Simplifying Government Disbursements. Dominic Venturo
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1 Simplifying Government Disbursements Dominic Venturo Senior Vice President October 5, 2007
2 U.S. Bancorp Overview NORWAY CANADA SWEDEN IRELAND UNITED KINGDOM DENMARK NETHERLANDS BELGIUM GERMANY POLAND FRANCE AUSTRIA SPAIN ITALY Metropolitan and Community Banking 2,499 banking offices in 24 states Specialized Services/Offices Commercial Banking Consumer Banking Commercial Real Estate Corporate Banking Payments UNITED STATES Wealth Management Technology and Operations Services Payment Processing Nationally and in Europe Dimensions Q Asset Size $223 billion Deposits $120 billion Loans $146 billion Customers 14.2 million NYSE Traded USB Market Value $57 billion Founded 1863
3 Payment Services Transaction Services 5% Revenue Mix Corporate Payment 12% Retail Payment Solutions 51% Merchant Processing 32% Business Units Retail Payment Solutions Corporate Payment Systems Transaction Services Merchant Payment Services Business Line Scale Top 2 fleet card issuer and largest freight payment provider Top 3 network of owned ATMs Top 3 U.S. merchant acquirer Top 4 European merchant acquirer Top 4 commercial card issuer Top 6 debit card issuer Top 7 general purpose retail credit card issuer 2Q07 YTD
4 Simplifying Government Disbursements The Problem State agencies remitting funds to consumers via check Consumers paying fees to cash checks The Solution Complete remittance for all recipient types ACH, Check, and Prepaid (ReliaCard)
5 ReliaCard Overview Government Agency, Visa-branded, prepaid debit card Replacement or alternative to costly paper checks Leverages existing ACH funding process Provides recipients the convenience and security of a Visa-branded card product, but no credit is extended Recipients have access to only the funds that have been distributed by the agency Cardholders have virtually unlimited access to their funds (ATM, Teller, POS)
6 ReliaCard Overview Pilot launched in Colorado Department of Human Services Child Support Enforcement First use of an association-branded card for the facilitation of child support payments in US. Today, 13 states and 17 individual agencies are utilizing the ReliaCard program for regularly recurring payments Current uses include child support, unemployment insurance, temporary assistance for needy families (TANF), and subsidized child care
7 U.S. Bank ReliaCard Programs
8 Access to Funds is Key
9 Provider and Agency Roles Role of Provider Manage project and marketing plans Co-design and create marketing materials Create accounts & issue cards Provide cardholder customer service Provide administration tools Assist with staff training Role of Agency Co-design and distribute marketing materials Provide account enrollment information to U.S. Bank Fund card accounts using ACH Resolve payment eligibility questions
10 Benefits to Cardholders and Agencies Primary Benefits for Cardholders Funds arrive quickly, dependably, and securely Can be a completely cost free way to access money No credit approval, bank account, or previous banking relationship required Card is easily replaced if ever lost or stolen FDIC insured up to $100,000 per cardholder account Primary Benefits for Government Agencies Reduced check expenses Bank manages escheatment and risk Implemented with minimal resources Increased recipient satisfaction 10
11 Enrollment Overview Enrollment information via Batch file transmission or secure website
12 Funding Process
13 Marketing Support is Critical Program Specific Multi-lingual Enrollment
14 Marketing Support is Critical Check Inserts Location Flyers
15 Customer Service Channels
16 Card v. Check Success Case study across 3 programs 4-9 month to full roll out Check Electronic
17 Results in Strong Growth Load Volume
18 Government Disbursements Summary Cards are only one aspect of disbursement needs Agency plays key role in supporting and promoting Comprehensive marketing support improves success Multi-lingual consideration
19 Thank You! Dominic Venturo Senior Vice President Chief Innovation Officer U.S. Bank Retail Payment Solutions 2751 Shepard Road EP-MN-BB1P St. Paul, MN (651)
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