SCHEDULE OF SERVICESSynectics Solutions

02

Synectics Solutions provide services across a range of industries in the UK and internationally. For 20+ years, we have been providing leading edge data solutions to help organisations harness the power of data.

The systems we build and host for our clients are highly successful in creating more profitable customer relationships, reducing risk, combating financial crime, and enabling organisations to meet their compliance and regulatory commitments.

We achieve this by working with our clients to create innovative solutions that meet their data driven challenges. We are renowned in the markets in which we operate for our dedication to customer satisfaction and for providing highly tailored solutions that meet our clients’ complex needs.

We are proud of our unique company culture in which we nurture our employees and empower them to fulfil their potential; this enables us to work together to achieve excellence in all of our business operations.

This document summarises the diverse and vast range of product and service offerings available across multiple sectors that enable our clients to further enhance their fraud prevention and detection capabilities, whilst reducing financial exposure and supporting best business practices and efficiencies.

Introduction

For more information on any of our product and service offerings please contact us.

Email: info@synectics-solutions.com

Call: 01782 664 000

03

SIRA is a market leading solution which includes a wealth of functionality including data cleansing routines, rule and workflow configuration, and processing of consortium data including National SIRA and CIFAS+ (subject to membership). The financial crime landscape is continually evolving and new threats emerge on a daily basis. As a result, Synectics Solutions continually seeks to improve the SIRA system through identification of value added services. This continual improvement process ensures that the needs of the industry are met and that our clients get the most from the solution. This document outlines the diverse range of additional services which are available for integration, enabling users to further enhance their fraud prevention and detection capability. These include optional additional components, data services, and software modules.If there are any services which are not listed but would add benefit to your organisation, please contact us using the contact information on the previous page and we will be happy to discuss.

Our Orion and AppCheck products are also available direct to the private sector. Please turn to pages 09 and 11 to find out about these services.

With some of the most advanced and flexible data service architecture available, Synectics Solutions provides organisations large and small with a truly industry leading fraud prevention and detection platform. Not only do we enhance our clients’ fraud prevention capabilities, we also offer a range of solutions to support business efficiencies around regulatory requirements such as KYC (Know Your Customer), AML (Anti Money Laundering), and ID&V (Identification and Verification).

04

Quote Screening

Quote Screening enables users from the Insurance sector to identify fraud matches at the point of quote in real time. There are two different methods available:

+ Direct (provided directly by Synectics Solutions)

+ Via IQ (provided in partnership with Insurance Initiatives Ltd)

Recall

Open account screening on an ad-hoc or regular basis, enabling clients to achieve regulatory compliance and providing ongoing management of fraud risks across the existing customer base.

The service allows the accounts to be screened against any combination of SIRA data services.

Third Party Administration

The service enables screening of third party applications through the SIRA solution, providing a facility which can be used for the purpose of on-going management of panels (i.e. brokers, solicitors).

The service allows for screening against any combination of SIRA data services.

Transactional Monitoring System (TMS)

The solution enables users to extend the reach of SIRA by providing fraud prevention and anti-money laundering screening on live accounts and the associated transactional behaviour.

The solution includes a customisable referral strategy through the deployment of user defined rules and work queues.

Credit Bureau Call

Flexible, seamless access to Electoral Roll, County Court Judgments, Credit Account performance, Linked Addresses and more. The service can be provided via a link to a preferred UK Credit Reference Agency and can be accessed on an ad-hoc or automated basis.

CallValidate

An ID Verification and Bank Account / Credit Card checking service integrated into the SIRA solution via an automated and integrated web services call to Callcredit.

The results are used to generate pre-defined alerts which can then be incorporated as indicators within the overall referral strategy.

CallML

An ID Verification service integrated into the SIRA solution via an automated and integrated web services call to Callcredit.

The results are used to generate pre-defined alerts which can then be incorporated as indicators within the overall referral strategy.

Claims Underwriting Exchange (CUE)

Validation against the CUE dataset which holds details of all motor, home and personal injury incidents reported to insurers.

The service can be integrated via an automated web services call to a preferred supplier. Alerts can be used to highlight misrepresented claims histories, multiple claims and potentially fraudulent claims.

