Around the World, Around the CornerRBS WorldPay for Small Business

Make it happen

How we can benefit your business:

• Our ties to such strong financial institutions mean your business is in good hands.

• Maximize efficiency by having your processing needs come from a single, reliable source.

• We are here after the sale, so give us the opportunity to serve you.

• Protect cardholder data with the latest and most proven security technology.

• Make the most out of your payments program.

Make it happen

Our Mission

We deliver world-class service, exceptional value and secure, reliable electronic payment solutions, earning the privilege of serving our customers every day.

Around The World, Around The Corner

• 174,000 employees in 50 countries

• Processing payment 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

• Support for 127 currencies in more than 100 countries

• 1,500+ Citizens and Charter One bank branches provide full service, hometown banking

• More than 1,200 affiliate partners worldwide

• Card Awards 2008 Winner of the Best Technology Initiative of the Year

• Ranked fastest-growing, top-10 payment processor by the Nilson Report, March 2009

Technology

Maximize efficiency by having your processing needs served by a single, reliable source.

• RBS WorldPay differentiates itself by focusing on a single-source approach to serving our customers. As one of the early pioneers in transaction acquiring, we have become one of the nation’s largest and most-trusted processors.

• We control the entire processing cycle, including authorization, settlement, reporting and customer service. This truly integrated solution gives RBS WorldPay customers one-call support and allows us to control quality from start to finish.

• RBS WorldPay is one of the most reliable – and affordable – credit card processors in the industry. Our merchants have access to the most robust payment options available – including everything necessary to accept the nearly one billion credit cards now in the hands of American consumers.

Technology

RBS WorldPay provides access to all of the credit card associations, including Visa®, MasterCard®, Discover® and American Express®.

In addition to credit card processing, our services include:

• POS Terminals

• Debit Card Processing

• Electronic Benefits Transfer (EBT)

• Gift Cards

• Loyalty Cards

• Check Services

• Web Payments

• Recurring Payments

Technology

RBS WorldPay has built a nationwide payment infrastructure backed by fully redundant data centers that use precise load-sharing technology to maximize your protection against processing downtime. For the past 15 years, network availability has been 99.999%.

Recognized as an industry leader, RBS WorldPay has received multiple awards from Visa and MasterCard for transaction integrity, fewest duplicate transactions and lowest chargeback ratios.

World-Class Customer Care

We work hard everyday to earn your business. • At RBS WorldPay, Customer Care is a commitment, not a catch phrase.• When you have a question, you can rest assured our Customer Care representatives

will provide the answers you need in a timely and efficient manner.• Get back to business. 99+% of calls answered within 30 seconds.• Increase cash flow. With a Citizens or Charter One Business Checking Account,

funds are available as quickly as the next business day.• Manage chargebacks. Utilize our dedicated chargeback teams to act as

advocates on your behalf.

World-Class Customer Care

Increase Productivity. Take advantage of our convenient Web-based transaction reporting. Reports at your fingertips include:

• Monthly Processing

• Deposits

• Unmatched Returns

• Transactions

• Card Fees

Protect Your Business From Equipment Failure. Use RBS WorldPay’s optional equipment insurance and supplies program.

Customer Care. Our representatives go through months of specialized training before ever taking their first call. On-going training and monitoring help ensure RBS WorldPay maintains the most highly trained and professional Customer Care team in the industry.

Fraud Protection

RBS WorldPay has the latest and most-proven security technology to protect cardholder data.Fraud protection is a top priority for RBS WorldPay. We want your settled transactions to be safe and secure. That’s why we work to help ensure that your business is PCI DSS compliant.

PCI DSS (Payment Card Industry Data Security Standard) is a set of requirements developed by the leading card associations to assure that all merchants adopt consistent data security to protect customer account data. If a merchant is non-compliant, the merchant risks:

• Fines from Visa and MasterCard in excess of $500,000 per event

• Forensic audits averaging $10,000 each

• Costs related to chargebacks from using stolen information.

When you process with RBS WorldPay, you are working with an industry leader, one that has received multiple awards from Visa and MasterCard for transaction integrity, fewest duplicate transactions and lowest chargeback ratios.

Fraud Protection

Data Breach Services Program• Introduce your business to world-class protection. It’s important that you are vigilant in

protecting your customers’ information . . . not just at the point of sale, but everywhere.

• RBS WorldPay offers educational services and one-on-one assistance for PCI DSS compliance. We also provide a liability waiver up to a specified amount if you experience a data breach.

• The best defense is a strong defense and that’s what our program offers.

Local Presence

Make the most of your payments program.

RBS WorldPay’s 250+ local account executives - and our 22,000+ colleagues at more than 1,500+ Citizens and Charter One branches - are active members of the communities in which they live.

So what does that mean for you as an RBS WorldPay customer?

• In addition to 24/7 toll-free support, you also have a local account executive to assist you in growing your business.

• Our local representatives provide a detailed statement analysis to ensure your business is qualifying at the best rates of interchange.

• Your local account executive will work carefully to understand your business needs today - and tomorrow - to help design a payment program to help achieve your goals.