RBS WorldPay Value Prop

1. Around the World, Around the Corner RBS WorldPay for Small Business

3. 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.

6. 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

7. 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.

9. 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.

10. 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.