2020 U.S. Payments Forum Member Recognition

ATM Working Committee Petroleum Working Committee 2020 Co-Chairs 2020 Co-Chairs • Marcelo Castro, Diebold Nixdorf, Inc. • Kara Gunderson, CITGO Petroleum • Ron Schnittman, Corporation Card-Not-Present Fraud Working Committee • Terry Mahoney, W. Capra Consulting Group 2020 Co-Chairs Top Contributors • Lesley Pollard, UBS Global Wealth • Berke Baydu, Mastercard Management • Clint Cady, W. Capra Consulting Group • Alan Whittemore, • Todd Horinek, Phillips 66 Top Contributors • Brian Russell, • David True, PayGility Advisors • Itai Sela, B2 Payment Solutions • Jeff Zuehlke, Best Buy Testing & Certification Working Committee Communications & Education Working Committee 2020 Co-Chairs 2020 Co-Chairs • Berke Baydu, Mastercard • Lori Breitzke, FIS • Edward Perez, Verifone • Mansour Karimzadeh, SCIL Top Contributors • David True, PayGility Advisors • Dave Blust, Services Top Contributors • Steve Cole, FIS • Beatrix Gonzalez, PAX Technology • Eric Hanna, Verifone • Nick Pisarev, Giesecke+Devrient • Nate Klessens, FIS • Alex Pierre, Routing Working Committee • Brian Russell, Verifone 2020 Co-Chairs • Clyde Van Blarcum, American Express • Trent Addington, • Henk van Dam, UL • Steve Cole, FIS • Manish Nathwani, SHAZAM Transit Contactless Open Payments Working • Emily Santos, Truist Committee Top Contributors 2020 Chairs • Scott Green, SHAZAM • Arash Kahvazadeh, Mastercard • Kevin Halliburton, Global Payments Top Contributors • Bryan Manka, PULSE Network • Richard Combs, Discover • Stephen Lau, TransLink Mobile & Touchless Payments Working Committee • Josh Martiesian, Visa 2020 Co-Chairs • Bob McEntee, Cubic • Deborah Baxley, PayGility Advisors • Kevin Tran, American Express • Bradford Loewy, NCR Corp. • Tonya Weiss, Global Payments Merchant and Issuer Special Interest Groups Top Contributors 2020 Leaders • Steve Bledsoe • Kristy Cook, Target • Marianne Crowe, Federal Reserve Bank of • Keri Crane, Jack Henry & Associates Boston • Carey Ferro, American Express • Mansour Karimzadeh, SCIL • Scott Haney, Woodforest National Bank • Mina Malak, Giesecke+Devrient • Joe Vasterling, Best Buy • Rodman Reef, Reef Karson Consulting

