1. B-CERB complete protection against phishing copyright 2008 by Wheel

2. B-CERB complete protection against phishing copyright 2009 by Wheel 2 Various methods of authentication available on the market

3. B-CERB complete protection against phishing copyright 2009 by Wheel 3 According to Accenture research

4. B-CERB complete protection against phishing copyright 2009 by Wheel 4 We notice an increasing popularity of token-based solutions which are relying on mobile phones, and we anticipate that 50 per cent of the future market of two- component authentication will be using this form of protection. Dr. Allan, market research vice-president, Gartner 4 Information from the market

5. B-CERB complete protection against phishing copyright 2009 by Wheel 5 Wheels answer! B-CERB, authentication and authorization system using mobile phone as one of the methods for login and confirmation of transactions Only as effective protection against phishing!

6. B-CERB complete protection against phishing copyright 2009 by Wheel 6 CERBToken, functionality Login to the bank (one time passwords) Verification of the identity (challenge - response) Confirmation of transactions (challenge - response)

7. B-CERB complete protection against phishing copyright 2009 by Wheel 7 Download, installation, activation +48 600 000 123 CERBToken Activation code BANK

8. B-CERB complete protection against phishing copyright 2009 by Wheel 8 Login Login to your account User name Password John Kowalsky 46914026 login

9. B-CERB complete protection against phishing copyright 2009 by Wheel 9 Transfer confirmation Data transfer Recipient name Address Account number Amount confirm Transfer confirmation confirm Operation code: 3 8 7 0 5 0 0 0 7 Confirmation code: Your transfer has been accepted! John Kowalsky Akacjowa Street Warsaw 43 0000 0000 0000 0043 1000,00 387050007 84659281

10. B-CERB complete protection against phishing copyright 2009 by Wheel Verification of the banks customer identity 204270 790549 Bank calls the customer and ask for generation of verification codes BANK

11. copyright 2009 by Wheel B-CERB kompletne zabezpieczenie przed phishingiem 11 CERBToken for BlackBerry CERBToken for Windows Mobile CERBToken for Java Mobile CERBToken – an ultimate method of authentication in CERB CERBToken for iPhone now in AppStore !

12. B-CERB kompletne zabezpieczenie przed phishingiem copyright 2008 by Wheel 12 CERB is not only the CERBToken! We offer also other modules of authentication: SMSToken scratch off cards, e-mail, other equipment tokens of third parties

13. B-CERB kompletne zabezpieczenie przed phishingiem copyright 2008 by Wheel 13 BANK office IVR web call center other product I product II product III JavaToken passwor d... The same customer – multiple channels of access to products

14. B-CERB kompletne zabezpieczenie przed phishingiem copyright 2008 by Wheel 14 One customer Different authentication methods Different channels of access Access to different products The same customer – multiple channels of access to products

15. B-CERB kompletne zabezpieczenie przed phishingiem copyright 2008 by Wheel 15 Bank system e-Banking m- Banking Database CERB office Call center IVR CERBToken generation server CERBAPI CERBToken distribution server WEB GUI INTERNET / GSM broker GSM JAAPI System infrastructure – complete system

16. B-CERB kompletne zabezpieczenie przed phishingiem copyright 2008 by Wheel 16 Bank system e-Banking m- Banking Database office Call center IVR CERBToken generation server CERB engine CERBToken distibution server WEB GUI INTERNET / GSM broker GSM JAAPI System infrastructure – engine

17. B-CERB complete protection against phishing copyright 2009 by Wheel 17 Security. Application. secure installation (activation code) protection against brute force attack (non-verifable PIN) protection against copy application to another phone protection against overwriting of application possibility of passwords configuration challenge – response personalization

18. B-CERB complete protection against phishing copyright 2009 by Wheel 18 Security. System. protection against theft of logins, static password and hidden passwords (one time passwords) protections against theft of password to digital signature (challenge - response) protection against interference in work of OS (challenge – response) protection against phishing protection against man in the middle attack protection against trojans

19. B-CERB complete protection against phishing copyright 2009 by Wheel 19 Furthermore… very competitive price no logistics cost (no hardware tokens, no TAN cards, etc) price in polish zloty high usability great marketing argument: only as effective protection against phishing another argument: very innovate solution Wheel is polish company (we can modify system according to your expectations).

20. B-CERB complete protection against phishing copyright 2009 by Wheel 20 CERB system, total cost of using CERB system maintenance costs, increasingly year-round support logistics costs (only the cost of SMSs) no costs in case of lost applications no costs of appliction renewal Maintenance costs of a system based on equipment tokens, increasingly year-round support logistics costs (delivery of devices) costs of lost devices (lost, broken - usually around 10%) costs of devices renewal (usually after every 3 years) comparison of total costs after 5 consecutive years of using for 50.000 users

21. B-CERB kompletne zabezpieczenie przed phishingiem copyright 2008 by Wheel 21 CERB system, our references

22. Thank You. Time for questions. copyright 2009 by Wheel, kontakt: info@wheel.pl