CREDIT CARD SOLUTIONS
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1 CREDIT CARD SOLUTIONS Our Approach Is Based On Building Long-Term Relationships At Elan, we work towards building strong, lasting partnerships based on transparency and trust. These tenets help ensure that our partners remain loyal and satisfied: EXPERTISE. Almost a half century of industry-leading expertise leveraged to ensure success. RESULTS. The best products, processes and focus produce the best results. CONFIDENCE. Your success is our success. Elan treats your cardmembers and brand as if they were our own.
2 ELAN. THE FIRST CHOICE OF AMERICA S BANKS As America s leading agent credit card issuer, Elan serves more than 1,500 active financial institutions. For more than 47 years, we ve continuously invested in our partnerships, while maintaining a commitment to outstanding service. The Elan Advantage: A proven road map for results Our five key points of differentiation (as outlined to the right) can be tailored to meet your specific needs. Whether you manage your credit card program, currently partner with another agent credit card issuer or are looking to begin a program, Elan has a solution. 1. What Card Are You Carrying? What Cards Are Your Cardmembers Carrying? Best-In-Class Credit Card Products From valuable rewards to competitive rates, our credit card products are designed to drive front-of-wallet status and appeal to a broad range of customer segments. 2. Will Your Program Be Effectively Marketed? High-Impact Marketing Solutions To help drive engagement across your program, we provide fully funded marketing campaigns, including acquisition, upgrade, activation, usage and branch incentive programs. In addition, free state-of-the-art training is provided on an ongoing basis to ensure all employees are educated and engaged in the program. 3. How Well Are You Navigating the Changing Regulatory Environment? Risk Management & Compliance Framework Today s changing legal and regulatory environment has put a strain on credit card profitability and resources. Outsourcing a credit card program shifts the majority of that responsibility to a dedicated partner. 4. Does Your Credit Card Program Have the Tools and Support that It Needs to Grow? Comprehensive Resources Get exclusive access to resources and reporting to help you maximize the effectiveness of your program through our Client Resource Center. You ll receive daily and monthly online reports, ongoing program communications, marketing materials and more. In addition, branch staff can track applications and provide additional customer information to aid in the underwriting process. 5. What Level of Service is Offered to Your Cardmembers? Relationship Management Every aspect of our servicing is managed domestically in-house, including 24/7 call centers for your cardmembers. 2
3 1. BEST-IN-CLASS CARD PRODUCTS Our full suite of credit card products empowers you to effectively compete against your primary regional competitors as well as national direct mail issuers. From valuable rewards and competitive rates, our card products are designed to drive front-of-wallet status and appeal to a broad range of cardmember segments. CONSUMER CARDS Bonus Rewards (Lead Product) Bonus Rewards PLUS Platinum Additional products are available for niche markets BUSINESS CARDS Business Bonus Rewards (Lead Product) Business Bonus Rewards PLUS Business Card Additional Business/Commercial Products No annual fee $25 cash back with first purchase $1 = 1 point, 25% monthly bonus points on all net purchases $50 annual fee $50 cash back with first purchase $1 = 1 point, 50% monthly bonus points on all net purchases No-frills card targeting revolvers and plain vanilla customers Highly competitive APR range (Prime % 17.74%) Signature Elite (Wealth Management/Private Banking) College Rewards (Young Adult) Secured Card (Credit Builders/Rebuilders) Joint and several liability No annual fee $25 cash back with first purchase $1 = 1 point, 25% monthly bonus points on all net purchases $50 annual fee $50 cash back with first purchase $1 = 1 point, 50% monthly bonus points on all net purchases Joint and several liability No annual fee Non-rewards Business Company Cards (Corporate level liability, optional rewards) CommUNITY Rewards (Target nonprofit agencies, government offices, municipalities, corporate level liability) Our industry-leading rewards will drive sales and improve cardmember retention u 1% unlimited cash back, or 1 point for each dollar spent on all net purchases u Generous first-use bonuses, up to 5,000 points u Unrestricted round-trip airline ticket, starting at 25,000 points with no black-out dates u Search, book and redeem points for airline tickets with Travelocity u Brand-name merchandise and gift certificates from popular merchants u Choose Your Own Reward option, which enables cardmembers to make a purchase and redeem their points for the value of the purchase u No caps on rewards program u Five-year redemption period 3
