1. NORTHWEST CARD ASSOCIATION CARD MARKET NEWS April 23, 2012 PRESENTED BY: Kevin Kok Jack Henry & Associates, Payment Processing Solutions Lesley Hastings The Members Group

2. credit news Consumer Credit Complaints First Data Spend Trend report Credit programs poised for higher profits this year

3. CFPB credit complaints In March, PIN debit surged to yearly highs in dollar volume and transaction growth. As a higher percentage of taxpayers elected to have their tax refunds electronically deposited into their bank accounts this year, it appears they made more discretionary purchases with PIN debit cards instead of credit cards. March Dollar Volume Growth CHANGE-same-store growth Credit +5.7% Signature Debit +8.4% PIN Debit +14.6% Check -2.6%

4. debit news Malauzai Blinx on-off smart toggle

5. emerging technologies GeodeGeode by iCache Retailer designed network

6. prepaid/ gift card news EMV prepaid NFC prepaid - TXviaTXvia Instant Issue at the ATM

7. fraud news Visa Strategy Manager Tanning Salon Chain Adopts Fingerprint Biometrics For Card Payments Global Payments Inc.

8. loyalty news Citibank sends 1099 Points Pay Popular Awards Tricks

9. mobile payment news Mobile payment adoption First Data EMV wireless chip

10. mobile payment adoption study

11. NORTHWEST CARD ASSOCIATION CARD MARKET NEWS April 23, 2012 PRESENTED BY: Kevin Kok Jack Henry & Associates, Payment Processing Solutions Lesley Hastings The Members Group