INTERCHANGE RATE SCHEDULE (Effective April, 20 I.+)

This Interchange Rate chedule contains a summar~ of the primar~ qualification criteria established b~ Visa®, MasterCard®. and Discovel"ll> Networl.. (sometimes referred to as Discover) f(>r most interchange p rograms - it is not a ll

inclusive. In the event of ru1~ ambiguit~ or conflic1. the interchange requirements established b~ the Card Organizations (sometimes referred to as associations) will determine the interchange programs at which ~our transactions 4ualif.'.

For a complete li st, call the number on~ our merchant statement. Please note that Discover Network fees apply onl~ to Discover transactions acqui red b~ Bank of America Merchant Service,. For more information regarding~ our Rates

and fees, please call Customer Service.

Rates

Progr am Rate Catego~ Fee Per Per Transact ion Q ualification Infor m a tion

Sales S Item

VISA

CPS I Retail Credit 1.51•. S0.10 Consumer Traditional Cards. Card Present I Magnetic Stripe Read I Signature Obtained I Authoriied. Purchase date must be" ithin I da' of au1h dale. For llotel and Car Rental: Folio I Rental Agreement number and checl.-in I cheek-out dates required. For Passenger Transport: full itinerar) required (including ticket number, pa.senger name, and trip leg dnt:ll: transactions that include ancill~ data (ancilla~ service categor~ I , ancillar~ ticket document number, issued in connect ion with ticl.et number, and passenger nnme) are not eligible for this 1uogram. Bill 1•:1~ mem transactions must include bill payment

CPS I Retail Debic 0.80% S0.15 indicators. Aulhorization and settlement m11ou111 on check card transact ions do not need to match for certain merchant segments (Taxis and I .imousines - 412 1, Bars and Taverns - 58 13, 13eauly and Barber Shops - 7230, Health and Beauty Spas - 7298). Supennarl.ets (5411). Service Stations (554 1). Restaurants (5812, 5814), and High Risk (5962. 5966, 5967) not eligible for th is program. Consumer debit and

CPS I Retail Prepaid 1.15~. S0.15 prepaid transactions al Hotels (3501-3999. 7011), Car Rl'ntal (3351-3441, 7512), Passenger Transport (3000-3299, 4511, -11121, Cruise Lines I Steamships c-1-1 11 ). Tra,el Agencies & Tour Operators (4722) not eligible for this program. Maximum 2 da~ s to deposu & settle.

Regulated Consumer Debit and Prepaid, Business Debit, and Commercial Prepaid Cards ident illed by Issuers and Card Organi1~11 ionsas being subject to th~ June 29. 20 11 Federa l Reserve final rule on Debit Regulated Debit o.os·~ S0.22 Card inccrchange. Authoriza1ion required. CPS requirements recommended but not required. Regulated Consumer Debit and Prepaid transactions 1hat mce1 <jualificaiions for the CPS!Small Ticker Regulated

Debit program are not eligible for this program. Ma\imum 30 da~s to deposit & scule.

CPS I Restnurant Credit 1.54% SO. JO

CPS I Restaurant Debit 1. 190,o $0. 10 Consumer Traditional Cards. Same requirements as CPS1Retail. Authorized amount does not have to match transaction amount. Authorization and magnet i" stripe required. Purchase date must be within I da~ of auth dale. Eligible Merchants: Restaurants (58 12) and Fast Food Res1aurants (5814). Maximum 2 da~ s to deposic & sett le.

CPS I Restaurant Prepaid us•. SO.IS

CPS I Rewords I 1.65% $0. 10 Consumer Traditional Rewards card that meec existing miuirements for CPS/Retail or CPSISupemmrket. Visa Signature and Infinite cards nt non-Travel Services merchants (3000-3999, 41 12, 4411, 4S I 1. 4722, 5812, 5814, 70 11, 75 12). Visa Signacure c.ards m mcrchanis that participate in the Retail or Supennarkc1 Perfon11ancc Threshold (Tien MVV interchange programs. Maximum 2 da~ s to deposit & sellle.

Consumer Traditional Rewards card that meet e.~isting requirements for CPS/Card Not Present, CPS/Retail Ke~ Ent~-. or CPS1E-Commerce Basic, CPS/E-Commerce Preferred: Hotel/Car Rental & Passenger CPS I Rewards 2 l.95~o S0.10 Transport, CPStHotel & Car Rental : Card Present I Card Not Present, and CPS/Passenger Transport and CPS Restaurant. Signature and lnfimte cards that meet existing CPS-Card Not Present, CPS/Retail Ke~

Enlr) , and CPS/E-Commcrce Basic b~ non-Travel Services merchants (3000-3999. 4112, 4411 , 4511, 4722, 5812. 5814, 70 11 . 75 12). Maximum 2 da) s 10 <kposil & scnle.

CPS I Small Ticket Credit 1.65°0 S004 Trnditional, Traditional Rewards, Signature and lnfini1e consumer cards. Regulated Consumer Debit and Prepaid Cards ideniificd by Issuers and Card Organizations as being subject LO the June 29, 20 I l Federal Reserw final rule on Debit Card interchange are eligible for the CPS/Small Ticket Regulated Debit rate. Card present I magnetic stri1>e read and authorized. Signature not required. Bill payment transactions must include bill payment indicators. Purchase date must be within I da~ of auth date. Eligible Merchants include all merchants " uh the e~ception of: Mone~ Transfer (4829), Automated Fuel

CPS I Small Ticket Debit I .SS~. $0.04 Dispensers (5542), Direct Marketing - Insurance (5960). Direct Muri.cling - Travel Arra11gement (5962), Direct Markecing - Catalog (5964). Direct Marl.eting - Combinat ion Catalog & Retail (5965), Direct Marl-cting - Outbound Telemarketing (5966), Direct Muri.cling - Inbound Telemarketing (5967), Direct Marketing - Cominuil) I SubscriptiM (5968), Direct Marketing - Other (5969), Manual Cash (6010),

CPS I Small Ticket Prepaid J.60•. SO.OS Automated Cash (60 11). Financial Institutions - Merchandise & Services (60 12). Bening I Casinos I Race Tracks (7995), lmra-Govemmenl l'urchases (9405 ). UK Supennarkets (975 I). UK Petrol Stations (9752). and lnua-Compan~ Purchases (99SO). Transaction amount must be less than or equal to S 15.00. Small Ticl.et transactions from merchants that partic1pa1e in Retail or Supennar~ct Perfonnancc

CPS I Small Ticket Debit R~gulated 0.05% S0.22 Th reshold (Tier) MVV interchange programs are eligible for thi s program. Smal l Ticl..et Credit eligible transactions will qualif~ for the follO\\ing MVV interchange programs: Utilities, Debt Repayment, and Debit Tax Payment. Ma.ximum 2 da~ s to d~posit & scnle.

