Visa Commercial Programs

Visa Commercial Programs Current October-14 VS Manual Cash Disbursement 0.00% $2.00 0.00% $2.00 VS ATM Cash Disbursement 0.00% $0.50 0.00% $0.50 VS GSA Large Ticket 1.20% $39.00 1.20% $39.00 VS GSA G2G Program 1.65% $0.10 1.65% $0.10 VS Large Purchase Advantage Fee 1 0.70% $49.50 0.70% $49.50 VS Large Purchase Advantage Fee 2 0.60% $52.50 0.60% $52.50 VS Large Purchase Advantage Fee 3 0.50% $55.50 0.50% $55.50 VS Large Purchase Advantage Fee 4 0.40% $58.50 0.40% $58.50 Corporate Card Programs VS Corporate Card Standard 2.95% $0.10 2.95% $0.10 VS Corporate Card Electronic 2.75% $0.10 2.95% $0.10 VS Corporate Card Non-Travel Service, Level 2 2.05% $0.10 2.05% $0.10 VS Corporate Card Card Not Present 2.20% $0.10 2.65% $0.10 VS Corporate Card Retail 2.10% $0.10 2.50% $0.10 VS Corporate Card Business-to-Business 2.10% $0.10 2.55% $0.10 VS Corporate Card Electronic with Data 2.75% $0.10 2.95% $0.10 VS Corporate Card Non-Travel Service, Level 3 1.95% $0.10 1.85% $0.10 VS Corporate Card Travel Service 2.55% $0.10 2.55% $0.10 Purchasing Card Programs VS Purchasing Card Standard 2.95% $0.10 2.95% $0.10 VS Purchasing Card Electronic 2.75% $0.10 2.95% $0.10 VS Purchasing Card Non-Travel Service, Level 2 2.05% $0.10 2.05% $0.10 VS Purchasing Card Non-Travel Service, Level 3 1.95% $0.10 1.85% $0.10 VS Purchasing Card Card Not Present 2.65% $0.10 2.65% $0.10 VS Purchasing Card Retail 2.40% $0.10 2.50% $0.10 VS Purchasing Card Business-to-Business 2.40% $0.10 2.55% $0.10 VS Purchasing Card Electronic with Data 2.75% $0.10 2.95% $0.10 VS Purchasing Card Travel Service 2.45% $0.10 2.55% $0.10 VS Purchasing Large Ticket 1.45% $35.00 1.45% $35.00 Business Card Programs VS Business Card Card Not Present 2.25% $0.10 2.25% $0.10 VS Business Card Retail 2.20% $0.10 2.20% $0.10 VS Business Card Business-to-Business 2.10% $0.10 2.10% $0.10 VS Business Card Non-Travel Service, Level 2 2.05% $0.10 2.05% $0.10 VS Utility - Business Card 0.00% $1.50 0.00% $1.50 VS Business Card Standard 2.95% $0.20 2.95% $0.20 VS Business Card Electronic 2.40% $0.10 2.40% $0.10 VS Business Card Card Present Debit 1.70% $0.10 1.70% $0.10 VS Business Card Card Not Present Debit 2.45% $0.10 2.45% $0.10 VS Business Card Standard Debit 2.95% $0.10 2.95% $0.10

Business Enhanced Card Programs VS Business Enhanced Card Standard 2.95% $0.20 2.95% $0.20 VS Business Enhanced Card - Electronic 2.75% $0.15 2.75% $0.15 VS Business Enhanced Card Non-Travel Service, Level 2 2.05% $0.10 2.05% $0.10 VS Business Enhanced Card Card Not Present 2.45% $0.15 2.45% $0.15 VS Business Enhanced Card - Retail 2.30% $0.10 2.30% $0.10 VS Business Enhanced Card Business-to-Business 2.25% $0.10 2.25% $0.10 Signature Business Card Programs VS Signature Business Card Standard 2.95% $0.20 2.95% $0.20 VS Signature Business Card - Electronic 2.85% $0.20 2.85% $0.20 VS Signature Business Card Level 2 2.05% $0.10 2.05% $0.10 VS Signature Business Card Card Not Present 2.60% $0.20 2.60% $0.20 VS Signature Business Card - Retail 2.40% $0.10 2.40% $0.10 VS Signature Business Card Business-to-Business 2.40% $0.10 2.40% $0.10

