ENTRUST DATACARD CASE STUDY CUSTOMER PROFILE Celebrating 80 years of banking, Team One Credit Union has a long history of providing affordable loans and services for families and businesses throughout Michigan. It was originally formed in 1935 as Saginaw Teachers Club Credit Union by 15 teachers as a place where educators could receive financial assistance at reasonable rates. The subsequent name change to Team One reflects its growing and diverse membership today — as well as its dedication to delivering the new services, technologies and financial products its member families and businesses need to thrive. Through the years, Team One has seen tremendous growth in its assets, loans and branch facilities. TEAM ONE CREDIT UNION BOOSTS CUSTOMER SATISFACTION AND LOYALTY WITH INNOVATIVE INSTANT ISSUANCE STRATEGY CHALLENGE: The credit union recognized the importance of attracting and sustaining loyal members and looked to introduce new innovative product offerings. SOLUTION: An instant issuance strategy featuring Datacard® CardWizard® issuance software and Datacard® instant issuance hardware. RESULTS: The credit union has seen a 10 percent increase in card usage as a result of implementing an instant issuance solution. ENTRUST DATACARD CASE STUDY Percent increase within one year timeframe 20% 10% "We are very pleased to have implemented Entrust Datacard’s instant issuance technology. We have seen a tremendous interest from our members for the customized photo option. Personalized instant issuance is allowing us to be very innovative and offer members a service that they previously could not get. Team One has received tremendous exposure by word of mouth throughout the community and the card program is becoming very popular." 16% 15% 6% 5% 3% 5% 0% Credit Card Sales Volume Growth Debit Card Sales Volume Growth Credit Card Account Growth Debit Card Account Growth Instant Issuance Benefits • Immediate activation/usage • Customers can select their PIN number privately and securely • The cost to produce and mail cards is eliminated • Lost/stolen cards can be replaced quickly and affordably • Increased customer loyalty and retention • Increased debit card program participation • Competitive advantage in the marketplace - Dana Tell, Vice President of Marketing for Team One Credit Union ADVANCED TECHNOLOGY EMPOWERS CONSUMERS To stay competitive, companies are regularly looking to predict consumer trends. And, with the advancement of technologies, consumers are demanding top-notch services tailored to fit their needs — including convenience, faster turn-a-round times, lower prices and personalized products. More than ever, companies need to find ways to set themselves apart from the competition to ultimately increase consumer satisfaction and drive loyalty. Financial institutions have seen debit and prepaid card usage increase anywhere from 14 percent to 21 percent annually. And with consumers demanding more from their brands in return for their loyalty, businesses in the financial market need innovative ideas to capitalize on this card usage growth. By creating an instantly gratifying, long-lasting and memorable experience — financial institutions can seamlessly align their needs with customer needs. CREDIT UNION PROVIDES "MEMORABLE" SERVICE Team One Credit Union has branch locations throughout Michigan. Continually striving to offer the latest, innovative products and services, Team One Credit Union serves over 39,000 people and has an asset size of $422 million. In early 2010, Team One Credit Union recognized the need to ensure customer satisfaction with new and modern products and services. This would not only retain current members, it would also attract potential members through their thought leadership. CONNECT WITH US EVERYWHERE Entrust Datacard and the hexagon design are trademarks and/or service marks of Entrust Datacard Corporation in the United States and/or other countries. ©2015 Entrust Datacard Corporation. All rights reserved. FS14-3102-003 Demonstrating that leadership, Team One Credit Union developed their own custom online card application, Picture My Card (www.picturemycard. com), that could be used in-house or offered to other credit unions. It enables members to upload their personalized photos to their website so that they can place them on their credit/debit card. In addition, they chose to implement instant issuance, so that when members walked into a branch to receive their personalized card, it could be printed on-demand. After consulting with Entrust Datacard, Team One Credit Union decided to implement Datacard® CardWizard® issuance software and Datacard® instant issuance hardware. By leveraging this technology, the credit union would be able to offer personalized images via their online application. Once the member chose their background, Entrust Datacard® solutions would then print and personalize them at the branch and cardholders could use these personalized cards immediately. Today, depending on their preference, members select either an image from the stock gallery or upload an image on the credit union’s Picture My Card program. The Datacard® CardWizard® software then transfers all personalization data fully encrypted to the instant issuance hardwares which quickly and securely prints in high-definition color onto both sides of white blank card stock — the personalized unembossed card. Now celebrating 80 years in business, Team One Credit Union provides an unforgettable, personalized instant issuance experience to their members, outranking the competition and strengthening their cardholder loyalty. THE RESULTS SPEAK FOR THEMSELVES In the few years since the program launch date, Team One Credit Union has experienced a 10 percent card usage increase. More than 50 percent of their members now include imagery on their cards, with 27 percent of these images being personalized photos.