SIMPLE - SMART - SECUREFORMFREE HOLDINGS, INC.

Digital Asset VerificationProduct Highlights

2014

PCB

VODAchek No

Paper, No Hassle

SIMPLE - SMART - SECUREFORMFREE HOLDINGS, INC.

Key Features• Direct access to over 15,000 financial institutions• Real-time access to detailed account information• Verifies account balances and deposits• Returns a standard report format for all the account data• Calculates cash flow and residual income • Analyzes the account data for irregularities • Alerts for fraud, unusual deposits, NSFs, and other suspect

activities • Verifies employment, ownership , income, and undisclosed

liabilities • Verifies Down Payment, Gift Funds and Source, SSI Payments• Refresh borrowers assets and account activity instantaneously.• Low cost, efficient, user friendly• High quality data, equivalent to electronic bank statement.• No personal bias or interpretation, virtually eliminates fraud.• Highly secure

2PCB

SIMPLE - SMART - SECUREFORMFREE HOLDINGS, INC.PCB

• Trusted Third-Party Provider• Best-of-Breed• Highest Level of Data

Security• No Self-Reported Data• Consumer Authorization

– Electronic Signature– “Wet-Ink” Signature

• Dedicated Account Management

• Super-User Functionality• Multiple Access Methods• Online Access

– Instant delivery using a registered user ID

• Real-Time System Integration– Rapid delivery for large case loads

• Batch Data Feed– Seamless delivery into technology

systems

VODAchek

Advantages

SIMPLE - SMART - SECUREFORMFREE HOLDINGS, INC.PCB

• Automated solution pulls deposit information directly from financial institutions

• Delivers electronic verification of current and historical balances

• Highlights NSF charges; recurring deposits; unusual deposits; etc.

• Options for monitoring, financial reporting, and fraud prevention tools

• Places VODA Order

Verifier

• Registers Account

Applicant• Receives AC

Report

Verifier

How Does VODAchek Order Process Work?

SIMPLE - SMART - SECUREFORMFREE HOLDINGS, INC.PCB

Verifier Places Order

• Via Web API or Manual– Applicant Information– Account Information

• Institution Name• Account Number• Employer Name

Reminder: Consumer provides Account information directly to verifier via application (1003) and establishes relationship.

Verifier Applicant Verifier

SIMPLE - SMART - SECUREFORMFREE HOLDINGS, INC.PCB

Applicant Registers Accounts for Verification

• Consumer guided through registration:

– Receives invitation email – Accesses the online dashboard– Registers accounts– Shares account details with verifier

VODAchek

Verifier Applicant Verifier

SIMPLE - SMART - SECUREFORMFREE HOLDINGS, INC. 7PCB

Verifier Retrieves Results

Verifier Applicant Verifier

• SMART Report– Borrower Information– Institution Information– Flag/No Flag– Total Assets

• Detail Report– 90 Day Transaction History– Account Activity

• Fannie Mae 1006– Verification of Deposit

SIMPLE - SMART - SECUREFORMFREE HOLDINGS, INC.

Desktop- Manage Orders Verifier Applicant Verifier

PCB

SIMPLE - SMART - SECUREFORMFREE HOLDINGS, INC.

Dashboard- Order Details Verifier Applicant Verifier

PCB