Visa Consumer Programs Current October-14 VS Standard 2.70% $0.10 2.70% $0.10 VS Utility Program 0.00% $0.75 0.00% $0.75 VS EIRF 2.30% $0.10 2.30% $0.10 VS EIRF Fuel CAP 0.00% $1.10 0.00% $1.10 CPS Programs VS CPS/Charity 1.35% $0.05 1.35% $0.05 VS CPS/E-Commerce Preferred Passenger 1.70% $0.10 1.70% $0.10 VS CPS/E-Commerce Preferred Hotel & Car Rental 1.54% $0.10 1.54% $0.10 VS CPS Car Rental Card Not Present 1.54% $0.10 1.54% $0.10 VS CPS/Retail Service Station 1.15% $0.25 1.15% $0.25 VS CPS/Supermarket 1.22% $0.05 1.22% $0.05 VS CPS/Small Ticket 1.65% $0.04 1.65% $0.04 VS CPS/Retail 1.51% $0.10 1.51% $0.10 VS CPS/Retail Key Entry 1.80% $0.10 1.80% $0.10 VS CPS Hotel Card Not Present 1.54% $0.10 1.54% $0.10 VS CPS/Retail Credit Tier 1 1.43% $0.10 1.43% $0.10 VS CPS/Supermarket Credit Tier 1 1.15% $0.05 1.15% $0.05 VS CPS/Restaurant 1.54% $0.10 1.54% $0.10 VS CPS/Card Not Present 1.80% $0.10 1.80% $0.10 VS CPS/Car Rental Card Present 1.54% $0.10 1.54% $0.10 VS CPS/Hotel Card Present 1.54% $0.10 1.54% $0.10 VS CPS/Automated Fuel Dispenser (AFD) 1.15% $0.25 1.15% $0.25 VS CPS/Automated Fuel Dispenser (AFD) CAP 0.00% $1.10 0.00% $1.10 VS CPS/Retail Service Station CAP 0.00% $1.10 0.00% $1.10 VS CPS/Retail Credit Tier 2 1.47% $0.10 1.47% $0.10 VS CPS/Retail Credit Tier 3 1.51% $0.10 1.51% $0.10 VS CPS/Retail 2 1.43% $0.05 1.43% $0.05 VS CPS/Supermarket Credit Tier 2 1.20% $0.05 1.20% $0.05 VS CPS/Supermarket Credit Tier 3 1.22% $0.05 1.22% $0.05 VS CPS/Account Funding Credit 2.14% $0.10 2.14% $0.10 VS CPS/E-Commerce Basic 1.80% $0.10 1.80% $0.10 VS CPS/E-Commerce Preferred 1.80% $0.10 1.80% $0.10 CPS/Recurring Bill Payment N/A N/A 1.43% $0.05 VS CPS Rewards 1 1.65% $0.10 1.65% $0.10 VS CPS Rewards 2 1.95% $0.10 1.95% $0.10

Signature Programs VS Signature Standard 2.95% $0.20 2.95% $0.20 VS Signature - Electronic 2.85% $0.20 2.85% $0.20 VS Signature Preferred Standard 2.95% $0.10 2.95% $0.10 VS Signature Preferred Electronic 2.40% $0.10 2.40% $0.10 VS Signature Preferred Card Not Present 2.40% $0.10 2.40% $0.10 VS Signature Preferred Retail 2.10% $0.10 2.10% $0.10 VS Signature Preferred Business-to-Business 2.10% $0.10 2.10% $0.10 VS Signature Preferred Standard Fuel CAP 0.00% $1.10 0.00% $1.10 VS Signature Preferred Fuel CAP 0.00% $1.10 0.00% $1.10 VS Signature Preferred Fuel 1.15% $0.25 1.15% $0.25 Infinite Programs VS Infinite - Retail 2.10% $0.10 2.10% $0.10 VS Infinite - Card Not Present 2.40% $0.10 2.40% $0.10 VS Infinite - B2B 2.10% $0.10 2.10% $0.10 VS Infinite Fuel 1.15% $0.25 1.15% $0.25 VS Infinite Fuel CAP 0.00% $1.10 0.00% $1.10 VS Infinite - Electronic 2.40% $0.10 2.40% $0.10 VS Infinite - Standard 2.95% $0.10 2.95% $0.10 VS Infinite Standard Fuel CAP 0.00% $1.10 0.00% $1.10

Visa Debit Programs Current October-14 VS US Regulated Debit 0.05% $0.22 0.05% $0.22 VS Standard Debit 1.90% $0.25 1.90% $0.25 VS EIRF Debit 1.75% $0.20 1.75% $0.20 VS CPS/Small Ticket Regulated Debit 0.05% $0.22 0.05% $0.22 VS CPS/E-Commerce Preferred Passenger Transport Debit 1.70% $0.15 1.70% $0.15 VS CPS E-Commerce Preferred Hotel & Car Rental Debit 1.70% $0.15 1.70% $0.15 VS CPS/Service Station Debit 0.80% $0.15 0.80% $0.15 VS CPS/Retail Debit 0.80% $0.15 0.80% $0.15 VS CPS/Small Ticket Debit 1.55% $0.04 1.55% $0.04 VS CPS/Hotel & Car Rental Card Not Present Debit 1.70% $0.15 1.70% $0.15 VS CPS/Retail Key Entry Debit 1.65% $0.15 1.65% $0.15 VS CPS/Restaurant Debit 1.19% $0.10 1.19% $0.10 VS CPS/Supermarket Debit 0.00% $0.30 0.00% $0.30 VS CPS/Card Not Present Debit 1.65% $0.15 1.65% $0.15 