Loyalty Has its Rewards

FINANCIAL INSTITUTIONS

Card-Linked-Offers

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

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

How we help community banks

1. Making your bank card the most relevant in their wallets

2. Grow your deposits3. Increase your Interchange Revenue4. Reach new bank customers through the

latest local channels, including mobile technology

5. Build a loyal community client base

Cardholder Rewards

We bring relevant offers to your client base

1We Link Your Cardholders

2To Local

Merchants

3Offering Rebates/Rewards

Cardholder Enrollment and Experience

Customizable for Financial Institutions

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Cardholders can be routed to Financial Institution(s) Rewards page(s) depending on the initial selection they made and if they have multiple branches.

The Financial Institution REWARDS webpage will be auto-saved as “their location” next time they visit

Enrollment with Bank’s website

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.

A secured enrollment webpage will be provided to the bank. (embedded or new browser)

Enrollment with Bank’s website

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eCustomizable Rewards webpageOur platform is customizable to your banks branding and location of your branches

We can match your website color scheme and branding, for familiar customer experience.

We can also provide multiple skins for multiple branch locations

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eInstant in-store RebatesOur proprietary “point of sale” app is turn-key upon linking local merchants onto your cardholder rewards program.

Financial Institution cardholders simply use their Financial Institution card to receive instant in-store rebates at participating merchants

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eOnline Local OffersOur payment platform allows us to take payment on behalf of participating merchants.

Financial Institution cardholders enjoy special online offers, purchased online and redeemed in-store with the Financial Institution card

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eTime Sensitive Offers Merchants looking to boost sales will offer your cardholders unique products at special pricing.

Financial Institution cardholders purchase online and redeem in-store with the Financial Institution card

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

2 Linking Local Merchants

we match your cardholders with local relevant merchants

1. We select the most relevant merchants by your branch

2. We link those merchants to your banks reward page

3. Financial Institution cardholders get rebates directly back to their checking accounts

Making Your Card Top-of-Wallet!

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.

Relevant Merchants

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.

iPhone/Android store locator

• 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.

Mobile Merchants

3 Rewards through Rebates

reward your cardholders through ACH deposits!

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.

Your cardholders receive instant rebates

Merchant

Cardholders

» Financial Institution cardholderscan redeem pre-sold items or offers by simply using Financial Institution’s existing issued (Visa or MasterCard) cards at merchants Point of Sale

Redeem Online Specials & Pre-sold Offers

» Financial Institution cardholders can verify rebates, rewards and rebate amounts through multiple platforms, including online or mobile

Access Anywhere Rewards

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

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.

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.

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

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.

Loyalty Has its Rewards

Contact Us Today 1-800-409-8050