VISA INTERCHANGE APRIL 2015 CPS Retail Credit CPS Retail Debit U.S. Regulated CPS/Retail Prepaid CPS Small Ticket Credit CPS Small Ticket Debit CPS/Small Ticket Prepaid CPS/Small Ticket Regulated CPS Rewards 1 CPS Rewards 2 CPS Retail Key Entry Credit CPS Retail Key Entry Debit CPS/Retail Key Entry Prepaid CPS Retail 2/Emg Market Credit CPS Retail 2/Emg Market Debit CPS/Retail 2 Debit Cap CPS/Retail 2 Prepaid CPS/Retail 2 Prepaid Cap EIRF Credit EIRF Debit Electronic Debit Cap Electronic Prepaid CPS Card Not Present Credit CPS Card Not Present Debit CPS/ Card Not Present Prepaid CPS E-Commerce Basic Credit CPS E-Commerce Basic Debit CPS/E-Commerce - Basic Prepaid CPS E-Commerce Preferred Credit CPS E-Commerce Preferred Debit CPS/E-Commerce - Preferred Prepaid Domestic Sales Credit Domestic Sales Debit Standard Prepaid CPS Charity CR CPS Restaurant Credit CPS Restaurant Debit CPS/Restaurant Prepaid Interregional Regulated Debit SIP Credit Supermarket CPS Supermarket Debit CPS Supermarket Debit Cap 1.51% 0.80% 0.05% 1.15% 1.65% 1.55% 1.60% 0.05% 1.65% 1.95% 1.80% 1.65% 1.75% 1.43% 0.65% 0.00% 0.65% 0.00% 2.30% 1.75% 0.00% 1.80% 1.80% 1.65% 1.75% 1.80% 1.65% 1.75% 1.80% 1.60% 1.75% 2.70% 1.90% 1.90% 1.35% 1.54% 1.19% 1.15% 0.05% 1.22% 0.00% 0.00% $0.10 $0.15 $0.22 $0.15 $0.04 $0.04 $0.05 $0.22 $0.10 $0.10 $0.10 $0.15 $0.20 $0.05 $0.15 $2.00 $0.15 $2.00 $0.10 $0.20 $0.95 $0.20 $0.10 $0.15 $0.20 $0.10 $0.15 $0.20 $0.10 $0.15 $0.20 $0.10 $0.25 $0.25 $0.05 $0.10 $0.10 $0.15 $0.22 $0.05 $0.30 $0.30 Chip Full Data Chip Full Data-Visa Electron Chip Full Data with PIN Chip Full Data with PIN-Visa Electron CPS/Passenger Transport Card Present-Credit CPS Pass Transport 1 Credit CPS/Passenger Transport Card Present-Debit CPS Pass Transport 1 Debit CPS/Passenger Transport Card Present-Prepaid CPS/Passenger Transport Card Not Present-Credit CPS/Passenger Transport Card Not Present-Debit CPS/Passenger Transport Card Not Present-Prepaid CPS Pass Trans E-com Credit CPS Pass Trans E-Commerce Debit CPS/E-Comm Preferred Passenger Transport Prepaid CPS Service Station Credit CPS/Retail Service Station Credit Cap CPS Service Station Debit CPS/Retail Service Station Debit Cap CPS/Retail Service Station Prepaid CPS/Retail Service Station Prepaid Cap CPS Auto Fuel Dispenser Credit CPS/Automated Fuel Dispenser Credit Cap CPS Auto Fuel Dispenser Debit CPS/AFD Debit Cap CPS/Automated Fuel Dispenser Prepaid CPS/Automated Fuel Dispenser Prepaid Cap Electronic Credit Electronic Prepaid Fuel Electronic Prepaid Fuel Cap US VSP Fuel Visa Signature Preferred Fuel Utility Credit Utility Debit Utility - Business Card Visa Utility Business Debit and Prepaid CPS Hotel CP Credit CPS Hotel CP Debit CPS Car Rental CP Credit CPS Car Rental CP Debit CPS/Hotel Card Present Prepaid CPS/Car Rental Card Present Prepaid 1 1.10% 1.10% 1.10% 1.10% 1.70% 1.70% 1.19% 1.70% 1.15% 1.70% 1.70% 1.75% 1.70% 1.60% 1.75% 1.15% 0.00% 0.80% 0.00% 1.15% 0.00% 1.15% 0.00% 0.80% 0.00% 1.15% 0.00% 0.00% 1.80% 0.00% 1.15% 0.00% 0.00% 0.005 0.005 0.00% 1.54% 1.19% 1.54% 1.19% 1.15% 1.15% $0.10 $0.10 $0.10 $0.15 $0.15 $0.10 $0.15 $0.20 $0.10 $0.15 $0.20 $0.25 $1.10 $0.15 $0.95 $0.15 $0.95 $0.25 $1.10 $0.15 $0.95 $0.15 $0.95 $1.10 $0.20 $0.95 $0.25 $1.10 $0.75 $0.65 $1.50 $1.50 $0.10 $0.10 $0.10 $0.10 $0.15 $0.15 VISA INTERCHANGE APRIL 2015 CPS/ Supermarket Prepaid CPS/ Supermarket Prepaid Cap CPS/E-Commerce Preferred - Hotel Prepaid CPS Car E-Commerce CP Debit CPS/E-Commerce Preferred -Car Rental Prepaid CPS Hotel CNP Credit CPS Car Rental CNP Credit CPS Hotel E-Commerce - Credit CPS Hotel E-Commerce CP Debit CPS Car Rental E-com - Credit CPS Hotel CNP Debit CPS Car Rental CNP Debit Credit - Pass Transport Credit Credit - Con Non PT Credit Credit - Commercial Non PT Credit - Con MOTO/eCom Credit Voucher - Debit Card Credit - Pass Transport Debit Credit - Con Non PT Debit Business Retail US Corporate Card Present US Purchasing Card Present Business card-Card Present Debit Business CNP Corporate CNP Purchasing CNP Business card-Card Not Present Debit Business B2B Corporate B2B Purchasing B2B Business Level II Corporate Level II Purchasing Level II Business Electronic - non T&E Corporate