Jodi Pratt7960-B Soquel Drive, #161

Aptos, CA 95003Tel: (831) 684-2410 E-mail: jpratt@jodiprattandassociates.com

SUMMARY:

Over 20 years experience in fraud and operations risk consulting Over 40 years in retail bank operations Over 35 years in research, technology product development and project management Strong leadership, team building and interpersonal skills Excellent organizational, management and analytical problem solving skills Creatively utilizes technology and people to achieve business goals Expert witness in bank operations and payments fraud

EDUCATION:

Master of Business Administration, ManagementCalifornia State University, Hayward, CA

Bachelor of Science, Business Administration John F. Kennedy University, Orinda, CA

WORK HISTORY:

Jodi Pratt & Associates, Aptos, CA (March 2005 to present)

Founder and Principal ConsultantRe-established practice (formerly Pratt & Associates) to assist financial institutions, trade associations and vendors in the development and implementation of fraud and operations risk management solutions, including Expert Witness testimony in the areas of Risk Management and Bank Operations

Carreker Corporation, Dallas, TX (2001 to 2005)

Senior Vice President, Managing Principal (June 2004 – March 2005)Responsible for developing Risk Management Consulting practiceSenior Vice President, Managing Principal (April 2001 – June 2004)Responsible for the Risk Solutions Group which included accountability for the development, implementation, sales and customer satisfaction for the company’s fraud detection products Expanded vision of “Fraud Solutions Group” from “check fraud” to “payments fraud,

compliance and enterprise risk management” Designed and spearheaded the development of new risk products to replace aging check

fraud product line Provided risk education internally and updated job skills of business and development staff Developed several alliance relationships with complimentary technology solution providers

WORK HISTORY (con’t):

Pratt & Associates, Aptos, CA (1997-2001)

Founder and Principal Consultant Established practice to assist financial institutions, trade associations and vendors in the development and implementation of fraud control solutions

Wally Industries, Petaluma, CA (1996-1997)

Executive Vice President and Division Head, WJM Technologies Managed fraud detection solutions company; responsible for client support, sales, marketing, research and development; also served on Wally Industries Board of Directors Established market and product strategies Completed development of new products and major annual release Made successful sales and client retention calls on major national banks Spoke nationally on the subject of risk, fraud and fraud prevention (e.g. Executive

Enterprises, Bank Administration Institute conferences)

Bank of America, San Francisco, CA (1977-1996)

Vice President/Manager, National Operating Controls (1992-1996)Managed risk management development group responsible for fraud control systems for BankAmerica Corporation’s interstate retail bank subsidiaries Achieved 47% decrease in California retail bank losses from 1993 to1994 Led task force of 11 bank subsidiaries to focus on risk and fraud problems and solutions;

implemented interstate projects, systems and reporting Participated in national task forces and advisory groups in the development of fraud detection

products (e.g. Primary Payments Systems, ABA Check Fraud Task Force)

Prior responsibilities included: (1977-1992) Retail banking branch operations management and delivery Call center creation, development and management International compliance New business creation, development and management Technology creation, development and management

First Federal Savings and Loan Association, Phoenix, AZ (1972-1977)

Savings branch operations management Teller

AFFILIATIONS:

Bank Administration Institute’s Payments Connect Planning Committee (1999-2000, 2003-2004, 2010-2016)

Co-founder of the Foundation for Payments Fraud Activism and Abatement (FPF2A) dba FraudAvengers.org consumer education website (non-profit)

CORPORATE POSITIONS

Dragnet Solutions Inc. - Advisory Board member Board Director, Vice President of the Rio Del Mar Homeowners Association (non-profit) Co-founder of FraudAvengers.org (non-profit)

CURRICULUM VITAE

Jodi Pratt7960-B Soquel Drive, #161

Aptos, CA 95003Tel: (831) 684-2410 E-mail: jpratt@jodiprattandassociates.com

PUBLISHED WORK:

“Management Commitment to an Anti-Fraud Culture”, (two part opinion piece), The Asian Banker, (http://riskandregulation.theasianbanker.com/ and http://main.theasianbanker.com/ ) May 8, 2012.

