WE ENABLE OUR CUSTOMERS TO MAKE THE SALE

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1 WE ENABLE OUR CUSTOMERS TO MAKE THE SALE

2 PROVIDING YOU WITH GREAT VALUE AND EXCELLENT CUSTOMER SERVICE At WorldPay, we make it easy to accept payments anywhere you do business - in person, online or on the go. And for the more than 400,000 businesses we serve around the world, from the shop around the corner to some of the name brands you know, we enable our customers to make the sale!

3 BIG SUPPORT FOR SMALL BUSINESSES We help our customers eliminate barriers to success so you can make the sale. From simplifi ed pricing that gives you the ability to better manage your overall cost of card acceptance to the strongest transaction security available to 24/7 customer service in any language everything we do is about helping you win the day. Today, it s no longer a question of whether you should accept cards. A business that doesn t accept credit cards is at a distinct disadvantage which is why it pays to choose the right payments processor. WorldPay is the right choice because while rates are important - and ours are highly competitive - it s more about the value you receive. No other processor will provide you with greater value! WE ARE AROUND THE WORLD, AROUND THE CORNER A top-3 processor globally with over 400,000 customers We processed 7.7 billion transactions in 2010 totaling $443 billion over 21 million transactions per day, nearly 1,000 per second Across the globe, WorldPay delivers the same reliable, round-the-clock service No other payments processor offers the high level of connectivity that we do No other business combines our scale, geographic reach and capability across all the touch points of capturing, processing and settling transactions. YOU CAN LOWER YOUR OVERALL COST OF ACCEPTANCE Businesses across the country save money with WorldPay. It s very likely you can, too. Beyond providing competitive pricing, we re always looking for ways to help you save money. DO YOU KEY TRANSACTIONS? You can lower your costs by using our Address Verifi cation Service, where allowed by law. Plus your monthly processing statement will display transactions so it s easy to identify additional opportunities for savings. ARE YOU STILL USING A DIAL TERMINAL? Switch to high-speed processing and you may be able to immediately save money on every transaction. DO YOU PROMPT FOR A PIN? PIN-secured debit is more secure and may cost less than a comparable signature-debit transaction.

4 WORLDPAY IS THE DIRECT SOURCE ELIMINATE THE MIDDLEMAN and their extra fees by accepting cards directly through a leading payments processor. As the direct source, we securely authorize your card payments directly with the payment networks, not through a third-party. Our lower cost base allows us to provide your business with great value and excellent customer service. NEVER LOSE A CUSTOMER because you don t accept their preferred payment type. With all major payment networks, gift, check and ACH options, WorldPay will always help you make the sale in person, online or on the go. IMPROVE CASH FLOW with our accurate, timely and easy-toreconcile settlement the exact amount you process and next-day deposits to your Citizens or Charter One account. If you don t have a Citizens or Charter One account, WorldPay accepts batches as late as 4:00 AM ET / 1:00 AM PT to initiate funding. SALE TRANSACTION DAY SETTLEMENT FILE RECEIVED BY 4:00 AM ET FUNDING FOR ACH TO CITIZENS ACCOUNTS Monday Tuesday Tuesday Wednesday Tuesday Wednesday Wednesday Thursday Wednesday Thursday Thursday Friday Thursday Friday Friday Monday Friday Saturday Monday Tuesday Saturday Sunday Monday Tuesday Sunday Monday Monday Tuesday ACH TO OTHER INSTITUTION DDAS

5 EVERY PAYMENT, EVERY TIME CREDIT Direct connections to all major card networks, including Visa, MasterCard, Discover and American Express provide our customers value pricing. PIN-SECURED DEBIT Possibly lower your cost of acceptance by prompting customers to enter their PIN at the point of sale. EBT State and federal benefi ts are increasingly issued via Electronic Benefi ts cards. WorldPay customers with PINbased debit also have the option of accepting EBT cards. CHECKS WorldPay s partnership with CrossCheck allows our customers to accept checks with low risk. RECURRING PAYMENTS Automate the management and collection of scheduled payments. Set up daily, weekly or monthly plans that charge your customer s credit card or checking account. MARKET AND GROW YOUR BUSINESS Begin selling your own gift cards or launch a customizable, card-based customer loyalty program in as little as two weeks. Real-time, online reporting makes managing your program a breeze. GIFT CARDS Purchases with gift cards can result in up to a 50% higher average ticket. With 9-out-of-10 people purchasing or receiving at least one card in the last 12 months, consumer demand has expanded prepaid well beyond retail. Personalize up to 21 card options with up to six lines of text or create your own custom card design. Find the right option for your business at WorldPay.us/GiftCards. LOYALTY CARDS WorldPay s out-of-the-box loyalty card program allows you to easily (and frequently) create and track promotions to incent repeat business and reward your best customers. Double points, buy-10-get-1-free, whatever you have in mind...it s automatically managed through your credit card terminal. ACCEPT PAYMENTS ANYWHERE, ANYTIME IN PERSON Switch to high-speed processing to potentially save money on every transaction. Add a PIN-pad for additional savings on larger purchases. Use your existing equipment or your WorldPay Account Executive can recommend the right terminal for your business. ONLINE Securely sell online or take payments over the phone. Login to the Virtual Terminal to accept payments through your computer. Add a mag-stripe reader to secure more favorable card-present rates. ON THE GO Wireless terminals and cellphone applications mean you re free to accept payments practically anywhere. WorldPay customers also have 24/7 access to a toll-free Automated Voice System (AVS) to secure a credit card authorization. DEBIT CHECK GIFT

