Investor Presentaiton

A collaborative approach is needed Banks, Merchants & Payment Processors • Understand that cyber attack is now a matter of inevitability; every bank is likely to be attacked. It's a question of how far it gets. • • Do not view information security as just IT's problem. It is the responsibility of stakeholders from across the business. Share intelligence with other financial institutions in a collaborative manner. PCİ • Regular Vulnerability Assessment and Penetration Testing DSS COMPLIANT COMNIMML • • Compliance with Leading Standards (ISO, PCI DSS etc). According to Verisign 2012 Data Breach Report, 96% of victims subject to PCI DSS had not achieved compliance1 Background check for employees during recruitment. Build redundancy into networks & perform real time backups • Continuous customer enlightment • Encryption of customer data both at rest and in motion. 1.http://www.verizon business.com/reso urces/reports/rp_data-breach- investigations-report-2012_en_xg.pdf • • Security should not be an after thought when a product is functional but security should be considered right from the design phase of the product life cycle development. Ensure ongoing Business Continuity Plan (BCP) and Disaster Recovery Plan (DRP) testing program 23

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