Our focus is on improving Customer Acquisition and Customer Retention performance for national and regional US brands. Using targeted promotional campaigns and cloud-based rewards enhancements, we generate higher incremental revenues for our merchant clients at the lowest cost - increasing business value. We contract with national and regional brand merchants aiming to generate incremental consumer spend by taking market share away from their competitors. We initiated the first merchant-funded, card-linked consumer rewards program for Mastercard Europe in 2007 and brought our model to the US in 2011. Our Card-Linked Switch Campaigns generate incremental sales and increase profit and cash flow for merchant clients by redirecting category spend from competing retailers as well as increasing category spend from existing customers. A nationwide network of 80M payment cardholders that we can deliver targeted merchant-funded promotions to makes this possible. We have successfully launched 2 cloud-based platforms, helping our clients improve their customer acquisition and retention performance by delivering more than $500M in channel partner cardholder spend since the launch of our first campaign. Please feel free to contact us if you would like to know more about how we can help you as a merchant or as a financial institution.