1. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. Loyalty the World Over: A Practitioner’s Perspective November 25, 2011 Loyalty the World Over: A Practitioner’s Perspective

2. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. Can You Ride the Wave of Change? 2 Insert Tow In Surfing Video Let’s Go Surfing …

3. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. The Four Forces of Loyalty 3

4. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. EMERGING ECONOMIES DEVELOPED ECONOMIES CA US AU BR IN CH Where We Focused

5. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. Gen Pop + Segments: Affluent, Young Adults, Seniors Gen Pop Only SEC Classes A, B, and C Only Study Samples Surveyed 1100 1151 510 508 627 518 Sample Size Demographic Segments Detailed

6. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. Global Differences, Global Commonalities

7. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. The Top Line? Energy Engagement Enthusiasm Emerging Economies Tired Turned Off Tuned Out Developed Economies vs.

8. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. 8 Trust in Business v. People

9. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. Trust of Domestic Brands

10. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. Optimism for the Coming Decade

11. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. 11 Highly Optimistic Outlook

12. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. Optimism and Special Service

13. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. 13 Loyalty Program Participation

14. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. 14 Why Not Join?

15. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. 15 Pay-off Beliefs

16. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. Influence of Reward Programs

17. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. The Grand Global Loyalty Opportunity

18. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. Class-Based Differences Be aware of class-based differences when designing a loyalty program.

19. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. 19 Culture Highlight Indian culture and catch the wave of optimism and patriotism running through the country.

20. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. 20 Trust Allay consumers’ fears about privacy.

21. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. 21 Demographics Don’t overlook the critical 26- to 34-year-old age group.

22. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. 22 Alignment Consider partnerships, which are well-suited to the Indian market.

23. LoyaltyOne | Loyalty the World Over: A Practitioner’s Perspective | November 25, 2011 All information contained herein is confidential and/or proprietary information of LoyaltyOne, Inc. and any unauthorized use and/or any disclosure is strictly prohibited. Be sure to download our white paper on the 2011 COLLOQUY Cross-Cultural Research at www.colloquy.com/crosscultural Bryan Pearson President and CEO, LoyaltyOne www.loyalty.com Author of The Loyalty Leap: Turning Customer Information Into Customer Intimacy www.pearson4loyalty.com Twitter: pearson4loyalty Facebook: www.facebook.com/theloyaltyleap Thank You