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ATM & Mobile Innovation Summit; Washington DC — September 2015 Michelle Evans is scheduled to moderate a panel discussion on the top trends in mobile technology. MOBILE TECH ISSUES & TRENDS Michelle Evans, Senior Consumer Finance Analyst, EUROMONITOR INTERNATIONAL This panel discussion will explore the top trends in mobile tech, M&A, security and new products around the globe. Learn more about the panel discussion here: http://bit.ly/1z6z9Hm.

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ATM & Mobile Innovation Summit; Washington DC — September 2015

Michelle Evans is scheduled to moderate a panel discussion on the top trends in mobile technology.

MOBILE TECH ISSUES & TRENDS

Michelle Evans, Senior Consumer Finance Analyst, EUROMONITOR INTERNATIONAL

This panel discussion will explore the top trends in mobile tech, M&A, security and

new products around the globe.

Learn more about the panel discussion here: http://bit.ly/1z6z9Hm.

Mobile Research Summit; New York, New York — June 2015

Michelle Evans is scheduled to deliver a presentation on mobile payment trends at this mobile-focused conference.

The Five Trends Shaping Mobile Payments Today

Michelle Evans, Senior Consumer Finance Analyst, EUROMONITOR INTERNATIONAL

The payments industry is slowly reaching a tipping point as more and more consumers are introduced to the mobile payments concept for the first time. This presentation will

provide an overview of the current state of the mobile payments market and the potential growth trajectory of this fast-rising area of payments.

Cartes Secure Connexions America; Washington, DC — May 2015

Michelle Evans is scheduled to deliver 30-minute presentation at this conference held in Washington DC. She also was sought

out to chair the mobile payment portion of the conference, which involves not only content selection, but also moderating that

particular track at the conference. In addition to these roles, she has been invited to serve on Cartes America’s first-ever

Advisory Council and on the jury of the Sesames America Awards.

Track: Mobile Payments: Security First

The Five Trends Shaping Mobile Payments Today

Michelle Evans, Senior Consumer Finance Analyst, EUROMONITOR INTERNATIONAL

The payments industry is slowly reaching a tipping point as more and more consumers are introduced to the mobile payments concept for the first time. This presentation provided an overview of the current state of the mobile payments market and the potential growth trajectory of this fast-rising area of payments.

Learn more about the conference here: www.cartes-america.com

Card Forum & Expo; Chicago, Illinois — April 2015

Michelle Evans joined other panellists in a discussion of the state of the mobile payments industry and future prospects.

Track: Apple Pay and the Mobile Wallet

ASSESSING THE COMPETITIVE LANDSCAPE & EXPECTATIONS FOR THE PATH TO ADOPTION

Michelle Evans, Senior Consumer Finance Analyst, EUROMONITOR INTERNATIONAL

Examining the various competing mobile payment platforms out there from a consumer perspective.

Apple Pay and Google Wallet tend to get a lot of media attention, what is the impact of other options either available or in development that could be used (PayPal, LevelUp, MCX CurrentC, Samsung Pay, OpenTable, Cover, TabbedOut, white-label/branded apps like SBUX, etc)?

Why do consumers choose the platforms/wallets they use? Can all these different platforms co-exist? Do they help spur adoption or are

they an impediment? What about merchants and financial institutions? What considerations come

to mind when assessing what methods to accept/companies to partner with? What does the future look like?

Learn more about the 45-minute presentation here: http://bit.ly/1wVULoK.

Cartes Secure Connexions Asia; Hong Kong — March 2015

Michelle Evans is scheduled to deliver 30-minute presentation on trends shaping the mobile payments industry at this

international conference held annually in Hong Kong. In addition, she was sought out to chair the mobile payment portion of

the conference, which involves not only content selection, but also moderating that particular track at the conference.

Track: Mobile Payments & Services

From Cards to Mobile: The Five Trends Shaping Mobile Payments Today

Michelle Evans, Senior Consumer Finance Analyst, EUROMONITOR INTERNATIONAL

This presentation will examine the five key trends shaping the emerging mobile payments industry today.

Learn more about the programming here: http://bit.ly/CartesAsia.

*** This conference was cancelled due to the ongoing student protests in Hong Kong.

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Cartes Secure Connexions; Paris, France — November 2014

Michelle Evans delivered two 30-minute presentations at this international payments conference held annually in Paris. In

addition to delivering two standalone presentations, she was invited to chair a portion of the conference, which involves not

only content selection, but also moderating that particular track at the conference.

Track: Instant Issuing and Personalization: What’s New?

From Cards to Mobile: The Five Most Impactful Trends in Payments Today

Michelle Evans, Senior Consumer Finance Analyst, EUROMONITOR INTERNATIONAL

This presentation examined key payments trends, including mobile and alternative payment providers, and their impact on the industry’s prospects.

Track: Instant Issuing and Personalization: What’s New?

How Loyalty May be the Key Component of Personalization

Michelle Evans, Senior Consumer Finance Analyst, EUROMONITOR INTERNATIONAL

The goal of this session is to educate the audience on the changing role of personalization and how loyalty may surface as the key usage driver with the arrival of emerging payment products.

