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Subject:   Real Facts:TD/FD Merchant Service Benefit  Program 
Date: Sun, 2 Nov 2008 15:53:55 -0500
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Thread-Topic:   Real Facts:TD/FD Merchant Service Benefit  Program 
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From: "Martin, Sanata J." <Sanata.Martin@firstdata.com>
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Dear  Chamber Manager/ Membership Co-ordinator=0D=0A =0D=0ABy now you have =
probably heard that your TD/FD Merchant Service Rep, Rob=0D=0AKadun has mov=
ed on to other opportunities=2E=0D=0AYou will be glad to know that your Cha=
mber and its members will be under=0D=0Amy care, You will both benefit from=
 my over 7 years of experience in=0D=0Athis industry as a Merchant Service =
Specialist =2E In 2007 and 2008  I=0D=0Ahave referred over 400 businesses t=
o become Members of their Local=0D=0AChamber of Commerce =2EFrom The Northw=
est Territories to BC Interior/=0D=0AVancouver Island,and  Lower Mainland t=
o Chambers in our Eastern=0D=0AProvinces and Atlantic region =2E It is a Me=
rchant benefit  program I=0D=0Abelieve strongly in=2E=0D=0ALike you my goal=
 has always been to give the the merchants All the=0D=0Ainformation they ne=
ed to make the Best decision for their business =2E I=0D=0Aknow you will wa=
nt the NEW TDVisa First Data Mastercard information=0D=0Abelow available to=
 your members whether it is on your website in your=0D=0Anewsletters or in =
the handouts given to them when they join=2E=0D=0AIncluded below is  the co=
rrect rates and fees regarding the TD/FirstData=0D=0AMerchant Service Progr=
am and information that I have passed on to my 40+=0D=0AChambers and their =
members, that they have found very helpful=0D=0Ain trying of "Make sense of=
 it all"=2E=0D=0A =0D=0AIf you have any questions or I can be of any assisa=
tance Please fee free=0D=0Ato call=0D=0A =0D=0APS=2E I have included an int=
erim Chamber Flyer for your Membership=0D=0APackages until I have received =
your official flyer with your Chamber=0D=0Aindicated on it=2E Once I have t=
he PDF of this New flyer I will forward=0D=0Athat to you ( if you need a qu=
antity of  the Official Colour Flyers=0D=0APrinted ,please let me  know)=0D=
=0A =0D=0AExclusive for Chamber of Commerce Members Only! The Real facts!=
=0D=0A =0D=0AFace to Face Card Present Retailers Electronically swiped card=
s=0D=0ATDVisa 1=2E68%, First Data Mastercard 1=2E79% Debit =2E09 cents =0D=
=0A =0D=0ANON  swiped cards=0D=0ATDVisa 2=2E19% First Data Mastercard 2=2E0=
7% =0D=0A =0D=0AFIV Terminal dial up 35=2E00 / month=0D=0AFIV Terminal high=
speed 41=2E00/ month=0D=0AFV Wireless terminals available for Mobile Busine=
sses=0D=0AMerchant PC, a computer based solution ( ideal for small business=
 with=0D=0Aminimal transactions)=0D=0ANO PAPER Rate programs  available ( a=
s all transaction must be processed=0D=0Aelectronically either keyed or swi=
ped)=0D=0A =0D=0A=2E=2E=2EVisa/Mastercard  Discount rate applies to Any siz=
e transaction=0D=0A=0D=0A =2E=2E=2ENo additional Per transaction charges=0D=
=0A=0D=0A =0D=0A=0D=0A   Example of a total transaction cost with TD/FD=0D=
=0A=0D=0A               $100=2E00 Visa Swiped Trans x 1=2E69% +=2E06 visa a=
sses fee =3D=0D=0A$1=2E75 ( effective rate 1=2E75%)=0D=0A=0D=0A            =
         $100=2E00 MC Swiped  Trans x 1=2E79 =3D $1=2E79( effective=0D=0Ara=
te 1=2E79%)=0D=0A=0D=0A                     $100=2E00 Visa NON swiped  x1=
=2E69 +=2E50bp ( non=0D=0Aqualifying fee)  + =2E06 asses=3D$2=2E35 ( effect=
ive rate 2=2E35%)=0D=0A=0D=0A                     $100=2E00 MC NON Swiped x=
 1=2E79 + =2E28 bps (non=0D=0Aqualifying fee)=3D $2=2E07( effective rate 2=
=2E07%)=0D=0A=0D=0A               =0D=0AOther Fees:  =0D=0AVisa Corporate C=
ommercial Card Rate =2E30%, Visa Infinite Card =2E30%/,=0D=0AMastercard Cor=
porate and high spend Card Rate =2E56bps,Mastercard Foreign=0D=0Afee =2E30%=
, =0D=0AVisa Assesment fee =2E06% IDP Settlement Fee =2E09 daily,=0D=0AMont=
hly Minimum 10=2E00Visa, and 10=2E00 Mastercard, =0D=0ACharge Back fee( ret=
ail )10=2E00 Visa/10=2E00Mastercard, 12=2E00 per Year=0D=0AManual Imprinter=
 Rental ,=0D=0ADeposit to Business Bank of your choice ( other than TD) 5=
=2E00 per month=0D=0AVisa and 5=2E00 per month Mastercard=0D=0AFees Waived:=
 =0D=0AApplication Fees,Visa /Mastercard Annual fees, Non Visa Mastercard=
=0D=0Atransaction fees, 7=2E95 monthly fee, =0D=0A5=2E00 Mastercard monthly=
 fee, mastercard non achiever fee, additonal=0D=0Akeyed transaction fee,mas=
tercard transaction fee, training and=0D=0Ainstallation fees for terminal,=
=0D=0A =0D=0AIf you have any question Please feel free to contact me!=0D=0A=
 =0D=0ANow the rest of the information:=0D=0A =0D=0AHere is some info that =
assists in" Making Sense of it all"=0D=0ASome answers to questions  regardi=
ng the industry changes:=0D=0AAs you are no doubt aware Visa and Mastercard=
 adjusted the rates in=0D=0AApril and many providers passed these increases=
 on to their Merchants=0D=0Aand there was another  Visa increase on Oct 01,=
 2008 with more changes=0D=0Awe are told coming in the months ahead=2E=0D=
=0AThese increases are in direct correlation to Visa & Mastercard Canada=0D=
=0Araising the rates ( known as interchange) to ALL Merchant Acquirers who=
=0D=0Athen pass these increases on to you the merchant=2E=0D=0A( regard it =
if you will like a supplier raising the cost of goods the=0D=0Amerchant the=
n has to pass this increased cost on to their customer)=0D=0AOne of the rea=
sons for these increases is that Visa Canada became a=0D=0Apublically trade=
d company=2E=0D=0ASome Merchant Acquirers are using these increases in Inte=
