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This Fall’s Premiere Electronic Payments Conference

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PAYMENTS INDUSTRY HEADLINERS TO KEYNOTE

CONFERENCE CHAIRMAN

ATM, DEBIT & PREPAID FORUM 201018

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OCTOBER 3-5, 2010ARIZONA BILTMORE | PHOENIX, AZ

Joshua Pereiz, Chief Innovation Offi cerMASTERCARD WORLDWIDE

Delivering Faster, More Convenient Payments Through Innovation

Jeff Dennes, Executive Director, Mobile & Money MovementUSAA

Mobile Financial Services Innovation

Michael A. Cook, Vice President & Assistant TreasurerWAL-MART STORES, INC.

How Does the World’s Largest Retailer Think About Payments?

Richard Oliver, EVP, Retail PaymentsFEDERAL RESERVE BANK OF ATLANTA

Enabling the Mobile Wallet

Jonathan Velline, SVP, ATM Banking andStore StrategyWELLS FARGO

Putting Customers at the Center of Your ATM Strategy

Rick McNutt, EVP, Retail PaymentsPNC FINANCIAL SERVICES

A New Payments Model

Tony HayesPartnerOLIVER WYMAN

Roger C. Hochschild, President and Chief Operating Offi cerDISCOVER FINANCIAL SERVICES

A Rising Tide Raises All Ships: Creating Value in Financial Services

Steve Streit, Founder, Chairman & CEOGREEN DOT CORPORATION

The Ascendancy of Reloadable Prepaid Cards

42 In-depth case studies, presentations and panel discussions

80 + Speakers

5 Breakout Tracks

Tony HayesPartnerOLIVER WYMAN


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www.atmdebitprepaidforum.com | 800.803.3424



REGISTER TODAY! Use PROMO CODE: DL100 and save additional $100 off the current conference rates!

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ATM: GETTING THE MOST OUT OF YOUR ATMs

CONFERENCE TRACKS

Advances in self-service hardware, software and check imaging allow ATM deployers to provide ever greater functionality to their customers. Yet, ATM usage continues to decline raising critical questions about the future of the channel: should banks invest, outsource or utilize third-party branding solutions? Seven dedicated sessions in the ATM track explore ways to get the most out of your ATMs.

DEBIT: STRATEGIES TO BUILD PROFITABILITY

PREPAID: GREAT EXPECTATIONS FOR PREPAID

EMERGING PAYMENTS: GET IN THE RACE NOW

REGULATION AND SECURITY: WHAT TO EXPECT AND HOW TO ADAPT

WHO YOU WILL MEETMeet and network with major players in the cards and payments industry, including card issuers, payment networks, industry analysts, and payments product and service providers:

Issuing bankcard executives in debit and prepaid

Heads of loyalty and points programs

ATM Deployers

Emerging payments executives

Payment business strategists

Marketing directors

Operations & technology managers

Community bank executives

Over 650 attendees gathered at the 2009 ATM, Debit & Prepaid Forum, including:

14%President/ CEO

29%EVP/ SVP/VP

16%Director/ Sr. Manager

23%Manager/ AVP

18%Other

Consumer use of debit continues to grow, displacing cash, checks and credit card payments. How can debit card issuers expand debit use? What are issuer best practices for improving penetration, activation and usage? What role do rewards programs play? How will the Durbin bill alter the economics of debit and what can/should issuers do to prepare?

Begin by hearing the latest research on the size and growth of specifi c prepaid markets, and then gain the latest insights relating to the most promising prepaid segments including payroll cards and reload-able cards. Also understand how a leading bank is “making prepaid work” and how other banks can integrate prepaid into their overall payments strategy.

Your customers’ desire for convenience, choice and control over their fi nances is driving interest in a num-ber of alternative payment options. Sessions in this track will offer examples of emerging payment busi-ness models that have the potential to deliver bottom line results.

With new regulatory compliance mandates, and more likely to come your way, you’ll need to adapt, and understand the implications for your business opera-tions. This new environment of risk management also highlights the need for greater security standards.

LETTER FROM THE CONFERENCE CHAIRMAN

Our keynote speakers are leaders in their respective fi elds, offering competitive strategies to succeed, and their views on how the market will evolve. Hear from:• Mike Cook, head of payments with Walmart, the world’s largest retailer, will share his views on where the

payments industry is heading – and should head• Roger Hochschild, President and COO of Discover Financial Services, will describe the competitive dynamics

within payments and how issuers and retailers can benefi t in this new paradigm• Rick McNutt, EVP, Retail Payments, PNC Financial Services will explain the new payments model for banks• Josh Peirez, Chief Innovation Offi cer at MasterCard Worldwide, will provide an update on what’s new in

payments• Steve Streit, Chairman and CEO of Green Dot Corporation, will talk about the ascendancy of reloadable

prepaid cards • Jonathan Velline, head of ATM and distribution strategy with Wells Fargo, will describe his vision for the future

of bank self-service

Richard Oliver, EVP with The Federal Reserve Bank of Atlanta will share insights from the Fed’s Mobile Payments Industry Roundtable, including where the industry is headed, barriers to adoption, and how it may impact consumers in general. This will be followed by mobile banking trailblazer, USAA.

Plus, we’re featuring some fi rst-rate keynote panels. The Network Showcase returns with all six of the major networks on one panel — CO-OP Network, MasterCard Worldwide, NYCE, PULSE, STAR, and Visa, Inc. And merchant processing leaders will discuss and debate “New Opportunities at the Point-of-Sale”.

In addition to these thought leaders, more than 70 pioneers and industry practitioners will share best practices and new insights across the event’s four concurrent tracks, providing actionable information on ATMs, debit cards, prepaid cards and emerging payments. Case studies and lively panel discussions offer a chance to keep up-to-date on new product opportunities, potential partnerships, potential challengers, and the evolving regulatory environment.

Beyond the content, the ATM, Debit & Prepaid Forum offers a great opportunity to reconnect with industry colleagues, both old and new. Attracting more than 650 decision-makers every year, this event has become the focal point for exchanging ideas and investigating the latest solutions from top providers.

