Keep up with the Expanding World of Payments

Presented by:

Keep up with the expanding world of payments

Use code OW for an exclusive $300 off! You’ve got a tricky mandate: discover the next big thing in payments, and maintain a firm handle on your existing An industry in Flux business. In this rapidly developing industry, juggling both is a challenge. You want to preserve and expand your debit business and your ATM Inside: Expert Advice; First-Hand Experiences network. You also need to explore opportunities in prepaid, mobile payments and maybe even Bitcoin. Join other bankers and payment technology innovators sharing up- to-date business insights and cutting edge ideas. 4 Executives from payment networks, processors, merchant acquirers and ATM manufacturersMore provide Bitcoin their viewpoints Companies on EMV Routing Compromise Complicated sustaining a healthy business while embracing the new. TSYS to Buy NetSpend in The annual Payments InnovationProvide Day showcase Ways provides to you Micro-Paywith a ‘Transformational’ $1.4B Prepaid Deal by Judge’s Swipe-Fee Ruling new crop of clever, groundbreaking ideas in payments. New this year-Digital Money track. This group For the processor Total System Services, buying the prepaid card marketer NetSpend of sessions explores virtual currencies, how merchants and is transformational. For NetSpend it’s going to be business Fed’sas Debit-Card Swipe-Fee usual, the companies say. Buying th consumers are using them, and the impact of this new ecosystem Rules Rejected by U.S. Judge Reductions in Interchange on banks. You can rely on keen analysis from respected annual surveys as Income Concern ATM Deployers well as advice from best-practice banks that are putting new ideas to the test. February 26, 2013 American Banker Plan your tip to Vegas to experience it first hand. We can’t wait to Payments Startups Remain Stifled by Californiasee you there. Licensing Law Tony Hayes Partner Wells Fargo Beefs Up Card Executives from payment networks, processors, merchant acquirers and ATM manufacturers also provide their viewpoints annual Payments Innovation Day showcase provides you with new on sustaining a healthy business while embracing the new. The Conference Chairman Account Management at ATMs Register Today! crop of clever,www.atmdebitprepaidforum.com groundbreaking ideas in payments. | (212) And new 803-8456 this | virtual(212) 803-8348currencies, how merchants and consumers are using them, 3 year is the Digital Money track, a group of sessions which explores and the impact of this new ecosystem viewpoints on sustaining a healthy business while embra Leland Sandy Cecilia Jim Tony Ed Pete John Neil Marie Dodd Englebardt Estep Frew Hanisch Hayes Kadletz Korpady Manna Marcous Perry Roberts MasterCard Worldwide Publix Super Markets PNC CO-OP Network Oliver Wyman Wells Fargo STAR Lowes NYCE BRINKER INTERNATIONAL. MCX Leadership Insights Tuesday 9:00 a.m. – 9:45 a.m. MCX: Who, What, When, Monday 4:15 p.m. – 5:15 p.m. October 22 Network Showcase Why and How? Merchant Customer Exchange (MCX) is a consortium of the top retailers October 21 One of the highlights of the ATM, Debit & Prepaid Forum is the annual Network Showcase, 8:15 a.m. - 9:00 a.m. across the country working to build a new mobile commerce platform, bringing together the top payments networks all on one stage at the same time. As spanning payments, marketing, loyalty, and numerous other features that will regulated and exempt issuers alike grapple with growth, new technologies and an uncertain revolutionize the shopping experience. And in the process, MCX is seeking 3:30 p.m. – 4:15 p.m. regulatory environment, this keynote session provides an unparalleled opportunity to hear Leaders in Debit to establish win-win partnerships with banks. Following a presentation from the organizations shaping the future of the payments market. covering MCX’s approach, a panel discussion will follow with four of MCX’s In this important keynote session, the heads of some of the nation’s largest debit participating retailers. These merchants will discuss how they think about Delivering an Enhanced ATM and issuers discuss their business in a post-Regulation II environment. Given the recent mobile commerce; why they chose to build their own mobile platform; what they Moderator: Tony Hayes, Partner, Oliver Wyman court ruling on the Fed’s interpretation of the Durbin Amendment, debit regulations see as the opportunities to build greater loyalty with customers, as well as the Store Experience may change again, making this discussion especially timely. Some of the critical Panelists: Leland Englebardt, Group Head, Global Network Products, challenges of mobile commerce, such as the risk of disintermediation by wallet issues to be explored by this panel include, new debit strategies, new cost paradigms, A powerful design and engaging customer experience can deliver great service MasterCard Worldwide intermediaries. that builds loyalty. Deep integration with teller and digital channels creates Jim Hanisch, EVP, CO-OP Network new debit transactions and new technologies. opportunities to delight customers and increase team member engagement. Pete Korpady, General Manager, STAR Moderator: Tony Hayes, Partner, Oliver Wyman Jonathan Velline will address why you want to consider overall design, workflow, Moderator: Dodd Roberts, Executive, Merchant Customer and cross channel integration. Learn how Wells Fargo’s focus on experience Neil Marcous, President, NYCE Panelists: Cecilia Frew, SVP, Head of Debit & Prepaid, PNC Exchange (MCX) delivers more than efficiency strategies alone. See how this approach can lead Dave Schneider, President, PULSE Ed Kadletz, EVP, Head of Debit & Prepaid, Wells Fargo Panelists: Sandy Estep, VP and Controller, Publix Super Markets to innovative store formats, like Wells Fargo’s new neighborhood bank, which Bob Whyte, Head of Consumer Debit Products, North America, Visa Ben Stewart, Head of Debit, Bank of America delivers more distribution convenience in a smaller footprint. John Manna, VP and Operational Controller, Lowes Marie Perry, VP of Accounting & Finance, BRINKER INTERNATIONAL Presenter: Jonathan Velline, EVP, and Head of ATM Banking Jonathan Wallgren, Director, Bank Services , KOHL’S DEPARTMENT STORES and Store Strategy, Wells Fargo

