JHA GET SMARTSM

A COMPLIMENTARY PRODUCT CERTIFICATION PROGRAM

+ JHA GET SMARTSM

We are extremely grateful for the significant investments and trust your bank has placed in the solutions provided by Jack Henry Banking®. But did you know? Most banks only use approximately 60% of the functionality available in their existing technology platforms. It’s true! And no wonder: With so many regulatory-driven (and functional) system enhancements, personnel changes, and time restraints, it’s hard to keep up with the latest features while trying to take care of your customers, keep up with competition, and run your bank.

The good news? Help exists for your bank, and it is better than ever.

Last year, Jack Henry Banking announced the creation of the Get Smart program. This free program helps your bank better optimize your Jack Henry Banking solutions and provides an opportunity to earn core maintenance discounts while operating your bank more efficiently.

JHA Get Smart is an optional education-based product certification program that enables in-house and outsourced banks to formally certify employees on their core system and key complementary solutions. These certifications are designed to identify and train resident solution experts who can help optimize your day-to-day use and maximize the benefits that can come from Jack Henry Banking’s products and services. We’ve developed a unique certification curriculum offered through our Jack Henry University specifically for this purpose. Meanwhile JHA Get Smart rewards your bank for participating in specific engagement activities! It’s a win-win.

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JHA GET SMARTSM

+ JHA GET SMART PROGRAM CHANGES AND HIGHLIGHTS

Based on client feedback, valuable input from client focus groups, and experience with this program during itsinaugural year, below are some key program changes and highlights for the coming year:

• In response to your feedback, we have reduced the number of core certifications required (check out the details on page 5).

• Core certifications, which include individual loans, deposits, and miscellaneous training modules, can be completed by the same or different program participants. We require that every bank certify on the specific core solution that you are using. To achieve this, you must certify on the individual loan, deposit, and miscellaneous core modules. Your bank can choose whether to have only one individual do all of the core certifications, or to have several individuals complete the various modules, as long as all core modules are completed and you meet the minimum requirement for associate certifications by asset size.

• Annual core and complementary re-certifications are required to maintain program discounts and must be completed during the current program year. To ensure that your knowledge base stays current, recertification is required every year, even if you certified the prior year. • Our certification modules are updated each year to include the latest features. Program participants completing initial certifications automatically had re-certification versions of the training in their transcripts on April 1, 2016.

• Six additional complementary solutions have been added to the program – Relationship 360™, OnBoard Loans™, iTalk™, Synapsys®, iPay Consumer Bill Pay™, and Enterprise Payment Solutions™ (EPS) Remote Deposit Complete™ (RDC). This gives your bank an opportunity to maximize your percentage discount.

• You may certify on any product or solution; however, you are only eligible to earn program points on certifications for solutions your bank has purchased from JHA.

• If your bank has purchased a complementary solution but have not yet implemented it, you may still certify on the product and receive program points.

• If your bank did not participate in GetSmart last year, you can enroll at any time and complete the certification training requirements in order to receive program points this year.

• The maximum program discount available is 14%.

• Program discounts for in-house banks are calculated based on annual core system maintenance fees.

• Program discounts for OutLink banks are calculated based on what the equivalent annual core maintenance fees for a bank of the same asset size and using the same core system.

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+ THE VALUABLE PERKS CORE SYSTEM DISCOUNTS FOR YOUR BANK

Each product-specific certification and participation in the designated engagement activities accrue points which

translate into core system maintenance fee discounts for in-house clients and maintenance fee equivalent discounts

on core processing services for OutLink clients. By certifying in the solutions your bank uses or by participating in a

number of JHA-sponsored activities, your bank will accrue points, which translate into core system maintenance dis-

counts. OutLink banks receive equivalent maintenance fee discounts on core processing services. Program discounts

do not apply to complementary solution maintenance fees or complementary solution processing services.

