CARD-LINKED OFFERSFinancial Institutions

What We Do

• We deliver Card-Linked Offers that generate strong results by engaging cardholders and creating powerful incentives that encourage more loyalty.

• Local merchants linked to local financial institutions will finally have an exclusive insight into spending analytics.

• By supporting local merchants the community benefits from a positive economic impact derived directly from your financial institutions Card-Linked Offers program.

Our Goal For Your Program

1. Making your Financial Institutions card the most relevant in their wallets.

2. Providing relevant and valuable offers to your cardholders.

3. Grow your deposits with “cash back” rewards from merchants into your accounts.

4. Increase your Interchange Revenue as spending increases.

5. Recruit new bank customers through the latest local channels, including social media & mobile technology.

6. Create a viable “Retention Program” through loyalty.

“The benefits of the card-linked offer haven’t gone unnoticed. National banks, start-ups and venture firms have all embraced the card-linked offer as a potentially groundbreaking technology. Bank of America has been one of the most vocal early adopters, running prime time ads for its BankAmeriDeals program.”

1. Development and implementation costs are traditionally high2. Integration process with core processor is extensive and expensive3. Large corporations target large banks and not smaller financial

institutions4. There was never a provider solely offering Local Merchants with Local

Financial Institutions. 5. Card-Linked Offers has only been around since 2010, we are one of the

pioneers6. No Other “CLO Provider” offers a NO Integration, NO Cost Solution

Six Reasons Why Community Banks and Credit Unions Haven’t Had Access to This Technology

1. Keeping It Local developed a proprietary platform specifically for smaller FI’s.

2. There is absolutely NO integration with your core processor or your existing platform.

3. We acquire all the merchants for your rewards program at no cost.4. We design a branded platform with your color scheme & logo. 5. We provide all of the program management and customer service at no

cost.6. We provide the complete rewards solution at no cost to you or your

cardholders.

Six Reasons Why “Keeping It Local” Can Provide Community Banks And Credit Unions Access To This Technology

Your Cardholders Have Full Control Of Their Settings And Notifications

Automatic Enrollment Through Our PCI/SSAE-16 Audited Processing Platform

Local Merchants Are Acquired Where Your Cardholders Reside

One Branch may have cardholders living in multiple cities surrounding the branch (e.g. Burbank, Pasadena, Glendale)

We Then Customize The Offer And Present It As A “Cash-Back” Reward

We Deliver “Rewards” Through Multiple Marketing Platforms

Branded Rewards Platform

Cardholders Are Directed To Merchant Featured Pages

Card-Linked Offers Are Placed Under A Relevant Transaction On Rewards History

Merchants and Financial Institution Receive Analytics

Personal Account Numbers (PAN)

16 digit numbers (PAN’s) are required for our PCI/SSAE 16 audited compliant processor to identify your existing cardholders on our system.

NO OTHER INFORMATION IS REQUIRED1. No CVV or Expiration Date

required2. No PIN required3. No Social Security Number

required4. No Drivers License Number

required

Certified “Keeping It Local” POS APP

Your existing (Visa or MC) bank cardholders can: • Redeem Pre-sold

Offer• Redeem “Cash

Rewards”

Keeping It Local Rewards

PC-based touch-screen tablet.

Certified “Keeping It Local” POS applications

Daily Merchant Settlement Is Automated

Merchants open an account on our system that automatically will ACH funds on a daily cyclical basis for “cash back”.

Cash-Back Deposits

Simply provide the routing/bank account numbers associated to the debit card and we’ll ACH funds directly into the accounts at your bank.

Cash Back Rewards are credited back to all cardholders on the 15th of each month.

4 What it costs and how we get started.

Easy to Implement

3 Easy Steps To Start Your Program

We acquire relevant local merchants for your bank, based on your cardholder demographics & preferences.

Step 1We design and customized a branded bank rewards platform.

Step 2

Step 3We launch a “internal” test-pilot among a few merchants in preparation of the official launch.

3 Easy Steps In Launching Your Program

Your bank announces the rewards program on your website and in online banking banners.

Step 1We deliver your Ad campaigns via emails, social media & mobile.

Step 2

Step 3Your bank mails out “inserts” in monthly bank statements to checking or credit card clients.

Responsibilities & Cost

We acquire relevant local merchants for your bank based on your cardholder demographics & preferences.Keeping It Local Incurs Cost

Development of PlatformWe customize and design your branded rewards platform.Set up fee: $10k - $25k (waived)

Acquisition of Merchants

Execution & SustainabilityWe launch and maintain on-going customer service & administration of your program.Keeping It Local Incurs Cost

Cardholder FeesAll rewards transactions: FreeMonthly Fee: Free*Dormancy Fee:$0.99/mo.*Yearly Maintenance Fee:$0.99/yr.

*First year waived

Timelines To Launch (90 days)

We immediately begin to acquire merchants near your cardholders.Timeline: 60-days

Development of PlatformWe design and program your platform based on your preferences.Timeline: 30-days

Acquisition of Merchants

Back-End AdminWe provide your personnel with manuals and simple training to login and monitor.Timeline: 1 dayMarketing

We recommend having a 30 day marketing launch campaign at each branch.Timeline: 30 days

Rewards That Make A Difference

1-800-409-8050