Interchange Summary April2010

This contains a compilation of information received from various sources. This information is presented solely for the convenience of the reader and should not be used as a substitute for your own research and reference to actual regulations and/or other official documents or as a substitute for consulting your legal advisor. First National Merchant Solutions, LLC and its affiliates shall not be responsible for any inaccurate, outdated or incomplete information. The information contained in this document is CONFIDENTIAL to the business and operations of First National Merchant Solutions and shall not be duplicated or disclosed in whole or in part without the prior written permission of First National Merchant Solutions. Copyright © 2010 First National Merchant Solutions, LLC. All rights reserved.

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First National Merchant Solutions,

LLC

Interchange Summary

April 2010

1

Visa April 2010

Category Rate Per ItemMax.

debit only Page #Visa Consumer Debit Card RatesCPS Account Funding Debit 1.75% $0.20 n/a 12CPS Automated Fuel Dispenser 0.75% $0.17 $0.95 12CPS Car Rental Debit 1.36% $0.15 n/a 12CPS Car Rental Card Not Present 1.36% $0.15 n/a 13CPS Card Not Present Debit 1.60% $0.15 n/a 13CPS Debit Tax Payment 1 n/a $2.50 n/a 13CPS Debit Tax Payment 2 0.00% $0.00 n/a 14CPS Debt Repayment 0.35% $0.50 n/a 14CPS E-commerce Debit Basic 1.60% $0.15 n/a 14CPS E-Commerce Car Rental Preferred Debit 1.36% $0.15 n/a 15CPS E-Commerce Hotel Preferred Debit 1.36% $0.15 n/a 15CPS E-Commerce Preferred Debit 1.55% $0.15 n/a 16CPS Hotel Debit 1.36% $0.15 n/a 16CPS Hotel Debit - Card Not Present 1.36% $0.15 n/a 17CPS Restaurant Debit 1.19% $0.10 n/a 17CPS Retail Debit 0.95% $0.20 n/a 17CPS Retail Debit Threshold I 0.62% $0.13 n/a 17CPS Retail Debit Threshold II 0.81% $0.13 n/a 18CPS Retail Debit Threshold III 0.92% $0.15 n/a 18CPS Retail Key Entry Debit 1.60% $0.15 n/a 18CPS Service Station Debit 0.75% $0.17 $0.95 18CPS Retail 2 Debit 0.80% $0.25 n/a 18CPS Small Ticket Debit 1.55% $0.04 n/a 19CPS Supermarket Debit 0.95% $0.20 $0.35 19CPS Supermarket Threshold I 0.62% $0.13 $0.35 19CPS Supermarket Threshold II 0.81% $0.13 $0.35 19CPS Supermarket Threshold III 0.92% $0.15 $0.35 19Electronic, EIRF Debit Fuel 1.75% $0.20 $0.95 19Electronic, EIRF Debit 1.75% $0.20 n/a 19Standard Debit 1.90% $0.25 n/a 20Utility Debit n/a $0.75 n/a 20Visa Consumer Credit Card RatesCPS Account Funding 2.14% $0.10 n/a 21CPS Automated Fuel Dispenser 1.15% $0.25 n/a 21CPS Car Rental Credit 1.54% $0.10 n/a 21CPS Car Rental Card Not Present Credit 1.54% $0.10 n/a 22CPS Card Not Present Credit 1.80% $0.10 n/a 22CPS E-Commerce Basic Credit 1.80% $0.10 n/a 22CPS E-Commerce Preferred Car Rental Credit 1.54% $0.10 n/a 23CPS E-Commerce Preferred Hotel Credit 1.54% $0.10 n/a 23CPS E-Commerce Preferred Credit 1.80% $0.10 n/a 24CPS Hotel Credit 1.54% $0.10 n/a 24CPS Hotel - Card Not Present 1.54% $0.10 n/a 25CPS Restaurant Credit 1.54% $0.10 n/a 25CPS Retail Credit 1.54% $0.10 n/a 25CPS Retail Credit Threshold I 1.43% $0.10 n/a 25CPS Retail Credit Threshold II 1.47% $0.10 n/a 25CPS Retail Credit Threshold III 1.51% $0.10 n/a 25CPS Retail Key Entry Credit 1.80% $0.10 n/a 25CPS Retail Service Station Credit 1.15% $0.25 n/a 26

Visa Assessments 0.0925% x Gross Sales Dollars. All rates are subject to change and include a % + per item where applicable.

2

Visa April 2010


debit only Page #CPS Retail 2 Credit 1.43% $0.05 n/a 26CPS Small Ticket Credit 1.65% $0.04 n/a 26CPS Supermarket Credit 1.24% $0.05 n/a 26CPS Supermarket Threshold I 1.15% $0.05 n/a 26CPS Supermarket Threshold II 1.20% $0.05 n/a 26CPS Supermarket Threshold III 1.22% $0.05 n/a 27EIRF Credit 2.30% $0.10 n/a 27Business to Business Signature Preferred 2.10% $0.10 n/a 27CNP Signature Preferred 2.40% $0.10 n/a 27Electronic Signature Preferred 2.40% $0.10 n/a 27Fuel Signature Preferred 1.15% $0.25 n/a 27Retail Signature Preferred 2.10% $0.10 n/a 27Standard Signature Preferred 2.95% $0.10 n/a 28Signature Electronic (EIRF) 2.30% $0.10 n/a 28Signature Card Rewards 1 1.65% $0.10 n/a 28Signature Card Rewards 2 1.95% $0.10 n/a 28Standard Credit 2.70% $0.10 n/a 28Traditional Rewards I 1.65% $0.10 n/a 28Traditional Rewards II 1.95% $0.10 n/a 28Utility Credit n/a $0.75 n/a 28Visa Commercial Card RatesCommercial B2B Business Card 2.10% $0.10 n/a 29Commercial Business Utility n/a $1.50 n/a 29Commercial Card Not Present Business Card 2.25% $0.10 n/a 29Commercial Electronic Business Card 2.40% $0.10 n/a 29Commercial Card non T&E Level II Data Business Card 2.05% $0.10 n/a 30Commercial non-T&E Level III Data - Purchasing Card 1.80% $0.10 n/a 30Commercial non T&E Level II Data- Purchasing Card 2.05% $0.10 n/a 30Commercial Retail - Business Card 2.20% $0.10 n/a 30Commercial Standard Business Card 2.95% $0.10 n/a 30Commercial B2B Corporate Card 2.10% $0.10 n/a 29Commercial Card Not Present Corporate Card 2.20% $0.10 n/a 29Commercial Electronic Corporate Card 2.25% $0.10 n/a 29Commercial non-T&E Level II Data Corporate Card 2.05% $0.10 n/a 30Commercial Retail Corporate Card 2.10% $0.10 n/a 30Commercial Standard Corporate Card 2.95% $0.10 n/a 30Commercial B2B Purchasing Card 2.10% $0.10 n/a 29Commercial Card Not Present Purchasing Card 2.55% $0.10 n/a 29Commercial Electronic Purchasing Card 2.65% $0.10 n/a 29Commercial Retail Purchasing Card 2.30% $0.10 n/a 30Commercial Standard Purchasing Card 2.95% $0.10 n/a 30Purchasing GSA Large Ticket 1.20% $39.00 n/a 30Purchasing Card Electronic with Data 2.65% $0.10 n/a 31Purchasing Card Government-to-Government 1.65% $0.10 n/a 29Purchasing Large Ticket 0.95% $35.00 n/a 31Visa Consumer Credit Credit Voucher RatesConsumer Non-Passenger Transport 1.76% n/a n/a 28Consumer MO/TO and E-Commerce 2.05% n/a n/a 28Visa Consumer Debit Credit Voucher RatesConsumer Non-Passenger Transport 1.31% n/a n/a 20Consumer MO/TO and E-Commerce 1.87% n/a n/a 20


3

Visa April 2010


debit only Page #Visa Commercial Credit Voucher RatesNon-Passenger Transport 2.24% n/a n/a 31Visa Interregional:

Business and Signature Business Card Corporate Card 1.80% n/a n/a 32Purchasing Card 1.80% n/a n/a 32Infinite Card 1.80% n/a n/a 32Signature Card 1.80% n/a n/a 32Signature Preferred Card 1.80% n/a n/a 32Secure Electronic Commerce 1.44% n/a n/a 32Secure Electronic Commerce - Electron Card 1.44% n/a n/a 33Electronic Commerce Merchant 1.44% n/a n/a 33Electronic commerce Merchant - Electron Card 1.44% n/a n/a 33Electronic 1.10% n/a n/a 33Electronic Electron Card 1.10% n/a n/a 34Issuer Chip 1.20% n/a n/a 34Isser Chip - Electron Card 1.20% n/a n/a 34Standard 1.60% n/a n/a 34Standard - Electron Card 1.60% n/a n/a 35

Visa Regional Programs:Business and Signature Business Card 1.80% n/a n/a 36Corporate Card 1.80% n/a n/a 36Purchasing Card 1.80% n/a n/a 36Infinite Card 1.80% n/a n/a 36Signature Card 1.80% n/a n/a 36Secure Electronic Commerce 1.44% n/a n/a 36Secure Electronic Commerce - Electron Card 1.44% n/a n/a 37Electronic Commerce Merchant 1.44% n/a n/a 37Electronic Commerce Merchant - Electron Card 1.44% n/a n/a 37Electronic 1.10% n/a n/a 37Electronic Electron Card 1.10% n/a n/a 38Issuer Chip 1.20% n/a n/a 38Isser Chip - Electron Card 1.20% n/a n/a 38Standard 1.60% n/a n/a 38Standard - Electron Card 1.60% n/a n/a 39

Puerto Rico:Puerto Rico Domestic Electronic:

Emerging and Small Ticket Debit (Classic, Electron, Gold) 1.05% n/a n/a 40Emerging and Small Ticket Credit (Classic, Gold) 1.10% n/a n/a 40Emerging and Small Ticket Commercial (Platinum, Commercial) 1.25% n/a n/a 40Emerging and Small Ticket Signature 1.28% n/a n/a 40

Puerto Rico Domestic Electronic Utilities: n/a n/aEmerging and Small Ticket Utilities Debit (Classic, Electron, Gold) 1.05% n/a n/a 40Emerging and Small Ticket Utilities Credit (Classic, Gold) 1.10% n/a n/a 40Emerging and Small Ticket Utilities Commercial (Platinum, Commercial) 1.25% n/a n/a 40Emerging and Small Ticket Utilities Signature 1.28% n/a n/a 40

Puerto Rico Domestic Electronic Retail Group 1: n/a n/aRetail Group 1 Debit (Classic, Electron, Gold) 1.30% n/a n/a 41Retail Group 1 Credit (Classic, Gold) 1.35% n/a n/a 41


4

Visa April 2010


debit only Page #Retail Group 1 Commercial (Platinum, Commercial) 1.85% n/a n/a 41Retail Group 1 Signature 2.00% n/a n/a 41

Puerto Rico Domestic Electronic Retail Group 2: n/a n/aRetail Group 2 Debit (Classic, Electron, Gold) 1.25% n/a n/a 41Retail Group 2 Credit (Classic, Gold) 1.30% n/a n/a 41Retail Group 2 Commercial (Platinum, Commercial) 1.80% n/a n/a 41Retail Group 2 Signature 1.90% n/a n/a 41

Puerto Rico Domestic Standard n/a n/aStandard Debit (Classic, Electron, Gold) 1.65% n/a n/a 42Standard Credit (Classic, Gold) 1.65% n/a n/a 42Standard Commercial (Platinum, Commercial) 1.85% n/a n/a 42Standard Signature 2.00% n/a n/a 42

Virgin Island DOMESTICBusiness and Signature Business Card 1.80% n/a n/a 43Corporate Card 1.80% n/a n/a 43Purchasing Card 1.80% n/a n/a 43Infinite Card 1.80% n/a n/a 43Signature Card 1.80% n/a n/a 43Secure Electronic Commerce 1.44% n/a n/a 43Secure Electronic Commerce - Electron Card 1.44% n/a n/a 43Electronic Commerce Merchant VI 1.44% n/a n/a 44Electronic Commerce Merchant - Electron Card 1.44% n/a n/a 44Electronic 1.10% n/a n/a 44Electronic - Visa Electron 1.10% n/a n/a 44Issuer Chip VI 1.20% n/a n/a 44Issuer Chip - Visa Electron VI 1.20% n/a n/a 44Standard 1.60% n/a n/a 44Standard - Electron Card 1.60% n/a n/a 45


5

MasterCard Worldwide April 2010

CategoryCore Value

RateCore

Per Item Max.

Enhanced ValueRate

Enhanced Per Item Max. Page #

Full Debit UCAF 1.15% $0.15 n/a 46Petroleum CAT/AFD Debit 0.70% $0.17 $0.95 46Emerging Market Debit 0.80% $0.25 n/a 46Key-Entered Debit 1.64% $0.16 n/a 46Restaurant Debit 1.19% $0.10 n/a 46Petroleum Service Stations Debit 0.70% $0.17 $0.95 47Small Ticket Debit 1.55% $0.04 n/a 47Small Ticket Tier 1 Debit 1.30% $0.02 47Supermarket Debit Base 1.05% $0.15 $0.35 47Supermarket Debit Tier 1 0.70% $0.15 $0.35 47Supermarket Debit Tier 2 0.83% $0.15 $0.35 47Supermarket Debit Tier 3 0.95% $0.15 $0.35 48Merchant Debit UCAF 1.05% $0.15 n/a 48Merit I Debit 1.64% $0.16 n/a 48Merit I Debit - Real Estate 1.10% n/a n/a 48Merit III Debit 1.05% $0.15 n/a 48Merit III Debit Tier 1 0.70% $0.15 n/a 48Merit III Debit Tier 2 0.83% $0.15 n/a 49Merit III Debit Tier 3 0.95% $0.15 n/a 49Service Industries (SIIP) Debit 1.15% $0.05 n/a 49Standard Debit 1.90% $0.25 n/a 49Travel Industries Premier Service (TIPS) 1.36% $0.15 n/a 49Utilities Debit n/a $0.45 49

Convenience Purchase Credit 1.90% n/a 1.90% n/a 50Merchant UCAF Credit 1.58% $0.10 1.73% $0.10 50Key-Entered Credit 1.89% $0.10 2.04% $0.10 50Supermarket Credit Base 1.48% $0.05 1.48% $0.05 50Supermarket Credit Tier 1 1.27% n/a 1.27% n/a 50Supermarket Credit Tier 2 1.32% n/a 1.32% n/a 51Supermarket Credit Tier 3 1.42% $0.05 1.42% $0.05 51Travel Industries Premier Service (TIPS) 1.58% $0.10 1.90% $0.10 51Full UCAF Credit 1.68% $0.10 1.83% $0.10 51Merit I Credit 1.89% $0.10 2.04% $0.10 51Merit I Credit - Insurance 1.43% $0.05 1.43% $0.05 52Merit I Credit - Real Estate 1.10% n/a 1.10% n/a 52Merit III Credit Base 1.58% $0.10 1.73% $0.10 52Merit III Credit Tier 1 1.43% $0.10 1.43% $0.10 52Merit III Credit Tier 2 1.48% $0.10 1.48% $0.10 52Merit III Credit Tier 3 1.55% $0.10 1.55% $0.10 52Petroleum Credit 1.90% n/a $0.95 1.90% n/a $0.95 52Public Sector Credit 1.55% $0.10 1.55% $0.10 52Service Industries (SIIP) Credit 1.15% $0.05 1.15% $0.05 53Standard Credit 2.95% $0.10 2.95% $0.10 53Utilities Credit n/a $0.65 n/a $0.65 53MasterCard Consumer Credit Card Rates World ProductsWorld Card Convenience Purchase 2.00% n/a 54World Card Full UCAF 1.83% $0.10 55

MasterCard Consumer Credit Card Rates

MasterCard Consumer Debit Card Rates

MasterCard Assessments 0.110% x Gross Sales dollars. All rates are subject to change and include a % + per item where applicable.

6


CategoryCore Value

RateCore

Per Item Max.

Enhanced ValueRate


World Card Key-Entered 2.05% $0.10 55World Card Merchant UCAF 1.73% $0.10 55World Merit I 2.05% $0.10 55World Merit I - Insurance 1.43% $0.05 55World Merit I - Real Estate 1.10% n/a 55World Merit III Base 1.73% $0.10 55World Merit III Tier 1 1.53% $0.10 56World Merit III Tier 2 1.58% $0.10 56World Merit III Tier 3 1.65% $0.10 56World Petroleum 2.00% n/a $0.95 56World Public Sector 1.55% $0.10 56World Restaurant 1.73% $0.10 56World Service Industries (SIIP) 1.15% $0.05 57World Card Standard 2.95% $0.10 57World Card Supermarket Base 1.58% $0.05 57World Card Supermarket Credit Tier 1 1.37% n/a 57World Card Supermarket Credit Tier 2 1.42% n/a 57World Card Supermarket Credit Tier 3 1.52% $0.05 57World Card T&E 2.30% $0.10 57World Card Utilities n/a $0.65 58

MasterCard Consumer Credit Card Rates World Elite Products & World High ValueWorld Elite Convenience Purchase 2.00% n/a 54World Elite Full UCAF 2.30% $0.10 54World Elite Key- Entered 2.50% $0.10 54World Elite Merchant UCAF 2.20% $0.10 55World Elite Merit I 2.50% $0.10 55World Elite Merit I - Insurance 2.20% $0.10 55World Elite Merit I - Real Estate 2.20% $0.10 55World Elite Merit III Base 2.20% $0.10 55World Elite Merit III Tier 1 2.05% $0.10 56World Elite Merit III Tier 2 2.10% $0.10 56World Elite Merit III Tier 3 2.15% $0.10 56World Elite Petroleum 2.00% n/a $0.95 56World Elite Public Sector 1.55% $0.10 56World Elite Restaurant 2.20% $0.10 56World Elite Service Industries (SIIP) 1.15% $0.05 57World Elite Standard 3.25% $0.10 57World Elite Supermarket Base 1.90% $0.05 57World Elite Supermarket Credit Tier 1 1.37% n/a 57World Elite Supermarket Credit Tier 2 1.42% n/a 57World Elite Supermarket Credit Tier 3 1.52% $0.05 57World Elite T&E 2.75% $0.10 57World Elite Utilities n/a $0.75 58World Elite T&E Large Ticket 2.00% n/a 58MasterCard Commercial Card RatesCommercial Data Rate I Business 2.65% $0.10 59Commercial Data Rate II Business 2.20% $0.10 59


7


CategoryCore Value

RateCore

Per Item Max.

Enhanced ValueRate


Commercial Data Rate II Petroleum Business 2.05% $0.10 59Commercial Data Rate III Business 1.80% $0.10 60Commercial Utilities n/a $1.50 60Commercial Face-to-Face Business 2.20% $0.10 60Commercial Face-to-Face Petroleum Business 2.05% $0.10 61Commercial Large Ticket I, II, III Business 1.25% $40.00 61Commercial Standard Business 2.95% $0.10 61Commercial T&E I Business 2.50% n/a 62Commercial T&E II Business 2.35% $0.10 62Commercial T&E III Business 2.30% $0.10 62Commercial Data Rate I Corporate 2.65% $0.10 59Commercial Data Rate II Corporate 2.15% $0.10 59Commercial Data Rate II Petroleum Corporate 2.05% $0.10 59Commercial Data Rate III Corporate 1.80% $0.10 60Commercial Face-to-Face Corporate 2.15% $0.10 60Commercial Face-to-Face Petroleum Corporate 2.05% $0.10 61Commercial Large Ticket I, II, III Corporate 1.25% $40.00 61Commercial Standard Corporate 2.95% $0.10 61Commercial T&E I Corporate 2.40% n/a 62Commercial T&E II Corporate 2.25% $0.10 62Commercial T&E III Corporate 2.20% $0.10 62Commercial Data Rate I Purchasing 2.65% $0.10 59Commercial Data Rate II Purchasing 2.40% $0.10 59Commercial Data Rate II Petroleum Purchasing 2.05% $0.10 59Commercial Data Rate III Purchasing 1.80% $0.10 60Commercial Face-to-Face Purchasing 2.40% $0.10 60Commercial Face-to-Face Petroleum Purchasing 2.05% $0.10 61Commercial Large Ticket I, II, III Purchasing 1.25% $40.00 61Commercial Standard Purchasing 2.95% $0.10 61Commercial T&E I Purchasing 2.70% n/a 62Commercial T&E II Purchasing 2.55% $0.10 62Commercial T&E III Purchasing 2.50% $0.10 62Fleet Commercial Data Rate I 2.65% $0.10 59Fleet Commercial Data Rate II 2.50% $0.10 59Fleet Commercial Data Rate II Petroleum 2.05% $0.10 59Fleet Commercial Data Rate III 1.80% $0.10 60Fleet Commercial Face to Face 2.50% $0.10 60Commercial Large Ticket I, II, III Fleet 1.25% $40.00 61Commercial Standard Fleet 2.95% $0.10 61Commercial T&E I Fleet 2.70% n/a 62Commercial T&E II Fleet 2.55% $0.10 62Commercial T&E III Fleet 2.50% $0.10 62


8


CategoryCore Value

RateCore

Per Item Max.

