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/current-fees.html

VISA CANADA – INTERCHANGE REIMBURSEMENT FEES Domestic Consumer Credit & Debit Products Fee Program Standard Electronic Performance Program – Tier 1 Performance Program – Tier 2 Industry Program – Gas Industry Program - Grocery Recurring Payments Emerging Segments

Classic / Gold / Platinum 1.52% 1.42% 1.37% 1.41% 1.18% 1.33% 1.37% 0.98%

Infinite 1.71% 1.61% 1.56% 1.61% 1.37% 1.52% 1.56% 1.17%

Visa Infinite Privilege 2.45% 2.08% 1.95% 1.95% 1.95% 1.95% 1.95% 1.95%

Visa Debit 1.15% 0.25% + $0.05 0.15% + $0.05  0.15% + $0.05  0.15% + $0.05  0.15% + $0.05 0.60% 0.30%

Domestic Business Credit Products Fee Program Standard Electronic Performance Program – Tier 1 Performance Program – Tier 2 Industry Program – Gas Industry Program - Grocery Recurring Payments Emerging Segments

Business 2.00% 1.90% 1.80% 1.85% 1.80% 1.85% 1.85% 1.80%

Visa Infinite Privilege Business 2.65% 2.25% 2.00% 2.00% 2.00% 2.00% 2.00% 2.00%

 

 

 

VISA CANADA – INTERCHANGE REIMBURSEMENT FEES Domestic Corporate & Purchasing Credit Products Fee Program Standard Electronic Enhanced Data – Fuel Enhanced Data – Level 2 Enhanced Data – Level 3 Large Ticket (STP) Transaction Amount: $7,000 $15,000 Large Ticket (STP) Transaction Amount: $15,000 -$50,000 Large Ticket (STP) Transaction Amount: $50,000+ Performance Program – Tier 1 Performance Program – Tier 2 Industry Program – Gas Industry Program - Grocery Recurring Payments Emerging Segments

Corporate

Purchasing

2.00%  1.90%  1.80% 1.60% 1.40%

2.00% 1.90% 1.80% 1.60% 1.40%

1.30% + $35

1.30% + $30

1.20% + $35

1.20% + $35

1.10% + $35

1.10% + $35

1.80%  1.85% 

1.80%  1.85%  1.80% 

1.80% 1.85% 1.85%  1.80% 

1.85% 1.85% 1.80%

Domestic Prepaid Products Fee Program Standard Electronic Performance Program – Tier 1 Performance Program – Tier 2 Industry Program – Gas Industry Program – Grocery Recurring Payments Emerging Segments

Consumer Prepaid 1.51% 1.42% 1.37% 1.41% 1.18% 1.33% 1.37% 0.98%

Commercial Prepaid 2.00% 1.90% 1.80% 1.85% 1.80% 1.85% 1.85% 1.80%

 

 

 

VISA CANADA – INTERCHANGE REIMBURSEMENT FEES International Interchange Reimbursement Fees Fee Program Electronic Standard Airline

Visa Classic / Visa Gold/ Visa Platinum / Electron 1.10% 1.60% 1.10%

Visa Signature/ Visa Premium

Visa Signature Preferred / Visa Infinite

All Commercial Products

1.80% 1.80% 1.80%

1.97% 1.97% 1.97%

2.00% 2.00%  2.00% 

1.10%

1.80%

1.97%

2.00%

1.10%

1.80%

1.97%

2.00%

1.00%

1.80%

1.97%

2.00%

1.20%

1.80%

1.97%

2.00%

1.44%

1.80%

1.97%

2.00%

Chip Incentive Rates  Full Chip Data Device with PIN Full Chip Data Device Acquirer Chip (Chip Terminal & Magnetic-stripe Card)

Issuer Chip (Magnetic-stripe Terminal & Chip Card)

Secure eCommerce Incentive Rates Secure eCommerce Transaction Additional Transaction Types Original Credit Transaction (OCT) OCT Fast Funds Delivery Interlink

$0.49 USD $0.89 USD 1.10%

 

 

 

MASTERCARD CANADA – INTERCHANGE RATE PROGRAMS Canada Consumer Credit Interchange Rates – Cardholder in Store Interchange Description Merchant Volume Tier 1 (min. CAD 3 Billion net purchase vol) Merchant Volume Tier 2 (min. CAD 1 Billion net purchase vol) Merchant Volume Tier 3 (min. CAD 400 Million net purchase vol) High Volume Supermarket (min. CAD 3 Billion net purchase vol) Supermarket (less than CAD 3 Billion net purchase vol) Independent Business in Everyday Spend Category Petroleum Contactless Electronic

