INTERCHANGE RATES The following is a summary of interchange rates of Visa Canada, MasterCard Canada, Discover Financial Service and Interac Direct Payment. For more information please visit: http://www.visa.ca/en/aboutcan/mediacentre/interchange/index.jsp http://www.mastercard.com/ca/merchant/en/getstarted/interchange_rates.html http://www.interac.ca/en/interac-about/interac-fees

VISA CANADA INTERCHANGE REIMBURSEMENT FEES Domestic Consumer Credit & Debit Products

Fee Program Classic / Gold / Platinum Infinite Visa Infinite

Privilege Visa Debit

Industry Program - Grocery 1.36% 1.56% 2.00% 0.15% + $0.05 Industry Program Gas 1.21% 1.41% 2.00% 0.15% + $0.05Performance Program Tier 1 1.40% 1.60% 2.00% 0.15% + $0.05Performance Program Tier 2 1.45% 1.65% 2.00% 0.15% + $0.05Recurring Payments 1.40% 1.60% 2.00% 0.60% Emerging Segments 1.00% 1.20% 2.00% 0.30% Electronic 1.54% 1.74% 2.25% 0.25% + $0.05 Standard 1.65% 1.85% 2.65% 1.15%

Domestic Business, Corporate & Purchasing Credit Products

Fee Program Business Visa Infinite

Privilege Business

Corporate Purchasing

Industry Program - Grocery 1.85% 2.00% 1.85% 1.85% Industry Program Gas 1.80% 2.00% 1.80% 1.80%Performance Program Tier 1 1.80% 2.00% 1.80% 1.80%Performance Program Tier 2 1.85% 2.00% 1.85% 1.85%Recurring Payments 1.85% 2.00% 1.85% 1.85% Emerging Segments 1.80% 2.00% 1.80% 1.80% Electronic 1.90% 2.25% 1.90% 1.90% Standard 2.00% 2.65% 2.00% 2.00%

Domestic Prepaid Products

Fee Program Visa Prepaid

Visa Prepaid Card 1.25%

VISA CANADA INTERCHANGE REIMBURSEMENT FEES International Interchange Reimbursement Fees

Fee Program

Visa Classic / Visa Gold/ Visa

Platinum / Electron

Visa Signature/ Visa Premium

Visa Signature Preferred / Visa

Infinite

All Commercial Products

Electronic 1.10% 1.80% 1.97% 2.00% Standard 1.60% 1.80% 1.97% 2.00%Airline 1.10% 1.80% 1.97% 2.00%Chip Incentive RatesFull Chip Data Device with PIN 1.10% 1.80% 1.97% 2.00%

Full Chip Data Device 1.10% 1.80% 1.97% 2.00% Acquirer Chip (Chip Terminal & Magnetic-stripe Card)

1.00% 1.80% 1.97% 2.00%

Issuer Chip (Magnetic-stripe Terminal & Chip Card)

1.20% 1.80% 1.97% 2.00%

Secure eCommerce Incentive Rates

Secure eCommerce Transaction 1.44% 1.80% 1.97% 2.00%

Additional Transaction Types Original Credit Transaction (OCT) $0.49 USD

OCT Fast Funds Delivery $0.89 USD Interlink 1.10%

MASTERCARD CANADA INTERCHANGE RATE PROGRAMS Canada Consumer Interchange Rates

Interchange Description Core High Spend Premium High Spend Merchants with annual MasterCard dollar volume in Canada in excess of $1 billion 1.40% 1.60% 2.00%

Merchants with annual MasterCard dollar volume in Canada in excess of $400 million 1.45% 1.65% 2.00%

Petroleum merchants with annual MasterCard dollar volume in Canada in excess of $400 million 1.21% 1.41% 2.00%

Supermarket merchants with annual MasterCard dollar volume in Canada in excess of $400 million 1.36% 1.56% 2.00%

All other electronically-captured MasterCard card present transactions 1.59% 2.00% 2.25%

All other MasterCard transactions 1.72% 2.13% 2.65% Transactions conducted with a MasterCard card enabled with MasterCard PayPass that are equal to or less than CAD 10

0.00% + CAD 0.05 0.00% + CAD 0.06 0.00% + CAD 0.07

Emerging Sectors Rate 1.00% 1.25% 1.50%

Canada Commercial Interchange Rates

Interchange Description Core Premium High Spend Merchants with annual MasterCard dollar volume in Canada in excess of $1 billion 2.00% 2.00%

