B U I L D I N G N O R T H A M E R I C A N F I N T E C H L E A D E R S H I P. BMO 2013 Technology and Digital Media Conference
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1 B U I L D I N G N O R T H A M E R I C A N F I N T E C H L E A D E R S H I P BMO 2013 Technology and Digital Media Conference
2 Forward-Looking Statements This presentation contains certain statements that constitute forward-looking information within the meaning of applicable securities laws ( forward-looking statements ). Statements concerning D+H s objectives, goals, strategies, intentions, plans, beliefs, expectations and estimates, and the business, operations, financial performance and condition of D+H are forward-looking statements. The words believe, expect, anticipate, estimate, intend, may, will, would and similar expressions and the negative of such expressions are intended to identify forward-looking statements, although not all forward-looking statements contain these identifying words. These forward-looking statements are subject to important assumptions, including the following specific assumptions: the ability of D+H to meet its Revenues, Adjusted revenues EBITDA, Adjusted EBITDA and Adjusted net income targets (see Appendix A for a more complete description of the terms Adjusted revenues, EBITDA, Adjusted EBITDA and Adjusted net income); general industry and economic conditions; changes in D+H s relationship with its customers and suppliers; pricing pressures and other competitive factors; the anticipated effect of acquisitions on the financial performance of D+H; D+H s belief that there exists a growing market for the replacement of legacy core processing systems; and the ability of D+H to achieve the expected benefits of the acquisition of HFS, including: (i) D+H s ability to enhance its presence in the United States FinTech market, (ii) the diversification of D+H s business in terms of service offerings, clients and geographic focus as a result of the acquisition, (iii) the broadening of D+H s sources of long-term recurring revenues following the acquisition closing; (iv) the benefits of the acquisition for D+H from a margin, accretion and cash flow perspective (each of which may be impacted by final financing arrangements, the realization and timing of any potential synergies and the operating performance of D+H and HFS); (v) D+H s ability to successfully integrate HFS with D+H s existing business; and (vi) D+H s expectations regarding enhanced revenue generation through cross-selling opportunities. D+H has also made certain macroeconomic and general industry assumptions in the preparation of such forward-looking statements. While D+H considers these factors and assumptions to be reasonable based on information currently available, there can be no assurance that actual results will be consistent with these forward-looking statements. Forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause D+H s actual results, performance or achievements, or developments in its industry, to differ materially from the anticipated results, performance, achievements or developments expressed or implied by such forward-looking statements. Risks related to forward-looking statements include, among other things, challenges presented by declines in the use of personal and business cheques; the Company s dependence on a limited number of large financial institution customers and dependence on their acceptance of new programs; strategic initiatives being undertaken to meet the Company s financial objective; stability and growth in the real estate, mortgage and lending markets; increased pricing pressures and increased competition which could lead to loss of contracts or reduced margins; changes in the U.S. banking and financial services industry and demand for HFS s products and services; as well as general market conditions, including economic and interest rate dynamics. Given these uncertainties, readers are cautioned not to place undue reliance on such forward-looking statements. The documents incorporated by reference herein also identify additional factors that could affect the operating results and performance of the Company. Forward-looking statements are based on management s current plans, estimates, projections, beliefs and opinions, and D+H does not undertake any obligation to update forward-looking statements should assumptions related to these plans, estimates, projections, beliefs and opinions change except as required by applicable securities laws. All of the forward-looking statements made in this presentation are qualified by these cautionary statements and other cautionary statements or factors contained herein, and there can be no assurance that the actual results or developments will be realized or, even if substantially realized, that they will have the expected consequences to, or effects on, the Company. 2
3 Corporate Profile Emerging North American FinTech leader (TSX: DH) 2013 Long history of deep customer relationships 6,200 banks and credit union clients (50% top US FIs) Long-term contracts, high recurring revenue, solid margins Balanced/growing revenue sources, leadership in multiple areas ~5% dividend; market cap ~ $2.3B Recently completed US$1.2B acquisition Positioned for future growth, fueled by lending solutions capabilities and revenue synergies 3
4 Leading FinTech Provider Who We Are Banking Technology Solutions % Adj. Revenue 1 Growth Drivers Market Position 34% Growing adoption of SaaS offering Added complexity of regulatory compliance Consumerization driving channel investment i.e. mobile, online Cloud computing adoption Need to replace core #1 in loan compliance #1 in Canadian mortgage technology Leading commercial lending #1 in SaaS POS/LOS Top 4 in core banking Lending Processing Solutions 32% Strong vehicle sales Growing student lending offering higher education costs and population growth in Canada Clear market leader in student lending Market leader in collateral management solutions Payments Solutions 34% 1. Q Appetite for banks to promote additional fee-based offerings to their customers #1 in cheque business Enhancement services leader 4
