ETA On-Site Conference Program

Onsite Program: A Supplement to Transaction Trends—Offical Publisher of ETA

Transaction trends

April 30 – May 2, 2013 Ernest N. Morial Convention Center New Orleans, LA

mobile +

tech + commerce

The FUTURE of Payments is HERE ™

For the latest Attendee, Sponsor, and Exhibitor information, be sure to download the ETA Mobile App! Scan the code with your smartphone, or go to, http://eventmobi.com/eta13/Transaction trends

| May 2013

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A Message from ETA’s CEO Welcome to the 2013 ETA Annual Meeting & Expo! I am so glad you’re here with us in New Orleans for what promises to be our best and most memorable event yet.

This year’s conference brings together innovators from around the world as well as organizations from every corner of the increasingly diverse payments sector. You will benefit from our top-notch program, part of the largest and most dynamic exhibition in the industry, and plenty of opportunities for business to business networking. In other words, the ideas, the solutions, and the partners you’ll need to compete in an evolving business environment.

You’ll hear from industry leaders such as David W. Nelms, Chairman and CEO, Discover Financial Services and Michael Abbott, CEO of ISIS, who will provide you with further insight into the future of payments and the opportunities that await you. You will also get a chance to learn from experts on sales, technology, government affairs and social payments during our educational sessions.

Electronic Transactions Association 2013 Board of Directors OFFICERS Kim Fitzsimmons, President CEO Cynergy Data

Debra Rossi, Treasurer EVP, Wells Fargo & Company

Holli Targan, President-Elect Attorney and Partner Jaffe, Raitt, Heuer & Weiss, PC

Greg Cohen, Secretary Chief Revenue & Strategy Officer Merchant Warehouse

DIRECTORS Robert Baldwin Vice Chairman Heartland Payment Systems, Inc. John Barrett SVP, Sales First Data Chuck Harris President NetSpend

ADVISORS

This year’s EXPO hall hosts our largest and most diverse group of vendors to date. Browse the cutting edge products and services of our more than 200 exhibitors and make sure to stop by our new Mobile Pay Zone, an exhibit pavilion focused on leaders in the dynamic mobile payments industry. Also new this year is our Payments Next Zone, a showcase for innovative startups to display new payment technologies that serve global consumers. A grant from the Bill & Melinda Gates Foundation is funding the $10,000 E-Pay Innovation Award for the most innovative startup.

All of us at ETA designed the conference to have something for everyone — whether you are a new entrant to the payments industry or a seasoned expert. So dive into the sessions, soak up the speeches, tour the exciting new technologies in our exhibit hall, and don’t forget to save some energy for the networking events.

Sincerely,

Jason Oxman CEO

2 May 2013 | Transaction trends

Eddie Myers, Past President President & COO PayPros

Kevin Jones President & CEO Anovia Payments Steve Klebe Business Development Google, Inc.

Joan Herbig CEO ControlScan

Mike Passilla President & CEO Elavon

Chris Hylen SVP & GM Intuit

Jeff Rosenblatt President EVO Payments Int’l

Jennifer Miles President VeriFone Americas

Kurt Strawhecker Managing Partner The Strawhecker Group

Chris Lee President NA Strategic Partnerships & Emerging Markets Moneris Solutions

John Priore President & CEO Priority Payment Systems

Tracy Manning Director, mCommerce AT&T Mobility Consumer Marketing

Jeff Sloan President Global Payments, Inc.

EX-OFFICIO Steve Carnevale Group Head, U.S. Market Development, U.S. Markets MasterCard Worldwide

Sameer Govil Head of Acceptance Solutions, Global Acceptance Visa, Inc.

Jan Estep President & CEO NACHA

Ed Jay SVP & GM, Small Merchants Services American Express

Peter Karpas VP & GM North America SMB PayPal Jason Oxman CEO Electronic Transactions Association Gerry Wagner VP, Global Acceptance Discover Financial Services

LEGAL COUNSEL David Goch (Dave) Attorney at Law Webster, Chamberlain & Bean

2013 Speakers

Todd Ablowitz, President, Double Diamond Group

Tony Abruzzio, VP, Merchant Sales, Isis

Darrel Anderson, EVP, Sales and Business Development, CSR

Shannon Andrade, CPP, Sales Training and Communication Manager, Merchant Warehouse

Marc Badalucco, Director, Larry Berlin, First Issuing & Alternative Analysis Corp.