rchange to over=0D=0Acharge and Inflate the actual cost they are incurring =
and pass these=0D=0Ainflated costs on toYou the Merchant and to confuse the=
 situation with=0D=0Aindustry lingo in hopes that the merchant will not und=
erstand what it is=0D=0Atruly costing them=0D=0A =0D=0AMany Providers are s=
till offering Great Flash Rates but charge  many=0D=0Aother fees=2E=2E=2E=
=0D=0AThese additonal fees can increase the actual effective rate they are=
=0D=0Apaying which of course decreases their net profits=2E =0D=0AStatement=
s are confusing and it can be hard to figure out all the=0D=0Aaddional fees=
 and the actual credit card processing costs=2E=0D=0AAlso their  current fi=
nancial institution ( Royal/HSBC/BMO/CIBC/Nova=0D=0AScotia) may be charging=
 them for POS activity ie:  batch out fees, and=0D=0Aper transaction charge=
s, increasing once again the cost to process these=0D=0AVisa Mastercard and=
 Debit transactions=2E=2EIf this is the case,  we  have a=0D=0Asimple solut=
ion to make these additional bank  fees disappear=2E=0D=0A =0D=0ASo How doe=
s  the merchant keep their costs for Processing down with all=0D=0Athese ch=
anges?=0D=0A =0D=0AIf they would like me to walk them through  their  curre=
nt Statement to=0D=0Asee if they have any of these additional fees, They ca=
n contact me or=0D=0Athey can fax their statement to the number below=2E Th=
e benefit to them=0D=0Ataking advantage of my 7+ years of Merchant Service =
Industry expertise=0D=0Ais that they get to see for themselves  if they  ar=
e paying too much =2E=0D=0AThis is a free service that I provide  in order =
to help them " Make=0D=0ASense of it All"=2E=0D=0A =0D=0ATD Visa /First Dat=
a Mastercard have been a Trusted Merchant Service=0D=0ABenefit provider for=
 the Chamber of Commerce across Canada for the past=0D=0A9 years=2E This Me=
rchant Service Program CAN and DOES reduce some of these=0D=0Afees  dramati=
cally and make other fees just go away=2E=0D=0A =0D=0A =0D=0AMake it a Grea=
t Day!=0D=0A =0D=0A"I believe that Getting Paid for your Products or Servic=
e is=0D=0AImportant=2E=2EKeeping Your Profits Equally important =2E"=0D=0A =
=0D=0A  =0D=0ASanata L=2E Martin=0D=0ASenior Account Executive=0D=0ATD Visa=
/FD Mastercard=0D=0AMasters Club 100% Platinum=0D=0AFirst Data Internationa=
l, Canada=0D=0A250 717 6589 direct=0D=0A250 862 3781 fax=0D=0A1888 879 4044=
 ext 3635025 message centre=0D=0A =0D=0A =0D=0ASales Excellence Award Winne=
r ( 3 years)=0D=0A#1 in Canada Customer Service and Sales 2007=0D=0A =0D=0A=
 =0D=0A=0D=0A=0D=0A=0D=0A-----------------------------------------=0D=0AThe=
 information in this message may be proprietary and/or=0Aconfidential, and =
protected from disclosure=2E  If the reader of this=0Amessage is not the in=
tended recipient, or an employee or agent=0Aresponsible for delivering this=
 message to the intended recipient,=0Ayou are hereby notified that any diss=
emination, distribution or=0Acopying of this communication is strictly proh=
ibited=2E If you have=0Areceived this communication in error, please notify=
 First Data=0Aimmediately by replying to this message and deleting it from =
your=0Acomputer=2E 
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<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4=2E0 Transitional//EN">=0D=0A<HTML=
 xmlns:o =3D "urn:schemas-microsoft-com:office:office"><HEAD>=0D=0A<META ht=
tp-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii">=0D=0A<ST=
YLE>BODY {=0D=0A	BACKGROUND-POSITION: left top; MARGIN-TOP: 0em; FONT-WEIGH=
T: normal; FONT-SIZE: 12pt; MARGIN-BOTTOM: 0em; MARGIN-LEFT: 4em; COLOR: #4=
27d64; BACKGROUND-REPEAT: repeat-y; FONT-FAMILY: "Arial"; BACKGROUND-COLOR:=
 #fffffd=0D=0A}=0D=0AP=2EmsoNormal {=0D=0A	BACKGROUND-POSITION: left top; M=
ARGIN-TOP: 0em; FONT-WEIGHT: normal; FONT-SIZE: 12pt; MARGIN-BOTTOM: 0em; M=
ARGIN-LEFT: 4em; COLOR: #427d64; BACKGROUND-REPEAT: repeat-y; FONT-FAMILY: =
"Arial"; BACKGROUND-COLOR: #fffffd=0D=0A}=0D=0ALI=2EmsoNormal {=0D=0A	BACKG=
ROUND-POSITION: left top; MARGIN-TOP: 0em; FONT-WEIGHT: normal; FONT-SIZE: =
12pt; MARGIN-BOTTOM: 0em; MARGIN-LEFT: 4em; COLOR: #427d64; BACKGROUND-REPE=
AT: repeat-y; FONT-FAMILY: "Arial"; BACKGROUND-COLOR: #fffffd=0D=0A}=0D=0A<=
/STYLE>=0D=0A=0D=0A<META content=3D"MSHTML 6=2E00=2E2900=2E3429" name=3DGEN=
ERATOR></HEAD>=0D=0A<BODY id=3DridBody background=3Dcid:703150704@29072008-=
2EF7>=0D=0A<DIV><FONT color=3D#000080 size=3D2><SPAN class=3D300395314-1312=
2007><STRONG><SPAN =0D=0Aclass=3D435343018-02112008>Dear&nbsp; Chamber Mana=
ger/ Membership =0D=0ACo-ordinator</SPAN></STRONG></SPAN></FONT></DIV>=0D=
=0A<DIV><FONT color=3D#000080 size=3D2><SPAN class=3D300395314-13122007><ST=
RONG><SPAN =0D=0Aclass=3D435343018-02112008></SPAN></STRONG></SPAN></FONT>&=
nbsp;</DIV>=0D=0A<DIV><FONT color=3D#000080 size=3D2><SPAN class=3D30039531=
4-13122007><STRONG><SPAN =0D=0Aclass=3D435343018-02112008>By now you have p=
robably heard that your TD/FD Merchant =0D=0AService Rep, Rob Kadun has mov=
ed on to other =0D=0Aopportunities=2E</SPAN></STRONG></SPAN></FONT></DIV>=
=0D=0A<DIV><FONT color=3D#000080 size=3D2><SPAN class=3D300395314-13122007>=
<STRONG><SPAN =0D=0Aclass=3D435343018-02112008>You will be glad to know tha=
t your Chamber and its =0D=0Amembers will be under my care, You will both b=
enefit from my over 7 years of =0D=0Aexperience in this industry as a Merch=
ant Service Specialist&nbsp;=2E In 2007 and =0D=0A2008 &nbsp;I have referre=
d&nbsp;over 400 businesses to become Members of their =0D=0ALocal Chamber o=
f Commerce =2EFrom The Northwest Territories to BC Interior/ =0D=0AVancouve=
r Island,and &nbsp;Lower Mainland to&nbsp;Chambers in&nbsp;our Eastern =0D=