Electronic - non T&E Purchasing Electronic - non T&E Business Electronic - T&E Corporate Electronic - T&E Purchasing Electronic - T&E US Purchasing Standrd w/Data US Corporate Card Standard with Data Corporate Card Non-Travel Level III Purchasing Card Level III 1.15% 0.00% 1.75% 1.70% 1.75% 1.54% 1.54% 1.54% 1.70% 1.54% 1.70% 1.70% 2.33% 1.76% 2.35% 2.05% 0.00% 2.07% 1.31% 2.20% 2.50% 2.50% 1.70% 2.25% 2.65% 2.65% 2.45% 2.55% 2.10% 2.55% 2.05% 2.05% 2.05% 2.40% 2.95% 2.95% 2.40% 2.75% 2.75% 2.95% 2.95% 1.85% 1.85% $0.15 $0.35 $0.20 $0.15 $0.20 $0.10 $0.10 $0.10 $0.15 $0.10 $0.15 $0.15 $0.00 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 CPS/Hotel Card Not Present Prepaid CPS/Car Rental Card Not Present Prepaid Business Standard T&E Corporate Standard - T&E Purchasing Standard - T&E Signature Preferred - Retail Signature Preferred - Card Not Pres Signature Preferred - B2B Signature Preferred - Electronic T&E Signature Preferred - Stnd non T&E Signature Preferred - Standard T&E Visa Signature Preferred Standard Cap Intl Signature Preferred Visa Infinite Retail Visa Infinite CNP Visa Infinite B2B Visa Infinite Fuel Visa Infinite Fuel Cap Visa Infinite Electronic Visa Infinite Standard Visa Infinite Standard Fuel CAP Signature Business card-Retail Signature Business card-Level 2 Signature Business card Card Not Present Signature Business card-Business to Business Signature Business card-Electronic-Other Signature Business card-Electronic Travel Signature Business card-Standard Other Signature Business card-Standard Travel Business Enhanced card-Retail Business Enhanced card- Business to Business Business Enhancement card-Non-Travel Service Lvl 2 Business Enhanced card- Card Not Present Business Enhanced card-Electronic Other Business Enhanced card- Electronic Travel Business Enhanced card-Standard Other Business Enhanced card-Standard Travel Purchasing card-Large Purchase Advantage 1 Purchasing card-Large Purchase Advantage 2 Purchasing card-Large Purchase Advantage 3 Purchasing card-Large Purchase Advantage 4 Purchasing Large Ticket Prepaid GSA Large Ticket 2 1.75% 1.75% 2.95% 2.95% 2.95% 2.10% 2.40% 2.10% 2.40% 2.95% 2.95% 0.00% 1.97% 2.10% 2.40% 2.10% 1.15% 0.00% 2.40% 2.95% 0.00% 2.40% 2.05% 2.60% 2.40% 2.85% 2.85% 2.95% 2.95% 2.30% 2.25% 2.05% 2.45% 2.75% 2.75% 2.95% 2.95% 0.70% 0.60% 0.50% 0.40% 1.45% 1.20% $0.20 $0.20 $0.20 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $1.10 $0.10 $0.10 $0.10 $0.25 $1.10 $0.10 $0.10 $1.10 $0.10 $0.10 $0.20 $0.10 $0.20 $0.20 $0.20 $0.20 $0.10 $0.10 $0.10 $0.15 $0.15 $0.15 $0.20 $0.20 $49.50 $52.50 $55.50 $58.50 $35.00 $39.00 VISA INTERCHANGE APRIL 2015 Purch Emerging Large Ticket Corporate Card –Travel Service Purchasing Card – Travel Service Commercial Retail Prepaid Commercial Card Not Present Prepaid Commercial Standard Prepaid GSA Government to Government CPS/Debit Tax Payment 1 Business card-Card Standard Debit Business Standard non T&E Corporate Standard - non T&E Purchasing Standard - non T&E CPS/Debt Repayment Cap CPS/Debit Tax Payment 2 CAP Credit Voucher GSA Purchasing NPT 1 Credit Voucher GSA Purchasing NPT 2 Credit Voucher GSA Purchasing NPT 3 Credit Voucher GSA Purchasing NPT 4 Credit Voucher GSA Purchasing NPT 5 Credit Voucher Non-GSA Purchasing NPT1 Credit Voucher Non-GSA Purchasing NPT2 Credit Voucher Non-GSA Purchasing NPT3 Credit Voucher Non-GSA Purchasing NPT4 Credit Voucher Non-GSA Purchasing NPT5 Intl Electronic-Electon Intl Standard - Electron Intl Ecommerce - Electron Intl Secure Ecommerce-Electron Recurring Payment CPS Acct Fund Debit CPS/Account Funding Prepaid 1.45% 2.55% 2.55% 2.15% 2.65% 2.95% 1.65% 0.65% 2.95% 2.95% 2.95% 2.95% 0.00% 0.00% 2.35% 2.15% 2.00% 1.80% 1.80% 2.40% 2.30% 2.20% 2.00% 1.80% 1.10% 1.60% 1.44% 1.44% 1.43% 1.75% 1.80% $35.00 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.15 $0.10 $0.20 $0.10 $0.10 $2.00 $2.