Cindy Smith is a master at keeping things plastic. As Zions Bancorporation's svp and director of BankCard Products and Services, Smith has inspired her division to triple revenues over the past three years while increasing operational expenses by only $750,000.

Since Smith joined Zions in 2004, the numbers have been stellar. Credit card sales volume has increased by 36.5 percent; revenue is up by 14.8 percent; and credit card net income grew by 15.7 percent. Debit cards are doing even better, with increased card sales volume of 137.8 percent, revenue increases of 127.3 percent, and net income up by 198.1 percent.

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