Citi Commercial Cards B 2 B Cards for

Citi® Commercial Cards B 2 B Cards for Non-PO Spend January 2013

Citi Commercial Cards: Targeting Non-PO Spend Citi’s B 2 B Card products enable opportunities to realize process efficiencies by shifting low-dollar and indirect spend from a PO-Invoice process to a streamlined, card-based Non-PO process Evolving B 2 B Card Use Benefits Streamlined purchasing and accounting processes Post-Invoice Spend Visibility into consolidated spending data Reduction of costs from low-dollar and one-off invoices Improved cash flow and rebate opportunities e. Procurement Citi B 2 B Card Payment Options Purchasing Cards Ghost Cards Virtual Card Accounts 2 Non-PO Spend

Citi B 2 B Card Payment Products for Non-PO Spend Citi’s individual B 2 B card products provide options to flexibly meet clients’ requirements for implementing effective Non-PO card solutions Features and Relative Benefits: By Product Citi Purchasing Cards Citi Ghost Cards – “Lodged” Citi Ghost Cards – A/P Department Card Citi Virtual Card Accounts 3 Secure, controlled cards distributed to employees for purchasing Card-level controls support policy compliance and limit misuse, including MCC blocks, transaction limits, and velocity controls “Plastic-less” card accounts stored by the supplier or by the buyer Complementary solution for frequently used & strategic suppliers Consolidate spend by supplier to ease reconciliation and coding Easy to setup, use, and administer Single-use virtual card numbers for card-not-present purchases Granular transaction-level controls ideal for higher-dollar purchases Enhanced pre-transaction data capture to support reconciliation, allocation, and reporting