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RETAIL MERCHANTSCATEGORY TRANSACTION CONDITIONSPRIMARY QUALIFICATIONSQualified RateVisa: CPS Retail (CPS RETAIL), Retail Check Card (RETAIL D) Card must be swiped through the terminalMasterCard: Merit III (MERIT III), Convenience Purchase (CONV PURCH), Service Industries (SVC RECURR),Petroleum (PET AFDSVC), High Value Service Industries (HV SVCINDS) Must close batch dailyDiscover: Retail (RETAIL R), Petroleum (PETROL R), Emerging Markets (EMERGING R) Authorized transaction amount must match settled/deposit amountAmerican Express: Retail Card Present (AE RTL1 CP), Healthcare Card Present (AE HC1 CP), Business toBusiness Card Present (AE B2B1 CP), Prepaid Card Present (AEPREPD1CP), Other Card Present (AEOTHR1 CP),Services Card Present (AESERV1 CP) Only one authorization is allowed American Express driven off MCC and ticket amountPartially Qualified RateVisa: CPS Retail 2 (RTL2 CP), CPS Card Not Present (CPS CRD NP), CPS E-commerce Basic (ECOMBASIC), CPS E-commerce Preferred (ECOM PREF), Retail Key Entered (CPS KEYED), GSA Large Ticket(GSA LG TKT), Commercial Card Levels II & III (US COMM L2/US CORP L2/USCOMML2 P, COMM L3C / COMM L3 P), International Electronic (INTL ELEC), CPS Rewards 1 (REWARDS 1), CPS Rewards 2T&E (REWDS2 T&E), Large Ticket (CORP LGTKT)MasterCard: Key Entered (KEY ENTERD), Merit I (MERIT I), Electronic Commerce (MCUSMRUCAF/MCUSFULUCF), Corporate Data Rate III (C DATA III ), International Corporate Purchasing (INTL PURCH),Corporate Large Ticket (CORP LG TK), World MC Merit III (MCW MERIT3), World MC ConveniencePurchase (MCWCONPURC), Enhanced Convenience Purchase (ENH CONVPR), Enhanced Merit III (ENHMER 3), High Value Merit III (HV MERIT3), High Value Petroleum (HV PETRO / HVPETROMAX), High ValueConvenience Purch (HV CONPURC), High Value E-commerce (HVFULLUCAF / HV MR UCAF) Transaction is hand-keyed with Address Verification(AVS) Batch was not closed daily, but within 48 hours More than one authorization is attempted Visa transaction that is processed on a commercialcard with sales tax and customer code included Cardholder uses a Traditional Rewards Card,Enhanced MasterCard, High Value MasterCard, ora World MasterCard American Express driven off MCC and ticket amountDiscover: Key Entered (K ENTER R), Card Not Present/E-Commerce (CNP/ECOM R), Public Services(PUBLIC R)American Express: Retail Card Present (AE RTL2 CP), Retail Card Not Present (AE RTL1 CNP, AE RTL2CNP), Healthcare Card Present (AE HC2 CP), Healthcare Card Not Present (AE HC1 CNP, AE HC2 CNP),Business to Business Card Present (AE B2B2 CP), Business to Business Card Not Present (AEB2B1 CNP,AEB2B2 CNP), Travel and Entertainment Card Present (AET&E1 CP), Travel and Entertainment Card NotPresent (AET&E1 CNP), Prepaid Card Present (AEPREPD2CP), Prepaid Card Not Present (AEPPD1CNP,AEPPD2CNP), Other Card Present (AEOTHR2 CP), Other Card Not Present (AEOTHR1CNP, AEOTHR2CNP),Services Card Present (AESERV2 CP), Services Card Not Present (AESERV1CNP, AESERV2CNP)Commercial Non-Qualified RateVisa: Commercial Retail (COM RET C/ COM RET P/ COM RET B), Commercial Not Present (COMMCNP C/ COMM CNP P/ COMM CNP B), Commercial Business to Business (COM B2B B), SignaturePreferred Card Not Present (VSP CNP), Signature Preferred Retail (VSP RTL), Signature Preferred B2B (VSPB2B), Fuel (FUEL FLEET)MasterCard: Corporate Data Rate II (CDATA II B/CDATA II C/ CDATA II P/ CDATA II F), Corporate Faceto Face (FACE-FACEB/FACE-FACEC/FACE-FACEP/FACE-FACEF) Visa transaction that meets the qualified criteria,but does not meet the sales tax/customer coderequirement Tax exempt Visa commercial card transactions MasterCard transaction that is processed on acommercial card with sales tax and customer codeincluded

