Cardlytics provides a revenue-generating rewards solution that is highly relevant and easy for customers to access savings. It leverages purchase history from debit cards, credit cards, online bill pay, and ACH transactions to target offers to customers. This transaction-marketing approach provides superior targeting, precise measurement of marketing ROI, and high customer engagement. Cardlytics' platform protects customer privacy and serves the majority of national retailers as well as thousands of local businesses.

2. CARDLYTICS
Scott Grimes
CEO
Cardlytics

3. CARDLYTICS SERVES THREE CONSTITUENCIES
Revenue producing Highly relevant Profitable new media
rewards solution and easy savings to drive growth
Financial Institutions Customers Marketers

4. CUSTOMERS LOVE THE PROGRAM
Strong value prop High engagement Low opt-out
• Highly relevant • 20% offer activation rates • Opt-out model, all bank’s
customers initially in
• Significant savings • 40%+ of customers
engagement • Less than 2% opt-out rate
• Easy to use

5. WHAT IS TRANSACTION MARKETING?
Source and Utilize the
market bank’s
to customers transaction
through their generated by
banking consumer
relationships spending

6. TRANSACTION-MARKETING IS A NEW MARKETING
MEDIA WITH KEY ADVANTAGES
Superior Targeting Precise Measurement High Engagement
Segment customers Capture all purchases Multiple, frequently
based on actual spend across all merchants used channels
• Tailor message and • Measure ROI of marketing • “Moves the needle” for large
investment precisely investment exactly retailers
• Doesn’t cannibalize existing • Understand impact relative to • Increases brand strength
business category competitors loyalty

7. WE LEVERAGE A HOUSEHOLD’S PURCHASE HISTORY
TO DRIVE HIGHLY RELEVANT MARKETING
DEBIT CARD
Any combination of
who, where, when and
how much
CREDIT CARD 11 Billion transactions
per year
25% of non-durable
goods purchases
ON-LINE BILL PAY / ACH

8. OUR BANKING PARTNERS COLLECTIVELY BRING
MASSIVE MARKETING SCALE TO RETAILERS
BANKS
3 of Top 6 • 320+ banks
• 75 million households
• 195 million consumers
PROCESSORS
2 of Top 3 • National footprint
• Banked households
with disposable
PREPAID income
3 of Top 5

9. MULTI-CHANNEL MARKETING EXTENDS REACH
Transaction
Bank Channels
On-Line Banking Mobile Banking ATMs/IVR/Other
Targeted Offers
Digital Media
Social Media SMS Email

10. CONSUMERS PRIVACY AND SECURITY IS PROTECTED
WITH CARDLYTICS’ UNIQUE ARCHITECTURE
Merchant Transaction data
campaigns
are pushed
1 2 and security
behind
nightly the firewall
Aggregate
PII never
data for
billing and
reporting
4 3 shared with
Cardlytics
Only aggregate level sales No PII ever leaves
and performance is returned

11. CARDLYTICS SERVES THE MAJORITY OF NATIONAL
RETAILERS AND THOUSAND OF LOCAL
Restaurants
Major Retail
Service &
Entertainment
Providers

12. THE CHANNEL RAPIDLY SHIFTS MARKET SHARE
% Retailer Share of Category Spend
55.3 Competitors
65.2
75.5 79.7 79.4
100 100 100
44.7
34.8
24.5 20.3 20.6 Retailer
C-3 C-2 C-1 Campaign Campaign C+1 C+2 C+3
Month 0 Month 1

13. PRECISE MEASURABILITY ENABLES MARKETERS TO
INVEST WITH CONFIDENCE
% Incremental Sales Growth % Campaign ROI
New customers Current customers
643%
618%
30.8%
29.7%
559%
26.1%
519%
444%
437%
436%
17.2%
12.3%
244%
10.7%
10.7%
8.5%
Food/Drug Specialty Apparel Restaurants Food/Drug Specialty Apparel Restaurants
Retail Retail

14. AIMIA AND CARDLYTICS ARE PARTNERED TO LEAD
TRANSACTION-MARKETING GLOBALLY
Leaders in
Cardlytics
bringing a
powerful new
• Global leader in • Leader in transaction- media to
loyalty marketing
• Global retailer and FI • Analytics and
retailers
relationships Technology globally

15. THANK YOU!
¡GRACIAS!