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This paper presents a multimodal biometrics system using watermarking algorithms with two levels of security for simultaneously verifying an individual and protecting the biometric template. Iris template is watermarked in face, such that the face is visible for verification and the watermarked iris is used to cross authenticate the individual and secure the biometrics data as well. The accuracy of the multimodal biometrics system is around 96.8%. This system is also resistant to common attacks on biometric templates.