Dave Ben Jonathan Bob Schneider Stewart Velline Whyte PULSE Bank of America Wells Fargo Visa 4 Register Today! www.atmdebitprepaidforum.com | (212) 803-8456 | (212) 803-8348 5 Richard Alpesh Vin Andy Jan Chuck Ashwin Steve Tim Michael Char Chokshi D’Agostino Dresner Estep Harris Shirvaikar Streit Willi Zeltkevic Citi American Express JPMorgan Chase Oliver Wyman NACHA Netspend Citi Green Dot Wells Fargo Securities Oliver Wyman Leadership Insights Wednesday Tuesday October 23 8:00 a.m. – 8:45 a.m. October 22 Continued Glenn David Fodor Fortney Leaders in Prepaid Autonomous Research The Clearing House 10:30 a.m. – 11:15 a.m. The general purpose reloadable (GPR) prepaid space is growing very quickly, offering 8:45 a.m. – 9:30 a.m. a convenient, low-cost banking and payments option for millions of consumers. This ACH: Friend or Foe? panel discussion with some of the country’s top GPR program managers will explore Industry Outlook-Investment the evolving economics of the GPR space, including the potential impact of Reg II and Customers drive payment choice. Never before has that been a truer statement. As innovation whether GPR’s exemption is critical to its business case. Panelists will share their view Analyst Panel continues and the payments system as we know it evolves, the services that directly meet end 11:15 a.m. – 12:00 p.m. on the newest bank prepaid offerings and their advice for new entrants, as well as the users’ needs are those that will emerge as tomorrow’s solutions. In this regard, the ACH Network unique fraud considerations for GPR cards. The payments sector is one of the most vibrant in the equity market, is an enabler. As the backbone for safe, secure and reliable direct account-to-account payments, Open and Secure spanning large cap stocks, such as MasterCard and Visa, to smaller startup the ACH Network offers opportunities from settlement and business payments, to P2P and payment technology firms, to various challengers looking to grow in point-of-sale solutions. Many see this and are capitalizing on ACH Network strengths to meet Mobile Payments Moderator: Andy Dresner, Partner, Oliver Wyman payments, such as Apple, AT&T, eBay, Google and MCX. And, with strong customer demands. Does that make the ACH Network a complement or a competitor? Friend Panelists: Alpesh Chokshi, President of Global Payment Options, growth rates, recurring revenue, healthy margins and attractive free cash Leading banks are collaborating on an exciting new dynamic payment or foe? Attend this session to decide for yourself. Determine how you want to position your American Express flow, payments companies tend to command high P/E ratios. This panel of offerings alongside this backbone payments network. tokenization solution to improve the security of emerging mobile and digital top-rated investment analysts will discuss the payments sector and share payments. In this session, The Clearing House and founding bank executives Chuck Harris, President, Netspend their views of the best opportunities. Presenter: Jan Estep, President & CEO, NACHA-The Electronic will describe the “Secure Cloud” program and discuss the case for industry Steve Streit, Chairman & CEO, Green Dot action to protect the integrity of the payments system and to encourage Payments Association open innovation. Moderator: Michael Zeltkevic, Partner, Oliver Wyman Panelists: Glenn Fodor, Partner/Research Analyst - Presenters: Richard Char, Head of Digital Networks and Payments & Processors, Autonomous Research Merchant Relations, Citi Enterprise Payments Ashwin Shirvaikar, Director, Computer Services & IT Vin D’Agostino, SVP, Payment Strategy, JPMorgan Chase Consulting, Citi David Fortney, SVP, New Product Development, Tim Willi, Managing Director, Wells Fargo Securities The Clearing House

