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Successful Strategies for Delivering

NEXT-GENERATION PREPAID
            April 12–13, 2010 ■ La Costa Resort & spa ■ Carlsbad, CA

  Your Interactive Forum for Identifying Winning Strategies with
 New Prepaid Distribution Channels, Technologies and Customers

 Speakers:                                                                          FeaTurINg:
 Marilyn Bochicchio, PAyBEFORE
 Bruce Burke, IPAySTATION
 Cherie Hamblin, NBPCA
 Terry Maher, BAIRd HOlM; NBPCA
                                         Kirsten Trusko           Carman                  Brad Hanson             Marilyn              Liz Strauss
 Kevin Morrison, H&R BlOCK
                                             NBPCA                Wenkoff                    META               Bochicchio           SOCIAl MEdIA
 Michael Nebeker, BAKS COMPANy                                 IPC (SuBwAy)/               PAyMENT              PAyBEFORE             STRATEGIST
 Gary Palmer, NBPCA                                                 RGCA                   SySTEMS
 Brad Hanson, META PAyMENT
 SySTEMS                                               Connect with your peers to learn how to leverage
 Ennio Ponzetto, ECOMMlINK                               mobile payments, social networking sites and
 Andrew Popp, ZIPZAP                                      next-generation physical card innovations!
 Rebekka Rea, INNOVATIVE PREPAId         •	 Garner strategies and insights	from		                  •	 Hands-on workshops:		Step-by-step,		
 SOluTIONS                                  case	studies	by	retailers	and	other	issuers		             process-oriented	information	on	how	to	plan	
 Judie Rinearson, BRyAN CAVE;               who	have	developed	their	own	mobile &                     and	deploy	both	next-gen mobile prepaid
 NBPCA                                      next-generation	solutions                                 programs	or	methods	for	enhancing your
 Jim Rowins, FANdANGO                    •	 Proven techniques and tactics	for		                       current physical card programs
 Alan Safahi, ZIPZAP                        leveraging social networking	sites	to		                •	 Conduct meaningful discussions	with		
 Joi Sheffield, SHEFFIEld BROTHERS;         support	prepaid	product	marketing	efforts		               your	peers	in	a	small,	roundtable-driven		
 NBPCA                                      and	distribution	strategies                               forum,	without	needing	to	wade	through		
                                         •	 Hear ideas and innovations	from	both                      miles	of	exhibits,	activities	or	other	distractions
 Liz Strauss, Social web Strategist
 Jennifer Tramontana, FlETCHER              closed- and open-loop	prepaid	issuers	and	
 GROuP; NBPCA                               vendors	to	enhance	your	knowledge	of	new	
                                            market	developments	and	innovations
 Kirsten Trusko, NBPCA
 Scott Wall, AMC THEATRES
 Carman Wenkoff, IPC (SuBwAy)             Plus!                Connect with your peers to learn how to
 Trent Sorbe, META PAyMENT                                     leverage mobile payments, social networking sites
 SySTEMS                                                       and next-generation physical card innovations!

PlAtinuM	SPonSor          Gold	SPonSor                 Silver	SPonSor                       exhibitor                    ASSociAtion	&	MediA	PArtnerS




To RegisTeR:
  Call: 800-647-7600 or 781-939-2500 ■ Fax: 781-939-2543 ■ e-mail: info@worldrg.com ■ www.worldrg.com/prepaid
Successful Strategies for Delivering

                          NEXT-GENERATION PREPAID
                       April 12–13, 2010 ■ La Costa Resort & spa ■ Carlsbad, CA

                                                                                                                                                          Who ShoulD
    Dear Colleague,                                                                                                                                         aTTeND
                                                                                                                                                      The conference is designed for
    WrG	welcomes	you	to	the	Successful Strategies for Delivering Next-Generation Prepaid,	the	first	uS-based	                                         senior-level decision makers—
                                                                                                                                                        including directors, program
    conference	designed	to	serve	as	a	forum	and	roadmap	for	senior-level	prepaid	executives	looking	to	identify	the	best	
                                                                                                                                                     managers, managers and business-
    and	most	profitable	way	to	deliver	future	products,	services	and	distribution	strategies	for	open-	and	closed-loop	prepaid	                        unit leaders from the following
    financial	products.                                                                                                                                    industries and sectors:

    in	the	uS,	the	mobile	and	next-generation	payment	market	is	still	quite	nascent,	and	the	prepaid	market	is	well-                                              ■ Retailers
    positioned	to	benefit	from	a	variety	of	factors,	including	a	large,	underserved	population	that	utilizes	mobile	devices,	the	                               ■ Direct Sellers
    declining	availability	of	credit	products	for	many	consumers,	and	the	growing	acceptance	of	electronic	transactions.                                   ■ Financial Institutions

    nonetheless,	significant	hurdles	to	achieving	mass	adoption	of	mobile	prepaid	services	remain,	a	lack	of	solid	roi	among	                        ■ Non-Bank Financial institutions
    issuers,	the	absence	of	a	demand	for	a	true	“killer	mobile	application,”	and	an	uncertain	regulatory	environment.	that	                           ■ Remittance, Payday Loan, and
    said,	mobile	–	as	well	as	the	use	of	supporting	electronic	support	systems	such	as	social	networking	sites,	blogs	and	                              Cash-Advance Businesses
    email	–	are	clearly	on	the	horizon,	and	it’s	imperative	for	issuers	to	learn	how	to	integrate	and	adopt	these	systems	ahead	                           ■ Tax-Preparation Firms
    of	their	competition.                                                                                                                                 ■ Government Institutions
    this	year’s	conference	is	designed	as	an	interactive	forum	where	merchants,	financial	institutions,	issuers,	processors,	                              ■ Insurance Companies
    and	program	managers	can	meet	in	an	intimate	forum	to	discuss	how	mobile	and	next-generation	prepaid	programs	can	                                     ■ Healthcare Providers
    and	should	be	designed,	deployed	and	managed	to	ensure	rapid	adoption,	scalability	and	a	positive	return	on	investment,	                                   and Insurers
    while	keeping	a	close	eye	on	the	regulatory	and	legal	issues	affecting	all	prepaid	operators.	                                                      ■ Corporate HR and Benefits
                                                                                                                                                         Divisions of Small, Medium
    unlike	other	events,	this	forum	will	include	real-time	practical	applications	of	mobile	and	next-generation	delivery	                                  and Large Businesses
    programs,	and	an	opportunity	to	hear	directly	from	the	professionals	dealing	directly	with	the	legislators	on	capitol	hill	in	                         ■ Payments Processors
    our	legislative	impact	Forum.
                                                                                                                                                       ■ Mobile Payments Technology
    Join	me	and	more	than	200	of	your	peers	April	12-13,	2010	to	uncover	strategies	for	delivering	the	next-generation	of	                                and Service Providers
    prepaid	products	and	services.	register	today	at	tK….                                                                                                    ■ Card Associations
                                                                                                                                                            ■ Acquirers and ISOs
    Sincerely,
                                                                                                                                                                 ■ Law Firms
                                                                                                                                                        ■ Prepaid Program Managers
                                                                                                                                                                and Issuers
                                                                                                                                                             ■ Prepaid Marketers
    Keith	Kirkpatrick	
                                                                                                                                                          ■ Loyalty, Incentives and
    conference	director	                                                                                                                                    Rewards Companies
    Successful	Strategies	for	delivering	next-Generation	Prepaid
                                                                                                                                                           ■ Payments Consultants
                                                                                                                                                                and Analysts


                                                           eight great reasons To attend
    •	 connect	with	other	senior-level	prepaid	professionals	in	an	interactive,	intimate	forum	   •	 designed	as	an	integral	part	of	the	conference,	the	interactive	discussion	roundtables	
       for	in-depth	discussion	of	mobile	payments	trends,	prepaid	innovations,	and	updates	          are	woven	throughout	the	conference,	providing	more	opportunities	for	knowledge	
       on	legal	and	regulatory	changes	impacting	prepaid                                             transfer,	networking	and	relationship	building,	beyond	standard	networking	breaks
    •	 learn	how	to	deploy	next-generation	prepaid	services	by	hearing	about	the	underlying	      •	 Specialized	workshops	provide	in-depth,	process-oriented	information	on	how	to	plan	
       ‘big	picture’	issues	on	how	consumers	use	mobile,	social	networking	and	payment	              and	deploy	both	next-gen	mobile	prepaid	programs	or	enhance	your	current	physical	
       types                                                                                         card	programs
    •	 Garner	strategies	and	insights	from	case	studies	by	retailers	and	other	issuers	who	       •	 conduct	meaningful	discussions	with	your	peers	in	a	smaller	forum,	without	needing	
       have	developed	their	own	mobile	&	next-gen	solutions	                                         to	wade	through	miles	of	exhibits,	activities	or	other	distractions
    •	 learn	from	both	closed-	and	open-loop	prepaid	issuers	and	vendors	to	enhance	your	         •	 hear	the	latest	updates	and	strategies	for	managing	the	challenging	legal	and	
       knowledge	of	new	market	developments	and	innovations                                          regulatory	issues	affecting	prepaid	at	the	legislative	impact	Forum.


