AMENDMENT TO 
THE AMENDED AND RESTATED 2011 RENEWAL SERVICE AGREEMENT
DATED JUNE 30, 2012

This  is  an  amendment  (the  "Amendment"),  effective  January  1,  2016 ("Amendment  Effective 
Date"), to the  Amended and Restated 2011 Renewal Service Agreement, effective as of June 30, 2012
("Amended Agreement"), by  and between ICBA  Bancard, Inc. ("Bancard")  and Fidelity National Card 
Services, Inc. ("FIS").    As  of  the  Amendment  Effective  Date,  the  parties  hereby  agree  to  amend  the 
Amended Agreement as follows.

1.

2.

3.

4.

5.

6.

Term.    Section  2.0 of  the  Amended  Agreement is hereby  amended  to  extend  the  Term  of
the Amended Agreement until December 31, 2021.

Replacement  of  Schedules  for  Program  Services.    Schedules  A, C  and  K  to  the
Amended Agreement shall be deleted in their entirety and replaced with Schedules A, C and
K attached  hereto  and  labeled  “Effective as  of  January  01,  2016”.    For  the  sake  of  clarity,
Schedules  E  and  F  to  the  Amended  Agreement  shall  continue  to  remain  in  effect  for  the
Term of the Amended Agreement (as extended pursuant to Section 1, above).

Chargeback,  Dispute  and  Fraud  Case  Management  Pricing.    Upon  conclusion  of  FIS’
implementation  of  the  Visa  Claim  Resolution  requirements, and  after  FIS  has  had  a
reasonable evaluation period  to  analyze  the  effects,  FIS  will  re-evaluate its  stated  fees  for
the  provision  of  its  chargeback,  dispute  and  fraud  case  management  services,  taking  into
consideration any efficiencies or cost reductions experienced by FIS as a direct result of the
Visa Claim Resolution requirements.

Tokenization  Enablement. 
FIS  shall  waive  its fees  for  its  standard  tokenization
implementation services for those Program Members that enter into a definitive  agreement
to receive FIS’s tokenization services prior to December 31, 2017.  For the sake of clarity,
FIS  shall  be  entitled  to  charge  its then-current  implementation  fees  for  (i)  all  Program
Members that do not meet the criteria specifically described above; and (ii) all non-standard
and/or customized implementation services FIS renders.

Program Member Retention.  The last sentence of the second paragraph of Section 4.11
of  the  Amended  Agreement  (regarding  the  conversion  of  up  to  100,000  cardholder
accounts) shall be deleted in its entirety.

FIS Exclusivity.  Section 5.1 of the Amended Agreement shall be deleted in its entirety and
replaced with the following:

“During the Term and any Renewal Term(s) of this Amendment Agreement, FIS shall be 
the  exclusive  third  party  service  provider  for  authorizations,  processing,  clearing  and 
settlement,  fraud  and  risk  management,  chargeback  and  dispute  services  for  credit  card 
issuing activities (the “Core Services”) for Program Member cardholder accounts residing on 
an FIS  processing  system  as  of  the  Amendment  Effective  Date.  New  credit  cardholder 
accounts  acquired  by  Program  Members  after  the  Amendment Effective  Date  shall  be  non-
exclusive to FIS and may be placed with other providers.”

7.

Cost  Certainty.  Section  6.1(b)  of  the  Amended  Agreement  shall  be deleted  in  its  entirety
and replaced with the following:

“On one (1) occasion during the Term of the Amended Agreement, on or after December 
31, 2017, FIS may increase recurring fees for Program Services and FIS Services by the 
amount of the percentage change in ECI, calculated by averaging the annual ECI change 
for the four (4) fiscal quarters immediately preceding the scheduled effective date of the 

ICBA Bancard/FIS Amendment1 of 10pricing  adjustment,  provided  the  minimum  pricing  adjustment is  two  (2%)  percent,  and 
the maximum pricing adjustment is four (4%) percent, of the then-current pricing.  ECI is 
the  U.S.  Employment  Cost  Index  (“ECI”)  – Civilian:  All  Workers  total  compensation,  as 
published by the U.S. Bureau of Labor Statistics (www.bls.gov).  If the ECI is unavailable 
or  materially  changes  in  content  and  scope,  then  FIS  may  in  good  faith  select  another 
U.S.  Government  index  as  a  substitute  in  order  to  obtain  substantially  the  same  result.  
Pricing  adjustments for  all  products  and  services  will  take  effect  on one  hundred  eighty 
(180) days’ advance written notice.  Notwithstanding the foregoing, in the event that FIS 
has  experienced  a  Material  Failure  at  any  time  within  ninety  (90)  days  of  the  proposed 
effective date of the pricing adjustment, the pricing adjustment will be postponed until the 
expiration of that 90-day period.”

On one (1) occasion during each separate Renewal Term of the Agreement, on or after 
December 31, 2021, FIS  may  increase recurring fees for Program Services as set forth 
above. 

Strategic  Development and  Planning.    On  an  annual  basis,  the  parties  shall meet  to
discuss and develop a mutually agreed upon plan of action to (i) encourage organic growth
in  Program  Members’  credit  card  portfolios;  and  (ii)  improve  the  quality  of  service  that  FIS
and  Bancard provide to Program Members, including but not limited to the quality  of sales
support that Program Members receive and the performance of the Program Services.

Transfer of Crittson Association Banks to Bancard.  In the event that an FIS credit card
processing  client  that receives  its  services  by  way  of  the  Crittson  Association  elects  to
terminate its  credit  card  processing agreement with  FIS  and  contract  directly  with  Bancard
for  credit  card  processing  services pursuant  to  a  Financial  Services  Agreement,  FIS  shall
waive any early termination fees (i.e., liquidated damages) and association conversion fees
that  would  otherwise  be  due  under  such  client’s card  processing agreement as  a  result  of
such termination, provided that, prior to December 31, 2017, the client becomes a Program
Member and executes a Financial Services Agreement.  For the sake of clarity, in the event
that the client desires to migrate its card processing services to another processing platform
(e.g.,  BASE2000),  FIS  shall  be  entitled  to  charge  its  then-current  fee  for  its  platform
conversion services.

TBS  to  BASE2000  Conversions.    Upon  conclusion  and  final  testing  of  FIS’  platform
conversion automation  initiative, FIS  will  increase  its  capacity  to  support  Program  Member
conversions from the TBS  processing platform to the  BASE2000 processing platform such
that  FIS  will  support  four  (4)  separate  conversion  events  per  year.    Each  separate
conversion event will be subject to FIS’ then-current maximum client capacity (currently, the
maximum capacity is 7 clients per event).  All conversions will be subject to the applicable
costs and fees set forth in the Schedules to the Amended Agreement.  FIS will endeavor to
complete the platform conversion automation initiative by December 31, 2017.

Standardized  Pricing.    FIS  will  endeavor  to  create  standardized  pricing  (e.g.,  recurring
fees,  transaction  fees and  implementation  fees)  for  Programs  Members  that  make  their
credit  cards  available to  cardholders via  third-party  institutions  (e.g.,  Agent  Banks).    In
creating  this  standardized  pricing,  FIS  will  consider  whether  it  would  be  beneficial  from  a
business perspective to create a subset of standardized pricing that  would  be reserved for
smaller Program Members, as reasonably determined by FIS.  Where mutually agreed upon
by  FIS  and  Bancard,  FIS  will  create  this  subset  of  standard  pricing  and  indicate  which
Program Members (either by name or asset size) are eligible to receive it.

8.

9.

10.

11.

12.

Outsourcing Management; TSP Audit and Vendor Diligence Information.   Sections 7.5,
7.6, 9.2,  11.3  and  13.0 of  the  Amended  Agreement  shall  be  deleted  in  their entirety  and
replaced with the following:

ICBA Bancard/FIS Amendment2 of 10“9.2 Right to Audit.

9.2.a  Outsourcing  and  TSP  Diligence  Generally.  FIS  will  cooperate  with  Bancard  and 
Program Members to meet their responsibilities to diligence and audit FIS as a third party 
technology  service  provider  (TSP),  as  contemplated  by  the  FFIEC  IT  Examination 
Handbook and related guidelines (TSP Guidelines). FIS will regularly make available audit 
reports and materials that address a Program Member's vendor management and diligence 
requirements  under  the  TSP  Guidelines.  Specific  information  regarding  the  available 
materials meeting  the  TSP  Guidelines is  available  under  the  "Vendor  Diligence  and  Audit 
Materials" on the FIS Client Portal.

9.2.b  Vendor  Diligence  and  Audit  Materials.  Through  its  FIS  Client  Portal and  FIS 
Governance  Site,  Program  Members will  have  continuous  electronic  access  to  audit 
reports, attestations, and other detailed information regarding FIS's internal systems testing 
and  procedures,  and  FIS's  information  security  and  data  privacy  controls.  These  audit 
materials  include  recent  independent  audits  (such  as  SSAE  16's),  third  party  attestations 
and  certifications (such  as  AT101's  and  PCI  AOC's),  and  detailed  information and  testing 
results  regarding  physical,  technical  and  administrative  controls  utilized  by  the  business 
lines within FIS and the security of a Program Member's Confidential Information.

