OTHER NETWORKS FEE SCHEDULE TO THE MERCHANT PRICE SCHEDULE TO THE MERCHANT PROCESSING AGREEMENT

Transcription

1 OTHER NETWORKS FEE SCHEDULE TO THE MERCHANT PRICE SCHEDULE TO THE MERCHANT PROCESSING AGREEMENT This other Networks Fee Schedule shall be an exhibit ( Exhibit ) to the Merchant Price Schedule to the Merchant Processing Agreement between Processor and Merchant (the Agreement ). Except for the terms defined herein, the capitalized terms herein shall have the same meaning as given to them in the Agreement. Merchant desires to be an acquirer and/or merchant in one or more of the following corporations, networks and/or programs (collectively "Other Networks" or individually "Other Network"). Merchant represents and warrants that it has been approved by the Other Network(s) to be an acquirer and/or merchant in such Other Network(s) either through a direct agreement between Merchant and such Other Network(s) or by sponsorship into such Other Network(s) through a separate agreement between Merchant and a third party (which may be Processor or Processor's affiliate or agent): If Merchant is sponsored by or processed by Processor, Processor's affiliate or Processor's agent (collectively "Processor Sponsor") into an Other Network (which shall be at the sole discretion of Processor Sponsor and which shall only be pursuant to a separate written agreement other than this Agreement) and Processor Sponsor's agreement with such Other Network which permits such sponsorship or processing, terminates for any reason, Processor Sponsor shall thereafter have no obligation to sponsor and/or process Merchant into such Other Network. If Merchant for any reason begins receiving any Services in connection with any of the following corporations, networks and/or programs or Merchant begins receiving any Services in connection with any other corporations, networks and/or programs supported by Processor or its affiliates, then Merchant agrees that such corporations, networks and/or programs shall automatically become Other Networks for purposes of this Agreement and all of Merchant's obligations in this Agreement shall apply with respect to all Other Networks. Processor may route VISA, MasterCard, and Other Network transactions according to its standards and at its sole discretion. Merchant agrees that it has or will, prior to commencing participation in each Other Network, obtain all necessary approvals and execute any applications and/or agreements necessary for, required by or affecting Merchant's participation in such Other Network(s). In addition, Merchant shall obtain such other approvals or execute such other documents as may be required from time to time in connection with Merchant's participation in such Other Networks. Merchant agrees to participate in Other Network(s) in compliance with, and subject to, the Bank Rules and the Operating Regulations. Merchant agrees to pay all fees, fines, assessments and penalties as they are currently in effect or may be changed from time to time, imposed by the Other Network(s), whether billed directly to Merchant by such Other Network(s) or through Processor or its affiliates or agents. Processor may allocate any such fees, fines, assessments or penalties in such manner as it deems advisable in its sole discretion. Merchant attests that all POS terminals are operating with unique keys as mandated by Other Networks. Merchant agrees to indemnify and hold harmless, Processor, its officers, employees, affiliates and agents, from and against any