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Visa USA Interchange ReimbursementFeesVisa Supplemental Requirements13 October 2018Visa Public

Introduction to the Visa USA Interchange Reimbursement FeesVisa USA Interchange Reimbursement FeesIntroduction to the Visa USA Interchange Reimbursement FeesThe following tables set forth the interchange reimbursement fees applied on Visa financial transactionscompleted within the 50 United States and the District of Columbia.Visa uses interchange reimbursement fees as transfer fees between financial institutions to balance andgrow the payment system for the benefit of all participants. Merchants do not pay interchangereimbursement fees; merchants pay "merchant discount" to their financial institution. This is animportant distinction, because merchants buy a variety of processing services from financial institutions;all these services may be included in their merchant discount rate, which is typically a percentage rateper transaction.Note: This document is a supplement of the Visa Core Rules and Visa Product and Service Rules. In theevent of any conflict between any content in this document, any document referenced herein,any exhibit to this document, or any communications concerning this document, and anycontent in the Visa Core Rules and Visa Product and Service Rules, the Visa Core Rules and VisaProduct and Service Rules shall govern and control.Contact InformationIf you have any questions about Visa’s interchange rates, your merchant discount, or what interchangerates for which you are eligible, please contact your financial institution.13 October 2018 2018 Visa. All Rights Reserved.Visa Public1

Visa USA Consumer Check Card Exempt and Regulated Interchange Reimbursement FeesVisa USA Interchange Reimbursement FeesAVisa USA Consumer Check Card Exempt and RegulatedInterchange Reimbursement FeesRates Effective October 13, 2018Fee ProgramExempt Visa Check CardRegulated Visa Check Card 0.300.05% 0.21*CPS/Retail, Debit0.80% 0.150.05% 0.21*CPS/Automated Fuel Dispenser(AFD), Debit0.80% 0.15Card Present TransactionsCPS/Supermarket, DebitCPS/Service Station, Debit( 0.95 Cap)0.80% 0.15( 0.95 Cap)0.05% 0.21*0.05% 0.21*CPS/Small Ticket, Debit1.55% 0.0410.05% 0.21*CPS/Restaurant, Debit1.19% 0.100.05% 0.21*CPS/Hotel and Car Rental CardPresent, Debit1.19% 0.100.05% 0.21*CPS/Passenger Transport CardPresent, Debit1.19% 0.100.05% 0.21*Travel Service, Debit1.19% 0.100.05% 0.21*CPS/Retail Key Entry, Debit21.65% 0.150.05% 0.21*Card Not Present TransactionsCPS/Retail 2 – Card Not Present,Debit0.65% 0.15( 2.00 Cap)CPS/Debt Repayment 20.65% 0.15 ( 2.00 Cap)CPS/Debt Repayment (No Fee)0.65% 0.15 ( 0.65 Cap)CPS/Utility, DebitCPS/Government 0.650.65% 0.15( 2.00 Cap)0.05% 0.21*0.05% 0.21*0.05% 0.21*0.05% 0.21*CPS/Card Not Present, Debit1.65% 0.150.05% 0.21*CPS/e-Commerce Basic, Debit1.65% 0.150.05% 0.21*13 October 2018 2018 Visa. All Rights Reserved.Visa Public3

Visa USA Consumer Check Card Exempt and Regulated Interchange Reimbursement FeesVisa USA Interchange Reimbursement FeesFee ProgramExempt Visa Check CardRegulated Visa Check CardCard Not Present Transactions (continued)CPS/e-Commerce PreferredRetail, Debit1.60% 0.150.05% 0.21*CPS/e-Commerce Preferred Hoteland Car Rental, Debit1.70% 0.150.05% 0.21*CPS/e-Commerce PreferredPassenger Transport, Debit1.70% 0.150.05% 0.21*CPS/Hotel and Car Rental CardNot Present, Debit1.70% 0.150.05% 0.21*CPS/Passenger Transport CardNot Present, Debit1.70% 0.150.05% 0.21*CPS/Account Funding, Debit1.75% 0.200.05% 0.21*Electronic InterchangeReimbursement Fee (EIRF), Debit31.75% 0.200.05% 0.21*Standard InterchangeReimbursement Fee, Debit1.90% 0.250.05% 0.21*Note: Fees in this table are listed in U.S. dollars; fees are paid to cardholder financial institutions.* Issuers that certify to Visa their compliance with the interim fraud prevention standards will receive an additional US 0.01.1Small-ticket interchange rate on PIN-authenticated Visa Debit transactions applies only to Visa Network 002 transactions.2Not applicable to PIN-authenticated transactions.3EIRF transactions from AFDs and service stations are eligible for a US 0.95 cap.4 2018 Visa. All Rights Reserved.Visa Public13 October 2018

