IDENTITY PROTECTION INFORMATION SECURITY LEADING DATA SOLUTIONS Innovative technology, collaborative relationships and real-time actionable alerts offer unparalleled data security. TODAYS AGENDA InfoArmor Overview Identity Fraud: The Problem PrivacyArmor Features Subscriber Satisfaction 2 information protection experts Founded by Washington Mutual to protect 10M credit card holders Focused on B2B value-added subscriber services Committed to partnership model Service 26 of Fortune 500 Growing at triple digit rates Engaged, satisfied subscribers Overall Satisfaction: >90% Strongly Agree or Agree Sample Clients: 3 exceeding partner and subscriber expectations THE DIFFERENCE Fastest growing, #1 crime in America Affects 5% of US population, costing over $18B annually Restoration takes 59 168 business hours to complete Breach victims 9.5x more prone Goes beyond simple account /credit card/credit fraud ; medical coverage, false mortgages, fraudulent job applications, misfiled tax returns, online hacking, etc. Social networking users more susceptible (Linked In = 2x more susceptible) WHY NOW? Identity fraud is real problem happening to your employees 4 PRIVACYARMOR VIDEO 5 industry-leading SNAPD2.0 BENEFIT FEATURES 6 PrivacyArmor offers unparalleled protection SNAPD 2.0 Identity Monitoring now with High Risk Transaction alerts too, including online account access, fund transfers and password resets CreditArmor provides continuous credit monitoring, monthly credit scores and unlimited access to an online, monthly credit report. Now included FREE of charge in PrivacyArmor Full-Service identity restoration by Privacy Advocates that complete the work from start to case completion WalletArmor to quickly replace contents of a lost wallet to mitigate damages plus it now includes real-time monitoring Internet Surveillance with Digital Identity Report to scan the Underground Internet for suspicious activity and show a snapshot of what the world can learn about You IdentityMD to provide tips, tools, and resources to prevent identity theft and restore an identity (includes how to pull free credit reports from bureaus) $25,000 identity fraud reimbursement policy to protect against out-of-pocket costs associated with identity theft including lost wages, legal fees and postage Reduction in unwanted solicitations such as telephone solicitations, preapproved credit card offers and junk mail to limit exposure of personal information SNAPD 2.0 MONITORING 7 now monitoring high risk transactions too Step 1: Blueprint Identity CreditNon-CreditPrivateGovernmentPublic High Risk Transactions Step 2: Evaluate Cross-Industry Data Step 3: Predict, Detect and Close Loop 100% ACTIVATION SNAPD 2.0 MONITORING 8 broad, comprehensive coverage CREDIT New Cards Mortgage Loans Auto Loans Existing Acct. Change of Address NON-CREDIT Wireless Accounts Utility Accounts Check Reorders Payday Loans PRIVATE Knowledge Based Authentication Hot Addresses GOVERNMENT Social Security Administration US Postal Inspector OFAC PUBLIC Address History Court RecordsSocial Media HIGH RISK TRANSACTIONS CreditHealthFinanceEmployment UNMATCHED INSIGHT Insight into tens of millions of high risk transactions, including verifications and authentications Used to fight fraud in self-service/online and call center channels 3 leading KBA providers supplying data Currently employed by: 11 of top 20 Financial Service Providers 3 of top 6 Wireless/Telecom Providers 3 of top 10 Retailers And over 250+ more companies 9 What is Knowledge Based Authentication? Real-time identity authentication process using out of wallet or user-defined questions to confirm an identity prior to allowing fraud- prone activities and transactions. Info Collected ID Verified Questions Generated ID Authenticated 10 CREDIT CARD Online Card Application Card Activation Call Center Service BANKING Online Bank Account Application Fund TransferPassword ResetTelebanking BROKERAGE Online Account Application Online Account Access Call Center Service HEALTH Online Portal Access Password Reset Online RX Account Access Online RX Refills SERVICES & EMPLOYMENT E SignaturesOnline RetailersP2P Payments Payroll & W-2 Access HIGH RISK TRANSACTIONS SM CREDIT CARD BANKINGBROKERAGEHEALTH SERVICES & EMPLOYMENT CREDITARMOR (NEW! for 2014) 12 comprehensive, user-friendly essentials to monitor credit Monthly CREDIT SCORE tracker TransUnion credit score offered each month, enabling changes to be tracked over time Daily CREDIT MONITORING with real-timeor text alerts Receive alerts to quickly learn when changes or new accounts impact the TransUnion credit file Unlimited, online access to an annual CREDIT REPORT Easy, online access to an annual TransUnion credit report INTERACTIVE MONITORING 13 INTERNET SURVEILLANCE How We Monitor: Proprietary hardware and software solution Unparalleled alert accuracy (minimized false positives) Secure: separate reconnaissance and analysis efforts, plus no refined search queries What We Monitor: SSNs, names, addresses,s and DOBs Wallet items (i.e. credit cards, medical insurance card) Results: In June, over 100K compromised accounts and 71K credit cards 14 accuracy and security INFOARMOR BOTS monitor UNDERGROUND ECONOMY COMPROMISED DATA sent back to INFOARMOR SENSOR compares compromised to subscriber data in secure environment, creating ALERTS with 100% accuracy X ONLINE PORTAL 15 check on alerts, WalletArmor, Digital Identity Report and more Subscriber Portal Predictive risk assessment Actionable alerts New mobile app for iPhone and Droid MOBILE APP: TODAY 16 easy account access and alerting MOBILE APP: TOMORROW 17 easy account access and alerting with full feature functionality EMPLOYEE SATISFACTION 18 anonymous employee survey conveys successful integration 94% AGREE or STRONGLY AGREE that employer sponsored Identity Theft Protection is valuable benefit 94% AGREE or STRONGLY AGREE that employer sponsored Identity Theft Protection is valuable benefit 96% SAID YES, Identity Theft Protection was valuable addition to benefit package 96% SAID YES, Identity Theft Protection was valuable addition to benefit package My identity was compromised by a mortgage company. By calling your company, opening a case and going through all the steps I gained peace of mind that I was protected. Actually I had all my employees enroll! Its a no- brainer! A service such as this allows me to concentrate on work...not my personal stuff 98% SAID YES, they would recommend service to coworker, friend or family member 98% SAID YES, they would recommend service to coworker, friend or family member I have recommended it to several individuals. I get far less spam, and junk mail, and I don't have to worry about my info being tampered with. I already recommend your services all the time. This is such an important benefit at such a terrific price. I can protect my whole family with InfoArmor for less than what it costs to enroll just myself in other products that dont accomplish half as much. THE DIFFERENCE your brand is more important than ours 19 Philosophical Product Price THANK YOU Contact Us 7001 N. Scottsdale Rd. #2020 Scottsdale, AZ P: E: