SUNTRUST. Total Amount Processed $70, See page 2 for Key Definition of Terms YOUR CARD PROCESSING STATEMENT
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1 SUNTRUST YOUR CARD PROCESSING STATEMENT /000001/509150/0001/3422/0000/ TAYLOR CHAPPELL CAMPUS BOX 7203 RALEIGH NC Page 1 of 7 THIS IS NOT A BILL Statement Period 08/01/14-08/31/14 Website - BusinessTrack.com Visit MerchantInsider.com for tools to keep your customers data safe, cost-cutting tips, interactive training and online support for your account-plus quick-and-easy shopping in our online store, with great prices on supplies and a comprehensive selection of processing products. SUMMARY An overview of account activity for the statement period. Page 4 Total Amount You Submitted $76, Page 4 Third Party (American Express) $4,24 Page 4 Chargebacks/Reversals Page 4 Adjustments Page 5 Fees Charged -$1, Total Amount Processed $70, See page 2 for Key Definition of Terms How to calculate the Effective Rate for MC, Visa, and Discover: $76, $4,24= $72, $1,865.99/$72,264.51= (2.58%) 2.58% of credit card sales go toward paying to process Visa, MC, and Discover transactions. (This will vary based on the type of credit cards customers pay with.) All amounts shown are in U.S. funds (Amount Submitted - Third Party) + Chargebacks/Reversals + Adjustments + Fees Charged = Amount Processed SpendTrend 16% 9% 2% -5% -12% Year-over-year Growth Aug 14 vs Aug Dollar Volume Growth Transaction Growth Average Ticket Growth $39, $4,24 $ Current Volume By Card Type $32, AMERICAN E DISCOVER MASTERCARD VISA -19% -26% -33% -40% -47% -54% $310,000 $270,000 $230,000 $190,000 $150,000 Thirteen Month - Total Amount Processed Your Business Similar Businesses in North Carolina $110,000 $70,000 $30,000 IMPORTANT INFORMATION ABOUT YOUR ACCOUNT Refer to page 2 for details /000001/509150/0001/3422/0000/
2 Page 2 of 7 Key Card Processing Terms in Plain Language Total Amount You Submitted - The total dollar amount of card transactions submitted and processed during the Statement Period. Third-Party - These are transactions that are passed directly to third party service providers for processing and/or funding. Common third-parties include American Express and Discover. Chargebacks/Reversals - Those transactions that are challenged or disputed by a cardholder or card-issuing bank. A Chargeback equals the transaction amount that is disputed by the cardholder or card-issuing bank. A Reversal is the amount that was initially resolved against the merchant, but has subsequently been resolved in favor of the merchant. Adjustments - The amounts credited to, or deducted from, your account to resolve processing and billing discrepancies. IMPORTANT INFORMATION ABOUT YOUR ACCOUNT Interchange Charges - These are the variable fees charged by Card Organizations for processing transactions. Factors that affect Interchange Charges include card type, information contained in the transaction, and how/when the transaction was processed. Service Charges - Also known as Discount Rate; the amounts charged to authorize, process and settle card transactions. Fees - The range of transaction-based and/or fixed amounts charged for specific card processing services. Total Amount Funded to Your Bank - The total dollar amount of credited/paid to your account transactions during the Statement Period. - The unique account number assigned