CPS I Retail Ke~ Entered Cro?dit i.so-;, S0.10 Consumer Traditional Cards. Key-Entered due to inabilit) co read magnet ic stripe. All requirements of CPS/Retail e.xcept magnetic stripe rc.,d. AuthorizalHll\ requ ired. Address Verification Required with a positive match on Zip Code or full address. For hotel and car rental (3300-3799. 7011. 75121: Foho I Rental Agreement number and checl.-in I check-out d:ites required. For Passenger Trnnspon (3000-3299.

CPS I Re1;1il Ke~ Entered Oebi1 1.65% S0.15 4112, 45 11 ): ticket number ru1d itinera~ required; lr:tnsactions chat include ancilla~ data (ancilln~ service catcgo~ I. ancilla~ ticket documenl number. i-sued in connection with ticket number, and pm;senger name) are nol eligible for th is progrum. Bill payment transactions must include bill pai men! indicators. Purchase date must be within Ida~ ,,f auth date. A1110111a1ed Fuel (5542 ), Direct Marketing (5960. 5962.

CPS t Re1ail Key Entered Prcpi1id 1.1s•. S0.20 59M-5969), Cardholdcr Aclivated Tem1inal merchants arl! not eligible for this progi-.sm. Credit transactions at Quasi-Cash (605 I) me.rchan1s 1101 eligible for this program. Mn,i111um 2 do~ s to deposit & sellk.

CPS I Card Not Present Credit l.80"0 S0.10 Consumer Traditional Cards. Card Not Present I Signacure Not Obtained I Mail or Phone Order. Address Verilicauon required unless Healthcare (4119, 5915. 5976. 7277, SO 11 , 8021, 8031. 8041, 8042. 804-~.

CPS I Card Not Present Debit l .65% $0. IS 8049, 8050, 8062, 8071. 8099), Emerging Market (9211 , 9222, 9399, 82 t I, 8220, 8299, 5960, 6300, 4899, 481 4. 65 13, 5968. 5983, 835 I, 8:198), or Utilicb (4900). Customor Service phone number and invoice I order number required. Authorization required. Purchase duce must be within 7 days of 1>uth dale. Authoriz.11ion and sc1tlemen1 anwunts must nrn1ch. Bill payment trnnsactions must include bill

CPS I Card Noc Present Prepaid 1.15•. $0.20 pa) 111ent indicators. Ma,imum 2 da~ s to deposit & sc11k

CPS I E-Commerce Basic Credit 1.so•. SO.JO Consumer Traditional Cards. Same requiremenlS as CPS Card Not Present but transac1ion tal.es pince in a secure Internet en' ironment. Authorization required. Address Verification required unless Emerging

CPS I E-Co111111erce Basic Debit 1.()5% SO. IS Market (9211, 9222, 9399, 82 11, 8220, 8299, 5960, 6300. 4899, 4814, 6513, 5968, 5983, 8351, 8398), or Utilities (4900}. E-Commerce requires additio1rnl data fields in authorization and se11lement . Bill pa~ men! transactions must include bill paymem indicators. Purchase date must be within 7 days of auth date (Or within 3 da~ s for Transaction Aggrega1io11 trnnsac1ions). Authorization nmount for Transaction

CPS I E-Commerce Basic Prepaid 1.75 .. S0.20 Aggregation transactions must not e~ce<?<l S 15.00. Maximum 2 da~ s to deposit & settle.

CPS I E-Commerce Prcferr~d Credit 1.so•. S0.10

CPS I E-Co111111erce Preferred Debit 1.60% $0. 15 Tradition:il. Traditional Rewards. Signature and Infinite consumer cards. Same requirements as E- Commerce Basic, except require Cardhokkr Authenticnuon Value ICA VV). Autltori1.1tion t1.'quired. Rcquir~ Verified b) Visa. Maximum 2 days to deposit & sett le.

CPS I E-Comm Preferred Prepaid I 7S0 o so 20

( IPI) RAMS.MVO.Sl4. l.lC_Gross-1-2014 Page

INTERCHANGE RATE SCHEDULE (Effective April, 2014) Ra1cs

Program Ra1c Ca1egor~· Fee Per Per Transaction Q uulilicaHon Information

Sales S Item

CPS I Supermarket Credit 1.22% S0.05 Consumer Traditional Cards. Merchant is ccnified with Visa . Same requirements as CPS!Retail. No signature required if transactions S25.00 or less. Authorization and magnetic stripe i<-quired. Authorizmion

CPS I Supermarket Debit 0.00% SO.JO and sett leoncnt amounts must match for consumer debit and prepaid transactions. Cap of S0.35 for consumer prepaid transactions onl~. Purchase dnte must be within I da~ of auth date. Eligible Merchants:

CPS I Supermartet Prepaid 1.15% $0. 15 Supernrnrkets (54 1 I ). Mn~imuon 2 days to deposit & senle.

CP~ Hotel I Car: CP Credit 1.54°'o S0. 10 Consumer Traditional Cards. Hotel I Car Rental merchan1. Authorized. Card is present. Magnetic stripe read and signature obtained. Estimated length of sta~ required in authorization. Folio I Rental Agreement CPS I Hotel I Car: CP Debit 1.19% S0.10 number aud check-in I ched.-out dates required. One or more authorizations obtained. Authoriz:it1on amount within 15°0 of transaction amount for H0tcl or \\'ithin 15 .. of transaction amount or $75.00.

CPS f Hotel I Car: CP Prepaid 1.15% $0. 15 whichever is greater, for Car Rental. Purchase dare must be the S3mc as hotel check-out date or car return date. Mn.\lmum 2 da) s to deposit & settle.

CPS I Hotel I Car: CNP Credit 1.54% S0. 10 Consumer Traditional Cards. Hotel I Car Rental merchant. Authorized. Card not presen1. Estimotcd length of stay ond Preferred Customer indicator required in authorization. Folio I Rcntol Agreement number, CP5 I Hotel I Car: CNP Debit 1.10•. SO.IS no show indicator, and check-in I check-out dates required. One or more authorizations obtained. Authorization amount within 15°0 of transaction amount for Hotel or within 15% of transaction amount or

CPS I Hotel I Car: CNP Prepaid l.7S% S0.20 S75.00. \\hichever is greater, for Car Rental. Purchase date must be the same as hotel check-out date or car return date. Ma.~imum 2 da~s to deposit & settle.

CPS I Hotel I Car: E·Commerce 1.54% $0. 10.

