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WEX Fleet Cards and open -loop credit cards both offer fleet managers the ability to track and set controls on fuel spend. However, the WEX closed -loop solution provides more in-depth transaction data, greater flexibility and security, and tighter controls than open -loop credit cards. Greater Access to Level III Data: All WEX-accepting merchants are required to be capable of transmitting Level III data, and that level of data is transmitted on 99.8% of transactions. When a driver swipes the card, the point -of -sale device prompts him or her to enter the Authorization Prompt ID and odometer reading. Level III line -item detail allows fleet managers to better track expenditures and facilitates cost analyses, vehicle life -cycle analyses, and overall fleet management. For example, entering the correct odometer reading helps provide valuable vehicle information such as cost per mile, miles per gallon, vehicle operating costs, and intelligence for preventive maintenance schedules and vehicle replacements. It can also help streamline administrative operations, reducing the time and resources devoted to accounting. Additionally, the WEX proprietary closed -loop network removes the need for fleets to have to perform site lockouts for merchants that do not transmit Level III Data on open -loop networks. Site lockouts can significantly reduce the number of accepting locations of an open -loop network card. This can be highly problematic for drivers utilizing open -loop solutions as they may pull up to a station that will decline their card due to merchant not being able to transmit Level III Data on an open loop solutions. This is not an issue for WEX's proprietary closed -loop network. The WEX closed -loop proprietary network has an added advantage for government fleets eligible fuel tax exemptions. The IRS requires Level III Data to be included in that transaction data in order for a Credit Card Issuer to invoice a fleet net of the eligible taxes. These are typically Federal Excise Taxes for unleaded and diesel fuel and can have a significant impact to the bottom line for a fleet if they are not exempted up front by the fuel card provider. Transactions on an open -loop network where Level III Data is not present are not eligible for tax exemptions by the fuel card issuer. Greater Security: The cardholder is required to enter an Authorization Prompt ID for each transaction. This helps prevent the card's use in case of loss or theft. Authorization Prompt IDS make fleet cards more secure and help limit internal and external fraud. The Authorization Prompt ID can be linked to a specific purchase profile in WEXOnlineo, providing further security by limiting expenditures to certain types of purchases, at specific dollar levels, and during specific timeframes. Contrast this to a typical credit card, which usually requires no additional verification. WEX customer have the ability to choose between Fuel Only cards and Custom Control cards Fuel Only cards permit the purchase of fuel -- such as gasoline, diesel, or alternative fuels -- based on the coding in the card's magnetic strip. Non -fuel purchases are not permitted when non -fuel items are identified at the time of authorization. It does not prevent items such as car washes paid for at the pump as merchant devices do not send this authorization request to us. Custom Control cards permit all allowed types of purchases, based on the coding in the magnetic strip, at WEX accepting locations. This includes fuel, maintenance, and other items, such as general merchandise. Fleet managers have the option to apply Product Type Controls, allowing certain product categories to be allowed or blocked. For example, "General Merchandise" could MASTER AGREEMENT No. 00819 — FLEET CARD SERVICES PAGE 84 OF 138