=0AProvinces and Atlantic region&nbsp;=2E It is a Merchant benefit &nbsp;pr=
ogram I =0D=0Abelieve strongly in=2E</SPAN></STRONG></SPAN></FONT><FONT col=
or=3D#000080 =0D=0Asize=3D2><SPAN class=3D300395314-13122007><STRONG><SPAN =
=0D=0Aclass=3D435343018-02112008></SPAN></STRONG></SPAN></FONT></DIV>=0D=0A=
<DIV><FONT color=3D#000080 size=3D2><SPAN class=3D300395314-13122007><STRON=
G><SPAN =0D=0Aclass=3D435343018-02112008>Like you my goal has always been t=
o give the the =0D=0Amerchants All the information they need to make the Be=
st decision for their =0D=0Abusiness =2E I know you will want the NEW TDVis=
a First Data Mastercard information =0D=0Abelow available to your members w=
hether it is on your website in your =0D=0Anewsletters or in the handouts g=
iven to them when they =0D=0Ajoin=2E</SPAN></STRONG></SPAN></FONT></DIV>=0D=
=0A<DIV><FONT color=3D#000080 size=3D2><SPAN class=3D300395314-13122007><ST=
RONG><SPAN =0D=0Aclass=3D435343018-02112008><SPAN class=3D300395314-1312200=
7><STRONG><SPAN =0D=0Aclass=3D435343018-02112008></SPAN></STRONG></SPAN>Inc=
luded below is&nbsp; the =0D=0Acorrect rates and fees regarding the TD/Firs=
tData Merchant Service Program and =0D=0Ainformation that I have passed on =
to my 40+ Chambers and their members, that =0D=0Athey have found very helpf=
ul</SPAN></STRONG></SPAN></FONT></DIV>=0D=0A<DIV><FONT color=3D#000080 size=
=3D2><SPAN class=3D300395314-13122007><STRONG><SPAN =0D=0Aclass=3D435343018=
-02112008>in trying of "Make sense of it =0D=0Aall"=2E</SPAN></STRONG></SPA=
N></FONT></DIV>=0D=0A<DIV><FONT color=3D#000080 size=3D2><SPAN class=3D3003=
95314-13122007><STRONG><SPAN =0D=0Aclass=3D435343018-02112008></SPAN></STRO=
NG></SPAN></FONT>&nbsp;</DIV>=0D=0A<DIV><FONT color=3D#000080 size=3D2><SPA=
N class=3D300395314-13122007><STRONG><SPAN =0D=0Aclass=3D435343018-02112008=
>If you have any questions or I can be of any =0D=0Aassisatance Please fee =
free to call</SPAN></STRONG></SPAN></FONT></DIV>=0D=0A<DIV><FONT color=3D#0=
00080 size=3D2><SPAN class=3D300395314-13122007><STRONG><SPAN =0D=0Aclass=
=3D435343018-02112008></SPAN></STRONG></SPAN></FONT>&nbsp;</DIV>=0D=0A<DIV>=
<FONT color=3D#000080 size=3D2><SPAN class=3D300395314-13122007><STRONG><SP=
AN =0D=0Aclass=3D435343018-02112008>PS=2E I have included an interim Chambe=
r Flyer for your =0D=0AMembership Packages until I have received your offic=
ial flyer with your Chamber =0D=0Aindicated on it=2E Once I have the PDF of=
 this New flyer&nbsp;I will forward that =0D=0Ato you ( if you need a quant=
ity of&nbsp; the Official Colour Flyers Printed =0D=0A,please let me&nbsp; =
know)</SPAN></STRONG></SPAN></FONT></DIV>=0D=0A<DIV><FONT color=3D#ff0000 s=
ize=3D2><SPAN class=3D300395314-13122007><STRONG><SPAN =0D=0Aclass=3D435343=
018-02112008></SPAN></STRONG></SPAN></FONT>&nbsp;</DIV>=0D=0A<DIV><FONT col=
or=3D#0000ff size=3D2><SPAN class=3D300395314-13122007><STRONG><FONT =0D=0A=
color=3D#ff0000>Exclusive for Chamber&nbsp;<SPAN class=3D689245301-24062008=
>of =0D=0ACommerce </SPAN>Members Only!<SPAN class=3D435343018-02112008> Th=
e Real =0D=0Afacts!</SPAN></FONT></STRONG></SPAN></DIV>=0D=0A<DIV>=0D=0A<DI=
V><SPAN class=3D300395314-13122007><STRONG></STRONG></SPAN>&nbsp;</DIV>=0D=
=0A<DIV>=0D=0A<DIV align=3Dleft>=0D=0A<DIV align=3Dleft><SPAN class=3D30039=
5314-13122007><FONT size=3D+0><SPAN =0D=0Aclass=3D398070915-13122007><FONT =
size=3D2><STRONG><FONT size=3D3><SPAN =0D=0Aclass=3D689245301-24062008>F</S=
PAN>ace to&nbsp;<SPAN =0D=0Aclass=3D689245301-24062008>F</SPAN>ace</FONT> C=
ard Present Retailers<SPAN =0D=0Aclass=3D161315902-22022008>&nbsp;<FONT siz=
e=3D3><SPAN =0D=0Aclass=3D689245301-24062008>E</SPAN>lectronically&nbsp;swi=
ped</FONT> =0D=0Acards</SPAN></STRONG></FONT></SPAN></FONT></SPAN></DIV>=0D=
=0A<DIV align=3Dleft><SPAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D3=
98070915-13122007><STRONG><SPAN class=3D448201823-17022008>TD</SPAN>Visa =
=0D=0A<SPAN class=3D246484014-17092008>1=2E68%<SPAN =0D=0Aclass=3D252410116=
-15102008>,</SPAN></SPAN>&nbsp;<SPAN =0D=0Aclass=3D448201823-17022008>First=
 Data </SPAN>Mastercard 1=2E79% Debit =2E09 cents =0D=0A</STRONG></SPAN></S=
PAN></DIV>=0D=0A<DIV align=3Dleft><SPAN class=3D300395314-13122007><SPAN =
=0D=0Aclass=3D398070915-13122007></SPAN></SPAN>&nbsp;</DIV>=0D=0A<DIV align=
=3Dleft><SPAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D398070915-1312=
2007><SPAN class=3D689245301-24062008><FONT =0D=0Asize=3D2><STRONG><SPAN cl=
ass=3D161315902-22022008><FONT size=3D3>NON&nbsp; =0D=0Aswiped</FONT> cards=
</SPAN></STRONG></FONT></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV align=3Dleft><=
SPAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D398070915-13122007><STR=
ONG><SPAN class=3D161315902-22022008>TD</SPAN>Visa =0D=0A2=2E19%&nbsp;<SPAN=
 class=3D161315902-22022008>First Data </SPAN>Mastercard 2=2E<SPAN =0D=0Acl=
ass=3D777364022-14102008>07</SPAN>%&nbsp;</STRONG></SPAN></SPAN></DIV>=0D=
=0A<DIV align=3Dleft><SPAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D3=
98070915-13122007><STRONG></STRONG></SPAN></SPAN>&nbsp;</DIV>=0D=0A<DIV ali=
gn=3Dleft><SPAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D398070915-13=
122007><SPAN class=3D435343018-02112008><STRONG>FIV Terminal =0D=0Adial up =
35=2E00 / month</STRONG></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV align=3Dleft>=
<SPAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D398070915-13122007><SP=
AN class=3D435343018-02112008><STRONG>FIV Terminal =0D=0Ahighspeed 41=2E00/=
 month</STRONG></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV align=3Dleft><SPAN cla=
ss=3D300395314-13122007><SPAN =0D=0Aclass=3D398070915-13122007><SPAN class=
