2 steps ahead

1. 2 steps ahead

2. Preventing Fraud! • Key to prevent fraud is to always be ahead of the fraudster! • This is best achieved by: • Making security features work harder • Reviewing current security features • Constantly updating security features • On-going R&D of security features

3. Print-Security Solutions Ltd • Specialise - Security Print Research & Development • Cheqmate technologies - best practice fraud prevention • Global leader of Holograms on secure documents • Leading world supplier of Advanced Security Features • Unique security print manufacturing capabilities • Security print adviser role to CACCC (Cheque And Credit Clearing Company- UK)

4. Golden rules of secure cheque design • SPS created these rules in 1999 • SPS R&D programme based on rules • Rules adopted by CACCC in 2003 • Rules adopted in NICPAS standard 2005

5. Golden rules of secure cheque design • Protection • The 3 security inks must protect every single character of personalisation in-fill • Detection • The security inks must make fraudulent alteration damage obvious to the eye • Reinstatement • The designs must be intricate to make fraudulent reinstatement extremely difficult. • Adhesion • The inks & designs should enable good laser toner adhesion

6. Intercontinental Bank plc Guaranty Trust Bank Zenith Bank Marina International Bank Fidelity Bank Rivers State Government Lloyds TSB Sage plc Partners

7. The New Nigerian Standard • SPS • Full compliance with the new standard Guaranteed! • Commitment to exceed it • …...to stay 2 steps ahead!

8. How you stay 2 steps ahead! • You make the NICPAS approved security features work harder! • Cheqmate Numbering • Cheqmate - Invisible UV • Cheqmate Security Hologram • Cheqmate Watermarked Paper

9. Numbering • Traditional numbering systems include: • Black inks 01014586 • Penetrating Inks 01014586 • UV Inks 01014586 • Old technologies • Known to fraudsters • Can be altered

10. Stops cloning • Identifies fraudsters Instant Cheque validation * Identifies counterfeited documents Unique controlled numbering Hidden UV Check Digit Numbering * Secretly revealed Unique controlled numbering * Repeated in invisible UV Cheqmate numbering 14396801 396 14396801 14396801

11. Cheqmate Numbering • Visible numbering • Invisible numbering • Secret numbering • Fraudulent attempts to reveal number will damage cheque • 21st century technology • Unknown to fraudsters • Audit trail to original document • Fraud-proof

12. Cheqmate - Invisible UV • A security graphic technique developed by SPS using banknote software • The numismatic fine lines have been broken down into ultra fine text • Smaller than micro text! • Making counterfeiting virtually impossible • Making cheque alteration highly detectable

13. 4 Golden Rules • Protection • Detection • Reinstatement • Adhesion

14. Detection * Micro-numismatic text, very fine line image * Easily damaged by fraudulent alteration Reinstatement * 3D Numismatic image * Very difficult to reinstate/reproduce Adhesion * Laser Approved designs * Maximised Laser Toner Adhesion Protection *Security ink detailed design * Protects every character of in-fill Cheqmate - Invisible UV

15. Overprinted Hologram Cheqmate Hologram Logoor Company Brand • Recommended by the NICPAS standard • Best visible deterrent against document reproduction • 15 years use - no known cases of counterfeit fraud • Single source hologram • Immediately available • Corporate colours • Reduces hologram tampering/illegal use • UV cured to prevent removal

16. Cheqmate Watermarked Paper • Single source - SPS • Detailed all over design • Controlled access

17. How you stay 2 steps ahead! • You make the NICPAS approved security features work harder! • Cheqmate Numbering • Cheqmate - Invisible UV • Cheqmate Security Hologram • Cheqmate Watermarked Paper • …...to stay two steps ahead!

18. Print-Security Solutions Ltd • For further information contact us: • Tel : + 44 7903 772704 • Email : shameh@aol.com