This document summarizes a presentation on corporate payments and prepaid cards. It discusses how prepaid cards have been widely used for payroll, government/welfare benefits, and incentives in corporate payments. Over 65% of prepaid card spending in 2010 was for government or corporate programs. The value proposition for stakeholders like consumers and employers is outlined. Opportunities for continued growth in both business-to-consumer and business-to-business prepaid card markets are presented, such as for incentives, rewards, and new prepaid payment methods for insurance claims, accounts payable, and government purchasing.

1. The Corporate Landscape--Voices of
Corporate Customers and Identifying
the Drivers and Areas for Growth in
these Markets
Chris Byrd
President and COO
Evolution 1
Thursday, June 27, 2013
Track One—Evolution and Innovation
Deirdre Ives
Managing Director
Citi Prepaid Services
Michael McShea
Vice President, Product Management
Contact Solutions
John Barbella
Senior Vice President
Bancorp Payment Solutions
© 2013 Network Branded Prepaid Card Association

2. Thank You To Our Sponsors
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Presenting Sponsors
Supporting Sponsor Welcoming Reception Sponsor
Associate Sponsors
Founding Sponsors

3. Areas of Focus
• Prepaid and Corporate Payments Today
• Stakeholder Value Proposition
• Opportunities for Growth

4. Prepaid and Corporate Payments Today
• Prepaid has been a staple of corporate payments since the
prepaid industry’s inception.
• Prepaid cards have been used extensively for:
- Payroll - Government/Welfare benefits
- Incentives - Healthcare and Insurance
• In 2010, 65.8% or $99.7 Billion was spent on Government
or Corporate sponsored prepaid cards.
- Source: 2013 MasterCard Commissioned sizing study

5. Prepaid and Corporate Payments Today
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6. Stakeholder Value Proposition
• Consumer
– Immediate access to
funds
– No need or expense to
cash check
– More convenient, secure
and flexible way to
access funds
– Easy reconciliation of
accounts/benefits
• Employer
– Improved payment
reconciliation and controls
– Enhances manual
processes
– Material cost savings
– Transfers
liability/responsibility of
payment claim to issuer

7. Other Benefits
• Few or no fees for cardholder
• Zero liability protection
• High customer satisfaction
• Escheat handled by issuer
• Cards are corporately funded

8. Opportunities for Growth
Business to Consumer
• MasterCard estimates a 17.79% CAGR through
2017.
• Mercator projects a 21% CAGR through 2015.
• Markets currently being served.
- Incentives - Rewards - Disbursement
- Loyalty - Payroll - Claims
- Benefits - Refunds

9. Opportunities for Growth
Business to Business
• Visa projects that B2B payments for insurance claims
will be 5 times B2C payments.
• New prepaid payment methods to consider:
- Virtual payments to service providers
- Accounts payable solutions
- Government purchasing
- Claims payments, etc.
- Source: Visa Inc. U.S. Prepaid Industry Segment Study, 2011
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10. Q & A
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