6 WORLDPAY HELPS PROTECT YOUR BUSINESS PROTECT YOUR BUSINESS AND CUSTOMERS from losses related to card data theft. WorldPay provides the tools and support you need to secure your point of sale, protect cardholder transactions and adhere to Payment Card Industry (PCI) best practices. PROTECT ALL CARD DATA to help avoid the signifi cant expense and reputational damage caused by data breach or identity theft. Use WorldPay s end-to-end encryption solution to secure card data throughout the entire transaction process. RECEIVE AN INDEMNITY WAIVER OF UP TO $100,000 with the purchase of a WorldPay security program.

7 PCI COMPLIANCE PROGRAM END-TO-END ENCRYPTION WORLDPAY HELPS PROTECT YOUR BUSINESS Visa, MasterCard, Discover and American Express require businesses to adhere to the Payment Card Industry Data Security Standard (PCI DSS) to protect cardholder data. We provide the resources you need to validate your PCI DSS compliance, including: ONLINE SELF-ASSESSMENT QUESTIONNAIRE Quickly and easily evaluate how you accept credit card payments to identify any areas of your business where you may fall short of the minimum security requirements of the payment card industry. NETWORK SCAN Use WorldPay s PCI Portal to schedule online external vulnerability scanning of your IP addresses to identify potential points that can be compromised or hacked. ADVANCED PAYMENT SECURITY WorldPay provides the most advanced payment security available, encrypting the transaction throughout the entire process - from the moment a card is swiped through your tamper-resistant terminal, all the way to authorization. Encryption completely removes cardholder data from your business environment, virtually eliminating the possibility of identity theft - thus reducing the actions required to remain PCI compliant. REDUCES YOUR LIABILITY Customer data is not exposed in the event that a hacker gains access to your Point of Sale terminal, network or server. ELIMINATE UNNECESSARY COSTS Avoid the substantial fi nes, auditing costs and reputational damage associated with a data compromise. SUBSCRIPTION INCLUDES True End-to-End Encryption from Card Swipe to the Processor Hardware Based Encryption in a Tamper Resistant Security Module Encryption Monitoring Component to ensure 100% Encryption Compliance Self-Assessment Questionnaire and Assistance PCI DSS Support Desk to Answer Any Questions About PCI and How to Validate Your Compliance. PCI DSS Experts Who Will Provide You With Individual Help in the Event of a Data Breach. Annual External Network Scan PCI COMPLIANCE PROGRAM END-TO-END ENCRYPTION PROGRAM UP TO A $100,000 INDEMNITY WAIVER Both programs come with an Indemnity Waiver between $30,000 and $100,000 to help cover approved costs in the event of a data breach, including: Forensic Audit Association Fine(s) Card Replacement Costs Chargeback-Related Costs Indemnity Waiver in the event of a data breach includes: Forensic Audit Association Fine(s) Card Replacement Costs Chargeback-Related Costs Up to $30,000 per event Up to $100,000 per event

8 THE PEOPLE BEHIND THE PAYMENTS RECEIVE PERSONAL ATTENTION from a knowledgeable Account Executive who will offer the right solution for your business and help ensure your service is activated quickly and works as expected. GET HELP ANYTIME YOU NEED IT from a friendly, highly trained, US-based Customer Service representative 24/7. SIMPLIFY RECONCILIATION with real-time transaction reporting that provides immediate access to the details you can use to manage your payment acceptance. ENJOY PEACE OF MIND knowing our best-in-class terminal support including supply packages and next-morning replacements helps your business keep accepting payments and making the sale.

