Confirmation Page

Merchant Information
Owners, Officers, and Partners
Profile and Processing Summary
Deposit InformationWe need your bank account information so that we can deposit your funds to you quickly and securely.

Transit/ABA Routing Number

Routing Number check

Bank of America, N.A.

DDA Account Number

Checking Account Number check

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I accept that this agreement uses an Electronic Signature. For additional details and information, see the E-Sign Agreement tab above.
I agree to the Qualified Discount Rate of 3.38% and $0.00 fee per authorization. For additional details and information, see the Service Fee Schedule tab above.
I guarantee to Electronic Payments, Inc. (“EPI”) and Wells Fargo Bank, N.A./Commercial Bank of California (“Bank”) the performance of this agreement. For additional details and information, see the Personal Guarantee tab above.
I certify that all information set forth in this Merchant Processing Application is true and correct. For additional details and information, see the Signature tab above.
I have read and agree to the terms listed on the Confirmation Page. For additional details and information, see the Confirmation tab above.

This Agreement uses an Electronic Signature. For security purposes, we have recorded your IP Address as: 192.168.1.1

I understand that the electronic application process in which I am currently engaged uses an electronic signature process that allows me to sign and agree to legally binding agreements online by using my mouse to click to enter and agree. I acknowledge that I intend to use this electronic application process to provide my signatures electronically. I understand that these signatures are legally binding, and are governed by the Electronic Signatures in Global and National Commerce Act of 2000 and/or the UETA governances (or amended versions or replacements of either) in my state of residence. I agree to be bound by these governances.

I represent and warrant that I am authorized by the entity on behalf of which I am signing and agreeing to these agreements to do so. I also agree that the electronic signatures that I provide online will be binding upon me and the entity on behalf of which I am signing, and will not be construed by a court of law to have any less effect than a standard ink or paper signature.

I represent that the information I have provided on the Merchant Application and Program Guide is complete and accurate, and I authorize Servicers to verify the information on this Merchant Application and Program Guide and to receive and exchange information about me, including requesting reports from consumer reporting agencies.

I acknowledge that: (a) this complete and legible Merchant Application and Program Guide 1306 has been provided to me, (b) I was technically capable of opening, reading, printing, downloading and/or saving all sections of the Merchant Application and Program Guide 1306, (c) I had a reasonable opportunity to open each section of the Merchant Application and Program Guide 1306, read it, and sign and agree to it by selecting “I Agree” and using my mouse to click to enter and agree to be bound by its provisions. I further understand that no strikeouts, interlineations, additions or modifications to this preprinted Merchant Application and Program Guide 1306 may be made and that this Merchant Application and Program Guide 1306 may be transmitted to or from Electronic Payments, Inc. (“EPI”) and Wells Fargo Bank, N.A./Commercial Bank of California (“Bank”), or their agents and/or retained electronically by Electronic Payments, Inc. (“EPI”) and Wells Fargo Bank, N.A./Commercial Bank of California (“Bank”) or their agents, which will constitute an original. I understand that this Merchant Application and Program Guide 1306 is subject to approval by Electronic Payments, Inc. (“EPI”) and Wells Fargo Bank, N.A./Commercial Bank of California (“Bank”).

Cards to Accept

Standard Rates and Percentages

Your Qualified Discount Rate is 3.864% + $0.10 per Authorization

If Discount Rate is less than 1.5%, Interchange fees will be passed through automatically unless ERR, Mid-Qual or Non-Qual options are selected. Discount Rate applies to Visa, MasterCard and Discover Network card types only. Authorization fee applies to all card types.

Exisiting Entitlements (if available)

EBT FNS#

Additional Options

check Dues/Assessments/Fees

check CR Voucher

Non-Standard Rates and Percentages

Mid-Qualified Rate
3.864% + $0.10 per Authorization

PIN Debit Discount Rate
3.864% + $0.10 per Authorization

American Express Discount Rate
3.864% + $0.10 per Authorization

American Express Prepaid Gift Card Rate
3.864% + $0.10 per Authorization

Miscellaneous Charges and Fees

Batch Charge per Instance
$0.10

One-Time Setup Fee
$100.00

The undersigned guarantees to Electronic Payments, Inc. (“EPI”) and Wells Fargo Bank, N.A./Commercial Bank of California (“Bank”) the performance of this Agreement, if applicable, and any addendum thereto by Client, and in the event of default, hereby waives Notice of Default and agrees to indemnify the other parties, including but not limited to, the payment of all sums due and owing and costs associated with enforcement of the terms thereof. Electronic Payments, Inc. (“EPI”) and Wells Fargo Bank, N.A./Commercial Bank of California (“Bank”) shall not be required to first proceed against Client or enforce any other remedy before proceeding against the undersigned individual. This is a continuing guarantee and shall not be discharged or affected by the death of the undersigned and shall bind the heirs, administrators, representatives and assigns and be enforced by or for the benefit of any successor of Electronic Payments, Inc. (“EPI”) and Wells Fargo Bank, N.A./Commercial Bank of California (“Bank”). The term of this guarantee shall be for the duration of the Merchant Processing Application and Agreement and any addendum thereto and shall guarantee all obligations which may arise or occur in connection with my activities during the term thereof through enforcement shall be sought subsequent to any termination.