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.05 $0.20 $0.20 Premium Card Super Premium Card Intl Signature CPS/Debit Tax Payment 2 CPS/Debit Tax Payment 1 CAP CPS/Debit Tax Payment 2 CAP Debt Repayment Program Intl Business Intl Corporate Intl Purchasing Intl Electronic Intl Standard Infinite Card Intl Full Chip / Intl Issuer Chip Intl Issuer Chip Intl Ecommerce Intl Secure Ecommerce Intl Full Chip Electron Intl Issuer Chip Electron CPS Acct Fund Credit VS International Acquiring Fee VS International Acquiring Fee-High Risk ISA - Purchase ISA - Cash US IASF Multicurrency Cash US IASF Multicurrency Purchase VS US Straight Pass Through Tier1 VS US Straight Pass Through Tier2 VS US Straight Pass Through Tier3 VS US Straight Pass Through Tier4 VS US Straight Pass Through Tier5 VS US Purchasing Card Fleet 1.80% 1.97% 1.80% 0.65% 0.00% 0.00% 0.65% 2.00% 2.00% 2.00% 1.10% 1.60% 1.97% 1.20% 1.20% 1.44% 1.44% 1.20% 1.20% 2.14% 0.45% 0.90% 0.80% 0.40% 0.40% 1.20% 2.00% 1.30% 1.10% 0.95% 0.80% 2.50% Additional Visa Association Charges: Visa Card Assessment Fee Fixed Acquirer Processing Fee Var FANF fee Transaction Integrity Fee Variable Network Acquirer Processing Fee Visa Acq Processing Fee Credit Visa Acq Processing Fee Debit $0.10 Per authorization $0.0195 $0.0155 Credit .0013 gross volume Debit .0012 gross volume Location Fee: based on number of locations and Merchant Category Code Volume Fees: determined by card not present/fast food restaurant $ volumes Visa Debit and Prepaid cards that do not meet CPS criteria 3 $0.15 $2.00 $2.00 $0.15 $0.10 $0.10 $35.00 $35.00 $35.00 $35.00 $0.10 MASTERCARD INTERCHANGE APRIL 2015 Merit 3 Credit Merit 3 Debit Small Ticket Debit Enhanced Merit III Base World Merit 3 Base World Elite Merit 3 High Value Merit III Base 1 U.S. Regulated POS Debit U.S. Regulated POS Debit w/ Fraud Adj Regulated POS Debit Small Ticket Regulated POS Debit Small Tkt w/Fraud Adj Restaurant Debit World Restaurant World Elite Restaurant High Value Restaurant Key Entered Credit Key Entered Debit Key Entered prepaid Enhanced Key Entered World Key-Entered World Elite Key Entered High Value Key-Entered Merit 1 Credit Merit 1 Debit Enhanced Merit I High Value Merit 1 Merit 1 Prepaid World Merit 1 World Elite Merit 1 Consumer Credit Core Value Standard Cons Super Premium Standard Domestic Sales Debit Enhanced Standard World Standard World Elite Standard High Value Standard Consumer Charities Credit Consumer Charities Credit - Override Consumer Charities Debit Consumer Charities Debit - Overide Consumer Reg Charities - Override 1.58% 1.05% 1.55% 1.73% 1.77% 2.20% 2.20% 0.05% 0.05% 0.05% 0.05% 1.19% 1.73% 2.20% 2.20% 1.89% 1.60% 1.76% 2.04% 2.05% 2.50% 2.50% 1.89% 1.60% 2.04% 2.50% 1.76% 2.05% 2.50% 2.95% 1.98% 1.90% 2.95% 2.95% 3.25% 3.25% 2.00% 0.00% 1.45% 0.00% 0.00% $0.10 $0.15 $0.04 $0.10 $0.10 $0.10 $0.10 $0.21 $0.22 $0.21 $0.22 $0.10 $0.10 $0.10 $0.10 $0.10 $0.15 $0.20 $0.10 $0.10 $0.10 $0.10 $0.10 $0.15 $0.10 $0.10 $0.20 $0.10 $0.10 $0.10 $0.25 $0.10 $0.10 $0.10 $0.10 $0.10 $0.00 $0.15 $0.00 $0.00 Payment Debit Consumer P/T Debit Prepaid Online Bill Pay Convenience Purchases Credit Convenience Purchases Tier 1 Enhanced Convenience Purchases Tier 1 World Convenience Purchases Tier 1 World High Value Convenience Purchases Tier 1 World Elite Convenience Purchases Tier 1 Enhanced Convenience Purchases World Convenience World Elite Convenience High Value Convenience Purchases Cons Super Premium Electronic Consumer P/T Credit Supermarket Credit Supermarket Debit Supermarket Debit Cap Enhanced Supermarket Base World Supermarket Base World Elite Supermarket High Value Supermarket Base Business Supermarket Business Enhanced Value Supermarket Corporate Supermarket Purchasing Supermarket Fleet Supermarket Comm Supermarket Business World Comm Supermarket Business World Elite Business Level 1 Supermarket Business Level 3 Supermarket Business Level 4 Supermarket Warehouse Club Credit Warehouse Club Debit Warehouse Club Debit Cap Enhanced Warehouse Base World Warehouse Club Base World Elite Warehouse High Value Warehouse Base Warehouse Base – World Elite Bus Warehouse Base - World Corporate 4 0.19% 1.60% 0.00% 1.90% 1.35% 1.35% 1.45% 1.60% 1.60% 1.90% 2.00% 2.00% 2.00% 1.98% 1.75% 1.48% 1.05% 0.00% 1.48% 1.58% 1.90% 1.90% 2.20% 2.16% 2.50% 2.50% 2.50% 2.16% 2.21% 2.00% 2.21% 2.31% 1.48% 1.05% 0.00% 1.48% 1.58% 1.90% 1.90% 1.48% 1.48% $0.53 $0.15 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.10 $0.10 $0.10 $0.15 $0.35 