        To RegisTeR:
2                     Call: 800-647-7600 or 781-939-2500 ■ Fax: 781-939-2543 ■ e-mail: info@worldrg.com ■ www.worldrg.com/prepaid
advisory Board
                           WrG	would	like	to	thank	the	following	individuals	for	their	invaluable	assistance	in	the	design	and	development	of		
                                                    Successful	Strategies	for	delivering	next-Generation	Prepaid:
          Kirsten Trusko                               Kim Sobasky                                 Nathan Ehrlich                              Dan Horne
              NBPCA                                    REGIS GROuP                                 HOME dEPOT                          GlOBAl PREPAId ExCHANGE
           Steve Casco                              Carman Wenkoff                               Greg Thompson                                 Grant Rogers
           PAyBEFORE                        RETAIl GIFT CARd ASSOCIATION                        BASS PRO SHOPS                           META PAyMENT SySTEMS



                           Pre-CoNFereNCe WorkShoPS – Monday, April 12, 2010
                               8:30 AM Workshop registration • please register for Workshop A or B

                                                              Workshop A: 9:00 AM – 12:00 pM

          Understanding and Managing the Operational Challenges of Deploying Prepaid Using SMS
                                 and Other Wireless Delivery Channels
•	 Steps	for	analyzing	your	customer’s	needs,	and	how	a	mobile	solution	
   prepaid	solution	could	make	their	experience	easier,	more	efficient	and/or	
   more	robust                                                                                    Please contact Meredith Sands at Meredith@worldrg.com
                                                                                                          if you’re interested in joining this session.
•	 understanding	the	technical	capabilities	and	limitations	of	mobile	payment	
   technology
•	 Methods	for	identifying	the	proper	technology	to	utilize	when	rolling	out	
   your	program
•	 techniques	for	assessing	your	in-house	capabilities,	and	questions	to	ask	
   when	sourcing	potential	vendors
•	 best	practices	for	program	deployment,	testing,	rollouts	and	analysis,	
   including	timelines,	staff	training,	and	customer	education



                                                              Workshop B: 9:00 AM – 12:00 pM

                      Maximizing Profitability and Reach Through Next-Generation Physical Card
                                     Enhancements and Distribution Strategies
•	 interpreting	the	latest	open-	and	closed-loop	consumer	usage	data,	and	              Michael Nebeker
   analyzing	how	consumers	prefer	to	use	prepaid	cards                                  VP, Sales & Marketing
•	 Assessing	best	practices	for	innovative	card	packaging	and	designs	to	               BAKS COMPANY
   make	your	card	stand	out	
•	 techniques	for	creating	exciting	products	that	
•	 capitalizing	on	the	shift	to	“green”	cards	through	use	of	recycled	card	
   material,	environmentally	friendly	ink	and	support	of	other	green	initiatives



                                          12:00 – 1:00 Lunch for Workshop Attendees and speakers




DAy one                                                                                 1:00 – 1:45
                                                                                                                 opening Discussion
    Monday, april 12, 2010
                                                                                        Mobile and Next-Generation Prepaid: Profit Center or Pipe
                                                                                        Dream?
12:30 – 1:00
                                                                                           the	proliferation	of	iPhones,	blackberries	and	other	smart	mobile	devices	
Registration for Main Conference Opens
                                                                                        has	undeniably	changed	the	way	consumers	communicate,	receive	and	send	
                                                                                        information,	and	conduct	transactions.	but	in	prepaid,	the	delivery	of	a	truly	
12:55 – 1:00
                                                                                        mobile	solution	–-	which	goes	beyond	a	simple	account	status	message	sent	
Opening Remarks                                                                         via	SMS	or	a	contactless	payment	that	links	back	to	a	physical	prepaid	card	–	
                                                                                        could	be	years	away	from	attaining	ubiquity.


To RegisTeR:
          Call: 800-647-7600 or 781-939-2500 ■ Fax: 781-939-2543 ■ e-mail: info@worldrg.com ■ www.worldrg.com/prepaid                                                     3
technological	or	operational	hurdles	aside,	it’s	still	unclear	how	a	mobile	      Panelists:
    prepaid	application	will	meet	a	need	not	already	served	by	systems	in	place,	        Kevin Morrison
    whether	physical	cards	or	through	other	financial	services.                          AVP, Card Programs
       that’s	why	it’s	imperative	to	understand	the	wants,	needs	and	behavior	           H&R BLOCK
    trends	behind	the	consumers	of	today	and	tomorrow,	as	well	as	the	challenges	
                                                                                         Scott Wall
    that	need	to	be	met	on	the	technological	and	back-end	integration	sides	of	the	
                                                                                         VP, National Sales
    equation.
                                                                                         AMC THEATRES
       in	this	session,	you’ll	hear	insight	from	professionals	who	have	monitored	
    developments	from	both	closed-	and	open-loop	mobile	prepaid,	and	will	provide	       2:30 – 3:15
    analysis	of	current	and	future	consumer	usage	of	mobile	payment	systems,	
                                                                                                         rounDtABLe Discussion ForuMs
    channels	and	technologies,	which	you	can	use	to	create	your	own	mobile	                                  & reFreshMent BreAk
    prepaid	road	map.
                                                                                         Next Generation Prepaid
      Key	takeaways:
                                                                                           each	small-group	roundtable	will	focus	on	a	different	topic,	and	will	be	led	by	
    •	 identifying	common	purchasing	and	payment	behaviors	of	today’s	
                                                                                         an	expert	in	the	field.	A	full	list	of	roundtable	discussions	will	be	listed	on	the	
       consumers,	broken	out	by	demographic	segments,	and	how	they	could	
                                                                                         Web	at	www.worldrg.com/prepaid.	Attendees	will	have	an	opportunity	to	join	
       morph	into	mobile	prepaid	customers	over	time
                                                                                         two	different	tables	during	the	session.
    •	 Assessing	new	initiatives	and	technologies	currently	in	the	market,	and	
                                                                                         Table 1: Embracing “Green” printing and packaging solutions
       analysis	on	why	they	have	or	haven’t	been	successful	to	date
                                                                                         Michael Nebeker
    •	 Strategies	for	incorporating	new	media	and	payment	types	as	part	of	your	
                                                                                         VP, Sales & Marketing
       prepaid	strategy	for	today	and	tomorrow
                                                                                         BAKS COMPANY
    •	 Setting	realistic	projections	for	mass	adoption	of	mobile	and	next-
                                                                                         Table 2: From Cards to Codes
       generation	prepaid	systems
                                                                                         Jim Rowins
    Carman Wenkoff                                                                       Director of Promotional Sales
    Director of Electronic Card Services and President of Value Pay Services,            FANDANGO
    LLC
    IPC (SuBWAY)                                                                         Table 3: Identifying New Payment Needs of Gaming Consumers
                                                                                         Andrew Popp
    1:45 – 2:30                                                                          SVP, Business Development
                               pAneL Discussion                                          ZIPZAP
    Leveraging the Opportunities in Mobile Payments                                      Additional tables to be added; check www.worldrg.com/prepaid for
                                                                                         updates!
       With	more	than	250	million	mobile	users	representing	a	market	penetration	
    of	85%	in	the	uS,	the	wireless	market	remains	a	fertile	opportunity	for	financial	   3:15 – 4:00
    institutions,	retailers	and	corporate	users	to	extend	access	to	their	current	                                   pAneL Discussion
    prepaid	programs	and	offerings,	improve	real-time	response	to	promotions	and	
    find	new	revenue	streams	from	new	types	of	products.                                 The Convergence of Prepaid, Debit and Credit
       the	key	to	finding	and	profiting	from	these	new	types	of	mobile	services	is	to	      Prepaid	has	accounted	for	a	significantly	smaller	piece	of	the	payments	
    understand	how	mobile	users	think,	access	services	and	products	and	interact	        landscape,	compared	with	its	credit	and	ddA-based	debit	brethren.	but	the	
    with	mobile	applications.                                                            confluence	of	traditional	lenders	tightening	lending	standards	and	a	greater	
                                                                                         recognition	of	the	opportunities	among	underserved	consumers,	new	products	
      in	this	session,	you’ll	hear	market	leaders	discuss:
                                                                                         incorporating	elements	of	each	payment	type	are	coming	to	market.
    •	 current	and	future	mobile	purchasing	trends,	including	demographics	and	
                                                                                            Plus,	with	the	rise	in	reload	centers,	kiosk	distribution	and	new	distribution	
       application	type	and	the	factors	driving	these	trends
                                                                                         locations,	savvy	issuers	can	continue	to	drive	revenue	through	the	use	of	
    •	 insight	into	how	successful	mobile	applications	are	designed,	developed	          physical	cards.
       and	deployed
                                                                                         •	 Methods	for	utilizing	bundled	card	products	to	drive	incremental	sales	revenue
    •	 techniques	for	educating	customers	on	the	benefits	of	mobile	payment	
                                                                                         •	 connecting	with	customers	via	mobile	and	handheld	PoS	devices
       applications,	and	strategies	for	driving	adoption	and	frequent	usage
                                                                                         •	 improving	reach	through	satellite	distribution	centers
    •	 Managing	transaction	security,	reporting	and	compliance	issues
                                                                                         •	 Managing	staff	training	and	education	to	ensure	smooth	rollouts	and	
    •	 Steps	for	matching	the	functionality	customers	want	while	understanding	
                                                                                            excellent	customer	service	and	support
       the	limitations	of	mobile	devices	(screen	sizes,	input	methods,	software	
       incompatibility,	security,	etc.)                                                  Moderator:
    •	 identifying	ways	to	generate	incremental	revenue	through	new	channels,	           Marilyn Bochicchio
       rather	than	simply	replacing	existing	revenue	streams                             CEO
                                                                                         PAYBEFORE
    Moderator:
    Rebekka Rea                                                                          Panelists:
    President                                                                            Ennio Ponzetto
    INNOVATIVE PREPAID SOLuTIONS                                                         CEO
                                                                                         ECOMMLINK
                                                                                         Trent Sorbe
                                                                                         SVP
                                                                                         META PAYMENT SYSTEMS

