Your Merchant Statement Guide

Your Merchant Statement Guide

HOW TO READ YOUR STATEMENT 1. Billing Address The address given at the time of set-up. 2. Merchant Billing Detail Information identifying you and your relationship with Elavon. 3. Your Resources for Help Included here you will find information to contact Customer Service. 4. News For You Important updates and information 5. Summary A quick overview of your transactions and net deposits for the month. Debits including backs, Adjustments, and other Billing s and Fees may be included as well. 6. Volume Recap This section details the transactions and associated charges by card type and/or Debit Network. 7. Deposits This section details individual batch totals. 8. backs any debits or adjustments received due to chargeback activity, chargeback reason, and reference numbers. 9. Adjustments changes made to an individual transaction due to post-settlement discrepancies. 10. Visa/MasterCard s This section allows you to view your activity and charges based on individual Interchange category. This information will help you determine the reason for downgrades and surcharges. 13. Electronic Check (ECS) s This section provides information about monthly ECS processing volume and associated charges. 14. Other Transaction s This section provides information about any non-bank card items settled through Elavon. 15. Card Association Fees This section allows you to view various charges assessed directly be the card associations. 16. Authorization Fees any fees incurred due to the processing of V/MC transactions which passed through Elavon. This may include AMEX, Disc, Voice Authorizations or Foreign Authorization s. 17. Electronic Gift Card (EGC) s This section provides information about monthly EGC processing volume and associated charges. 18. Other Fees any one-time or monthly fees such as statement fees, terminal fees, applicable taxes, etc. For more information about your statement or other frequently asked questions, visit our customer support website at www.merchantconnect.com. 11. Electronic Benefit Transaction (EBT) s This section details all EBT charges. 12. Point of Sale (POS) Debit s This section provides detailed information about online debit sales and charges by network.

2 Merchant Billing Statement Cycle: Cut-off Statement Date: MM/DD/YYYY DBA Name: John M. Doe, Inc. Store Number: 08 Merchant Number: 987654321 Chain Number: 10101 1 John M Doe, Inc. 111 Main Street Anytown, GA 30000-1234 Client Group: 00012 Principal Chain: 65001 Parent Chain: 05001 Parent Entity: 62200 3 Your Resources For Help For Customer Service call 1-800-334-1941 4 News For You Important Information Updates 5 Summary Number of s Dollar Amouts Fee/s Category Fee Summary Sales 3,878 474,982.39 Visa/MC/Discover Proccesing s 7,587.17 Returns 0 0.00 EBT s 0.00 Net Sales 4,172 474,982.39 PIN Debit s 128.73 backs 1 200.00- Electronic Check s 59.10 Convenience Adjustments 1 12.78- Other Transaction s 36.80 Total Sales 4,178 474,769.61 Card Association Fees 56.80 Minimum Bill Fee 0.00 Authorization Fees 624.62 Other Fees 57.63 Total s and Fees 9,134.83 6 Volume Recap Total s and Fees have been posted to Account #: XXXXXXXX9123 -----Sales----- -----Credits----- -----Net Sales----- Card Type Count Amount Count Amount Amount Paid Per Paid VISA 2,481 298,565.75 0 0.00 298,565.75 5,523.47 545.82 MC 499 72,974.50 0 0.00 72,974.50 1,350.03 109.78 DSCV 175 23,487.21 0 0.00 23,487.21 434.51 38.50 AMEX 85 13,442.56 0 0.00 13,442.56 0.00 0.00 ECHK 197 66,512.97 0 0.00 66,512.97 0.00 0.00 INTL 148 2,950.30 0 0.00 2,950.30 22.12 25.16 MSTO 9 212.68 0 0.00 212.68 1.59 1.35