Preferred Credit Consumer Traditional Cards. Hotel I Car Rental merchant. Authorized. Card not presenl. Estimated length of sta) and Preferred Customer indicator required in authoriziu ion. Folio I Rentul Agreement 1111111ber. CPS I Motel I Car: E-Commerce

1.70°0 S0.15 no show indicator, and check-in I check-out dates required. One or more nuthoriLStions obtained. Authorization amount within 15~. of Lransaction amount for Hotel or within 15% of transact ion amount or

Preferred Debit S75.00. "hiche,er is greater. for Car Rental. Purchase date n>uSI be the same as hotel check-out date or car return date. £-Commerce requires additional data fields in authorization and settlement. Requires

CP I H0tel I Car: E·Commerce 1.75'% S0.20

Verified b~ Visa. Ma.\imum 2 da's to deposit & settle.

Preferred Prepaid

CPS I Retail 2 Credit 1.43% $0.05 Traditio1rnl. Traditional Rewards, Signature and lnfini1e consumer cards that meet the existing requirements of CPSJRetail, CPS/Retnil Key Enu-y. CPS/Curd Not Present, CPStE-Commcrce Basic, or CPSIE-Commerce Preferred. Consumer debit and prepaid transactions that meet CPS/Retail or CPS/Retail Key Entr~ are not eligible for this program. Authoriz.ition r<~quired. Eligible Merchmlls: Court Costs (9211 ).

CP Retail 2 Deb11 o.65°. S0.15 Fines (9222). Government Services (9399), Colleges I Unive1">ities I Professional Schools (8220), Elementary & Secondary Schools (8211 ). Schools· Other (8299). Insurance (5960, 6300). Cable and 0 1her TV SerYices 14899). Subscripuons (5968), Fuel Dea lers (5983), Chi ld Care Se"•ices (8351 ), consumer debit and prepaid transactions on l~ at Charitable & Social Se"•ice Organizations (8~98), Telecommunication

CP I Retail 2 Prepa id 0.65% $0.15 Services (48 14). and Real Estate Agents & Managers· Rentals (6513). Cap of$2.00 on consumer debit and prepaid transactions. Ma, imum 2 da) s to deposit & settle.

CP I Chari~ Credit 1.35°'o SO.OS Traditional, Traditional Rewards, Signature, Consumer Credit Spend, and Signature Preferred consumer credit cards that meet existing requirements for CPS/Retail. CPS/Card Not Present. CPS/Retail Key Em~, Cl'SiE-Commerce Basic, CPSIE-Commerce Preferred Eligible Merchants: Charitable & Social Service Organizations (8398). Ma.,imum 2 da) s to deposit & seule.

CP I Auto Fuel Dispenser Credit 1.15% $0.25 Traditional, Traditional Rewards. Signature and Infinite consumer cards. Fuel Dispensing merchant who is cenified \\ith Visa. Same requirements as CPS/Re.tail except signature obtained. Must be less than or

CPS I Auto Fuel Dispenser Debit 0.80% S0.15 equal to $125.00 (or $500.00 for transactions submitted via Real Time Clearing). May be authorized for full amount or for $1.00. Magnetic stripe required. Cardholder Activated Tem1inal (CAT) indicator must be present. Purchase date must be within I da) of auth date. Eligible Merchants: Automated Fuel Dispensers (5542). Cap of S0.95 on consumer debit and prepaid transactions. and cap of $1. 10 on consumer

CPS I Auto Fuel Dispenser Prepaid I.I 5°0 S0. 15 credit transactions. Ma\imum 2 days lo deposit & settle.

CP · I Retail Sen ice Station Credit 1.15•• S0.25

CP~ I Reta il Service Station Debit 0.80% SO. IS Tradiuonal. Traditional Rewards. Signature and Infinite consumer cards. Same requirements as CPS/Retail . Purchase date must be \\ithin I day of auth date. Eligible Merchant: Service Stations (S54 I). Cap of S0.95 0 11 consumer debit Md prepaid transactions. and cap ol'S 1.10 on consumer credit transactions. Maximum 2 da) s to deposit & settle.

CPS I Retail Service Station Prepaid 1. 15% $0. 15

CP<; I Passenger Transpon Card 1.70°0 S0.10

Pr .... ent Credit Consumer Traditional Cords. Airline (3000-3299. 4511) or Passenger Railwa~ (4112) merchant. Authorized. Card Present I Magnetic Stripe Read. Full itineral') required including ticket number, passenger

CPS I Passenger Tmnsport Card 1.19° 0 $0.10

name. and trip leg data. Lnst 13 positions of merchant name must contain either description of ancilla~ purchase or ticket number. Ancilla~ data must be present (ancillary service cotegOI') I. ancillal') ticl..et

Present Debit document number, issued in connection with ticket number. aud passenger name). One or more clearing records for u single authortzution. Purchase date is same as auth date. Maximum 8 days to deposit &

CPS I PassengerTrausport Card settle.

Pr<-sent Prepaid 1.15°0 S0.15

Cl ·I Passenger Transpon Card 1'ot uo•c. $0.10 Prc$ent Credit Consumer Traditional ('nrds. Airline (3000-3299, 451 1) or Pussenger Raihvn) (4 112) merchant. Authorized. Card Not Present : Not Magnetic Stripe Read . Full i t i neni~ required including ticket number.

CPS I Passenger Transpon C11rd Not 1.70% $0.15

passenger name, and tri1> leg data. Last 13 positions of mcrchMt name must contnin either description of ancillnl')' purchase or ticket number. Ancillnr) data must be present (nncillal') service catego~ I ,

Prc<cnt Debit ancilln~ ticket document number, issued in connection with ticket number, ond passenger name). One or more cleari ng records for a single authorization. Purchase dale is same as auth date. Maximum 8 da) s to

Cl I Passenger Transport Card Not deposit & settle.

Pr<sent Prepaid l.75°o S0.20

CP'> PasSt!nger fran!\pm1 E· I 70"1> $0.10

C<•mmerce Prelerrcd Credit Consumer Traditional ( 'nrds. Airline (3000-3299. 45 I I) or Passenger Railway (41 12) merchant. Authorized. Card Not Present I Not Magnetic Stripe Read. Full i t incra~ required including 1icket number,

Cl'S I Passenger Transpon E-1.700~ S0.15

passenger name, and trip leg data. Last 13 positions of merchant name must coma in either description of ancilln~ purchase or ticket numbc1'. Ancillar~ data must be present (anci ll:tl') Sef\oice categol') I,

Cl mmerce Preferred Debit ancillnl') ticket docume111 number, issued in connection with ticket number, and passenger name). One or more clenring records for n single authorization. E-Commerce requires additional data fields in

CPS I Passenger Tnmsport E- authoriLntion and se11le111cn1. Requires Vertfied b~ Visa. Purchase date same as auth date. Ma,imum 8 da~s to deposit&. seule.