4 2. HIGH-IMPACT MARKETING SOLUTIONS Elan fully funds a turnkey opt-in marketing plan that leverages your financial institution s brand on all cardmember-facing materials. To help drive program engagement you will have access to these marketing programs at no cost. These programs include direct mail campaigns, telemarketing, quarterly and annual branch promotions for both cardmembers and employees. We regularly invest in new and innovative solutions based on input from our partners. Employee Marketing Campaigns u Monthly and quarterly employee promotions u Customized promotions to generate awareness and engagement Call Center Marketing u Employee and group incentives for call center staff u Leverage Elan s online application tool Web Marketing u Online application accessible to members Direct Mail Campaigns u Six target campaigns annually u Leverage our prospect database and your member list to target all customer segments Ongoing Portfolio Marketing u Targeted offers to retain interest by existing cardmembers u Target and resell value proposition to lapsed members 4
5 3. RISK MANAGEMENT & COMPLIANCE FRAMEWORK Leverage the Strength and Expertise of Elan As issuer and creditor, Elan retains primary responsibility to comply with federal laws and regulations governing a national banking association as well as requirements set forth by the OCC and CFPB. 1. Elan issues and is the creditor for all credit cards; 2. Elan provides materials, (e.g., marketing and disclosures) which are approved by its legal and compliance staff, to our clients; and 3. Elan provides training to clients to ensure they understand their program responsibilities. We have a comprehensive risk management and compliance framework, thorough policies and procedures, and independent validation processes to mitigate reputation risk. Elan focuses on cardmember service, transparent reporting, and compliant procedures that meet the spirit and expectations of the financial regulators. Regulatory compliance is guaranteed through the Elan Joint Marketing Agreement in addition to the privacy and confidentiality policies put into place to protect cardmembers. Elan has primary compliance responsibility for all local, state and federal regulations, including, but not limited to: u Fair Credit Billing Act u Fair Debt Collection Protection Act u OFAC u Patriot Act u Anti-Money Laundering Act u Bank Secrecy Act u Reg B u Reg Z u Card Act Elan works directly with many federal agencies to ensure that we run a fair and balanced program. Elan strives to not take any regulatory risks that may put your institution s name or reputation at undue risk. 5
6 4. COMPREHENSIVE RESOURCES Get exclusive access to resources and reporting through our online reporting and management tool, the Client Resource Center. This valuable site provides application processing, daily and monthly online reports, marketing and training materials and many other tools needed to ensure the ongoing successful management of your credit card program. u Request applications and account servicing (make branch payments) u Receive service support and issue resolution protocol u Enroll in branch marketing promotions to grow accounts u Receive timely program communications and updates u Order branch marketing collateral and POS u Download and view comprehensive reports with customized hierarchical access: Application status and processing Business card tracking (if applicable) Product performance Executive summary Cardmember lists Promotions tracking In addition, branch staff are able to track applications and provide additional customer information to aid in the underwriting process. This video is password protected. Please contact us in order to view the video. CLIENT CENTER ORIENTATION 6
7 5. RELATIONSHIP MANAGEMENT Elan strives to provide partner support that exceeds your expectations. We do so via the following functions: Client Services u Internal group is here to support your program u Program level support and Client Resource Center user support Dedicated Account Executive u Dedicated resource to help coordinate the marketing and management of the program u Assists with issue resolution, program reviews, and provides training Relationship Support Team u Helps you help your cardmembers hotline for employees to assist in resolving cardmember inquiries Dedicated Training and Support Team u Manages all ongoing training needs and works to drive engagement by instilling knowledge Dedicated Project Management Team u Oversees the conversion of any pre-existing credit card assets u Ensures that proper branding is used and that website links work properly u Guides your staff with security settings for Client Resource Center u Performs the launch and integration of your credit card program Elan maintains total control over cardmember experience with all servicing performed within the United States. u Three full-service support centers based in Fargo, ND, Coeur d Alene, ID, and Overland Park, KS u 24 hours a day, 365 days a year u Bilingual services 24/7 in Spanish and Korean Additional languages available through our Language Line Assistance u Specialized team to manage escalations (Cardmember Solutions Team) u Dedicated team to support cardmembers who are affected by identity theft u Dedicated fraud team to support cardmembers who experience fraud on their account 7
8 FOR MORE INFORMATION PLEASE VISIT: or call us at:
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