VS CPS/Hotel & Car Rental Card Present Debit 1.19% $0.10 1.19% $0.10 VS CPS/Automated Fuel Dispenser Debit 0.80% $0.15 0.80% $0.15 VS CPS/Retail 2 Debit 0.65% $0.15 0.65% $0.15 VS CPS/Utility Debit 0.00% $0.65 0.00% $0.65 VS CPS/Account Funding Debit 1.75% $0.20 1.75% $0.20 VS CPS/E-Commerce Basic Debit 1.65% $0.15 1.65% $0.15 VS CPS/E-Commerce Preferred Debit 1.60% $0.15 1.60% $0.15 VS CPS/Debt Repayment Program 0.65% $0.15 0.65% $0.15 VS CPS/Debit Tax Payment 0.65% $0.15 0.65% $0.15 VS CPS/Debit Tax Payment CAP 0.00% $2.00 0.00% $2.00 VS CPS/Automated Fuel Dispenser CAP Debit 0.00% $0.95 0.00% $0.95 VS CPS/Service Station CAP Debit 0.00% $0.95 0.00% $0.95 VS EIRF Fuel CAP Debit 0.00% $0.95 0.00% $0.95 VS CPS/Retail 2 CAP Debit 0.00% $2.00 0.00% $2.00 VS CPS/Debt Repayment Program CAP Debit 0.00% $2.00 0.00% $2.00

Visa Prepaid Programs Current October-14 VS Standard Prepaid 1.90% $0.25 1.90% $0.25 VS EIRF Prepaid 1.80% $0.20 1.80% $0.20 VS ERIF Fuel CAP Prepaid 0.00% $0.95 0.00% $0.95 VS CPS/Supermarket Prepaid 1.15% $0.15 1.15% $0.15 VS CPS/Retail Prepaid 1.15% $0.15 1.15% $0.15 VS CPS/Card Not Present Prepaid 1.75% $0.20 1.75% $0.20 VS CPS/Hotel & Car Rental, Card Present Prepaid 1.15% $0.15 1.15% $0.15 VS CPS/Hotel & Car Rental, Card Not Present Prepaid 1.75% $0.20 1.75% $0.20 VS CPS/Automated Fuel Dispenser Prepaid 1.15% $0.15 1.15% $0.15 VS CPS/Retail 2 Prepaid 0.65% $0.15 0.65% $0.15 VS CPS/Retail Key Entry Prepaid 1.75% $0.20 1.75% $0.20 VS CPS/Account Funding Prepaid 1.80% $0.20 1.80% $0.20 VS CPS/E-Commerce Basic Prepaid 1.75% $0.20 1.75% $0.20 VS CPS/E-Commerce Preferred Prepaid 1.75% $0.20 1.75% $0.20 VS CPS/Passenger Transport E-Commerce Preferred Prepaid 1.75% $0.20 1.75% $0.20 VS CPS E-Commerce Preferred, Hotel & Car Rental Prepaid 1.75% $0.20 1.75% $0.20 VS CPS/Small Ticket Prepaid 1.60% $0.05 1.60% $0.05 VS CPS/Restaurant Prepaid 1.15% $0.15 1.15% $0.15 VS CPS/Service Station Prepaid 1.15% $0.15 1.15% $0.15 VS CPS/Supermarket Prepaid CAP 0.00% $0.35 0.00% $0.35 VS CPS/Automated Fuel Dispenser Prepaid CAP 0.00% $0.95 0.00% $0.95 VS CPS/Service Station Prepaid CAP 0.00% $0.95 0.00% $0.95 VS CPS/Retail 2 Prepaid CAP 0.00% $2.00 0.00% $2.00 VS Commercial Standard Prepaid 2.95% $0.10 2.95% $0.10 VS Commercial Retail Prepaid 2.15% $0.10 2.15% $0.10 VS Commercial Card Not Present Prepaid 2.65% $0.10 2.65% $0.10 VS Purchasing Large Ticket Prepaid 1.45% $35.00 1.45% $35.00 VS Utility Business Prepaid 0.00% $1.50 0.00% $1.50

Visa Refund Programs Current October-14 VS Consumer Return 1.76% $0.00 1.76% $0.00 VS Commercial Return 2.35% $0.00 2.35% $0.00 VS Consumer Return Debit 1.31% $0.00 1.31% $0.00 VS Return Debit and Prepaid 0.00% $0.00 0.00% $0.00 VS Return MOTO Debit 1.87% $0.00 1.87% $0.00 VS Return MOTO 2.05% $0.00 2.05% $0.00 VS Transport Return 2.33% $0.00 2.33% $0.00 VS US CV GSA PUR 1 2.35% $0.00 2.35% $0.00 VS US CV GSA PUR 2 2.15% $0.00 2.15% $0.00 VS US CV GSA PUR 3 2.00% $0.00 2.00% $0.00 VS US CV GSA PUR 4 1.80% $0.00 1.80% $0.00 VS US CV GSA PUR 5 1.80% $0.00 1.80% $0.00 VS US CV PURCH 1 2.40% $0.00 2.40% $0.00 VS US CV PURCH 2 2.30% $0.00 2.30% $0.00 VS US CV PURCH 3 2.20% $0.00 2.20% $0.00 VS US CV PURCH 4 2.00% $0.00 2.00% $0.00 VS US CV PURCH 5 1.80% $0.00 1.80% $0.00 Visa Interregional Programs 7, 8 Current October-14 VS Interregional