I encourage you to join me on October 3-5 in Phoenix to participate in the discussion, learn, meet old friends and make new ones, and pick up on ideas that you can apply to your company at the industry’s defi nitive event.

Best wishes,

Tony HayesPartner | Conference Chairman

WHAT TO EXPECT AND HOW TO ADAPTNEW!

Dear Colleague:

We’ve witnessed and experienced major industry changes in recent years that have hit the ATM and payments industry hard, but also opened up enormous opportunities. Often it seems as though our biggest challenge is simply keeping pace with the speed and enormity of the changes taking place.

With this in mind, we’ve prepared the agenda for this year’s ATM, Debit & Prepaid Forum to help you stay on top of all of these developments. Our agenda is designed to deliver insights to help you better manage your business, to help you understand the various new regulatory mandates, and to track new competitors and new solution providers.


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3:05 PM – 3:30 PM Afternoon Networking Break

5:05 PM – 6:00 PM Networking Reception in the Exhibit Hall

7:00 PM – 9:00 PM PREMIER EVENT: Afterglow Reception Sponsored by

9:45 AM - 10:15 AM Morning Networking Break

12:40 PM Conference Concludes

AGENDA AT-A-GLANCESUNDAY, OCTOBER 310:30 AM - 1:00 PM Pre-Conference Workshops A and B

1:15 PM - 3:45 PM Pre-Conference Workshops C and D

3:45 PM - 4:30 PM Delivering Faster, More Convenient Payments Through Innovation

4:30 PM - 5:30 PM Network Showcase

5:30 PM - 6:30 PM Welcome Reception

6:45 PM Dinner with Conference ChairmanTony Hayes, Partner, OLIVER WYMAN

MONDAY, OCTOBER 47:30 AM - 8:00 AMContinental Breakfast and Registration

8:00 AM - 8:15 AMOpening Remarks from the Chairman

8:15 AM - 9:00 AMHow Does the World’s Largest Retailer Think About Payments?

9:00 AM – 9:45 AMNew Opportunities at the Point-of-Sale

9:45 AM – 10:15 AMNetworking Break

10:15 AM – 11:00 AMPutting Customers at the Center of Your ATM Strategy

11:00 AM – 11:30 PMA Rising Tide Raises All Ships: Creating Value in Financial Services

11:30 AM – 12:00 PMA New Payments Model

12:00 PM – 1:00 PMNetworking Lunch

1:00 PM – 1:30 PMDessert in the Exhibit Hall

New Approaches to ATM Management: Cost Effective ATM Deployment

MONDAY, OCTOBER 4 C O N C U R R E N T S E S S I O N S

ATM DEBIT PREPAID

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New Solutions for Back-end ATM Processing

Leveraging the Mobile Channel to Empower and Retain Customers

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Multivendor ATM Software Panel

TUESDAY, OCTOBER 5 7:45 AM - 8:15 AM Continental Breakfast8:15 AM – 8:45 AM A Conversation with Green Dot Corporation Chairman and CEO

8:45 AM – 9:15 AM

Enabling the Mobile Wallet9:15 AM – 9:45 AMMobile Financial Services Innovation

ATM Opportunities & Challenges from an ISO Perspective

ATM DEBIT PREPAID

EMERGING PAYMENTS

REGULATION & SECURITY

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C O N C U R R E N T S E S S I O N S

Optimizing the ATM Channel

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Best Practices for Debit CardPortfolios

Integrating Prepaid IntoYour Overall PaymentsStrategy

Meeting the Changing Needs of Consumers

The 2010 Debit Issuer Study

Prepaid Market Size and Trends Analysis and theImpact of Re-stricted Authorization Networks (RAN)

Integrating P2P with Mobile Banking

The Future of Debit Rewards

How a Bank can MakePrepaid Work

Mobile Payments in Action: Starbucks Case Study

Driving Debit Portfolio Performance

How Prepaid is Transforming Financial Services

Analyst Panel: What’s in the Emerging Payments Pipeline

The State of Secure Remote Debit Payments

Payroll Cards and the Benefi ts of Paperless Pay

Recent Regulatory and Other Developments for ATM and Debit Cards

Debit Card Competitive Market: When is a Prepaid Card Not? The Money Card vs. Debit Card Debate

Marketing Prepaid to the New Frugal Consumer

Best Practices for Prepaid Under New Regulations

ATM Outsourcing

Building a Next Generation Loyalty Program for Debit

Building a Better Reload Network

PCI Security Standards, Recent Data Breach Implications and Prevention

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KEYNOTE SPEAKERSMichael A. CookVice President & Assistant Treasurer WAL-MART STORES, INC.

Joshua PereizChief Innovation Offi cerMASTERCARD WORLDWIDE

Roger C. HochschildPresident and Chief Operating Offi cerDISCOVER FINANCIAL SERVICES

Jeff DennesExecutive Director, Mobile& Money MovementUSAA

Jonathan VellineSVP, ATM Banking andStore StrategyWELLS FARGO

Richard OliverEVP, Retail PaymentsFEDERAL RESERVE BANK OF ATLANTA

The conference begins with in-depth workshops. Each workshop is an additional $149.

10:30 AM – 1:00 PM | Choose Either A or B WORKSHOP AWhat Can Prepaid do for You?While many have touted the benefi ts of prepaid cards, and the market is expanding every day, a number of traditional fi nancial institutions have yet to enter into the market.

KEY TAKE AWAY: This workshop will help you gain an understanding of the general purpose prepaid card mar-ket, and how fi nancial institutions are currently incorpo-rating this into their payments product mix. You’ll receive information to help you to evaluate the decision to offer general purpose prepaid cards, and what types make the most sense for your customers.

Kirsten Trusko, Executive DirectorNETWORK BRANDED PREPAID CARD ASSOCIATION

WORKSHOP BInterchange Evolution – Assessing and preparing for its ImpactInterchange regulation has been a topic of much discus-sion for many years on end, but resolution of this issue is right around the corner, with major implications for debit issuers.

KEY TAKE AWAY: This workshop is designed to provide you with the basics about the interchange mandate, and next steps, including:

• What does this mean for your business, and what are the next steps?