        To RegisTeR:
4                    Call: 800-647-7600 or 781-939-2500 ■ Fax: 781-939-2543 ■ e-mail: info@worldrg.com ■ www.worldrg.com/prepaid
trAcks coMMence
                                 trAck A                                                                            trAck B
4:00 – 4:45                                                                      4:00 – 4:45
Case Study #A: Deploying Successful Prepaid Programs                             Case Study #2: Deploying Prepaid Programs to Reach New
from Plastic Cards Through Next-Generation Applications                          Communities: ZipZapInc.com
   this	workshop	will	take	attendees	through	the	following	elements	of	the	         this	case	study	will	take	attendees	through	the	following	elements	of	the	
process	for	migrating	a	plastic	card	program	to	incorporating	mobile	features	   process	for	designing	and	deploying	an	alternative	payment	system	aimed	at	non-
and	services.	the	case	study	will	focus	on	Fandango,	a	provider	of	movie	        traditional	communities	who	need	a	prepaid	payment	system.	the	case	study	will	
ticketing	services.                                                              focus	on	ZipZap,	a	payment	system	designed	for	online	gaming	communities.
•	 Steps	for	identifying	your	programs	goal	and	objectives,	and	ensuring	they	   •	 understanding	your	target	market’s	online	behavior	and	usage	patterns,	
   dovetail	with	your	overall	marketing	and	sales	activity                          and	barriers	to	using	traditional	financial	payment	types
•	 best	practices	for	sourcing	and	working	with	card	manufacturers,	             •	 Planning,	sourcing	and	deployment	issue	to	manage	when	dealing	in	a	
   integrators	and	distributors,	and	technology	vendors                             solely	electronic	marketplace
•	 techniques	for	launching	a	program,	gathering	user	feedback	and	making	       •	 Steps	for	launching	and	integrating	a	prepaid	payments	system	within	a	
   adjustment	to	the	program                                                        dedicated	community,	including	marketing	and	publicity	strategies
•	 Methods	for	leveraging	lessons	learned	through	physical	card	programs	        •	 techniques	for	collecting	feedback	from	users	to	refine	and	improve	the	
   and	applying	them	to	mobile	and	next-generation	distribution	platforms           usability	and	efficiency	of	prepaid	payment	systems
Jim Rowins                                                                       •	 identifying	and	minimizing	instances	of	fraudulent	activity
Director of Promotional Sales                                                    Alan Safahi
FANDANGO                                                                         CEO
                                                                                 ZIPZAP

4:45 – 5:30                                                                      4:45 – 5:30
Leveraging Remittance Networks and Mobile Phone                                  Finding Your Blue Ocean: Revenue Opportunities Beyond US
technology to Deliver Mobile Money Transfer Services                             Borders
  transferring	funds	from	person	to	person	is	one	application	where	utilizing	      regardless	of	whether	you’re	running	an	open-	or	closed-loop	prepaid	
mobile	phones	dovetails	nicely	with	the	convenience	and	speed	requirements	of	   program,	government	regulation	is	and	will	continue	to	impact	the	operations	
customers	who	send	money	to	other	people	on	a	regular	basis.                     and	profitability	of	uS-based	programs.	that’s	why	savvy	companies	porting	
•	 opportunities	from	uS	to	other	countries	around	the	world                     their	prepaid	program	expertise	beyond	uS	borders,	where	regulations	are	less	
                                                                                 onerous	and	opportunities	abound.
•	 domestic	opportunities	with	P2P	payments
                                                                                   in	this	session,	you’ll	hear	discussion	on:
•	 technical	considerations	and	challenges
                                                                                 •	 Strategies	for	identifying	the	most	appropriate	types	of	programs	that	can	
•	 Analyzing	Fincen’s	position	on	whether	mobile	money	transfer	vendors	
                                                                                    deployed	in	foreign	markets
   must	register	as	MSbs	and	comply	with	related	guidance	for	AMl	
   regulations                                                                   •	 insight	into	the	most	“prepaid	friendly”	countries	and	key	international	
                                                                                    companies	involved	in	prepaid
Bruce Burke
                                                                                 •	 Methods	for	working	with	local	partners	and	other	international	vendors
Director of Business Development
IPAYSTATION                                                                      •	 Steps	for	conducting	operational,	technical,	legal	and	business	“needs	
                                                                                    assessments”	for	launching	an	international	prepaid	program
                                                                                 Ennio Ponzetto
                                                                                 CEO
                                                                                 ECOMMLINK

5:30                                                                             5:30
End of Day 1                                                                     End of Day 1

DAy Two                                                                            As	a	result,	there’s	a	large	opportunity	to	use	these	sites	to	support,	market	and	
                                                                                 even	sell	prepaid	products	and	services,	from	both	a	b2c	and	a	b2b	perspective.
    Tuesday, april 13, 2010
                                                                                   Key	takeaways:
                                                                                 •	 insight	into	how	these	social	networking	sites	attract	users,	and	entice	
8:30 – 9:00
                                                                                    users	to	return	on	a	regular	basis
Morning Coffee
                                                                                 •	 Key	features	of	the	sites	that	can	be	leveraged	by	marketing	and	sales	
9:00 – 9:45                                                                         applications
Harnessing the Reach and Ubiquity of Social Media                                •	 Pitfalls	to	avoid	when	reaching	out	to	members
   Social	media	sites	such	as	Facebook,	linkedin	and	twitter	have	rapidly	       •	 best	practices	for	crafting	applications	that	seamlessly	integrate	the	look,	
gained	traction	among	consumers	of	nearly	all	types:	young	and	old;	male	           feel	and	experience	of	each	site	to	maximize	usage
and	female;	and	student	and	professional.	these	sites	are	extremely	“sticky,’	   Liz Strauss
and	feature	a	loyal	user	base	that	not	only	keeps	coming	back,	but	often	        Social Web Strategist
proselytizes	others	to	join.                                                     Founder of SOBCON & SuCCESSFuL BLOG

