Visa Infinite Infinite Platinum

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1 INTERCHANGE RATES The following is a summary of interchange rates of Visa Canada, MasterCard Canada, Discover Financial Service and Interac Direct Payment. For more information please visit: VISA CANADA INTERCHANGE REIMBURSEMENT FEES Domestic Consumer Credit & Debit Products Classic / Gold / Visa Infinite Infinite Platinum Privilege Visa Debit Industry Program - Grocery 1.36% 1.56% 2.00% 0.15% + $0.05 Industry Program Gas 1.21% 1.41% 2.00% 0.15% + $0.05 Performance Program Tier % 1.60% 2.00% 0.15% + $0.05 Performance Program Tier % 1.65% 2.00% 0.15% + $0.05 Recurring Payments 1.40% 1.60% 2.00% 0.60% Emerging Segments 1.00% 1.20% 2.00% 0.30% Electronic 1.54% 1.74% 2.25% 0.25% + $0.05 Standard 1.65% 1.85% 2.65% 1.15% Domestic Business, Corporate & Purchasing Credit Products Visa Infinite Business Privilege Corporate Purchasing Business Industry Program - Grocery 1.85% 2.00% 1.85% 1.85% Industry Program Gas 1.80% 2.00% 1.80% 1.80% Performance Program Tier % 2.00% 1.80% 1.80% Performance Program Tier % 2.00% 1.85% 1.85% Recurring Payments 1.85% 2.00% 1.85% 1.85% Emerging Segments 1.80% 2.00% 1.80% 1.80% Electronic 1.90% 2.25% 1.90% 1.90% Standard 2.00% 2.65% Domestic Prepaid Products Visa Prepaid Visa Prepaid Card 1.25%

2 VISA CANADA INTERCHANGE REIMBURSEMENT FEES International Interchange Reimbursement Fees Visa Classic / Visa Gold/ Visa Platinum / Electron Visa Signature/ Visa Premium Visa Signature Preferred / Visa Infinite All Commercial Products Electronic 1.10% 1.80% 1.97% 2.00% Standard 1.60% 1.80% 1.97% 2.00% Airline 1.10% 1.80% 1.97% 2.00% Chip Incentive Rates Full Chip Data Device with PIN 1.10% 1.80% 1.97% 2.00% Full Chip Data Device 1.10% 1.80% 1.97% 2.00% Acquirer Chip (Chip Terminal & Magnetic-stripe Card) Issuer Chip (Magnetic-stripe Terminal & Chip Card) Secure ecommerce Incentive Rates Secure ecommerce Transaction Additional Transaction Types Original Credit Transaction (OCT) OCT Fast Funds Delivery 1.00% 1.80% 1.97% 2.00% 1.20% 1.80% 1.97% 2.00% 1.44% 1.80% 1.97% 2.00% $0.49 USD $0.89 USD Interlink 1.10%

3 MASTERCARD CANADA INTERCHANGE RATE PROGRAMS Canada Consumer Interchange Rates Core High Merchants with annual MasterCard dollar volume in Canada in excess of $1 billion Merchants with annual MasterCard dollar volume in Canada in excess of $400 million Petroleum merchants with annual MasterCard dollar volume in Canada in excess of $400 million Supermarket merchants with annual MasterCard dollar volume in Canada in excess of $400 million All other electronically-captured MasterCard card present transactions 1.40% 1.60% 2.00% 1.45% 1.65% 2.00% 1.21% 1.41% 2.00% 1.36% 1.56% 2.00% 1.59% 2.00% 2.25% All other MasterCard transactions 1.72% 2.13% 2.65% Transactions conducted with a MasterCard card enabled with MasterCard PayPass that are equal to or less than CAD % + CAD % + CAD % + CAD 0.07 Emerging Sectors Rate 1.00% 1.25% 1.50% Canada Commercial Interchange Rates Merchants with annual MasterCard dollar volume in Canada in excess of $1 billion Merchants with annual MasterCard dollar volume in Canada in excess of $400 million Petroleum merchants with annual MasterCard dollar volume in Canada in excess of $400 million Supermarket merchants with annual MasterCard dollar volume in Canada in excess of $400 million Core All other electronically-captured MasterCard card present transactions 2.00% 2.25% All other MasterCard transactions 2.00% 2.65% Canada Commercial Interchange Rates Fleet / Corporate / Purchasing / Distribution Multi Data Rate % N/A Data Rate % N/A Large Ticket 1.20% N/A Distribution N/A 0.90% No enhanced data

