2020 Street Smarts GO SUCCEED - CITGO MarketNet

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2020 Street Smarts GO SUCCEED - CITGO MarketNet
20
Street Smarts

     Your CITGO Brand
     and Marketing
                  rand
                 g Guide.
     GO        ED.
          SUCCEED.

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2020 Street Smarts GO SUCCEED - CITGO MarketNet
Table of Contents
   Section 1:                                                                                                      Section 3:
   Branding and Marketing Programs                                                                                 Advertising and Promotions

   CITGO Brand Image ................................................................................ 3            Key Messages .......................................................................................      37
   Marketing Focus ..................................................................................... 4         Reaching Consumers ............................................................................           38
                       ®
       Club CITGO Mobile App                                                                                       Fueling Good .........................................................................................    39
       TriCLEAN Gasoline
                      ®
                                                                                                                      Spirit Pump
       Fuel Discount Network                                                                                          Muscular Dystrophy Association (MDA)
   Dispensers ............................................................................................. 9         Bess the Book Bus
   Trimark of Excellence Mystery Shop Program ...................................... 10                            Loyalty Promotions ................................................................................       42
   Education .............................................................................................. 12        Club CITGO
       CITGO Sales Advantage                                                                                          Fuel Discount Network
       CITGO Retailing Institute                                                                                      CITGO Rewards Card
       Ready Training Online                                                                                          CITGO Debit Plus Card
   Business Milestone Kits ....................................................................... 14              Local Events ..........................................................................................   44
   Fuel Island and Curb Restoration .......................................................... 15                     Customer Appreciation
   Lighting ................................................................................................. 16      Grand Opening
   Disability Fueling Assistance ................................................................. 18              Public Relations (PR) ..............................................................................      45
                                       ®
   The CITGO AMERISTORE .................................................................... 19

                                                                                                                   Section 4:
   Section 2:                                                                                                      Retail Operations
   Payment Cards
                                                                                                                   MyCITGOstore.com .............................................................................. 47
   Minimum Point-of-Sale (POS) Standards ...............................................                    21     Retail Location Webpages ..................................................................... 48
   Europay MasterCard® and Visa® (EMV)...................................................                   22     The C-Store Lab .................................................................................... 48
   Payment Card Industry (PCI)/Data Security Standard (DSS) .....................                           24     Equipment Financing .............................................................................. 49
   Proprietary Payment Cards ...................................................................            26     Store Supplies ....................................................................................... 50
       CITGO Rewards® Card                                                                                         Uniforms and Name Tags ...................................................................... 51
       CITGO Fleet Cards                                                                                           Cups and Bags ...................................................................................... 52
       CITGO Debit Plus Card                                                                                       CITGO Buying Group ............................................................................. 52
       CITGO Gift Card                                                                                             Vendor Contacts .................................................................................... 53
   Debit Cards and EBT .............................................................................        31
   Fraud, Chargebacks and Data Breaches ................................................                    32
       Island Card Reader (ICR) Fraud Program
       ZIP Code Verification Program
       Anti-Skimming Program
       Best Practices to Prevent Skimming and Data Breaches
   POS Solutions .......................................................................................    35
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2020 Street Smarts GO SUCCEED - CITGO MarketNet
1
Branding and
Marketing Programs

We’re dedicated to solving
your operational and retail
challenges. From the curb
                   ®
appeal of our CITGO brand
image and TOP TIER™
        ®
TriCLEAN gasoline to our
unique educational programs
and solutions-focused
customer support, we’re
fueled up and ready to
help you grow!

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2020 Street Smarts GO SUCCEED - CITGO MarketNet
CITGO Brand Image
Our brand image is one of the primary reasons that Retailers choose to fly the CITGO flag. Not only is it
one of the industry’s most attractive station images, but it is also reasonably priced and easy to install.
                                                                                                        Trimark    Blue
                                                                          Eyebrow Lighting                                  Triform
                                                                                                                  Channel
                                                                Triform                                           Letters

     Benefits
     Locations that have
     converted to the
     CITGO brand image
     have reported volume
     increases of up to 30%.

                                White
                               Channel
                               Letters

                              LED
                           Price Sign

                                  For More Information              Cost
                                                                    Materials are paid for by CITGO and amortized  d                   Pump
                                                                                                                                       P
                                  VContact your CITGO                                                                              Va
                                                                                                                                      Valance
                                                                                                                                       a
                                      gasoline supplier             over 60 months. Estimated costs vary
                                  VSignResource                  significantly by location due to local labor and
                                                                                                                   d
                                      Identity Group                other factors. Installation costs range from
                                                                    $5,000 to $20,000, excluding the price sign.                        Riser
                                      Jessica Ogle
                                      865-282-8953
                                      citgo@signresource.com
                                                                    Requirements
                                                                                                                                       Pump
                                                                                                                                       P
                                      www.signresource.com          CITGO-certified installers should be used                          Skirt
                                  VVisit myCITGOstore.com       for surveying, branding and/or reimaging
                                       >>Brand Image                retail locations.
                                                                                                                                                3
2020 Street Smarts GO SUCCEED - CITGO MarketNet
Marketing Focus
Providing quality gasoline for your customers and giving them a reason to return to your location are
                                                                                                                                                             ®
important to your success, which is why many of our marketing efforts focus on our TriCLEAN gasoline
                                                                              ®
and building loyalty through our Club CITGO app.

Club CITGO Mobile App
If an easy-to-implement loyalty and rewards program is what you’re looking for to build a dependable
customer base and increase profit margins, look no further than the Club CITGO mobile app.
As a Club CITGO Premium location, you get our full support, including training, a dedicated call center
and fully funded deals and rewards. Your customers get every-day savings on top-quality fuel and
popular product brands right in the palm of their hands.
To elevate your offering further, you can incorporate your own deals/rewards specific to your                               Loyalty “Counts”
location or work with Outsite Networks to build a fully integrated loyalty solution.                                  Let’s break down the benefits of
                                                                                                                    being a Club CITGO Premium location
          Unlock the Potential                                                                                                 by the numbers.
          While all locations are activated for Club CITGO during sweepstakes, there
          are select every-day benefits available only to Club CITGO Premium locations.
                                                                                                                                                          +30%

                                                                                                            +400%
          Benefits                                                  Club CITGO       Club CITGO                              Increase in                          Increase in number
                                                                     Premium                                             offer redemptions                           of consumers
                                                                                                                         received via email                      downloading the app
          Fully Funded Fuel Discounts & Promotions                           
          Fully Funded Retail Offers to Drive C-Store Traffic                
                                                                                                                                                                     $50
                                                                             
                                                                                                                 70%
          POP to Promote In-App Offers & National Promotions

          Exclusive Offers Customized by Retail Location                     
          Long-Term Customer Loyalty                                                                     Cons
                                                                                                          Consumer   redemption rate                          Average monthly claim
          Email Campaigns                                                            Sweeps Only          on fuel rewards earned
                                                                                                           o                                                       per location

          Social Media Campaigns (e.g., Facebook, Instagram)                   Sweeps Only                    Data is year-to-date as of August 2018 and reflects CITGO-
                                                                                                                      funded TriCLEAN gasoline coupons/rewards as well as
          Sweepstakes (e.g., Win Gas for a Year, Ultimate Road Trip, etc.)                                          manufacturer-funded and location-specific offers.

          Mobile Payment      Coming Soon!                                               
                                                                                                                                                                                       4
2020 Street Smarts GO SUCCEED - CITGO MarketNet
Become a Club CITGO Premium Location
                                                                For More Information
To sign up in less than 10 minutes and enjoy all the benefits
of Club CITGO—for free!—just visit the Club CITGO tab on        V Contact your gasoline supplier
myCITGOstore.com and follow the six easy steps to “Sign         V Visit myCITGOstore.com>>Club CITGO
Up and Launch.” There is no additional cost to become a Club
                                                                V Club CITGO Customer Service Center
CITGO Premium location — just extra revenue!                      888-2-GO-CLUB (1-888-246-2582)
                                                                  clubcitgo@citgo.com
                                                                V Outsite Networks
                                                                  Jack Piet
                                                                  412-401-1099
                                                                  jpiet@outsitenetworks.com
                                                                  www.outsitenetworks.com

See section 3, page 42,
to learn more about our
Club CITGO promotions.

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2020 Street Smarts GO SUCCEED - CITGO MarketNet
®
TriCLEAN Gasoline
Our TriCLEAN gasoline is an enhanced, custom-blended fuel designed to help
keep fuel injectors and intake valves clean while minimizing emissions. Research
shows quality fuels resonate with consumers, and they have the assurance of
knowing all three grades of CITGO TriCLEAN gasoline are TOP TIER™.

