OT PRODUCTS AND SOLUTIONS EMV-IN-A-BOX

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1 OT PRODUCTS AND SOLUTIONS EMV-IN-A-BOX FOR A SMOOTH MIGRATION

2 EMV DUAL INTERFACE CARDS WILL REPRESENT 50% OF 2016 SHIPMENTS FRAUD PERCENTAGE IS DIVIDED BY 6 IN EMV COUNTRIES COMPARED TO WORLDWIDE AVERAGE END-USER BENEFITS Oberthur Technologies invents products and solutions that match with end-user needs PROTECTION EMV cards bring enhanced protection against counterfeit fraud, as well as taylor made security (CAM and CVM) MULTI-APPLICATION CARDS EMV cards also create many opportunities for beyond payment services provided with the same card (loyalty, physical and logical access control ) EMV-IN-A-BOX COMPLETE OFFER FOR CARD ISSUERS TO LAUNCH AN EMV PROJECT TRAINING AND CONSULTING SERVICES TO BUILD THE PROJECT LEADTIME OF 12 WEEKS TO GET FIRST CARDS VALIDATED COMPLETE PORTFOLIO OF CARDS SUPPORTED (NATIVE, PLATFORMS, CONTACT OR CONTACTLESS, MONO OR MULTI-APPLICATION) WIDE CHOICE OF PAYMENT APPLICATIONS CONTENT OF THE BOX THE EMV-IN-A-BOX SOLUTION INCLUDES A COMPLETE EMV TOOLBOX OF HARDWARE, SOFTWARE, PRODUCT SAMPLES AND SPECIALISED EMV DOCUMENTS, INCLUDING: Project management scope and design methodology. A detailed and proven EMV work plan. Training and knowledge transfer processes. Sample chip cards. Card profile set up tool. Test card validation tool. Key Management tool. Data preparation tool. Desktop personalisation tool. Final unit test and validation tools. TYPICAL SCHEDULE A 12 WEEKS SCHEDULE WITH COMPLETE PROJECT MANAGEMENT: FROM T0 TO WEEK 2: Phase 1 - Project definition and setup WEEK 1 TO WEEK 6: Phase 2 - Profiles specifications and test card delivery. WEEK 2 TO WEEK 8: Phase 3 - Artwork and plastic production. WEEK 3 TO WEEK 9: Phase 4 - Key management. WEEK 2 TO WEEK 10: Phase 5 - Card pre-personalisation & personalisation generation. WEEK 8 TO WEEK 12: Phase 6 - Testing and validation. EXAMPLE OF PROJECTS Migration from magnetic stripe cards to EMV branded cards. Portfolio enrichment with dual interface EMV cards. Emission of CPA.

3 OBERTHUR TECHNOLOGIES EMV-IN-A-BOX EMV is today well known by issuers. However, if reasons for adopting EMV and issuing EMV cards are easy to understand (increased security, better risk management, interoperability ), introduction of an EMV card remains complex and can be time consuming without prior knowledge. This is the reason why Oberthur Technologies proposes the EMV-In-A- Box offer which allows a smooth and fast issuance of EMV cards. Primarily dedicated to issuers willing to migrate from magnetic stripe cards to EMV chip cards, EMV-In-A-Box also addresses issuers willing to extend their portfolio with new products, such as domestic/private label card, dual interface EMV cards or new form factors such as EMV stickers. Mobile operators are interacting with end-users at the time of subscription activation. They can give the choice of phone numbers to the consumers, offer innovative or selected tariff plan, promotions and gather valuable marketing information. OUR PORTFOLIO COVERS ALL INTERNATIONAL AND DOMESTIC EMV IMPLE- MENTATION, AS WELL AS COST EFFECTIVE WHITE LABEL APPROACH FOR THOSE ISSUERS WILLING TO MIGRATE TO EMV IN A NEUTRAL WAY EMV-IN-A-BOX FLAVOURS EMV specifications as issued by EMVCo or by Schemes (American Express, JCB, MasterCard and Visa) allow issuers to choose between a large number of parameters. EMV specifications offer ability to run transaction online or offline, in contact or contactless mode. Those features can be applied to Debit, Credit or Prepaid cards following rules emitted by Schemes. EMV-IN-A-BOX PROJECTS CAN LEAD TO THE ISSUANCE OF EMV CARDS WITH THE FOLLOWING CONTACT OR CONTACTLESS PAYMENT APPLICATIONS: MasterCard M/Chip 4, PayPass M/Chip and M/Chip Advance VISA VSDC and VCPS CPA, CCA or CCD for white label migration American Express AEIPS and ExpressPay Discover D-PAS China UnionPay s PBOC v2 and v3 Domestic payment applications In addition to those applications, EMV-In-A-Box can also come with NFC mobile payment applications when available. WHAT S IN THE BOX EMV-In-A-Box is a fully integrated EMV Migration Solution and Management Programme based on best practices gained by Oberthur Technologies involvement on hundreds of EMV projects worldwide. Our EMV teams leverage this expertise and adapt it to the technological framework and project criteria of the issuer. THE OFFER INCLUDES: Training and consulting Help to select the best applications and profiles Personalisation services from one of the 30+ Oberthur Technologies service centres Cards artwork services Sample cards available 12 weeks after the project starts

