1. Rewards that make a difference FINANCIAL INSTITUTIONS Card-Linked-Offers

2. How we help Financial Institutions Our Goal: 1.Making your Debit/Credit Card the most relevant in their wallets by providing relevant and valuable offers to your cardholders. 2.Grow your deposits with “cash-back” rewards from merchants. 3.Increase your Interchange Revenue as spending increases. 4.Recruit new customers through the latest local channels, including social media & mobile technology. 5.Build a “card retention” program and reinforce your brand. Our Platform: The “Keeping It Local” card-linked offers platform was designed for community financial institutions looking to leverage their untapped data assets in order to engage cardholders with relevant offers that drive profits.

3. Current “card-linked” offers adopters in the industry Bank of America (BankAmeriDeals) U.S. Bank (FlexPerk’s) Sovereign Bank (Sovereign Rewards) Ally Bank (AllyPerks) PNC (PNC CashBuilder)

4. Financial Services are # 1 Community Banks & Credit Unions have not been able to participate as much in this sector - primarily because it is cumbersome and very expensive to implement. Loyalty Program Sectors lead by Financial Services

5. It starts with your existing Cardholders Enrollment and Experience Customizable for Financial Institutions 1

6. Your Bank or Credit Union launches its rewards program through statements, emails and promotions through your website. Enrollment starts through your Financial Institution’s Website

7. Compliance - Notification of Leaving Website

8. No Integration required with your Core Processor We provide a stand-alone, Bank or Credit Union branded platform

9. Customized Bank or Credit Union Rewards Platform Your Cardholders can select participating merchants from a Bank or Credit Union Branded Platform. They have the choice: 1.Pre-sold offers purchased online 2.In-store purchases for “cash rewards” Both can be redeemed using your Financial Institutions debit or credit card.

10. Categorized by Branch location or Business Type Your Cardholders can search for local Merchants linked to your Financial Institution’s program by branch location, category or type of offer Branche s

11. Cardholder Login gives them 24/7 access to all activity

12. 2 Linking Local Merchants to your Bank’s or Credit Union’s Cardholders We match your Cardholders with local relevant merchants

13. We research and identify your Branch locations & Cardholder demographics to link relevant Merchants t t t Example: We have 3 branch locations that needed relevant merchants linked to their cardholders in the specific community.

14. Your Cardholders also select their preferences

15. We then hand-select Merchants and tailor the offers based on your cardholder’s preferences

16. Ad Campaigns are delivered for your Bank or Credit Union

17. John is a surfer, so he received an exclusive offer from the local surf shop Julie loves wine so she receives offers from her neighborhood wine cellar Your Cardholders get relevant offers from your Local Merchants

18. Analytics are delivered to Financial Institutions & Merchants

19. 3 How it works Compliance & Technology The latest technology to reward your Cardholders.

20. Enrollment of your Cardholders in Compliance Your Cardholders register on their own on your Rewards Platform using their 16-digit Debit or Credit numbers (PANs). Our rewards program is serviced by a PCI/SSAE 16 audited compliant processor to identify your existing Cardholders on our system. NO OTHER INFORMATION IS REQUIRED: 1.No CVV or Expiration Date required 2.No PIN required 3.No Social Security Number required 4.No Drivers License Number required All of your financial institution’s debit cards are eligible and ready to use. Your customer simply enters the 16 digit card you’ve already issued to register”.

21. Point of Sale technology working with your cards Certified “Keeping It Local” POS applications Your existing (Visa™ or MC™) Cardholders can redeem online pre-purchased offers or they can register and claim “cash rewards” at in-store POS terminals. Keeping It Local Windows PC-based application.

22. » Merchants open an account in our system that automatically will ACH funds on a daily cyclical basis for “cash back”. Daily Merchant Rewards settlement happens automatically

23. Cardholder cash-back rewards Simply provide the routing/bank account numbers associated to the debit cards registered and we ACH funds directly into the accounts at your Financial Institution. ACH “OPEN-LOOP” REWARDS Funds are then made available 30 days after the reward was issued and through any merchant accepting Visa or MasterCard (Your issued card).

24. 4 What it costs and how we get started. Easy to Implement

25. 3 Easy Steps in preparation of your program We acquire relevant local merchants for your Bank or Credit Union, based on your Cardholder demographics & preferences. Step 1 We design and program your customized, branded Financial Institution rewards platform. Step 2 Step 3 We launch a “personnel only” test-pilot among a few merchants in preparation of the official launch.

26. 3 Easy Steps in launching your program Your Financial Institution announces the Rewards Program on your website and other communication vehicles. Step 1 We provide your Financial Institution with ad campaign templates - including web, emails & mobile. Step 2 Step 3 Your Financial Institution mails out “inserts” in monthly statements to checking or credit card customers.

27. What it costs to execute and maintain a rewards program We acquire relevant local merchants for your bank based on your cardholder demographics & preferences. Acquisition fee:(waived) Development of Platform We customize and design your bank- branded rewards platform. Set up fee:$10k - $25k (waived) Acquisition of Merchants Execution & Sustainability We launch & train your personnel. We also maintain on-going customer service & administration of your program. Program Management fee: (waived) Cardholder Fees All rewards transactions: Free Monthly Fee:Free *Dormancy Fee:$0.99/mo. *Yearly Maintenance Fee:$0.99/yr. *First year waived

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