the a program that increases credit lines allows for the growth of transactions and balances. Think of it this way, you can't ask for more spending if your cardholders don't have any room for it. Additionally, regular acquisition promotions can increase the card base's size. Annual percentage rate usage promotions increase activity. Balance transfers can pull those balances to your card from your competition, and skip-pay campaigns help maximize revenue. PaymentsEdge card marketing finds the most promising parts of your portfolio and the weak spots that need attention-with full support from campaign creation to fulfillment. You'll know exactly where to focus your credit card marketing efforts to convince cardholders to use your services and their cards more. We also regularly test new segment groups and the constantly changing environment throughout the year. Every campaign is thoroughly vetted before it's included in the calendar. Everything we run through the PaymentsEdge program is tried-and-true. STEP 2: CONSISTENTLY EXECUTE MARKETING PROGRAMS Regular communication and promotion keep your cards top of mind and top of wallet. Your marketing messaging can drive activation and usage. This is where timely and tailored messaging and imagery come into play. The key is delivering messaging that's relevant and includes eye-catching images. Another essential factor is attractively representing diversity, various demographics and aspirational images to increase response. The pandemic certainly changed the spending environment. Debit and cardnot-present transactions increased, and consumers shopped extensively from home rather than visiting brick-and-mortar stores. Marketers in all industries walked a thin line on how to approach their campaigns, yet the underlying marketing principles proved durable. For PaymentsEdge, we moved away from images depicting travel or in-restaurant dining to images of people shopping online or packages delivered on doorsteps. Marketing