Additional Components

Data Services

Case Management

An integrated case management tool which allows all activity and information related to an investigation to be captured and stored within a central repository.

Outcome data (including associated financials) can be incorporated, allowing management information to be created and disseminated to key stake holders. This component leverages the SIRA workflow capability and information can be imported to avoid the need for manual data entry.

Employee Vetting

Employee Vetting offers a flexible screening service which focuses on employee data, including temporary staff and contractors.

Employees can be screened on an ad-hoc or regular basis (at point of hire or throughout employment) against any combination of available SIRA data services.

Please note that access to some data services may require direct negotiation with the respective third-party supplier.

05

Companies House

Integrating this service provides automated validation against the Companies House register during loading or ad-hoc searches via hyperlink click-through on the SIRA user interface.

Criminal Intelligence

Using the Criminal Intelligence data service provides automated validations against a dataset containing alerts and warning notices provided by law enforcement agencies such as the National Crime Agency and the Metropolitan Police. The resulting alerts can be integrated directly within the overall referral strategy.

Disclosure of Death Registry Information (DDRI)

Automated verification against deceased records sourced directly from the General Register Office to support the fight against Impersonation of the Deceased fraud (IOD). The resulting alerts can be integrated directly within the overall referral strategy.

FraudMark

The service provides a scoring model (created by Corelogic) which analyses borrower and property data in order to identify subtle differences that indicate fraudulent activity.

It also compares entity behaviour with closest peers and monitors for changes in entity behaviour from recent history.

IP Verification

The service is used to identify the geo-location of IP addresses associated to enquiries and can be used to highlight suspicious inconsistencies when compared to the physical addresses provided on enquiries. The service is provided by Neustar and is integrated via an automated and integrated web services call.

Land Registry

Direct access to Land Registry searches are provided through the SIRA solution via a hyperlink.

The service can be utilised to validate property ownership at a supplied address in order to identified scenarios such as bogus valuations, false identity and unusual instructions or transactions.

Mirage

The service provides automated screening against a dataset of known accommodation addresses and virtual offices. The results of the service can be incorporated as indicators of potential fraudulent activity (such as identity theft utilising mail drop addresses) within the overall referral strategy.

National Fraud Initiative Data Sets

The service provides validation against one of the most comprehensive sets of public sector data available today, comprised of over 200 million records which are collated across more than 1,300 organisations.

The available datasets include (but are not limited to) Housing and State Benefits, Council Tax, UK Visa & Immigration, Payroll, Public Sector Insurance Claimants and Taxi Licences.

PEP Screening

The service provides automated validation to a confirmed list of Politically Exposed Persons (PEPs), Special Interest Persons (SIPs) and Relatives and Close Associates (RCAs). The dataset can be sourced from the preferred supplier (including Dow Jones).

Property Risk

The service (provided by Rightmove or Landmark Analytics) allows the integration of property risk alerts into the SIRA solution via an automated web services call. The data is used to provide fraud alerts identifying anomalies or intelligence relating to a property, such as recent rentals, recent sales, over valuations etc.

Device Intelligence

Provision of device authentication and reputation screening powered by iovation’s ReputationManager 360 product.

The resulting device information (including known history, links and anomalies) is then used to highlight potential fraudulent activity which would ordinarily go unnoticed.

06

Safe Move Scheme

The Safe Move Scheme (provided by BE Consulting) is a property transaction data management system focused on addressing the guidelines which resulted from the Mortgage Market Review (MMR).

The solution aims to assist lenders in providing a safe (end-to-end) mortgage transaction by conducting a wide variety of checks and reducing the risk of fraud.

Integration of the service within SIRA provides access to a wide variety of alerts relating to both the transaction and all parties involved.

Sanctions

Automated validation against a list of financial sanctions targets, enhancing anti-money laundering controls. The service is directly integrated within the SIRA solution, and results can be utilised within the overall referral strategy.

All global sanctions lists are available via integration of the Dow Jones Watchlist, or alternatively the following lists can be accessed individually:

+ HM Treasury (UK)

+ Sanctions (OFAC)

The Affordability Report (TAR)

The service utilises shared income, current account and credit data (sourced by Callcredit) in order to assess affordability, identifying consumer indebtedness and verifying income. The service is integrated in to the SIRA solution via an automated and integrated web services call.

