getnationwide.com American Express Opt Blue

New Competitive Pricing Structure Nationwide Sets (cost plus) Pricing One Statement Overview OptBlue One customer Service Contact for all of the Card Brands

Under $1 million in annual American Express Charge Volume Located in the U.S., but not Puerto Rico, U.S. Virgin Islands, or any other U.S. territory or possession Transact in USD only Under $1 million in annual American Express Charge Volume Located in the U.S., but not Puerto Rico, U.S. Virgin Islands, or any other U.S. territory or possession Transact in USD only Prohibited industries (listed in American Express Program Operating Regulations) Franchises Existing American Express PSP relationships Prohibited industries (listed in American Express Program Operating Regulations) Franchises Existing American Express PSP relationships Merchant Eligibility New Merchants Only Merchants boarded on the Nationwide (TPS) network Eligible merchants, per American Express: Exclusions

Roll Out Schedule OptBlue is scheduled to be rolled out in four phases: Existing merchants who do not currently accept Amex (on the TPS network) 1 Enrollment of newly signed merchants (on the TPS network) 2 Existing Amex ESA acceptors (on the TPS network) Enrollment of merchants processing on the Global, Paynentech, or TSYS networks 4

Merchant Categories Merchants will be classified under one of the following industry categories: Retail Restaurant Service Caterers/Drinking Places Mail Order/eCommerce Healthcare B2B / Wholesale T&E Lodging Other A full list of rates and MCC codes can be found here:

Benefits of Potential for Increased Revenue - Residual Income on Transaction Volume An increased threshold up to $1M in annual American Express Card volume Attract more Merchants with Competitive Pricing Greater Merchant Reach – Expanded Merchant Criterion Improved Merchant Retention Increased Customer loyalty - Greater Spending Power OptBlue Agents

AMEX Card Products When you sign merchants up to accept American Express Cards, you are actually signing them up to accept over 150 different Card products

In 2013, average spend on an American Express Card was more than 3 times that on a non-American Express card, and the average American Express Card transaction was over 70% higher than the average non-American Express credit or charge card transaction. 2 American Express Card Members Spend More 2013 US Average Annual Spend Per Credit or Charge Card US Average Credit or Charge Card Transaction Size 4 Source: Nilson Report #1,034 (February 2014) 1. Spend per card derived as U.S. year-end purchase volume divided by year-end cards in force (CIF). CIF represents the number of cards issued and outstanding with cardholders. Average American Express spend per Card equals $11,926. Average Non-American Express spend per card equals $3,560, and includes Visa, MasterCard and Discover credit and charge card volume and CIF and excludes debit volume and CIF. 2. Transaction Size derived as U.S. year-end purchase volume divided by year-end purchase transactions. Average Non-American Express transaction size equals $83, and includes Visa, MasterCard and Discover credit and charge cards and excludes debit volume and transactions. 3. Spend per card derived as U.S. year-end purchase volume divided by year-end cards in force. Visa and MasterCard averages exclude debit volume and cards in force. 4. Transaction Size derived as U.S. year-end purchase volume divided by year-end purchase transactions. Visa and MasterCard averages exclude debit volume and transactions.