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2005 MasterCard/Visa

Fee Program NameCurrent Rate (USD)New Rate (USD)
Consumer Standard (75, 85, 95)2.70% + $0.102.70% + $0.10
Convenience Purchases (23)1.80% + $0.001.90% + $0.00
Key-Entered (92)1.90% + $0.101.95% + $0.10
Merit I (78, 88, 98)1.90% + $0.101.95% + $0.10
Merchant Universal Cardholder Authentication Field (UCAF)*n/a1.63% + $0.10
Full UCAF*n/a1.73% + $0.10
Merit III Base (70, 80)1.54% + $0.101.63% + $0.1
Merit III Tier 1 (10)[/td1.48% + $0.101.48% + $0.10
Passenger Transport (93)1.75% + $0.101.83% + $0.10
Public Sector (22)1.55% + $0.101.55% + $0.10
Service Industries (90)1.15% + $0.051.15% + $0.05
Supermarket Base (71, 81)1.36% + $0.001.43% + $0.05
Supermarket Tier 1 (13)1.30% + $0.001.32% + $0.00
Travel Industries Premier Service (97)1.58% + $0.101.74% + $0.10
Warehouse Club Base (91)1.36% + $0.001.43% + $0.05
Warehouse Club Tier 1 (16)1.30% + $0.001.32% + $0.00
World MasterCard T&E (96)2.20% + $0.10n/a
Payment Transaction (20)0.19% + $0.530.19% + $0.53


Corporate Interchange Rates
Fee Program NameCurrent Rate (USD) New Rate (USD)
Corporate Standard (65)2.70% + $0.10 2.70% + $0.10
Corporate Data Rate I (68)2.65% + $0.102.65% + $0.10
Corporate Data Rate II (67) 1.95% + $0.00 1.95% + $0.00
Corporate Data Rate III (66) 1.65% + $0.001.75% + $0.00
Corporate Face-to-Face (60)1.54% + $0.101.95% + $0.00
Corporate Large Ticket (62)1.20% + $40.00 1.20% + $40.00
Corporate T&E I (76, 86)2.30% + $0.00 2.35% + $0.00
Corporate T&E II (69)2.15% + $0.10 2.20% + $0.10
Corporate T&E III (89)2.05% + $0.102.15% + $0.10
Payment Transaction (21) 0.19% + $0.53 0.19% + $0.53


World MasterCard Interchange Rates
Fee Program NameCurrent Rate (USD) New Rate (USD)
World MasterCard Standard (01)2.70% + $0.102.90% + $0.10
World MasterCard Convenience Purchases (06)1.80% + $0.00 2.00% + $0.00
2006 World MasterCard Key-Entered (03) 1.90% + $0.102.05% + $0.1
World MasterCard Merit I (02) 1.90% + $0.102.05% + $0.10
World MasterCard Merchant Universal Cardholder Authentication Field (UCAF)*n/a 1.73% + $0.10
World MasterCard Full UCAF* n/a 1.83% + $0.10
World MasterCard Merit III Base (04) 1.54% + $0.10 1.73% + $0.10
World MasterCard Merit III Tier 1 (05) 1.48% + $0.101.58% + $0.10
World MasterCard Public Sector (56) 1.55% + $0.10 1.55% + $0.10
World MasterCard Restaurant (58)n/a1.63% + $0.10
World MasterCard Service Industries (55)1.15% + $0.051.15% + $0.05
World MasterCard Supermarket Base (07)1.36% + $0.001.53% + $0.05
World MasterCard Supermarket Tier 1 (08)1.30% + $0.001.42% + $0.00
World MasterCard T&E (96)2.20% + $0.102.30% + $0.10
World MasterCard Warehouse Club Base (09)1.36% + $0.001.53% + $0.05
World MasterCard Warehouse Club Tier 1 (54)1.30% + $0.001.42% + $0.00
Payment Transaction (20)0.19% + $0.53 0.19% + $0.53