• What kind of contingency plans have issuers developed

• The latest data and research about what your customers expect, and what kind of debit products they are likely to use in this new environment

Joel Stanton, Senior Analyst, LIGHTSPEED RESEARCH

1:15 PM – 3:45 PM | Choose Either C or D WORKSHOP CGetting into the Game: Engaging in Social Media and Emerging PaymentsThe rise of social media and gaming sites has resulted in the creation of largely unregulated, multinational econo-mies. These economies, which include both real and virtual currencies, generate billions of dollars in person-to-person transactions. Payments providers have a potential opportu-nity to leverage this medium and participate in these econo-mies, but must fi rst understand the environment, players and potential risks.

KEY TAKE AWAY: This workshop will provide an overview of the rise of social media and gaming sites, the types of person-to-person transactions taking place, the role that payment companies play, and examples of how companies are currently participating in, and benefi ting from social media interactions.

Zachary Aron, Senior ManagerDELOITTE CONSULTING

Meghan Stark, Senior ConsultantDELOITTE CONSULTING

WORKSHOP DMaximizing Debit and Payment Account Profi tabilityWith debit usage at an all-time high, understanding the market both externally and internally is key to improving the performance of debit portfolios and underlying payment accounts. KEY TAKE AWAY: Attendees will receive research and practical examples that will help them understand today’s debit marketplace, both domestically and abroad, and enable them to evaluate their portfolios to identify oppor-tunities to maximize profi tability. Using this information, attendees will be challenged to form, rethink or validate their current approach to debit.

Lorraine Fischer, SVP, Debit Product Management,FIRST DATA

PRE-CONFERENCE WORKSHOPS SUNDAY, OCTOBER 3

Rick McNutt,EVP, Retail Payments,PNC FINANCIAL SERVICES

Steve StreitFounder, Chairman & CEOGREEN DOT CORPORATION

Mike Cook joined the company in 1993 and has held various positions within Wal-Mart’s corporate fi nance department, information systems division and fi nancial services depart-ment. He has been instrumental in numerousWal-Mart initiatives and is a member of the Corporate Finance Committee.

Joshua Peirez leads the development and commercialization of payment product plat-forms that create a sustainable competitive advantage for MasterCard and its customers. The Innovative Platforms group is responsible for such MasterCard initiatives as e-Com-merce, Mobile, Chip, P2P, PayPass, Transit, inControl, Orbiscom, Cardholder Solutions, and Bill Payment.

Roger Hochschild is responsible for all of Discover’s operating functions, including Mar-keting, Risk Management, Cardmember Services, Consumer Banking, Payment Services and Technology.

Jeff Dennes is Executive Director supporting Financial Transactions and the Mobile Chan-nel. Jeff has been supporting projects, programs and strategy for USAA since joining in January of 2000. He and his team have worked to develop and support strategy for electronic fi nancial transactions and the mobile channel.

Jonathan Velline manages the Wells Fargo and Wachovia ATM business of more than 12,000 ATMs –the third largest bank ATM network in the United States. In addition, Velline is responsible for distribution analysis, and for developing and implementing store technology, process, and risk management strategies for the Wells Fargo and Wachovia network of more than 6,000 banking stores.

Richard R. Oliver has been with the Bank since 1973. Since 1998, he has served as retail payments product manager for the Federal Reserve System. In this capacity, he has responsibility for managing the Fed’s check and ACH businesses nationwide.

Richard G. McNutt is the Executive Vice-President for Retail Payments at PNC Bank which includes credit card, debit card, and the ATM network. He is a recognized leader in retail fi nancial services and has a track record of leading and building successful payments, credit and deposit businesses at a number of marquee fi nancial services fi rms over the past 20 years.

Steve Streit founded Green Dot Corporation in 1999 and is viewed as both a pioneer in the fi nancial services industry and as a passionate advocate for the unbanked and under-served communities. He has been recognized for numerous industry awards, including the 2005 Ernst & Young Entrepreneur of the Year award for Southern California and the Prepaid Industry Leadership Award in 2008.

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NETWORK SHOWCASE

KEYNOTES AND GENERAL SESSIONS

The 2010 ATM, Debit & Prepaid Forum sees the return of the Network Showcase. In this unique lineup, hear from the leaders of the six top U.S. debit networks on their views on the payments business and where they see opportunities.• How will the Durbin amendment change the debit landscape? What

actions should issuers be taking now to prepare?• With fl at-to-down ATM volumes, how can fi nancial institutions best

meet their customers’ demand for cash access?• Can banks and credit unions succeed in prepaid? If so, where

and how?• Will contactless payments, mobile payments, PayPal or

other business models fundamentally change the debitbusiness? How can/should banks plan for these developments?

Panelists:

Kevin Barry, General Manager, STAR

Leland S. Englebardt, II, Group Head, Global ATM Net-work, MASTERCARD WORLDWIDEJim Hanisch, EVP, CO-OP NETWORK Neil Marcous, President, NYCE Dave Schneider, President, PULSE Bob Whyte, Head of Consumer Debit Products, North America, VISA, INC.Moderator:

Tony Hayes, Partner, OLIVER WYMAN

SUNDAY, OCTOBER 33:45 PM - 4:30 PMJoshua Pereiz, Chief Innovation Offi cerMASTERCARD WORLDWIDEDelivering Faster, More Convenient Payments Through InnovationIn today’s fast-paced culture, consumers are constantly seeking out the next best products and solutions that provide them a perceived value-add. Within payments this translates to the ability to make and track payments when, where and how they want. So how do we as an industry meet these consumer expectations and what do the payments solutions of tomorrow look like? This session will explore the powerful forces at play - evolving consumer behaviors and preferences, disruptive or emerging technologies and new regulatory requirements - that are transforming our industry.

MONDAY, OCTOBER 48:15 AM - 9:00 AM Michael A. Cook, Vice President & Assistant Treasurer, WALMART

How Does the World’s Largest Retailer Think About Payments? Walmart has more than 8,000 retail stores in 15 countries and annual sales of more than $400 billion; with over 200 million purchases ev-ery week, how Walmart manages and promotes payments is critical to every organization across the value chain. This keynote will cover:• How customers pay and how this is changing?

