Global Savings Plan (GSP) Manual

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2 Overview: Our exclusive Global Savings Plan offers members the ability to save thousands of dollars throughout the year by offering discounts, coupons, and cash back on everyday purchases. What makes this membership unique is the ability to shop at the same stores without any change to your normal buying habits. The purpose of this document is to provide full detail on the membership functions and benefits. Please read this entire document to maximize your cash back, savings, and membership benefits. We have broken each section down and included a Frequently Asked Questions (FAQ) section at the end. Product Features: The Instant Savings Benefit (ISB): Now with over 300,000 stores worldwide, we bring you the best in discounted travel, offers, discounts, and even coupons. By simply clicking on the GSP tab in your back office, register your account by clicking on the Instant Savings Benefit (ISB) link, and you will have a world of discounts at your fingertips. There is no limit to the number of discounts, and you may use this benefit as many times as desired. Saivian Merchant Offers: Exclusive access to the offers and discounts supplied by our network of local merchants around the world! Small local businesses and merchants are being added to our network daily, which means even more discounts to places you already shop. Details coming soon on this NEW enhancement to the membership. Cash Back Enhanced: We are known worldwide for our point of sale data collecting and the very best in cash back benefits to our members. GSP Members automatically receive Cash Back Enhanced and are able to choose up to 20 stores (with no more than 10 being from non-map store locations) and receive up to 20% cash back on the receipts. We have the cash back details in the descriptive sections below. 1 P age

3 Non-MAP store: Global Savings Plan (GSP) Manual Our definition of a non-map store is any retail store (see the section retail store below) that sells retail items (see the section retail items below) and offers the customer a point of sale (POS) or purchase receipt of which is not a part of our Merchant Advertising Platform. This store must also accept valid payment methods for their products, such as credit or debit cards, and must allow the last (3-4) digits of the cardholders credit or debit card to be visible on the POS, or purchase receipt, for our database to verify that purchase was made from the Saivian member with the correct card number registered. Hotels and airline tickets booked direct and not with a third party travel agent (online or local) will also count as a non-map store. (See the section below labeled Cash Back on Travel for more information.) Retail Store: Examples of approved non-map stores would include your favorite big box retail chains, local stores, gas stations, restaurants, nail and hair salons (because of the product used on the nails and hair), and even online stores. (See the section below labeled Online Stores for more information.) Purchases made by cash, check, or gift card are not valid as the payment method is not trackable. These purchases will not be approved for a cash back redemption with our membership. Wholesale items, service based businesses, or retail items in which a receipt is handwritten will not qualify. Retail Items: The retail store must offer retail items as described in this section. Our definition of a retail item is any physical item that is purchased from a retail store and the sale from that item creates a profit to the business. Retail purchases include, but are not limited to: grocery items, gasoline, dining out (not including tips or gratuity), prescription medication, clothing, automotive parts, school supplies, etc. *Note: Prepaid gift cards, credit/debit cards, gas cards or any other form of money exchange is not considered a retail purchase and will not be approved for a cash back redemption. 2 P age

4 What type of retail store wouldn t qualify? Any service based business wouldn t qualify for a cash back redemption with our membership. Service based businesses include, but are not limited to: automotive repair, computer repair, chiropractic services, a massage parlor, gym memberships, piano lessons, etc. A good rule of thumb is if you are paying for labor or service it will not qualify for a cash back redemption unless, of course, that establishment was a member of our Merchant Advertising Platform. Store Selection: You may select up to 20 stores per redemption cycle. No more than 10 can be non- MAP stores (as described above) and the rest may be selected from our network of Saivian Merchants or MAP Stores. For example, you may select 5 non-map and 15 MAP stores or 10 non-map and 10 MAP. You can add stores on the fly or as you go. You may also remove a store once it has been entered, unless you have submitted a receipt record. Once a receipt record has been entered, it will stay locked in until the redemption for that record has been submitted. (See Receipt Redemption section for more information.) Online stores: Yes! Even online shopping is approved for cash back redemption. You may choose any online retail store that also has a physical brick and mortar store. *Note: Online auctions, wholesalers, or stores with no physical location (like Amazon or ebay) are not valid online non-map stores. Receipt Range: Saivian International is interested in the buying habits of our everyday shoppers. To capitalize on the most valuable data to our marketing partners around the world, we have implemented an acceptable range of receipt subtotals. Each retail receipt must be within $5 to $300 (USD) subtotal per receipt or $50 to $3000 (USD) subtotal on hotel receipts and/or airline tickets. 3 P age