To RegisTeR:
         Call: 800-647-7600 or 781-939-2500 ■ Fax: 781-939-2543 ■ e-mail: info@worldrg.com ■ www.worldrg.com/prepaid                                                     5
9:45 – 10:30                                                                         11:30 – 12:45
    What is Wealth? The Value of a Dollar                                                                                 session 1
        how	do	we	measure	the	value	of	a	dollar?	is	it	measured	by	the	amount	           Capitol Hill, Legislation and Regulation
    it	can	buy	or	by	the	impact	it	can	have	on	people’s	lives?	this	presentation	        •	 understanding	how	the	prepaid	industry	has	been	impacted	by	legislation	
    will	discuss	the	relative	value	of	a	dollar	and	how	emerging	payment	options	           and	where	future	regulation	of	prepaid	industry	is	headed
    can	create	wealth	in	underdeveloped	economies	by	the	efficient	movement	of	
    money.                                                                               •	 Strategies	industry	professionals	and	groups	can	take	to	impact	decisions	
                                                                                            made	on	capitol	hill
    Brad Hanson
                                                                                         •	 Assessing	the	operational	and	technological	implications	of	legislation	and	
    President
                                                                                            regulation	on	prepaid
    META PAYMENT SYSTEMS
                                                                                         •	 Media,	grassroots	initiatives	and	third-party	activities:	understanding	how	
    10:30 – 11:00                                                                           these	groups	fit	into	the	prepaid	industry	puzzle
    Networking & Refreshment Break
                                                                                         12:45 – 1:30
    11:00 – 5:30                                                                         Lunch for Conference Attendees & Speakers
           Wrg & the netWork BrAnDeD prepAiD cArD                                        1:30 – 3:45
                     AssociAtion present
                                                                                                                          session 2
           The 2010 LegisLaTive impacT Forum
                                                                                         Tactics for Managing Regulatory Changes
       the	prepaid	industry	has	received	significant	attention	over	the	past	
    year,	with	several	bills	introduced	in	2009	that	included	a	focus	on	prepaid,	       •	 Steps	for	managing	new	Anti-Money	laundering	regulations,	particularly	
    including	the	Fair	card	Gift	Act,	the	credit	card	Accountability,	responsibility,	      the	classification	of	prepaid	cards	as	monetary	instruments
    and	disclosure	Act	of	2009,	and	the	formation	of	the	consumer	Financial	             •	 Analysis	of	the	impact	of	new	consumer	protection	laws,	including	the	
    Protection	Agency.	in	this	Forum	presented	by	WrG	and	the	nbPcA,	you’ll	hear	           Federal	cArd	Act	and	related	regulations,	as	well	as:
    insight	from	nbPcA	and	industry	professionals	who	are	working	directly	with	           o	overdraft	laws	and	regulations
    legislators	on	capitol	hill.
                                                                                           o	State	regulations	related	to	prepaid	cards
      this	interactive	forum	will	cover	the	following	topics,	as	well	as	other	
                                                                                           o	regulation	e	provisions,	as	applied	to	prepaid
    developments	that	occur	between	now	and	the	date	of	the	conference.
                                                                                         •	 understanding	federal	preemption	and	its	relation	to	state	law	provisions
    Leaders:
                                                                                         •	 Making	sense	of	the	cFPA	and	the	new	structure	for	financial	services	
    Judie Rinearson
                                                                                            regulation,	including	new	rules	for	deposit-taking
    Partner
    BRYAN CAVE                                                                           •	 Analyzing	the	current	state	of	state	money	transmitter	licensing,	including	
    Co-Chair Government Relations                                                           the	stepped-up	licensure	enforcement	and	the	preemption	of	Federal	laws
    NBPCA                                                                                •	 Managing	abandoned	property/escheatment	laws,	including	the	impact	of	
                                                                                            the	recent	Young	America	rebate	litigation
    Terry Maher
    Partner                                                                              •	 tactics	for	managing	legal	issues	with	reward	cards,	hSA	and	FSA	cards,	
    BAIRD HOLM                                                                              government	benefit	cards,	and	the	marketing	of	prepaid	cards	to	minors
    General Counsel
    NBPCA                                                                                3:45 – 4:00
                                                                                         Networking & Refreshment Break
    Joi Sheffield
    SHEFFIELD BROTHERS                                                                   4:00 – 5:30
    Director Legislative Activities
                                                                                                                          session 3
    NBPCA
                                                                                         International Laws, Interchange, Privacy Rules, and Future
    Kirsten Trusko
                                                                                         Outlook
    President
    NBPCA                                                                                •	 techniques	for	dealing	with	international	laws	and	regulations,	including	
                                                                                            new	e-Money	laws	in	the	eu,	canadian	laws,	and	developments	in	Asia	and	
    Jennifer Tramontana                                                                     South	America
    FLETCHER GROuP
                                                                                         •	 updates	on	interchange	legislation,	data	security,	and	privacy	rules	and	
    Director, Media and PR
                                                                                            regulatory	activity
    NBPCA
                                                                                         •	 top	10	items	to	watch	for	prepaid	in	2010	and	beyond
    Cherie Hamblin
    Co-Chair Government Relations                                                        5:30
    NBPCA
                                                                                         Conference Concludes
    Gary Palmer
    Chair
    NBPCA




        To RegisTeR:
6                    Call: 800-647-7600 or 781-939-2500 ■ Fax: 781-939-2543 ■ e-mail: info@worldrg.com ■ www.worldrg.com/prepaid
SPoNSorS aND exhIBITorS
PLATINuM SPONSOR                                                    GOLD SPONSOR                                                      SILVER SPONSOR
              Meta	Payment	Systems	sponsors,	                                       discover	network,	a	business	unit	of	                                     ecommlink	enables	program	
              designs	and	delivers	innovative	                                      discover	Financial	Services,	is	a	                                        managers	and	financial	
              payment	solutions	that	bring	money	to	                                comprehensive	and	secure	payments	                institutions	to	maximize	revenue	from	their	prepaid	
              liFe.	our	team	of	experts,	the	most	                  network	that	connects	to	millions	of	merchants	                   debit	programs.		the	company’s	flexible	prepaid	
              experienced	of	any	prepaid	issuer,	has	               throughout	the	u.S.,	canada,	Mexico,	central	                     processing	platform,	innovative	features	and	industry	
the	creativity	and	insight	to	help	clients	grow	their	              America	and	the	caribbean.	discover	markets	and	                  experience	allow	clients	to	create	customized	
businesses	and	create	long-term	success	in	prepaid.	                supports	a	full	range	of	credit,	debit,	and	prepaid	              prepaid	programs	for	their	specific	markets	while	
together	with	our	vast	knowledge	of	the	industry,	                  products	and	provides	customer-centric	tools	                     ensuring	quality,	security	and	time	to	market.	
unrivaled	regulatory	expertise	and	unmatched	                       designed	to	drive	loyalty	and	increase	transaction	
partner	relationships,	we	serve	as	a	valuable	                      volume.
                                                                                                                                      ExHIBITOR
extension	of	our	partners’	organizations.	the	result:	
we	deliver	results-driven,	consumer-focused	
innovation	with	superior	time-to-market.


                                                                               MeDIa ParTNerS
                  Paybefore’s	360-degree	coverage	of	prepaid	and	stored	value	card	                             the	network	branded	Prepaid	card	Association	(nbPcA)	is	a	nonprofit,	
                  issues	gives	industry	professionals	the	news,	analysis	and	                                   inter-industry	trade	association	that	supports	the	growth	and	success	of	
perspectives	they	need	to	make	solid,	informed	decisions	to	help	their	businesses	grow	                         network	branded	prepaid	cards	and	represents	the	common	interests	of	
and	prosper.                                                                                        the	many	players	in	this	new	and	rapidly	growing	payment	category.	the	nbPcA’s	
Paybefore	delivers	content	through	a	number	of	properties	(Paybefore.com,	Paybefore	                members	include	financial	institutions,	card	organizations,	processors,	program	
news,	Paybefore	news	international,	Paybefore	update,	Paybefore	legal,	Paybefore	                   managers,	marketing	and	incentive	companies,	card	distributors	and	law	firms.	the	
Magazine,	and	the	Paybefore	buyer’s	Guide).	Subscribe	today	at	http://www.paybefore.                nbPcA’s	Working	Groups	drive	the	activities	of	the	Association	for	its	more	than	42	
com/subscribe/                                                                                      members.	For	additional	information,	visit	www.nbPcA.org.



                                                                     PARTNERshIP OPPORTuNITIEs
   industry-specific	events	help	80%	of	b2b	marketers	reach	decision	makers,	                          •	 becoming	part	of	the	decision	making	to	enhance	the	conference/seminar	
   generate	qualified	leads,	and	build	brand	awareness.	According	to	American	                            program	experience
   business	Media,	b2b	events	are	ranked	#1	for	helping	business	decision	makers	                      •	 consulting	as	their	editorial	content	advisor
   find	out	about	new	products	and	services.                                                           •	 creating	an	experience	that	matches	the	client’s	goals	to	the	market’s	needs
   At	WrG,	we	spend	our	time	understanding	the	business	needs	of	the	primary	                          •	 coming	away	with	leads	and	a	positive	roi
   market.	our	conferences	and	seminars	are	designed	to	ensure	the	delivery	of	the	
                                                                                                     Specific	partnership	opportunities	with	WrG	depend	on	how	we	can	best	meet	the	
   most	pertinent	and	timely	content	on	new	product	and	services.	that’s	why	95%	of	
                                                                                                     needs	of	the	individual	client.	We	work	closely	with	clients	to	create	a	worthwhile	
   companies	attending	WrG	programs	make	a	point	of	returning.
                                                                                                     investment.	examples	of	participation	from	solution	providers	include,	but	are	not	
   We view solution providers as partners and assist them in:                                        limited	to:
     •	 being	more	effective	in	reaching	the	target	audience	before,	at	and	after	the	                           on-site	service	demos		•		topic	matter	expertise		•		exhibiting	
        face-to-face	experience                                                                               reception/luncheon/breakfast	sponsorship		•		compendium	sponsor	
     •	 Gaining	direct	and	personal	access	to	potential	clients                                            Specialized	track	hosts		•		discussion	group	leaders		•		topic	moderators
     •	 Maximizing	the	investment	in	making	connections	and	developing	relationships                 For	more	information	on	WrG	partnership	opportunities,	please	contact		
     •	 organizing	face-to-face	meetings                                                             Meredith Sands at 646-723-8056 or Meredith@worldrg.com.