losses, damages, fees, fines, penalties and expenses, including reasonable legal, accounting and collection fees and expenses, that Processor, its officers, employees, affiliates and agents may incur as a result of Merchant's failure to comply with any provision of the Bank Rules, the Operating Regulations, the Agreement or this Schedule or for any other reason in connection with the Services provided hereunder, whether incurred by or as a result of the action or failure to act of Processor or Merchant, or their agents. The foregoing may include, but shall not be limited to, the repayment of settlement funds by Merchant to Processor. This indemnification shall survive the termination of the Agreement. ACCEL / Exchange Network POS Switch Fee $0.04 Pre-authorization Transaction $0.04 Money Transfer $0.04 Approved Transactions (per transaction) Standard Advantage Assurance Program Program Supermarket - Tier I $0.18 $0.24 $0.18 Supermarket - Tier II $0.20 $0.28 $0.20 Supermarket - Tier III $0.23 $0.32 $0.20 Supermarket - Tier IV $0.25 $0.355 $0.20 Supermarket Small Ticket 1.0% + $ % + $ % + $0.06 ($15 & Under) Petroleum - Tier I 0.70% + $ % + $ % + $0.18 ($0.95 max) $0.90 max) Petroleum - Tier II 0.70% + $ % + $ % + $0.18 Petroleum - Tier III 0.80% + $ % + $ % + $0.18 Petroleum - Tier IV 0.80% + $ % + $ % + $0.18 ($0.95 max) (no max) Petroleum Small Ticket ($15 & Under) 1.0% + $ % + $ % + $0.06 All Other (Retail) - Tier I 0.50% + $ % + $ % + $0.12 ($0.45 max) ($0.60 max) ($0.45 max) All Other (Retail) Tier I Small Ticket ($15 & Under) 0.50% + $ % + $ % + $0.12 All Other (Retail) - Tier II 0.55% + $ % + $ % + $0.18 ($0.55 max) ($0.80 max) All Other (Retail) Tier II Small Ticket ($15 & Under) 1.0% + $ % + $ % + $0.06 All Other (Retail) - Tier III 0.80% + $ % + $ % + $0.18 All Other (Retail) Tier III Small Ticket ($15 & Under) 1.0% + $ % + $ % + $0.06 All Other (Retail) - Tier IV 0.85% + $ % + $ % + $0.18 All Other (Retail) Tier IV Small Ticket ($15 & Under) 1.0% + $ % + $ %+ $0.06 QSR 0.95% + $ % + $ % + $0.13 QSRT Small Ticket ($15 & Under) 1.0% + $ % + $ % + $0.06 PINless Bill lpaymentutility * $0.54 $0.64 $0.50 PINless Bill Payment (Telecom)* 0.65% + $ % + $ % + $0.14 PINless Bill Payment (All Other)* 0.60% + $ % + $ % + $0.14 ($1.50 max) ($2.00 max) ($1.50 max) ACCEL / Exchange Network (Con t) Internet PIN Debit Standard Advantage Assurance Program Program Airline Transportation 0.85% + $ % + $ % + $0.01 All Other Tier I 1.00% + $ % + $ % + $0.10 All Other Tier II 0.90% + $ % + $ % + $0.10 Accel No Pin 1.55% + $ % + $ % + $0.04 ecommerce 1.65% + $ % + $ % + $0.16 Money Transfer (Send)* 0.065% + $ % + $0.18 n/a ($0.60 max) ($0.60max) Money Transfer (Receive)* 0.03% + $ % + $0.30 n/a ($0.55 max) ($0.55 max) Supermarket - Tier I 0.05% + $0.21 Supermarket - Tier II 0.05% + $0.21 Supermarket - Tier III 0.05% + $0.21 Supermarket - Tier IV 0.05% + $0.21 Supermarket Small Ticket ($15 & Under) 0.05% + $0.21 Petroleum - Tier I 0.05% + $0.21 Petroleum - Tier II 0.05% + $0.21 Petroleum - Tier III 0.05% + $0.21 Petroleum - Tier IV 0.05% + $0.21 Petroleum Small Ticket ($15 & Under) 0.05% + $0.21 All Other (Retail) - Tier I 0.05% + $0.21 All Other (Retail) Tier I - Small Ticket ($15 & Under) 0.05% + $0.21 All Other (Retail) - Tier II 0.05% + $0.21 All Other (Retail) Tier II - Small Ticket ($15 & Under) 0.05% + $0.21 All Other (Retail) - Tier III 0.05% + $0.21 All Other (Retail) Tier III - Small Ticket ($15 & Under) 0.05% + $0.21 All Other (Retail) - Tier IV 0.05% + $0.21 All Other (Retail) Tier