MORPHO NATIONAL & RESIDENT IDENTITY CARD SOLUTIONS

MORPHO NATIONAL & RESIDENT IDENTITY CARD SOLUTIONS CUSTOMIZABLE END-TO-END SOLUTIONS FOR SECURE, RELIABLE IDENTITIES We live in an ever more connected world, one in which digital technology is leading the way to greater mobility and all the challenges and opportunities that this brings. One set of challenges is that faced by governments in issuing citizens with secure, reliable identity cards. An identity card must prove beyond any doubt the genuineness and the uniqueness of the holder s identity. Government and the private sector both rely on this. It is this that forms the basis of trust through which people are granted rights, privileges and services, both online and face-to-face. Morpho has delivered over 2.8 billion secure identity documents worldwide (1). Our ID card solutions counter identity forgery and impersonation, in full compliance with laws, international standards and privacy requirements. Moreover, Morpho s ID card solution includes all the necessary features for secure and convenient access to online services. We are your No. 1 partner in meeting ID management challenges. (1) As of January 1 st 2015

MORPHO NATIONAL & RESIDENT IDENTITY CARD SOLUTIONS CUSTOMIZABLE END-TO-END SOLUTIONS FOR SECURE, RELIABLE IDENTITIES Morpho YOUR BEST PARTNER With more than 50 government programs worldwide, Morpho is the only company with all necessary resources and expertise in house. We, at Morpho, are dedicated to understanding governments specific needs and the challenges they face. We support public authorities at every crucial step of any national ID or resident card project: Project definition, including: Consulting: definition and dimensioning of the solution, encompassing all aspects of the project - technical design, integration and production strategy, financing, regulatory aspects. Solution conception: analysis of the existing system, design of a customized and integrated solution. Production strategy: we provide flexible options depending on the project, such as: in-house secure document production capabilities, on-site setup of dedicated production facilities with staffing and maintenance, local partnerships for document production and personalization. Project financing and legal framework: tailor-made business and legal models, including Public Private Partnerships (PPP) and Build Operate & Transfer models (BOT). Deployment and operations: System deployment: including installation, setup, integration with existing solutions, population management database and operator/administrator training. In-service support: with hot-line/helpdesk, solution monitoring and auditing, maintenance, disaster recovery, system upgrades and back-up certification. By design, Morpho s solutions are highly customizable and can complement existing operations. Whether we supply a new solution, an extension or a modernization, your business processes (including legal, regulatory and privacy issues), operational conditions, IT environment and financial constraints will pose no problem. Morpho operates in 100 countries with the backing of a major multinational technology group. We can handle large scale projects, short delivery times and any operational conditions. FIGHTING IDENTITY FRAUD Identity fraud frequently plays a part in acts of terrorism, violent crimes and illegal immigration. It represents a threat to national security and a significant cost for governments. Because of this, trusted identity is fundamental to national security and the economy. Identity is a key building block for trust between parties in both online and face-to-face transactions. Morpho provides some highly effective tools to detect threat patterns and fight several types of identity fraud. Morpho technology can counter appropriation of identity, use of false identity, identity theft and impersonation. All Morpho solutions comply with laws and privacy regulations.