“Reducing the Risks of Litigation”, Banking Strategies Daily, co-authored with Robert Jones, February 6, 2012

“Operationalizing Real-Time Fraud Detection”, White Paper, in conjunction with Orbograph and Santa Fe Group Consulting Partners, February 11, 2011

“Insider Fraud Detection and Prevention”, SearchFinancialSecurity.com, November 8, 2010

“Beyond Compliance: Integrating New Regulations into Your Risk Management Practice” White Paper, in conjunction with Santa Fe Group’s Consulting Partners, March 2008

“Internal Fraud and Tools To Stop It”, Banker’s Hotline, August 2007

“The Baby in the Bath Water: Image-Based Fraud Prevention”, Jodi Pratt & Associates White Paper, May 2007 “Internal Fraud” White Paper, in conjunction with Santa Fe Group’s Vendor Council, April, 2007

“ACH Fraud Risks” White Paper, in conjunction with Santa Fe Group’s Vendor Council, March 2007

“Remote Deposit Capture and Its Unintended Fraud Consequences”, Jodi Pratt & Associates White Paper, August 2006

“Enterprise Risk Management: How to Capitalize On Your Window of Opportunity in 2005”, Market Rates Insight, Trends & Tips , January 2005

“Unanticipated Risk Implications of Check 21”, Carreker White Paper, August 2004

“ASP Technology Provides Affordable, Efficient Fraud Prevention,” Credit Union Times, October 2001

“A Multi-Layer Approach to Check Fraud Prevention” Bank Fraud: Bulletin of Fraud and Risk Management, June 1998

Jodi Pratt, C.V., page 2

EXPERT WITNESS ASSIGNMENTS:

Citibank v. Smith (Super Sayin’ Publishing LLC, Compound Touring, Inc, 2424 LLC et. al.)United State District Court, Southern District of New York2016. Expert report on whether or not Citibank should have recognized fraudulent activity on Smith accounts perpetrated by an authorized signer on his accounts.Deposed: January 5, 2017Thompson & Knight, New York, NY.

Citibank adv. Nalbandyan & WeissSuperior Court of California, Los Angeles County2016. Expert report regarding safe deposit box procedures related to allegedly stolen items from a safe deposit box.Deposed: December 20, 2016Frandzel Robins Bloom & Csato, Los Angeles, CA

Citibank adv. GilksbergSuperior Court of California, Los Angeles Central District2016. Expert report regarding safe deposit box procedures related to allegedly stolen items from a safe deposit box.Frandzel Robins Bloom & Csato, Los Angeles, CA

Community Bank of Santa Maria v. Joni GraySuperior Court of California, County of Santa Barbara2015. Expert report declaration re: commercially reasonable deposit acceptance and fraud detection practices related to Cashier’s Checks and subsequent wiring of funds associated with an attorney email scam.Deposed: June 22, 2016.Andre, Morris and Buttery, Santa Maria, CA

Wells Fargo Bank, NA, adv. Network Solutions ServicesSecond Judicial District Court of Nevada, County of Washoe2015. Opine re: alleged conversion of deposited checks made payable to a business.Lewis Roca Rothgerber, LLP, Reno, NV

JPMorgan Chase adv. Travelers Casualty and Surety (Michaels and Artistree)United States District Court for the Northern District of Texas, Dallas Division2015. Expert report on new account opening and deposit processing for accounts with substantially similar names.Jackson Walker LLP, Dallas, TX

Wells Fargo Bank adv. Emad Saadeh (PR of Estate of Nejmeh E. Diab)Superior Court of California, County of Contra Costa2015. Opine on standard of care re: processing of withdrawals and alleged wrongful dishonor of cashier’s check.Deposed: October 27, 2015Severson & Werson, San Francisco, CA

.

