WorldPay Grocery Specialists

2. 2
• Our clients have historically looked for:
– A company that specializes in supermarket, restaurants and
petroleum as a core competency
– Adept at working with Wholesalers, Distributors and Associations
– Industry Thought Leadership
– Company that supports Independents like Chains
– Extremely high reliability and systemic redundancy
– Proactive interchange and chargeback management and monitoring
– Robust and flexible reporting capabilities
– A single-source provider
– A professional conversion
– Real-time fraud prevention
• What are your needs?
Meeting Our Clients’ Needs

3. Who is WorldPay?
US ranking data from The Nilson Report # 922 – March 2009
Global ranking data from The Nilson Report # 928 – June 2009
• WorldPay specializes in grocery as a core competency
• The fastest growing grocery acquirer in the US, processing for
more than 30 of the top 100 grocers
• The endorsed provider for Topco, C&S Wholesale, and expanding
group of industry partners
• The fastest growing top ten US acquirer, with 79% transaction growth year over year, and the third largest global acquirer
• 4th
largest processor in the world
• Processor for more than 154,000 clients which transacted more than $100B in volume in 2010
• Conversion Specialists - over $30 billion in U.S. national business was seamlessly implemented in each of the last two years
• Best positioned advocate in the industry via direct membership and board seats
• A 100% independent processor acquirer - a real alternative in the National marketplace
• Best-in-class customer service provider - with an industry-focused, Atlanta-based call center
• Value added partner, focused on total payment solutions to reduce overall costs
• A net acquirer - we are aligned with our merchant base as a payer of interchange, not a beneficiary

4. Our Commitment ---
Support Independent Operators like National Chains
RetailGrocery /Drug Store Restaurant Petroleum/C-StoreCard Not Present

5. Advantages of a Single-Source Provider
• Single Provider Efficiencies
• One Relationship/One Contract
• Single contact for end-to-end enhancements
• Responsive and accountable
• Faster Access to Cash
• In-Sourced Customer Support
• Redundant Support Centers
• Native English Speakers w/ Multilingual Support
• Best-in-Class Service Record
• Expertise across all Processing needs
• Risk
• Settlement
• Chargebacks
• Industry Advocacy
• A Single-Source, Vertically Integrated Provider

6. Company-Owned, Tier 1 Platform
Own and Manage Our Platform
• 100% of development in the United States
• Fast and reliable payment processing
99.999% Service Level in 2010
Stable, Scalable Infrastructure
• Best-in-Class Stratus Technology
• Stratus V-Series model V-400
• Organic growth versus acquired legacy systems
• Operating at 25% of capacity
Reliable Architecture
• Direct connection to all U.S. credit and debit networks
• Support for full range of communication options
• Redundant data centers in Atlanta and Philadelphia
• Alternate routed communication facilities
• Back-up generators
• 24x7 on-site Network Control Center
• PCI v 1.2 and SAS70 Compliant
Company-Owned, Tier 1 Platform –
Service Levels

7. Payment Options
WorldPay provides processing for leading
payment types.
• Visa®
• MasterCard®
• American Express®
• Discover®
• PIN-Secured Debit
• Mall Cards - Blackhawk
• Fleet Cards
• FSA – we’re a SIGIS founding member
• EBT
• WIC EBT (finalizing development, live in
Q1)
• ACH Cards
• Check Processing - ECC
• ATM
• Verishield Protect (VSP) –
• End to End Encryption

8. Best-in-Class Customer Service
Account
Management
Grocer
Daily
Operations
Help Desk
Systems
Management
• Proactive cost containment analysis
• Proactive downgrade and
communication analysis
• Proactive fraud monitoring
• Dedicated Account Mgr.
• Operational Expertise
• Client Satisfaction
Focused
• Atlanta RBS WorldPay
Resources
• Level 2 Desk Trained
on All Certified POS
Platforms
• Interchange Management
• Fraud Prevention
• Least-Cost Routing
• Chargeback Management
• Best-in-Class Online Reporting
• Executive Client Managers
• ECM to customer ratio 10:1
• Forward looking industry professionals
• Champion client and industry needs
• Proactively monitor costs and fraud
•Account Managers
• Dedicated to your account
• Contact for all daily operational
needs
• Understand industry and pressure
points
• Help Desk
• Industry leading service levels
• Committed to one-call resolution
Vertically Integrated – From strategic to operational, RBS has the right
people in the right roles to serve your business

9. VeriShield Protect (VSP): Value Proposition
1. Delivers true end-to-end encryption to the merchant.
-Takes merchant out of the data security business
-RBS housing of the de-encryption unit means the merchants entire infrastructure will
only have encrypted PANS
- Superior security investment ROI
2. Delivers encryption in a way that is transparent to the merchant’s receiving
systems.
-Rapid deployment, low disruption
-No POS system impact
3. Based on results of two recent retailers, having VSP has taken multiple items out of
PCI scope, thereby significantly reducing QSA fees
4. Monitors all systems in real time at the device level (CDMS).
-Far superior to audit based approach
-Definitive, real time security assurance
-Required for proof of de-scoping

10. In-store LAN WAN
In-Store
Controller
Retailer
EFT Host
Switch
RBS
WorldPay
Merc
hant
CDMS™VeriShield®
Protect
WorldPay
Decryption
Appliance
Redundant CDMS Servers in
San Diego & Phoenix monitors
device status and supports
key management
Semtek encryption
module in VeriFone O.S.
DA
decrypts
transacti
ons &
applies
device
data keys
Semtek Technology
Status
Messages
10
Phase 2
VSP Implementation

11. 11
Supermarket News – July 2011