                                         Consumer Appeal
                                Quality of fuel is important to
                                consumers, and they believe that’s
                                what our TOP TIER TriCLEAN gasoline
                     nearly 8% more likely delivers in all
                                                      three grades.
                          to choose CITGO In fact, research
                                shows consumers are nearly 8%
                                more likely to choose CITGO fuel due
                                to its cleaning properties.*

                                         About TOP TIER
                                         TOP TIER is the premier standard for
                                         gasoline performance set by eight of the                                         See section 3, page 38,
                                         world’s top automakers. It surpasses                  For More Information       to learn how we’re sharing
                                         the existing standards set by the EPA.                                           our quality gas message
                                                                                               V Contact your CITGO
                                                                                                                          with consumers.
                                                                                                 gasoline supplier
                                                                                               V Visit myCITGOstore.com
                                                                                               V Visit toptiergas.com

                                         *Source: The NPD Group/Motor Fuels Index;
                                         12 Months (Aug ‘17 - Jul ‘18 vs. Aug ‘12 - Jul ‘13)
                                         Total CITGO Marketing Area

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2020 Street Smarts GO SUCCEED - CITGO MarketNet
TriCLEAN Marketing Elements
At CITGO, we not only pride ourselves on having one of the industry’s most attractive
station designs, but our dispenser branding features our TOP TIER TriCLEAN gasoline.
The updated design is currently available to all new-to-CITGO locations and current locations
looking to refresh their image.

Updated Product ID panels.
                                                                   V Pump skirt design with pre-printed TriCLEAN
                                                                                                            LEAN
                                                                     elements and CITGO wordmark
                                                                   V Reflective materials—brushed aluminum     m on
                                                                     valance, stainless steel risers, satin aluminum
                                                                                                               minum
                                                                     vinyl on doors

              TriCLEAN sign
              panel available
              for standard sign                                                     Both TriCLEAN and TOP TIER
              systems and as                                                        decals appear on valance front
              a replacement to
              the Rewards®
              Card panel

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2020 Street Smarts GO SUCCEED - CITGO MarketNet
Fuel Discount Network
New    CITGO has joined the Fuel Discount Network, a select loyalty solution that connects
for    financial institution reward programs to your locations and enables real-time redemptions
2019   when your consumers purchase fuel. And the best part? It’s free for CITGO-branded
       locations with Verifone® POS systems!

                        How Does It Work?                                                Benefits
                        When a consumer swipes a participating debit/credit              Participating in this program could lower interchange
                        card, they are prompted with a fuel redemption offer.            costs and bring incremental transactions to your locations.
                        (e.g., redeem 2,000 points to save 50¢ per gallon, up            Instant gratification of real-time redemption at the pump:
                        to 20 gallons). The discount is paid by a participating          V Drives consumers to your locations
                        financial institution and the consumer receives an
                                                                                         V Improves consumer engagement
                        automatic roll-back at the pump. You receive the
                        discounted amount in a settlement and do not pay                 V Increases spending power
                        fees on this portion.                                            V Increases brand awareness

           For More Information
           or to Participate
           V Contact your CITGO
             gasoline supplier
           V Verifone Help Desk
             (determine current
             operating software)
             888-889-7829

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2020 Street Smarts GO SUCCEED - CITGO MarketNet
Dispensers
Don’t forget to continue your outdoor EMV migration path to meet customer expectations and
mitigate fraud at the pump. Just like your POS hardware and software upgrades in-store, making
these upgrades at the pump is a win/win.

                                               We’ve negotiated with some of the        For More Information
                                               best vendors in the industry to offer    V Wayne Fueling Systems, LLC
                                               you a variety of fueling dispensers at     Steve Van Vlack
                                               special prices to meet your specific       512-238-3657
                                               business needs.                            steve.vanvlack@doverfs.com
                                                                                          www.wayne.com
                                                Special Pricing Available
                                                                                        V Gilbarco Veeder-Root
                                                V Various offers throughout the year      Don Murashima
                                                  available on myCITGOstore.com           949-246-4809
                                                V All orders must be placed through       don.murashima@gilbarco.com
                                                  an authorized distributor               www.gilbarco.com
                                                                                        V Bennett Pump Company
                                                V All dispensers must feature
                                                                                          James Collier
                                                  CITGO branding
                                                                                          602-315-1242
                                                                                          jcollier@bennettpump.com
                                                EMV Acceptance
                                                                                          www.bennettpump.com
                                                For information on EMV acceptance at
                                                the pump, see section 2, pages 22-23.

                                                                                                                     9
Trimark of Excellence Mystery Shop Program
The Trimark of Excellence Mystery Shop Program is uniquely designed to protect the integrity of the
CITGO brand and reward you for your day-to-day-efforts to maintain it. It creates consistency across
the brand and allows for tracking accomplishments as well as areas of improvement, both in the store
               p
and at the pump.