Enhanced ValueRate


MasterCard Corporate World & Corporate World EliteCommercial World Data Rate I 2.65% $0.10 63Commercial World Data Rate II 2.15% $0.10 63Commercial World Data Rate II Petroleum 2.05% $0.10 63Commercial World Data Rate III 1.80% $0.10 64Commercial World Face-to-Face 2.15% $0.10 64Commercial World Face-to-Face Petroleum 2.05% $0.10 64Commercial World Large Ticket I, II, III 1.25% $40.00 65Commercial World Standard 2.95% $0.10 65Commercial World T&E I 2.40% n/a 65Commercial World T&E II 2.25% $0.10 65Commercial World T&E III 2.20% $0.10 66MasterCard Business World, World Elite & Business EnhancedBusiness World Data Rate I 2.82% $0.10 63Business World Data Rate II 2.37% $0.10 63Business World Data Rate II Petroleum 2.22% $0.10 63Business World Data Rate III 1.97% $0.10 64Business World Face-to-Face 2.37% $0.10 64Business World Face-to-Face Petroleum 2.22% $0.10 64Business World Large Ticket I, II, III 1.42% $40.00 65Business World Standard 3.12% $0.10 65Business World T&E I 2.67% n/a 65Business World T&E II 2.52% $0.10 65Business World T&E III 2.47% $0.10 66Business World Elite Data Rate I 2.87% $0.10 63Business World Elite Data Rate II 2.42% $0.10 63

Business World Elite Data Rate II Petroleum 2.27% $0.10 63Business World Elite Data Rate III 2.02% $0.10 64Business World Elite Face-to-Face 2.42% $0.10 64

Business World Elite Face-to-Face Petroleum 2.27% $0.10 64Business World Elite Large Ticket I, II, III 1.47% $40.00 65Business World Elite Standard 3.17% $0.10 65Business World Elite T&E I 2.72% n/a 65Business World Elite T&E II 2.57% $0.10 65Business World Elite T&E III 2.52% $0.10 66Business Enhanced Data Rate I 2.77% $0.10 63Business Enhanced Data Rate II 2.32% $0.10 63Business Enhanced Data Rate II Petroleum 2.17% $0.10 63Business Enhanced Data Rate III 1.92% $0.10 64Business Enhanced Face-to-Face 2.32% $0.10 64

Business Enhanced Face-to-Face Petroleum 2.17% $0.10 64Business Enhanced Large Ticket I, II, III 1.37% $40.00 65Business Enhanced Standard 3.07% $0.10 65Business Enhanced T&E I 2.62% n/a 65Business Enhanced T&E II 2.47% $0.10 65


9


CategoryCore Value

RateCore

Per Item Max.

Enhanced ValueRate


Business Enhanced T&E III 2.42% $0.10 66Business Enhanced Utilities n/a $1.50 66Consumer Interregional Commercial Premium

2.00% n/a 66Consumer Interregional Commercial Premium (LAC) 2.00% n/a 66MasterCard International RatesInternational Consumer Electronic 1.10% n/a 67International Consumer Standard 1.60% 67International Electronic Full UCAF 1.54% 67International Electronic Merchant UCAF 1.44% 68International Purchasing Large Ticket 0.90% $30.00 68International Purchasing Data Rate II 1.70% n/a 69International Commercial Purchasing 2.00% n/a 69International Commercial 2.00% n/a 69Interregional Electronic Card Consumer 1.10% 69Interregional Electronic Card Commercial 1.85% 69MasterCard Consumer Credit Card, World Card Refund RatesConsumer Credit Refund Group 1 2.42% 66Consumer Credit Refund Group 2 2.09% 58 / 66Consumer Credit Refund Group 3 1.95% 58 / 66Consumer Credit Refund Group 4 1.82% 58 / 66Consumer Credit Refund Group 5 1.73% 58 / 66MasterCard Consumer Debit Card Refund Rates Consumer Debit Refund Group 1 1.72% 49Consumer Debit Refund Group 3 1.40% 49

MasterCard Corporate Card Refund RatesCorporate Refund Group 1 2.37% 53 / 62Corporate Refund Group 2 2.30% 53 / 62Corporate Refund Group 3 2.21% 53 / 62Corporate Refund Group 4 2.16% 53 / 62MasterCard Cross-border feesCross-border US charge type 6959 $0.0030Cross-border Non-US charge type 6958 $0.0040Acquirer Program Support fee assessment 0.45%


10

Discover April 2010

Category Rate & Per Item Page #

Discover PrimeCredit Rate Premium

RateRewards

RateDebit Rate

Prime Recurring Payments 1.20% + $0.05 1.20% + $0.05 1.20% + $0.05 1.20% + $0.05 70Prime Utilities 0.00% + $0.75 0.00% + $0.75 0.00% + $0.75 0.00% + $0.75 70Prime Real Estate 1.10% + $0.00 1.10% + $0.00 1.10% + $0.00 1.10% + $0.00 70Prime Insurance 1.43% + $0.05 1.43% + $0.05 1.43% + $0.05 0.80% + $0.25 70Prime Supermarkets 1.40% + $0.05 1.65% + $0.05 1.65% + $0.05 (1.02% + $0.16)

(0.00% + $0.36) 70Prime Emerging Markets 1.45% + $0.05 1.45% + $0.05 1.45% + $0.05 0.90% + $0.20 70Prime Public Services 1.50% + $0.10 1.50% + $0.10 1.50% + $0.10 0.90% + $0.20 70Prime Express Services 1.70% + $0.03 1.70% + $0.03 1.70% + $0.03 1.55% + $0.04 70Prime Petroleum 1.55% + $0.05 1.73% + $0.05 1.73% + $0.05 0.76% + $0.16 70Prime Retail 1.56% + $0.10 1.71% + $0.10 1.71% + $0.10 1.02% + $0.16 71Prime Restaurants 1.56% + $0.10 2.20% + $0.10 1.90% + $0.10 1.19% + $0.10 71Prime Hotels/Car Rentals 1.58% + $0.10 2.30% + $0.10 1.90% + $0.10 1.35% + $0.16 71Prime Card Not Present/E-Commerce 1.87% + $0.10 2.00% + $0.10 1.97% + $0.10 1.62% + $0.16 71Prime Key Entry 1.87% + $0.10 2.00% + $0.10 1.97% + $0.10 1.62% + $0.16 71Discover MidMid Submission Level 2.40% + $0.10 2.40% + $0.10 1.72% +$0.20 71Mid Submission Level Premium 2.40% + $0.10 71Discover BaseBase Submission Level 2.95% + $0.10 2.95% + $0.10 2.95% + $0.10 1.89% + $0.25 71Discover CommercialCommercial Utilities 0.00% + $1.50 71Commercial Electronic 2.30% + $0.10 72Commercial Base 2.95% + $0.10 72Discover InternationalInternational Electronic Program 1.16% + $0.00 72International Base Program 1.70% + $0.10 72Discover VoucherConsumer Core Consumer Adjustment Voucher Program 1: Direct Marketing MCCs

2.07% 2.07% 2.07% 1.80%72

Consumer Core Consumer Adjustment Voucher Program 3: Non Direct Marketing/ Passenger Transport

1.75% 1.75% 1.75% 1.35%

72International Adjustment Voucher Program 0.00% + $0.00 72Commercial Adjustment Voucher Program 2.25% + $0.00 72

The Discover rates shall only apply if First National Bank of Omaha settles payment for Discover transactions for the Merchant. 11

Visa Qualification CriteriaConsumer Debit

Interchange Program Interchange Summary Description RatePer Item Max

CPS Account Funding Debit1514, 1515

• Card not present, secure E-commerce transaction• Used when cardholder is funding brokerage and escrow accounts• Processing code value for account funding must be present in authorization data• One electronic authorization per clearing transaction• AVS required in authorization, and optional in settlement• Meets enhanced clearing data requirements• Settlement within two business days from transaction date, including: o Purchase date within one day of authorization dateo Customer service telephone number, e-mail address or URL in the descriptor city fieldo Source amount equal to authorized amounto Mail/ Telephone order/ E-commerce indicator• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

1.75% $0.20

CPS Automated Fuel Debit1594, 1595, 1597, 1598

• Card present and no verifiable cardholder identification obtained• Single electronic authorization = $1 status check• Entire magnetic stripe contents or unaltered chip data included in authorization request• Merchant name and location included in authorization – credit and debit• Transaction originates at a cardholder activated, self-service terminal connected to an AFD• Card activated terminal code (CAT) =3• Transaction date must be within one day of authorization date• Settlement within two business days from transaction date• Clearing amount must be equal to or less than $125• Meets enhanced clearing data requirements• Valid MCC: 5542 Automated Fuel Dispensers• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

0.75% $0.17 $0.95

CPS Car Rental Debit1580, 1581

• Card present, signature obtained• Entire magnetic stripe contents or unaltered chip data included in authorization request• Multiple authorizations and one reversal allowed, clearing amount must be within 15% of total authorization amount(s).• Electronic authorizations must include the following:o Estimated length of car rentalo Market-specific indicator• Settlement within two business days from transaction date, including:o Car rental check-out dateo Transaction date equal to the car rental return dateo Market-specific authorization data indicator included from authorizationo Rental Agreement numbero Total authorized amounto Indicators for ancillary charges, if applicable• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

1.36% $0.15

12



CPS Car Rental – Card Not Present1570, 1571,1580, 1581

• Card not present, signature not required • Applies to advance deposits, no-shows, or other key-entered transactions in which the length of stay or rental is more than one day and a preferred customer indicator is provided• Key entry permitted• Multiple authorizations and one reversal allowed, clearing amount must be within 15% of total authorization amount(s)• Electronic authorization must include the following:o Estimated length of stay or car rentalo Market-specific indicatoro Preferred customer indicator• Settlement within two business days of transaction date, including:o Hotel check-in or car rental check-out dateo Transaction date equal to the hotel check-out date or car rental return dateo Market-specific authorization data indicator included from authorizationo Folio number or Rental Agreement numbero Total authorized amounto Indicators for ancillary charges and/or no shows, if applicable• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

1.36% $0.15

CPS Card Not Present Debit1590, 1591

• Card not present, mail or telephone order• AVS required in auth & settlement, except for:o Non-bill payment transactions for healthcare & select developing markets or utility MCCso Bill payment trans• One electronic autho per clearing transaction – one reversal permitted to make the total authorized amount equal to the clearing amount• Purchase date (ship date/transaction date) within seven calendar days after the auth date• Meets enhanced clearing data requirements• Settle within two business days from tran date, including: o Purchase date, which is ship date up to seven days after authorizationo Customer service telephone number, e-mail address or URL in the descriptor city fieldo Order number (purchase ID or invoice number)o Mail/Telephone Order E-commerce indicator• MCCs not eligible are 5962 Direct Marketing-Travel, 5966 Direct Marketing-Outbound or 5967 Direct Marketing-Inbound • The debit rate does not apply to Visa International card products, only to U.S. domestic card products

1.60% $0.10

CPS Debit Tax Payment 1 Debit1034, 1035

• Card present and signature obtained• Only MCC 9311 is eligible• One electronic authorization per clearing transaction• Entire magnetic stripe contents or unaltered chip data included in authorization request if card is present• Authorization amount must match clearing amount exactly. • Merchant name and location must be included in authorization request • Transaction date must be within one day of authorization date• Merchant registration (MVV) code included• Transaction amount $4.00 or greater• Settlement within two business days from transaction date• Meets enhanced clearing data requirements• Additional fields required in merchant name fields for settlement• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

$2.50

13



CPS Debit Tax Payment 2 Debit1037, 1038

• Card present and signature obtained• Only MCC 9311 is eligible• One electronic authorization per clearing transaction• Entire magnetic stripe contents or unaltered chip data included in authorization request if card is present• Authorization amount must match clearing amount exactly. • Merchant name and location must be included in authorization request • Transaction date must be within one day of authorization date• Merchant registration (MVV) code included• Convenience Fees < $4.00 ($3.95 Visa limit)• Settlement within two business days from transaction date• Meets enhanced clearing data requirements• Additional fields required in merchant name fields for settlement• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

0.00% $0.00

CPS Debt Repayment1024, 1025

• Must meet CPS requirements of CPS Retail, CPS Card Not Present, CPS Retail Key Entry, CPS Electronic Commerce Basic, CPS Electronic Commerce Preferred Retail• Special condition indicator of existing debt must = y• Market specific indicator is B • Processing Code of 50, auth indicator of Y• MVV code required (registration required)• Only MCCs 6012 and 6051 are eligible• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

0.35% $0.50

CPS E-Commerce Debit Basic1584, 1585

• Card not present• Identified as an e-commerce transaction processed in a secure environment• One electronic auth/clearing transaction, one reversal permitted to make the total auth amount = to the clearing amount• AVS is required in auth & optional in settlement• Meets enhanced clearing data requirements• Purchase Date (ship date/transaction date) must be w/in 7 calendar days after the auth date • Settlement w/in 2 business days from transaction date, including: o Purchase date, which is ship date up to 7 days after authorizationo Customer service phone #, email address or URL in the descriptor city fieldo Order number (purchase ID or invoice number)o Mail/Telephone Order, E-commerce indicator• MCCs not eligible are 5962 Direct Marketing-Travel, 5966 Direct Marketing-Outbound or 5967 Direct Marketing-Inbound• The debit rate does not apply to Visa International card products, only to U.S. domestic card products• Aggregated micro-payments up to $15 must support partial auth, must pass market-specific indicator of E & meet other requirements for participation including autho indicator of Y. Single, electronic auth up to $15 aggregated purchases up to authorized amount allowed over 3 days; a single clearing transaction submitted.

1.60% $0.15

14



CPS E-Commerce Car Rental Preferred Debit1080, 1081

• Card and cardholder are not present• Identified as a secure e-commerce transaction utilizing “Verified by Visa” CAVV Service• Must receive “authentication confirmed” or “attempt” response• Multiple authorizations and one reversal allowed to make the total amount authorized=clearing amount• Authorization must include the following:o Estimated length of car rentalo Preferred customer indicatoro 3D Secure fields (CAVV, Electronic Commerce Indicator (ECI), Electronic Commerce Transaction Identifier (XID/Transtain)• Settlement within two business days from transaction date, including: o Identical car return dateo Car check-out dateo Market-Specific Authorization Data Indicator included from authorizationo Rental Agreement numbero Total authorized amounto Indicators for ancillary charges, if applicableo No show indicator, if applicableo Customer Service phone number, email address or URL in the descriptor city field• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

1.36% $0.15

CPS E-Commerce Hotel Preferred Debit1080, 1081

• Card and cardholder are not present• Identified as a secure e-commerce transaction utilizing “Verified by Visa” CAVV Service• Must receive “authentication confirmed” or “attempt” response• Multiple authorizations and one reversal allowed to make the total amount authorized=clearing amount• Authorization must include the following:o Estimated length of stayo Preferred customer indicatoro 3D Secure fields (CAVV, Electronic Commerce Indicator (ECI), Electronic Commerce Transaction Identifier (XID/Transtain)• Settlement within two business days from transaction date, including: o Identical hotel check-out o Hotel check-in dateo Market-Specific Authorization Data Indicator included from authorizationo Folio number o Total authorized amounto Indicators for ancillary charges, if applicableo No show indicator, if applicableo Customer Service phone number, email address or URL in the descriptor city field• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

1.36% $0.15

15



CPS E-Commerce Preferred Debit1054, 1055

• Card not present• Identified as a secure e-commerce transaction utilizing “Verified by Visa” CAVV service• Must receive “authentication confirmed” or “attempt” response • One electronic auth per clearing tran–one reversal permitted to make total auth amount equal to clearing amount• AVS is required in auth & optional for settlement• Auth must include:o 3D Secure fields (CAVV, ECI and XID/Transtain)• Meets enhanced clearing data requirements• Purchase Date (ship date/transaction date) must be within 7 calendar days after the auth date • Settle w/in 2 business days from tran date, including:o Purchase date, which is ship date up to 7 days after autho Customer service phone #, email address or URL in the descriptor city fieldo Order number (purchase ID or invoice number)o Total authorized amount o Mail/Telephone Order E-commerce indicator• MCCs not eligible: 5962 Direct Marketing-Travel, 5966 Direct Marketing-Outbound or 5967 Direct Marketing-Inbound • The debit rate does not apply to Visa International card products, only to U.S. domestic card products• 3-D transactions are exempt from fraud-related chargebacks

1.55% $0.15

CPS Hotel Debit1570, 1571

• Card present, signature obtained• Entire magnetic stripe contents or unaltered chip data included in authorization request• Multiple authorizations and one reversal allowed, clearing amount must be within 15% of total authorization amount(s).• Electronic authorizations must include the following:o Estimated length of stay o Market-specific indicator• Settlement within two business days from transaction date, including:o Hotel check-in dateo Transaction date equal to the hotel check-out dateo Market-specific authorization data indicator included from authorizationo Folio numbero Total authorized amounto Indicators for ancillary charges, if applicable• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

1.36% $0.15

16



CPS Hotel Debit – Card Not Present

• Card not present, signature not required • Applies to advance deposits, no-shows, or other key-entered transactions in which the length of stay or rental is more than one day and a preferred customer indicator is provided• Key entry permitted• Multiple authorizations and one reversal allowed, clearing amount must be within 15% of total authorization amount(s)• Electronic authorization must include the following:o Estimated length of stayo Market-specific indicatoro Preferred customer indicator• Settlement within two business days of transaction date, including:o Hotel check-in dateo Transaction date equal to the hotel check-out dateo Market-specific authorization data indicator included from authorizationo Folio numbero Total authorized amounto Indicators for ancillary charges and/or no shows, if applicable• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

1.36% $0.15

CPS Restaurant Debit1547, 1548

• Card present, signature required for transactions greater than $25• One electronic authorization per clearing transaction• Entire magnetic stripe contents or unaltered chip data included in authorization request • Merchant name and location must be included in authorization request – debit cards only• Transaction date must be within one day of authorization date• Settlement within two business days from transaction date• Meets enhanced clearing data requirements• Valid MCCs: 5812 Eating Places/Restaurants, 5814 Fast Food Restaurants• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

1.19% $0.10

CPS Retail Debit1560, 1561

• Card present and signature obtained• One electronic authorization per clearing transaction• Entire magnetic stripe contents or unaltered chip data included in authorization request• Authorization amount must match clearing amount exactly. MCCs exempt from this requirement are: 4124 Taxis and Limos, 5813 Bars, 7230 Beauty and Barber Shops, 7298 Health and Beauty Spas• Merchant name and location must be included in authorization request • Transaction date must be within one day of authorization date• Settlement within two business days from transaction date• Meets enhanced clearing data requirements• MCCs not eligible: 5812 Eating Places/Restaurants, 5814 Fast Food Restaurants, 5541 Service Stations, 5411 Grocery Stores/Supermarkets, 5962 Direct Marketing-Travel, 5966 Direct Marketing-Outbound, 5967 Direct Marketing-Inbound • The debit rate does not apply to Visa International card products, only to U.S. domestic card products

0.95% $0.20

CPS Retail Debit Threshold I • Performance-based minimum requirements: Threshold I - 42 million transactions, $2.5 billion volume, 0.016% debit chargeback ratio, 0.035% credit chargeback ratio, 0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS Retail Debit.