Jodi Pratt, C.V., page 3

EXPERT WITNESS ASSIGNMENTS: (con’t)

JP Morgan Chase adv. Vilarant Superior Court of California, County of Los Angeles 2015. Opined re: new account opening and deposit acceptance practices related to stolen receivables checks.Deposed: May 12, 2015Barton Klugman & Oetting, LLP, Los Angeles, CA

California Bank & Trust adv. HowardSuperior Court of California, County of San Diego, Central District2015. Expert report to opine re: whether bank followed ordinary care consistent with commercially reasonable practices and followed their own procedures related to processing forged checks.Pyle Sims Duncan & Stevenson, San Diego, CA

Wells Fargo Bank adv. ValdesSuperior Court of California, County of San Francisco2015. Opined re: bank’s responsibility to victims of an Affinity Fraud allegedly committed by an ex-employee. Deposed: June 22, 2015. Trial testimony: September 3, 2015.Severson & Werson, San Francisco, CA

Bank of the West adv. Country Home Land CompanyDistrict Court, Denver, Colorado2015. Expert Report re: opinions on bank’s responsibility to oversee actions of property management company employee’s handling of HOA’s checking account funds; also rebutted opposing expert’s opinion.Brown, Bernardini & Dunning, PC, Denver, CO

Wells Fargo adv. Bank O’Connor Superior Court of California, County of San Francisco2014. Opined re: bank’s responsibility to victims of an Affinity Fraud allegedly committed by an ex-employee. Severson & Werson, San Francisco, CA

Wells Fargo adv. Bank Behrendt Superior Court of California, County of San Francisco2014. Opined re: case involving allegedly unauthorized ACH debits.Severson & Werson, San Francisco, CA

(Union Bank and) United Security Bank adv. Rebolledo Superior Court of California, County of San Francisco2014. Expert witness for United Security Bank to opine on check verification procedures between financial institutions. Provided declaration of support.McCormick Barstow at al LLP, Fresno, CA

Wells Fargo, N.A. adv. Raima, Inc. Superior Court of California, County of Los Angeles 2014. Opined re: check processing and verification involving an allegedly forged check.Testimony at arbitration: October 22, 2014Barton Klugman & Oetting, LLP, Los Angeles, CA

Jodi Pratt, C.V., page 4

EXPERT WITNESS ASSIGNMENTS: (con’t)

PNC Financial Services, Group, Inc. & PNC Bank, N.A. adv. Ivanhoe Investment Partners L.P. & Joint Venture Between Ivanhoe Asssociates, LLC & PPSP Trust Investments, LLCCircuit Court for Montgomery County, Maryland2013. Opined re: the standard of care provided by the bank handling of business checking account transactions for Century Title and Escrow Corporation, the escrow company for Ivanhoe. Drafted expert report.Ludwig Robinson PLLC, Washington, DC

Park Bank adv. Koss CorporationState of Wisconsin Circuit Court: Milwaukee County2013. Opined re: standard of care related to transaction performed by authorized signatory who was embezzling from the company. Produced expert report.O’Neil Cannon Hollman Dejong & Laing, Milwaukee, WI

JPMorgan Chase adv. Glovis America, Inc.Superior Court of the State of California County of Orange, Central Justice Center2013. Opined re: new account opening and deposit acceptance practices related to stolen receivables checks.Stroock & Stroock & Lavan LLP, Los Angeles, CA

Wells Fargo adv. Bank Montelongo District Court of Nevada County of Clark2013. Opined re: new account opening and deposit acceptance practices related to stolen receivables checks.Smith Larsen & Wixom, Las Vegas, NV

UMB adv. KC Screw Product Circuit Court of Jackson County, Missouri at Kansas City2012. Opined re: deposit and check processing, forgery and kiting.Spencer Fane Britt and Browne, LLP, Kansas City, MO