IV - Small Ticket ($15 & Under) 0.05% + $0.21 QSR 0.05% + $0.21 QSRT Small Ticket ($15 & Under) 0.05% + $.021 PINless Bill lpaymentutility * 0.05% + $0.21 PINless Bill Payment (Telecom)* 0.05% + $0.21 PINless Bill Payment (All Other)* 0.05% + $0.21 Internet PIN Debit Airline Transportation 0.05% + $0.21 All Other Tier I 0.05% + $0.21 All Other Tier II 0.05% + $0.21 Accel No Pin 0.05% + $0.21 ecommerce 0.05% + $0.21 Money Transfer (Send)*.065% + $0.18 ($0.60max) Money Transfer (Receive)* 0.03% + $0.30 ($0.55 max) rate for all Financial Institutions who have certified to Accel that they are eligible to receive this adjustment. 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2 *Not currently supported; please contact your relationship manager with questions Alaska Option All Transactions (per transaction) POS Switch Fee $0.08 Balance Inquiries & Denied/Reversed Transactions Only Non-Monetary Fee $0.08 Supermarket $0.14 Petroleum $0.23 All Other $ There are no changes related to Durbin as there are no Issuers within the network. American Express: American Express interchange fees are normally specified in an agreement between Merchant and American Express. If interchange is settled between American Express and Bank in connection with Merchant, Bank shall assess such fees to Merchant when Armed Forces Financial Network (AFFN) POS Switch Fee $0.035 Approved Transactions (per transaction) Supermarket Tier I $0.17 $0.22 Supermarket Tier II $0.23 $0.22 Standard Merchant Interchange Fee 0.75% + $.012 ($0.90 max) 0.05% + $.021 Major Merchant Interchange Fee (<$15) 1.20% + $ % + $0.21 Major Merchant Interchange Fee (>=$15) 0.60% + $0.10 ($0.50 max) 0.05% + $0.21 Petroleum (< $15) 1.20% + $ % + $0.21 Petroleum (>= $15) 0.60% + $0.10 ($0.50 max) 0.05% + $0.21 QSR 1.15% + $ % + $0.21 ecommerce (<=$29.35) 0. 80% 0.80% ecommerce (>$29.35) 0.80% 0.05% + $0.21 PINless Debit/Bill Pay Tier I 0.65% + $0.13 ($0.55 max) 0.05% + $0.21 PINless Debit/Bill Pay Tier II 0.45% + $0.05 ($1.00 max) 0.05% + $0.21 PINless Debit/Bill Pay Tier III 0.65% + $0.13 ($1.00 max) 0.05% + $0.21 PINless Debit/Bill Pay Tier IV 0.75% + $.02 (no max) 0.05% + $0.21 (<=$50).10% + $0.01 $.10% (>$50) Standard POS Rates for and PINless Denied $0.015 $ Please note, POS Interchange will be calculated based on the transaction amount including cashback amounts and excluding surcharge amounts, when applicable, for all POS transactions. ATH Network Denied Transactions (per transaction) POS Switch Fee - ATH Debit $0.25 POS Switch Fee - EBT $0.25 POS Interchange Fee As quoted by ATH Please note, participation in the ATH Network is subject to approval by ATH and Banco Popular Carte Blanche: Carte Blanche interchange fees are normally specified in an agreement between Merchant and Carte Blanche. If interchange is settled between Carte Blanche and Bank in connection with Merchant, Bank shall assess such fees to Merchant when Cartel Network: Cartel Network is now known as the Jeanie Network, and the fees and assessments for the Jeanie Network will apply to all transactions. Credit Union 24 (CU24)/Member Access CU24 POS Switch Fee $0.03 CU24 Pre-authorization Transaction $0.03 Member Access POS Switch Fee $0.03 Member Access Pre-authorization Transaction $0.03 Approved Transactions (per transaction) Credit Union 24 (CU24)/Member Access (Con t) Trxn/month 1 Supermarket High Volume > 499,999 $ % + $0.21 Standard < 500,000 $ % + $0.21 Petroleum High Volume > 499, % + $0.12 ($0.85 max) 0.05% + $0.21 Standard < 500, % + $0.13 (no