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.15 $0.35 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 MASTERCARD INTERCHANGE APRIL 2015 Consumer Reg w/Fraud Charities - Override Commercial Charities Commercial Charities - Override Emerging Markets Debit Merit 1 - Insurance Credit Merit 1 - Real Estate Debit Merit 1 - Insurance Enhanced Merit 1 - Insurance World Merit 1 - Insurance World Elite Merit 1 - Real Estate Credit Merit 1 - Real Estate Enhanced Merit 1 - Real Estate World Merit 1 - Real Estate World Elite High Value Merit 1 Real Estate High Value Merit 1 Insurance World T&E World Elite T&E High Value T&E High Value T&E Large Ticket Lodging and Auto Rental Lodging and Auto Rental Debit Enhanced Passenger Transport Enhanced Lodging and Auto Rental World Elite Airlines Public Sector Credit Enhanced Public Sector World Public Sector World Elite Public Sector High Value Public Sector Service Industries Credit Service Industries Debit Enhanced Service Industries World Service Industries World Elite Service Industries High Value Service Industries Utilities Credit Utilities Debit Enhanced Utilities World Utilities World Elite Utilities High Value Utilities Utilities prepaid Utility Business World Elite 0.00% 2.00% 0.00% 0.80% 1.43% 1.10% 1.43% 1.43% 2.20% 1.10% 1.10% 1.10% 2.20% 2.20% 2.20% 2.30% 2.75% 2.75% 2.00% 1.58% 1.15% 1.90% 1.80% 2.30% 1.55% 1.55% 1.55% 1.55% 1.55% 1.15% 1.15% 1.15% 1.15% 1.15% 1.15% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% $0.00 $0.10 $0.00 $0.25 $0.05 $0.05 $0.05 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.15 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.05 $0.05 $0.05 $0.05 $0.05 $0.05 $0.65 $0.45 $0.65 $0.65 $0.75 $0.75 $0.65 $1.50 Warehouse Base - World Elite Corp Warehouse Base - World Business Business Level 3 Warehouse Base Business Level 4 Warehouse Base World Petroleum Base Petroleum Base World Elite Petroleum Base World Elite T&E Large Ticket World Petroleum Base Cap Petroleum Base Cap World Elite Petroleum Base Cap Enhanced Petroleum Base Cap Petroleum-CAT/AFD Debit Cap Petroleum-Service Station Debit Cap High Value Petro Cap High Value Petroleum Base Petroleum CAT/AFD Debit Petroleum Service Stations Debit Intl Electronic Intl Standard Intl Acquirer UCAF Intl Full UCAF Intl Corporate Intl Purchase Intl Payment Intl Corporate Payment Intl Purchase Large Ticket Intl Data Rate II IR Cons Super Premium Acquirer Chip IR Cons Super Premium Issuer Chip IR Consumer Premium Electronic IR Consumer Premium Full UCAF IR Consumer Premium Standard IR Consumer Premium Merchant UCAF IR Commercial Premium Standard Inter-regional Regulated POS Debit Inter-regional Regulated POS Debit with Fraud Adj Interregional Regulated POS Debit Small Ticket Base Interregional Regulated POS Debit Small Ticket Tier 1 Electronic Consumer Intl Electronic Corporate Intl Cons Super Premium Full UCAF Cons Super Premium Merchant UCAF 5 1.48% 1.48% 1.48% 1.48% 2.00% 1.90% 2.00% 2.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2.00% 0.70% 0.70% 1.10% 1.60% 1.44% 1.54% 2.00% 2.00% 0.19% 0.19% 0.90% 1.70% 1.98% 1.98% 1.85% 1.85% 1.85% 1.85% 2.00% 0.05% 0.05% 0.05% 0.05% 1.10% 1.85% 1.98% 1.98% $0.10 $0.10 $0.10 $0.10 $0.95 $0.95 $0.95 $0.95 $0.95 $0.95 $0.95 $0.17 $0.17 $0.53 $0.53 $30.00 $0.21 $0.22 $0.21 $0.22 MASTERCARD INTERCHANGE APRIL 2015 Utility Business Utility Business World Business Level 1 Utilities Business Level 3 Utilities Business Level 4 Utilities Enhanced Petroleum Base World Full UCAF World Elite Full UCAF Enhanced Merchant UCAF Enhanced Full UCAF High Value Merchant UCAF High Value Full UCAF Commercial Large Ticket 2 Commercial Large Ticket 3 Commercial Payment-World Business Comm Face to Face - World Business Comm Large Ticket 1-World Business Commercial Standard-World Business Comm Data Rate 3-World Business Comm Data Rate 2-World Business Comm Data Rate 1-World Business Commercial T&E 2-World Business Commercial T&E 1-World Business Commercial T&E 3-World Business Comm Large Ticket 2-World Business Comm Large Ticket 3-World Business Comm Payment-World Elite Business Comm Face to Face - World Elite Bus Comm Large Ticket 1-World Elite Bus Comm