For Good Measure. Section 2 Payment Card

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1 Section 2 Payment Card Proprietary CITGO Payment Cards 12 Debit Cards, EBT and Broadband 13 Payment Card Industry/Data Security Standard (PCI DSS) 15 Loyalty Programs 16 For Good Measure Because plastic has long ago overtaken paper as the preferred method of payment, it is important that CITGO offer a host of payment card options to fit the needs and lifestyles of its customers. This year s payment card line-up features enhancements and tools guaranteed to keep your customers reaching for their CITGO Cards: The Business Select MasterCard provides the same benefits as the CITGO Business Select Card and can be used at ALL sites, including non-citgo locations! Our partnership with Heartland and SPRINT brings you a turnkey, competitively priced solution for your broadband needs. The CITGO PCI e-learning Center provides a single-source destination to help you with your PCI and information security training needs. Preferred vendor Centego can help you create a customized loyalty program perfect for your business model. 10 Section 2: Payment Card

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3 Proprietary CITGO Payment Cards All CITGO customers are important to the success of your business. However, those wielding CITGO proprietary payment cards are the most valuable of all. Research shows that proprietary gasoline cardholders are more likely to patronize a single brand than the average customer. CITGO Plus New Design Coming in 2011 Consolidation of gas charges Pay-at-the-pump convenience Flexible payment options Additional cards for family and friends at no extra cost Itemized monthly statements Your customers can apply by: Calling GO-CITGO Logging on to Completing an application available at all CITGO gas stations and mailing it in Now that the new Centennial Image is available and the CITGO logo has broken free of its box, we re updating our payment card suite to match. While some cards will receive a complete make-over, others will keep their current look, and feature only a refreshed CITGO logo. But, no matter how drastic or minimal the change the benefits of each card remain the same. Please continue to accept all card designs for all CITGO proprietary payment cards as a valid form of payment until they are phased out over the next year. Citi Platinum Select CITGO MasterCard Up to 4 percent rebates on CITGO charges and up to 1 percent rebates on other qualified purchases (up to a maximum of $50 in rebates each billing cycle) No annual fee Worldwide MasterCard acceptance Platinum card status Your customers can apply by: Calling MY-CITGO Logging on to Completing an application available at all CITGO gas stations and mailing it in CITGO Gift Card CITGO CELEBRITY Card New Design Coming in percent rebates on domestic airline tickets Credit card protection (all credit and debit cards) Access to online bill pay This premium niche consumer card features an active base of around 26,000 accounts and has an annual fee of $29. For complete information, have your customers contact Just like cash No dormancy fee No expiration date Rechargeable Balance check availability Customers are able to set the value of their card in whole dollar increments ranging from $5 to $300 at no cost to you or them. Just activate through the in-store Point of Sale (POS) terminal at the time of purchase, and they are ready to go. Credit Card Application Acrylic Holders CITGO refills these holders with new applications each time new Point of Purchase (POP) materials are installed. All that is required of you is to keep the holders filled in between POP campaigns. Remember, two holders are required per each dispenser. To order, contact your Region Marketing Programs Manager. 12 Section 2: Payment Card

