ATM Working Group

1. ATM Working Group AID “What-Ifs” Sub-Group

2. 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

3. 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