Steve Elefant Email and Phone Number

• Serve as a technology expert, consultant, board member and business advisor globally.

Secure, fully integrated international payments platform acting as a processor, acquirer, and backend service partner. Provided payment processing services for merchants, retailers, and banks in the United States, Canada, Europe, Latin America and the Caribbean.• Brought into the company by investors to package and sell the company• Engaged an outside investment bank and developed and executed a plan for a viable sale• Worked through the signoff process and monitored the progress of the sale in collaboration with technology teams and executive leadership• Completed successful $50M sale of EPX’s assets to North American Bankcard in December 2014

A leader in modernizing Point of Sale by providing an all-in-one cloud based solution encompassing premier Point of Sale, mobile storefront, automated loyalty and rewards programs along with credit card processing.• Responsible for operations, company strategy, business development, sales, marketing, and customer service with eight direct reports and a budget of approximately $5M.• Pivoted the company from an existing direct sales force to a channel sales model with 75 resellers.• Planned and attended numerous trade shows including the Electronic Transaction Association (ETA), National Restaurant Association Show, Money 2020, Merchant Warehouse Innovation Showcase and Retail Solution Providers Association Retail Now.• Executed product rollout out to 500 merchants and 50 Independent Sales Organizations.• Successfully sold GoPago to Amazon.com for exit.

• Worked as a full time consultant to Google GeoCommerce and Payments Group to develop and implement a sales distribution channel strategy for a new stealth payments product. • Responsible for selecting product hardware, including a payment terminal, Android tablets, cash drawers and printers.• Developed and managed RFI and the selection of fulfillment, logistics and partnerships including TASQ, First Data, IDTech and Chase.• Coached and mentored team of approximately 75 to startup the new business unit.• Successfully launched over 50 full beta merchants in the San Francisco Bay Area.

The sixth largest payments processor in the United States, a FORTUNE 1000 company processing more than 11 million transactions a day and over $80 billion a year. A leader in the development of end-to-end encryption technology designed to protect cardholder data, rendering it useless to cybercriminals.• Joined the company to help fix the largest breach in financial history. As a Non-traditional CIO, I was responsible for hardware and software products, application software development, business development, M&A, strategy, encryption and compliance.• Developed E3(End to End Encryption), tokenization and NFC systems which have received numerous industry awards including Bank Technology News #1 product innovation that will change payments. • Success of the E3 project was a major factor in bringing stock back from a low of $3/share to $23/share• Developed strategy and executed the launch of MoBuyle, a mobile payments product for Android and Apple iOS platforms.• Led the M&A transaction to acquire FreshTxt and re-launched it as an improved HPY product for restaurant guest wait management and marketing.• Established successful offshore hardware manufacturing program with over 20k units sold and onshore/offshore software development programs. Traveled to Taiwan and China to monitor production and identify new suppliers.• Responsible for a team of over 100 and budget of over $10M• Played an instrumental role in forming the Payment Processors Information Sharing council (PPISC) in conjunction with the Financial Services Industry Strategic Analysis Center (FS-ISAC). • Completed more than 20 speaking engagements around the world.• ComputerWorld / IDG 2011 Premiere 100 leader award winner.

A venture capital firm investing in early stage technology companies with a special emphasis on: Electronic Commerce, Payments, Financial & Internet | Software applications for mobile business functions | IT Security and Homeland Defense | IT applied to healthcare targeting better outcomes at lower costs | Cleantech, alternative energy and energy efficiency. • Research, source, identify and qualify new investments while working closely with numerous portfolio companies to assist in growth and forge new business relationships.

This first of its kind company provides quick and easy access to pilots and airplane owners where to find the absolute best prices for Jet-A aircraft fuel. The company is bringing internet technology and efficiency to bear on a market that has seen prices rise over 120% in a very short period of time.

A $300 Million dollar venture capital fund that invests in early stage technology companies. • Researched, identified and qualified new investment opportunities based on market, competitor analysis and investment criteria.• Nurtured growth through strategic business development, recruiting and next-round financing. • Completed CCV’s first investment in the payment space with Billeo in a $4M Series A round.• Sourced and closed the first investment in Property Bridge at a 700% return.

A digital content management, delivery, and payments company that enabled businesses to create new revenue streams.• Joined the two-year-old company to affect a complete turnaround. Implemented a new business model and recruited the sales, marketing and engineering teams. • Created the Yaga product and took sales from zero to a $6M run rate. • Generated a $488M pipeline of marquis customers including: Time Magazine, CNN, NASCAR, Knight Ridder, Gannett, Conde Nast, Ziff Davis, Reed Elsevier, United Media, and Uclick . • Developed a reseller channel through strategic partnerships with companies including Paymentech, Authorize.Net and Wells Fargo.

PriceRadar developed a proprietary textual mining system using genetic algorithms to analyze buying patterns on sites including eBay, Yahoo, Amazon, and Fairmarket. This was used to automate and optimize auction listings for retail merchandise on dynamically priced exchanges and execute marketing campaigns for direct marketers. This technology was acquired by eBay in 2001.• As Co-Founder of the company I was responsible for sales, business development, professional and auction services, legal affairs along with the business model and strategic planning.• Secured top-tier retailers and direct marketers including The Sharper Image, West Marine, Readers Digest, Good Catalog, Gifts.com, Celebration Fantastic, and iGo. Negotiated major strategic partnerships and contracts with eBay, Ask Jeeves, Andale, Twentieth Century Fox and Gary Burghoff (Radar O’Reiley).

The first PC software based product to deliver credit and debit card, check guarantee and corporate purchase card functionality for retail Point of Sale, mail order, telephone order, direct marketers and Internet e-commerce sites. • Developed the business plan and raised two rounds of venture capital from MDV, USVP and Robertson Stephens Venture Fund (Crosslink Ventures). • Hired the entire senior management team as co-founder of the company. Grew ICVerify to 125 people, including the German GmBh subsidiary.• Established strategic business relationships with numerous major companies including American Express, Intel, Visa International, Microsoft, IBM, JDA, First Data Corp, Wells Fargo Bank, major retailers and others.• Completed $75mm merger with Cybercash and became Vice-Chairman.

An innovator in Integrated Payment Solutions that has evolved into a top 25 U.S. Bankcard processor utilized by over 55,000 businesses.• Founded PayPros, an independent bankcard processing selling organization (ISO), as a Payment Processing International subsidiary.• Started PayPros from scratch at ICVerify and signed up approximately 2,000 before spinning out company.