Wells Fargo Merchant Services PIN Debit Networks Fee Schedule

Merchant Services

PIN Debit Networks Fee Schedule

Effective as of February through April 2023

This fee schedule contains Wells Fargo proprietary pricing for processing PIN debit and Electronic Benefit Transfer (EBT) transactions. This fee schedule should not be shared with anyone other than the intended recipient. Unauthorized use, including copying, reposting, or republishing this document elsewhere, is strictly prohibited.

This fee schedule represents various fees passed through to you from the PIN debit networks. These pass-through fees apply to PIN debit transactions and may also apply to EBT transactions. Interchange pass-through fees consist of a rate and/or a per-item charge within each debit network category as applicable. There are three interchange categories based on the card-issuing bank: non-regulated interchange, regulated interchange, and regulated interchange with fraud adjustment. Only one of these interchange categories will apply to each of your completed PIN debit transactions. Other specific pass-through fees are noted on this schedule and are assessed based on meeting established PIN debit network criteria. The debit networks may change their fees at any time, at their sole discretion, and you will be responsible for paying the debit network fees in effect on the date of the subject transaction. The fees on this schedule are the highest fees chargeable by the subject network as of the effective date. Your actual fees may be less than the disclosed amount for a given transaction if you qualify for a lower fee. Switch fees may apply to, but are not limited to, the following types of PIN debit and EBT transactions: purchase, reversal, return, pre-authorization, completion, and decline. The fee amounts may differ by transaction type, but the highest fee amount is shown here as a guide. Depending on how a transaction is processed, a switch fee may apply more than once to a single transaction. If you are not able to print this document yourself, you may obtain a printed copy of this fee schedule by calling Customer Service at 1-800-451-5817 to request that a copy be mailed or faxed to you.

? 2023 Wells Fargo Merchant Services, L.L.C.

To reprint this document, go to merchantdebitfees WFMS-205 04/23

Accel?

New category or qualification

Rate or fee decrease

Rate or fee increase

Category

Non-regulated interchange rates

and fees

Regulated interchange rates

and fees

Regulated interchange rates and fees with fraud

adjustment

Accel Standard Group 1, 2, & 3 Petroleum (MCCs 5541, 5542) Accel Standard Group 1, 2, & 3 QSR & Restaurant (MCC 5812 , 5814) Accel Standard Group 1, 2, & 3 Supermarket (MCCs 5300, 5411) Accel Standard Group 1, 2, & 3 Travel (MCC 3000-3299, 3351-3441, 3501-3999, 4112, 4411, 4511, 7011, 7512) Accel Standard Group 1, 2, & 3 All other MCCs

Accel Member Advantage1 Group 1, 2, & 3 Petroleum (MCCs 5541, 5542) Accel Member Advantage1 Group 1, 2, & 3 QSR & Restaurant (MCC 5812 , 5814) Accel Member Advantage1 Group 1, 2, & 3 Supermarket (MCCs 5300, 5411) Accel Member Advantage1 Group 1, 2, & 3 Travel (MCC 3000-3299, 3351-3441, 3501-3999, 4112, 4411, 4511, 7011, 7512) Accel Member Advantage1 Group 1, 2, & 3 All other MCCs

Accel Assurance1 Group 1, 2, & 3 Petroleum (MCCs 5541, 5542) Accel Assurance1 Group 1, 2, & 3 QSR & Restaurant (MCC 5812 , 5814) Accel Assurance1 Group 1, 2, & 3 Supermarket (MCCs 5300, 5411) Accel Assurance1 Group 1, 2, & 3 Travel (MCC 3000-3299, 3351-3441, 3501-3999, 4112, 4411, 4511, 7011, 7512) Accel Assurance1 Group 1, 2, & 3 All other MCCs

Accel Standard 0.80% + $0.20

1.19% + $0.10 $0.40

1.65% + $0.15 0.90% + $0.30 Accel Member Advantage1 0.80% + $0.20 1.19% + $0.10

$0.40 1.65% + $0.15 0.90% + $0.30 Accel Assurance1 0.80% + $0.20 1.19% + $0.10

$0.40 1.65% + $0.15 0.90% + $0.30

0.05% + $0.21 0.05% + $0.21 0.05% + $0.21 0.05% + $0.21 0.05% + $0.21

0.05% + $0.21 0.05% + $0.21 0.05% + $0.21 0.05% + $0.21 0.05% + $0.21

0.05% + $0.21 0.05% + $0.21 0.05% + $0.21 0.05% + $0.21 0.05% + $0.21

0.05% + $0.22 0.05% + $0.22 0.05% + $0.22 0.05% + $0.22 0.05% + $0.22

0.05% + $0.22 0.05% + $0.22 0.05% + $0.22 0.05% + $0.22 0.05% + $0.22

0.05% + $0.22 0.05% + $0.22 0.05% + $0.22 0.05% + $0.22 0.05% + $0.22

1. Accel Member Advantage, Accel Assurance, and Accel Advantage Select refer to debit cards that are issued under a special agreement between the Accel Network and the Accel member financial institution. 2PIN Debit Networks Fee Schedule

