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February 27th, 2008 Featured Reports “Banks and credit unions need to remain on the cutting edge of online service offerings in order to retain and deepen the relationships they have with their Superstar Financial Managers, the highly valuable customers that both bank and pay bills online.” (Page 9) Online Banking Behavior Segmentation: A Behavioral Approach to Improving Adoption Facing a plateau in the adoption of online banking, banks and credit unions are presented with the challenge of devising innovative ways of moving more consumers online, increasing the frequency of online banking usage among existing users and engaging users in additional online banking services that benefit both bank and consumer, such as online bill pay, paperless statements and online banking personal financial management. In this report, Javelin identifies three online behavior-based segments derived from extensive Javelin data that banks and credit unions can use as a base in defining better targeted efforts at increasing desirable behavior. Download the Report Brochure or Purchase the Report “The number of annual victims dropped 300,000 in 2008 to 8.1 Million US Adults.” (Page 5) 2008 Identity Fraud Survey Report: Identity Fraud Continues to Decline, But Criminals More Effective at Using All Channels The Javelin 2008 Identity Fraud Survey Report provides a detailed, comprehensive analysis of identity fraud in the United States in order to help consumers and businesses better understand the effectiveness of methods used for its prevention, detection and resolution. A nationally representative sample of over 5,000 US adults, including 445 fraud victims, was surveyed via a 49-question phone interview to gain insight into this crime and the effects on its victims. This report is issued as a longitudinal update to the Javelin 2005, 2006, and 2007 Identity Fraud Survey reports. Download the Report Brochure or Purchase the Report SPECIAL POWER PACK OFFERS: Take advantage of Javelin's special Power Pack offer for the Online Banking Behavior Segmentation report, which includes: the full report, the complete slide deck, and the March 4th webinar featuring analyst Jean Garascia reviewing key findings. Total package is $1,900, a 20% savings. Email Javelin or contact us at (925) 225-9100 Ext. 35 Online Banking Report Bundle $1,000 719.F_Online Account Opening Adoption Forecast $1,250 716.F_Financial Institution Blogs $1,750 714.F_2007 Online Banking and Bill Payment $950 706.F_Account Onboarding $950 703.F_Email Marketing List Price Total $5,900 Promotion Price $3,540 Payments Report Bundle $1,250 704.P_Expedited Payments $950 710.P_Payments Interchange $1,200 713.P_Mobile Payments Forecast $1,500 720.P_Online Payments Forecast $1,500 727.P_Gen Y Payments Behaviors and Attitudes List Price Total $6,400 Promotion Price $3,840 True/False Quiz • Habitual bankers see the online channel as a necessity. • 56% of Online Averse Bankers believe that banking online and turning off paper statements will result in loss of control over personal finances. • Existing card accounts fraud is the most difficult fraud type to commit. True False Results Javelin Calendar Upcoming Reports in March and April • 2008 Mobile Scorecard Report • P2P Mobile Payments Report • 2008 Card Issuers' Identity Safety Scorecard Upcoming Webinars • Behavior Analysis of Online Bankers Webinar - March 4th, 2008 at 10:00AM PT/1:00PM ET - Javelin Speaker: Jean Garascia and Mary Monahan • Credit Card Acquisition and Account Management Webinar - March 18th, 2008 at 10:00AM PT/1:00PM ET - Javelin Speaker: Bruce Cundiff • 2008 Identity Fraud Survey Report Webinar - April 1st, 2008 at 10:00AM PT/1:00PM ET - Javelin Speaker: Rachel Kim Contact webinars@javelinstrategy.com to register for any of the webinars. No additional charge to subscribers or Power Pack purchasers. All others: $250.00 *All Major Credit Cards Accepted Upcoming Conferences • Consumer Deposits Conference by the Consumer Bankers Association - March 3rd-5th, 2008 - Javelin Speaker: Bruce Cundiff • 6th Annual Merchant Risk Council Conference by the MRC - March 4th-6th, 2008 - Javelin Speaker: James Van Dyke • 13th Annual Best Practices in Retail Financial Services Symposium by Source Media - March 9th, 2008 - Javelin Speaker: Jean Garascia • 20th Annual Card Forum & Expo by Source Media - April 6th-8th, 2008 - Javelin Speaker: Bruce Cundiff Javelin's Recent Blogs ID Theft/Fraud: Rising or Declining? - Author: James Van Dyke, President and Founder Yeah, but how much do I get from this Visa IPO? - Author: Bruce Cundiff, Research Director How do we know what we know? - Author: Stephen Knighten, Associate Analyst About Javelin Javelin is the leading provider of nationally-representative, quantitative research focused exclusively on financial services topics. Based on the most rigorous statistical methodologies, Javelin conducts in-depth primary research studies to pinpoint dynamic risks and opportunities. Visit the company at: www.javelinstrategy.com. Click Here to find out How We Are Different.

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