Deposit Access Stragegy - Future Vision

Product Category - Debit is a mainstream product category in terms of awareness and usage

Brand Leverage - VISA is the acceptance mark on Member-branded debit cards, enhancing the Member brand

Member Profitability - Visa debit products provide incremental Member profitability vs. cash and checks

Processing - Visa has a flexible, integrated solution for Member processing requirements

Relationship Card - Visa product offerings provide flexibility to meet the unique needs of each market or customer (Relationship Card)

Multiple POS Programs - Multiple POS programs are not needed for Member-branded deposit access cards carrying the VISA acceptance mark

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