Hello, EFFECTIVE APRIL 2022, THE CARD ASSOCIATIONS ASSESSED THE FOLLOWING FEE CHANGES: MASTERCARD ASSESSED FEES ON MASTERCARD DOMESTIC INSTALLMENT PURCHASE TRANSACTIONS THAT ARE SUCCESSFULLY CLEARED AND SETTLED IN WHICH A MASTERCARD INSTALLMENT PURCHASE PRODUCT TYPE (CARD TYPE) IS USED. THE SPECIFIC RATES FOR THESE FEES WILL VARY BASED ON THE CARD ACCEPTOR BUSINESS (CAB) PROGRAM THAT WAS SUBMITTED BY THE ACQUIRER AS PART OF THE FIRST PRESENTMENT AS FOLLOWS, 1.30% INSTALLMENT PURCHASE A, 0.10% INSTALLMENT PURCHASE B. A REBATE OF -1.15% WILL BE ISSUED ON MASTERCARD DOMESTIC INSTALLMENT REFUND TRANSACTIONS AS APPLICABLE. MASTERCARD ASSESSED A $0.02 PER TRANSACTION FEE ON CARD-NOT-PRESENT MASTERCARD AUTHORIZATION REQUESTS. THE FEE WILL APPLY TO AUTHORIZATION REQUESTS IN THE DOMESTIC (US REGION) WHEREIN ENHANCED INTELLIGENCE IS PROVIDED AND A DECLINE REASON RESPONSE IS PROVIDED. VISA ASSESSED A FEE FOR EACH SUBSEQUENT AUTHORIZATION ATTEMPT FOLLOWING AN INITIAL DECLINE RESPONSE FROM THE ISSUER THAT THE TRANSACTION WILL NEVER BE APPROVED. THE FEE FOR DOMESTIC TRANSACTIONS IS $0.10 AND THE FEE FOR CROSS BORDER TRANSACTIONS IS $0.15. VISA ASSESSED A $0.001 PER TRANSACTION FEE WHEN THE ADDRESS VERIFICATION YIELDS A USABLE RESULT, INCLUDING FULL MATCH, PARTIAL MATCH OR NO MATCH. THE AVS FEE WILL NOT BE CHARGED WHEN THE ADDRESS IS NOT VERIFIED. AMERICAN EXPRESS ASSESSED A $0.02 PER TRANSACTION ON ALL OPTBLUE NON-DEBIT CHARGES INCLUDING CREDIT (CONSUMER AND COMMERCIAL) AND PREPAID TRANSACTIONS SUBMITTED FOR ALL INDUSTRIES IN THE U.S. REGION. THE FEE IS NOT ASSESSED ON CREDIT/RETURN TRANSACTIONS. DISCOVER ASSESSED A $0.02 PER ACCOUNT VERIFICATION REQUEST FEE ON ALL DISCOVER FULL ACQUIRING TRANSACTIONS. DISCOVER ASSESSED A $0.005 PER ADDRESS VERIFICATION REQUEST ON ALL DISCOVER FULL ACQUIRING TRANSACTIONS. DISCOVER ASSESSED A FEE OF 0.01% OF THE GROSS AMOUNT OF DISCOVER FULL ACQUIRING SALES ON ALL KEYED OR ECOMMERCE TRANSACTIONS. THIS FEE WILL BE ASSESSED FOR PROVIDING DIGITAL TRANSACTION SECURITY AND FRAUD PREVENTION EFFORTS. Newtek Merchant Solutions Contact Newtek Merchant Solutions Phone: 1-800-277-6980 option 3 service@newtekone.com