A TRUSTED PARTNER AT THE SERVICE OF GOVERNMENTS To date, Morpho has delivered more than 2.8 billion secure identity documents. Here we present three examples of Morpho s long-lasting partnerships, highlighting our unrivalled expertise in identity programs. UNITED ARAB EMIRATES: ONE OF THE FIRST FULLY FEATURED SMARTCARDS Morpho supports the Emirates IDentity Authority (EIDA) in modernizing and securing the national identity system. The United Arab Emirates (UAE) has embarked on a modernization of its identity management system. It is a move to bring both nationals and residents into the digital age, whilst protecting them against identity theft. Since 2003, the UAE has placed its confidence in Morpho for the design, implementation and operation of the ID card system. To meet EIDA requirements in terms of security and reliability, Morpho proposed a particularly innovative end-to-end solution. The solution has been tailor-made to meet local legislation and the demands of culture and family structure. The system involves: A BIOMETRIC MULTI-APPLICATION SMARTCARD Microchip: Containing demographic and fingerprint data Match-on-card system Privacy by design: ciphering, digital signature and PKI applications Building and maintaining a reliable civil registry of unique identifiers based on fingerprint acquisition of nationals and residents; Issuing high technology electronic smart ID cards with embedded electronic and physical security features; Managing the smartcard lifecycle; Enabling the card to be much more than a simple document. Multiple applications give access to numerous services and the card also acts as a travel credential and election card. Key facts: To date, more than 23 million smart ID cards produced; Daily production capacity of up to 22,500 smart ID cards; 47 registration centers across the country; Mobile enrolment capability; AFIS database capacity of 15 million records.

MORPHO NATIONAL & RESIDENT IDENTITY CARD SOLUTIONS CUSTOMIZABLE END-TO-END SOLUTIONS FOR SECURE, RELIABLE IDENTITIES A TRUSTED PARTNER AT THE SERVICE OF GOVERNMENTS THE NETHERLANDS: SETTING NEW STANDARDS TO COUNTER IDENTITY FRAUD Morpho provides the Dutch government with the latest generation ID card solution to anticipate and counter identity fraud. The Netherlands is a highly modern European Union country and they demanded effective measures to counter the most common threat to the security of ID cards: photo substitution. In June 2014, the government authority renewed its confidence in Morpho by awarding a contract to provide highly secure ID cards for both citizens and residents. Morpho clear understanding of Dutch government specific needs and challenges made the difference. We designed an identity card that incorporates the very latest technology and complies with strictest industry standards. The new identity card for citizens of the Netherlands incorporates Morpho s patented Stereo Laser Image (SLI ) technology. SLI is a world s first, setting new standards in document security. This unique anti-spoofing image cannot be copied. It provides a portrait of the document holder, in compliance with ICAO guidelines and in 3D format. There is no need to move the card or use special glasses. For additional security, a laser perforated number (TLN Tilted Laser Number) is located on the primary image of each ID card. HIGhLY SECURED IDENTITY CARD FOR CITIZENS AND RESIDENTS Polycarbonate card body CONTACTLESS CHIP Stereo Laser Image (SLI) anti-spoofing technology: compliant with ICAO guidelines Full PKI solution JavaCard applets Key facts: Partnership with the Netherlands government since 1995; Delivering, on average, 1.5 million cards per year; Daily card personalization capacity of up to 25,000; Services provided via 800 locations worldwide; Decentralized registration database; ISO 27001 approved.

ALBANIA: A SUCCESSFUL PUBLIC-PRIVATE PARTNERSHIP AND A WORLD-CLASS IDENTITY CARD SOLUTION Morpho provides Albania with a full end-to-end solution, from electronic identity card (eid) design right through to secure access to egov services. In 2008, Albania signed a 5 year BOT (Build, Operate and Transfer) contract with ALEAT a joint venture between Morpho and the Albanian American Enterprise Fund (AAEF) to modernize the country s identity system (1), reduce costs and fight fraud. To meet the 2009 parliamentary election deadline, Morpho succeeded, in just five months, in deploying this ambitious identity project. It entailed: Creating the ALEAT joint venture; Building and commissioning facilities; Designing the visual aspects of the card; Preparing the personalization center; Hiring and training 800 people; Setting up 400 enrollment offices throughout Albania. In 2013, after 5 years of success and an outstanding level of service, the Albanian government, through the Ministry of Interior, extended the partnership with Morpho to 2023. As part of this new initiative in modern public administration, Morpho was called upon to deliver online identity services via secure access to egov and commercial services. We provided the Morpho etrusted Identity Services (etis) platform to enable eid cards to provide convenient and secure access to eservices (bank, fee payment, police, driving test, telecom), in line with local regulations and privacy laws. ealeat Identity Services Morpho s etrusted Identity Services (etis) platform Strong authentication: electronic ID card and fingerprint reader, 1:1 matching Reliable eligibility check Digital signature Mobile ID on smartphones and tablets Key facts: To date, more than 3.3 million eid cards issued; Card personalization capacity: up to 25,000 cards per day; eid card: Polycarbonate, laser engraving, contact & contactless smartcard; Compliance: ICAO, ISO and SAC; ISO 27001. 1- This modernization of the identity system now allows Albanian epassport holders to travel throughout the EU Schengen zone without a visa.