9.2.c  Information  Security  and  Risk  Management  In-Depth  Conferences.  Bancard  and 
Program  Members may  attend  any  or  all  of  the  FIS  In-Depth  Conferences,  which  provide 
detailed  audit  information  and  in-depth  in-person  discussions  with  FIS's  senior  executive 
team  regarding  FIS's  information  security  and  risk  management  processes  and  system 
testing  results.  The  In-Depth Conferences  provide comprehensive  vendor  diligence 
information, including (i) a thorough, interactive review of FIS enterprise-wide security and 
system controls, and (ii) specific assessments of industry standards and best practices for 
financial  technology  information  security  and  risk  management.  As  of  the  Amendment 
Effective Date, FIS offers four (4) In-Depth Conferences each year, with clients attending a 
two-day event onsite at different FIS facilities.

9.2.d Governmental Access. FIS shall permit governmental agencies that regulate Bancard 
and/or Program Members in connection with Program Service to examine FIS's books and 
records  to  the  same  extent  as  if  the  Program Service  was  being  performed  by  Bancard 
and/or Program Member on its own premises, subject to FIS's confidentiality and security 
policies and procedures.”

13.

Service Level Agreement (“SLA”).

13.1 Exhibit  1  shall  be  deleted  in  its  entirety  and  replaced  with  a  new  Exhibit  1  labeled 

“Effective as of January 01, 2016”.

13.2 The  definition  of  a  “Material  Failure”,  as  set  forth  in  the  second  sentence  of  Section 
9.1(b) of the Amended Agreement, shall be deleted and replaced with the following:

“Taking  into  consideration  any  Excluded  Outages,  FIS’s  failure  to  meet  (i)  the  same 
Material Standard for a period of three (3) consecutive months, or (ii) three (3) or more of 
any other Standard (i.e.,  a  Standard  that  is  not  designated  as  a  “Material  Standard”) per 
month for a period of three (3) consecutive months, shall be deemed a "Material Failure."

13.3 For the sake of clarity, nothing in Section 13 of this Amendment shall alter or amend 
FIS’s obligation to pay a SLA Credit in the event of an SLA Failure, as described in the first 
sentence of Section 9.1(b) of the Amendment Agreement.

ICBA Bancard/FIS Amendment3 of 1013.4 Upon  Bancard’s  written  request,  FIS  will  provide  Bancard  with  explanatory materials 
and/or  documentation to  help  demonstrate FIS’  internal  calculations of (i) its  performance 
with  respect  to  the  SLAs;  and  (ii)  any  applicable  SLA  Credits owed  to  Bancard.    Any 
conversations, materials or documentation regarding the foregoing shall be considered FIS’ 
Confidential Information.

14.

Limitations on Damages.  Section 28.0 of the Amended Agreement shall be deleted in its
entirety and replaced with the following:

“28.1.a. Limitation  of  Liability – Program  Members.    FIS’  and  Bancard’s total  liability  to 
any  Program  Member  under  this  Amended  Agreement  and/or  any  Financial  Services 
Agreement shall  be  limited  in  all  cases  and  in  the  aggregate  to the  amount  of  fees 
actually paid by the Program Member under the Financial Services Agreement during the 
eighteen (18)  months  preceding the  date  of  the  event  that  is  the  basis  for the  Program 
Member’s  first  claim or,  if  the  Financial Services Agreement  has  been  in  effect  for  less 
than eighteen (18) months, the amount shall be calculated by averaging the monthly fees 
paid  to  date by  the  Program  Member and  multiplying that  number by  eighteen (18).
NEITHER FIS NOR BANCARD SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, 
CONSEQUENTIAL,  SPECIAL,  DELAY  OR  PUNITIVE  DAMAGES  WHATSOEVER 
(INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF BUSINESS PROFITS 
OR  REVENUE,  BUSINESS  INTERRUPTION,  LOSS  OF  INFORMATION,  OR  OTHER 
PECUNIARY  LOSS),  EVEN 
IF  FIS OR  BANCARD WAS  ADVISED  OF  THE 
POSSIBILITY OF SUCH DAMAGE.  The parties agree that any Data Confidentiality and 
Security Damages that FIS pays or incurs on a Program Member’s behalf shall constitute 
direct  damages.  “Data  Confidentiality  and  Security  Damages”  means  (i)  the costs  and 
expenses incurred by FIS in the preparation and distribution of any customer notifications 
required by applicable breach notification laws; and (ii) the costs and expenses incurred 
by  FIS in  providing  credit  monitoring  services  for  a  period  of  one  (1)  year  to those 
customers  whose  NPI  was  misused,  in  each  case,
to  the  extent  caused  by  the 
unauthorized access to NPI that resulted from FIS’s failure to comply with its obligations 
set  forth  in  Section  11.2.1(a)  of  the  Amended  Agreement.    For  the  avoidance  of  doubt, 
the Data Confidentiality and Security Damages identified in this Section 28.1.a. that FIS 
pays or incurs on a Program Member’s behalf shall constitute direct damages and not be 
subject to the waiver of damages set forth in the second sentence of this Section 28.1.a.  
FIS’s obligation to pay or  incur Data  Confidentiality and Security Damages is subject to 
the monetary cap on direct damages set forth in the first sentence of this Section 28.1.a.