Core

World

World Elite

1.26%

1.38%

1.96%

1.36%

1.48%

1.96%

1.41%

1.53%

1.96%

1.22%

1.34%

1.96%

1.32%

1.44%

1.96%

1.44%

1.56%

2.00%

1.17% $0.05 (CAD) 1.49%

1.30% $0.06 (CAD) 1.77%

1.96% $0.07 (CAD) 2.12%

Canada Consumer Credit Interchange Rates – Other Incentive Programs Interchange Description Recurring Payments SecureCode-enabled Charity Emerging Sectors Standard

Core

World

1.36% 1.61% 1.00% 1.00% 1.61%

1.48% 1.89% 1.25% 1.25% 1.89%

World Elite 1.96% 2.49% 1.50% 1.50% 2.40%

Canada Domestic Consumer Debit Interchange Rates – Cardholder in Store Interchange Description Supermarket Petroleum Electronic Big Box Stores Specialty Clothing Stores

$0.15% + $0.05 CAD 0.015% + $0.05 (CAD) 0.25% + $0.05 (CAD) 0.25% + $0.05 (CAD) 0.25% + $0.05 (CAD)

 

 

 

MASTERCARD CANADA – INTERCHANGE RATE PROGRAMS Canada Domestic Consumer Debit Interchange Rates – Other Incentive Programs Interchange Description Recurring Payments Charity Emerging Sectors MasterPass Secure Code Standard

0.60% 0.30% 0.30% 1.00% 1.00% 1.15%

Canada Domestic Commercial Interchange Rates Interchange Description Commercial Standard Rate Data Rate 1 Data Rate 2 Large Ticket

2.00% 1.80% 1.40% 1.20%

International Consumer Interchange Rates Interchange Description International Standard Rate International Cardholder in Store Standard Rate SecureCode Merchant SecureCode Merchant and Cardholder

Core 1.60% 1.10% 1.44% 1.54%

Premium 1.85% 1.85% 1.85% 1.85%

International Commercial Interchange Rates Interchange Description International Commercial Standard Rate Electronic Product Large Market Product Data Rate 1 Large Market Large Ticket

Premium High Spend 2.00% 1.85% 2.00% 0.90% + $30 (USD)

 

 

 

DISCOVER – INTERCHANGE REIMBURSEMENT FEES Debit & Prepaid Card Products Debit

Prepaid

Acquirer Interchange Program Rate CPSL – Recurring Payments CPSL- Supermarket / Warehouse Clubs CPSL – Petroleum CPSL – Retail CPSL – Hotels/Car Rentals CPSL – Passenger Transport Base Submission Level

Trans Fee

1.20% 1.20% 1.20% 1.20% 1.20% 1.20% 1.20%

Rate

$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Trans Fee

1.49% 1.49% 1.49% 1.49% 1.49% 1.49% 1.49%

$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Consumer Credit Card Products Acquirer Interchange Program

Core/Rewards Rate

CPSL – Recurring Payments CPSL- Supermarket / Warehouse Clubs CPSL – Petroleum CPSL – Retail CPSL – Hotels/Car Rentals CPSL – Passenger Transport Base Submission Level

Premium

Trans Fee

Rate

Premium Plus

Trans Fee

Rate

Trans Fee

1.45%

$0.00

1.70%

$0.00

2.10%

$0.00

1.42%

$0.00

1.65%

$0.00

2.00%

$0.00

1.27% 1.60%

$0.00 $0.00

1.50% 1.98%

$0.00 $0.00

2.00% 2.25%

$0.00 $0.00

1.67%

$0.00

2.05%

$0.00

2.40%

$0.00

1.67%

$0.00

2.03%

$0.00

2.35%

$0.00

1.72%

$0.00

2.10%

$0.00

2.60%

$0.00

Business, Executive Business and Corporate Card Products Acquirer Interchange Program Commercial Recurring Payments Commercial Supermarket s/ Warehouse Clubs Commercial Petroleum Commercial Retail Commercial Hotels/Car Rentals Commercial Passenger Transport Commercial Base

Rate

Trans Fee

2.20%

$0.00

2.15%

$0.00

2.15% 2.25% 2.45% 2.40% 2.65%

$0.00 $0.00 $0.00 $0.00 $0.00

 

 

 

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

Trans Fee

0.00%

$1.65

International Card Sales Occurring in Canada All Card Products Acquirer Interchange Program Rate International Electronic International Base Submission Level

Trans Fee

1.20% 1.72%

$0.00 $0.00

Cash Reimbursement (International Cash Advances Occurring in Canada) Rate Cash Reimbursement

Trans Fee

0.16%

$3.00

INTERAC DIRECT PAYMENT – INTERCHANGE RATE PROGRAMS Interac Direct Payment Interchange Interchange for Interac Direct Payment (“IDP”) transactions is currently zero. Interac Flash Interchange Tiers Low-ticket merchants High volume merchants All other merchants

Rate $0.020 $0.025 $0.035