EFTA Document EFTA01382694

S-1/A Table of Contents Category Fraud Solutions Sente Fraud Protection Solutions DefenseEdge. RiskShield Description Benefits Advanced fraud protection that enables financial institutions to reduce fraud levels and costs by detecting fraud on monetary and non-monetary transactions (e.g.. change of address. request for new PIN) basal on customized business rules. • Real-time, critical non-monetary decisioning capability • Easy customization with robust rule-creation features • Allow clients to define their own decision elements and calculations (specific to fraud on their portfolio) • Ability to identify true fraud and reduce false positives • Help prepare for future fraud detection issues (new technology such as mobile and EMV) • Comprehensive support to complete the required annual PCI questionnaire • Enable financial institutions to participate in high profile mobile wallets • Increase transaction security using state-of-the- art tokenization technology PC! Rapid Comply Online tool that helps businesses achieve and maintain PC1 compliance more quickly and easily. Integrated Token Services Solution that enables financial institution issuers to have their card accounts enabled within mobile wallets (including Apple Pay) through the creation of a token stored on the device. • Reduce the risk of a data breach and fraud losses • Increase customer choice of payment methods and technologies • Convert checks to electronic transactions at the POS to streamline processing • Save time and reduce expenses by depositing checks electronically TeleCheck Fast, safe, and flexible payment option that enables businesses to lower the risk of check acceptance, or eliminate that risk entirely with a guarantee solution. • Reduce risk of returned checks • Enable customers to make secure payments over the phone from their checking accounts • Protect customers' personal information from identity theft • Set up customers' pre-arranged recurring payments from their checking account • Significantly lower processing costs compared to other payment types 134 http://vanv.see.gov/Archivecledgaddataht83980/000119312515334479/d31022dsla.html10/14/2015 9:06:38 AM] CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) CONFIDENTIAL DB-SDNY-0082153 SDNY GM_00228337 EFTA01382694