Problem
You own clothing store.  Your contribution margin per sale to a typical customer is $30.  That typical customer visits the store four times per year, and the expected life of  a typical customer is five years.  On average, you spend $30 in customer acquisition costs for each new customer, and you spend $10 per customer every year on a loyalty program.
Assuming a 10% discount rate, what is your CLV for a typical customer?