Global Product Marketing Growth Opportunities Paul Rasori Vice President Global Product Marketing

Global Technology Drivers Contactless Wireless Press coverage: US Bank launches contactless credit card pilot in Denver CR80News, VA - Dec 4, 2006 ... items - and carry less cash. More than 600 merchant locations in the Denver area are ready to accept payments with contactless cards. ... Dubai Airport expedites travel with contactless cards Contactless News, VA - Nov 13, 2006 Dubai International Airport is using a card management and issuing solution with contactless smart cards to expedite passage at electronic gates. ... 11 million cards globally under PayPass scheme Malaysia Star, Malaysia - 22 hours ago KUALA LUMPUR: MasterCard currently has more than 11 million cards in circulation ... PayPass is a contactless card payment programme that enables consumers to pay ... British Airways takes steps to secure credit card transactions SC Magazine, UK - 11 hours ago ... and a wireless handset to allow access to all passengers, even those sitting in window seats. The SkyPort Plus can also store information from the Credit Card ... Automated Vending Technology Announces Cashless Vending Solutions PrimeZone (press release), CA - 4 hours ago ... Wireless to process the transaction over the wireless network. "AVT is currently finalizing beta testing and will be offering credit card solutions for its RAM ... New Zealand Supermarkets Deploy VeriFone Wireless Payment System TMCnet - 4 hours ago ... According to Lazy Yanay, VeriFone Asia managing director, wireless payment makes it possible to set up payment quickly, at low cost, and wherever it is needed. ... Card fraud forces hi-tech changes Independent Online, South Africa - Nov 5, 2006 ... bank would issue the new EMV cards as old ones expired. Kleynhans said most bank card fraudsters were also involved in other serious crimes. "Credit cards are ... Smart Card Shipments To Grow By 20% in 2007 Card Technology, IL - Nov 7, 2006 ... That includes the start of renewals for the massive wave of EMV cards UK banks and credit card companies began to issue about three years ago. ... Another 5,000 PayPass self-service terminals roll out Thewisemarketer.com (subscription), UK - Nov 28, 2006 ... more self-service point-of-sale terminals and vending machines with its e-Port cashless transaction system to accept MasterCard PayPass contactless payments. ... VeriFone Exceeds 150,000 POS Systems Sold Under Mexico’s ... Business Wire (press release), CA - Nov 13, 2006 ... of Electronic Payments) which sponsors a series of actions aiming to promote the usage of electronic payments under the name “Boletazo,” such as ... EMV Security VAT Tax IP Enabled Unattended

America’s Technology Drivers Contactless Wireless Press coverage: US Bank launches contactless credit card pilot in Denver CR80News, VA - Dec 4, 2006 ... items - and carry less cash. More than 600 merchant locations in the Denver area are ready to accept payments with contactless cards. ... Dubai Airport expedites travel with contactless cards Contactless News, VA - Nov 13, 2006 Dubai International Airport is using a card management and issuing solution with contactless smart cards to expedite passage at electronic gates. ... 11 million cards globally under PayPass scheme Malaysia Star, Malaysia - 22 hours ago KUALA LUMPUR: MasterCard currently has more than 11 million cards in circulation ... PayPass is a contactless card payment programme that enables consumers to pay ... British Airways takes steps to secure credit card transactions SC Magazine, UK - 11 hours ago ... and a wireless handset to allow access to all passengers, even those sitting in window seats. The SkyPort Plus can also store information from the Credit Card ... Automated Vending Technology Announces Cashless Vending Solutions PrimeZone (press release), CA - 4 hours ago ... Wireless to process the transaction over the wireless network. "AVT is currently finalizing beta testing and will be offering credit card solutions for its RAM ... New Zealand Supermarkets Deploy VeriFone Wireless Payment System TMCnet - 4 hours ago ... According to Lazy Yanay, VeriFone Asia managing director, wireless payment makes it possible to set up payment quickly, at low cost, and wherever it is needed. ... Card fraud forces hi-tech changes Independent Online, South Africa - Nov 5, 2006 ... bank would issue the new EMV cards as old ones expired. Kleynhans said most bank card fraudsters were also involved in other serious crimes. "Credit cards are ... Smart Card Shipments To Grow By 20% in 2007 Card Technology, IL - Nov 7, 2006 ... That includes the start of renewals for the massive wave of EMV cards UK banks and credit card companies began to issue about three years ago. ... Another 5,000 PayPass self-service terminals roll out Thewisemarketer.com (subscription), UK - Nov 28, 2006 ... more self-service point-of-sale terminals and vending machines with its e-Port cashless transaction system to accept MasterCard PayPass contactless payments. ... VeriFone Exceeds 150,000 POS Systems Sold Under Mexico’s ... Business Wire (press release), CA - Nov 13, 2006 ... of Electronic Payments) which sponsors a series of actions aiming to promote the usage of electronic payments under the name “Boletazo,” such as ... Security