? continued

Accel? ? continued

Category

Accel Advantage Select1 Group 1, 2, & 3 Petroleum (MCCs 5541, 5542)

Accel Advantage Select1 Group 1, 2, & 3 QSR & Restaurant (MCC 5812 , 5814)

Accel Advantage Select1 Group 1, 2, & 3 Supermarket (MCCs 5300, 5411)

Accel Advantage Select1 Group 1, 2, & 3 All other MCCs

Switch Fee

Category

Network Annual Fee

New category or qualification

Rate or fee decrease

Rate or fee increase

Non-regulated interchange rates

and fees Accel Advantage Select1

1.45% + $0.45

1.45% + $0.45

1.45% + $0.45

1.45% + $0.45

Regulated interchange rates

and fees

N/A N/A N/A N/A

Regulated interchange rates and fees with fraud

adjustment

N/A N/A N/A N/A

Non-interchange fees

$0.10 $16 per year will be assessed to each merchant location that accepts Accel transactions. This fee covers the period beginning July 1 and will typically be billed to your account between October and December of the same year. This fee will appear as a separate line item on your merchant statement.

1. Accel Member Advantage, Accel Assurance, and Accel Advantage Select refer to debit cards that are issued under a special agreement between the Accel Network and the Accel member financial institution. 3PIN Debit Networks Fee Schedule

AFFN?

Category

AFFN National / Major Merchants (MCCs 5310, 5331, 5499, 5912, 7511, 9399, 9402) transactions less than $15

AFFN National / Major Merchants (MCCs 5310, 5331, 5499, 5912, 7511, 9399, 9402) transactions greater than or equal to $15

AFFN QSR (MCC 5814)

AFFN Petroleum (MCCs 5541, 5542) transactions less than $15

AFFN Petroleum (MCCs 5541, 5542) transactions greater than or equal to $15

AFFN Supermarket (MCCs 5300, 5411)

AFFN All other MCCs

Switch Fee

Category

$0.035

New category or qualification

Rate or fee decrease

Rate or fee increase

Non-regulated interchange rates

and fees

1.20% + $0.02

Regulated interchange rates

and fees

0.05% + $0.21

0.60% + $0.10 (Cap $0.50)

1.15% + $0.02

1.20% + $0.02

0.60% + $0.10 (Cap $0.50)

$0.23 0.75% + $0.12

(Cap $0.90)

0.05% + $0.21 0.05% + $0.21 0.05% + $0.21 0.05% + $0.21

$0.22 0.05% + $0.21

Non-interchange fees

Regulated interchange rates and fees with fraud

adjustment

0.05% + $0.22

0.05% + $0.22

0.05% + $0.22 0.05% + $0.22

0.05% + $0.22 $0.22

0.05% + $0.22

4PIN Debit Networks Fee Schedule

CULIANCE?

Category

CULIANCE Standard Petroleum (MCCs 5541, 5542) CULIANCE Standard QSR (MCCs 5812, 5814) CULIANCE Standard Supermarket (MCCs 5300, 5411) CULIANCE Standard All other MCCs

Category

Switch Fee

Infrastructure Assessment Fee

Network Annual Fee

New category or qualification

Rate or fee decrease

Rate or fee increase

Non-regulated interchange rates

and fees

0.80% + $0.13

1.25% + $0.06

$0.275

0.75% + $0.165

Regulated interchange rates

and fees

0.05% + $0.21

0.05% + $0.21

0.05% + $0.21

0.05% + $0.21

Regulated interchange rates and fees with fraud

adjustment

0.05% + $0.22

0.05% + $0.22

0.05% + $0.22

0.05% + $0.22

Non-interchange fees

$0.035

An additional $0.0075 assessed on all transactions $17 per year will be assessed to each merchant location that accepts CULIANCE transactions. This fee covers the period beginning April 1 and will typically be billed to your account between September and November of the same year. This fee will appear as a separate line item on your merchant statement.

5PIN Debit Networks Fee Schedule

Interlink?

