Citi ® Commercial Cards B2B Cards in eProcurement October 2012 P U R C H A S I N G

Citi Commercial Cards: Targeting eProcurement Spend Clients can leverage their eProcurement processes to make accelerated card payments to suppliers—usually via the Purchase Order (PO) —potentially avoiding the invoicing process Post-Invoice Spend eProcurement Non-PO Spend 2 Evolving B2B Card Use Benefits Grow card program without issuing additional plastic P-Cards to employees Leverage eProcurement systems’ data and controls –Pre-transaction allocation –Increased policy compliance –Drive greater return on investment for eProcurement system Reduced Procure-to-Pay cycle time –Decreased paper and invoice processing –Pay on order or shipment/fulfillment –Improved supplier relations Citi B2B Card Payment Options Ghost Cards (“Lodged” with supplier) Virtual Card Accounts

Citi B2B Card Payment Options for eProcurement Spend Single-use virtual card number for each payment Set exact amount controls and capture data to minimize exceptions and simplify reconciliation Virtual Card AccountsGhost Cards “Plastic-less” card accounts for frequently used, strategic or preferred suppliers Stored by the supplier or by the buyer Consolidate spend by supplier to ease reconciliation and coding 3 Citi’s B2B card products create opportunities to grow your card program by pairing your investment in eProcurement with the controls, data, and financial benefits of card payments Automate Reconciliation Process Record order number with virtual card number to facilitate automated reconciliation Transaction-level Controls Number of uses, transaction amount, validity period, MCCs and suppliers—minimized exceptions Seamless Integration Using API Deploy a scalable, automated, integrated solution Improve Reconciliation Process ● Compare PO data to payment data and confirm transaction amounts are within acceptable tolerance. ● Opportunity to leverage level 2-3 enhanced supplier data to capture order number & separate spend by ghost card Easy to set up, use, and administer Description Advantages

Sample eProcurement Flow with VCA Client User eProcurement System Citi VCA Supplier Citi GDR 1. Place catalog order 2. Create virtual card number, set controls; capture custom data fields 3. Attach VCN to PO 5A.Transaction Data 5B. Custom Data Fields 4. Send order & payment details; process VCA payment 6B. File delivery: all VCA card transactions 6A. Report of all placed orders and order #s Reconciliation System Example client eProcurement flow, where a VCN is “stamped” on to a Purchase Order 4 Clients can integrate VCA into their eProcurement system to create a virtual card number for each order with the requisite controls & custom data needed for a scalable, automated, real-time solution