Real-time Intelligence that Matters 1

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business 53% of consumers who experienced an account or identity compromise changed their banking relationship Source: Aite Group survey of Identity Theft Resource Center clients, March 2013 to January 2014

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business Beware back of wallet Source: Aite Group, ACI Worldwide survey of consumers in 20 countries, Q1 2014

557 Data breaches reported to the California Attorney General since January new data breaches reported to the California Attorney General in April % of data breaches effect small merchants $7.99 is the average cost to issuers for each compromised card Data Breaches: Facts and Lessons

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business Case Study – 2014 Large Retailer 6 April 1 Commenced Sept 2 Announced Sept 12 Closed

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business Case Study – 2014 Retailer Data Breach 7 April 1Sept 2Sept 12 Commenced Announced Closed 154 Days Open 56 Million Cards Compromised $447 Million Estimated Issuer Losses $33 Million Q4 Retailer Losses

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business Stages of a Merchant Data Breach 8

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business 9 iDetect Components Real-Time Merchant Profiling Engine Real-Time Card Risk Scoring Engine

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business Real-Time Card Risk Scoring Engine: Model Building and Training Unsupervised Learning Real-time Profiling Long-term Profiling Peer Profiling Geo Profiling Cross-card Profiling Issuer/Processor Data Merchant information Global transaction history Global fraud database Card transaction history Computer Agent Time Profile Computer Agent Card Profile Computer Agent Merchant Profile Computer Agent Geographic Profile

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business Real-Time Card Risk Scoring Engine: Model Building and Training Issuer/Processor Data Merchant information Global transaction history Global fraud database Card transaction history Computer Agent Time Profile Computer Agent Card Profile Computer Agent Merchant Profile Computer Agent Geographic Profile Neural Networks Data Mining Case based Reasoning Genetic Algorithms Fuzzy Logic

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business Real-Time Card Risk Scoring Engine: Model Building and Training Computer Agent Time Profile Computer Agent Card Profile Computer Agent Merchant Profile Computer Agent Geographic Profile Neural Networks Data Mining Case based Reasoning Genetic Algorithms Fuzzy Logic Real-Time Card Risk Scoring Engine

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business How iDetect Works 13 Real-Time Merchant Profiling Engine Real-Time Card Risk Scoring Engine

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business How iDetect Works 14 Computer Agent Time Profile Computer Agent Card Profile Computer Agent Merchant Profile Computer Agent Geographic Profile Neural Networks Data Mining Case based Reasoning Genetic Algorithms Fuzzy Logic Computer Agent Time Profile Computer Agent Card Profile Computer Agent Merchant Profile Computer Agent Geographic Profile Real-Time Card Risk Scoring Engine

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business How iDetect Works 15 Real-Time Merchant Profiling Engine Real-Time Card Risk Scoring Engine

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business How iDetect Works 16 Real-Time Merchant Profiling Engine Real-Time Card Risk Scoring Engine

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business How iDetect Works 17 Real-Time Merchant Profiling Engine Real-Time Card Risk Scoring Engine

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business How iDetect Works 18 Real-Time Merchant Profiling Engine Real-Time Card Risk Scoring Engine

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business iDetect Simulation Study 19 Commenced Avg. 150 Days Open Closed

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business iDetect Simulation Study 20 Commenced Closed Avg. 5 Days Open

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business iDetect Simulation Study 21 Commenced Closed Avg. 5 Days Open

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business iDetect Simulation Study 22 97% Reduction in Cards Compromised 53.2 Million cards SAVED 97% Reduction in Estimated Issuer Losses $438 Million issuer dollars SAVED 97% Reduction in Mechant Losses $29.4 Million Q4 Home Depot dollars SAVED Commenced Closed Avg. 5 Days Open

© 2015, Brighterion Inc. (all rights reserved) Keeping an eye on your business iDetect Simulation Study 23 97% Reduction in Cards Compromised 54 Million cards SAVED 97% Reduction in Estimated Issuer Losses $434 Million issuer dollars SAVED Commenced Closed Avg. 5 Days Open

Provides real-time results based on proven AI models Uses Brighterion’s patented Smart Agent technology to identify anomalous card-holder behavior and traces those results back to a Common Point of Purchase Detects data breaches within 5 days of the first transactions being executed by the criminals Discovers data breaches over 6 times faster than the closest competitive solution Saves Issuers, Merchants and Insurers over 90% of their total losses from data breaches Prevents brand damage that results from data breach media attention Generates increased revenues for Acquirers who resell iDetect to their Merchants Benefits