The Network Effect Visual1

Streamlining Loyalty with Payments at the Point of Sale using D-PAS Connect

Andrew Rush, Director, International Product Strategy, Discover Global Network

Discover Card Discover Debit Discover Business Diners Club International

BC Card Elo Global JCB NCCC Prosa RuPay Global Troy Global UnionPay Card Card Card

150M+ Cardholders $375B+ Around the 44M+ Generated in Globe1 Global Merchant Spend Locations Opportunity2

190+ Countries and Territories

1 2 RBR – Global Cards Data and Forecasts to 2023 and Discover Global Network participant reporting. 2018 Annual Report Confidential and Proprietary | © 2019 Discover Financial Services Brand and Customer Loyalty

of primary* cardmembers prefer to shop at businesses that accept 71% Discover®

More than half of primary* cardmembers have not returned in the past month when their Discover Card is not accepted

64% 64% Of Discover Primary Cardmembers* blame the business when their Discover Card is not accepted when making a purchase

50% of loyalty members indicated the 54% of loyalty members indicated the program increased the number of items program increased the amount they were purchased.* willing to spend.*

26% 44% 1/2

Of Customers use a Want Personalized Of Companies will increase Loyalty Scheme once a Rewards based on their Investment in Loyalty week or more often1 Purchase History1 over the next 2 years2

1 The Deloitte Consumer Review, Customer Loyalty: A Relationship, not just a scheme 2 LoyaltyOne.com *Loyalty Marketing: The Building Blocks of a Better Customer Experience, eMarketer, July 2019 Confidential and Proprietary | © 2019 Discover Financial Services Meet Andy

Lives in the UK

Corporate Headquarters in the US

Senior Leader

Rewards Opportunist

Coffee Enthusiast

D-PAS Connect

Convenience, Customize Create Benefits, Context, Control Experiences Add Value