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Page 2 of l t Key Card Processing Terms in Plain Language • Total Amount You Submitted-The total dollar amount of interchange Charges-These are the variable fees charged card transactions submitted and processed during the by Card Organizations for processing transactions.Factors that Statement Period. affect Interchange Charges include card type,information contained in the transaction,and hawfwhen the transaction Third-Party Transactions-These are transactions that are was processed. passed directly to third party service providers for processing and/or funding.Common third-parties include American Service Charges-Also known as Discount Rate;the amounts Express®and Discover. charged to authorize,process and settle card transactions. Chargebacks/Reversals-Those transactions that we Fees-The range of transaction-based and/or fixed amounts challenged or disputed by a cardholder or card-issuing bank. charged for specific card processing services. A Chargeback equals the transaction amount that is disputed by the cardholder or card-issuing bank.A Reversal is the amount Total Amount Funded to Your Bank-The total dollar that was initially resolved against the merchant,but has amount of credited/paid to your account transactions during subsequently been resolved in favor of the merchant the Statement Period. Adjustments-The amounts credited to,or deducted from,your Merchant Number-The unique account number assigned to account to resolve processing and billing discrepancies. every merchant and merchant location.You'll find it at the top of your statement. IMPORTANT INFORMATION ABOUT YOUR ACCOUNT IMPORTANT NOTICE:MasterCard and Visa recently announced changes to their operating rules and regulations to allow merchants to charge extra fees(called surcharging)to customers who pay with a MasterCard or Visa credit card,subject to certain requirements.The rule changes,effective January 27,2013,resulted from a class settlement agreement ('settlements)to resolve antitrust claims involving MasterCard and Visa's interchange and merchant acceptance rules in the U.S.and its territories.Details regarding the proposed settlement can be found at www.paymentcardsettlement.com.As part of the settlement.MasterCard and Visa acquirers must send their merchants in the U.S.and its territories the enclosed written notification(last pages in this statement).An electronic version of the merchant notifications and further information can be found at each respective card brands website www.visa.com/merchantsurcharging and www.mastercardmercmant.com. Note:The enclosed notices explain how you must notify the appropriate card brand(s).We will provide further information on how you can notify us of your intent to surcharge in either a future statement message or letter.The new rules also require you to clearly dsdose the surcharge.We are making updates to our systems and specifications to allow merchants to supply this additional fine item in the transaction receipt.We anticipate that merchants will have surcharge capability by mid to late 2013.Any changes made will require you to update your current POS solution which Could incur an additional expense to accommodate the surcharge line item.If you have any questions,please contact Customer Service by calling the phone number listed on this statement. Please nob that Important messages may continue or appear on the thtrd page or this merchant statement Review the third page of this statement for any continued or additional messages. PO BOX 407066.FT LAUDERDALE,Ft. 33340-7066 0155951 0000011208664/C 3 P0042C P I N 002/1567010005/168210 101 02 000000