1. © 2011 Aristotle, Inc. All Rights Reserved. Why Johnny Can't Play: Creating Websites for Grown Ups

2. © 2011 Aristotle, Inc. All Rights Reserved. Aristotle Misconceptions about Age Verification  Many websites offer Age “Affirmation” and call it Age Verification including large in Alcohol, Tobacco, even Twitter/Apple

3. © 2011 Aristotle, Inc. All Rights Reserved.  What the public thinks… Aristotle Misconceptions about Age Verification  Perception is that access to iGaming for under age cannot be controlled, or restricted. Causes political fallout that supports non-gaming interests and PR issues for brand conscious gaming companies

4. © 2011 Aristotle, Inc. All Rights Reserved.  European Approaches  Many tools to combat underage access  US Approaches –Nevada –New Jersey –Lotteries  Other Considerations  Good examples from other industries Aristotle What is the Real Story about Age Verification and Johnny

5. © 2011 Aristotle, Inc. All Rights Reserved. Aristotle European Approaches Government Data Access Italy, Spain, Denmark Country supplies data to iGaming Operators for Age Verification In-Person Verification German (Proposed) Customer must be verified “in Person” at post office or bank Risk Based Approach England, Gib., Alderney, Malta, others iGaming Operator must apply a risk- based approach to validation of age and Identity – Financial Svcs. Approach similar to KYC Document and Post Office France Customer must upload Identity Documents and enter code that is mailed to the home address

6. © 2011 Aristotle, Inc. All Rights Reserved. Aristotle Many Tools to Age Verification  Gold Standard in Age Verification is a risk based approach  Employ multi-level approach to respond to level of risk and the validity of the identity response  Financial service approach Integrity IDV: Age and Identity Check using Multiple Databases and identity algorithms Integrity Quiz: Knowledge Based Authentication (KBA) using out of pocket challenge questions Integrity Documents: review ID Documents with manual and software checks on identity information and document form Integrity Face-to- Face: Video Verification using Skype of another form of video interaction  Aristotle provides an integrated service that restricts access based upon a combination of technology, data resources, and risk based service offering

7. © 2011 Aristotle, Inc. All Rights Reserved. Aristotle State iGaming Age Verification  Age Verification in Nevada and New Jersey  Regulations and developing Regulations  Other States and Lottery Market

8. © 2011 Aristotle, Inc. All Rights Reserved. Aristotle Other Considerations  The Credit Card Accountability Responsibility and Disclosure “CARD” Act of 2009 and how impacts visibility of younger clients  Good because it limited access to credit for under 18; Bad because credit reference agencies have no visiblity  Consider other government data such as Drivers License and Voter data

9. © 2011 Aristotle, Inc. All Rights Reserved. Aristotle Other Considerations  “Soft Mark” from Credit Inquiry not so soft Credit impact for identity verification leaves an inquiry in name of casino or iGaming operating entity In Ireland this impacted borrowing limits for online gamblers

10. © 2011 Aristotle, Inc. All Rights Reserved. Aristotle Good Example from Tobacco  California Business & Professions Code §22963 requires internet sellers of tobacco products to attempt to ‘match the name, address, and date of birth provided by the customer to information contained in records in a database of individuals whose age has been verified to be 18 years or older by reference to an appropriate database of government records kept by the distributor, a direct marketing firm, or any other entity.’  Federal PACT Act: verifying the information provided in sub-clause (I), through the use of a commercially available database or aggregate of databases, consisting primarily of data from government sources, that are regularly used by government and businesses for the purpose of age and identity verification and authentication.

11. © 2011 Aristotle, Inc. All Rights Reserved. www.aristotle.com Integrity: Gold Standard in Online Age and ID Verification  World Class Customers  Verification of Adult Citizens in over 150 Nations  Sophisticated Multi-Level Approach to Age Verification –Datasets comprising of government issued & publicly available personal data and algorithmic analysis  Ten+ years of age and ID verification experience

12. © 2011 Aristotle, Inc. All Rights Reserved. www.aristotle.com Aristotle Integrity: Global Gold Standard for Identity and Age michael.bolcerek@aristotle.com