INTERCHANGE RATES MASTERCARD AND VISA

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1 INTERCHANGE RATES MASTERCARD AND VISA

2 UK Domestic UK Domestic Fees Effective: as at 1 December 2014 Commercial Card Interchange Rates Corporate Card Purchasing Card Business Card Commercial Prepaid Prepaid Platinium < % 0.80% 0.80% 0.60% 1.60% 1.60% Chip & Pin 1.30% 1.30% 1.60% 1.60% 1.60% 1.60% 1.75% 1.75% 1.55% 1.55% 1.90% 1.90% 1.70% 1.70% Large Ticket Level % Large Ticket Level % Incentive Corporate Card incentive fees apply if the acquirer meets the requirements and provides the required additional data. 0.60% 0.60% 0.75% 0.85% -

3 UK Domestic UK Domestic Fees Effective: as at 9 September 2015 Consumer Card Consumer, Electronic World World Elite/ World Signia Rewards Chip & Pin = Merchant offers 3D Secure Code = 3D Secure Merchant and Secure Code enrolled Cardholder UK Domestic Fees Effective: as at 9 December 2015 Consumer Card Consumer, Electronic % World % World Elite/ World Signia % Rewards % Chip & Pin = Merchant offers 3D Secure Code = 3D Secure Merchant and Secure Code enrolled Cardholder

4 UK Domestic UK Domestic Fees Effective: as at 1 September 2015 UK Domestic Fees Effective: as at 9 December 2015 Consumer Card Consumer Card < Maestro, Maestro Prepaid 0.04p 0.60% +0.01p World/ World Elite 0.60% +0.01p Prepaid 0.60 % for Business 0.60% +0.01p < Maestro, Maestro Prepaid World/ World Elite Prepaid for Business 0.60% +0.01p Paypass > Over p 0.12p Paypass > Over p Card 0.08p 0.08p Terminal 0.08p** 0.08p** 0.08p ** ** Chip & Pin 0.07p 0.11p 0.11p 0.60 % 0.17p Chip & Pin 0.17p 0.70 % 0.27p 0.27p 0.08p 0.08p 0.70 % 0.12p 0.12p 0.12p 0.12p 0.75 % 0.18p 0.18p Secure ecom 0.09p Secure ecom MoTo 0.12p MoTo 0.12p 0.18p 0.18p 0.85 % 0.27p 0.27p - - Corporate Card incentive fees apply if the acquirer meets the requirements and provides the required additional data. ** = Please consult your Relationship Manager regarding these Fees Corporate Card incentive fees apply if the acquirer meets the requirements and provides the required additional data. ** = Please consult your Relationship Manager regarding these Fees

5 Intra EEA Fees Consumer Card Effective: as at 16 October 2014 Consumer Credit/ Gold Credit/ Platinum Credit/ Electronic Consumer Credit/ Prepaid Consumer/ Prepaid Platinium World Credit/ World Black Edition World Elite/World Signia Credit / Prepaid/ World/ Consumer / Electronic Consumer / World / World Elite/World Signia / World Elite Delayed / World Delayed 0.15% + EUR % + EUR Chip 0.15% + EUR % + EUR % + EUR % + EUR % + EUR % + EUR % + EUR % + EUR Large Ticket Level 1 - transactions greater than EUR 3,000. Enriched data incentive not applicable Large Ticket Level 2 - transctions greater than EUR 10,000. Enriched data incentive not applicable Intra-EEA fallback fees apply to cross-border transactions where the issuer country and merchant country are both in the EEA subregion, as defined in the section EEA Subregion in Fee Concepts. Corporate Card incentive fees apply if the acquirer meets the requirements and provides the required additional data. Please see following page for revised rates effective: as at 9 December 2015