C<•mmerce Preferred Prepaid 1.1s•. S0.20

(I Pl) BAMS.MVD.S 14.1.IC_Gross 4-2014 00020(>1Q Page 2

INTERCHANGE RA TE SCHEDULE (Effective April, 201~) Rates

Program Rate C ategory Fee Per Per Transaction Q ualification Information

Sales$ Item

CPS I Ulil ities Consumer 0.00°0 S0.75 Traditional, Traditional Re"ards, Signature, Infinite, Consumer Credi1 Spend. S igJlature Preforred Consumer cards and Business, Signahlrc Business, and Business Enhanced cards tha1 meel the exis1ing CPS I Uti li1ies Cons Debil & !>repaid O.OOoo S0.65 requirements for CPS1Re1ail, CPS/Retail Ke) En1~, CPS Small Tickcl. CPSfCard Not Presenl. CPS/E-Commen:e Basic, or CPSIE-Commercc Preferred. Consumer and Business debil W>d prepaid transactions

CPS I U11l i1ies Business o.oo•. $1.50 1hat mcel CPS/Retail. CPSIRetail Ke) Em~ , or CPSISmall Ticket are not eligible for this program. Eligible Merchants: Utilities (4900). Requires registrati<•n "i1h Visa and MVV must be present. Maximum ~

CPS I Utilities Bus Debil & Prepaid 0.00% Sl.50 da) s to deposi1 & set1le.

CPS I Account Funding Credi I 2.14% $0. 10 Consumer Traditional, Rewards. and Signature card 1rn11sac1ions to fond a pre-paid product, u brokerage account, or escrow acc.ount. ldenti li~d as E-Commercc trnnsuc1ions processed in a seeure environment.

CPS I Account Funding Debit 1.75•. S0.20 Cnrd is not preselll. Full Address Vedficaiion Service (zip code and full address) required. E-Commerce requires addi1ional data fields such as the merchant order number, valid £-Commerce indicator, and lhe Customer Service phone number, URL. or email address in authorization and settlement . Authorization and sett lement amounts must match . Purchase date must be witltin I day of nuth date. Maximum 2 dn) s 10

!CPS I Account Funding Prepaid 1.30•. S0.20 deposit & set1le.

Electronic (EI RF) Credit and 2.30°0 S0. 10

Kc) -Entered due to unreadable magnetic stripe and did not meet CPS/Retail Ke) ·Entered requirements. Authorized. Mail or phone order and did not meet ( ·ps1CarJ Not Present requirements. Did not meet Signature Electronic other CPS market specific requiremen1s. For Passenger T ransport (3000-3299. 4112. 45 11 ): losl 13 p0si1ions of merchant name must contain either description of •11cilla~· purchase or ticket number; ancillnr)

Electronic (EIRFJ Dcbi1 1.75% $0.20 darn must be present (ancillsry service categol') I , ancillary ticket document number, issued in connection with ticket number. and passenger name). Authorizmion is Referrnl I Voice-Authorized transaction. Transaction date is 3 days old. Bill payment transactions mus1 include bill payment indicators. Signature or Infinite card transactions, CPS qualified at T ra' d Services Merchanls including. Airlines (3000-n99,

Electronic (EIRF) Prepnid l.80°o S0.20 4511 ), Passenger Railwa) (4112). Cruise Lines (441 1 ), Lodging (3501-3999. 7011), Car Rental (335 1-3441. 75 12), Travel Agencies (4722 ). Restaurants (5812), and Fast Food (5814). Cap ofS0.95 on consumer debit and prepaid transaclions and cap of S 1.10 on consumer credit transactions a1 Service S1a1ions (5541) and Automated Fuel Oi:,pensers (5542 ). Maximum 3 da) s 10 deposit & set1le.

Consumer Debit and Prepaid cards that meet the c\isting requirements for CPS/Card Not Present. CPSFE-Commerce Basic. or CPSlE-Comrnerce Preferred. El igible Merchants: To~ Pa)men1s (9311 ). Requires

Debit Tax Payment 0.65°0 $0.15 registration wi1h Visa and MVV must be present. Purchase date mus1 be within I day of auth date. Merchant can chnrge a convenience fee u1> to $3.95, which must be submitted as a separate transaction. Cap

ofS2.00 on consumer debit and prepaid 1ransac1ions. Ma.\imum 2 days 10 deposit & sen le.

Consumer Debit and Prepaid cards that meet existing requirements for C PSfCard Not Present. C PSfE-Commerce Basic, or CPS/E-Commercc Preferred. Dcht repa) ment indicator and Bill Pa) menl indicators

Debt Repa) me111 0.65°• S0.15 mus1 be present. Eligible Merchants: Financial Services-Merchandise nnd Services (6012), Foreign Currenc), Mone) Orders - Not Wire Transfer, Stored Value Card I Load, and Travelers Checks (6051). Cap of S2 .00 on consumer debit and prepaid transactions. Requires registration and MVV must be present. Ma.\imum 2 da)s to deposit & set1le.

S ignature Preferred Electronic 2.40~. S0. 10 Signature Preferred and Consumer Credit Spend cards 1ha1 meet existing requirements for EIRF. CPS-qualified, S ignature Preferred and Consumer Credit S1>end 1rnnsactions at Travel Services merchants (3000-

Premium Consumer Credit Electronic 2.4QO,~ $0. 10 3999, 4112, 441 1, 4511 , 4722, 5812 , 5814, 7011, 7512). Consumer Credit Spend cards must meet that annual cardholder spend qualification threshold set h) Visa. Maximum 2 da~ s to doposit & settle.

Signature Preferred Retail 2.10~. $0.10 SignalUre !>referred and Consumer Credit Spend cards that meel existing requirements for CPS/Retail. CPS/Supermuo·ket, C PS/Retail Ke) Ent~·. or CPSiSurnll Ticket al non Travel Services (3000-3999, 4 112, H 11. 4511, 4722, 5812, 5814, 7011, 7512) mer.:han1s. Consumer Credit Spend cards musl meet that annual cardholder spend qualification threshold set b) Visa. Charitable & Social Service Organizations

Premium Consumer Credi1 Retail 2.10 .. S0.10 (8398) and Utili1ies (4900) not eligible for this program. Maximum 2 d3) s to deposit & settle.

Signature Preferred Card Not Present 2.40°0 SO. JO Signature Preferred and Consumer Credit Spend cards that meet e~isting requ irements for CPS/Card Not Present. CPSIE-Commerce Basic. CPSIE-Commen:e Preferred. CPS'Accounl fonding at non Travel

Premium Consumer Credit Card Nol 2.40°/ci $0.10

Services (3000-3999, 411 2. 4411, 4511, 4722, 5812, 5814. 70 11 , 7512) merchants. Consumer Credit Spend cards must meet that annual cardholder spend <111alificntion threshold sci b) Visa. Charitable &

Present Social Service Organizations (8398) and Utilities (4900) nor eligible for 1h is program. Maximum 2 days to deposi1 & settle.