to every merchant and merchant location. You ll find it at the top of your statement. Read this section to stay current on new regulations and pricing information. IMPORTANT NOTICE: The PIN Debit Networks periodically review their interchange rate programs, modifying them as they deem appropriate. This is to advise you that the Armed Forces Financial Network (AFFN) Debit Network has recently announced modifications to some of their interchange rates, effective October 1, You may notice changes in your rates as we implement these changes. Please review your merchant statement carefully to make certain you are aware of any changes. IMPORTANT NOTICE: A change to the communication appearing on your June 2014 statement regarding the American Express Immediate Chargeback Program (ICP). American Express further clarified these changes were specific to digital delivery merchants (MCC 5967). Effective July 26, 2014, American Express eliminated the auto entry into the ICP for digital delivery merchants and removed existing digital delivery merchants from the ICP unless at that time the merchant had non-fraud dispute charges of 1% or more of their transactions for a three month period. American Express will continue to monitor monthly ratio of non-fraud dispute charges to gross charges exceeding 1% in any three month period and place merchants in the ICP. Merchants not in the ICP have the ability to respond to inquiries and chargebacks. IMPORTANT NOTICE: Visa has a variety of publications available for merchants to help them manage operations to accept cards, prevent fraud and avoid chargebacks. Visa recently updated their "Card Acceptance Guidelines for Visa Merchants" and "Chargeback Management Guidelines for Visa Merchants" publications. We encourage our merchants to download and review these documents. Go to then click on "Menu", select "Merchants", select "Merchant Support", then under "Tools & Resources", click on "Library". Please note that important messages may continue or appear on the third page of this merchant statement. Review the third page of this statement for any continued or additional messages /000001/509150/0001/3422/0000/
3 Page 3 of 7 Website - BusinessTrack.com Statement Period 08/01/14-08/31/14 SUMMARY BY CARD TYPE (Total Sales You Submitted - Refunds = Total Amount You Submitted) Total Gross Sales You Submitted Refunds Total Amount You Submitted Card Type Average Ticket Items Amount Items Amount Items Amount MasterCard $ $32, $32, Visa $ $39, $ $39, Discover $ $ $ American Express $ $4, $4,24 Total 199 $76, $ $76, (Amount Submitted - Third Party) + Chargebacks/Reversals + Adjustments + Fees Charged = Amount Processed AMOUNTS PROCESSED BY BATCH Date Submitted Batch Number 08/02/ /05/ /07/ /09/ /12/ /14/ /16/ /19/ /21/ /23/ /26/ /28/ /30/ /31/14 N/A Submitted Amount $4,57 $7, $4, $17, $1, $2, $3, $3, $5, $1, $10, $10, $3, Third Party $3,09 $12 $12 $ $15 $ $51.00 $5.00 Chargebacks/ Reversals Adjustments Fees Charged -$1, Processed Amount $4,57 $4, $4, $17, $1, $2, $3, $2, $5, $1, $10, $10, $3, $1, Total $76, $4,24 -$1, $70, /000001/509150/0001/3422/0000/