max) 0.05% + $0.21 All Other High Volume >499, % + $0.08 ($0.55 max) 0.05% + $0.21 Standard <500, % + $0.165 (no max) 0.05% + $0.21 QSR/Small Ticket 1.25% + $ % + $0.21 PINless Bill Payment Telecom/Insurance/Cable 0.45% + $0.05 ($1.00 max) Utilities $ % + $0.21 All Other Categories 0.65% + $ % + $0.21 ($1.00 max) Credit Payments $ % + $0.21 ecommerce Purchases 0.80% 0.05% + $0.21 rate for all Financial Institutions who have certified to CU24 that they are eligible to receive this adjustment. Please note, POS Interchange will be assessed only on the approved purchase amount, including the cash back portion of the transaction. Diners Club: Diners Club interchange fees are normally specified in an agreement between Merchant and Diners Club. If interchange is settled between Diners Club and Bank in connection with Merchant, Bank shall assess such fees to Merchant when Discover Card: Discover Card interchange fees are normally specified in an agreement between Merchant and Discover Card. If interchange is settled between Discover Card and Bank in connection with Merchant, Bank shall assess such fees to Merchant when Fleet One: Fleet One interchange fees are normally specified in an agreement between Merchant and Fleet One. If interchange is settled between Fleet One and Bank in connection with Merchant, Bank shall assess such fees to Merchant when incurred by Bank. Interlink POS Switch Fee 0.08% + $ ($0.035 max) Pre-Authorization Fee $0.005 Approved Transactions (per transaction) PIN Debit Business Debit Prepaid Supermarket $ % + $ % + $0.15 ($0.35 max) Petroleum 0.80% + $ % + $ % + $0.15 All Other (Retail) 0.80% + $ % + $ % + $0.15 Travel Service 1.19% + $ % + $ % + $0.15 Commercial Prepaid 2.15% + $0.10 Interlink Interregional 1.10% 1.10% 1.10% Supermarket 0.05% + $0.21 Petroleum 0.05% + $0.21 All Other (Retail) 0.05% + $0.21 Travel Service 0.05% + $0.21 Commercial Prepaid 0.05% + $0.21 Interlink Interregional 0.05% + $ $0.01 fraud prevention adjustment amount will be added to the base interchange rate for all Financial Institutions who have certified to Interlink that they are - Interlink Interregional transactions are assessed at one rate, regardless of MCC or qualifying threshold for US based transactions Page 2 of 5

3 Jeanie POS Switch Fee - Tier 1 and 2 Merchants $0.035 Pre-Authorization Fee - Tier 1 and 2 Merchants $0.035 POS Switch Fee - Tier 3 Merchants, and Petroleum $0.045 Pre-Authorization Fee - Tier 3 Merchants, and Petroleum $0.045 POS Switch Fee and Pre-Authorization Fee QSR $0.025 POS Switch Fee and Pre-Authorization Fee Pinless Bill Payment $0.04 Switch Surcharge $0.01 Trxn/Year Standard Preferred Supermarket - Tier I > 5 million $0.16 $ % + $0.21 Supermarket - Tier II 2 5 million $0.21 $ % + $0.21 Supermarket - Tier III < 2 million $0.26 $ % + $0.21 All Other (Retail) - Tier I > 5 million 0.50% + $ % + $ % + $0.10 ($0.475 max) ($0.575 max) (0.05% + $0.21 max) All Other (Retail) - Tier II 2 5 million 0.60% + $ % + $ % + $0.21 ($0.625 max) $$0.83 max) All Other (Retail) - Tier III < 2 million 0.75% + $ % + $ % + $0.21 ($9.99 max) Petroleum 0.80% + $ % + $ % + $0.21 Internet Pin Debit 1.10% + $ % + $0.21 QSR/Small Ticket 1.55% + $0.04 ($9.99 max) 0.05% + $0.21 PINless Bill Payment 0.65% + $0.11 ($2.00 max) 0.05% + $0.21 rate for all Financial Institutions who have certified to Jeanie that they are - Tier changes will be reviewed annually, based on the total Jeanie transaction volume from the preceding calendar year. Maestro POS Switch Fee $0.025 Pre-Authorization