CDHC EXPO CONFERENCE DAY THREE: Wednesday, March 5, 2008

Morning Breakfast SPONSORED BY

COMBINED GENERAL SESSION WITH THE PREPAID CARD EXPO

From 2002 to 2006, Dr. Richard Carmona served as the 17th Surgeon General of the United States, drawing on his extensive experience in public health, clinical sciences, health care management, preparedness and his commitment to prevention as an effective means to improve public health and reduce health care costs.

As a proponent of preventive health measures and practical solutions, Dr. Carmona will discuss his views on the overall health of the nation, how health and wellness programs can help to reduce the overall costs of health care, and possible solutions to health threats and diseases around the globe. He will also discuss actions that can be taken by individuals and employers to ensure healthier lifestyles and will discuss his views topics related to increasing health literacy and eliminating health disparities.

Dr. Richard H. Carmona, 17th Surgeon General of the United States (2002-2006)

One of the leaders in the mathematics revolution in business management, Jeff was part of the MIT team of students who beat the casinos in Las Vegas, featured in the best-selling book Bringing Down the House, which is being filmed right now as one of the biggest films for 2008 ("21" will star Kevin Spacey, Kate Bosworth, Laurence Fishburne and many others). He founded and now runs ProTrade, a company that uses quantitative analysis to develop new performance metrics in assessing talent value and winning probabilities for professional sports. His presentations look at how combining seamless team work, highly developed communications skills and mathematics is vastly improving effectiveness of organizations and helping leaders make better decisions and executive business much more effectively.

Both at the blackjack table and in the world of pro sports, Ma has been able to enter what were traditionally very emotional, "gut-feel" environments and achieve success by gathering the right data, analyzing it rationally, and having the courage to follow through on the answers it provided. Jeff will discuss how to use this same quantitative-analysis approach to improve your business decisionmaking and your firm's bottom line.

Jeffrey Ma, Feature of the bestseller Bringing Down The House (a major motion picture in 2008), and Co-Founder, PROTRADE

Prepaid cards have quickly emerged as a preferred payment vehicle to replace cash and check transactions in the United States, providing end users with an enhanced, convenient and secure way to pay. The opportunity for prepaid is exploding around the world: while the lion's share of activity is still taking place in the US, growth opportunities abound in other regions. This growth is driven by new technologies such as reloadable networks and mobile payments, as well as by innovative programs that help facilitate financial inclusion and the disbursement of government funds. In this address, you'll hear about global strategies and tactics for building on the success of prepaid programs in the United States to enter new markets and reach new customers.

Laura Kelly, Senior Vice President, Global Prepaid Product Development and Management, leads MasterCard's efforts to develop and deliver prepaid program solutions to the global marketplace that enhance customer profitability and differentiate MasterCard. With direct oversight of MasterCard's prepaid business operations, Kelly is responsible for ensuring that MasterCard, its customer financial institutions and partners, succeed and benefit from prepaid program innovation and growth.

Laura Kelly, Senior Vice President, Global Prepaid Product Development and Management, MASTERCARD

Lunch for Conference Attendees and Speakers, SPONSORED BY

General Session SPONSORED BY

• Program hierarchies
• Price transparency
• Payment flows
• Rollover payments
• Lines of credit
• Configuring multiple purses
• User account selection
• Member payments via prepaid debit cards

Chris Byrd, EVP, EVOLUTION BENEFITS

Mark J. Schmersahl, Vice President of Sales, Marketing, and Operations, BENEFLEX

• Criteria for determining whether you should enter or stay in the CDH or health banking market?
• Defining the drivers for revenues and margins, and analyzing trends for fees and rates
• To build or buy: Should you outsource or develop your own technology functionalities?
• Strategies for differentiating competing vendors to ascertain their true capabilities
• Methods for leveraging your core systems for scalablity/stability/security
• Determining the benefits and best practices for outsourcing accounts in full to an outside processing service

Moderators:

Kirsten Trusko, Sr. Manager, Insurance, BEARING POINT

James Dean, Sr. Manager, Banking, BEARING POINT

Panelists:

Daniel Kelly, SVP, Health Savings, US BANK

Susan E. Grathwohl, Vice President, FIFTH THIRD BANK

Todd Berkely, VP, Account Based Solutions, EXANTE

• Provide comprehensive plan information securely to ensure employee confidence in the confidentiality of their personal data
• Offer health education information across the Web or through electronic documentation to reduce paper and mailing costs
• Leverage external tools and educational information to help employees learn more about health care and can monitor their own health
• Managing disclosure and liability issues to ensure compliance with all relevant rules, including the new non-discriminatory Department of Labor HIPAA rules

Jeff Fritz, President & CEO, LIGHTHOUSE1

John Shade, Senior VP of Benefit Services, CERIDIAN BENEFITS SERVICES

Create Your Personalized Expo

• Increase CDHC plan adoption rates through effective education

• Design and deploy wellness programs your employees will actually use
• Plus! Choose the right CDHC plan for your employees and the bottom line

• Creating price transparency and streamlining claims adjudication to build consumer trust

• Define stakeholders' optimal roles and responsibilities to ensure a streamlined CDHC plan
• Plus! Managing technical integration issues to create a streamlined, cost-efficient CDHC offering

• Leveraging Internet and Web-based health information to help you make the right healthcare and financial decisions

• Making sense of regulatory updates and legal issues to ensure plan compliance

• Identify the Market's Drivers, Challenges, and Opportunities to help you select partners, vendors, and targets