1. Jeremy Gumbley | CTO | CreditCall 2013 Payments Summit February 7, Salt Lake City EMV in the Cloud A viable solution for the US EMV migration?

2. www.creditcall.com jeremy.gumbley@creditcall.com linkedin.com/in/jgumbleywww.level2kernel.com How it is done today POS Terminal embedded EMV Kernel Terminal Management System (TMS) Typically dialup PSTN

3. www.creditcall.com jeremy.gumbley@creditcall.com linkedin.com/in/jgumbleywww.level2kernel.com How it could be done tomorrow EMV Kernel resides in the ‘Cloud’ Other typical terminal features could be provided by a web service

4. www.creditcall.com jeremy.gumbley@creditcall.com linkedin.com/in/jgumbleywww.level2kernel.com Advantages of a Kernel in the Cloud Terminal has less software and complexity Instant software updates Instant software update rollbacks Instant EMV configuration changes Easier to change bank/acquirer/processor All transaction data stored in the Cloud

5. www.creditcall.com jeremy.gumbley@creditcall.com linkedin.com/in/jgumbleywww.level2kernel.com Disadvantages of a Kernel in the Cloud Reliant on good IP communications (3G/LTE/Wi-Fi/DSL) Transaction times may be slightly slower No offline transaction support Not possible to support contactless transactions

6. www.creditcall.com jeremy.gumbley@creditcall.com linkedin.com/in/jgumbleywww.level2kernel.com

7. www.creditcall.com jeremy.gumbley@creditcall.com linkedin.com/in/jgumbleywww.level2kernel.com A vision of the future Terminal will become ‘dumb’ and provide a human interface to transactions and other services in the Cloud.

8. www.creditcall.com jeremy.gumbley@creditcall.com linkedin.com/in/jgumbleywww.level2kernel.com About CreditCall A leading Payment Gateway Established in 1997 Offices in the UK and USA Over 10 years of EMV excellence Over 1 million EMV Kernels deployed worldwide 150+ EMVCo certifications

9. Thank you! Jeremy Gumbley CTO | CreditCall jeremy.gumbley@creditcall.com +1 (800) 868 1832 linkedin.com/in/jgumbley jeremy_gumbley CreditCall CreditCall