7 Deposits Batch Date Settlement Date Reference Number Batch Number Card Type Paid by Merchant Services Paid by Others Total Deposit Amount 64003147920 00065 BATCH 9,513.70 42.78 9,556.48 64003152981 00057 BATCH 6,797.74 26.25 6,771.49 64003153527 00066 BATCH 11,458.89 447.50 11,904.39 64003147022 00066 BATCH 9,046.14 86.50 9,132.64 64004004213 00058 BATCH 6,382.10 237.20 6,639.30 64004149897 00067 BATCH 13,508.73 663.73 14,172.46 64004258746 00059 BATCH 4,088.33 0.00 4,088.33 64004235698 00068 BATCH 7,987.13 192.73 8,179.86 64005248791 00060 BATCH 18,298.71 116.18 18,414.89 64005874632 00068 BATCH 3,769.99 270.34 4,040.33 64006871235 00068 BATCH 6,048.31 210.38 6,294.69 64006898541 00069 BATCH 5,637.00 771.06 6,408.06 64006989215 00060 BATCH 6,477.49 200.00 6,677.49 64007452361 00070 BATCH 4,891.95 271.90 5,163.85 64007756311 00071 BATCH 277.39 0.00 277.39 64008009564 00071 BATCH 11,088.14 180.42-10,907.72 64008308749 00072 BATCH 6,209.02 381.73 6,590.75 64008821946 00061 BATCH 8,651.04 93.10 8,744.14 64009254694 00073 BATCH 3,281.99 71.57 3,353.56 64009952134 00073 BATCH 8.78 0.00 8.78 64010523621 00074 BATCH 7,456.83 413.59 7,870.42 64014236591 00075 BATCH 7,356.05 135.80 7,491.85 64014257589 00075 BATCH 8,639.65 109.99 8,463.54 64014289231 00076 BATCH 5,944.18 8.81 8,648.46 64014487634 00078 BATCH 1,284.14 112.5 6,056.68 Deposit Totals 474.982.36 4,640.41 185,857.55 8 backs 9 Card back reason Internal Ref # Amount back Date Transaction Date ***********5617 NO RECEIPT FOR GOODS 98765432198 200.00- Adjustments 200.00- Card Adjustment Reason Adjustment Ref # Amount Adjustment Date Transaction Date ON-LINE ADJUSTM 74717053210 12.78 Each Adjustment has been posted to Account #: XXXXXXXX9123 12.78 10 Visa/MC/Discover Processing s Description Sales Amount Count Rate Rate Visa 298,565.75 2,481 1.8500 0.22 5,523.47 545.82 MasterCard 72,974.50 499 1.8500 0.22 1,350.03 109.78 Discover 23,487.21 175 1.8500 0.22 434.51 38.50 Summary 7,308.01 Description Sales Amount Count CPS/CNP DB 1,278.85 14 12.78 0.00 REWARDS 1 1,821.35 9 18.21 0.00 MERIT I DB 1,204.50 2 12.05 0.00 Summary 43.05 Total s 7,351.06