28.2  Limitation  of  Liability  – FIS/Bancard.    FIS’  and  its  affiliates’  and  subsidiaries’ 
(including  Fidelity  National  Information  Services,  Inc.)  total  liability  to  Bancard  and 
liability  to  FIS  and  its  affiliates  and  subsidiaries under  this  Amended 
Bancard’s total
Agreement, including any Exhibit or Rider, and/or any Financial Services Agreement shall 
be  limited  in  all  cases  and  in  the  aggregate  to Ten Million  Dollars  ($10,000,000.00).  
NEITHER FIS NOR BANCARD SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, 
CONSEQUENTIAL,  SPECIAL,  DELAY  OR  PUNITIVE  DAMAGES  WHATSOEVER 
(INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF BUSINESS PROFITS 
OR  REVENUE,  BUSINESS  INTERRUPTION,  LOSS  OF  INFORMATION,  OR  OTHER 
PECUNIARY  LOSS),  EVEN 
IF  FIS OR  BANCARD WAS  ADVISED  OF  THE 
POSSIBILITY OF SUCH DAMAGE.

28.3 Disclaimer  of  Liability  for  Certain  Losses.  Under  no  circumstances  shall  FIS or 
Bancard be  liable  to  any  Program  Member  for  any  losses,  claims,  demands,  penalties, 
actions,  causes  of  action,  suits,  obligations,  liabilities,  damages,  delays,  costs  or 
expenses, including reasonable attorney's fees (collectively, "Losses”) caused, directly or 
indirectly,  in  whole  or  in  part,  by:  (i)  Program  Member;  (ii) a  third  party,  other  than  FIS'
authorized agents; (iii) use of attachments, features, or devices not authorized by FIS in 
writing;  (iv)  improper  or  inadequate  conditions  at  a  non-FIS  site;  (v)  improper  or 

ICBA Bancard/FIS Amendment4 of 10incomplete  installation  not  caused  by  FIS  or  its  authorized  agents;  (vi)  equipment 
changes,  reconfigurations,  upgrades  or  relocations  performed  by  someone  other  than 
FIS or its authorized agents; (vii) abuse, misuse, alteration or use that is inconsistent with 
the  terms  of  this  Agreement  or  the  Financial  Services  Agreement;  (viii)  incorrect  or 
incomplete  data  supplied  by  Program  Member or  its  agents;  (ix)  software,  hardware  or 
systems not supplied by FIS; (x) a force majeure event; or (xi) a failure that is not directly 
attributable  to  FIS or  Bancard  or  under  FIS’  or  Bancard’s direct  control.  In  the  event  of 
any error by FIS in processing any  data or preparing any report or file hereunder, FIS's 
sole obligation shall be to correct the error by reprocessing the affected data or preparing 
and  issuing  a  new  file  or  report at  no  additional  cost  to  Program  Member;  provided, 
however, FIS’s obligation herein is contingent upon Program Member notifying FIS of the 
error  within fifteen (15) business days or, in the case of the Service that  has a  monthly 
processing  cycle  (e.g.,  statement  rendering), one (1)  processing  cycle  after  Program 
Member receives the improperly processed data, report or file.”

15.

Settlement.

15.1

The opening clause of Section 7.1.1 of the Amended Agreement shall be deleted 

in its entirety and replaced with the following:

“Subject  to  Section  7.1.3, FIS  may  access  the  designated  program  clearing  account 
(“Program Clearing Account” or “PCA”) for the following purposes:” 

15.2
Agreement:

The  following  provision  shall  be  added  as  Section  7.1.3  to  the  Amended 

In  accessing  the  PCA  under  the 
“7.1.3 Limits  on  Amount  Accessed  from  PCA.
Amended Agreement, and notwithstanding anything in Section 7.1.1 to the contrary, FIS 
may  not  access  the  PCA  for  funds  in  an  amount  that  exceeds the  existing  ownership 
interest of the affected Program Member, regardless of whether the Program Member is 
receiving the Program Services at the time that FIS accesses the PCA.” 

15.3
definition of “Average Daily Sales” with “21.5 days”.

Section  7.1.2  shall  be  amended  by  replacing  the  words  “22”  days”  in  the 

Section  7.2.1  shall  be  amended  by  deleting the  words “x  2.5  (anticipated 
15.4
transactions  per  cardholder  account  per  month) x  52  (anticipated  average  transaction 
amount)” the second time this phrase appears in the equation.