Which payment types does Walmart prefer?• Perspectives on the interchange debate• The need for improved data security and the case for chip & PIN

• The value proposition of Walmart’s general purpose reloadable prepaid card• Outlook for emerging payment types

10:15 AM - 11:00 AM Jonathan Velline, SVP, ATM Banking and Store Strategy, WELLS FARGO

Putting Customers at the Center of Your ATM Strategy Learn how Wells Fargo designs a better ATM experience to meet customers’ growing expectations of fi nancial institutions and technology, and their demand for seamless cross-channel con-nections. See examples of how Wells Fargo used design principles to deliver a number of “fi rsts” in the U.S., including Envelope Free ATMs, bulk-check deposits, electronic check clearing (under Check21), and ATM e-receipts. Hear how Wells Fargo uses their exclusive multi-vendor software to continuously improve and deliver more for their customers.

11:00 AM – 11:30 AM Roger C. Hochschild, President and Chief Operating Offi cer, DISCOVER FINANCIAL SERVICES

A Rising Tide Raises All Ships: Creating Value in Financial ServicesA recent survey showed that fi nancial services ranks lower than the automobile industry and on par or lower than the oil and gas and tobacco industries in the eyes of the general public. Some in our industry see this as a “perception” issue but, in the end, perception usually matches reality. The mandate for fi nancial services is to focus on the needs of the customer, treat them better and provide them with more value. This keynote will focus on value creation, including the impact of legislative and regulatory changes, and ways to create a rising tide of value that can raise all ships in the fi nancial services industry.

NEW OPPORTUNITIES AT THE POINT-OF-SALE

11:30 AM - 12:00 PM Richard G. McNutt, EVP, Retail PaymentsPNC FINANCIAL SERVICESA New Payments ModelThis keynote will focus on how recent regulatory changes are re-shaping the payments business model for banks. The primary focus will be on checking, debit cards and credit cards, and will highlight moving from a pricing and risk model to a share of payments wallet model that is tightly aligned with customer objectives.

TUESDAY, OCTOBER 58:15 AM – 8:45 AMSteven Streit, Founder, Chairman and CEOGREEN DOT CORPORATIONA Conversation with Steve StreitSteve Streit, Chairman & CEO of Green Dot Corporation, sits down with Richard Melville, Editorial Director of SourceMedia’s banking publications, for a lively discussion about the prepaid industry. They will talk about trends and opportunities within the prepaid industry, how current regulatory issues are affecting the industry, and what role Green Dot hopes to play in the future of prepaid.

8:45 AM – 9:15 AM

Richard Oliver, EVP, Retail PaymentsFEDERAL RESERVE BANK OF ATLANTAEnabling the Mobile Wallet Despite considerable hype, mobile payments in the U.S. has not gained any traction, stymied by competing interests across multiple stakeholders. The Boston and Atlanta Federal Reserve Banks col-laborated and convened a Mobile Payments Industry Roundtable for key industry stakeholders with the aim of understanding the envi-ronment for mobile payments, and provide a forum for participants to discuss what should be done to address barriers to adoption in the U.S. In this presentation, you’ll gain insights into the mobile payments revenue proposition, models for the mobile payments ecosystem and how organizations can collaborate to enable the mobile wallet.

9:15 AM - 9:45 AM

Jeff Dennes, Executive Director, Mobile Money Movement, USAAMobile Financial Services Innovation USAA remains at the forefront of mobile fi nancial services, having already rolled out remote deposit capture (RDC) and applications for the iPhone, Google Android and Blackberry, a personal fi nancial management tool, and tax advice. Plans won’t stop there. As devices and their capabilities become more advanced, opportunities for more sophisticated and easy to use services, including payment-related applications become available. See what’s possible in mobile fi nancial services.

Issuers, networks and payment startups are constantly devising new payment methods and applications. But, in a two-sided market, these schemes will only gain hold if merchants and merchant pro-cessors also choose to support the new technology. In this panel, leading merchant processors will describe what makes a hit new payment product (and what’s a dud). Based on their ongoing inter-actions with merchants, they will provide their thoughts on the merits and likely adoption rates for:• Contactless card payments and mobile payments• Real-time rewards redemption at the point-of-sale• Enhanced data security (and in what form)• IP-based POS terminals and other hardware/software advances

Panelists:Jim Baumgartner, CEO, MONERIS

Steve Elefant, CIO, HEARTLAND PAYMENTSPamela A. Joseph, Vice Chair, Payment Services, US BANK

Moderator:Adam Frisch, Managing Director, Senior Analyst, MOR-GAN STANLEY

SUNDAY, OCTOBER 3 | 4:30 PM – 5:30 PM MONDAY, OCTOBER 4 | 9:00 AM - 9:45 AM

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ATM TRACKATM, DEBIT & PREPAID FORUM 201018

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1:30 PM – 2:15 PM New Approaches to ATM Management: Cost Effective ATM Deployment

This session will provide a case study of the deployment of low-cost, high-quality ATM solutions through a unique rela-tionship between an FI and an ATM manufacturer.What began as a project for low-cost Express Depositors has become a successful relationship that has resulted in innova-tions in technology, product development and industry-fi rst ways of doing business.Steve Bruno, VP, Technical Services & Support, NAUTI-LUS HYOSUNG AMERICA INC.

Bryan Pisciotta, SVP, CITIBANK

2:20 PM – 3:05 PM

New Solutions for Back-end ATM Processing

Moving to a single-software platform to manage a large ATM fl eet is not a decision made lightly. There are many consider-ations including software functionality, multi-vendor hardware compatibility, security, technical support, and the overall Total Cost of Ownership. BBVA Compass will share their experience, from consideration to implementation of Wincor Nixdorf’s PC/E ProCash Software to manage their fl eet.