Fee $0.025 Approved Transactions (per transaction) Trxn/Year Supermarket - Tier I > 12.5 million $ % + $0.21 Supermarket - Tier II > 5.5 million $ % + $0.21 Supermarket - Tier III Standard Rates 1.05% + $0.15 ($0.35 max) 0.05% + $0.21 Convenience Tier I > 12.5 million 0.75% + $0.17 ($0.95 max) 0.05% + $0.21 Convenience Tier II > 5.5 million 0.75% + $0.17 ($0.95 max) 0.05% + $0.21 Convenience Tier III Standard Rates 0.75% + $0.17 ($0.95 max) 0.05% + $0.21 All Other (Retail) - Tier I > 12.5 million 0.50% + $0.08 ($0.50 max) 0.05% + $0.21 All Other (Retail) - Tier II > 5.5 million 0.60% + $0.12 ($0.65 max) 0.05% + $0.21 All Other (Retail) - Tier III Standard Rates 0.90% + $0.15 (no max) 0.05% + $0.21 rate for all Financial Institutions who have certified to Maestro that they are - The Minimum Annual PIN Debit transactions will be based on a merchant's October September 2010 transactions settled through the MasterCard Debit Switch. Member Access (formerly Member Access Atlantic): Supermarket $0.23 Petroleum 0.75% plus $0.14 ($0.70 max) QSR 1.25% plus $0.03 ($0.45 max) Drug Stores/Pharmacies 0.75% plus $0.15 ($0.80 max) PINless Bill Payment 0.65% plus $0.13 ($0.55 max) Approved or Denied Transactions POS Switch fee $0.028/transaction Networks (NETS) POS Switch Fee $0.04 $0.02 Pre-Authorization Fee $0.04 $0.04 Networks (NETS) (Con t) Supermarket $ % + $0.21 Petroleum 0.80% + $0.11 ($0.95 max) 0.05% + $0.21 All Other (Retail) 0.85% + $0.13 (no max) 0.05% + $0.21 QSR/Small Ticket 1.00% + $0.05 ($0.20 max) 0.05% + $0.21 Networks (NETS) con t. rate for all Financial Institutions who have certified to NetWorks that they are NYCE Switch Fees Tier Number Trxn/month 1 5,000,001 > $ ,500,001 5,000,000 $ ,000,001 2,500,000 $ ,001-1,000,000 $ PIN Transactions ,000 $ PINLess POS Transactions , % + $0.015 Pre-Authorization Transaction $ Infrastructure Assessment Fee $ Approved Transactions (per transaction) - Standard Premier Supermarket - Tier I Select $0.17 $0.18 Supermarket - Tier I $0.17 $0.24 Supermarket - Tier II $0.21 $0.27 Supermarket - Tier III $0.24 $0.29 Petroleum - Tier I Select 0.70% + $0.10 ($0.80 max) 0.70% + $0.15 ($0.85 max) Petroleum - Tier I Select < $ % + $ % + $0.03 Petroleum - Tier I 0.70% + $0.10 ($0.80 max) 0.70% + $0.15 ($0.85 max) Petroleum - Tier I < $ % + $ % + $0.03 Petroleum - Tier II 0.70% + $0.12 ($0.85 max) 0.75% + $0.15 ($0.90 max) Petroleum - Tier II < $ % + $ % + $0.03 Petroleum - Tier III 0.70% + $0.12 ($0.85 max) 0.75% + $0.15 ($0.90 max) All Other (Retail) - Tier I Select 0.55% +$0.06 ($0.49 max) 0.55% +$0.12 ($0.55 max) All Other (Retail) - Tier I Select < $ % + $ % + $0.03 All Other (Retail) - Tier I 0.55% +$0.06 ($0.50 max) 0.65% +$0.12 ($0.65 max) All Other (Retail) - Tier I < $ % + $ % + $0.03 All Other (Retail) - Tier II 0.70% + $0.10 ($0.75 max) 0.75% + $0.12 ($0.90 max) All Other (Retail) - Tier II < $ % + $ % + $0.03 All Other (Retail) - Tier III 0.75% + $ % + $0.13 QSR/Small Ticket 1.30% + $ % + $0.03 ecommerce Merchants Other Internet Merchants 0.90% + $ % + $ Standard < $15 Standard $15 and > Premier Supermarket - Tier I Select 1.00% + $0.025 $ % + $0.21 Supermarket - Tier I 1.00% + $ % + $ % + $0.21 Supermarket - Tier II 1.00% + $ % + $ % + $0.21 Supermarket - Tier III 1.00% + $ % + $ % + $0.21 Petroleum - Tier I Select 1.00% + $ % + $ % + $0.21 Petroleum - Tier I 1.00% + $ % + $ % + $0.21 Petroleum - Tier II 1.00% + $ % + $ % + $0.21 Petroleum - Tier III 1.00% + $ % + $ % + $0.21 All Other (Retail) - Tier I Select 1.00% + $ % + $ % + $0.21 All Other (Retail) - Tier I 1.00% + $ % + $ % + $0.21 All Other (Retail) - Tier II 1.00% + $ % + $ % + $0.21 All Other (Retail) - Tier III 1.00% + $ % + $ % + $0.21 QSR/Small Ticket 1.00% + $ % + $ % + $0.21 Standard < $15 or $15 and > Premier ecommerce Merchants Other Internet Merchants 0.90% + $ % + $0.10 up to max of up to max of 0.05% + $ % + $0.21 POS Debit Utility Bill Payment 0.05% + $ % + $0.21 POS Debit Non-Utility Residential Bill Payment 0.05% + $ % + $0.21 Page 3 of 5

