Discover Network Cash Over

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The Discover Network Cash Over program adds a valuable utility to credit cards – the ability to get cash without additional fees at the point of sale. Research shows that 57%* of debit card users claim that the ability to get cash at the point of sale will result in more usage of their card. Why not offer the same benefit with a credit card? By providing cardholders with more convenience and utility on one card, Cash Over can help drive volume and create lasting relationships. Cash Over success has even been recognized by Cards & Payments for combining the benefits of an ATM with a credit card, and was honored as one of the Best New Products for 2007.
^* Digital Transactions, August 2006.

Cash Over creates exclusive opportunities to:

Strengthen customer loyalty through convenience

By providing one—stop shopping convenience that saves customers time and money, Cash Over helps build customer preference, which in turn typically increases transaction volumes and repeat business.

Increase transaction volume

Shown to typically increase transactions and number of repeat visits while driving higher-average ticket sales,^* Cash Over is a unique payment program designed to help grow business and add value to the customer experience.
*Based on consumer research conducted on behalf of Discover Network.

Attract new customers

Cash Over helps merchants attract new customers seeking the added convenience of no-fee cash access at the point of sale. It also gives issuers a unique selling point to take into markets that appear to be saturated with similar offers.

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The added utility and convenience of Cash Over have been shown to increase customer transactions by 23% and average ticket size by 7% (not including the cash amount).* That’s roughly three to four times the lift seen by typical merchant loyalty programs!**

* Discover Network study.
** Based on date from leading loyalty programs.

**Over 8,700 merchant locations offer Cash Over today*:

ACME Big Y World Class Market Bloom Carr's Dominicks Food 4 Less Food Lion Gelson's Supermarket Genuardi’s	GetGo GiantEagle Hannaford Heinen’s Jewel/Osco Kash n’ Karry Meijer Pavilions Ralphs's	Randalls Safeway SAM’s CLUB Sweetbay Supermarket Tom Thumb Vons Walmart
*** Each store has a Cash Over limit per purchase. Check with your store for details.

DETAILS SPECIFIC TO:

The Cash Over program offers a unique and convenient way for cardholders to access cash through their Discover Network Cards—driving the issuer’s card to top of wallet. That means higher volumes and more profits from increased usage, while issuers build strong customer preference and card loyalty. Research shows that 57%^* of debit card users claim the ability to get cash back at the point of sale will result in more card usage. Why not offer the same benefit to your credit cardholders? ^* Digital Transactions, August 2006. Cash Over helps issuers to: Drive volume and revenue Cash Over provides an easy way to increase volume. By providing cardholders with a convenient way to access cash at their favorite merchants, Cash Over helps increase card usage by incorporating fee-free cash access at the point of sale. Deepen customer loyalty The added convenience of Cash Over strengthens loyalty to your card. The Cash Over program drives cardholders to reach for the issuer’s card to pay for their purchases— while putting cash in their pockets. Attract new cardholders The benefits of this exclusive offering, including fee-free cash access at the point of sale and simplified management of personal finances, help issuers differentiate themselves and attract new cardholders. Receive unparalleled support With Cash Over issuers gain access to a wealth of resources to increase the success of their card programs. Issuers can receive program tips, educational materials, promotional content and ideas, and even participate in joint marketing opportunities with select retailers to maximize reach. To learn more about adding product features to your Discover Network program, contact your Relationship Manager or click to Get Started today. Exclusively from Discover Network, the Cash Over program provides customers with another reason to shop at your stores—the convenience of getting cash at the point of sale when they make a purchase with credit. The added utility and convenience of Cash Over have been shown to increase customer transactions by 23% and average ticket size by 7% (not including the cash amount).^* That’s roughly three to four times the lift seen by typical merchant loyalty programs!^^ ^* Discover Network study. ^^ Based on data from leading loyalty programs. Cash Over helps merchants to: Increase revenue Cash Over provides an easy way to increase sales without incurring any additional fees for merchants or their customers. Shown to increase transactions and repeat visits while driving higher-average ticket sales,^*Cash Over is a distinctive payment program to help grow your business and add unique value to the customer experience. ^2007 Discover Network study. Strengthen customer loyalty A recent Discover Network analysis showed that Cash Over* resulted in a significant increase in repeat visits.^* By providing one-stop shopping that offers no-fee cash access at the point of sale, you build store preference and loyalty. ^Discover Network study. Attract new customers Cash Over* attracts new customers seeking the convenience of no-fee cash access at the point of sale during everyday shopping. What’s more, Cash Over customers are shown to spend more frequently-adding to your bottom line. Getting started is simple 1. Contact your Discover Network Relationship Manager to register. 2. Complete the required merchant processor formatting. 3. Enable your point-of-sale terminals to prompt customers for Cash Over on all Discover Network Cards. To learn more about implementing Discover Network product features, contact your Relationship Manager or click to Get Started today.