=3D435343018-02112008><STRONG>FV Wireless =0D=0Aterminals available for Mob=
ile Businesses</STRONG></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV align=3Dleft><=
SPAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D398070915-13122007><SPA=
N class=3D435343018-02112008><STRONG>Merchant PC, a =0D=0Acomputer based so=
lution&nbsp;( ideal for small business with minimal =0D=0Atransactions)</ST=
RONG></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV align=3Dleft><SPAN class=3D30039=
5314-13122007><SPAN =0D=0Aclass=3D398070915-13122007><STRONG>=0D=0A<DIV ali=
gn=3Dleft><SPAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D398070915-13=
122007><SPAN class=3D435343018-02112008><STRONG>NO PAPER Rate =0D=0Aprogram=
s&nbsp; available ( as all transaction must be processed electronically =0D=
=0Aeither keyed or swiped)</STRONG></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV al=
ign=3Dleft><SPAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D398070915-1=
3122007><SPAN =0D=0Aclass=3D435343018-02112008></SPAN></SPAN></SPAN>&nbsp;<=
/DIV></STRONG></SPAN></SPAN></DIV>=0D=0A<DIV align=3Dleft><STRONG><SPAN cla=
ss=3D300395314-13122007><SPAN =0D=0Aclass=3D398070915-13122007></SPAN></SPA=
N><SPAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D398070915-13122007>=
=0D=0A<P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt"><SPAN =0D=0Astyle=
=3D"FONT-SIZE: 14pt; COLOR: navy; FONT-FAMILY: 'Franklin Gothic Medium'; ms=
o-bidi-font-size: 12=2E0pt"><FONT =0D=0Acolor=3D#0000ff size=3D2>&#8230;Vis=
a/Mastercard <SPAN =0D=0Astyle=3D"mso-spacerun: yes">&nbsp;</SPAN>Discount =
rate applies to <STRONG>Any =0D=0A</STRONG>size transaction</FONT></SPAN></=
P>=0D=0A<P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt"><SPAN =0D=0Astyl=
e=3D"FONT-SIZE: 14pt; COLOR: navy; FONT-FAMILY: 'Franklin Gothic Medium'; m=
so-bidi-font-size: 12=2E0pt"><FONT =0D=0Asize=3D2><FONT color=3D#0000ff>&nb=
sp;&#8230;No additional Per transaction =0D=0Acharges<o:p></o:p></FONT></FO=
NT></SPAN></P>=0D=0A<P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt"><FON=
T color=3D#0000ff size=3D1><SPAN =0D=0Astyle=3D"FONT-SIZE: 14pt; COLOR: nav=
y; FONT-FAMILY: 'Franklin Gothic Medium'; mso-bidi-font-size: 12=2E0pt"></S=
PAN></FONT></P>=0D=0A<P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt"><SP=
AN =0D=0Astyle=3D"FONT-SIZE: 8pt; COLOR: navy; FONT-FAMILY: 'Franklin Gothi=
c Medium'"><FONT =0D=0Asize=3D1><FONT color=3D#0000ff><SPAN =0D=0Astyle=3D"=
mso-spacerun: yes">&nbsp;</SPAN><o:p></o:p></FONT></FONT></SPAN></P>=0D=0A<=
P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt"><SPAN =0D=0Astyle=3D"FONT=
-SIZE: 10pt; COLOR: navy; FONT-FAMILY: 'Franklin Gothic Medium'"><STRONG><S=
PAN =0D=0Astyle=3D"mso-spacerun: yes">&nbsp;&nbsp;&nbsp;</SPAN>Example<SPAN=
 =0D=0Aclass=3D435343018-02112008> of a total transaction cost with =0D=0AT=
D/FD</SPAN></STRONG></SPAN></P>=0D=0A<P class=3DMsoNormal style=3D"MARGIN: =
0in 0in 0pt"><SPAN><FONT color=3D#000080><FONT =0D=0Asize=3D2><SPAN class=
=3D435343018-02112008><FONT =0D=0Aface=3D"Franklin Gothic Medium"><STRONG>&=
nbsp;</STRONG><FONT =0D=0Aface=3DArial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></FONT></SPAN>$100=
=2E00 =0D=0A<B style=3D"mso-bidi-font-weight: normal">Visa Swiped</B> Trans=
 x 1=2E69% +=2E06 visa =0D=0Aasses fee =3D $1=2E75<SPAN class=3D435343018-0=
2112008> ( effective rate =0D=0A1=2E75%)</SPAN></FONT></FONT></SPAN></P>=0D=
=0A<P class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt"><SPAN =0D=0Astyle=3D"=
FONT-SIZE: 10pt; COLOR: navy; FONT-FAMILY: 'Franklin Gothic Medium'"><SPAN =
=0D=0Astyle=3D"mso-spacerun: yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp=
;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; =0D=0A<=
/SPAN><SPAN style=3D"mso-spacerun: yes">&nbsp;&nbsp;</SPAN>$100=2E00 <B =0D=
=0Astyle=3D"mso-bidi-font-weight: normal">MC Swiped</B><SPAN =0D=0Astyle=3D=
"mso-spacerun: yes">&nbsp; </SPAN>Trans x 1=2E79 =3D $1=2E79<SPAN =0D=0Acla=
ss=3D435343018-02112008>( effective rate 1=2E79%)</SPAN></SPAN></P>=0D=0A<P=
 class=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt"><SPAN =0D=0Astyle=3D"FONT-=
SIZE: 10pt; COLOR: navy; FONT-FAMILY: 'Franklin Gothic Medium'"><SPAN =0D=
=0Astyle=3D"mso-spacerun: yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&n=
bsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; =0D=0A</SP=
AN><SPAN style=3D"mso-spacerun: yes">&nbsp;&nbsp;</SPAN>$100=2E00 <B =0D=0A=
style=3D"mso-bidi-font-weight: normal">Visa NON swiped</B> <SPAN =0D=0Astyl=
e=3D"mso-spacerun: yes">&nbsp;</SPAN>x1=2E69 +=2E50bp<SPAN =0D=0Aclass=3D04=
7073800-02112008> </SPAN>( non qualifying&nbsp;<SPAN =0D=0Aclass=3D04707380=
0-02112008>fee) </SPAN>&nbsp;+ =2E06 asses=3D$2=2E35&nbsp;<SPAN =0D=0Aclass=
=3D435343018-02112008>( effective rate 2=2E35%)</SPAN></SPAN></P>=0D=0A<P c=
lass=3DMsoNormal style=3D"MARGIN: 0in 0in 0pt"><SPAN =0D=0Astyle=3D"FONT-SI=
ZE: 10pt; COLOR: navy; FONT-FAMILY: 'Franklin Gothic Medium'"><o:p><SPAN =
=0D=0Aclass=3D047073800-02112008>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb=
sp; =0D=0A$100=2E00 MC <STRONG>NON Swiped</STRONG> x 1=2E79 + =2E28 bps (no=
n qualifying fee)=3D =0D=0A$2=2E07<SPAN class=3D435343018-02112008>( effect=
ive rate =0D=0A2=2E07%)</SPAN></SPAN></o:p></SPAN></P><SPAN =0D=0Astyle=3D"=
FONT-SIZE: 10pt; COLOR: navy; FONT-FAMILY: 'Franklin Gothic Medium'; mso-fa=
reast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast=
-language: EN-US; mso-bidi-language: AR-SA; mso-bidi-font-family: 'Times Ne=
w Roman'"><SPAN =0D=0Astyle=3D"mso-spacerun: yes"><FONT =0D=0Acolor=3D#0000=
ff>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;</FONT></SPAN></SPAN></SPAN></SPAN></STRONG></DIV>=0D=0A<=