                                                                                                                                                                                                                                     ed
                                                                                                                                                                                                                              Complet
                                 llence
                         of Exce
                  Trimark Shop Checklist
                                                                                                                                                                                                                                        g?
                                                                                                                                                                                                                      overflowin                         T
                                                                                                                                                                                                        and not
                                                                                                                                                                                        le, clean
                  Mystery                                                                                      Complet
                                                                                                                      ed
                                                                                                                                                          h contain
                                                                                                                                                                       ers availab
                                                                                                                                                                                    lable at each
                                                                                                                                                                                                       island (1
                                                                                                                                                                                                                      Point)
                                                                                                                                                                                                                       (1 Point)
                                                                                                                                                                                                                                                         T
                                                                                                                                            9. Are tras              rs are avai                                                                          T
                                                                                                                                                        h containe                                   maintained
                                                                                                            clea   n and in                     •  Tras                       clea   n and well
                                             nce                                                    ting                                                              rs are                                      t)
                               Experie                                            ls and ligh                                                              containe                               ing (1 Poin
                   Fueling                                    ing   numera                                                           T           • Trash                  are  not    overflow
                                               sign, pric                                                         (2 Points)                                           rs                                                   ly and
                                 main ID                                                                                                                    containe                                        ing proper
                                                                                                    or fading                         T           • Trash
                    1. Are the dition?                                             out   crac   ks                                                                                           func    tion                                                   T
                       good con                                     ition with                                                                                                  readers
                                              is in good cond                           age    (1 Point)                               T                  all isla nd card                                                of  serv  ice
                                   ID sign                                       sign                                                           10. Are                         s?                           er is   out
                        • Main                    free of una
                                                                  uthorized                     ition; LED
                                                                                                              s                                                ing receipt                     card read                                                       T
                                                                            in good cond                                                             dispens                     (1) island
                                    ID sign is                                                                                                                   e than one
                         • Main                            ch and are                                                                    T
                                        num  erals mat                                                                                               • No mor shop (2 Points)                                   rs (1 Poin
                                                                                                                                                                                                                             t)
                                  ing                      Poin  t)                               t)                                                     at time  of                              cons   ume
                          • Pric             visible (1                                                                                                                                       to
                                                                              order (1 Poin                                                                                    available
                              are clearly                    in working                                                 condition                                  paper is                                                       bs in
                                           is clean and                                                    in good                                     • Receipt                                                      ding cur
                                                                                          the board                                                                                                  s and buil                                                   T
                           • Lighting                                           rd,  is                                                                                           nds  , bollard
                                                                   der boa                                                                  T                            e isla
                                                   has a rea                                                                                             Are gasolin                                            d repair with
                          2. If the
                                      location             sage?                                                                              T 11. good condition?                              are in goo t)                                                      T
                                             rent mes                                                                                                                                bollards                 Poin
                              with a cur              er board                                                                           t) T             • Islan
                                                                                                                                                                  d forms and tches or rust (1                                 (1 Point)                            T
                                         if no read                                   (1 Point)                        otion (1 Poin                                     paint scra                              damaged
                               • N/A                      in  goo   d condition                   a  curr  ent prom                                           minimal                   ing  areas is not                        t)
                                               board   is                                to  be                                                                                    park                          tion (1   Poin
                                • Reader                                   appears                                                      r?                          ing in the                      specifica
                                                             er board                                                 essive litte                         • Curb                     ch image                                                 GO POP
                                                                                                                                                                                                                                                          ?
                                           sage on read                                                   and exc                                T                     colors mat                                                rent CIT                             T
                                 • Mes                                               or damage                                                              • Paint                                                 with cur
                                                                          of   maj                                                                T                                              ges    in   use                         curr ent
                                              paved are
                                                              as free                             (2 Points)                                                               p toppers/
                                                                                                                                                                                           flan
                                                                                                                                                                                                                   coverage
                                                                                                                                                                                                                                with
                               3. Are all                                       or damage                    ent (2 Poin
                                                                                                                           ts)                                                                                                                                         T
                                                               free of maj                    litter pres                                                 12. Are pum                        at least 50%
                                              d areas are                    excessive                                                                                    toppers havets)                                          damaged
                                   • Pave                      not have                                                               r?                      • Pump               (2 Poin                             frame is
                                               d areas do                                                            free of litte                  T             CITGO POP                              p topper
                                    • Pave                                                              ned and                                                                         one (1) pum
                                                                                 wel    l maintai                        ts)                                                 e  than
                                                               ped are
                                                                            as
                                                                                                    ntained (2
                                                                                                                    Poin                             T          • No mor                     t)                                                      enser,
                                             all  landsca                              well mai                         ent   (2 Points)                           or   miss ing (1 Poin                                          sen     t at disp         dit
                                   4.  Are                                    s are                             r pres                                                                                                  ers   pre                       cre
                                                                   sy area                        ssive litte                                                                                           tion hold appropriate CIT
                                                                                                                                                                                                                                                   GO
                                       • Shru
                                                  bs and gras                      have exce                                                                                                applica
                                                                     s do not                                                                                                 dit card                   ked wit
                                                                                                                                                                                                                       h                                                   T
                                                   scaped area                                                                                         T 13. Are cred repair and stoc
                                        • Land                                                   condition?                                                        in goo sages?                                             stocked with
                                                                                   in good                      rience (2
                                                                                                                             Points)                    T
                                                                 clean and                                                                                          card mes                                holders aret)                                                   T
                                                   canopy                                    n brand expe                                                                                      lication                                                      (1 Point)
                                       5. Is the                           ents a clea                               t (1 Point)                   t) T                        it card app messages (1 Poin                                       damaged                    T
                                                    opy   image pres                         and   peeling pain                dam   age (1 Poin                      • Cred
                                                                                                                                                                                O-ap   prov  ed                           fade  d or water
                                           •   Can                        free of     rust                           ceab  le                                             CITG                                 are   not                            er is
                                                           poles are                                     imal noti                                                                               lications                       lication hold
                                            • Canopy                                        with min                                                                              it card app                         card app
                                                                            condition                                                       opy                         • Cred                         (1) credit
                                                            is in good                                                     on the can                                                    than one (1 Point)                                                            t, pro-
                                             • Canopy                                                  tion ing lights                                                   • No more                    ing                                                       cur ren
                                                                                              func                                                          T                              or miss                                                 building
                                                                              l lit with                                                                                    damaged                                               court and ds?
                                                        loca    tion wel ?                                                                                   T                                                        lot, fore                 dar                            T
                                           6. Is the ding exterior                                          ight hours                                                                                           on
                                                                                                                                                                                                  signage with image stan
                                                and buil                                   during dayl                                                                               outdoor                     nt                                  Point)                    T
                                                                         completed                                  e than                                            14. Is the l and complia                                            otions (1
                                                           if survey                               with no mor                                                T            fessiona                                        ent prom
                                                 • N/A                           functioning                                                                                                             reflects curr                            (1 Point)
                                                                 lighting is Points)                                                                                                   oor signage                              guidelines
                                                  • Canopy              s out (2                              no   more than                                                • Outd                         mee    ts images
                                                                 light                                  with                                                                            oor sign    age                                                    ned   ?
                                                      two (2)                       functioning
                                                                                                                                                               T
                                                                                                                                                                             • Outd                                                            l maintai                         T
                                                             ding    lighting is Point)                                        Poin  t)                                                                                clea  n and wel                                           T
                                                   • Buil                ts out (1                              ntained (1                                                                              exterior
                                                        two (2) ligh                               well mai
                                                                                                                                                                          15. Is the
                                                                                                                                                                                         building
                                                                                                                                                                                                                 clean (1 Poin
                                                                                                                                                                                                                                    t)
                                                                                  res appear                                              maintaine
                                                                                                                                                        d
                                                                                                                                                                                                 exterior is                                   t)                                 T
                                                                    ting fixtu                                             an, well                                                                                               n (1 Poin
                                                     • All ligh                                                                                                                 • Building                         es are clea
                                                                                                          ensers cle                                              T                               s and fram                                      Point)
                                                                                           ling disp                                                                              • Window
                                                                                                                                                                                                                                     faded (1
                                                              all   gas   oline fue                                              clea   n  with                                                           t is not    peeling or
                                                    7. Are                                er?                        nces are                                                                      pain                                                           ?
                                                                         rking ord                    rs and vala                                                                  • Building                                                          ntained                     T
                                                        and in wo                             ense                                                                  T
                                                                                                                                                                                                                               n and      well mai               e
                                                                                       disp                                                          ts)
                                                                        e fueling Points)                                                ce (2 Poin                   T                                      r area clea                    d-up of dirt/
                                                                                                                                                                                                                                                           grim
                                                         • Gasolin                                                       d experien                                                           dumpste
                                                                           residue (2                    a clean bran                                                         16. Is the                                      have buil                                             T
                                                              minimal                                                                      r at                                                                  does not              t)
                                                                                     ge presents                            out of orde                                                         pster area             ing (1 Poin                            t)
                                                                      enser ima                                r hose is                                                              • Dum              overflow                              trash (1 Poin
                                                           • Disp                            (1) dispense                                                                                 and is not                            ing with
                                                                No    mor  e than one ts)                                                                                                               r  is not    overflow
                                                            •                        (2 Poin                                                                                           • Dum
                                                                                                                                                                                                  pste
                                                                 time of shop                                                            aning
                                                                                                                    and   fresh cle
                                                                                                              els                                                         T
                                                                                            paper tow
                                                                             eegees,                                               l maintai
                                                                                                                                                ned
                                                           8. Are squ available?                                      e and wel
                                                               solution                               are availabl                                                   t) T
                                                                                  eld caddies t)                                                     umer (1 Poin
                                                                 • Windshi                d (1 Poin                                     to the cons                         T
                                                                      at each islan                                      available
                                                                                                          towels are                         (1 Point)
                                                                             eeg   ees    and paper                     cadd   y is fresh
                                                                   • Squ                                           eld
                                                                                                     in windshi
                                                                                       solution
                                                                  •     Cleaning

  Mystery Shop Frequency
  Quarterly shops are conducted
  by Alta360.

  Shop 1      Jan. 1 - March 31
                                                                                                                                                                                  Grading System                                                                                        Questionnaire
  Shop 2      April 1 - June 30
                                                                                                                                                                                  The grading system pinpoints your performance based on a                                              The questionnaire emphasizes
  Shop 3      July 1 - Sept. 30                                                                                                                                                   possible score of 100% plus up to 2 bonus points, with all                                            consistency and is divided into three
  Shop 4      Oct. 1 - Dec. 31                                                                                                                                                    questions allowing for partial credit. A pass/fail score will be                                      sections that encompass the overall
                                                                                                                                                                                  given on select brand image questions. Locations that score                                           retail experience of your customers—
                                                                                                                                                                                  97% or higher on any given shop will receive a reward.                                                fueling excellence, shopping excellence
                                                                                                                                                                                  Locations scoring 80% or lower on any given shop are                                                  and customer service excellence.
                                                                                                                                                                                  considered failing and penalties will be applied.

                                                                                                                                                                                                                                                                                                                                  10
Results                                                                                      Image Solution Program (ISP)
If you’ve registered your location on myCITGOstore.com, you will receive your                The ISP allows you to earn points back when you take action to
results via email within seven to 10 days of each mystery shop, allowing you to              fix branding issues. It works via an “Action Feedback” section on
review scores/results sooner and take necessary action, if needed. You can also              your quarterly mystery shop report. ISPs must be submitted within
contact your CITGO gasoline supplier for your quarterly results.                             30 days from the shop or 10 days after the end of the quarter,
                                                                                             whichever comes first.
Quarterly Rewards                             Annual Rewards
If your location scores 97% or higher         If you are among the top 500 retail            Request for Action (RFA)
on a quarterly shop, you will receive the     locations for the year, you will receive the   You have the ability to submit an RFA if you feel a scoring error
following from your gasoline supplier:        following from your gasoline supplier:         was made on your mystery shop. RFAs must be submitted within
V   $150 in CITGO Gift Cards                  V   $500 in Visa® gift cards                   30 days from the shop or 10 days after the end of the quarter,
V   Letter of commendation                    V   Recognition plaque                         whichever comes first.
V   Performance certificate to display        V   Letter of commendation                           For complete details on submitting an ISP or RFA, visit the
    in the store                                                                                   Trimark of Excellence Tab on myCITGOstore.com and select
                                                                                                   “About” at the top of the page.

