Cypak core technology Combat fraud and keep your customer happy A new, cool and convenient way to identify your customers. For the eWallet, eBanking and eBrokerage industry.

The growing Internet fraud Phishing - User is cheated to reveal username / password to aliens Pharming / false website - User is cheated to reveal sensitive information on false web-site Key-loggers - Alien code or hardware intercepting keystrokes Trojans - Alien code eavesdropping sensitive information Non-repudiation – User denies performed transaction

Hard facts on security Static identities with username and password is not secure - Trivial to intercept and replay. Two-factor authentication needed to provide security - Something to have and to know - Access to service not possible without a device - The user knows if the identity/device has been stolen Secure authentication devices (used for eBanking, corporate login, etc) are often regarded as: - Awkward - Time consuming - Costly

Combining security with convenience Cypak eSecurity - Two-factor authentication devices combining security, simplicity and branding Keys Cards

System components The end-user Key or card + reader connected to the USB port The merchant Authentication Software running on server No client software required ! Works on all platforms !

How it works – the Key 1. Key in USB port connects automatically to your site 2. User enter username/password and press button on key 3. Username/pw and a one-time password is sent to the server

Key and Card with PIN-keypad PIN entered on Key/Card keypad for additional security Navigation to multiple sites and services

Security and system benefits Insensitive to Phishing, Pharming, Key-loggers, Trojans - A new and unique access code is generated every time Fights issues of non-repudiation - Strong two-factor authentication ties user to performed action Unbeatable simplicity - Automatic navigation to specific website - Works in parallel with username/password – no extra step - Minimal redesign of existing website - No client software required at all - Works on all platforms (Windows, Mac, Linux, etc.) - Works on all browsers (Explorer, Safari, Firefox, etc)

The marketing opportunity Increased trust - For the service provider and the user Brand reinforcement - Corporate profile on Card or Key, exposed in physical wallet or keychain - Customized shapes and colours available for keys and Card readers Enhanced credit limits - Stronger authentication enables higher credit limits Card can be combined with withdrawal functionally

For more information www.cypak.com/esecurity or e-mail: esecurity@cypak.com