15.5
in the second sentence of the paragraph that follows the equation.

Section 7.2.1 shall be amended by replacing the word “SA” with the word “PCA”

15.6
Subject  to  the  restrictions  and  limitations  otherwise  set  forth  in  this  Amended 
Agreement, Bancard and each Program Member acknowledge and agree that FIS shall 
be entitled to make transfers to and from its own accounts for the purposes of facilitating
the  specific settlement  and  payment  activities  allowed  by  the  Agreement.    The  parties 
acknowledge  and  agree  that  the  Designation  of  Agent,  pursuant  to  which  Bancard 
designated FIS as it Wells Fargo account opening agent, does not expand FIS’s ability to 
use  or  access  Program  Member  funds  beyond  what  is  contemplated  by  the  Amended 
Agreement.”

16.

Data  Usage.    Notwithstanding  anything  in  the  Amended  Agreement  or  any  Financial
Services  Agreement  to  the  contrary,  FIS  may  store  and  use  all  information  and  data
provided  by  or  on  behalf  of  a  Program  Member  or  developed  by  FIS  in  the  course  of
rendering  FIS  Services,  provided  that  such  storage  and  use  is  for  purposes  of  performing
FIS's  obligations  under  this  Agreement,  or  for  purposes  permitted  under  federal  and  state

ICBA Bancard/FIS Amendment5 of 10laws applicable to FIS, including the use of data aggregation measures to perform industry 
analytics  for  card  performance  analysis.  Termination  of  this  Agreement  or  any  Financial 
Services  Agreement  shall  not  require  FIS  to  remove,  return  or  cease  to  store  or  use  any 
such information or data obtained from Program Member or developed by FIS.

17.

Termination  for  Convenience.  The  third  sentence  of  Section  4.10 of  the  Amended
Agreement shall be deleted in its entirety and replaced with the following:

“A  Program  Member  may  terminate  the  Program  Service  at  issue  without  the  imposition  of 
liquidated  damages  in  the  event  of  Fidelity’s  unexcused  failure  to  meet  the  same  Material 
Service  Level  Agreement  (“SLA”)  (as  defined  in  Exhibit  1)  for  a  period  of  three  (3) 
consecutive months.”

18.

Changes to the Program Services.  The following provisions shall be added  as Sections
15.2 and 15.3 to the Amended Agreement:

“15.2 FIS may change any features, functions, brand, third party provider, or attributes of an
FIS  Service,  or  any  element  of  its  systems  or  processes,  from  time  to  time,  provided  that 
such changes do not have a material adverse impact on the performance or fees associated 
with  the  FIS  Service.  Program  Members shall  not  rely  on  identification  of  specific  brands 
associated with or names of third party providers of an FIS Service as an obligation of FIS to 
use any particular brand or third party provider.

15.3  In  addition  to  the  termination  rights  set  forth  in  the  Agreement,  FIS  may  terminate  an FIS 
Service, in whole or in part, without penalty, if FIS’s agreement to use any third -party software or 
service upon which the FIS Service relies expires or is terminated; provided, however, that prior to 
any  such  termination,  FIS  shall  use  commercially  reasonable  efforts  to  either  (i)  extend  the 
applicable expiration or termination date so that its provision of the  FIS Service is not interrupted; 
(ii) procure a third-party software or service similar to the expired or terminated software or service 
in order to continue to deliver the  FIS Service without interruption and without reduction in quality 
or increase in fees to Program Member; or (iii) develop another workaround that allows Program 
Member to continue to receive the FIS Service without interruption and without reduction in quality 
or increase in fees.”

19.

SecurLOCK™  Services (f/k/a  Falcon  Services).  Section  23 of  the  Amended  Agreement
shall be deleted in its entirety and replaced with the following:

“23.1  Bancard  hereby  engages  FIS  to  provide  the  SecurLOCK  Services  to  all  Program 
Members  receiving  the  Credit  Card  Program  Services.    Bancard  shall  require  all  Programs 
Members  receiving  the  Credit  Card  Program  Services  to  utilize  SecurLOCK through  FIS.  
Bancard and/or the Program Member will be responsible for paying the applicable fees.  The 
following terms and conditions will apply to each Program Member’s use of the SecureLOCK 
Services:

