WorldPay.com AROUND THE WORLD. AROUND THE CORNER. WORLDPAY IS OPEN FOR BUSINESS.

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1 WorldPay.com AROUND THE WORLD. AROUND THE CORNER. WORLDPAY IS OPEN FOR BUSINESS.

2 CHOOSE PAYMENT SOLUTIONS THAT FIT YOUR BUSINESS Whether you re shopping for gifts, clothing or furniture, fi nding the perfect item at the right price can make your day. WorldPay gives you the same feeling about your payment processing but without all the crowds. So let us show you our selection of products and services. And because we know one size doesn t always fi t all, we re sure we ll have something that will fi t you perfectly.

3 AROUND THE WORLD. AROUND THE CORNER. Success in business comes down to building a personal connection with your customers. WorldPay brings unrivaled expertise and resources to the counter. Processing payments for more than 400,000 businesses worldwide 4.73 million transactions a day 3,200 per minute $196 million in processing volume per day - $136,000 per minute We process card payments in 123 currencies for 135 countries, settle in up to 14 different currencies and our customers can access more than 75 different country-specifi c payment types. More than 1,200 affi liate partners worldwide We are the exclusive merchant services provider for more than 1,600 Citizens and Charter One bank branches. Ranked the fastest-growing, top-10 payment processor by the Nilson Report, March 2009 INTRODUCING WORLDPAY We are the highest-value provider of electronic payment solutions, attracting and developing the best and brightest talent who passionately embrace a commitment to excellence, built on a culture of mutual respect, integrity and trust. We are innovative enough to excel in new markets, nimble enough for the world s largest customers and powerful enough for the smallest. We will work to earn your business every day.

4 WHAT WORLDPAY BRINGS TO THE COUNTER As specialists in the retail industry, WorldPay has a unique understanding of your business needs, providing affordable, fl exible, scalable solutions that grow with your business. In fact, more than half of our US customers are retailers, ranging from name brands to your favorite neighborhood stores. Our customers rely on us to manage the entire transaction, from point-of-sale authorization through settlement of funds. Faster Access to Funds. WorldPay s strategic partnership with Citizens and Charter One banks can help you receive your credit and debit card funds quickly in fact, for settlement completed by 4:00 a.m. ET, funding is provided on the day of settlement with a Citizens or Charter One business checking account or via bank wire. The Preferred Provider. WorldPay has formed strategic and valued partnerships with the retail industry s premier integrated application systems, including Retail Pro, Galaxy, CounterPoint and Sellmate Store Management. Additionally, we support popular payment switch applications such as ACI, AJB, ISD and VeriFone PAYware Transact. Flexible Programs for Franchises. To support franchise-based retail stores, WorldPay s core franchise program is customizable to meet your specifi c needs, including: Set, negotiated pricing to ensure franchisees receive consistent rates across the enterprise base. Simple conversion and roll-out plans to minimize impact (and training) when switching to WorldPay. Upon agreement, WorldPay will mobilize its nationwide direct sales organization and do the legwork to sign up your franchise base. Unsurpassed Service. Our call center and help desk personnel are dedicated to one-call resolution. You can depend on experienced staff answering your questions saving you time and money. Supplies. Eliminate the hassles associated with terminal supplies. With a quick call to Customer Care, your supplies will be shipped on demand. Supplies include printer paper, terminal ribbons, acceptance decals and manual imprint credit card slips. Native Language Support. We provide customer support in many languages and dialects. Monthly Processing Statement. Access your monthly statement anytime online through our secure, password-protected reporting site.

5 WE LEVERAGE OUR INTEGRATED SOLUTIONS TO HELP YOU THRIVE IN TODAY S RETAIL ENVIRONMENT

6 MOST RELIABLE IN THE BUSINESS In an industry where uptime is a top priority and uninterrupted service is expected, retailers know they can count on WorldPay. More than 99% of all calls to our help desk are answered within 30 seconds 24/7. Our record for processing uptime far exceeds industry standards, and we constantly strive to improve even our own high standards of performance. But reliability isn t only about uptime. It also means having the information you need when you need it whether it s through our highly trained Customer Care team or analyzing your detailed transaction information online, anytime. Exceptional Customer Service. Our colleagues are among the most highly trained in the industry, spending nearly eight weeks in specialized training before they take their fi rst call. Dedicated Relationship Teams. Committed to your account, industry experts provide on-going account analysis to identify potential opportunities to optimize your payments program, including recommending operational effi ciencies and identifying cost-saving opportunities or services that can open new markets. We also closely monitor your transaction activity to identify potentially fraudulent bankcard usage and suspicious activity to help protect both your business and your customers.