Electronic 1.10% $0.00 1.10% $0.00 VS Interregional Issuer Chip 1.20% $0.00 1.20% $0.00 VS Interregional Acquirer Chip 1.00% $0.00 1.00% $0.00 VS Interregional Secure Electronic Commerce 1.44% $0.00 1.44% $0.00 VS Interregional Electronic Commerce Merchant 1.44% $0.00 1.44% $0.00 VS Interregional Standard 1.60% $0.00 1.60% $0.00 VS Interregional Super Premium 1.97% $0.00 1.97% $0.00 VS Interregional Regulated Debit 0.05% $0.22 0.05% $0.22 VS Interregional Premium 1.80% $0.00 1.80% $0.00 VS Interregional Business Card 2.00% $0.00 2.00% $0.00 VS Interregional Corporate Card 2.00% $0.00 2.00% $0.00 VS Interregional Purchase Card 2.00% $0.00 2.00% $0.00 VS Interregional Manual Cash 0.09% $3.60 0.09% $3.60

Visa LAC Programs Current October-14 Interregional Programs VS LAC Interregional Purchase Card 2.00% $0.00 2.00% $0.00 VS LAC Interregional Premium 1.80% $0.00 1.80% $0.00 VS LAC Interregional Electronic 1.10% $0.00 1.10% $0.00 VS LAC Interregional Electronic - Visa Electron 1.10% $0.00 1.10% $0.00 VS LAC Interregional Issuer Chip 1.20% $0.00 1.20% $0.00 VS LAC Interregional Acquirer Chip 1.00% $0.00 1.00% $0.00 VS LAC Interregional Standard 1.60% $0.00 1.60% $0.00 VS LAC Interregional Standard - Visa Electron 1.60% $0.00 1.60% $0.00 VS LAC Interregional Issuer Chip Electronic 1.20% $0.00 1.20% $0.00 VS LAC Interregional Acquirer Chip Electronic 1.00% $0.00 1.00% $0.00 VS LAC Interregional Full Chip Data 1.10% $0.00 1.10% $0.00 VS LAC Interregional Full Chip Data - Visa Electron 1.10% $0.00 1.10% $0.00 VS LAC Interregional Secure Electronic Commerce 1.44% $0.00 1.44% $0.00 VS LAC Interregional Secure Electronic Commerce - Visa Electron 1.44% $0.00 1.44% $0.00 VS LAC Interregional Electronic Commerce Merchant 1.44% $0.00 1.44% $0.00 VS LAC Interregional Electronic Commerce Merchant - Visa Electron 1.44% $0.00 1.44% $0.00 VS LAC Interregional Business Card 2.00% $0.00 2.00% $0.00 VS LAC Interregional Corporate Card 2.00% $0.00 2.00% $0.00 VS LAC Interregional Super Premium 1.97% $0.00 1.97% $0.00 VS LAC Interregional Regulated Debit 0.05% $0.20 0.05% $0.20 Intraregional Programs VS LAC Intraregional Business Card 2.00% $0.00 2.00% $0.00 VS LAC Intraregional Corporate Card 2.00% $0.00 2.00% $0.00 VS LAC Intraregional Purchase Card 2.00% $0.00 2.00% $0.00 VS LAC Intraregional Electronic 1.10% $0.00 1.10% $0.00 VS LAC Intraregional Issuer Chip 1.20% $0.00 1.20% $0.00 VS LAC Intraregional Acquirer Chip 1.00% $0.00 1.00% $0.00 VS LAC Intraregional Full Chip Data 1.10% $0.00 1.10% $0.00 VS LAC Intraregional Secure Electronic Commerce 2.00% $0.00 2.00% $0.00 VS LAC Intraregional Electronic Commerce Merchant 1.44% $0.00 1.44% $0.00 VS LAC Intraregional Standard 1.60% $0.00 1.60% $0.00 VS LAC Intraregional Premium 1.80% $0.00 1.80% $0.00 VS LAC Intraregional Super Premium 1.97% $0.00 1.97% $0.00 VS LAC Intraregional Regulated Debit 0.05% $0.22 0.05% $0.22