23.2 FIS  shall  provide  the  Service  to  Program  Member in  either  a  standard  or  distributive 
environment. In  a standard environment, using  a neural network engine (“Neural Network”), 
FIS will monitor Program Member’s transactions and use commercially reasonable efforts to 
identify  potential  fraudulent  activity.  In  a  distributive  environment,  FIS’s  sole  obligation  is  to 
grant  Program  Member  a  non-transferable,  non-exclusive,  revocable,  limited  copyright 
sublicense  providing  the  right  to  use  and  access  the  Service  in  object  code  form  utilizing 
workstation components at Program Member’s location. Program Member will configure the 
application, securely manipulate all software parameters and settings, evaluate, manage, and 
take  action  with  respect  to  potential  fraudulent  activity  in  accordance  with  the  Service 
specifications.  The  Neural  Network  is  a  proprietary  transaction  account  fraud  detection  and 
report system of Fair Isaac Corporation (together  with its affiliated companies, “Fair Isaac”), 

ICBA Bancard/FIS Amendment6 of 10which  FIS  has  obtained  the  right  to  offer  to  its  clients  pursuant  to  an  agreement  with  Fair 
Isaac.  Program  Members shall  only  use  the  Service  for  its  cardholder accounts  that  had  a 
balance or any monetary or non-monetary transaction or authorization during the applicable 
activity month (“Active Accounts”).

23.3 Approximately  fifteen  (15)  days following  the  date  the  Services  are  first  used  in  a 
production  environment,  FIS  will  begin  to  develop  individual  profiles  for  each  cardholder’s 
card,  which  development  will  take  approximately  sixty  (60)  days  (“Profiling  Period”).  At 
commencement of the Profiling Period, FIS shall provide Program Member with notice of the 
date  that  the  Service  will  become  operational  (the  “Activation  Date”).  PRIOR  TO  THE 
ACTIVATION  DATE,  POTENTIAL  FRAUDULENT  ACTIVITY  WILL  NOT  BE  ROUTED  TO 
FIS’s FRAUD ALERT SPECIALISTS FOR REVIEW AND/OR ACTION. This subsection shall 
not apply in the event that Program Member is using the Service in a production environment 
as of the Amendment Effective Date.

23.4 When  the  Service  detects  a  potentially  fraudulent  transaction  in  the  standard 
environment,  FIS  may  decline  the  transaction,  place  a  “hold”  on  the  applicable  card  to 
prevent any further transactions, and/or promptly contact by telephone either the cardholder
or an individual designated by Program Member. Program Member hereby authorizes FIS to 
decline  card  transactions  that  appear  suspicious  in  FIS’s  sole  discretion  and  to  contact  the 
cardholder to  confirm  transaction  activity  as  deemed  appropriate in  FIS’s  sole  discretion. In 
the  distributive  environment,  the  obligations  set  forth  in  this  subsection  are  the  sole 
responsibility of Program Member.

23.5 The Service will be available twenty-four (24) hours per day, seven (7) days per week; 
provided,  however,  that  FIS  reserves  the  right  to  suspend  availability  of  the  Service  for  the 
purpose  of  maintenance  or  updating  during  “off-peak”  hours.  Although  FIS  will  use 
commercially  reasonable  efforts  to  keep  these  periods  of  unavailability  as  short  as 
reasonably possible, Program Member acknowledges that fraudulent transactions may occur 
during  these  periods  and  neither  FIS nor  Bancard shall  have  any liability  for  those 
transactions.  FIS’s  call  center  shall  operate  twenty-four  (24)  hours  per  day,  seven  (7)  days 
per week, however FIS will only place outbound calls 7:00 a.m. to 9:00 p.m. Monday through 
Friday, and 8:00 a.m. to 9:00 p.m. Saturday and Sunday in the Program Member's local time 
zone.

23.6 Program Member agrees to use reasonable efforts to contact its cardholders regarding 
potentially  fraudulent  cards  or  fraudulent  use  of  a  card  and  shall  provide  FIS  with  any 
information obtained from a cardholder regarding such cards.

23.7 Program  Member  shall  participate,  via  FIS,  in  Fair  Isaac's  Fraud  Control  Consortium 
(“Consortium”),  a  cooperative  arrangement  among  card  issuers  and  Fair  Isaac  that  permits 
Fair Isaac to collect and analyze data on card fraud for the purpose of identifying fraud trends 
and  fraudulent  behavior.  Program  Member  authorizes  FIS,  within  thirty  (30)  days  of  the 
Amendment Effective Date and monthly  after the commencement of the Service, to provide 
to Fair Isaac encrypted Program Member data and other information requested from time to 
time  by  Fair  Isaac  for  use  by  the  Consortium  in  connection  with:    (a)  Fair  Isaac  and  its 
affiliates’  products and services; (b) in connection with and  as part  of any Consortium data; 
and (c) other research, consulting and  development activities of Fair Isaac and its affiliates. 
Program Member acknowledges and agrees that contribution of data to the Consortium is a 
requirement  for  use  of  the  Service.  All  Program  Member  data  provided  by  FIS  to  the 
Consortium  shall  be  subject  to  commercially  reasonable  confidentiality  provisions,  and  FIS 
shall ensure that all  Program Member data  provided to the Consortium is “de-personalized” 
and  “de-identifiable”  (as  defined  by  applicable  law)  and  not  identifiable  to  any  person, 
individual,  consumer,  or  entity.  Program  Member’s  participation  in  the  Consortium  may  be 
terminated  in  the  event  that  Program  Member  is  unwilling  or  unable  to  provide  Program 
Member  data  to  Fair  Isaac  at  all  or  in  an  acceptable  format.  In  such  event,  the  Program 