Penalties                                                                                           Tips & Tricks
Your gasoline supplier will receive the following                                                   Helpful tips and tricks automatically populate under
penalties for each location scoring less than 80%                                                   select questions on your quarterly mystery shop reports.
on consecutive shops. They will decide whether                                                      They provide you with solutions to fix existing issues in
 or not to pass them on to you.                                                                     order to avoid penalties on future shops, but do not offer
                                                                                                     points back.
1st failure                     Warning letter
2nd consecutive failure         $250 charge
3rd consecutive failure         $500 charge and subject to debrand
4th consecutive failure         $1,000 charge and subject to debrand                                                           For More Information
5 or more failures              $2,500 charge and subject to debrand                                                           V Contact your CITGO
                                                                                                                                 gasoline supplier
                                                                                                                               V Visit myCITGOstore.com
                                                                                                                                 >>Trimark of Excellence

                                                                                                                                                                 11
Education
Because we understand your business, we provide educational opportunities
based on industry best practices to help you deal with operational and
marketing issues.

            We are proud to be one of the only gasoline brands
            that offer a full training suite, including:
            V CITGO Sales Advantage – Exclusive sales training in
                                                     ®
              conjunction with Dale Carnegie Training dedicated
              to overcoming the sales challenges
            V CITGO Retailing Institute – State-of-the art
              educational program focusing on industry best
              practices
            V Ready Online Training – Online training opportunities
              centered around CITGO brand programs

            CITGO Sales Advantage
            This exclusive training program—in partnership
            with Dale Carnegie Training—was created to coach
            salespeople on how to have the greatest impact on
            improving sales behaviors through sharing specific
            account management strategies and tactics.

            Seminars
            The program includes two, one-day courses:
            • Course 1 – Learn and practice how to build rapport,     For More Information
              generate interest, provide solutions, respond to        V Contact your CITGO
              objections and plan for success.                          gasoline supplier
            • Course 2 - Learn and practice the sales process,
              modify sales style, influence attitudes, customize
              presentations and motivate people to commit in
              order to close the sale.
                                                                                             12
CITGO Retailing Institute
With a gas station on nearly every corner, competition is fierce and margins are
tight. That’s why we brought together successful C-store operators to give you
direct access to practical, business-building solutions through our Retailing Institute.

Seminars
Flexible, one-day seminars help you find solutions and opportunities to improve            Ready Training Online (RTO)
profitability while gaining practical tools to tackle top priority needs (e.g., sales,
                                                                                                         Through our partnership with RTO,
inventory management, training, customer service, etc.).
                                                                                                         a full-service learning management
Webinars                                                                                   organization, we provide exclusive computer-
                                                                                           based training at no cost to you!
Monthly webinars are geared to help you with several important aspects of your
business such as brand image, grab ‘n go, social media, staffing and more. Webinar         Training Modules
dates, times and topics are subject to change.
                                                                                           We’ve developed modules centered around two
                                                                                           of our most beneficial brand programs.
                                                                                           V The Retail Advantage module is our standard
                     Benefits
                                                                                             offering and a good fit for locations wanting to
                     V Tailored, hands-on learning                                           focus on key business areas.
                     V Industry data and best practices                                    V The Trimark of Excellence module dives a
                     V Lessons learned from tests conducted                                  bit deeper and is an excellent choice if you’re
                       at the CITGO Retail Concept Center,                                   looking to improve your location’s Mystery
                       our C-store lab                                                       Shop scores.
                     V Online resources

                                                                                                      To Register or
                    For More Information                                                              For More Information
                    V Contact your CITGO gasoline supplier                                            V Register at www.myCITGOstore.
                    V CITGO Retail Development                                                          com >> Retailing Institute >> Online
                      Jim Cox                                                                           Training >> Registration Form
                      281-450-4497                                                                      (website and access code will be
                      jcox5@citgo.com                                                                   emailed once you register)
                    V Visit myCITGOstore.com>>                                                        V Charlene Kovacsik
                      Retailing Institute                                                               800-322-4846, ext. 4989
                    V Register for webinars at                                                          brndmktg@citgo.com
                      www.myCITGOstore.com >>                                                           www.readytrainingonline.com
                      Retailing Institute >> Webinars
                                                                                                                                           13
Business Milestone Kits
We celebrate our new CITGO family members with several “Welcome to CITGO!”
touch points that deliver targeted information at the exact time you need it.

                 Approval (A) Status – Welcome Kit                                     For More Information
                 Upon reaching A status, locations receive a Welcome Kit, including:   V Contact your CITGO
                 V Street Smarts                                                         gasoline supplier

                 V Retailer Programs at a Glance
                 V Company Profile
                 V “We’re Going CITGO!” banner

                 Branded (B) Status – Conversion Kit
                 When a location reaches B status, a Conversion Kit ships with:
                                    ®
                 V CITGO Rewards Card POP
                 V Informational program flyers featuring myCITGOstore.com, the
                   Trimark of Excellence Mystery Shop Program, our proprietary
                   payment cards and more
                 V Credit card materials such as the regulations manual and
                   quick reference guide

                 Completed (C) Status – Opening Kit

                 The Opening Kit is received when a location reaches
                 C status and includes:
                 V The current wave of POP
                 V A CITGO Rewards Card sales kit
                 V Exclusive offers, including a $150 uniform
                   voucher to our brand store
                 V Marketing information center to hold
                   applications at the register
                                                                                                              14
Fuel Island and Curb Restoration
Your customers spend the bulk of their time at the fueling island. So, why not make a good first impression
with great curb appeal? To assist in this effort, CITGO has teamed up with Rugid Guard to offer you special
pricing on fuel island and curb restoration needs.

     Benefits
     V Low-cost alternative to replacing fuel islands
       and restoring old concrete and metal
     V Quick completion process with minimal impact
       on business
     V Increased sales volume due to better curb appeal
     V Five-year warranty against peeling, bubbling,
       fading and rust bleed
                                                             BEFORE
     V Easy to maintain and resistant to salts, gasoline/
       diesel fuels and fading from sunlight

                              To Order or For More Information
                              V Rugid Guard
                                 Tina Herschbach
                                 618-477-1617
                                 rugidguardusa@gmail.com              AFTER
                                 www.rugidguardusa.com

                                                                                                              15
Lighting
CITGO has negotiated with Cree, LSI Petroleum and SloanLED to provide you special pricing on all your
LED lighting needs. All three companies offer some of the most energy-efficient LED products in the
market today and provide turnkey solutions for your building, canopy and store interior—new and retrofit.

                                                                                                            16
Benefits                                       To Order or For More Information
V Reduced energy consumption
                                               V Cree                     V SloanLED
V Decreased electrical and maintenance costs
                                                 Craig Allen                Jamie Hampshire
V Improved aesthetics                            252-257-2141               972-469-2997
V LEDs stay brighter longer                      callen@cree.com            jhampshire@sloanled.com
                                                 www.cree.com               www.sloanled.com
V Energy rebates
                                               V LSI Petroleum Lighting
                                                 Tom Wright
                                                 832-866-1155
                                                 tom.wright@lsi-industries.com
                                                 www.lsi-industries.com

                                                                                                      17
Disability Fueling Assistance
Providing disabled persons with fueling assistance is an easy, no-cost way to give
back to your local community. Through the Disability Fueling Assistance program,
disabled customers can call your location when they pull up to the pump and a store
employee will come out and provide assistance.

                                                                   Materials
                                                                   Participating locations will receive:
                                                                   V A double-sided sign (approximately 12”x 24”) to
                                                                    place on the ID/gas price sign pole
                                                                   V Pump decals with the location phone number
                                                                    (options available for specific state requirements)

                                                                   Criteria
                                                                   Participating locations must be staffed with at least
                                                                   two employees at all times.

                                                                                        For More Information
                                                                                        V Contact your CITGO
                                                                                          gasoline supplier

                                                                                                                       18
The CITGO AMERISTORE®
This affordable, easy-to-implement C-store branding package fits virtually all
floor plans. The ordering process is simple and materials come with step-by-step
installation instructions.

