10:30 AM - 1:00 PM

Workshop 1: Mobile Financial Services 101

Financial Institutions without a mobile strategy by the end of 2008 will find themselves behind the curve, facing the threat of becoming laggards. Since consumers choose their institutions based on convenience more than any other factor, without a solid mobile channel strategy, financial institutions risk being removed from the considered set. The workshop will answer:

• What are the greatest challenges every Financial Institution faces?
• What are the primary communication methods used in the marketplace today?
• Which methods will win out, and why?
• What are the criteria for choosing a mobile banking partner?
• And, what is the checklist of needs my mobile banking solution should address?

Lisa Stanton

CEO

Monitise Americas

10:30 AM - 1:00 PM

Workshop 2: Debit Fraud Prevention

Fraud is no joke and it is happening everywhere. Learn how to protect your institution and your customers from today's new fraud schemes and how to prevent ones in the future.

Speaker to be announced

1:15 PM - 3:45 PM

Workshop 3: Prepaid Updates

Prepaid continues to be one of the fastest growing areas of electronic payments, something that should potentially improve your FI's revenue growth in the double digits. In this workshop, you'll learn about the current climate, who's who on the prepaid value chain, and discover new marketing ideas to new demographics.

Paul Tomosfsky

President

Network Branded Prepaid Card Association

1:15 PM - 3:45 PM

Workshop 4: Strengthening Your Rewards Program

Rewards are one of the hottest topics in Debit these days, but since everyone offers a program, how do you have your rise to the top of everyone's wallet? This workshop will outline the strength of rewards, investigate the growth of credit card vs. debit rewards, as well as strategic marketing techniques.

Speaker to be announced

1:30 PM - 2:15 PM

ATM Track

Battle of the Surcharge Free Networks

Banks and credit unions face a conundrum. On the one hand, their customers want - and demand - an extensive network of convenient, free ATMs, especially in the face of ever-increasing surcharge fees. On the other, the economics of maintaining a proprietary ATM network often make additional investment hard to justify. Surcharge-free ATM networks help solve this problem, providing national ATM access at a low cost. In this session, the three leading surcharge-free networks will discuss their network's proposition, their similarities and differences, and how this approach could be right for your financial institution

Moderator:

Tony Hayes

Partner

Oliver Wyman

Panelists:

Jim Hanisch

EVP

CO-OP Network

Douglas Miraglia

President

MoneyPass

Ben Psillas

President

Allpoint Network

1:30 PM - 2:15 PM

Debit Track

Maximizing Loyalty Strategies: A Case Study with Hawaiian Airlines and Bank of Hawaii

By offering a breadth of options for earning rewards combined with a set of meaningful redemption options, learn how a loyalty program utilizing a branded credit and debit card, and a merchant-funded rewards network can generate significant customer growth and profitability for all parties. The Hawaiian Airlines rewards program run in conjunction with Vesdia Corporation, Bank of America and Bank of Hawaii provides multiple ways for members to earn miles, provides reward funding from third party sources, and drives reward redemption:

• Multiple ways for customer to earn rewards - flights, all spend on the card, local merchants, online mall, national retailers, etc.
• Effective marketing - multi-channel, segmented, ongoing
• Meaningful redemption options - flights, hotel accommodations, car rentals, merchandise and gift certificates, charitable donations, etc.

Lars Holmquist

CMO

Vesdia Corporation

Rick Peterson

VP, Marketing and Sales

Hawaiian Airlines

1:30 PM - 2:15 PM

Prepaid Track

Beyond Prepaid: Providing Affordable Financial Services to Millions of Consumers

Since selling the first association-branded prepaid card in retail in 2001, Green Dot Corporation has focused on developing innovative products and services to help consumers manage their money much better for much less. In this session, Green Dot will provide insight on the opportunity to deliver financial services through the retail merchant channel.

Chris Britt

Chief Product Officer

Green Dot

1:30 PM - 2:15 PM

Emerging Payments Track

Mobile Payments

Demand for mobile payments is increasing as technology and service become more readily available. Obopay has developed a framework that enables and augments existing financial institution services, rather than competing with or replacing them - an important distinction as the mobile money landscape matures. By partnering with other banks, Obopay has been able to deliver greater payment options and convenience to consumers. We will talk about observations and results from in-market services offered with our bank partners. Join us as we discuss delivering mobile payments services through a bank-friendly model that enables financial institutions to reach existing and new customers in ways they haven't been able to in the past.