Payments, Impact Payments Recruiting

Troy Bernard, Global Head - Chip Payments, Discover

Jim Bibles, VP, Business Development, Aperia

Randy Burnette, VP, North America Application Development, VeriFone

Greg Cohen, Chief Revenue and Strategy Officer, Merchant Warehouse

Brad Daniel, President, Real Local Pages

Ralph Dangelmaier, CEO, BlueSnap

Derek Depuydt , Owner, Lone Palm Consulting

Heather Foster, VP, Marketing, ControlScan

Randy Gainer, Partner, Davis Wright Tremaine LLP

Gary Glover, Director of Security Assessment, SecurityMetrics

Stephen Gerson, Managing Director, Wells Fargo Securities

Brian Goudie, SVP, North American Acquiring, First Data

Sean Harper, Product Management, Groupon

Henry Helgeson, CEO, Merchant Warehouse

Pranay Kapadia, Head of Product Management for Mobile Payments and Point of Sale, IntuitÂ

Neil Kapur, Business Development Associate, Adaptive Payments

Dave Kiminsky, Senior Analyst, Mercator Advisory Group

Marla Knutson, President, Financial Institution, TransFirst

Rob Leach, Executive VP, G2

Troy Leach, Chief Technology Officer, PCI Security Standards Council

Greg Leos, VP, Sales and Business Development, North America, ControlScan

Marc Massar, Principal Solutions Architect, VeriFone

Ned May, VP, Morgan Stanley Private Equity

Liz Pike, Director of Sales & Development, Prolific Business Solutions

Bill Ramsey, VP and General Manager of Mobile Payments, Apriva

Jeff Reich, Chief Risk Officer, LayeredTech

Deana Rich, Founder & President, Rich Consulting

David Sharp, SVP, Business Development, PaySimple

Harry Smorenberg, CEO, Smorenberg Corporate Consultancy

Stuart Taylor, VP Product Management & Marketing, ID Tech

Michelle Tinsley, Director, Patty Walters, SVP, Transactional Retail, Merchant Products and Retail Solutions Division, Security, Vantiv Intel Corporation

Allen Weinberg, Managing Partner, Glenbrook Partners

Mary Winingham, Senior Consultant, Planet Group

ETA 2013 Annual Meeting & Expo Onsite Program

Transaction trends | May 2013 3

Schedule At a Glance

Additional Fee

Invitation-Only

E Education Session

Monday, APRIL 29 8:00 am – 5:00 pm

Registration Open

9:00 am – 12:00 pm

9:00 am – 2:00 pm

ETAU: Acquiring Payments Risk/Fraud Management Tactics and Trends

Room 212

ETA Board Meeting - Board Members Only

Hilton-River Room

1:00 pm – 4:00 pm 2:30 pm – 5:15 pm

Room 211

ETAU: Introduction to Electronic Processing

ETAU: Introduction to Operations

Room 211

ETAU: PCI Fundamentals for the Small Merchant

Room 212

Industry Relations Meeting - Committee Outreach Members Only

Hilton-Compass Room

Tuesday, APRIL 30 7:00 am – 7:30 pm

Registration Open

7:30 am – 5:00 pm

Mobile Payment Innovations

Great Hall B

8:00 am – 1:00 pm

ETA Golf Tournament - English Turn Golf Course Buses depart from the Hilton Riverside at 6:30 am Sponsored by SecurityMetrics

English Turn Country Club, New Orleans

8:30 am – 12:00 pm

Industry Relations Meeting - Committee Outreach Members Only

Hilton-Compass Room

8:30 am – 4:30 pm

Compliance Day Sponsored by SecurityMetrics, Trustwave, G2 Web Services, The Strawhecker Group

Room 208 - 210

8:30 am – 4:30 pm

EMV Day

Room 220 - 221

8:30 am – 4:30 pm

Investment Community Forum

Room 206/207

9:00 am – 12:00 pm

ETAU: Introduction to Sales and Marketing

Room 211

12:00 pm – 1:00 pm

ETA CPP Luncheon Sponsored by Merchant Bankcard

Room 217

ETAU: Introduction to Technology

Room 211

ETAU: Sales Channel Development

Room 212

4:30 pm – 5:30 pm

New Member Reception Sponsored by NPC, a Vantiv Company

Room 217

5:30 pm – 7:30 pm

Opening Reception / Exhibit Hall

Hall B

7:30 pm – 10:00 pm

ETA President’s Dinner & Star Awards Sponsored by Visa

Great Hall A

1:00 pm – 4:00 pm

2013 Annual Meeting Planning and Programming Committee Michelle Daughtry, Chair Real Local Pages

Charmaine Clay Wells Fargo Merchant Services

E. Drew Soinski, Vice Chair Planet Payment

Gigi Fonteneaux Discover Network

4 May 2013 | Transaction trends

Carrie Hometh RocketPay

Susie Maxwell Justified Data Security

Linda Rossetti Bluestone Payments

Kevin Kidd Axia Payments

Peggy Olson Strategic Marketing

Robin Rotz Apriva

ETA 2013 Annual Meeting & Expo Onsite Program

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8:00 am – 9:00 am

Voting Representatives Meeting

Great Hall B

8:00 am – 9:00 am

Continental Breakfast

Great Hall Pre-function

8:00 am – 6:00 pm

Registration Open

9:00 am – 10:15 am

Keynote Presentation: Michael Abbott, CEO, Isis Sponsored by Isis

Great Hall A

10:30 am – 6:00 pm

Exhibit Hall Open

Hall B

10:30 am – 11:00 am

Beverage Break: Exhibit Hall

Exhibit Hall

11:00 am – 12:00 pm

E: To Aggregate, or Not to Aggregate Product/Solutions Track E: Am I Making any Money? How to Evaluate your Portfolio and

