ZOCCAM. Send funds anywhere, anytime.

1. 1
W E L C O M E T O
CONNECTING THROUGH INNOVATION.

2. WHY ZOCCAM?
V E R S I O N 6 . 0
ZOCCAM streamlines the home buying experience
by enabling the parties to securely send funds
and documents to the Escrow Agent,
as well as, authenticate the borrower’s identification.
S I M P L I C I T Y S A F E T Y S E C U R I T Y
2

3. 3
CONNECTING THROUGH INNOVATION
Download App & Register
Select Escrow Agent
Enter Property Information
Attach Contract [optional]
Capture Front & Back of Check
Deliver!
T H E P R O C E S S
Total Check Encryption
Protection of NPI
No Manual Delivery
Data Not Stored on Device
Order Execution
Real-time Notifications
T H E D E T A I L S
Decreased Liability
Send Funds, Anywhere @ Anytime
Faster Sales Cycles
Consumer Empowerment
Cost Savings
Focus on What Matters
T H E B E N E F I T S

4. REAL ESTATE SECTOR

5. 5
DECREASE
LIABILITY
D A T A P R O T E C T I O N
P e r s o n a l h a n d l i n g o f h o m e b u y e r ’ s
c h e c k s i s e l i m i n a t e d , h e l p i n g t i t l e
c o m p a n i e s c o n f o r m w i t h A L T A B e s t
P r a c t i c e s , i n c l u d i n g m o s t n o t a b l y P i l l a r 3
( N P I p r o t e c t i o n ) .
FASTER
SALES CYCLES
C L O S I N G O P T I M I Z E R
T i t l e o r d e r s a r e o p e n e d s i m u l t a n e o u s l y w i t h
c o n t r a c t e x e c u t i o n . C o n t r a c t s a n d d e p o s i t s
t h a t a r e r e a d y a f t e r b u s i n e s s h o u r s w i l l b e
s e n t i m m e d i a t e l y .
COST
SAVINGS
I N C R E A S E P R O F I T A B I L I T Y
Z O C C A M e l i m i n a t e s c o s t s a s s o c i a t e d
w i t h w i r e t r a n s f e r s , p e r s o n n e l
e x p e n s e s , a n d c o u r i e r f e e s w h i c h
e n h a n c e s t h e c u s t o m e r e x p e r i e n c e a n d
d r i v e s r e t e n t i o n .

6. 6
INCREASED
BRAND
AWARENESS
P A R T N E R L O Y A L T Y
T h e E s c r o w A g e n t ’ s b r a n d i n g i s
p r o m i n e n t l y d i s p l a y e d o n t h e
p l a t f o r m a n d e m a i l n o t i f i c a t i o n s .
CONSUMER
EMPOWERMENT
& TRANSPARENCY
R E A L - T I M E F E E D B A C K
Z O C C A M ’ s n o t i f i c a t i o n s y s t e m a l l o w s
t h e p a r t i e s t o r e c e i v e i n f o r m a t i o n a b o u t
t h e c l o s i n g p r o c e s s a n d c o n f i r m s
d e l i v e r y o f t h e c o n t r a c t a n d d e p o s i t .
SPEED &
EFFICIENCY
E X P A N D E D M A R K E T R E A C H
T h e e n t i r e p r o c e s s o f s e n d i n g
f u n d s i s a u t o m a t e d t h e r e b y
r e d u c i n g t r a n s a c t i o n t i m e a n d
e f f o r t .

7. 7
A S H L E Y C O O K
C E O & F O U N D E R
W H O I S B E H I N D Z O C C A M ?
ZOCCAM is about saving time. It’s about giving those precious moments of your life back to you to enjoy.
That’swhy we built ZOCCAM.If we can do things better, smarter and more efficiently, we can spend more time where it truly matters.
Earnest Money delivery is critical.Securely delivering a buyer’s down payment is crucial.
ZOCCAM facilitates a faster, more convenient, and secureway to deliver funds so that parties in a real estate transaction can
focus on what is genuinely important. Whether you spend thistime with your friends, family or to get more deals done, it isour gift to
you. Thankyou for supporting ZOCCAM! We are very proud of what we do and constantly look for more ways to improve and expand
our services to better your work and life.
A FEW WORDS FROM OUR CEO
LEADERSHIP TEAM
Life moves fast.