                V Store Plans
                  C7 Works
                  Marshall Hare
                  804-496-6816, ext. 122
                                                   Soda
                  CITGOorders@c7works.com

                V Retrofit Kits and
                  Interior Graphics
                  Mountain Commercial Graphics
                  Jamie Tarver                   Fountain
                  800-950-4923, ext. 6635
                  jamiet@mountain-cg.com

                                                                                   19
                                                                                   19
2
Payment Cards

Keeping up with payment
card technology is essential
to maintaining current sales
and meeting customer
expectations. Customers are
looking for merchants with
EMV card acceptance to keep
their credit cards more secure.
As a merchant, you need to
protect cardholder data and
your location’s network using
data security industry standards
to help meet the annual
Payment Card Industry Data
Security Standard (PCI DSS)
requirements. This may seem
overwhelming, but CITGO
has information and solutions
to help you achieve your
obligations as a merchant.         20
Minimum Point-of-Sale (POS) Standards                                                                                                   Upgraded Point-of-Sale
                                                                                                                                        Equipment at a Glance
In addition to meeting PCI DSS requirements, your location must also
meet these minimum POS standards.

Requirements*                                               Certified POS Systems*
The following are required for all CITGO locations:         The POS systems listed below are CITGO-certified                                    EMV-Capable
                                                            and meet minimum POS standards.                                                     Site Controller
V EMV-compliant inside POS equipment (hardware,
  software and PIN Pads)                                    V Verifone Commander or RubyCi with Mx915,
V EMV software upgrades installed within 90 days              Mx925 or P400 PIN Pads
  of availability                                           V Gilbarco Passport PX60 or Passport Edge with
V Internet/broadband for EMV card processing                 EMV-capable EDH and Mx915 PIN Pad
                                                                                                                                                 Upgraded or
V Installation and use of an all-in-one firewall and POS   V Verifone Vx520 with Vx805 PIN Pad
                                                                                                                                                New PIN Pads
   Zone Router from a CITGO-authorized firewall provider    V NCR Radiant RPOS Epsilon with EPC4, Panther
V Updated software and firmware in PIN Pads and               Fuel Controller and Mx915 PIN Pad
  at fuel dispensers for future uses, including CITGO       *Subject to change. For current listing, visit CITGO MarketNet >> Payment
            ®
  Rewards Card rollback, loyalty programs and               Card >> Point of Sale >> Point of Sale Terminals and click on the POS
                                                            Approved Systems button on the right-hand side of the page.                   CITGO-Authorized All-in-One
  mobile payments                                                                                                                        Firewall and POS Zone Router

                       For More Information
                       VContact your CITGO
                           gasoline supplier
                                                                                                                                              Upgraded or New
                       VContact your local
                                                                                                                                            Point-of-Sale Systems
                           POS distributor
                       VCITGO POS
                            Product Managers
                            800-423-8434, ext. 5415
                            posprod@citgo.com

                                                                                                                                           Upgraded Fuel Dispensers
                                                                                                                                                                        21
®                       ®
Europay MasterCard and Visa (EMV)
With inside POS upgrades complete, focusing on upgrading your Automated Fuel Dispensers (AFDs) is imperative.
Don’t wait! As more retailers, restaurants and grocery chains complete their EMV roll-out, counterfeit fraud will
grow exponentially at locations that do not accept EMV cards in-store and at the pump.
If you don’t upgrade to EMV at your AFDs, you must have TDES (Triple Data Encryption Standards) PIN Pads—at a minimum—to accept PIN Debit.
The TDES deadline is Oct. 1, 2020.

Tips for a Successful Outdoor EMV Upgrade
1. Check with your CITGO gasoline           5. Consult with your AFD distributor        EMV                    Early Upgrade Benefits
   supplier, POS technician or the CITGO       on exact timing as you prepare to   Fuel Dispenser
                                                                                                               CITGO encourages all branded retail
   POS Product Team to determine POS           install upgraded fuel dispensers      Deadline
                                                                                                               locations to upgrade as soon as
   software availability.                      and POS software.                    Oct. 1, 2020
                                                                                                               POS software is available for their
2. Consult with your AFD distributor        6. Plan far in advance. Equipment                                  outdoor EMV equipment.
   to assess fuel dispenser age and            and technicians will be in                                      V Upgraded/Next Generation
   operability.                                high demand.                                                       Hardware and Software (e.g.,
  • Retrofit – 0-9 years                                                                                          communications, NFC, secure
  • Replace – 10+ years                                                   Onboard computer                        dispenser access)
                                                                          (memory, processor, etc.)
3. Conduct a site survey for each                                                                              V Better availability of equipment
   location with your AFD distributor.                                                                           and technicians
   Consider bandwidth/communication                 Powered by reader                                          V Mitigate and reduce fraud and
   upgrades required to process EMV                 on contact                                                   chargebacks
   transactions and factor in extra time
   if new infrastructure is needed (e.g.,                                                                      V Meet consumer expectations
                                                    Customer card
   rewiring, breaking concrete, etc.).              information is
                                                    on the chip
4. Take other improvements into account             making
   when you order upgraded fuel                     it difficult to
   dispensers. (e.g., video monitors,               counterfeit
   2D scanners, tamper alarms, NFC for                                     ID, authentication, data storage,
   popular mobile payment methods and                                      apps processing
   contactless EMV cards, etc.).

                                                                                                                                                22
Outdoor EMV Extension – EXCEPTIONS
The petroleum outdoor EMV counterfeit liability shift was deferred three years to Oct. 1, 2020, but there are
caveats by some credit card brands*.
         1. Liability has already shifted on non U.S.-issued cards (e.g., Canada, etc.)
         2. AFD locations that have excessive counterfeit outdoor transactions AND do not accept                   For More Information
            EMV could receive EMV chargebacks before the deadline.                                                 V Contact your CITGO
                                                                                                                     gasoline supplier.
                                                                                                                   V CITGO MarketNet >>
                                   Types of Excessive Chargebacks                                                    Payment Card >>Payment Card
                                                                                                                     Operations>>Chargebacks
                               Assessed on an Individual Location Basis
                                                                                                                   V Wayne Fueling Systems
                                                                                                                     Steve Van Vlack

                        :               Or                   :                Or
                                                                                                                     512-238-3657
                                                                                                                     steve.vanvlack@doverfs.com
                                                                                                                     www.wayne.com
          Excessive fraud-to-sales             Excessive fraud-to-sales            EMV chargebacks                 V Gilbarco Veeder-Root
         ratios and excessive dollar         ratios and excessive number           with fines imposed                Don Murashima
           amount of chargebacks                     of chargebacks                                                  949-246-4809
                                                                                                                     don.murashima@gilbarco.com
                                                                                                                     www.gilbarco.com
                                                                                                                   V Bennett Pump Company
                                                                                                                     James Collier
                                                                                                                     602-315-1242
Timing of EMV Chargebacks                                                                                            jcollier@bennettpump.com
Excessive chargebacks depend on the severity and amount of EMV chargebacks. Some credit card brands                  www.bennett.com
may offer a remediation period before passing the EMV chargebacks through. Others will not.                        V www.emv-connection.com >>
                                                                                                                     EMV Resources >> Merchant
The fines imposed with EMV chargebacks are made up of the original transaction amount charged back
AND a fee. If there is no remediation period, chargebacks are imposed immediately.                                 V www.gochipcard.com >> Merchant

You will be notified by your CITGO gasoline supplier if your location reaches excessive chargeback levels. It is
your responsibility to work with CITGO and your gasoline supplier to remediate out of excessive chargebacks.

This applies to all locations processing on the CITGO Network.