Category

Interlink Petroleum (MCCs 5541, 5542) Interlink Petroleum Prepaid (MCCs 5541, 5542) Interlink Retail for all other MCCs Interlink Retail Prepaid for all other MCCs Interlink Supermarket (MCCs 5300, 5411) Interlink Supermarket Prepaid (MCCs 5300, 5411) Interlink Travel Service (MCCs 3000-3999, 4112, 4411, 4511, 4722, 5812, 5814, 7011, 7512) Interlink Travel Service Prepaid (MCCs 3000-3999, 4112, 4411, 4511, 4722, 5812, 5814, 7011, 7512) Interlink Business Cards Interlink Commercial Cards Prepaid

Interlink Interregional Program

New category or qualification

Rate or fee decrease

Rate or fee increase

Non-regulated interchange rates

and fees 0.80% + $0.15

(Cap $0.95) 1.15% + $0.15

(Cap $0.95) 0.80% + $0.15

1.15% + $0.15

$0.30 1.15% + $0.15

(Cap $0.35)

1.19% + $0.10

1.15% + $0.15

1.70% + $0.10

2.15% + $0.10 1.10% assessed on non-U.S. issued cards for all transactions

Regulated interchange rates

and fees 0.05% + $0.21 0.05% + $0.21 0.05% + $0.21 0.05% + $0.21 0.05% + $0.21 0.05% + $0.21

0.05% + $0.21

0.05% + $0.21

0.05% + $0.21 0.05% + $0.21 1.10% assessed on non-U.S. issued cards for all transactions

Regulated interchange rates and fees with fraud

adjustment 0.05% + $0.22 0.05% + $0.22 0.05% + $0.22 0.05% + $0.22 0.05% + $0.22 0.05% + $0.22

0.05% + $0.22

0.05% + $0.22

0.05% + $0.22 0.05% + $0.22 1.10% assessed on non-U.S. issued cards for all transactions

? continued

6PIN Debit Networks Fee Schedule

Interlink? ? continued

Switch Fee

Category

Issuer Will Never Approve Fee IK DB EXCESS REATTEMPT (effective June 1, 2023)

High Fallback Transaction Fee IK DB EMV FALLBACK (effective June 1, 2023) Base International Service Assessment (ISA) Fee

Enhanced International Service Assessment (ISA) Fee

International Acquiring Fee (IAF)

International Acquiring Fee (IAF) High-Risk

New category or qualification

Rate or fee decrease

Rate or fee increase

Non-interchange fees

0.08% + $0.0225 (Cap $0.035) An additional $0.10 assessed on any reattempted transaction after receiving a Category 1 decline response. Category 1 Decline Response Codes: 04 (Pickup card), 07 (Pickup card, special conditions), 12 (Invalid transaction), 14 (Invalid account number), 15 (No such issuer), 41 (Pickup card, lost card), 43 (Pickup card, stolen card), 46 (Closed account), 57 (Transaction not permitted to cardholder), R0 (Stop payment order), R1 (Revocation of authorization order), R3 (Revocation of all authorizations). This fee will appear as a separate line item on your merchant statement. An additional $0.10 assessed on each fallback transaction occurring at merchant locations with a fallback rate of 10% or above. This fee will appear as a separate line item on your merchant statement.

An additional 1.00% assessed on non-U.S. issued cards for all transactions when processed in USD

An additional 1.40% assessed on non-U.S. issued cards for all transactions when processed in non-USD

An additional 0.45% assessed on non-U.S. issued cards for all transactions

An additional 0.90% assessed on non-U.S. issued cards for all transactions with high-risk MCCs of 5962, 5966, 5967

7PIN Debit Networks Fee Schedule

Jeanie?

Category

Jeanie Standard Petroleum (MCCs 5541, 5542)

Jeanie Standard QSR (MCC 5814)

Jeanie Standard Supermarket (MCCs 5300, 5411)

Jeanie Standard All other MCCs

Jeanie Preferred2 Petroleum (MCCs 5541, 5542)

Jeanie Preferred2 QSR (MCC 5814)

Jeanie Preferred2 Supermarket (MCCs 5300, 5411)

Jeanie Preferred2 All other MCCs

Switch Fee

Category

$0.055

New category or qualification

Rate or fee decrease

Rate or fee increase

Non-regulated interchange rates

and fees

Jeanie Standard 0.80% + $0.13 (Cap $0.95) 1.55% + $0.04

$0.26

0.75% + $0.14

Jeanie Preferred2 0.80% + $0.15 (Cap $0.95) 1.55% + $0.04

$0.36

0.80% + $0.20

Regulated interchange rates

and fees

0.05% + $0.21 0.05% + $0.21 0.05% + $0.21 0.05% + $0.21

0.05% + $0.21 0.05% + $0.21 0.05% + $0.21 0.05% + $0.21

Non-interchange fees

Regulated interchange rates and fees with fraud

adjustment

0.05% + $0.22 0.05% + $0.22 0.05% + $0.22 0.05% + $0.22

0.05% + $0.22 0.05% + $0.22 0.05% + $0.22 0.05% + $0.22

2. Jeanie Preferred refers to debit cards that are issued under a special agreement between the Jeanie Network and the Jeanie member financial institution. 8PIN Debit Networks Fee Schedule

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