Consumer Debit Refund Interchange Rates
Fee Program NameCurrent Rate (USD)New Rate (USD)
Consumer Debit Refund Group 1 (31) 1.89% + $0.00 1.72% + $0.00
Consumer Debit Refund Group 2 (32) 1.68% + $0.00 1.68% + $0.00
Consumer Debit Refund Group 3 (33) 1.40% + $0.001.40% + $0.00


Consumer Credit and World MasterCard Refund Interchange Rates
Fee Program NameCurrent Rate (USD)New Rate (USD)
Consumer Credit Refund Group 1 (34)2.32% + $0.002.42% + $0.00
Consumer Credit Refund Group 2 (35)2.02% + $0.00 2.09% + $0.00
Consumer Credit Refund Group 3 (36)1.87% + $0.001.95% + $0.00
Consumer Credit Refund Group 4 (37)1.77% + $0.001.82% + $0.00
Consumer Credit Refund Group 5 (38)1.69% + $0.00 1.73% + $0.00


Corporate Refund Interchange Rates
Fee Program NameCurrent Rate (USD)New Rate (USD)
Corporate Refund Group 1 (39) 2.38% + $0.00 2.37% + $0.00
Corporate Refund Group 2 (40)2.27% + $0.002.30% + $0.00
Corporate Refund Group 3 (41)2.15% + $0.002.21% + $0.00
Corporate Refund Group 4 (42)2.05% + $0.002.16% + $0.00

Visa U.S.A. announced the following changes(shown in bold) to its consumer debit card fees:Rates effective April 1, 2005

td]CPS/Supermarket Debit - Tier IIICPS/Card Not Present Debit1.95% + $0.02
Fee Program NameCurrent Rate (USD)April 2005 Rate (USD)
CPS/Retail Debit - Tier I0.70% + $0.150.62% + $0.13
CPS/Retail Debit - Tier II0.83% + $0.150.81% + $0.13
CPS/Retail Debit - Tier III0.95% + $0.150.92% + $0.15
CPS/Retail Debit - Tier IV1.05% + $0.151.03% + $0.15
CPS/Supermarket Debit - Tier I0.70% + $0.15($0.35 cap)0.62% + $0.13 ($0.35 cap)
CPS/Supermarket Debit - Tier II0.83% + $0.15 ($0.35 cap)0.81% + $0.13 ($0.35 cap)
0.95% + $0.15 ($0.35 cap)0.92% + $0.15 ($0.35 cap)
CPS/Supermarket Debit - Tier IV1.05% + $0.15 ($0.35 cap)1.03% + $0.15 ($0.35 cap)
CPS/Retail 2 Debit0.80% + $0.250.80% + $0.25
CPS/Retail Key Entry Debit1.60% + $0.151.60% + $0.15
1.60% + $0.151.60% + $0.15
CPS/Automated Fuel Dispenser Debit0.70% + $0.170.70% + $0.17
CPS/Account Funding Debit1.75% + $0.201.75% + $0.20
CPS/e-Commerce - Basic, Debit1.60% + $0.151.60% + $0.15
CPS/e-Commerce - Preferred, Debit1.55% + $0.151.55% + $0.15
CPS/Hotel and Car Rental Card Not Present, Debit1.36% + $0.151.36% + $0.15
CPS/Hotel and Car Rental Card Present, Debit1.36% + $0.151.36% + $0.15
CPS/e-Commerce Preferred - Hotel and Car Rental, Debit1.36% + $0.151.36% + $0.15
CPS/Passenger Transport,Debit1.60% + $0.151.60% + $0.15
CPS/e-Commerce Preferred - Passenger Transport,Debit1.60% + $0.151.60% + $0.15
CPS/Small-Ticket, Debit1.60% + $0.041.60% + $0.04
CPS/Restaurant, Debit1.19% + $0.101.19% + $0.10
CPS/Retail Service Station, Debit0.70% + $0.170.70% + $0.17
Express Payment Service, Debit1.95% + $0.02
EIRF, Debit1.75% + $0.201.75% + $0.20
Standard, Debit1.90% + $0.251.90% + $0.25