Participating banks are required to certify on their respective core system – SilverLake System®, CIF 20/20®, or Core

Director®. Your bank can earn additional points and the potential for even greater core maintenance/core process-

ing discounts when you utilize and certify on the following solutions:

• NEW – Relationship 360™

• NEW – OnBoard Loans™

• NEW – iTalk™

• NEW – Synapsys®

• NEW – iPay Consumer Bill Pay™

• NEW – EPS Remote Deposit Complete™ (RDC)

• NetTeller®

• jhaPassPort Direct™ or jhaPassPort.pro™

• Synergy Document Management™ – in-house installations and Synergy Express™ outsourced implementations

• 4|sight™ Item Imaging – in-house installations

• Vertex Teller Automation System™

• Vertex Teller Capture™

• Core Director® Teller™

• Core Director® Teller Capture™

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Your bank can also earn program points by participation in any of these activities:

• Attendance at the annual Banking Educational Conference (BEC) from October 17 to 20, 2016, at the Gaylord Texan (Grapevine, TX).

• Attendance by your president or CEO at the the annual JHB Executive Forum from October 17 to 19, 2016 – also at the Gaylord Texan.

• Contract for a JHA Client Services ConsultingSM (formerly Intellix Consulting™) operational assessment – available for SilverLake System, CIF 20/20, Core Director, NetTeller, the Vertex Teller Automation System, jhaPassPort, and Synergy Enterprise Content Management™. Operational assessments must be completed during the current annual certification period.

• Obtain a Know-It-All NOW eLearning subscription.

+ CORE SYSTEM DISCOUNTS

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Participating banks can accrue points for fee discounts on core

system maintenance (in-house clients) or core processing services

(OutLink clients).

+ THE VALUABLE PERKS CORE SYSTEM DISCOUNTS FOR YOUR BANK

Further details on the JHA Get Smart program are available at: www.jackhenrybanking.com/jhaGetSmart

+ CERTIFICATION POINTS AND DISCOUNTS

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+ CORE CERTIFICATIONS• The minimum number of core certifications required for program participation is provided in the asset table above. • Core certifications encompass three training modules – loans, deposits, and miscellaneous – and each module requires approximately 12 to 15 hours to complete. • The three training modules can be completed by the same or different program participants. • Banks can elect to certify more associates than required for their asset size, but additional points will not be awarded.

If you’re an in-house client and participate in the JHA Get Smart program, you’ll accrue points that can translate into core system maintenance fee discounts. These discounts will be reflected in the annual maintenance billing.

OutLink clients who participate in the JHA Get Smart program earn discounts on core processing services that will be reflected in the monthly billing statements beginning each July.

Discounts are calculated based on program points accrued during the annual certification period which begins each April. The minimum number of bank associates required for product-specific certifications and for participation in designated engagement activities is tiered based on bank asset size.

Available Certification/Re-Certification Program Points

Jack Henry Banking SolutionAvailable Program Points

Number of Associate Certifications/Re-Certifications Required by Bank Asset Size

Up to $500 Million $500 Million -

$1Billion$1+ Billion

SilverLake System 5 1 2 3

CIF 20/20 5 1 2 3

Core Director 5 1 2 5

NetTeller 3 1 2 3

jhaPassPort Direct/ jhaPassPort.pro

3 1 2 3

Synergy Document Management 2 1 2 3

4|sight Item Imaging 1 1 2 3

Vertex Teller Automation/ Vertex Teller Capture

2 1 2 3

Core Director Teller / Core Direc-tor Teller Capture

2 1 2 3

NEW – Relationship 360 2 1 2 3

NEW – OnBoard Loans 3 1 2 3

NEW – iTalk 2 1 2 3

NEW – Synapsys 2 1 2 3

NEW – iPay Consumer Bill Pay 3 1 2 3

NEW – EPS Remote Deposit Capture Complete (RDC)

2 1 2 3

IMPORTANT PROGRAM CHANGE: Based on client feedback, the number of core certifications required for banks with $250 million in assets and greater has been reduced and is reflected in the chart below.

+ PRODUCT-SPECIFIC CERTIFICATIONS/RE-CERTIFICATIONS

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+ OPTIONAL COMPLEMENTARY CERTIFICATIONS • Complementary solution certifications/re-certifications can be obtained concurrently with core certifications. • Each complementary product certification requires two to six hours to complete. • Banks can elect to certify more associates than required for their asset size, but additional points will not be awarded. • Program points will not be awarded for certifications/re-certifications on complementary solutions not owned by participating banks. • Program points will be awarded for certifications/re-certifications on complementary solutions purchased but not implemented to-date. • Certification opportunities for additional complementary solutions may be added to the program each year.