6 Intra EEA Fees Consumer Card Effective: as at 9 December 2015 Consumer Credit/ Gold Credit/ Platinum Credit/ Electronic Consumer Credit/ Prepaid Consumer/ Prepaid Platinium World Credit/ World Black Edition World Elite/World Signia Credit / Prepaid/ World/ Consumer / Electronic Consumer / World / World Elite/World Signia / World Elite Delayed / World Delayed Chip 0.17% + EUR % + EUR % 0.30 % 0.30 % 0.15% + EUR % + EUR % + EUR % + EUR % + EUR % + EUR % 0.20 % 0.17% + EUR % + EUR Large Ticket Level 1 - transactions greater than EUR 3,000. Enriched data incentive not applicable Large Ticket Level 2 - transctions greater than EUR 10,000. Enriched data incentive not applicable Intra-EEA fallback fees apply to cross-border transactions where the issuer country and merchant country are both in the EEA subregion, as defined in the section EEA Subregion in Fee Concepts. Corporate Card incentive fees apply if the acquirer meets the requirements and provides the required additional data. Intra EEA Region Includes: The 28 Member States of the European Union Austria, Belgium, Bulgaria, Cyprus, Croatia, Czech Republic, Denmark (including Faroe Islands, Greenland), Estonia, Finland, France (Including French Guina, Guadeloupe, Martinique, Renunion, Mayotte, Saint Bathelemy, Saint Martin(FrenchPart), Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and United Kingdom (including Falklands, Gibraltar, Guernsey, Isle of Man, Jersey, Saint Helena, Ascension and Tristan Da Cunha Helena, South Georgia and the South Sandwich Islands) Andorra, Iceland, Liechtenstein, Monaco, Norway (including Svalbard and Jan Mayen, Antarctica), San Marino, and Holy See (Vatican City State)

7 Intra EEA Fees Maestro Effective: as at 25 September 2015 Maestro/ Maestro Prepaid Consumer Maestro Delayed Maestro Prepaid Commercial Maestro Small Business 0.13% % % % 0.15% % Chip 0.13% % % % Chip - Late Presentment 0.15% % % % PIN - Verified 0.14% % % Signature Verified 0.15% % % % Secure E-Commerce 0.16% % MoTo 0.16% % Intra-EEA fallback fees apply to cross-border transactions where the issuer country and merchant country are both in the EEA subregion, as defined in the section EEA Subregion in Fee Concepts. Corporate Card incentive fees apply if the acquirer meets the requirements and provides the required additional data. Please see following page for revised rates effective: as at 9 December 2015

8 Intra EEA Fees Maestro Effective: as at 9 December 2015 Maestro/ Maestro Prepaid Consumer Maestro Delayed Maestro Prepaid Commercial Maestro Small Business 0.45% % Chip 0.40% % Chip - Late Presentment 0.75% % PIN - Verified 0.50% Signature Verified 0.75% % Secure E-Commerce MoTo Intra-EEA fallback fees apply to cross-border transactions where the issuer country and merchant country are both in the EEA subregion, as defined in the section EEA Subregion in Fee Concepts. Corporate Card incentive fees apply if the acquirer meets the requirements and provides the required additional data. Please see following page for revised rates effective: as at 9 December 2015

9 Intra European Fees Consumer Card Effective: as at 16 October 2014 Consumer Standards/ Electronic Gold Platinium World/World Black Edition World Elite/ World Signia Prepaid consumer Prepaid Platinium / Prepaid/ World/ World Elite 1.23% 1.90% 2.00% 2.10% Chip 1.23% 1.90% 2.00% 2.10% 1.29% 1.38% 1.90% 2.00% 2.10% 1.29% 1.29% 1.29% 1.38% 1.90% 2.00% 2.10% 1.29% 1.29% 1.49% 1.58% 1.90% 2.00% 2.10% 1.49% 1.49% 1.64% 1.73% 1.90% 2.00% 2.10% 1.64% 1.64% Large Ticket Level 1 - transactions greater than EUR 3,000. Enriched data incentive not applicable Large Ticket Level 2 - transctions greater than EUR 10,000. Enriched data incentive not applicable Intra-European interchange and service fees are applicable to transactions between merchants and issuers established in different Europe subregions (Western and Eastern subregions), unless bilaterally-agreed fallback rates apply. Corporate Card incentive fees apply if the acquirer meets the requirements and provides the required additional data.