Signature Pref Business 10 Business 2.10°0 $0.10 Signature Preferred and Consumer Credit Spend cards that meet existing requirements for an) CPS program. Consumer Credit Spend curds 1nus1 meet that anmrnl cardholder spend qualification threshold set b)

Premium Consumer Credit Business 2.10°. S0.10

Visa. Eligible Merchan1s: Business-to-Business :'v!CCs 0780, 1799. 27~ I, 2791, 2842. 4214. 5021, 5039, 5044, 5046, 5047, 5051, 5065, 507-1, 5085, 5099, 5131, 5137, 5139. 5 169, 5 192, 5193, 5198, 5199,

10 Business 6300, 73 11, 7333. 7349. 7361, 7372, 7375, 7379. 7392, 7 399, 7829, 8734, 8931, 8999. Ma.<imum 2 days to deposit & senle.

Signature Preferred Fuel 1.15% $0.25 Signature Preferred and Consumer Credit Spend cnrds that meet ex isting requirements for CPS/Service S1at ion, CPS/Automated Fuel Dispenser, and CPS/Small Tic~et. Consumer Credit Spend cards must moct that annual cardholder spend qualification threshold set b) Visa. Eligible Merchants: Service Stations (5541) or Automated Fuel Dispensers 15542). Purchaso dale mus1 be within I du) of auth date. Cap of

Premium Consumer Credit Fuel 1. 15% S0.25 $ 1.1 0 per lrJnsaction. Maximum 2 da)S to deposit & settle.

Signature Preferred Standard 2.95°0 S0. 10 Signature Preferred and Consumer Credit Spend cards. Consumer Credit Spend cards must meet that annual cardholder spend qualification threshold set b) Visa. Transaction date is more than 2 days old. Not

Premium Consumer Credit Standard 2.95°0 SO.JO Cl>S qualified, Authorization required. Cap of S 1.10 o~ 1ransac1ions al Ser.ice Stations (5541) and Automated Fuel Dispensers (5542). Ma.\11num 30 da) s to deposit & set1le.

Standard Credit and Signature 2.70% $0. 10 Transaction date is more than three (3) days old. Au1horization required. Signature or lnfini1c cards NOT CPS qualified al a Tra,•el Services Merchant, including Airlines (3000-:>299, 451 1 ), Passenger Rai l\\H)

Standard (4 112), Cruise Lines (44 11), Lodging (3501-3999. 70 11 ), Car Renllll (3351-3441 , 75 12), Travel Agencies (4722), Restaurants (58 12), and F:ost Food (58141. High-risk 1elemarket i11g transactions (5962. 5966,

Standard Debit 1.90% S0.25 5967). Non-secure E-Commerce transactions. Mu~imum 30 days to deposit & settle.

Standard Prepaid l.90°'o $0.25 -C ommercial

Busrness Card Present Debit 1.10•. S0. 10 Business Debit cards and Business, Signature Business. Business Enhnnced. Corporate, and P11rchasing Prepaid cards 1hat meet existing requirements for CPS Re1ail. CPS/Retail Ke) Ent!'). CPS/Small Tic~el. CPSISupcrrnarket, CPSIRestaurnnt. CPSfScrvice Station. CPSfAutomnied Fuel Dispenser. CPS/Hotel & Car Rental Card l>resem, or CPSiPas.senger Transrort Card Presenl. Quasi-Cash 16050. 6051) are

Commercial Retail Prepaid 2.1 So/o $0.10 eligible for this program. Ma~imum 2 da) s 10 deposit & sen le.

Business Card Not Prescn1 Debit 2.45~~ SO.IO Business Debit cards and Business. Signa1urc Business. Business Enlrnnced, Corporate, and Purchasing Prepaid cards that meet e~isting requirements for C l'SiCard Not Present,

Commercial Card Nol Present Cl>SiE-Commerce Basic, CPStE-Commerce Preferred. CPS/Hotel & Car Rental Card Not Present, Cl>S/Passengcr Transport Card No1 Present, or CPS/AccNrnt Funding. Business Debit and Prepaid

Prepaid 2.65°o S0.10 transactions at U1ilities (~900) men:hams can continue to 4ualify for the Utili1ies program. Ma,imum 2 da) s to deposit & scnlc.

{I Pl) BAMS.MVD.Sl4. l.IC_Gross 4-2014

INTERCHANGE RA TE SCHEDULE (Effective April, 2014) R ates

Progra m R a te C ategor y Fee Per Per T ransact ion Q ualificat ion Information

S a les S llem

Business Card Level 2 2.05°(. S0.10

Bu>1ness Enhanced Level 2 2.05% $0.10 Business. Signature Business. Business Enhunced. Corporate. Purchasing. and GSA Purchasing Cnrds. CPS requirements met. Non-Travel Services 1rnnsac1ions (3000-3999. 4112. 4411. 45 11, 4722, 5812. Signnture Business Level 2 2.05% S0.10 58 14. 7011, 75 12). Level 2 data required, which is Sales Tax {sales lax must be between 0.1 % and 22% of the sales amount - tax c~cmpl transactions do not quali~\') nnd Customer Code (onl~ required for

Corporate Card Level 2 2.05% S0.10 Purchasing card trans.~ciions at fuel merchants). Maximum 2 days to deposit & settle.

Purchasing Card Le\ el 2 2.05°. S0.10

Purchasing Card Level 3 1.95% $0.10 Purchasing, GSA Purchasing. and Corpornle cards. CPS requirements met. Non-Travel Services transactions (3000-3999, 4112. 4411, 451 1. 4722. 5g12, 5814, 7011. 7512). Level 3 darn required, which includes Summary Record · Discoum Amount, Freight I Shipping Amount. Duty Amount nnd Account Number and Line hem Detail Record - Item Sequence Number, Item Commodi1~ Code, hem Descriptor.

Corporate Card Level 3 1.95% S0.10 Product Code, Quantit), Unit of Measure. Unit Cost, Discount per Line Item, Line hem Total, and Line hem Dcluil Indicator. Level 3 data is not required for Straight Through Processing transactions via the Visa Pa~ ables Automation Service. Ma,imum 2 days 10 deposit & senle.

GSA Government lo Government 1.65% S0.10 GSA Purchasing Cards. Card Present I Magnetic Stripe Read Signature Obtained I Authorized. CPS qualified. Eligible Merchants: Government Sc" ices (9399). Postal Sef\ ices· Go,eniment (9402). Federal government merchants on l~. Requ ires regislrnlion with Visa and MW must be present. f>urchasc date must be within I day of au1h date. Ma,imum 2 da) s to deposit & scnle.