Session Room 1

12:00 pm – 1:00 pm

Lunch / Exhibit Hall Sponsored by Isis

Hall B

12:00 pm – 1:30 pm

ISO Luncheon

Great Hall B

1:30 pm – 2:30 pm

Keynote Presentation: David Nelms, Chairman & CEO, Discover Financial Services Sponsored by PayPal

Great Hall A

2:30 pm – 3:00 pm

Beverage Break: Exhibit Hall

Hall B

2:45 pm – 3:45 pm

E: Who Do You Think You Are? The Value of Brand Equity to Your Business Sales/Marketing Track

Session Room 1

E: Financing Your Future, Debt Equity and Acquisitions

Session Room 2

3:30 pm – 5:00 pm

ETA Small Merchant Panel Sponsored by American Express

Room 210

4:00 pm – 5:00 pm

E: How to Recruit, Train & Retain Sales/Marketing Track E: EMV is Coming…What ISOs Need to Know

Session Room 1

5:00 pm – 6:00 pm

Happy Hour / Exhibit Hall Sponsored by Global Payments

Hall B

6:00 pm – 8:30 pm

ETA / Discover Party Buses depart from the convention center at 6 pm Sponsored by Discover

The Bourbon Vieux

Session Room 2

Profit Beyond the MID Finance & Profitability Track

Finance & Profitability Track

Schedule At a Glance

Wednesday, MAY 1

Session Room 2

Thursday, MAY 2 8:00 am – 11:00 am

Registration Open

8:30 am – 10:00 am

Mobile Payments Committee

Room 207

9:00 am – 1:00 pm

Exhibit Hall Open

Hall B

9:00 am – 10:00 am

Champagne and Beignets Breakfast / Exhibit Hall Sponsored by Apriva

Hall B

8:45 am – 9:45 am

E: The New Payments Paradigm: How Payment Start-Ups Will Change Our Industry Product/Solutions Track

Session Room 1

E: Expanding Globally E: Government Panel E: A Mobile Revolution in Retailing Product/Solutions Track E: NFC vs. Cloud: The Best Method to Engage Customers and

Session Room 2

10:00 am – 11:00 am 11:15 am – 12:15 pm

Increase Sales Product/Solutions Track

Session Room 1 Session Room 1 Session Room 2

11:15 am – 12:15 pm

Government Relations Committee - Committee Members Only

Room 205

12:00 pm – 1:00 pm

Lunch / Exhibit Hall

Hall B

6 May 2013 | Transaction trends

ETA 2013 Annual Meeting & Expo Onsite Program

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Networking Events ETA Golf Tournament Tuesday, April 30

Opening Reception in the Exhibit Hall

English Turn Country Club New Orleans

This is the one event where you’re sure to see everyone! Step inside the industry’s premier exhibit hall to visit more than 180 vendors ready to showcase their latest products and services. Don’t miss ETA’s only international trade show – your unparalleled opportunity to connect with the industry’s leading suppliers and partners.

8:00 am Shotgun Start ADDITIONAL FEE REQUIRED Sponsored by:

ETA President’s Dinner & Star Awards

Jack Nicklaus created eighteen unique championship holes surrounded by an expansive waterway. At English Turn each hole is different. There were no architectural cookie cutters here, and no holes designed merely to divide residential areas. Each English Turn hole challenges you with its own personality. The greens are notoriously undulating, challenging yet fair for club members and pros alike. The famed 18th of English Turn was consistently rated one of the most challenging on the PGA Tour. Norman. Faldo. Love.

Couples. They’ve all taken a swing at English Turn’s 7,078-yard track and come away with a bit more respect for the award-winning Jack Nicklaus-designed 18-hole layout.

Buses depart the Hilton Riverside at 6:30 am. Continental breakfast and lunch will be provided at the course. Club rentals are $50. If you need to reserve clubs, please specify mens / ladies, left or right handed in an e-mail to Van Voss: vanv@vegasgolfservices.com.

ETA CPP Luncheon Tuesday, April 30 12:00 pm – 1:00 pm | Room 217

Tuesday, April 30 | 5:30 pm – 7:30 pm

Sponsored by:

www.mbncard.com

1-877-771-4629

During this invitation-only luncheon for ETAU attendees and current ETA CPPs, hear from ETA CPP Committee members and ETA CPPs about the benefits of earning your ETA CPP credential, how having the credential has helped both the individual and their company, and how the credential is gaining wider recognition by the merchant community.