4 NYCE (Con t) - Standard < $15 or $15 and > Premier POS Debit Education & Prescription refills Bill Payment 0.05% + $ % + $0.21 POS Debit Financial Collections Bill Payment 0.05% + $ % + $0.21 POS Debit Digital Media Subscriptions & ISP Bill Payment 0.05% + $ % + $0.21 POS Debit Telecommunications Bill Payment 0.05% + $ % + $0.21 POS Debit Cable & Satellite TV, Radio, & Insurance Bill Payment 0.05% + $ % + $0.21 Mass Transit 0.05% + $ % + $0.21 NYCE con t. rate for all Financial Institutions who have certified to NYCE that they are - Merchants that meet the NYCE requirements for Tier 1 or Tier 2 but are not currently qualified may apply for Tier 1 or Tier 2 consideration by completing the NYCE POS Interchange Retailer Designation form. POS Debit () Utility Bill Payment $0.55 $0.60 Non-Utility Residential Bill Payment 0.60% + $ % + $0.20 Education & Prescription refills Bill Payment 0.75% + $ % + $0.20 Financial Collections Bill Payment 1.35% + $ % + $0.20 Digital Media Subscriptions & ISP Bill Payment 1.00% 1.00% + $0.10 Telecommunications Bill Payment 0.45% +$ % + $0.10 ($1.75 max) ($2.00 max) Cable & Satellite TV, Radio, & Insurance Bill Payment 0.45% +$ % + $0.10 ($1.75 max) ($2.00 max) Mass Transit 0.90% + $ % + $0.10 PIN AUTHENTICATED VISA DEBIT (PAVD) POS Switch Fee 0.08% + $ ($0.035 max) Pre-Authorization Fee $0.005 Interchange Fee Category Pin Debit Prepaid Supermarket $ % + $0.15 ($0.35 max) Petroleum 0.80% + $0.15 ($0.95 max) 1.15% + $0.15 ($0.95 max) All Other (Retail) 0.80% + $ % + $0.15 Travel Service 1.19% + $ % + $0.15 Business Debit 1.70% + $0.10 Commercial Prepaid 2.15% + $ % + $0.21 PULSE Registered Merchants 0.08% + $ ($0.03 max) Unregistered Merchants Registered Rate + $0.04 ($0.07 max) PINless Bill Pay, Internet PIN debit, Account-to-Account and Person-to-Person $0.065 Pinless Ecommerce (Standard Merchants) $0.065 Pinless Ecommerce (Small Ticket Merchants) 0.08% + $ ($0.03 max) Pulse Pay Express (PINLess) ($<50) 0.10% + $0.025 Pre-Authorization Transaction $0.005 Network Security Fee Grocery, General Retail, Petroleum Small Ticket, PINless Bill Pay (Category 1), Pulse Pay Express $0.005 Internet Pin Debit, Pinless E-Commerce 0.02% Network Security Fee All Other Categories 0.01% Approved Transactions (per transaction) - Pulse Pay Pulse Pay Pulse Pay Choice Limited Supermarket $0.30 $ % + $0.15 ($0.35 max) Petroleum 0.80% + $ % + $ % + $0.15 ($0.95 max) All Other (Retail) 0.80% + $ % + $ % + $0.15 QSR/Small Ticket 1.55% + $ % + $ % + $0.05 PINless Utility Bill Pay $0.60 $0.60 $0.60 PINless Bill Pay Other 1.59% + $ % + $ % + $0.12 PULSE (Con t) - Pulse Pay Pulse Pay Pulse Pay Choice Limited PINless Bill Pay Telecom 0.65% + $ % + $ % + $0.13 ($2.00 max) ($2.00 max) ($2.00 max) Internet Pin Debit 1.20% + $ % + $ % + $0.15 Pinless E-Commerce 1.60% + $ % + $ % + $0.15 Account to Account 0.03% + $ % + $ % + $ Supermarket 0.05% + $0.21 Petroleum 0.05% + $0.21 All Other (Retail) 0.05% + $0.21 QSR/Small Ticket 0.05% + $0.21 PINless Utility Bill Pay (Category 1) 0.05% + $0.21 