Software ModulesAdvanced Matching

The service provides an enhanced matching capability through utilisation of a variety of sophisticated techniques in order to maximise the quality of resulting referrals. A variety of options are available:

+ Phonetics

+ Comparisons & Transpositions

Cifas Autofile

The service provides a direct interface to the Cifas National Fraud Database. Users are able to upload proven fraud cases to Cifas directly from the associated enquiry in SIRA. Enquiry level details are automatically copied to the upload service reducing the time taken to complete the task.

Data File Upload

The service enables users to upload bulk data to the Stop File repository within the SIRA solution via a user friendly and secure interface. This allows the user to add intelligence from multiple sources at the same time whilst eliminating the need to manually enter records on an individual basis.

Letter Production

The service enables customised letters (which are utilised as part of ongoing investigations) to be produced and stored directly within the SIRA solution. These letters can then be generated directly from referrals and relevant information can be auto-populated, resulting in efficiency gains for users.

Referral Scorecard

The service provides the ability to enhance the investigation process through the introduction of questionnaires within the SIRA solution. The service is delivered via a fully customisable, front-end interface for building, maintaining and recording behavioural indicators and risk responses. Automated workflow generation allows for referrals with highest risk indicators to be flagged for further investigation.

Risk Ranking

The service allows multiple risk and fraud scoring models to be integrated within the SIRA solution. The scoring models can utilise a variety of attributes including enquiry and match details, and the resulting scores can be leveraged within the overall strategy for referral and prioritisation purposes.

SQL Web Tool

The service provides access to views of the SIRA database, enabling generation of ad-hoc data extracts, queries and reports which can be used as part of fraud investigations, strategy planning and MI.

The service is available via a user friendly interface and is suited to SQL trained Data Analysts. Please note that a parameter based reporting suite can be customised during implementation.

07

The majority of SIRA’s data services, additional components, and software modules are available for both the Finance and Insurance industry.

For more information contact info@synectics-solutions.com or speak to your Relationship Manager.

The Predictive Analytics team develop and utilise advanced predictive modelling algorithms to greatly enhance Synectics Solutions’ proactive fraud prevention and detection capabilities and to complement our already powerful anti-fraud matching techniques.

To put it simply, predictive analytics is the scientific methodology that provides insight into complex data to find the best course of action for your business.

Analysing data, such as customer behaviour, can be overwhelmingly challenging. Predictive analytics can navigate through your data to consistently provide precise solutions in a timely manner, to lead you to great success.

Across a wide variety of industry sectors, this complex technology offers many exciting benefits to our clients. These benefits include:

+ Improving the efficiency of existing referral workflows to discover fraud in a timelier and more effective manner, resulting in financial and operational gain

+ Identifying new workflow streams by predicting fraud cases with both direct or indirect links to existing adverse data

Leveraging your fraud technology with this analytics functionality does not just predict fraud but also:

+ Fast tracks non-adverse enquiries and improves the customer journey

+ Predicts policies that will go on to claim to help price the risk more accurately

+ Identifies customers who will most likely repurchase

+ Improves the development and execution of marketing campaigns

+ Increases the efficiency of existing referral workflows by reducing false positives to find fraud more expediently

08

Orion is a network visualisation tool which is capable of conducting extensive searches of data, looking for links between multiple enquiries and entities that may reveal the existence of organised network activity.

It is a flexible product that allows clients to explore data and relationships in innovative ways, thus identifying new and often subtle developments in the way organised fraud is perpetrated.

Orion uses these links to build a visualisation of the relationships between all connected parties. By building a collection of links, users may create a dynamic graphical representation of a network showing how it develops over time.

The Financial Crime Intelligence team is part of our Business Intelligence department and provide Synectics Solutions with a financial crime knowledge base derived from 40+ years combined industry experience. The team play a critical role in helping us understand the financial crime landscape across both the insurance and finance sectors.