+ ANNUAL RE-CERTIFICATION REQUIREMENTS• Annual core and complementary solution re-certifications are required to maintain program discounts.• Re-certification in the second year of the program requires participants to complete all: -Release training content and quizzes. -New training content and quizzes added to the initial certification curriculum. • Re-certification requirements only apply to program participants who earned the same initial core or complementary certification in the previous year. • Program participants completing initial certifications automatically had re-certification versions of the training in their transcripts on April 1, 2016.• If no new content was added to a specific course, re-certification will only require completing the quizzes. • Re-certifications must be completed in the current program year – April 1, 2016 to March 31, 2017 – to maintain discounts. • The time required for re-certification will vary by product and by re-certification year.

+ ADDITIONAL PROGRAM DETAILS • Banks that did not participate in the JHA Get Smart program last year can enroll in the program at any time, and participants must complete the initial certification training. • The annual certification period will begin each April and includes a 12-month certification/re-certification period. • Each initial certification and re-certification course encompasses required testing that must be passed with a minimum score of 80%. • Certification course content that varies by core system or processing environment (in-house vs. OutLink) is clearly indicated in the certification training. • Each bank within a bank holding company must certify individually.• Program discounts for banks with core system maintenance billed at the holding company level will be applied proportionately to each individual bank based on asset size. • Certifications are available exclusively for bank employees and not for contractors or consultants supporting specific bank initiatives. • Bank associate certifications/re-certification that are current (obtained in the current program year) can be transferred to other Jack Henry Banking client banks if personnel changes occur.

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JHA GET SMARTSM

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Available Discounts Based on Points Accrued

Points Earned Resulting Core Maintenance/ Core Processing Discount

8 2%

10 4%

12 6%

14 8%

16 10%

18 12%

20 14%

• Program discounts for in-house banks are calculated based on annual core system maintenance fees.

• Program discounts for OutLink banks are calculated based on annual core maintenance fees for a bank of the same asset size and using the same core system.

• 14% is the maximum program discount available even if more than 20 points are accrued.

• Discounts will be rounded down for banks earning program points between point tiers. For example, a 12% discount will be provided for a bank earning 19 points.

• JHA Get Smart discounts cannot be combined with discounted multi-year maintenance agreements.

• JHA Get Smart discounts are available for all OutLink banking core clients.

• JHA Get Smart discounts do not apply to complementary solution maintenance fees or complementary solution processing services.

• If you have questions about your bank’s ability to qualify for JHA Get Smart discounts, please contact your Customer Relationship Manager or Account Executive.

+ JHA GET SMARTSM PROGRAM DISCOUNTS

Available Program Points and the Number of Required Participants by Bank Asset SizeAvailable Program Points

Up to $550 Million$500 Million - $5

Billion$5+ Billion

Annual Banking Educational Conference (BEC) Attendance

1 1 2 3

Annual CEO Executive Forum Attendance

1 1 1 1

JHA Client Services Consulting Operational Assessment (formerly Intellix Consulting)

2 1 Engagement

Know-It-All NOW 1 1 eLearning Subscription

+ ENGAGEMENT ACTIVITIES

• JHA Client Services Consulting (formerly Intellix Consulting) operational assessments must be completed during the current annual certification period. • Know-It-All-NOW subscriptions must be active during the annual certification/re-certification period.

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+ GET STARTED AND BEGIN MAXIMIZING YOUR DISCOUNTS TODAY!Get started by emailing the name and contact information for your training administrator to JHUAdmins@jackhenry.com and searching for “Get Smart” in Jack Henry University to register for the certifications you plan to complete. If you have questions about the JHA Get Smart program, please email JHUAdmins@jackhenry.

While participation in JHA Get Smart is optional, we strongly encourage you to participate and experience the operational and financial benefits this program offers.