Bu, iness Electronic 2.40% $0. 10 Business, Signature Business, Business Enhanced cards lhal 111cc1 existing requirements for CPS/Retail, CPS/Supcnnarkel, CPSIRctail Kc~ Enl~, CPS/Small Ticket, CPS/Service Srntion. CPS/Auto Fuel Bu, iness Enhanced Electronic 2.75% S0.15 Dispenser. CPS/Card Nol Present, CPS/E·Commerce Prefen-,-d. CPS/E-Commcrce Basic, CPS/Rem ii 2, or CPS/Acct Funding for TrD\·el Services transactions (3000-3999. 4 11 2. 4411. 4511. 4722. 5812, 5814. Sil!n;uure Business Electronic 2.ss•'o S0.20 7011. 7512). Corporate and Purchasing cards that meet Level 2 data requirements (Sales Ta~ and Customer Code) but do nOt meet CPS requirements for Non-Travel Services transactions. Direct Marl.cting -

Corporate Electronic 2.75°0 S0. 10 Tra"el-Related Arrangement Services (5962). Direct Marl.e1ing - Outbound Telemarketing Merchants (5966). and Direct Marketing- Inbound Telemarl.eling Merchants (5967) and non-secure E-Commerce

Purchasing Elemonic 2.75% $0. 10 1rnnsnc1ions are not eligible for this program. Ma~imum 2 da~ s to deposit & senle.

Business Retail 2.20% S0. 10

Busmess Enhanced Retail 2.30•• S0.10 Business. Signature Business, Business Enhanced. Corporate. and Purchasing cards that meel existing requirements for CPSIRelail. CPS/Supermarket. CPS!Retail Kc) Ent~. CPS/Smnll Ticket, CPS/Service Signature Business Retail 2.40% S0.10 Station. or CPSIAulo Fuel Dispenser. Non-Tra,cl Sef\'ices tnonsactions (3000-3999. 4112. 4411. 4511. ~722, 5812. 5814, 701 1. 7512). Level 2 data requirements (Sales Ta, and Customer Code) are not met

Corporate Retail 2.10% $0. 10 Ma, imum 2 days to deposit & senle.

Purdrnsing Retail 2.40% S0. 10

Bu >iness Card Nol Present 2.25~0 $0. 10

Bu-mess Enhanced Card NOl Present 2.45"'· S0.15 Business. Signature Business, Business Enhanced. Corporate. and Purchasing cards that meet existing requirements for CPS/Card Not Present, CPSIE-Commerce Basic. CPSIE-Commerce Preferred, or

Signature Business Card Not Present 2.60°<. S0.20 CPS/Account Funding. Non-Travel Sef\'iccs transactions (3000·3999, 411 2, 4411, 4511, 4722, 5g12, 5814, 7011. 7512). Business. Signature Business. and Business Enhnnced cards require A VS. Level 2 dnta

Corporate Card Not Present 2.20% S0.1 0 requirements (Sales Tas and Customer Code) are no! met Ma,imum 2 da) s lo deposit & sen le.

Purchasing Card Nol Present 2.65% $0. 10

Bu<iness Bus 10 Business 2. 10% S0. 10

Bu<mess Enhanced Bus to Business 2.25°. SO. lo Business. Signature Business. Enhanced Business. Corporate. and Purchasing cards that meel existing requirements for an~ CPS program b~ non Travel Services merchants. Eligible Merchants: Business to Signature Business Bus 10 Business 2.40°0 S0. 10 Business MCCs 0780. 1799. 274 1. 2791 . 2842. 4214. 5021 , 5039, 5044, 5046, 5047, 5051, 5065. 5074. 5085, 5099. 5131 . 5137, 5139. 5169. 5192. 5193. S 198, 5199, 6300. 7311 , 7333. 7349, 7 361, 7372.

Corporate Business 10 Business 2.10% $0. 10 7375. 7379. 7392. 7399, 7829. 8734, 8931, 8999. Level 2 darn requirements (Sales Tax and Customer Code) are not met. Ma,imum 2 days to deposit & scnle.

Purchasing Business 10 Business 2.40% $0.10

Corporate Card Travel Service 2.SS~·O S0.10 Corporate and Purchasing cards that meet existing requireme111s for any CPS program al Travel Services merchants (3000-3999. 4 112. 4411. 45 11, 4722. 5812, 5814. 701 1. 7512). Ma\imum 2 days co deposit

Purchasing Card Travel Service 2.45 .. so 10 & senle.

Purchasing Electron ic with Daw 2.75% $0.10 Non-GSA Purchasing and Corporate cards. Level 3 data requirements met but CPS requirements not met for Non-Travel Sef\•iccs transactions (3000-3999. 4112, 4411 , 4511. 4722. 5812. 5814, 7011, 75 12). Level J dtlla requirements include Summa!') Record - Discount Amount, Freight I Shipping Amount, Duty Amount and Account Number and Line Item Detail Record - hem Sequence Number. Item

Corporate Card Electronic with Data 2.75% S0.10 Commodil) Code, Item Descriptor, Product Code, Quanti ty, Un it of Measure, Unit Cost, Discounl per Line llem. Linc Item Total, and Line Item Del:lil Ind icator. Level 3 data is 1101 requ ired for Straight Through Processing cransactions via the Vis.i Pa~ ables Au1on1ation Service. Ma,imum 2 days lo deposit & senle.

Bu, iness Standard 2.95°0 S0.20

Bu,iness Standard Debit 2.95% $0.10

Bu<iness Enhanced Standard 2.95% $0.20

S1~11a1ure Business Standard 2.9Soo S0.20 Business. Signature Business, Business Enhanced. Corporate. and Purchasing Cards. Transaction date is more than 2 days old. Not CPS qualified, 1\u1horizalion required. Ma, imum JO U!l) s lo deposit &. senle

~o<p0rate Standard 2.95°0 S0.10

Purchasing Standard 2.95°0 S0.10

C<•lllmercinl Standard Prepaid 2.95~. S0.10

LatJ!e Ticket

GSA Purchasing cards thnt meet ex isling requirements for Cl'SIRetail. CPS1Key Ent~, CPS/Se" ice Stal ion, CPS/Card Not Present. CPS/E-Commercc Basic. or CPS1E-Commerce Prefcn-ed. Level 2 {s;1les La~

G\ A Purchasing Card Large Tid.cl 1.200. S39.00 and customer code) and Lewi 3 (Summa~ Record· Discount Amount, Freight I Shipping Amount. Out~ Amount and Accoum Number and Line hem Detail Record· hem Sequence Number, Item Commod1t~

Code. Item Descriptor, Product Code. Quanlil). Unit of Mca>urc. Unit Cost, Discount per Linc Item. Linc hem Toial. and Line hem Detail Indicator) d:ita is required. Nol :ipplicable to 1 ra,el Services (3000· 3999, ~ 112, 441 1. 451 1. ·1722, 5812. 5814. 701 1. and 7512). Au1horiz;i1ion required. Ma.\ imum 2 days to deposit & sell le.

