This document discusses card-linked offers and rewards programs offered by several large financial institutions. It provides statistics on the estimated revenue and transaction volume generated by these programs in 2015. It then describes how a card-linked offers program can help community banks by making their cards more relevant to customers, growing deposits, and increasing interchange revenue through targeted offers and rewards. The document outlines the customer experience, including enrollment processes, accessing rewards and offers online or through a mobile app, and redeeming rewards. It also covers how the program links local merchants to a bank's customers and ensures offers are relevant to their lifestyles.

1. Loyalty Has its Rewards
FINANCIAL INSTITUTIONS
Card-Linked-Offers

2. Current adopters in the industry
• Bank of America (BankAmeriDeals)
• U.S. Corp (FreeMoney)
• Sovereign Bank (Sovereign Rewards)
• Ally Bank (AllyPerks)
• PNC (PNC CashBuilder)
• Region Bank

3. By the numbers: Merchant-Funded Incentives by 2015
$1.7 BILLION
Estimated annual revenue from the incentives for card issuers
$115 BILLION
Est. dollar volume of transactions resulting from the programs
460 MILLION
U.S. cardholders est. to subscribe
140 MILLION
U.S. subscribers expected to actually redeem incentives
Source: Aite Group LLC

4. How we help community banks
1. Making your bank card the most relevant
in their wallets
2. Grow your deposits
3. Increase your Interchange Revenue
4. Reach new bank customers through the
latest local channels, including mobile
technology
5. Build a loyal community client base

5. Cardholder Rewards
We Link Your To Local Offering
Cardholders Merchants Rebates/Rewards
We bring relevant offers to your client base

6. Cardholder Enrollment
and Experience
Customizable for Financial Institutions

7. Enrollment with Bank’s website
The Financial
Institution
REWARDS webpage
will be auto-saved
Cardholders can be routed to Financial Institution(s) as “their location”
Rewards page(s) depending on the initial selection they next time they visit
made and if they have multiple branches.

8. Enrollment with Bank’s website
A secured
enrollment
webpage will be
provided to the
bank. (embedded
or new browser)
Enrollees to the Keeping It Local rewards program will be able to
access a user interface with reward history, shopping tips, FAQs and
customer support.

9. Customizable Rewards webpage
Our platform is customizable to your banks branding and
location of your branches
Cardholder Experience
We can match your
website color scheme
and branding, for familiar
customer experience.
We can also provide
multiple skins for
multiple branch
locations

10. Instant in-store Rebates
Our proprietary “point of sale” app is turn-key upon linking
local merchants onto your cardholder rewards program.
Cardholder Experience
Financial Institution
cardholders simply use
their Financial Institution
card to receive instant in-
store rebates at
participating merchants

11. Online Local Offers
Our payment platform allows us to take payment on behalf of
participating merchants.
Cardholder Experience
Financial Institution
cardholders enjoy special
online offers, purchased
online and redeemed in-
store with the Financial
Institution card

12. Time Sensitive Offers
Merchants looking to boost sales will offer your cardholders
unique products at special pricing.
Cardholder Experience
Financial Institution
cardholders purchase
online and redeem in-
store with the Financial
Institution card

13. Cardholder Charities
• Financial Institutions
cardholder will have the
ability to donate a portion of
their rebates to a
participating charity and/or
non-profit
• Participating charities/non-
profits may be selected by
Financial Institutions or
cardholders may request for a
specific community
organization to be considered

14. Linking Local Merchants
we match your cardholders with local relevant merchants

15. 1. We select the most relevant merchants by your branch
1. We link those merchants to your banks reward page
1. Financial Institution cardholders get rebates directly back
to their checking accounts
Making Your Card
Top-of-Wallet!

16. Relevant Merchants
Financial Institution cardholders in
their communities ask for relevant
merchants that meet their needs
Businesses that meet the Lifestyles of
your cardholders in your community
Financial Institution cardholders in
other branches, may ask for
experiential activities such as Wine
Tasting.
Offers that meet the Lifestyles of your
cardholders.

17. iPhone/Android store locator
We currently support the
Safari browser on iPhone
(and iPad and iPod) as
well as the Android
browser.
The greatest feature of
this application is that it's
tied directly to the back-
end of the enterprise
mapping application. Any
updates made to store
locations on the web or
back-end are also utilized
to feed this mobile
interface.

18. Mobile Merchants
• Keeping It Local understand that the mobile Web adoption
explosion is bringing unique ways to deliver value to shoppers.
• We do not take a “one-size-fits-all” approach to mobile, rather
we engage with the most valuable shoppers in a meaningful way.

19. Rewards through Rebates
reward your cardholders through ACH deposits!

20. Merchant
Your cardholders
receive instant
rebates Cardholders
Rebates are automated and deposited
directly into cardholders accounts making it
immediately accessible.
This makes your card one of the most
important cards, in their wallets.

21. Redeem Online Specials & Pre-sold Offers
» Financial Institution cardholders
can redeem pre-sold items or offers
by simply using Financial Institution’s
existing issued (Visa or MasterCard)
cards at merchants Point of Sale

22. Access Anywhere Rewards
» Financial Institution cardholders
can verify rebates, rewards and
rebate amounts through
multiple platforms, including
online or mobile

23. About the Platform
• The platform where the Keeping It Local rewards are issued, is
a PCI DSS (Payment Card Industry/ Data Security Standard)
validated and compliant platform that adheres to all the
requirements allowing it to handle cardholder information
and processing of transactions for the major
debit, credit, prepaid, ACH, ATM and POS cards.
• Our processor goes through an annual in-depth audit of their
control objectives, control activities, including controls over
information technology and related processes in accordance
with SSAE 16 AUDIT

24. Minimal Integration, Minimal Risk
• Keeping It Local does not require integration
with your “core processor” or platform.
• As a result there are no related information
security risks
• No integration is required since we only
provide rebates/rewards (credit via ACH) back
to your financial institution cardholders
(checking accounts), minimizing risk.

25. How we make it happen
• Each cardholder enrolled will be assigned an
internal “matching” PAN (personal acct
number) on our accounting system, that
matches with the 16 digit card number your
bank issued.
• No further information is required such as
CVV or expiration dates, zip-codes, etc.

26. POS Retail Integration
• Point of Sale (POS) programming on leading
hardware platforms including
VeriFone, Hypercom, Ingenico, Micros, and
POSitouch - Specific expertise across all major
payment processing
• Applications: credit/debit, gift and loyalty, prepaid
• When your existing issued bank cards are swiped
on the POS terminals for rebates, the system will
recognize the cardholder as an account at your
bank

27. Bank to Bank
Cash-Rebate management system
1. Our processor debits (ACH) participating
merchants (rebates) which are settled at our
sponsoring bank depository.
2. Our sponsoring bank credits (ACH) directly to
your checking account holders at your bank.
3. This would require having the bank account
numbers associated with the card enrolled on
the program.

28. Loyalty Has its Rewards
Contact Us Today 1-
800-409-8050