Wells Fargo adv, Lopez Superior Court of California County of Los Angeles2012. Opined re: procedures involving check cashing and alleged conversion, identification of forged or altered items, elder abuse and ordinary care.Barton Klugman & Oetting, LLP, Los Angeles, CA

Wells Fargo adv. Wallace Superior Court of California County of Orange – Central Justice Center2012. Opined re: new account opening, deposit and check cashing processes.Bartel & Evans, LLP, Newport Beach, CA

Bank of America adv.Boyajian Superior Court of California County of Los Angeles – North Central District2012. Opined re: fraudulent check verification processes.Carroll Burdick & McDonough, LLP, Los Angeles, CA

Jodi Pratt, C.V., page 5

EXPERT WITNESS ASSIGNMENTS: (con’t)

Union adv. Shoreline PropertiesSuperior Court of California County of Orange2011. Opined re: deposit of a third party check into a business account.Deposed: May 8, 2012. Trial testimony: May 25, 2012.Barton Klugman & Oetting, LLP, Los Angeles, CA

Mechanics v. MethvenSuperior Court of California County of Alameda2011. Opined re: issues related to Cashier’s Checks and subsequent wiring of funds associated with an attorney email scam.Deposed: January 6, 2012.Trial testimony: March 5, 2012.Barbara Cray, Redwood Shores, CA

Wells Fargo Bank adv. Meguerian et. al. Superior Court of California County of Los Angeles2011. Opined re: fraudulent check verification processes.Carroll Burdick & McDonough, LLP, Los Angeles, CA

Fidelity Investments & United Missouri Bank Sperling adv.United States District Court for the Northern District of Illinois, Eastern Division2011. Opined re: the role of collecting bank in identifying fraud.Spencer Fane Britt and Browne, LLP, Kansas City, MO

Citibank adv. Quality Carpet Cleaning, Inc. Superior Court of California County of Los Angeles2011. Opined re: alleged conversion of deposited checks made payable to a business.Lewis Brisbois Bisgaard & Smith LLP, Los Angeles, CA

Commissioner of IRS adv. Scheafnocker2011. Expert Report to opine on banks’ customer notification practices regarding IRS Notices of Levy.U.S. Department of Justice, Washington, DC

Wachovia Bank adv. O’Sullivan Superior Court of California County of Riverside2011. Declaration in support of mediated settlement re: use of Power of Attorney to perform depository transactions.Anglin Flewelling Rasmussen Campbell & Trytten, LLP, Pasadena, CA

Wells Fargo adv. Bank Jones Superior Court of California County of Los Angeles2011. Opined re: issues involving forged checks and employee embezzlement.Barton Klugman & Oetting, LLP, Los Angeles, CA

Jodi Pratt, C.V., page 6

EXPERT WITNESS ASSIGNMENTS: (con’t)

Gilmore Bank v. Jeffrey BriggsSuperior Court of California County of Los Angeles – Central District2011. Opined re: commercially reasonable deposit acceptance and fraud detection practices related to Cashier’s Checks and subsequent wiring of funds associated with an attorney email scam. Deposed: July 8, 2011; Trial testimony: August 2, 2011. Hallstrom Klein and Ward, LLP, Irvine, CA

Wells Fargo adv. Grove Lumber and Building Supplies, Inc. Superior Court of California County of San Bernardino2011. Declaration in support of Motion for Summary Judgment re: standard of location of payee information on checks. Barton Klugman & Oetting, LLP, Los Angeles, CA

(Javier Hernandez and) First Bank, Inc. adv. Caron Schmierer, Conservator for Anna Fyfe, person and estateSuperior Court of California County of Marin2010. Opined re: bank practices regarding elder financial abuse and negligent supervision.Law Office of William K. Crowe, Irvine, CA

(Mesirow and) United Missouri Bank adv. Mainzer et. al. Financial Industry Regulatory Authority Arbitration2010. Opined re: the role of collecting bank in identifying fraud perpetrated by trust fiduciary.Spencer Fane Britt and Browne, LLP, Kansas City, MO

