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ONLINE GAMING / GAMBLING KNOW - YOUR - CUSTOMER AND RISK MANAGEMENT

CAMS PROVIDES ONLINE GAMING AND GAMBLING SITES WITH: PAYMENT CONNECTIVITY KNOW YOUR CUSTOMER RISK MITIGATION CENTRAL CLEARINGHOUSE © 2013 CAMS, LLC All rights reserved | CONFIDENTIAL CAMS IS PCI LEVEL 1 CERTIFIED / HEADQUARTERED IN LOS ANGELES, CA 3 INTRODUCING CAMS

© 2013 CAMS, LLC All rights reserved | CONFIDENTIAL4 KEY CONCERNS WHO Who is trying to play? WHEN When they connect are they using a device identified with negative activity? WHERE Where are they located? Is it legal there? WHAT What are they trying to hide from you? HOW How are they trying to play? WHY Why are they trying to use your system? Most importantly…

© 2013 CAMS, LLC All rights reserved | CONFIDENTIAL5 KEY DEFINITIONS KYCKnow Your Customer KBAKnowledge Based Authentication DEVICE ID“Fingerprint” GEO-LOCATIONConnection & Device SPOOFINGFaking CNPCard Not Present vs. Card Present

REGULATOR, OPERATOR AND ISSUER CHALLENGES PROBLEM GAMBLER Self-Exclusion List Maintenance Flag and Limit Addicted Gamblers Provide GA Meeting Information © 2013 CAMS, LLC All rights reserved | CONFIDENTIAL6 KNOW YOUR CUSTOMER Underage Gambling Device ID & IP Geo-Location High Risk Detailed Player Data MONEY LAUNDERING Velocity Controls Deposit and Payout Monitoring Tiered player limits requiring additional identity checks TAXATION AND PAYOUT State and Federal Liability IRS Filing Net Payouts PLAYER LIMITS Fixed Monthly Deposits Increased Limit Approval Monthly Account Balance Management

Underage GamblingXX Velocity ControlsXXX Identity ChecksXXX Address CheckXXX Money LaunderingXXX High RiskXXXX Brand ProtectionXXXX Addiction / Self - Exclusion XXX Tiered LimitsXX Know Your Customer Geo-Location Device ID Central Clearing © 2013 CAMS, LLC All rights reserved | CONFIDENTIAL7 THE REQUIRED SOLUTIONS

© 2013 CAMS, LLC All rights reserved | CONFIDENTIAL8 * Currently processing with existing Verifi customers/ ** Currently integrating/ *** Specs received – under review A LAYERED APPROACH *** * * * GEO-LOCATION * * *** DEVICE INTELLIGENCE ** * *** / * * * ANTI-MONEY LAUNDERING USER AUTHENTICATION *** * ** * *** ** *** * KYC / CONSUMER INTELLIGENCE

Vendor C Vendor B © 2013 CAMS, LLC All rights reserved | CONFIDENTIAL9 WATERFALL TECHNOLOGY Example: KNOW-YOUR-CUSTOMER Typical ID success is between 90% to 95% Using a “Waterfall” approach, CAMS flows each unmatched query to the next vendor to improve match rates. Vendor A No Match Match

© 2013 CAMS, LLC All rights reserved | CONFIDENTIAL10 LAYERED TECHNOLOGY Example: GEO-LOCATION Geo vendors can have false positives/negatives CAMS “Layers” vendors that respond to simultaneous call-outs Merchants receive the CAMS Confidence Score that determines player’s location Vendor AVendor BVendor C

© 2013 CAMS, LLC All rights reserved | CONFIDENTIAL11 AGE / ID – FOUR STEPS STEP ONE Customer Data Entry Name and Address DOB SSN STEP TWO Analytical Search Billions of data sources Identity discrepancies Positive matches STEP FOUR Identity Results Approval Failure and escalation KBA (if necessary) STEP THREE Identity Fraud Detection Check for fraud activity Fraud detection analytics Minimize risk and loss

© 2013 CAMS, LLC All rights reserved | CONFIDENTIAL12 GEOLOCATION CHALLENGES

Mobile/Web Cam Card Acceptance Faster transaction: (4 Seconds vs. 50 seconds) Lower abandonment rate Frictionless user experience SIMPLIFY CARD ENTRY FOR YOUR CUSTOMERS – QUICKLY AND EASILY CAPTURE CARD INFORMATION USING THE PHONE OR COMPUTER ’ S CAMERA 1) Card image captured 2) Fields are auto - populated © 2013 CAMS, LLC All rights reserved | CONFIDENTIAL MOBILE / WEB CAM CARD ACCEPTANCE 13

Mobile/Web Cam ID Verification Show your ID to the web camera YOUR FOOTER Capture ID on mobile/web cam Identification is validated Increase transaction security Added fraud protection IMAGE CAPTURE FROM THE MOBILE OR WEB CAMERA CAN HELP VERIFY A CUSTOMER ’ S ID TO PROTECT AGAINST FRAUD AND TRANSACTION RISK. © 2013 CAMS, LLC All rights reserved | CONFIDENTIAL MOBILE / WEB CAM ID VERIFICATION 14

© 2013 CAMS, LLC All rights reserved | CONFIDENTIAL15 PLAYER $7,500 $2,500 $1,500 (Assume $5,000 Balance Limit) Limit exceeded across poker sites No consolidated player monitoring OPERATOR LIABILITY ISSUE CENTRAL CLEARINGHOUSE THE EXTRA STEP PLAYER $5,000 $2,500 $1,500 (Assume $5,000 Balance Limit) $5,000

© 2013 CAMS, LLC All rights reserved | CONFIDENTIAL16 CENTRAL CLEARING HOUSE THE EXTRA STEP THE RISKS  Multiple Accounts  Exceeding Limits  Problem Gambler  Banking Risks  Approvals and 7995  Brand Damage THE SOLUTION  Account Limits  Loss Limits  Velocity Controls  Self-Exclusion/Alerts  Deposit Approval  Objective Data AN OBJECTIVE APPROACH FOR MANAGING CUSTOMER RISK ACROSS PLATFORMS

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