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
 Reach new bank customers through the latest
local channels, including mobile technology
 Build a loyal community client base

5. Why your customers enroll
 We provide 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
 Community involvement with loyalty programs

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. 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

9. 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.

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” 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, Pin
numbers, etc.

15. 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

16. Bank to Bank
cash-rebate management system
1. Our processor debits (ACH) participating
merchants (rebates) which are settled at our
sponsoring depository bank .
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.

17. Consumer Protection
1. In compliance with Gramm–Leach–Bliley Act:
a "consumer" is an individual who obtains or
has obtained a financial product or service
from a financial institution that is to be used
primarily for personal, family, or household
purposes, or that individual's legal
representative
2. Keeping it Local will provide enrollment to the
program through the banks website

18. Reward Program Fees
Implementation Fee: $0.00
Enrollment Fee: $0.00
Monthly Fee: $0.00
Transaction Fee: $0.00
Yearly Fee: $0.00

19. Participating Merchants and
Partners
 Redondo Beach Chamber of Commerce
 Manhattan Beach Chamber of Commerce
 San Francisco Chamber of Commerce
 Nearly 1,000 participating Merchants in the
South bay
 Over 1,000 Participating Merchants in San
Francisco
 Bureau of Tourism