Wells Fargo Bank, N.A. v. William M. RaymondSuperior Court of the State of California for the County of Los Angeles2010. Opined re: commercially reasonable practices in protecting customers from consumer-targeted Inheritance Scams.Deposed: July 23, 2010.Barton Klugman & Oetting, LLP, Los Angeles, CA

Citibank, N.A. adv. Steven R. LovettSuperior Court of the State of California for the County of Los Angeles2010. Opined re: commercially reasonable deposit acceptance and fraud detection practices related to Cashier’s Checks and subsequent wiring of funds associated with an attorney email scam. Deposed: May 11, 2010. Trial testimony: November 1, 2010 and May 4, 2012.Frandzel Robins Bloom & Csato, Los Angeles, CA

Wells Fargo Bank, NA adv. Joanne Holman StineSuperior Court of the State of California in and for County of San Mateo2010. Opined re: alleged misuse of trust account.Barbara Cray, Redwood Shores, CA

Wilshire State Bank, Wilshire Bancorp, Inc. adv. Chavdar Angelov and Kids Fight CancerUS District Court, Central District of California – Western Division2010. Opined re: alleged participation in promoting a fraudulent investment program to customers and alleged offering of but not providing escrow-like services.Lee Hong Degerman Kang and Waimey

Jodi Pratt, CV, page 7

EXPERT WITNESS ASSIGNMENTS: (con’t)

Wells Fargo and Company adv. Monteleone & McCrory, LLPSuperior Court of California, County of Los Angeles, Central District2009. Declaration in support of Motion for Summary Judgment.Barton Klugman & Oetting LLP, Los Angeles, CA

Bank of America adv. Extensions PlusSuperior Court of California, County of Los Angeles, Northwest District2009. Declaration in support of Motion for Summary Judgment regarding banks’ common practices in processing ATM deposits.Severson & Werson, Irvine, CA

Wells Fargo Bank N.A. adv. Venetian Blind and Floor Covering Shop, Ltd. DBA Gulf Coast Window CoveringUS District Court for the Southern District of Texas, Houston Division2009. Opined re: alleged conversion of deposited checks made payable to a business. Deposed: November 5, 2009, Trial testimony: July 29, 2010.Herzog & Carp, Houston, TX

Santa Barbara Bank adv. NordykeSuperior Court of the State of California for the County of Ventura2008. Opined re: negotiation of checks with allegedly forged endorsements.Deposed: December 30, 2008. Trial testimony: April 15, 2009.Nordman Cormany Hair & Compton LLP, Oxnard, CA

U.S. Bank adv. Unified School District 5012007. Opined re: bank practices to identify counterfeit checks.Shook Hardy & Bacon, Kansas City, Missouri

U.S. Bank adv. Golenberg Trust and Golenberg2007. Opined re: alleged wrongful dishonor of a check.Submitted Expert Opinion Report January14, 2008.Dorsey Whitney LLP, Irvine, CA

Washington Mutual adv. Geoffroy and MackUnited States District Court, Southern District, CA2007. Opined re: telephone transfers performed by customer impersonation.Jeffer Mangels Butler & Marmaro, LLP, Lost Angeles, CA

Bank of America adv. Maria Cristina PertierraLos Angeles Superior Court, Northwest Branch – Van Nuys2007. Opined re: disputed withdrawals from a joint account.Produced expert opinion report March 2007.Barton Klugman & Oetting LLP, Los Angeles, CA

Colonial Bank and SunTrust Bank adv. Pacific Forest ProductsUnited States District Court, Southern District of Florida2006. Opined re: kiting.Produced preliminary expert report December 2006.Steven Mishan, Miami, FL.