Sponsored by:

Tuesday, April 30 | 7:30 pm – 10:00 pm Great Hall A | ADDITIONAL FEE REQUIRED Join us as we recognize the outstanding individuals and organizations that have contributed to the success of ETA and the payments industry. We hope to see you there!

ISO Disruption Luncheon – Mobile Technologies Wednesday, May 1| 12:00 pm – 1:30 pm | Great Hall B The payments landscape continues to evolve and mobile endpoints are challenging industry participants to find ways to address these new markets where merchants and consumers are interacting in new and different ways. They contain pitfalls and great opportunity all at the same time.

From tablets, to the cloud, technology is here to stay and will dictate who actually owns the merchant relationship.

The ETA ISO Practices Committee is sponsoring a panel discussion with industry leaders around their points of view on these technologies and the effects they are having on the ecosystem.

ISO Practices Committee member, Brian Goudie of First Data, will moderate what promises to be an informative and provocative discussion with four industry panelists. Boxed luncheon provided.

Our panelists include.

Marc Abbey, Managing Partner, First Annapolis Consulting Marc Gardner, President and CEO, North American Bancard Phil Kumnick, Head of Global Acquirer Processing, Visa

Welcome Reception for New Members, First Time and International Attendees Sponsored by: Tuesday, April 30 4:30 pm – 5:30 pm | Room 217 This invitationonly reception is a great way to get acquainted with the ETA community. Attend this session to learn how to get the most out of the meeting from those who have been here before. ETA’s board, volunteers and staff will be on hand to extend a warm welcome.

8 May 2013 | Transaction trends

Robin Leidenthal, Group Manager, Partnerships Intuit Merchant Services

ETA Small Merchant Panel Wednesday, May 1

Sponsored by:

3:30 pm – 5:00 pm | Room 210 Panel will examine small merchant issues and opportunities in rapidly evolving payments landscape.

ETA 2013 Annual Meeting & Expo Onsite Program

Continued from previous page

Happy Hour in the Exhibit Hall Wednesday, May 1

Sponsored by:

5:00 pm – 6:00 pm Join your colleagues in the exhibit hall for drinks, hors d’œuvres, and the opportunity to learn about the latest products and technologies.

Sponsored by:

ETA/Discover Party Wednesday, May 1 6:00 pm – 8:30 pm The Bourbon Vieux, 503 Bourbon Street

will have plenty of great New Orleans food and drinks starting on the first floor restaurant while The Dirty Dozen Brass Band will be playing their YouTube favorites upstairs.

Head outside on the balcony and greet the rest of the attendees from ETA as they arrive. But this party will only last from 6:00 – 8:30 pm so don’t miss it!

Bus departures will run continuously until 7:30 pm and a walking map will also be available. Keep a lookout as ETA and Discover unveil more details about the “best place to be and be seen” event during ETA.

Book your dinner reservations after 8:30 pm and wind down your Wednesday with a drink and conversation with some new acquaintances and old friends. Head straight to Bourbon Street after the conference to join this year’s party sponsored once again

by Discover.

Grab your invitation and orange beads at Discover booth #120 and hop on the first bus outside of the New Orleans Convention Center at 6 pm. Or if you are ready for some fresh air, it is only a 1.5 mile walk to The Bourbon Vieux, located at 503 Bourbon Street. Bourbon Vieux boasts the largest covered balcony on Bourbon Street, where you can appreciate the spirit of the French Quarter in historic New Orleans. We

Strategic Leadership Forum 2013

Engage with the Innovators Capitalize on the knowledge of hundreds of frontline leaders, business visionaries and senior level professionals who are advancing the payments industry — Top Executives at the nexus of technology, mobile, and e-commerce will share smart techniques and explore the next generation of innovative ideas.

Save The Date

October 15-17, 2013 Montelucia Resort & Spa, Scottsdale, AZ

10 May 2013 | Transaction trends

ETA 2013 Annual Meeting & Expo Onsite Program

Keynote Speakers Michael Abbott, CEO, Isis Wednesday, May 1, 9:00 am – 10:15 am | Great Hall A

The Mobile Commerce Revolution The mobile commerce revolution has begun. Isis’ CEO Michael Abbott will share his vision for the future and how together we can make mobile commerce a reality.

Prior to this, he launched a series of successful new card products as FleetBoston’s Executive Vice President

As CEO, Michael Abbott leads Isis’s efforts to convene all necessary

of Marketing for credit card services. Abbott was also a

stakeholders and enable mobile commerce on a national scale,

partner at Mitchell Madison Group, where he built the firm’s

significantly modernizing the shopping experience and changing

telecommunications practice and optimized mobile networks

the way consumers pay and save.

for major domestic and international financial services firms.

Before joining Isis, Abbott spent nearly a decade with GE Capital.

