Arcot and Yodlee Partner Providing Multi-Factor Online Security for Financial Applications

Financial Institutions Reap the Benefits of Arcot Strong Authentication to Securely Track and Manage Customers' Financial Assets

Sunnyvale, California -- October 30, 2006 — Arcot Systems, Inc., the leading provider of multi-factor authentication, risk management, and digital signature solutions, today announced a partnership with Yodlee, Inc, an innovator and leading provider of online financial solutions, to deliver multi-factor authentication capabilities with the full suite of Yodlee's solutions and services.

Financial institutions will now have the ability to use Arcot's strong authentication and risk management solutions to prevent identity theft and fraud while ensuring seamless interoperation with Yodlee's suite of solutions - including bill pay, personal financial management (PFM), and advisor applications. Arcot and Yodlee will integrate the Arcot® RiskFort™ risk management and Arcot® WebFort® multi-factor authentication solutions with the full suite of Yodlee applications. RiskFort measures the fraud potential of every online transaction while WebFort provides strong, PKI-based user authentication with a simple username/password interface. RiskFort and WebFort are included in Arcot's suite of FFIEC-compliant strong authentication solutions.

“Yodlee is committed to ensuring that consumers have secure access to their personal accounts wherever they choose to access that information,” stated Schwark Satyavolu, Chief Technology Officer at Yodlee. “Both through our own technological innovation and through partnerships with leading strong authentication providers like Arcot, we are helping to provide a robust, secure solution that gives financial institutions the ability to reduce the risk of online fraudulent access and improve customer confidence of online transactions.”

Arcot's RiskFort examines the characteristics of each online transaction using multiple factors including Device ID, IP address, time and frequency of access to score the potential for fraud for every online transaction. Organizations can set their own risk threshold for a range of response options, based on the risk score. The responses range from allowing a transaction, to prompting for additional information, to escalating to a customer service representative, to real-time blocking. Arcot's WebFort provides true user two-factor authentication using the ArcotID® software smart card. WebFort delivers strong authentication and protection from attacks including man-in-the-middle while continuing to support the familiar user name and password interface.

“The partnership between Arcot and Yodlee gives customers access to Yodlee's solutions and services with the added protection provided by Arcot's RiskFort risk management and Arcot's WebFort strong authentication,” stated R. ‘Doc' Vaidhyanathan, Vice President of Product Management for Arcot. “This strategic partnership strengthens online banking authentication and provides easy access to financial applications.”

About Yodlee
Leading financial institutions trust Yodlee to power critical online banking applications that increase profitability and drive more value from the online channel. Yodlee's proven consumer banking, payments solutions, wealth management, and risk management applications unify all personal financial account information to deliver a simple, centralized and secure way for consumers to manage all of their financial tasks – any time, anywhere. Yodlee makes financial institutions' websites essential to their customers and generates new revenue opportunities. Over 100 leading financial institutions and portals, including Ameriprise Financial, AOL, Bank of America, Fidelity, JPMorgan Chase, Merrill Lynch, and MSN, today offer Yodlee-powered solutions to millions of customers worldwide. Yodlee operates in the United States and Europe and is headquartered in Redwood City, California. For more information, visit www.yodlee.com.