PINless Bill Pay Other (Category 2) 0.05% + $0.21 PINless Bill Pay Telecom (Category 3) 0.05% + $0.21 Internet Pin Debit 0.05% + $0.21 Pinless E-Commerce 0.05% + $0.21 Account to Account Transfer 0.03% + $0.10 Pulse Pay Express (PINLess) Supermarket $ % + $0.21 Petroleum 0.80% + $ % + $0.21 ($0.95 Max) All Other (Retail) 0.80% + $ % + $0.21 Small Ticket4 1.55% + $ % + $0.21 Restaurant 1.19% + $ % + $0.21 Travel/Hotel/Car Rental 1.19% + $ % + $0.21 Passenger Transport 1.19% + $ % + $0.21 E-Commerce Service Industries 0.65% + $ % + $0.21 ($2.00 max) Utility $ % + $0.21 Travel/Hotel/Car Rental Card Not Present 1.70% + $ % + $0.21 Passenger Transport Card Not Present 1.70% + $ % + $0.21 Debt Repayment 0.65% + $ % + $0.21 ($2.00 max) Key Entered Card Present 1.65% + $ % + $0.21 Mid Submission 1.75% + $ % + $0.21 Base Submission 1.90% + $ % + $0.21 rate for all Financial Institutions who have certified to Pulse that they are - Merchants registered with PULSE and in qualifying Merchant Category Codes (MCCs) will receive PULSE PAY/PULSE PAY Choice Small Ticket pricing.. - Account-to-Account Transfers are not subject to Regulation II REVOLUTION MONEY (PIN-BASED CREDIT CARD NETWORK) POS Interchange Fee 0.50% Please note, POS Interchange will be assessed on the gross transaction amount. SHAZAM NETWORK POS Switch Fee Trxn/Month Tier 1 >2,500,001 $0.040 Tier 2 500,001-2,500,000 $0.045 Tier 3 250, ,000 $0.050 Tier 4 100, ,000 $0.055 Tier ,000 $0.060 Pre-authorization Transaction See Switch Fee Tiers Above Approved Transactions Trxn/Month Supermarket - Tier I > 5,000,001 $ % + $0.21 Supermarket - Tier II 2,500,001 5,000,000 $ % + $0.21 Supermarket - Tier III 1,000,001-2,500,000 $ % + $0.21 Supermarket - Tier IV 500,001 1,000,000 $ % + $0.21 Supermarket - Tier V 1 500, % + $0.16 ($0.35 max) 0.05% + $0.21 Petroleum - Tier I >1,000, % + $ % + $0.21 Petroleum - Tier II 500,001 1,000, % + $ % + $0.21 Petroleum - Tier III 1 500, % + $ % + $0.21 All Other (Retail) - Tier I >1,000, % + $ % + $0.21 All Other (Retail) - Tier II 500,001 1,000, % + $ % + $0.21 All Other (Retail) - Tier III 1 500, % + $ % + $0.21 Page 4 of 5

5 QSR/Small Ticket 1.25% + $ % + $0.21 Internet Pin Debit 1.15% + $ % + $0.21 rate for all Financial Institutions who have certified to Shazam that they are eligible to receive this adjustment. - Effective March 18, 2014, SHAZAM is eliminating the transaction volume requirement for both SHAZAM PIN point-of-sale (POS) interchange and also the SHAZAM PIN POS tiered acquirer switch fee. This means tier assignment may be evaluated using additional factors. STAR Network Administration Fee $0.01 POS Switch Fee (1-4,999,999 transactions) $ Pre-Authorization Fee (1-4,999,999 transactions) $ POS Switch Fee (5,000,000 14,999,999 transactions) $0.025 Pre-Authorization Fee (5,000,000 14,999,999 transactions) $0.025 POS Switch Fee (15,000,000 and greater transactions) $0.02 Pre-Authorization Fee (15,000,000 and greater transactions) $0.02 RapidFlash 0.10% + $0.015 Approved Transactions - Trxn/Month Standard STAR Preferred Supermarket - Tier I > 15,000,000 $0.185 $0.21 Supermarket - Tier II 5,000,000 14,999,999 $0.23 $0.26 Supermarket - Tier III < 5,000, % + $ % + $0.25 ($0.33 max) ($0.40 max) Petroleum - Tier I >15,000, % + $ % + $0.155 Petroleum - Tier II 5,000,000 14,999, % + $ % + $0.16 Petroleum - Tier III < 5,000, % + $ % + $0.205 All Other (Retail) - Tier I > 15,000, % + $ % + $0.105 ($0.55 max) ($0.575 max) All Other (Retail) - Tier II 5,000,000 14,999, % + $ % + $0.18 ($0.80 max) ($0.83 