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Payment Solution Provider -Compensation (As of 04/2004)

This program is targeted to existing Payment Processing Sales Groups or Agents.  All Payments including monthly residuals will be paid to the Group Name; residuals are based on all activated merchants processing margins.

Compensation

• Residuals-50/50 split on monthly processing margins, per activated merchant account. Margins are calculated on all processing rates and fees and split 50/50 between CCS and Sales Group.
• Residual Payments are paid monthly based on the previous months processing volume and are calculated and paid by the 30^th of the month.

All active sales groups activating at least 2 merchant accounts monthly or 25 annually are due residuals on their entire active merchant base.

All inactive sales groups with at least $300.00 in monthly residual income are due residuals on their active merchant base, assuming they still service merchants (i.e. take phone calls etc)

Equipment Sales and Leases: 100% of the margin above CCS published prices and deployment fees, assuming Sales Group purchased through CCS.
 

Upfront Bonus Plan

Current Program in effect beginning April 2004 (Program subject to change) Activation Bonus: Based on Monthly Bankcard Volume Bankcard Activations 0-9999 = $50.00 10000-24999 = $100.00 25000-49999 = $150.00 50000-99999 = $200.00 100000-500000 = $250.00 500000 + $500.00 Non-Bankcard Activations American Express = $25.00 Discover = $25.00 Check Services = $50.00 Gift/Loyalty Cards = $50.00 ATM Services = $50.00 Bonuses are paid upon activation and upon receipt of original documentation. Merchants must process with CCS for a minimum of 12 months, otherwise CCS may reserve the right to charge back agent for bonus for early cancellation. Merchant must provide at least 3 months recent processing statements to qualify for any bankcard activation bonus in excess of $50.00. Bonus is calculated on average of 3 most recent processing statements volume. Non-Bankcard Activation Bonuses are effective only when submitted with a new Bankcard Merchant Agreement. Bonuses are paid only on accounts that are sold at our minimum sell rates and include a $250.00 termination fee, $10.00 statement fee and $25.00 minimum fee. Bonuses are paid only on the Main Account for all multi location merchants with the same DBA Name and Merchant/Depository Account. Production Bonus: Paid Monthly based upon activated merchants 15-19 Accounts: $250.00 20-29 Accounts: $350.00 30+ Accounts:    $500.00 Agent Referral Bonus- Earn an override on residual earned by agents you refer to CCS.  Once the referred agent's earns $300.00 per month in residuals, the referring agent will receive a 10% override on their residuals, paid monthly.

Credit/Debit Cards - First Data Merchant Services Omaha, Nashville, Cardnet, Buypass
Costs: Qualified Rates: Interchange + Dues/Assessments + .09 per Transaction Swiped: 1.63%/19: Minimum Retail: 1.69%/25 (7 basis points) MOTO: 1.97%/19: Minimum Retail: 2.25%/25 (27 basis points) Buypass Front End Options Dial: Interchange + .10 Leased Line/VSAT: Interchange + .09 All other interchange categories-per table-consult management before quote Costs: Downgrades on all qualified rates: Interchange + Dues/Assessments + .09 per transaction + 25 basis points Minimum Mid Qualified Surcharge: 1% above qualified Minimum Non Qualified Surcharge: 1.5% above qualified Minimum ERRF(Enhanced Recover Reduced Fee) 1% Statement Fee: Cost $8.00/Minimum $10.00 Minimum Fee: Cost $0.00/Minimum $25.00
Other Minimum Fees	Minimum	Cost
Non Bankcard Transaction Fee (No Split Dial)	.15	.05
Fleet Cards	.15	.06
Voice Authorization Fee	.75	.50
Voice AVS (Address Verification)	1.95	1.75
Electronic AVS	.05	.01
Batch Fee	.20	.05
Chargeback Fee	25.00	18.00
Debit Transaction Fee	.55	Network + .06
Early Termination Fee	250.00	0.00
Wireless Access Fee	20.00	15.00
E-Merchant View	15.00	10.00
Debit Access Fee	0.00
Internet Service Fee (Authorize.net)	20.00	15.00
E-Checks Service (Add On)	Rate: 1.95%	.30 Tran
Internet Service Fee (Yourpay.com)	15.00	12.00
Credit/Debit-Best Payments (FDR, Concord, Buypass) Costs: Qualified Rates: Interchange+ Dues/Assessments + .10 per Transaction. Swiped: 1.63%/20: Minimum Retail: 1.69%/25 MOTO: 1.97%/20: Minimum Retail: 2.29%/30 Non Bankcard Transaction Fee: .30 each coded on application All other interchange categories-per table-consult management before quote. Revenue Share: 75% CCS/25% BPS