Additionally, he analyzed electronic warfare intelligence

As CMO of the retail consumer finance division, he led strategy, marketing and product development for a host of world-class retail partners. Abbott helped transform GE Capital’s private label cards division into a multi-product business driving billions in retail sales.

data at Syracuse Research Corporation and conducted primary research for IBM Research’s super-computer and communications group.

Sponsored by:

David Nelms, Chairman & CEO, Discover Financial Services Wednesday, May 1, 1:30 pm – 2:30 pm | Great Hall A

Big Change and Pocket Change: Staying Ahead of Change in the Payments Industry

and banking products, including Discover Student Loans and Discover Home Loans;

The current environment in the payments industry is character-

the Discover Network,

ized by rapid changes in technology, players, regulation, consum-

a comprehensive

er behavior and more — all of which make it difficult to see a clear

payments network that

path to the future. But ours is not the first industry to undergo

supports multiple card

significant change, and past experience shows that change leads

products, issuers and

to new opportunities for those who adapt, while those who don’t

processors; PULSE, one of

adapt risk being left behind.

the nation’s leading PIN

Against this backdrop, Discover Chairman and CEO David Nelms

debit networks; and Diners Club International, a global payments

provides a unique perspective on the factors that are most

network. He is also Chairman of Discover Bank, the issuing bank

likely to determine the future of the payments industry, as well

for the Discover card brands.

as thoughts on how to take advantage of current changes and

Before his appointment at Discover in September 1998, Mr. Nelms

succeed in the future.

served as a Vice Chairman of MBNA America Bank. Prior to that,

David W. Nelms is Chairman of the Board of Directors and

he held management positions at Progressive Insurance, General

Chief Executive Officer of Discover. He is responsible for all

Electric Company and in the consulting industry.

Discover® branded financial services, including credit cards

Sponsored by:

12 May 2013 | Transaction trends

ETA 2013 Annual Meeting & Expo Onsite Program

Pre-conference Events

All Pre-Conference Programs below are Eligible for up to 6.5 ETA CPP Continuing Education Credits.

ADDITIONAL FEE REQUIRED Sponsored by:

Monday, April 29 9:00 am – 12:00 pm • Introduction to Electronic Processing Room 211 • Acquiring Payments Risk/ Fraud Management: Tactics & Trends Room 212

1:00 pm – 4:00 pm • Introduction to Operations Room 211 • PCI Fundamentals for the Small (Level 4) Merchant Room 212

Tuesday, April 30 8:30 am – 4:30 pm Room 208 - 210 ADDITIONAL FEE REQUIRED ETA’s Compliance Day is your opportunity to get critical information on compliance, learn about new standards, card company rules and mandates, and speak one-onone with experts from the card brands and other compliance space entities to get the answers to your questions. Learn how to more fully comply with industry requirements and provide higher quality service and assistance to clients and merchants in an increasingly complex and competitive regulatory environment.

Tuesday, April 30 Tuesday, April 30

9:00 am – 12:00 pm • Introduction to Sales & Marketing Room 211 1:00 pm – 4:00 pm • Introduction to Technology Room 211 • Sales Channel Development Room 212

8:30 am – 4:30 pm Room 207 ADDITIONAL FEE REQUIRED The Investment Community Forum is a one-day conference designed to bring the payments industry together with investors and investment companies that can help fund the innovation and entrepreneurial energy that drive the future of payments.

We’ve gathered some of the most successful investors active in the payments space, backed up by top executives from some of the best companies in our business, who will make the case as to why investors should seriously consider electronic payments as a key part of their investment strategies.

More Education Sessions >> ETA 2013 Annual Meeting & Expo Onsite Program

Transaction trends | May 2013 13

Pre-conference Events

Continued from previous page

The ETA is a great venue to strengthen relationships,

All Pre-Conference Programs below are Eligible for up to 6.5 ETA CPP Continuing Education Credits.

Tuesday, April 30 MOBILE PAYMENT INNOVATIONS

7:30 am – 5:00 pm | Great Hall B ADDITIONAL FEE REQUIRED

Breakthrough Business and Technology Solutions that Transform Payment Processing and Accelerate Adoption For the first time ever, the Electronic Transactions Association and Strategic Solutions Network, the creators of the industry-renowned Mobile Contactless Payment Innovations series of events, have partnered to fill a crucial need in the mobile arena and present Mobile Payment Innovations 2013.

mobile channel. Faculty members present their candid insights and experiences from a thought leadership perspective, rather than using the summit as a platform to deliver commercial presentations and simply sell their products.

Reserve your place and be part of this unprecedented event where everyone in the mobile payments and commerce space will collaborate and determine how to grow their businesses in 2013.

Participants have the exclusive opportunity to hear actionable business information that can be applied to your organization today.