9 24/7 CUSTOMER SERVICE TRANSACTION DETAILS AT YOUR FINGERTIPS NEXT-DAY EQUIPMENT REPLACEMENT AND SUPPLIES Our knowledgeable WorldPay Account Executives quickly set up your service and ensure that it is working properly...and that s just the start of how we provide an excellent customer experience. HIGHLY TRAINED, US-BASED CALL CENTER Live customer service anytime. With more than a month of specialized training before they take their fi rst call, our Customer Care and Help Desk reps strive for one-call resolution. MOST CALLS ANSWERED IN 30 SECONDS OR LESS Your time is valuable. Our goal is to help you reach a customer service rep within 30 seconds...and usually, we are able to meet that goal. WE SPEAK YOUR LANGUAGE 158 of them, in fact. When you call into our Customer Care and Help Desk, we will have someone who speaks your native language. Quickly and easily reconcile your account with real-time transaction reporting online. Customers can login at: Reporting.WorldPay.us ACCESS THE LEVEL OF DETAIL YOU WANT Login to confi rm the amount of yesterday s deposit or export details about every card payment you ve accepted in the last 18 months. Import details into your business accounting software. CONTROL USER ACCESS Set permission levels to control who can see what types of information around your reporting. ALL OF YOUR REPORTING IN ONE PLACE Your monthly processing statement Deposits Card Fees Billing Fees Unmatched Returns Transactions Daily Activity Retrieval Requests Chargeback Details Even with normal usage, POS terminals can break down or fail, leaving you unable to accept credit or debit cards - which can result in lost sales. Ask your Account Executive about our value-added equipment replacement and supplies program. OVERNIGHT EQUIPMENT REPLACEMENT ON Terminals Printers PIN pads Check readers PREPAID TERMINAL SUPPLIES Eliminate the hassles of running out to an offi ce supply store. Items are delivered to your door, including: Printer paper Terminal ribbons Acceptance decals Manual imprint credit card slips

10 WE RE HERE TO ANSWER YOUR QUESTIONS AND EXCEED YOUR EXPECTATIONS

11 WHAT MAKES WORLDPAY DIFFERENT FROM THE OTHER GUYS WHO KNOCK ON MY DOOR EVERY DAY? First and foremost, it s your Account Executive. Your local Account Executive will take the time to learn your business, understand your needs and answer all of your questions. He or she can tell you how other businesses in the area have handled challenges like yours and what you can learn from their experience. Your local contact can keep you up-to-date with industry changes, show you how to keep costs down, help you plan ahead before your equipment becomes outdated and recommend ways to minimize risk. WHAT S MY RATE? That is the magic question that too many processors do everything to avoid. Not WorldPay. Our rates are fair and competitive. With simplifi ed, value-based pricing, we make it easy to see exactly what you pay to accept credit cards and what actions you can take to minimize unnecessary surcharges from the card networks. CAN I USE MY EXISTING EQUIPMENT? Very likely. WorldPay is certifi ed on most existing payment terminals, systems and software. This makes switching to WorldPay quick and easy. If your current system doesn t provide the speed, security or processing options you need, our highly trained Account Executives can help you upgrade. DO YOU SUPPORT OTHER PAYMENT OPTIONS? Absolutely. From a web-based Virtual Terminal (accessed through your computer) to payment processing via your smart phone - and many, many other options - your Account Executive can help select the right solution for your business needs. DOES WORLDPAY MONITOR MY ACCOUNT FOR FRAUDULENT TRANSACTIONS? Yes. We have a sophisticated fraud-monitoring system that reviews every payment transaction received for processing. If a transaction is suspect, a Fraud Representative will review it and may contact you to ensure its accuracy, helping protect you and your customers from fraud. WHAT IF I HAVE OTHER QUESTIONS? If you have more questions or need help choosing the best payment processing solutions for your small business just give us call. Your local Account Executive s business card is attached to the back panel.

12 YOUR LOCAL CONNECTION TONY KUTTNER WorldPay.com WorldPay US, Inc. is sponsored by RBS Citizens, NA. No representation, warranty, or assurance of any kind, express or implied, is made as to the accuracy or completeness of the information contained in this document and WorldPay accepts no obligation to any recipient to update or correct any information contained herein. The information in this document is published for information purposes only. Views expressed herein are not intended to be and should not be viewed as advice or as a recommendation. You should take independent advice on issues that are of concern to you /11 Copyright 2011 WorldPay US, Inc. All rights reserved.

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