MORPHO NATIONAL & RESIDENT IDENTITY CARD SOLUTIONS CUSTOMIZABLE END-TO-END SOLUTIONS FOR SECURE, RELIABLE IDENTITIES MORPHO ID CARD A STRONG PROOF OF IDENTITY Morpho designs and develops a wide range of ID cards, with different cryptographic features, in various materials and over all possible communication interfaces (contact, contactless, dual). Selecting one ID card type depends on requirements such as security level, future use of the card or economic constraints. Morpho provides a complete portfolio consisting of: Chipless card: offering physical security features such as 3D photo and hologram. IDeal Citiz Air: an entry-level version of the IDeal Citiz smartcard family, it provides simple identification of the holder with: PIN code Match-on-card: fingerprint IDeal Citiz Open: a fully customizable smartcard, well suited to government requirements in terms of cryptographic algorithms and key lengths. It offers an open and standard platform (Java Card, GlobalPlatform ), on top of which government authorities or third parties can deploy their own applications and applicant s data. Applications: ready to host etravel, eid applications, etc Match-on-card: offers standard Application Program Interface (API) for fingerprint, face and iris Certification: Common Criteria EAL5+ IDeal Citiz Master: a fully integrated smartcard, offering all the IDeal Citiz Open capabilities. In addition, it is pre-loaded with Morpho s state of the art etravel (ICAO 9303) and eid (IAS-ECC/eIDAS token) applications. Applications: besides etravel and eid applications, IDeal Citiz Master is ready to host customers additional applications (OTP, epurse, FIDO, etc) Match-on-card: fingerprint, face and iris Certification: Common Criteria EAL5+ PRODUCING HIGHLY SECURE DOCUMENTS A reliable and authentic ID document has to be secure and robust against forgery and counterfeiting. Its production involves several areas of expertise including the physical document (the document body and security features), chip technology and biometrics. The production process and manufacturing facilities must comply with international standards and meet the highest level of security. Morpho has in-house production expertise. In fact, for Mali s critical Presidential Elections, Morpho produced, personalized and delivered 8 million secure National Identification Number (NINA) cards in one month. Morpho s national and resident card solutions cover all government security needs. We secure the whole business process from card body production to ID card issuance, through various procedures and technologies, such as: Compliance with international standards and certifications: Morpho is the first company in the world to win Intergraf certification. Morpho s ID document solution is also compliant with ISO 27 001 and has Visa/MasterCard certification. Production process security: Morpho adopts a holistic approach to securing the production process. It promotes zero tolerance in: Securing access to the production site Securing the card body production process Managing scrap and rejects Managing stocks Ensuring secure shipment Electronic security: secure electronic cryptography ensures a tamper-proof chip that is highly resistant to spoofing. The chip contains demographic and biometric data and complies with international standards (ICAO etc.) for worldwide readability. Physical security: Strong physical security through patented technologies: 3D Photo ID, Image Perforation and Tilted Laser Image, Stereo Laser Image. Other security features include: moving print, tactile relief, clear window, visible and invisible inks, complex holograms, Changeable or Multiple Laser Image.