Visa Asia Pacific Programs Current October-14 Interregional Programs VS AP Interregional Business Card 2.00% $0.00 2.00% $0.00 VS AP Interregional Corporate Card 2.00% $0.00 2.00% $0.00 VS AP Interregional Purchase Card 2.00% $0.00 2.00% $0.00 VS AP Interregional Electronic 1.10% $0.00 1.10% $0.00 VS AP Interregional Electronic - Visa Electron 1.10% $0.00 1.10% $0.00 VS AP Interregional Issuer Chip 1.20% $0.00 1.20% $0.00 VS AP Interregional Issuer Chip Electronic 1.20% $0.00 1.20% $0.00 VS AP Interregional Acquirer Chip 1.00% $0.00 1.00% $0.00 VS AP Interregional Acquirer Chip Electronic 1.00% $0.00 1.00% $0.00 VS AP International Full Chip Data 1.10% $0.00 1.10% $0.00 VS AP Interregional Full Chip Data - Visa Electron 1.10% $0.00 1.10% $0.00 VS AP Interregional Secure Electronic Commerce 1.44% $0.00 1.44% $0.00 VS AP Interregional Secure Electronic Commerce - Visa Electron 1.44% $0.00 1.44% $0.00 VS AP Interregional Electronic Commerce Merchant 1.44% $0.00 1.44% $0.00 VS AP Interregional Electronic Commerce Merchant - Visa Electron 1.44% $0.00 1.44% $0.00 VS AP Interregional Standard 1.60% $0.00 1.60% $0.00 VS AP Interregional Standard - Visa Electron 1.60% $0.00 1.60% $0.00 VS AP Interregional Super Premium 1.97% $0.00 1.97% $0.00 VS AP Interregional Regulated Debit 0.05% $0.22 0.05% $0.22 VS AP Interregional Premium 1.80% $0.00 1.80% $0.00 Intraregional Programs VS AP Intraregional Acquirer Chip Platinum 1.75% $0.00 1.75% $0.00 VS AP Intraregional Acquirer Chip Rewards N/A N/A 1.75% $0.00 VS AP Intraregional Acquirer Chip Signature 1.92% $0.00 1.92% $0.00 VS AP Intraregional Acquirer Chip Infinite 1.92% $0.00 1.92% $0.00 VS AP Intraregional Acquirer Chip Gold 1.32% $0.00 1.32% $0.00 VS AP Intraregional Acquirer Chip 1.12% $0.00 1.12% $0.00 VS AP Intraregional Issuer Chip Platinum 1.95% $0.00 1.95% $0.00 VS AP Intraregional Issuer Chip Rewards N/A N/A 1.95% $0.00 VS AP Intraregional Issuer Chip Signature 2.12% $0.00 2.12% $0.00 VS AP Intraregional Issuer Chip Infinite 2.12% $0.00 2.12% $0.00 VS AP Intraregional Issuer Chip Gold 1.52% $0.00 1.52% $0.00 VS AP Intraregional Issuer Chip 1.32% $0.00 1.32% $0.00 VS AP Intraregional Electronic Gold Credit 1.42% $0.00 1.42% $0.00 VS AP Intraregional Electronic Gold Debit 1.42% $0.00 1.42% $0.00 VS AP Intraregional Electronic Credit 1.22% $0.00 1.22% $0.00 VS AP Intraregional Electronic Debit 1.22% $0.00 1.22% $0.00 VS AP Intraregional Secure Ecommerce Platinum 1.85% $0.00 1.85% $0.00 VS AP Intraregional Secure Ecommerce Rewards N/A N/A 1.85% $0.00 VS AP Intraregional Secure Ecommerce Signature 2.02% $0.00 2.02% $0.00 VS AP Intraregional Secure Ecommerce Infinite 2.02% $0.00 2.02% $0.00 VS AP Intraregional Secure Ecommerce Gold 1.55% $0.00 1.55% $0.00

Intraregional Programs (continued) VS AP Intraregional Secure Ecommerce 1.35% $0.00 1.35% $0.00 VS AP Intraregional Ecommerce Merchant Platinum 1.72% $0.00 1.72% $0.00 VS AP Intraregional Ecommerce Merchant Rewards N/A N/A 1.72% $0.00 VS AP Intraregional Ecommerce Merchant Signature 1.89% $0.00 1.89% $0.00 VS AP Intraregional Ecommerce Merchant Infinite 1.89% $0.00 1.89% $0.00 VS AP Intraregional Ecommerce Merchant Gold 1.42% $0.00 1.42% $0.00 VS AP Intraregional Ecommerce Merchant 1.22% $0.00 1.22% $0.00 VS AP Intraregional Recurring Payment Credit 1.16% $0.00 1.16% $0.00 VS AP Intraregional Recurring Payment Debit 1.16% $0.00 1.16% $0.00 VS AP Intraregional Standard Business Credit 2.00% $0.00 2.00% $0.00 VS AP Intraregional Standard Business Debit 2.00% $0.00 2.00% $0.00 VS AP Intraregional Standard Corporate Credit 2.00% $0.00 2.00% $0.00 VS AP Intraregional Standard Corporate Debit 2.00% $0.00 2.00% $0.00 VS AP Intraregional Standard Purchase Credit 2.00% $0.00 2.00% $0.00 VS AP Intraregional Standard