4 MAKE THE MOST OF EMV MIGRATION MIGRATE SMOOTHLY THANKS TO TURNKEY SOLUTIONS USE CASE LAUNCH OF A CPA CARD USE CASE EMV FOR TRAVELLERS IN THE USA USE CASE FROM CONTACT TO DUAL INTERFACE In MEA region, a national bank wanted to enhance security for national payment without using schemes defined applications. Through EMV-In-A-Box, Oberthur Technologies was able to advise them and then deliver CPA based cards following all customer s requirements. US Issuers had to manage payment acceptance problems encountered by their cardholders when travelling in Europe. Their requirements were to be able to serve their customers with EMV cards that would be accepted in Europe where EMV has been massively adopted. With EMV-In-A-Box, Oberthur Technologies helped those issuers to rapidly answer their customers need. Specific profiles have been defined allowing cardholders to pay with an EMV card where their magnetic stripe card was previously rejected. In Europe region, Issuer strategy was to promote dual interface card to their cardholders. Thanks to EMV-In-A-Box, Oberthur Technologies provided different sets of profiles on cards that were tested by the customer. In addition, the project definition allowed the launch of multi-application cards with payment and transport applications. Following this EMV-In-A-Box project, the issuer s portfolio includes now dual-interface multiapplication cards proposed in prepaid, debit and credit flavours.

5 A PHASED DELIVERY APPROACH PHASE 1 PROJECT DEFINITION AND SET-UP OBJECTIVES To provide trainings needed, to define product and schedule. Training on EMV transaction, card risk management, card life cycle, etc. Type of card product (contact, dual, CPA, MasterCard, Visa, ) Schedule for 1st test card delivery. PHASE 4 KEY MANAGEMENT OBJECTIVE To generate and securely store keys and certificates. Key requirements. Key, certificate generation and storage. PHASE 2 PROFILES SPECIFICATIONS AND TEST CARD DELIVERY OBJECTIVES To interactively define all the profiles and produce test cards. Use of the Bank Card Configurator (BCC) tool to define the card profiles. Use of Oberthur Technologies Personalisation system (CPS) to produce first test cards. Card type and applications. Test cards. PHASE 5 CARD PRE-PERSONALISATION & PERSONALISATION GENERATION OBJECTIVE To setup pre-personalisation and personalisation with machine setup, data preparation, input file management, fulfilment. Input files. Production files. PHASE 3 ARTWORK AND PLASTIC PRODUCTION OBJECTIVES To produce card samples with final artwork. Selection of Smart Plastics for innovative visual effects. Artwork creation and validation. Customer design requirements and compliance with Schemes rules. Card sample for artwork validation. PHASE 6 TESTING AND VALIDATION OBJECTIVE To produce test and live cards with approved artworks. Card Production files, cards, live keys and certificates. S Test cards with test and live keys. A complete project management covering all phases will be ensured by a dedicated Oberthur Technologies project manager. PHASE 3 OCS MANUFACTURING ENVIRONMENT Artwork VISA/ MASTERCARD PREPRESS Print spec. MANUFACTURING EMBEDDING PHASE 1 & 2 PHASE 4 PHASE 5 Customer Carrier specifications: Key requirements Data preparation spec. Input/output file spec. PRE- PRODUCTION CPS PRE- PERSONALISATION Test card Local TS BCC Customer Card Profiles PHASE 6 CPS PERSONALISATION Personalised Cards CUSTOMER ENVIRONMENT OCS PERSONALISATION ENVIRONMENT

6 OBERTHUR TECHNOLOGIES, A TRUSTED AND INNOVATIVE PARTNER FOR BANKS, FINANCIAL INSTITUTIONS AND RETAIL GROUPS A GLOBAL LEADER IN TELECOM, PAYMENT AND TRANSPORT Trusted supplier to more than 400 telecom customers, 2,000 financial institutions and numerous transport authorities 10 years OTA platform supply experience 20 years experience in secure device personalisation WORLDWIDE COVERAGE WITH LOCAL SERVICE AND SUPPORT More than 50 sales offices with local technical support and customer service Unique network of 30+ service centres around the world Evenly spread customer base Wide network of R&D centres Over 6,000 employees worldwide AN INNOVATION-ORIENTED PARTNER Winner of 11 Sesames Awards in the last 7 years (Cartes exhibition) Undisputed leadership in NFC Key contributor to major standardisation bodies (OSPT, CAN, SPA...) A DAY-TO-DAY RELATIONSHIP 1 million payment cards personalised and shipped every weekday 1 to 2 million SIM cards shipped every calendar day AN EXPERT IN MANAGED SERVICES Solutions operated from Oberthur Technologies services centres High availability service and 24/7 support and maintenance Secured and certified environment AN APPLICATION SPECIALIST Full range of certified payment applets: Visa paywave and qvsdc, Paypass, China Union Pay qpboc, Amex ExpressPay, JCB J/Speedy Range of transport applications based on key technologies Extensive portfolio of over 50 generic SIM applications offering relevant answers to typical operators needs Complete range of user interfaces: mobile applications, midlets, Smart Card Web Server COMMITMENT TO SUSTAINABLE DEVELOPMENT UN Global compact signature ISO certification of all manufacturing plants PEFC certification of scratch card manufacturing site Compliance with international and regional regulations (RoHS, REACH, WEEE, CAA) New materials and form factors to minimise environmental impact Oberthur Technologies respects the environment. The number of printed brochures produced by the company has been significantly reduced to save paper. Printed documents are produced on FSC-certified paper using aqueous inks to reduce environmental impact. Datasheets are available in electronic format only Oberthur Technologies. All rights reserved. Specifications and information subject to change without notice. The products described in this document are subject to continuous development and improvement. All trademarks and service marks referred to herein, whether registered or not in specific countries, are the property of their respective owners. November Version 1 Revision 0.

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