4 MASTERCARD CANADA INTERCHANGE RATE PROGRAMS International Consumer Interchange Rates Core Electronically-captured transactions 1.10% 1.85% ecommerce transactions where only the merchant is enrolled in MasterCard SecureCode 1.44% 1.85% ecommerce transactions where both the merchant and cardholder are enrolled in MasterCard SecureCode 1.54% 1.85% All other MasterCard transactions 1.60% 1.85% International Commercial Interchange Rates Electronically-captured transactions with the MasterCard Electronic Commercial card product only Transactions conducted with a MasterCard Corporate Purchasing Card or MasterCard Corporate Fleet card that are submitted with particular financial details Transactions conducted with a MasterCard Corporate Purchasing Card or MasterCard Corporate Fleet card Large Ticket 1.85% 1.70% 0.09% + USD All other MasterCard transactions 1.85%

5 DISCOVER INTERCHANGE REIMBURSEMENT FEES Debit & Prepaid Card Products Acquirer Interchange Program Debit Prepaid Rate Trans Fee Rate Trans Fee CPSL Recurring Payments 1.20% $ % $0.00 CPSL- Supermarket / Warehouse Clubs 1.20% $ % $0.00 CPSL Petroleum 1.20% $ % $0.00 CPSL Retail 1.20% $ % $0.00 CPSL Hotels/Car Rentals 1.20% $ % $0.00 CPSL Passenger Transport 1.20% $ % $0.00 Base Submission Level 1.20% $ % $0.00 Consumer Credit Card Products Acquirer Interchange Program Core/Rewards Premium Premium Plus Rate Trans Fee Rate Trans Fee Rate Trans Fee CPSL Recurring Payments CPSL- Supermarket / Warehouse Clubs 1.45% $ % $ % $ % $ % $ % $0.00 CPSL Petroleum 1.27% $ % $ % $0.00 CPSL Retail 1.60% $ % $ % $0.00 CPSL Hotels/Car Rentals CPSL Passenger Transport 1.67% $ % $ % $ % $ % $ % $0.00 Base Submission Level 1.72% $ % $ % $0.00 Business, Executive Business and Corporate Card Products Acquirer Interchange Program Rate Trans Fee Commercial Recurring Payments 2.20% $0.00 Commercial Supermarket s/ Warehouse Clubs 2.15% $0.00 Commercial Petroleum 2.15% $0.00 Commercial Retail 2.25% $0.00 Commercial Hotels/Car Rentals 2.45% $0.00 Commercial Passenger Transport 2.40% $0.00 Commercial Base 2.65% $0.00

6 DISCOVER INTERCHANGE REIMBURSEMENT FEES Cash Reimbursement (Local Cash Advances Occurring in Canada) Rate Trans Fee Cash Reimbursement 0.00% $1.65 International Card Sales Occurring in Canada Acquirer Interchange Program Rate All Card Products Trans Fee International Electronic 1.20% $0.00 International Base Submission Level 1.72% $0.00 Cash Reimbursement (International Cash Advances Occurring in Canada) Rate Trans Fee Cash Reimbursement 0.16% $3.00 INTERAC DIRECT PAYMENT INTERCHANGE RATE PROGRAMS Interac Direct Payment Interchange Interchange for Interac Direct Payment ( IDP ) transaction is currently zero.

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