A speaker faculty representing a cross-section of players within the ecosystem helps attendees understand how the industry effectively works together to facilitate mobile payment adoption and demonstrates the latest strategic, sustainable business opportunities available via the

establish new contacts – and

Tuesday, April 30

make things happen!

2012 ETA Annual Meeting & Expo Attendee

8:30 am – 4:30 pm | Room 220 - 221

EMV DAY

ADDITIONAL FEE REQUIRED

ETA’s EMV Day, sponsored by MasterCard Advisors, will help industry participants prepare to implement EMV in the U.S. Acquirers, ISOs and VARs are uniquely positioned to facilitate this transition and combat counterfeit fraud.

o EMV terminal management o Terminal certification testing and test tools o Merchant on-boarding n Acquirer resource optimization and EMV terminal roll-out planning

During the one-day session, MasterCard Advisors will address key topics designed to educate and prepare attendees to effectively plan for EMV implementation. Focus areas include: n EMV fundamentals n Terminal type selection n The Durbin effect on EMV debit routing n Key success factors for EMV implementation o POI Roadmap requirements

After attending this full-day session, your knowledge base will include critical success factors to manage your organization’s EMV implementation, as well as a roadmap and financial model to guide EMV terminalization investment and deployment by merchant category and geography.

14 May 2013 | Transaction trends

ETA 2013 Annual Meeting & Expo Onsite Program

President’s Dinner Kim Fitzsimmons Board President, Electronic Transactions Association and Jason Oxman CEO, Electronic Transactions Association cordially invite you to attend the

2013 ETA President’s Dinner and Star Awards Tuesday, April 30, 7:30 pm Ernest N. Morial Convention Center Great Hall A Visit the ETA Registration Desk to purchase tickets on-site. $95/each.

ETA President’s Dinner and Star Awards are Sponsored by:

Education Sessions

Wednesday, May 1

Session Room 1 Sponsor:

Session Room 2 Sponsor:

11:00 am – 12:00 pm

To Aggregate, or Not to Aggregate Product/Solutions TRACK

Session Room 1 Not that long ago, the idea of aggregating merchants under a single master merchant was taboo. But the card brand rules have changed. Today, disruptive innovators and traditional industry players are shifting the paradigm of how payment transactions can be delivered using the aggregator model. Is it the right approach for your business? Can aggregation be the answer for clients looking for a simple payments solution for their customers? Join a panel of experts to learn about market opportunities and what it takes to tap into this alternative payments strategy, while effectively managing the risk and avoiding potential operational, regulatory and legal pitfalls.

Am I Making any Money?

How to Evaluate your Portfolio and Profit Beyond the MID FINANCE & PROFITABILITY TRACK

Session Room 2

Speakers:

How do you know if your business is actually making any money, and what can you do to reverse pressure on revenue from price compression? A solid profitability model goes a long way in helping you understand who your most profitable clients are, while adding new services to basic card processing can open up entirely new channels for growth that enhance both your reputation and your bottomline. Get hands-on, practical guidance in building a profitability model and learn tips on how to identify services of high impact and return that require little effort and expense.

Todd Ablowitz, President, Double Diamond Group

Speakers:

Ralph Dangelmaier, CEO & President, BlueSnap Sean Harper, Product Management, Groupon

Darrel Anderson, EVP, Sales and Business Development, CSR

Deana Rich, President, Rich Consulting

Derek Depuydt, Owner, Lone Palm Consulting Mary Winingham, Senior Consultant, Planet Group

It would have taken two months of conference calls to accomplish what we did in a day and a half on the trade show floor.

2012 ETA Annual Meeting & Expo Attendee

More Education Sessions >> 16 May 2013 | Transaction trends

ETA 2013 Annual Meeting & Expo Onsite Program

Wednesday, May 1

Education Sessions

2:45 pm – 3:45 pm

Who Do You Think You Are? The Value of Brand Equity to Your Business SALES & MARKETING TRACK

Session Room 1 Businesses must continually strive to be relevant to their customers to ensure their success and continuity in times of economic difficulty. Brand identity is one of THE most important assets a business can own. Hear industry experts discuss creating and maintaining relevancy, brand loyalty, and high customer satisfaction during shifting economic times and a rapidly changing industry.

Speakers: Brad Daniel, President, Real Local Pages Marla Knutson, President, Financial Institution, Transfirst

Financing Your Future, Debt Equity and Acquisitions FINANCE & PROFITABILITY TRACK

Session Room 2 Do you have the capital to grow your business, to develop that technology you’ve been planning on, to acquire a value-add business…to essentially take your business to the next level? As industry participants look ahead and plan for future expansion, they will necessarily consider their growth capital needs and whether they have the internal capital to achieve their goals…or whether they will need external sources of debt or equity. Our panel of experts will give you the inside scoop on where Wall Street and the financial markets are in general today, their top considerations in looking at deals, and what you should know as you consider your next steps in planning for growth.