Client certifies that all information set forth in this completed Merchant Processing Application is true and correct and that Client has received a copy of the terms and conditions of any optional Electronic Payments, Inc. (“EPI”) programs Client has selected to participate in from Section 7, the Program Guide and Confirmation Page, which is part of this Merchant Processing Application (consisting of Sections 1-11), and by this reference incorporated herein. Client further agrees that Client will not accept more than 20% of its card transactions via mail, telephone or Internet order. However, if Client’s Application is approved based upon contrary information stated in Section 5, Merchant Profile and Processing Summary section above, you are authorized to accept transactions in accordance with the percentages indicated in that section. Client authorizes Electronic Payments, Inc. (“EPI”) and Wells Fargo Bank, N.A./Commercial Bank of California (“Bank”) and their agents to investigate the references, statements and other data contained herein and to obtain additional information from credit bureaus and other lawful sources, including persons and companies named in this Merchant Processing Application. Client authorizes Electronic Payments, Inc. (“EPI”) and Wells Fargo Bank, N.A./Commercial Bank of California (“Bank”) and their agents (a) to procure information from any consumer reporting agency bearing his/her personal credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, and (b) to contact all previous employers, personal references and educational institutions. Each of the undersigned authorizes us and our Affiliates to provide amongst each other the information contained in this Merchant Processing Application and Agreement and any information received from all references, including banks and consumer reporting agencies. It is our responsibility and policy to obtain certain information in order to verify your identity while processing your account application, including but not limited to, an OFAC search, MasterCard® MATCH lookup, Discover Network Consortium Merchant Negative File (“CMNF”) and inquiry into your FICO score.

By signing below, I represent that I have read and am authorized to sign and submit this application for the above entity which agrees to be bound by the American Express® Card Acceptance Agreement (“Agreement”), and that all information provided herein is true, complete, and accurate. I authorize Electronic Payments Inc. (“EPI”) and American Express Travel Related Services Company, Inc. (“AXP”) and AXP’s agents and Affiliates to verify the information in this application and receive and exchange information about me personally, including by requesting reports from consumer reporting agencies, and disclose such information to their agent, subcontractors, Affiliates and other parties for any purpose permitted by law. I authorize and direct EPI and AXP and AXP agents and Affiliates to inform me directly, or through the entity above, of reports about me that they have requested from consumer reporting agencies. Such information will include the name and address of the agency furnishing the report. I also authorize AXP to use the reports from consumer reporting agencies for marketing and administrative purposes.

I understand that upon AXP’s approval of the application, the entity will be provided with the Agreement and materials welcoming it either to AXP’s program for EPI to perform services for AXP or to AXP’s standard Card acceptance program which has different servicing terms (e.g. different speeds of pay). I understand that if the entity does not qualify for the EPI servicing program that the entity may be enrolled in AXP’s standard Card acceptance program, and the entity may terminate the Agreement. By accepting the American Express Card for the purchase of goods and/or services, or otherwise indicating its intention to be bound, the entity agrees to be bound by the Agreement. Client agrees to all the terms of this Merchant Processing Application and Agreement. You further acknowledge and agree that you will not use your merchant account and/or the Services for illegal transactions, for example, those prohibited by the Unlawful Internet Gambling Enforcement Act, 31 U.S.C. Section 5361 et seq, as may be amended from time to time. This Merchant Processing Application and Agreement shall not take effect until Client has been approved and this Agreement has been accepted by EPI and Bank. The Agreement shall be deemed as accepted only upon the assignment and issuance of a Merchant ID Number (MID) by EPI or Bank.

Merchants using the Cygma platform:

Please read the Program Guide in its entirety. It describes the terms under which we will provide merchant processing services to you.

From time to time you may have questions regarding the contents of your Agreement with Bank and/or Processor. The following information summarizes portions of your Agreement in order to assist you in answering some of the questions we are most commonly asked.

Your discount rates are assessed on transactions that qualify for certain reduced interchange rates imposed by MasterCard, Visa and Discover Network. Any transactions that fail to qualify for these reduced rates will be charged an additional fee (see Sec tion 17 of the Program Guide).
We may debit your bank account from time to time for amounts owed to us under the Agreement.
There are many reasons why a Chargeback may occur. When they occur we will debit your settlement funds or settlement account. For a more detailed discussion regarding Chargebacks, see Section 10.
If you dispute any charge or funding, you must notify us within 60 days of the date of the statement where the charge or funding appears or should have appeared.
The Agreement limits our liability to you. For a detailed description of the limitation of liability see Section 19.

