2020 Street Smarts GO SUCCEED - CITGO MarketNet
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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 1
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! 2
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
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
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. 5
® 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 6
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 7
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 8
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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