BUILDING A ROBUST IDENTITY SYSTEM Identity documents must be a strong proof against identity theft and must guarantee absolute uniqueness of identity. Only a truly robust identity system can provide this. Biometrics: the key to robust, non-ambiguous proof of identity: The use of biometrics is the single most effective contribution to reliable population registry. It guarantees uniqueness and ensures that a person s identity can be trusted. This is the case for matching at both registration (1 to all) and verification (1 to 1). Morpho s solutions can exploit 3 main biometrics: fingerprint, face and iris. Selecting one or more biometrics depends on specific requirements, whether cultural, economic or dictated by security constraints. CUSTOMIZABLE END-TO-END BUSINESS PROCESS A modern approach and methodology Morpho manages all aspects of a fully customized, end-to-end, secure identity management program. We cover the whole process to: Issue trusted identities; Embed and integrate identities into secure smartcards and systems; Enable and manage the use of identities. Our identity solution is delivered as a set of modules that are independent and fully scalable. Each project is a combination of one or several modules of the identity management suite. Modules can be integrated into an existing business process or a completely new system. Morpho World Leader in biometric technologies Morpho s biometric matching algorithms are continuously ranked #1 in NIST evaluations Biometric algorithms are developed in-house We pioneer On-the-Fly biometric capture Our systems offer Multi-biometric fusion We manage extra-large databases (UIDAI, India with over 800 million residents registered) Morpho matchers lead in accuracy and speed Capable of connecting to national and international databases to enable global verifications. Supports name matching and data mining to provide identity reconciliation. Track and trace controls access rights and audits every step in the business process; there is no weak link in the process that fraudsters can exploit.

MORPHO NATIONAL & RESIDENT IDENTITY CARD SOLUTIONS CUSTOMIZABLE END-TO-END SOLUTIONS FOR SECURE, RELIABLE IDENTITIES CUSTOMIZABLE END-TO-END BUSINESS PROCESS 1 IDENTITY REGISTRATION 2 IDENTITY VERIFICATION AND VALIDATION 3 IDENTITY CREATION & MANAGEMENT FOR THE CIVIL REGISTRY During initial registration, knowing the applicant is a vital part of building a robust and reliable civil registry. After acquisition of personal data, background verifications are performed on the applicant s identity uniqueness and eligibility, in compliance with local regulations and privacy laws. After identity validation, a unique applicant identifier is created, with personal data being securely stored in the civil registry. Main capabilities: Applicant data acquisition, including breeder documents Applicant biometric data capture (face, iris, fingerprint) Real time quality control on biometrics Main features: Multi-channel enrollment: fixed, mobile and web pre-registration Automatic control of enrollment errors Operator access rights monitoring Main capabilities: Automated identity claims verification, including person s existence and uniqueness in the database Automated eligibility verification, including person s age, nationality and criminal background Investigation of suspicious cases Main features: Accurate authentication and identification using Morpho s #1 ranked biometric matchers Connection to external databases Watch list and population groups management Support multiple processes and entitlements simultaneously Main capabilities: Identity lifecycle management: create, validate, update status, delete, revoke, merge and consolidate Maintain identity data reference Main features: Privacy by design Secure storage Differentiated identity management policy Role based access control

4 CARD PERSONALIZATION 5 CARD ISSUANCE 6 CARD LIFE CYCLE MANAGEMENT Once the right to an identity document is granted, we need to create a reliable, durable, secure, personalized identity card. Before issuance of the ID card, we perform further identity verification to ensure we are delivering the card to the rightful owner. As soon as an order to produce a card is received, we track and trace its status: Has it been produced? Has it been sent to the remote issuance site? Has it been delivered to its rightful owner? We also manage the card throughout its life: Has it expired? Was it stolen? When should it be renewed? Main capabilities: Data validation & optimization Card body and chip personalization Data integrity and Quality control Main features: Track and trace at every step of personalization Package and distribution management Stock management Management of all types of secure document Main capabilities: Biometric verification (match-on-card, 1:1) Document authentication Main features: Multi-biometric verification Compatibility with a wide range of biometric scanners Authentication of large document templates Main capabilities: Life cycle management Post issuance operations, including card activation, application management, certificate management Main features: Real time traceability: physically and logically E-services: online update and installation of new applications