* Visa, MasterCard, Discover, American Express, WEX and Voyager

                                                                                                                                                  23
Payment Card Industry (PCI)/Data Security Standard (DSS)
PCI DSS compliance is mandatory.

All CITGO locations transmitting on the CITGO Payment Card Network must have:                    “If you are a merchant that
                                                                                                 accepts payment cards, you
V POS software that meets the most current PCI PA-DSS (Payment Application Data
                                                                                                 are required to be compliant
  Security Standards).
                                                                                                 with PCI DSS.”
V Policies and procedures in place to pass PCI DSS for merchants.
                                                                                                 Must achieve compliance
V Installation and current use of a PCI DSS-compliant firewall from a CITGO-authorized
                                                                                                    annually
  firewall service provider.
                                                                                                 Must validate and provide
V Logging and tracking of all internet traffic connected to POS equipment and using the same
                                                                                                    proof of compliance
  internet connection as the POS. Consider enhanced or “smart” logging to identify threats to
  multiple systems from multiple sources. (See firewall provider for more details.)              Must use a QIR-certified
                                                                                                    technician to install
    • Protect corporate data as if it was payment card data to avoid a security attack and
                                                                                                    POS systems and work
      paying ransomware in digital currency to decrypt your files.
                                                                                                    with equipment
    • Physically secure all devices and hide access to plugs/ports with payment
                                                                                                 Source: www.pcisecuritystandards.org
      card information to avoid physical attacks through POS skimmers.
    • Use strong passwords and change system default
      passwords in the POS, PIN Pads, Fuel/Site Controller,
      Electronic Payment Server, etc.
V Passing quarterly external scans by an
                                                                                                 80%
                                                                                                 of hacking attacks could be
  Authorized Scanning Vendor (ASV).
                                                                                                 prevented by strengthening
V PIN Pads that meet current PCI PTS (Payment                                                    passwords and installing
  Card Industry PIN Transaction Security)                                                        software patches*
  requirements (e.g., Verifone Mx915 or Mx925 for
  integrated POS, Vx805 for Vx520 terminals). All inside PIN Pads must
  accept debit/EBT cards and be NFC capable for mobile payment.
V Monthly tracking of all equipment, by serial number, that contains cardholder data to ensure
  equipment has not been compromised (e.g., PINPads, POS, Electronic Payment Server
  (Gilbarco EDH, NCR EPC4), Fuel Controller, etc.).                                              81%
                                                                                                 of hacking-related breaches
V Monthly tracking of anti-virus software to ensure it is in place and set up for proper
                                                                                                 leveraged either stolen
  monitoring and mitigation of viruses and malware on all systems.
                                                                                                 and/or weak passwords*
*Source: https://blog.pcisecuritystandards.org/topic/smb-series
                                                                                                                                        24
Proof of PCI Compliance
As a CITGO Retailer, you are required to validate and be able to show proof of
annual PCI DSS compliance. Here’s how:
V Complete and pass a Self-Assessment Questionnaire (SAQ)

                  SAQ D                               SAQ B-IP

          Integrated POS Systems          Internet-Connected Vx520 Terminals

V Pass quarterly external scans conducted by PCI-Certified ASVs

                          For More Information                         V PCI-DSS Compliance Help
                          V Contact your CITGO gasoline supplier          • ControlScan – PCI 1-2-3 Program   Special pricing available
                          V CITGO POS Product Managers                         800-825-3301, ext. 2           for CITGO locations!
                            800-423-8434, ext. 5415                            www.controlscan.com/petropci
                            posprod@citgo.com                          V SAQ Documents, ASVs,
                          V CITGO-Authorized Firewall Providers          PCI-Qualified Security Assessors
                                                                         and More
                             • Acumera                                   www.pcisecuritystandards.org
                               512-687-7412
                               citgo@acumera.net
                             • ControlScan EchoSat PaySafe
                               800-393-3246
                               citgo@controlscan.com
                               https://citgo.spgnow.com/citgosignup
                             • Cybera
                               866-4CYBERA (866-429-2372)
                               sales@cybera.net
                             • Mako Networks
                               844-99-CITGO (844-992-4846)
                               citgosales@makonetworks.com

                                                                                                                                          25
Proprietary Payment Cards
From a rebate-filled credit card and complete fleet card program to a secure
check card with savings and a convenient gift card, CITGO payment cards work
for your business by working to fit your customers’ lifestyles and needs.

                                                                               CITGO Rewards Card                         ®

                                                                               With zero transaction fees for you, and cardholders
                                                                               that spend 30% more per transaction and pump
                                                                               13% more gallons of fuel* than non-cardholders,
                                                                               there are many great reasons for you to promote
                                                                               the Rewards Card at your locations.

                                                                               *2016 Argus US Gasoline Credit Purchase Trends for Synchrony Financial

                                                                                                                                                        26
Growing the Portfolio                                       Tips for Success                    For More Information
We’re giving you 100% support, with Regional Credit         V Display POP materials clearly     V Contact your CITGO
Managers and a marketing team dedicated to help bring       V Offer an additional cents-off-      gasoline supplier.
more Rewards Card business to your locations through:         per-gallon or special in-store    V Contact your Synchrony
V Permanent POP (pump toppers, column signs,                  incentive for cardholders           Regional Credit Manager
  and front and cooler door decals) complete with           V Educate team members on the         V    North Central
  our “always on” messaging—10¢ in fuel statement             card's benefits and how                  and Northeast
  credits on every gallon of fuel purchased for the first     to promote it                            Gary Andersen
  three months the account is open and 5¢ per gallon        V Host special events and station          224-634-7463
  after that; current cardholders continue to receive 5¢      training                                 gary.andersen@syf.com
  in fuel statement credits on every gallon purchased,      V Engage customers by asking,          V   South Central
  with no minimums or maximums                                “Will you be paying with a               and Southeast
                                                              CITGO Rewards Card today?”               Oscar Adams
V Direct mail and email campaigns throughout the year
                                                                                                       678-490-1157
  that promote the card and offer special incentives        V Keep applications well stocked
                                                                                                       oscar.adams@syf.com
V Opportunities to host marketing events at your                                                V Visit myCITGOstore.com >>
  locations to gain new Rewards Card business                                                     Payment Card >>
V Personalized training and online training tools                                                 CITGO Cards >>
                                                                                                  CITGO Rewards Card
Calculate Your Savings                                                                          V Order applications
Calculate your estimated monthly credit card fees                                                 888-246-2582
as well as monthly and yearly savings using the fee
savings calculator on myCITGOstore.com at Payment
Card >> CITGO Cards >> Rewards Card. There’s even a
calculation that determines what percent of sales you
could shift to the Rewards Card to save even more!

                                                                                                                          27
CITGO Fleet Cards
The benefits of the CITGO Fleet Card program are many. Not only do
fleet customers purchase 15 times more than the average consumer
(about 800 gallons a month), but they are loyal—52% shop at one
brand for both business and personal needs. Add to that lower
transaction fees than other third-party fleet cards, and you could save
yourself a bundle while growing your volume!

What’s more, with four card types and fuel rebates of up to 5¢ per
gallon, there are a variety of options to offer your consumers.

CITGO Fleet Card                        CITGO Fleet Select Card
Ideal for small- to mid-size fleets     Ideal for mid-size fleets that may
purchasing at CITGO locations and       qualify for the tiered rebates
includes flexible payment options.      offered with larger volume
                                        accounts. See rebate chart below.
CITGO In-Store Card
Features the same benefits as the       CITGO Fleet Universal Card
CITGO Fleet Card, but promotes          Ideal for mid-to-large fleets that
loyalty by ensuring ALL purchases       may need to travel outside the           Tiered Volume Rebate
are made at a specific CITGO            CITGO network of locations on            CITGO Fleet Select and Fleet Universal cardholders
location selected by the customer.      occasion. Eligible for tiered rebates;   are eligible for a tiered volume rebate on purchases
                                        see rebate chart to the right.           made at CITGO locations.

                                                                                 Gallons Per Month             Cents-Per-Gallon
                                                                                 (CPG) Rebate

                                                                                 500 - 2,499                         1¢
                                                                                 2,500 - 4,999                       2¢
                                                                                 5,000 - 6,999                       3¢
                                                                                 7,000 - 9,999                       4¢
                                                                                 10,000+                             5¢

                                                                                                                                        28
Growing the Portfolio                                               For More Information               An Added Bonus
Our Fleet program is backed by a dedicated team that can help you   V Contact your CITGO               You’ll receive a $50 CITGO Gift
engage current Fleet customers and bring in new accounts through      gasoline supplier.               Card for every lead you submit
location or area-specific campaigns. You can help out by sending
                                                                    V Contact your WEX Channel         that results in a qualified
account leads to www.CITGOfleetcard.com/leads. Possible leads
                                                                      Strategy Manager                 CITGO Fleet application!
include businesses:
                                                                        VC
                                                                             entraland Gulf Coast
V With multiple vehicles                                                   Cindy Tahil                 Submit leads to
V Paying with cash                                                         860-693-9500                www.citgofleetcard.com/leads.
                                                                           cindy.tahil@wexinc.com
V Paying with other fleet cards (e.g., Voyager, Fuelman or
  MasterCard Comdata)                                               VEast
                                                                           Josh Amoroso
V Paying with a credit card                                                207-523-7749
                                                                           joshua.amoroso@wexinc.com
Selling Your Customers                                              V CITGO Fleet HelpDesk
Below are five key benefits Fleet cardholders enjoy. Share them       866-926-5615
with your customers and watch your volume grow!                     V CITGO VIP Hotline
V Accepted at all CITGO locations                                     (application fast track,
                                                                      sale closings and questions)
V Detailed driver and mileage reports for fuel cost analysis
                                                                      855-804-1455
V Enhanced security and purchase alerts                             V Visit myCITGOstore.com >>
V 24/7 online account access and customer service                     Payment Card >> CITGO Cards
                                                                      >> CITGO Fleet Card Program
V Volume rebates up to 5¢ per gallon
  (Fleet Select and Fleet Universal cards only)
V Nationwide acceptance (Fleet Universal Card Only)

