Increase Customer Retention with Electronic Funds Transfer June, 2007

The Market Opportunity 89% of US families have a checking account In 2005, the number of EFT payments increased by 5.3 percent to 3.1 billion More than 50% of all US households use EFT for at least one recurring payment

EFT benefits you Saves time by reducing billing calls Enhances retention Increases PIF Enhanced retention equals more premium

…and your customers No checks to write No stamps to buy No worrying about missed payments With EFT, customers can save three days a year, normally spent paying the average of 20 bills per month (average savings of $85 per year)* 4 out of 5 EFT users say that they are very satisfied with it** Quick, easy and FREE enrollment from www.EFT.Travelers.com * Consumer Automated Clearing House Information Center ** ElectronicPayments.org

Tips for growing your book with Electronic Funds Transfer Evaluate your customer base and segment customers who are not enrolled in EFT Enroll in the One 2 One Program for Travelers to send Automatic Payment Plan direct mail package to customers Send/give customers the EFT enrollment mailer and brochure and follow up with those customers Offer EFT to new customers and existing customers (at renewals, account reviews/annual check-ups) Offer EFT to customers when they call in for billing related questions, such as, “When is my payment due?”

Use Consumer Brochure to Promote Automatic Payment Plans Offers high-level overview of Travelers’ Electronic Funds Transfer payment option Highlights features and benefits of EFT Tips for Use Mail to existing/potential customers

Use Direct Mail to Promote Automatic Payment Plans Direct Mailer Offers high-level overview/benefits of EFT Enrollment form customers can mail back Tips for Use Mail to existing/potential customers

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