First Data Integrated Token Services

Securing Data. Simplifying Payments.

Since 2010, First Data has led the market in providing token solutions and we continue to partner with industry leaders like Apple® to pave the way for tokens into the future. First Data Integrated Token Services provide a wide range of tokenization options for your data-at-rest and data-in-flight initiatives. Our token services allow you to effectively contain the risk involved with data breaches and reduce the scope of PCI compliance. Contact your First Data Business Consultant to determine which token service options are right for your institution. First Data Integrated Token Services

Tokenization Benefits of Digital Payments Tokenization Tokenization is a process in which a debit or credit card’s primary • Reduce the risk of personal account number exposure, data account number (PAN) is replaced with a random numerical breaches and counterfeit credit and debit card fraud sequence that is unique to a specific device, merchant, transaction • Help preserve valuable Credit and Debit interchange type or channel. revenue for the rapidly growing segment of digital payments Data-at-Rest Tokens (Coming in 2015) Reduce the scope of PCI compliance by replacing PANs with tokens • Positions your institution as a leader in cardholder for the files that you store. For data-at-rest, First Data acts as the convenience, innovation and security Token Service Provider (TSP), creating and maintaining tokens for o Allows you to market to a rapidly growing segment of the your active accounts. These tokens are non-transactionable and population that is embracing tokenization replace the PAN for all files and reports sent from First Data. You will have the ability to access data to translate tokens back into PANs - • Long term reduction in card maintenance expenses as real time or translate tokens back into PANs on an as needed basis. customers shift use from card to tokenized mobile device

Benefits of Data-at-Rest Tokenization Future of First Data Integrated Token Services • Reduce the scope of PCI compliance Apple Pay is the first digital wallet to take advantage of First Data’s • Reduce the risk of internal and accidental data Integrated Token Services and they'll soon be joined by other wallets exposure/breach and merchants. Other providers are actively discussing leveraging the same token services as Apple Pay in the future. First Data will continue to build relationships with financial institutions, merchants Digital Payments Tokens and mobile providers to expand the breadth of card tokenization Enabling game changing mobile device payment technology, Digital and digital/mobile payments. In 2015 First Data will become a TSP TM Payment Tokens are the future of mobile payments. Apple Pay so that we can help expand card tokenization to other card types is the first device provider to pioneer Digital Payment Tokens, in like commercial and private label that are not eligible to participate conjunction with First Data and the Brand Associations. Consumers in digital payments tokenization today. First Data’s long term vision, ® using Apple Pay transact with their token loaded iPhone 6 (or other for supporting digital payments, is to be a full service TSP so that our Apple Pay chip enabled device) instead of their plastic card at the issuers can have a single source to manage both digital payment merchant or when making an in app purchase. The use of Digital and data-at-rest tokens while also gaining direct control over the Payment Tokens eliminates the PAN from storage on the device or at tokenization process. the merchant, thus, eliminating the costly risk of PAN exposure when data breaches occur. First Data and STAR® offer a wide variety of options to enable Digital Payment Token processing.

First Data provides the following support for Digital Payments Tokens: • Facilitate distribution of agreements for First Data, Apple, MasterCard and Visa Token renders date useless to • Token onboarding service for MasterCard and Visa hackers • Training for TSP customer service web portals Transactions go through • Level 1 helpdesk for all token related issues smoothly and securely Foolproof encryption What is tokenzation? Tokenization is at the heart of a foolproof encryption For more information about First Data Integrated process that makes sensitive Token Services and its impact on your business, credit card data and personal contact a First Data Business Consultant or information inaccessible visit www.firstdata.com. to fraudsters.

Apple®, iPhone®6, and Apple Pay™ software are registered trademarks of Apple, Inc © 2014 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. 17100 1214