1. SYSTEM AND Process In Action Meet Mrs. Price Working mother with 2 children Subscriber of Provider issued Smartcard Enters Supermarket to do her shopping Inserts Smartcard into interactive touch-screen kiosk Views weekly sale ad and other precision marketing promotions Adds the sale products and promotions to her grocery list Prints her grocery list and available coupons

2. SYSTEM AND Process In Action Proceeds to checkout Inserts her Smartcard into the Card Acceptance Device Computer chip in Smartcard Checks for products matching authorized redemptions Subtracts savings from total bill Protects Mrs. Price’s identity Begins her shopping Refers to her printed grocery list Recognizes savings opportunities posted on: Supermarket placards Smartpons™ placards Understands her Smartcard honors both

3. SYSTEM AND Process In Action Pays for her groceries, removes her card and heads for home Is happy to know how much time and money the Smartcard saved her Looks forward to the next opportunity to save at the Supermarket End of the Day Cyrus downloads applicable transactions and compiles reports for Retailer/Grocer Redemption report for invoicing and receiving credit or reimbursement from manufacturer Other miscellaneous details