0.62% $0.13

17



CPS Retail Debit Threshold II • Performance-based minimum requirements: Threshold II - 22 million transactions, $1.2 billion volume, 0.016% debit chargeback ratio, 0.035% credit chargeback ratio, 0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS Retail Debit.

0.81% $0.13

CPS Retail Debit Threshold III1577,1578

• Performance-based minimum requirements: Threshold III - 6.7 million transactions, $350 million volume, 0.016% debit chargeback ratio, 0.035% credit chargeback ratio, 0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS Retail Debit.

0.92% $0.15

CPS Retail Key Entry Debit1510, 1511

• Cardholder present and signature obtained• Card present with key-entry due to failure in reading the magnetic stripe• Does not apply to mail/telephone order or e-commerce• One electronic authorization per clearing transaction• Meets enhanced clearing data requirements• Transaction date must be within one day of authorization date• Settlement within two business days from transaction date• Address Verification Service (AVS) with Zip Code Match (the following codes will qualify) : B, C, D, G, I, M, P, R, S, U, W, X, Y, Z• MCCs not eligible: 5542 Automated Fuel Dispensers, 5960 through 5969 Direct Marketing• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

1.60% $0.15

CPS Retail Service Station Debit1557, 1558

• Card present, signature not required for transactions less than $25• One electronic authorization per clearing transaction• Entire magnetic stripe contents or unaltered chip data included in authorization request • Merchant name and location must be included in authorization request• Authorization amount must match clearing amount exactly• Clearing amount must be equal to or less than $125• Transaction date must be within one day of authorization date• Settlement within two business days from transaction date • Meets enhanced clearing data requirements• Valid MCC: 5541 Service Stations• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

0.75% $0.17 $0.95

CPS Retail 2 Debit1530, 1531

• One electronic authorization per clearing transaction• Authorization obtained on the transaction date• Mail/Telephone order and face-to-face - settlement within three business days from transaction date • All other MCCs - settlement within two business days from transaction date• Meets enhanced clearing data requirements• Meets requirements for one of the five following CPS programs: Retail debit, Retail Key Entry debit, Card Not Present debit, E-Commerce Basic debit, or E-Commerce Preferred debit.• Valid MCCs: 9211 Court Costs, 9222 Fines-Gov’t, 9399 Gov’t Services, 8211 Elementary/Secondary Schools, 8220 Colleges/Universities, 8299 Education Services, 5960 Direct Marketing-Insurance Services, 5968 Direct Marketing-Subscriptions, 5983 Fuel Dealers, 6300 Insurance Underwriting, 4899 Cable/Satellite-and other Pay TV & Radio, 8351 Child Care, 8398 Charities• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

0.80% $0.25

18



CPS Small Ticket Debit1527, 1528

• Card present, cardholder signature is not required• One electronic authorization per clearing transaction• Transaction amount must be $15 or less• Entire magnetic stripe contents or unaltered chip data included in authorization request including merchant name and location• Transaction date must be within one day of authorization date• Settlement within two business days from transaction date• Meets enhanced clearing data requirements• Cardholder ID method can not equal unattended terminal• Valid MCCs: 4111 Commuter Transport/Ferries, 4121 Taxicabs/Limousines, 4131 Bus Lines, 4784 Tolls and Bridge fees, 5812 Eating Places/Restaurants, 5814 Fast Food Restaurants, 5994 News Dealers and News stands, 7211 Laundries, 7216 Dry Cleaners, 7338 Quick Copy Services, 7523 Parking Lots/Garages, 7542 Car Washes, 7832 Motion Pictures Theaters, 7841 Video Tape Rental Stores• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

1.55% $0.04

CPS Supermarket Debit1550, 1551, 1567, 1568

• Card present and signature obtained• One electronic authorization per clearing transaction• Entire magnetic stripe contents or unaltered chip data included in authorization request• Authorization amount must match clearing amount exactly• Merchant name and location must be included in the authorization request • Transaction date must be within one day of authorization date• Settlement within two business days from transaction date • Meets enhanced clearing data requirements• Valid Merchant Category Code (MCC): 5411 Grocery Stores/Supermarkets• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

0.95% $0.20 $0.35

CPS Supermarket Debit Threshold I

Performance-based minimum requirements: Threshold I - 42 million transactions, $2.5 billion volume, 0.016% debit chargeback ratio, 0.035% credit chargeback ratio, 0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS Supermarket Debit.

0.62% $0.13 $0.35

CPS Supermarket Debit Threshold II

• Performance-based minimum requirements: Threshold II - 22 million transactions, $1.2 billion volume, 0.016% debit chargeback ratio, 0.035% credit chargeback ratio, 0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS Supermarket Debit.

0.81% $0.13 $0.35

CPS Supermarket Debit Threshold III

• Performance-based minimum requirements: Threshold III - 6.7 million transactions, $350 million volume, 0.016% debit chargeback ratio 0.035% credit chargeback ratio, 0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS Supermarket Debit.

0.92% $0.15 $0.35

Electronic, EIRF Debit Fuel1027, 1028

• Electronic authorization• Key-entry permitted• Settlement within three business days from transaction date• MCCs 5962, 5966, 5967 are not eligible• MCCs 5541 & 5542 Only

1.75% $0.20 $0.95

Electronic, EIRF Debit1520, 1521

• One authorization per clearing transaction• Key entry permitted• Settlement within three business days from transaction date• MCCs not eligible are 5962 Direct Marketing-Travel, 5966 Direct Marketing-Outbound or 5967 Direct Marketing-Inbound• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

1.75% $0.20

19



Standard Debit1500, 1501

• Authorization Required• Settlement within 30 days of authorization.• Please note: This is the only rate available for non-secure electronic commerce transactions as well as MCCs 5962 Direct Marketing-Travel, 5966 Direct Marketing-Outbound, 5967 Direct Marketing-Inbound • The debit rate does not apply to Visa International card products, only to U.S. domestic card products

1.90% $0.25

Utility Debit1030, 1031

• Merchant Category Code must be 4900 Utilities• Registered with Visa and assigned Merchant Verification Value (MVV)• Must meet requirements for one of the following programs: CPS Retail 2, CPS Card Not Present, CPS E-Commerce Basic, CPS E-Commerce Preferred, CPS Retail Key-Entry, CPS Retail• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

$0.75

Visa Debit Refund RatesCredit Voucher Consumer Non-Passenger Transport1524, 1525

• Applies to cardholder returns on consumer cards• Applies to all merchants except passenger transport (ie: railways, airlines) and MO/TO, E-Commerce• Applies to High Risk Direct Marketing MCCs 5962,5966, 5967• The debit rate does not apply to Visa International card products, only to U.S. domestic card products

1.31%

Credit Voucher Consumer MO/TO and E-Commerce1574, 1575

• Applies to cardholder returns on consumer cards• The debit rate does not apply to Visa International card products, only to U.S. domestic card products• Excludes High Risk Direct Marketing MCCs 5962, 5966, 5967

1.87%

20

Visa Qualification CriteriaConsumer Credit

Interchange Program Interchange Summary Description RatePer Item

CPS Account Funding1214, 1215, 1216, 1516, 1517 • Card not present, secure E-commerce transaction

• Used when cardholder is funding brokerage and escrow accounts• Processing code value for account funding must be present in authorization data• One electronic authorization per clearing transaction• AVS required in authorization, and optional in settlement• Meets enhanced clearing data requirements• Settlement within two business days from transaction date, including: o Purchase date within one day of authorization dateo Customer service telephone number, e-mail address or URL in the descriptor city fieldo Source amount equal to authorized amounto Mail/ Telephone order/ E-commerce indicator

2.14% $0.10

CPS Automated Fuel Dispenser1294, 1295, 1296, 1596

• Card present and no verifiable cardholder identification obtained• Single electronic authorization = $1 status check• Entire magnetic stripe contents or unaltered chip data included in authorization request• Merchant name and location included in authorization • Transaction originates at a cardholder activated, self-service terminal connected to an AFD• Card activated terminal code (CAT) =3• Transaction date must be within one day of authorization date• Settlement within two business days from transaction date• Clearing amount must be equal to or less than $125• Meets enhanced clearing data requirements• Valid MCC: 5542 Automated Fuel Dispensers

1.15% $0.25

CPS Car Rental Credit 1280, 1281, 1282, 1582, 1583

• Card present, signature obtained• Entire magnetic stripe contents or unaltered chip data included in authorization request• Multiple authorizations and one reversal allowed, clearing amount must be within 15% of total authorization amount(s).• Electronic authorizations must include the following:o Estimated length of car rentalo Market-specific indicator• Settlement within two business days from transaction date, including:o Car rental check-out dateo Transaction date equal to the car rental return dateo Market-specific authorization data indicator included from authorizationo Rental Agreement numbero Total authorized amounto Indicators for ancillary charges, if applicable

1.54% $0.10

21



CPS Car Rental – Card Not Present1270, 1271, 1272, 1572, 1573

• Card not present, signature not required • Applies to advance deposits, no-shows, or other key-entered transactions in which the length of rental is more than one day and a preferred customer indicator is provided• Key entry permitted• Multiple authorizations and one reversal allowed, clearing amount must be within 15% of total authorization amount(s)• Electronic authorization must include the following:o Estimated length of car rentalo Market-specific indicatoro Preferred customer indicator• Settlement within two business days of transaction date, including:o Car rental check-out dateo Transaction date equal to the car rental return dateo Market-specific authorization data indicator included from authorizationo Rental Agreement numbero Total authorized amounto Indicators for ancillary charges and/or no shows, if applicable

1.54% $0.10

CPS Card Not Present Credit1290, 1291, 1292, 1592, 1593

• Card not present, mail or telephone order• AVS is required in authorization and settlement, except for:o Non-bill payment transactions for healthcare and select developing markets or utility MCCso Bill payment transactions• One electronic authorization per clearing transaction – one reversal permitted to make the total authorized amount equal to the clearing amount• Purchase date (ship date/transaction date) must be within seven calendar days after the authorization date• Meets enhanced clearing data requirements• Settlement within two business days from transaction date, including: o Purchase date, which is ship date up to seven days after authorizationo Customer service telephone number, e-mail address or URL in the descriptor city fieldo Order number (purchase ID or invoice number)o Mail/Telephone Order E-commerce indicator• MCCs not eligible are 5962 Direct Marketing-Travel, 5966 Direct Marketing-Outbound or 5967 Direct Marketing-Inbound

1.80% $0.10

CPS E-Commerce Basic Credit1284, 1285, 1286, 1586, 1587

• Card not present• Identified as an e-commerce transaction processed in a secure environment• One electronic authorization per clearing transaction – one reversal permitted to make the total authorization amount equal to the clearing amount• AVS is required in authorization, and optional in settlement• Meets enhanced clearing data requirements• Purchase Date (ship date/transaction date) must be within seven calendar days after the authorization date • Settlement within two business days from transaction date, including: o Purchase date, which is ship date up to seven days after authorizationo Customer service phone number, email address or URL in the descriptor city fieldo Order number (purchase ID or invoice number)o Mail/Telephone Order, E-commerce indicator• MCCs not eligible are 5962 Direct Marketing-Travel, 5966 Direct Marketing-Outbound or 5967 Direct Marketing-Inbound• Aggregated micro-payments up to $15 must support partial authorization, must pass market-specific indicator of E and meet other requirements for participation including autho indicator of Y. Single, electronic auth up to $15 aggregatedpurchases up to authorized amount allowed over three days; a single clearing transaction submitted.

1.80% $0.10

22



CPS E-Commerce Preferred Car Rental Credit 1380, 1381, 1382, 1082

• Card and cardholder are not present• Identified as a secure e-commerce transaction utilizing “Verified by Visa” CAVV Service• Must receive “authentication confirmed” or “attempt” response• Multiple authorizations and one reversal allowed to make the total amount authorized=clearing amount• Authorization must include the following:o Estimated length of car rentalo Preferred customer indicatoro 3D Secure fields (CAVV, Electronic Commerce Indicator (ECI), Electronic Commerce Transaction Identifier (XID/Transtain)• Settlement within two business days from transaction date, including: o Identical car return dateo Car check-out dateo Market-Specific Authorization Data Indicator included from authorizationo Rental Agreement numbero Total authorized amounto Indicators for ancillary charges, if applicableo No show indicator, if applicableo Customer Service phone number, email address or URL in the descriptor city field

1.54% $0.10

CPS E-Commerce Preferred Hotel Credit 1380, 1381, 1382, 1082

• Card and cardholder are not present• Identified as a secure e-commerce transaction utilizing “Verified by Visa” CAVV Service• Must receive “authentication confirmed” or “attempt” response• Multiple authorizations and one reversal allowed to make the total amount authorized=clearing amount• Authorization must include the following:o Estimated length of stay o Preferred customer indicatoro 3D Secure fields (CAVV, Electronic Commerce Indicator (ECI), Electronic Commerce Transaction Identifier (XID/Transtain)• Settlement within two business days from transaction date, including: o Identical hotel check-out dateo Hotel check-in dateo Market-Specific Authorization Data Indicator included from authorizationo Folio numbero Total authorized amounto Indicators for ancillary charges, if applicableo No show indicator, if applicableo Customer Service phone number, email address or URL in the descriptor city field

1.54% $0.10

23



CPS E-Commerce Preferred Credit1056, 1254, 1255, 1256

• Card not present• Identified as a secure e-commerce transaction utilizing “Verified by Visa” CAVV service• Must receive “authentication confirmed” or “attempt” response • One electronic authorization per clearing transaction – one reversal permitted to make the total authorization amount equal to the clearing amount• AVS is required in authorization and optional for settlement• Authorization must include the following:o 3D Secure fields (CAVV, ECI and XID/Transtain)• Meets enhanced clearing data requirements• Purchase Date (ship date/transaction date) must be within seven calendar days after the authorization date • Settlement within two business days from transaction date, including:o Purchase date, which is ship date up to seven days after authorizationo Customer service telephone number, e-mail address or URL in the descriptor city fieldo Order number (purchase ID or invoice number)o Total authorized amount o Mail/Telephone Order E-commerce indicator• MCCs not eligible are 5962 Direct Marketing-Travel, 5966 Direct Marketing-Outbound or 5967 Direct Marketing-InboundPlease note: 3-D transactions are exempt from fraud-related chargebacks • Aggregated micro-payments up to $15 must support partial authorization, must pass market-specific indicator of E and meet other requirements for participation including autho indicator of Y. Single, electronic auth up to $15 aggregated purchases up to authorized amount allowed over three days; a single clearing transaction submitted.

1.80% $0.10

CPS Hotel Credit1270, 1271, 1272, 1572, 1573

• Card present, signature obtained• Entire magnetic stripe contents or unaltered chip data included in authorization request• Multiple authorizations and one reversal allowed, clearing amount must be within 15% of total authorization amount(s).• Electronic authorizations must include the following:o Estimated length of stay o Market-specific indicator• Settlement within two business days from transaction date, including:o Hotel check-in dateo Transaction date equal to the hotel check-out date or car rental return dateo Market-specific authorization data indicator included from authorizationo Folio number o Total authorized amounto Indicators for ancillary charges, if applicable

1.54% $0.10

24



CPS Hotel – Card Not Present1270, 1271, 1272, 1572, 1573

• Card not present, signature not required • Applies to advance deposits, no-shows, or other key-entered transactions in which the length of stay or rental is more than one day and a preferred customer indicator is provided• Key entry permitted• Multiple authorizations and one reversal allowed, clearing amount must be within 15% of total authorization amount(s)• Electronic authorization must include the following:o Estimated length of stay o Market-specific indicatoro Preferred customer indicator• Settlement within two business days of transaction date, including:o Hotel check-in dateo Transaction date equal to the hotel check-out date o Market-specific authorization data indicator included from authorizationo Folio numbero Total authorized amounto Indicators for ancillary charges and/or no shows, if applicable

1.54% $0.10

CPS Restaurant Credit1247, 1248, 1249, 1549

• Card present, signature required for transactions greater than $25• One electronic authorization per clearing transaction• Entire magnetic stripe contents or unaltered chip data included in authorization request • Transaction date must be within one day of authorization date• Settlement within two business days from transaction date• Meets enhanced clearing data requirements• Valid MCCs: 5812 Eating Places/Restaurants, 5814 Fast Food Restaurants

1.54% $0.10

CPS Retail Credit1260, 1261, 1262, 1562, 1563

• Card present and signature obtained• One electronic authorization per clearing transaction• Entire magnetic stripe contents or unaltered chip data included in authorization request• Transaction date must be within one day of authorization date• Settlement within two business days from transaction date• Meets enhanced clearing data requirements• MCC must be non-travel service

1.54% $0.10

CPS Retail Credit Threshold I • Performance-based minimum requirements: Threshold I - 42 million transactions, $2.5 billion volume, 0.016% debit chargeback ratio, 0.035% credit chargeback ratio, 0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS Retail Credit

1.43% $0.10

CPS Retail Credit Threshold II1277, 1278

• Performance-based minimum requirements: Threshold II - 22 million transactions, $1.2 billion volume, 0.016% debit chargeback ratio, 0.035% credit chargeback ratio, 0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS Retail Credit

1.47% $0.10

CPS Retail Credit Threshold III • Performance-based minimum requirements: Threshold III - 6.7 million transactions, $350 million volume, 0.016% debit chargeback ratio 0.035% credit chargeback ratio, 0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS Retail Credit

1.51% $0.10

CPS Retail Key Entry Credit1210, 1211, 1212, 1512, 1513

• Cardholder present and signature obtained• Card present with key-entry due to failure in reading the magnetic stripe• Does not apply to mail/telephone order or e-commerce• One electronic authorization per clearing transaction• Meets enhanced clearing data requirements• Transaction date must be within one day of authorization date• Settlement within two business days from transaction date• Address Verification Service (AVS) with Zip Code Match (the following codes will qualify) : B, C, D, G, I, M, P, R, S, U, W, X, Y, Z• MCCs not eligible: 5542 Automated Fuel Dispensers, 5960 through 5969 Direct Marketing

1.80% $0.10

25



CPS Retail Service Station Credit1257, 1258, 1259, 1559

• Card present, signature not required for transactions less than $25• One electronic authorization per clearing transaction• Entire magnetic stripe contents or unaltered chip data included in authorization request • Transaction date must be within one day of authorization date• Clearing amount must be equal to or less than $125• Settlement within two business days from transaction date • Meets enhanced clearing data requirements• Valid MCC: 5541 Service Stations

1.15% $0.25

CPS Retail 2 Credit1230, 1231, 1232, 1532, 1533

• One electronic authorization per clearing transaction• Authorization obtained on the transaction date• Settlement within three business days from transaction date – for mail/ telephone order and face-to-face, all others settlement within two business days from transaction date• Meets enhanced clearing data requirements• Meets requirements for one of the five following CPS programs: Retail, Retail Key Entry, Card Not Present, E-Commerce Basic, or E-Commerce Preferred.• Valid MCCs: 9211 Court Costs, 9222 Fines-Gov’t, 9399 Gov’t Services, 8211 Elementary/Secondary Schools, 8220 Colleges/Universities, 8299 Education Services, 5960 Direct Marketing-Insurance Services, 5968 Direct Marketing-Subscriptions, 5983 Fuel Dealers, 6300 Insurance Underwriting, 4899 Cable/Satellite-and other Pay TV & Radio, 8351 Child Care, 8398 Charities