DIV align=3Dleft><SPAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D39807=
0915-13122007><STRONG><FONT color=3D#ff0000>O</FONT><SPAN =0D=0Aclass=3D161=
315902-22022008><FONT color=3D#ff0000>ther Fees:&nbsp;</FONT> =0D=0A</SPAN>=
</STRONG></SPAN></SPAN></DIV>=0D=0A<DIV align=3Dleft><SPAN class=3D30039531=
4-13122007><SPAN =0D=0Aclass=3D398070915-13122007><SPAN class=3D161315902-2=
2022008></SPAN><SPAN =0D=0Aclass=3D161315902-22022008><STRONG><SPAN class=
=3D831230015-02112008>Visa =0D=0A</SPAN>Corporate Commercial Card Rate =2E3=
0%,&nbsp;<SPAN =0D=0Aclass=3D689245301-24062008>Visa Infinite Card =2E<SPAN=
 =0D=0Aclass=3D777364022-14102008>3</SPAN>0%/,<SPAN class=3D831230015-02112=
008> Mastercard =0D=0ACorporate and high spend Card Rate =2E56bps,<SPAN =0D=
=0Aclass=3D131361015-02112008>Mastercard </SPAN></SPAN>Foreign fee =0D=0A=
=2E30%,&nbsp;</SPAN></STRONG></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV align=3D=
left><SPAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D398070915-1312200=
7><SPAN class=3D161315902-22022008><STRONG><SPAN =0D=0Aclass=3D689245301-24=
062008><SPAN class=3D281332922-18082008>Visa Assesment fee =0D=0A=2E0<SPAN =
class=3D777364022-14102008>6</SPAN>%<SPAN class=3D246484014-17092008> =0D=
=0A</SPAN></SPAN></SPAN></STRONG></SPAN></SPAN></SPAN><SPAN =0D=0Aclass=3D3=
00395314-13122007><SPAN class=3D398070915-13122007><SPAN =0D=0Aclass=3D1613=
15902-22022008><STRONG><SPAN class=3D689245301-24062008>I</SPAN>DP =0D=0ASe=
ttlement Fee =2E09 daily<SPAN =0D=0Aclass=3D830515415-15102008>,</SPAN></ST=
RONG></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV align=3Dleft><SPAN class=3D30039=
5314-13122007><SPAN =0D=0Aclass=3D398070915-13122007><SPAN class=3D16131590=
2-22022008><STRONG><SPAN =0D=0Aclass=3D830515415-15102008></SPAN>Monthly Mi=
nimum 10=2E00Visa, and 10=2E00 Mastercard, =0D=0A</STRONG></SPAN></SPAN></S=
PAN></DIV>=0D=0A<DIV align=3Dleft><SPAN class=3D300395314-13122007><SPAN =
=0D=0Aclass=3D398070915-13122007><SPAN class=3D161315902-22022008><STRONG>C=
harge Back fee( =0D=0Aretail )10=2E00 Visa/10=2E00Mastercard, 12=2E00 per Y=
ear Manual Imprinter Rental<SPAN =0D=0Aclass=3D547245201-24062008> ,</SPAN>=
</STRONG></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV align=3Dleft><SPAN class=3D3=
00395314-13122007><SPAN =0D=0Aclass=3D398070915-13122007><SPAN class=3D1613=
15902-22022008><SPAN =0D=0Aclass=3D547245201-24062008><STRONG>Deposit to Bu=
siness Bank of your choice ( other =0D=0Athan TD) 5=2E00 per month Visa&nbs=
p;<SPAN class=3D689245301-24062008>an</SPAN>d 5=2E00 =0D=0Aper month Master=
card</STRONG></SPAN></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV align=3Dleft><SPA=
N class=3D300395314-13122007><SPAN =0D=0Aclass=3D398070915-13122007><FONT s=
ize=3D+0><FONT size=3D+0><FONT size=3D2><SPAN =0D=0Aclass=3D161315902-22022=
008><STRONG><FONT color=3D#ff0000>Fees Waived:</FONT> =0D=0A</STRONG></SPAN=
></FONT></FONT></FONT></SPAN></SPAN></DIV>=0D=0A<DIV align=3Dleft><SPAN cla=
ss=3D300395314-13122007><SPAN =0D=0Aclass=3D398070915-13122007><SPAN class=
=3D161315902-22022008><STRONG><SPAN =0D=0Aclass=3D831230015-02112008>Applic=
ati<SPAN class=3D131361015-02112008>o</SPAN>n =0D=0AFees,</SPAN>Visa /Maste=
rcard Annual fees, Non Visa Mastercard transaction fees, =0D=0A7=2E95 month=
ly fee,&nbsp;</STRONG></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV align=3Dleft><S=
PAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D398070915-13122007><SPAN=
 class=3D161315902-22022008><STRONG><SPAN =0D=0Aclass=3D777364022-14102008>=
5=2E00 Mastercard monthly fee, mastercard </SPAN>non =0D=0Aachiev<SPAN clas=
s=3D777364022-14102008>er </SPAN>fee,<SPAN =0D=0Aclass=3D777364022-14102008=
> </SPAN>additonal keyed transaction fee,mastercard =0D=0Atransaction fee,&=
nbsp;training and installation fees for terminal<SPAN =0D=0Aclass=3D7773640=
22-14102008>,</SPAN></STRONG></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV align=3D=
left><SPAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D398070915-1312200=
7><SPAN class=3D161315902-22022008><STRONG><SPAN =0D=0Aclass=3D777364022-14=
102008></SPAN></STRONG></SPAN></SPAN></SPAN>&nbsp;</DIV>=0D=0A<DIV align=3D=
left><SPAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D398070915-1312200=
7><SPAN class=3D161315902-22022008><STRONG><SPAN =0D=0Aclass=3D777364022-14=
102008></SPAN></STRONG></SPAN></SPAN></SPAN><SPAN =0D=0Aclass=3D300395314-1=
3122007><SPAN class=3D398070915-13122007><SPAN =0D=0Aclass=3D161315902-2202=
2008><STRONG><SPAN class=3D777364022-14102008><SPAN =0D=0Aclass=3D435343018=
-02112008><FONT size=3D3>If you have any question Please feel free =0D=0Ato=
 contact me!</FONT></SPAN></SPAN></STRONG></SPAN></SPAN></SPAN></DIV>=0D=0A=
<DIV align=3Dleft><SPAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D3980=
70915-13122007><SPAN class=3D161315902-22022008><STRONG><SPAN =0D=0Aclass=
=3D777364022-14102008><SPAN class=3D435343018-02112008><FONT =0D=0Asize=3D3=
></FONT></SPAN></SPAN></STRONG></SPAN></SPAN></SPAN>&nbsp;</DIV>=0D=0A<DIV =
align=3Dleft><SPAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D398070915=
-13122007><SPAN class=3D161315902-22022008><STRONG><SPAN =0D=0Aclass=3D7773=
64022-14102008><SPAN class=3D435343018-02112008><FONT color=3D#000080>Now =
=0D=0Athe rest of the =0D=0Ainformation:</FONT></SPAN></SPAN></STRONG></SPA=
N></SPAN></SPAN></DIV>=0D=0A<DIV align=3Dleft><SPAN class=3D300395314-13122=
007><SPAN =0D=0Aclass=3D398070915-13122007><SPAN class=3D161315902-22022008=
><STRONG><SPAN =0D=0Aclass=3D777364022-14102008></SPAN></STRONG></SPAN></SP=
AN></SPAN>&nbsp;</DIV>=0D=0A<DIV align=3Dleft><SPAN class=3D300395314-13122=