10 Intra European Fees Commercial Card Effective: as at 16 October 2014 Corporate/ World Business/ Electronic Corporate Business/ Professional Card/ Executive BusinessCard/ Corporate Executive Card/ Electronic BusinessCard/ for Business Purchasing Fleetcard Prepaid Commercial 1.15% 1.15% 1.15% 1.15% 1.15% Chip 1.75% (-) 1.70% (-) 1.75% (-) 1.75% (-) 1.70% (-) (-) 1.80% (-) (-) (-) 1.80% (-) (-) 1.80% (-) (-) (-) 1.80% (-) 2.00% (-) 1.95% (-) 2.00% (-) 2.00% (-) 1.95% (-) 2.25% (-) 2.10% (-) 2.25% (-) 2.25% (-) 2.10% (-) Large Ticket Level 1 - transactions greater than EUR 3,000. Enriched data incentive not applicable 1.60% + EUR % + EUR Large Ticket Level 2 - transctions greater than EUR 10,000. Enriched data incentive not applicable + EUR EUR Intra-European interchange and service fees are applicable to transactions between merchants and issuers established in different Europe subregions (Western and Eastern subregions), unless bilaterally-agreed fallback rates apply. Corporate Card incentive fees apply if the acquirer meets the requirements and provides the required additional data.

11 Intra Fees - Western Subregion Consumer Card Consumer Standard/ Gold/ Platinum/ Electronic World/ World Black Edition World Elite/ World Signia Prepaid Consumer/ Prepaid Platinum / Prepaid/ World/ World Elite 0.80 % 0.80 % 0.80 % 0.55 % 0.80 % Chip 0.80 % 1.30 % 1.50 % 0.55 % 0.80 % 0.95 % 1.40 % 1.60 % 0.70 % 0.95 % 0.95 % 1.40 % 1.60 % 0.70 % 0.95 % 1.15 % 1.55 % 1.75 % 0.75 % 1.15 % 1.20 % 1.70 % 1.90 % 0.85 % 1.20 % Large Ticket Level 1 (Transactions greater than EUR 3,000) Large Ticket Level 2 (Transactions greater than EUR 10,000) tier is applicable to any Electronic card internet transactions only through the use of Securecode through Universal Card Acceptance (UCAF) authentication. - for transactions less than or equal to EUR 25 or it equivalent local currency. Transactions greater then EUR 25 or its equivalent local currency are processed under normal acceptance criteria. Western Subregion includes: Austria, Belgium, Bulgaria, Cyprus, Croatia, Czech Republic, Denmark (including Faroe Islands, Greenland), Estonia, Finland, France (Including French Guina, Guadeloupe, Martinique, Renunion, Mayotte, Saint Bathelemy, Saint Martin(FrenchPart), Germany, Greece, Hungary, Ireland, Italy, Latvia, Llithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and United Kingdom (including Falklands, Gibraltar, Guernsey, Isle of Man, Jersey, Saint Helena, Ascension and Tristan Da Cunha Helena, South Georgia and the South Sandwich Islands) Andorra, Iceland, Liechtenstein, Monaco, Norway (including Svalbard and Jan Mayen, Antarctica), San Marino, and Holy See (Vatican City State) Switzerland.

