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Confidential: Debix, Inc.

Introducing the Debix

Instant

Authorization

Network

Identity Protection Instant Authorization

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We Asked Consumers What TheyWant

2

Other, pleasespecify, 5%

Assists you inresolving yourcase, after your

information is usedfor fraud, 19%

Detects [monitors]fraudulent use of

your

information, 20%

Prevents yourinformation from

being usedfraudulently, 56%

n = 441Base: Data breach victims

Javelin Strategy & Research

Q8: If a company or institution that experienced a data breach of yourpersonal information offered you an identity protection service, would youmost prefer a service that...(Select one only)

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We Asked Organizations What theIdeal Breach Solution Would Do

01/02/11 3

Stop attacks against breach victims

Determine if breached data is being used or not

Find the criminals Do it for less than traditional credit monitoring

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Standard Breach Remedy (CreditMonitoring) Falls Short

01/02/114

Consumers Credit FileCredit Monitoring alerts

1

23

Credit monitoring does not stop attacks

Consumers become victims

Criminals are long gone

1) Thief applies for a credit card

2) Bank pulls credit file and opens the account

3) Days later, the consumer notified about the fraud

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Debix Raised the Bar

5

Consumers Credit FileFraud Alert!

Call Debix to authorize

1) Thief applies for a credit card

2) Bank pulls credit file and sees fraud alert

3) Bank calls Debix and Debix automates and secures the authorization process.

1

2

3

Debix performs the authorization electronically

Highly scalable / fully automated platform (15k transactions per month)

Technology solution to ID theft problem

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Consumer Case Study

Confidential: Debix, Inc. 6

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Leading Organizations Switched toDebix

Government

Los Angeles Police Protective League

State of Ohio

State of Connecticut

State of Alabama

Nashville Metro

State of Louisiana

Education

Ohio State University

Penn State University

Vanderbilt University

University of Pennsylvania

Connecticut College

Healthcare

Tenet Healthcare Coventry Healthcare

Yale Medical Group

Fresenius Medical Care

Molina Health Care

Confidential: Debix, Inc. 7

Enterprise

Accenture

Assurant

Symantec

Financial Services

MetLife

Principal Financial Group

Liberty Savings Bank

Bellwether Community Credit Union

American Business Bank

Retail

Home Depot

H&R Block American Greetings

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#1 Reason They Switched

Stop Attacks Against Consumers

01/02/11 Confidential: Debix, Inc. 8

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Electronic Network is theElectronic Network is the

FoundationFoundation

9

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Debix Stops Credit Attacks

Credit Monitoring DOES NOT

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Is Your Information Being Used?

01/02/11 11

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Instant Notification When AttacksOccur

01/02/11 Confidential: Debix, Inc. 12

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OnCall Investigation Report

01/02/11 Confidential: Debix, Inc. 13

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Correlate Attacks to the Breach

01/02/11 14

Data Usedby thieves

Number of Days

Percent

ofAtta

ck

sStopped

Normal Level of Attacks1%

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You Will Know if Your Information isUsed

01/02/11 15

CreditMonitoring

Real-time visibility when an attack occurs

OnCall investigation into each attack

Analysis showing relationship to the breach

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What are you doing to find the Criminals

and stop them?

01/02/11 16

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Debix in Action a true story

17

Employee and Partner Data

including SSN, DOB, and

Credit Card Accounts

Criminals stole employee records from Aware Web

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18

Jeremy thought hedid the right thing,

notified everyone and

bought protectionJeremy Zeigler

CEO, AwareWeb

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24 Employees Became Victims

19

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Debix Stopped the Attacks andInvestigated

20

KATIE

Suspects: Organized group of

criminals who regularly break into

peoples mailboxes, homes and

offices and steal person information

to commit identity theft.

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Debix Can Find and Stop theCriminals

01/02/11 21

CreditMonitoring

OnCall Investigation Unit identifies suspects

Debix retired police officers serve hot cases

Assist local law enforcement

Remember: These attacks are deeply personal and your commitment to

pursue the criminals makes a real impact on consumers.

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We Havent Forgotten Those WhoWant Monitoring

23

Other, pleasespecify, 5%

Assists you inresolving yourcase, after your

information is usedfor fraud, 19%

Detects [monitors]fraudulent use of

yourinformation, 20%

Prevents yourinformation from

being used

fraudulently, 56%

n = 441Base: Data breach victims

Javelin Strategy & Research

Q8: If a company or institution that experienced a data breach of yourpersonal information off ered you an identity protection service, would youmost prefer a service that...(Select one only)

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But We Couldnt Bring Ourselves toSend Those Generic Email Alerts

This is a Credit Monitoring Alert!

Dear Julie Fergerson,

There has been a change to your credit file. Please go to www.xxxxxx.com.

1)Log in with your username and password

2)Go to detection tools

3)On the Credit Monitoring button, click on the Red Alert link.

Thank you,xxxxxxxxxxxx

http://www.xxxxxx.com/http://www.xxxxxx.com/

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Or Send You to Your Computer to Loginin and Navigate Five Screens to See

the Alert

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So We Reinvented Credit Monitoring

Debix now featuring

credit monitoring alerts

01/02/11 26

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Next Product: Debix Choice (Q2 2009)

27

Consumers Credit FileCredit Monitoring feed

Debix reinvents credit monitoring

1. Picks up account takeover (address changes)2. Identifies accounts from creditors who fail to call before opening accounts

1

2

Credit monitoring via Debix phone call

Press star key to investigate immediately

Makes Debix a safe choice with organizations

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Choice

Choose the level of protection that is right for you

01/02/11

28

Organization selectable

Consumer selectable

Debix Choice

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29

Turnkey Breach ResponseTurnkey Breach Response

ServicesServices

Features Choice Full Service

Price $45 $TBD

One year of enrollment

Online Enrollments & Mail-inEnrollments

Breach Notification Support Call Center Support Phone Based Registration

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Debix Preferred MembershipProgram

30

Debix Pre-Breach Programo Expanded pre-breach readiness

o Free - First 120 activation codeso 15% discount from pre-breach pricing

Employee Benefit Programo Financial Identity Theft Restoration for all employees

o Free for all employeeso 12 Month Subscription can be auto-renewedo Dedicated enrollment site and dedicated enrollment

windowo 50% Discount to Upgrade to the DebixChoice

platform (approximately $49)

Monthly Subscription Fee based on number of

employees

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Questions

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One Year Free Subscription

http://www.debix.com/thankyou

Incident Response Workbook

http://www.debix.com/workbook

Consumer Survey On Data BreachNotification can be downloaded at

http://www.debix.com/javelin

Debix Identity Theft Studyhttp://www.debix.com/research

http://www.debix.com/thankyouhttp://www.debix.com/video.phphttp://www.debix.com/javelinhttp://www.debix.com/researchhttp://www.debix.com/researchhttp://www.debix.com/javelinhttp://www.debix.com/video.phphttp://www.debix.com/thankyou