                                                                        REGIsTRATION INfORmATION
                                                                                                PAYMENT POLICY/SuBSTITuTIONS/CANCELLATIONS:	registration	fees	must	be	paid	by	xxx,	
   HR / Benefits Executives,              Register By       Register By      Register By
   Consumer Banking, Retailer             02/05/2010        02/26/2010       04/12/2010         2010.	Your	registration	may	be	transferred	to	a	member	of	your	organization	up	to	24	hours	
                                                                                                in	advance	of	the	conference.	All	cancellations	received	on	or	before	xxx,	2010	will	be	subject	
   Conference                               $ 795.00         $ 895.00         $ 1095.00         to	a	$295	administrative	charge.	We	regret	that	no	refund	for	cancellations	will	be	made	after	
   Conference + 1 Workshop                  $ 995.00         $ 1095.00        $ 1295.00         this	date.	in	case	of	conference	cancellation,	World	research	Group’s	liability	is	limited	to	
                                          Register By       Register By      Register By        refund	of	the	conference	registration	fee	only.	World	research	Group	reserves	the	right	to	alter	
   Standard                                                                                     this	program	without	prior	notice.	All	cancellations	must	be	submitted	in	writing	on	or	before	
                                          02/05/2010        02/26/2010       04/12/2010
                                                                                                14	days	prior	to	the	conference	date	in	order	to	receive	a	refund,	minus	cancellation	fee.
   Conference                              $ 1295.00         $ 1395.00        $ 1595.00
                                                                                                CONFERENCE VENuE:	
   Conference + 1 Workshop                 $ 1595.00        $ 1695.00        $ 1895.00          la	costa	resort	and	Spa	
  Fee	includes	morning	coffee,	lunch,	refreshments,	and	conference	documentation.		             2100	costa	del	Mar	road	
  Please	make	checks	payable	to	WrG	research,	inc.                                              carlsbad,	cA	92009	
                                                                                                Phone:	800-854-5000
  TEAM DISCOuNT:	register	3	team	members	from	the	same	organization	at	the	same	
  time	and	the	4th	team	member	attends	Free!	(valid	only	at	regular	registration	rate.)         PRESS PERMISSION: Press	permission	must	be	obtained	prior	to	the	event	and	is	dependent	
                                                                                                upon	the	speakers’	approval.	the	press	may	not	quote	speakers	or	delegates	unless	they	
  SATISFACTION GuARANTEED:	World	research	Group	stands	behind	the	quality	of	its	
                                                                                                have	obtained	their	approval	in	writing.	Press	passes	do	not	include	admittance	to	pre-event	
  conferences.	if	you	are	not	satisfied	with	the	quality	of	the	conference,	a	credit	will	be	
                                                                                                workshops.
  awarded	towards	a	comparable	World	research	Group	conference	of	your	choice.
                                                                                                	

To RegisTeR:
              Call: 800-647-7600 or 781-939-2500 ■ Fax: 781-939-2543 ■ e-mail: info@worldrg.com ■ www.worldrg.com/prepaid                                                                           7
WRG Research, Inc.                                               Attention	MAilrooM:	if	undeliverable	to	addressee,	this	
         500 West Cummings Park, STE 5400                                 important	time-sensitive	information	should	be	forwarded	to		                     PRSRT STD
         Woburn, MA 01801                                                 your	Marketing Director.                                                         u.S. POSTAGE
                                                                                                                                                                PAID
10006                                                                     Please	do	not	remove	label                                                        SALEM, NH
                                                                                                                                                           PERMIT #151



   Connect with your peers to learn how
    to leverage mobile payments, social
   networking sites and next-generation
          physical card innovations!
•	 Garner strategies and insights	from	case	studies	by	retailers	
   and	other	issuers	who	have	developed	their	own	mobile &
   next-generation	solutions
•	 Proven techniques and tactics	for	leveraging social
   networking	sites	to	support	prepaid	product	marketing	efforts	
   and	distribution	strategies
•	 Hear ideas and innovations	from	both closed- and open-
   loop	prepaid	issuers	and	vendors	to	enhance	your	knowledge	
   of	new	market	developments	and	innovations
•	 Hands-on workshops:		Step-by-step,	process-oriented	
   information	on	how	to	plan	and	deploy	both	next-gen mobile             4 Easy Ways to Register
   prepaid programs	or	methods	for	enhancing your current
   physical card programs
•	 Conduct meaningful discussions	with	your	peers	in	a	small,	                     WEBSITE                  PHONE                E-MAIL               MAIL
                                                                          www.worldrg.com         800-647-7600         info@worldrg.com     WRG Research, Inc.
   roundtable-driven	forum,	without	needing	to	wade	through	                                      781-939-2500                              500 West Cummings Park
   miles	of	exhibits,	activities	or	other	distractions                                            outside	the	u.S.                          STE 5400
                                                                                                                                            Woburn, MA 01801
                                                                                                                                            (registrations	and	Payments	only)




                 Successful Strategies for Delivering
NEXT-GENERATION PREPAID
           April 12–13, 2010 ■ La Costa Resort & spa ■ Carlsbad, CA
           Your Interactive Forum for Identifying Winning Strategies with
          New Prepaid Distribution Channels, Technologies and Customers

                             SPeakerS:                                                                               FeaTurINg:
Marilyn Bochicchio,       Brad Hanson, META          Alan Safahi, ZIPZAP
PAyBEFORE                 PAyMENT SySTEMS            Liz Strauss, Social web
Bruce Burke,              Ennio Ponzetto,            Strategist
IPAySTATION               ECOMMlINK                  Jennifer Tramontana,            Kirsten            Carman          Brad Hanson         Marilyn          Liz Strauss
Cherie Hamblin, NBPCA     Andrew Popp, ZIPZAP        FlETCHER GROuP;                 Trusko            Wenkoff             META           Bochicchio           SOCIAl
Terry Maher, BAIRd        Rebekka Rea,               NBPCA                           NBPCA                IPC            PAyMENT          PAyBEFORE            MEdIA
HOlM; NBPCA               INNOVATIVE PREPAId         Kirsten Trusko, NBPCA                            (SuBwAy)/          SySTEMS                            STRATEGIST
Kevin Morrison, H&R       SOluTIONS                  Scott Wall, AMC                                     RGCA
BlOCK                     Judie Rinearson, BRyAN     THEATRES
Michael Nebeker, BAKS
COMPANy
                          CAVE; NBPCA
                          Jim Rowins, FANdANGO
                                                     Carman Wenkoff, IPC
                                                     (SuBwAy)
                                                                                    Plus!
                                                                                                Connect with your peers to learn how to
Gary Palmer, NBPCA        Joi Sheffield, SHEFFIEld   Trent Sorbe, META                          leverage mobile payments, social networking sites
                          BROTHERS; NBPCA            PAyMENT SySTEMS                            and next-generation physical card innovations!

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Next Generation Prepaid April 12 13 Carlsbad, CA