007><SPAN =0D=0Aclass=3D398070915-13122007><SPAN class=3D161315902-22022008=
><STRONG><SPAN =0D=0Aclass=3D777364022-14102008><SPAN =0D=0Aclass=3D8305154=
15-15102008></SPAN></SPAN></STRONG></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV al=
ign=3Dleft><SPAN class=3D300395314-13122007><STRONG><SPAN =0D=0Aclass=3D435=
343018-02112008><FONT color=3D#ff0000>Here is some info that assists in" =
=0D=0AMaking Sense of it all"</FONT></SPAN></STRONG></SPAN></DIV></FONT></D=
IV></DIV>=0D=0A<DIV align=3Dleft><SPAN class=3D777364022-14102008><FONT col=
or=3D#0000ff =0D=0Asize=3D2><STRONG><FONT color=3D#ff0000>Some answers to&n=
bsp;questions&nbsp; =0D=0Aregarding the industry changes:</FONT></STRONG></=
FONT></SPAN></DIV>=0D=0A<DIV align=3Dleft><FONT face=3DSystem color=3D#0000=
80>=0D=0A<DIV><SPAN class=3D300395314-13122007><SPAN class=3D689245301-2406=
2008>=0D=0A<DIV><SPAN class=3D300395314-13122007><SPAN class=3D398070915-13=
122007><SPAN =0D=0Aclass=3D161315902-22022008><SPAN class=3D689245301-24062=
008><STRONG><FONT =0D=0Aface=3DArial><FONT size=3D2><SPAN class=3D316104617=
-11092008>As you are no doubt aware =0D=0A</SPAN>Visa and Mastercard&nbsp;a=
djusted the rates in April and many providers =0D=0Apassed these increases =
on to their Merchants&nbsp;<SPAN =0D=0Aclass=3D246484014-17092008>and the<S=
PAN class=3D777364022-14102008>re was =0D=0Aanother&nbsp; Visa increase on =
Oct 01<SPAN class=3D435343018-02112008>, 2008 with =0D=0Amore changes &nbsp=
;we are told coming in the months =0D=0Aahead=2E</SPAN></SPAN></SPAN></FONT=
></FONT></STRONG></SPAN></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV><SPAN class=
=3D300395314-13122007><SPAN class=3D398070915-13122007><SPAN =0D=0Aclass=3D=
161315902-22022008><SPAN class=3D689245301-24062008><FONT face=3DArial =0D=
=0Asize=3D2><SPAN class=3D246484014-17092008><STRONG>These&nbsp;increases a=
re in direct =0D=0Acorrelation to Visa&nbsp;<SPAN class=3D831230015-0211200=
8>&amp; Mastercard =0D=0A</SPAN>Canada&nbsp;raising the rates&nbsp;( known =
as interchange) to ALL =0D=0AMerchant Acquirers who then pass these increas=
es on to you the =0D=0Amerchant=2E</STRONG></SPAN></FONT></SPAN></SPAN></SP=
AN></SPAN></DIV>=0D=0A<DIV><SPAN class=3D300395314-13122007><SPAN class=3D3=
98070915-13122007><SPAN =0D=0Aclass=3D161315902-22022008><SPAN class=3D6892=
45301-24062008><FONT face=3DArial =0D=0Asize=3D2><SPAN class=3D246484014-17=
092008><SPAN class=3D435343018-02112008><STRONG>( =0D=0Aregard it if you wi=
ll like a supplier raising the cost of goods the merchant =0D=0Athen has to=
 pass this increased cost on to their =0D=0Acustomer)</STRONG></SPAN></SPAN=
></FONT></SPAN></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV><SPAN class=3D30039531=
4-13122007><SPAN class=3D398070915-13122007><SPAN =0D=0Aclass=3D161315902-2=
2022008><SPAN class=3D689245301-24062008><FONT face=3DArial =0D=0Asize=3D2>=
<SPAN class=3D246484014-17092008><STRONG>One of the reasons for these =0D=
=0Aincreases is that Visa Canada became a publically traded =0D=0Acompany=
=2E</STRONG></SPAN></FONT></SPAN></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV><SPA=
N class=3D300395314-13122007><SPAN class=3D398070915-13122007><SPAN =0D=0Ac=
lass=3D161315902-22022008><SPAN class=3D689245301-24062008><SPAN =0D=0Aclas=
s=3D246484014-17092008><STRONG><FONT face=3DArial><FONT size=3D2>Some Merch=
ant =0D=0AAcquirers are using these increases in&nbsp;Interchange to over c=
harge and =0D=0AInflate the actual cost they are incurring and pass these i=
nflated costs =0D=0Aon&nbsp;toYou the Merchant<SPAN class=3D435343018-02112=
008> and to confuse the =0D=0Asituation with industry lingo in hopes that t=
he merchant will not understand =0D=0Awhat it is truly costing =0D=0Athem</=
SPAN></FONT></FONT></STRONG></SPAN></SPAN></SPAN></SPAN></SPAN></DIV>=0D=0A=
<DIV><SPAN class=3D300395314-13122007><SPAN class=3D398070915-13122007><SPA=
N =0D=0Aclass=3D161315902-22022008><SPAN class=3D689245301-24062008><FONT f=
ace=3DArial =0D=0Asize=3D2><SPAN =0D=0Aclass=3D246484014-17092008></SPAN></=
FONT></SPAN></SPAN></SPAN></SPAN>&nbsp;</DIV>=0D=0A<DIV><SPAN class=3D30039=
5314-13122007><SPAN class=3D398070915-13122007><FONT =0D=0Aface=3DArial siz=
e=3D2><SPAN class=3D161315902-22022008><SPAN =0D=0Aclass=3D689245301-240620=
08><STRONG>Many Providers are still offering Great Flash =0D=0ARates but ch=
arge&nbsp; many other =0D=0Afees=2E=2E=2E</STRONG></SPAN></SPAN></FONT></SP=
AN></SPAN></DIV>=0D=0A<DIV><SPAN class=3D300395314-13122007><SPAN class=3D3=
98070915-13122007><SPAN =0D=0Aclass=3D161315902-22022008><SPAN class=3D6892=
45301-24062008><FONT face=3DArial =0D=0Asize=3D2><STRONG>These additonal fe=
es can increase the actual effective =0D=0Arate&nbsp;<SPAN class=3D43534301=
8-02112008>they</SPAN> are paying which of course =0D=0Adecreases&nbsp;<SPA=
N class=3D131361015-02112008>their </SPAN>net profits=2E =0D=0A</STRONG></F=
ONT>=0D=0A<DIV><SPAN class=3D300395314-13122007><SPAN class=3D398070915-131=
22007><SPAN =0D=0Aclass=3D161315902-22022008><SPAN class=3D689245301-240620=
08><STRONG><FONT face=3DArial =0D=0Asize=3D2>Statements are confusing and&n=
bsp;it can be&nbsp;hard to figure out all =0D=0Athe addional fees&nbsp;and&=
nbsp;<SPAN class=3D131361015-02112008>the </SPAN>actual =0D=0Acredit card p=
rocessing costs=2E</FONT></STRONG></SPAN></SPAN></SPAN></SPAN><SPAN =0D=0Ac=
lass=3D300395314-13122007><SPAN class=3D398070915-13122007><SPAN =0D=0Aclas=
s=3D161315902-22022008><SPAN class=3D689245301-24062008><SPAN =0D=0Aclass=
=3D246484014-17092008></SPAN></SPAN></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV><=
SPAN class=3D300395314-13122007><SPAN class=3D398070915-13122007><SPAN =0D=