Its core purpose is to support the business with first class service across a variety of areas, covering product initiatives and developments, the National SIRA audit program, strategic client advice, fraud performance and rule analysis, organised fraud intelligence alerting, and financial crime insight reporting.

09

Automotive CRM (Customer Relationship Management)

Automotive CRM provides car dealerships with easy to use lead management and sales funnel functionality so that they can easily manage and maintain their customer correspondence dependent upon where the customer is in their renewal cycle.

National Network Managers or Local Dealerships can all run segmented and targeted communication campaigns to put real marketing power into the hands of all levels of their sales organisation.

The system also provides support for Salesman Lead Sheets alongside a host of reporting, campaign scheduling and letter management tools which all come as standard features.

Auto Finance Configurator

We provide a range of solutions capable of integrating within a client’s own vehicle configuration systems to enable them to offer their customers a variety of finance and insurance products across multiple online and mobile platforms.

No matter how large, complex or geographically diverse a client’s dealership network is, the Auto Finance Configuration systems can ensure that they are able to work with a variety of credit and insurance underwriters to provide tailored products that suit their customer’s profile or location across the client’s dealership network.

Synectics Solutions have been providing Automotive finance configuration and Customer Relationship Management (CRM) systems to some of the world’s biggest automotive and car finance brands for 20+ years. Both of these products have been implemented throughout Europe, enabling both large and small automotive dealerships to develop highly tailored communication strategies with their customers within their European and local markets.

These systems ensure our clients can build effective relationships with their customer base to increase customer satisfaction, improve retention rates, and increase profitability.

10

For 20+ years, Synectics Solutions have been working with various Government departments, laterly the Cabinet Office, as part of the National Fraud Initiative (NFI Detect). NFI Detect is a sophisticated data matching exercise that matches electronic data within and between public and private sector bodies to prevent and detect fraud. It has run every two years since 1996 and, to date, has been used to identify fraud and overpayments totalling more than £1.17 billion. The data contains over 200 million records there are over 1,300 participants from a range of government departments, government agencies, and private organisations including the NHS, the Student Loans Company, police forces, local authorities and housing associations.

AppCheck

AppCheck is the application verification system powered by intelligence gathered as part of the NFI Detect service. Every application to your organisation brings a hidden risk that they are not who they say they are or that they fail to declare all the relevant information that might affect their entitlement to a benefit, a service or employment.

AppCheck can help to reduce the number of fraudulent or mistaken claims made by validating and authenticating an individual on application against one of the most sophisticated data sets available in real time.

NFI FraudHub

NFI FraudHub provides Local Authorities, Government Agencies and Housing Associations with the ability to regularly match their collective data sets against each other and / or against the NFI Detect core data to provide insight and intelligence to facilitate the prevention of mistaken or fraudulent payments.

NFI ReCheck

NFI ReCheck for public sector organisations is a flexible and cost effective system that allows you to manage and monitor ongoing customer relationships to reduce fraud. Customer circumstances can often change meaning that so does their benefit or service entitlement.

NFI ReCheck allows you to retrospectively check existing customer records against one of the most sophisticated data sets available to identify these changes, reducing the financial loss to your organisation.

11

Our SIRA and Orion products are available direct to the public sector. Details of these services can be found on pages 04 and 09.

Synectics Solutions Ltd, Synectics House, The Brampton Newcastle-under-Lyme, Staffordshire, ST5 0QY

+44 (0) 1782 664000 info@synectics-solutions.com www. synectics-solutions.com

Synectics Solutions provide services for a range of industries in the UK and internationally. For 20+ years, we have been providing leading edge data driven solutions to help organisations harness the power of data.

The systems we build and host for our clients are highly successful in creating more profitable customer relationships, reducing risk, combating financial crime, and enabling organisations to meet their compliance and regulatory commitments.

We achieve this by working closely with our clients to create innovative solutions that meet their data driven challenges. We are renowned in the markets in which we operate for our dedication to customer satisfaction and for providing highly tailored solutions that meet our clients’ complex needs.

We are proud of our unique company culture in which we nurture our employees and empower them to fulfil their potential; this enables us to work together to achieve excellence in all our business operations.

Synectics Solutions Classification: Public / SOS0116