  • 1. Successful Strategies for Delivering NEXT-GENERATION PREPAID April 12–13, 2010 ■ La Costa Resort & spa ■ Carlsbad, CA Your Interactive Forum for Identifying Winning Strategies with New Prepaid Distribution Channels, Technologies and Customers Speakers: FeaTurINg: Marilyn Bochicchio, PAyBEFORE Bruce Burke, IPAySTATION Cherie Hamblin, NBPCA Terry Maher, BAIRd HOlM; NBPCA Kirsten Trusko Carman Brad Hanson Marilyn Liz Strauss Kevin Morrison, H&R BlOCK NBPCA Wenkoff META Bochicchio SOCIAl MEdIA Michael Nebeker, BAKS COMPANy IPC (SuBwAy)/ PAyMENT PAyBEFORE STRATEGIST Gary Palmer, NBPCA RGCA SySTEMS Brad Hanson, META PAyMENT SySTEMS Connect with your peers to learn how to leverage Ennio Ponzetto, ECOMMlINK mobile payments, social networking sites and Andrew Popp, ZIPZAP next-generation physical card innovations! Rebekka Rea, INNOVATIVE PREPAId • Garner strategies and insights from • Hands-on workshops: Step-by-step, SOluTIONS case studies by retailers and other issuers process-oriented information on how to plan Judie Rinearson, BRyAN CAVE; who have developed their own mobile & and deploy both next-gen mobile prepaid NBPCA next-generation solutions programs or methods for enhancing your Jim Rowins, FANdANGO • Proven techniques and tactics for current physical card programs Alan Safahi, ZIPZAP leveraging social networking sites to • Conduct meaningful discussions with Joi Sheffield, SHEFFIEld BROTHERS; support prepaid product marketing efforts your peers in a small, roundtable-driven NBPCA and distribution strategies forum, without needing to wade through • Hear ideas and innovations from both miles of exhibits, activities or other distractions Liz Strauss, Social web Strategist Jennifer Tramontana, FlETCHER closed- and open-loop prepaid issuers and GROuP; NBPCA vendors to enhance your knowledge of new market developments and innovations Kirsten Trusko, NBPCA Scott Wall, AMC THEATRES Carman Wenkoff, IPC (SuBwAy) Plus! Connect with your peers to learn how to Trent Sorbe, META PAyMENT leverage mobile payments, social networking sites SySTEMS and next-generation physical card innovations! PlAtinuM SPonSor Gold SPonSor Silver SPonSor exhibitor ASSociAtion & MediA PArtnerS To RegisTeR: Call: 800-647-7600 or 781-939-2500 ■ Fax: 781-939-2543 ■ e-mail: info@worldrg.com ■ www.worldrg.com/prepaid
  • 2. Successful Strategies for Delivering NEXT-GENERATION PREPAID April 12–13, 2010 ■ La Costa Resort & spa ■ Carlsbad, CA Who ShoulD Dear Colleague, aTTeND The conference is designed for WrG welcomes you to the Successful Strategies for Delivering Next-Generation Prepaid, the first uS-based senior-level decision makers— including directors, program conference designed to serve as a forum and roadmap for senior-level prepaid executives looking to identify the best managers, managers and business- and most profitable way to deliver future products, services and distribution strategies for open- and closed-loop prepaid unit leaders from the following financial products. industries and sectors: in the uS, the mobile and next-generation payment market is still quite nascent, and the prepaid market is well- ■ Retailers positioned to benefit from a variety of factors, including a large, underserved population that utilizes mobile devices, the ■ Direct Sellers declining availability of credit products for many consumers, and the growing acceptance of electronic transactions. ■ Financial Institutions nonetheless, significant hurdles to achieving mass adoption of mobile prepaid services remain, a lack of solid roi among ■ Non-Bank Financial institutions issuers, the absence of a demand for a true “killer mobile application,” and an uncertain regulatory environment. that ■ Remittance, Payday Loan, and said, mobile – as well as the use of supporting electronic support systems such as social networking sites, blogs and Cash-Advance Businesses email – are clearly on the horizon, and it’s imperative for issuers to learn how to integrate and adopt these systems ahead ■ Tax-Preparation Firms of their competition. ■ Government Institutions this year’s conference is designed as an interactive forum where merchants, financial institutions, issuers, processors, ■ Insurance Companies and program managers can meet in an intimate forum to discuss how mobile and next-generation prepaid programs can ■ Healthcare Providers and should be designed, deployed and managed to ensure rapid adoption, scalability and a positive return on investment, and Insurers while keeping a close eye on the regulatory and legal issues affecting all prepaid operators. ■ Corporate HR and Benefits Divisions of Small, Medium unlike other events, this forum will include real-time practical applications of mobile and next-generation delivery and Large Businesses programs, and an opportunity to hear directly from the professionals dealing directly with the legislators on capitol hill in ■ Payments Processors our legislative impact Forum. ■ Mobile Payments Technology Join me and more than 200 of your peers April 12-13, 2010 to uncover strategies for delivering the next-generation of and Service Providers prepaid products and services. register today at tK…. ■ Card Associations ■ Acquirers and ISOs Sincerely, ■ Law Firms ■ Prepaid Program Managers and Issuers ■ Prepaid Marketers Keith Kirkpatrick ■ Loyalty, Incentives and conference director Rewards Companies Successful Strategies for delivering next-Generation Prepaid ■ Payments Consultants and Analysts eight great reasons To attend • connect with other senior-level prepaid professionals in an interactive, intimate forum • designed as an integral part of the conference, the interactive discussion roundtables for in-depth discussion of mobile payments trends, prepaid innovations, and updates are woven throughout the conference, providing more opportunities for knowledge on legal and regulatory changes impacting prepaid transfer, networking and relationship building, beyond standard networking breaks • learn how to deploy next-generation prepaid services by hearing about the underlying • Specialized workshops provide in-depth, process-oriented information on how to plan ‘big picture’ issues on how consumers use mobile, social networking and payment and deploy both next-gen mobile prepaid programs or enhance your current physical types card programs • Garner strategies and insights from case studies by retailers and other issuers who • conduct meaningful discussions with your peers in a smaller forum, without needing have developed their own mobile & next-gen solutions to wade through miles of exhibits, activities or other distractions • learn from both closed- and open-loop prepaid issuers and vendors to enhance your • hear the latest updates and strategies for managing the challenging legal and knowledge of new market developments and innovations regulatory issues affecting prepaid at the legislative impact Forum. To RegisTeR: 2 Call: 800-647-7600 or 781-939-2500 ■ Fax: 781-939-2543 ■ e-mail: info@worldrg.com ■ www.worldrg.com/prepaid
  • 3. advisory Board WrG would like to thank the following individuals for their invaluable assistance in the design and development of Successful Strategies for delivering next-Generation Prepaid: Kirsten Trusko Kim Sobasky Nathan Ehrlich Dan Horne NBPCA REGIS GROuP HOME dEPOT GlOBAl PREPAId ExCHANGE Steve Casco Carman Wenkoff Greg Thompson Grant Rogers PAyBEFORE RETAIl GIFT CARd ASSOCIATION BASS PRO SHOPS META PAyMENT SySTEMS Pre-CoNFereNCe WorkShoPS – Monday, April 12, 2010 8:30 AM Workshop registration • please register for Workshop A or B Workshop A: 9:00 AM – 12:00 pM Understanding and Managing the Operational Challenges of Deploying Prepaid Using SMS and Other Wireless Delivery Channels • Steps for analyzing your customer’s needs, and how a mobile solution prepaid solution could make their experience easier, more efficient and/or more robust Please contact Meredith Sands at Meredith@worldrg.com if you’re interested in joining this session. • understanding the technical capabilities and limitations of mobile payment technology • Methods for identifying the proper technology to utilize when rolling out your program • techniques for assessing your in-house capabilities, and questions to ask when sourcing potential vendors • best practices for program deployment, testing, rollouts and analysis, including timelines, staff training, and customer education Workshop B: 9:00 AM – 12:00 pM Maximizing Profitability and Reach Through Next-Generation Physical Card Enhancements and Distribution Strategies • interpreting the latest open- and closed-loop consumer usage data, and Michael Nebeker analyzing how consumers prefer to use prepaid cards VP, Sales & Marketing • Assessing best practices for innovative card packaging and designs to BAKS COMPANY make your card stand out • techniques for creating exciting products that • capitalizing on the shift to “green” cards through use of recycled card material, environmentally friendly ink and support of other green initiatives 12:00 – 1:00 Lunch for Workshop Attendees and speakers DAy one 1:00 – 1:45 opening Discussion Monday, april 12, 2010 Mobile and Next-Generation Prepaid: Profit Center or Pipe Dream? 12:30 – 1:00 the proliferation of iPhones, blackberries and other smart mobile devices Registration for Main Conference Opens has undeniably changed the way consumers communicate, receive and send information, and conduct transactions. but in prepaid, the delivery of a truly 12:55 – 1:00 mobile solution –- which goes beyond a simple account status message sent Opening Remarks via SMS or a contactless payment that links back to a physical prepaid card – could be years away from attaining ubiquity. To RegisTeR: Call: 800-647-7600 or 781-939-2500 ■ Fax: 781-939-2543 ■ e-mail: info@worldrg.com ■ www.worldrg.com/prepaid 3