=0Aclass=3D161315902-22022008><SPAN class=3D689245301-24062008>=0D=0A<DIV><=
SPAN class=3D300395314-13122007><SPAN class=3D398070915-13122007><SPAN =0D=
=0Aclass=3D161315902-22022008><SPAN class=3D689245301-24062008><STRONG><FON=
T =0D=0Aface=3DArial><FONT size=3D2>Also&nbsp;<SPAN class=3D131361015-02112=
008>their =0D=0A</SPAN>&nbsp;current financial institution&nbsp;<SPAN class=
=3D316104617-11092008>( =0D=0ARoyal/HSBC/BMO/CIBC/Nova Scotia) </SPAN>may b=
e charging&nbsp;<SPAN =0D=0Aclass=3D131361015-02112008>them</SPAN> for POS =
activity<SPAN =0D=0Aclass=3D131361015-02112008> ie: </SPAN>&nbsp;batch out =
fees,&nbsp;and per =0D=0Atransaction charges, increasing once again&nbsp;<S=
PAN =0D=0Aclass=3D131361015-02112008>the </SPAN>cost to process these Visa =
Mastercard and =0D=0ADebit transactions<SPAN class=3D316104617-11092008>=2E=
=2EIf this is the case<SPAN =0D=0Aclass=3D131361015-02112008>, </SPAN>&nbsp=
;we </SPAN><SPAN =0D=0Aclass=3D316104617-11092008>&nbsp;have a simple solut=
ion to make these<SPAN =0D=0Aclass=3D343305117-11092008> additional bank </=
SPAN>&nbsp;fees =0D=0Adisappear=2E</SPAN></FONT></FONT></STRONG></SPAN></SP=
AN></SPAN></SPAN></DIV>=0D=0A<DIV><SPAN class=3D300395314-13122007><SPAN cl=
ass=3D398070915-13122007><SPAN =0D=0Aclass=3D161315902-22022008><SPAN class=
=3D689245301-24062008><FONT face=3DArial =0D=0Asize=3D2><SPAN =0D=0Aclass=
=3D316104617-11092008></SPAN></FONT></SPAN></SPAN></SPAN></SPAN>&nbsp;</DIV=
></SPAN></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV><SPAN class=3D300395314-13122=
007><SPAN class=3D398070915-13122007><SPAN =0D=0Aclass=3D161315902-22022008=
><SPAN class=3D689245301-24062008><SPAN =0D=0Aclass=3D246484014-17092008><F=
ONT face=3DArial color=3D#ff0000 size=3D2><STRONG>So How =0D=0Ado<SPAN clas=
s=3D131361015-02112008>es</SPAN>&nbsp; the merchant keep&nbsp;<SPAN =0D=0Ac=
lass=3D131361015-02112008>their</SPAN> costs for Processing down with all t=
hese =0D=0Achanges?</STRONG></FONT></SPAN></SPAN></SPAN></SPAN></SPAN></DIV=
>=0D=0A<DIV><SPAN class=3D300395314-13122007><SPAN class=3D398070915-131220=
07><SPAN =0D=0Aclass=3D161315902-22022008><SPAN class=3D689245301-24062008>=
<SPAN =0D=0Aclass=3D246484014-17092008><FONT =0D=0Asize=3D2></FONT></SPAN><=
/SPAN></SPAN></SPAN></SPAN>&nbsp;</DIV>=0D=0A<DIV><SPAN class=3D300395314-1=
3122007><SPAN class=3D398070915-13122007><SPAN =0D=0Aclass=3D161315902-2202=
2008><SPAN class=3D689245301-24062008>=0D=0A<DIV><FONT face=3DArial><FONT s=
ize=3D2><SPAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D398070915-1312=
2007><SPAN class=3D161315902-22022008><SPAN =0D=0Aclass=3D689245301-2406200=
8><SPAN class=3D246484014-17092008><STRONG>If&nbsp;<SPAN =0D=0Aclass=3D1313=
61015-02112008>they </SPAN>would like me to walk&nbsp;<SPAN =0D=0Aclass=3D1=
31361015-02112008>them</SPAN> through&nbsp;&nbsp;<SPAN =0D=0Aclass=3D131361=
015-02112008>their </SPAN>&nbsp;current Statement to&nbsp;see =0D=0Aif&nbsp=
;<SPAN class=3D131361015-02112008>they </SPAN>have any of these<SPAN =0D=0A=
class=3D131361015-02112008> additional </SPAN>fees,&nbsp;<SPAN =0D=0Aclass=
=3D131361015-02112008>They can </SPAN>contact m<SPAN =0D=0Aclass=3D43534301=
8-02112008>e </SPAN>or&nbsp;<SPAN class=3D131361015-02112008>they =0D=0A</S=
PAN>can fax&nbsp;<SPAN class=3D131361015-02112008>their statement </SPAN>to=
 the =0D=0Anumber below=2E&nbsp;The benefit to&nbsp;<SPAN class=3D131361015=
-02112008>them =0D=0A</SPAN>taking advantage of my&nbsp;<SPAN class=3D97558=
0919-19092008>7+ years of =0D=0AMerchant Service Industry </SPAN>expertise =
is that&nbsp;<SPAN =0D=0Aclass=3D131361015-02112008>they</SPAN> get to see =
for&nbsp;<SPAN =0D=0Aclass=3D131361015-02112008>themselves </SPAN>&nbsp;if&=
nbsp;<SPAN =0D=0Aclass=3D131361015-02112008>they </SPAN>&nbsp;are paying to=
o =0D=0Amuch&nbsp;=2E</STRONG></SPAN></SPAN></SPAN></SPAN></SPAN></FONT></F=
ONT></DIV>=0D=0A<DIV><FONT face=3DArial><FONT size=3D2><SPAN class=3D300395=
314-13122007><SPAN =0D=0Aclass=3D398070915-13122007><SPAN class=3D161315902=
-22022008><SPAN =0D=0Aclass=3D689245301-24062008><SPAN class=3D246484014-17=
092008><STRONG><SPAN =0D=0Aclass=3D921000619-19092008>T</SPAN></STRONG></SP=
AN></SPAN></SPAN></SPAN></SPAN><SPAN =0D=0Aclass=3D300395314-13122007><SPAN=
 class=3D398070915-13122007><SPAN =0D=0Aclass=3D161315902-22022008><SPAN cl=
ass=3D689245301-24062008><SPAN =0D=0Aclass=3D246484014-17092008><STRONG>his=
 is a free service that I provide<SPAN =0D=0Aclass=3D638503317-18092008>&nb=
sp; in order to help&nbsp;<SPAN =0D=0Aclass=3D131361015-02112008>them&nbsp;=
<SPAN =0D=0Aclass=3D435343018-02112008>"</SPAN></SPAN>&nbsp;<SPAN =0D=0Acla=
ss=3D435343018-02112008>M</SPAN>ake&nbsp;<SPAN =0D=0Aclass=3D435343018-0211=
2008>S</SPAN>ense of it&nbsp;<SPAN =0D=0Aclass=3D435343018-02112008>A</SPAN=
>ll<SPAN =0D=0Aclass=3D435343018-02112008>"</SPAN>=2E</SPAN></STRONG></SPAN=
></SPAN></SPAN></SPAN></SPAN></FONT></FONT></DIV>=0D=0A<DIV><SPAN class=3D3=
00395314-13122007><SPAN class=3D398070915-13122007><SPAN =0D=0Aclass=3D1613=
15902-22022008><SPAN class=3D689245301-24062008><FONT face=3DArial =0D=0Aco=
lor=3D#0000ff =0D=0Asize=3D2></FONT></SPAN></SPAN></SPAN></SPAN>&nbsp;</DIV=
></SPAN></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV><SPAN class=3D300395314-13122=
007><SPAN class=3D398070915-13122007><SPAN =0D=0Aclass=3D161315902-22022008=
><SPAN class=3D689245301-24062008><SPAN =0D=0Aclass=3D316104617-11092008><S=
TRONG><FONT face=3DArial><FONT size=3D2><SPAN =0D=0Aclass=3D131361015-02112=
008>TD Visa /First Data Mastercard&nbsp;</SPAN><SPAN =0D=0Aclass=3D69750131=
9-19092008>have been a Trusted Merchant Service Benefit provider =0D=0Afor =
the Chamber of Commerce across Canada for the past 9 years=2E<SPAN =0D=0Acl=
