OPTICARDComprehensive serviCes and solutions

OPTICARD

www.opticard.com

Retailers have become increasingly sophisticated when it comes to targeted marketing

and driving sales growth. Indeed, by offering gift cards alone, retailers across the globe

have discovered a simple and highly effective way to drive sales, generate excitement,

build brand awareness and reward loyalty. Today, the vast majority of retailers offer

gift cards, with billions of dollars worth of value being issued each year. The challenge

for retailers now remains in finding the gift and loyalty provider who can offer the most

program flexibility, customization and value.

about opticard

Founded in 1995, Opticard is an industry leader in implementing and managing a variety of

card-based programs. Opticard processes over 20 million transactions per year at nearly

50,000 installed POS locations, representing billions in transaction volume annually. Opticard

is a wholly-owned subsidiary of Planet Group, Inc.

about planet Group, inc.

Planet Group, Inc. is a privately held corporation and holding company of a diverse group

of technology and business solutions companies. Our diverse portfolio of companies provide

solutions and services such as IT consulting, gift and loyalty programs, electronic payment

processing and business process management to Fortune 500 companies in the financial

services, healthcare, banking, retail, and consumer industrial and technology industries.

Customizable programs that drive Customer loyaltyOpticard offers a variety of card-based programs to meet the

specific needs of retailers. These programs can be implemented

individually or combined, using the same or different cards for

each program. Opticard offers flexible, customizable programs that

allow retailers to implement the most appropriate and effective

programs for their business. Moreover, with Opticard’s card

programs, retailers have the ability to activate and redeem cards

wherever they conduct business, including telephone, online or

in-store. Customers or employees can thus activate a card at one

channel and redeem it through any other channel.

Gift and stored value Cards

Opticard offers customizable gift and stored valued card programs

based on a retailer’s requirements. With Opticard, retailers can

leverage several options, including customized card designs,

multiple-currency, single-use or re-loadable, expiration dates,

inactivity fee support and card conversions—just to name a few.

e-Gift Cards

With Opticard, customers can purchase e-gift cards online via a

secure online application. Customers can choose the card design,

select a value denomination and include a personal message.

The e-gift card is then sent via e-mail to the recipient, arriving in

seconds. E-gift cards can be redeemed on a retailer’s Web site,

in-store or via telephone.

multi-retailer Cards

Opticard’s gift card programs can be used by multiple merchants

in a pre-set environment, such as a shopping center, resort village

or downtown shopping district. Funds are tracked electronically

and automatically transferred via ACH to the appropriate merchant’s

bank account. This specific program also offers a financial incen-

tive to merchants by allowing them to retain fees from those who

redeem the cards. Opticard also provides online reporting, allowing

individual merchants to view real-time transaction activity and

the associated transfer of funds affecting their business.

For more than a decade, Opticard has helped retailers worldwide develop and implement successful card-based

programs. Opticard’s unique platform was developed from the ground up by retailers, for retailers. As an industry leader,

Opticard provides a complete end-to-end solution, helping businesses establish card-based programs or take existing

ones to the next level. Opticard currently supports more than 7,000 merchants, encompassing nearly 50,000 locations

and representing billions in transaction volume annually. Opticard offers unique expertise in several vertical markets,

including restaurants, hospitality, specialty retail, hair and beauty, and sports and leisure.

Complimentary Cards

Complimentary or “comp” cards allow retailers to track separate

funds that are provided to customers at no cost. These cards

can be distributed for several reasons; “thanks for your business,”

“sorry for the poor service,” employee incentives or special

discount programs (i.e., buy a $50 gift card for $40). Whether funds

are added to an existing gift card or to a separate card, the program

and its associated funds are managed and reported independently

of other card programs.

online redemption Cards

Opticard supports gift cards that can be purchased in-store, but

redeemed exclusively online. This allows online merchants to market

their goods and services at specific points of retail distribution.

promotional Cards

Promotional cards can attract customers to retail locations for

special events, such as a store opening or a product launch. With

Opticard’s promotional card program, retailers set the parameters,

defining items such as discount amounts, merchandise or purchase

requirements and expiration dates. Opticard also tracks these

programs separately to allow for easy monitoring and evaluation.

merchandise returns

Opticard offers merchandise return cards, which can be issued

in place of a cash refund or traditional credit certificate. If the

customer already has a gift card, the refund can be added to the

balance and tracked separately.