5 6,200+ Customers Capital Bank Deep Customer Loyalty, Minimal U.S. Concentration Risk 5
6 6 Canadian Segment
7 Lending Processing Solutions Loan Registration & Recovery 4 million + transactions annually Driven primarily by auto purchases / leasing Student Loans Servicing 1.7M+ university/college students Loan portfolio of $20 billion LPS Contribution to Total Adjusted Revenue Q Lenders Public Registries Third Parties Federal Government Provincial Governments Banks 7
8 Banking Technology Solutions start Contribution to Total Adjusted Revenue Q Bank Sales Specialists Expert Banks Mortgage Brokers Expert enhances mortgage origination for brokers, mobile sales and ~ 60 residential mortgage lenders Express Express automates mortgage underwriting Credit Bureaus Insurance Companies Appraisers D+H paid on basis of mortgages funded ($83B in mortgages in 2012) 8
9 Payments Solutions Contribution to Total Adjusted Revenue 1 1 Banks / Credit Unions Partners 1. Q Million Business Accounts S u b s c r i p t i o n s 20 Million Personal Accounts 30 Million Credit Card Accounts Market leader in Canadian chequebased payment solutions Partner to all major Canadian banks Strong and stable source of revenue Offsetting gradual decline in cheque usage with: Growth in enhancement services Higher average order value Improving efficiencies, cost reductions 9
10 10 U.S. Segment
11 Lending Solutions Our offerings enable consumer, mortgage and commercial loans Includes loan/deposit origination and mortgage compliance solutions LaserPro is the industry s leading compliant loan document solution U.S. Segment Adjusted Revenue 1 1. Q % Lending Solutions 25% of all U.S. Fl s use LaserPro Point of Sale and Loan Origination Solutions serve over 1,300+ US banks and credit unions Includes commercial lending risk management, underwriting, portfolio management 75%-80% recurring revenue America s #1 Choice for Lending Compliant Loan Documentation 11
12 D+H Lending Product Synergies HFS Compliance Origination Underwriting Processing Documentation Portfolio - Servicing Commercial Consumer Mortgage Suite Cloud-Based Hosting End to End Lending Lifecycle Technology Suite 12
13 U.S. Cross-Selling Opportunity POS LOS LaserPro 1,700 Customers 5,400 Customers Mortgagebot POS Mortgagebot LOS LaserPro GreatDocs Mortgage Application Underwriting Origination Compliance Loan Closing Growing Our Share of Wallet Through End-to-End Lending 13
14 Enterprise Solutions Online Banking LaserPro Lending & Compliance U.S. Segment Adjusted Revenue 1 Enterprise Solutions 40% Mortgagebot POS LOS Business Intelligence Teller Applications Mobile Banking ATM Self Service 1. Q Our core processing systems enable Content management Financial accounting Payments solutions Innovative channel solutions support self-service, business intelligence and branch automation Our infrastructure solutions move mission critical data & systems to cloud-based state Top Four U.S. Provider of Core Banking Technology 14
15 15 Recent Performance
16 Recent Segment Progress Segment Adjusted Revenue 1 (C$ millions) 4.3% Segment Adjusted Revenue 1 (C$ millions) % 15.7 Q Q Segment Adjusted EBITDA 1 (C$ millions) 6.4% Q Q Segment Adjusted EBITDA 1 (C$ millions) 133.2% Q Q Adjusted Revenue and Adjusted EBITDA are non-ifrs terms. See Appendix A. Q Q
17 A Long-Term Performer Adjusted YTD Revenue 1 Adjusted YTD EBITDA % CAGR 14.3% CAGR $594M $166M $309M $97M $1B Pro Forma Revenue 1) Nine months ended September 30, 2009 and 2013 post discontinued operations. Adjusted revenue and Adjusted EBITDA are non-ifrs terms. See Appendix A. 2) Includes 1.5 months of HFS 17
18 18 Looking Ahead
19 Strategies Supported By Strong Cash Flow Capital Expenditures Acquisitions Debt Repayment Dividends Surplus Cash 19
20 Points of Distinction Customer Relationships Market Position Products Strength Deep client loyalty in Canada, limited concentration risk in US Leaders across multiple areas Poised to benefit from higher U.S. bank IT spend through 2016 Significant cross-selling opportunities to increase share of wallet with existing customers, add new clients Lending solutions can be leveraged to address more demanding regulatory environment Enhancement solutions suite in Canada ramping up Financial Strong and stable cash generation businesswide supports ~ 5% dividend, deleveraging and growth capital Business model features long-term customer contracts, highly recurring revenues, attractive margins 20
21 Appendix A - Non-IFRS Financial Measures This presentation makes reference to certain non-ifrs financial measures. These non-ifrs financial measures are not recognized measures under IFRS, do not have a standardized meaning prescribed by IFRS and are therefore unlikely to be comparable to similar measures presented by other companies. Rather, these measures are provided as additional information to complement IFRS measures by providing further understanding of operations from management s perspective. Accordingly, non-ifrs measures should never be considered in isolation nor as a substitute to using net income as a measure of profitability or as an alternative to the IFRS consolidated statements of income or other IFRS statements. Management presents non-ifrs measures, specifically Adjusted revenue, EBITDA, Adjusted EBITDA, Adjusted net income, and Adjusted net income per share as it believes these supplementary disclosures provide useful additional information related to the operating results of D+H and uses these measures of financial performance as a supplement to the consolidated statements of income of D+H. The definitions