BankCore is a complete identification solution that allows a banks to streamline its customer identity management and complete the identity ecosystem with Biometric ATM's and Biometric EFT/POS add-ons.

1. BankCore Framework Customer Identification Ecosystem Version 5

2. FINGERPRINT IDENTIFICATION – BANKCORE Enrolled person can then be positively identified at any branch or ATM in less than 1 second Customer fingerprints, photo and information are verified and enrolled once, 2 minutes or less Multiple customer identities are identified and eliminated

3. IDENTIFY CUSTOMERS WITH THEIR FINGERPRINTS Central customer identification repository Customers linked to unique records on financial system Cards linked to customer fingerprints 1-1 Low cost online identification for bio-ATM, branch identification (new card issue, withdrawals, chequebook collection, etc.) Token independent – (chip card, magstripe card, cheque, etc.) Identity linked to issued token, once linked it cannot be changed

4. bankcore technology BankCore Ecosystem

5. FEATURES OF BANKCORE Central identity repository (Photo, Fingerprints, Signature, ID document, KYC CIP information, unique ID) Signature scan and store Large signature display Photo capture and update ID Document scanning ID Document management User management Duplicate checker Fraudster checker User roles management Active directory linkup Account authorisation facility Account linkup (Host / Card) Advanced reporting Management backend Dashboard

7. Accurate and positive identification within seconds

8. Identify and track customers true identity without a unique identification number

9. Ability to share fraudulent information between financial institutions

10. Integration into financial and other systems (link to unique customer ID in Financial Host and linkup to card)

12. Reduce fraud (Banks can share fraudster info)

13. Improve customer satisfaction (Identified anywhere)

14. Know Your Customer (KYC) CIP regulations

15. Create trust with customers

16. Large saving on consumables (eliminate copies)VALUE PROPOSITION

18. Reduce transaction turnaround time

19. Improve customer service

20. Eliminate multiple identities and consolidate accountsEnables Know Your Customer (KYC) compliance BENEFITS OF BANKCORE

21. MODULES AVAILABLE Customer backend interface API Bio-EFT POS verification interface KYC CIP and financial system linkup Branch Assist Advanced reporting ATM verification interface Duplicate checker and fraud module Real-time monitor - Dashboard Active directory linkup BankCore FRAMEWORK

23. Integration (Database integration to financial host for unique ID linkup and active directory)

24. Does not require any tokens (e.g. Cards)

25. Future proof – not dependant on evolving payment technologies

26. Only non-repudiating fraud proof systemBIONCORE BANKCORE - ONLINE

28. Application based

29. Centralised server architecture

30. Runs on Windows XPand Windows 7

31. Very easy to use – learn in less than 3 minutes

33. BANKCORE SOFTWARE Management studio Secure login (Username and fingerprint or username and password) Enrol BankCore users (Roll based, linked to active directory) Capture customer KYC CIP information and account linkup (linked to financial system database) retrieves KYC CIP data from customer account, operator can then complete missing information Roles based approval process (maker checker) Multiple enrolment matcher section (view multiples found) Fraud management section (mark transitions as fraudulent, identities as suspicious) Update bank settings, i.e. add branches with GPS coordinates, specify group roles View full customer report including scanned documents any where Full reporting and audit reports

35. Manage non-accountholder information (3rd parties)

36. Advance compression technology – Low bandwidth

37. No more copying of customer/3rd party documents – reduction in consumables

38. Faster identification means faster transaction time

39. Ability to remove withdrawal slips

40. Eliminates impersonation – Savings accounts

42. Eliminate losses due to violations of single obligor limit to same customer with multiple accounts.

43. Reduce data growth, validate new accounts and remove duplicates

46. Verification time less than 1 second

47. Proves the claimed identity of the card holder (non-repudiation of transactions)

48. Cannot be forgotten

49. Cannot be transferred or stolen

50. Ability to remove PIN blocks

51. Reduction of cost (PIN-less systems)BIOMETRIC ATM BENEFITS

53. High quality scratch free surface

54. Quick and easy installation

55. Fingerprint match online (connection required)

56. Live finger detection

57. Works with any card – magnetic stripe, smart card, verve card, etc. Note: Requires ATM software integration on NDC, NDC+ or ANDC

58. PostBridge_Bioncore BIO-ATM & POS CONNECTIONS

59. When the customer inserts a card, the ATM sends a QueryCardType command (normal ISO8583) to the switch (Postilion) The switch forwards the request to the BankCoreserver The BankCoreserver responds with a transaction message describing the authentication type required (PIN, Bio, Bio + PIN, Bio or PIN) If biometric authentication is required, the ATM captures the fingerprint and sends it to the switch/ S1 Post Bridge-Bioncorein a normal ISO8583 message, in an extended data type (127.22 field) The switch forwards the message to the BankCoreserver, which performs the authentication and sends the result back to Postilion The transaction continues as normal for a matched PIN entry BIO-ATM CONNECTIVITY

62. SUPREMA BIO-MINI FINGERPRINT SCANNER FBI PIV-IQS/FIPS 201 certification NIST certified interoperable template format standards (ANSI-378/ISO19794-2) 500 dpi optical fingerprint sensor Scratch free sensor surface Top results in NIST MINEX tests and FVC2004/2006 CE, FCC, MIC, FBI PIV

64. Uniqueness – No two pairs of fingerprints are identical, even between twins

65. Permanence–Can be damaged and change due to injuries

66. Collectability– Fingerprints are easy to collect and inexpensive, fingerprint scanners are easy to clean and durable

67. Performance– Fastest and most accurate

68. Acceptability –Most accepted form

70. For more information please contact: info@bioncore.net THANK YOU