8. 8
S T E P 1 S T E P 2 S T E P 3
T h e R e a l t o r d r i v e s t o
c l i e n t , p i c k s u p e a r n e s t
m o n e y d e p o s i t .
T h e R e a l t o r p r i n t s a n d
e m a i l s t h e c o n t r a c t .
A DAY IN THE LIFE OF A REALTOR
E A R N E S T M O N E Y M A N U A L D E L I V E R Y T I M E L I N E
Take ManualDelivery, Deposit& Document Management Outof Your Process
to Reduce Risk and TransactionTime While IncreasingSecurity.
M A N U A L
E A R N E S T
M O N E Y
D E L I V E R Y T h e R e a l t o r c a l l s E s c r o w
A g e n t
f o r d e l i v e r y .

9. 9
S T E P 5 S T E P 6
A DAY IN THE LIFE OF A REALTOR
E A R N E S T M O N E Y M A N U A L D E L I V E R Y T I M E L I N E
Take Manual Delivery, Deposit & Document Management Out of Your Process to Reduce Risk and Transaction
Time While Increasing Security.
W H E R E A R E
W E N O W ?
S T E P 4
T i t l e C o m p a n y s e n d s
c o u r i e r , F e d E x l a b e l , o r
t h e R e a l t o r d r i v e s t o t h e
T i t l e C o m p a n y .
T i t l e C o m p a n y m a n u a l l y
r e c e i p t s c o n t r a c t a n d
e a r n e s t m o n e y , s c a n s
c h e c k t o d e p o s i t .
T i t l e C o m p a n y i n p u t s
d a t a i n t o c o m p u t e r t o
o p e n o r d e r a n d l o c k s
c h e c k i n l o c k b o x .

10. 10
“It is better to fail in
originality than to
succeed in imitation.”
H e r m a n M e l v i l l e
In the short time it
takes to post an
Instagram, you’ve
deposited the check
and opened the
order.
ZOCCAM IT!

11. 11
ZOCCAM EMD FUNDS PROCESS
V E R S I O N 6 . 0
Select Escrow Agent
ZOCCAMFunds WalkthroughZOCCAMRegistration Walkthrough
Partner branding
showcased in-app

12. Metadata
All transaction information confirmed
with timestamps. Order number generated
included (if integrated with title software).
View Check
Link included to view the check
captured in internet browser for
verification purposes.
Tech Support
Timely response team available to
handle inquiries from all parties in the
transaction via phone/chat/email.
REAL-TIME NOTIFICATIONS
Send Funds & Receive Confirmation Anywhere @ Anytime
12

13. Integrated with
industry leader
DocuSign
SECURITY
Intricate custom
branded
template
BRANDING
Presented in-app,
not shareable
DELIVERY
WIRINGINSTRUCTIONS
ZOCCAM’s encrypted storage protects the wiring instructionsfrom access by unauthorizedparties. The
wiring instructions documents arestamped witha uniqueID to protect againsttampering.An
authorizedrepis required to fill outthe form and digitallysign.
“The new wiring instructions feature gives our
clients a peace of mind when wiring funds
during a close.” - ZOCCAM Partner in VA

14. 14V E R S I O N 6 . 0
ZOCCAM PROCESS
Create trust across the life of the loan from the origination to the secondary market.
ZOCCAM's mobile ID verification offers a solution for ensuring the validity of the borrower's
identification. ZOCCAM's [ID] Check evaluatesthe identification documentto determineits
authenticity and if it has been altered in any way. If a document is fraudulent, it is
immediatelyrejected.
D E T E C T F R A U D U L E N T I D D O C S
I M M E D I A T E F E E D B A C K
F A S T & A C C U R A T E
N O D A T A S T O R E D O N D E V I C E