Non-Qualified RateVisa: EIRF (EIRF), Standard (CONS STND), Commercial Travel/Commercial Electronic (COMMTRVL P /COM ELEC B / COMMTRVL C) & Standard (STND CORP / STND PURCH / STND BUS), SignatureElectronic (SIGN EIRF) & Standard (SIGN STND), Infinite Electronic (SIGN EIRF) & Standard (SIGN STND),Express Payment Services (EXP PYMT), CPS Rewards 2 (REWARDS 2), Signature Preferred Electronic (VSPELEC), Signature Preferred Standard (VSP STND)MasterCard: Standard (STANDARD), International Standard (INTL STND), Corporate Data Rate I (C DATAI), Corporate Standard (CORP STND), International Corporate (CORP INTL), International CorporatePurchasing (INTL PURCH), World MC Card T&E (WORLD CARD), Enhanced Merit I (ENH MERITI),Enhanced Key Entered (ENH KEYED), World Merit 1 (MCWMERIT1), World Key-Entered(MCW KEYED),High Value Key-Entered(HV KEYED), High Value Merit 1(HV MERIT1), High Value Restaurant(HV REST),High Value Standard(HV STND),High Value T&E(HV T&E), Corporate T&E III(CORP T&E3C/CORP T&E3B/CORP T&E3P/CORP T&E3F), Corporate T&E II(CORP T&E2C/CORP T&E2B/CORP T&E2P/CORPT&E2F), Corporate T&E I(CORP T&E1C/CORP T&E1B/CORP T&E1P/CORP T&E1F), High Value T&ELarge Ticket(HVT&ELGTKT) Transaction is hand-keyed without AVS Batch was not closed until 72 hours afterauthorization Transactions approved via voice authorization and/or force MasterCard Commercial card used without salestax and customer card being entered Cardholder uses a World Elite, World Business, orWorld Elite Business Card American Express driven off MCC and ticket amountDiscover: Mid-Submission Level (MID SUB R), Base Submission Level (BASE R), Commercial ElectronicSubmission (ELECT COMM), Commercial Base Submission (BASE COMM)American Express: Retail Card Present (AE RTL3 CP), Retail Card Not Present (AE RTL3CNP), ServicesCard Present (AESERV3 CP), Services Card Not Present (AESERV3CNP), Healthcare Card Present (AEHC3 CP), Healthcare Card Not Present (AE HC3 CNP), Business to Business Card Present (AE B2B3 CP),Business to Business Card Not Present (AE B2B3 CNP), Travel and Entertainment Card Present(AET&E3 CP), Travel and Entertainment Card Not Present (AET&E2 CNP, AET&E3 CNP), Prepaid CardPresent (AEPREPD3CP), Prepaid Card Not Present (AEPPD3CNP), Other Card Present (AEOTHR3CP),Other Card Not Present (AEOTHR3CNP)Commercial Cards Sales tax and customer code (supplied bycardholder) must be entered with transactionSalon Merchants Salon merchants can process tips if they are underSIC code 7230. The limit is 25% on MC fortransactions greater than 25. There is no limit ontransactions less than 25, no limit on Visa checkcard and 20% on Visa Credit Cards. Discover has 20% tip limit

RESTAURANT MERCHANTSCATEGORY TRANSACTION CONDITIONSPRIMARY QUALIFICATIONSQualified RateVisa: CPS Restaurant (RESTAURANT), CPS Small Ticket (SMALL TKT)MasterCard: Merit III (MERIT III), Convenience Purchase (CONV PURCH)Discover: Restaurant (RSTRNT R) Card must be swiped through the terminalMust close batch dailyOnly one authorization is allowedAmerican Express driven off MCC and ticket amountAmerican Express: Restaurant Card Present (AEREST1 CP), Caterer Card Present (AE CATR1 CP)Partially Qualified RateVisa: CPS Card Not Present (CPS CRD NP), CPS E-commerce Basic (ECOM BASIC), CPS E-commercePreferred (ECOM PREF), Retail Key Entered (CPS KEYED), CPS Rewards 1 (REWARDS 1), CPS Rewards 2T&E (REWDS2 T&E), International Electronic (INTL ELECT)MasterCard: Key Entered (KEY ENTERD), Merit I (MERIT I), Electronic Commerce (ENHFULUCAF/ENHMRUCAF), Corporate Data Rate III (C DATA III), International Corporate Purchasing (INTL PURCH), CorporateLarge Ticket (CORP LG TK), World MC Merit III (MCW MERIT3), World MC Convenience Purchase(MCWCONPURC), Enhanced Convenience Purchase (ENH CONVPR), Enhanced Merit III (ENH MER 3),High Value Merit III (HV MERIT3), High Value Convenience Purch(HV CONPURC), High Value E-commerce(HVFULLUCAF / HV MR UCAF)Discover: Key Entered (K ENTER R), Card Not Present/E-Commerce (CNP/ECOM R) Transaction is hand-keyed with Address Verification(AVS) Batch was not closed daily, but within 48 hours More than one authorization is attempted Cardholder uses a Traditional Rewards Card,Enhanced MasterCard, High Value MasterCard,or a World MasterCard Visa