Naming Convention for EMV Technology and Word Mark Usage Guidelines

Naming Convention for EMV^® Technology and Word Mark Usage Guidelines March 2022 This document is intended for anyone writing or using the term ‘EMV^®’ or referencing EMV technology. Specific use cases are shared that detail how the EMV naming convention and registered word mark are to be used, including in technical documents, presentations, websites, traditional and social media, external business publications, images and videos/ animations. Version 2 Contents 01 Welcome 02 Using the term ‘EMV’ 03 When to use the registration mark® Use Cases: 04 Introduction 05 Documents 06 Presentations 07 Websites 08 External media materials 09 Social media corporate accounts 10 External business publications 11 Images 12 Videos 13 More information and legal notice Welcome EMV^® is a technology toolbox that enables globally interoperable secure payments across face-to-face and remote environments. The word ‘EMV’ is a registered trademark that is exclusively owned by EMVCo, the technical body that facilitates the worldwide interoperability of secure payment transactions by managing and publishing EMV Specifications and their related testing processes. Using the EMV word mark clearly distinguishes products, services and solutions that align to EMV Specifications. EMVCo actively encourages all payment stakeholders to make factually accurate statements and representations concerning EMV Specifications across all communication channels. EMVCo does not request a license for use of ‘EMV’, however, it does require compliance with these Usage Guidelines. EMV^® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC. It is important to note that:  Use of EMV as part of a domain name is prohibited. However, use of EMV within the body of a website is permitted so long as the use is otherwise compliant with these guidelines.  Use of EMV as part of a company name or trade name is prohibited, including use by companies or organisations providing products or services complying with EMV Specifications.  EMV may not be incorporated or combined with any other mark or word (prefixes or suffixes) without prior written agreement from EMVCo and parentheses (brackets) should not be used around the word.  EMV may not be used in way that is misleading or likely to cause confusion as to whether a person, entity, product, service or website is affiliated to EMVCo, or to make fraudulent claims about the compliance of a product or service. 01 Using the term ‘EMV’ EMVCo requests that ‘EMV’ is used consistently when discussing products, services and solutions that align to the EMV Specifications and when referring to an EMV Specification, e.g. EMV 3DS. Examples of when to use the term in different formats is shown below and in the ‘Use Case’ section of this guide. As the EMV technology toolbox comprises a number of different payment technologies from both face-to-face and remote payment environments, it is important to be clear about ‘what’ EMV payment technology is being referred to whenever possible and the context in which the EMV technology is being used. EMV Mobile EMV Contactless EMV Tokenisation For example: EMV Chip Contact EMV Contactless EMV Payment Tokenisation EMV 3-D Secure EMV Secure Remote Commerce1 EMV QR Codes EMV QR Codes EMV Chip Contact EMV Secure Remote Commerce EMV 3-D Secure Learn more about specific guidelines for these icons on the EMVCo Trademark Centre. 1Consumer-facing solutions and programmes based on the EMV^® SRC Specifications can be described as Click to Pay. 02 When to use the registration mark® EMVCo requires the registration mark® be used in the first reference to EMV in any written material. This document provides examples of how to implement this across different communication mediums. EMVCo requires the registration mark® to be accompanied by the following attribution: EMV^® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC. As EMV is used as the ‘umbrella’ term to distinguish and clearly identify the EMV Specification suite and technical outputs from the body to external audiences, all specifications and technical frameworks use EMV as part of their name. Within this context (when the full specification name is used) the registration mark is still required. For example: EMV^® QR Code EMV^® Specification for Payment Systems, Consumer Presented Mode EMV^® Payment Tokenisation Specification – Technical Framework EMV^® 3-D Secure – Protocol and Core Functions Specification 03 Use Cases 05 Documents 06 Presentations 07 Websites 08 External media materials 09 Social media corporate accounts 10 External business publications 11 Images 12 Videos 04 Images are examples of proper use of the EMV^® word mark. Third-party use of the EMVCo Globe Logo is allowed only with express authorisation from EMVCo. Unauthorised use is prohibited. Use Cases: Documents For example: specifications, bulletins, product approval and evaluation processes EMV^® Contactless Specifications for Payment Systems Book A Architecture and General Requirements Version 2.10 March 2021 EMV^® Contactless Specifications for Payment Systems Guidelines: EMVCo requires that ‘EMV’ is used on Book A the first reference to products, services and solutions that align to the EMV Specifications in each chapter or Architecture and Genersael cRteioqnuioref ma ewnrtistten document, unless the header or footer of the document references EMV. Version 2.10 March 2021 The registration mark® is to be used in the first reference to EMV in the title and the first reference to EMV in the main body of the text. The attribution should appear in the footnote on the same page as the registration mark.