Michael E. Diamond

VP, Business Development

Obopay, Inc.

Dion F. Lisle

Senior Vice President

Citibank Growth Ventures and Innovation

2:20 PM - 3:05 PM

ATM Track

ATM Service Excellence: Beyond Availability

This panel discussion will focus on improving service - from the vendors and customers - at the ATM.

Moderator:

Shelly Chandler

VP, ATM Service Excellence Director

Wachovia

Panelists:

Rob Beveridge

Service Manager

PNC

Jobe Conrad

Vice President

Chase

Marty Snodgrass

Vice President

National City

2:20 PM - 3:05 PM

Debit Track

New Products for Debit Panel

What is the future of the debit card business? As the economy softens, how can financial institutions maintain transaction growth and what is the right linkage to the underlying DDA? This panel of best-in-class debit card issuers will discuss their strategies and insights on ways to build a high performing card portfolio, together with their future outlook. Topics to be debated include positioning debit cards with customers and employees, the value of rewards programs, ways to effectively combat fraud, and the future of the card (contactless, mobile, etc.).

Moderator:

Tony Hayes

Partner

Oliver Wyman

Panelists:

Kerry Brashears

Group VP, Card & Loyalty Products

SunTrust Bank

Jesse Lee

Wells-Fargo

Debit Card Marketing

Chris Van Steenberg

Citizen's Bank

Vice President

David Willis

VP, Debit Card and Funds Services Division

Navy Federal Credit Union

2:20 PM - 3:05 PM

Prepaid track

Prepaid Through the Eyes of an FI

This session will explore the dos and don'ts of a successful prepaid program and what are the plans to improve in the future.

Speaker to be announced

2:20 PM - 3:05 PM

Emerging Payments Track

How EFT Networks Can Participate in the E-Commerce Race

This session will outline how EFT networks can participate in the e-Commerce race and why banks would want them to. Topics to be discussed include an overview of the state of e-commerce in the US; consumer trends and concerns regarding safety of financial information, as well as potential ways in which EFT networks can participate in e-commerce transaction.

Rene Pelegero

PayPal

3:30 PM - 4:15 PM

ATM Track

The Future of ATMs: Panel Discussion with Manufacturers

Learn about the product development roadmap for the next generation of ATMs and the manufacturers' vision for self-service banking technology. Each company will give a short presentation on their company's state-of-the-art features, such as deposit automation, open standards software, anti-skimming technology, and linkage to CRM systems. The session will conclude with audience Q&A on how these new technologies can be applied in different banking environments.

Ken Justice

VP, Marketing & Portfolio Management

Diebold, Inc.

Brian Pilla

Director of Marketing, Financial Solutions Division

NCR

Alan Walsh

Vice President

Wincor-Nixdorf

3:30 PM - 4:15 PM

Debit Track

No More Spaghetti On The Wall: The Benefits of Behavioral Segmentation

When you start to understand the interdependence between debit optimization, checking engagement and the larger banking relationship; you start to get the most profitable outcomes. This panel will cover the following: the limitations of a debit only view; key factors to understand from the checking account; insights derived from a robust segmentation; cost benefit analysis, including checking based revenue and relationship value and best practices in behavioral segmentation. The takeaway for attendees is that banks of any size can increase their marketing efficiencies by taking advantage of the insights and opportunities presented by the varied options available in segmentation.

Ben Colvin

Vice President

MasterCard Advisors

Patricia Preston

SVP, Debit Product Management & Development

MasterCard Worldwide

3:30 PM - 4:15 PM

Prepaid Track

How Large is the Prepaid Market Really?

While all agree that the prepaid market is growing quickly, there is considerable debate on the actual market size. Some analysts have particularly bullish outlooks, while the recent Federal Reserve study was much more conservative, pegging the open-loop prepaid market at just 1% the size of the debit market in terms of transaction volume. In this session, three leading analysts will discuss their market size estimates for the prepaid market, the basis for their opinions, and where they see the major opportunities for card issuers.