6 Register Today! www.atmdebitprepaidforum.com | (212) 803-8456 | (212) 803-8348 7 ATM: Present and Future Sponsored by

Tuesday, October 22 4:10 p.m. – 4:55 p.m. Presenters: The Intersection of Mobile and ATMs: Cardless Cash Access Douglas Brown, SVP & GM, FIS Mobile 1:30 p.m. – 2:15 p.m. Presenters: By the end of the year, Wintrust Financial Corp. plans to deploy 180 ATMs that let customers Tom Ormseth, SVP, Wintrust Financial The New Consumer ATM Experience: Before, During and After the Transaction Sally Reilly, Director, ATM Channel, Sovereign withdraw cash without a plastic card by using the FIS mobile wallet installed on their mobile phone. Once the wallet app is opened and the user is authenticated, they’ll scan a QR code on the ATM to In a world where consumer attention seems forever fixed on a screen—smartphones, TVs, tablets, Santander access their cash. An electronic receipt is then delivered to the smart phone. Hear about the bank’s laptops—It’s important to remember the attention-getting quality of a screen known to many Rick Updyke, President, U.S. Business Group, initial pilots in this presentation. demographics—the ATM screen. Consumers continue to remain deeply engaged throughout an ATM Cardtronics transaction, and for good reason. That screen is telling them about their money. This session covers how financial institutions are leveraging the ATM screen, and the oldest self-service channel, to Wednesday, October 23 create a memorable and valuable consumer experience. 10:15 a.m. – 11:00 a.m. Presenters: 2:20 p.m. – 3:05 p.m. Moderators: Ethan Teas, Principal, Novantas, Inc. Leveraging Video to Enhance the ATM Experience Mychal Kempt, VP, North American Operations, Diebold ATM 2020: Bridge to Digital or “Branch” of the Future Kevin Travis, Managing Director, Novantas, Inc. The collision of technology advancements and changing demographics is dramatically impacting Bill St. John, VP, Branch Manager and Commercial Loan The industry is abuzz with network transformation concepts as banks strive to better match legacy Panelists: Mark Gilder, Payment Services Business the way consumers expect to interact with banking channels. Montana’s Missoula Federal Credit Officer,Mi ssoula Federal Credit Union infrastructure to customer wants and needs. The ATM is often suggested as a perfect supplement Manager, CITI Union will share how it is leveraging video as a key element of the ATM experience. For Missoula, or substitute. But how persistent will the need for physical distribution be at all? Will ATMs need to Beth Hale, SVP, Retail Network Strategy, Bank of the video represents the next step in delivering greater personalized service, enhancing self-service be culled in the next round of cuts? How do partnerships vs. owner ATMs play a role? This panel will capabilities and enabling members to complete more transactions outside the branch. You’ll use a combination of proprietary research, industry case studies, and direct learnings from banks to West Karla Mizelle, SVP Product & Channel Strategy, First discover how to create a go-to-market plan for video and get tips for using video technology to examine this issue. enhance the ATM experience. Citizens Bank Steven Nowaczyk, VP ATM Self-Service Channel 11:00 a.m. – 11:45 a.m. Presenters: Manager, BMO HARRIS Merchant Cash Management Harry Brandicourt, SVP, Managing Director, Strategic Planning Group, Director of Innovation, Fifth Third Bank Despite increasing adoption of card payments, cash usage is still on the rise. Banks are actively 3:05 p.m. – 3:20 p.m. managing consumer migration away from cash, and working with merchants to enable electronic Ben Hoffman, Partner,Ol iver Wyman Networking Break transactions. But what about merchant cash management? How much does it cost merchants to process cash? What are the solutions for them and what role can banks play in providing this 3:20 p.m. – 4:05 p.m. Presenters: service? Presenters discuss innovative solutions and the opportunity for banks and their customers. Driving Innovation to Impact All Customers: Making ATM and Banking Services Mark A. Riccobono, Executive Director, Jernigan Moderator: Ed O’Brien, Director of Banking Channels Available to People with Disabilities Institute, National Federation of the Blind; First 11:45 a.m. – 12:30 p.m. Blind Driver at the Daytona International Speedway Spotlight on the ATM Channel: New Technologies, New Services, and New Advisory Services, Mercator Advisory Group Park yourself at the intersection of innovation and learn about the legal obligations related Panelists: Laura Jones, SVP Compliance & Risk to making your ATM and banking services accessible to people with disabilities. By designing Mehgan Sidhu, General Counsel, National Federation Regulations Management, Elan Financial Services accessible services, you’ll achieve innovation in your service delivery, better user interfaces, an of the Blind Along with exciting new technologies comes a host of new services designed to make ATM expanded customer base, and fulfillment of legal obligations under the Americans with Disabilities management more cost-effective and customer-friendly. New regulations, from EMV to PCI and Scott Post, SVP,Ha nscom Federal Act. You can unlock the secret to why there is Braille on drive-up ATMs and learn about partnership Windows 7 and volatile interchange rates are presenting a different set of challenges. But new ATM Credit Union opportunities with the National Federation of the Blind. capabilities can play an important role in increasing efficiencies and bank profitability. David Tente, Executive Director, ATMIA Justin Zawaly, SVP, FI Sales & Account Management, Elan Financial Services

8 Register Today! www.atmdebitprepaidforum.com | (212) 803-8456 | (212) 803-8348 9 Debit Dynamics Sponsored by

Tuesday, October 22 Wednesday, October 23

1:30 p.m. – 2:15 p.m. Presenters: 10:15 a.m. – 11:00 a.m. Presenters: The Annual Debit Issuer Study Inderpreet Batra, Partner, Oliver Wyman Deals and Data: Driving Relevant Interactions with Card Members Steve Kietz, EVP/ GM, Strategic Partnerships, The Debit Issuer Study is the most comprehensive benchmarking study of debit issuers in the U.S. The 2013 Judith McGuire, EVP, PULSE Through Targeted Offers Edo Interactive study draws its insights from interviews with and data from 64 debit issuers, that collectively issue more Financial Institutions are continually looking for new ways to drive value for today’s connected customers. Stephanie Polen, Director, Client Portfolio than 140 million debit cards and represent 45 percent of U.S. debit transactions. Two topics will be the Card-linked offers are among the newest trends in the banking industry, marrying bankcards with merchant Optimization, Vantiv focus of this session – the “new normal” associated with debit post-Durbin, and “adjacent” developments offers, intelligently targeted to drive consumer usage. The ability for near-instant redemption and credit that are affecting debit. Are issuers still as focused on debit? What are issuers doing about rewards? could provide a powerful advantage for banks. Presenters will also review developments in prepaid, EMV and mobile payments.