max) All Other (Retail) - Tier III < 5,000, % + $ % + $0.25 POS Standard Bill Payment 0.60% + $ % + $0.155 ($1.50 max) ($1.575 max) - Trxn/Month Standard STAR Preferred POS Emerging Bill Payment 0.55% + $ % + $0.155 ($1.25 max) ($1.575 max) Restaurants 1.15% + $ % + $0.105 Small Ticket 1.25% + $0.15 =/< $ % + $0.225 =/< $ % + $0.185 > $ % + $0.26 > $10.00 Medical Retailer 1.20% + $0.20 =/< $ % + $0.275 =/< $ % + $0.185 > $ % + $0.26 > $15.00 Prepaid Healthcare 1.10% + $ % + $0.14 RapidFlash 1.55% + $ % + $0.04 Trxn/Month Supermarket - Tier I > 15,000, % + $0.21 Supermarket - Tier II 5,000,000 14,999, % + $0.21 Supermarket - Tier III < 5,000, % + $0.21 Petroleum - Tier I >15,000, % + $0.21 Petroleum - Tier II 5,000,000 14,999, % + $0.21 Petroleum - Tier III < 5,000, % + $0.21 All Other (Retail) - Tier I > 15,000, % + $0.21 All Other (Retail) - Tier II 5,000,000 14,999, % + $0.21 All Other (Retail) - Tier III < 5,000, % + $0.21 POS Standard Bill Payment 0.05% + $0.21 POS Emerging Bill Payment 0.05% + $0.21 Restaurants 0.05% + $0.21 Small Ticket 0.05% + $0.21 Medical Retailer 0.05% + $0.21 Prepaid Healthcare 1.10% + $0.14 RapidFlash 0.05% + $0.21 STAR (Con t) Effective November 1, 2014 Approved or Denied Transactions POS Switch Fee $ PIN-less POS Fee.10% + $0.15 Pre-Authorization Fee $ Standard Preferred POS Standard Bill Payment 0.55% + $ % + $0.155 ($1.25 max) ($1.325 max) Utilities $0.52 $0.54 Small Ticket (t $15.00) 1.55% + $ % + $0.04 > $ % + $ % + $0.26 Medical Retailer 0.80% + $ % + $0.15 PIN-less POS Transactions (Approved) $ Any Eligible Merchant 1.55% + $ % + $0.04 $ Grocery and Wholesale $0.29 $0.29 $ Petroleum 0.73% + $ % + $0.155 ($0.85 max) ($0.85 max) $ Restaurant 1.17% + $ % + $0.10 $ All Other Merchants 0.80% + $ % + $0.145 BrandView (Approved Transactions) Tier 1 5,000,000 transactions/month 0.68% + $ % + $0.09 Tier 2 2,000,000-4,999,999 transactions/month 0.85% + $ % + $0.11 Tier 3 2,000,000 transactions/month 1.06% + $ % + $0.13 PIN-less POS Transactions (Approved) $ Any Eligible Merchant 0.05% + $0.21 $ Grocery and Wholesale 0.05% + $0.21 $ Petroleum 0.05% + $0.21 $ Restaurant 0.05% + $0.21 $ All Other Merchants 0.05% + $0.21 BrandView (Approved Transactions) Tier 1 5,000,000 transactions/month N/A Tier 2 2,000,000-4,999,999 transactions/month N/A Tier 3 2,000,000 transactions/month N/A rate for all Financial Institutions who have certified to STAR that they are - Switch fees are based on a "step through" process in which the appropriate fee is paid for transactions in each tier up through the total number of transactions. Voyager Network: Approved Transactions Participant Rate 3.80% Wright Express Network: Merchant will pay any and all POS transaction fees and/or interchange fees as they are currently in effect or may be changed from time to time for each POS transaction. Automatic Clearing House ("ACH") Items: All items shall be assessed to Merchant as incurred by Bank or Bank's agent as a result of ACH items arising from Services provided to Merchant under this agreement. Other Third Party Fees: Merchant acknowledges and agrees that it shall be solely responsible for any and all other third party fees, assessments and/or penalties assessed to or incurred by Bank in connection with this Agreement. Such third party fees shall include, but shall not be limited to travel and related expenses and fees assessed by software and/or hardware providers. S:\dmps\legal\MPS Legal\Forms\Merchant\Exhibit B - Other Network Fees\Exhibit B (Jan).docx Page 5 of 5