Thank you for choosing Jack Henry Banking as your primary technology partner and for your ongoing loyalty to our solutions!

+ CERTIFICATION/RE-CERTIFICATION PERIODThe second certification period began April 1, 2016, and all certifications and re-certifications must be completed by March 31, 2017. Discounts earned during this certification/re-certification period begin July 1, 2017.

Certification/Re-Certification Begins Certification/Re-Certification Ends Core System Discounts Begin

April 1, 2016 March 31, 2017 July 1, 2017

+ CERTIFICATION TRAINING JHA Get Smart includes a certification and re-certification training and testing curriculum developed exclusively for the program and distinct from the Know-it-All educational offerings available from Jack Henry University. However, the JHA Get Smart curriculum and required testing are delivered through the convenient and familiar Jack Henry University, which also tracks certification and re-certification progress.

All participating banks receive quarterly summaries of their certification/re-certification status which are emailed to CEOs, key contacts, and training administrators.

+ JHA Get Smart is intended to help banks optimize their Jack Henry Banking technology with new levels of resident expertise.

+ JHA Get Smart is an optional free education-based product certification program that enables in-house and outsourced banks to certify designated employees on their core systems and key complementary solutions.

+ JHA Get Smart also rewards banks for participation in specific engagement activities.

+ Each initial product-specific certification, re-certification in subsequent years, and participation in designated engagement activities accrue points which translate into core system maintenance fee discounts for in-house clients and equivalent maintenance fee discounts on core processing services for OutLink clients.

+ Program discounts are based on points accrued during each annual certification period.

+ Program discounts for in-house banks are calculated based on annual core system maintenance fees.

+ Program discounts for OutLink banks are calculated based on annual core maintenance fees for a bank of the same asset size and using the same core system.

+ Core certification is required for program participation.

+ Optional complementary solution certifications can be obtained along with the core certification.

+ Annual re-certifications are required to maintain ongoing discounts and must be completed in the current program year.

+ The same program participants who earned initial core and complementary solution certifications must be re-certified on the same solutions in subsequent years.

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JHA GET SMARTSM

+ JHA GET SMART AT -a-GLANCE

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+ Banks can elect to certify/re-certify more associates than required for their asset size, but additional points will not be awarded.

+ Program points will not be awarded for certifications/re-certifications on core or complementary solutions not owned by participating banks.

+ Each bank within a bank holding company must certify individually and program discounts will be applied proportionately to each bank based on asset size.

+ This certification curriculum and testing is different from the Know-it-All educational offerings.

+ Jack Henry University is used to deliver the certification/re-certification curriculum and required testing – and for participating banks to track their certification progress.

+ Participating banks will receive a quarterly summary of current certification/re-certification status via email.

+ The second annual certification/re-certification period began April 1, 2016 and ends March 31, 2017.

+ Core system discounts earned during the second program year begin July 1, 2017.

+ Participation is optional but strongly encouraged based on the operational and financial benefits.

+ JHA Get Smart replaced the Partner Rewards program in 2015.

+ Jack Henry & Associates reserves the right to change and/or cancel the JHA Get Smart program at any time.

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JHA Get Smart is a complimentary, optional education-based

product certification program that enables in-house and

outsourced banks to certify designated employees on their core

systems and key complementary solutions.

Further details on the JHA Get Smart program are available at: www.jackhenrybanking.com/jhaGetSmart

Your bank has made significant investments in the sophisticated

products and services provided by Jack Henry Banking. But

considering the complexities of today’s core and complementary

banking solutions, most banks use approximately 60% of the

functionality available in their existing technology platforms.

Regulatory-driven and functional system enhancements,

personnel changes, time restraints – there are many reasons you

might not be maximizing technology already at your fingertips.

System Capabilities

System Utilization

Conversion 6 months 1 year

100%

90%

80%

70%

60%

50%

40%

30%

20%

10%

TotalCapabilities

Conversion 1 year 2 year 3 year

Average Utilization

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JHA GET SMARTSMJHA GET SMARTSM

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JHAGetSmart@jackhenry.com

JHA GET SMARTSM

JHA GET SMARTSM