Purchase Debit 2.00% $0.00 2.00% $0.00 VS AP Intraregional Standard Distribution Credit 2.00% $0.00 2.00% $0.00 VS AP Intraregional Standard Distribution Debit 2.00% $0.00 2.00% $0.00 VS AP Intraregional Standard Platinum Credit 1.85% $0.00 1.85% $0.00 VS AP Intraregional Standard Platinum Debit 1.85% $0.00 1.85% $0.00 VS AP Intraregional Standard Rewards Credit N/A N/A 1.85% $0.00 VS AP Intraregional Standard Rewards Debit N/A N/A 1.85% $0.00 VS AP Intraregional Standard Signature Credit 2.02% $0.00 2.02% $0.00 VS AP Intraregional Standard Signature Debit 2.02% $0.00 2.02% $0.00 VS AP Intraregional Standard Infinite Credit 2.02% $0.00 2.02% $0.00 VS AP Intraregional Standard Infinite Debit 2.02% $0.00 2.02% $0.00 VS AP Intraregional Standard Gold Credit 1.55% $0.00 1.55% $0.00 VS AP Intraregional Standard Gold Debit 1.55% $0.00 1.55% $0.00 VS AP Intraregional Standard Credit 1.35% $0.00 1.35% $0.00 VS AP Intraregional Standard Debit 1.35% $0.00 1.35% $0.00 VS AP Intraregional Regulated Debit 0.05% $0.22 0.05% $0.22 VS AP Intraregional Ultra High Net Standard 2.02% $0.00 2.02% $0.00 VS AP Intraregion Ultra High Net Stand Debit 2.02% $0.00 2.02% $0.00 VS AP Intraregional Ultra High Net Stand Rtn 2.02% $0.00 2.02% $0.00 VS AP Intrargn Ultra High Net Stand Debit Rtn 2.02% $0.00 2.02% $0.00

Visa Virgin Islands Domestic Programs Current October-14 VS Virgin Islands Domestic Business 2.00% $0.00 2.00% $0.00 VS Virgin Islands Domestic Corporate 2.00% $0.00 2.00% $0.00 VS Virgin Islands Domestic Purchase 2.00% $0.00 2.00% $0.00 VS Virgin Islands Domestic Infinite 1.97% $0.00 1.97% $0.00 VS Virgin Islands Domestic Signature 1.80% $0.00 1.80% $0.00 VS Virgin Islands Domestic Electronic 1.10% $0.00 1.10% $0.00 VS Virgin Islands Domestic Electronic - Visa Electron 1.10% $0.00 1.10% $0.00 VS Virgin Islands Domestic Issuer Chip 1.20% $0.00 1.20% $0.00 VS Virgin Islands Domestic Issuer Chip - Visa Electron 1.20% $0.00 1.20% $0.00 VS Virgin Islands Domestic Acquirer Chip 1.00% $0.00 1.00% $0.00 VS Virgin Islands Domestic Acquirer Chip - Visa Electron 1.00% $0.00 1.00% $0.00 VS Virgin Islands Domestic Chip Full Data 1.10% $0.00 1.10% $0.00 VS Virgin Islands Domestic Chip Full Data - Visa Electron 1.10% $0.00 1.10% $0.00 VS Virgin Islands Domestic Secure Ecommerce 1.44% $0.00 1.44% $0.00 VS Virgin Islands Domestic Secure Ecommerce - Visa Electron 1.44% $0.00 1.44% $0.00 VS Virgin Islands Domestic Ecommerce Merchant 1.44% $0.00 1.44% $0.00 VS Virgin Islands Domestic Ecommerce Merchant - Visa Electron 1.44% $0.00 1.44% $0.00 VS Virgin Islands Domestic Standard 1.60% $0.00 1.60% $0.00 VS Virgin Islands Domestic Standard - Visa Electron 1.60% $0.00 1.60% $0.00 VS Virgin Islands Domestic Regulated Debit 0.05% $0.22 0.05% $0.22

Visa Puerto Rico Domestic Programs Current October-14 VS Puerto Rico Domestic Debit Gas 0.90% $0.00 0.90% $0.00 VS Puerto Rico Domestic Credit Gas 1.00% $0.00 1.00% $0.00 VS Puerto Rico Domestic Platinum Gas 1.15% $0.00 1.15% $0.00 VS Puerto Rico Domestic Signature Gas 1.18% $0.00 1.18% $0.00 VS Puerto Rico Domestic Debit Supermarket 1.00% $0.00 1.00% $0.00 VS Puerto Rico Domestic Credit Supermarket 1.05% $0.00 1.05% $0.00 VS Puerto Rico Domestic Platinum Supermarket 1.18% $0.00 1.18% $0.00 VS Puerto Rico Domestic Signature Supermarket 1.25% $0.00 1.25% $0.00 VS Puerto