Tuesday, December 11th, 2007

8:00 a.m. - 9:00 a.m.

Registration, Continental Breakfast & Exhibits

9:00 a.m. - 10:00 a.m.

Open vs. Closed Loop Stored Value Solutions: Dynamics at Play -- As stored value evolves past niche status, it is unleashing wholesale changes in the way we pay for goods and services.  This Keynote session by Vance Hodnett will offer The PELORUS Group’s perspective of the current state of stored value - its dimensions, the forces shaping profitability, prospects for future growth, and insights from our 2007 stored value report and surveys, including results of The PELORUS Group's latest research into consumer adoption rates of open vs. closed loop solutions.  Designed to shed light on the salient market factors propelling both open and closed loop stored value, this exclusive Session will drill down on what likely direction the market will take over the next several years, and provide insight on the market drivers.

Speakers:

     Al Fross, The PELORUS Group

     Vance Hodnett, The PELORUS Group

10:00 a.m. - 10:30 a.m.

Innovative Marketing Initiatives: Positioning Open vs. Closed Loop By Market Segment -- It’s not just about monetary exchange, productivity and hard-dollar savings.  Today’s prepaid debit card solutions can be tied directly into branding, customer loyalty, and leveraging profits.  Precise marketing is a must.  Determining niche needs and presenting offers in the appropriate segment’s language all take on a critical degree of importance.  Are consumers getting the message?  This Session will take a hard look at what works to drive customer loyalty and profitability in the drive to move open and closed loop prepaid cards directly into the mainstream.

Speaker:

     Mark Edmondson, Chockstone

11:00 a.m. - 11:50 a.m.

Banks: Exploiting Stored Value Applications -- Banks are catching onto and embracing stored value, and have recently acquired many prepaid card solutions companies.  Reloadable cards can offer online bill pay and account maintenance, overdraft protection, ATM access, international access, and an array of other vital services.  What are the impacts of stored value solutions on banks?  Find out what works best for the banking community in this joint presentation from one of its own members and a major provider of prepaid debit card solutions. 

Speakers:

     Don Barbacovi, eCommLink

     Jim Tingey, Palm Desert National Bank

Open/Closed Loop System Solutions For Gift Cards and Incentives -- What is the key to improving the customer experience with loyalty and gift card programs?  What is differentiating solutions among incentives and gift card players?  What customer rewards, strategies, and incentives work most effectively to drive incremental sales and build brand?  How will the strategies of the largest brands shift over the next 24 months?  What criteria should be used when evaluating an employee, incentive, or gift card solution?

Speakers:

     Martin Hood, American Express Incentive Services

     Fred Rackers, BenefitLogix

     Asif Ramji, RBS Lynk

1:00 p.m. - 2:00 p.m.

Luncheon

2:00 p.m. - 3:00 p.m.

Open & Closed Loop Stored Value Technologies: The Next Wave -- Different technologies - such as RFID, smart cards, mag-stripe and contactless cards - are being deployed for stored value applications.  Promising technologies are facilitating a whole new set of payments and authentication capabilities.  Open vs. closed loop: which solutions are the best for which applications?  What market factors and methods of implementation spell the difference between success and failure?  Are any new technologies or innovator offerings heralding unforeseen applications on the horizon?  Moving forward, precisely what role will technology play, and what is it market participants need to look for when planning their services portfolio?  This Session will spotlight the technologies that are making a difference, and explain which alternatives ultimately will prove the most productive and enduring.

Speakers:

     Michael Keresman, Cardinal Commerce

3:00 p.m. - 3:30 p.m.

Mobile Payments: Seizing the Opportunity Before Us -- There are over 240 million U.S. mobile phone subscribers, representing 80% market penetration.  Widespread acceptance of mobile payments entails overcoming a number of obstacles, including merchant acceptance.  Are prepaid cards the entrée that will enable this payments market to blossom?  This session focuses on mobile payment applications that are in the here and now, and highlights effective - and cost-effective - incentives to attract sufficient merchants to take the critical first step for more widespread consumer use of mobile payments.

Speaker:

     T. Jack Williams, eCommLink

3:30 p.m. - 4:00 p.m.

Refreshment Break

4:00 p.m. -5:00 p.m.