Jodi Pratt, C.V., page 8

EXPERT WITNESS ASSIGNMENTS: (con’t)

City National Bank adv. Thomas H. Casey, Chapter 7 Trustee of DFJ Italia, Ltd.Superior Court of the State of California, County of Orange, Central Justice Center2006. Retained as a consultant re: alleged improper new account practices and misappropriation.Quinn Emanual Urquhart Oliver & Hedges, LLP, Los Angeles, CA

Bank of America adv. Angeline HebertSuperior Court of the State of California, Orange County2006. Opined re: safe deposit procedures for securing forced boxes.Deposed: February 2006.Frandzel Robins Bloom and Csato, LC, Los Angeles, CA

Bank of America adv. Joseph E. DiPalmaUnited States District Court, District of Nevada2006. Opined re: negotiation of transactions with allegedly forged signatures.Jones Vargas, Las Vegas, NV

Bank of America adv. Rodolfo De LunaSuperior Court of the State of California for the County of Los Angeles2006. Opined re: safe deposit entry practices.Prepared Expert Opinion Report December 2006. Deposed January 2, 2007.Barton Klugman & Oetting LLP, Los Angeles, CA

Greater Bay Bank adv. James J. Walsh and Michael E. WoodSuperior Court of the State of California in and for the County of Santa Clara2008. Opined re: procedures for name changes on accounts.Deposed: April 15, 2008. Trial testimony: October 1, 2008.Barbara Cray, Redwood Shores, CA

Warneke v. (White & Pedersen &) RabobankSan Diego Superior Court2008. Opined re: signature authority on trust deposit accounts.Palmieri, Tyler, Irvine, CA

Wells Fargo National Association adv. Heester I. McMurryDistrict Court, Clark County, NV.2008. Opined re: alleged wrongful distribution from checking account.Smith Larsen & Wixom, Las Vegas, NV

Center Bank adv. Thomas Levine2008. Retained as consultant re: alleged wrongful discharge of a bank employee.King Holmes Paterno & Berliner, LLP, Los Angeles, CA

Bank of America, et al. adv. Accurate Air Engineering, Inc.Superior Court of the State of California, County of Los Angeles2005. Opined re: negotiation of checks with allegedly forged endorsements.Deposed: October 18, 2005.Frandzel Robins Bloom and Csato, LC, Los Angeles, CA

Jodi Pratt, C.V., page 9

SPEAKING ENGAGEMENTS:

Interviewed on “Privacy Piracy” by Mari Frank, regarding Proactive Consumer Fraud Prevention, aired December 15, 2014.

“Counterfeit Cashier’s Checks: Avoiding Both Fraud and Revenue Losses”, co-presenter, BAI Payments Connect Conference, Las Vegas, NV, March 12, 2014

“State of the Fraud Industry”, BITS Financial Services Roundtable, Fraud Working Group Meeting, Washington, DC, July 30, 2013

“Identity Theft Risks and Prevention Tips”, Bank of the West, Women’s Connection Symposium-Financial Education, Concord, CA, May 10 & 22, 2012

“Fighting Insider Fraud from the Inside Out”, co-presenter, BAI Payments Connnect Conference, Las Vegas, NV, March 12, 2012

“Panel Discussion on Fraud Prevention Solutions: Applying Innovative Approaches with Integrated Platform”, moderator, Orbograph’s 13 th Recognition User’s Conference , Boston, MA, October 4, 2011

“Bridging the Gap Between Check Fraud Prevention and Red Flag Compliance”, co-presenter, Orbograph and the Santa Fe Group Webinar, March 18, 2010

“Financial Fraud in a Downturn Economy”, Communication Fraud Control Association, Key Note at Spring Educational Event, San Diego, CA, March 16, 2010

“21st Century Fraud in Payments”, Western Payments Alliance Payments Symposium, Long Beach, CA, September 13, 2009

“A Consultant's View: Industry Assessment of Check and Deposit Fraud”, co-presenter, Orbograph and the Santa Fe Group Webinar, June 25, 2009