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countries. EMV^® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC. 05 Use Cases: Presentations For example: webinars, webcasts, seminars, conferences or content for information sharing EMV^® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC. Guidelines: As presentation documents, such as PowerPoint, are used for a variety of reasons and can be shared extensively either in full or edited versions, EMVCo requires that in each slide / section within the presentation, EMV and the registration mark® is used in the first reference when discussing products, services and solutions that align to the EMV Specifications. The attribution only needs to appear once, and it is recommended that this be on the first slide that references EMV. 06 Use Cases: Websites For example: digital media including intranet sites Guidelines: To reflect the diverse navigation of a website and the unknown entry point of visitors, EMV and the registration mark® is to be used on the first reference to products, services and solutions that align to the EMV Specifications on every webpage. The attribution should appear somewhere on the website but is not necessary on every webpage which mentions EMV. 07 Use Cases: External media materials For example: press releases, articles, blogs EMVCo Reports Over 10 Billion EMV^® Chip Cards in Global Circulation 25 May 2021 – Data published by EMVCo shows that at the end of 2020, 10.8 billion EMV^® chip cards were in global circulation – an increase of nearly 1 billion compared to the previous twelve months. In addition, EMVCo reports that 66% of all issued cards are EMV, with over 86% of all cardpresent transactions conducted globally using EMV chip technology. EMVCo developed the EMV Chip Specifications as a blueprint for chip cards and payment terminals to work together and in the same way, no matter where they were used. This has made seamless and secure chip card payments possible anywhere in the world. "Surpassing 10 billion EMV cards deployed worldwide clearly reflects the benefits that EMV chip offers to merchants, acquirers, card issuers, businesses and consumers through improved transaction security, reduced counterfeit cards and fraud, and a consistent payment experience," explains Junya Tanaka, EMVCo Executive Committee Chair. "We are continuing to see significant and sustained momentum for EMV chip technology across all regions, with Asia-Pacific and the United States in particular showing robust growth across both EMV issuance and adoption." The role card payments play in facilitating global commerce has been brought into sharp focus over the past 18 months, as consumers and businesses of all sizes have increasingly shifted away from cash. Tanaka adds: "EMVCo remains committed to the delivery of safe, convenient and reliable payments in-store and online, and is working closely with payment industry stakeholders and technical groups across the world to advance and evolve the EMV Specifications. Our work aims to not only support emerging technologies such as QR Codes and wireless payments, but also the new ways in which consumers engage and pay for goods and services." For further insight into EMV chip card adoption rates and the percentage of EMV card-present transactions by region, view the EMVCo infographic here. A full breakdown of the data is available on the EMVCo website. For information on EMVCo’s 2021 technical priorities, download the Annual Report. EMV^® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC. – ENDS – For further EMVCo media information please contact David Amos / Chloe Smith – Tel: +44 113 3501922 or email: david@iseepr.co.uk / chloe@iseepr.co.uk Guidelines: For press material, EMVCo requires the use of EMV with every reference to products, services and solutions that align to the EMV Specifications. Notes to Editors: EMV^® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC. The reported data represents the most accurate possible data that could be obtained by American Express, Discover, JCB, Mastercard, UnionPay, and Visa. Note that the data reported is for a twelve-month period. In regions where EMV is newly deployed and/or being actively rolled out, the twelve-month reporting figure may lag or under-represent the current transaction percentage. The registration mark® is to be used in the first reference About EMVCo: EMVCo is the global technical body that facilitates the worldwide interoperability and acceptance of secure payment transactions by managing and evolving the EMV Specifications and related testing processes. EMV is