2:20 p.m. – 3:05 p.m. Presenters: Cracking the Conversion: Best Practices in Switching Debit Processors Kelli Jones, VP, MasterCard IPS 11:00 a.m. – 11:45 a.m. Presenters: Changing processors is challenging and can be disruptive to customers, which is why it’s not something Dave Sanderson, VP, Debit Card Manager, banks do regularly. But, with the Durbin Amendment implementation dates approaching, KeyBank KEYBANK Broadening the View to BetterI dentify Compromised Card Accounts Neill Haskin, SVP, Global Consumer Fraud, Bank of knew that it was time for a change. In this session, KeyBank and MasterCard IPS will discuss how they Compromised credit and debit accounts continue to cost the industry billions of dollars in losses each America approached the conversion, best practices discovered through the conversion process, and share some year. What’s needed is a more complete picture of consumer activity by drawing on a host of data including Robert Hill, VP, Market Strategy, Early Warning lessons learned for other financial institutions considering a change in networks or processors. deposit activity, debit and credit card activity, and ATM transactions as well as analytics to more quickly— and accurately—pinpoint compromised or questionable accounts. Hear the results of this effort, and how 3:05 p.m. – 3:20 p.m. the findings could provide the card industry with a more enhanced solution to compromises in the future. Networking Break 11:45 a.m. – 12:30 p.m. Presenter: 3:20 p.m. – 4:05 p.m. Presenters: Inside the U.S. Credit/Debit Dynamic: Exploring Shifts in Consumer Spending and Ted Iacobuzio, VP, Global Insights, MasterCard How Instant Issuance is Shaping Customer Service Bill Dinker, President, EFT Source Saving Behavior The inconvenience of a lost or stolen card negates the actual convenience of using the card. A new or Jeremy Miller, Regional VP, Western Central Region, The United States continues to witness sustained growth in payment card volumes despite a stop-and- replacement card can take up to two weeks to deliver, resulting in cardholder dissatisfaction and a loss Centier Bank start recovery. This presentation will share research on consumers’ shifting behavior around spending, and for the financial institution. The ability to instantly issue cards can be a crucial differentiator, transforming saving and how it’s affecting the dynamic between credit and debit. Only by positioning their profitability the branch into a super customer service center by providing cards within seconds, not weeks. Hear how measurement, product design, and marketing and segmentation in ways that capture these changes in instantly issuing cards establishes your institution as superior in providing convenient, responsive service. consumer behavior can institutions and merchants remain profitable in the new reality.

4:10 p.m. – 4:55 p.m. Presenters: Disputes and Chargebacks - Bringing The Risk Down? Paul McMeekin, Senior Product Marketing Manager, It’s easier than ever for customers to dispute transactions. Given this new dymanic, issuers must be ACI prepared to resolve transactions quickly before they miss critical turnaround parameters. Presenters Andrew Paur, EVP & Corporate Operations Officer, share best practices so you can learn how to reduce operating timeframes, internal handling expense and Woodforest National Bank manage account workflows.

10 Register Today! www.atmdebitprepaidforum.com | (212) 803-8456 | (212) 803-8348 11 Prepaid On The Rise

Tuesday, October 22 Wednesday, October 23

1:30 p.m. – 2:15 p.m. Presenter: 10:15 a.m. – 11:00 a.m. Moderator: Cathy Corby Parker, Chief Revenue The Economics of Prepaid Tim Sloane, VP Client Services & Director, Prepaid Is It Time We Start Thinking of Prepaid As Just Another Deposit Product? Officer,Tr anscard Economics have significantly altered the shape of the prepaid market. Only two independent GPR program Advisory Service, Mercator Advisory Group This session will explore the fundamental differences between prepaid under the old model vs. prepaid as Panelists: Scott Bivens, VP Electronic Payments, managers with significant volume remain, with other large prepaid programs either vertically integrated a new bank deposit product. It will highlight the market and revenue opportunity for selling prepaid to bank City Bank Texas or now a division of a larger enterprise. This session will utilize results from a pro forma analysis of a customers, the impact on customer relationships, we well as operational and compliance responsibilities Travis Colquett,VP/Compliance Officer Prepaid Financial Services portfolio to identify the economics and demonstrate the challenges confronting of prepaid compared with other deposit products. This panel of community and regional bankers will relay First Citizens Bank independent program managers, banks and credit unions entering the prepaid market. the decision factors that led their institutions into prepaid, and share their experiences now that they have incorporated prepaid into their deposit product line. Jane Haskin, President & CEO 2:20 p.m. – 3:05 p.m. Moderator: Kirsten Trusko, President and First Bethany Bank & Trust Prepaid Matures as an Industry – What’s in it for you? Executive Director, Network Branded Prepaid Card Association 11:00 a.m. – 11:45 a.m. Do you wonder what you’re missing, asking yourself, “what’s in it for me?” when it comes to prepaid? Panelists: Juli Spottiswood, President & CEO, Prepaid has become increasingly mainstream, and is broadening into specific markets with enhanced Separating your Prepaid Card From the Pack product offerings. This creates the possibility of longer-term, more profitable customers, and cements the Parago PRESENTER: value of prepaid for both traditional financial services firms as well as early-stage innovators. Hear from Wendy Harp-Lewis, Chief Compliance Officer With the dramatic growth of the prepaid industry expected to continue, and as more prepaid players enter Anu Shultes, General Manager, Financial Services this panel on the evolving value of prepaid as the market matures. InteliSpend the market, prepaid card features will be key in separating the pack. Anu Shultes, Blackhawk Network and Telecom, BLACKHAWK NETWORK Katherine Yee, SVP, Prepaid Cards, Wells Fargo General Manager of Financial Services, will discuss the best prepaid features and what the industry can expect to see in future products as consumers begin to demand more flexibility, tools and amenities from 3:05 p.m. – 3:20 p.m. their cards. Networking Break

