DTEC – Money Laundering The Law Money laundering” is a crime set forth by Law no. 9.613 of March 3, 1998, regulated by Brazilian Central Bank, CVM, SUSEP, among others. These regulations provide on “money laundering crimes” or concealment of goods, rights and valuables, as well as preventing the use of the financial system against the illicit acts set forth therein. It further provides that financial institutions that fail to keep control and full knowledge of the transactions will be subject to sanctions and penalties. The Solution DTEC - Money Laundering ™ is the system developed by Softon to identify, point out and handle transactions carried out within the financial institution with traces of "money laundering". To accomplish said task, DTEC - Money Laundering ™ analyzes the behavior and the financial transactions in accordance with the Law. The Technology DTEC - Money Laundering ™ implements the knowledge provided by the Law and in its regulations through the application of artificial intelligence technology, transforming it in business rules that, when applied on transactions, identify suspicious situations with great reliability. Benefits Besides identifying the suspicions, DTEC - Money Laundering ™ Analysis Module calculates a score that is attached to each suspicion. The higher the score is, the higher is the probability of laundering, and, most important, informs also the reasons in full details, showing the user a complete report on the analysis made. It further makes a reference to the points of the Law that contributed to the suspicion. Therefore the financial institution retains the safety of having all the suspicious situations documented based upon the Law. DTEC - Money Laundering ™ delivers financial institutions with an intelligent agent, dedicated and specialized in the Law to monitor and analyze a great number of existing transactions, in an automatic and safe manner. DTEC - Money Laundering ™ major advantage is that the professionals of the institution that are responsible for the Consultation Module's operation do not need to be specialists in the Law on "money laundering", since the Analysis Module allows for indications, already analyzed under the Legal standpoint, with a complete report on the reasons that led to the suspicion. Modular system The system’s brain is the Analysis Module, that contains the knowledge based on the Law to Identify “money laundering" suspicions and is responsible for the transactions analysis. This module is independent from the platform, volume of operations or customer's systemic architecture, and it can be implemented without the need of any adjustment in its analysis structure. All it takes is the customization of integration modules to the environment and each Customer's platform. The Consultation Module of DTEC - Money Laundering ™ allows for on-line distribution of the analyzed suspicious situations, through a workflow capable of having different levels of decision (regional, point of sale and others), so that the professionals of the institution that have direct contact with the clients involved in the suspicious transactions can confirm or refute such suspicions. Technical Characteristics DTEC - Money Laundering ™ was developed using Object Orientation Concepts along with Business Rules and WEB interfaces, allowing for fast adaptation in the case of new determinations of the Brazilian Central Bank or possible needs of the Customer. The DTEC ™ solution can run under Windows, AIX, Solaris, MVS (CICS and IMS) platforms; and can access Oracle, Sybase, SQL Server, Informix, ODBC, DB2, IMS/DB, VSAM, OSAM and other sequential files; supporting Standalone, 2-tier, 3-tier, n-tier Client/Server, WEB and Batch architectures. Intelligent Systems for Money Laundry Detection 9613 Money Laundry Law BACEN (Brazilian FED) ML Regulations CVM (Brazilian SEC) ML Regulations SUSEP (Insurance) ML Regulations COAF ML Regulations Banks Credit Card Companies Money Exchange Agents Stock Exchange Agents DTEC Line of Business Products and solutions that identify fraud suspicious in financial transactions. DTEC – Money Laundering Money Laundering Detection product DTEC – Credit Card Fraud Credit Card Fraud detection DTEC – Debit Card Fraud Debit Card Fraud Detection DTEC – Internet Fraud Internet Fraud Detection Money Laundering Prevention related services. 1) DTEC-flex – Daily money laundering and financial fraud related news, supplied to customers, collected and analyzed from 100+ written media sources. 2) Consultancy – Softon experts provide to customers their experience in order to improve fraud detection and money laundering prevention existing processes and systems. 3) Development – Solutions for the banking, financial, insurance, telecom and other industries using Artificial Intelligence technology. DTEC-flex Imagine a product that supplies fraud and money laundering detection experts with up to date and organized information pointing cases that need to be investigated. Imagine receiving this information in the most appropriate format to integrate with existing compliance and auditing systems. What you’ve imagined now exists! OFFERING DTEC-flex provides daily lists for the customer to investigate, with names and other pieces of information derived from the analysis, made by a specialized team, of several media sources regarding fraud and money laundering news. REASON Money laundering prevention and fraud reduction has been a constant concern of serious organizations that expend more and more resources in compliance and auditing teams each day. TARGET Banking, Insurance, financial companies, Credit Card companies, factoring...etc.. KEY BENEFITS - Increase the investigation range to consider outside suspicious situations; - Concentrate Investigation Teams effort inside the organization; - Speed up the investigation process; - Comply with local regulations. Intelligent Systems for Fraud Detection: Self Service systems Internet transactions ATM transactions Debit Card transactions Transactions via telephone services Credit Assessment Credit applications Credit warranties Credit Card utilization Credit Card applications Official Registers Inconsistent Information Bank account operations Intelligent Systems for the Financial Area Risk Rating Liability Analysis _ Risk Restriction Analysis _ Risk Warranty Analysis _ Risk Credit to Consumer analysis and approval Credit analysis and approval for individuals Credit analysis and approval for companies Analysis and approval of premium checks Credit Card analysis and approval Financial behavior analysis Customer potential analysis Know your customer (CRM) Cash Requirement Forecast for ATM's Talent Intelligent Data Base Phonetic Routines Resource Distribution Logistics Intelligent Business Support Intelligent Customers Follow Up Infrastructure for e-Business Smart Content consisting of: IOO (Intelligent Object Orientation) Advanced set of Object Oriented techniques, for business representation through reusable and intelligent components. Visualization Advanced set of visualization techniques combined with 3D visualization technology, for delivery of important information to users. Learning and Prediction Learning through assimilation of process data and rules, using acquired knowledge for detection of patterns to be used in problem solving, stock exchange trends, events and other phenomena. Project Development Business Performance Indicators Business Indicator Analysis Fraud Credit Direct Credit to consumers Credit Card Phonetic Analysis Help Desk Intelligent Data Mining Future Behavior Forecast Projects to reveal Knowledge hidden in Historical Data Projects to settle Business Knowledge in the company Conventional Projects WEB Projects Tailored Projects Consulting and Training Specific Consultancy for tailored Intelligent Solutions Application of INTELLIGENCE to the day-to-day Business Training and Support in all above areas

Softon Sistemas Inteligentes Alameda dos Jurupis, 1005 - 5º Andar - Moema - São Paulo - SP - Brazil Phone: +55 11 5044.1400