Franchise programs

Opticard specializes in gift card programs for complete or partial

franchise organizations. Opticard provides the necessary settle-

ment reports and allows for a variety of intra-organization pricing

and discount models. With the franchise program, ACH transfers

can be set for a variety of frequencies. Opticard can perform

transfers on a daily, weekly or monthly basis, or transfers can be

set for every Tuesday and Friday, or Monday and Wednesday, etc.

loyalty programs

Opticard supports robust loyalty programs that can run on the same

card as a gift card or on an entirely separate program. Opticard

offers three main types of loyalty programs:

point rewards. With this program, customers can earn rewards/

points based on their spending. Retailers decide the award

levels and how they should be redeemed. Points can be converted

to a dollar value and added back on the card for customer

redemption, or converted to product discounts or free goods

and services.

Frequency rewards. This program allows customers to purchase

a predetermined number of items to receive a free or discounted

item. For example, customers could purchase six cups of coffee

and receive one cup free.

discount rewards. With this program, businesses can give

customers an immediate, fixed discount if they present the card

at the time of sale. Opticard also allows merchants to apply a

rebate to the card for future use. The discount rewards program

allows retailers to offer substantial savings while tracking

customer spending patterns and habits.

With Opticard’s loyalty programs, customers can check account

status online at any time. Moreover, all of the above loyalty

programs can be further modified to meet specific business needs.

World-Class support and servicesOpticard provides a full range of client services and support.

Opticard works with each client to develop a customized solution

that best supports your selected programs and business needs.

Conversion services

Opticard has a track record of successful conversions and can

quickly convert your existing gift card program to the Opticard

platform. Opticard can convert existing balances and allow usage

of already-issued cards.

dormancy and escheatment

Opticard provides each client with effective tools to accommodate

and comply with various state laws, allowing retailers to maximize

programs state-by-state.

real-time reporting

Opticard’s reporting tools and services allow retailers to easily

track and evaluate the effectiveness of card-based programs.

Businesses can track all card transactions in real-time by location,

time period and program. Online reports include corporate

reconciliation, corporate averages, daily activations and redemp-

tions, and transaction history. All reports are available online or

can be exported in data formats consistent with most accounting

and report generation software. Opticard also provides a compre-

hensive online administrative tool that allows retailers to customize

access, management and operation of card-based programs.

Retailers have the ability to track and issue individual cards, perform

batch activations, control system access by division, store,

employee and more.

www.opticard.com

Kiosk services

Opticard offers a patent-pending kiosk service that allows clients

to sell gift cards off-site at high-traffic locations such as airports,

malls and lobbies.

Credit Card processing services

Opticard offers competitive debit and credit card processing

services for gift and loyalty clients. By using a single point of access

for all payment processing, our clients receive the best rates in

the industry.

pos Gateway services

Opticard’s unique POS gateway service combines our POS

development expertise with our nationwide 800 network and secure

IP services. With this service, Opticard can develop a POS

application specific to your payment type, deploy it on target terminals,

pass each transaction over our secure network to your host

processing unit and then return the completed transaction to the

POS. This service helps businesses quickly develop a large network

of acceptance endpoints for a variety of transaction types, such as

funds transfer, private label charge cards and credit authorization.

Web integration services

Opticard can integrate gift card programs into your existing Web

site, enabling your customers to purchase and redeem gift cards

online, send gift cards electronically and check gift card balance

and account activity.

Customer service

Opticard provides customer service for both employees and

cardholders, 24 hours a day, 7 days a week. Opticard provides an

IVR service that allows employees and cardholders to check

balances using an automated service through any touch-tone phone.

We also provide customer balance inquiry links, which cardhold-

ers can directly access from a merchant’s Web page. Opticard

also offers a live support center for program or technical assistance

during regular business hours.

training

Opticard provides customized training, offering a range of options

from train-the-trainer models to on-site training to online Webi-

nars. We also provide a comprehensive Merchant Web User Guide

with complete instructions for ongoing program administration,

maintenance and reporting. In addition, Opticard offers a reference

guide for POS devices.

