New Opportunities for Lowe’s

Partnership opportunities

Next-generation circulars

Chase’s partnership approach is unique

Far-reaching, multi-faceted relationships with global brands

Market leaders in industriessuch as Travel, Entertainment and e-tailing

Sophisticated data-sharing and cooperative marketing driven by powerful reward and segmentation strategies

Building on a strong existing JPMC relationship

Note: All data as of 1Q 2102 unless otherwise noted

Retail Financial Services

•5,541 branches, 17,200 ATM’s in 23 states

•$381BN in total deposits, 27MM checking accounts

•#2 ATM network, #3 bank by deposits, #2 mortgage originations

Asset & Wealth Management

•Over $1.9 (FY 2011) trillion assets under supervision

•#1 Ultra High Net Worth Bank

Treasury & Securities Services

•Relationships with 84% of the Fortune 500 companies

•#1 global clearer of $US

•Strategic relationship with Lowe’s

Investment Banking

•#1 in Global Investment Banking Fees

•Strategic relationship with Lowe’s

Commercial Banking

•#1 multifamily lender

•#2 large middle market syndicated lender in the U.S.

Chase Card Services

•$344BN (FY 2011) in credit card sales volume

•#1 Visa Issuer, #2 MasterCard Issuer

•#3 Merchant Acquirer

•Paymentech relationship with Lowe’s

•Ultimate Rewards gift card partnership

Marketing reach and access

50%

30%

20%

Relationships with attractive customer segments

80%

15%

5%

Credit and debit accounts

Total = ~120MM

Credit and debit sales

Total = ~$450BN

Middle America

Affluent/SMB

High Net Worth

We offer a full range of credit and banking products to service each customer segment

We have access to scale, unique channels

Chase.com #1 visited banking website

>17,200 ATM’s in 23 states

>5,500 branches in 23 states

Branch Transactions

ATM Online

Statements Mobile

Chase is your best offer partner

Access to detailed customer information

Access to debit and credit transaction data

Ability to offer various offer types

Access to unique channels

• • • •

• •

• • •

We have delivered powerful marketing results

10X lift in gift card purchases 40%+ lift in quarterly sales

Partnership construct

Programs supported by flexible offer platform

Flexible offer delivery platform

Intelligent targeting engine

Offers

Can support multiple offer types

Platform provides easy to use targeting tools

Delivers robust campaign performance reporting

Various consumer channels

Cross-sell/up-sell programs

Sample campaign

Identified customers that were visiting Home Depot right after leaving Lowe’s

Push a mobile alert through their Chase mobile app as they leave Lowe’s (after completing a purchase) with an offer to get a 25% discount on next purchase

Current challenges

Hard to message customer at relevant time/place

Inability to see where else a customer is shopping before/after visit

How Chase can help

Leverage specific customer spending patterns to identify opportunities

Leverage installed mobile and online customer engagement to deliver targeted messages at the right-time

Benefit to you

Increase basket size, margin of basket

Identify additional merchandising opportunities

Disengaging customer/loyalty programs

Hard to identify customers who are disengaging before they fully attrite

Lack of visibility into detailed competitive data

Leverage detailed transaction data including competitive data to identify key attrition triggers

Ability to customize messaging based on level of loyalty

Reduce customer sales attrition

Increase visits/customer

Sample campaign

Identify customers who have moved from “loyalists” to “split-loyalists” over the past 3 months

Show a deep discount offer (50% off) for their next purchase next to their Lowe’s transaction on Chase.com with special messaging to reinforce their value as a customer

Current challenges

How Chase can help

Benefit to you

Leveraging our data can also deliver key insights

Example opportunity area Macro customer footprint analysis

(How are you performing vs. key competitors) Can cut data by day of week, store

location/geography, customer segments, etc.

Help identify stores/locations where opportunity exist to improve sales/effectiveness

Summary/next steps

Size and scale of the Chase franchise # 1 Visa/MasterCard issuer by spend on general purpose credit cards Largest financial partner on spend $ volume across credit and debit and customer reach Reach into all key customer segments, from mass to high net-worth Retail banking assets provide vast access into most major markets in the U.S.

Marketing and analytics capabilities Analytics-driven targeting with demonstrated success in driving incremental value to

merchants through offers and promotions Comprehensive multi-channel marketing programs to drive traffic and volume to merchants Marketing platform that provides unmatched flexibility to execute targeted marketing

campaigns

Unique approach to win-win partnerships Broad set of successful partnerships, experience delivering meaningful value to merchants

The value of a partnership with Chase

Chase to deliver detailed partnership proposal by X date

Schedule follow-up meeting to review proposal, including expanded marketing team and agency

Identify additional areas of focus for our analytics team ahead of next meeting

Next steps