The Identity Bureau. Your identity portal to the world

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1 The Identity Bureau Your identity portal to the world

2 The Identity Bureau Trulioo is your international solution for identity verification Trulioo is a leading RegTech company that provides operational efficiencies and cost benefits to customers with its international solution for identity verification. With the ability to verify and authenticate 4.5 billion people worldwide, Trulioo offers the most robust and comprehensive identity intelligence data from hundreds of independent, reliable and unique sources from around the globe. Our technology allows for seamless integration of identity information into existing systems to perform frictionless, on-demand ID verification at a competitive price. GLOBALGATEWAY 60+ Countries, 4+ Billion People, 1 Solution GlobalGateway is an online identity verification platform developed for the international market. Our product was created specifically to help businesses comply with cross-border Anti-Money Laundering (AML) and Know Your Customer (KYC) rules and has since evolved to support a diverse range of international electronic identity verification requirements (eidv). September, Trulioo, , Trulioo 2 of 10 pages

3 Don t stop your business at the border GlobalGateway can support your business not only in your local market but throughout the world. If your business is expanding internationally with new offices abroad or through web services to other countries, then GlobalGateway is the one solution that can help you reach these new markets, stay compliant with different regional AML regulations, and mitigate risk to your business from fraud. Other identity service providers stop at the border GlobalGateway is the one service that gives you an identity portal to the world. Why Choose GlobalGateway for eidv? International eidv for 60+ Countries Through One Integration Multiple Integration Options On-demand eidv from over 200 data sources GlobalGateway offers a truly convenient one-stop eidv solution for your business. The ability to customize rulesets allows you to take advantage of the multiple sources that are available to maximize your match rates. Additional fields like driver license expand verification beyond the key identity fields of name, address, and date of birth. GlobalGateway is a straightforward process, which is the most economical and fastest way to verify prospects. You can minimize verification costs by using GlobalGateway first and sending only nonverified customers to other secondary high-touch, more expensive verification processes. Your business can directly access identity information through a rich mix of these datasources: Address Verification AML/KYC Identity Verification Cyber Data and Associated Risk Scoring Credit Header Data Electoral Roll Government Issued National ID Consumer Marketing Property Files Public Data Telephone/Utility Records Watchlists Cyber data* Competitive Pricing 3 of 10 pages

4 GlobalGateway Features International access is GlobalGateway s unrivaled business advantage, but the service also has features that enable fast implementation in new markets while easily adapting to requirements of different segments and regions. Here are the top features of GlobalGateway that will help your business: Multiple integration options Once you decide to go international, you can now bypass long approval processes and cumbersome integration with the best integration option that suits your business needs. In addition to the XML Direct integration and Web Portal access, Trulioo also offers the Normalized API, which entails a Normalized set of data fields across all available countries in GlobalGateway. The Trulioo Normalized API is a RESTful based API that leverages JSON - a text format that facilitates structured data interchange between programming languages. Helpful step-by-step video tutorials and documentation is available online to assist in expediting the development timeline. The Trulioo Normalized API reduces the time and effort required to integrate GlobalGateway into your automated business processes or website. Whether you choose XML Direct, Portal, or the Normalized API for identity verification, we commit to giving you unparalleled support services through your assigned Trulioo Customer Success Manager. Flexible rule configuration Breadth of data and configurable rulesets are two critical factors that influence match rates. GlobalGateway allows complete customization of the ruleset. You define the rules based on your risk assessment, AML requirements for a given country, the specific needs of your industry, and the risk profile that you decide is best for your business. Customer Success Managers support clients in rule design and implementation. Customizing rules gives you the highest number of customer verifications possible without allowing fraud or illegal activity to pass your verification gate. Global entry customized screens Data entry screens on the portal adjust automatically to assist with entry of the correct information for each country, maximizing match results. Countries also have entry assist features, such as drop-down list suggestions for options based on an entered postal code, speeding manual entry and reducing error. Transaction review GlobalGateway keeps track of every identity verification match that you run. When you need to run an audit or produce detailed reports of your verifications, you can access all of the information quickly and easily via GlobalGateway s Transaction Review. This feature provides instant visibility into all transactions and allows for easy resubmission as new information becomes available from prospects during the verification process. Watchlist International Watchlist screening is an important part of the on-boarding process for many industries. GlobalGateway offers comprehensive coverage of global AML risk data sources including sanction lists (such as OFAC, UN, HMT, EU, DFAT, and many more), law enforcement lists (Interpol, country specific government and state agencies, and police forces), and governing regulatory bodies (financial and securities commissions) from around the world. 4 of 10 pages