Moderator:

Ben Jackson

Prepaid Trends

Panelists:

Ed Bachelder

Director

Hitachi Consulting

Tim Sloane

Group Director, Prepaid & Debit Advisory Services

Mercator

Gwenn Bezard

Research Director

AITE Group

3:30 PM - 4:15 PM

Emerging Payments Track

Targeting the Underbanked Consumers - Why and How

Despite the turmoil of the current credit crunch, underbanked consumers represent a potent opportunity for financial services providers. As they generally have thin or no credit files, they are NOT the same as subprime customers. They do, however, continue to need financial services products, and there is a growing body of assessment tools and low-cost products - particularly card products - that can enable both customers and companies to thrive, even during this difficult period. This session will discuss how you can successfully identify and serve underbanked consumers today, and build long-term business strategies for the future.

Arjan Schutte

Associate Director

Center for Financial Services Innovation

4:20 PM - 5:05 PM

ATM Track

The Long-Term Future of Cash

What is the future of cash? This session will explore some current facts about cash is a quick "Global Tour," the drivers of cash demand, growth inhibitors, some rules of future studies and forecasting, and the long-term predictions for the future of cash.

Mike Lee

CEO

ATMIA

4:20 PM - 5:05 PM

Debit Track

Debit Benchmarking: 2008 Debit Issuer Study

How does the performance of your debit card program compare with others? What would it take to become a best-in-class issuer? Oliver Wyman recently completed the definitive study of the debit card market based on primary research with 62 financial institutions representing over 74MM debit cards. This session will share key performance metrics related to cards, transactions, fees, interchange, rewards, fraud and more, noting the performance of peer issuers. It will also discuss issuers' outlook on the future, where the major opportunities and challenges reside, and effective ways to stay ahead of the curve.

Inderpreet Batra

Consultant

Oliver Wyman

Judith McGuire

Senior Vice President

PULSE

4:20 PM - 5:05 PM

Prepaid Track

The Future of Prepaid: Panel Discussion MC, Visa, Amex and Discover

The leading prepaid networks will discuss the state of the prepaid market and how the industry is likely to evolve. Topics to be covered include restricted authorization networks, partial authorizations, and bank-retailer and bank-employer partnerships. There will also be a spirited Q&A session.

Moderator:

Paul Tomosfsky

President

Network Branded Prepaid Card Association

Panelists:

Neil Dugan

Senior Business Leader

MasterCard Prepaid Product Management, Americas

Brian Triplett

SVP, Emerging Product Development

Visa USA

Additional panelists to be announced

4:20 PM - 5:05 PM

Emerging Payments Track

Millennials: A Generational View

This session will focus on market and financial research and provide valuable information about the Millennial Generation, their foundation and reality and their financial health, as well as the top five "must ask and answer" Millennial questions for every financial institution.

Jack MacKenzie

Executive Vice President

Frank N. Magid Associates, Inc.

Kendra Pratt

First Vice President, Senior Research Manager

Washington Mutual

10:30 AM - 11:15 AM

ATM Track

The Hidden Value of the ATM

This session will highlight groundbreaking research on the "hidden value" of the ATM as it relates to customer attrition and how ATM P&Ls underestimate the true value of the ATM.

Melissa Fox

Manager

Dove Consulting

10:30 AM - 11:15 AM

Debit Track

Rewards: Yesterday, Today and Tomorrow

Wachovia was one of the first financial institutions to implement a debit rewards program. The bank now operates one of the largest and best integrated debit portfolios in the country. This session will address the program's history and the various process improvements that Wachovia made to enhance its program; it will also discuss the changing rewards marketplace and Wachovia's plans to revamp its rewards proposition to remain a leader.

Chris A. Roberts

SVP, Corporate Management

Wachovia

10:30 AM - 11:15 AM

Prepaid Track

Innovations in Prepaid

Discussion will include the innovation in the fastest growing payments category, what is driving this innovation, how it is leading to new products and services that meet needs other products have been unable to meet, and the important role of the processor in delivering these innovative solutions.

Todd Brockman

President

Galileo Processing

10:30 AM - 11:15 AM

Emerging Payments Track

Legislative and Regulatory Update: Issues You Need Know

The days of laissez faire in the payment systems industry appear increasingly distant as legislators and regulators seem intent on reining in perceived industry abuses. From pricing controls to data breach requirements to new consumer protections, this session will focus on key legislative and regulatory initiatives (both proposed and recently enacted) affecting constituents in the EFT and prepaid industries. In this session we will also examine what you need to do to keep on the right side of compliance with these existing and proposed requirements.