Wincor Nixdorf will discuss the Multi-Vendor Software landscape today, important considerations when selecting a vendor, and how the increasing number of self-serve devices in the typical retail bank creates even greater software man-agement challenges.Andy Hernandez, EVP, Channel Development, BBVA COMPASS

Alan Walsh, EVP, Banking Division, WINCOR-NIXDORF

3:30 PM - 4:15 PMLeveraging the Mobile Channel to Empower and Retain Consumers

Allowing dynamic two-way interaction via mobile phones, fi nancial institutions can proactively communicate with their customers through text messages and mobile applications, while simultaneously providing them a comprehensive suite of convenient and on-demand services. This session will outline the relevancy and future growth of the mobile bank-ing channel, including how it works in conjunction with the ATM channel and enhances security through fraud alerts and multi-factor authentication. It will also offer concrete steps that fi nancial institutions should consider when implement-ing a mobile banking strategy that will ultimately help banks and credit unions expand its delivery channels, facilitate ease of payments and retain and grow market share through a personalized engagement with consumers. Wico Van Genderen, VP, Global Marketing and Prod-uct Management, DIEBOLD

Beth Robertson, Director of Payments Research,JAVELIN STRATEGY & RESEARCH

Bank speaker to be confi rmed

4:20 PM – 5:05 PMMultivendor ATM Software PanelWith fi nancial institutions looking to get more bang for their buck out of the ATM channel, this panel discussion looks at the opportunities and business value of multivendor ATM software beyond cost reduction and consistency of consumer experience. The panel will address a number of topics such as: • Why fi nancial institutions are investing in new ATM software • The key business case elements that favor multi vendor software • New and emerging capabilities in ATM software • Examples of multichannel integration delivered through the ATM channel • Emerging security considerations

Panelists:Steve Hensley, EVP, Global Sales Manager, KAL

John Spenler, CTO, PHOENIX INTERACTIVE

Robert Johnston, Marketing Software, ATM Software, NCR CORPORATIONModerator: Bob Meara, Senior Analyst , CELENT

10:15 AM – 11:00 AMATM Opportunities & Challenges from an ISO PerspectiveHow do ATM ISOs succeed in the face of current market headwinds – increased fi nancial regulations, ATM interchange pressure, increased competition from electronic (non-cash) payments – all in the context of a maturing market in the U.S. This panel with leading ATM deployers will explore the actions that ISOs have taken to not only address these and other chal-lenges but to grow the value of their businesses. Some topics to be addressed include: the best locations for deployment, the merits of branding with third-parties, and the regulatory environment (with networks, processors and government mandates).

Panelists: John Leehy III, President & CEOPAYMENTS ALLIANCE INTERNATIONAL

Steve Rathgaber, CEO, CARDTRONICS

Moderator: David Dove, Managing General PartnerDOVE CAPITAL PARTNERS

11:05 AM – 11:50 AM

Optimizing the ATM Channel Three quarters of your customers’ interactions with you are through the ATM, yet this valuable cross-sell and marketing opportunity often goes untapped. Expand the horizon of this trusted customer channel to increase cross-selling opportuni-ties and expose additional services. Learn about strategies and technology to enable fi nancial institutions to enrich the cus-tomer ATM experience by enabling new servicing and selling capabilities, as well as personalizing existing transactions with the incorporation of customer specifi c information.Jay Weber, Vice President, EFT Solutions, FIS

Brenda Pino, VP, ATM Distribution & Support HARRIS BANK

11:55 AM – 12:40 PM

Outsourcing ATMsNew technologies are revitalizing ATMs, but the cost can be high. Banks are looking to outsourcing as a way to better manage costs, and upgrade to the latest ATM technologies and improve their bottom lines too. This session will cover how a complete outsourcing solution provides a cost-effective way to upgrade to new ATM technology, while relieving much of the day-to-day burden associated with operating a fl eet of ATMs. Mary Knich, VP, Product Management - ATM Services, FIRST DATA

Bank speaker to be confi rmed

MONDAY, OCTOBER 4 TUESDAY, OCTOBER 5MONDAY, OCTOBER 4

GETTING THE MOST OUT OF YOUR ATMs

Sponsored by

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www.atmdebitprepaidforum.com | 800.803.3424 REGISTER TODAY! Use PROMO CODE: DL100 and save additional $100 off the current conference rates!

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DEBIT TRACK

1:30 PM – 2:15 PMBest Practices for Debit Card PortfoliosRecent legislative changes involving debit cards make it im-perative that debit card issuers maximize the potential of their existing portfolios. This panel will discuss ways to maximize value in existing portfolios. Topics they will address include: • Managing customer relationships • Building brand synergy • ROI • Regulatory Compliance • Balancing risk and reward • Cardholder data security • Fraud deterrenceKurt Helwig, President and CEO, ELECTRONIC FUNDS TRANSFER ASSOCIATION

Card Issuing Financial Institution Representative to be confi rmed

2:20 PM – 3:05 PMThe 2010 Debit Issuer StudyHow does the performance of your debit portfolio compare with your peers? How are various players reacting to regulatory changes in the industry? Join Oliver Wyman and PULSE as they discuss key performance metrics related to debit cards, transactions, Reg E, debit economics, rewards, fraud and more. Using data from the 2010 Debit Is-suer Study, the defi nitive study of the debit card market based on primary research with 64 fi nancial institutions represent-ing more than 78 million debit cards, they will examine the performance of peer issuers. The session will also focus on issuers’ outlook on the future, where the major opportunities and challenges reside, and effective ways to stay ahead of the curve as the industry adapts to the new regulatory framework.Inderpreet Batra, Principal, OLIVER WYMANJudith McGuire, SVP, Product Management, PULSE

3:30 PM - 4:15 PMThe Future of Debit RewardsAn increasing number of issuers are questioning the value of debit rewards programs. Do they cause customers to use their cards more or are issuers simply paying for behavior that would have occurred anyway? Can rewards program improve customer acquisition and reduce attrition, or is the cardholder value proposition too weak to make a difference? Will re-wards still be viable under different pricing scenarios? This panel of major debit issuers with highly regarded rewards programs will share their views.

