EMV Advisory Level Services

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Agenda

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• EMV Landscape

• Product Overview

• Marketing Collateral

• Getting Started

EMV Landscape

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Ready or not, EMV is here…

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Visa and MasterCard have cautioned that if financial institutions are not ready for EMV by next October, they could face significant

financial and reputational risk. Less than 50% of card-issuing credit unions are expected to have both credit and debit cards set up

for EMV by next fall, according to some industry insiders. (11/9/14)

Sources: Credit Union Times, BankInfoSecurity, Business Week, CDNet, MasterCard Advisors

On Friday (10/17/14), President Obama signed an executive order to speed the

adoption of EMV-standard cards in the US.

The Payments Security Task Force, which includes MasterCard, CitiBank, JP Morgan Chase, Bank of America and Wells

Fargo, predicts 575 million EMV cards will be issued in the US by the end of 2015, and 47 percent of all US payment terminals

will accept the cards. (Nov 2014)

According to a MasterCard consumer attitudes study conducted in March 2014, consumers list enhanced security of chip cards as their #1 benefit

5 Source, MasterCard “Chip Card Consumer Attitudes” study, March 2014

Consumers expect their chip cards to be widely accepted

6 Source, MasterCard “Chip Card Consumer Attitudes” study, March 2014

Consumers expect Financial Institutions to educate them

7 Source, MasterCard “Chip Card Consumer Attitudes” study, March 2014

• “Even when it comes to learning how to use their card at other types of merchants, nearly half (44 percent) of consumers see their financial institution as their primary source of information, compared to only 31 percent who expect such education to come from merchants.

A welcome kit would be most helpful for consumers

8 Source, MasterCard “Chip Card Consumer Attitudes” study, March 2014

The future capabilities of chip cards are of interest to consumers

9 Source, MasterCard “Chip Card Consumer Attitudes” study, March 2014

We continue to see the trend to use the term “Chip” in cardholder-facing materials

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“Smart Chip Card, Chip Technology”

“Visa Chip”

“Chip and Pin”

“Chip Card, Chip Technology”

“Smart Chip Card”

“Chip Card” “Card with Chip”

Source: Corporate Websites, 2014

Product Overview

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EMV Advisory Level Services is a comprehensive, data driven approach that maximizes revenue & minimize costs

• Identify prime EMV prospects – Portfolio Review › High Value Cardholder & Card Types › Fraud Analysis › Vintage Activation Analysis › Cross-Border Transaction Analysis

• Engage cardholders and drive transactions and revenue

• Help cardholders understand the benefits of the chip

card

• Prepare front line staff to discuss the chip card with cardholders

Portfolio Review Dashboard

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Key Insights • 32% of the Debit cards in the

portfolio are high priority for EMV reissue

• 33% of cardholders wait 31+ days to activate; 13% never activate

• 287 card accounts make 867 foreign transactions (1.3% of base)

• 29.3% of the portfolio is transacting in high fraud states

• 25% of the cards represent 62% of sales volume

EMV Portfolio Review Dashboard Report Date: November 2014

High Value Cardholders • Average spend per card is $712 • Cards spending $1k or more

represents 25% of the cards /62% of sales volume

• Average txns per card is 16.4 • Cards transacting more than 25

represents • 25% of the cards or 61% of sales

volume

High Value Cardholders

Along with a Portfolio Review, we have additional levels of support

EMV Program Management

Full service strategy and

execution support from Vantiv Customized to your strategy,

need, and size Reissue, Activation, and

Awareness strategies Monthly reporting and analysis Complete turnkey marketing

support Internal training planning

EMV Turnkey Marketing Collateral

Self service strategy and execution to meet your timeline

Access to collection of turnkey marketing materials

Customize with your brand logo/look and feel

Marketing Collateral Samples

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EMV Print Marketing Collateral

More to Come…

Welcome Kit

In-Branch Print Kit

Self Mailer

Letters

EMV Digital Marketing Collateral

More to Come…

Digital TV Static

Digital Banners

Emails

Digital ATM Static :30 & :15 Digital Short

In-Branch Demo Terminal

Counter card signage to display with Terminal

Terminal will arrive with a FAQ and Users Guide

Getting Started

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To order Marketing Collateral, visit www.VantivMarketingDirect.com to get started

Thank you!

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