Merchants with annual MasterCard dollar volume in Canada in excess of $400 million 2.00% 2.00%

Petroleum merchants with annual MasterCard dollar volume in Canada in excess of $400 million 2.00% 2.00%

Supermarket merchants with annual MasterCard dollar volume in Canada in excess of $400 million 2.00% 2.00%

All other electronically-captured MasterCard card present transactions 2.00% 2.25% All other MasterCard transactions 2.00% 2.65%

Canada Commercial Interchange Rates

Interchange Description Fleet / Corporate

/ Purchasing / Multi

Distribution

Data Rate 1 1.80% N/A Data Rate 2 1.40% N/A Large Ticket 1.20% N/A Distribution N/A 0.90% No enhanced data 2.00% 2.00%

MASTERCARD CANADA INTERCHANGE RATE PROGRAMS International Consumer Interchange Rates

Interchange Description Core Premium High Spend Electronically-captured transactions 1.10% 1.85% eCommerce transactions where only the merchant is enrolled in MasterCard SecureCode 1.44% 1.85%

eCommerce transactions where both the merchant and cardholder are enrolled in MasterCard SecureCode 1.54% 1.85%

All other MasterCard transactions 1.60% 1.85%

International Commercial Interchange Rates

Interchange Description Premium High Spend Electronically-captured transactions with the MasterCard Electronic Commercial card product only 1.85%

Transactions conducted with a MasterCard Corporate Purchasing Card or MasterCard Corporate Fleet card that are submitted with particular financial details 1.70%

Transactions conducted with a MasterCard Corporate Purchasing Card or MasterCard Corporate Fleet card Large Ticket

0.09% + USD 30.00

All other MasterCard transactions 1.85%

DISCOVER INTERCHANGE REIMBURSEMENT FEES Debit & Prepaid Card Products

Acquirer Interchange Program Debit Prepaid

Rate Trans Fee Rate Trans Fee

CPSL Recurring Payments 1.20% $0.00 1.49% $0.00 CPSL- Supermarket / Warehouse Clubs 1.20% $0.00 1.49% $0.00 CPSL Petroleum 1.20% $0.00 1.49% $0.00

CPSL Retail 1.20% $0.00 1.49% $0.00

CPSL Hotels/Car Rentals 1.20% $0.00 1.49% $0.00 CPSL Passenger Transport 1.20% $0.00 1.49% $0.00 Base Submission Level 1.20% $0.00 1.49% $0.00

Consumer Credit Card Products

Acquirer Interchange Program

Core/Rewards Premium Premium Plus

Rate Trans Fee Rate Trans Fee Rate Trans Fee

CPSL Recurring Payments 1.45% $0.00 1.70% $0.00 2.10% $0.00

CPSL- Supermarket / Warehouse Clubs 1.42% $0.00 1.65% $0.00 2.00% $0.00

CPSL Petroleum 1.27% $0.00 1.50% $0.00 2.00% $0.00 CPSL Retail 1.60% $0.00 1.98% $0.00 2.25% $0.00 CPSL Hotels/Car Rentals 1.67% $0.00 2.05% $0.00 2.40% $0.00

CPSL Passenger Transport 1.67% $0.00 2.03% $0.00 2.35% $0.00

Base Submission Level 1.72% $0.00 2.10% $0.00 2.60% $0.00

Business, Executive Business and Corporate Card Products

Acquirer Interchange Program Rate Trans Fee

Commercial Recurring Payments 2.20% $0.00 Commercial Supermarket s/ Warehouse Clubs 2.15% $0.00

Commercial Petroleum 2.15% $0.00 Commercial Retail 2.25% $0.00 Commercial Hotels/Car Rentals 2.45% $0.00 Commercial Passenger Transport 2.40% $0.00 Commercial Base 2.65% $0.00

DISCOVER INTERCHANGE REIMBURSEMENT FEES Cash Reimbursement (Local Cash Advances Occurring in Canada)

Rate Trans Fee

Cash Reimbursement 0.00% $1.65

International Card Sales Occurring in Canada

Acquirer Interchange Program All Card Products

Rate Trans Fee

International Electronic 1.20% $0.00 International Base Submission Level 1.72% $0.00

Cash Reimbursement (International Cash Advances Occurring in Canada)

Rate Trans Fee

Cash Reimbursement 0.16% $3.00

INTERAC DIRECT PAYMENT INTERCHANGE RATE PROGRAMS Interac Direct Payment Interchange Interchange for Interac Direct Payment (IDP) transaction is currently zero.

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