3:20 p.m. – 4:05 p.m. Presenters: Payroll Card Programs: How New Technology is Changing the Consumer Mindset Gary Lott, Division VP and GM,ADP 11:45 a.m. – 12:30 p.m. Presenter: While electronic payroll has seen significant adoption, challenges still exist for employers looking to achieve Linda Pappillion, Sr. Director - Payroll, HRIS, & How to Launch a Prepaid Card Program: A Case Study Paolo Zambonini, EVP, Product and Marketing, Employee Records, Pacific Sunwear Network International 100 percent electronic pay. This session will explore the ways technology—mobile, social and web-based— Question: How can you offer card-based payments in a region with a high unbanked population and no are changing the payroll card market. The case study will also cover the importance of employee-focused domestic payments scheme? Answer: By developing and launching a prepaid payroll program and a new tools in boosting adoption, retention and satisfaction. And you’ll hear about top features to look for when domestic payments network. Come hear how Network International (NI), the leading payments company considering a prepaid payroll provider. in the Middle East, successfully brought both to market this year. The session will discuss the various cards that can be deployed, the economic rationale for each, and their applicability to different types of markets. 4:10 p.m. – 4:55 p.m. Moderator: Lisa McFarland, Head of Consumer Additionally, NI will share how a domestic payments scheme can be established and the advantages that How Prepaid Innovation is Driving Future Advances in Financial Services Prepaid Products, Visa such a scheme provides. Innovations in prepaid are driving expansion in financial inclusion and creating a new payments Panelists: Dave Alvarez, CEO, NEXXO infrastructure that will ultimately bring the benefits of security, speed, simplicity and fee transparency to all Youri Bebic, General Manager, NFC Prepaid consumers, not just the underbanked. This group of panelists, representing the heads of companies driving Services, Device Fidelity such innovations as remote servicing, instant money movement, mobile acceptance and electronification of Drew Edwards, CEO, InGo Money bill payments will discuss how the emergence of new technologies and services are accelerating the growth Hamed Shahbazi, Founder, TIO Networks Corp. of prepaid. 12 Register Today! www.atmdebitprepaidforum.com | (212) 803-8456 | (212) 803-8348 13 Mobile Opportunities Sponsored by

Tuesday, October 22 Wednesday, October 23

1:30 p.m. – 2:15 p.m. Presenter: 10:15 a.m. – 11:00 a.m. Moderator: Sean Sposito, Tech Reporter, The Future of Payments Michael J. Kelly, President, PSCU Google Glass: Wearable Devices and its Impact on Mobile Commerce American Banker Why should you offer an EMV program? Are checks even relevant anymore? To NFC or not to NFC? What The advent of Google Glass might be the next great device form factor—the wearable device. The Panelists: Bradley Leimer, VP, Online and Mobile does it take for credit unions to prepare for the next level of payments? This presentation will provide Internet sparked online banking and financial management. The cell phone ushered in a whole new Strategy, Mechanics Bank clarity to the current payments picture and offer a glimpse into what a dynamically changing payments generation of mobile financial services that led to smartphone and tablet banking and transactions. Jim Marous, SVP, Corporate Development, ecosystem will bear out in the coming years. You’ll hear about the demands that consumers are placing on With this in mind, what potential financial services applications for wearable devices like Google Glass NEW CONTROL the mobile payments channel and shine a light on several key mega payment trends. are possible? What are the security, functional and design implications? A panel of app developers Robert Peck, Managing Director, SUNTRUST address these and other forward looking issues. 2:20 p.m. – 3:05 p.m. Presenters: Mobile Imaging and the New Customer Experience for Prepaid Michael Strange, CTO, Mitek 11:00 a.m. – 11:45 a.m. Presenters: Many financial institutions are in the process of adopting or evaluating mobile remote deposit capture Jon Rosner, VP, New Product Development, The Evolution of Person-to-Person Payments Tom Roberts, SVP, Marketing, CashEdge Division, as part of their suite of mobile services. This presentation will review the current trends and adoption of American Express As real-time payments become available, and as usage shifts from online to mobile devices, banks and Fiserv mobile imaging, including mobile deposit and bill pay. The session will explore the impact of these trends credit unions are seeing different use cases evolve for P2P. This session will explore how bank and credit Additional Presenters to be Announced on prepaid, in particular how these applications are beneficial to the underbanked. Critical success factors union account holders are using person-to-person payments, including details on transaction types, for adopting mobile imaging will be outlined. amounts and user demographics, how these factors have changed over the last 12 months, and how they are anticipated to shift in the next 12 months. 3:05 p.m. – 3:20 p.m. Networking Break 11:45 a.m. – 12:30 p.m. Presenter: 3:20 p.m. – 4:05 p.m. Mobile Wallet Legal Issues from A to Z Brooks E. Harlow, Principal/Mobile Payments Counsel, Presenter: Policy Issues in Mobile Payments As the mobile wallet evolves, so do the legal issues relating to the development, implementation and Lukas, Nace, Gutierrez & Sachs, LLP Jason Oxman, CEO, Electronic Transactions operation of mobile wallets and other mobile payments platforms. This session will help you to spot The business of mobile payments will undoubtedly be impacted by the business of government. This Association potential legal issues and pitfalls. It will particularly help emerging businesses adopt corporate forms panel will address top legal and policy issues that companies in the mobile payments chain should be Additional Presenters to be Announced and contractual relationships that minimize legal and regulatory exposures and compliance costs. watching. The panel will address legislation on Capitol Hill that will impact mobile payments, what state and federal government agencies are doing to help or hinder the deployment of mobile payments. And in particular, how the Consumer Financial Protection Bureau and Federal Trade Commission are looking at mobile payments.

4:10 p.m. – 4:55 p.m. Panelists: Zilvinas Bareisis, Senior Analyst, Will Retailers Ignite Mobile Payments at the POS? Celent NFC models haven’t taken hold. With the exception of Starbucks successful mobile POS, there aren’t Additional Presenters to be Announced many widespread success stories of consumer adoption of mobile payments, despite the available technology. But retailer apps might spark adoption. This panel will address these why retailer apps are attractive to customers, and whether there will be a huge proliferation of apps as a result. The session will also cover the implications for banks and card schemes such as private label.

