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What is FanBank? FanBank has created an exciting marketplace where big-name brands and local, independent businesses come together to engage consumers in a whole new way. By seizing on consumer desire to "shop local," the FanBank marketplace creates a reason for shoppers to support locally-owned merchants. Local businesses take advantage of an array of marketing collateral and programs which help them generate sales, consumer excitement and loyalty. Consumers are rewarded with a common currency, FanCoins, for spending their money with participating, locally-owned and operated businesses. Consumers can then spend their FanCoins right back in their communities at the same locally-owned businesses or on other experiences offered by sought-after brands and community attractions covering sports, entertainment and more. With FanBank, "Everybody Wins."

What is the benefit to local businesses? Local, independent businesses are always looking for new ways to generate interest and excitement. Unfortunately, billions of dollars a year are wasted every year by these business owners by offering incentives that do not generate meaningful or measurable impact. FanBank has created a platform for these businesses to connect to big-name brands. Local businesses take advantage of an array of marketing collateral and programs which help them generate sales, consumer excitement and loyalty. FanBank provides the infrastructure for independent businesses to participate in programs where their customers are rewarded with a common currency, FanCoins, for shopping with them. With FanBank, local businesses now have a platform and a common incentive currency to reward loyal customers as well as communicate to potential new customers.

What is the benefit to consumers? Consumers can shop, eat, and play at their favorite participating Main Street businesses and earn a common reward currency, FanCoins. Or they can discover new, locally-owned businesses. Consumers can then spend their FanCoins right back at the same neighborhood locations or with other sponsoring incentive providers. Shopping local has never been so rewarding.

Which businesses are participating? We research the top businesses in each neighborhood, ask locals for their input and personally invite owners to join FanBank. The number of participating locally-owned, neighborhood businesses grows every week.

How do we recommend our favorite business to be included in FanBank? We research the top businesses in each neighborhood, ask locals for their input and personally invite owners to join FanBank. The number of participating locally-owned, neighborhood businesses grows every week.

What is a FanCoin? FanCoins are just like points in an airline miles program except that the same reward currency, FanCoins, are issued by all participating businesses. Fans accumulate and then use the FanCoins they earn to purchase items from the FanBank FanStores.

How are FanCoins earned? Consumers earn FanCoins simply by making purchases with their registered FanBank credit or debit cards at participating FanBank businesses. Like many well-known points programs, fans (FanBank members) will earn FanCoins by shopping at participating businesses. These FanCoins will be transferred to the consumer's FanBank account and accumulated for the redemption of prizes, experiences and other rewards from the FanBank FanStores.

What is the technology behind FanBank? FanBank's technology is based on two primary elements. First, FanBank is able to access consumer spending data from the major credit and debit card companies instead of integrating with point of sale systems or integrating with card processors or bankcard issuers. Second, FanBank has built a sophisticated rules engine which allows merchants to offer FanCoin incentives based on the specific aspects of a consumer's purchase, e.g., first visit, second visit, everyday incentive, special day incentive. Therefore, the FanBank Shop Local Rewards Program is able to broadly access transaction data in order to match a FanBank member's purchase with a FanBank merchant, allowing for the seamless transfer of FanCoins to a member's account. This technology is part of what makes FanBank different. There are no new cards for consumers and no changes to a business's POS system.

Why do I need to link a card to my FanBank Account? FanBank leverages a new technology called "card linking" to allow its members to earn FanCoins by shopping at participating, locally-owned businesses. Instead of issuing another plastic card or relying on its members inputting a member number at the point of purchase (forcing additional hardware investments by independent business owners), FanBank leverages technology that is proven and has been in place for decades – the credit card processing network. Members and participating businesses allow FanBank to receive a simple report which shows purchases made by members at these businesses for the purposes of awarding FanCoins.

WHAT IF MY CARD IS ALREADY PART OF A REWARDS PROGRAM? There is no impact to any existing rewards programs or features associated a member's credit or debit card. By linking cards to FanBank, members are essentially "upgrading" their cards to be their designated Shop Local cards.

WHAT INFORMATION IS STORED? FanBank does not store any customer credit card numbers. In fact, FanBank never even sees complete credit card numbers. When enrolling a card, a FanBank member does not need to provide a security code, billing address, or even a name! Linking FanBank to a debit or credit card is like adding an "app" to a smartphone. By linking FanBank to the credit or debit card, FanBank members automatically starts accumulating FanCoins based on the date, amount and location of a purchase and the incentive offer set by the business owner.

FanBank members will have a FanID (a related email address) for ongoing communication with FanBank, the FanBank website and the FanBank FanStores.

How do I find out where I am shopping using my FanBank-registered cards? Your FanBank FanBoard will keep track of your card activity, where you are using your registered FanBank cards, how much you are spending and how many FanCoins you are accumulating and earning.

When is my card active? When you successfully enroll your card with FanBank, your card will be immediately active in the system. You can make purchases at FanBank businesses right away.

Can I opt out at any time? Yes, you can opt out at any time, there is no obligation.