of the non-ifrs measures contained in this presentation are as follows: (i) Adjusted revenue, which is calculated as revenue after removing the effect of purchase accounting on the fair value of acquired deferred revenue; (ii) EBITDA which is calculated as net income, excluding interest, taxes, depreciation and amortization and fair value adjustments of interest-rate swaps which are directly related to interest expense, income from investment in an associate, gain on remeasurement of previously held equity interest in an associate and income (loss) from discontinued operations; (iii) Adjusted EBITDA which is calculated as EBITDA adjusted to remove the effect of purchase accounting on the fair value of acquired deferred revenue and deferred costs, acquisition-related and other charges, including expenses incurred in connection with costrealignment initiatives, corporate development expenses related to strategic acquisition initiatives, certain retention and incentive expenses, transaction costs and business integration costs incurred in connection with acquisitions, all of which are not considered to be incurred in the normal course of operations and are not indicative of the underlying business performance; and (iv) Adjusted net income which is calculated as net income after removing the impacts of purchase accounting adjustments related to the fair value of deferred revenue and other non-recurring items, certain non-cash charges such as amortization of intangibles from acquisitions and fair value adjustments of interest-rate swaps and certain items of note such as acquisition-related and other charges, discontinued operations, including tax effects of these items and tax effects of acquisitions and corporate conversion and Adjusted net income per share which is calculated as Adjusted net income divided by the weighted average number of issued and outstanding Common Shares during the relevant financial period. 21
22 Disclaimer This documentation is a presentation of general background information about D+H s activities current as the date of the presentation. It is information in a summary form and does not purport to be complete. It is not intended to be relied upon as advice to investors or potential investors and does not take into account the investment objectives, financial situation or needs of any particular investor. These should be considered, with or without professional advice, when deciding if an investment is appropriate. The information contained in this presentation is derived solely from otherwise publicly available information concerning D+H and does not purport to be all-inclusive or to contain all the information that an investor may desire to have in evaluating whether or not to make an investment in D+H. The information has not been independently verified and is subject to material updating, revision and further amendment, and is qualified entirely by reference to the D+H s publicly disclosed information. No representation or warranty, express or implied, is made or given by or on behalf of D+H or any of its affiliates or subsidiary undertakings or any of the directors, officers or employees of any such entities as to the accuracy, completeness or fairness of the information or opinions contained in this presentation and no responsibility or liability is accepted by any person for such information or opinions. In furnishing this presentation, D+H does not undertake or agree to any obligation to provide the attendees with access to any additional information or to update this presentation or to correct any inaccuracies in, or omissions from, this presentation that may become apparent. No person has been authorised to give any information or make any representations other than those contained in this presentation and, if given and/or made, such information or representations must not be relied upon as having been so authorised. The information and opinions contained in this presentation are provided as at the date of this presentation. The contents of this presentation are not to be construed as legal, financial or tax advice. Each prospective investor should contact his, her or its own legal adviser, independent financial adviser or tax adviser for legal, financial or tax advice. The securities of D+H have not been and will not be registered under the United States Securities Act of 1933, as amended (the "U.S. Securities Act") and may not be offered or sold in the United States absent registration or an applicable exemption from the registration requirements of the U.S. Securities Act and applicable state securities laws. This presentation does not constitute or form part of any offer or invitation for the sale or purchase of securities or any of the assets, business or undertaking described herein nor shall it or any part of it form the basis of or be relied on in connection with, or act as any inducement to enter into, any contract or commitment whatsoever. Recipients of this presentation who are considering acquiring securities of D+H are reminded that any such purchase or subscription must not be made on the basis of the information contained in this presentation but are referred to the entire body of publicly disclosed information regarding D+H. This Presentation is being supplied to you solely for your information and may not be reproduced, further distributed or published in whole or in part by any other person. Distribution of this presentation may be restricted or prohibited by law. Recipients are required to inform themselves of, and comply with, all such restrictions or prohibitions and D+H does not accept liability to any person in relation thereto. 22
23 Questions Investor Relations Contacts: Brian Kyle Executive Vice President and Chief Financial Officer Richard Colgan Manager, Investor Relations
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