4 CITGO Business, Business Select, Business Select MasterCard and In-Store Cards Fleet managers handling dozens of vehicles across state lines as well as local fleet managers with several vans or trucks are prime candidates for the CITGO Business card. The Business Select MasterCard provides the same benefits as the CITGO Business Select Card, and it can be used at ALL sites, including non-citgo locations! Competitive Rebate Incentive Your customers will continue to receive the competitive rebate of 5 cents-per-gallon when they use their CITGO Business/Business Select cards (excludes CITGO Business Select MasterCard) during the first three months the account is open. This rebate will appear as a credit on their second monthly statement. Tiered-Volume Rebate All CITGO Business Select and Business Select MasterCard cardholders are eligible for the tieredvolume rebate.* These cardholders represent 5 percent of our existing fleet accounts. The tiered structure is based on gallons purchased and places the program among the most competitive in the marketplace. Gallons Per Month 500 2, ,500 4, ,000 6, ,000 9, , Cents-Per-Gallon (CPG) *The tiered rebate applies only to purchases made at CITGO-branded locations. Marketing Blitz A sales team has been assembled to help grow the program, and a marketing brochure geared toward fleet customers is available. VIP Hotline Marketers and Retailers, but not consumers, may contact the CITGO/FleetCor Sales Manager using the information below to have an application fast-tracked through the credit approval process, receive help closing a sale or answer any fleet-related questions. HelpDesk CITGO VIP Hotline Fax: citgovip@fleetcor.com CITGO/FleetCor Sales Managers Central Region Richard Cyr (AR, IN, LA, MI, TX) richard.cyr@fleetcor.com Mark Kapturski (IL, WI) mark.kapturski@fleetcor.com Northeast Region Richard Cyr (CT, DE, MA, ME, NH, NJ, NY, PA, RI, VT, WV) richard.cyr@fleetcor.com Anthony Simmons (MD, VA) anthony.simmons@fleetcor.com Southern Region Denny Easterday (AL, FL, GA, MS, NC, SC, TN) denny.easterday@fleetcor.com Web Presence A page on enables customers to apply, pay their bill and access their account to manage fuel restrictions, set card limits and restrictions, cancel a card, etc. Customer Appreciation Utilizing statement messages and inserts, CITGO will thank existing customers for their business and contact inactive customers, encouraging them to visit their local CITGO station. Debit Cards, EBT and Broadband Debit cards are a force with which to be reckoned, rivaling cash and credit cards as today s payment method of choice. The following is a list of debit networks currently available to all participating CITGO retail locations: ACCEL AFFN Alaska Option CU24 Interlink Maestro If you re interested in enrolling any or all of your retail locations in the program, please contact the CITGO POS HelpDesk at , option 2. Electronic Benefits Transfer (EBT) EBT consi sts of two parts Cash Benefit and Food Stamps. CITGO currently offers Cash Benefit EBT through locations set up for debit processing via Citicorp EBT and Quest EBT. VeriFone Ruby and Sapphire system users can process electronic food stamp cards (EBT Food Stamps) in most states. These systems make processing food stamps much easier; they require less training and are less likely to result in fraud or chargebacks. Most important, they increase your sales potential by making it possible to meet the needs of an unconventional customer payment card group. Call , option 2, option 3 for more information. Certified POS Systems Pulse/Tyme Quest EBT NYCE Star Visa ReadyLink The 2011 CITGO Certified POS Systems include: Gilbarco Passport (dial, VSAT and Internet) Pinnacle Palm (dial, VSAT and Internet) VeriFone Ruby (dial, VSAT and Internet) VeriFone Ruby/Sapphire (dial, VSAT and Internet) VeriFone Topaz/Sapphire (dial, VSAT and Internet) VeriFone Vx570 stand-alone terminal FISCAL Section 2: Payment Card 13

5 Broadband Internet-Based Processing CITGO has partnered with Heartland and SPRINT to bring you a turnkey, competitively priced solution for your broadband needs. Heartland provides the encryption module through its SmartLink technology; SPRINT provides the connectivity piece of the solution, with its stateof-the-art 4G wireless product. Both product lines are fully PCI compliant. VeriFone Managed Service Program We have partnered with VeriFone to bring you a Managed Service Program, which will allow you the use of either a full Ruby/Sapphire system or a Sapphire upgrade for your Ruby at a low, fixed, monthly price. This solution provides full, on-site maintenance and the peace of mind that comes with knowing you are always running PCI-compliant software and that any POS issues will be handled by a professional service technician. VeriFone HelpDesk and Software Maintenance Program VeriFone now requires all users to subscribe to a HelpDesk and Software Maintenance program. But, CITGO was able to negotiate a price reduction for this service, and we re passing it on to you! You are not required to take advantage of this month-to-month program, but you must complete an opt out form if you don t wish to participate. Additionally, VeriFone no longer allows CITGO to make courtesy calls at the request of retail locations. 14 Section 2: Payment Card

