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How can institutions increase non-interest income and still provide

value to their account holders?

CustomerStream has developed a proven approach in a product called

CardCash^TM—a product designed to differentiate community financial

institutions from their competition without having to increase

checking account fees.

ReferLive^TMis an easy way to unlock the power of your customer community. Proactively drive referrals, open new accounts, reward existing and new customers.

Benefits of ReferLive^TM:

• Increase in referrals year over year
• Referral tracking and data-base development
       for future campaigns
• Lower cost per account
• Maximum return on investment

CS Direct^TM is a retail and small business checking acquisition program targeting

high-value checking customers through many innovative attainment strategies.

We know your customer.