7 CONVENIENT WEB-BASED TRANSACTION REPORTING Instantly access your account information whenever you need it. WorldPay s secure Web-based program provides a broad range of reports and account information 24 hours a day, 7 days a week. Our user-friendly Website allows merchants to access detailed transaction data on demand, providing time-critical information to identify and help correct potentially costly problems such as downgrades and chargebacks. It s right at your fi ngertips. Account Reconciliation. Deposit details at your fi ngertips simplify reconciliation with your terminal batch reports. Easy Navigation. Intuitive and easy-to-use menus and reports provide quick access to the information you need. Security. State-of-the-Art Secure Socket Layer (SSL) technology restricts access to your data. Defi ne and maintain your own logins to further control access by user, franchise group or location. Downloadable Data Files. Export data fi les directly to your PC in an Excel spreadsheet or an ASCII commadelimited fi le for custom reporting and auditing. Trend Analysis. What percentage of payment transactions comes from debit cards? How many gift cards have been redeemed in the current month? What are the most common reason codes on chargebacks? Access reports at the click of a mouse. Card Qualification Data. Review and analyze downgrade reason codes displayed with batch transaction details to better understand and manage card qualifi cations.

8 WE WILL WORK WITH YOU TO SET UP A PAYMENT PROGRAM TO MEET YOUR SPECIFIC NEEDS We provide fast, reliable payment processing for the full range of card types, including credit, debit and loyalty. WorldPay provides access and advocacy on your behalf to the credit card associations including Visa, MasterCard, Discover, American Express and all of the major PIN-secured debit networks. Our customers are also on the forefront of new payment acceptance, including RevolutionCard TM, the nation s fi rst PIN-secured credit card. Through our strategic alliance with Certegy, an industry-leading check services provider, WorldPay offers multiple check processing options, including Check Verifi cation, Check Warranty and Electronic Check Conversion (ECC). We also offer seamless support and integration with industry-leading retail point-of-sale platforms and middleware providers, including: ACI Activant AJB Datavantage Escalate Retail ISD PC Charge/RiTA Radiant CounterPoint Retail Pro SalePoint Shift4 We proactively work with retail point-of-sale providers to certify new systems to our network and add new features.

9 Global e-commerce. As a leading provider of complex electronic payment services, WorldPay streamlines the challenges of doing business in different currencies, country-specifi c payment types, management of multiple settlement accounts and language barriers. We process card payments in 123 currencies for 135 countries. Our clients can settle in up to 14 different currencies and gain access to more than 75 different country-specifi c payment types. Global Support. Spanning three continents, our global support team provides both the immediate support and the long-term planning necessary for growing revenue worldwide. Simplicity. WorldPay provides an integrated service comprising a single gateway, a fi nely tuned risk module, US and international processors and local acquiring connections across the globe. Competitive Edge. WorldPay is continuously investing in new technologies, enabling you to develop new markets quickly and meet the needs of your customers a step ahead of your competition.

10 DID YOU KNOW? 69% of gift card recipients spent more than $30 over the original card value. Gift cards are the most requested holiday gifts and the most popular for birthdays. 57% of consumers purchased at least one gift card in the last year.

11 WORLDPAY S GIFT CARD PROGRAM Maximize profi ts by offering gift cards a necessity in today s marketplace. WorldPay offers you a total package solution and gives you the business edge when you choose the latest in stored-value technology: Increase revenue from existing customers. Bring in new customers. Develop your brand by using mini-billboards. Use cards for merchandise credits, coupons, comps and rebates. We make it simple and convenient to issue your own gift cards exclusive for your business. Gift card settlement makes it easy for franchises to share a gift card program. WorldPay can automate settlement among franchise group members when a card is redeemed at a location other than where activated. Merchants can choose daily, weekly or monthly settlement. Franchise owners are relieved of the time-consuming and costly process of manually reconciling gift card transactions and they receive detailed reporting on all activity. Our gift cards can be processed through your existing payment terminals, reducing or eliminating time spent to train your staff on a new system. What s more, WorldPay provides an online Gift Card Marketing Kit where you can download artwork for posters, tent cards, inserts, bag stuffers and window decals.

12 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. This document does not purport to be all inclusive or constitute any form of recommendation and is not to be taken as a substitute for the recipient exercising his own judgement and seeking his own advice. Neither WorldPay nor other persons shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profi ts arising in any way from the information contained in this communication. Copyright 2010 WorldPay US, Inc. All rights reserved. This communication is for the use of intended recipients only and the contents may not be reproduced, redistributed, or copied in whole or in part for any purpose without WorldPay s prior express consent WorldPay.com /10