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6.1.D. - Page 64 , . . Please read the Merchant Processing Program Guide in its entirety.It describes the terms under which we will provide merchant processing Services to you. From time to time you may have questions regarding the contents of your Agreement(which includes your Merchant Processing Application, the foregoing Program Guide,and the schedules thereto and documents incorporated herein)with Bank and/or Processor.The following information summarizes portions of your Agreement in order to assist you in answering some of the questions we are most commonly asked. 1. Your fees for certain Services set forth in this Agreement are based actions to mitigate our risk,including termination of the Agreement, on the interchange rates set by the Association.Any transactions that and/or hold monies otherwise payable to you(see Card General Terms fail to qualify at your Anticipated Interchange Levels will be charged in Section 23,Term;Events of Default and Section 24,Reserve Account; an additional fee(See Section 18 of the Merchant Processing Security Interest),under certain circumstances. Program Guide). 7. By executing this Agreement with us you are authorizing us to obtain 2. We may debit your bank account from time to time for amounts financial and credit information regarding your business and the owed to us under the Agreement. signers and guarantors of the Agreement until all your obligations to us are satisfied. 3. There are many reasons why a Chargeback may occur.When they occur we will debit your settlement funds or settlement account.For $• The Agreement contains a provision that in the event you terminate a more detailed discussion regarding Chargebacks,see Section 10 of the Agreement early,you may be responsible for the payment of an the Merchant Processing Program Guide. early termination fee as set forth in Part I Section 373 under"Additional Important Information". 4. If you dispute any charge or funding,you must notify us within 45 days of the date of the statement where the charge or funding 9• �f you lease equipment from Processor,it is important that you appears for Card Processing. review Section 32.This lease is a non-cancelable lease for the full term indicated. 5. The Agreement limits our liability to you.For a detailed description 10.Third Party Services. To the extent you have elected to obtain any of the limitation of liability,see Section 20 of the Card General Terms. third party services package,please ensure that you review and 6. We have assumed certain risks by agreeing to provide you with understand the terms and conditions contained in Part II(Third Party Card processing or check services.Accordingly,we may take certain Agreements)relevant to such third party services. 11.Association Disclosure Member Bank Information:Wells Fargo Bank The Bank's mailing address is Wells Fargo Bank,1200 Montego Way,Walnut Creek,CA 94598 and its phone number is 1-800-451-5817. Important Member Bank Responsibilities: Important Merchant Responsibilities: (a) The Bank is the only entity approved to extend acceptance of (a) Ensure compliance with Cardholder data security and storage Association products directly to a Merchant. requirements. (b) The Bank must be a principal(signer)to the Merchant Agreement. (b) Maintain fraud and chargebacks below Association thresholds. (c) The Bank is responsible for educating Merchants on pertinent (c) Review and understand the terms of the Merchant Agreement. Visa and MasterCard Rules with which Merchants must comply; (d) Comply with Association rules. but this information may be provided to you by Processor. (d) The Bank is responsible for and must provide settlement funds to the Merchant. (e) The Bank is responsible for all funds held in reserve that are derived from settlement. Print ClienYs Business Legal Name: By its signature below,Client acknowledges that it received(either in person,by facsimile,or by electronic transmission)and read the complete Program Guide(Version WF61301)consisting of 50 pages(including this confirmation),which is incorporated into its Agreement,and agrees to comply with all terms set forth therein.Upon receipt of a signed original of this Confirmation Page by us,your Application for merchant processing services will be reviewed.Client understands that its Application is subject to approval by us.Client understands that a copy of the Program Guide is also available for downloading from the internet at: www.wel Isfargo.com/down loads/pdf/biz/mercha nt/progra m_gu ide.pdf CLIENT'S BUSINE55 PRINCIPAL: Signature(Please sign below): X Title Date Please Print Name of Signer WFB1301 50