Business Benefits

Generate incremental sales

Gift cards can be marketed in-store and via corporate

sales and cross-promotions, providing significant

incremental revenue opportunities. Most retailers see a

20 percent increase in sales after converting to gift

cards, and some have recorded 100 percent increases.

increase Customer loyalty

Gift and loyalty programs reward customers, build

customer relationships and generate repeat purchases.

Furthermore, loyalty programs allow retailers to capture

and track demographic information and buying habits

for additional rewards or promotions.

attract new Customers

The gift card recipient is often a new customer. Gift

cards provide an opportunity to build relationships with

new customers retailers might otherwise fail to reach.

increase Control and visibility

With electronic gift cards, retailers can easily track and

monitor program performance at the corporate, division,

store or employee level. Opticard provides real-time

reports and administrative tools that allow you to

control the access and management of your programs.

Create new marketing opportunities

Gift cards and other card programs can be creatively

merchandised throughout retail locations and online

with custom designs, coordinating carriers, and unique

POS displays and materials.

making it Work for merchants Opticard is a worldwide leader in gift and loyalty programs, offering

unmatched flexibility, support and services. We possess the

required expertise and capabilities to meet the unique demands

of the retail industry. Whatever the need, Opticard makes it work

for your business.

transparent pricing model

Opticard offers a transparent, single-fee pricing model. Our pricing

is fixed and is structured to coincide with clients’ sales, allowing

retailers to budget with certainty and provide unrivaled value.

Moreover, there are no hidden costs or charges, and all of our support

services are included.

Card design and production

Opticard can help you with all of your card design and production

needs. Our in-house creative team can provide innovative

card designs for special promotions, co-branding opportunities

or seasonal occasions.

marketing and merchandising

Opticard’s creative team can help you create unique merchandising

displays and materials, including envelopes and carriers,

card holders, table tents, display racks, buttons and posters.

pos integration

The Opticard platform is integrated with many of the leading

POS and payment systems, such as Aloha,® Micros,® IBM,® NCR,

POSitouch,® Hypercom,® Lipman and VeriFone.®

pos-Based application

Opticard can provide a small, flexible application for most Windows®

PCs. The application essentially converts a PC into a gift card

terminal. Just add a card reader, and a PC can accept and issue gift

cards with the same ease and flexibility as a POS terminal.

making it Work for isos and acquirersFor more than a decade, ISOs and acquirers have turned to Opticard

as the gift and loyalty platform of choice for their merchants.

Through multiple reseller models, Opticard offers ISOs and acquirers

a simple and effective way to build merchant portfolios. Opticard

provides complete control through referral and distribution

programs, flexible card production management, online boarding

and numerous terminal download and deployment options.

Control, reliability & Flexibility

With Opticard, ISOs have the control, reliability and flexibility they

need to seamlessly build their merchant portfolios:

• Multiple reseller models, including referral and distribution

• Flexible card production—can be managed by Opticard,

a third party or an ISO

• Flexible terminal download and deployment—can be managed

by Opticard, a third party or an ISO

• Certified with multiple gift card mall partners

• Multiple terminal integrations:

integrated pos terminal pos

Aloha® 4Access

IBM® Gemalto

Micros® 9700 Hypercom®

Micros® 3700 NURIT

NCR TechTrex

POSitouch® VeriFone®

Squirrel®

Opticard offers the features and benefits merchants seek. By

partnering with Opticard, ISOs can offer their clients a means to

attract new customers, generate incremental sales, increase

customer loyalty and reduce current costs. With Opticard, ISOs

can leverage several unique program features:

• Integrated gift/loyalty on a single platform

• Multi-merchant and franchise settlement models

• Real-time reporting

• Flexible program definition and management

• Online boarding capability (Web or XML)

• First or second level help desk support

www.opticard.com

Corporate Headquarters407 N. 117th StreetOmaha, NE, USA 68154+ 1.800.979.9166 Canada offiCe8403 Coronet RoadEdmonton, Alberta, Canada T6E 4N7+ 1.780.424.4922

sCot tsdale offiCe16701 North 90th Street, Suite 100Scottsdale, AZ 85260+ 1.877.331.2900

www.opticard.com