ass=3D590083919-02112008> This </SPAN>Merchant Service </SPAN>Program&nbsp;=
<SPAN =0D=0Aclass=3D246484014-17092008>CAN and&nbsp;DOES</SPAN>&nbsp;redu<S=
PAN =0D=0Aclass=3D250085017-11092008>ce</SPAN> some of these fees&nbsp;<SPA=
N =0D=0Aclass=3D590083919-02112008> dramatically </SPAN>and make other fees=
&nbsp;just go =0D=0Aaway<SPAN =0D=0Aclass=3D246484014-17092008>=2E</SPAN></=
FONT></FONT></STRONG></SPAN></SPAN></SPAN></SPAN></SPAN></DIV>=0D=0A<DIV><S=
PAN class=3D300395314-13122007><SPAN class=3D398070915-13122007><FONT =0D=
=0Aface=3DArial size=3D2><SPAN class=3D161315902-22022008><SPAN =0D=0Aclass=
=3D689245301-24062008></SPAN></SPAN></FONT></SPAN></SPAN>&nbsp;</DIV></SPAN=
></SPAN></SPAN></SPAN></DIV></SPAN></SPAN></DIV></DIV>=0D=0A<DIV align=3Dle=
ft><SPAN class=3D300395314-13122007><STRONG><FONT face=3DArial =0D=0Asize=
=3D2></FONT></STRONG></SPAN>&nbsp;</DIV>=0D=0A<DIV align=3Dleft><SPAN class=
=3D300395314-13122007><STRONG><FONT face=3DArial><FONT =0D=0Asize=3D2><SPAN=
 class=3D830515415-15102008>Make it a Great =0D=0ADay!</SPAN></FONT></FONT>=
</STRONG></SPAN></DIV>=0D=0A<DIV align=3Dleft><SPAN class=3D300395314-13122=
007><STRONG><FONT face=3DArial><FONT =0D=0Asize=3D2><SPAN =0D=0Aclass=3D830=
515415-15102008></SPAN></FONT></FONT></STRONG></SPAN>&nbsp;</DIV>=0D=0A<DIV=
 align=3Dleft><SPAN class=3D300395314-13122007><SPAN =0D=0Aclass=3D16131590=
2-22022008><FONT face=3DArial =0D=0Asize=3D2><EM><STRONG></STRONG></EM></FO=
NT></SPAN></SPAN></DIV>=0D=0A<DIV align=3Dleft><SPAN class=3D300395314-1312=
2007><STRONG><EM><FONT =0D=0Aface=3DArial><FONT size=3D2><SPAN class=3D4353=
43018-02112008>"</SPAN>I believe that =0D=0AGetting Paid for your Products =
or Service is Important=2E=2EKeeping&nbsp;<SPAN =0D=0Aclass=3D435343018-021=
12008>Your </SPAN>Profits Equally important<SPAN =0D=0Aclass=3D435343018-02=
112008> =2E"</SPAN></FONT></FONT></EM></STRONG></SPAN></DIV>=0D=0A<DIV alig=
n=3Dleft><SPAN class=3D300395314-13122007><STRONG><EM><FONT =0D=0Aface=3DAr=
ial><FONT size=3D2><SPAN =0D=0Aclass=3D435343018-02112008></SPAN></FONT></F=
ONT></EM></STRONG></SPAN>&nbsp;</DIV></FONT>=0D=0A<DIV><SPAN =0D=0Astyle=3D=
"FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman'; mso-fareast-font-family: =
'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; m=
so-bidi-language: AR-SA"><IMG =0D=0Aheight=3D168 src=3D"cid:703150704@29072=
008-2EF0" width=3D141 v:shapes=3D"_x0000_i1025"> =0D=0A</SPAN></DIV></DIV>=
=0D=0A<DIV align=3Dleft><STRONG><FONT face=3DSystem color=3D#000080 size=3D=
2>Sanata L=2E =0D=0AMartin</FONT></STRONG></DIV>=0D=0A<DIV align=3Dleft><ST=
RONG><FONT face=3DSystem color=3D#000080 size=3D2>Senior Account =0D=0AExec=
utive</FONT></STRONG></DIV>=0D=0A<DIV align=3Dleft><STRONG><FONT face=3DSys=
tem color=3D#000080 size=3D2>TD Visa/FD =0D=0AMastercard</FONT></STRONG></D=
IV>=0D=0A<DIV align=3Dleft><STRONG><FONT face=3DSystem color=3D#000080 size=
=3D2>Masters Club 100% =0D=0APlatinum</FONT></STRONG></DIV>=0D=0A<DIV align=
=3Dleft><STRONG><FONT face=3DSystem color=3D#000080 size=3D2>First Data =0D=
=0AInternational, Canada</FONT></STRONG></DIV>=0D=0A<DIV align=3Dleft><STRO=
NG><FONT face=3DSystem color=3D#000080 size=3D2>250 717 6589 =0D=0Adirect</=
FONT></STRONG></DIV>=0D=0A<DIV align=3Dleft><STRONG><FONT face=3DSystem col=
or=3D#000080 size=3D2>250 862 3781 =0D=0Afax</FONT></STRONG></DIV>=0D=0A<DI=
V align=3Dleft><STRONG><FONT face=3DSystem color=3D#000080 size=3D2>1888 87=
9 4044 ext =0D=0A3635025 message centre</FONT></STRONG></DIV>=0D=0A<DIV ali=
gn=3Dleft><STRONG><FONT face=3DSystem color=3D#000080 =0D=0Asize=3D2></FONT=
></STRONG>&nbsp;</DIV>=0D=0A<DIV align=3Dleft>=0D=0A<DIV><FONT color=3D#000=
080 size=3D2><SPAN class=3D300395314-13122007><STRONG><SPAN =0D=0Aclass=3D4=
35343018-02112008><SPAN class=3D300395314-13122007><STRONG><SPAN =0D=0Aclas=
s=3D435343018-02112008><EM></EM></SPAN></STRONG></SPAN></SPAN></STRONG></SP=
AN></FONT>&nbsp;</DIV></DIV>=0D=0A<DIV align=3Dleft><SPAN class=3D381225713=
-12082008><FONT face=3DSystem color=3D#000080 =0D=0Asize=3D2><STRONG><EM>Sa=
les Excellence Award Winner ( 3 =0D=0Ayears)</EM></STRONG></FONT></SPAN></D=
IV>=0D=0A<DIV align=3Dleft><SPAN class=3D381225713-12082008><STRONG><FONT f=
ace=3DSystem =0D=0Acolor=3D#000080 size=3D2><EM>#1 in Canada Customer Servi=
ce and Sales =0D=0A2007</EM></FONT></STRONG></SPAN></DIV>=0D=0A<DIV align=
=3Dleft><STRONG><FONT face=3DSystem color=3D#000080 =0D=0Asize=3D2></FONT><=
/STRONG>&nbsp;</DIV>=0D=0A<DIV>&nbsp;</DIV></BODY></HTML>=0D=0A=0D=0A<HTML>=
<BODY><P><hr size=3D1></P>=0D=0A<P><STRONG>=0D=0AThe information in this me=
ssage may be proprietary and/or confidential, and protected from disclosure=
=2E  If the reader of this message is not the intended recipient, or an emp=
loyee or agent responsible for delivering this message to the intended reci=
pient, you are hereby notified that any dissemination, distribution or copy=
ing of this communication is strictly prohibited=2E If you have received th=
is communication in error, please notify First Data immediately by replying=
 to this message and deleting it from your computer=2E=0D=0A</STRONG></P></=
BODY></HTML>
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--=======AVGMAIL-490E14060000=======
Content-Type: text/plain; x-avg=cert; charset=us-ascii
Content-Transfer-Encoding: quoted-printable
Content-Disposition: inline
Content-Description: "AVG certification"


No virus found in this incoming message.
Checked by AVG - http://www.avg.com 
Version: 8.0.175 / Virus Database: 270.8.5/1762 - Release Date: 11/2/2008 9:=
51 AM

--=======AVGMAIL-490E14060000=======--

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