15. 15
ZOCCAM PROCESS
Authenticator Description
Rounded Corner Presence
Evaluates the originality of the identity document;
did the consumer just capture the image or did they get it from the internet?
ID Document Blacklist
The "ID Document Blacklist" authenticator evaluates the likelihood that an ID is part of a set of blacklisted IDs.
A higher score means that it is unlikely that the ID is black listed.
Black and White Copy Evaluates if the ID is a black and white copy. A higher score means it is unlikely that the ID is a black and white copy.
Generic Font Checks for font inconsistencies.​
Classification Detection Evaluates whether Coreflow was successfully able to classify the document.
ESF Detection Enhanced Security Feature (ESF) Detection
Page Ensemble Authenticator
The Page Ensemble Authenticator leverages the results
of most of the other authenticators to determine document authenticity.
Document Ensemble Authenticator
The Document Ensemble Authenticator leverages the results
of most of the other authenticators to determine document authenticity.
Human Face Presence Evaluates if document is a novelty; does the document contain the expected human face?
Human Face Comparison
The ZOCCAM platform uses sophisticated face comparison algorithms to automatically compare the portrait
found on an identity document with a selfie and return a clear indicator for how well they match.
Date Field Font Consistency Evaluates if date field font is consistent with expected font types; were the characters altered?
Data Comparison Data Comparison (Front Back Comparison)
Evidence Components Processed
Evaluates if certain components within the evidence collection were successfully processed.
This authenticator is present only if the processing status of an image is not "successful."

16. 16
ZOCCAM PROCESS
V E R S I O N 6 . 0
Select Escrow Agent
[ID] CHECK WALKTHROUGHPartner branding
showcased in-app

17. 17
INTEGRATIONS INCREASE SCALABILITY
W I T H Z O C C A M
B R O A D E N A N D
R E T A I N Y O U R
C L I E N T B A S E
I N C R E A S E D
R A T E S O F
D E P O S I T S
E N H A N C E T H E
C U S T O M E R
E X P E R I E N C E
S T R E A M L I N E
D A T A
T R A N S F E R
E N H A N C E
T R A N S A C T I O N
C O O R D I N A T I O N
D E C R E A S E C O S T S
A S S O C I A T E D W I T H
M A N U A L T A S K S
ZOCCAM partners withleadingindustrytitleproductionsoftware platformsto deliver the contractand open the titleorder. Reap the benefits from day one
witha seamlessintegration.

18. 18
CLOSINGSALES
API Web Services
TitleCompany
TOS
Mortgage
LOS
ZOCCAM
Data & Document Transfer
System IntegrationZOCCAM API
User
INTEGRATIONS
INCREASE
SCALABILITY
V E R S I O N 6 . 0
Byintegrating platforms, funds are
deposited, documents are delivered,
and the orderis opened.
• TitleCompanies
• Lenders
• Vendors
• And more!!
CONNECTING THROUGH
INNOVATION.

19. 19
YOUR VIRTUAL COURIER
Z O C C A M
The precise service you need at the moment when you need it.
When delivering funds on time is the only option and all parties in
the transaction benefit from a smooth closing.
C O R E
BUYER
REALTOR
BROKER
SELLER
ESCROW
AGENT
LENDER

20. 20
ZOCCAM MARKET MAP
ZOCCAM removes location barriers between the escrowagent, realtors, and consumers. Being able to open the order
without needing to visitthe branch will attractcustomers that were once dissuaded by geographical proximity.
Expanded to 46 Markets!
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware,
Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine,
Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri,
Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico,
New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon,
Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee,
Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin,
Wyoming

21. 21
Early adopters of ZOCCAM
have an advantage in attracting
and retaining customers.
DON’T GAMBLE WITH SECURITY
ZOCCAM addresses the demand for an improved customer experience
by providing a convenient, secure method of delivery with quicker availability of funds for an overall
improved customer experience.
CEO
ashley@zoccam.com
A S H L E Y
VP of Product Development
dalexander@zoccam.com
D E N I S
COO
wnorton@zoccam.com
W A Y N E
Digital Marketing Specialist
jvickers@zoccam.com
J O L E N E
L E T ’ S C O N N E C T !

22. THANK YOU
CONNECTING THROUGH INNOVATION.