Panelists:Cindy Smith, EVP, Director BankCard Products and Services, ZIONS BANK

Chris Van Steenberg, SVP, CITIZENS FINANCIAL GROUPLynn Heitman, SVP, Retail Payment Solutions, US BANKModerator:Tim Spence, Principal, OLIVER WYMAN

4:20 PM – 5:05 PMDriving Debit Portfolio PerformanceHistorically, debit has been a signifi cant contributor to bank revenue and earnings. For debit card managers, the primary goal is to grow debit spend, both overall and as a share of customers’ overall payments mix - and the results over the last decade have been very impressive. In this panel discussion, successful debit card issuers will describe strategies to drive superior card performance, focusing on the primary metrics of Penetration, Activation and Usage.• Penetration - How are cards issued to new customers?

How are bankers incented? What are the merits of instant issuance?• Activation - What tactics and marketing messages

can (cost effectively) get customers to use their cards?• Usage - Which customer segments are the best prospects for

debit use? Where are the growth opportunities now? • Regulation - What new strategies will be needed in

the new environment?

Moderator: Tony Hayes, Partner, OLIVER WYMAN

Panelists:Cathy Kauffman, Check Card Product Manager, BB&TAndrew M. Paur, EVP, Director of Payment Systems, WOODFOREST NATIONAL BANK

Dave Willis, SVP, Debit Card and Funds ServiceNAVY FEDERAL CREDIT UNION

Michael Wolf, VP, Bankcard Product Management, FIFTH THIRD

10:15 AM – 11:00 AMThe State of Secure Remote Debit Payments Over the last few quarters, consumers have shown an increased appetite for using debit products to pay for their purchases in both the physical and online spaces. Yet with the growth in online sales comes another less exciting set of statistics. In 2008, it is estimated that $4 billion was lost to online payment fraud— losses absorbed by merchants, consumers and fi nancial institutions. These numbers beg the questions, which this panel will address:• How secure are internet and mobile payments?• Should consumers be concerned about using their debit products for online purchases?• How can merchants decrease their losses associated with such payments?• How will fi nancial institutions benefi t from making these payments more secure?Panelists:

Jamie Henry, Director, Payment Services, WAL-MART STORESSteve Karp, Senior Vice President, SUNTRUST BANKMichael Kelly, General Manager, ACCEL/EXCHANGE NETWORK

Moderator:Paul Tomasofsky, President, SECURE REMOTE PAYMENT COUNCIL

11:05 AM – 11:50 AMDebit Card Competitive Market: When is a Prepaid Card Not? The Money Card vs. Debit Card DebateGeneral Purpose Reloadable and Payroll Cards are gaining market share, but at whose expense? Are consumers turning away from traditional banking accounts to take advantage of these accessible and functional transactional products? Are FI-issuers missing a market opportunity by not incorporating GPR cards into their account segmentation strategies? These are some of the questions that will be explored by a panel of industry stakeholders representing the fi nancial institution and prepaid card markets in a session designed to address the challenges and opportunities for fi nancial institutions as they consider whether to compete or cooperate with the GPR card market.

Panelists to be announced

Moderator:Patti Hewitt, Director, Debit Advisory Service, MERCATOR ADVISORY GROUP

11:55 AM – 12:40 PMBuilding a Next Generation Loyalty Program for Debit With its acquisition of Wachovia in 2009, Wells Fargo under-took a wholesale revamping of their loyalty strategy to launch a “next-generation” rewards program that combines the best practices and leading technologies of today’s best loyalty programs. The goal of this new strategy was to build loyalty and increase spend among its debit card holders. In addition to rewards infrastructure changes, Wells Fargo focused on leveraging shopping partners – retailers, travel, and other mer-chants– as a coalition capable of delivering unique value to debit card members. This has created a new economic model for funding rewards points and discounts that is reaping big rewards. In this case study, Wells Fargo will discuss the development and rollout of their new rewards program including:

• How the business case was developed to drive this new major initiative

• How loyalty shopping with partner merchants changes the economic model for rewards

• What best practices and technologies were most critical to drive the success of their program

• How Wells Fargo is creating sustained differentiation with their loyalty program

• What lessons can be applied to drive loyalty beyond debit cardsTom Beecher, CEO and President, MALL NETWORKS

Doug Rappoport, VP, Product Manager, Rewards Management and Enhancement Services Team, WELLS FARGO

MONDAY, OCTOBER 4 TUESDAY, OCTOBER 5

1:30 PM – 2:15 PM

MONDAY, OCTOBER 4

STRATEGIES TO BUILD PROFITABILITY

Sponsored by


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PREPAID TRACK

MONDAY, OCTOBER 4 TUESDAY, OCTOBER 5

1:30 PM – 2:15 PMReal-Life Prepaid Programs:Integrating Prepaid Into Your Overall Payments Strategy Prepaid programs must begin with a solid business case that includes vetting and qualifying partners, fi ne tuning program requirements, and determining the right distribution channels to market. But prepaid isn’t an island – it should be inte-grated with other more traditional payment services, such as bill payment, checking, overdraft services, ATM access, lines of credit, etc. Join us as we provide a detailed review of the prepaid market opportunity, including industry growth data, best practices, and more. We will show you how the prepaid industry - and consumer awareness - has grown from the early days of gift cards into a $400 billion industry that encompasses unem-ployment benefi ts, rebates, teen, payroll, travel, incentive cards, and more. This session will also provide a view into several real-life prepaid programs, illustrating how various fi nancial institutions have successfully integrated prepaid into their overall payments strategy.Ralph Calvano, SVP & GM, Prepaid Solutions, FIS

Professor Dan Horne, Director of Business Intelligence GLOBAL PREPAID EXCHANGE

2:20 PM – 3:05 PMFirst Look: Prepaid Market Size and Trends Analysis and the Impact of Restricted Authorization Networks (RAN)

Mercator Advisory Group will present publicly for the fi rst time fi ndings from its closely followed, annual prepaid benchmark with data on the overall size and growth of the total pre-paid industry from 2009 to 2010. Now in their sixth year of documenting industry growth, Mercator will discuss market dynamics reshaping specifi c segments such as GPR, Incentives, Government and Payroll. Also discussed will be Restricted Authorization Networks (RAN) and how these networks are quickly changing the traditional prepaid landscape and bridg-ing the gap between open and closed loop cards. An explana-tion will be provided on the operation and use of RAN, with descriptions of various existing implementations that already deliver increased value and help drive specifi c cardholder/con-sumer behaviors. Tim Sloane, VP, Client Services, Director, Prepaid Advisory ServicesMERCATOR ADVISORY GROUP