ICBA Bancard/FIS Amendment7 of 10Member will be required to license a custom model from Fair Isaac, pursuant to a separate 
agreement.

23.8 Fair Isaac retains and reserves sole and exclusive worldwide right, title, and interest in 
and to the Neural Network, the Fair Isaac proprietary software that enables users to configure 
the application, and to securely manipulate all software parameters and settings, and in any 
related documentation, subject to the license rights granted to Program Member herein.

23.9 Only  cards  issued  by  Program  Member  and  processed  by  FIS  are  eligible  for  the 
Service.

23.10 Program  Member  understands  that  the  Service  is  intended  to  detect  and  prevent 
potential fraudulent card activity. However, Program Member acknowledges that (i) no fraud 
detection  tool  is  one  hundred  percent  accurate,  (ii)  it  is  likely  that  some  fraudulent 
transactions will go undetected by the Service or other mechanisms and may not be declined, 
and  (iii)  some  non-fraudulent  transactions  may  be  declined  because  of  the  detection  of 
potentially  fraudulent  activity.  Program  Member  acknowledges  and  agrees  that  if  the  data 
submitted to  Fair  Isaac  is  not  provided  in  accordance  with  the  Fair  Isaac’s  specifications, a 
degradation  of  performance  of  the  Service  may  occur,  such  that  it  may  not  perform  in 
accordance  with  its  documentation.  Program  Member  will  make  every  reasonable  effort  to 
work with FIS to correct any incomplete or inaccurate data contributed to Fair Isaac.

23.11 FIS’s  obligation  to  provide  the  Service shall  be  contingent  upon  Program  Member’s 
compliance  with  the  following:  (i)  Program  Member  will  use  its  commercially  reasonable 
efforts to keep current on FIS’s database all information regarding cardholders, including, but 
not  limited  to,  each  cardholder’s  date  of  birth,  telephone  numbers,  address  and  Social 
Security  number;  (ii)  Program  Member  shall  participate  in  periodic  confidential  surveys 
deemed  necessary  by  FIS  or  Fair  Isaac  to  assess  the  Service's  performance;  and  (iii) 
Program Member acknowledges and agrees that the parameters for operation of the Neural 
Network  system  in  the  standard  environment  shall  be  determined  from  time  to  time  by  FIS 
and Fair Isaac, as applicable, to attempt to improve the performance of the Service, in their 
sole  discretion.  In  the  distributive  environment,  FIS will  provide  ranges  of  parameters  for 
general operation of the Neural Network but Program Member will  be solely responsible for 
designating  its  applicable  parameters  for  operation.  Examples  of  such  parameters  include, 
without  limitation,  minimum  scores  required  to  trigger  an  inquiry  and  prerequisites  to  a 
decision  to  block  a  card  or  initiate  cardholder  or  Program  Member  contact  and  the  then 
current Service operating procedures issued by FIS.

23.12 “Real-Time  Rules”  are  rules  applicable  to  the  scoring  mode (as  described  in  the 
operating procedures). In the standard environment, Real-Time Rules are solely established 
by FIS. In the distributive environment, Program Member will provide FIS with the Real-Time 
Rules  applicable  to  the  operation  of  the  Service.  FIS  has  the  right  to  reject  any  Real-Time 
Rule  it  deems  potentially  adverse  to  any  Association  standard  or  the  performance  of  the 
Service.

23.13 FIS and  Bancard disclaim  all  liability  to  Program  Member  for,  and  Program  Member 
shall  indemnify  and  hold  FIS and  Bancard harmless  from,  any  and  all  losses,  damages, 
actions or claims arising in connection with any of the following: (i) any occurrence of fraud in 
connection with a card; (ii) the application of a low risk score when a transaction was actually 
fraudulent;  (iii)  the  application  of  a  high  risk  score  which  results  in  blocking  use  of  a  card 
which  is  not  involved  in  fraudulent  activity;  (iv)  any  failure  by  FIS  to  decline  a  fraudulent 
transaction  or  to  notify  Program  Member  or  cardholder of  a  fraudulent  transaction;  (v)  any 
decline of a non-fraudulent transaction; (vi) a cardholder’s inability to use his or her card due 
to FIS placing a restriction on a card which FIS determines to be potentially fraudulent; and 
(vii) Service downtime for maintenance, enhancements, upgrades, and similar activities.