MORPHO NATIONAL & RESIDENT IDENTITY CARD SOLUTIONS CUSTOMIZABLE END-TO-END SOLUTIONS FOR SECURE, RELIABLE IDENTITIES EXPAND THE POSSIBILITIES An ID card is much more than a simple document to be presented during a transaction or when requested by law enforcement. A Morpho ID card presents its owner with a truly impressive range of applications and uses. E-SERVICES, ANY TIME ANYWHERE Once the trusted identity is created, government authorities and even private organizations can offer e-services (e-banking, e-healthcare etc.), based entirely on that identity. This means that governments can use existing assets (electronic identities and repositories) to build an online trust framework that both public and private service providers can exploit to deliver their services. This online trust framework must, in itself, guarantee security and privacy between service providers and users. Morpho delivers an online trust framework as part of its identity issuance solution. We provide secure and convenient access to a wide range of e-services, such as online citizen registration for the renewal of an ID document, in compliance with local regulations and privacy laws. The Morpho solution consists of a plug and play platform for strong online user registration, user authentication, attributes management, eligibility checks, digital signature, transactions archiving and traceability. Scalable and open, our digital trust platform provides standard web APIs for fast and easy integration into any type of e-service application. Morpho s trust platform is convenient and makes it very easy and quick to adopt online services. This Morpho offering removes potential obstacles to using the system, for both the general public and service providers. We offer easier implementation of online services (no middleware installation, no need for access to the ID card) and easy access and use of online services (no need to install and update software and we support a variety of devices). MORPHO S etis PLATFORM: e-services any time anywhere Secure access to online services requires strong user authentication. Morpho etrusted Identity Services provide a range of simple and secure authentication modes. They are performed on fixed and mobile devices and through all existing means of authentication. A biometric ID card can be the entry point, enabling easy access to a vast range of secure online services. Choosing one mode depends on requirements, whether related to economics, IT infrastructure or dictated by security constraints.

A MULTI-APPLICATION CARD Morpho s modern, flexible ID card can offer a truly impressive range of services bringing convenience and added value and contributing to economic development. Depending on government strategy and organization, all or some of these services can now be offered to selected card holders. The result is an ID card that can also provide the holder with healthcare, a driving license, rights to vote, transport, international travel rights and a host of other privileges. A TRAVEL CREDENTIAL Depending on laws and agreements on free movement between countries (EU Schengen, Gulf Cooperation Council, etc), the identity card can play the role of a travel credential for entering and leaving the country. Morpho s ID card solution includes all the features to provide etravel applications. IDENTITY VERIFICATION WITH ABSOLUTE CONFIDENCE Morpho ID card streamlines and secures access to both public and private services, face to face and online, for many services, including Banking and egovernment. Morpho ID systems ensure strong authentication through smartphones, tablets and document readers, for extremely strong identity verification. In face to face transactions, state-of the art, easily recognized security features are used to authenticate the document in addition to reading the data stored into the chip. Online, the ID document is authenticated and matched against the holder to ensure the highest level of trust. The following checks are performed: Photo capture of the ID card and automatic detection of ID card security features to ensure document authentication; Contactless ID card reading via smartphone (NFC technology); Biometric matching of a live selfie, to the portrait printed on the ID card or stored in the chip; Identity Background check: connection to the identity database to validate the status of the document. Once the holder s identity is validated and qualified, depending on the type of transaction, further verifications can be performed. These might include monitoring against a watchlist, blacklist, etc., by connecting to external databases (police, central bank, tax, services, etc.).

key missions, key technologies, key talents 08/2015 - Photos : Adrien Deneu/Morpho, Eric Vernazobres/Morpho, Arben Çeli/ Morpho, Thinkstock, Emirates Identity Authority Morpho 11, Boulevard Gallieni - 92130 Issy-les-Moulineaux - France Tél. : +33 (0)1 58 11 25 00 - www.morpho.com Société par actions simplifiée au capital de 159.876.075 euros 440 305 282 R.C.S NANTERRE