(I J>I) 13AMS.MVD.S 14.1.IC Gross 4-2014 Page 4

INTERCHANGE RATE SCHEDULE (Effective April , 201-l) Rates

Program Ra te Ca tegor~ Fee Per Per Transaction Qualificat ion Informatio n

Sales S Item

Purchasing Ca1·d Large Ticket 1.45% $35.00 No11·GSA Purchasing cards thnt meet existing requiremc111s for CPS/Retai l, CPS/Supermnrkcl, CPS/Key En1r_1, CPS/Service Station. CPS/Card Not Prcse111. CPS/E-Commcrcc BAsic, or CPS1E-Commerce Prcfc11·ed and non-GSA Purchasing prepaid cards that meet c'is1i11g requirements for CPS/Curd Nol Present, CPS/E-Commerce Basic, or CPSIE-Comm•rce Preferred. Level 2 (sales ta.\ and customer code) and Lc•tl 3 (Summary Record · Discount Amount, Freighc. Shipping Amount, Dul) Amount and Account Number and Line Item Detail Record· Item Sequcn~c Number, Item Commodil~ Code, Item Descriptor

Purchasing Card Large Tic-kel 1.45°0 S35.00

Product Code. Quan1i~ , Unit of Measure, Unit Cost, Discoont per Line Item, Line Item Total, and Line hem Detail Indicator) data is required, except for Straight Through Processing transactions via the Visa Prepaid Pn~ ables Automation Service. Non-Travel Services tr.msactions'(3000-3999, 411 2, +111. 45 1I.4722, 5812, 5814. 701 1, 7512). Authorization required. M.l\imum 8da~s10 deposit & settle.

Large Purchase Advantage I 0.70°0 549.50

Large Purchase Advantage 2 0.60% $52.50 Visa Large Purchase Ad,antagc (VLPA) cards, including both GSA Purchasing and non-GSA Purchasing cards, that meet e:\isting requi rem~n1s for CPS/( 'ard Not Present, CPS1E-Commerce Basic, or CPSll:.-Commerce Preferred for non Travel Services merchants (3000-3999, 4 112, 4411 , 45 11, 47 22. 5812, 5814, 7011, 75 12). Transaction amount must be greater 1h:111 $ 10,000 (Rate I ..., $10.000 and5 $25,000;

Large Purchase Advantage 3 0.50% $55.50 Rmc 2 .... S25,000 and 5 $I 00.000; Rate 3 ' $I 00,000 Md !> $500,000; Rate 4 .... $500.000}. Ma~imum 8 days to deposit & se11le. Large Purchase Advantage 4 0.40~~ $58.50

l ntcrrsgionnl

Interregional Standard 205~. $0.00 Consumer and Electron cards. Non U.S. issued cards at a IJ.S. merchant location or cards issued in a different region RI a U.S. Territory or n<1n·US. locauon. Authorization required. Ma\imum 30 days 10

Interregional Standard Electron 2.05°0 S0.00 deposit & sen le. Rate includes the Visa International Acquirer Fee.

Interregional Electronic 1.55% $0.00 Consumer and Electron cards. Non U.S. issued cards at a U.S. merchant location or cards issued in a different region n1 n U.S. Territory or non·U.S. l()(.'atioo. Card Present I Magnetic Stripe Read I Signa1ur~

Interregional Electronic Electron 1.ss010 S0.00 Obtained I Authorized. Ma.,imum 3 di•) s to deposit & sen le. Rate includes the Visa lntcmmional Acquirer Fee.

Rcg1olated Consumer Debit and Prepaid, Business Debit. and Commercial Prepaid Cards identified by Issuers and Cnrd Organizations as being subject to the .l une 29, 2011 l'edcrn I Reserve final rule on Debit

Interregional Regulated Debit 0.50% S0.22 Card interchange. U.S. TcrritOr) issued cards at a U.S. merchant location or U.S. issued cards at a U.S. Te1Tilo., location. U.S. Territories include American Samoa, Guam, Northern Mariana Islands, and U.S. MinorOutl~ ing Islands in the AP region and Puerto Rico and U.S. Virgin Islands in the LAC region. Authorization required. Maximum 30days10 deposit & senle. Rate includes the Visa lntemational Acqu ircr Fee.

Interregional Business 2.45°~ S0.00

Interregional Corporate 2.45~. S0.00 Business, Signature Business, Platinum Business, Infinite Business, Corporate, and Purchasing cards. Non U.S. issued cards at a U.S. merch•ml location or cards issued in a different region at a U.S. Terri1or~ or non-U.S. location. Max imum 30 da~s to deposit & seule. Rate includes the Visa International Acquirer Fee.

Interregional Purchasing 2.45% $0.00

Platinum cards issued in the I.AC, Asia Pacific, CEMEA. and £urope regions, Traditional Rewards cards issued in the CEMEA region, Infin ite cards issued in Canada, and Select cards issued in the Europe 1 nterrcgional Consumer Prem ium 2.250,~ S0.00 region at a U.S. merchant location and Signature cards issued in the U.S. region at a non-U.S. or U.S. Territory merchant location. Maximum 30 days 10 deposit & sell le. Rate includes the Visa International

Acquirer Fee.

Interregional Consumer Super lnfin11e and Signature cards issued in the Asia Pacific, CEMEA. Europe, and LAC regions; Infinite Privi lege Consumer cards issued in Canada at 3 U.S. merchant location; Signature Preferred cards issued in

2.42°. S0.00 the U.S. region at a non-U.S. merchant location; Ultra High Net Wonh cards issued in the Asia Pacific and CEMEA regions; Consumer Credit Spend card; issued in the U.S. region at a non-U.S. merchant Premium

location. Maximum 30 da~ s 10 deposit & settle. Rate includes the Visa International Acquirer Fee.

Interregional E-Commerce Merchant 1.89'% $0.00 Consumer and Electron cards. Non U.S. issued cards al n IJ.S. merchant location or cards issued in a different region at a U.S. Territo.,· or n<•n-U.S. location. Authorized within 7 da~ s of purchase (shipping)

I n1errrcgio11al E-Commerce Merchant Electron

1.89% S0.00 dmc. Authorized amount must match clearing amount. Trnnsnctions must be Card Not Present, Key-Entered, E-Commcrce transactions. Requ ires Verified I» Visa. Transactions must be channel encrypted and include the E·Commerce lnclicotor, and utilize 3-D Secure Verification Service processing requirements. Rate includes the Visa International Acquircr Fee.

