May 2016 Petroleum Solutions, Inc.

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3 Table of Contents What & Why EMV?... 4 Who s Liable?... 5 POS Upgrade Paths...6 Dispenser Upgrade Paths... 8 Proper Site Connectivity Implementation Plan Available Incentives & Financing...12 May 2016 Petroleum Solutions, Inc. The information contained within this guide is for informational purposes only. The principles discussed herein were accurate at the time these documents were drafted, but are subject to change. Please contact your local PSI Sales Representative for more information.

4 What & Why EMV Improved payment security through the use of contact and contactless chip technology using dynamic data authentication (DDA) Prepare for near Field Communication (nfc) based mobile payments Reduce chargebacks As of 2011, the payment card industry announced the EMV migration to the U.S. Over the next couple of years all businesses will be required to upgrade to EMV technology. The longer you wait, the more susceptible you are to thieves. Don t let yourself become a target! Do you Speak EMV? Here s a quick guide to some of the terms used. E-M-V Stands for Europay, MasterCard, and Visa. EMV is a set of global standards for smart card payments and acceptance terminals. Tap & Pay or Wave When using a contactless card, there is no dipping. The card is tapped or waved against the POS terminal. One quick tap establishes connection and verifies authorization. Fraud liability shift Visa, MasterCard, American Express, and Discover have announced that on October 1, 2015, counterfeit fraud liability, which has traditionally been assumed by the card issuer, will be absorbed by the party that does not enable EMV during the fraudulent transaction. Dip/Dipping Instead of swiping a card, customers insert an EMV card into the POS terminal, much like an ATM. Inserting the card and removing it is called dipping. * * * * Chip & Pin EMV payment cards are commonly referred to as chip & pin cards because the chip card is often coupled with a PIn code for advanced security. Dynamic Data or Dynamic code EMV cards generate a dynamic code which means the security code changes for each transaction. That way, if a card is copied or compromised, the data cannot be used to make multiple transactions. In contrast, the data transmitted by magnetic stripe cards never changes and, once compromised, can be used over and over for countless fraudulent transactions. 4

5 FRAUD LIABILITY SHIFT The party that is the cause of a chip-on-chip transaction not occurring (i.e. the issuer or the merchant) could be financially liable for any resulting card-present counterfeit fraud losses. October 1 st 2015 Liability shift for any in-store POS fraudulent transaction on non-emv compatible terminals. October 1 st 2017 Forecourt liability shift for fraudulent transactions on non- EMV compatible terminals. RULE 1 A traditional magnetic stripe card is swiped by the customer at a magnetic stripe terminal. RULE 2 A chip card is used at a magnetic stripe only terminal. RULE 3 A chip card is used at a chip-enabled terminal that has been activated by the merchant. If the purchase is a counterfeit transaction the merchant is generally not liable, just like today. If the purchase is a counterfeit transaction the merchant generally holds liability, because the issuer has made the investment in chip technology to make transactions more secure while the merchant did not invest in upgrading to chip technology. If the purchase is a counterfeit transaction the merchant is not liable, and the issuer will continue to bear the responsibility of counterfeit fraudulent activity. 5

6 POS UPGRADE PATHS For EMV Compatible POS Systems Gilbarco Passport POS Systems Upgrade Software & Pin Pad (Ingenico isc250/ipp320 Pin Pad) *Passports v.8.00 & prior requires enhanced Dispenser Hvb (EDH) *Requires PX52 Motherboard *MX915 PinPad required - Shell branded Sites Verifone Topaz w/commander POS Upgrade Software & Pin Pad (MX860 & newer pin pads) Verifone Ruby2 w/commander POS Upgrade Software & Pin Pad (MX860 & newer pin pads) 6

7 For Non-EMV Compatible POS Systems non-emv Compatible POS Systems will need to be replaced. Ask your local PSI Office if you re unsure about the compatibility of your system. Verifone Sapphire Wayne nucleus Other non-emv We recommend replacing your system with the following... Upgrade to the Passport PX60 Upgrade to the Ruby2 w/commander Upgrade to the RubyCi nfc Compatible isc250 PIn Pad Ultra-Fast Processor is 13x More Powerful All-in-One Design Frees Up Space Version 10 Designed and Ready for EMV Same software and features as Topaz Enhanced UI, Processor, Memory and Display Verifone Integrated Promotions Encore 700S Loyalty Support All of the Commander and Ruby2 features Optimized to support up to 16 fueling positions and 3 POS workstations Great value and easy installation for low volume sites 7

8 DISPENSER UPGRADE PATHS Gilbarco Dispensers new Encore 700S Dispensers Existing Encore 700S Dispensers Gilbarco Advantage, 300, 500 & Encore S Dispensers new Gilbarco 700S Dispensers purchased with the upgraded EMV Hybrid Card Reader (HCR), will only need to upgrade CRIND Software before October 1 st All existing Gilbarco 700S Dispensers need to upgrade CRIND Software & Card Reader before October 1st Existing older model Gilbarco Dispensers will need to be upgraded with a FlexPay II Retrofit Kit & upgrade CRIND Software or will need to be replaced, depending on age. 8