12 Intra Fees - Western Subregion Commercial Corporate/ World Business/ Electronic Corporate BusinessCard/ Electronic BusinessCard/ Professional Card/ for Business Purchasing Fleetcard Prepaid Commercial 0.80% 0.80% 0.80% 0.80% 0.55% Chip (-) 1.25% (-) (-) (-) 1.25% (-) 1.60% (-) (-) 1.60% (-) 1.60% (-) (-) 1.60% (-) (-) 1.60% (-) 1.60% (-) (-) 1.75% (-) (-) 1.75% (-) 1.75% (-) (-) 1.90% (-) 1.65% (-) 1.90% (-) 1.90% (-) 1.60% (-) Large Ticket Level 1 (Transactions greater than EUR 3,000) 1.00% + EUR % + EUR Large Ticket Level 2 (Transactions greater than EUR 10,000) 0.75% + EUR % + EUR tier is applicable to any Electronic card internet transactions only through the use of Securecode through Universal Card Acceptance (UCAF) authentication. - for transactions less than or equal to EUR 25 or it equivalent local currency. Transactions greater then EUR 25 or its equivalent local currency are processed under normal acceptance criteria. Western Subregion includes: Austria, Belgium, Bulgaria, Cyprus, Croatia, Czech Republic, Denmark (including Faroe Islands, Greenland), Estonia, Finland, France (Including French Guina, Guadeloupe, Martinique, Renunion, Mayotte, Saint Bathelemy, Saint Martin(FrenchPart), Germany, Greece, Hungary, Ireland, Italy, Latvia, Llithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and United Kingdom (including Falklands, Gibraltar, Guernsey, Isle of Man, Jersey, Saint Helena, Ascension and Tristan Da Cunha Helena, South Georgia and the South Sandwich Islands) Andorra, Iceland, Liechtenstein, Monaco, Norway (including Svalbard and Jan Mayen, Antarctica), San Marino, and Holy See (Vatican City State) Switzerland.

13 Intra Fees - Eastern Subregion Consumer Card Consumer Standards/ Electronic Gold Platinium World/World Black Edition World Elite/ World Signia Prepaid Consumer / Prepaid/ World/ World Elite 1.23% 1.90% 2.00% 2.10% Chip 1.14 % 1.23 % 1.90 % 2.00 % 2.10 % 1.29 % 1.38 % 1.90 % 2.00 % 2.10 % 1.29% 1.29% 1.29 % 1.38 % 1.90 % 2.00 % 2.10 % 1.29% 1.29% 1.49 % 1.58 % 1.90 % 2.00 % 2.10 % 1.49% 1.49% 1.64 % 1.73 % 1.90 % 2.00 % 2.10 % 1.64% 1.64% Large Ticket Level 1 (Transactions greater than EUR 3,000) Large Ticket Level 2 (Transactions greater than EUR 10,000) Check incentive fees for Corporate products - if applicable add in Eastern Subregion includes: Albania, Armenia, Belarus, Bosnia and Herzegovina, Georgia, Israel, Kazakhstan, Kosovo (United Nations Mission in Kosovo), Kyrgyzstan, Macedonia, Moldova, Montenegro, Russian Federation, Serbia, Tajikistan, Turkey, Turkmenistan, Ukraine, and Uzbekistan.

14 Intra Fees - Eastern Subregion Commercial Card Effective: as at 16 October 2014 Corporate/ World Business/ Electronic Corporate Business/ Professional Card/ Executive BusinessCard/ Corporate Executive Card/ Electronic BusinessCard/ for Business Purchasing Fleetcard Prepaid Commercial 1.15% 1.15% 1.15% 1.15% 1.15% Chip 1.75% (-) 1.70% (-) 1.75% (-) 1.75% (-) 1.70% (-) (-) 1.80% (-) (-) (-) 1.80% (-) (-) 1.80% (-) (-) (-) 1.80% (-) 2.00% (-) 1.95% (-) 2.00% (-) 2.00% (-) 1.95% (-) 2.25% (-) 2.10% (-) 2.25% (-) 2.25% (-) 2.10% (-) Large Ticket Level 1 (Transactions greater than EUR 3,000) 1.60% + EUR % + EUR Large Ticket Level 2 (Transactions greater than EUR 10,000) + EUR EUR Check incentive fees for Corporate products - if applicable add in Eastern Subregion includes: Albania, Armenia, Belarus, Bosnia and Herzegovina, Georgia, Israel, Kazakhstan, Kosovo (United Nations Mission in Kosovo), Kyrgyzstan, Macedonia, Moldova, Montenegro, Russian Federation, Serbia, Tajikistan, Turkey, Turkmenistan, Ukraine, and Uzbekistan.

