Customer Loyalty and Rewards

BEKEN Customer Loyalty and Rewards

BEKEN supports a variety of rewards and loyalty providers. With our partner, Augeo Marketing, we provide one of the most comprehensive reward programs available. Our unique offerings will help to strengthen your customer relationships while maximizing ROI. We also interface with three 3rd party rewards providers: BEKEN Dream Points (Augeo), Scorecard, and Visa Extras. If you choose to contract with these providers for reward processing, BEKEN would work with you to transmit relevant transaction and card data on your behalf to provide the different types of reward products for debit and/or credit.

If you wish to connect to other rewards vendors, BEKEN willwork with you to understand the proposed project and what, if any,additional costs would be required to create an interface.

Dream Points

Dream Points offers our clients a wide selection of issuer and cardholder options and solutions. Our partner, Augeo, is the largest reward structure in the industry. Dream Points resides on the Augeo platform.

Through Dream Points or a customized Augeo solution, a financial institution has the ability to manage a multitude of customized promotions and campaigns, such as an acquisition campaign where “new” cardholders would receive 1,000 bonus points upon activation and triple points within the first 90 days.

Augeo receives, hosts and makes available cardholder data forwarded from your institution but does not maintain indi-vidualized promotional rates. BEKEN and Augeo provide complete resources for the design, implementation, and management of membership benefit programs. These programs add value to card provider and rewards customers based on tracking and changing their purchase behavior.

Utilized as a marketing tool, BEKEN Dream Points loyalty and reward solutions encourage acquisition, activation, motivation and retention.

Dream Points Benefits

• Establishes a positive image in the minds of your cardholders

• Promotes and enhances your corporate image to your customers and to your marketplace

Cardholders are individuals. But sometimes it’s helpful to see what a large number of these individuals are doing so you can spot trends. The following statistics give you a look at your cardholders’ behavior—and some pretty persuasive reasons to participate in BEKEN’s Card Reward and Loyalty Solutions.

54% of all U.S. households participate in at least one loyalty-rewards program.

64% of all payment cardholders have a rewards general purpose card.

90% of cardholders surveyed who said they received rewards for credit card usage are more committed to that card.

78% of card spending in 2006 was on a rewards card.

56% of consumer total card spend is on a rewards card.

72% higher average spend on rewards cards than on non-rewards cards.

75% of cardholders who have not received offers from their bank would like to.

53% of surveyed cardholders would have a more positive perception of their issuer if they received periodic discounts.

80% of luxury consumers enjoy buying luxuries on sale or seek out the lowest price or best value.

BEKEN Customer Loyalty and Rewards

• Provides an effective program platform for promoting other products and services

• Addresses the needs of your financial institution by stimulating activity at all levels

Dream Points Program Objectives

• Improve account acquisition by providing differentiation and a unique competitive advantage

• Build greater account loyalty by adding value to the financial institution/customer experience and relationship

• Encourage communication to strengthen relationships with existing cardholders

• Increase account activation by motivating your cardholders

• Increase revenue, market share and return on investment

Dream Points Enhanced Mobile Platform

Our new mobile platform is available for turn-key or custom reward programs. It provides account holders with an easy, convenient way to access the reward program on-the-go, directly from their Android and iOS powered devices.

Dream Points Features

• Financial institution can personalize the point structure

• Free and discounted travel

• Points good on all airlines for any ticket or credit

• No blackout periods

• No limited seat selection

Dream Points Earnings Structure

• Credit: 1 point for every 1 dollar in credit card purchases

• Debit: Program can be designed to rewards points for signature only or PIN and signature purchases.

• Bonus points can be issued

Visa Extras

BEKEN supports Visa Extras, a points-based reward program that offers your cardholders another compelling reason to use their Visa cards every chance they get. When your card-holders use their enrolled cards, they earn points towards terrific prizes every time they make a qualifying purchase. And when your cardholders are motivated to use their cards more frequently in place of cash and checks, your financial institution benefits from higher card-based transaction volume and increased incremental revenue.

Visa Extras is the easy-to-administer, cost-effective, customer-friendly Visa card reward program you’ve been waiting for. And, BEKEN makes it even easier for you to participate with the Visa Debit Processing Service File Transmission Service! Qualifying Purchases include:

• Signature-based purchasesVisa Extras

BEKEN Customer Loyalty and Rewards

• Internet purchases

• Phone and mail order purchases

• Automatic bill payments

Cardholders redeem their Visa Extras reward points for easily obtainable “everyday” rewards, such as movie tickets, or save their points for higher value “inspirational” rewards such as high-end travel options.