11 Electronic Benefit Transaction (EBT) s Description DR CR Sales Amount Rate s Count Per Rate Food Stamps DR 0.00 0.0000 0.00 0 0.0000 0.00 12 Summary DR 0.00 0.00 0 0.00 NET 0.00 0.00 0 0.00 PIN Debit s Description DR CR Sales INTRLNK Count Interchange Per Interchange Rate Interchange Dollars PIN DB RTL DR 2,950.30 148 0.1700 0.7500 47.29 CR 0.00 0 0.1700 0.0000 0.00 TOTAL INTRLNK 2,950.30 148 47.29 13 14 MAESTRO PIN DB RTL DR 212.68 9 0.1500 0.7500 2.94 CR 0.00 0 0.1500 0.0000 0.00 TOTAL MAESTRO 212.68 9 2.94 Total Interchange 50.23 Description Electronic Check s Description DR CR Sales Amount Rate s Count Per Rate ECHK ECS 1703 DR 6,634.48 0.0000 0.00 26 0.3000 7.80 CR 0.00 0.0000 0.00 0 0.3000 0.00 ECHK ECS 1704 DR 59,877.89 0.0000 0.00 171 0.3000 51.30 CR 0.00 0.0000 0.00 0 0.3000 0.00 Summary DR 66,512.37 0.00 197 59.10 Other Transaction s Sales Count Processing Fee Per Processing Rate Processing Fee Dollars INTRLNK PROCESSING FEE 2,950.30 148 0.5000 0.0000 74.00 MAESTRO PROCESSING FEE 212.68 9 0.5000 0.0000 4.50 Total Processing Fees 78.50 Summary 128.73 CR 0.00 0.00 0 0.00 NET 66,512.37 0.00 197 59.10 Description DR CR Sales Amount Rate s Count Per Rate AMEX NON-STL DR 13,442.56 0.0000 0.00 85 0.1000 8.50 CR 1,199.38 0.0000 0.00 10 0.1000 1.00 ADJ ADJUSTMENT DR 0.00 0.0000 0.00 0 0.1000 0.00 CR 1,763.41 0.0000 0.00 6 0.1000 0.60 BTCH BATCH HDR DR 0.00 0.0000 0.00 72 0.1000 7.20 CR 0.00 0.0000 0.00 0 0.1000 0.00 Summary DR 13,442.56 0.00 157 17.30 CR 2,964.79 0.00 16 0.00 NET 10,477.77 0.00 173 17.30

15 Card Association Fees Description Amount Amount Percentage Rate Per Rate Fee Amount VISA VISA Fee Totals 36.25 MC MC Fee Totals 18.10 DISC DISC Fee Totals 2.45 Total Card Association s 56.80 16 16 Authorization Fees 17 Description s Network Fee Per Processing Fee Per Fee Amount VISA WAT 2,617 0.0000 0.1500 392.55 MC WAT 544 0.0000 0.1500 81.60 DSCVWAT 44 0.0000 0.1500 6.60 AMEX WAT 6 0.0000 0.1500 0.90 INTRLNK PIN DBBASE 148 0.1500 0.1500 44.40 MAESTRO 9 0.1500 0.1500 2.70 ECHK ECS DCLNS 2 0.3000 0.3700 1.48 ECHK ECS RESUB 1 0.3000 0.3700 0.67 ECHK ECS CONV 197 0.3000 0.3700 102.22 EGC ACTIVATION 46 0.1500 0.3500 23.00 EGC REDEMPTION 28 0.1500 0.3500 14.00 EGC BAL INQ 2 0.1500 0.3500 1.00 Visa/MasterCard/Discover Authorization Fees 480.75 EGC Authorization Fees 38.00 ECS Authorization Fees 104.37 Other Card Authorization Fees 48.00 Total Authorization Fees 624.62 18 Other Fees Non Taxable s Description s Rate Total MONTHLY EGC FEE 1 10.00 10.00 BILL STMT 1 10.00 10.00 Taxable s Description s Rate Extended Amt Tax Total EQUIPMENT 1 35.00 35.00 2.63 37.63 Total Non Taxable s: 20.00 Total Taxable s: 35.00 Total Tax : 2.63 Total Other Fees 57.63