                                                                                                                                    29
                                                                                                                                    29
CITGO Debit Plus Card
The CITGO Debit Plus Card works just like a debit card and offers your customers a safe and secure
method of payment.
                                                                                                          To Order or
                                                                                                          For More Information
                                                                                                          V Contact your CITGO
                                                                                                            gasoline supplier
                                                                                                          V Order applications
                                                                                                            888-246-2582
                                                                                                          V Visit myCITGOstore.com
                                                                                                            >>Payment Card >> CITGO
                                                                                                            Cards >> CITGO Debit Plus
                                                                                                            Card

            Benefits
            V It’s the only card in the CITGO portfolio that features a 1% rebate on ALL purchases
              —at the pump and in store. This provides a great draw to bring customers inside
              the store where the real margins are made.
            V It’s an easier consumer sell than a credit card. All that’s required is a checking
              account—no credit check or lengthy approval process.
            V A lower transaction fee, compared to bank-issued credit cards, will help save you money.
            V This secure pay alternative to debit cards is PIN protected and will help lower your risk
              of fraud and chargebacks.

                                                                                                                                        30
CITGO Gift Card                                                                  To Order or                             Benefits
                                                                                 For More Information                    V No transaction fees
The CITGO Gift Card is perfect for people on the go, so be sure to keep
these in stock! They work just like cash and customers are able to set the       V Contact your CITGO                    V No dormancy fee
                                                                                   gasoline supplier
value of their card in whole dollar increments, ranging from $5 to $300.                                                 V Rechargeable up to 999 times
                                                                                 V Visit myCITGOstore.com >>
                                                                                                                         V Balance check availability
                                                                                   Payment Card >> CITGO
                                                                                   Cards >> CITGO Gift Card

              Cost Savings Tip
              Reduce the number of
              activation fees (10¢ for
              all first-time activations)
              and help the environment
              by encouraging your
              customers to reuse their
              Gift Cards.

 Debit Cards and EBT                                                         For More Information
                                                                             V Contact your CITGO
 The following debit and EBT networks are                                      gasoline supplier.
 currently available to CITGO-branded Retailers:                             V To accept debit cards at your location:
                                                                               CITGO POS HelpDesk
                                                                               800-533-3421, option 2, option 2
                                                                             V To accept EBT cards at your location:
                                                                               CITGO POS HelpDesk
                                                                               800-533-3421, option 2, option 3

                                                                                                                                                        31
Fraud, Chargebacks and Data Breaches
Fraud is a serious threat that could cost you thousands of dollars in
fees and chargebacks if your location is not properly protected.
While the major card brands have delayed the EMV liability shift at
the pump until Oct. 1, 2020, CITGO strongly recommends you
continue your outdoor EMV migration path.

Island Card Reader (ICR) Fraud Program
If your retail location has current PCI-compliant software and ZIP verification, you are
100% covered. CITGO will absorb all ICR fraud losses as shown below:

ICR Fraud Amount         Coverage
$0 - $500                Covered in full by CITGO                                                   Requirements
                         Covered in full by CITGO if location can provide proof of the following:   All CITGO retail locations remain responsible for:
                         • CITGO Security Seals are properly used                                   V Monitoring and reporting suspicious activity
$501+                    • Customized locks have been installed                                       to your CITGO gasoline supplier and the
                         • Location is completing and logging pump inspections. (CITGO requires       CITGO Payment Card Fraud/Chargeback
                           daily pump inspections at a minimum, but best practices recommend that
                           pumps are checked at each shift change.)                                   Department (cardoperations@citgo.com)
                                                                                                    V Performing daily inspections, at a minimum,
CITGO requires documented proof (e.g.,                V There is attendant involvement                of all pumps and checking for skimming or
receipts, pump photos, tracking logs, etc.)                                                           other foreign devices
                                                      V The location has overridden CITGO
before resuming responsibility for ICR fraud-           default settings
related chargeback liability. To track the ICR
                                                      V The location is aware of fraudulent
fraud amount at your locations, download
the “CITGO Absorbed Fraud Report” found
                                                        activity, but fails to act                  For More Information
on MarketNet at Payment Card >> Payment               V The issuing bank determines the location    V Contact your CITGO gasoline supplier
Card Reports >> CITGO Absorbed ICR Fraud.               is the point of compromise
                                                                                                    V Email cardoperations@citgo.com
CITGO reserves the right to pass through all          V The location exceeds a card brand’s
                                                                                                    V Caleb Burke
fraud-related chargebacks to your location if           excessive chargeback threshold                832-486-4340
any of the following conditions are discovered:       V The location is not PCI DSS compliant         cburke@citgo.com
                                                                                                                                                    32
ZIP Code Verification Program
ZIP verification is mandatory for all CITGO locations, except where prohibited by law (e.g., New Jersey).
This added security benefit protects your cardholders’ information from improper use on Visa®, MasterCard®, American
Express® and Discover® transactions. It does not cover debit transactions and fleet accounts for Visa and MasterCard.
If you elect to opt out of ZIP verification, you must sign a waiver acknowledging you understand the risk and accept
liability for all ICR chargebacks and or fees imposed by the card brands.

                                                                                                                   For More Information
                                                                                                                   V Contact your CITGO
                                                                                                                     gasoline supplier
                                                                                                                   V Email cardoperations@citgo.com
                                                                                                                     for instructional ZIP Code
                                                                                                                     pump decals

                                                                                                                                                      33
Anti-Skimming Program                                         For More Information
New Effective Jan. 1, 2019, if a skimmer is found at                 V Caleb Burke
for  your location and you do not report it to CITGO                   832-486-4340
2019 (cardoperations@citgo.com) along with a completed                 cburke@citgo.com
       Incident Response Form, chargeback liability will             V Order CITGO-branded pump security
       be shifted to your CITGO gasoline supplier as                   seals at myCITGOstore.com (click on
       follows. They will decide whether or not to pass                the Security Seals rotating banner at
       charges on to you.                                              the top of the page)
                                                                     V Order pump locks from CompX at
       Offense                           Chargeback
                                                                       864-297-6655 or www.compx.com.
       (multiple devices found at the    Liability
       same time count as one offense)                               V Download Incident Response Forms
                                                                       and Daily Security Seal Trackers at
       1st                               30 days                       MarketNet >> Payment Card >>
       2nd                               180 days                      Payment Card Operations >> Fraud
       3rd +                             1 year

       If a skimmer is found at your location and you         Best Practices to Prevent Skimming
       report the finding to CITGO, a warning will be         and Data Breaches
       issued. Any subsequent findings, reported or           Here are some best practices to help combat skimming and data breaches:
       not, will be subject to chargeback liability per the
                                                              V Be familiar with the inside of dispensers and POS equipment inside the store
       schedule above.
       Any protections offered under the ICR Fraud            V Conduct daily inspections of all POS equipment
       Program will be suspended until proof of               V Lock and secure POS terminals and server boxes
       successful remediation is provided, only then          V Utilize security tape over the CRIND doors on all dispensers
       will CITGO resume accepting liability for ICR
                                                              V Control access to all POS terminals
       fraud-related chargebacks. Remediation includes
       providing documented proof of the following:           V Use video surveillance cameras
       • Installing CITGO-approved pump security seals        If you detect a skimming device or data breach at your location:
                                                              V Contact your CITGO gasoline supplier and the CITGO payment card operations
                                                                manager (cburke@citgo.com) and provide your 8-digit CITGO location number,
                                                                address, city, state and ZIP code
                                                              V Shut down the dispenser or POS device and place an “Out of Service” sign on it
                                                              V Save all security video and take pictures of the device dispenser
                                                              V Contact your local law enforcement and provide them with a copy of the
       • Upgrading pumps with customized locks                  receipt from the last transaction                                                34
POS Solutions
Now that you’ve upgraded your POS system to accept EMV cards inside the store, your POS vendor can
provide Help Desk support, remote software downloads and the latest software to help address new
data security threats, PCI software requirements and enhanced features.

                                                                                                  For More Information
                                                                                                  V Contact your CITGO gasoline supplier.

