Zoot and ID Insight Partner to Deliver Address-Based Identity Fraud Solution

Safe2Change^SM Allows Financial Institutions to Cost-Effectively Comply with Impending FACT Act Red Flag Guidelines, Approve More Applications

BOZEMAN, MT and NORTHFIELD, MINN — March 3, 2008 — ID Insight, the industry innovator in assessing and managing the risks associated with addresses, announced today that its leading address-based identity fraud and Red Flags compliance solution is now available to Zoot Enterprises clients. ID Insight was selected to partner with Zoot in its efforts to help its customers comply with the impending FACT Act Red Flag guidelines, which become mandatory in November.

Zoot, which provides credit decisioning and loan origination solutions to large and innovative U. S. financial services institutions, is offering Safe2Change from ID Insight to its clients through its vendor network to avert address-related fraud. The solution enables users to cut costs associated with manual reviews and inefficient manual verification, as well as comply with the address-focused Red Flag rules of the FACT Act.

“By integrating Safe2Change into its established decisioning solutions, Zoot is able to give its customers a proven tool to comply with the FACT Act Red Flag rules and approve significantly more applications,” said ID Insight president Adam Elliott. “Safe2Change was built to quickly and efficiently resolve address mismatches, so it is a perfect complement to the other products and services Zoot offers to improve institutions’ bottom lines -- especially in light of the new regulations.”

“On average 20 percent of approved applications contain address discrepancies. By implementing a comprehensive Red Flag solution financial institutions can expect dramatic revenue recovery, while at the same time reducing fraud. Zoot is pursuing several opportunities to help our customers profitably comply with the Red Flag rules,” said Chris Nelson, CEO and founder of Zoot Enterprises. “We’re excited to be working with ID Insight and integrating its cutting-edge Safe2Change into the first phase of Zoot’s Red Flag offering to our clients.”

Safe2Change from ID Insight uses its patent-pending Address Differential AnalysisSM to determine the likelihood of fraud in an address change request or address discrepancy. Safe2Change accesses its proprietary blend of hundreds of billions of data elements -- including demographic data, verification data, U.S. Postal Service data, historical fraud data, criminality scores and more -- through its powerful algorithms to produce and return the ADScore.

With superior data and proprietary analytics, Safe2Change accurately identifies the relatively low percentage of address discrepancies that contain the majority of fraud and identity theft. By identifying these high-risk discrepancies, the financial institution is able to identify the fraud and review significantly fewer transactions, which means banks won’t turn away potentially profitable, legitimate applicants and can immediately approve more applications.

Safe2Change allows financial institutions to profitably comply with the address-focused Red Flag rules of the Fair and Accurate Credit Transaction (FACT) Act. These new prescriptive guidelines require institutions to begin scrutinizing address changes on existing customers as well as new account applications where the application address differs from the information maintained by the credit bureaus.

About Zoot

Bozeman, Mont.-based Zoot Enterprises was ranked number one on Bank Technology News’ Ten Technology Companies to Watch list for 2007. Zoot provides credit decisioning and loan origination solutions to large and innovative U. S. financial services institutions. Its reliable, secure, and scalable hosted environment reduces risk and improves performance for seven of the top-ten U.S. banks, accounting for hundreds of millions of credit transactions a year. Zoot fulfills clients’ complex needs for multiple lines of business and enterprise-wide platforms through a flexible and configurable SaaS implementation that enables clients to adapt to the market in realtime. Zoot’s clear focus on clients’ needs has led to long-term relationships with the nation’s most innovative financial institutions. Visit http://www.zootweb.com or call 406.556.7555 for more information.

About ID Insight

ID Insight is the industry leader in assessing and managing the risks associated with addresses. Based in Northfield, Minn., the company combines its massive collection of data on people and addresses with patent-pending analytics to help companies reduce losses due to fraud and identity theft. ID Insight provides next-generation verification, authentication, and fraud solutions to financial services companies, credit issuers, retailers, online merchants and wireless providers nationwide. For more information, visit www.idinsight.com or call 651.291.3557.

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