U.S. Payments Forum Steering Committee 2020 Officers • Kristy Cook, Target • Scott Haney, Woodforest National Bank • Manish Nathwani, SHAZAM • Joe Vasterling, Best Buy Top Contributors • Andreas Aabye, Visa • Berke Baydu, Mastercard • Chris Brummer, Visa • Clint Cady, W. Capra Consulting Group • Steve Cole, FIS • Simon Hurry, Visa • Terry Mahoney, W. Capra Consulting Group • Diana Molitor, FIS/NYCE • Ed Perez, Verifone • Tom Pouliot, UnionPay • Itai Sela, B2 Payment Solutions U.S. Payments Forum Member Meetings Top Contributors • Berke Baydu, Mastercard • Ruston Miles, Bluefin • Manish Nathwani, SHAZAM • Lesley Pollard, UBS Global Wealth Management • Itai Sela, B2 Payment Solutions 2020 U.S. Payments Forum Chairs, Top Contributors & Honor Roll Andreas Aabye, Visa Mansour Karimzadeh, SCIL Marc Regan, ICC Solutions Trent Addington, Walmart Kara Kazazean, Walmart Chris Roberts, Deborah Baxley, PayGility Advisors Paul Kern, NCR Christine Ring, Visa Berke Baydu, Mastercard Jan King, Fiserv Derek Ross, ICC Solutions Steve Bledsoe Nate Klessens, FIS Brian Russell, Verifone Dave Blust, Discover Financial Services Cindy Kohler, Visa Joe Santana, FIME Maggie Bodak, CardinalCommerce Dineshbabu Kolavennu, UL Emily Santos, Truist Bill Bondar, PNC Bank Keith Koval, UBS Bank Julie Scharf, Visa Lori Breitzke, FIS Vineet Kumar, Wells Fargo Ron Schnittman, Bank of America Chris Brummer, Visa Stephen Lau, TransLink Jennifer Schroeder, Discover/PULSE Clint Cady, W. Capra Consulting Group Matt LeBeau, Benefit Resource Itai Sela, B2 Payment Solutions Richard Capurro, Gilbarco Jesse Lee, Wells Fargo Puneet Shah, Roberto Cardenas, Global Payments David Leppek, Statement IQ Simon Siew, Wayne Fueling Systems Christina Carroll, American Express Bradford Loewy, NCR Todd Smith, Global Payments Marcelo Castro, Diebold Nixdorf, Inc. Robert Lorenzini, McDonald's Mark Stanulonis, FIS Andy Chau, PAX Technology Terry Mahoney, W, Capra Consulting Vince Steffano, ID TECH Steve Cole, FIS Group Annette Street, American Express Richard Combs, Discover Financial Mina Malak, Giesecke+Devrient Dmitri Tarusov, Cubic Services Oliver Manahan, Infineon Keith Temple, Cubic Kristy Cook, Target Technologies Laura Townsend, Merchant Advisory Keri Crane, Jack Henry & Associates Bryan Manka, PULSE Network Group Brandon Cranford, Woodforest Brad Mares, Target Kevin Tran, American Express National Bank Josh Martiesian, Visa David True, PayGility Advisors Gina Creek, Visa Steve Mathison, Fiserv Paula Turner, ICC Solutions Marianne Crowe, Federal Reserve Bob McEntee, Cubic Clyde Van Blarcum, American Express Bank of Boston Max Michieli, CPI Card Group Henk van Dam, UL George Danforth, PULSE Ruston Miles, Bluefin Joe Vasterling, Best Buy Francine Dubois, IDEMIA Jeff Minard, Global Commerce Diana Walter, CPI Card Group Carey Ferro, American Express Diana Molitor, FIS/NYCE Patty Walters, PAX Technology Eduardo Franco, Argotechno Nancy Morgan, Kroger Kate Weiler, Discover Financial Beatrix Gonzalez, PAX Technology Ann Morsch, AFFN Services Scott Green, SHAZAM Sheldon Muir, Gilbarco Jason Weinstein, Metropolitan Kara Gunderson, CITGO Petroleum Manish Nathwani, SHAZAM Transportation Commission Corporation Cicely Nelson, Global Payments Tonya Weiss, TSYS Kevin Halliburton, Global Payments Danny Omiliak, W. Capra Consulting Alan Whittemore, American Express Scott Haney, Woodforest National Group Lance Wiethorn, Woodforest National Bank Andy Patania, Elavon Bank Eric Hanna, Verifone Ed Perez, Verifone Burt Wilhelm, Discover Financial Tony Harder, PAX Technology Alex Pierre, Visa Services Art Harper, PSCU Nick Pisarev, Giesecke+Devrient Daniel Willis, Discover Financial Tracey Harrington, Discover Financial Leslie Pollard, UBS Global Wealth Services Services Management Jeff Wixted, Accertify Heather Hatch, PAX Technology Ben Potter, UL Bob Woodbury, FIS/NYCE Todd Horinek, Phillips 66 Tom Pouliot, Unionpay Lawrence Woods, Chevron Linda Horwath, JCB International Maryam Poursardar, Poynt Ginger Wu, ID TECH Simon Hurry, Visa Breann Pridgen, Discover/PULSE Jeff Zuehlke, Best Buy Malcolm Jackson, Pilar Ramos, Mastercard Lynda Johnson, Wakefern Tom Rapkoch, Visa Arash Kahvazadeh, Mastercard Rod Reef, Reef Karson Consulting 2020 U.S. Payments Forum Member Recognition: Projects Included The 2020 U.S. Payments Forum Honor Roll was compiled based on steering committee and working committee leadership, project leadership, project participation and meeting participation from January 2020 through December 2020.

COVID and Payments • Consumer Interactions at the POS (April 2020) • Tips for Cleaner Payments resource (April 2020)

Contactless and Mobile Payments • Best Practices – Customer Messaging for Transit Open Payments resource (October 2020) • Contactless Limits and EMV Transaction Processing white paper (October 2020) • Contactless Operating Mode Requirements white paper (February 2020) • Device Authentication and Cardholder Consumer Verification Techniques for Mobile In-App and Remote Payments white paper (in process) • Establishing Transit Certificates for Open Loop Transit Fare Gates webinar (October 2020) • Issuing Dual-Interface Cards webinar (October 2020) • Transit Contactless Open Payments Use Case 3: Aggregation (in process)

Card-Not-Present Transactions • Card-Not-Present (CNP) Fraud Mitigation Techniques (July 2020) • EMV 3-D Secure Primer (March 2020) • Tokenization for card-on-file transactions and routing white paper (in process)

Fraud • Fraud profiles mini-series (in process)

EMV Migration • Intake Form Terminology for EMV Level 3 POS Certification (January 2021) • Options for Reducing Level 3 EMV Certification Time for Retailer Systems using Electronic Payment Servers (May 2020) • U.S. Automated Fuel Dispenser Chip Fallback Transaction Processing Best Practices (June 2020)