Glossary of Terms Adjustment Fee a fee charged for adjustments made to deposits due to errors made by the Merchant. Administration/Service Fee a fee charged for ongoing services to the Merchant account. Annual Fee a fee charged one time each year to cover certain operational expenses incurred by us during the prior year. Authorization Fee a fee that is charged each time authorization is obtained on a bank card or non-bank card transaction. AVS Fee a fee assessed each time the address verification service is utilized either by a Point of Sale (POS) device or by calling the voice center. back Fee a flat, per occurrence fee that is charged to cover processing charges incurred because a transaction has been disputed by the cardholder or card issuer. Equipment Fee a fee charged for POS devices, terminals, printers, imprinters and any other equipment used by Merchant. Maintenance Fee a fee charged for changes to the Merchant account after the initial set up. Membership Fee a fee charged either monthly, quarterly, or annually for participation in a merchant bankcard program. Minimum Fee the minimum amount billed either daily or monthly for discount fees. If the actual discount due is not equal to or greater than the minimum, the merchant will be charged the minimum discount fee. Network Access Fee a fee charged for providing POS device access to the electronic network, including authorizations and declines. Retrieval Fee a flat, per occurrence fee charged to cover processing charges incurred by the request from the cardholder or card issuer for a legible copy of the transaction receipt. Supply Fee a fee charged Merchant for supplies, such as printer paper, sales and credit drafts, and printer cartridges. Swap Fee a fee charged for exchanging Merchant s current equipment, such as POS terminals, printers, and imprinters, for different, new, or updated equipment. Billing Disputes Merchant is responsible for paying us for services rendered in accordance with the schedule of fees furnished to Merchant, which may be amended from time to time. Merchant is responsible for examining all statements and reporting any questions or billing disputes to us in writing within 45 days from the date the statement is mailed. Billing questions or disputes should be addressed to: Merchant Services, 7300 Chapman Highway, Knoxville, TN 37920. If Merchant fails to notify us in a timely fashion regarding a dispute, Merchant is deemed to have accepted its statement and to have waived any claim. We are not responsible for any interest, NSF, accounting, bank or related fees due to untimely and/ or inaccurate deposits and/or billings caused by Merchant or us. For more information about your statement or frequently asked questions, please visit our website at: www.merchantconnect.com. Important Information Regarding Your Merchant Account Terms & Conditions Condensed below are some key terms and conditions that govern our processing of card transactions for you. Please refer to your merchant agreement, the Merchant Operating Guide ( MOG ), and/or the Terms of Service ( TOS ) for a detailed disclosure of the terms governing transaction processing services. If there is a discrepancy between any provision in the merchant agreement, the MOG, or the TOS and these Terms & Conditions, these Terms & Conditions prevail. Your use of our processing services indicates your agreement with these Terms & Conditions, as well as your agreement with the merchant agreement, MOG, and/or TOS, as applicable. Merchant may not set minimum purchase amounts, surcharge card transactions, disburse cash (except on debit card transactions), or require cardholders to provide any personal information (e.g., phone number or address). Merchant may only process transactions for the location registered with us and may not process transactions for any other business or location. Merchant is responsible for identifying the cardholder, verifying the signature and expiration date on the card for card present transactions. Merchant must obtain a Code 10 voice authorization on any suspicious transaction and follow any instructions given by the operator. Merchant must obtain authorization via telephone or electronic device from the designated authorization center prior to completing each transaction. Such authorization, however, is NOT a guarantee of an accepted card transaction. Merchant may not accept mail/telephone order or Internet transactions; accept partial payments; or accept deposits for future services without our prior approval. For mail/telephone order and Internet transactions, Merchant warrants the identity of the cardholder. Payments to Merchant are provisional and subject to chargebacks and adjustments. Merchant is fully liable to us for all transactions returned to us for whatever reason, such returns being known as chargebacks. Merchant agrees to accept all chargebacks and will be liable to us in the amount of any sale that the cardholder or card issuer disputes. Merchant discount fees are calculated on gross volume. Your Merchant account may be subject to a variety of fees including, but not limited to, termination fees, swap fees, and annual fees, along with retrieval and/or chargeback fees, applicable sales tax, and supply fees. If Merchant s account has no activity for a period exceeding 365 days, Merchant may be deemed to have closed its account and will be assessed a termination fee. We may change or add to these Terms & Conditions. We will inform Merchant of a change/addition in a periodic statement or other written notice. Merchant will be deemed to have agreed to the change/ addition if Merchant continues to present transactions to us after 30 days following the mailing of the notice. Notwithstanding the previous sentence, changes/additions to fees will be effective upon notice to Merchant, unless a later effective date is provided. We may pass through to Merchant any fee increases imposed by Visa, MasterCard, other payment networks, telecommunications vendors, or other third parties without giving Merchant the right to terminate. 2009 Elavon All rights reserved. ELMSG01 Rev0509