Rico Domestic Debit Emerging Market 1.05% $0.00 1.05% $0.00 VS Puerto Rico Domestic Credit Emerging Market 1.10% $0.00 1.10% $0.00 VS Puerto Rico Domestic Platinum Emerging Market 1.25% $0.00 1.25% $0.00 VS Puerto Rico Domestic Signature Emerging Market 1.28% $0.00 1.28% $0.00 VS Puerto Rico Domestic Debit Retail 1 1.30% $0.00 1.30% $0.00 VS Puerto Rico Domestic Credit Retail 1 1.35% $0.00 1.35% $0.00 VS Puerto Rico Domestic Platinum Retail 1 1.85% $0.00 1.85% $0.00 VS Puerto Rico Domestic Signature Retail 1 2.00% $0.00 2.00% $0.00 VS Puerto Rico Domestic Debit Retail 2 1.25% $0.00 1.25% $0.00 VS Puerto Rico Domestic Credit Retail 2 1.30% $0.00 1.30% $0.00 VS Puerto Rico Domestic Platinum Retail 2 1.80% $0.00 1.80% $0.00 VS Puerto Rico Domestic Signature Retail 2 1.90% $0.00 1.90% $0.00 VS Puerto Rico Domestic Debit Standard 1.65% $0.00 1.65% $0.00 VS Puerto Rico Domestic Credit Standard 1.65% $0.00 1.65% $0.00 VS Puerto Rico Domestic Platinum Standard 1.85% $0.00 1.85% $0.00 VS Puerto Rico Domestic Signature Standard 2.00% $0.00 2.00% $0.00 VS Puerto Rico Domestic Debit Utility 1.05% $0.00 1.05% $0.00 VS Puerto Rico Domestic Credit Utility 1.10% $0.00 1.10% $0.00 VS Puerto Rico Domestic Platinum Utility 1.25% $0.00 1.25% $0.00 VS Puerto Rico Domestic Signature Utility 1.28% $0.00 1.28% $0.00 VS Puerto Rico Domestic Debit Warehouse 1.05% $0.00 1.05% $0.00 VS Puerto Rico Domestic Credit Warehouse 1.10% $0.00 1.10% $0.00 VS Puerto Rico Domestic Platinum Warehouse 1.25% $0.00 1.25% $0.00 VS Puerto Rico Domestic Signature Warehouse 1.28% $0.00 1.28% $0.00 VS Puerto Rico Domestic Regulated Debit 0.05% $0.22 0.05% $0.22

Visa Guam Domestic Programs Current October-14 VS Guam Domestic Electronic 1.00% $0.00 1.00% $0.00 VS Guam Domestic Electronic Business 1.85% $0.00 1.85% $0.00 VS Guam Domestic Electronic Corporate 1.85% $0.00 1.85% $0.00 VS Guam Domestic Electronic Purchase 1.85% $0.00 1.85% $0.00 VS Guam Domestic Elec Distribution 1.85% $0.00 1.85% $0.00 VS Guam Domestic Recur Payment 1.00% $0.00 1.00% $0.00 VS Guam Domestic Small Ticket 1.00% $0.00 1.00% $0.00 VS Guam Domestic Small Ticket Commercial 1.85% $0.00 1.85% $0.00 VS Guam Domestic Issuer Chip Platinum 1.95% $0.00 1.95% $0.00 VS Guam Domestic Issuer Chip Signature 1.95% $0.00 1.95% $0.00 VS Guam Domestic Issuer Chip 1.10% $0.00 1.10% $0.00 VS Guam Domestic Acquirer Chip Platinum 1.75% $0.00 1.75% $0.00 VS Guam Domestic Acquirer Chip Signature 1.75% $0.00 1.75% $0.00 VS Guam Domestic Acquirer Chip 0.90% $0.00 0.90% $0.00 VS Guam Domestic Chip Offline 1.00% $0.00 1.00% $0.00 VS Guam Domestic Chip Online 1.00% $0.00 1.00% $0.00 VS Guam Domestic Secure Ecommerce 1.65% $0.00 1.65% $0.00 VS Guam Domestic Ecommerce Merchant 1.65% $0.00 1.65% $0.00 VS Guam Domestic Standard 1.44% $0.00 1.44% $0.00 VS Guam Domestic Standard Platinum 1.85% $0.00 1.85% $0.00 VS Guam Domestic Standard Signature 1.85% $0.00 1.85% $0.00 VS Guam Domestic Standard Business 1.85% $0.00 1.85% $0.00 VS Guam Domestic Standard Corporate 1.85% $0.00 1.85% $0.00 VS Guam Domestic Standard Purchase 1.85% $0.00 1.85% $0.00 VS Guam Domestic Standard Distribution 1.85% $0.00 1.85% $0.00 VS Guam Domestic Regulated Debit 0.05% $0.22 0.05% $0.22