1.43% $0.05

CPS Small Ticket Credit1227, 1228, 1229, 1529

• Card present, cardholder signature is not required• One electronic authorization per clearing transaction• Transaction amount must be $15 or less• Entire magnetic stripe contents or unaltered chip data included in authorization request including merchant name and location• Transaction date must be within one day of authorization date• Settlement within two business days from transaction date• Meets enhanced clearing data requirements• Cardholder ID method can not equal unattended terminal• Valid MCCs: 4111 Commuter Transport/Ferries, 4121 Taxicabs/Limousines, 4131 Bus Lines, 4784 Tolls and Bridge fees, 5812 Eating Places/Restaurants, 5814 Fast Food Restaurants, 5994 News Dealers and News stands, 7216 Dry Cleaners, 7211 Laundries, 7216 Dry Cleaners, 7338 Quick Copy Services, 7523 Parking Lots/Garages, 7542 Car Washes, 7832 Motion Pictures Theaters, 7841 Video Tape Rental Stores, 5541 Service Station

1.65% $0.04

CPS Supermarket Credit1250, 1251, 1252, 1552, 1553

• Card present and signature obtained• One electronic authorization per clearing transaction• Entire magnetic stripe contents or unaltered chip data included in authorization request• Transaction date must be within one day of authorization date• Settlement within two business days from transaction date • Meets enhanced clearing data requirements• Valid Merchant Category Code (MCC): 5411 Grocery Stores/Supermarkets

1.24% $0.05

CPS Supermarket Credit Threshold I

Performance-based minimum requirements: Threshold I - 42 million transactions, $2.5 billion volume, 0.016% debit chargeback ratio, 0.035% credit chargeback ratio, 0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS Supermarket Credit

1.15% $0.05

CPS Supermarket Credit Threshold II

• Performance-based minimum requirements: Threshold II - 22 million transactions, $1.2 billion volume, 0.016% debit chargeback ratio, 0.035% credit chargeback ratio, 0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS Supermarket Credit

1.20% $0.05

26



CPS Supermarket Credit Threshold III

• Performance-based minimum requirements: Threshold III - 6.7 million transactions, $350 million volume, 0.016% debit chargeback ratio 0.035% credit chargeback ratio, 0.033% debit fraud ratio, 0.057% credit fraud ratio. Qualifications same as CPS Supermarket Credit

1.22% $0.05

EIRF Credit1220, 1221, 1222, 1522, 1523

• One authorization per clearing transaction• Key entry permitted• Settlement within three business days from transaction date• MCCs not eligible are 5962 Direct Marketing-Travel, 5966 Direct Marketing-Outbound or 5967 Direct Marketing-Inbound

2.30% $0.10

Business to Business Signature Preferred1Y57, 1Y58

• Visa Signature Preferred card used at Business to Business Merchant• U.S. merchant and U.S. Acquirer• Transaction must be CPS qualified • Level II data requirements are not applicable to Signature cards • Settlement within three business days from transaction date• Meets enhanced clearing data requirements• MCCs eligible: see list in commercial B2B

2.10% $0.10

CNP Signature Preferred1Y50, 1Y51

• Visa Signature Preferred card used at non-Travel Services Merchant• U.S. merchant and U.S. Acquirer• Transaction must be CPS qualified for one of the following programs: CPS Card Not Present, CPS E-Commerce Basic or Preferred, CPS Retail/2, or CPS Account Funding• Level II data requirements are not applicable to Signature cards • Settlement within three business days from transaction date• Meets enhanced clearing data requirements• MCC must be non-travel service

2.40% $0.10

Electronic Signature Preferred1Y40, 1Y41

• Visa Signature Preferred Card used at Travel Service Merchant• Transaction must be CPS qualified • Level II data requirements are not applicable to Signature cards • Settlement within three business days from transaction date• Meets enhanced clearing data requirements• MCC must be non-travel service

2.40% $0.10

Fuel Signature Preferred1Y30, 1Y31

• Card present, signature not required for transactions less than $25 (MCC 5541 only)• One electronic authorization per clearing transaction• Entire magnetic stripe contents or unaltered chip data included in authorization request • Transaction date must be within one day of authorization date• Settlement within two business days from transaction date • Meets enhanced clearing data requirements• Valid MCC: 5541 Service Stations & 5542 AFDs

1.15% $0.25

Retail Signature Preferred1Y54, 1Y55

• Visa Signature Preferred card used at non-Travel Services Merchant• U.S. merchant and U.S. Acquirer• Transaction must be CPS qualified for one of the following programs: CPS Retail, CPS Supermarket, CPS Retail Key Entry, CPS Small Ticket• Level II data requirements are not applicable to Signature cards • Settlement within three business days from transaction date• Meets enhanced clearing data requirements• MCC must be non-travel service

2.10% $0.10

27



Standard Signature Preferred1Y00, 1Y01

• Visa Signature Preferred Card used at Travel Service Merchant• Authorization• Settle within 30 days of transaction date

2.95% $0.10

Signature Electronic (EIRF)1T20, 1T21, 1T22

• Best rate for Visa Signature and Infinite card transactions from Travel Service Merchants • One authorization per clearing transaction• Key entry permitted• Settlement within three business days from transaction date• MCCs not eligible are 5962 Direct Marketing-Travel, 5966 Direct Marketing-Outbound or 5967 Direct Marketing-Inbound

2.30% $0.10

Signature Card Rewards 11340, 1341

• Must meet requirements for one of the following programs: CPS Automated Fuel Dispenser, CPS Service Station, CPS Retail Thresholds I-III, CPS Retail, CPS Supermarket Thresholds I – III, CPS Supermarket

1.65% $0.10

Signature Card Rewards 21344, 1345

• Must meet requirements for one of the following programs: CPS Card Not Present, CPS E-Commerce Basic, CPS Retail Key Entry

1.95% $0.10

Standard Credit 1200, 1201, 1202, 1502, 1503

• Authorization required• Settlement within 30 days of authorization• Please note: This is the only rate available for non-secure electronic commerce transactions as well as MCCs 5962 Direct Marketing-Travel, 5966 Direct Marketing-Outbound, 5967 Direct Marketing-Inbound

2.70% $0.10

Traditional Rewards I1300, 1301

• Must meet requirements for one of the following programs: CPS Automated Fuel Dispenser, CPS Retail Service Station Credit, CPS Retail Credit, CPS Supermarket Credit

1.65% $0.10

Traditional Rewards II1304, 1305

• Must meet requirements for one of the following programs: CPS Restaurant Credit, CPS Card Not Present, CPS E-Commerce Basic Credit, CPS E-Commerce Preferred Hotel and Car Rental Credit, CPS Hotel and Car Rental Credit, CPS Retail Key Entry Credit

1.95% $0.10

Utility Credit1032, 1330, 1331, 1332

• Merchant Category Code must be 4900 Utilities• Registered with Visa and assigned Merchant Verification Value (MVV)• Must meet requirements for one of the following programs: CPS Retail 2, CPS Card Not Present, CPS E-Commerce Basic, CPS E-Commerce Preferred, CPS Retail Key-Entry, CPS Retail

$0.75

Visa Consumer Credit Refund Rates International Issued – CREDIT ONLY• No distinction from domestic

Credit Voucher Consumer Non-Passenger Transport1224, 1225, 1226, 1526

• Applies to cardholder returns on consumer cards• Applies to all merchants except passenger transport (ie: railways, airlines) and MO/TO, E-Commerce• Applies to High Risk Direct Marketing MCCs 5962,5966, 5967

1.76%

Credit Voucher Consumer MO/TO and E-Commerce1274, 1275, 1276, 1576

• Applies to cardholder returns on consumer cards• Excludes High Risk Direct Marketing MCCs 5962, 5966, 5967

2.05%

28

Visa Qualification CriteriaCommercial Programs

Interchange Program Interchange Summary DescriptionCorporate

RateBusiness

RatePurchasing

RateCommercial Business to Business1V57, 1V58, 1V59, 1W57, 1W58, 1W59, 1X57, 1X58, 1X59

• Visa Business, Corporate or Purchasing card used at Business to Business Merchant• U.S. merchant and U.S. Acquirer• Tran must be CPS qualified • Level II data requirements are not met (either missing or failed edits) • Settle w/n two business days from tran date• Meets enhanced clearing data requirements See list of eligible MCCs below (NEC = Not elsewhere classified)

2.10% + $0.10 2.10% + $0.10 2.10% + $0.10

Eligible MCCs MCCs eligible: 0780 Landscaping & Horticultural Svcs, 5169 Chemicals & Allied Prods NEC,1799 Spcl Trade Contractors NEC, 5192 Books, Periodicals & Newspapers, 2741 Misc Publishing & Printing, 5193 Florist Supplies, Nursery Stock & Flowers, 2791 Typesetting, Plate Making & Related Svs, 5198 Paints, Varnishes & Supplies, 2842 Specialty Cleaning, Polishing & Sanitation Preps, 5199 Nondurable Goods NEC, 4214 Motor Freight Carriers & Trucking, 6300 Ins Sales, Underwriting, & Premiums, 5021 Office & Comm Furniture, 7311 Adv Svcs, 5039 Construction Materials NEC, 7333 Comm Photography, Art, & Graphics, 5044 Photographic, Photocopy, Microfilm Equip & Software, 7349 Cleaning, Maint, & Janitorial Svcs, 5046 Comm Equip NEC, 7361 Employment Agencies & Temp Help Svcs, 5047 Med, Dtl, Ophthalmic & Hospital Equip & Supplies, 7372 Computer Programming, Data Proc, & Int Sys Design Svcs,

Eligible MCCs cont'd 5051 Metal Svc Ctrs & Offices, 7375 Info Retrieval Svcs, 5065 Electrical Parts & Equip, 7379 Computer Maint, Repair & Svcs NEC, 5074 Plumbing & Hting Equip & Supplies, 7392 Mgmnt, Consulting, & PR Svcs, 5085 Indl Supplies NEC, 7399 Bus Svcs NEC, 5099 Durable Goods NEC, 7829 Motion Picture & Video Tape Prod & Dist, 5131 Piece Goods, Notions, & Other Dry Goods, 8734 Testing Labs (Non-Medical Testing), 5137 Mens, Womens & Childrens Uniforms & Comm Clothing, 8931 Acctng, Auditing, & Bookkeeping Srvcs, 5139 Comm Footwear, 8999 Prof Svcs NEC

Commercial Business Utility1637, 1638, 1639

• Merchant Category Code must be 4900 Utilities• Registered with Visa and assigned Merchant Verification Value (MVV)• Must meet requirements for one of the following programs: CPS Card Not Present, CPS E-Commerce Basic, CPS E-Commerce Preferred, CPS Retail Key-Entry, CPS RetailIf the transaction fails CPS and existing Level 2 requirements are met the transaction will qualify for Visa Business electronic.If the transaction fails CPs and existing Level 2 requirements are NOT met the transaction will qualify for Visa Business standard.

$1.50

GSA Government-to-Government1738

• Visa GSA Purchase Card (BIN 471600-471699 and 448600-448699)• CPS requirements met• MVV required• MCCs 9399 and 9402 only• US transactions only

1.65% + $0.10

Commercial Card Not Present1V50, 1V51, 1V52, 1W50, 1W51, 1W52, 1X50, 1X51, 1X52

• Visa Business, Corporate or Purchasing card used at non-Travel Services Merchant• U.S. merchant and U.S. Acquirer• Transaction must be CPS qualified for one of the following programs: CPS Card Not Present, CPS E-Commerce Basic or Preferred, CPS Retail/2, or CPS Account Funding• Level II data requirements are not met (either missing or failed edits) • Settlement within three business days from transaction date• Meets enhanced clearing data requirements• MCC must be non-travel service

2.20% + $0.10 2.25% + $0.10 2.55% + $0.10

Commercial Electronic1640, 1641, 1642, 1647, 1648, 1649, 1740, 1741, 1742

• Meets CPS requirements but no level II data provided, or meets level II and /or III requirements but not CPS requirements. • Settlement within three business days from transaction date• Meets enhanced clearing data requirements• Lodging/car rental transactions require additional lodging/car rental data

2.25% + $0.10 2.40% + $0.10 2.65% + $0.10

29



RateBusiness

RatePurchasing

RateCommercial Non T&E Level lII1794, 1795, 1796

• U.S. merchant and U.S. Acquirer• Applies to Purchasing or Fleet Cards only• Key entry permitted• One electronic authorization per clearing transaction• Transaction must be CPS qualified (CPS Retail, Retail Key-Entry, Retail 2, Card Not Present, E-Commerce Basic or Preferred – Debit or Credit)• The following enhanced clearing data must be provided:o Level III Data (data requirements include message identifier, summary detail, line item detail)• For Visa Purchasing at fuel merchants:o Level III Data (data requirements include message identifier, summary detail, line item detail)• For Visa Fleet Purchasing at fuel merchants:o Level II Data (data requirements include customer code)o Level III Data (data requirements include additional fleet fuel data)• Settlement within three business days from transaction date• MCC must be non-travel service

1.80% + $0.10

Commercial Non T&E Level II1624, 1625, 1626, 1694, 1695, 1696, 1724, 1725, 1726

• U.S. merchant and U.S. Acquirer• Key entry permitted• One electronic auth per clearing tran• Tran must be CPS qualified• Enhanced clearing data must be provided: • For Visa Business, Corporate & Purchasing at non-fuel merchants:o Level II Data (sales tax amount, sales tax indicator)• For Visa Business & Corporate at fuel merchants:o Level II Data (sales tax amount, sales tax indicator)• For Visa Purchasing at fuel merchants:o Level II Data (customer code)• For Visa Fleet Purchasing at fuel merchants: o Level II Data (data requirements include customer code & additional fleet fuel data)• Sales tax indicator must equal “1” (tax amount provided) & sales tax amount must be between 0.1% and 22% of the transaction amount. Tax-exempt transactions will not qualify• Settle within three business days from transaction date• MCC must be non-travel service

2.05% + $0.10 2.05% + $0.10 2.05% + $0.10

Commercial Retail1V54, 1V55, 1V56, 1W54, 1W55, 1W56, 1X54, 1X55, 1X56

• Visa Business, Corporate or Purchasing card used at non-Travel Services Merchant• U.S. merchant and U.S. Acquirer• Transaction must be CPS qualified for one of the following programs: CPS Retail, CPS Supermarket, CPS Retail Key Entry, CPS Small Ticket, CPS Automated Fuel, CPS Service Station • Level II data requirements are not met (either missing or failed edits) • Fleet Cards at Fuel merchants: Must supply Level II data (customer code) and additional fuel data if not CPS qualified. • Settlement within two business days from transaction date• Meets enhanced clearing data requirements• MCC must be non-travel service

2.10% + $0.10 2.20% + $0.10 2.30% + $0.10

Commercial Standard1600, 1601, 1602, 1607, 1608, 1609, 1707, 1708, 1709

• Authorization• Settle within 30 days of transaction date

2.95% + $0.10 2.95% + $0.10 2.95% + $0.10

Purchasing GSA Large Ticket1771

• Government Services Agency (GSA) Purchasing Cards. (BIN Ranges 471600 to 471699 and 448600 to 448699)• Meet CPS qualifications• Provide Level III data (line item detail) • MCC must be non-travel service• US Transactions Only

1.20% + $39

30



RateBusiness

RatePurchasing

RatePurchase Card Electronic with Data1747, 1748, 1749

• Non GSA Purchasing card• Meets Level III data requirements but not CPS requirements • Settlement within three business days from transaction date• Meets enhanced clearing data requirements

2.65% + $0.10

Purchasing Large Ticket1731

• Non-GSA BIN Range• Registration required• Meet CPS qualifications• Provide Level II data (sales tax & customer code) and Level III data (line item detail) • Settlement within eight business days from transaction date• Merchant Verification Value (MVV) must be present, valid and match the MVV registered with Visa• MCC must be non-travel service

0.95% + $35

Visa Commercial Refund RatesNon-Passenger Transport1664, 1665,1666,1764, 1765, 1766, 1Y64,1Y65, 1Y66

• Applies to cardholder returns on commercial cards 2.24%

31

Visa Qualification CriteriaInterregional Programs

Interchange ProgramInterchange Summary Description

PRODUCT SPECIFIC PROGRAM ONLYRate

Business and Signature Business Card Corporate Card1604, 1605

Product Specific Commercial - must be card listed onlyU.S. Merchant & Non U.S. Issuer = InterregionalU.S. Territory Merchant & Issuer is other than LAC = InterregionalCard presentAuthorizationSettlement within three business days from transaction date 1.80%

Purchasing Card1704, 1705


Infinite Card1312


Signature Card1319


Signature Preferred Card1Y76


Secure Electronic Commerce1U66, 1066

U.S. Merchant & Non U.S. Issuer = InterregionalU.S. Territory Merchant & Issuer is other than LAC = InterregionalNOTE: Merchant locations for LAC US territories is Puerto Rico and U.S. Virgin IslandsCard not presentPOS Entry must be 01MOTO ECI indicator must be 5Must be secure e-commerce utilizing Verified by Visa Must have valid CAVV responseAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements

1.44%

32




Secure Electronic Commerce -Electron Card1067


1.44%Electronic Commerce Merchant1U76, 1076


1.44%Electronic Commerce Merchant - Electron Card1077


1.44%Electronic1236

U.S. Merchant & Non U.S. Issuer = InterregionalU.S. Territory Merchant & Issuer is other than LAC = InterregionalNOTE: Merchant locations for LAC US territories is Puerto Rico and U.S. Virgin IslandsCard presentPOS Entry Mode must be 05,07,90 or 91POS Terminal Capability Code must not = 5AuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements

1.10%

33




Electronic Electron Card1536

U.S. Merchant & Non U.S. Issuer = InterregionalU.S. Territory Merchant & Issuer is other than LAC = InterregionalNOTE: Merchant locations for LAC US territories is Puerto Rico and U.S. Virgin IslandsCard presentPOS Entry Mode must be 05,07,90 or 91POS Terminal Capability Code must not = 5AuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements

1.10%Issuer Chip 1U36

U.S. Merchant & Non U.S. Issuer = InterregionalU.S. Territory Merchant & Issuer is other than LAC = InterregionalNOTE: Merchant locations for LAC US territories is Puerto Rico and U.S. Virgin IslandsCard presentPOS Entry Mode must be 90 or 91POS Terminal Capability Code must not = 5Must qualify for Electronic Program to be eligible Issuer must be identified on the ARDEF to receive this rateAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements

1.20%Isser Chip - Electron Card 1U37

U.S. Merchant & Non U.S. Issuer = InterregionalU.S. Territory Merchant & Issuer is other than LAC = InterregionalNOTE: Merchant locations for LAC US territories is Puerto Rico and U.S. Virgin IslandsCard presentPOS Entry Mode must be 90 or 91POS Terminal Capability Code must not = 5Must qualify for Electronic Program to be eligible Issuer must be identified on the ARDEF to receive this rateAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements

1.20%Standard1206, 1506

U.S. Merchant & Non U.S. Issuer = InterregionalU.S. Territory Merchant & Issuer is other than LAC = InterregionalNOTE: Merchant locations for LAC US territories is Puerto Rico and U.S. Virgin IslandsCard presentAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements

1.60%

34




Standard - Electron Card1537

U.S. Merchant & Non U.S. Issuer = InterregionalU.S. Territory Merchant & Issuer is other than LAC = InterregionalNOTE: Merchant locations for LAC US territories is Puerto Rico and U.S. Virgin IslandsCard presentAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements

1.60%

35

Visa Qualification CriteriaRegional Programs

Interchange Program Interchange Summary Description RateBusiness and Signature Business Card1V02

Product Specific Commercial – must be listed card onlyU.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location)= RegionalCard presentAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements 1.80%

Corporate Card1X02


Purchasing Card 1W02


Infinite Card1312

Product Specific Consumer – must be listed card onlyU.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location)= RegionalCard presentAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements 1.80%

Signature Card1T02

Product Specific Consumer – must be listed card onlyU.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location)= RegionalVI Merchant & VI Issuer = VI DomesticCard presentAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements 1.80%

Secure Electronic Commerce1U02

U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location) =RegionalNOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands, U.S. Virgin IslandsCard not presentPOS Entry Mode must be 01MOTO ECI indicator must be 5Must be secure e-commerce utilizing Verified by Visa Must have valid CAVV responseAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements 1.44%