Visa U.S.A. Consumer Prepaid Exempt & Regulated and Other Exempt Products Interchange Reimbursement FeesVisa USA Interchange Reimbursement FeesBVisa U.S.A. Consumer Prepaid Exempt & Regulated andOther Exempt Products Interchange Reimbursement FeesRates Effective October 13, 2018Fee ProgramEXEMPT Visa Consumer Prepaidand Other ExemptREGULATED Visa ConsumerPrepaidCard Present TransactionsCPS/Supermarket, Prepaid1.15% 0.15( 0.35 Cap)CPS/Retail, Prepaid1.15% 0.15CPS/Automated Fuel Dispenser(AFD), Prepaid1.15% 0.15CPS/Service Station, Prepaid( 0.95 Cap)1.15% 0.15( 0.95 Cap)0.05% 0.21*0.05% 0.21*0.05% 0.21*0.05% 0.21*CPS/Small Ticket, Prepaid1.60% 0.0510.05% 0.21*CPS/Hotel and Car Rental CardPresent, Prepaid1.15% 0.150.05% 0.21*CPS/Restaurant, Prepaid1.15% 0.150.05% 0.21*CPS/Passenger Transport CardPresent, Prepaid1.15% 0.150.05% 0.21*Travel Service, Prepaid1.15% 0.150.05% 0.21*CPS/Retail Key Entry, Prepaid21.75% 0.200.05% 0.21*Card Not Present TransactionsCPS/Retail 2 Card Not Present,Prepaid0.65% 0.15( 2.00 Cap)CPS/Debt Repayment 20.65% 0.15 ( 2.00 Cap)CPS/Debt Repayment (No Fee)0.65% 0.15 ( 0.65 Cap)CPS/Utility, PrepaidCPS/Government, PrepaidCPS/Card Not Present, Prepaid13 October 2018 2018 Visa. All Rights Reserved. 0.650.65% 0.15( 2.00 Cap)1.75% 0.20Visa Public0.05% 0.21*0.05% 0.21*0.05% 0.21*0.05% 0.21*0.05% 0.21*5

Visa U.S.A. Consumer Prepaid Exempt & Regulated and Other Exempt Products Interchange Reimbursement FeesVisa USA Interchange Reimbursement FeesFee ProgramEXEMPT Visa Consumer Prepaidand Other ExemptREGULATED Visa ConsumerPrepaidCard Not Present Transactions (continued)CPS/e-Commerce Basic, Prepaid1.75% 0.200.05% 0.21*CPS/e-Commerce PreferredRetail, Prepaid1.75% 0.200.05% 0.21*CPS/e-Commerce Preferred Hoteland Car Rental, Prepaid1.75% 0.200.05% 0.21*CPS/e-Commerce PreferredPassenger Transport, Prepaid1.75% 0.200.05% 0.21*CPS/Hotel and Car Rental CardNot Present, Prepaid1.75% 0.200.05% 0.21*CPS/Passenger Transport, Prepaid1.75% 0.200.05% 0.21*CPS/Account Funding, Prepaid1.80% 0.200.05% 0.21*Electronic InterchangeReimbursement Fee (EIRF),Prepaid31.80% 0.200.05% 0.21*Standard InterchangeReimbursement Fee, Prepaid1.90% 0.250.05% 0.21*Note: Fees in this table are listed in U.S. dollars; fees are paid to cardholder financial institutions.* Issuers that certify to Visa their compliance with the interim fraud prevention standards will receive an additional US 0.01.1Small-ticket interchange rate on PIN-authenticated Visa Prepaid transactions applies only to Visa Network 002.2Not applicable to PIN-authenticated transactions.3EIRF transactions from AFDs and service stations are eligible for a US 0.95 cap.6 2018 Visa. All Rights Reserved.Visa Public13 October 2018

