Driving Loyalty and Bottom Line Results with ScoreCard

Rewards

Cassie Boutelle VP, Loyalty Products

Loyalty Trends

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Let’s Take a Look at the Stats

From 2007 to 2013, reward card programs saw increases of more than double the amount of non-reward card programs.

The average US household belongs to 22 loyalty programs.

80% of credit card spend goes to a card with rewards.

71% of loyalty members have room for more cards in their wallet.

Percentage of spend w/rewards cards vs non-rewards cards

Gross Profit Per Active Account

73% of smartphone/ tablet users want to access their loyalty program on their device.

29.77% growth in the # of transactions per active account

26.62% growth in the purchase volume

Source: Raymond James, Colloquy, BusinessWeek, Maritz,Vantiv, FIS, PaymentsSource

Key Drivers of Loyalty Satisfaction

Quality of awards

available

Reachability in a timely

manner

Process/ease/ speed with

which rewards can

be earned and redeemed

Earning potential available to reach desired award

Trust-worthy

Source: Bond

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Loyalty Rewards – It’s a No Brainer

Nearly 90% of Americans participate

in some type of rewards program. The North American loyalty market is estimated to be

$54 billion and growing at 20% per year.

Source: Colloquy

There are more than 2.5 billion loyalty memberships in the U.S.

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Loyalty Trends

Source: Gallup, Colloquy, Cisco, Maritz

500 million Financial services represent

the largest segment of loyalty program memberships

37% Fully engaged

consumers drive more annual revenue for their

primary CU

43% of consumers believe their

CU doesn’t know them

54% of consumers won’t even

consider a card w/o a loyalty

program

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Rewards Drive Engagement and Create Loyalty

Grow your share of wallet

Build relationships

Gain Insights

Compete better

Drive Card Spend

FIS Loyalty Solutions

Offer highly flexible

promotional scoring

capabilities?

Are fully turnkey or completely custom?

Work on any

platform?

Are suited for all sizes and types of FIs and Retailers?

Allow for real-time rewards

redemption?

Did You Know Our Loyalty Solutions…

Support more than 40MM

account holders?

• Flexible Scoring Platform & Administrative Tools

• Comprehensive Reporting & Marketing Materials

• Client Support Services & Training • Marketing Promotions, Sweepstakes &

Reward Catalogs • Cardholder Website & 24x7 Customer

Support • External Interfacing Capabilities • Full Customization Opportunities

Credit, Debit, Business & Prepaid Market-leading rewards program that builds relationships, increases revenue and improves the ability to acquire, activate and retain accounts.

Available in multiple currencies to include Bonus Points, CashBack, or Hybrid option.

Merchandise Redemption Thousands of Merchandise Items Available

• Electronics, Home Goods, Recreation, Personal • Gift Cards, Cash Options, Charitable Awards, Custom

Awards • Brand Name Manufacturers

• Achievable Award Levels • Awards are 100% Guaranteed • Award Costs Include Freight And Handling

Hot Deals & Special Values • Monthly promotions and specials

International Fulfillment Capabilities

Travel Redemptions Full Service Booking – Air, Hotel, Car, Cruise, Experiential

No Maximum Ticket Amount, Advance Notice, or Saturday Stay Required.

Fuel/Security fees included in reward cost and can be paid for using points vs. out of pocket

You choose the value proposition (cost per point). The cost will dynamically convert to points.

Cardholder can pay with all points or points plus cash.

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Additional Catalog Customization Options

• Custom Award Redemption • Remove Brand/Award(s) • Add/Source additional Brand/product(s) • Gift Card Options

Base Assortment

None (default) None

Basic 25 merchant gift cards included in catalog; $50 and $100 value denominations

Enhanced 50 merchant gift cards included in catalog; $50 and $100 value denominations

Cash Redemption Options

Traditional Cash Back Program • Annual Payouts

• Statement Credit • Check • Combination of credits and

checks • Set a minimum amount for a

check. All cash rebates less than the specified amount will be credited to the statement.

Cash Back Plus • New Breakage Options • Monthly, Quarterly, Semi-Annually

Payouts • ACH • Statement Credits • Checks • Gift Cards

• Consumer-Facing Website & Redemption Options

Traditional Bonus Points with Cash Award Options • Add cash award options into

bonus points award assortment • Set your own cash award

amounts and point requirements • FIS or Self-fulfillment options

available • ACH • Statement Credits • Checks • Gift Cards

Product/Sub-product Processing • Cardholder Segmentation

– Leverage existing consumer segments or create new ones, as ScoreCard will allow for you to cater to your unique customer positioning strategy.

• Multiple earnings and redemption value options – Distinguish earnings opportunities and award options amongst your

cardholders. For example: • Reward high spenders more with higher recurring base and promotional earnings • Offer your lower spend consumers more incentive to use their cards with a one-

time high-value promotional earnings offer. • Pick and choose from a combination of options to maximize portfolio performance

• Scoring and award options – Each program in ScoreCard is assigned the following scoring and award

options. Programs defined using Product/Subproduct Processing allow for each Prefix/Plan and Product/Subproduct combination to be defined individually.

• Merchandise Option, Travel Option, Base Earning Rate, Signature/PIN or Both, Promotions – requested via the Promotion Request Form

Householding and Relationship Rewards

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One Earning Pool

Multiple Accnts

Credit Debit Householding

Enables cardholders to combine their reward points from multiple card accounts (debit and credit; consumer and commercial) into one earnings pool.

1 product

2 products

3 products

Relationship Rewards Reward your cardholders for the strategic and aggregate value of each of their relationships. This program enhancement allows for breakage and float.

• Fine Dining, Casual, Fast Food, Coffee, etc.

• Local and National Partners

Restaurants

• Top Brands Across Verticals • Online and In Store Flexibility

Major Retail

• Mix of Special Discounts and Rewards

Service & Entertainment

Merchant Funded Analytics Driven Offers

Fuel Redemption Options

3. Save at the participating retailer instantly

2. Swipe your card at the pump to see your reward

1. Spend with your payment card for

everyday purchases

Cardholders are auto-enrolled Cardholder inserts payment card (with rewards) at the POS (at the gas pump)

Gas price rolls back immediately at the pump and prints rewards/savings info on

the receipt

Cardholder is prompted with an option to redeem points for a gas discount via real-

time call to rewards platform, while payment pre-auth is happening

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Marketing Drives Success

Personalized one-on-one marketing consultations

All marketing completely customizable or fully turn-key

Contests & Sweepstakes for cardholders & employees

Full suite of marketing materials available

Flexible Score and Promotional Opportunities

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• Account Opening

• First Log-In

Acquisition

• First Use • Minimum

Spend

Activation • Merchant

Category Codes

• Merchant IDs

Usage

• Anniversary & Birthdays

• Balance Transfers

Retention

Card Programs with FIS’ Rewards product, ScoreCard, consistently outperform non-reward card programs!

ScoreCard Programs see an average of over 31% higher transactions per active account per month vs. Non-ScoreCard Programs.

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ScoreCard Portfolios – Higher Transactions

ScoreCard Programs see an additional 44% in volume per active account per month.

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ScoreCard Portfolios – Higher Volume

Thank You!

Cassie Boutelle VP, Loyalty Products

Cassie.Boutelle@fisglobal.com