14 Register Today! www.atmdebitprepaidforum.com | (212) 803-8456 | (212) 803-8348 15 0101 010 New 010101 this 01 0101001 Year! Digital Money: A New Payments Paradigm 01 Who is the next disruptor? Or the technology that will help reduce friction in the payment process? The one that will make a breakthrough in payments? Tuesday, October 22 Or the start-up that changes how consumers pay for things? 1:30 p.m. – 2:15 p.m. Presenter: The annual Payments Innovation Day (PiD) demonstration showcase will feature cutting-edge solutions driving innovation in payments. You’ll see demonstrations in Bitcoin for Bankers: Virtual Currency Overview George Peabody, Senior Advisor, Glenbrook quick-fire format from up-and-coming companies, giving you the scoop on potential game changers in payments. Audience members will be asked to vote on their favorite The hype about Bitcoin and other virtual currencies often misses the real significance to the financial Partners solution, crowning the winning company “most likely to succeed.” services industry. Cut through the noise about the Winklevoss twins and the whipsawing price of Bitcoins, and you’ll find a seriously disruptive technology. As a payment system, as a means of exchange, Bitcoin Monday, October 21, 2013 competes with PayPal, Western Union, MoneyGram, Visa and MasterCard, and to some extent with banks themselves. This session will explain what Bitcoin is, how it works, and the real reasons bankers should pay Here is just a hint of what’s to come from each company: attention. 9:30 a.m. - 11:00 a.m. 11:30 a.m. - 1:00 p.m. 2:20 p.m. – 3:05 p.m. PANELISTS: Company: Acculynk Company: Inetco Systems Company: Loylogic Company: MasterCard Compliance and AML Constance Choi, General Counsel, PAYWARD Product: Payzur Product: Inetco Insight Product: PointsPay Worldwide For startups in the virtual currency space, and the banks and other traditional providers that serve them, it Juan Llanos, Co-founder, EVP and Compliance “Payzur is the type of innovation that “INETCO Insight is the first and only “Different from other wallets, our Product: South African has become critical to understand the regulatory requirements from anti-money laundering and know-your Officer,Uni dos Financial makes you say: ‘That’s so simple; why vendor-agnostic transaction monitoring wallets do address a consumer need Social Security Agency (SASSA) customer rules. The Fincen guidance released this year, however, left a number of questions unanswered, have we been trying to make it so solution to provide end-to-end visibility and issue that has not been solved in Adam Shapiro, Director, Promontory Financial Debit MasterCard and recent state regulatory actions, such as California’s “cease and desist” warning to the nonprofit Bitcoin complicated when the solution was into every consumer transaction the last decade: Can I use my miles and “Its use of biometric and voice Foundation, have only confounded matters. This session will look at the risks – and opportunities – for there all along?’ The secret is in the initiated through client applications points wherever and whenever I want? recognition technology are a significant bankers and other financial services veterans who want to work with the new players to navigate the blurry PIN.” resident on mobile devices, through to We solved it by providing an app that step forward for security, privacy and regulatory landscape. their back-end payments processing allows converting miles and points into fraud prevention.” Company: Corduro applications and third party telco cash, loaded on a re-loadable virtual or 3:05 p.m. – 3:20 p.m. Product: Hands-Free Payments service provider connections.” plastic prepaid card.” “Most big companies want a mobile Company: OnBudget Networking Break strategy but struggle with innovation Company: Fexco & First Data 1:00 p.m. Product: OnBudget Prepaid Card around their existing investments. We Product: Mobile ATM Withdrawal Audience voting “OnBudget’s innovative prepaid card 3:20 p.m. – 4:05 p.m. Presenters: will show big companies a way to get a “The service is of interest to ATM Those attending can vote: “Technology product addresses the fastest growing The Merchant Perspective on Digital Money Maria Sparagis, President, DirectPayNet mobile payments strategy launched in networks because of the simplicity of most likely to succeed.” The winner will days vs. months.” integration. No card required. Quick and and most lucrative market segment of be announced during lunch. For merchants, Bitcoin’s appeal is twofold: The fees are much lower than for traditional payment networks, Additional Presenters to be Announced convenient for customers”. the prepaid debit card market, the middle and like cash, Bitcoin does not have chargeback risk. For merchants that want to avoid the volatility of income banked consumer segment. “ 1:00 p.m. - 2:15 p.m. Bitcoin’s exchange rate with the dollar, there are services that will take the currency risk for them, for a fee Company: Fiserv Lunch and Announcement that still beats the legacy systems. This panel will discuss the types of merchants where virtual currencies Product: Spotpay Company: Marqeta are gaining traction, and why. “The key differentiator with our Product: +M Platform of Winner solutions versus the plethora of new “Marqeta is powering a new kind of apps on the market today is that Fiserv 4:10 p.m. – 4:55 p.m. Presenters: commerce for consumers, merchants solutions keep banks at the center of and enterprises in the way business is Beyond Bitcoin – Other New Monies Chris Larsen, CEO & Co-Founder, OpenCoin the payments chain.” conducted and relationships are valued Litecoin, Ripplecoin, Opencoin, Namecoin, PPCoin, Freicoin – it seems the virtual currency space spawns a Shamoon Siddiqui, CEO & Co-Founder, Crypto in the marketplace.” new “alt coin” every day. Some of these are rivals to Bitcoin, some complement it. This session will explain Street some of the major “alternatives to the alternative” and their relative strengths and weaknesses. For the detailed agenda of Payments Innovation day see page 19. 16 Register Today! www.atmdebitprepaidforum.com | (212) 803-8456 | (212) 803-8348 17 Workshop Agenda at-a-Glance SUN | Oct 20 WORKSHOP DAY TUE | Oct 22 CONFERENCE DAY Sunday, October 20, 2013 Day 1:00 p.m. Registration Opens 7:00 a.m. Registration Opens Sponsored by 1:00 p.m. | Conference Check-in and Registration Opens Sponsored by 7:00 a.m. - 8:00 a.m. Continental Breakfast Workshops: Key Concepts Workshops: New Rules 2:00 p.m. - 4:00 p.m. Workshops A or B 8:00 a.m. - 9:45 a.m. Keynote Sessions 2:00 p.m. – 4:00 p.m. 2:00 p.m. – 4:00 p.m. Workshop A: Launching a Prepaid Program: Weighing the Workshop B: Legislative and Regulatory Developments in 4:00 p.m. - 6:00 p.m. Workshops C or D 9:45 a.m. - 10:30 a.m. Networking Break in the Exhibit Hall Risks and Rewards Payments: A 2013 Review and 2014 Preview 6:00 p.m. - 7:00 p.m. Wine and Cheese Reception 10:30 a.m. - 12:00 p.m. Keynote Sessions Regulatory changes and actions have had a noticeable chilling effect on the traditional The legislative and regulatory landscape surrounding payments is in a state of flux as program manager/BIN sponsorship card issuance model. Prepaid card processors and lawmakers grapple with privacy concerns, risk concerns and rapidly-advancing technology. 12:00 p.m. - 1:00 p.m. Networking and Industry Innovation Lunches program managers are frustrated by their inability to find BIN sponsors for new card This year is shaping up to be a pivotal year. Learn what transpired so far in 2013 and what 1:00 p.m. - 1:30 p.m. Dessert in the Exhibit Hall programs. The lack of BIN sponsors in the US is now at a crisis level. remains on the agenda as Congress tackles these issues as they simultaneously prepare for Philliou Partners recently met with regulators, issuers and program managers about this next year’s mid-term elections. 1:30 p.m. - 3:05 p.m. Concurrent Sessions crisis yielding a detailed understanding of what is required to be a BIN sponsor in this new Key Takeaways: This session will examine the state of interchange/Regulation II; the MON | Oct 21 ATM: Present and Future Mobile Opportunities Debit Dynamics environment. role of the Consumer Financial Protection Bureau; extending Regulation E protection to Prepaid on the Rise Digital Money 8:00 a.m. Registration Opens Key Takeaways: Understand the new requirements and procedures for BIN general use prepaid cards; FFIEC guidance on social media; Do Not Track and geo-location sponsorship. You’ll learn about the redefined role of a BIN sponsor and focus on legislation; mobile payments; and big data. Sponsored by 3:05 p.m. - 3:20 p.m. Networking Break operational, financial and regulatory requirements. Workshop Leaders: Dennis Ambach, Government Relations Liaison 3:20 p.m. - 4:55 p.m. Concurrent Sessions Workshop Leaders: Phil Philliou, Partner, Philliou Partners Early Warning 8:00 a.m. Continental Breakfast ATM: Present and Future Mobile Opportunities Debit Dynamics Melissa Lavery, Senior Director, Product Marketing and Strategy, Philliou Kim Ford, VP Public Affairs,Fir st Data Prepaid on the Rise Digital Money Partners 9:30 a.m. Introduction and Welcome John Hagy, Chief Legal Officer,M etabank 5:00 p.m. - 7:00 p.m. Networking Reception in the Exhibit Hall 4:00 p.m. – 6:00 p.m. 4:00 p.m. – 6:00 p.m. 9:30 a.m. - 11:00 a.m. Payments Innovation Day: Part 1 7:00 p.m. Dinner with Conference Chairman Workshop C: Crypto-what? What You Need to Know About the Workshop D: PCI Compliance: Maintaining the Security of your 11:00 a.m. - 11:30 a.m. Networking Break WED | OCT 23 CONFERENCE DAY Digital Economy and Social Media Payments Customer’s Payments Data 7:00 a.m. Registration Opens The rise of social media and the e-commerce market has led to the birth of the digital The Payment Card Industry (PCI) has established a set of standards to maintain the 11:30 a.m. - 1:00 p.m. Payments Innovation Day: Part 2 economy and massive changes in the payments arena. From Bitcoin to Amazon Coins to security of payment card information across the value chain— from merchant to ATM to Sponsored by Ripple, players big and small are entering the digital and social media space, each vying for a processor to issuer. You’ll hear about the practical requirements for banks and processors 1:00 p.m. Voting Commences piece of the lucrative payments pie. While some traditional financial services providers and and recommendations for organizations in order to safeguard payment data. 7:00 a.m. - 8:00 a.m. Continental Breakfast payments companies have already entered the market, many still view the digital economy Key Takeaways: 1:00 p.m. - 2:15 p.m. Lunch and Announcement of Winner with a combination of confusion and skepticism. 8:00 a.m. - 9:30 a.m. Cover the essentials of PCI compliance including how standards are enforced, the Keynote Session Key Takeaways: Better understand the digital economy, payment trends and virtual 2:15 p.m. - 3:15 p.m. Networking Break consequences if compliance isn’t met, enforcement and recommendations for all entities in 9:30 a.m. - 10:15 a.m. currencies, and the consumers who make social media payments. You’ll learn about the real the payments chain. Networking Break in the Exhibit Hall world value and real world threats of this budding industry. 3:30 p.m. Full Conference Commences Workshop leader: Troy Leach, CTO, PCI Council 10:15 a.m. - 12:30 p.m. Concurrent Sessions Workshop Leaders: Aleia Van Dyke, Payments Analyst, Javelin Strategy 3:30 p.m. - 5:15 p.m. Keynote and Featured Sessions ATM: Present and Future Mobile Opportunities Debit Dynamics & Research Prepaid on the Rise Dan Schatt,f ormerly with PayPal 5:15 p.m. - 7:00 p.m. Opening Reception in the Exhibit Hall 12:30 p.m. Conference Concludes 18 Register Today! www.atmdebitprepaidforum.com | (212) 803-8456 | (212) 803-8348 19 Networking and Exhibitors * As of 8/23/2013. Exhibit Hall Floor Plan Company Booth # Company Booth #