5 Cyber Identity Verification What is Cyber Identity? A cyber identity is a montage of information taken from a person s activity on the Internet. This information is aggregated and resolved to a single identity from sources including social login providers, ad networks, mobile applications, e-commerce websites, and social networks. How is Cyber ID verified? In order to utilize Cyber Identity information for electronic identity verification, this information must be determined to be reliable. The processes of establishing that a cyber identity is reliable is known as Social Verification and is accomplished by leveraging machine-learning algorithms to determine the authenticity of online profiles in real-time. Having performed over 100 million verifications worldwide, Trulioo incorporates Cyber ID in its GlobalGateway service for specific markets. What is Cyber ID used for? Higher Match Rates: Match to identities in hard-to-cover demographics such as youth, retired, military and new immigrants, e.g. thin-file customers. Increased Coverage: Get access to countries where traditional data sources are unavailable. Increased Confidence: Additional source of information for triangulating a user s identity; augments traditional data sources. Creates Security Standards: Block users who are capable of disrupting your business, damaging your brand and committing fraud. Provides a Layer of Trust: Users will feel safe engaging online and performing online transactions knowing that you are taking the right steps to remedy bad online behaviors, such as cyberbullying, fake reviews and identity fraud.. Adds Value to Your Platform: Increase the accuracy of your user metrics for more effective decision-making. Enables Acquisition of Real Customers: Weed out the bots and fraudsters to focus only on authentic profiles. Trulio, of 10 pages

6 Why Choose GlobalGateway for ID Document Verification? ID Document Verification for 95+ Countries International eidv for 60+ Countries GlobalGateway eidv and Document Verification Solution Trulioo s electronic identity verification (eidv) platform, GlobalGateway, offers a truly convenient one-stop identity verification solution for your business. The combination of eidv and ID Document Verification during the Customer Due Diligence check can assist our clients in meeting their Anti-Money Laundering (AML), Know Your Customer (KYC) and Counter Terrorist Financing (CTF) compliance requirements, as well as reducing the risk of fraud. ID Document Verification analyzes, verifies and authenticates 3,500 different types of identity documents from nearly every country in the world. Trulioo s document verification partner performs checks to determine the authenticity and legitimacy as well as to ensure a document it is not forged or altered. Trulioo is the first global identity verification provider in the market to offer this combined service through a single solution. Global AML Watchilst Checking Assist in AML/KYC compliance, and reduce the risk of fraud Global eidv, Document Verification, and AML Screening through a single integration and contract Trulioo, September, , Trulioo 6 of 10 pages

7 Identity Document Verification and Facial Comparison Technology When doing business online, it is imperative to validate, verify and authenticate a customer s identity to help mitigate risk, reduce fraud, and adhere to a diverse range of compliance requirements, especially for regulated businesses transacting across borders. On-demand ID Document Verification augments GlobalGateway s access to over 200 reliable and independent data sources, including credit, electoral roll, government, public, telecommunication, utility, and consumer files. If a customer is not verified during the initial account creation process through eidv, Trulioo clients can request the customer to upload a valid ID document online or through a mobile device and perform ID document verification. Trulioo s ID Document Verification partner applies patented advanced machine learning algorithms to instantly authenticate that the identity document presented is an original, governmentissued ID document that has not been altered and provides data extracted using Optical Character Recognition (OCR), and Barcode scanning technologies. This process helps to mitigate the high abandonment rate of potential customers, who, using traditional methods may have had to wait up to 7 days to have their manually submitted ID documents reviewed. To enable advanced fraud prevention through a second layer of biometric authentication, a customer may also submit a selfie through their mobile device during registration. If a selfie was submitted the partner also verifies the person in the selfie is the same as the person in the ID Document Image. White Spots Under/Over Exposure Template Match Blurriness MRZ Checksums Data Compare Document Number Algorithms Document Verification Powered By: 7 of 10 pages

Trulioo s Real-Time Business Verification Service Trulioo s Real-Time Business Verification service enables clients to fully automate the retrieval of company vitals from commercial registers