5 Cash Back on Travel: We will now accept receipts from hotels and airlines purchased direct. We will not accept travel receipts from any third party online or physical brick and mortar travel agencies. Rental cars receipts and receipts from any other forms of travel are not accepted. Airline: Flights booked direct with the airline of choice must also include the boarding pass along with the receipt as proof the flight was taken. All airline tickets must be purchased and taken within the same 30-day period to claim your cash back redemption for it. Hotel: Hotel receipts purchased directly with that chain or vendor will qualify for cash back redemptions. Resorts, time-shares, cruises, apartments, AirBnB, and rent will not qualify for cash back redemptions. Cash Back Amounts: You may turn in an unlimited amount of receipts (both retail and travel) during this promotional rollout period (through March 11 th 2017). All receipts submitted will qualify for rollover (See Rollover from receipts below). The total amount of the cash back redemption will be a minimum of $125 and will not exceed the maximum of $250 per 30-day redemption cycle. See the chart listed below. Minimum $125 cash back $625 total receipts submitted Max $250 cash back $1,250 total receipts submitted *See Receipt Redemption for more information. 4 P age

6 Rollover from receipts: If the total number of receipts turned in exceeds the maximum for cash back benefits, then the unused receipts will be automatically saved and rolled over to be used towards the next redemption. The rollover feature on each receipt has a lifespan of 70 days from the date of the last redemption. If the unused receipts are not used on that next redemption, then they will not continue to roll over. The idea behind this process is to keep fresh new data coming in while also allowing the member to make use of the receipts that went unused the month before. This rollover feature ONLY applies to GSP members with Cash Back Enhanced enabled. Receipt Redemption The member may submit a cash back redemption every 30 days (or 30 days from the last redemption). Once the time has come to submit your receipts to be processed for cash back, follow the steps outlined below. *Step 1: Click on the Cash Back Account/Redemption button. *Step 2: Select the amount you wish to redeem from the dropdown menu. Then click Enter Redemption Note: If this is your first receipt redemption, the amount available to redeem will be $ P age

7 *Step 3: Optimize your receipts! We want to make sure you don t leave any money on the table. Click the Optimize Credit Distribution button. *Note: You can see how the receipts were rearranged to maximize the amount of cash back with less overage. In this example, the redemption would have an overage of $ As you can see, with the optimize option there was only $4.79 left over. The rest of the receipts will continue until the next redemption. *Step 4: Follow the instructions on the Enhanced Cash Back Redemption page and then click the Submit Redemption button once finished. We are making the redemption process even easier with implementation of our new mobile app! The detailed instructions of that process will be outlined when the redemption feature is released for the app. 6 P age

8 Redemption Approval Process: On the date that your receipt redemption is submitted, it will go into our verification and approval process for a 60-day period. On the 60th day, you will be able to transfer the cash back to your payment method of choice under SaiviPAY. If you choose to get your redemption earlier than 60 days, you may redeem 30 days after receipt submission for a SaiviCard of your choice. Keep in mind that there is a 7- day accounting review. Once completed, your SaiviCard will be credited to the SaiviCard tab in your back office. Simply put. 30 days of shopping. 60 days of processing (unless you opt in for early redemption in the form of a SaiviCard as detailed above). If you, as a member, are submitting a receipt redemption every 30 days, then you will be receiving cash back every month after your first initial 90 days. It s the same process as any other type of rebate offer, but we just take it to a whole new level buy letting you decide where and when to shop. 7 P age

9 Frequently Asked Questions (FAQ): 1. What does the Global Savings Plan (GSP) cost? Access to our membership is $125 (USD) payable every 28 days. 2. What is included in the Global Savings Plan (GSP)? The GSP includes: The Instant Savings Benefit (ISB) The Travel Portal Cash Back Enhanced program o Pick your own stores o Receive up to 20% cash back on your everyday shopping o Member access to our Free mobile app to scan your receipt purchases 3. Is there a contract to keep the membership for any length of time? We want our members to love our membership enough to stay with us on their own. There is no contract and they may cancel at any time. 4. Do you have a referral program? Yes. If you wish to become an affiliate you may share this exclusive membership with others and receive commissions as well! 5. What is Saivian s cancellation policy? A newly enrolled member has 72 hours to cancel their membership for a full refund of their membership if paid by credit card through EPIN. There are no refunds on SaiviCards (formally known as passes) as all sales are final. If a member would like to cancel their membership, they must click the cancelation button in the profile tab prior to the start of their next membership cycle to prevent future charges. 8 P age

