CARDLYTICS

Scott GrimesCEOCardlytics

CARDLYTICS SERVES THREE CONSTITUENCIES

Financial Institutions Customers Marketers

Revenue producing rewards solution

Highly relevant and easy savings

Profitable new media to drive growth

CUSTOMERS LOVE THE PROGRAM

• Highly relevant

• Significant savings

• Easy to use

Strong value prop High engagement

• 20% offer activation rates

• 40%+ of customers engagement

• Opt-out model, all bank’s customers initially in

• Less than 2% opt-out rate

Low opt-out

WHAT IS TRANSACTION MARKETING?

Source and market

to customers through their

banking relationships

Utilize the bank’s

transaction generated by

consumer spending

TRANSACTION-MARKETING IS A NEW MARKETING MEDIA WITH KEY ADVANTAGES

Superior Targeting

Segment customers based on actual spend

• Tailor message and investment precisely

• Doesn’t cannibalize existing business

Precise Measurement

Capture all purchases across all merchants

• Measure ROI of marketing investment exactly

• Understand impact relative to category competitors

High Engagement

Multiple, frequently used channels

• “Moves the needle” for large retailers

• Increases brand strength loyalty

WE LEVERAGE A HOUSEHOLD’S PURCHASE HISTORY TO DRIVE HIGHLY RELEVANT MARKETING

DEBIT CARD

CREDIT CARD

ON-LINE BILL PAY / ACH

Any combination of who, where, when and

how much

11 Billion transactions per year

25% of non-durable goods purchases

OUR BANKING PARTNERS COLLECTIVELY BRING MASSIVE MARKETING SCALE TO RETAILERS

BANKS3 of Top 6

PROCESSORS2 of Top 3

PREPAID3 of Top 5

• 320+ banks

• 75 million households

• 195 million consumers

• National footprint

• Banked households with disposable income

MULTI-CHANNEL MARKETING EXTENDS REACH

TransactionTargeted Offers

Ban

k C

hann

els

Dig

ital M

edia

On-Line Banking Mobile Banking ATMs/IVR/Other

Social Media SMS Email

CONSUMERS PRIVACY AND SECURITY IS PROTECTED WITH CARDLYTICS’ UNIQUE ARCHITECTURE

No PII ever leavesOnly aggregate level sales and performance is returned

Transaction data and security behind the firewall

Merchant campaigns are pushed

nightly

PII never shared with Cardlytics

Aggregatedata for

billing and reporting

1 2

4 3

CARDLYTICS SERVES THE MAJORITY OF NATIONAL RETAILERS AND THOUSAND OF LOCAL

Restaurants

Major Retail

Service & Entertainment

Providers

THE CHANNEL RAPIDLY SHIFTS MARKET SHARE

34.844.7

24.5 20.3 20.6

100 100 100

65.255.3

75.5 79.7 79.4

C - 3 C - 2 C - 1 CampaignMonth 0

CampaignMonth 1

C + 1 C + 2 C + 3

% Retailer Share of Category Spend

Competitors

Retailer

PRECISE MEASURABILITY ENABLES MARKETERS TO INVEST WITH CONFIDENCE

% Incremental Sales Growth

29.7

%

30.8

%

17.2

%

26.1

%

10.7

%

12.3

%

8.5% 10

.7%

Food/Drug SpecialtyRetail

Apparel Restaurants

% Campaign ROI

437%

244%

436%

444%51

9% 559% 61

8%

643%

Food/Drug SpecialtyRetail

Apparel Restaurants

New customers Current customers

AIMIA AND CARDLYTICS ARE PARTNERED TO LEAD TRANSACTION-MARKETING GLOBALLY

• Global leader in loyalty

• Global retailer and FI relationships

Cardlytics

• Leader in transaction-marketing

• Analytics and Technology

Leaders in bringing a

powerful new media to retailers globally

THANK YOU!

¡GRACIAS!