Property of the EMV Migration Forum © 2013 ATM Working Group AID “What-Ifs” Sub-Group

Property of the EMV Migration Forum © 2012 AID “What-Ifs” Sub-group Objective for consideration – Maintain existing US ATM routing infrastructure  ATM Acquirers, utilizing network BIN tables and proprietary routing logic, decide where to route transactions acquired at their ATMs Taking into consideration their obligations to the network operating rules for networks they choose to accept at their ATMs  Some ATM Acquirers choose to “blackhole” all acquired ATM activity to their processor or network, for subsequent routing to other networks, at the acquirers instructions  On-Us ATM transactions are typically not routed through shared networks, but maintained within the acquirers own systems for routing and authorization Some acquirers may elect to route a portion of their on-us activity through a shared network for specific business reasons

Property of the EMV Migration Forum © 2012 AID “What-Ifs” Sub-group We should look at each of the following potential scenarios to understand the implications for all stakeholders and educate the relevant working groups of those implications  Scenario 1 – EMV card – US issued, one EMV application, one AID  Scenario 2 – EMV card – US issued, one EMV application, multiple AIDs  Scenario 3 – EMV card – US issued, two EMV applications, one or more AIDs under each application  Scenario 4 – EMV card – Non-US issued, one EMV application, multiple AIDs