Standard-World Elite Business Comm Data Rate 3-World Elite Bus Comm Data Rate 2-World Elite Bus Comm Data Rate 1-World Elite Bus Comm T&E 2-World Elite Business Comm T&E 1-World Elite Business Comm T&E 3-World Elite Business Comm Large Ticket 2-World Elite Bus Comm Large Ticket 3-World Elite Bus Comm Payment-World Corporate Comm Face to Face-World Corporate Comm Large Ticket 1-World Corporate 0.00% 0.00% 0.00% 0.00% 0.00% 1.90% 1.97% 2.40% 1.83% 1.93% 2.30% 2.40% 1.25% 1.25% 0.19% 2.16% 1.36% 3.11% 1.91% 2.16% 2.81% 2.51% 2.66% 2.46% 1.36% 1.36% 0.19% 2.21% 1.41% 3.16% 1.96% 2.21% 2.86% 2.56% 2.71% 2.51% 1.41% 1.41% 0.19% 2.50% 1.25% $1.50 $1.50 $1.50 $1.50 $1.50 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $40.00 $40.00 $0.53 $0.10 $40.00 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $40.00 $40.00 $0.53 $0.10 $40.00 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $40.00 $40.00 $0.53 $0.10 $40.00 Merchant UCAF Merchant UCAF Debit World Merchant UCAF World Elite Merchant UCAF Full UCAF Full UCAF Debit Comm Face to Face-World Elite Corp Comm Large Ticket 1-World Elite Corp Comm Standard-World Elite Corporate Comm Data Rate 3-World Elite Corp Comm Data Rate 2-World Elite Corp Comm Data Rate 1-World Elite Corp Comm T&E 2-World Elite Corporate Comm T&E 1-World Elite Corporate Comm T&E 3-World Elite Corporate Comm Large Ticket 2-World Elite Corp Comm Large Ticket 3-World Elite Corp Comm Data Rate 2 Petro - World Bus Commercial Data Rate 2 - MCB Commercial Data Rate 2 - MCO Commercial Data Rate 2 - MCF Commercial Data Rate 2 - MCP Comm Face to Face Petro-World Bus Commercial Face to Face - MCB Commercial Face to Face - MCO Commercial Face to Face - MCF Commercial Face to Face - MCP Commercial T/E 1-MCO Commercial T/E 2-MCO Commercial T/E 3-MCO Commercial T/E 1-MCP Commercial T/E 2-MCP Commercial T/E 3-MCP Commercial T/E 1-MCF Commercial T/E 2-MCF Commercial T/E 3-MCF BE Value Data Rate I BE Value Data Rate II BE Value Data Rate III BE Value Face to Face BE Value Large Ticket I 6 1.68% 1.15% 1.87% 2.30% 1.78% 1.25% 2.50% 1.25% 2.95% 1.80% 2.50% 2.65% 2.55% 2.70% 2.30% 1.20% 1.15% 2.16% 2.20% 2.50% 2.50% 2.50% 2.16% 2.20% 2.50% 2.50% 2.50% 2.50% 2.35% 2.30% 2.70% 2.55% 2.50% 2.70% 2.55% 2.50% 2.81% 2.16% 1.91% 2.16% 1.36% $0.10 $0.15 $0.10 $0.10 $0.10 $0.15 $0.10 $40.00 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $40.00 $40.00 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $40.00 MASTERCARD INTERCHANGE APRIL 2015 Comm Standard-World Corporate Comm Data Rate 3-World Corporate Comm Data Rate 2-World Corporate Comm Data Rate 1-World Corporate Comm T&E 2-World Corporate Comm T&E 1-World Corporate Comm T&E 3-World Corporate Comm Large Ticket 2-World Corporate Comm Large Ticket 3-World Corporate Comm Payment-World Elite Corporate Commercial Data Rate 2 Petro Commercial Face to Face Petro Commercial Data Rate 3 CORP Commercial Data Rate 3 PURC Commercial Large Ticket I CORP Commercial Large Ticket I PURC Commercial Large Ticket II CORP Commercial Large Ticket II PURC Commercial Large Ticket III CORP Commercial Large Ticket III PURC Business Level 3 Data Rate I Business Level 3 Data Rate II Business Level 3 Data Rate III Business Level 4 Data Rate I Business Level 4 Data Rate II Business Level 4 Data Rate III Business Level 3 Face to Face Business Level 4 Face to Face Business Level 3 Large Ticket I Business Level 3 Large Ticket II Business Level 3 Large Ticket III Business Level 4 Large Ticket I Business Level 4 Large Ticket II Business Level 4 Large Ticket III Business Level 3 Standard Business Level 3 T&E Rate I Business Level 3 T&E Rate II Business Level 3 T&E Rate III Business Level 4 T&E Rate II Business Level 4 T&E Rate III Business Level 1 Data Rate I 2.95% 1.80% 2.50% 2.65% 2.55% 2.70% 2.50% 1.35% 1.35% 0.19% 2.21% 2.21% 1.80% 1.80% 1.25% 1.25% 1.20% 1.20% 1.15% 1.15% 2.86% 2.21% 1.96% 2.96% 2.31% 2.06% 2.21% 2.31% 1.41% 1.41% 1.41% 1.51% 1.51% 1.51% 3.16% 2.71% 2.56% 2.51% 2.66% 2.61% 2.65% $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $40.00 $40.00 $0.53 $0.10 $0.10 $0.10 $0.10 $40.00 $40.00 $60.00 $60.00 $80.00 $80.00 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $40.00 $40.00 $40.00 $40.00 $40.00 $40.00 $0.10 $0.00 $0.10 $0.10 $0.10 $0.10 $0.10 Business Level 1 T&E Rate III US Corporate T&E 1 Commercial Standard Business Level 1 Face to Face Business Level 1 Large Ticket I Business Level 1 Large Ticket II Business Level 1 Large Ticket III Business Level 1 Standard Business Level 1 T&E Rate I Business Level 1 T&E Rate II BE Value Large Ticket II BE Value Large Ticket III BE Value Standard BE Value T&E Rate I BE Value T&E Rate II BE Value T&E Rate III BE Value Warehouse Base BE Value Utilities BE Value Data rate 2 Petro BE Value Face to Face Petro Commercial Large Ticket 1 Commercial Data Rate 1 Commercial Data Rate 2 - Petro US Corporate Data Rate 3 Commercial Face to Face - Petro US Corporate T&E 2 Payment Corporate Payment US Corporate T&E 3 Consumer Debit Refund Group1 Consumer Debit Refund Group2 Consumer Debit Refund Group3 Consumer Credit Refund Group1 Consumer Credit Refund Group2 Consumer Credit Refund Group3 Consumer Credit Refund Group4 Consumer Credit Refund Group5 Corporate Credit Refund Group1 Corporate Credit Refund Group2 Corporate Credit Refund Group3 Corporate Credit Refund Group4 7 2.50% 2.50% 2.95% 2.00% 1.20% 1.20% 1.20% 2.95% 2.70% 2.55% 1.36% 1.36% 3.11% 2.66% 2.51% 2.46% 1.48% 0.00% 2.17% 2.17% 1.25% 2.65% 2.05% 1.80% 2.05% 2.35% 0.19% 0.19% 2.30% 1.72% 1.68% 1.40% 2.42% 2.09% 1.95% 1.82% 1.73% 2.37% 2.30% 2.21% 2.16% $0.10 $0.10 $0.10 $40.00 $40.00 $40.00 $0.10 $0.00 $0.10 $40.00 $40.00 $0.10 $0.10 $0.10 $0.10 $1.50 $0.10 $0.10 $40.00 $0.10 $0.10 $0.10 $0.10 $0.10 $0.53 $0.53 $0.10 MASTERCARD INTERCHANGE APRIL 2015 Business Level 1 Data Rate II Business Level 1 Data Rate III Commercial Payments Account Tier 1 Commercial Payments Account Tier 2 Commercial Payments Account Tier 3 Commercial Payments Account Tier 4 Commercial Payments Account Tier 5 MC Large Ticket II Fleet MC Large Ticket III Fleet MC T&E RT 3 Airline LG MKT Cross-Border Assessment –Foreing Intrachange 2.00% 1.75% 1.20% 1.00% 0.90% 0.80% 0.70% 1.20% 1.15% 2.43% 1.00% 1.50% $0.10 $0.10 $0.00 $0.00 $0.00 $0.00 $0.00 $60.00 $80.00 $0.10 MC Acquirer Program Support Fee Cross-border Assessment - Domestic MC Merit 1 Consumer Loan MCC DB MC Merit 1 Consumer Loan MCC DB MX MC Large Ticket 1 Hotel BUS LVL1 MC Large Ticket 1 Hotel Commercial MC Large Ticket 2 Hotel BUS LVL1 MC Large Ticket 2 Hotel Commercial MC Large Ticket 3 Hotel BUS LVL 1 MC Large Ticket 3 Commercial MC Emerging Markets Edu & Govt Debt MC Emerging Markets Edu & Govt Debit CAP Additional MasterCard Association Charges Acq Brand Vol Fee assessment.0012 gross volume trans under $1,000 .0013 gross volume trans over $1,000 Network Access/Brand Usage $.0195 8 0.55% 0.60% 0.80% 0.00% 2.30% 2.30% 2.30% 2.30% 2.30% 2.30% 0.65% $0.25 $2.95 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.15 $2.00 DISCOVER INTERCHANGE APRIL 2015 Retail 1.56% $0.10 Restaurants-Premium 2.20% $0.10 PSL - Retail (Reg) PSL - Retail (Reg w/Fraud) Retail-Debit Retail-Rewards Retail-Premium Retail(Premium Plus) PSL - Retail (Prepaid) PSL - Retail (Prepaid Reg) PSL - Retail (Prepaid Reg w/Fraud) 0.05% 0.05% 1.10% 1.71% 1.71% 2.10% 1.10% 0.05% 0.05% $0.21 $0.22 $0.16 $0.10 $0.10 $0.10 $0.16 $0.21 $0.22 Restaurants(Premium Plus) PSL - Restaurants (Prepaid) PSL - Restaurant (Prepaid Reg) PSL - Restaurant (Prepaid Reg w/Fraud) Key Entry-Core Key Entry-Debit Key Entry (Reg) Key Entry-Rewards Key Entry-Premium 2.30% 1.10% 0.05% 0.05% 1.87% 1.75% 0.05% 1.97% 2.00% $0.10 $0.16 $0.21 $0.22 $0.10 $0.20 $0.21 $0.10 $0.10 Restaurant-Core Restaurants-Debit PSL - Restaurant (Reg) PSL - Restaurant (Reg w/Fraud) 1.56% 1.10% 0.05% 0.05% $0.10 $0.16 $0.21 $0.22 Key Entry(Premium Plus Key Entry (Prepaid) Key Entry (Prepaid Reg) Key Entry (Prepaid Reg w/Fraud) 2.15% 1.75% 0.05% 0.05% $0.10 $0.20 $0.21 $0.22 Restaurants-Rewards Card Not Present/Ecom-Debit PSL - CNP/Ecomm (Reg) PSL - CNP/Ecomm (Reg w/Fraud) PSL - CNP/Ecomm (Prepaid Reg) PSL - CNP/Ecomm (Prepaid Reg w/Fraud) Card Not Present/Ecom-Rewards 1.90% 1.75% 0.05% 0.05% 0.05% 0.05% 1.97% $0.10 $0.20 $0.21 $0.22 $0.21 $0.22 $0.10 Card Not Present/Ecom-Core Hotels/Cars Rentals(Premium Plus) PSL - Hotels/Car Rentals (Prepaid) PSL - Hotels/Car