Visa U.S.A. Consumer Credit Interchange Reimbursement FeesVisa USA Interchange Reimbursement FeesCVisa U.S.A. Consumer Credit Interchange ReimbursementFeesRates Effective October 13, 2018Fee ProgramVisaSignaturePreferred /Visa Infinite†CPS/Supermarket Credit—PerformanceThreshold* ITraditionalRewardsCPS/Rewards11.20% 0.051.65% 0.10CPS/Supermarket Credit—PerformanceThreshold* III1.22% 0.05CPS/Rewards 1CPS/Supermarket Credit—All Other1.22% 0.051.65% 0.102.10% 0.10CPS/Rewards11.43% 0.101.65% 0.10CPS/Retail Credit-Performance Threshold*II1.47% 0.10CPS/Retail Credit-Performance Threshold*III1.51% 0.10CPS/Rewards 1CPS/Retail—All Other1.65% 0.10CPS/Retail 22.40% 0.101.43% 0.05CPS/Recurring PaymentsMCCs: 4814 (Telco); 4899 (Cable)2.40% 0.101.43% 0.05CPS/Charity and Religious Organizations1.35% 0.05CPS/Government1.55% 0.10CPS/Automated Fuel Dispenser (AFD)1.15% 0.25 ( 1.10 Cap)CPS/Service Station1.15% 0.25 ( 1.10 Cap) 0.75CPS/Utility 2018 Visa. All Rights Reserved.1.51% 0.101.65% 0.04CPS/Small Ticket13 October 2018All OtherProducts1.15% 0.05CPS/Supermarket Credit—PerformanceThreshold* IICPS/Retail Credit-Performance Threshold*IVisaSignature /Visa Infinite‡Visa Public7

Visa U.S.A. Consumer Credit Interchange Reimbursement FeesVisa USA Interchange Reimbursement FeesFee ProgramVisaSignaturePreferred /Visa Infinite†CPS/Retail Key Entry2.10% 0.10CPS/Card Not PresentCPS/e-Commerce BasicCPS/e-Commerce Preferred Retail2.40% 0.10(except forB2B whichreceives2.10% 0.10)VisaSignature /Visa Infinite‡TraditionalRewardsAll OtherProducts1.80% 0.10CPS/Rewards 21.95% 0.101.80% 0.101.80% 0.101.80% 0.10CPS/e-Commerce Preferred Hotel and CarRental1.54% 0.10CPS/e-Commerce Preferred PassengerTransport1.70% 0.10CPS/Hotel and Car Rental Card PresentCPS/Hotel and Car Rental Card NotPresentEIRF2.40% 0.102.30% 0.10CPS/Rewards21.54% 0.101.95% 0.101.54% 0.10CPS/Passenger Transport1.70% 0.10CPS/Restaurant1.54% 0.10CPS/Account FundingElectronic Interchange ReimbursementFee (EIRF)1Standard Interchange Reimbursement Fee2.14% 0.102.40% 0.102.30% 0.102.95% 0.1022.70% 0.10Note: Fees in this table are listed in U.S. dollars; fees are paid to cardholder financial institutions.* See page 9 for performance threshold criteria.1EIRF transactions from AFDs and service stations are eligible for a US 1.10 cap.2Standard transactions on VSP and VI Spend Qualified cards from AFDs and service stations are eligible for a US 1.10 cap.† Visa Infinite (Spend Qualified accounts)‡ Visa Infinite (Spend Not Qualified accounts)8 2018 Visa. All Rights Reserved.Visa Public13 October 2018

Visa U.S.A. Credit Performance Threshold Criteria For Retail and Supermarket CategoriesVisa USA Interchange Reimbursement FeesDVisa U.S.A. Credit Performance Threshold Criteria ForRetail and Supermarket CategoriesEffective April 14, 2018, based on 12 months of activity ending September 30, 2017Performance ThresholdsTransactionMinimumVolumeMinimumThreshold I92.7 million 5.7 billionThreshold II56.5 million 3.2 billionThreshold III14.8 million 820 0.020% * Dispute Financials ratio calculated as a percentage of a merchant’s gross transaction count.Please reference the Visa rules for complete detail on performance threshold criteria.13 October 2018 2018 Visa. All Rights Reserved.Visa Public9