Learn more about the programming here:

http://www.cartes.com/Conference/2014-Conference-Programme.

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Card Forum & Expo; Orlando, Florida — April 2014

Michelle Evans delivered a 45-minute presentation about the issues surrounding consumer adoption and whether loyalty driven

initiatives could help spur interest and usage.

Track: The Mobile Wallet

LOYALTY AS THE KEY DRIVER FOR MOBILE PAYMENTS ADOPTION

Michelle Evans, Senior Consumer Finance Analyst, EUROMONITOR INTERNATIONAL

In order to encourage wider adoption and ensure high usage, mobile payment players will have to provide a value add, which could come in many forms, including monetary savings, improved security, ease of use or increased loyalty. Of all these potential benefits, mobile-driven loyalty could be the greatest factor with the potential to drive consumer adoption of mobile payments. Although still very much in the early days, the integration of mobile wallets with value-added services has become almost a prerequisite for the success of any mobile payment app. Loyalty has been shown to be an important factor in driving consumer payment choice in the past when it comes to card payments and will be just as an important in the mobile revolution.

Learn more about the 45-minute presentation here: http://bit.ly/1ehlXib.

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American Banker and PaymentsSource Webinar — November 2013

Michelle Evans appeared as a panellist on a webinar hosted by American Banker and PaymentsSource about the increasingly crowded

POS terminal and how traditional payment players can remain competitive.

Learn more about the webinar here: http://bit.ly/19kyCn6.

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Medios de Pago (Methods of Payments) Latam Summit; Miami, Florida — July 2013

Michelle Evans delivered a 45-minute presentation about payment trends in Latin America at this conference that entirely

focuses on trends and developments in the Latin American payment landscape.

Hear Us Speak at Payments Services Latam Summit

Date: 23-25 July, 2013

Location: Eden Roc Renaissance, Miami Beach, FL, USA

Join consumer finance analyst Michelle Evans as she discusses the panorama of payment methods in Latin America. The Latin American cards market has grown tremendously over

the last few years and growth is expected to continue. In this session, Evans will discuss the specific types of cards and the factors driving growth, as well as the unique challenges

facing the region.

Payments Services Latam Summit covers strategic aspects of mobile financial services, marketing financial products, relationship management and loyalty programs among other vital issues to achieve operational efficiency of the sector.

Learn more about the 45-minute presentation here: http://bit.ly/YKeVzS.

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Card Forum & Expo; Boca Raton, Florida — April 2013

Michelle Evans delivered a 45-minute presentation at this annual spring payments industry conference about how retailers

across the global are increasingly encroaching on the traditional payments landscape.

Track: Card Trends and Opportunities

RETAILERS ENCROACH ON THE PAYMENTS LANDSCAPE

Michelle Evans, Consumer Finance Analyst, EUROMONITOR INTERNATIONAL

This session explores the changing role of the retailer in the payments ecosystem and identifies macro trends that are evolving the payment experience for consumers, merchants and card players.

The goal of this session is to educate the audience on the companies and technologies at the crossroads of payments and retailing. The session also will pinpoint the opportunities and challenges this evolving alliance could bring to merchants and card payment players and how they might leverage their ties to create opportunities in infrastructure development, loyalty programs and alternative payment methods.

Learn more about the 45-minute presentation here: http://bit.ly/NlRauf.

Access a shortened version of the presentation file here: http://bit.ly/1cBtawB.

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ATM, Debit & Prepaid Forum; Phoenix, Arizona — October 2012

Michelle Evans led a two-hour workshop about alternative payment providers disrupting the traditional payment landscape and

the threats they pose to traditional payment companies at this premier conference for the payments industry.

WORKSHOP B: ALTERNATIVE PAYMENT PROVIDERS DISRUPTING THE PAYMENT LANDSCAPE

Michelle Evans, Consumer Finance Analyst, EUROMONITOR INTERNATIONAL

Attendees will learn about the most disruptive companies and technologies in the payment space in the near term and the likelihood of them gaining adoption. The session also will pinpoint the effect disruptors will have on bank issuers and card networks, as well as the strategies taken by others to defend against these players.

Key points addressed during the workshop include:

The new payment technologies that are rapidly evolving the way a consumer pays and serving as the catalyst for a potential upheaval of the now bank-dominated payment landscape

Highlight the convergence of payment and non-payment companies in the industry and the entry of mobile carriers, mobile phone manufacturers and internet payment providers in products like Isis and Google Wallet. Discuss how many retail banks are forming partnerships with new members of the mobile value chain to build capacity, agree on standards and design and deliver solutions.

Examine the potential of companies like PayPal to become a major force in this space due to their ability to monetize their advertising potential more effectively than traditional players and to circumnavigate card networks entirely by connecting directly to consumer bank accounts

Discuss how closed-loop systems like, Apple’s iTunes product or Starbuck’s iPhone application linked to closed loop prepaid accounts have the potential to shake up the space, if these players expand micro-payments or change the system so it debits directly from consumer bank accounts

Learn more about the two-hour workshop here: http://bit.ly/W5y0eQ.

Access a shortened version of the presentation file here: http://bit.ly/1fjnfPr.