“Beyond Compliance: Integrating New Regulations into Your Risk Management Practice”, co-presenter, The Santa Fe Group Webinar, November 12, 2008

“Developing an Effective Fraud Risk Management Plan”, American Strategic Risk Management Insurance Risk Management for Financial Services Summit, Arlington, CA, June 18, 2008

“Horizontal Payment Fraud – Attacking Cross Silo, Cross Channel, Cross Enterprise Fraud”, Bank Administration Institute (BAI) Combating Payments and Check Fraud Conference, San Diego, CA, October, 23 2007 and North East Automated Clearing House, Payments Insights 2007, Burlington, NA, November 5, 2007

“Fraud Detection and Risk Management Products and Services – What They Are, How They Work, Which to Choose”, Bankers’ Hotline Security Officers Workshop, Philadelphia, PA, October 3, 2007

“New Fraud Challenges…Moving from Paper to Electronics”, BAI Regional Workshop, co taught with Kim Duncan, Chicago, IL, July 10-11, 2007; Atlanta, GA, August 22-23, 2007; San Diego, CA, September 6-7, 2007

Jodi Pratt, C.V., page 10

SPEAKING ENGAGEMENTS (con’t):

“Check Fraud and the Law Workshop”, Santa Fe Group, co-taught with Paul Carrubba, San Francisco, CA, June 27, 2007

“Mitigating Insider Fraud,” BAI Graduate School, Nashville, TN, June 4 & 5, 2007

“Internal Fraud: Making the Invisible Visible”, BAI Audit, Compliance and e-Security Conference, New Orleans, LA, April 23, 2007

“Managing the Insider Fraud Threat”, co-presented Webinar with Actimize, March 1, 2007

“Remote Channel Fraud Workshop”, Santa-Fe Group, Las Vegas, NV, November 9, 2006

“Basics of Check Fraud” pre-conference workshop and “Managing Risk in Internal Fraud: How to Use Fraud Detection Tools to Monitor and Mitigate Risk”, conference session, BAI Combating Payments and Check Fraud Conference, Baltimore, MD, September 24-25, 2006

“Doing a Successful Fraud Assessment”, Bankers’ Hotline 2006 Security Officers Workshop, Philadelphia, PA, September 13, 2006

“Identity Theft and Identity Frauds,” Financial Service Centers of America (FiSCA) Annual Conference, New York City, NY, September 25 & 26, 2005

“Fraud Workshop: Check, Deposit and ACH”, Western Payments Alliance, Portland, OR; San Francisco, CA; Sacramento, CA; Pasadena, CA; Salt Lake City, UT, August 15-24 2005

“The Next Wave of Fraud Prevention”, Western States Securities Officers’ Meeting, San Francisco, CA, March 22, 2005

“Unanticipated Risk Implications of Check 21”, Global Concepts Forum , Atlanta, GA, February 3, 2005

“Winning the Race against Fraud”, and “Incorporating Check 21 Risk Mitigation into the Mainstream of Transaction Processing”, BAI Identity Theft and Payments Fraud Conference, November 8 & 10, 2004

“Check 21 and Fraud”, Financial Service Centers of America (FiSCA) Annual Conference, Fajarto, Puerto Rico, October 9 & 10, 2004

“Unanticipated Risk Implications of Check 21”, BAI Check 21 Workshop, Chicago, IL, August 11, 2004

“360 Degree View of Fraud”, BAI Transaction Payments Conference, Las Vegas, NV, May 18, 2004

“Unanticipated Risks of the Check 21 and What to Do about Them,” FSTC Conference, luncheon speaker, San Francisco, CA, March 31, 2004

“Advanced Check and Deposit Fraud,” BAI Check and Deposit Fraud Pre-Conference Workshop, San Antonio, TX, November 14, 2003; Baltimore, MD, November 10, 2002; Rancho Mirage, CA,

