David W. Nelms,  Chairman and Chief Executive Officer,  Discover Financial Services, Inc.

Marge Connelly,  EVP, Operations,  Capital One Corporation

Moderator:
John Gould,  Director, Consumer Lending & Bankcards,  TowerGroup

Panelists:
David Balto,  Partner,  White & Case

Ben Colvin,  SVP, Chase Regional Bank Consumer Product Management & New Product Development,  JP Morgan Chase
Stan Paur,  President & CEO ,  Pulse EFT
Jonathan Wilk,  Payments & Strategy Executive,  Bank of America Corporation

2:00 PM
A Maturing Market: Where Do We "Grow" From Here?
Continued consolidation, declining response rates, pricing pressure, and other factors are creating a challenging environment for many issuers to achieve their asset and profit growth objectives. This session will explore the implications to issuers of a maturing credit card industry and provide insights into the strategies and tactics that may help issuers achieve their business objectives.
John Grund,  Partner,  First Annapolis Consulting, Inc.


2:45 PM
Challenges and Opportunities for Credit Card Collections
This discussion and case study will address:
- Current market trends and their impact on Card Issuer's to improve collection operations
- Performance measurements and benchmarking
- Improving collections processing and strategies
- Leveraging new technologies
Richard Openshaw,  Principal, Global Portfolio Risk Management,  MasterCard International


3:30 PM - 4:00 PM
Afternoon Refreshment Break

4:00 PM
Identity Theft - How Should Issuers React?
With growing public alarm over rising identity theft and legislation pending designed to attack the problem, this session will discuss the tangible steps, beyond public relations, issuers should be taking to address and tackle the problem. We will argue the solutions that need to be considered in the context of an enterprise risk management approach, rather than expecting fraud departments to shoulder the entire burden.
Paul Collins,  Senior Consultant Portfolio Management,  First Annapolis Consulting, Inc.

John Shaunessy ,  SVP, Fraud,  Visa, USA


4:45 PM
Doing business on the Internet - the opportunity and threats
As banks increase investment in the Internet channel, fraudsters are lurking around the corner taking advantage of consumers' trust in their financial institution and its online communication and services, in order to commit phishing and other forms of identity theft. This panel will discuss the opportunities and benefits of the online channel, the risks and threats involved and finally what banks can do to fight back!
Moderator:
Ariana-Michele Moore,  Analyst,  Celent

Panelists:
Naftali Bennet,  CEO,  Cyota, Inc.

Tim Rowley,  Senior Vice President, Card eCommerce,  Bank of America Corportaion

Richard Parry,  SVP Group Fraud Risk Management,  Bank One Corporation


5:30 PM - 7:30 PM
Conference Adjourns for Day One
Followed By Networking Reception in Exhibit Hall

2:00 PM
Building the Debit Business Case & Loyalty
The question of profitability for debit card has become the focal point of many a discussion surrounding debit in a post Wal Mart world. Probably the biggest area of intrigue centers around Loyalty programs. Some banks have implemented them, others had plans for it, many more are struggling with the business model. This session will address a perspective on why the business case for both debit card and loyalty are still viable options, post settlement.
Ben Colvin,  SVP, Chase Regional Bank Consumer Product Management & New Product Development,  JP Morgan Chase


2:45 PM
Perspectives On The Future of Debit
Hear from the true forces driving debit activity as they discuss the changing face of the debit card landscape.
Stacey Pinkerd,  SVP, Consumer Debit & Pre-Paid Products,  Visa U.S.A.

Ruvan Cohen,  SVP Marketing Solutions,  MasterCard Advisors


3:30 PM - 4:00 PM
Afternoon Refreshment Break

4:00 PM
How Do Debit Cards Fit Into the Payment Business At Your Institution?
It is estimated that payments represent up to 40% of a financial institution's net income. This session will explore the elements of the payments business and examine how a debit card portfolio and the underlying demand deposit accounts fit into the payments mix.
Lorraine Fischer,  SVP & Payment Strategist,  Wachovia Corporation


4:45 PM
One Year Later
This session will discuss the Wal-Mart settlement's impact on the debit strategies of Visa, MasterCard, their issuing member banks, and the PIN debit networks. The session also will address whether the settlement has affected the relative growth of off-line and on-line debit. These trends will be examined from the standpoint of the merchant, including whether merchants received additional from the Wal-Mart settlement, and if so, the extent to which they are using it.
Jeff Shinder,  Partner,  Constantine & Partners


5:30 PM - 7:30 PM
Conference Adjourns for Day One
Followed By Networking Reception in Exhibit Hall

2:00 PM
Cardholder Loyalty: Fact or Fiction?
Creating loyalty in today's credit card market may be the impossible dream. What are effective and ineffective loyalty tools? How do loyalty features stack up in relationship to rates and other pricing aspects, as well as other features? Do loyalty features cause consumers to fragment usage among various cards? The first step in building card loyalty is to understand the consumer's perspective. Explore the dynamics of cardholder loyalty through an overview of consumer market research and a real world perspective from a card product provider.
William McCracken,  Chief Executive Officer,  Synergistics Research Corporation