Duncan Douglass

Partner

Altston & Bird

11:20 AM - 12:05 PM

ATM Track

Advanced ATM Functionality

US Bank operates one of the largest and most sophisticated ATM networks in the country, and has been a pioneer in testing new functionality on its ATMs, such as prepaid phone top-ups and credit card promotions. But, do these advanced functions actually work? Do they make money? What's next in terms of ATM functionality? This session will discuss the role of ATM functionality, what works and what doesn't work, and the tools needed to effectively utilize advanced ATM capabilities.

Patty Henneky

Senior Executive

US Bank

11:20 AM - 12:05 PM

Debit Track

Merchant-Funded Rewards: Innovations in Debit Card Strategies

Debit usage now drives the transaction relationship in financial services. However, many in the financial industry still treat the service as a checking account, and have found debit rewards to be marginally profitable at best. In fact, a debit strategy can be the key profit engine for retail banking if components like relationships services and rewards are properly implemented. In this interactive session, banking executives will share their case studies to illustrate how debit rewards has proven to be a major profit engine for retail checking relationships. Learn how these banks are taking innovative approaches to relationship management benefiting greatly from merchant funding and generating more than $62 in profit per checking account.

Susan Abbott

Executive Vice President

Busey Bank

Bob Giltner

Consulting Partner

My Rewards

11:20 AM - 12:05 PM

Prepaid Track

Prepaid Incentive & Rebate Cards

Businesses are increasingly looking to innovative prepaid card programs as a cost-effective way to manage rebate and incentive programs replacing traditional incentives such as checks, and merchandise. This presentation will feature a discussion on the benefits of incentive and rebate prepaid programs and how Visa is helping businesses recognize cost savings and efficiencies, motivate employees and customers and create memorable brand building programs. A Visa customer will join the presentation to discuss firsthand their experience in transitioning to incentive/rebate card programs vs. traditional offerings.

Michael Chittaro

Senior Business Leader

Visa, Inc.

Panelists to be Announced

11:20 AM - 12:05 PM

Emerging Payments Track

Where Emerging Payments Fit in the Landscape

First, the Federal Reserve will present as summary of its retail payment study, detailing the size and growth of the payments market. Within its context, the Federal Reserve will quantify the size of the alternative payments business and what underlying payment mechanisms are utilized. Second, Oliver Wyman will discuss the implications of alternative payments on FIs. Are these companies friends or foes? How should banks respond? Who ultimately wins?

Andrew Dresner

Partner

Oliver Wyman

Brian Egan

VP, Retail Product Office

Federal Reserve Bank of Atlanta

12:05 PM - 12:50 PM

ATM Track

Topic to be Announced

12:05 PM - 12:50 PM

Debit Track

Debit Risk Management

A comprehensive debit risk management program must address both customer acquisition (KYC, risk scoring), and also ongoing identify theft protection and transaction monitoring for fraud or compromised cards. Successful debit card issuers implement and continuously refine end-to-and programs, and customers expect nothing less than their identity and card/account is safe. This session will outlines the do's and don'ts of risk management through case studies and expert testimony.

Laurene Vandenberg

Vice President

Fiserv

12:05 PM - 12:50 PM

Prepaid Track

Card Payments in Healthcare - A Fresh Look

In this session, Celent will present new and original research regarding how healthcare payment cards are transforming the industry and are set for further change. Particular attention will be placed on the need for healthcare payment cards to "marry" healthcare and payment information. For any financial institution issuing or considering issuing healthcare prepaid cards, this presentation will discuss critical card functionality considerations such as auto-substantiation, real- and "right"-time adjudication, mag stripe specifications, and rules-based multi-purse authorization.

Red Gillen

Senior Analyst

Celent

12:05 PM - 12:50 PM

Emerging Payments Track

Emerging Global Trends

With more than 500 prepaid programs operating around the globe, what can the US learn from the best practices abroad? How is prepaid evolving around the globe? What are the key issues slowing adoption and growth? Will cell phone technology soon replace prepaid plastic cards in some geographies? Edgar, Dunn & Company is a founding member of Prepaid International Forum and sits on its Board of Directors in Europe and Asia Pacific. Working with more than 40 prepaid program providers outside the US, EDC has a unique perspective and global view of how the industry is evolving as new technologies and products come of age and begin to gain traction and acceptance.

Ken Howes

Director

Edgar Dunn & Company

Ann Schmitt

Director

Edgar Dunn & Company