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We expect 2008 to be a year of robust activity in plastics that will include expanded capabilities as well as continued growth for credit unions that wisely choose to invest in their portfolios. As CEOs look for ways to build revenue and reduce expenses, we anticipate greater usage of automated risk-based pricing that takes into account each individual cardholder’s actions and relative risk. Fraud management will continue to be a primary concern as credit unions strive to offer their members the best preventative and protective technologies available. And, despite congressional hearings on potential regulation of interchange fees, most industry analysts believe that no action will be taken.

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