America’s Growth Opportunities Mobile Payments Contactless Press coverage: US Bank launches contactless credit card pilot in Denver CR80News, VA - Dec 4, 2006 ... items - and carry less cash. More than 600 merchant locations in the Denver area are ready to accept payments with contactless cards. ... Dubai Airport expedites travel with contactless cards Contactless News, VA - Nov 13, 2006 Dubai International Airport is using a card management and issuing solution with contactless smart cards to expedite passage at electronic gates. ... 11 million cards globally under PayPass scheme Malaysia Star, Malaysia - 22 hours ago KUALA LUMPUR: MasterCard currently has more than 11 million cards in circulation ... PayPass is a contactless card payment programme that enables consumers to pay ... British Airways takes steps to secure credit card transactions SC Magazine, UK - 11 hours ago ... and a wireless handset to allow access to all passengers, even those sitting in window seats. The SkyPort Plus can also store information from the Credit Card ... Automated Vending Technology Announces Cashless Vending Solutions PrimeZone (press release), CA - 4 hours ago ... Wireless to process the transaction over the wireless network. "AVT is currently finalizing beta testing and will be offering credit card solutions for its RAM ... New Zealand Supermarkets Deploy VeriFone Wireless Payment System TMCnet - 4 hours ago ... According to Lazy Yanay, VeriFone Asia managing director, wireless payment makes it possible to set up payment quickly, at low cost, and wherever it is needed. ... Card fraud forces hi-tech changes Independent Online, South Africa - Nov 5, 2006 ... bank would issue the new EMV cards as old ones expired. Kleynhans said most bank card fraudsters were also involved in other serious crimes. "Credit cards are ... Smart Card Shipments To Grow By 20% in 2007 Card Technology, IL - Nov 7, 2006 ... That includes the start of renewals for the massive wave of EMV cards UK banks and credit card companies began to issue about three years ago. ... Another 5,000 PayPass self-service terminals roll out Thewisemarketer.com (subscription), UK - Nov 28, 2006 ... more self-service point-of-sale terminals and vending machines with its e-Port cashless transaction system to accept MasterCard PayPass contactless payments. ... VeriFone Exceeds 150,000 POS Systems Sold Under Mexico’s ... Business Wire (press release), CA - Nov 13, 2006 ... of Electronic Payments) which sponsors a series of actions aiming to promote the usage of electronic payments under the name “Boletazo,” such as ... PAY at the Table Wireless PCI Compliance Security