36


Interchange Program Interchange Summary Description RateSecure Electronic Commerce - Electron Card1067

U.S. Merchant & Non U.S. Issuer = InterregionalU.S. Territory Merchant & Issuer is other than LAC = InterregionalNOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands, U.S. Virgin IslandsCard not presentPOS Entry must be 01MOTO ECI indicator must be 5Must be secure e-commerce utilizing Verified by Visa Must have valid CAVV responseAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements 1.44%

Electronic Commerce Merchant1U06

U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location) =RegionalVI Merchant & VI Issuer = VI DomesticNOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands, U.S. Virgin IslandsCard not presentPOS Entry Mode must be 01MOTO ECI indicator must be 6Must be secure e-commerce utilizing Verified by Visa Must have valid CAVV responseAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements

1.44%Electronic Commerce Merchant - Electron Card1077

U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location) =RegionalNOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands, U.S. Virgin IslandsCard not presentPOS Entry Mode must be 01MOTO ECI indicator must be 6Must be secure e-commerce utilizing Verified by Visa Must have valid CAVV responseAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements 1.44%

Electronic1236

U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location) =RegionalNOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands, U.S. Virgin IslandsCard presentPOS Entry Mode must be 05,07,90 or 91POS Terminal Capability Code must not = 5AuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements 1.10%

37


Interchange Program Interchange Summary Description RateElectronic Electron Card1536

U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location) =RegionalNOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands, U.S. Virgin IslandsCard presentPOS Entry Mode must be 05,07,90 or 91POS Terminal Capability Code must not = 5AuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements 1.10%

Issuer Chip 1U32

U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location) =RegionalNOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands, U.S. Virgin IslandsCard presentPOS Entry Mode must be 90 or 91POS Terminal Capability Code must not = 5Must qualify for Electronic Program to be eligible Issuer must be identified on the ARDEF to receive this rateAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements 1.20%

Isser Chip - Electron Card 1U37

U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location) =RegionalNOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands, U.S. Virgin IslandsCard presentPOS Entry Mode must be 90 or 91POS Terminal Capability Code must not = 5Must qualify for Electronic Program to be eligible Issuer must be identified on the ARDEF to receive this rateAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements 1.20%

Standard1206, 1506

U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location) =RegionalNOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands, U.S. Virgin IslandsCard presentAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements 1.60%

38


Interchange Program Interchange Summary Description RateStandard - Electron Card1537

U.S. Territory Merchant & Non U.S. Issuer (in LAC Region but not merchant location) =RegionalNOTE: Merchant location in U.S. territories – American Samoa, Guam, Marshall Islands, Northern Mariana Islands, Palau, Puerto Rico, U.S. Minor Outlying Islands, U.S. Virgin IslandsCard presentAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements 1.60%

39

Visa Qualification CriteriaPuerto Rico Domestic Programs

Interchange Program Interchange Summary Description RatePR Merchant & PR Issuer = PR DomesticCard presentPOS Entry Mode must be 05,07,90 or 91AuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements

Card Type: Classic, Electronic, GoldUsage: DebitCharge Type: 1026

1.05%Card Type: Classic, GoldUsage: CreditCharge Type: 1U09 1.10%Card Type: Platinum, CommercialUsage: Debit or CreditCharge Type: 1X06 1.25%Card Type: Signature, InfiniteUsage: Debit or CreditCharge Type: 1T06 1.28%PR Merchant & PR Issuer = PR DomesticCard presentPOS Entry Mode must be 05,07,90 or 91AuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements


1.05%Card Type: Classic, GoldUsage: CreditCharge Type: 1U12

1.10%Card Type: Platinum, CommercialUsage: Debit or CreditCharge Type: 1X09

1.25%Card Type: Signature, InfiniteUsage: Debit or CreditCharge Type: 1T09

1.28%

Puerto Rico Domestic Electronic

Market Segment: Emerging and Small Ticket MCCs: 4011, 4111, 4112, 4121, 4131, 4784, 4789, 5814, 5912, 5976, 5994, 7211, 7216, 7338, 7523, 7542, 7832, 7911, 8011, 8021, 8031, 8041, 8042, 8043, 8049, 8050, 8062, 8071, 8099, 8211, 8220, 8241, 8244, 8249 8299, 9211, 9222, 9223, 9311, 9399


Market Segment: Emerging and Small Ticket Utility MCC: 4900

40


Interchange Program Interchange Summary Description RatePR Merchant & PR Issuer = PR DomesticCard presentPOS Entry Mode must be 05,07,90 or 91AuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements



1.35%Card Type: Platinum, CommercialUsage: Debit or CreditCharge Type: 1X12

1.85%Card Type: Signature, InfiniteUsage: Debit or CreditCharge Type: 1T12 2.00%


Market Segment: Retail Group 2 All other MCCs

PR Merchant & PR Issuer = PR DomesticCard presentPOS Entry Mode must be 05,07,90 or 91AuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements



1.30%Card Type: Platinum, CommercialUsage: Debit or Credit Charge Type: 1X16

1.80%Card Type: Signature , InfiniteUsage: Debit or Credit Charge Type: 1T16

1.90%


Market Segment: Retail Group 1MCC's 3351-3500, 3501 - 3999, 4411, 4722, 4723, 5200, 5211, 5231, 5251, 5261, 5309, 5712, 5713, 5714, 5719, 5722, 5732, 5932, 5937, 5944, 5950, 5962, 5964, 5965, 5966, 5967, 5968, 5969, 5971, 7011, 7012, 7512, 7995

41


Interchange Program Interchange Summary Description RatePuerto Rico Domestic Standard

All Market Segment

PR Merchant & PR Issuer = PR DomesticCard presentPOS Entry Mode must be 05,07,90 or 91AuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements

Card Type: Classic, Electronic, GoldUsage: DebitCharge Type: 1052 1.65%Card Type: Classic, GoldUsage: CreditCharge Type: 1U22 1.65%Card Type: Platinum, CommercialUsage: Debit or Credit Charge Type: 1X19 1.85%Card Type: Signature , InfiniteUsage: Debit or CreditCharge Type: 1T19 2.00%

42

Visa Qualification CriteriaVirgin Island Domestic Programs

Interchange Program Interchange Summary Description RateBusiness and Signature Business Card1V03

Product Specific Commercial – must be listed card onlyVI Merchant & VI Issuer = VI DomesticCard presentAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements 1.80%

Corporate Card1X03


Purchasing Card 1W03


Infinite Card1313

Product Specific Consumer – must be listed card onlyVI Merchant & VI Issuer = VI DomesticCard presentAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements 1.80%

Signature Card1T03

Product Specific Consumer – must be listed card onlyVI Merchant & VI Issuer = VI DomesticCard presentAuthorizationSettlement within three business days from transaction dateMeets normal authorization data requirementsMeets normal clearing data requirements 1.80%

Secure Electronic Commerce1U03

VI Merchant & VI Issuer = VI DomesticCard not presentPOS Entry Mode must be 01MOTO ECI indicator must be 5Must be secure e-commerce utilizing Verified by Visa Must have valid CAVV responseAuthorizationSettlement within three business days from tranaction 1.44%

Secure Electronic Commerce - Electron Card1063

VI Merchant & VI Issuer = VI DomesticCard not presentPOS Entry Mode must be 01MOTO ECI indicator must be 5Must be secure e-commerce utilizing Verified by Visa Must have valid CAVV responseAuthorizationSettlement within three business days from transaction 1.44%

43


Interchange Program Interchange Summary Description RateElectronic Commerce Merchant VI1U29

VI Merchant & VI Issuer = VI DomesticCard not presentPOS Entry Mode must be 01MOTO ECI indicator must be 6Must be secure e-commerce utilizing Verified by Visa Must have valid CAVV responseAuthorizationSettlement within three business days from tranansaction 1.44%

Electronic Commerce Merchant - Electron Card1079


Electronic1U56


Electronic - Visa Electron15A2


Issuer Chip VI1U33

VI Merchant & VI Issuer = VI DomesticCard presentPOS Entry Mode must be 90 or 91POS Terminal Capability Code must not = 5Must qualify for Electronic Program to be eligible Issuer must be identified on the ARDEF to receive this rateAuthorizationSettlement within three business days from transaction 1.20%

Isser Chip - Visa Electron VI1U49

VI Merchant and VI Issuer = VI DomesesticCard presentPOS Entry Mode must be 90 or 91POS Terminal Capability Code must not = 5Must qualify for Electronic Program to be eligible Issuer must be identified on the ARDEF to receive this rateAuthorization

1.20%Standard VI1U26 (Credit)15A6 (Debit)


44


Interchange Program Interchange Summary Description RateStandard - Visa Electron15A9


45

MasterCard Worldwide Qualification CriteriaConsumer Debit


Rate Max.Full UCAF Debit1525

• Internet tran• Electronic auth• US issued consumer card• Terminal Type contains value CT6 indicating e-comm Tran (CAT Level 6) • The authorization log must contain: o POS Entry Mode/POS Terminal PAN Entry Mode value 81o E-commerce Security Level Indicator/Security Protocol with value 0–9o E-commerce Security Level Indicator/Cardholder Authentication with value 0–9• UCAF Data must be present when Electronic Commerce Security Level Indicator contains a 2• POS Data/POS Cardholder Presence Indicator with value 5, indicating electronic order• POS Data/Cardholder-Activated Terminal Level Indicator with value 6, indicating electronic commerce (CAT6) • Settle w/in two business days from tran date• MCC in clearing trans must be identical to MCC in authorization log record• Enhanced information required for settlement: Unique Banknet reference number & Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file)

1.15% $0.15

MC Petroleum CAT/AFD Debit1595, 1598

• Card and cardholder present• Entire magnetic stripe contents or unaltered proximity chip data included in the electronic authorization request• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • CAT (Cardholder Activated Terminal) indicator of 2 (Self-Service Terminal) is required• Interchange compliance test (match between authorization and clearing file) • Valid MCCs: 5542 Automated Fuel Dispensers

0.70% $0.17 $0.95

MC Emerging Market Debit1561

• Electronic authorization• Key entry permitted• Settlement within three business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange Compliance test (match between authorization and clearing file)• Valid MCCs: 4111 Local Commuter Transportation, 4784 Bridge and Tolls, 4899 Cable/Satellite & Other Pay TV & Radio, 4900 Utilities, 9211 Courts, 9222 Fines, 9223 Bail Bonds, 9311 Taxes, 9399 Government Services Not Elsewhere Defined, 8211 Elementary/ Secondary Schools, 8220 Colleges/Universities, 5960 Direct Marketing-Insurance Services, 6300 Insurance Underwriting/Premiums, 8299 Schools & Educational Services not elsewhere classified, 9402 Postal Services – Government Only

0.80% $0.25

MC Key Entered Debit1521

• Card and cardholder present, key entered• Amount tolerance between electronic authorization and settlement is 10%; Restaurant, Bars and Fast Food MCCs 5812, 5813, 5814 are exempt • Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file) • Industries not eligible: Mail/Telephone Order, Car Rental, Hotels, Transportation, Fuel, Travel Agents, Professional Services, Personal Services

1.64% $0.16

MC Restaurant Debit1548

• Card and cardholder present• Entire magnetic stripe contents or unaltered proximity chip data included in the electronic authorization request• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Valid MCCs: 5812 Eating Places/Restaurants, 5814 Fast Food Restaurants• Interchange compliance test (match between authorization and clearing file)

1.19% $0.10

46



Rate Max.MC Petroleum Service Stations Debit1508, 1558

• Card and cardholder present• Entire magnetic stripe contents or unaltered proximity chip data included in the electronic authorization request• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured)• Interchange compliance test (match between authorization and clearing file) • Valid MCCs: 5541 Service Stations

0.70% $0.17 $0.95

MC Small Ticket Debit1528

• Card and cardholder present• Transaction amount can not be greater than US $15• Entire magnetic stripe contents or unaltered proximity chip data included in the electronic authorization request• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file) • Valid MCCs: 4111 Commuter Transport/Ferries, 4121 Taxicabs/ Limousines, 4131 Bus Lines, 4784 Toll and Bridge fees, 5499 Miscellaneous Food Stores-Convenience Stores and Specialty Markets, 5812 Eating Places/Restaurants, 5814 Fast Food, 5994 News Dealers and Newsstands, 7211 Laundries (Family and Commercial), 7216 Dry Cleaners, 7338 Quick Copy, Reproduction and Blueprint Services, 7523 Parking Lots/Garages, 7542 Car Washes, 7832 Motion Picture Theaters, 7841 Video Tape Rental Stores

1.55% $0.04

Small Ticket Tier 1 Debit • Card and cardholder present• Transaction amount can not be greater than US $15• Entire magnetic stripe contents or unaltered proximity chip data included in the electronic authorization request• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file) • Valid MCCs: 4111 Commuter Transport/Ferries, 4121 Taxicabs/ Limousines, 4131 Bus Lines, 4784 Toll and Bridge fees, 5499 Miscellaneous Food Stores-Convenience Stores and Specialty Markets, 5812 Eating Places/Restaurants, 5814 Fast Food, 5994 News Dealers and Newsstands, 7211 Laundries (Family and Commercial), 7216 Dry Cleaners, 7338 Quick Copy, Reproduction and Blueprint Services, 7523 Parking Lots/Garages, 7542 Car Washes, 7832 Motion Picture Theaters, 7841 Video Tape Rental StoresTier 1 Debit Annual minimum: 100 million

1.30% $0.02

MC Supermarket Debit1551, 1568

• Qualified and registered supermarket merchant• Card and cardholder present• Entire magnetic stripe or unaltered chip data contents included in electronic authorization request• Merchant registration S code passed in settlement• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file) • Valid MCC: 5411 Grocery Stores/Supermarkets

1.05% $0.15 $0.35

MC Supermarket Debit Tier 1 • Performance-based minimum requirements (for each interchange category):o Tier 1 debit annual minimums: 8.75 million transactions, $500 million USD volume, 0.018% chargeback max, 0.022% max fraud rate• Meet all MC Supermarket Debit requirements

0.70% $0.15 $0.35

MC Supermarket Debit Tier 2 • Performance-based minimum requirements (for each interchange category):o Tier 2 debit annual minimums: 4.5 million transactions, $250 million USD volume, 0.018% chargeback max, 0.022% max fraud rate• Meet all MC Supermarket Debit requirements

0.83% $0.15 $0.35

47



Rate Max.MC Supermarket Debit Tier 3 • Performance-based minimum requirements (for each interchange category):

o Tier 3 debit annual minimums: 1.5 million transactions, $75 million USD volume, 0.018% chargeback max, 0.022% max fraud rate• Meet all MC Supermarket Debit requirements

0.95% $0.15 $0.35

Merchant UCAF Debit1515

• Internet Transaction• Electronic authorization• U.S. issued card• Terminal Type must contain the value CT6 indicating e-commerce transaction (CAT Level 6) • The authorization log must contain the following: o POS Entry Mode/POS Terminal PAN Entry Mode with the value 81o E-commerce Security Level Indicator/Security Protocol with the valid value 0–9o E-commerce Security Level Indicator/Cardholder Authentication with the valid value 0–9• UCAF Data must be present when Electronic Commerce Security Level Indicator contains a 1• POS Data/POS Cardholder Presence Indicator with the value 5, indicating electronic order• POS Data/Cardholder-Activated Terminal Level Indicator with the value 6, indicating e-commerce (CAT6) • Settlement within two business days from transaction date• The merchant category code (MCC) in the clearing transaction must be identical to the MCC in the authorization log record• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file)

1.05% $0.15

Merit 1 Debit1511

• Electronic authorization• Key entry permitted• Amount Tolerance is 25% for Beauty/Barber Shop MCC 7230, Restaurant, Bars and Fast Food MCCs 5812, 5813, 5814 are exempt, 10% for all others• Settlement within three business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file)

1.64% $0.16

Merit 1 Debit - Real Estate1068

• Electronic authorization• Key entry permitted• Settlement within three business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file) • Valid MCC 6513

1.10%

Merit 3 Debit1531

• Card and cardholder present• Entire magnetic stripe contents or unaltered proximity chip data included in the electronic authorization request• Amount Tolerance between authorization and settlement is 25% for Beauty/Barber Shop MCC 7230, Restaurant, Bars and Fast Food MCCs 5812, 5813, 5814 are exempt, 10% for all others• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file) • MCCs not eligible: 5542 Automated Fuel Dispensers, 5541 Service Stations

1.05% $0.15

Merit 3 Debit Tier 1 • Performance-based minimum requirements (for each interchange category):o Tier 1 debit annual minimums: 7.5 million transactions, 0.018% chargeback max, 0.022% max fraud rate • Meet All Merit 3 Debit Requirements

0.70% $0.15

48



Rate Max.Merit 3 Debit Tier 2 • Performance-based minimum requirements (for each interchange category):

o Tier 2 debit annual minimums: 2.5 million transactions, 0.018% chargeback max, 0.022% max fraud rate• Meet All Merit 3 Debit Requirements

0.83% $0.15

Merit 3 Debit Tier 31577

• Performance-based minimum requirements (for each interchange category):o Tier 3 debit annual minimums: 1.5 million transactions, $75 million USD volume, 0.018% chargeback max, 0.022% max fraud rate• Meet All Merit 3 Debit Requirements

0.95% $0.15

Service Industries (SIIP) Debit1541

• Qualified and registered service industries merchant• Merchant Registration “R” code passed in settlement• Non-face-to-face recurring payments• Electronic authorization, the magnetic stripe must not be present• Recurring indicators must be passed in authorization and settlement• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file) • Valid MCCs: 4812 Telecommunication Equipment & Telephone Sales, 4814 Telecommunications Services, 4899 Cable/Satellite & Other Pay TV & Radio, 4900 Utilities, 5960 Direct Marketing-Insurance Services, 6300 Insurance Underwriting/Premiums

1.15% $0.05

Standard Debit1501

• Transactions will fall to Standard if they fail Banknet date and reference number requirements, or fail interchange compliance tests.