4 Page 4 of 7 Website - BusinessTrack.com Statement Period 08/01/14-08/31/14 AMOUNTS SUBMITTED BY BATCH Date Batch Submitted Submitted MasterCard Visa American Express Discover 08/02/ $ $3, /05/ $ $4, $3,09 08/07/ $ $3, $ /09/ $16, $1, $12 08/12/ $ $1,51 08/14/ $ $1, $12 08/16/ $1, $2, $ /19/ $2, $ $15 08/21/ $5, $ /23/ $1, $51.00 $ /26/ $8, $1, /28/ $45.00 $9, $ /30/ $ $2, $5.00 Total Submitted $4,57 $7, $4, $17, $1, $2, $3, $3, $5, $1, $10, $10, $3, Sub Totals $32, $39, $4,24 $ $76, Total $76, THIRD PARTY TRANSACTIONS American Express charges a flat 2.15% on total AMEX sales. Date Description Amount 08/05/14 submitted to AMERICAN EXPRESS $3,09 08/09/14 submitted to AMERICAN EXPRESS Average the AMEX rate and MC, Visa, $12 08/14/14 submitted to AMERICAN EXPRESS & Discover rate to get the effective rate $12 08/16/14 submitted to AMERICAN EXPRESS $ on total credit card sales. 08/19/14 submitted to AMERICAN EXPRESS $15 08/21/14 submitted to AMERICAN EXPRESS $ /23/14 submitted to AMERICAN EXPRESS (2.58% %)/2 = $ /30/14 submitted to AMERICAN EXPRESS $5.00 Total 2.37% of AMEX, Visa, MC, and Discover $4,24 sales go to paying credit card processing CHARGEBACKS/REVERSALS fees. Date Reference No. Description No Chargebacks/Reversals for this Statement Period Card Number (Last 4 Digits) Amount Total ADJUSTMENTS Date Description Amount No Adjustments for this Statement Period Total /000001/509150/0001/3422/0000/
5 Page 5 of 7 Website - BusinessTrack.com Statement Period 08/01/14-08/31/14 FEES CHARGED Date Type Description Total 08/31/14 IC MC ASSESSMNT TRAN AMT >=$1K X 5 TRNS $26, /31/14 SC MASTERCARD SALES TRANS FEE 47 TRANSACTIONS AT /31/14 FEE VISA NETWORK FEE CNP /31/14 IC VI-BUSINESS CARD CNP (DB) /31/14 IC VI-CPS/RETAIL2(EMERG MKTS)(PP) /31/14 IC VI-CPS/RETAIL 2(EMERGING MKTS) /31/14 IC VI-INTREG COMML STD (US ACQ) Interchange fees that go to /31/14 IC VI-INTREG STANDARD (US) cardholder s bank. Breakdown /31/14 IC VI-INTER PREM CAN ISS US ACQ of interchange rates is in table 08/31/14 IC VI-INTER PREM AP ISS US ACQ /31/14 IC VI-INTER PREM LAC ISS US ACQ below (Pending Interchange) /31/14 IC VI-BUSINESS CARD CNP /31/14 IC VI-CORPORATE CARD CNP /31/14 IC DISCOVER ASSESSMENT FEE BASIS PTS TIMES $ /31/14 SC VISA SALES TRANS FEE 137 TRANSACTIONS AT Fee to accept foreign issued /31/14 FEE VISA INTL SERVICE FEE 23 TRANS TOTALING $2, credit cards. (0.40% of sales) 08/31/14 IC VI-PURCHASING CARD CNP /31/14 IC VI-SIGNATURE PREFERRED CNP /31/14 IC RFND VI-INT CHIP ISSUER /31/14 IC VI-BUS ENH CARD NOT PRESENT /31/14 IC VI-US SIG BUS CNP /31/14 IC VI-CPS/RETAIL2(EMERG MKTS)(DB) /31/14 IC MC-BUS LEVEL 3 DATA RATE II Assessment Fee pays for /31/14 IC MC-BUS LEVEL 4 DATA RATE II MasterCard s cost of branding /31/14 IC MC-REG INCENT FRF ADJ POS (DB) /31/14 IC MC-REG CONSM WFRAUD ADJ MC(DB) /31/14 IC MASTERCARD ASSESSMENT FEE BASIS PTS TIMES $32, /31/14 SC VISA CREDITS TRANS FEE 2 TRANSACTIONS AT /31/14 FEE US CROSS BORDER FEE 10 TRANS TOTALING $1, Fee to accept foreign issued /31/14 IC MC-FOREIGN STANDARD PLUS credit cards. (0.40% of sales) /31/14 IC MC-MERIT I ELECTRONIC COMMERCE /31/14 IC MC-WORLDCARD MERIT I /31/14 IC MC-CORP DATA RATE II (US) PUR Interchange fees that go to /31/14 IC MC-BUS LEVEL 2 DATA RATE II cardholder s bank. Breakdown 08/31/14 IC MC-CORP DATA RATE II (US) CORP /31/14 IC MC-CORP BUSINESS INTL FLT of interchange rates is in table /31/14 IC MC-COMML DATA RT II FLT NONFL below (Pending Interchange) /31/14 IC MC-WORLD ELITE MERIT I /31/14 IC MC-PREM CON STD ACQUSISSCAN /31/14 IC VISA ASSESSMENT FEE BASIS PTS TIMES $39, Assessment Fee pays for Visa s /31/14 SC DISCOVER SALES TRANS FEE 