9 Existing Wayne or Tokheim Dispensers Wayne Ovation Wayne Vista Tokheim Premier b/c Hardware Upgrade: Upgrade CRInD with Secure PumpPAY Retrofit Kit (SPP), Software Upgrade: Upgrade CRInD Software 9

10 PROPER SITE CONNECTIVITY Compared to magnetic stripe transactions, EMV transactions require 10x more data transfer and much higher back-and-forth messaging between CRInD and POS. Therefore, enhanced site wiring is required to support EMV connectivity. Recommended Wiring to Support Media/EMV Connectivity EXISTING SITE WIRING NEW SITE WIRING Large sites > 280 ft from farthest dispenser to back room. Unshielded Twisted Pair OR Use Existing 2-wire** (non-twisted - OnLY if already pulled) OR n/a Unshielded Twisted Pair n/a OR Small/Average Sites < 280 ft from farthest dispenser to back room Unshielded Twisted Pair Use Existing 2-wire** (non-twisted - OnLY if already pulled) CAT5e/6*** Unshielded Twisted Pair CAT5e/6*** OR OR OR Hardware Requirements: brcm* (backroom Command Module) DCM* (Dispenser Command Module) 1. brcm (backroom Command Module) 2. DCM (Dispenser Command Module) 3. TbM2 (If shared twisted pair) ROUTER 1. brcm (backroom Command Module) 2. DCM (Dispenser Command Module) 3. TbM2 (If shared twisted pair) ROUTER * The brcm and DCM are needed to covert twisted pair/2-wire to Ethernet Protocol **If using 2-wire (non-twisted pair), a test should be done to determine successful connectivity. To do so, temporarily connect the dispenser with the longest run and verify connectivity via the brcm s webserver. If this fails, you will need to pull new twisted pair wiring. *** If using CAT5e/6 wiring, a switch is needed with ports equal to or greater than the number of dispensers on site. WHY TWISTED PAIR? (vs. standard 2-wire for media/emv communications) Less noise interference Protects circuitry against lightning better long distance transmission 10

11 EMV IMPLEMENTATION PLAn Schedule a Site Survey Conduct an Age Assessment Check with your Fuel Brand/Network Contact Distributor Partners Choose a Service Provider Start today It s a Long Road 1. Consider an EMV site survey to check your site connectivity and obtain all necessary equipment information. 2. Conduct an age assessment on your equipment to determine what can be retrofitted and what needs to be replaced. 3. Check with your fuel brand or network to see if they offer incentives for equipment upgrades and if they have established a time frame for rolling out EMV-ready software. 4. Work closely with your Distribution Partners to create a shopping list to avoid manufacturing constraints and potentially extended lead times. 5. Plan a schedule with your Service Providers to avoid technician shortages. TIP: Evaluate current forecourt and POS equipment capabilities and the availability of equipment and service providers. The key thing is to conduct an age assessment of dispenser payment terminals are they 5 years old, 10 years old, 20 years old? This may help determine which upgrades will have to take place. 11

12 AVAILAbLE INCENTIVES & FINANCING OPTION #1: branded Dispenser & POS bundles This program offers site savings of up to $7,000 or more than $280 per month with financing rates as low as 2.9% for combined Encore 700S and Passport orders. Orders must be submitted by May 31st OPTION #2: branded Passport Trade-In Promos This program offers discounted pricing for trading in an existing POS system. Orders must be submitted by May 31st (Shell, ExxonMobil, Phillips66, Conoco, Sunoco) OPTION #3: Passport PX60 Trade-Up Program This program offers customers with existing Passport PX51 and/or PX52 systems to trade-in their current POS equipment for the new PX60 All-in- One platform at a discounted price. (Shell, CITGO, ExxonMobil, Marathon, Phillips66, Conoco, Gulf) *There are specific requirements to qualify for Program Incentives. Ask your local PSI Sales Representative if you qualify. OPTION #4: Available Equipment Financing through Patriot Capitol 100% of all Soft Costs can be included in Equipment Financing (Installation, Freight, Sales Tax and Maintenance) Up front, initial Out-Of-Pocket expense is only two monthly payments in advance Keep your Cash, aka Conserve your Capital Keep your Primary Lines of Credit free to invest in growth Equipment Financing interest rates are fixed, not variable The equipment acts as collateral, with no additional liens or covenants attached to the loan TIP: Take action now! Significant manufacturer incentives & financing available NOW to help offset costs of upgrades! Many manufacturer programs expire at the end of the year. 12

13 Questions? Contact your Local PSI Office Abilene: 1632-b Vision Dr. Abilene, TX Austin: 1804 Smith Road Austin, TX Beaumont: 2484 W. Cardinal Dr. Ste #1 beaumont, TX Corpus Christi: 125 Airport Corpus Christi, TX DFW Grand Prairie: 1362 W. Carrier Parkway Grand Prairie, TX Houston: 2700 Aldine bender Houston, TX RGV McAllen: 3702 S. Expressway 281 Edinburg, TX San Antonio: bulverde Rd. San Antonio, TX Temple: 2305 E. Adams Temple, TX Tyler: Hwy 155 S Tyler, TX Victoria: 2706 Delmar Drive Victoria, TX