1.90% $0.25

Travel Industries Premier Service (TIPS)1538

• Qualified and registered travel merchant • Key entry permitted• Electronic authorization• Merchant Registration “P” code passed in settlement• Lodging/car rental data• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file) • Settlement within two business days from transaction date• Valid MCCs: 3357, 3366, 3388, 3389, 3390, 3393, 3395, 3405, 3441 Automobile/Vehicle Rental, 3501, 3502, 3503, 3504, 3508, 3509, 3510, 3512, 3513, 3516, 3521, 3526, 3530, 3532, 3543, 3551, 3554, 3555, 3556, 3562, 3564, 3566, 3582, 3584, 3590, 3592, 3597, 3620, 3624, 3628, 3631, 3632, 3634, 3637, 3638, 3640, 3641, 3642, 3644, 3649, 3650, 3662, 3665, 3667, 3669, 3676, 3679, 3681, 3682, 3686, 3687, 3690, 3692, 3695, 3701, 3703, 3708, 3709, 3710, 3712, 3715, 3722, 3728, 3730, 3731, 3733, 3734, 3736, 3738, 3740, 3741, 3742, 3745, 3750, 3751, 3756, 3757, 3760, 3761, 3762, 3764, 3765, 3768, 3769, 3770, 3771, 3772, 3773, 3774, 3776, 3777, 3778, 3779, 3781, 3785, 3786, 3787, 3788, 3789, 3791, 3792, 3793, 3794, 3795, 3799 Hotel/Motel, 4411 Cruise Line

1.36% $0.15

Utilities Debit1588

• Qualified Utility merchant• Electronic authorization• Key entry permitted• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange Compliance test (match between authorization and clearing file)• Valid MCC: 4900 only

$0.45

MasterCard Consumer Debit Refund ProgramsConsumer Debit Refund Group 11505

All except Airline, Passenger Railway (Non-face-to-face) 1.72%

Consumer Debit Refund Group 31535

All except Mail Order, Airline and Passenger Railway (Face-to-face) 1.40%

49

MasterCard Worldwide Qualification CriteriaConsumer Credit

Interchange Program Interchange Summary Description

Core Value Rate

Core Per Item

Enhanced Value Rate

Enhanced Per Item

Convenience Purchase 1294, 1295Enhanced1P94, 1P95

• Card and cardholder present• Entire magnetic stripe contents or unaltered proximity chip data included in the electronic authorization request• Amount Tolerance between authorization and settlement is: 10% for MCCs 5499 Misc Food Stores-Convenience Stores and Specialty Markets and 7832 Motion Picture Theaters. Transactions submitted with MCCs 5541 Service Stations, 5814 Fast Food or 5542 Automated Fuel Dispensers are exempt from the amount tolerance test. • Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file) • Valid MCCs: 5814 Fast Food Restaurants, 7832 Motion Picture Theaters, 5499 Misc Food Stores-Convenience Stores and Specialty Markets, 4121 Taxis and Limos (for transaction amounts $25 or less)

1.90% 1.90%

Merchant UCAF Credit1214, 1215Enhanced1P14, 1P15

• Internet tran• Electronic auth• US issued consumer card• Terminal Type contains value CT6 indicating e-comm Tran (CAT Level 6) • The authorization log must contain: o POS Entry Mode/POS Terminal PAN Entry Mode value 81o E-commerce Security Level Indicator/Security Protocol with value 0–9o E-commerce Security Level Indicator/Cardholder Authentication with value 0–9• UCAF Data must be present when Electronic Commerce Security Level Indicator contains a 2• POS Data/POS Cardholder Presence Indicator with value 5, indicating electronic order• POS Data/Cardholder-Activated Terminal Level Indicator with value 6, indicating electronic commerce (CAT6) • Settle w/in two business days from tran date• MCC in clearing trans must be identical to MCC in authorization log record• Enhanced information required for settlement: Unique Banknet reference number & Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file)

1.58% $0.10 1.73% $0.10

MC Key Entered Credit1220, 1221EnhancedIP20, 1P21


1.89% $0.10 2.04% $0.10

MC Supermarket Credit Base1250, 1251Enhanced1P50, 1P51


1.48% $0.05 1.48% $0.05

MC Supermarket Credit Tier 1

• Performance-based minimum requirements (for each interchange category):o Tier 1 credit annual minimum: $2 billion USD volume• Meet all MC Supermarket Debit requirements

1.27% 1.27%

50



Core Value Rate

Core Per Item

Enhanced Value Rate

Enhanced Per Item


• Performance-based minimum requirements (for each interchange category):o Tier 2 credit annual minimum: $1.25 billion USD volume• Meet all MC Supermarket Debit requirements

1.32% 1.32%


• Performance-based minimum requirements (for each interchange category):o Tier 3 credit annual minimum: $300 million USD volume• Meet all MC Supermarket Debit requirements

1.42% $0.05 1.42% $0.05

MC Travel Industries Premier Service (TIPS) Credit1237, 1238Enhanced1P37, 1P38

• Qualified and registered travel merchant • Key entry permitted• Electronic authorization• Merchant Registration “P” code passed in settlement• Lodging/car rental data• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file) • Settlement within two business days from transaction date• Valid MCCs: 3357, 3366, 3388, 3389, 3390, 3393, 3395, 3405, 3441 Automobile/Vehicle Rental, 3501, 3502, 3503, 3504, 3508, 3509, 3510, 3512, 3513, 3516, 3521, 3526, 3530, 3532, 3543, 3551, 3554, 3555, 3556, 3562, 3564, 3566, 3582, 3584, 3590, 3592, 3597, 3620, 3624, 3628, 3631, 3632, 3634, 3637, 3638, 3640, 3641, 3642, 3644, 3649, 3650, 3662, 3665, 3667, 3669, 3676, 3679, 3681, 3682, 3686, 3687, 3690, 3692, 3695, 3701, 3703, 3708, 3709, 3710, 3712, 3715, 3722, 3728, 3730, 3731, 3733, 3734, 3736, 3738, 3740, 3741, 3742, 3745, 3750, 3751, 3756, 3757, 3760, 3761, 3762, 3764, 3765, 3768, 3769, 3770, 3771, 3772, 3773, 3774, 3776, 3777, 3778, 3779, 3781, 3785, 3786, 3787, 3788, 3789, 3791, 3792, 3793, 3794, 3795, 3799 Hotel/Motel, 4411 Cruise Line

1.58% $0.10 1.90% $0.10

Full UCAF Credit1224, 1225Enhanced1P24, 1P25

• Internet Transaction• Electronic authorization• U.S. issued consumer card• Terminal Type must contain the value CT6 indicating e-commerce transaction (CAT Level 6) • The authorization log must contain the following: o POS Entry Mode/POS Terminal PAN Entry Mode with the value 81o E-commerce Security Level Indicator/Security Protocol with the valid value 0–9o E-commerce Security Level Indicator/Cardholder Authentication with the valid value 0–9• UCAF Data must be present when Electronic Commerce Security Level Indicator contains a 1• POS Data/POS Cardholder Presence Indicator with the value 5, indicating electronic order• POS Data/Cardholder-Activated Terminal Level Indicator with the value 6, indicating e-commerce (CAT6) • Settlement within two business days from transaction date• The merchant category code (MCC) in the clearing transaction must be identical to the MCC in the authorization log record• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file)

1.68% $0.10 1.83% $0.10

Merit 1 Credit1210, 1211Enhanced1P10, 1P11


1.89% $0.10 2.04% $0.10

51



Core Value Rate

Core Per Item

Enhanced Value Rate

Enhanced Per Item

Merit 1 Credit - Insurance1J27, 1J28Enhanced1P27, 1P28

• Electronic authorization• Key entry permitted• Settlement within three business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file) • Valid MCCs 5960, 6300

1.43% $0.05 1.43% $0.05

Merit 1 Credit - Real Estate1267, 1268Enhanced1P67, 1P68


1.10% 1.10%

Merit 3 Credit Base1230, 1231Enhanced1P30, 1P31

Mail Order, Travel Agencies (excluding World and World Elite MasterCard cards), Utilities

1.58% $0.10 1.73% $0.10

Merit 3 Credit Tier 1 • Performance-based minimum requirements (for each interchange category):oTier 1 credit annual minimum: $2 billion USD volume • Meet All Merit 3 Credit Requirements

1.43% $0.10 1.43% $0.10

Merit 3 Credit Tier 2 • Performance-based minimum requirements (for each interchange category):o Tier 2 credit annual minimum: $1.25 billion USD volume• Meet All Merit 3 Credit Requirements

1.48% $0.10 1.48% $0.10

Merit 3 Credit Tier 31277, 1278Enhanced1P77, 1P78

• Performance-based minimum requirements (for each interchange category):o Tier 3 credit annual minimum: $750 million USD volume• Meet All Merit 3 Credit Requirements

1.55% $0.10 1.55% $0.10

Petroleum Credit1264, 1265, 1297, 1298, Enhanced1P64, 1P65, 1P97, 1P98

• Card and cardholder present• Entire magnetic stripe contents or unaltered proximity chip data included in the electronic authorization request• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • For MCC 5542 Automated Fuel Dispensers, a CAT (Cardholder Activated Terminal) indicator of 2 (Self-Service Terminal) is required• Interchange compliance test (match between authorization and clearing file) • Valid MCCs: 5542 Automated Fuel Dispensers, 5541 Service Stations

1.90%Max

$0.95

1.90%Max $0.95

Public Sector Credit1260, 1261Enhanced1P60, 1P61

• Electronic authorization• Key entry permitted• Settlement within three business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange Compliance test (match between authorization and clearing file)• Valid MCCs: 4111 Local Commuter Transportation, 4784 Bridge and Tolls, 9211 Courts, 9222 Fines, 9223 Bail Bonds, 9311 Taxes, 9399 Government Services Not Elsewhere Defined, 9402 Postal Services – Government Only

1.55% $0.10 1.55% $0.10

52



Core Value Rate

Core Per Item

Enhanced Value Rate

Enhanced Per Item

Service Industries (SIIP) Credit1240, 1241Enhanced1P40, 1P41

• Qualified and registered service industries merchant• Merchant Registration “R” code passed in settlement• Non-face-to-face recurring payments• Electronic authorization, the magnetic stripe must not be present• Recurring indicators must be passed in authorization and settlement• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file) • Valid MCCs: 4814 Telecommunications Services, 4899 Cable/Satellite & Other Pay TV & Radio

1.15% $0.05 1.15% $0.05

Standard Credit 1200, 1201Enhanced1P00, 1P01


2.95% $0.10 2.95% $0.10

Utilities Credit1287, 1288Enhanced1P87, 1P88


0% $0.65 0% $0.65

MasterCard Consumer Credit Refund ProgramsConsumer Credit Refund Group 21204, 1205


2.09% 2.09%

Consumer Credit Refund Group 31234, 1235

Airlines (excluding World and World Elite MasterCard cards), Drug Stores, Education, Professional Services, Recreation, Repair Shops, Restaurant/Bars (excluding World MasterCard cards with MCC 5812), Other Services

1.95% 1.95%


Auto Rental (excluding World and World Elite MasterCard cards), Clothing Stores, Discount Stores, Gas Stations, Hardware, Health Care, Other Retail, Other Transport (excluding World MasterCard cards with MCC 4112 and 4411), Sporting/Toy Stores

1.82% 1.82%


Department Stores, Electronic/Appliance Stores, Food Stores/Warehouse, Hotel/Motel (excluding World and World Elite MasterCard cards), Interior Furnishings, Vehicle, Quasi Cash

1.73% 1.73%

53

MasterCard Worldwide Qualification CriteriaConsumer World Programs

Interchange Program Interchange Summary Description World Rate

World Per Item

World Elite & High Value Rate

World Elite &

High Value Per Item

World Card Convenience Purchase1395, 1L95, 1I95

• Card and cardholder present• Entire magnetic stripe contents or unaltered proximity chip data included in the electronic authorization request• Amount Tolerance between authorization and settlement is: 10% for MCCs 5499 Misc Food Stores-Convenience Stores and Specialty Markets and 7832 Motion Picture Theaters. Transactions submitted with MCCs 5541 Service Stations, 5814 Fast Food or 5542 Automated Fuel Dispensers are exempt from the amount tolerance test. • Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file) • Valid MCCs: 5814 Fast Food Restaurants, 7832 Motion Picture Theaters, 5499 Misc Food Stores-Convenience Stores and Specialty Markets, 4121 Taxis and Limos (for transaction amounts $25 or less)

2.00% n/a 2.00% n/a

World Card Full UCAF1325, 1L25, 1I25

• Internet tran• Electronic auth• US issued card• Terminal Type contains value CT6 indicating e-comm tran (CAT Level 6) • Auth log must contain: o POS Entry Mode/POS Terminal PAN Entry Mode value 81o E-commerce Security Level Indicator/Security Protocol value 0–9o E-commerce Security Level Indicator/Cardholder Authentication value 0–9• UCAF Data must be present when Electronic Commerce Security Level Indicator contains a 2• POS Data/POS Cardholder Presence Indicator with the value 5, indicating electronic order• POS Data/Cardholder-Activated Terminal Level Indicator value 6, indicating electronic commerce (CAT6) • Settle within two business days from tran date• MCC in clearing tran must be identical to MCC in auth log record• Corporate Card Common Data in clearing record includes: merchant location postal code, merchant state/province code, country code• Enhanced information required for settlement: Unique Banknet reference number and Banknet date • Interchange compliance test

1.83% $0.10 2.30% $0.10

World Card MC Key Entered1321, 1L21, 1I21


2.05% $0.10 2.50% $0.10

54



World Per Item


World Elite &

High Value Per Item

World Card Merchant UCAF1315, 1L15, 1I15

• Internet Tran• Electronic auth• US issued card• Terminal Type contains CT6 indicating e-commerce tran (CAT Level 6) • Auth log contains: o POS Entry Mode/POS Terminal PAN Entry Mode 81o E-commerce Security Level Indicator/Security Protocol 0–9o E-commerce Security Level Indicator/Cardholder Authentication 0–9• UCAF Data must be present when Electronic Commerce Security Level Indicator contains a 1• POS Data/POS Cardholder Presence Indicator 5, indicating electronic order• POS Data/Cardholder-Activated Terminal Level Indicator 6, indicating e-commerce (CAT6) • Settle within two business days from tran date• MCC in clearing tran must be identical to MCC in auth log record• Corporate Card Common Data in clearing record must include merchant location postal code, merchant state/province code, country code• Enhanced info required for settlement: Unique Banknet reference number & Banknet date • Interchange compliance test

1.73% $0.10 2.20% $0.10

World Card Merit 11310, 1311, 1L11, 1I11


2.05% $0.10 2.50% $0.10

World Card Merit 1 - Insurance1328, 1L28, 1I28

• Electronic authorization• Key entry permitted• Settlement within three business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file) • Valid MCCs 5960, 6300

1.43% $0.05 2.20% $0.10

World Card Merit 1 - Real Estate1368, 1L68, 1I68


1.10% 2.20% $0.10

World Card Merit 31331, 1L31, 1I31

• Card and cardholder present• Entire magnetic stripe contents or unaltered proximity chip data included in the electronic authorization request• Amount Tolerance between authorization and settlement is 25% for Beauty/Barber Shop MCC 7230, Restaurant, Bars and Fast Food MCCs 5812, 5813, 5814 are exempt, 10% for all others• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file) • MCCs not eligible: 5542 Automated Fuel Dispensers, 5541 Service Stations

1.73% $0.10 2.20% $0.10

55



World Per Item


World Elite &

High Value Per Item

Merit 3 World Tier 1 • Performance-based minimum requirements (for each interchange category):o Tier 1 credit annual minimum: $2 billion USD volume • Meet All Merit 3 World Credit Requirements

1.53% $0.10 2.05% $0.10

Merit 3 World Tier 2 • Performance-based minimum requirements (for each interchange category):o Tier 2 credit annual minimum: $1.25 billion USD volume• Meet All Merit 3 World Credit Requirements

1.58% $0.10 2.10% $0.10

Merit 3 World Tier 31378, 1L78, 1I78

• Performance-based minimum requirements (for each interchange category):o Tier 3 credit annual minimum: $750 million USD volume• Meet All Merit 3 World Credit Requirements

1.65% $0.10 2.15% $0.10

World Card Petroleum1365, 1398, 1L65, 1L98, 1I65, 1I98

• Card and cardholder present• Entire magnetic stripe contents or unaltered proximity chip data included in the electronic authorization request• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • For MCC 5542 Automated Fuel Dispensers, a CAT (Cardholder Activated Terminal) indicator of 2 (Self-Service Terminal) is required• Interchange compliance test (match between authorization and clearing file) • Valid MCCs: 5542 Automated Fuel Dispensers, 5541 Service Stations

2.00%Max $0.95

2.00%Max

$0.95

World Card Public Sector1371, 1L71, 1I71

• Electronic authorization• Key entry permitted• Settlement within three business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange Compliance test (match between authorization and clearing file)• Valid MCCs: 4111 Local Commuter Transportation, 4784 Bridge and Tolls, 9211 Courts, 9222 Fines, 9223 Bail Bonds, 9311 Taxes, 9399 Government Services Not Elsewhere Defined, 9402 Postal Services – Government Only

1.55% $0.10 1.55% $0.10

World Card Restaurant1348, 1L48, 1I48

• Card and cardholder present• Entire magnetic stripe contents or unaltered proximity chip data included in the electronic authorization request• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Valid MCC: 5812 Eating Places/Restaurants• Interchange compliance test (match between authorization and clearing file) • Transactions must be $60.00 or less• World card transactions at MCC 5812 that are greater than $60 or that fail World Restaurant requirements will follow World T&E program

1.73% $0.10 2.20% $0.10

56



World Per Item


World Elite &

High Value Per Item

World Card SIIP1341, 1L41, 1I41

• Qualified and registered service industries merchant• Merchant Registration “R” code passed in settlement• Non-face-to-face recurring payments• Electronic authorization, the magnetic stripe must not be present• Recurring indicators must be passed in authorization and settlement• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file) • Valid MCCs: 4814 Telecommunications Services, 4899 Cable/Satellite & Other Pay TV & Radio

1.15% $0.05 1.15% $0.05

World Card Standard1308, 1L08, 1I08


2.95% $0.10 3.25% $0.10

MC World Supermarket Credit 1351, 1L51, 1I51


1.58% $0.05 1.90% $0.05

MC World Supermarket Credit Tier 1

• Performance-based minimum requirements (for each interchange category):o Tier 1 credit annual minimum: $2 billion USD volume• Meet all MC Supermarket Debit requirements

1.37% 1.37%


• Performance-based minimum requirements (for each interchange category):o Tier 2 credit annual minimum: $1.25 billion USD volume• Meet all MC Supermarket Debit requirements

1.42% 1.42%


• Performance-based minimum requirements (for each interchange category):o Tier 3 credit annual minimum: $300 million USD volume• Meet all MC Supermarket Debit requirements

1.52% $0.05 1.52% $0.05

World Card T&E1300, 1301,1L01, 1I01

• Electronic authorization• Key entry permitted• World and World Elite MasterCard only• Settlement within three business days from transaction date• Clearing record must include industry specific data (including both Property Phone and Customer Service Phone numbers, as well as Folio data for Hotels and Rental Agreement data for Vehicle Rentals)• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured)• Interchange compliance test (match between authorization and clearing file)• Travel and Entertainment MCCs eligible for World T&E: 3000-3299 or 4511 Airline, 3351-3500, 7512, 7513, 7519 Automobile/Vehicle Rental, 3501-3999 or 7011 Hotel/Motel, 4112 Passenger Railway, 4411 Cruise Line/Steamship, 4722 Travel Agent, 5812 Eating Places/Restaurants • Transactions at MCC 5812 must be greater than $60 or must have failed World Restaurant requirements.