to EMV in the title, and the a technology toolbox that enables globally interoperable secure payments across face-to-face and remote environments. Adoption of EMV Specifications and associated approval and certification processes promotes a unified international payments framework, which supports an advancing range of payment methods, technologies and acceptance environments. The specifications are available royalty free, designed to be flexible, and can be adapted regionally to meet national payment requirements and accommodate local first reference to EMV in the regulations. EMVCo is collectively owned by American Express, Discover, JCB, Mastercard, UnionPay and Visa, and focuses main body of the text. EMVCo on the technical advancement oftheEMV Specifications.To provideall payment stakeholderswith aplatform to engage in its strategic and technical direction, EMVCo operates an Associates Programme and encourages all interested parties to get involved. www.emvco.com │ EMV^® Insights │ LinkedIn │ Twitter │ An Introduction to EMVCo │ YouTube – ENDS – acknowledges and respects For further EMVCo media information please contact David Amos / Chloe Smith – Tel: +44 113 that media may limit how it 3501922 or email: david@iseepr.co.uk / chloe@iseepr.co.uk uses registration marks, and Notes toEditors: EMV^® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The while these will be included in a EMV trademark is owned by EMVCo, LLC. The reported data represents the most accurate possible data th press at could be obt announcement, ained by AmericanExpress, may not be used by the journalist. Discover, JCB, Mastercard, UnionPay, and Visa. Note that the data reported is for a twelve-month period. In regions where EMV is newly deployed and/or being actively rolled out, the twelve-month reporting figure may lag or under-represent the current transaction percentage. For example: EMVCo Reports Over 10 Billion EMV® Chip Cards in Global Circulation 24 May 2021 – Data published by EMVCo shows that at the end of 2020, 10.8 billion EMV^® Chip cards were in global circulation – an increase of nearly 1 billion compared to the previous twelve months. In addition, EMVCo reports that 66% of all issued cards are EMV, with over 86% of all card-present transactions conducted globally using EMV Chip technology. About EMVCo: The attribution should EMVCo is the global technical body that facilitates the worldwide interoperability and acceptance of secure payment transactions by managing and evolving the EMV Specifications and related testing processes. EMV is appear at the end of the document. EMVCo Reports Over 10 billion EMV^® Chip Cards in Global In a press release Circulaaetnitoveicnrhonnomloegnytst.oAodlboopxtitohnatoef nEMabVleSspgelocibfiaclalytiionntesraonpdearasbsolecisaetceudraeppparyomvaelnatnsdaccreorstisfifcaacteio-tnop-fraocceeasnsedsrpermoomtoetes a it is recommended that this would be in the ‘Notes to Editors’, or as a footnote. Data published by EMVCo shows that as of the end of 2010, 10.8 buniilfliieodninEterMnaVtio®ncalhpaipymceantrsdfrasmework, which supportsan advancing range of payment methods, were in global circulation. technologies and acceptance environments. The specifications are available royalty free, designed to be flexible, and can be adapted regionally to meet national payment requirements and accommodate local regulations. EMVCo is collectively owned by American Express, Discover, JCB, Mastercard, UnionPay and Visa, and focuses 08 on the technical advancement of the EMV Specifications. To provide all payment stakeholders with a platform to engage in its strategic and technical direction, EMVCo operates an Associates Programme and encourages all interested parties to get involved. www.emvco.com │ EMV^® Insights │ LinkedIn │ Twitter │ An Introduction to EMVCo │ YouTube Use Cases: Social media corporate accounts For example: LinkedIn, Twitter, Facebook Guidelines: Due to the immediate and dynamic nature of these platforms, EMV and the registration mark® is to be used on every reference to products, services and solutions that align to EMV Specifications and technology across social media. For example, this requirement applies in profiles, as well as Tweets and LinkedIn posts. No attribution would be required, as EMVCo recognises that this is not possible within the character limit or profile set-up on most social media platforms. 