15 International Fees Consumer and Commercial Card Effective: as at 16 October 2014 Consumer Consumer Premium/ Platinum/Platinum Prepaid Travel Card Consumer Super Premium/World Corporate/ Business Card/ Professional Card/ Executive Business Card/ Executive Card/ Prepaid Commercial/ for Business Purchasing Consumer Standard 1.60% 1.98% 2.00% 2.00% 1.44% 1.98% 1.54% 1.98% Consumer Electronic 1.98% Large Ticket 0.90% + USD Commercial Purchising Data Rate II 1.7%

16 UK Domestic and Business Fees New UK Consumer Credit Fees Visa Consumer Card Visa Consumer Card Effective: 1 March 2015 Effective: 9 December 2015 Secure Immediate ppt Credit & Deferred Charge Card Immediate ppt Credit & Deferred % Charge Card % Contactless ( ) % 0.65% Contactless ( ) Contactless ( ) Contactless ( ) Contactless ( ) Parking ( ) Vending ( ) (MIF cap of per 0.08 transaction) 0.65% 0.65% 0.77% 0.77% 0.77% 0.65% 0.65% 1.02% 1.02% 1.02% Parking ( ) Vending ( ) EMV Chip Secure Electronic Commerce UK V.me by Visa (MIF cap of 0.50 per transaction) EMV Chip Secure Electronic Commerce UK V.me by Visa Non Secure Electronic Commerce - Low Value Payment ( ) First transaction must be Secure E-Com Card Not Present - CVV2 Recurring Transaction Card Not Present (CNP) Standard/Non-Electronic Airline - Chip Terminal Airline (MIF cap of 1.00 per transaction) (MIF cap of 1.00 per transaction) 0.77% 0.87% 0.87% 0.65% 1.30% 1.30% 1.00% 1.02% 1.12% 1.12% 0.90% 1.55% 1.55% 1.25% Electronic Commerce - Low Value Payment ( ) First transaction must be Secure E-Com Card Not Present - CVV2 Recurring Transaction Card Not Present (CNP) Standard/Non-Electronic Airline - Chip Terminal Airline Standard Refund Interchange Fee Refund - Card Present (MIF cap of 1.00 per transaction) (MIF cap of 1.00 per transaction) Standard Refund Interchange Fee Refund - Card Present Refund - MoTo and CNP Refund - E-Commerce 0.80% 1.05% Refund - MoTo and CNP Refund - E-Commerce

17 UK Domestic Fees Visa Consumer Card New UK Domestic and Business Fees Visa Commercial Card Effective: 20 April 2013 Effective: 1 March 2015 Immediate ppt Credit & Deferred Charge Card Secure Immediate ppt Credit & Deferred Charge Card Business Corporate % Business - Secure (MIF cap of 0.75 per transaction) Purchasing 1.70% Business - Non Secure (MIF cap of 1.50 per transaction) Corporate 1.70% Purchasing 1.70%

18 Visa Consumer Card Effective: 1st Jan 2015 (for applicable txns) Immediate Contactless & Paywave Known & Variable ( 0.00 to 20.00) Secure Consumer Credit These fees relate to the Visa Cross Border Domestic Interchange Programme EMV Terminal online authorised or offline approved (exc Fallback) Paywave Transit & Contactless (above 20.00) Parking EMV terminal online authorised or offline approved (below 50.00) Vending EMV terminal online authorised or offline approved (below 20.00) Secure E-Commerce V.Me