Interregional Secure E-Commercc 1.89°'. $0.00 Consumer and Elec.tron cards. Non U.S. issued cards a1 a U.S. merchant location or cards issued in a different region ma U.S. Territo~ or no11-U.S. location. Authorized within 7 da~ s of purchase (shipping)

Interregional Secure E-Commerce 1.89~. S0.00

dmc. Authorized amount must match clearing amount . Transactions must be Card Not Present. Key-Entered, E-Commcrce transactions. Requires Verified h) Visa. Transactions must be channel enc" pied and

Electron include the £-Commerce Indicator, and ulilize 3-D Secure Venficatioo Service processing rlNjuirements. Rate includes the Visa International Acquirer Fee.

Interregional Issuer Chip 1.65% $0.00 Consumer and Electron cards. Non U.S. issued cards al a U.S. merchant location or cards issued in a different region at a U.S. Territo.,· or non· U.S. location Card Present I Magnetic Stripe Read (not Chip

Interregional Issuer Chip Ekc1ron 1.65% S0.00 Road) I Signature Obtained I Authorized. Card issuer must be chip qualified. Maximum 3 da~ s to deposit & settle. Rate includes the Visa ln1cma1ional Acquirer Fee.

ln1crrcgio1rnl Airline 1.55% $0.00 Consumer and Electron cards. Non U.S . issued cards at a U.S. merchant location or cards issued in a different region nl a U.S. Territo~ or 1w11-U.S. location. Authorization required. Eligible Merchants: Airline

Interregional Airline Electron 1.55% S0.00 merchants (3000-3299 or 4511 ). Ma\imum 15 days lo deposit & seule. Rate includes 1he Visa International Acquirer Fee.

Visa Assessments 0.11% S0.00 Fee assessed on the gross dollar amount of all Visa 1ransac1ions.

Authorization S~ stem Misuse Fee 0.00°. S0.045 Fee assessed on all Visa authorized transactions which arc not follo\\ed b) a matching Visa clearing 1ransaction (Or not f'C\ ersed in the case <>fa cancelled transaction). Billed on a one month lag.

Zer<) Floor Limit Fee 0.00°o S0.10 Fee assessed on all Visa clearing transactions that are not authorized. Billed on a one month lag.

Debit Transaction lntegri1~ F\!e 0.00% S0.10 Fee charged on each signature debit transaction (including Visa Consumer and Business dctn1 cards and Vi sa Consumer and Commercial Prepaid cards) that does not meet the qualification criteria defined un der the Visa U.S. Custom Pa~ ment Service (CPS) program.

(IP I) BAMS.MVD.Sl 4.1.IC_Gross 4-2014 l'agc 5

Visa® and MasterCard® Credit Voucher Programs and Rate Schedule (Effective April, 20 1-l)

This Credit Voucher Programs and Ra1e Schedule conLains a sum mar~ of lhe primary quali fication criteria esiablished by Visa and Ma~1crCard for most interchange programs - it is not al l inclusive. In the event of an~ ambiguily or connict, the interchange requirements established b~ the Card Organiza1iuns (sometimes referred to associations) will detem1ine the interchange programs at which~ our transactions quali f~.

Rates Program Rate C ategory

Per Sales$ Per Item Transaction Qualification Information

VISA*

Consumer Credit

US CRDT VCR-MOTO 2.05% $0.00 Consumer Traditional Credi t card transactions: Mail I Telephone Order and E-Commerce. except High Risk (596~. 5966, 5967). Airlines (3000-3299, 451 1 ). and Passenger Railwa~ (4112>.

US CRDT VCR-Consumer 1.76% $0.00 Consumer Traditional Credit card transactions: All Industries, except Airl ines (3000-3299, 45 11 ), Passenger Rai l\\'a~ (41 l 2). Mail I Telephone Order, and E-Commerce.

Debit

US CRDT VCR-Debit 0.00% $0.00 All Debi1 and Prepaid card lransactions, including Regulated Consumer Debit and Prepnid. Business Debit. and Commercial Prepaid Cards identified by Issuers and Card Organizations as be ing subject to the June 29, 2011 Federal Reserve linal ru le on Debit Canl interchang~.

Passeni:er Trans12or1

US CRDT VCR-Passenger Transport 2.33% $0.00 Consumer Traditional Credit and Commercial Credit card transactions: Airlines (3000-3299, 45 11) and Passenger Railwa) (4112).

Commercial C redit

US CRDT VCR-Commercial Credit 2.35% $0.00 Business, Signature Business, or Corporaie credit transactions. Al l Industries, e~cept Airlines (3000-3299, 4511 ), and Passenger Railwa~ (4112).

US CRDT VCR-GSA Purchasing I 2.35% $0.00 GSA Purchasing card transactions S $10,000. All Industries. c:-:cept Airlines (3000-3299, 45 11 ), and Passenger R;1ilway (41 12).

US CRDT VCR-GSA Purchasing 2 2.15% $0.00 GSA Purchasing card transactions > $10,000 and :5 $25,000. All Industries, except Airlines (3000-3299. 4511), and Passenger Railway (4112).

US CRDT VCR-GSA Purchasing 3 2.00% $0.00 GSA Purchasing card transactions > $25,000 and :5 $100,000. All lndus1ries, except Airl ines (3000-3299. 4511), and Passenger Railwa~ (4 112).

US CRDT VCR-GSA Purchasing 4 1.80% $0.00 GSA Purchasing card transactions> $100,000 and :5 SS00,000. All lndustrics, except Airlines (3000-3299, 45 11 ). and Passenger Railwa) (4 11 2).

US CRDT VCR-GSA Purchasing 5 1.80% $0.00 GSA Purchasing card transactions > $500,000. All Industries, except Ai rlines (3000-3299, 45 11 ), and Passenger Railway (4 l 12).

US CRDT VCR-Purchasing I 2.40% $0.00 Purchasing card transacLions :5 $I 0,000. All Industries, except Airlines (3000-3299, 451 1 ), and Passenger Rai lwa) ( 41 I 2).

US CRDT VCR-Purchasing 2 2.30% $0.00 Purchasing card transactions> $10,000 and :5 $25,000. All Industries, except Airlines (3000-3299. 4511 ). and f>a,senger Railwa~ (41'12).

US CRDT VCR-Purchasing 3 2.20% $0.00 Purchasing card transactions > $25,000 and :5 $100,000. All Industries, except Airl ines (3000-3299, 45 1 l ), and Passenger Railway (41 12).

US CRDT VCR-Purchasing 4 2.000/o $0.00 Purchasing card transactions> $100,000 and :5 $500,000. All Industries. except Airlines (3000-3299, 451 1 ). and Passenger Railway (4112).

US CRDT VCR-Purchasing 5 1.80% $0.00 Purchasing card transactions> $500,000. All Industries, except Airl ines (3000-3299, 4511 ), and Passl.'nger Rai lwa~ (4112).

•credit (or sales return) transactions for Account Funding and interregional transactions are applied back against the interchange program for which the purchase transaction originally qualili(!d.

(ICl) VS I MC Credit Voucher Sch~dulc 4-~0 I