BIOMETRICS CONSORTIUM CONFERENCE BALTIMORE, MARYLAND September 19 – 21, 2006 Bill Wipprecht EVP/Chief Security Officer Corporate Security Wells Fargo & Co.

BIOMETRICS n Access Control n Customer Service n Fraud Prevention

BIOMETRICS n Recognition n Authentication n Identification / Verification

BIOMETRICS n Access Control Data Centers Safe Deposit Boxes Store Access Control

BIOMETRICS n Automated Self-Service Deposit Boxes

BIOMETRICS

n Access Control - Store Access Control

BIOMETRICS n Customer Service Voice Recognition

BIOMETRICS n Fraud Prevention Thumbprints Fingerprints Photos on Credit Cards Electronic Signature Facial Recognition

BIOMETRICS Wells Fargo Facial Recognition Program

BIOMETRICS Robbery Wanted Poster

BIOMETRICS n Facial Recognition Search by face 1 Across branches & time 2 Robust to false identities 3

BIOMETRICS Pilot Program Overview n 15 FRT systems deployed across branches in a national fraud hotspot n Represents the largest distributed biometric surveillance test in the banking industry to date n Multiple tests conducted to measure accuracy, false positives, investigative productivity, and effectiveness. n Test conducted jointly by 3VR and Wells Fargo

BIOMETRICS Real-Time Watchlist Test Test Methodology n 5 independent subjects hired to perform test transactions n All subjects enrolled into a single FRT system and onto a watchlist n Watchlist alert auto populated to all branches n Test subjects visited each of 15 pilot branches over 3 days MetricResults Matching Accuracy63% Nuisance Alert Rate.07% Number of Sites 15 branches Total Faces Analyzed 104,915 Results (Post-Tuning)

BIOMETRICS Investigation Test Results (Post-Tuning) Metric3VR Results Investigation Speed37% faster Quality of Evidence Images 100% higher quality Number of New Events Found 560% higher Test Methodology n Two investigators given same fraud case. n One investigator used legacy DVR, one used 3VR n Investigators instructed to find additional instances of a suspect within the same bank branch.