19 Intra Visa Europe Fees - EEA* Markets Intra Visa Europe Fees - EEA* Markets Visa Consumer Card Visa Commercial Cards Effective: 9 December 2015 Effective: 1 October 2014 Contactless & Paywave Known & Variable ( 0.00 to 20.00) Secure EMV Terminal online authorised or offline approved (exc Fallback) Paywave Transit & Contactless (above 20.00) Parking EMV terminal online authorised or offline approved (below 50.00) Vending EMV terminal online authorised or offline approved (below 20.00) Secure E-Commerce V.Me Immediate Credit & Deferred Business Standard Business Parking Business Vending Business EMV Business Electronic Online Authorised Corporate/Purchasing Standard Coporate/Purchasing Parking Corporate/Purchasing Vending Corporate/Purchasing EMV Corporate/Purchasing EA Immediate Credit & Deferred 1.45% 1.30% 1.30% 1.30% 1.45% Non Secure Electronic authorised - magstripe read online authorised Electronic data capture - magstripe read not authorised CVV2 Card Not Present Recurring Card Not Present Airline MCCs ( for Immediate ) Standard Non-Electronic or Reclassified * Transactions where both the merchant and the issuer are within an EEA country Applicable to the following transactions: i) EEA Issued Visa Europe cards transacting at EEA based merchants (in a different country) ii) Non-EEA issued Visa Europe cards transacting at EEA based merchants iii) EEA issued Visa Europe cards transacting at Turkish merchants V PAY Cards General (All V PAY transactions excluding E-Commerce) Electronic Commerce (only E-Commerce V PAY transactions, V PAY transactions are not eligible for V.me by Visa incentive rates) V PAY Cards General (All V PAY transactions excluding E-Commerce) Electronic Commerce (only E-Commerce V PAY transactions, V PAY transactions are not eligible for V.me by Visa incentive rates) Effective: January 2015 V PAY 0.16% Effective: 9 December 2015 V PAY EEA Markets Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden & UK

20 Intra Visa Europe Fees - Non-EEA* Markets Intra Visa Europe Fees - Non-EEA* Markets Visa Consumer Card Effective: 1 May 2014 Visa Commercial Cards Effective: 1 May 2014 Immediate Credit & Deferred Immediate Credit & Deferred Contactless ( 0.00 to 20.00) Variable Fare Contactless below Known Fare Contactless below Variable Fare Contactless above % 0.50% 0.50% 0.50% Business Standard Business Parking Business Vending Business EMV % 1.30% 1.30% 1.30% Secure EMV Terminal online authorised or offline approved (exc Fallback) Parking EMV terminal online authorised or offline approved (below 50.00) Vending EMV terminal online authorised or offline approved (below 20.00) Secure E-Commerce % 0.50% 0.50% 0.50% Business Electronic Online Authorised Corporate/Purchasing Standard Coporate/Purchasing Parking Corporate/Purchasing Vending Corporate/Purchasing EMV Corporate/Purchasing EA V PAY Cards 1.45% Effective: July 2015 V.Me % V PAY Non Secure Electronic authorised - magstripe read online authorised % Electronic data capture - magstripe read not authorised) 0.22 CVV2 Card Not Present % Recurring % Card Not Present 0.22 Airline MCCs ( for Immediate ) 0.75% Standard Non-Electronic or Reclassified % * Transactions where either the merchant or the issuer or both are within a non-eea country V PAY - Contactless Low Value Payment (below 20.00) 0.06 V PAY - EMV 0.15 V PAY - Electronic Commerce 0.15 V PAY - V.me by Visa (V PAY transactions are not eligible for V.me by Visa incentive rates) 0.15 V PAY - Non Qualified 0.22 Any V PAY transactions incorrectly submitted for the fees listed above will qualify for the equivalent Visa consumer immediate debit rate. *Non-EEA Markets Andorra, Greenland, Israel, Monaco, San Marino, Switzerland, Turkey, Vatican City

21 Visa International Fees Visa Consumer Card Effective: 2012 Visa International Fees Visa Commercial Cards Effective: 2012 Immediate, Credit & Deferred Immediate, Credit & Deferred Chip Full PIN (Chip Terminal, Chip Card, PIN Authorised) Chip Full (Chip Terminal, Chip Card) Business/Corporate/Purchasing 2.00% Chip Terminal 1.00% Electronic (Not full Chip data terminal, Mag-stripe card) Chip ISS (Mag-stripe Terminal, Chip card) 1.20% Secure ecom 1.44% Airline Airline Chip 1.00% Airline Chip Full Airline Chip Full PIN Standard 1.60% Visa Premium (Visa Platinum) 1.80% Visa Infinite & Visa Signature Fees Visa Super Premium 1.97%

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