CCME Project Update Chip Card Mass Enablement

North American Retail Payments

September 2015

The Webcast will begin momentarily.

CSCU will be hosting several interactive town hall sessions limited to 50 people each during the week of September 14th to address questions specifically related to the membership agreement. www.cscu.net/Webcast

CCME Stats

Over 2,000 Issuers will be chip enabled due to CCME.

This represents almost 19,000 unique bin/plan and

product/sub product combinations that will be certified, configured, and

validated.

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CCME Wins

Market Leadership Further Enhanced for both FIS and CSCU

First large scale processor in industry to have a mass chip enablement project First in market to certify and utilize SC4C2 chip with Visa

Longer chip card life cycle for personalization Less vendor dependency for chip personalization

Partnered with Visa to develop a new CIQ process specifically for CCME Partnered with MasterCard who developed a new mass key transmission process Saved FIS CSCU Credit Unions thousands of dollars in implementation costs Allowed all FIS credit Issuers to be enabled prior to liability shift while other Issuers may not be enabled until 2016 or later.

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CCME – Status Update Completed

Jan – May 2015

•Mass Key Generation •Mass Key Creation •Vendor certification with Visa •Logo Revisions for Pass Thru •Visa certification with new chip OS across platforms.

•UAT creation of BASE2000 mass company and commercial accounts •New CIQ Process Developed with Visa

Completed June - July

•UAT Testing •New Profile Configuration development •Logo Revisions for TBS and BASE2000 •MasterCard Mass Key Transmission process

•Visa CIQs submitted and key data uploaded •Testing for New Consumer Test Account Creation •Visa Install for Pilot and Main Groups •UAT Testing for BASE2000 •MC Key Testing for TBS and Pass Thru •Pilots for TBS. St. Pete and TBS Madison

In Progress/Up Next

•BASE2000 Pilot •Complete Card Perso Testing •Complete POS Testing •Successfully Enable all CCME Issuers, BINs, Product/Sub Products, and Plans by 9/30!

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Key CCME Milestone Dates

Pilots: 6/25/15 Pass Thru Pilot Completed 07/07/15 TBS CSCU Beta Credit Union Completed 8/21/15 BASE2000 Pilot Completed

Main Groups: 08/07/15 All Pass Thru Complete All BASE2000 Targeting 9/15/15 All TBS (both St. Pete and Madison) Targeting 9/30/15

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New FIS Chip Materials

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NEW FIS Chip Card Carriers

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SAMPLE - TBS Chip Card Carrier

SAMPLE – BASE2000 Chip Card Carrier

· VISA EMV with lost/stolen phone number S9999999VX · VISA EMV w/o lost/stolen phone number - S999999VNX

· MC EMV with lost/stolen phone number - S9999999MX · MC EMV w/o lost/stolen phone number - S999999MNX

NEW FIS Card Activation Label

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• Effective September 1, 2015, all new accounts will utilize the new label • Additional Card Types do not have labels applied • Refer to GEN 031 for additional information.

NEW FIS Chip PIN Mailer

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CSCU Credit Unions’ Next Steps

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CSCU Credit Unions’ Next Steps

Confirm all staff have taken the FIS eLearning EMV Fundamentals course – http://paymenttraining.articulate-online.com/6342077462

Confirm status of Custom Cards orders through FIS Card Pro team. For custom cards prior to December 2015, if the CCME survey wasn’t returned, you will need

to contact your Client Relations Representative to begin the standard custom chip card ordering process.

Communicate your reissue plans to your Client Relations Rep to ensure embossing capacity is available. Order your own test cards: Review graphics and validate logo Front Graphic Back Graphic

Ensure you’re satisfied with all modifications BASE2000 changes can be submitted as of 9/15/15 TBS changes can be submitted as of 9/30/15

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CSCU Credit Unions’ Next Steps Continued

Thoroughly plan on your Friends and Family Pilot. —GEN 025 outlines additional information for the Friends and Family pilot including tips on which types of

merchants to test transactions through. —Utilize the FIS e-library on instructions on how to issue a Pilot chip card as well as how to determine if a

transaction was authorized as a chip.

After your Friends and Family Pilot, request to have your Pilot program/transition end date changed. • Standard Time Frames for maintenance updates will be applicable. • As stated previously, table updates can be submitted for TBS as of 9/30/15 and for BASE2000 as of

9/15/15. • Reference GEN 025 communication if you have questions about what settings were updated.

• Note: We’ve found that a high percentage of our Credit Unions will be reissuing as chip after CCME is completed, so we’ve elected to change the pin delay time frame from 3 to 7 days. —If you are going to be sending out only new cards as chip, you will want to keep this in mind since new

cards typically have a shorter production time frame than reissues so you might want to have these setting updated.

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CSCU Credit Unions’ Next Steps Continued

• Keep in mind that not all merchant types are currently chip enabled or will be as of October. – 75% of Retailers will miss the October deadline. – Liability shift date for Automatic Fuel Dispensers (AFD) chip card terminals is not until 2017. – ATM liability shift begins in 2016 for MasterCard and 2017 for Visa.

• FIS suggests using the payment networks ATM locator services to find chip enabled ATMs in your area. – Visa - http://www.visa.com/atmlocator/index.jsp – MasterCard - http://www.mastercard.com/ie/consumer/atm-locator.html

• Member Education Resource

– The http://GoChipCard.com website focuses on consumer education, and includes valuable tools for merchants and issuers, such as a frequently asked questions list, an infographic and links to other EMV education tools. This and other educational resources FIS have previously provided will help ensure your institution and supporting teams are ready to support a seamless, chip card roll-out to your members.

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Member Education

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“Cardholder payment experience at the POS will change. Check out times will be much slower…POS terminals take more time to read a chip than a mag stripe…it will take time for members to become accustomed to the new process…” -The Mercator Group, Preparing for 2015: The year of the Liability Shift”

Educate Consumers on the Varied Consumer POS Experience

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• Chip Capable Terminals are growing • New POS member Prompts • New Receipt Data Elements

FIS Recommendations

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Understand the Liability Shift

• EMV Migration Forum White Paper - Available as of May 2015 - Download it Here: http://www.emv-connection.com/understanding-the-2015-u-s-fraud-liability-shifts/

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FIS Recommendations

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Any Questions?

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Lydia Plunkett NARP CCME Project Manager