10 6. Can I choose where to shop? Yes. Our members can select up to 20 retail locations per redemption period (Every 30 days) with no more than 10 stores being non-map stores. 7. What is considered a MAP and non-map store? MAP stores are merchants that participate in Saivian s Merchant Advertising Platform (MAP). Non-MAP stores include any other retail location that the member may choose (on-line and brick and mortar) plus airlines and hotels. This can be a small local restaurant or gas station, or a big retail chain. One store must include only the specific location and not the entire chain of stores. 8. Do online stores like Amazon and ebay count as non-map stores? No, all non-map stores must have a brick and mortar location in order to be used. For example, a member could choose Target.com because there are Target brick and mortar stores across the globe. 9. When can a member enter stores? Stores can be entered as you use them throughout the month. Once a store is added and a receipt has been entered for that location, it cannot be removed until your next redemption. 10. How often can a member change their MAP and non-map stores? Members can change their stores after every cash back redemption has taken place (every 30 days). 11. Are there weekly or monthly maximums for receipts entered? Members can enter an unlimited amount of receipts but receive a maximum of $250 in cash back each month with all remaining receipts rolling over. 12. Can a receipt be any amount? All receipts must be between $5-300 for retail purchases and between $ for flights and hotels. The amount must be the subtotal only and not include any taxes or tips/gratuity. 9 P age

11 13. Can a member purchase gift cards or prepaid cards, at the store they chose, then turn in that receipt for cash back? No. We verify all the receipt data with our internal process and those items are not considered retail purchases. The money is just changing forms. 14. What happens if I enter more than $1250 in receipts a month? All receipts over the initial $1250 will rollover to the next month and can be applied to the members next redemption. There are no limits to the number of receipts you may enter. 15. What form of payment can a member use when purchasing items for the cash back program? Members must register the last 4 digits of one credit/debit card with Saivian and use this card for all purchases turned in through the cash back portal. This is how Saivian can track individual spending habits. The credit card can be changed once every 30 days or after a member redeems. 16. What does a member do if their credit card is lost or stolen in the middle of a redemption cycle? There is a link to click lost or stolen card if this occurs. The member must submit proof of the new card issued by the bank or credit card agency during their next redemption. 17. What travel receipts can be included? Hotel and Airline tickets. Must be purchased direct and not through a third party travel agency or website (like hotels.com, Travelocity, Expedia, etc) 18. When should airline tickets be entered? Airline receipts should be entered after the date of travel. The original date of purchase for the ticket must also be within the same receipt redemption period. The Saivian member is required to submit the receipt from the airline as well as a copy of the passengers boarding pass as proof that the flight was taken. 10 P age

12 19. Will any AirBnB or Vacation Rentals by Owner (VRBO) count as hotels? No. Our marketing partners aren t interested in that data. 20. Will public transportation like a bus or a train receipt count as travel? No. Our marketing partners aren t interested in that data. Redemption FAQ: 1. How often can redemptions be submitted? All redemptions can be submitted once every 30 days in increments of $125 and $250. A member s first redemption is $125 and may be up to $250 every month following if there is enough in the redemption wallet. 2. Why is the redemption button not working? Either it has not been a full 30 days since your last redemption or you do not have enough money in your redemption wallet to redeem. A member can redeem in increments of $125 and $ What time of the day can a member submit their redemptions? Redemptions can be submitted 24 hours a day, Monday-Friday EST. 4. What is the Receipt Optimizer for? By selecting this option during the redemption process members are able to get the most out of their cash back. This program selects receipts that get the member as close to $125 or $250 as it can, minimizing the overage. This prevents loss of cash back by the member and maximizes their membership. 5. If someone adds any merchant mid-rebate-cycle, does it reset the rebate cycle? No it does not reset the rebate cycle. You may add the airline, hotel, retail store, or any MAP store on the fly (or for better understanding, 'as you need') at any time. The redemption cycle (every 30 days) will never change. The initial registration submit button starts the whole redemption cycle and may not be changed for the duration of the membership. 11 P age