  • 4. technological or operational hurdles aside, it’s still unclear how a mobile Panelists: prepaid application will meet a need not already served by systems in place, Kevin Morrison whether physical cards or through other financial services. AVP, Card Programs that’s why it’s imperative to understand the wants, needs and behavior H&R BLOCK trends behind the consumers of today and tomorrow, as well as the challenges Scott Wall that need to be met on the technological and back-end integration sides of the VP, National Sales equation. AMC THEATRES in this session, you’ll hear insight from professionals who have monitored developments from both closed- and open-loop mobile prepaid, and will provide 2:30 – 3:15 analysis of current and future consumer usage of mobile payment systems, rounDtABLe Discussion ForuMs channels and technologies, which you can use to create your own mobile & reFreshMent BreAk prepaid road map. Next Generation Prepaid Key takeaways: each small-group roundtable will focus on a different topic, and will be led by • identifying common purchasing and payment behaviors of today’s an expert in the field. A full list of roundtable discussions will be listed on the consumers, broken out by demographic segments, and how they could Web at www.worldrg.com/prepaid. Attendees will have an opportunity to join morph into mobile prepaid customers over time two different tables during the session. • Assessing new initiatives and technologies currently in the market, and Table 1: Embracing “Green” printing and packaging solutions analysis on why they have or haven’t been successful to date Michael Nebeker • Strategies for incorporating new media and payment types as part of your VP, Sales & Marketing prepaid strategy for today and tomorrow BAKS COMPANY • Setting realistic projections for mass adoption of mobile and next- Table 2: From Cards to Codes generation prepaid systems Jim Rowins Carman Wenkoff Director of Promotional Sales Director of Electronic Card Services and President of Value Pay Services, FANDANGO LLC IPC (SuBWAY) Table 3: Identifying New Payment Needs of Gaming Consumers Andrew Popp 1:45 – 2:30 SVP, Business Development pAneL Discussion ZIPZAP Leveraging the Opportunities in Mobile Payments Additional tables to be added; check www.worldrg.com/prepaid for updates! With more than 250 million mobile users representing a market penetration of 85% in the uS, the wireless market remains a fertile opportunity for financial 3:15 – 4:00 institutions, retailers and corporate users to extend access to their current pAneL Discussion prepaid programs and offerings, improve real-time response to promotions and find new revenue streams from new types of products. The Convergence of Prepaid, Debit and Credit the key to finding and profiting from these new types of mobile services is to Prepaid has accounted for a significantly smaller piece of the payments understand how mobile users think, access services and products and interact landscape, compared with its credit and ddA-based debit brethren. but the with mobile applications. confluence of traditional lenders tightening lending standards and a greater recognition of the opportunities among underserved consumers, new products in this session, you’ll hear market leaders discuss: incorporating elements of each payment type are coming to market. • current and future mobile purchasing trends, including demographics and Plus, with the rise in reload centers, kiosk distribution and new distribution application type and the factors driving these trends locations, savvy issuers can continue to drive revenue through the use of • insight into how successful mobile applications are designed, developed physical cards. and deployed • Methods for utilizing bundled card products to drive incremental sales revenue • techniques for educating customers on the benefits of mobile payment • connecting with customers via mobile and handheld PoS devices applications, and strategies for driving adoption and frequent usage • improving reach through satellite distribution centers • Managing transaction security, reporting and compliance issues • Managing staff training and education to ensure smooth rollouts and • Steps for matching the functionality customers want while understanding excellent customer service and support the limitations of mobile devices (screen sizes, input methods, software incompatibility, security, etc.) Moderator: • identifying ways to generate incremental revenue through new channels, Marilyn Bochicchio rather than simply replacing existing revenue streams CEO PAYBEFORE Moderator: Rebekka Rea Panelists: President Ennio Ponzetto INNOVATIVE PREPAID SOLuTIONS CEO ECOMMLINK Trent Sorbe SVP META PAYMENT SYSTEMS To RegisTeR: 4 Call: 800-647-7600 or 781-939-2500 ■ Fax: 781-939-2543 ■ e-mail: info@worldrg.com ■ www.worldrg.com/prepaid
  • 5. trAcks coMMence trAck A trAck B 4:00 – 4:45 4:00 – 4:45 Case Study #A: Deploying Successful Prepaid Programs Case Study #2: Deploying Prepaid Programs to Reach New from Plastic Cards Through Next-Generation Applications Communities: ZipZapInc.com this workshop will take attendees through the following elements of the this case study will take attendees through the following elements of the process for migrating a plastic card program to incorporating mobile features process for designing and deploying an alternative payment system aimed at non- and services. the case study will focus on Fandango, a provider of movie traditional communities who need a prepaid payment system. the case study will ticketing services. focus on ZipZap, a payment system designed for online gaming communities. • Steps for identifying your programs goal and objectives, and ensuring they • understanding your target market’s online behavior and usage patterns, dovetail with your overall marketing and sales activity and barriers to using traditional financial payment types • best practices for sourcing and working with card manufacturers, • Planning, sourcing and deployment issue to manage when dealing in a integrators and distributors, and technology vendors solely electronic marketplace • techniques for launching a program, gathering user feedback and making • Steps for launching and integrating a prepaid payments system within a adjustment to the program dedicated community, including marketing and publicity strategies • Methods for leveraging lessons learned through physical card programs • techniques for collecting feedback from users to refine and improve the and applying them to mobile and next-generation distribution platforms usability and efficiency of prepaid payment systems Jim Rowins • identifying and minimizing instances of fraudulent activity Director of Promotional Sales Alan Safahi FANDANGO CEO ZIPZAP 4:45 – 5:30 4:45 – 5:30 Leveraging Remittance Networks and Mobile Phone Finding Your Blue Ocean: Revenue Opportunities Beyond US technology to Deliver Mobile Money Transfer Services Borders transferring funds from person to person is one application where utilizing regardless of whether you’re running an open- or closed-loop prepaid mobile phones dovetails nicely with the convenience and speed requirements of program, government regulation is and will continue to impact the operations customers who send money to other people on a regular basis. and profitability of uS-based programs. that’s why savvy companies porting • opportunities from uS to other countries around the world their prepaid program expertise beyond uS borders, where regulations are less onerous and opportunities abound. • domestic opportunities with P2P payments in this session, you’ll hear discussion on: • technical considerations and challenges • Strategies for identifying the most appropriate types of programs that can • Analyzing Fincen’s position on whether mobile money transfer vendors deployed in foreign markets must register as MSbs and comply with related guidance for AMl regulations • insight into the most “prepaid friendly” countries and key international companies involved in prepaid Bruce Burke • Methods for working with local partners and other international vendors Director of Business Development IPAYSTATION • Steps for conducting operational, technical, legal and business “needs assessments” for launching an international prepaid program Ennio Ponzetto CEO ECOMMLINK 5:30 5:30 End of Day 1 End of Day 1 DAy Two As a result, there’s a large opportunity to use these sites to support, market and even sell prepaid products and services, from both a b2c and a b2b perspective. Tuesday, april 13, 2010 Key takeaways: • insight into how these social networking sites attract users, and entice 8:30 – 9:00 users to return on a regular basis Morning Coffee • Key features of the sites that can be leveraged by marketing and sales 9:00 – 9:45 applications Harnessing the Reach and Ubiquity of Social Media • Pitfalls to avoid when reaching out to members Social media sites such as Facebook, linkedin and twitter have rapidly • best practices for crafting applications that seamlessly integrate the look, gained traction among consumers of nearly all types: young and old; male feel and experience of each site to maximize usage and female; and student and professional. these sites are extremely “sticky,’ Liz Strauss and feature a loyal user base that not only keeps coming back, but often Social Web Strategist proselytizes others to join. Founder of SOBCON & SuCCESSFuL BLOG To RegisTeR: Call: 800-647-7600 or 781-939-2500 ■ Fax: 781-939-2543 ■ e-mail: info@worldrg.com ■ www.worldrg.com/prepaid 5
  • 6. 9:45 – 10:30 11:30 – 12:45 What is Wealth? The Value of a Dollar session 1 how do we measure the value of a dollar? is it measured by the amount Capitol Hill, Legislation and Regulation it can buy or by the impact it can have on people’s lives? this presentation • understanding how the prepaid industry has been impacted by legislation will discuss the relative value of a dollar and how emerging payment options and where future regulation of prepaid industry is headed can create wealth in underdeveloped economies by the efficient movement of money. • Strategies industry professionals and groups can take to impact decisions made on capitol hill Brad Hanson • Assessing the operational and technological implications of legislation and President regulation on prepaid META PAYMENT SYSTEMS • Media, grassroots initiatives and third-party activities: understanding how 10:30 – 11:00 these groups fit into the prepaid industry puzzle Networking & Refreshment Break 12:45 – 1:30 11:00 – 5:30 Lunch for Conference Attendees & Speakers Wrg & the netWork BrAnDeD prepAiD cArD 1:30 – 3:45 AssociAtion present session 2 The 2010 LegisLaTive impacT Forum Tactics for Managing Regulatory Changes the prepaid industry has received significant attention over the past year, with several bills introduced in 2009 that included a focus on prepaid, • Steps for managing new Anti-Money laundering regulations, particularly including the Fair card Gift Act, the credit card Accountability, responsibility, the classification of prepaid cards as monetary instruments and disclosure Act of 2009, and the formation of the consumer Financial • Analysis of the impact of new consumer protection laws, including the Protection Agency. in this Forum presented by WrG and the nbPcA, you’ll hear Federal cArd Act and related regulations, as well as: insight from nbPcA and industry professionals who are working directly with o overdraft laws and regulations legislators on capitol hill. o State regulations related to prepaid cards this interactive forum will cover the following topics, as well as other o regulation