2.30% $0.10 2.75% $0.10

57



World Per Item


World Elite &

High Value Per Item

World Elite T&E Large Ticket1L75, 1I75

• Electronic authorization• Key entry permitted• World Elite MasterCard only• Transaction amount $2,500 or greater• Settlement within three business days from transaction date• Clearing record must include industry specific data (including both Property Phone and Customer Service Phone numbers, as well as Folio data for Hotels and Rental Agreement data for Vehicle Rentals)• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured)• Interchange compliance test (match between authorization and clearing file)• Travel and Entertainment MCCs eligible for World T&E: 3000-3299 or 4511 Airline, 3351-3500, 7512, 7513, 7519 Automobile/Vehicle Rental, 3501-3999 or 7011 Hotel/Motel, 4112 Passenger Railway, 4411 Cruise Line/Steamship, 4722 Travel Agent

2.00%

World Card Utilities1388, 1L88, 1I88


0% $0.65 0% $0.75

MasterCard World Refund ProgramsConsumer Credit Refund Group 11305

World MasterCard card transactions for Airline, Auto Rental, Cruise Line, Hotel/Motel, Passenger Railway, Restaurant, Travel Agencies

2.42% 2.42%



2.09% 2.09%


Airlines (excluding World and World Elite MasterCard cards), Drug Stores, Education, Professional Services, Recreation, Repair Shops, Restaurant/Bars (excluding World MasterCard cards with MCC 5812), Other Services

1.95% 1.95%


Auto Rental (excluding World and World Elite MasterCard cards), Clothing Stores, Discount Stores, Gas Stations, Hardware, Health Care, Other Retail, Other Transport (excluding World MasterCard cards with MCC 4112 and 4411), Sporting/Toy Stores

1.82% 1.82%


Department Stores, Electronic/Appliance Stores, Food Stores/Warehouse, Hotel/Motel (excluding World and World Elite MasterCard cards), Interior Furnishings, Vehicle, Quasi Cash

1.73% 1.73%

58

MasterCard Worldwide Qualification CriteriaCommercial Programs


CorporateRate

Business Rate

PurchRate

Fleet Rate

Commercial Data I

1610, 1611, 1710, 1711

• Electronic authorization• Key entry permitted• Settlement within three business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Clearing record must include the merchant name, address, location postal code, merchant state/province code, country code, valid merchant tax identification, merchant type code• Fleet Card transactions at fuel retail locations must contain additional industry-specific data in the clearing record• Interchange compliance test (match between authorization and clearing file) • Industries not eligible: Airlines, Lodging, Passenger Railways, Restaurants (Fast Food is eligible), Vehicle Rentals

2.65% + $0.10

2.65% + $0.10

2.65% + $0.10

2.65% + $0.10

Commercial Data II 1620, 1621, 1720, 1721, 1K20, 1K21, 1M20, 1M21

• Electronic authorization• Key entry permitted• Settlement within three business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Commercial Card Common Data requirements in clearing record must include merchant location postal code and merchant state/province code, country code, merchant tax identification, merchant type code, valid tax amount of 0.1% to 30%, customer code and sales tax indicator• Fleet Card transactions at fuel retail locations must contain additional industry-specific data in the clearing record• Interchange compliance test (match between authorization and clearing file) • Industries not eligible: MCC 3000–3299 or 4511 (Airline), MCC 3351–3500, 7512, 7513, or7519 (Automobile/Vehicle Rental) MCC 3501–3999 or 7011 (Hotel/Motel), MCC 4112 (Passenger Railway),MCC 5542 (Fuel Dispenser, Automated), MCC 5812 (Eating Places, Restaurants) MCC 5960, 5962, 5964–5969 (MailOrder/Telephone Order)

2.15% + $0.10

2.20% + $0.10

2.40% + $0.10

2.50% + $0.10

Commercial Data II Petroleum 1617, 1618, 1717, 1718, 1K17, 1K18, 1M17, 1M18

• Electronic auth• Key entry permitted• Settle w/in three business days from tran date• Enhanced info required for settlement: Unique Banknet reference number & Banknet date • Commercial Card common data requirements in clearing record include: merchant location postal code & merchant state/province code, country code, merchant tax id, merchant type code & customer code• Fleet Card trans at fuel retail locations must contain additional industry-specific data in clearing record• Interchange compliance test • Industries not eligible: Airlines, Lodging, Passenger Railways, Restaurants (Fast Food is eligible), Vehicle Rentals• MCCs must be: 4468 Marinas, Marine Services/Supplies, 5541 Service Stations [with or without Ancillary Services], 5542 Fuel Dispenser, Automated, 5499 Miscellaneous Food Stores-Convenience Stores and Specialty Markets—not elsewhere classified 5983 Fuel Dealers—Coal, Fuel Oil, Liquefied Petroleum, Wood, 7511 Truck Stop Transactions, 9752 U.K. Petrol Stations, Electronic Hot File

2.05% + $0.10

2.05% + $0.10

2.05%+ $0.10

2.05% +$0.10

59



CorporateRate

Business Rate

PurchRate

Fleet Rate

Commercial Data III 1660, 1661, 1760, 1761

• Electronic auth• Key entry permitted• Applies to Purchasing Cards or Fleet Cards at non-fuel retail locations only• Settle w/in three business days from tran date• Enhanced info required for settlement: Unique Banknet reference number & Banknet date • Fleet Card tran at fuel retail locations must contain industry-specific data in clearing record• Commercial Card Line Item Detail in clearing record must include: product code, item description, item quantity & exponent, unit of measure, extended item amount, debit/credit indicator. If tran contains a Shipping/Courier MCC of 4214 or 4215 a Shipping/Courier addenda containing all required fields may be submitted in place of the Corporate Line Item Detail addenda. Trans with a Temporary Services MCC of 7361 must submit a Temporary Services addendum including all required fields.• Interchange compliance test• Industries not eligible: Airlines, Automated Fuel Dispensers, Lodging, Passenger Railways, Restaurants, Vehicle Rentals

1.80% + $0.10

1.80% +$0.10

1.80% +$0.10

1.80% +$0.10

Commercial Utilities1654, 1655

• Qualified Utility merchant• Electronic authorization• Key entry permitted• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange Compliance test (match between authorization and clearing file)• Valid MCC: 4900 only• Product Types: World MasterCard for Business, MasterCard Business Card, World Elite MasterCard for Business

$1.50

Commercial Face to Face 1630, 1631, 1730, 1731, 1K30, 1K31, 1M30, 1M31

• Card and cardholder present• Entire magnetic stripe contents or unaltered proximity chip data included in the electronic authorization request• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Commercial Card Common Data in clearing record must include merchant location postal code and merchant state/province code, country code, merchant tax identification, merchant type code, valid tax amount of 0.1% to 30%, customer code and sales tax indicator• Fleet Cards at fuel locations are excluded from this rate• Interchange compliance test (match between authorization and clearing file) • Industries not eligible: Airlines, Automated Fuel Dispensers, Lodging, Passenger Railways, Restaurants, Vehicle Rentals

2.15% + $0.10

2.20% + $0.10

2.40% + $0.10

2.50% + $0.10

60



CorporateRate

Business Rate

PurchRate

Fleet Rate

Commercial Face to Face Petroleum 1627, 1628, 1727, 1728, 1K27, 1K28

• Card and cardholder present• Entire magnetic stripe contents or unaltered proximity chip data included in the electronic authorization request• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Commercial Card Common Data in clearing record must include merchant location postal code and merchant state/province code, country code, merchant tax identification, merchant type code & customer code• Fleet Cards at fuel locations are excluded from this rate• Interchange compliance test (match between authorization and clearing file) • Industries not eligible: Airlines, Lodging, Passenger Railways, Restaurants (Fast Food is eligible), Vehicle Rentals• Must process under one of the following MCCs: 4468 Marinas, Marine Services/Supplies, 5541Service Stations [with or without Ancillary Services], 5542 Fuel Dispenser, Automated, 5499 Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers—not elsewhere classified 5983 Fuel Dealers—Coal, Fuel Oil, Liquefied Petroleum, Wood, 7511 Truck Stop Transactions, 9752 U.K. Petrol Stations, Electronic Hot File

2.05% +$0.10

2.05% +$0.10

2.05% +$0.10

Commercial Large Ticket I1670, 1671,1770, 1771

• Tran amount > interchange fee & < $25,000• Electronic auth• Key entry permitted• Settle w/in two business days from tran date• Enhanced info required for settlement: Unique Banknet reference number & Banknet date• Based on tran amount, a tran meeting Large Ticket requirements may be submitted at a different Corporate Purchasing program when interchange requirements are met & fee calculates in favor of merchant• Commercial Card Common Data in clearing record includes: merchant location postal code, merchant state/province code, country code, merchant tax id, merchant type code, tax amount, customer code & sales tax indicator• Commercial Card Line Item Detail in clearing record includes: product code, item description, item quantity & exponent, unit of measure, extended item amount, debit/credit indicator. Shipping/Courier MCC of 4214 or 4215 a Shipping/Courier addenda containing all required fields may be submitted in place of the Corporate Line Item Detail addenda. Temporary Services MCC of 7361 must submit a Temporary Services addendum including all required fields.• Fleet Card trans at fuel retail locations must contain industry specific data in clearing record• Interchange compliance test • MCCs not eligible: 3000–3299, 4511, 3351–3500,7512,7513,7519,3501–3999,7011,4112, 5812

1.25% + $40

1.25% + $40

1.25% + $40

1.25% + $40

Commercial Large Ticket II1674, 1675, 1774, 1775

• Same qualification criteria as Corporate Large Ticket I• Transaction amount between $25,000.01 and $99,999.99

1.25% + $40

1.25% + $40

1.25% + $40

1.25% + $40

Commercial Large Ticket III1677, 1678, 1777, 1778

• Same qualification criteria as Commercial Large Ticket I• Transaction amount $100,000.00 or greater

1.25% + $40

1.25% + $40

1.25% + $40

1.25% + $40

Commercial Standard1600, 1601, 1700, 1701

• Transactions will fall to Commercial Standard if they fail Banknet date and reference number requirements, or fail Interchange compliance tests

2.95% + $0.10

2.95% + $0.10

2.95% + $0.10

2.95% + $0.10

61



CorporateRate

Business Rate

PurchRate

Fleet Rate

Commercial T&E I1640, 1641, 1740, 1741. 1K40, 1K41

• Electronic authorization• Key entry permitted• Settlement within three business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Optional: lodging and vehicle rental addendum record• Interchange compliance test (match between authorization and clearing file) • Valid Industries: Airlines, Passenger Railways, Vehicle Rentals, Lodging, Restaurants (excluding Fast Food)

2.40% 2.50% 2.70% 2.70%

Commercial T&E II1680, 1681, 1780, 1781, 1K80, 1K81

• Electronic authorization• Key entry permitted• Settlement within three business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Lodging Detail addenda must contain arrival date, departure date, folio number, property phone number, customer service toll-free number• Vehicle Rental Detail addenda must contain rental agreement number, renter name, rental return city, rental return state/province, rental return country, return location ID, rental return date, rental check-out date, customer service toll-free number• Interchange compliance test (match between authorization and clearing file) • Valid Industries: Airlines, Passenger Railways, Vehicle Rentals, Lodging

2.25% + $0.10

2.35% +$0.10

2.55% + $0.10

2.55% + $0.10

Commercial T&E III1650, 1651, 1750, 1751, 1K50, 1K51

• Electronic authorization• Key entry permitted• Settlement within three business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Lodging Detail addenda must contain arrival date, departure date, folio number, property phone number, customer service toll-free number, room rate, room tax, total room nights, fire safety act indicator• Vehicle Rental Detail addenda must contain rental agreement number, renter name, rental return city, rental return state/province, rental return country, return location ID, rental return date, rental check-out date, customer service toll-free number, rental rate in financial detail addendum also, rental location city, rental location state/province, rental location country, rental class ID, tax exempt indicator, days rented• Interchange compliance test (match between authorization and clearing file) • Valid Industries: Airlines, Passenger Railways, Lodging, Vehicle Rentals

2.20% +$0.10

2.3% +$0.10

2.50% +$0.10

2.50% +$0.10

MasterCard Commercial Card Refund Rates

• Applies to cardholder returns on Corporate card products

Commercial Refund Group 11604, 1605,1704, 1705

Discount Stores, Drug Stores, Food Stores/Warehouse, Other Transport, Quasi Cash, Recreation, Restaurant/Bars, Utilities

2.37% 2.37% 2.37% 2.37%

Commercial Refund Group 21614,1615, 1714, 1715

Auto Rental, Clothing Stores, Education, Hotel/Motel, Repair Shops, Sporting/Toy Stores, Travel Agencies, Vehicles

2.30% 2.30% 2.30% 2.30%

Commercial Refund Group 31624, 1625, 1724, 1725

Airlines, Hardware, Healthcare, Mail Order, Other Retail, Other Services, Professional Services

2.21% 2.21% 2.21% 2.21%

Commercial Refund Group 4 1634, 1635, 1734, 1735

Department Stores, Electronic/Appliance Stores, Gas Stations, Interior Furnishings 2.16% 2.16% 2.16% 2.16%

62

MasterCard Worldwide Qualification CriteriaBusiness, Commercial World, World Elite Programs


Corp World & World Elite

Business Enhanced

Business World

Business World Elite

Commercial Data I1N11, 1O11, 1Q11, 1R11, 1S11

• Electronic authorization• Key entry permitted• Settlement within three business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Clearing record must include the merchant name, address, location postal code, merchant state/province code, country code, valid merchant tax identification, merchant type code• Fleet Card transactions at fuel retail locations must contain additional industry-specific data in the clearing record• Interchange compliance test (match between authorization and clearing file) • Industries not eligible: Airlines, Lodging, Passenger Railways, Restaurants (Fast Food is eligible), Vehicle Rentals

2.65% + $0.10

2.77% + $0.10

2.82% + $0.10

2.87% + $0.10

Commercial Data II 1N21, 1O21, 1Q21, 1R21, 1S21

• Electronic authorization• Key entry permitted• Settlement within three business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Commercial Card Common Data requirements in clearing record must include merchant location postal code and merchant state/province code, country code, merchant tax identification, merchant type code, valid tax amount of 0.1% to 30%, customer code and sales tax indicator• Fleet Card transactions at fuel retail locations must contain additional industry-specific data in the clearing record• Interchange compliance test (match between authorization and clearing file) • Industries not eligible: Airlines, Automated Fuel Dispensers, Lodging, Passenger Railways, Restaurants (Fast Food is eligible), Vehicle Rentals

2.15% + $0.10

2.32% + $0.10

2.37% + $0.10

2.42% + $0.10

Commercial Data II Petroleum 1N18, 1O18, 1Q18, 1R18, 1S17, 1S18

• Electronic auth• Key entry permitted• Settle w/in three business days from tran date• Enhanced info required for settlement: Unique Banknet reference number & Banknet date • Commercial Card Common Data requirements in clearing record include: merchant location postal code & merchant state/province code, country code, merchant tax id, merchant type code, tax amount & customer code• Fleet Card trans at fuel retail locations must contain additional industry-specific data in clearing record• Fleet Card trans at fuel retail locations must contain valid data for the fields below in Financial Detail Addendum � Motor Fuel Product Code� Motor Fuel Unit Price� Motor Fuel Unit of Measure� Motor Fuel Quantity� Motor Fuel Sale Amount� Driver Number/ID Number� Product Code• Interchange compliance test (match between auth & clearing file) • Industries not eligible: Airlines, Lodging, Passenger Railways, Restaurants (Fast Food is eligible), Vehicle Rentals• MCCs Eligible: 4468 Marinas, Marine Services/Supplies, 5541 Service Stations [with or without Ancillary Services]5542 Fuel Dispenser, Automated, 5499 Miscellaneous Automotive, Aircraft, & Farm Equipm5983 Fuel Dealers—Coal, Fuel Oil, Liquefied Petroleum, Wood, 7511 Truck Stop Transactions, 9752 U.K. Petrol Stations, Electronic Hot File

2.05% + $0.10

2.17% + $0.10

2.22% + $0.10

2.27% + $0.10

63




Business Enhanced

Business World


Commercial Data III 1N61, 1O61, 1Q61, 1R61, 1S61

• Electronic authorization• Key entry permitted• Applies to Purchasing Cards or Fleet Cards at non-fuel retail locations only• Settlement within three business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Fleet Card transactions at fuel retail locations must contain additional industry-specific data in the clearing record• Commercial Card Line Item Detail in clearing record must include product code, item description, item quantity & exponent, unit of measure, extended item amount, debit/credit indicator. If transaction contains a Shipping/Courier MCC of 4214 or 4215 a Shipping/Courier addenda containing all required fields may be submitted in place of the Corporate Line Item Detail addenda. Transactions with a Temporary Services MCC of 7361 must submit a Temporary Services addendum including all required fields.• Interchange compliance test (match between authorization and clearing file) • Industries not eligible: Airlines, Automated Fuel Dispensers, Lodging, Passenger Railways, Restaurants, Vehicle Rentals

1.80% + $0.10

1.92% + $0.10

1.97% + $0.10

2.02% + $0.10

Commercial Face to Face 1N31, 1O31, 1Q31, 1R31, 1S31

• Card and cardholder present• Entire magnetic stripe contents or unaltered proximity chip data included in the electronic authorization request• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Commercial Card Common Data in clearing record must include merchant location postal code and merchant state/province code, country code, merchant tax identification, merchant type code, valid tax amount of 0.1% to 30%, customer code and sales tax indicator• Fleet Cards at fuel locations are excluded from this rate• Interchange compliance test (match between authorization and clearing file) • Industries not eligible: Airlines, Automated Fuel Dispensers, Lodging, Passenger Railways, Restaurants, Vehicle Rentals

2.15% + $0.10

2.32% + $0.10

2.37% + $0.10

2.42% + $0.10

Commercial Face to Face Petroleum 1N28, 1O28, 1Q28, 1R28, 1S27, 1S28

• Card and cardholder present• Entire magnetic stripe contents or unaltered proximity chip data included in the electronic authorization request• Settlement within two business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Commercial Card Common Data in clearing record must include merchant location postal code and merchant state/province code, country code, merchant tax identification, merchant type code & customer code• Fleet Cards at fuel locations are excluded from this rate• Interchange compliance test (match between authorization and clearing file) • Industries not eligible: Airlines, Lodging, Passenger Railways, Restaurants, Vehicle Rentals• MCCs Eligible: 4468 Marinas, Marine Services/Supplies, 5541 Service Stations [with or without Ancillary Services] 5542 Fuel Dispenser, Automated, 5499 Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers—not elsewhere classified 5983 Fuel Dealers—Coal, Fuel Oil, Liquefied Petroleum, Wood, 7511 Truck Stop Transactions9752 U.K. Petrol Stations, Electronic Hot File

2.05% + $0.10

2.17% + $0.10

2.22% + $0.10

2.27% + $0.10

64




Business Enhanced

Business World


Commercial Large Ticket I 1N71, 1O71, 1Q71, 1R71, 1S71

• Trans amount > interchange fee & < $25,000• Electronic auth• Key entry permitted• Settle w/in two business days from tran date• Enhanced info required for settlement: Unique Banknet reference number & Banknet date • Based on tran amount, a tran meeting Lge Tckt specs may be submitted at a different Corp Purchasing program when interchange requirements are met & fee calculates to be more favorable to the merchant• Commercial Card Common Data in clearing record includes: merchant location postal code, merchant state/province code, country code, merchant tax id, merchant type code, tax amount, customer code & sales tax indicator• Commercial Card Line Item Detail in clearing record must include product code, item description, item quantity & exponent, unit of measure, extended item amount, debit/credit indicator. If tran contains a Shipping/Courier MCC of 4214 or 4215 a Shipping/Courier addenda containing all required fields may be submitted in place of the Corporate Line Item Detail addenda. Trans with a Temporary Services MCC of 7361 must submit a Temporary Services addendum including all required fields.• Fleet Card trans at fuel retail locations must contain industry specific data in clearing record• Interchange compliance test • Industries not eligible: Airlines, Lodging, Passenger Railways, Restaurants, Vehicle Rentals

1.25% + $40.00

1.37% + $40.00

1.42% + $40.00

1.47% + $40.00

Commercial Large Ticket II 1N75, 1O75, 1Q75, 1R75, 1S74, 1S75

• Same qualification criteria as Corporate Large Ticket I• Transaction amount between $25,000.01 and $99,999.99

1.25% + $40.00

1.37% + $40.00

1.42% + $40.00

1.47% + $40.00

Commercial Large Ticket III 1N78, 1O78, 1Q78, 1R78, 1S77, 1S78

• Same qualification criteria as Commercial Large Ticket I• Transaction amount $100,000.00 or greater

1.25% + $40.00

1.37% + $40.00

1.42% + $40.00

1.47% + $40.00

Commercial Standard 1N01, 1O01, 1Q01, 1R01, 1S01

• Transactions will fall to Commercial Standard if they fail Banknet date and reference number requirements, or fail Interchange compliance tests

2.95% + $0.10

3.07% + $0.10

3.12% + $0.10

3.17% + $0.10

Commercial T&E I 1N41, 1O41, 1Q41, 1R41, 1S41

• Electronic authorization• Key entry permitted• Settlement within three business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Optional: lodging and vehicle rental addendum record• Interchange compliance test (match between authorization and clearing file) • Valid Industries: Airlines, Passenger Railways, Vehicle Rentals, Lodging, Restaurants (excluding Fast Food)

2.40% 2.62% 2.67% 2.72%

Commercial T&E II 1N81, 1O81, 1Q81, 1R81, 1S81

• Electronic authorization• Key entry permitted• Settlement within three business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Lodging Detail addenda must contain arrival date, departure date, folio number, property phone number, customer service toll-free number• Vehicle Rental Detail addenda must contain rental agreement number, renter name, rental return city, rental return state/province, rental return country, return location ID, rental return date, rental check-out date, customer service toll-free number• Interchange compliance test (match between authorization and clearing file) • Valid Industries: Airlines, Passenger Railways, Vehicle Rentals, Lodging

2.25% + $0.10

2.47% + $0.10

2.52% + $0.10

2.57% + $0.10

65




Business Enhanced

Business World


Commercial T&E III 1N51, 1O51, 1Q51, 1R51, 1S51

• Electronic authorization• Key entry permitted• Settlement within three business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Lodging Detail addenda must contain arrival date, departure date, folio number, property phone number, customer service toll-free number, room rate, room tax, total room nights, fire safety act indicator• Vehicle Rental Detail addenda must contain rental agreement number, renter name, rental return city, rental return state/province, rental return country, return location ID, rental return date, rental check-out date, customer service toll-free number, rental rate, rental location city, rental location state/province, rental location country, rental class ID, tax exempt indicator, days rented• Interchange compliance test (match between authorization and clearing file) • Valid Industries: Airlines, Passenger Railways, Lodging, Vehicle Rentals

2.2%+ $0.10

2.42% + $0.10

2.47% + $0.10

2.52% + $0.10

Business Enhanced Utilities1S54, 1S55


$1.50

Consumer Interregional Commercial Premium1Q03

Acquired in the USKey entry permittedCard has to be: World MasterCard for Business MasterCard Corporate World World Elite MasterCard Business or MasterCard Corporate World Elite

2.00%

Consumer Interregional Commercial Premium (LAC)1Q09

Acquired in the LAC RegionKey entry permittedCard has to be: World MasterCard for Business MasterCard Corporate World World Elite MasterCard Business or MasterCard Corporate World Elite

2.00%

MasterCard World Refund ProgramsCommercial Refund Group 11604, 1605, 1704, 1705

Discount Stores, Drug Stores, Food Stores/Warehouse, Other Transport, Quasi Cash, Recreation, Restaurant/Bars, Utilities

2.37% 2.37% 2.37% 2.37%


Auto Rental, Clothing Stores, Education, Hotel/Motel, Repair Shops, Sporting/Toy Stores, Travel Agencies, Vehicles

2.30% 2.30% 2.30% 2.30%


Airlines, Hardware, Healthcare, Mail Order, Other Retail, Other Services, Professional Services

2.21% 2.21% 2.21% 2.21%


Department Stores, Electronic/Appliance Stores, Gas Stations, Interior Furnishings 2.16% 2.16% 2.16% 2.16%

66

MasterCard Worldwide Qualification CriteriaInternational Programs

Interchange Program Interchange Summary DescriptionCredit Rate Per Item

International - Consumer Electronic (IEI)1232, 1532

• Card and cardholder present• Non-U.S. issued card• Entire magnetic stripe contents or unaltered proximity chip data included in the electronic authorization request• Settlement within five business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Interchange compliance test (match between authorization and clearing file)

1.10%

International - Consumer Standard (ISI)1202, 1502

• Non-U.S. issued card• Transactions will fall to International Standard if International Electronic criteria is not met.

