1. How to Increase the Return on Investment on Your Card Program? The story of Card Customization… Adam Elgar - President, Serverside Group

2. Customization Across Many Industries

3. Consumers Demand Choice…. More and more industries now offer customization to meet consumers demands m&ms allow you to personalize your own chocolate with a photo, image or special message! More and more industries now offer customization to meet consumers demands m&ms allow you to personalize your own chocolate with a photo, image or special message!

4. Snapfish differentiates by allowing consumers to upload photos that can be printed onto calendars, greeting cards and mugs Consumers Demand Choice….

5. Consumer Choice Drives Revenue The marketing of customized products increased sales for the china company Lenox Inc. by 41%

6. Customization Across Many Industries

7. Loyalty Card Customization Starbucks have launched “MY CUSTOMIZED STARBUCKSCARD” to increase the effectiveness of their loyalty program

8. Customization Across Many Industries

9. Capital One Card Customization

10. “We’re...putting consumers in control and offering them choices. We believe choice increases loyalty, which translates into [card] usage.” Pam Girado – Capital One “We’re...putting consumers in control and offering them choices. We believe choice increases loyalty, which translates into [card] usage.” Pam Girado – Capital One Capital One Card Customization

11. Customization Across Many Industries

12. BBVA Compass Card Customization

13. Total PortfolioCustomized Cards% Increase Activation57.8%88.7%54% Usage15.820.127% Retention of accounts is 3% better Higher Customer loyalty and engagement has led to much higher cross sales Retention of accounts is 3% better Higher Customer loyalty and engagement has led to much higher cross sales Card Customization Drives Loyalty BBVA Compass Results “The fact that I made $45 just of the card, incrementally, is a phenomenal thing for me” Rick Claypoole, BBVA Compass Bank

14. Customization Increases Card Usage The following banks have all seen significant increases in card Usage 68% Increase - America First Credit Union (USA) 60% Increase - Blom Bank (Lebanon) 31% Increase - Newcastle Permanent (New Zealand) 15%–20% Increase - Zions Bank (USA)

15. Customization Across Many Industries

16. TSYS invests in Customization “Card personalization increases share of wallet. Personalization is a proven strategy for increasing an issuer’s share of wallet” TSYS White Paper: “On-Demand Payment Cards and Personalization” by George Wolbert “Card personalization increases share of wallet. Personalization is a proven strategy for increasing an issuer’s share of wallet” TSYS White Paper: “On-Demand Payment Cards and Personalization” by George Wolbert

17. Customization Works for All Cards “Value proposition of personalization extends to all payment cards....Credit Cards...Debit Cards...Prepaid and Gift Cards” TSYS White Paper: “On-Demand Payment Cards and Personalization” by George Wolbert “Value proposition of personalization extends to all payment cards....Credit Cards...Debit Cards...Prepaid and Gift Cards” TSYS White Paper: “On-Demand Payment Cards and Personalization” by George Wolbert

18. Customization Across Many Industries

19. Zero Integration

20. World Leader in Card Customization

21. Thank You

22. Customization Across Many Industries