Visa U.S.A. Corporate and Purchasing Interchange FeesVisa USA Interchange Reimbursement FeesEVisa U.S.A. Corporate and Purchasing Interchange FeesRates Effective October 13, 2018Fee ProgramPurchasing* & Corporate T&ECommercial Level III1.90% 0.10Commercial Level II - Fuel2.05% 0.10Commercial Level II2.50% 0.10Commercial Card Present2.50% 0.10Commercial Travel Service2.65% 0.10Commercial Card Not Present2.70% 0.10Commercial Standard Interchange Reimbursement Fee2.95% 0.10Commercial Product Large Ticket1.45% 35.00Purchasing OnlyFee ProgramGovernment-to-Government (G2G)1.65% 0.10GSA Large Ticket1.20% 39.00* Includes Fleet cardsStraight Through Processing (STP) FeeProgramApplicable Interchange RateTier 1 – Less than 7,0002.00% 0.10Tier 2 – 7,000 - 14,999.991.30% 35.00Tier 3 - 15,000 - 49,999.991.10% 35.00Tier 4 - 50,000 - 99,999.990.95% 35.00Tier 5 - 100,000 and greater0.80% 35.0013 October 2018 2018 Visa. All Rights Reserved.Visa Public11

Visa U.S.A. Corporate and Purchasing Interchange FeesVisa USA Interchange Reimbursement FeesVisa Large Purchase AdvantageFee ProgramApplicable Interchange RateCard Present TransactionsAll Ticket SizesVisa Purchasing card rates applyCard Not Present Transactions 10,000 or lessVisa Purchasing card rates apply 10,000.01 - 25,0000.70% 49.50 25,000.01 - 100,0000.60% 52.50 100,000.01 - 500,0000.50% 55.50Greater than 500,0000.40% 58.5012 2018 Visa. All Rights Reserved.Visa Public13 October 2018

Visa U.S.A. Corporate and Purchasing Prepaid Exempt and Regulated Interchange Reimbursement FeesVisa USA Interchange Reimbursement FeesFVisa U.S.A. Corporate and Purchasing Prepaid Exempt andRegulated Interchange Reimbursement FeesRates Effective October 13, 2018Fee ProgramEXEMPTVisa CorporatePrepaid / saCommercialPrepaidStandard2.95% 0.102.95% 0.100.05% 0.21*Card Present2.15% 0.102.15% 0.100.05% 0.21*Card Not Present2.65% 0.102.65% 0.100.05% 0.21*na1.45% 35.000.05% 0.21* 1.50na0.05% 0.21*Visa Purchasing Prepaid Large TicketBusiness Utilities (Visa BusinessPrepaid Only)Note: Fees in this table are listed in U.S. dollars; fees are paid to cardholder financial institutions.* Issuers that certify to Visa their compliance with the interim fraud prevention standards will receive an additional US 0.0113 October 2018 2018 Visa. All Rights Reserved.Visa Public13

Visa U.S.A. Business (excluding Prepaid) Interchange Reimbursement FeesVisa USA Interchange Reimbursement FeesGVisa U.S.A. Business (excluding Prepaid) InterchangeReimbursement FeesRates Effective October 13, 2018Business CreditSpend Tier IBusiness CreditSpend Tier IIBusiness CreditSpend Tier IIIBusiness CreditSpend Tier IVBusiness Level II2.05% 0.102.05% 0.102.05% 0.102.20% 0.10Business Business-to-Business2.10% 0.102.25% 0.102.40% 0.102.50% 0.10Business Retail2.20% 0.102.30% 0.102.40% 0.102.50% 0.10Business Card Not Present2.25% 0.102.45% 0.152.60% 0.202.70% 0.20Business Electronic InterchangeReimbursement (EIRF) Fee2.40% 0.102.75% 0.152.85% 0.202.95% 0.20Business Standard InterchangeReimbursement Fee2.95% 0.202.95% 0.202.95% 0.202.95% 0.25 1.50 1.50 1.50 1.50Business Credit Fee ProgramBusiness Utility ProgramBusiness Debit Fee ProgramEXEMPTBusiness DebitREGULATEDBusiness DebitBusiness Debit, Card Present1.70% 0.100.05% 0.21*Business Debit, Card Not Present2.45% 0.100.05% 0.21*Business Debit, Standard2.95% 0.100.05% 0.21* 1.500.05% 0.21*Business Utility Program, Card Not Present OnlyNote: Fees in this table are listed in U.S. dollars; fees are paid to cardholder financial institutions.* Issuers that certify to Visa their compliance with the interim fraud prevention standards will receive anadditional US 0.01.13 October 2018 2018 Visa. All Rights Reserved.Visa Public15