Speakers:

Greg Leos, VP, Sales and Business Development, North America, ControlScan

Stephen Gerson, Managing Director, Wells Fargo Securities

Moderator: Greg Cohen, Chief Revenue and Strategy Officer, Merchant Warehouse

Clayton Main, Goldman Sachs

ETA 2013 Annual Meeting & Expo Onsite Program

Ned May, VP, Morgan Stanley Private Equity

Transaction trends | May 2013 17

Continued from previous page

Education Sessions

Wednesday, May 1 4:00 pm – 5:00 pm

How to Recruit, Train & Retain SALES & MARKETING TRACK

Session Room 1 Success in today’s marketplace requires top quality talent. Finding and building that talent requires a significant amount of financial and human resources, but it’s an investment that’s critical to the success of your business. How do you recruit top talent? How do you ensure their success? How do you keep them on board? Join our panel of industry recruitment experts to hear about proven recruitment and retention strategies, as well as innovative employee training strategies and tools.

Speakers: Shannon Andrade, CPP, Sales Training and Communications Manager, Merchant Warehouse Marc Badalucco, Director, Issuing & Alternative Payments, Impact Payments Recruiting Liz Pike, Director of Sales & Development, Prolific Business Solutions

EMV is Coming…What ISOs Need to Know Session Room 2 After much debate and anticipation, the major card brands are expected to introduce EMV technology into the US in 2013. With such a dynamic shift, ISOs are certainly wondering how EMV can affect their business. For instance, what are the different risk scenarios and requirements that ISOs in various categories need to consider? How does the liability shift affect ISOs differently, depending on their risk model?

And certainly, how should ISOs sell EMV solutions?

Speakers: Troy Bernard, Global Head - Chip Payments, Discover Mike Cottrell, SVP, Chief Business Development Officer TriSource Solutions Brian Goudie, SVP, North American Acquiring, First Data Henry Helgeson, CEO, Merchant Warehouse Moderator: Patty Walters, SVP, Merchant Products & Security, Vantiv

Moderator: Tony Abbruzio , VP, Merchant Sales, Isis

I feel more confident now that I know the industry trends, and how we can best capitalize on our opportunities.

2012 ETA Annual Meeting & Expo Attendee

More Education Sessions >> 18 May 2013 | Transaction trends

ETA 2013 Annual Meeting & Expo Onsite Program

Thursday, May 2

Session Room 1 Sponsor:

Session Room 2 Sponsor:

Education Sessions

8:45 am – 9:45 am

The New Payments Paradigm: How Payment Start-Ups Will Change Our Industry Expanding Globally

Product/Solutions TRACK

Session Room 1 In most every industry, start-ups and entrepreneurs make the biggest waves in creative ways…and many times, change the face and direction of the industry.

Many of the once-upon-a-time start-ups in our industry were game-changing companies. This session will bring together some of the most innovative new start-ups in our industry to discuss how they and other companies will change the way consumers and merchants view and utilize payments in commerce…and as a result, you will gather information critical to traverse through the ever-changing payments marketplace.

Session Room 2 What do you do when your eCommerce customers start asking for merchant accounts that settle in Japanese Yen or Indian Rubles or Euro? What gateway strategies will help me meet multiple language requests? How can I leverage the local payment types that are so important in Germany or Canada or Russia? This panel presentation and discussion will address these practical discussions as well as give your business a glance into the five regions outside the US market.

Speakers:

Speakers:

Mark Fischer, CEO, Co-Founder, Inspire Commerce

Danny Chazonoff, COO, Optimal Payments

Neil Kapur, Business Development Associate, Adaptive Payments

Luca Giannone, Head of Financial Services, Sofort

David Sharp, SVP of Business Development, PaySimple

Markus Rinderer, CEO, PAY.ON

Abdul Naushad, CEO, PayCommerce

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More Education Sessions >>

Continued from previous page

Education Sessions

Thursday, May 2 10:00 am – 11:00 am

Government Panel Session Room 1 Join us for a discussion with the most influential professionals working on payments issues in the U.S. government. Learn what Congress needs to know about mobile payments; hear what initiatives are under way at the Federal Trade Commission’s Mobile Technology Unit, and discover how the Consumer Financial Protection Bureau views the prepaid, credit and debit card markets, the growth of mobile payments, and the

development of new payment technologies. Understand how business can bridge the gap between payments innovation and responsible stewardship of financial transactions.

Speakers: Marla Blow, Associate Director, Cards & Prepaid Markets Division, Consumer Financial Protection Bureau Patti Poss, Chief of the Mobile Technology Unit, Division of Financial Practices, Bureau of Consumer Protection, Federal Trade Commission Moderator: Jason Oxman, CEO, ETA

11:15 am – 12:15 pm

A Mobile Revolution in Retailing PRODUCT/SOLUTIONS TRACK

Session Room 1 Mobile retailing is changing the way people shop.