transaction that is processed on a commercialcard with sales tax and customer code included American Express driven off MCC and ticketamountAmerican Express: Restaurant Card Present (AEREST2 CP), Restaurant Card Not Present (AEREST1CNP),Caterer Card Present (AE CATR2 CP), Caterer Card Not Present (AECATR1CNP)Commercial Non-Qualified RateVisa: Commercial Retail (COM RET C/ COM RET P/ COM RET B), Commercial Not Present (COMMCNP C/ COMM CNP P/ COMM CNP B), Commercial Business to Business (COM B2B B), SignaturePreferred Card Not Present (VSP CNP), Signature Preferred Retail (VSP RTL), Signature Preferred B2B (VSPB2B)MasterCard: Corporate Data Rate II (CDATA II B/CDATA II C/ CDATA II P/ CDATA II F), Corporate Face ) Visa transaction that meets the qualified criteria,but does not meet the sales tax/customer coderequirement Tax exempt Visa commercial card transactions MasterCard transaction that is processed on acommercial card with sales tax and customer codeincludedNon-Qualified RateVisa: EIRF (EIRF), Standard (CONS STND), Commercial Travel/Commercial Electronic (COMMTRVL P /COM ELEC B / COMMTRVL C) & Standard (STND CORP / STND PURCH / STND BUS), SignatureElectronic (SIGN EIRF) & Standard (SIGN STND), Infinite Electronic (SIGN EIRF) & Standard (SIGN STND),Express Payment Services (EXP PYMT), CPS Rewards 2 (REWARDS 2), Signature Preferred Electronic (VSPELEC), Signature Preferred Standard (VSP STND)MasterCard: Standard (STANDARD), International Standard (INTL STND), Corporate Data Rate I (C DATA I),Corporate Standard (CORP STND), International Corporate (CORP INTL), International Corporate Purchasing(INTL PURCH), World MC Card T&E (WORLD CARD), Enhanced Merit I (ENH MERITI), Enhanced KeyEntered (ENH KEYED), World Merit 1 (MCWMERIT1), World Key-Entered(MCW KEYED), High ValueKey-Entered(HV KEYED), High Value Merit 1(HV MERIT1), High Value Restaurant(HV REST), High ValueStandard(HV STND),High Value T&E(HV T&E), Corporate T&E III(CORP T&E3C/CORP T&E3B/CORPT&E3P/CORP T&E3F), Corporate T&E II(CORP T&E2C/CORP T&E2B/CORP T&E2P/CORP T&E2F),Corporate T&E I(CORP T&E1C/CORP T&E1B/CORP T&E1P/CORP T&E1F), High Value T&E LargeTicket(HVT&ELGTKT) Transaction is hand-keyed without AVS Batch was not closed until 72 hours afterauthorization Transactions approved via voice authorizationand/or force Business/Corporate/Purchasing Card transaction Cardholder uses a World Elite, World Business, orWorld Elite Business Card MasterCard Commercial card used without salestax and customer card being entered American Express driven off MCC and ticketamountDiscover : Mid-Submission Level (MID SUB R), Base Submission Level (BASE R), CommercialElectronic Submission (ELECT COMM), Commercial Base Submission (BASE COMM)American Express: Restaurant Card Present (AEREST3 CP), Restaurant Card Not Present(AEREST2CNP, AEREST3CNP), Caterer Card Present (AE CATR3CP), Caterer Card Not Present(AECATR2CNP, AECATR3CNP)Corporate / Purchasing Cards Commercial Cards will not qualify at restaurantlocations due to requirements by Visa andMasterCard

MAIL ORDER/TELEPHONE ORDER & E-COMMERCECATEGORY TRANSACTION CONDITIONSPRIMARY QUALIFICATIONSQualified RateVisa: CPS Card Not Present (CPS CRD NP), CPS E-commerce Basic (ECOM BASIC), CPS E-commercePreferred (ECOM PREF), Commercial Card Levels II & III (US COMM L2/US CORP L2/USCOMML2 P,COMM L3 C / COMM L3 P), Corporate Large Ticket (CORP LGTKT)MasterCard: Merit I (MERIT I), Electronic Commerce (MCUSMRUCAF/ MCUSFULUCF), CorporateData Rate III (C DATA III), International Corporate Purchasing (INTL PURCH), Corporate Large Ticket(CORP LG TK), Convenience Purchases (CONV PURCH), Service Industries (SVC RECURR), High ValueFull UCAF(HVFULLUCAF), High Value Merchant UCAF(HV MR UCAF), High Value Service Industries(HVSVCINDS) Must close batch daily Transaction is hand-keyed with Address Verification(AVS) Provide invoice number with every transaction Ship all merchandise within 7 days of purchase Visa transaction that is processed on a commercialcard with sales