Other Fees-Rates Hard-coded on Application
Other Fees	Minimum	Cost
Monthly Minimum	6.00	10.00
Statement Fee (Bpass +1)	3.50	5.95
Merchant Club	.20	.20
Batch Fee	1.95	1.75
Debit Fee (Pin)	Network Fee +  .15	Network Fee +  .25
EBT (Pin)	0.00	45.00
Annual Fee	25.00
Chargeback Fee	5.00
Retrieval Fee	250.00
Early Termination Fee		1.07%
Mid Qualified Surcharge		1.72%
Non Qualified Surcharge	20.00 Month
Internet Service Fee: Plug N Pay
Wireless Service Fee
Cingular/Motient	15.00 Month
Comstar Pager		$20.00 + .10 Trans

Check Services-Telecheck-A First Data Company
Service	Low	Medium	High
Telecheck Electronic Check Acceptance	1.33	1.33	1.50
Minimum Sell Rates	1.49	1.49	1.69
	Cost	Minimum
Transaction Fee	.21	.25
Monthly ACH (Statement Fee)	5.00
Monthly Minimum Fee	35.00
Telecheck Small Ticket Program (ECA/Guarantee)
Monthly Fee	29.95
Transaction Fee	.30
Monthly ACH Fee	5.00
Telecheck BasX Verification Service (Non Guarantee)
Monthly Fee	14.95
Monthly ACH Fee	5.00
Telecheck Internet/Phone Check (Guarantee)
Telecheck Internet/Phone Check (Guarantee)	Sell Rate: Low Risk 3.95%
Transaction Fee	.35 + High Risk 4.95%
Non Guarantee Sell Rate	1.25%
Setup Fee	150.00
Monthly Minimum Fee	25.00
Monthly Service Fee	25.00
NOTE: All Telechek Processing Revenues is split 50/50 between CCS/Telecheck

GLOBAL E-Telecom Check Services (Secondary Vendor)

eGOLD - Electronic Check Conversion & Guarantee: Sell - 1.50/20 min Standard Discount Rate (Non-image) 1.20% (Image) 1.18% Transaction Fee $  .18 Statement Fee $ 3.00 Monthly Minimum $15.00 QSP – Quick Service Program Sell for .50 per check minimum Standard Discount Rate 0 Transaction Fee $ .37 Statement Fee $ 3.00 Monthly Minimum $15.00 eSILVER - Electronic Check Conversion with Verification: Min-.30 ea Standard Discount Rate 0 Transaction Fee $  .18/.30 sell Statement Fee $ 3.00 Monthly Minimum    $15.00 Traditional Paper Guarantee : Minimum Sell: 1.40/20 Standard Discount Rate 1.20% Transaction Fee $  .18 Statement Fee $ 3.00 Monthly Minimum    $15.00 Accounts Receivable Conversion (ARC) Electronic Lockbox: Sell for .40 ea Per Transaction Fee (1st, 2nd, 3rd submission) $   .22 Per Returned Item Fee $  .22 Per Reversal Fee $ 1.22 Per Batch Fee $  .22 Monthly Service Fee $ 5.00 ($2.50 for additional locations)  Monthly Minimum $ 40.00 ($20.00 for additional locations) Recurring Debit Transactions: Sell for .60 each minimum Per Transaction Fee (1st, 2nd, 3rd submission) $ .45 Per Returned Item Fee $1.00 Per Reversal Fee $ 1.00 Per Batch Fee $1.00 Statement Fee $5.00  Monthly Minimum $25.00

Gift/Loyalty Card Services - Valutec

VALUTEC JUMPSTART PROGRAM( New 100 Card Special Program) Includes 100 cards with Holders, Stands and POP Materials Monthly Service Fee - Cost: $29.00, Sell: $39.00 No setup fee, transaction fees etc, this program is a fixed $39/month fee for 100 cards, card reorders may be added and customer may upgrade to Launchbox or Custom Card Program. VALUTEC GIFT CARD LAUNCHBOX 500 Card Standard Card Program - Cost: $300.00, Sell: $495.00 500 Card Custom Card Program - Cost: $500.00, Sell: $795.00 Includes: 500 Cards with Holders, Stands and POP Materials Monthly Service Fee - Cost: 23.00, Sell: 35.00 VALUTEC CUSTOM CARD PROGRAM 1000.00 Cards  with Design - Cost: $649.00, Sell: $999.00 Reorders Per 500 - Cost: $425.00, Sell: $599.00 Monthly Service Fee - Cost: $35.00, Sell: $49.95 Note: Merchant may choose EITHER a Gift Card Program OR Loyalty Card Program per order. Additional Cards may be ordered as well as additional Merchandising tools, quote available upon request.

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Charge Card Systems Holdings, Inc. | Savings, Solutions, Services
Toll Free: (888) 505-CARD (2273) | info@chargecardsystems.com

Charge Card Systems is a registered ISO/MSP of Bank of America, N.A., BancorpSouth Bank, Tupelo., MS, and Paymentech.
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