisioning takes advantage of information that is available at or before authentication and during authorization. The use of multiple tools such as device information, geo or IP location, behavioral biometrics, and scoring using Artificial Intelligence provides a wealth of opportunities to determine the risk associated with a transaction. ” Mastercard Model 11% Consortium Data 10% Booking Behavior 14% Multi-dimensional Pattern Detection CONFIDENTIAL 6

The Power of the Multi-Layered Approach Delivering efficiency and effectiveness Machine Learning Ensuring flexibility Reducing exposure Immediate changes delivered through Rule Manager RFX alerts on fraud that was previously approved Machine learning that adapts incrementally to new fraud trends Consortium data tracks rules against emerging fraud Device fingerprint helps define transaction source Increasing control Rule performance monitored 24/7 through ACI Re. Di dashboards Data mapping and profiling to highlight key data areas of risk Pattern recognition Client specific and sector models Consortium Data Optimizing acceptance Shred global fraud intelligence for rapid response to related fraud trends Silent option allows for testing and offline monitoring Expert risk team able to advise on fraud strategies and support platform performance CSI enables visibility of linked analysis and blacklisting Enabling complex rules Deny where > 3 cards per email in 24 hours and IP country <> card country and machine learning score > 750 and card history < 3 days and email (ACI Re. D Shield) < 10 days and device = mobile and origin = LONDON CONFIDENTIAL 7

Tailored Fraud Strategies Optimized for Pin-Point Accuracy Fraud Types ACI Multi-Layered Tools Potential Retail Fraud Indicators • Account takeover Machine Learning • • Sleeper accounts Utilize intelligence and profiling from ML model technology Card Time on File < 15 days (73% of fraud) • Profiling and Reporting Loyalty Fraud (higher risk than any other event) • Name mismatch • No customer email history • Mobile (higher risk than traditional website) Retrospective Screening • Browser language inconsistency ACI consortium database alerting on new fraud intelligence • High Risk credit cards (USA, Mexico and domestic issued cards) • Multiple attempts across ACI network • Re-ticketing fraud • Velocity attacks or identity testing • Loyalty fraud Know good customer behaviour and safeguard VIP customers • Mileage fraud Direct access to intelligence 24/7 • Reseller/triangulation fraud • Click & Collect Consortium Data Leverage global good and bad data points for black/whitelisting CONFIDENTIAL 8

Platform Workflow CONFIDENTIAL 9

Latest Technology Drives NFRs and Detection Accuracy Modern architecture Container-based Cloud-ready Elasticity Ready to meet your demands Quick value delivery ACI-owned data centers CONFIDENTIAL 10

Machine Learning Capabilities Layer 1 – Machine Learning Pattern recognition, client-specific andand sector models Pattern recognition, client-specific sector models 120 years of data science experience across an eight-person team All team members with a MSc or Ph. D in a relevant discipline Over 30 publications in areas such as maths, statistics and computer science General, sectorspecific and bespoke models • 7: 1 false positive rate using sector model alone • 60% of $ fraud losses alerted Incremental learning models being patented 1, 000+ customers (Merchants and Issuers) help build domain-specific models • • Tests show new incremental models maintain performance where others degrade Over 7, 500 features available CONFIDENTIAL 11

Consortium & Profiling Data Layer 1 – Machine Learning Shared global intelligence for positive and sector negative trends – to rules, features, models and BI Pattern recognition, client-specific models 1, 000+ merchants, with strong global presence 10, 000+ fraudulent data points collected daily Positive Profiling intelligence uplifted KPIs on average by 22% in 2019 150 M+ fraud records within our consortium history Merchants across all key sectors 14. 5 M positive profiling records loaded daily 25% where ACI holds history when data is new to merchant Two years of consumer data available in near real time on our BI Platform - on entire data mapping CONFIDENTIAL 12

Our Strength in Consortium Data How our platform enables the strength of the Consortium CONFIDENTIAL 13

Rules & Decisioning Layer 1 – Machine Learning Simple accept/deny or sophisticated rule models sets tailored by product, sector, channel and country Pattern recognition, client-specifictailored and sector Rule Manager Flexible rules across all channels Feature Manager Create and manage features (complex calculations) for use in rules List Manager Create or import lists for use in rules Active / Passive Mode • Test rules before promoting them to production • Profile high risk destinations or customer data points • Control new growth channels or initiatives through offline monitoring Retrospective Screening • Up to 30 -day reduction in identifying possible frauds Supports ACI Re. D Shield fraud detection across a myriad of fraud types and events • Proactively cancel order/ perform refunds/contact passengers • Manage false positives / inefficiencies in platform CONFIDENTIAL 14