8 Trulioo s Real-Time Business Verification Service Trulioo s Real-Time Business Verification service enables clients to fully automate the retrieval of company vitals from commercial registers worldwide to help streamline workflows for Know Your Business (KYB), Anti-Money Laundering (AML), Know Your Customer (KYC), and Customer Due Diligence (CDD) processes. The legal requirements for verifying business entities has significantly changed to meet newly adopted principles around the world that aim to eliminate forged or manipulated documents as the official record of authority of business entities and provide more transparency of beneficial ownership to ensure detection and prevention of fraud, corruption, tax evasion and criminal activity such as money laundering. Previously, verifying a business entity was a low-tech and cumbersome process for both the financial institution and business entity. Business entities were required to submit official documentation to the financial institution, which was accepted as the record of authority for the business. For business entities that required additional due diligence based on the risk assessment performed, financial institutions would then carry out additional analyses, such as ordering official company documents from the official registry to verify accountholder-submitted information; identifying the ultimate beneficial owner(s), and performing a KYC check on each individual ultimate beneficial owner. Trulioo s On-Demand Business Verification analyzes, verifies and provides data intelligence for business entities in over 84 countries. During due diligence, Business Verification assists clients to automate compliance workflows, decrease the risk of fraud, reduce manual front-to-back office operations, take advantage of digital processes, and allow staff to focus on key compliance considerations. Through a single RESTful API, clients gain instant access to: 250 Million companies in over 84 countries around the world 180+ government registers and public records Official company documents from government registers Ultimate Beneficial Owners 8 of 10 pages

9 Trulioo s Business Verification Service allows you to: Verify the Business and Perform an AML Check In real-time, verify a company s vitals, including business registration number, company name, address, status, key management personnel, and date of incorporation, through government registers and public records. Complete an AML check of the business through PEP, sanction and criminal watch list sources. Identify the Ultimate Beneficial Owners (UBO) Ultimate beneficial ownership and structure are identified using Artificial Intelligence (AI), Natural Language Processing (NLP) and Optical Character Recognition (OCR). The implementation of these technologies provides the ability to locate, decipher and extract shareholder information contained in official company documents purchased in real-time from government registers. This enables organisations to determine natural-persons who have an ownership or a management stake. Record of Authority As a Record of Authority during the due diligence process, download and retain copies of official company documents (such as shareholder reports) submitted to government registers. Perform AML/KYC Checks on UBO(s) In order to meet KYC requirements, perform instant electronic identity verification (eidv) for all individuals deemed to be a UBO. It is imperative for regulated businesses to validate and verify business clients and beneficial owners identities to help mitigate risk, reduce fraud, and adhere to a diverse range of compliance requirements. Automated Workflow for Verifying Businesses and Beneficial Owners Enter a company name Receive company vitals Analyze ownership structure and percentages Identify beneficial owners Perform AML/KYC checks on beneficial owners Business Verification Simplified Combining Trulioo s Electronic Business Verification, Electronic Identity Verification (eidv) and ID Document Verification solutions, clients gain secure access to reliable data sources to instantly verify business entity details, perform watchlist checks, and identify and verify the ultimate beneficial owners (UBOs) of the business all through a single API integration. 9 of 10 pages

10 GlobalGateway International Coverage: With access to over 4.5 billion identities, GlobalGateway provides eidv coverage in 60+ countries, ID Document Verification for 95+ countries and Business Verification in 84 countries today and these numbers continue to grow. Contact our sales team for the latest data coverage information. Argentina Australia Austria Belgium Brazil Canada Mexico Netherlands New Zealand Norway Peru Portugal REQUEST A DEMO TODAY! China Columbia Russia Singapore Seeing is believing With GlobalGateway, expand your business to international territories. The best way to see how GlobalGateway can help your business is to try it today. Request a demo today and you will discover an unmatched identity portal to the world! Experience GlobalGateway What are you waiting for? Call Trulioo today: 1 (888) Denmark Egypt France Germany Hong Kong India Ireland Italy Japan Saudi Arabia South Africa South Korea Spain Sweden Switzerland Turkey UAE Ukraine Jordan United Kingdom Lebanon United States Luxembourg Malaysia Venezuela and more 10 of 10 pages

IDENTITY RESOLUTION & VERIFICATION KNOW YOUR DATA KNOW YOUR CUSTOMER GLOBAL INTELLIGENCE 800.MELISSA ( )

IDENTITY RESOLUTION & VERIFICATION KNOW YOUR DATA KNOW YOUR CUSTOMER 800.MELISSA (635.4772) TM www.melissa.com GLOBAL INTELLIGENCE 62% of companies were targets of payments fraud last year. Source: 2015