We have assumed certain risks by agreeing to provide you with Card processing. Accordingly, we may take certain actions to mitigate our risk, including termination of the Agreement, and/or hold monies otherwise payable to you (see Section 22, Term; Events of Default and Section 23, Reserve Account; Security Interest).
By executing this Agreement with us you are authorizing us and our Affiliate to obtain financial and credit information regarding your business and the signer and guarantors of the Agreement until all your obligations to us and our Affiliate are satisfied.
The Agreement contains a provision that in the event you terminate the Agreement early, you may be responsible for the payment of early termination fees as set forth in Section 33, Additional Fee Information.
You agree that EPI is not liable for your monetary losses due to lost chargeback or compliance cases, costs from a compromised bank or processing account, any fees or fines charged by the Card Associations to EPI or Bank attributable to your Merchant Account and you have no recourse for such losses due to activity processed under your Merchant Account or due to your actions related to your merchant account.

Bank Disclosure

Member Bank (Acquirer) Information: Commercial Bank of California, 19752 MacArthur Blvd., Suite 100, Irvine, CA 92612

Important Bank Responsibilities:

Commercial Bank of California is the only entity approved to extend acceptance of Visa products directly to a merchant.
Commercial Bank of California must be a principal party to the merchant agreement.
Commercial Bank of California is responsible for, and must provide settlement funds to, the merchant.
Commercial Bank of California is responsible for all funds held in reserve that are derived from settlement.
Commercial Bank of California is responsible for educating merchants on pertinent Visa Rules with which merchants must comply.

Important Merchant Responsibilities:

Ensure compliance with cardholder data security and storage requirements.
Maintain fraud and disputes below thresholds.
Review and understand the terms of the merchant agreement.
Comply with Card Brand Rules.

The responsibilities listed above do not supersede terms of the merchant agreement and are provided to ensure the merchant understands important obligations of each party and that the Visa Member, Commercial Bank of California, is the ultimate authority should the merchant have any problems.

By its signature below, Client acknowledges that it received the complete Program Guide consisting of 26 pages (including this confirmation).

Client further acknowledges reading and agreeing to all terms in the Program Guide, which shall be incorporated into Client’s Agreement. Upon receipt of a signed facsimile or original of this Confirmation Page by us, Client’s Application will be processed.

Client understands that a copy of the Program Guide is also available for downloading from the Internet at: www.electronicpayments.com/cbcal/

NO ALTERATIONS OR STRIKE-OUTS TO THE PROGRAM GUIDE WILL BE ACCEPTED AND, IF MADE, ANY SUCH ALTERATIONS OR STRIKE-OUTS SHALL NOT APPLY.

Merchants not using the Cygma plaform:

Please read the Program Guide in its entirety. It describes the terms under which we will provide merchant processing services to you.

Your discount rates are assessed on transactions that qualify for cer tain reduced interchange rates imposed by MasterCard, Visa and Discover Network. Any transactions that fail to qualify for these reduced rates will be charged an additional fee (see Sec tion 17 of the Program Guide).
We may debit your bank account from time to time for amounts owed to us under the Agreement.
There are many reasons why a Chargeback may occur. When they occur we will debit your settlement funds or settlement account. For a more detailed discussion regarding Chargebacks, see Section 10.
If you dispute any charge or funding, you must notify us within 60 days of the date of the statement where the charge or funding appears or should have appeared.
The Agreement limits our liability to you. For a detailed des cription of the limitation of liability see Section 19.

We have assumed certain risks by agreeing to provide you with Card processing. Accordingly, we may take certain actions to mitigate our risk, in cluding termination of the Agree ment, and/or hold monies otherwise payable to you (see Section 22, Term; Events of Default and Section 23, Reserve Account; Security Interest).
By executing this Agreement with us you are authorizing us and our Affiliate to obtain financial and credit information regarding your business and the signer and guarantors of the Agreement until all your obligations to us and our Affiliate are satisfied.
The Agreement contains a provision that in the event you terminate the Agreement early, you may be responsible for the payment of early termination fees as set forth in Section 33, Additional Fee Information.

Card Organization Disclosure
Visa and MasterCard Member Bank Information: Wells Fargo Bank, N.A.
The Bank’s mailing address is P.O. Box 6079 Concord, CA 94524, and its phone number is 1-844-284-6834.

Important Bank Responsibilities:

The Bank is the only entity approved to extend acceptance of Visa and MasterCard products directly to a Merchant.
The Bank must be a principal (signer) to the Merchant Agreement.
The Bank is responsible for educating Merchants on pertinent Visa and MasterCard rules with which Merchants must comply; but this information may be provided to you by Processor.
The Bank is responsible for and must provide settlement funds to the Merchant.
The Bank is responsible for all funds held in reserve that are derived from settlement.

Important Merchant Responsibilities:

Ensure compliance with cardholder data security and storage requirements.
Maintain fraud and chargebacks below Card Organization thresholds.
Review and understand the terms of the Merchant Agreement.
Comply with Card Organization rules.

By its signature below, Client acknowledges that it received the complete Program Guide [Version EPI1306 ] consisting of 26 pages (including this confirmation).

Client understands that a copy of the Program Guide is also available for downloading from the Internet at: www.electronicpayments.com/prg/

NO ALTERATIONS OR STRIKE-OUTS TO THE PROGRAM GUIDE WILL BE ACCEPTED AND, IF MADE, ANY SUCH ALTERATIONS OR STRIKE-OUTS SHALL NOT APPLY.