Supplementary Services Easy callout to specialist third-party services as required CONFIDENTIAL 15

Business Analytics, Reporting & Risk Services Near-real-time and historic view for performance management and reporting BI tool that provides visibility into received, gathered and generated data • For example, transaction, booking information, rule and blacklist hits We add value to this data • Multiple currency values; multiple time zone values; risk markers; code translations • Ready for immediate use in one place We add post-real-time updates to the original transactions Continuous monitoring to spot: • For example, merchant approvals/ rejections, fraud identification, chargebacks to complete the “transaction journey” • Trends; new fraud attacks; errors in strategies; profiling intelligence; review-agent training needs; silent rule performance; KPI monitoring and more CONFIDENTIAL 16

Global Hosted Risk Services – Reach and Scale Extension of your fraud team Certified e. Commerce fraud professionals 17 supported languages Hosted application, global service Based across 6 major cities Direct line of support as required 22 analysts globally No additional charges for fraud analytics London New Jersey Mumbai Singapore Analyst locations Sao Paulo Sydney Follow-the-sun support CONFIDENTIAL 17

ACI Re. D Shield – Fraud Prevention and Detection, by Design Accuracy Efficiency Growth • Pinpoints fraud by combining machine learning, predictive and behavioural analytics, positive profiling and customized rules • Optimizes accept rates to increase conversion • Allows frictionless payments to drive revenue and loyalty • Reduces losses by cutting chargebacks, false positives and manual reviews • Adapts to new channels, payment types and sales trends • Exposes emerging trends through global fraud data and intelligence • Enables customers to scale up to meet multi-channel demand • Enables safe expansion into new business areas and geographies • Connects customers to expert, results-driven risk analysts • Powers real-time and retrospective fraud screening for continuous detection • Consolidates transaction data into actionable intelligence ACI will work with each customer to ensure the solution works for their business, vertical and geography. ACI risk experts and solution consultants will work together with each customer to optimize ACI Re. D Shield performance for them. Follow the guidance, and this fraud tool will out-perform any other solution around. CONFIDENTIAL 18

Credentials CONFIDENTIAL 19

Awards & Accolades “ACI Re. D Shield helped turn a $4 M annual fraud loss into a less than $250 K annual fraud loss over the last four years. It allowed us to implement an automated fraud prevention program without having to create a manual review team and process. ” - IT Systems Analyst, Large Enterprise Food Company TVID: 379 -19 C-F 50 “With implementation of the product level detail, we’ve been able to stop over 95% of losses on our high-risk products. We’ve seen our chargebacks fall dramatically. ” 2019 Global e. Commerce Fraud Prevention Innovation Excellence Frost Radar Award - Fraud Analyst, Large Retailer TVID: 63 C-C 96 -67 C. “The ACI Risk Analyst team are complete rock stars and incredibly talented. We would be lost without them. ” - Director of Fraud, Large Enterprise Consumer Products Company Fraud Innovation Firm of the Year TVID: D 47 -52 C-E 8 D CONFIDENTIAL 25

ACI Re. D Shield Case Studies The Results! CREW CLOTHING AGEAN AIRLINES VOYAGES-SNCF Reduced deny rate by Over the first Over the last 3 years 12% to 3% 12 months of the reduced fraud rate on both contract, ACI helped stop domestic and cross-border Reduced fraud rate from 97% of confirmed fraud, transactions by 66%, 1% to 0. 5% saving over delivering a smoother € 3, 000 customer experience and protecting brand reputation CONFIDENTIAL 21

About ACI CONFIDENTIAL 26

ACI Worldwide: Powering Payments Around the World 45 5, 100+ global organizations rely on ACI years in payments ~4, 000 $1. 26 B+ employees in 52 cities globally 2019 revenue CONFIDENTIAL 23

ACI in e. Commerce Award-winning e. Commerce solutions for merchants, intermediaries and financial institutions Serving more than 80, 000 merchants and processing more than 1 B transactions annually, via our Secure e. Commerce platform Supporting merchants across retail, hospitality, digital goods, travel and telecommunications sectors CONFIDENTIAL 28

THANK YOU CONFIDENTIAL