                                                                                                  V   POS Help Desk Support
                                                                                                   V Gilbarco Passport
                                                                                                        800-800-7498
                                                                                                   V NCR
                                                                                                        Contact your NCR reseller directly
                                                                                                   V Verifone
                                                                                                        800-889-7829
                                                                                                      V   CITGO POS Help Desk
                                                                                                          800-533-3421, option 2, option 2
                                                                                                      V   CITGO POS Product Managers
                                                                                                          800-423-8434, ext. 5415
                                                                                                          posprod@citgo.com

CITGO requires all locations with integrated POS to subscribe to their respective POS vendor’s
Help Desk in order to receive support and remote software downloads. To subscribe, contact your
POS vendor’s Help Desk or a CITGO POS Product Manager. (Exception, Vx520 stand-alone terminal)

                                                                                                                                         35
3
Advertising and
Promotions

From advertising campaigns
and community relations
                         igns
                         s
to local events and loyalty
                         ty
promotions, CITGO continues
                         tinues
to bring you engaging creative
                          eative
that catches consumers’’
attention and draws them m
into your locations.

                                   36
Key Messages                                                                                           Club CITGO
                                                                                                       The Club CITGO app is utilized
We’re CITGO. The only one fueled with GO. And, by empowering our                                       by hundreds of thousands of
                                                                                                       consumers for the deals on gas
communities to GO Do More, we’re Fueling Good. Here are some of the                                    and in-store items it offers, but
ways we’re continuing the momentum of our “GO” campaign in 2019.                                       the good keeps going! When it
                                                                                                       comes to using the rewards app,
                                                                                                       we’re here to make things go
                                                                                                       better. So where do we go from
                   Locally Owned and Fueling Good
                                                                                                       here? We’re turning it up a notch.
                   Your locally owned CITGO retail location                                            Welcome to the next level of GO.
                   isn’t just fueling good in your community;                                          This year, Club CITGO messaging
                   it’s a part of your community, too. It’s at the                                     in and around the store, on social
                   heart of what keeps everything humming.                                             media and beyond will get a
                   From giving back to organizations that give                                         whole new look, driving increased
                   back to your community, to actively getting                                         engagement from current users
                   involved in volunteer projects, this year                                           and downloads from new users.
                   we’ll continue to drive purchase intent by
                   shining a light on how your station keeps
                   the good going around your community.

                                                                       CITGO Rewards® Card
                                                                       When you can help your consumers
                                                                       save on gas, it opens up more room
     TriCLEAN® Gasoline
                                                                       in their budgets to spend on things
     Consumers expect quality fuel and, when they fill up with         they enjoy. Our Rewards Card offers
                            ®
     TOP TIER™ TriCLEAN gasoline, that’s exactly what’s getting        an introductory rebate for new
     them around. TriCLEAN gasoline helps keep fuel injectors and      cardholders of 10¢ per gallon for the
     intake valves clean while minimizing emissions and maximizing     first 3 months the account is open
     mileage. It’s good gas that leads to even greater distances and   and 5¢ per gallon after that. Now
     opportunities, and it all starts at your local CITGO.             that’s fueling good beyond the pump!
                                                                                                                                            37
Reaching Consumers
We’ll push our key messages out to consumers via a strategic mix of advertising channels—POP, digital
video, outdoor billboards, gas apps and radio—as well as through special regional promotions and a heavy
social media presence.

          Socially Aware and Goal Oriented
          This year, we’re using social media as a catalyst to
          bring the CITGO brand to life and fully express our
          “Fueling Good” philosophy through a unique set of
          content categories that you and your consumers can
          relate to and rally around. From Community and Travel
          to Rewards and Family Fun, we’re creating meaningful
          relationships that will drive our business objectives.
          Our social media calendar will be full of original posts,
          including those in support of all our key messages.
          We’ll engage with consumers, build excitement around
          our TOP TIER™ TriCLEAN® gasoline, feature great deals,
          rewards and sweepstakes offered through the Club
          CITGO app and promote all the ways we’re fueling
          good and giving back in our local communities.
                                                                                         Engage with Us
                                                                                         Tag us in your posts with
                                                                                         @Fueling_Good any time
                                                                                         you keep the good going in
                                                                      CITGOFuelingGood   your communities. And use
                                                                                         these hashtags to make sure
                                                                                         we see—and help spread—
                                                                                         your messages!
                                                                                         V   #CITGO
                                                                                         V   #ClubCITGO
                                                                        Fueling_Good
                                                                                         V   #fuelinggood
                                                                                         V   #TriCLEAN
                                                                                                                       38
Fueling Good                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           To Sign Up or
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       For More Information
Making a difference in your local community sets you apart from your
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       V Contact your CITGO
competitors. So, let CITGO help you with these charitable giving initiatives.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            gasoline supplier
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       V Visit myCITGOstore.com >>
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         Programs >> Advertising
Spirit Pump                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              and Promotions
The CITGO Spirit Pump program is a fundraising alternative that provides you with the
opportunity to “pump up” support for local schools and charitable organizations.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        What’s Included                   How It Works
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        V Free marketing materials,       V Partner with a local school/
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          including pump skirt and          charity to raise funds.
          FILL UP HERE AND HELP
          LOCAL STUDENTS.
          With every purchase of TriCLEAN® gasoline at this spirit pump, you help fund
          local educational programs and much-needed classroom supplies.
                                                                                                                                                                                                                                                                            Fill up here and
                                                                                                                                                                                                                                                                            help others.
                                                                                                                                                                                                                                                                            With every purchase of TriCLEAN® gasoline at this spirit pump, you help
                                                                                                                                                                                                                                                                            fund local charities and organizations fueling good in the community.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          valance decals, pump            V Designate a pump at your location
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          topper inserts, posters,
                                                                                                                                                                                                                                                                            All proceeds from this pump benefit .
          ALL
           ALLPROCEEDS
               PROCEEDSFROM
                        FROM THIS PUMP BENEFIT
                             THIS PUMP BENEFITTBD
                                               TBDLOCAL
                                                   LOCAL  SCHOOL
                                                        SCHOOL    DISTRICT
                                                               DISTRICT

           CITGO, as well as the CITGO logo, trade name, trade dress and all related marks are registered trademarks of CITGO Petroleum Corporation. All other trademarks are the property of their respective owners. CITGO Petroleum Corporation
           does not own, operate or maintain the retail locations bearing the CITGO logo, trade name and trade dress. By participating in this program, individual retail locations have pledged to donate at least $1,000 to a school or charitable organization
           of their choice. CITGO is not responsible for the collection or disbursement of funds for this promotion and therefore cannot promise, warrant or guarantee the donation of funds in any amount. The selection of any recipient organization is the
           responsibility of, and made at the sole discretion of, the individual retail location and does not constitute any endorsement of that organization by CITGO.                                                                                                     CITGO, as well as the CITGO logo, trade name, trade dress and all related marks are registered trademarks of CITGO Petroleum Corporation. All other trademarks are the property of their respective owners. CITGO Petroleum Corporation does not own, operate or maintain the retail locations bearing the CITGO logo, trade name and trade dress. By participating in this program, individual retail locations have pledged to donate at least $1,000 to a school or charitable organi-
                                                                                                                                                                                                                                                                            zation of their choice. CITGO is not responsible for the collection or disbursement of funds for this promotion and therefore cannot promise, warrant or guarantee the donation of funds in any amount. The selection of any recipient organization is the responsibility of, and made at the sole discretion of, the individual retail location and does not constitute any endorsement of that organization by CITGO.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            for no less than 8 weeks (16-week
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          postcard handouts, cooler         maximum)
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          decals, wobblers and vinyl      V Set a cents-per-gallon
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          banners for the location           commitment on all purchases
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          and school/charity.                made at the Spirit Pump during
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        V Local public relations (PR)        the program period (minimum
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          support, including press           guaranteed donation of $1,000
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          releases/media advisories.         required)
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        V Optional marketing
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          materials, including
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          customization and extra
  The school bus-inspired                                                                                                                                                                                                                                           The helping hands theme                                                                                                                                                                                                                                                                                                                                                                                                                                                                               vinyl banners and pump
  theme will be applied to                                                                                                                                                                                                                                          will be applied to all                                                                                                                                                                                                                                                                                                                                                                                                                                                                                topper inserts, are available
  all corresponding materials                                                                                                                                                                                                                                       corresponding materials                                                                                                                                                                                                                                                                                                                                                                                                                                                                               for an additional fee.
  for schools.                                                                                                                                                                                                                                                      for charitable organizations.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Reminder!
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  There is a four-week
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              our-week
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             ead time from
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  minimum lead
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  when orderer is placed until
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  materials are received                                         39
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  9
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