Rentals (Prepaid Reg) PSL - Hotels/Car Rentals (Prepaid Reg w/Fraud) Mid Submission Level-Core Mid Submission Level-Debit 1.87% 2.30% 1.35% 0.05% 0.05% 2.40% 1.80% $0.10 $0.10 $0.16 $0.21 $0.22 $0.10 $0.20 Card Not Present/Ecom-Premium PSL - Card Not Present/E-Commerce (Prepaid) Card Not Present/E Commerce(Premium Plus) Recurring Payments - Core Recurring Payments-Debit PSL - Recurring Pymts (Reg) PSL - Recurring Pymts (Reg w/Fraud)) Recurring Payments-Premium Recurring Payments-Rewards PSL - Recurring Payments (Prepaid) PSL - Recurring Pymts (Prepaid Reg) PSL - Recurring Pymts (Prepaid Reg w/Fraud)) 2.00% 1.75% 2.35% 1.20% 1.20% 0.05% 0.05% 1.20% 1.20% 1.20% 0.05% 0.05% $0.10 $0.20 $0.10 $0.05 $0.05 $0.21 $0.22 $0.05 $0.05 $0.05 $0.21 $0.22 Mid Submission Level (Reg) Mid Submission Level (Reg w/Fraud) Mid Submission Level-Rewards Mid Submission Level-Premium Mid Submission Level(Premium Plus) Mis Submission Level (Prepaid) Mid Submission Level (Prepaid Reg) Mid Submission Level (Prepaid Reg w/Fraud) Base Submission Level-Core Base Submission Level-Debit Base Submission Level (Reg) Base Submission Level (Reg w/Fraud) 0.05% 0.05% 2.40% 2.40% 2.40% 1.80% 0.05% 0.05% 2.95% 1.89% 0.05% 0.05% $0.21 $0.22 $0.10 $0.10 $0.10 $0.20 $0.21 $0.22 $0.10 $0.25 $0.21 $0.22 Recurring Payments(Premium Plus) Emerging Markets-Core Emerging Markets-Debit PSL - Emerging Markets (Reg) PSL - Emerging Markets (Reg w/Fraud) Emerging Markets-Rewards Emerging Markets-Premium Emerging Markets(Premium Plus) 1.80% 1.45% 0.90% 0.05% 0.05% 1.45% 1.45% 2.30% $0.05 $0.05 $0.20 $0.21 $.022 $0.05 $0.05 $0.10 Base Submission Level-Rewards Base Submission Level-Premium Base Submission Level(Premium Plus) Base Submission Level (Prepaid) Base Submission Level (Prepaid Reg) Base Submission Level (Prepaid Reg w/Fraud) Supermarkets/Warehouse-Core Supermarkets/Warehouse-Debit 2.95% 2.95% 2.95% 1.89% 0.05% 0.05% 1.40% 1.10% $0.10 $0.10 $0.10 $0.25 $0.21 $0.22 $0.05 $0.16 9 DISCOVER INTERCHANGE APRIL 2015 PSL - Emerging Markets (Prepaid) PSL - Emerging Markets (Prepaid Reg) PSL - Emerging Markets (Prepaid Reg w/Fraud) Express Services-Core Express Services-Debit 0.90% 0.05% 0.05% 1.95% 1.80% $0.20 $0.21 $0.22 Supermarket/Warehouse Clubs Debit Cap PSL - Smkt/Whse (Reg) PSL - Smkt/Whse (Reg w/Fraud) Supermarket/Warehouse (Reg) Cap Supermarkets/Warehouse-Rewards 0.00% 0.05% 0.05% 0.00% 1.65% $0.36 $0.21 $0.22 $0.36 $0.05 PSL - Express Services (Reg) PSL - Express Services (Reg w/Fraud) Express Services-Rewards Express Services-Premium Express Services(Premium Plus) PSL - Express Services (Prepaid) PSL - Express Services (Prepaid Reg) PSL - Express Services (Prepaid Reg w/Fraud) Hotels/Car Rentals-Core Hotels/Car Rentals-Debit PSL - Hotels/Car Rentals (Reg) PSL - Hotels/Car Rentals (Reg w/Fraud) 0.05% 0.05% 1.95% 1.95% 2.05% 1.80% 0.05% 0.05% 1.58% 1.35% 0.05% 0.05% $0.21 $0.22 $0.00 $0.21 $0.22 $0.10 $0.16 $0.21 $0.22 Supermarkets/Warehouse-Premium PSL - Supermarkets/Warehouse Clubs (Prepaid) PSL - Smkt/Whse (Prepaid Reg) PSL - Smkt/Whse (Prepaid Reg w/Fraud) Supermarkets/warehouse Clubs(Premium Plus) Utilities-Core Utilities-Debit PSL - Utilities (Reg) PSL - Utilities (Reg w/Fraud) Utilities-Rewards Utilities-Premium Utilities(Premium Plus) 1.65% 1.10% 0.05% 0.05% 1.90% 0.00% 0.00% 0.05% 0.05% 0.00% 0.00% 0.00% $0.05 $0.16 $0.21 $0.22 $0.10 $0.75 $0.75 $0.21 $0.22 $0.75 $0.75 $0.75 Hotels/Car Rentals-Rewards 1.90% $0.10 PSL - Utilities (Prepaid) 0.00% $0.75 Hotels/Car Rentals-Premium PSL - Utilities (Prepaid Reg w/Fraud) Passenger Transport-Core Passenger Transport-Debit PSL - Passenger Transport (Reg) PSL - Passenger Transport (Reg w/Fraud) Passenger Transport-Rewards Passenger Transport-Premium Passenger Transport(Premium Plus) 2.30% 0.05% 1.75% 1.59% 0.05% 0.05% 1.90% 2.30% 2.30% $0.10 $0.22 $0.10 $0.16 $0.21 $0.22 $0.10 $0.10 $0.10 PSL - Utilities (Prepaid Reg) Insurance Premium Insurance(Premium Plus) PSL - Insurance (Prepaid) PSL - Insurance (Prepaid Reg) PSL - Insurance (Prepaid Reg w/Fraud) Non-Exempt with Fraud Prevention Adjustment Non-Exempt Commercial Electronic 0.05% 1.43% 2.30% 0.80% 0.05% 0.05% 0.05% 0.05% 2.30% $0.21 $0.05 $0.05 $0.25 $0.21 $0.22 $0.22 $0.21 $0.10 PSL - Passenger Transport (Prepaid) PSL - Passenger Transport (Prepaid Reg) PSL - Passenger Transport (Prepaid Reg w/Fraud) Petroleum-Core Petroleum-Debit PSL - Petroleum (Reg) PSL - Petroleum (Reg w/Fraud) Petroleum-Rewards Petroleum-Premium Petroleum(Premium Plus) PSL - Petroleum (Prepaid) 1.59% 0.05% 0.05% 1.55% 0.76% 0.05% 0.05% 1.73% 1.73% 1.73% 0.76% $0.16 $0.21 $0.22 $0.05 $0.16 $0.21 $0.22 $0.05 $0.05 $0.05 $0.16 Commercial Electronic (Debit) US Commercial Electronic (Prepaid) Commercial Electronic (Prepaid Reg) Commercial Electronic (Prepaid Reg w/Fraud) Commercial Base Commercial Base Submission (Debit) US Commercial Base Submission Level (Prepaid) Commercial Base Submission (Prepaid Reg) Commercial Base Submission (Prepaid Reg w/Fraud) Commercial Utilties Commercial Utilities (Debit) 2.30% 2.30% 0.05% 0.05% 2.95% 2.95% 2.95% 0.05% 0.05% 0.00% 0.00% $0.10 $0.10 $0.21 $0.22 $0.10 $0.10 $0.10 $0.21 $0.22 $1.50 $1.50 10 DISCOVER INTERCHANGE APRIL 2015 PSL - Petroleum (Prepaid Reg) PSL - Petroleum (Prepaid Reg w/Fraud) Public Services-Core Public Services-Debit PSL - Public Services (Reg) 0.05% 0.05% 1.55% 0.90% 0.05% $0.21 $0.22 $0.10 $0.20 $0.21 Commercial Utilities (Reg) Commercial Utilities (Reg w/Fraud) US Commercial Utilities (Prepaid) Commercial Utilities (Prepaid Reg) Commercial Utilities (Prepaid Reg w/Fraud) 0.05% 0.05% 0.00% 0.05% 0.05% $0.21 $0.22 $1.50 $0.21 $0.22 PSL - Public Services (Reg w/Fraud) Public Services-Rewards Public Services-Premium Public Services(Premium Plus) PSL - Public Services (Prepaid) PSL - Public Services (Prepaid Reg) PSL - Public Services (Prepaid Reg w/Fraud) Real Estate Core Real Estate Debit PSL - Real Estate (Reg) PSL - Real Estate (Reg w/Fraud) Real Estate Premium 0.05% 1.55% 1.55% 1.55% 0.90% 0.05% 0.05% 1.10% 1.10% 0.05% 0.05% 1.10% $0.22 $0.10 $0.10 $0.10 $0.20 $0.21 $0.22 Commercial Large Ticket Commercial Large Ticket (Debit) Commercial Large Ticket (Reg) Commercial Large Ticket (Reg w/Fraud) US Commercial Large Ticket (Prepaid) Commercial Large Ticket (Prepaid Reg) Commercial Large Ticket (Prepaid Reg w/Fraud) Voucher Program 1-Core Consumer Adjustment Voucher Program 1 Voucher Program 1-Rewards Voucher Program 1-Debit Voucher Program 1-Premium 0.90% 0.90% 0.05% 0.05% 0.90% 0.05% 0.05% 2.07% 2.07% 2.07% 1.80% 2.07% $20.00 $20.00 $0.21 $0.22 $20.00 $0.21 $0.22 Real Estate(Premium Plus) PSL - Real Estate (Prepaid) PSL - Real Estate (Prepaid Reg) PSL - Real Estate (Prepaid Reg w/Fraud) Insurance Core Insurance Debit PSL - Insurance (Reg) PSL - Insurance (Reg w/Fraud) 2.30% 1.10% 0.05% 0.05% 1.43% 0.80% 0.05% 0.05% $0.10 $0.00 $0.21 $0.22 $0.05 $0.25 $0.21 $0.22 Consumer Adj Voucher Program 1 (Reg) Consumer Adj Voucher Program 1 (Prepaid Reg) Voucher Program 2-Core US Consumer Adj Voucher Program 1 (Prepaid) Consumer Adjustment Voucher Program 2 Voucher Program 2-Rewards Voucher Program 2-Debit Voucher Program 2-Premium 0.00% 0.00% 2.02% 1.80% 2.02% 2.02% 1.69% 2.02% Insurance Rewards Consumer Adj Voucher Program 2 (Prepaid Reg) US Consumer Adj Voucher Program 2 (Prepaid) Voucher Program 3-Core Voucher Program 3-Rewards 1.43% 0.00% 1.69% 1.75% 1.75% $0.05 $0.00 $0.00 Consumer Adjustment Voucher Program 2 (Reg) Voucher Program - International Commercial Voucher 1 Commercial Adj Voucher Program 1 (Debit) Commercial Adj Voucher Program 1 (Reg) 0.00% 0.00% 2.25% 2.25% 0.00% $0.00 $0.00 Voucher Program 3-Debit Voucher Program 3-Premium Consumer Adjustment Voucher Program 3 Consumer Adj Voucher Program 3 (Reg) Consumer Adj Voucher Program 3 (Prepaid Reg) US Consumer AdjVoucher Program 3 (Prepaid) US Intnl Adjustment Voucher Program (Prepaid) 1.35% 1.75% 1.75% 0.00% 0.00% 1.35% 0.00% US Commercial Adj Voucher Program 1 (Prepaid) Comm Adj Voucher Program 1 (Prepaid Reg) 2.25% 0.00% $0.00 $0.00 International Electronic International Base Submission Level International Processing Fee International Service Fee Intrachange 1.36% 1.70% 0.40% 0.55% 1.50% $0.21 $0.22 $0.00 $0.00 $0.00 $0.00 Additional Discover Association Charges Card Assessment Fee - .0011 gross sales DS Data Usage Charge 0.00% $.0185 11 $0.10
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