1. Presidio Bank Business Online Banking Security Overview

2. What We Are Doing To Fight Cybercrime 2 A layered security approach using these elements Multi-Factor out of Band Behavioral Analytics and Transactional Anomaly Detection Data Encryption VPN Tunneling Keyboard Encryption Harden Shell Browser and Operating System Tokens Anti-Virus Software Strong Password Configuration

3. Layered Security Solution 3 Taking a unique approach which assumes the client’s computer is infected It’s difficult to clean a computer, so we run our own sterile “computer” on the client’s hardware Malware is not a factor, as the hardened platform inclusion of an operating system and browser are not effected by today’s infections VPN Tunneling prevents hacking and provides two way authentication Keyboard encryption stops key logging thereby preventing Man in the Middle attacks Secure Encrypted VPN Tunnel Client Bank

4. Layered Security Solution 4

5. Additional Security Features 5 1. Systemic Boundaries Limits (size, frequency) Qualification/disqualification rules Risk Parameters for different segments Automated handling of exceptions 2. In-Session Controls Risk Scoring Knowledge based authentication (KBA) Multi-factor authentication (MFA) Feedback Alerts 3. Impact Reduction Recovery Fraud investigation Link Analysis