1.60%

International Electronic - Consumer Full UCAF1226, 1526

• Internet tran• Electronic auth• Non-US issued card• E-commerce Security Level Indicator/UCAF Collection must be present and contain the value 2• Terminal Type contains CT6 indicating e-commerce Transaction (CAT Level 6) • Auth log must contain: o POS Entry Mode/POS Terminal PAN Entry Mode 81o E-commerce Security Level Indicator/Security Protocol 0–9o E-commerce Security Level Indicator/Cardholder Authentication 0–9• UCAF Data must be present when Electronic Commerce Security Level Indicator contains a 2• POS Data/POS Cardholder Presence Indicator 5, indicating electronic order• Settle w/in five business days from tran date• MCC in clearing tran identical to MCC in the auth log record• Corporate Card Common Data in clearing record must include merchant location postal code, merchant state/province code, country code• Enhanced information required for settlement: Unique Banknet reference number & Banknet date • Interchange compliance test

1.54%

International Consumer Card Product Interchange rates include Program Support Fees of 0.21% for electronic transactions and 0.41% for non-electronic transactions.

67



International Consumer Card Merchant UCAF1216, 1516

• Internet Tran• Electronic auth• Non-US issued card• E-commerce Security Level Indicator/UCAF Collection must be present and contain the value 1• Terminal Type contains CT6 indicating e-commerce tran (CAT Level 6) • Auth log must contain: o POS Entry Mode/POS Terminal PAN Entry Mode 81o E-commerce Security Level Indicator/Security Protocol 0–9o E-commerce Security Level Indicator/Cardholder Authentication 0–9• UCAF Data must be present when Electronic Commerce Security Level Indicator contains a 1• POS Data/POS Cardholder Presence Indicator 5, indicating electronic order• POS Data/Cardholder-Activated Terminal Level Indicator 6, indicating e-commerce (CAT6) • Settle w/in five business days from tran date• MCC in clearing tran identical to MCC in auth log record• Corporate Card Common Data in clearing record must include merchant location postal code, merchant state/province code, country code• Enhanced information required for settlement: Unique Banknet reference number & Banknet date • Interchange compliance test

1.44%

MasterCard International Commercial Interchange Programs

International Purchasing Large Ticket 1772

• Non-U.S. issued card• Electronic authorization• Key entry permitted• Settlement within thirty business days from transaction date• Applies to Purchasing Card or Fleet Card only• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured) • Depending on the transaction amount, a transaction meeting the Large Ticket requirements may be submitted at a different Corporate Purchasing program when the interchange requirements are met and the fee calculates to be more favorable to the merchant• Industries not eligible: Airlines, Lodging, Passenger Railways, Restaurants, Vehicle Rentals

0.90% $30.00


68



International Purchasing Data Rate II 1722

• Electronic authorization• Key entry permitted• Non-U.S. issued card• Applies to Purchasing Cards at eligible industries or Fleet Cards at non-fuel retail locations only• Settlement within five business days from transaction date• Enhanced information required for settlement: Unique Banknet reference number and Banknet date (date authorization is captured)• Corporate Card Common Data in clearing record must include merchant location postal code, merchant state/province code, country code, merchant tax identification, merchant type code, tax amount, customer code and sales tax indicator

1.70%

International Commercial Purchasing 1702

• Non-U.S. issued card• Key entry permitted• Applies to Purchasing Card or Fleet Card only• Transactions fall to International Purchasing if they fail to meet other International Purchasing program requirements

2.00%

International Commercial 1602

• Non-U.S. issued card• Key entry permitted• Applies to Business Card or Corporate Card only• Transactions fall to International Corporate if they fail to meet other International Corporate Card program requirements.

2.00%

Interregional Electronic Card Consumer Acquired outside the US Region1J02

• MasterCard® Electronic™ Card & Prepaid MasterCard Electronic Card• Non-U.S. issued card• Magnetic stripe data required• Settlement within thirty business days from transaction date• Approval code required

1.10%

Interregional MasterCard Electronic Card Consumer Acquired in the U.S. Region1J06

• MasterCard® Electronic™ Card & Prepaid MasterCard Electronic Card• Non-U.S. issued card• Magnetic stripe data required• Settlement within 5 business days from transaction date• Approval code required• Banknet Reference number required

1.10%

Interregional MasterCard Electronic Card Commercial1659

• MasterCard® Electronic Business Card & MasterCard® Electronic Commercial• Non-U.S. issued card• Magnetic stripe data required, except internet transactions• Approval code required• MCC's except: 5542, 5960, 5962, 5964 - 5969• Card Acceptor Type & Tax ID required

1.85%


69

Discover Qualification Programs

Interchange Program Interchange Summary Description Credit Rate Premium Rate Rewards Rate Debit RatePrime Recurring Payments 1D91 (credit)1E91 (debit)1G91 (premium)1H91 (rewards)

Approved authorization response received; processing code included and equal to address verification with authorization for recurring billing, recurring billing, installment payment or subscription; CVV data must be present in the authorization request if POS entry mode equals magnetic stripe, radio frequency identification indicator or mobile commerce; deposit date within two days of transaction date.Only MCCs 4812, 4814, 4899, 4900, 5960, 5968, 6300, 7298, 7997, 8675, 8699 are eligible.

1.20% + $0.05 1.20% + $0.05 1.20% + $0.05 1.20% + $0.05

Prime Utilities 1D95 (credit)1E95 (debit)1G95 (premium)1H95 (rewards)

Approved authorization response received; deposit date within two days of transaction date.Only MCC 4900 is eligible.

0.00% + $0.75 0.00% + $0.75 0.00% + $0.75 0.00% + $0.75

Prime Real Estate 1D15 (credit)1E15 (debit)1G15 (premium)1H15 (rewards)

Approved authorization response received; deposit date within three days of transaction date.Only MCC 6513 is eligible.

1.10% + $0.00 1.10% + $0.00 1.10% + $0.00 1.10% + $0.00

Prime Insurance 1D55 (credit)1E55 (debit)1G55 (premium)1H55 (rewards)

Approved authorization response received; deposit date within three days of transaction date.Only MCCs 5960 or 6300 are eligible.

1.43% + $0.05 1.43% + $0.05 1.43% + $0.05 0.80% + $0.25

Prime Supermarkets1D81 (credit)1E81 (debit)1E85 (debit - cap)1G81 (premium)1H81 (rewards)

Approved authorization response received; POS entry mode equal to magnetic stripe, radio frequency identification indicator, mobile commerce or biometrics; CVV data must be present in the authorization request if POS entry mode equals magnetic stripe, radio frequency identification indicator or mobile commerce; deposit date within two days of transaction date.Only MCCs 5300 or 5411 are eligible.

1.40% + $0.05 1.65% + $0.05 1.65% + $0.05 (1.02% + $0.16)(0.00% + $0.36)

Prime Emerging Markets1D75 (credit)1E75 (debit)1G75 (premium)1H75 (rewards)

Approved authorization response received; deposit date within three days of transaction date.Only MCCs 4899, 5968, 5983, 8211, 8220, 8299, 8351, 8398 are eligible.

1.45% + $0.05 1.45% + $0.05 1.45% + $0.05 0.90% + $0.20

Prime Public Services1D71 (credit)1E71 (debit)1G71 (premium)1H71 (rewards)

Approved authorization response received; deposit date within three days of transaction date.Only MCCs 9211, 9222, 9223, 9311, 9399 are eligible.

1.50% + $0.10 1.50% + $0.10 1.50% + $0.10 0.90% + $0.20

Prime Express Services1D61 (credit)1E61 (debit)1G61 (premium)1H61 (rewards)

Approved authorization response received; POS entry mode equal to magnetic stripe, radio frequency identification indicator, mobile commerce or biometrics; CVV data must be present in the authorization request if POS entry mode equals magnetic stripe, radio frequency identification indicator or mobile commerce; transaction amount less than or equal to $15.00 ($25.00 for MCC 4121); deposit date within two days of transaction date.Only MCCs 4111, 4121, 4131, 4784, 5812, 5814, 5994, 7211, 7216, 7338, 7523, 7542, 7832, 7841 are eligible.

1.70% + $0.03 1.70% + $0.03 1.70% + $0.03 1.55% + $0.04

Prime Petroleum1D51 (credit)1E51 (debit)1G51 (premium)1H51 (rewards)


1.55% + $0.05 1.73% + $0.05 1.73% + $0.05 0.76% + $0.16

The Discover rates shall only apply if First National Bank of Omaha settles payment for Discover transactions for the Merchant.

70


Interchange Program Interchange Summary Description Credit Rate Premium Rate Rewards Rate Debit RatePrime Retail 1D41(credit)1E41 (debit)1G41 (premium)1H41 (rewards)

Approved authorization response received; POS entry mode equal to magnetic stripe, radio frequency identification indicator, mobile commerce or biometrics; CVV data must be present in the authorization request if POS entry mode equals magnetic stripe, radio frequency identification indicator or mobile commerce; deposit date within two days of transaction date.Supermarkets/Warehouse Clubs, Petroleum, Restaurants, Hotels/Car Rentals, Public Services, Utilities, Emerging Markets, Quasi Cash, Real Estate, Insurance and High Risk MCCs are not eligible.

1.56% + $0.10 1.71% + $0.10 1.71% + $0.10 1.02% + $0.16

Prime Restaurants 1D35 (credit)1E35 (debit)1G35 (premium)1H35 (rewards)


1.56% + $0.10 2.20% + $0.10 1.90% + $0.10 1.19% + $0.10

Prime Hotels/Car Rentals 1D31 (credit)1E31 (debit)1G31 (premium)1H31 (rewards)

Approved authorization response received; CVV data must be present in the authorization request if POS entry mode equals magnetic stripe, radio frequency identification indicator or mobile commerce; deposit date within two days of transaction date.Only MCCs 3351-3441, 3501-3999, 7011, 7012, 7512, 7513, 7519 are eligible.

1.58% + $0.10 2.30% + $0.10 1.90% + $0.10 1.35% + $0.16

Prime Card Not Present/E-Commerce 1D21 (credit)1E21 (debit)1G21 (premium)1H21 (rewards)

Approved authorization response received; POS entry mode equal to manual or electronic commerce; card presence indicator equal to card not present; AVS request submitted in authorization; deposit date within two days of transaction date.Hotels/Car Rentals, Public Services, Utilities, Emerging Markets, Quasi Cash, Real Estate, Insurance and High Risk MCCs are not eligible.

1.87% + $0.10 2.00% + $0.10 1.97% + $0.10 1.62% + $0.16

Prime Key Entry1D11 (credit)1E11 (debit)1G11 (premium)1H11 (rewards)

Approved authorization response received; POS entry mode equal to manual or card present magstripe is defective and cannot be read; card presence indicator equal to card present; deposit date within two days of transaction date.Hotels/Car Rentals, Public Services, Utilities, Emerging Markets, Quasi Cash, Real Estate, Insurance and High Risk MCCs are not eligible.

1.87% + $0.10 2.00% + $0.10 1.97% + $0.10 1.62% + $0.16

Mid Submission Level1D05 (credit)1E05 (debit)1H05 (rewards)

Approved authorization response received; deposit date within three days of transaction date.High Risk MCCs are not eligible.

2.40% + $0.10 2.40% + $0.10 1.72% +$0.20

Mid Submission Level Premium1G05

Approved authorization response received; deposit date within three days of transaction date.MCCs for Hotels/Car Rentals and High Risk MCCs are not eligible.

2.40% + $0.10

Base Submission Level1D01 (credit)1E01 (debit)1G01 (premium)1H01 (rewards)

Deposit date within 60 days of transaction date. 2.95% + $0.10 2.95% + $0.10 2.95% + $0.10 1.89% + $0.25

Commercial Utilities1F95

Approved authorization response received; deposit date within two days of transaction date.Only MCC 4900 is eligible.

0.00% + $1.50


71


Interchange Program Interchange Summary Description Credit Rate Premium Rate Rewards Rate Debit RateCommercial Electronic1F11

Approved authorization response received; CVV data must be present in the authorization request if POS entry mode equals magnetic stripe, radio frequency identification indicator or mobile commerce; AVS request submitted in authorization for card not present transactions except for High Risk MCCs (5962, 5966, 5967); deposit date within three days of transaction date for Emerging Markets and Public Services MCCs and within two days of transaction date for all other MCCs.

2.30% + $0.10

Commercial Base1F01

Deposit date within 60 days of transaction date. 2.95% + $0.10

International Electronic Program1D06

Diners International only cards.Approved authorization response received; POS entry mode equal to magnetic stripe, radio frequency identification indicator, mobile commerce or biometrics; CVV data must be present in the authorization request if POS entry mode equals magnetic stripe, radio frequency identification indicator or mobile commerce; deposit date within 5 days of transaction. All except high risk.

1.16% + $0.00

International Base Program1D02

Diners International only cards.Deposit date within 60 days of transaction date.

1.70% + $0.10

Consumer Core Consumer Adjustment Voucher Program 1: Direct Marketing MCCs 1D25 (credit)1E25 (debit)1G25 (premium)1H25 (rewards)

Adjustment Voucher Programs are Acquirer Interchange Programs for Credits. Credits are assigned to an Adjustment Voucher Program based on the type of Card product and Merchant Category Code involved in the underlying Card Sale. Valid MCC's 5960, 5962, 5964, 5965, 5966, 5967, 5968, 5969

2.07% 2.07% 2.07% 1.80%

Consumer Core Consumer Adjustment Voucher Program 3: Non Direct Marketing/ Passenger Transport 1D45 (credit)1E45 (debit)1G45 (premium)1H45 (rewards)

Adjustment Voucher Programs are Acquirer Interchange Programs for Credits. Credits are assigned to an Adjustment Voucher Program based on the type of Card product and Merchant Category Code involved in the underlying Card Sale. All other MCC's.

1.75% 1.75% 1.75% 1.35%

International Adjustment Voucher Program 1D26

Adjustment Voucher Programs are Acquirer Interchange Programs for Credits. Credits are assigned to an Adjustment Voucher Program based on the type of Card product of International cards.

0.00% + $0.00

Commercial Adjustment Voucher Program 1F15

Adjustment Voucher Programs are Acquirer Interchange Programs for Credits. Credits are assigned to an Adjustment Voucher Program based on the type of Card product of Commercial Cards.

2.25% + $0.00


72

Debit Networks

ATM/Debit Network FeesNetwork FeeInterlink Network Interlink Standard 0.95% + $0.20 1800 1970Interlink Qualified Supermarket 0.95% + $0.20 1801 1971 ($0.35 max)Interlink Qualified Supermarket Maximum $0.35 ($0.35 max)Interlink Fuel 0.75% + $0.17 1803 1903 ($0.95 max)Interlink Fuel Maximum $0.95 1804 1904 ($0.95 max)Maestro Network (effective Nov 1, 2009)Maestro 0.90% + $0.15 1810 1972 (no max)Maestro Supermarket/Warehouse 1.05% + $0.15 1813 1927 ($0.35 max)Maestro Supermarket/Warehouse Maximum $0.35 1806 1906 ($0.35 max)Maestro Convenience Stores 0.75% + $0.17 1814 1928 ($0.95 max)Maestro Convenience Stores Maximum $0.95 1816 1930 ($0.95 max)Star NetworkStar 0.80% + $0.18 1820 1973 (no max)Star Medical-transaction < $15.00 1.20% + $0.21 1851 1951Star Medical-transaction > $15.01 0.80% + $0.18 1820 1973 (no max)Star Small Ticket Retail < $10.00 1.25% + $0.16 1852 1952Star Small Ticket Retail > $10.01 0.80% + $0.18 1820 1973 (no max)Star Grocery $0.27 1822 1932Star QSR 1.25% + $0.16 1823 1933 (no max)Star Petroleum 0.80% + $0.14 1824 1920 (no max)NYCE Network NYCE 0.75% + $0.17 1835 1976 ($0.26 min)NYCE Other Minimum $0.26 1830 1915 ($0.26 min)NYCE Grocery $0.26 1836 1934NYCE Petroleum 0.85% + $0.15 1831 1916 ($0.26 min)NYCE Petroleum Minimum $0.26 1832 1917 ($0.26 min)NYCE QSR 0.55% + $0.065 1837 1935 ($0.185 min; $0.50 max)NYCE QSR Minimum $0.185 1833 1918 ($0.185 min)NYCE QSR Maximum $0.50 1838 1936 ($0.50 max)Pulse Network Pulse Retail 0.74% + $0.10 1840 1977Pulse Grocery $0.215 1843 1943Pulse Petroleum 0.74% + $0.10 1844 1944Accel Network Accel 0.75% + $0.15 1845 1978 (no max)Accel Grocery $0.25 1847 1938Accel QSR 1.25% + $0.03 1848 1948 ($0.45 max)Accel QSR Maximum $0.45 1849 1949 ($0.45 max)Shazam NetworkShazam 0.75% + $0.15 1855 1980 (no max)Shazam Petroleum 0.75% + $0.13 1858 1958 (no max)Shazam QSR 1.25% + $0.05 1865 1965 (no max)Shazam Small Ticket Transaction < $25 1.25% + $0.05 1867 1967 (no max)Shazam Grocery $0.21 1856 1939AFFN Network AFFN 0.65% + $0.12 1875 1984 ($0.50 max)AFFN Maximum $0.50 1876 1986 ($0.50 max)AFFN Major Merchants 0.50% + $0.065 1877 1987 ($0.40 max)AFFN Major Merchants Maximum $0.40 1878 1988 ($0.40 max)AFFN Supermarket $0.17 1879 1989Alaska Option Network Alaska Option $0.26 1805 1905

Charge Types

73

Economy & Finance

Interchange Summary April2010