America’s Growth Opportunities Mobile Payments Contactless Press coverage: US Bank launches contactless credit card pilot in Denver CR80News, VA - Dec 4, 2006 ... items - and carry less cash. More than 600 merchant locations in the Denver area are ready to accept payments with contactless cards. ... Dubai Airport expedites travel with contactless cards Contactless News, VA - Nov 13, 2006 Dubai International Airport is using a card management and issuing solution with contactless smart cards to expedite passage at electronic gates. ... 11 million cards globally under PayPass scheme Malaysia Star, Malaysia - 22 hours ago KUALA LUMPUR: MasterCard currently has more than 11 million cards in circulation ... PayPass is a contactless card payment programme that enables consumers to pay ... British Airways takes steps to secure credit card transactions SC Magazine, UK - 11 hours ago ... and a wireless handset to allow access to all passengers, even those sitting in window seats. The SkyPort Plus can also store information from the Credit Card ... Automated Vending Technology Announces Cashless Vending Solutions PrimeZone (press release), CA - 4 hours ago ... Wireless to process the transaction over the wireless network. "AVT is currently finalizing beta testing and will be offering credit card solutions for its RAM ... New Zealand Supermarkets Deploy VeriFone Wireless Payment System TMCnet - 4 hours ago ... According to Lazy Yanay, VeriFone Asia managing director, wireless payment makes it possible to set up payment quickly, at low cost, and wherever it is needed. ... Card fraud forces hi-tech changes Independent Online, South Africa - Nov 5, 2006 ... bank would issue the new EMV cards as old ones expired. Kleynhans said most bank card fraudsters were also involved in other serious crimes. "Credit cards are ... Smart Card Shipments To Grow By 20% in 2007 Card Technology, IL - Nov 7, 2006 ... That includes the start of renewals for the massive wave of EMV cards UK banks and credit card companies began to issue about three years ago. ... Another 5,000 PayPass self-service terminals roll out Thewisemarketer.com (subscription), UK - Nov 28, 2006 ... more self-service point-of-sale terminals and vending machines with its e-Port cashless transaction system to accept MasterCard PayPass contactless payments. ... VeriFone Exceeds 150,000 POS Systems Sold Under Mexico’s ... Business Wire (press release), CA - Nov 13, 2006 ... of Electronic Payments) which sponsors a series of actions aiming to promote the usage of electronic payments under the name “Boletazo,” such as ... PAY at the Table Wireless PCI Compliance Security

Contactless Success in the US Total Contactless Cards In U.S. Market (Millions) Q1 2007 Issuing Banks Chase . . . . . . . . . . . 7,000,000 (c) Citibank . . . . . . . . . 2,500,000 (d) KeyBank . . . . . . . . . 2,200,000 (d) AmEx . . . . . . . . . . . . 2,000,000 (c) HSBC . . . . . . . . . . . . 1,000,000 (d) Citizens Bank . . . . . 1,000,000 (d) GE Money . . . . . . . . . 900,000 (c) Wells Fargo . . . . . . 400,000 (c) Millions of Cards 10 20 30 40 50 60 2005 2006 2007 By year end 2006, there were over 35,000 merchant locations accepting contactless payments including … Source: Card Technology, Mercator Advisory Group, 2006, 2007 McDonald's . . . . . . . 13,000 CVS . . . . . . . . . . . . . . 5,400 7-Eleven . . . . . . . . . . 5,300 Arby’s . . . . . . . . . . . . 3,500 Ritz Camera . . . . . . . 1,100 plus others including MLB and NFL stadiums

US Contactless Acceptance Locations Contactless Acceptance at U.S. Merchants C-Store Grocery Gas Station Pharmacy Quick Service Restaurant Retail Stadium June 30, 2007 Source: Smartcard Alliance

Simple Tap and Go Payments … THANK YOU Consumer Marketing Message Focused on Speed and Convenience

Contactless Payment Drivers Increase card transaction volume and revenue by replacement of low value cash transactions Reduced card skimming fraud Fast transaction time, throughput Greater spend at checkout, no cash shortage Competitive differentiation Card Issuer, Banks and Merchants Speed / convenience No need to carry cash Consumers Value Proposition

Mobile NFC Payment Drivers Increase card transaction volume and revenue by replacement of low value cash transactions Reduced card skimming fraud Fast transaction time, throughput Greater spend at checkout, no cash shortage Competitive differentiation Card Issuer, Banks and Merchants Speed / convenience No need to carry cash Speed / convenience No need to carry cash Consumers More Consumer Benefits Needed To Balance The Equation! Value Proposition Value Proposition