Key Features of Visa Extras

Visa handles, through Visa Extras Program Administrator, program administration, enrollment, customer service, fulfill-ment, and marketing support. With BEKEN supporting file transmission through the client’s single-point connection, participating in Visa Extras is simple and easy.

Eligibility. This points-based rewards program is a core feature of all Visa Business check cards and Visa Business credit cards. At the client’s option, it may be offered with other Visa card products such as Visa consumer check cards, Visa consumer credit cards, and other Visa products.

Enrollment Options. Visa DPS offers two options for cardholder enrollment:

• Mass-enrollment - Enables the client to enroll a group of cardholders in the Visa Extras program. Cardholders then activate their cards through the Visa Extras web site (www.visa.com/extras), a voice response unit (VRU), or cus-tomer service representative (CSR).

• Self-enrollment – Enables individual cardholders to enroll and activate their cards in the program through the Visa Extras web site, a VRU, or CSR. Cardholders’ points start adding up as soon as they make qualifying purchases.

Earning points. Once enrollment is completed, cardholders earn valuable points for every qualifying purchase.

Redemption. Cardholders can redeem points for rewards through the Visa Extras web site, VRU, or CSR, using the Visa Extras Rewards Catalog.

Rewards. Cardholders can choose from a wide range of rewards including movie tickets, retail gift certificates, travel and dining rewards, and more. The client has the option to take Visa Extras beyond the baseline program to create unique value propositions for cardholders by adding rewards options or special promotions.

Customer service. The Visa Extras Program Administrator provides primary customer service to cardholders through the Visa Extras web site, VRU, or CSR.

Fulfillment. The Visa Extras Program Administrator fulfills the rewards, primarily using mail and courier.

Marketing materials. Visa offers a variety of turnkey and customizable marketing materials, as well as national promo-tions, to help the client build awareness, promote cardholder enrollment, and motivate cardholders to increase usage of their Visa cards. These materials include:

• Statement inserts

• Direct Mail

• In-branch materials

• E-mail templates

• Web components

• Sample promotional copy

• Art files on CD-ROM

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7.2.2013

Statements – Using Visa Extras program data, the client can work with a statement processor to display reward point bal-ances on cardholders’ monthly account statements. At the client’s option and expense, separate points statements may be sent to cardholders or fulfill points statements monthly or quarterly through the Visa Extras Program Administrator.

Augeo Marketing

We offer a wide variety of reward options that can be filtered to fit your account holders’ specific needs. Cardholders can choose from top brand-name products in every major category, proven to excite and motivate.

• 150+ gift cards

• 300,000+ merchandise items

• Airline tickets, cruises and vacation getaways

• Unique lifestyle experiences

• Green products for your earth-friendly account holders

• Generous charitable donations

• Cash back at selected levels

Membership Programs

Instant revenue generation: Enrich account holders’ lives with our web-based membership programs designed to protect their identity, promote a healthy lifestyle and help them save big. Program offers can be linked to a turn-key or white-labeled website, creating affinity with your financial institution.

• ID Watch 360

• MyChoice Benefits

• Simply Wellness

Swype, POS instant coupons

Account holders will love the convenience of having merchant and restaurant deals linked directly to their debit and/or credit card. While they enjoy exclusive savings, you’ll enjoy a significant competitive advantage through portfolio differen-tiation and heightened engagement. With Swype, you can also expect an extended card life through cardholder stickiness to Swype incentives.

Merchant Networks

• Perks Points Mall: Our POS tracking capabilities allow account holders to earn bonus points for all transactions made through the national, regional and local merchants within our Perks Points Mall network.

• More Points: Our customers-only superstore includes popular name-brand merchandise as well as an array of gift cards. Account holders earn bonus points for all items purchased with their rewards card.

The BEKEN / Visa Advantage

• Customer-focused. Meeting your payment product and service needs is our business and our priority.

• Integrated processing solution. Reach your objectives with the Visa solution for success in the debit and prepaid marketplaces.

• Continuous access and security. You’re covered with reliable, state-of-the-art processing and security technology.

• Single-point connectivity. One connection simplifies your Visa and EFT product processing needs.

• Proven service. Specialized client team is dedicated to helping you meet your card program goals.

For More Information

For more information, please contact Herb Tajalle at (866) 241-1120 x1616 or at herb.tajalle@beken.co