Consumer Debit Interchange Rates
Fee Program NameCurrent Rate (USD)New Rate (USD)
Consumer Standard (75, 85, 95) 1.90% + $0.251.90% + $0.25
Emerging Markets (29)0.80% + $0.250.80% + $0.25
Key-Entered (92)1.64% + $0.161.64% + $0.16
Merit I (78, 88, 98) 1.64% + $0.16 1.64% + $0.16
Merchant UCAF*n/a1.05% + $0.15
Full UCAF*n/a1.15% + $0.15
Merit III - Tier 1 (10)0.70% + $0.150.70% + $0.15
Merit III - Tier 2 (11) 0.83% + $0.150.83% + $0.15
Merit III - Tier 3 (12)0.95% + $0.150.95% + $0.15
Merit III - Base (70, 80) 1.05% + $0.15 1.05% + $0.15
Passenger Transport (93)1.60% + $0.151.60% + $0.15
Petroleum - CAT/AFD (27) 0.70% + $0.170.70% + $0.17
Petroleum - Service Stations (28)0.70% + $0.170.70% + $0.17
Restaurant (26)1.19% + $0.101.19% + $0.10
Service Industries (90)1.15% + $0.051.15% + $0.05
Small Ticket (25)1.60% + $0.041.60% + $0.04
Supermarket - Tier 1 (13)0.70% + $0.15 ($0.35 max)0.70% + $0.15($0.35 max)
Supermarket - Tier 2 (14)0.83% + $0.15 ($0.35 max)0.83% + $0.15 ($0.35 max)
Supermarket - Tier 3 (15)0.95% + $0.15 ($0.35 max)0.95% + $0.15 ($0.35 max)
Supermarket - Base (71, 81)1.05% + $0.15 ($0.35 max)1.05% + $0.15 ($0.35 max)
Travel Industries Premier Service (97)1.36% + $0.151.36% + $0.15
Warehouse Club - Tier 1 (16)0.70% + $0.15 ($0.35 max)0.70% + $0.15 ($0.35 max)
Warehouse Club - Tier 2 (17)0.83% + $0.15 ($0.35 max)0.83% + $0.15 ($0.35 max)
Warehouse Club - Tier 3 (18)0.95% + $0.15 ($0.35 max)0.95% + $0.15 ($0.35 max)
Warehouse Club - Base (91)1.05% + $0.15 ($0.35 max)1.05% + $0.15 ($0.35 max)
Payment Transaction (20)0.19% + $0.530.19% + $0.53


Visa U.S.A. announced the following changes (shown in bold) to its consumer debit
Fee Program NameCurrent Rate (USD)April 2005 Rate(USD)
CPS/Retail Debit - Tier I0.70% + $0.150.62% + $0.13
CPS/Retail Debit - Tier II0.83% + $0.150.81% + $0.13
CPS/Retail Debit - Tier III0.95% + $0.150.92% + $0.15
CPS/Retail Debit - Tier IV1.05% + $0.151.03% + $0.15
CPS/Supermarket Debit - Tier I0.70% + $0.15($0.35 cap)0.62% + $0.13 ($0.35 cap)
CPS/Supermarket Debit - Tier II0.83% + $0.15 ($0.35 cap)0.81% + $0.13 ($0.35 cap)
CPS/Supermarket Debit - Tier III0.95% + $0.15 ($0.35 cap)0.92% + $0.15 ($0.35 cap)
CPS/Supermarket Debit - Tier IV1.05% + $0.15 ($0.35 cap)1.03% + $0.15 ($0.35 cap)
CPS/Retail 2 Debit0.80% + $0.250.80% + $0.25
CPS/Retail Key Entry Debit1.60% + $0.151.60% + $0.15
CPS/Card Not Present Debit1.60% + $0.151.60% + $0.15
CPS/Automated Fuel Dispenser Debit0.70% + $0.170.70% + $0.17
CPS/Account Funding Debit1.75% + $0.201.75% + $0.20
CPS/e-Commerce - Basic, Debit1.60% + $0.151.60% + $0.15
CPS/e-Commerce - Preferred, Debit1.55% + $0.151.55% + $0.15
CPS/Hotel and Car Rental Card Not Present, Debit1.36% + $0.151.36% + $0.15
CPS/Hotel and Car Rental Card Present, Debit1.36% + $0.151.36% + $0.15
CPS/e-Commerce Preferred - Hotel and Car Rental, Debit1.36% + $0.151.36% + $0.15
CPS/Passenger Transport,Debit1.60% + $0.151.60% + $0.15
CPS/e-Commerce Preferred - Passenger Transport,Debit1.60% + $0.151.60% + $0.15
CPS/Small-Ticket, Debit1.60% + $0.041.60% + $0.04
CPS/Restaurant, Debit1.19% + $0.101.19% + $0.10
CPS/Retail Service Station, Debit0.70% + $0.170.70% + $0.17
Express Payment Service, Debit1.95% + $0.021.95% + $0.02
EIRF, Debit1.75% + $0.201.75% + $0.20
Standard, Debit1.90% + $0.251.90% + $0.25


