1. FINANCIAL INSTITUTIONS
Start Issuing “Loyalty Rewards”
Mission Statement:
“To educate local communities on the importance of supporting
local merchants, organizations, banks and the economic impact
it has back on the community”.

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
 Making your bank card the most relevant in
their wallets
 Grow your deposits
 Establish a broader enterprise offering around
online banking
 Build a loyal community client base
 Reach new bank customers through the latest
local channels, including mobile technology

5. Why your customers enroll
 Engaging online and offline marketing
strategies
 Local retail partners that bring your
customers relevant, high-value offers
 Purchase tips and interactive tools to help
them make the right choice
 No enrollment fees, no extra fees

6. Turn-key Marketing & Promotions
Your Banking Website
Linked directly to LOCAL
offers in your community

7. Latest Mobile Technology
Offers can be directed
directly to mobile bank
users

8. Minimal Integration, Minimal Risk
 Keeping It Local is a system that enables
merchants to accept credit cards, debit
cards, gift cards and other proprietary cards
online or in person.
 No integration is required since we only
provide rebates/rewards (credit) back to your
financial institution cardholders (checking
accounts), minimizing risk.

9. 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 has been through an in-depth audit of
their control objectives, control activities, including
controls over information technology and related
processes in accordance with SSAE 16 AUDIT

10. How it Works
Existing Issued Bank
Checking Debit Cards
Bank Account holders
Loyalty Rebate
Participating Merchant
Your bank debit cardholders
are OFFERED rebates at
LOCAL participating
merchants.
They use your card to pay.

11. How it Works
Existing Issued Bank
Checking Debit Cards
Bank Account holders
Loyalty Rebate
Participating Merchant
Your bank debit
card now becomes
more important to
the cardholder and
moves to the top
of the wallet

12. How it Works
Existing Issued Bank
Checking Debit Cards
Bank Account holders
Rebates are deposited back
into your customers checking
Loyalty Rebate accounts, at your bank
Participating Merchant

13. How it Works
Existing Issued Bank Your cardholder is now more
Checking Debit Cards loyal and more likely to use
your bank card for purchases!
Bank Account holders
Loyalty Rebate
Participating Merchant

14. How we make it happen
 Each cardholder enrolled will be assigned an
internal “matching” 16 digit number on our
accounting system, that coincides with the 16
digit card number your bank issued.
 When your existing issued bank cards are
swiped on the “Keeping It Local” terminals for
rebates, the system will recognize the
cardholder as an account at your bank

15. Service Level Options
OPTIONS Self-Service Full Service
FREE ENROLLMENT
No Set-Cost
FREE ACH credits
(rebates) back into your
individual bank accounts
FREE ACH Aggregate
amount (total rebates)
Your bank credits your
accounts

16. Requirements for Service Levels
 Full Service- We would ACH credits (rebates)
directly to checking account holders. This
would require having the bank account
numbers associated with the card enrolled on
the program
 Self- Service - We would ACH the bank an
aggregate amount (total rebates) and the bank
would credit the bank account numbers
associated with the card enrolled in the
program

17. Local Rewards Network
Your Bank POS Terminal
Debit Cards
Merchant
PCI Compliant
Processor
Your cardholders
purchase from merchant
with Your Bank Card
Your Bank Bank Cardholder

18. Local Rewards Network
Your Bank POS Terminal
Debit Cards
Merchant
PCI Compliant
Processor
Merchants swipe the SAME
bank card on the Keeping It
Local POS to get rebates
Your Bank Bank Cardholder

19. Local Rewards Network
Your Bank POS Terminal
Debit Cards
Merchant
PCI Compliant
Processor
No Training Required.
Cashier simply swipes and enters
the amount of the sale (excluding
tax or tips)
Your Bank Bank Cardholder

20. Local Rewards Network
Your Bank POS Terminal
Debit Cards
Merchant
PCI Compliant
Processor
The system automatically batches the
rebates, ONLY after purchases have
been authorized on the POS.
Your Bank Bank Cardholder

21. Local Rewards Network
Your Bank POS Terminal
Debit Cards
Merchant
PCI Compliant
Processor
The processor then sends the ACH
credit directly to the cardholders bank
account at your Financial Institution
Your Bank Bank Cardholder