tax and customer code included American Express driven off MCC and ticketamountDiscover: Card Not Present/E-Commerce (CNP/ECOM R)American Express: Retail Card Present (AE RTL1 CP, AE RTL2 CP), Retail Card Not Present (AE RTL1 CNP, AERTL2 CNP), Services Card Present (AESERV1 CP, AERSERV2 CP), Services Card Not Present (AESERV1CNP,AESERV2CNP), Caterer Card Present (AE CATR1CP), Caterer Card Not Present (AECATR1CNP), Mail Order CardPresent (AEMO/EC1CP, AEMO/EC2CP), Mail Order Card Not Present (AEMOEC1CNP, AEMOEC2CNP), Businessto Business Card Present (AE B2B1 CP, AE B2B2 CP), Business to Business Card Not Present (AEB2B1 CNP,AEB2B2 CNP), Prepaid Card Present (AEPREPD1CP, AEPREPD2CP), Prepaid Card Not Present (AEPPD1CNP,AEPPD2CNP), Other Card Present (AEOTHR1CP, AEOTHR2CP), Other Card Not Present (AEOTHR1CNP,AEOTHR2CNP)Commercial Non-Qualified RateVisa: Commercial Retail (COM RET C/ COM RET P/ COM RET B), Commercial Not Present (COMMCNP C/ COMM CNP P/ COMM CNP B), Commercial Business to Business (COM B2B B), SignaturePreferred Card Not Present (VSP CNP), Signature Preferred Retail (VSP RTL), Signature Preferred B2B (VSPB2B), Fuel (FUEL FLEET)MasterCard: Corporate Data Rate II (CDATA II B/CDATA II C/ CDATA II P/ CDATA II F), Corporate Face ) Visa transaction that meets the qualified criteria,but does not meet the sales tax/customer coderequirement Tax-exempt Visa commercial card transactions MasterCard transaction that is processed on acommercial card with sales tax and customer codeincludedNon-Qualified RateVisa: EIRF (EIRF), Standard (CONS STND), Commercial Travel/Commercial Electronic (COMMTRVL P /COM ELEC B / COMMTRVL C) & Standard (STND CORP / STND PURCH / STND BUS), SignatureElectronic (SIGN EIRF) & Standard (SIGN STND), Infinite Electronic (SIGN EIRF) & Standard (SIGN STND),Express Payment Services (EXP PYMT), CPS Rewards 2 (REWARDS 2), Signature Preferred Electronic (VSPELEC), Signature Preferred Standard (VSP STND)MasterCard: Standard (STANDARD), International Standard (INTL STND), Corporate Data Rate I (C DATAI), Corporate Standard (CORP STND), International Corporate (CORP INTL), International CorporatePurchasing (INTL PURCH), World MC Card T&E (WORLD CARD), Enhanced Merit I (ENH MERITI),Enhanced Key Entered (ENH KEYED), World Merit 1 (MCWMERIT1), High Value Merit 1(HV MERIT1),High Value Standard(HV STND) Transaction is hand-keyed without AVS Batch not closed daily Transactions approved via voice authorization and/or force MasterCard Commercial card used without sales taxand customer card being entered Cardholder uses a World Elite, World Business, orWorld Elite Business Card American Express driven off MCC and ticketamountDiscover : Mid-Submission Level (MID SUB R), Base Submission Level (BASE R), CommercialElectronic Submission (ELECT COMM), Commercial Base Submission (BASE COMM)American Express: Retail Card Present (AE RTL1 CP), Retail Card Not Present (AE RTL3 CNP),Services Card Present (AESERV3 CP), Services Card Not Present (AESERV3CNP), Mail Order CardPresent (AEMO/EC3CP), Mail Order Card Not Present (AEMOEC3CNP), Business to Business CardPresent (AE B2B3 CP), Business to Business Card Not Present (AEB2B3 CNP), Prepaid Card Present(AEPREPD3CP), Prepaid Card Not Present (AEPPD3CNP), Other Card Present (AEOTHR3CP), OtherCard Not Present (AEOTHR3CNP)Corporate/Purchasing Cards Sales tax and customer code (supplied by cardholder) must be entered with transaction

Elavon 2014 Elavon Inc. Elavon is a registered trademark in the United States and/or other countries. All rights reserved. This document is prepared byElavon as a service for its customers prior to 04/2013. Information within is proprietary and confidential. ELV-MSC-1 050 Rev 0614

2015 Interchange Qualification Guide . QUALIFICATION CATEGORY DEFINITIONS Qualified Rate Transactions that meet all of the requirements for the merchant's industry. Merchants will pay the lowest or best . Visa: CPS Retail 2 (RTL2 CP), CPS Card Not Present (CPS CRD NP), CPS E-commerce Basic (ECOM