Enter NFC … NFC = Near Field Communications Short range wireless technology which enables secure, bi-directional communications between electronic devices PAYMENT Peer to Peer Smart Poster Building Access Ticketing

+ + Enter NFC … NFC is Compatible with Contactless Payments Traditional Cards can be “issued” to your Mobile Phone and securely stored and accessed in a Mobile Wallet application. PAYMENT + PAYMENT SCHEMES MOBILE WALLET APPLICATION +

Simple Tap and Go Payments … THANK YOU

Mobile NFC Payment Drivers Increase card transaction volume and revenue by replacement of low value cash transactions Reduced card skimming fraud Fast transaction time, throughput Greater spend at checkout, no cash shortage Competitive differentiation Card Issuer, Banks and Merchants Speed / convenience No need to carry cash Consumers More Secure than your current wallet Convergence of payment and non payment applications More “at hand” than your wallet Value Proposition Value Proposition

Mobile Payments and the Future of NFC Andy Canstonguay Director, Yankee Group Consumer Research “Preparing Retail for the Mobile NFC Transactions Evolution” David Talach Director, VeriFone – Global Product Marketing “VeriFone Contactless and NFC Solution Strategy”

Growth Opportunity: PCI Compliance

Merchants Security Issue: Numerous Touch Points in Enterprise In-store LAN Store Back Office Gateway Payment Processor WAN Must protect: Consumer facing devices POS cash register POS local area network Store back office server Enterprise wide area network Home office server

Merchants Security Challenge: Expense of Identifying and Closing Gaps In-store LAN Store Back Office Payment Processor WAN Protecting cardholder data currently requires: Upgrades or modification to ensure ALL applications that capture, manage, transmit or store card holder information within enterprise meet Payment Applications Best Practices Upgrade of existing wired / wireless networking infrastructure to state of the art high-security routers, switches and hubs Wholesale changes to password and other system access security policies within the enterprise Costly, annual audits from approved third-party auditors Cardholder Information

Industry Security Mandate (PCI Compliance): Third Party Monitoring and Penalties Third Party Audit and Oversight In-store LAN Store Back Office Payment Processor WAN Numerous procedural & business process changes Cardholder Information

Security John Verdeschi Vice President, MasterCard Worldwide Payment System Integrity Group “Payment Card Industry Data Security Standard (PCI DSS) Update” Jeff Wakefield Vice President of Marketing, Integrated Systems “Payment Security: Opportunities for Leadership and Growth”

Growth Opportunity: TablePAY

Benefits to Restaurants and Guests Cost Savings Operational Efficiency Fraud Prevention Improved bottom line from less costly payments such as PIN debit. Optimized payment workflow to maximize employee efficiency. Reduced incidence of fraud and the accompanying PR nightmare. Restaurant Benefits Expanded payment options improves customer satisfaction. Reduced wait time & more convenient experience. Enhanced feeling of security and comfort. Customer Benefits Choice Convenience Security

Preventing Fraud at Restaurants Card skimming Tip Skimming Card Not Present Card skimming

Today’s Payment Paradigm Current practice at restaurants: Cardholders are NOT present during the transaction! Secure PCI Audited POS Station Unsecured Gap in Cardholder Security Trusting Consumer

New Payment Paradigm Must Emerge The new “best practice” in restaurants: “Cardholder Present” Secure PCI Audited ON THE SPOT Solution Trusting Consumer

ON THE SPOT ON THE SPOT describes VeriFone’s solutions for payments at the point of service for restaurants and hospitality locations. It’s about bringing secure, efficient payment solutions right to the spot of the transaction.

Pay At the Table “ON THE SPOT Hospitality Solutions” John Thompson Vice President of Information Technology for Cara Operations Presents “Cara Operations & The Business of TablePay” Bulent Ozayaz Vice President, VeriFone – North American Wireless Solutions “ON THE SPOT Hospitality Solutions”