Footnotes: 1 2 3 4 5 6 7 8 9 Visa Corporate, Business and Purchasing card transactions at non-travel locations can qualify for the Level 2 rate if the merchant fulfills the sales tax data requirement. Tax Exempt transactions can no longer qualify for Level 2. Effective April 2012, Visa Business Debit cards are no longer eligible to receive the Level 2 rate. Corporate and Purchasing cards may also qualify at the Level 3 rate if line item detail is present (Sales tax nor Customer Code are required). Transactions must be CPS qualified with sales tax, customer code and line item detail included with the transaction, and meet specified criteria. Registration is not required. Merchants must be registered for participation. The CPS Retail 2 rate is limited to the following market segments-government (9211, 9222, or 9399) School (8211, 8220, or 8299), Insurance (5960 or 6300), Cable TV (4899), Direct Marketing Subscriptions (5968), Fuel Dealers (5983), Child Card (8351), and Charity (8398). Effective October 2011, MCCs 4814 (Telecommunication Services including, but not limited to prepaid phone services and recurring phone services) and 6315 (Real Estate Agents and Managers) are eligible to receive this rate for Consumer Debit and Prepaid card transactions ONLY. Limited to utility merchants with an MCC of 4900 and U.S. domestic transactions only. Must be registered for participation. Visa Signature Preferred card transactions will continue to qualify for the Utility rate. Visa Interregional interchange rates applicable to U.S. acquired purchase ("sale") and credit ("return/refund") transactions from U.S. merchants using a non-u.s. issued card. Does not include the Acquirer International Service Assessment (ISA) fee of 0.40% & the International Acquiring Fee (IAF) of 0.45% on all international purchase transactions acquired in the U.S. Regulated interchange rates are applicable to Consumer Debit, Consumer Prepaid, Commercial Prepaid, and Business Debit card transactions destined to regulated (non-exempt) issuers, as defined by the Federal Reserve's final rules on Debit Card Interchange Fees announced on June 29, 2011. Includes the $0.01 fraud prevention adjustment amount. Visa Performance-Based Structure for Retail/Supermarket Credit Transactions Effective April 2014 (Based on a 12 month period ending September 30) Threshold Tier Transaction Minimum / Volume Minimum I 60,000,000 / $3,900,000,000 II 37,000,000 / $2,000,000,000 III 9,900,000 / $535,000,000 Merchant Eligibility for Performance Tiered Programs - Only transactions from subsidiaries owned by that merchant as of Sept. 30, will be counted toward qualification. For example, if a company was acquired or sold in July, all of its volume from the 12 months ending Sept. 30 would count toward the threshold qualification of the new owner. - Credit performance threshold interchange reimbursement fees will not be available to any merchant that either selectively or wholly discontinues Visa credit card acceptance. - Maximum Chargeback Ratios (0.020%) are calculated as a percentage of a merchant s gross transactions count. - New store locations are required to accept the VISA product to which the performance threshold pertains, consistent with the merchant s existing location acceptance practices. - Merchants in the performance thresholds are required to remain PCI-compliant to have their transactions be eligible for performance-based interchange.