Lars Holmquist,  EVP, Card Loyalty,  TSYS


2:45 PM
Creating Value by Leveraging Lessons of the Customer Experience
Impacts from product advances by innovating firms are quickly muted by the competition, capable of matching product improvements that provide only temporary competitive advantage. This session will introduce the notion of companies competing behaviorally. You will learn about creating and sustaining positive, meaningful experiences and how to link these experiences into the "DNA" of your business.
Nalini Indorf Kaplan,  Global Practice Leader,  MasterCard Advisors


3:00 PM - 4:00 PM
Afternoon Refreshment Break

4:00 PM
Creating Customer Value with "Real Rewards"

• Compelling ways to drive excitement, loyalty and incremental usage
• Tools to redefine the card business with new value propositions
• New ways to make rewards accessible to mainstream America
• Techniques to use "real rewards" to drive deeper relationships

Susan Ehrlich,  Senior Vice President, Rewards,  Providian Financial

Gail Sneed,  Marketing Development Director,  Maritz Loyalty Marketing


4:45 PM
Enhanced Customer Retention Through Personal Customer Service
This session will present a case study that will the share details on how to provide call center representatives with vital information to make time sensitive decisions with less hands-off. The study will share how Discover improved their customer's experience through the personal attention with live operator interaction at a reasonable cost.
Anand Ramakrishnan,  Vice President Card Services ,  Kanbay Incorporated

Sandeep Chouhan,  Chief Information Officer,  Discover Financial Services, Inc.


5:30 PM - 7:30 PM
Conference Adjourns for Day One
Followed By Networking Reception in Exhibit Hall

2:00 PM
The Changing Payment Landscape: How Prepaid is Painting the Picture
The payment landscape is rapidly advancing, with an array of non-traditional cards that are serving to redefine the way consumers pay. American Express Compnay has a portfolio of prepaid products designed to meet the diverse payment needs of consumers. This session will take a look at the changing payments landscape and explore emerging trends in the prepaid market and how they are likely to effect market growth.
Sean O'Toole,  Vice President and General Manager of North America,  American Express Company


2:45 PM
The Evolution of Stored Value
An in depth look at a new innovative platform for Stored Value that offers the most comprehensive flexibility in the financial industry today. Until now, financial institutions had little or no flexibility to offer stored value products specific to their customers changing needs. The solutions offered in the past have been one-size-fits all platforms. Learn how effective stored value can be as a relationship tool when financial institutions customize a product that is specific to their own customer base.
Dondi Black,  Vice President, Marketing and Sales,  First Horizon National Corporation

George Danforth,  Vice President Corporate Development,  Pulse EFT Association

Grace Chen,  Chairman & CEO ,  eCommLink


3:30 PM - 4:00 PM
Afternoon Refreshment Break

4:00 PM
Stored Value: Banking New Accounts
From payroll to employee incentives, healthcare benefits to "plastic" transit vouchers, gift, travel and teen cards, prepaid might just be the best new way to capture steady revenue streams while acquiring long-term customers you may have never otherwise had. Strategies to consider today to generate new bank customer accounts tomorrow.
Bill Mathis,  Senior Vice President, Member Relations,  MasterCard International


4:45 PM
Unlock the Potential of the Small Business Market
Jean Burkhart, Vice President Small Business Products, Visa USA, will explore the value the small business market poses for the banking and payment industries, and address how to overcome challenges in serving the needs of this dynamic and diverse market. Jean will also provide insight into how Visa is successfully addressing the payment needs of small businesses and offer her vision on the future of small business payment solutions.
Jean Burkhart,  VP, Small Business Products,  Visa USA


5:30 PM - 7:30 PM
Conference Adjourns for Day One
Followed By Networking Reception in Exhibit Hall

Vikram A. Atal,  Executive Vice President, Expansion Markets,  Citi Cards/Citigroup

Dr. David Evans,  Managing Director,  LECG LLC

Moderator:
James Demers,  Executive Director,  Card Coalition

Panelists:
Toni Bellissimo,  Regional Director for Government Relations,  Household International, Inc.

Joshua Peirez,  SVP,  MasterCard International

Gary Selvy,  Executive Vice President for State Government Affairs,  MBNA America, NA

Russell Schrader,  Senior Vice President,  Visa U.S.A.

Jeff Trachtman,  Vice President, Products,  Fifth Third Bank

Steve Abrams,  SVP, Corporate Payment Solutions,  MasterCard International

Connie Dudley,  Executive Vice President, Product and Client Development,  TSYS

Paul Grill,  Principal,  First Annapolis Consulting, Inc.

Gary Trainor,  Corporate EVP,  First Data Corp.

Fabio Garcia-Passalacqua,  Vice President & Manager, Card Products Division,  Banco Popular

J. William (Bill) Hanifin,  Loyalty Program Consultant,  The Colloguy Group, Frequency Marketing, Inc.