09 Use Cases: External business publications For example: white papers, eBooks Why EMVCo? Supporting Innovation, Flexibility and Security EMVCo collaborates with the global payments industry to develop technical specifications that enable card-based payments to work seamlessly and securely worldwide. EMV^® Specifications support innovation and are flexible to accommodate the unique needs of different marketplaces. As a result, EMV Specifications are widely used to create payment products and services that deliver trusted and convenient payments for merchants and consumers in Europe and around the world. EMVCo is structured to develop global specifications that enable card-based payment products to work seamlessly and securely around the world. The world’s card payments systems facilitate trillions of dollars of consumer and business spending each year. EMVCo’s members are the six global card payments networks, which recognise a shared responsibility for the reliability and security of these payment transactions and the technology infrastructure that makes them possible. EMVCo’s organisational structure reflects this responsibility with these companies serving as member-owners, and engaging and collaborating with hundreds of organisations, regulators and technical bodies around the world to develop EMV Specifications. EMVCo recognises that providing insight into specifications and major updates in development is fundamental in empowering those implementing and maintaining EMV technology with a direct say in how payment infrastructure evolves. This is a proven, effective model for creating, evolving, and promoting globally adopted specifications that support innovation and meet marketplace needs. New EMV Specifications and major updates are released for public review to enable all parties to provide comments before final publication. All stakeholders with an active interest in EMV technology can vote on whether a specification is ready for official publication through participation on EMVCo’s Board of Advisors. EMVCo casts a wide net of technology providers and payments organizations that it communicates with when developing specs. It’s a list that includes virtually every key payments company, technology provider, security firm or financial services organization. David Heun, Associate Editor, PaymentsSource I think that EMVCo does what it does very well… EMVCo is owned by the card companies and that makes sense, since it’s their intent to provide security and protection to their card issuers, processors and merchants… I’m not clear on who else should be responsible for managing the security of their offerings, if not the payment networks. Thad Peterson, Senior Analyst, Aite Group Guidelines: EMVCo requires that EMV is used on the first reference to products, services and solutions that align to the EMV Specifications in each chapter or section of a written document. The registration mark® is to be used in the first reference to EMV in the title and the first reference to EMV in the main body of the text. The attribution should appear in the footnote on the same page as the registration mark. 10 Use Cases: Images EMV^® EMV^® EEMMVV®® EMV^® The EMV^® Mobile Specifications The EMV^® 3-D Secure Specifications The EMV^® Contact Specifications The EMV^® Contactless Specifications EMV^® EMV^® The EMV^® QR Code Specifications The EMV^® SRC Specifications The EMV^® Payment Tokenisation Technical Framework Guidelines: If the term EMV is used as part of an image, it should be accompanied by the registration mark®. No attribution would be expected as EMVCo is aware that this would not be feasible given limited space. 11 Use Cases: Videos For example: animations, interviews Guidelines: It is required that EMV and the registration mark® is used on every reference to products, services and solutions that align to the EMV Specifications throughout a video or animation. For example, this could be the title and synopsis of the video, any narrative / text that appears written on screen, or visuals within the video. No attribution would be required, as EMVCo appreciates this would be difficult within this format. 12 Got a question? Visit the Trademark Centre on the EMVCo website for more details on other marks owned® by EMVCo, including the Contactless Indicator and Contactless Symbol, EMV QR Code, Click to Pay, and EMVCo logo. If you have any questions or queries regarding your usage of the EMV^® word mark, please submit a query through the contact us function. If you are a journalist or analyst and require further details, please contact the EMVCo press team at media@emvco.com.

Legal Notice

Uses that may be potential infringements should be reported to EMVCo and the appropriate legal action will be taken. Please contact the legal team at emvcolegal@emvco.com. 13