Stored Value Cards & Underbanked Customers -- For decades, depository institutions, regulators, legislators and others have agonized over how to reach the so-called “unbanked/underbanked.”  Yet in the last five years, numerous innovative companies have deployed stored value cards that serve the current financial service needs of these transaction-oriented consumers - a group with $1.1 trillion of annual income!  Hear how these companies have succeeded where others have not.  What will be the impact of Wal-Mart’s recent MoneyCard entry into this market?  This Session will explore further opportunities for achieving profitability by serving hard-to-reach consumers, in the U.S. and overseas.  Don’t miss this Session!

Speakers:

     Daniel Csoka, Akos Technology

     Blake Patton, IKobo

5:00 p.m. - 7:00 p.m.

Networking Reception

9:00 a.m. - 10:00 a.m.

The Regulatory, Legal, And Security Factors -- Stored value comes under the review of regulatory agencies at both the federal and state levels.  But many of these regulations are literally in constant flux, coming under scrutiny on a regular basis.  Presented by leading regulatory, legal, and security authorities, this Session consistently has proven to be one of the most highly rated of any PELORUS event.  One of its many highlights will be a comprehensive, no-holds-barred and up-to-the-minute review of the current laws and pending issues related to stored value.  Will recent Regulation E changes increase growth rates for payroll cards?  Also, how can stored value cards reduce losses and increase security?  This Session will explore the most pressing issues emerging from the regulatory/legal/security variable of the stored value equation.

Speakers:

     Ed Maldonado,  Partner, Maldonado Law Group

     Judith Rinearson, Bryan Cave LLC

10:00 a.m. - 10:45 a.m.

Open Systems For Health Care, Government Payments, and other Applications -- These accounts are increasingly being utilized by the mainstream public, and show great growth potential.  This will be an invaluable insight on how to integrate stored value applications into employee and government benefits portfolios.  The session strives to cast light on just how extensive and potentially lucrative the segment may be for prepaid service providers, and how increasingly important it is becoming for employers, government at all levels, and the public at large.

Speakers:

     Ted Dargan, MasterCard

     Victor Nappe, Stored Value Consulting

Refreshment Break

11:00 a.m. - 11:50 a.m.

Stored Value is Mainstream: Now What? -- After half a decade of rapid growth and proliferation of products, stored value is now fully ensconced in the payments mainstream.  Banks have been making a go at this market, and there is a new breed of "hybrid" provider models. The security challenges of the marketplace aren't for the faint-of-heart, with heightened focus on knowing the customer, tracking card acquisition real-time, and getting data on consumers the credit bureaus don't.  Hear an industry visionary give his perspective on the evolving dynamics of this market over the next few years!

Speaker:

     Steve Mott, BetterBuyDesign

11:50 a.m. - 12:20 p.m.

Winning Payroll Card Strategies -- What are the dominant trends and hot emerging applications within the payroll card arena?  What makes for a good paycard, what are the must have features, and what are the benefits and challenges for both employers and employees?  In a no-holds-barred payroll system close-up, this session will bring delegates up to speed on the latest paycard market developments, spotlighting why payroll cards are enjoying a meteoric rise in acceptance and popularity.

Speaker:

     Craig Fuller, TransMarket Technology

     Deneka Scott, FSV

12:20 p.m. - 12:40 p.m.

Refreshment Break

12:40 p.m. - 1:15 p.m.

Drilling Down On Stored Value Distribution Channels -- Launching a stored value program is no sure thing by any means.  Considerable planning and focused market execution must be exercised to prevent misfires.  Differences in market channels could make or break a stored value initiative.  Retail, the Internet, direct mail -- what determines the best course?  What is the c-store perspective?  Why must approaches vary for national chains vs. regional chains and independent storeowners?  What are the most important factors when selecting specific target market(s)?

Speaker:

     Thomas Honey, Better ATM Services

The Future Of Stored Value - The Stakeholders’ Panel -- Take stock of stored value acceptance and penetration in 2007, and where it stands.  What about 2008?  Just where is the market headed, and how quickly will it develop?  What will the impact be to credit card companies and banking institutions and prepaid telephony concerns?  Who stands to gain the most and what must companies do to ensure they’re not left behind?  In this round-table discussion, industry leaders, and prepaid visionaries will share their respective ideas on everything from market growth rates for open and closed loop applications, to most appealing segments and the requisite strategies to capture them.  How do prepaid card applications move forward from here to achieve growth and profitability?!

Speakers:

    Vance Hodnett, The PELORUS Group

    Steve Mott, BetterBuyDesigns

    Victor Nappe, Stored Value Systems

Wrap Up