e provisions, as applied to prepaid developments that occur between now and the date of the conference. • understanding federal preemption and its relation to state law provisions Leaders: • Making sense of the cFPA and the new structure for financial services Judie Rinearson regulation, including new rules for deposit-taking Partner BRYAN CAVE • Analyzing the current state of state money transmitter licensing, including Co-Chair Government Relations the stepped-up licensure enforcement and the preemption of Federal laws NBPCA • Managing abandoned property/escheatment laws, including the impact of the recent Young America rebate litigation Terry Maher Partner • tactics for managing legal issues with reward cards, hSA and FSA cards, BAIRD HOLM government benefit cards, and the marketing of prepaid cards to minors General Counsel NBPCA 3:45 – 4:00 Networking & Refreshment Break Joi Sheffield SHEFFIELD BROTHERS 4:00 – 5:30 Director Legislative Activities session 3 NBPCA International Laws, Interchange, Privacy Rules, and Future Kirsten Trusko Outlook President NBPCA • techniques for dealing with international laws and regulations, including new e-Money laws in the eu, canadian laws, and developments in Asia and Jennifer Tramontana South America FLETCHER GROuP • updates on interchange legislation, data security, and privacy rules and Director, Media and PR regulatory activity NBPCA • top 10 items to watch for prepaid in 2010 and beyond Cherie Hamblin Co-Chair Government Relations 5:30 NBPCA Conference Concludes Gary Palmer Chair NBPCA To RegisTeR: 6 Call: 800-647-7600 or 781-939-2500 ■ Fax: 781-939-2543 ■ e-mail: info@worldrg.com ■ www.worldrg.com/prepaid
  • 7. SPoNSorS aND exhIBITorS PLATINuM SPONSOR GOLD SPONSOR SILVER SPONSOR Meta Payment Systems sponsors, discover network, a business unit of ecommlink enables program designs and delivers innovative discover Financial Services, is a managers and financial payment solutions that bring money to comprehensive and secure payments institutions to maximize revenue from their prepaid liFe. our team of experts, the most network that connects to millions of merchants debit programs. the company’s flexible prepaid experienced of any prepaid issuer, has throughout the u.S., canada, Mexico, central processing platform, innovative features and industry the creativity and insight to help clients grow their America and the caribbean. discover markets and experience allow clients to create customized businesses and create long-term success in prepaid. supports a full range of credit, debit, and prepaid prepaid programs for their specific markets while together with our vast knowledge of the industry, products and provides customer-centric tools ensuring quality, security and time to market. unrivaled regulatory expertise and unmatched designed to drive loyalty and increase transaction partner relationships, we serve as a valuable volume. ExHIBITOR extension of our partners’ organizations. the result: we deliver results-driven, consumer-focused innovation with superior time-to-market. MeDIa ParTNerS Paybefore’s 360-degree coverage of prepaid and stored value card the network branded Prepaid card Association (nbPcA) is a nonprofit, issues gives industry professionals the news, analysis and inter-industry trade association that supports the growth and success of perspectives they need to make solid, informed decisions to help their businesses grow network branded prepaid cards and represents the common interests of and prosper. the many players in this new and rapidly growing payment category. the nbPcA’s Paybefore delivers content through a number of properties (Paybefore.com, Paybefore members include financial institutions, card organizations, processors, program news, Paybefore news international, Paybefore update, Paybefore legal, Paybefore managers, marketing and incentive companies, card distributors and law firms. the Magazine, and the Paybefore buyer’s Guide). Subscribe today at http://www.paybefore. nbPcA’s Working Groups drive the activities of the Association for its more than 42 com/subscribe/ members. For additional information, visit www.nbPcA.org. PARTNERshIP OPPORTuNITIEs industry-specific events help 80% of b2b marketers reach decision makers, • becoming part of the decision making to enhance the conference/seminar generate qualified leads, and build brand awareness. According to American program experience business Media, b2b events are ranked #1 for helping business decision makers • consulting as their editorial content advisor find out about new products and services. • creating an experience that matches the client’s goals to the market’s needs At WrG, we spend our time understanding the business needs of the primary • coming away with leads and a positive roi market. our conferences and seminars are designed to ensure the delivery of the Specific partnership opportunities with WrG depend on how we can best meet the most pertinent and timely content on new product and services. that’s why 95% of needs of the individual client. We work closely with clients to create a worthwhile companies attending WrG programs make a point of returning. investment. examples of participation from solution providers include, but are not We view solution providers as partners and assist them in: limited to: • being more effective in reaching the target audience before, at and after the on-site service demos • topic matter expertise • exhibiting face-to-face experience reception/luncheon/breakfast sponsorship • compendium sponsor • Gaining direct and personal access to potential clients Specialized track hosts • discussion group leaders • topic moderators • Maximizing the investment in making connections and developing relationships For more information on WrG partnership opportunities, please contact • organizing face-to-face meetings Meredith Sands at 646-723-8056 or Meredith@worldrg.com. REGIsTRATION INfORmATION PAYMENT POLICY/SuBSTITuTIONS/CANCELLATIONS: registration fees must be paid by xxx, HR / Benefits Executives, Register By Register By Register By Consumer Banking, Retailer 02/05/2010 02/26/2010 04/12/2010 2010. Your registration may be transferred to a member of your organization up to 24 hours in advance of the conference. All cancellations received on or before xxx, 2010 will be subject Conference $ 795.00 $ 895.00 $ 1095.00 to a $295 administrative charge. We regret that no refund for cancellations will be made after Conference + 1 Workshop $ 995.00 $ 1095.00 $ 1295.00 this date. in case of conference cancellation, World research Group’s liability is limited to Register By Register By Register By refund of the conference registration fee only. World research Group reserves the right to alter Standard this program without prior notice. All cancellations must be submitted in writing on or before 02/05/2010 02/26/2010 04/12/2010 14 days prior to the conference date in order to receive a refund, minus cancellation fee. Conference $ 1295.00 $ 1395.00 $ 1595.00 CONFERENCE VENuE: Conference + 1 Workshop $ 1595.00 $ 1695.00 $ 1895.00 la costa resort and Spa Fee includes morning coffee, lunch, refreshments, and conference documentation. 2100 costa del Mar road Please make checks payable to WrG research, inc. carlsbad, cA 92009 Phone: 800-854-5000 TEAM DISCOuNT: register 3 team members from the same organization at the same time and the 4th team member attends Free! (valid only at regular registration rate.) PRESS PERMISSION: Press permission must be obtained prior to the event and is dependent upon the speakers’ approval. the press may not quote speakers or delegates unless they SATISFACTION GuARANTEED: World research Group stands behind the quality of its have obtained their approval in writing. Press passes do not include admittance to pre-event conferences. if you are not satisfied with the quality of the conference, a credit will be workshops. awarded towards a comparable World research Group conference of your choice. To RegisTeR: Call: 800-647-7600 or 781-939-2500 ■ Fax: 781-939-2543 ■ e-mail: info@worldrg.com ■ www.worldrg.com/prepaid 7
  • 8. WRG Research, Inc. Attention MAilrooM: if undeliverable to addressee, this 500 West Cummings Park, STE 5400 important time-sensitive information should be forwarded to PRSRT STD Woburn, MA 01801 your Marketing Director. u.S. POSTAGE PAID 10006 Please do not remove label SALEM, NH PERMIT #151 Connect with your peers to learn how to leverage mobile payments, social networking sites and next-generation physical card innovations! • Garner strategies and insights from case studies by retailers and other issuers who have developed their own mobile & next-generation solutions • Proven techniques and tactics for leveraging social networking sites to support prepaid product marketing efforts and distribution strategies • Hear ideas and innovations from both closed- and open- loop prepaid issuers and vendors to enhance your knowledge of new market developments and innovations • Hands-on workshops: Step-by-step, process-oriented information on how to plan and deploy both next-gen mobile 4 Easy Ways to Register prepaid programs or methods for enhancing your current physical card programs • Conduct meaningful discussions with your peers in a small, WEBSITE PHONE E-MAIL MAIL www.worldrg.com 800-647-7600 info@worldrg.com WRG Research, Inc. roundtable-driven forum, without needing to wade through 781-939-2500 500 West Cummings Park miles of exhibits, activities or other distractions outside the u.S. STE 5400 Woburn, MA 01801 (registrations and Payments only) Successful Strategies for Delivering NEXT-GENERATION PREPAID April 12–13, 2010 ■ La Costa Resort & spa ■ Carlsbad, CA Your Interactive Forum for Identifying Winning Strategies with New Prepaid Distribution Channels, Technologies and Customers SPeakerS: FeaTurINg: Marilyn Bochicchio, Brad Hanson, META Alan Safahi, ZIPZAP PAyBEFORE PAyMENT SySTEMS Liz Strauss, Social web Bruce Burke, Ennio Ponzetto, Strategist IPAySTATION ECOMMlINK Jennifer Tramontana, Kirsten Carman Brad Hanson Marilyn Liz Strauss Cherie Hamblin, NBPCA Andrew Popp, ZIPZAP FlETCHER GROuP; Trusko Wenkoff META Bochicchio SOCIAl Terry Maher, BAIRd Rebekka Rea, NBPCA NBPCA IPC PAyMENT PAyBEFORE MEdIA HOlM; NBPCA INNOVATIVE PREPAId Kirsten Trusko, NBPCA (SuBwAy)/ SySTEMS STRATEGIST Kevin Morrison, H&R SOluTIONS Scott Wall, AMC RGCA BlOCK Judie Rinearson, BRyAN THEATRES Michael Nebeker, BAKS COMPANy CAVE; NBPCA Jim Rowins, FANdANGO Carman Wenkoff, IPC (SuBwAy) Plus! Connect with your peers to learn how to Gary Palmer, NBPCA Joi Sheffield, SHEFFIEld Trent Sorbe, META leverage mobile payments, social networking sites BROTHERS; NBPCA PAyMENT SySTEMS and next-generation physical card innovations!