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6.1.D. - Page 15 Thank you for selecting us for your payment processing needs.Accepting numerous payment options provides a convenience to your customers,increases your customers'ability to make purchases at your establishment,and helps speed payment to your account. This Program Guide presents terms governing the acceptance of Visa�MasterCard�Discover�and American Express�Credit Card and Non-PIN Debit Card payments.Other Services include all services related to:JCB�Card,PIN Debit Card,and Electronic BenefitsTransfer payments,TeleCheck�check services, Equipment purchase and rental,Gift Card Services,and acceptance of Cards from other Non-Bank Card Associations such as Voyager Fleet Systems,Inc.("Voyager"),Wright Express Corporation and Wright Express Financial Services Corporation(collectively,"WEX").Your Merchant Processing Application will indicate the types of payments and Services you have elected to accept. This Program Guide,together with your Merchant Processing Application and the Schedules thereto (the"AgreemenY'),contains the terms and conditions under which Processor and/or Bank and/or other third parties,such as TeleCheck for check services,will provide services to you.We will not accept any alterations or strike-outs to the Program Guide and,if made,any such alterations or strike-outs shall not apply.Please read this booklet completely as it contains important information. The provisions of this Agreement regarding Discover Card Transactions,American Express Card Transactions and Other Services constitute an agreement solely between you and Processor and/or third parties.Bank is not a party to this Agreement insofar as it relates to Discover Card Transactions and Other Services,and Bank is not responsible,and shall have no liability,to you in any way with respect to Discover Card Transactions and Other Services. OTHER IMPORTANT INFORMATION: Credit Cards present risks of loss and non-payment that are different than those with other payment systems.In deciding to accept Credit Cards,you should be aware that you are also accepting these risks. Visa U.S.A,Inc.("Visa")and MasterCard International,Incorporated("MasterCard"),Discover Financial Services LLC("Discover")and American Express are payment card networks that electronically exchange Sales Drafts and Chargebacks for Credits and Debits.(We will refer to Visa,MasterCard and Discover as "Associations.")Sales Drafts are electronically transferred from banks(in the case of Visa and MasterCard transactions)or network Acquirers(in the case of Discover transactions)that acquire them from merchants such as yourself(these banks and network acquirers are referred to as"Acquirers")through the appropriate Association,to the bank that issued the Cardholder's Credit Card(referred to as"Issuers").The Issuers then bill their Cardholders for the transactions.The Associations charge the Acquirers interchange fees and assessments for submitting transactions into their systems.A substantial portion of the Discount or Transaction Fees that you pay will go toward these fees and assessments. In order to speed up the payment process,the Issuer transfers the funds back through the Association to the Acquirer at approximately the same time that the Issuer receives the electronic Sales Drafts.Even though the payments under this system are made simultaneously,all payments made through the Associations are conditional and subject to reversals and adjustments. Each Association has developed rules and regulations("Association Rules")that govern their Acquirers and Issuers and the procedures,responsibilities and allocation of risk for this process.Merchants are also bound by Association Rules.The Association Rules and applicable banking laws give Cardholders and Issuers certain rights to dispute transactions,long after payment has been made to the merchant.These disputed transactions are referred to as Chargebacks. We do not decide what transactions are charged back and we do not control the ultimate resolution of the Chargeback.While we can attempt to reverse a Chargeback to the Issuer,we can only do so if the Issuer agrees to accept it or the Association requires the Issuer to do so after a formal appeal process. Sometimes,your customer may be able to successfully charge back a Credit Card transaction even though you have provided your goods or services and are otherwise legally entitled to payment from your customer.While you may still be able to pursue claims directly against that customer,neither we nor the Issuer will be responsible for such transactions. You will be responsible for all Chargebacks and adjustments associated with the transactions that you submit for processing. Please refer to the Glossary for defined terms used in the Agreement. WFB1301 7