6 To obtain additional information on whether or not these solutions can benefit your business, contact one of the CITGO POS Product Managers listed below. Donna Gordon , ext Fax: Jeff Maybray , ext Fax: Sherry Thompson , ext Fax: Payment Card Industry/Data Security Standard (PCI DSS) In 2006, VISA International, MasterCard Worldwide, American Express, Discover Financial Services and JCB jointly announced the formation of an independent council designed to manage the ongoing evolution of the Payment Card Industry (PCI) Data Security Standard (DSS), which focuses on improving payment account security throughout the transaction process. These standards globally govern all merchants and organizations that store, process and/or transmit cardholder data. Compliance with the PCI set of standards is mandatory, and is enforced by the major credit card brands that established the council. At this time, POS software must pass the PCI PA (Payment Card Industry Payment Application) standard and PIN Pads must be compliant with the Triple Data Encryption Standard (TDES) for debit card processing. Questions regarding POS programs and PCI-DSS POS compliance should be directed to Charlotte Loomiller at , ext 4718, or Questions regarding PCI-DSS should be directed to Rhonda Todd at , ext 5366, or CITGO PCI e-learning Center In an effort to help you secure sensitive data and comply with mandatory card brand rules, CITGO, in conjunction with ProPay, has developed the CITGO PCI e-learning Center. This site is a free resource intended to provide a single-source destination to help you with your PCI and information security training needs. Three courses and step-by-step user instructions are currently available: Basic Security Fraud Sales Associates Intermediate Security Fraud and PCI DSS Store Managers Section 2: Payment Card 15

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8 PCI Compliance Basics Store Managers Step-by-Step PCI e-learning Center User Instructions Store Managers and Sales Associates These courses have been designed by industry experts with significant training experience. They outline the requirements necessary to meet PCI compliance, measures that can be taken to prevent fraud at a location, the meaning behind the 12 PCI rules and much more. Courses are tracked and scored, with certificates of achievement given upon successful completion. Additionally, an array of reporting can be generated to show which courses have been completed and by whom. Contact your gasoline supplier to enroll. Loyalty Programs CITGO has a new partner for C-store loyalty. Centego, owned by Excentus, has acquired MetroSplash Systems Group. For the past several years MetroSplash has worked with CITGO to put together state-ofthe-art, technology-based loyalty programs. Now Centego, with the backing and resources of Excentus, the leader in loyalty products and services in our industry, will be working with CITGO to bring you the best fuel rewards-based loyalty programs available today. Fuel Rewards Frequently Asked Questions Why Fuel Rewards? Fuel rewards have proven very effective in motivating consumers. When a customer participates in your loyalty program, they no longer have to pay the price on the sign for their fuel. The price they pay for fuel depends on the level of their participation in your program, but you get paid the advertised price. Who pays for the discount? That depends. You can offer fuel rewards for the purchase of any item or service available in your store. Many vendors will offer funds toward fuel rewards for the promotion of their products. You can also convert other discounts and promotions currently offered to fuel rewards. Fountain, deli and services are usually good choices for fuel rewards due to their higher margins. You may also be a redemption center for fuel rewards issued by partner businesses such as grocery stores, auto dealerships, etc. In this case, the issuing partner funds the rewards. How do I get an Issuing Partner? In some cases, your C-store may be in the right location to redeem rewards for a grocery store, etc. In other cases, make your loyalty program the best that it can be by signing up lots of participants. Your success will likely draw the attention of other local businesses. Do I really need a loyalty program? Customers today are looking to save money on everything. An effective loyalty program allows you to help your customers save money, while promoting the goods and services you want to sell. Loyal customers visit more often and buy more of what they need from you. If you don t offer your customers a loyalty program, someone else probably will. Will my POS system work for a loyalty program? You will need a loyalty-enabled POS system. CITGO locations can participate if they are using a VeriFone Ruby with Sapphire, a Gilbarco Passport or a Fiscal POS system. You can participate on a limited basis with the VeriFone Vx570. CITGO is working with POS vendors to add this technology to additional POS systems. I don t have the time or expertise to run a loyalty program! Great news! We now have loyalty experts available to take care of all the hard work for you. They will help you get started, help you design your customer loyalty cards and POP, and even order them for you. They will recommend promotions and set them up in your POS system. They will even help you with the negotiations to get suppliers on board to help fund some of your rewards. For more information or to get started, contact Josh Griffith at Centego at , or jgriffith@centego.com. You can also visit the If you have questions, contact Dan Rickel, CITGO Marketing Technology Manager, at , or drickel@citgo.com. Section 2: Payment Card 17