Learn from traditional and non-traditional payments players at the forefront of delivering and implementing market disruptive mobile solutions that cut operating costs, maximize revenue and build customer loyalty by enhancing the variety, convenience and personal services that motivate consumers to buy.

Speakers: Josh Goines, Director, Business Operations, Retail Services, PayPal Sean Harper, Product Management, Groupon Pranay Kapadia, Head of Product Management, Mobile Payments and Point of Sale, Intuit Mark Self, VP, Solutions Marketing, Retail Industry, NCR Corporation Michelle Tinsley, Director, Transactional Retail, Retail Solutions Division, Intel Corporation

NFC vs. Cloud: The Best Method to Engage Customers and Increase Sales PRODUCT/SOLUTIONS TRACK

Session Room 2 As consumers become more comfortable using mobile devices to make purchases and interact with retailers, merchants are seeking cost-effective vehicles to optimize these new dynamics. Although NFC-based technologies are the most commonly discussed components of mobile commerce, cloud-based mobile services also offer a multitude of features that help merchants find appropriate customers and deliver compelling offers that lead to sales. This session will examine the various elements that comprise both cloudand NFC-based mobile marketing solutions, including prospecting, offer management, advertising, payments, security and loyalty. The session will demonstrate how merchants can leverage these technologies to deliver compelling experiences that can satisfy specific consumer preferences and give retailers numerous touch points with customers.

Speakers: Bill Ramsey, VP and General Manager of Mobile Payments, Apriva Stuart Taylor, VP of Product Management and Marketing, ID Tech Moderator: Dave Kaminsky, Senior Analyst, Mercator Advisory Group

20 May 2013 | Transaction trends

ETA 2013 Annual Meeting & Expo Onsite Program

I N 2013 MOBILE PAY ZONE The one-stop shop for all things mobile!

The mobile economy is undergoing expansive growth, creating exciting opportunities to increase revenue for all involved. ETA is proud to offer the new Mobile Pay Zone this year at the ETA Annual Meeting & Expo. The Mobile Pay Zone within the exhibit floor will bring together a comprehensive offering of mobile-based businesses and partners, offering a targeted exhibiting opportunity to showcase your company’s unique mobile innovations.

Payments Next Zone: OPPORTUNITIES FOR STARTUPS

This new pavilion at the 2013 ETA Annual Meeting & Expo is designed for small companies looking to bring their innovative new electronic payments technology product or service to market. The

Sponsored by:

Payments Next Zone will be the premier destination at the show where media, venture investors and potential industry partners can meet with startups to explore new ideas and innovations to bring innovative financial services to market.

ETA 2013 Annual Meeting & Expo Onsite Program

Transaction trends | May 2013 21

ETA Expo Hall Browse the 2013 ETA Expo to find new partnerships, renew connections, and discover the industry’s latest products and services. There will be more than 100 vendors offering solutions to help you improve your effectiveness and provide you with the tools you need to prepare yourself for the future.

Tuesday, April 30 5:30 pm – 7:30 pm Opening Reception in the Exhibit Hall

Wednesday, May 1 10:30 am – 6:00 pm Exhibit Hall Open 10:30 am – 11:00 am Beverage Break in Exhibit Hall

For the latest Attendee, Sponsor, and Exhibitor information, be sure to download the ETA Mobile App!

12:00 pm – 1:00 pm Lunch in Exhibit Hall Sponsored by

Access Your Free App at

http://eventmobi.com/eta13/ 5:00 pm – 6:00 pm Happy Hour in Exhibit Hall Sponsored by

Thursday, May 2 9:00 am – 1:00 pm Exhibit Hall Open 9:00 am – 10:00 am “Champagne and Beignets Breakfast” in Exhibit Hall Sponsored by

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22 May 2013 | Transaction trends

ETA 2013 Annual Meeting & Expo Onsite Program

VeriFone Joins nBC’s All-stAr CeleBrity ApprentiCe As eXClusiVe MoBile pAyMents proVider

e n t e r to win 2 tiCkets to the liVe FinAle oF All-stAr CeleBrity ApprentiCe. Visit www.verifone.com/celebrityapprentice for entry and rules.

Watch how VeriFone VX 680 helps celebrities raise money for their charities all season long. Š 2013 VeriFone, Inc. All rights reserved. VeriFone, the VeriFone logo and VX are either trademarks or registered trademarks of VeriFone in the United States and/or other countries. All other trademarks or brand names are the properties of their respective holders. All features and specifications are subject to change without notice. Reproduction or posting of this document without prior VeriFone approval is prohibited. NBCUniversal is not a sponsor of this promotion and is not involved in the administration in any way.

Sponsors ETA wishes to express appreciation to these sponsors who have generously supported the 2013 ETA Annual Meeting & Expo.

For the latest sponsorship information, please go to http://www2.electran.org/am13/sponsors/

www.mbncard.com

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