3:30 PM - 4:15 PMHow a Bank Can Make Prepaid WorkDespite all the hype around the size and growth of prepaid, the reality is that very few banks have achieved success with their prepaid card programs: gift card sales are low and payroll cards have not attracted many corporate customers. Yet, U.S. Bank has managed to build a highly successful prepaid busi-ness. This session will address how U.S. Bank made prepaid “work.” Which markets do they pursue? How is the bank organized around prepaid? What product features are critical for success?Dominic Venturo, Chief Innovation Offi cer, US BANK

4:20 PM – 5:05 PMHow Prepaid is Transforming Financial ServicesPrepaid is changing the way payments and fi nancial services are being created and delivered, creating signifi cant new mar-ket opportunities and presenting a real threat to incumbents across a much broader segment of their customer base than most of them realize. Scott Gallit, President, I2C INC.

10:15 AM – 11:00 AMPayroll Cards and the Benefi ts of Paperless Pay

Payroll cards can eliminate the recurring production and administrative costs of printing and mailing checks, while bringing the convenience and security of electronic payments to employees lacking a traditional bank account. This session will focus on the benefi ts of paperless pay, the role that pay-roll cards play and best practices for implementing a paperless pay program. Session attendees will:

• Learn about trends driving payroll card adoption

• Hear relevant research fi ndings around benefi ts of payroll cards for consumers and employers

• Hear a case study of a successful employer payroll card program

• Learn best practices for companies switching from paper to electronic distribution of payroll funds.

Jill Goebel, Senior Leader, Prepaid ProductsVISA, INC.

Gary Lott, Divisional VP and GM, AUTOMATIC DATA PROCESSING INC.

11:05 AM – 11:50 AMMarketing Prepaid to the New Frugal ConsumerHow can marketers reach frugal consumers in a down econo-my? What other habits and traits are consumers demonstrat-ing that prepaid companies should take note of? What kind of education does today’s consumer need about the prepaid value proposition? Panelists will share the latest research on the prepaid consumer, prospective consumers and how to make prepaid cards accessible.

Moderator:Teri Llach, CMO, BLACKHAWK NETWORK

Panelists:Kimberly Gartner, Associate Director, CFSI

Michael Hafer, VP, Global Cards, WESTERN UNION FINANCIAL SERVICES

11:55 AM – 12:40 PMBuilding a Better Reload NetworkMoneyGram has one of the largest networks for prepaid card reloading and with thousands of agent locations nationwide including grocery stores, gas stations, corner stores, phar-macies, check cashers and more. This session will cover the importance of establishing a strong reload network with convenient and accessible locations for cardholders and how to do it in a seamless manner. The session will also touch on giving cardholders more meaningful ways to use their cards, e.g. expedited bill payment and cash payout services.Greg Waltz, Vice President – General Manager Payment Products MONEYGRAM INTERNATIONAL, INC.

MONDAY, OCTOBER 4

GREAT EXPECTATIONS FOR PREPAID

Sponsored by

CASESTUDY

FIRSTLOOK


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REGULATION AND SECURITY TRACK WHAT TO EXPECT AND HOW TO ADAPT GET IN THE RACE NOW

MONDAY, OCTOBER 4

1:30 PM – 2:15 PMMeeting the Changing Needs of ConsumersConsumer preferences are continuing to change. The current economic environment has accelerated consumers’ desire for convenience, choice and control over their fi nances. An increasing number of emerging and alternative payment op-tions are being made available to meet this market need. This session will explore trends and changes in consumer prefer-ences and some of the new innovations available in the mar-ket, including TSYS’s new hybrid card processing capability. Sarah Hartman, Senior Director, TSYS

2:20 PM – 3:05 PMIntegrating P2P with Mobile BankingPayments have moved from traditional paper bill payments to a new model – managing electronic payments to companies, individuals, and self using a concise, single model. By taking a fresh approach to the online and mobile channels and by working with alternative solution providers like PayPal, FIs can begin to make this centralized money movement portal a reality. Join PayPal for a look at industry trends shaping mobile banking and mobile payments. The session covers key oppor-tunities for fi nancial institutions and how the fi nancial ecosys-tem can benefi t by integrating P2P with their mobile banking application. The session will look at specifi c use cases that can eliminate checks and cash in favor of mobile payments.Dan Schatt, Senior Director, Corporate Strategy, PAYPAL

3:30 PM - 4:15 PMMobile Payments in Action: Starbucks Case Study

One of the most signifi cant recent innovations in mobile pay-ments was piloted last fall when mFoundry teamed up with Starbucks to introduce an iPhone app called Starbucks Card Mobile. The application enables customers of the Seattle-based chain to pay for their orders using mobile phones at the point of sale. Hear about the fi rst steps in this new mobile payments program.Jon Squire, SVP, Wallet & Payments, MFOUNDRY

4:20 PM – 5:05 PMAnalyst Panel: What’s in the Emerging Payments Pipeline What new companies and technologies will shape the pay-ments world of tomorrow? Where are the best investment or partnership opportunities? This panel of forward-thinkers will provide an in-the-trenches view of where the emerging pay-ment providers are. Panelists from banks, venture capital fi rms and innovative payment companies join in this discussion

Moderator: Tien-tsin Huang, Research Analyst, J.P. MORGAN

Panelists to be announced

TUESDAY, OCTOBER 5

10:15 AM – 11:00 AMRecent Regulatory and Other Developments for ATM and Debit CardsThe issuers of ATM and debit cards are weathering a turbulent period. New Regulation E requirements went into effect on July 1 for new accounts and August 15 for existing accounts, and the Durbin amendment will introduce another set of pricing changes. Under Reg E, ATM and one-time debit card overdraft fees are no longer assessable absent an affi rmative consumer’s consent. Prompted by public pressure to police bank fees, the legislatures and regulators now rigorously scrutinize service fees and charges and other terms for these products. This session will explore these new regulatory and legislative developments, providing compliance guidance to clear sailing. Further, effective October 15, under a product called “Original Credit Transaction,” Visa is requiring that all issuers of Visa debit and prepaid reloadable cards accept credit of funds, adding value to such cards. While sending of funds is optional, the receipt of funds is mandatory, as to issu-ers. This session will identify some of the regulatory and other issues this Visa initiative raises.