Visa U.S.A. Other Transactions Interchange Reimbursement FeesVisa USA Interchange Reimbursement FeesHVisa U.S.A. Other Transactions InterchangeReimbursement FeesRates Effective October 13, 2018Credit Voucher TransactionsPassenger Transport Service Category—Credit2.33%Non-Passenger Transport—Consumer Credit1.76%Non-Passenger Transport—Corporate and Business Card2.35%Mail/Phone Order and eCommerce Merchants—Consumer Credit2.05%Credit Voucher—Debit0.00%Non-Passenger Transport—Non GSA Purchasing Transactions 0 - 10,0002.40% 10,000.01 - 25,0002.30% 25,000.01 - 100,0002.20% 100,000.01 - 500,0002.00% 500,000.01 1.80%Non-Passenger Transport—GSA Purchasing Transactions 0 - 10,0002.35% 10,000.01 - 25,0002.15% 25,000.01 - 100,0002.00% 100,000.01 1.80%Visa Prepaid Load Service NetworkVisa Prepaid Load Network Interchange Reimbursement Fee 0.05Visa Money Transfer (Interchange fees are paid by institution initiating transaction torecipient institution)Visa Money Transfer Original Credit13 October 2018 2018 Visa. All Rights Reserved. 0.10Visa Public17

Visa U.S.A. Other Transactions Interchange Reimbursement FeesVisa USA Interchange Reimbursement FeesCash Disbursement Transactions (Interchange payable from Issuer to Acquirer, in U.S.Dollars)ATM Cash Disbursement Reimbursement Fee—Level 1 0.35ATM Cash Disbursement Reimbursement Fee—Level 2 0.40ATM Cash Disbursement Reimbursement Fee—Level 3 0.45ATM Cash Disbursement Reimbursement Fee—Level 4 0.55ATM Plus Alliance Cash Disbursement Reimbursement FeeManual Cash Disbursement Reimbursement Fee0.35% 0.55(max. 3.00) 2.00Other ATM Non-Cash Disbursement TransactionsATM Decline Fee 0.25ATM Balance Inquiry Fee 0.25ATM Funds Transfer Fee 0.25ATM Shared Deposit Fee 2.50Plus Alternative Media Fee (paid by acquirer) 0.10Note: Fees in this table are listed in U.S. dollars; fees are paid to merchant financial institutions, except as noted.18 2018 Visa. All Rights Reserved.Visa Public13 October 2018

Visa U.S.A. International Transactions† Interchange Reimbursement FeesVisa USA Interchange Reimbursement FeesIVisa U.S.A. International Transactions† InterchangeReimbursement FeesRates Effective October 13, 2018† Visa cards used at a U.S. merchant but issued outside the U.S.Industry Fee ProgramVisa Classic /Visa Gold /ElectronVisa Signature /Visa Premium1Visa Infinite2All VisaCommercialProducts0.05% 0.21*Interregional Regulatedǂ DebitContact Chip Incentive 00%Issuer Chip CardSecure eCommerce Incentive RatesSecure eCommerce Transaction3Electronic and Standard ProgramsVisa Business-to-Business Virtual PaymentsStandard2.00%Original Credits (Interchange payable from sending institution to receiving institution, in U.S. Dollars)Original Credit 0.49Visa Money Transfer Fast Funds 0.89ǂ Limited to cards subject to U.S. Federal Reserve Board Regulation II.13 October 2018 2018 Visa. All Rights Reserved.Visa Public19

Visa U.S.A. International Transactions† Interchange Reimbursement FeesVisa USA Interchange Reimbursement FeesCash Disbursement Transactions (Interchange payable from Issuer to Acquirer, in U.S. Dollars)Cash Disbursement – Tier II ATM (Noaccess fee charged to cardholder)Visa Inc. Issued CardVisa Europe IssuedCardAny Visa PrepaidTravel Card 0.55 0.42% 1.50 1.00Cash Disbursement – Tier II ATM4(Access fee charged to cardholder) 0.50 0.15%Cash Disbursement – Manual 1.75 0.33% 0.60PIN Change / Unblock* Issuers that certify their compliance with the interim fraud prevention standards will receive an additional US 0.01.Note: Fees in this table are listed in U.S. dollars; fees are paid to cardholder financial institutions, except as noted.Applies to Canada-issued Visa Infinite and all Visa Prepaid Platinum cards. Platinum credit and debit cards issued fromCanada and the U.S. are not eligible for this rate.2Does not apply to Canadian-issued Visa Infinite cards.3Available to qualified transactions.4Includes Visa Prepaid Travel.120 2018 Visa. All Rights Reserved.Visa Public13 October 2018

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