Jodi Pratt, C.V., page 11

SPEAKING ENGAGEMENTS (con’t): November 10, 2001; BAI Transaction Processing Pre-Conference Workshop, Anaheim, CA, May 7, 2002 “Escalating Risk and Emerging Solutions for Financial Service Centers,” Financial Services Centers of America (FISCA) Annual Conference, Colorado Springs, CO, October 25-26, 2003

“Check Fraud Prevention and Risk Management Strategies,” BAI Transaction Payments Pre-Conference Workshop, New Orleans, LA, May 6, 2003

“Image-Enabled Fraud Control,” BAI Transaction Payments Conference, New Orleans, LA, May 8, 2003

“Check Fraud: Where Are We, Where Are We Going and What Do We Do Now?” CHUBB Seminars, Dallas and Houston, TX, March 23 and 24, 2002

“Current Industry Trends in Fraud Control,” Fiserv Executive Advisory Board meeting, Boca Raton, FL, March 10, 2002

“Cheque Fraud in the US,” Global Concepts/APACS’ Cheque Forum; Tring, England, UK, May 3, 2001

Check Fraud Risk Management and Fundamentals of Check and Transaction Account Fraud training program, in conjunction with BAI, San Francisco, California, March 5-7, 2001 “Multi-Layer Approach to Check Fraud Prevention”, Barbara Loescher and Associates Credit Union Check and Fraud Prevention Conference, Las Vegas, Nevada, August 10, 2000; Western Payments Alliance Check Fraud Seminar, Portland, Oregon, October 13, 1998; Oakland, California, October 14, 1998; Los Angeles, California: October 15, 1998; BAI 1998 Security and Fraud Conference, New Orleans, Louisiana: April 22-24, 1998; BAI 1997 Combating Check Fraud Conference, Orlando, Florida: November 17, 1997

“Practical Check Fraud Detection Techniques,” BAI Transaction Processing Conference pre-conference workshop, Las Vegas, Nevada, March 7, 2000; BAI Audit Compliance, Electronic and Security Conference, Las Vegas, Nevada, April 2, 2000; BAI Combating Check Fraud Conference, Scottsdale, Arizona, November 14, 1999; March and April 2000

“Check Fraud Control Update,” Western League of Savings Institutions, California Bankers Association and California Credit Union League Security Management Conference, Palm Springs, California, June 9, 2000) “Automated Check Fraud Prevention Solutions”, BAI National Conference on Community Bank Technology, Nashville, Tennessee: October 5, 1999

“FraudBAN – The Shared White Collar Crime Database”, IAFCI Conference, Vail, Colorado: September 16, 1999; Global Concepts Check Forum, Atlanta, GA, June 9, 1999; BAI Transaction Processing ’99, Miami Beach, Florida, April 19, 1999; BAI 1998 Combating Check Fraud Conference, New Orleans, Louisiana, November 17, 1998

Jodi Pratt, C.V., page 12

SPEAKING ENGAGEMENTS (con’t): “Current Check Fraud Schemes and Solutions” Western League of Savings Institutions, California Bankers Association and California Credit Union League Security Management Conference, Palm Springs, California, June 17, 1999

“Check Fraud Today”, IAFCI – Annual Training Seminar, Norwalk, California, March 3, 1999

“Lies, Half-truths and Misconceptions about Check Fraud”, Global Concepts Check Forum, Atlanta, Georgia, November 5, 1997

“Viewing Fraud as an Alternative Market Segment” BAI 1996 Combating Check Fraud Conference, Scottsdale, Arizona, November 18, 1996

“The Fraud Market Segment”, Executive Enterprises Payment System Fraud Conference,Scottsdale, Arizona, October 11, 1996

“US Banks and Check Fraud”, Global Concepts/APACS’ Cheque Forum, London, England,, March 6, 1996

“Check Fraud …. and What You Can Do about It”, Oregon Society of Certified Public Accountants Financial Fraud Conference, Portland, Oregon, May 17, 1995