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PAYMENT SERVICE NETWORK, INC. SERVICE AGREEMENT <br />d. PSN will provide Account Holder with Check 21 services as described in, and on the <br />terms and conditions set forth in, the Check 21 Addendum if Account Holder provides <br />PSN with a written request for such services. Account Holder agrees to be bound by the <br />terms of such Addendum if it elects to receive such services. <br />e. PSN will provide Account Holder with V Post services as described in, and on the terms <br />and conditions set forth in, the V Post Addendum if Account Holder provides PSN with a <br />written request for such services. Account Holder agrees to be bound by the terms of <br />such Addendum if it elects to receive such services. <br />f PSN will provide Cash Distribution services as described in, and on the terms and <br />conditions set forth in, the Cash Distribution Addendum if Account Holder provides PSN <br />with a written request for such services. Account Holder agrees to be bound by the terms <br />of such Addendum if it elects to receive such services. <br />g. PSN will provide a non-exclusive license to use a Customized Mobile App as described <br />in, and on the terms and conditions set forth in, the Mobile Application Addendum if <br />Account Holder provides PSN with a written request for such services. Account Holder <br />agrees to be bound by the terms of such Addendum if it elects to receive such services. <br />h. PSN will maintain a Payment Card Industry ("PCI") Level 1 security certification (or other <br />succeeding security standard required of PSN by PCI) to ensure security of Customer <br />and Account Holder data. <br />3. PSN reserves the right to modify the Services and Fees and service charges chargeable to <br />Account Holder or its Customers in its sole discretion from time to time. PSN will notify <br />Account Holder of material modifications to the Services or Fees and service charges by <br />electronic means to a designated representative of Account Holder or by written notice at <br />least thirty (30) days prior to the effective date of any such modifications. Account Holder <br />also consents to receiving from PSN any Federal tax statements or other notices required by <br />Federal, State or Local law in an electronic format. <br />4. Account Holder agrees to cooperate with PSN in resolving any disputes between Account <br />Holder and Customers in a timely manner, reaffirming that PSN is only a payment <br />intermediary and does not own the property or business or represent the Account Holder or <br />Customer in such disputes. Disputed transactions and chargeback's will be handled in the <br />following manner: <br />a. Credit Card Transactions: <br />PSN will notify Account Holder via electronic mail of any disputed credit card <br />payments or chargebacks from Account Holder's Customers. Account Holder <br />agrees to follow its standard operating procedures to resolve such disputed or <br />charge -backed credit card payments and work with PSN, the credit card company, <br />or its agents to investigate any such cases and assist in resolving any such claims. <br />2. Account Holder will be charged a fee of Fifteen Dollars ($15.00) for each chargeback <br />that is ultimately allowed, at which time, Account Holder gives PSN the authorization <br />to automatically debit Account Holder's account for the total of the original transaction <br />plus the Fifteen Dollars ($15.00) chargeback fee for the purpose of charging it back <br />to the Customer. <br />b. ACH - Checking and Savings Account Transactions, Bank Bill Pay and Check 21 <br />Transactions: <br />1. Problem transactions: NSF, Invalid Account, Receiver's Account Closed, No <br />Account, Stopped Payment, Account Frozen, Customer Does Not Authorize <br />Payment, RDFI Not ACH Member and/or any other Return Reason Codes as labeled <br />in NACHA Processing Guidelines will be resolved in the following manner: <br />a. PSN will notify Account Holder and Customer of said problem; <br />Note: Sank interchange rates are subject to change; therefore, this quote is valid for 95 days from date of issue. 2 <br />Payment Service Network, Inc. 12901 International Lane, Madison WI 53704 1 www.PaymentServiceNetwork.com <br />