1. SIMPLE - SMART - SECUREFORMFREE HOLDINGS, INC.
Digital Asset Verification
Product Highlights
2014
PCB
VODAchek
No Paper, No Hassle

2. 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

3. 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

4. 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?

5. 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

6. 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

7. 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

8. SIMPLE - SMART - SECUREFORMFREE HOLDINGS, INC.
Desktop- Manage Orders
Verifier Applicant Verifier
PCB

9. SIMPLE - SMART - SECUREFORMFREE HOLDINGS, INC.
Dashboard- Order Details Verifier Applicant Verifier
PCB