Visa U.S.A. announced the following changes (shown in bold) to its consumer credit interchange reimbursement fees:
Rates effective April 1, 2005

Interchange Reimbursement Fee, Traditional Fee, Traditional Rewards, Fee Signature Fee,Standard Interchange
Reimbursement Fee2.70% + $0.102.70% + $0.10 2.70% + $0.10

Electronic Interchange
Reimbursement Fee 2.30% + $0.10 2.30% + $0.10 2.30% + $0.10

CPS/Program Rates
CPS/Supermarket Performance Threshold I1.15% + $0.051.15% + $0.051.65% + $0.10

CPS/Supermarket Performance Threshold II1.20% + $0.051.20% + $0.051.65% + $0.10

CPS/Supermarket Performance Threshold III1.22% + $0.05 1.22% + $0.05 1.65% + $0.10

CPS/Supermarket
All Other1.24% + $0.051.65% + $0.101.65% + $0.10

CPS/Retail Performance Threshold I1.43% + $0.101.43% + $0.101.65% + $0.10

CPS/Retail
Performance Threshold II 1.47% + $0.101.47% + $0.101.65% + $0.10

CPS/Retail
Performance Threshold III1.51% + $0.101.51% + $0.101.65% + $0.10

CPS/Retail
All Other1.54% + $0.101.65% + $0.101.65% + $0.10

CPS/Automated Fuel Dispenser1.50% + $0.051.65% + $0.101.65% + $0.10

CPS/Service Station1.43% + $0.101.65% + $0.10 2.30% + $0.10

CPS/Card Not Present1.85% + $0.101.90% + $0.10 1.90% + $0.10

CPS/Retail Key Entry1.85% + $0.101.90% + $0.10 1.90% + $0.10

CPS/e-Commerce Basic1.85% + $0.101.90% + $0.10 1.90% + $0.10

CPS/e-Commerce Preferred Hotel and Car Rental1.58% + $0.101.90% + $0.102.30% + $0.10

CPS/e-Commerce Preferred Passenger Transport1.75% + $0.101.90% + $0.102.30% + $0.10

CPS/Hotel & Car Rental Card Present1.58% + $0.101.90% + $0.102.30% + $0.10

CPS/Hotel & Car RentaCard Not Present1.58% + $0.10 1.90% + $0.102.30% + $0.10

CPS/Passenger Transport1.75% + $0.101.90% + $0.102.30% + $0.10

CPS/Restaurant1.54% + $0.101.90% + $0.102.30% + $0.10

The Special Incentive program fees remain unchanged as:
CPS/Small Ticket 1.65% + $0.04
CPS/Retail 2 1.43% + $0.05
CPS/e-Commerce Preferred Retail 1.80% + $0.10
Express Payment Service 2.00% + $0.02
CPS/Account Funding 2.14% + $0.10


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