Ted Teruo Kitada, Senior Company Counsel, WELLS FARGO BANKVeronica McGregor, Partner, PERKINE COIE LLP

11:05 AM – 11:50 AMBest Practices for Prepaid Under New RegulationsPrepaid cards are used by myriad companies and industries today, but prepaid is currently the topic of much discussion on Capitol Hill, and rules and regulations surrounding the prod-ucts are changing. Executives from Parago and the Network Branded Prepaid Card Association will offer a timely presenta-tion regarding the latest changes to prepaid and how it will effect businesses utilizing prepaid. Presenters will also share a best practices outline for offering the products responsibly within the new rules.Juli Spottiswood, CEO, PARAGO

Terry Maher, Partner, Baird Holm LLP and General Counsel, NETWORK BRANDED PREPAID CARD ASSOCIATION

11:55 AM – 12:40 PMPCI Security Standards, Recent Data Breach Implications and PreventionIn this presentation Troy Leach will discuss current threat vectors and the security landscape as it relates to PCI, detail the PCI Security Standards lifecycle, highlighting the current period and discuss upcoming changes in the next revision of the standards.He’ll also address events that have illustrated the tremendous implications that data breaches have in the fi nancial services space. This session will cover:• What the Council and the Data Security Standard means to stakeholders in the payment chain• Purpose of the Payment Application Data Security Standard (PA-DSS)• Purpose of PIN Transaction Security (PTS)• Ramifi cations and lessons learned from recent breaches worldwide• How the Council engages industry stakeholders to refl ect feedback from the marketplace• How organizations can and are contributing • How PCI SSC works to promote greater adoption of the standards

Troy Leach, Chief Technology Offi cerPCI SECURITY STANDARDS COUNCIL

EMERGING PAYMENTS TRACK NEW!

MONDAY, OCTOBER 4

CASESTUDY


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SPONSORSHIP OPPORTUNITIES

Maura Parrish

212-803-6563

[email protected]

ATM, Debit & Prepaid Forum is the industry’s premier event and the annual gathering place for card issuers, ATM deployers, payment networks, industry analysts, and payments product and service providers.

Sponsoring offers you the opportunity to:

• ACCESS information on the latest tools, trends, technologies and strategies

• NETWORK with industry leaders and PaymentsSource editors & subscribers

• SHARE ideas and hear success stories from industry executives

• MEET face-to-face with potential customers, understand their needs better, and develop business relationships with them

• PARTICIPATE in speaker and advisory boards shaping the future of the marketplace

• GATHER industry research and feedback

• POSITION, BRAND & PROFILE your fi rm at the most prestigious meeting place of the year

To fi nd out how to customize a sponsorship/exhibit package that is most appropriate for your institution please contact Maura Parrish.

CONTACT

NETWORKING OPPORTUNITIES AND SPECIAL EVENTS

THIS YEAR’S SPONSORS AND EXHIBITORS:

INDUSTRY PARTNERS

SUNDAY, OCTOBER 35:30 PM – 6:30 PM Welcome Reception

6:45 PM Dinner with Conference Chairman Tony Hayes, Partner

OLIVER WYMAN

Join our annual dinner with Tony Hayes and his Oliver Wyman partners. Hear Tony’s views on the evolving ATM and payments markets, and where there are opportunities for profi table growth. Come prepared to ask questions in a collegial forum.

Additional Fee Applies.

MONDAY, OCTOBER 47.30 AM - 8:00 AMContinental Breakfast and Registration

9:45 AM – 10:15 AMNetworking Break in the Exhibit Hall

12:00 PM – 1:00 PMNetworking Luncheon

1:00 PM – 1:30 PMDessert in the Exhibit Hall

3:05 PM – 3:30 PMAfternoon Networking Break in the Exhibit Hall

5:05 PM – 6:00 Networking Reception in the Exhibit Hall

7:00 PM - 9:00 PM Premier Event Join us for networking, food and live music at the Afterglow Reception in the Grand Ballroom.

Sponsored by:

TUESDAY, OCTOBER 57:45 AM - 8:15 AMContinental Breakfast

9:45 AM – 10:15 AMMorning Networking Breakin the Exhibit Hall

Acculynk Allpoint Network Arroweye Solutions BetterATMDatacard Group Dynamic Card Solutions FIS Fiserv GRG InternationalKAL Kony SolutionsLexcel Solutions, lnc.Moneta CorporationNautilus Hyosung America, Inc

Odyssey Information Services PayPalPerfect Plastic Printing Phoenix Interactive Design, Inc. Propco Marketing R & P Group RewardsNOW, Inc. Serverside Group Source One Direct Ventus Visa, Inc. Western Union Global Business Payments

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To register visit www.atmdebitprepaidforum.comor call 800.803.3424


REGISTER TODAY! Use PROMO CODE: BROCH150 and save an additional $150 off the current conference rates!


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HOTEL & TRAVEL INFORMATION Arizona Biltmore2400 E. Missouri AvenuePhoenix, AZ 85016 www.arizonabiltmore.com

Phone: 800.950.6600 Room Rate: $209 Attire: Business Casual

Please make your reservations by September 3, 2010.

REGISTER TODAY! Use PROMO CODE: BROCH150 and save an additional $150 off the current conference rates!


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Data, news and analysis for payments professionals

Presents


SourceMedia, Inc. One State Street Plaza, 27th FloorNew York, NY 10004

BEFORE BEFORE BEFORE ON-SITERates: 8/20 9/10 10/3

$995 $1,195 $1,395 $1,795

All Others $1,295 $1,495 $1,695 $1,995

REGISTRATION

ADD-ONS

Pre-Conference Workshops:

Individual Workshop ....... $149

Workshop Combo ............. $249

Dinner with Tony Hayes .. $75

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