Special Events EFT Source Inc...... 100 Chetu ...... 321 The Forum is all about interaction -- with exhibitors, potential Pendum ...... 101 MagTek, Inc...... 324 business partners and old colleagues. Meet them during many of Visa Inc...... 104 Better ATM Services, Inc...... 325 these networking opportunities. Monitise ...... 108 Compass Plus ...... 329 Monday, October 21 Ingo Money, Inc...... 110 PULSE ...... 331 Nexxo Financial Datacard Group ...... 400 1:00 p.m. Lunch and Announcement of Winner Corporation ...... 112 Sargent and Greenleaf, Inc...... 402 Celebrate the “Technology the most likely to succeed.” FIS ...... 113 Elan-MoneyPass ...... 405 5:15 p.m. Welcome Reception in the Exhibit Hall Access IS ...... 114 Netspend Corporation ...... 407 We will officially welcome our attendees, speakers, exhibitors and sponsors on Monday night. Odyssey Information Diebold, Inc...... 413 Enjoy reconnecting with old friends and meeting new ones over a glass of wine. We’ll see you there! Services ...... 119 Cummins Allison ...... 418 TSYS ...... 121 Fiserv ...... 419 Tuesday, October 22 Phoenix Interactive Arroweye Solutions ...... 420 Design Inc...... 122 12:00 p.m. Networking Lunch in the Exhibit Hall R&P Group ...... 424 NCR Corporation...... 125 12:00 p.m. Industry Innovation Luncheons Bancsource ...... 425 Jumio, Inc...... 132 Hosted by Burroughs, Inc...... 427 Paragon Application FirstView ...... 428 Gain insight into the latest technology advancements. Hosted by the industry’s leading Systems ...... 133 Euronet Worldwide ...... 500 solution providers, these presentations are a great way to maximize your learning KAL ...... 200 experience. Lunch will be served. Augeo ...... 505 Cardtronics ...... 205 MT&L Card Products ...... 511 1:00 p.m. Dessert in the Exhibit Hall Nautilus Hyosung ...... 213 Strategic Resource Satisfy your sweet tooth while reviewing new products and services. Trusted Security Solutions ...... 214 Management ...... 515 5:00 p.m. Networking Reception in the Exhibit Hall MEI ...... 218 Custom Card Systems ...... 517 Unwind after the full day of learning, exchange your experiences, feedback and ideas. Vantiv ...... 219 GlobalVision Systems Inc...... 518 Reserve Perfect Plastic Printing ...... 225 7:00 p.m. Chairman’s Dinner Your Seat Western Union ...... 520 Now! RewardsNOW, Inc...... 227 Join our annual dinner with conference chairman, Tony Hayes and his Oliver Wyman partners. PSCU ...... 523 Heritage Industries ...... 301 Hear Tony’s views on the evolving ATM and payments markets, and where there are Source One Direct ...... 524 opportunities for profitable growth. Come prepared to ask questions in a collegial forum. MasterCard Worldwide ...... 305 PwC ...... 527 Ventus Wireless ...... 313 Wednesday, October 23 Clear2Pay ...... 319 9:30 a.m. Networking Break in the Exhibit Hall Fuel up for the remaining of the conference. This is your last chance to talk to our solution providers before they pack up. 20 Register Today! www.atmdebitprepaidforum.com | (212) 803-8456 | (212) 803-8348 21 Sponsors and Exhibitors * As of 8/23/2013. Registration Platinum Sponsor Register Now for Best Rates! Attendee Type Best Rates Before 9/20/13 After 9/20/13 On Site 2 Easy Ways to Register Card Issuer/ Merchant $1,395 $1,595 $1,795 Online: Credit Union $1,395 $1,595 $1,795 www.atmdebitprepaidforum.com All Others $1,595 $1,795 $1,995 Call: Gold Sponsors Pre-Conference Workshops Ingrid Olsen at (212) 803-8456 or Individual Workshop $149 $149 $149 Joe Frega at (212) 803-8348

