Marketing and Planning

PROPRIETARY

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registered trademarks or trademarks of Vantiv, LLC in the USA and other countries. ® indicates USA registration.

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Agenda

• EMV Roadshow

• Conversion Planning

• Advisory Level Marketing

EMV Roadshow

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Sheraton Nashville Downtown

November 12 & 13, 2014

Room rate is $249 + tax/night

1-800-325-3535 Reference: Vantiv *To take advantage of this great rate reserve your room by Monday, October 13

Vantiv, Your EMV Connection, would like you to join our experts as we share the ins and outs

of EMV; what it is, and how it works.

Some of the topics that will be covered are:

• EMV Past, Present & Future

• U.S. Market Recap

• EMV Conversion Planning

• EMV Certification and Testing

• Marketing and Training

• Issuer Call to Action

Conversion Planning

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EMV Project Questionnaire Debit/Gateway Credit

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FI ACRO Core Processor

FI Contact Core Contact

Email Email

Phone Phone

General Project Information

1. List each BIN and type that will be part of this project:

2. Will any BINs be new to the Vantiv system? If yes, which BINs?

3. Will BIN extensions need to be set up for any new or existing BINs?

4. Will the EMV Advisory Services team be engaged in the project?

EMV Rollout Strategy

5. What EMV Rollout Strategy will be used for this project?

6. If Mass Issue is the preferred strategy, will Vantiv or the FI/Core create the reissue file?

EMV Testing Requirements

7. EMV Authorization Message Preference?

8. If the Activity File is used, will EMV data be included?

9. 10. What modes of maintenance are used today? Issuer Direct, Card Extracts, MCIF, Web Services?

Card Production

10.What type of plastics will be used for each BIN?

11.Will custom card carriers or inserts be part of the EMV rollout?

Conversion Process Debit

• RM/Client will fill out EMV Questionnaire - Debit

› Client must have card design/artwork prior to submitting project.

• Option 1: Oberthur generic or custom card stock

• Option 2: G&D “white plastics” – custom artwork or choose from Oberthur

stock images

› Determine if EMV Advisory Services will be in scope

• Service Manager will open EMV eRequest. This will

kick-off the project and a Conversion Manager will be

assigned.

› Legal addendum must be signed prior to opening of eRequest.

EMV Rollout Strategy Reissue Options - Debit

• Natural Reissue – Vantiv’s recommended strategy

› All cards going forward from “X” date will be EMV

• Pros: no need to change card extracts/web services/MCIF, spread cost of reissue over time

• Cons: not all cards will be EMV by October 2015 liability shift

• Mass Reissue

› Reissue all plastics – stagger expiration dates over time

• Pros: no need to change card extracts/web services/MCIF, all cards will be EMV by October

2015 liability shift

• Cons: incur reissue costs at once

• Selective Reissue

› Allow FI to reissue mag stripe and EMV cards at the same time within a given BIN,

offering EMV cards to individuals with specific profiles

• Pros: save on plastic costs by not giving everyone an EMV plastic

• Cons: card extract/web services/MCIF change required, not all cards will be EMV by October

2015 liability shift

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EMV Rollout Strategy Testing Requirements - Debit

• Authorization Message › No EMV Data - internal testing only, no core involvement

• No changes to authorization message

• Core will not be able to use, display or report any EMV data

› Partial EMV Data - testing with core is required

• NEW field in authorization message, no change to existing fields

• Core may or may not use the new information in the authorization, display or

reports

› Full EMV Data - testing with core is required

• NEW fields in authorization message

• CHANGE to existing fields in authorization message

• Core may or may not use the new information in the authorization, display or

reports

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EMV Rollout Strategy Testing Requirements - Debit

• Activity File (Settlement) › No EMV Data - internal testing only, no core involvement

• No changes to Activity File

• Core will not be able to use, display or report any EMV settlement data

› Full EMV Data - testing with core is required

• Additional information in Activity File, indicating EMV detail

• Core may or may not use the new information in the authorization, display or

reports

• Card Extracts/Web Services/MCIF › No change required if BIN issues EMV exclusively

› Recertification required if BIN will allow mag stripe AND EMV plastics

• New fields will have to be populated

• Testing will be required

› Web Services/MCIF will not be ready before Q1 2015

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EMV Program Fast Track Debit

• Reissue – Natural › Do not allow both mag and chip cards to be issued under the same BIN.

› Choose a date and have all cards going forward be issued as EMV plastics (new and

reissues).

› No CDX/Web Services/MCIF changes are required because there is no mass issue,

so nothing needs to be coordinated with DBC.

• Testing – No EMV or Partial Authorization Data › The core does not have to be part of the authorization process so the EMV data in

the message is purely informational. This can cut down on testing time.

• Card Production – G&D white plastics › This cuts down rollout timing significantly because custom EMV plastics do not have

to be created and the FI does not need to maintain EMV stock. This can be either

custom artwork or chosen from a library of stock designs. (we are presently at 12

weeks from date of custom EMV card approval to plastics being ready for testing)

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Conversion Process Credit Unique BIN

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1. Client will fill out E-form (questions similar to Debit EMV Questionnaire).

› Client must have card design artwork completed prior to submitting project.

Specs will be available in the Product Kit & eventually online at Oberthur.

2. Client Services will open Conversion Management E-Request. This

will kick-off the project.

› Legal addendum must be signed prior to opening of E-Request.

3. For First Wave Implementation by Q1 2015, all forms are due by

OCTOBER 1st. More communication is forthcoming.

4. Shared BIN’s will be handled as a separate project; work to begin in

Q4 2014.

EMV Marketing Tools

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Helping Our Clients Transition to EMV and Create Opportunities

Portfolio Review

LEAD WITH ANALYTICS

Reissue Strategy

Activation Strategy Awareness Strategy

Monthly Reporting and Analysis

Look for more details coming this Fall!

• Our EMV Advisory Level Services

provides the education program our

clients need.

› Our analytical approach will help

identify prime EMV prospects and

ongoing activation strategies.

› Our strategies will keep your

cardholders engaged while driving

transactions and revenue.

› Our support collateral will help

cardholders understand the benefits of

the chip card.

› Our in-branch training will help branch

employees discuss the chip card with

customers/members.

EMV Marketing Collateral

More to Come…

Inserts

Letters/Emails Card Carriers

Take Ones/

Brochures

Digital Screen

Self Mailer

Digital Banners

Client Resources

• Debit Clients

› Client Connection

› News You Can Use newsletter

• Credit Clients

› Client Center

› Vantiv View newsletter

• EMV microsite

› info.vantiv.com/emv

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Questions?

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