3 TRANSACTIONS AT cost of branding /31/14 FEE NETWORK AUTHORIZATION FEE 3 TRANSACTIONS AT /31/14 IC MC-ENHANCED MERIT I /31/14 IC VISA ACCESS FEE 144 TRANSACTIONS AT /31/14 IC MASTERCARD ACCESS FEE 48 TRANSACTIONS AT /31/14 IC DSCVR PSL EMRG MKT RW /31/14 SC DISCOVER DATA USAGE FEE 3 TRANSACTIONS AT /31/14 FEE AMEX AUTH FEE 12 TRANSACTIONS AT /31/14 IC DSCVR COMML ELECT EMRG MKT /31/14 SC MC LICENSE VOLUME FEE DISC RATE TIMES $32, Fee to perform Address /31/14 FEE CNP(Card Not Present) AVS FEE 48 TRANSACTIONS AT Verification- helps reduce /31/14 IC RFND VI-CR VOUCH NGSA PURCH NON PT fraudulent charges. 08/31/14 FEE AVS 950 CALL AUTHORIZATION FEE 207 TRANSACTIONS AT /31/14 IC VI-US REGULATED (DB) /000001/509150/0001/3422/0000/
6 003922/000001/509150/0001/3422/0000/ YOUR CARD PROCESSING STATEMENT Page 6 of 7 Website - BusinessTrack.com Statement Period 08/01/14-08/31/14 FEES CHARGED Date Type Description Total 08/31/14 IC VI-US REGULATED COMM (DB) Total Service Charges -$9.45 Total Interchange Charges -$1, Total Fees -$3 Total (Service Charges, Interchange Charges, and Fees) -$1, Fee Type Legend SC = Service Charges IC = Interchange Charges FEE = Fees The section below shows you the different credit cards your customers are using and the interchange fees associated with each card type. PENDING INTERCHANGE CHARGES Product/Description Sales % Of Total Sales Number of % of Total Interchange Cost Cost Per Rate Transaction Sub Total Total Interchange Charges DISCOVER NONDEBIT DSCVR PSL EMRG MKT RW DSCVR COMML ELECT EMRG MKT DISCOVER NONDEBIT TOTAL MASTERCARD NONDEBIT MC-BUS LEVEL 3 DATA RATE II MC-BUS LEVEL 4 DATA RATE II MC-FOREIGN STANDARD PLUS MC-MERIT I ELECTRONIC COMMERCE MC-WORLDCARD MERIT I MC-CORP DATA RATE II (US) PUR 2, MC-BUS LEVEL 2 DATA RATE II MC-CORP DATA RATE II (US) CORP MC-CORP BUSINESS INTL FLT Debit card transactions cost MC-COMML DATA RT II FLT NONFL 25, MC-WORLD ELITE MERIT I significantly less than credit card MC-PREM CON STD ACQUSISSCAN transactions. The more debit 0.95 MC-ENHANCED MERIT I transactions- the lower your effective MASTERCARD NONDEBIT TOTAL 31, rate will be. MASTERCARD DEBIT MC-REG INCENT FRF ADJ POS (DB) MC-REG CONSM WFRAUD ADJ MC(DB) MASTERCARD DEBIT TOTAL VISA NONDEBIT VI-CR VOUCH NGSA PURCH NON PT VI-CPS/RETAIL 2(EMERGING MKTS) 1, VI-INTREG COMML STD (US ACQ) VI-INTREG STANDARD (US) 1, VI-INTER PREM CAN ISS US ACQ VI-INTER PREM AP ISS US ACQ VI-INTER PREM LAC ISS US ACQ VI-BUSINESS CARD CNP VI-CORPORATE CARD CNP VI-PURCHASING CARD CNP 27, VI-SIGNATURE PREFERRED CNP 1, VI-INT CHIP ISSUER VI-BUS ENH CARD NOT PRESENT VI-US SIG BUS CNP VISA NONDEBIT TOTAL 35,
7 Page 7 of 7 Website - BusinessTrack.com Statement Period 08/01/14-08/31/14 PENDING INTERCHANGE CHARGES Product/Description Sales % Of Total Sales Number of % of Total Interchange Cost Cost Per Rate Transaction Sub Total Total Interchange Charges VISA DEBIT VI-US REGULATED (DB) 1, VI-US REGULATED COMM (DB) 1, VI-BUSINESS CARD CNP (DB) VI-CPS/RETAIL2(EMERG MKTS)(PP) VI-CPS/RETAIL2(EMERG MKTS)(DB) VISA DEBIT TOTAL 4, Total 72, , /000001/509150/0001/3422/0000/
Funded to Your Bank $23,736.93
THIS IS A SAMPLE STATEMENT YOUR CARD PROCESSING STATEMENT 099382/000001/187698/0001/23882/0000/144030 000 01 000000 Page 1 of 8 THIS IS NOT A BILL This is the overall summary of the account activity for
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