® ® Workshop Combo $249 $249 $249 Dinner with Conference Chairman $75 $75 $75 Silver Sponsors Hotel Accommodations Bellagio 3600 Las Vegas Blvd South Bronze Sponsors Las Vegas, NV 89109 Website: bellagio.com Reserve by phone: (888) 987-6667 Attire:Business Casual Rate: Starting from $199/night + tax, plus a daily $25 resort fee (Resort fee includes in-room internet access, access to The Spa at Bellagio, Fitness Center, Airline Boarding Pass Printing in Hotel’s Business Services Center, and Local Calls and Toll Free Phone Calls.) SourceMedia has secured a block of rooms at the Bellagio for the nights of October 19-23, 2013 exclusive to conference attendees. When booking your room, please Limited sponsorship opportunities still available. be sure to reference ATM Debit & Prepaid to receive the discounted room rate. Rooms will be available on a first come first served basis—there’s no guarantee that To find out how to customize a sponsorship/exhibit package which is most appropriate for your organization, please contact Melissa Sefic at rooms will be available after the cutoff date of September 25, 2013. (212) 803-6067 or email: [email protected].

22 Register Today! www.atmdebitprepaidforum.com | (212) 803-8456 | (212) 803-8348 23 One State Street Plaza, 27th floor New York, NY 10004

One meeting place… 50+ sessions: Information on pressing issues in debit, prepaid, mobile, ATMs and digital money. 100+ speakers: Financial services innovators, newsmakers and veterans offer their invaluable expertise on navigating new regulations, new technologies and new strategies. 1100+ attendees: Exchange ideas and form business partnerships with executives from banks, merchants, networks, and payment technology innovators. ...and countless ideas to take back with you.

This year’s fresh content Explore a new payments paradigm and attend the Digital Money sessions A new crop of payments and ATM innovators roll out their latest technologies at PiD