ICBA Bancard/FIS Amendment8 of 1023.14 Except  as  expressly  stated  herein,  Program  Member  warrants  that  neither  Program 
Member  nor  its  affiliates,  nor  its  or  their  employees,  representatives,  contractors,  and/or 
agents:  (i)  shall  in  any  way  use  the  Service  other  than  within  the  scope  of  the  licenses 
granted; (ii) shall in any way alter, change, modify, adapt, translate, or make derivative works 
from  the  Service;  (iii)  shall,  with  respect  to  the  Service  reverse  engineer,  decompile, 
disassemble, or reduce any object code to human perceivable form or permit others to do so; 
(iv)  shall  sublicense  or  operate  the  Service  for  timesharing,  rental,  outsourcing,  or  service 
bureau operations, or to train persons other than permitted users; (v) shall disclose or publish 
performance  benchmark  results  for  the  Service  without  FIS  and  Fair  Isaac’s  prior  written 
consent; or (vi) shall use any third party software provided in connection with the Service in 
conjunction  with  any  product  or  service  other  than  the  Service.  Program  Member  further 
represents  and  warrants  that  it  (a)  has  sufficient  ownership  rights  in  the  Program  Member 
data, to hold said Program Member data, to deliver or cause it to be delivered by FIS to Fair 
Isaac, to cause the Services to be rendered with respect to it for the purposes set forth in this 
Agreement, to receive the processed Program Member data from FIS, and make its intended 
use of the Program Member data; and (b) has obtained from individuals all consents and has 
provided all notices necessary with respect to the intended disclosure and use(s) of Program 
Member data, that are required under applicable laws. Program Member shall indemnify and 
hold  harmless  Fair  Isaac  from  and  against  any  and  all  losses,  damages,  actions  or  claims 
incurred by  Fair  Isaac  arising  from  or  in  connection  with  a  breach  of  these  representations 
and warranties.

23.15 Upon  termination  or  expiration  of  the  right  to  use  the  Service  for  any  reason,  all 
licenses granted hereunder shall terminate immediately, Program Member shall immediately 
cease using the Service, and shall either return to FIS or destroy all copies of the Fair Isaac 
proprietary documentation associated with the Service in Program Member’s possession.

23.16 Program Member acknowledges that the  Service, the Fair Isaac proprietary software, 
and any related documentation contain confidential and proprietary information belonging to 
Fair Isaac and  its licensors (if any).  Program Member shall  hold  the Service, the Fair  Isaac 
proprietary  software,  and  any  related  documentation  in  strict  confidence  and  shall  not 
disclose  the  Service,  results  thereof,  or  the  Fair  Isaac  proprietary  software,  or  any  related 
documentation except to its employees or independent contractors who have a need to know 
for  the  above  stated  purpose,  and  who  are  bound  by  obligations  of  confidentiality  no  less 
restrictive  than  the  terms  of  this  Agreement.  Program  Member  agrees  to  use  the  same 
degree  of  care,  but  no  less  than  a  reasonable  degree  of  care,  to  protect  against  the 
unauthorized  disclosure  of  Fair  Isaac’s  confidential  and  propriety  information.  Program 
Member  shall  have  no  obligation  of  confidentiality  with  respect  to  confidential  information 
which  is  (i)  is  independently  developed  by  Program  Member  without  reference  to  or  use  of 
Fair  Isaac’s  confidential  and  proprietary  information;  (ii)  is  obtained  by  Program  Member 
without  restriction  on  disclosure  or  use  from  another  source  without  a  breach  of  any 
obligation of confidentiality owed by such source to Fair Isaac;  or (iii)  is or becomes part of 
the public domain through no wrongful act of Program Member or any party that obtained the 
information from Fair Isaac. If Program Member is served  with  any subpoena or other  legal 
process  or  a  court  or  governmental  request  or  order  requiring  or  purporting  to  require  the 
disclosure  of  any  of  Fair  Isaac’s  confidential  information,  Program  Member  shall,  unless 
prohibited by law, promptly notify FIS and/or Fair Isaac of such fact and cooperate fully with 
Fair Isaac in seeking a protective order, seeking to limit, or appealing any such legal process 
to the extent deemed appropriate by Fair Isaac. The obligations of confidentiality and license 
restrictions  contained  in  this  Agreement  shall  survive  any  termination  or  expiration  of  this 
Agreement.

23.17 Program Member acknowledges and agrees that Fair Isaac shall not be responsible for 
any  losses,  damages  including  but  not  limited  to  direct,  indirect,  special,  incidental  or 
consequential  damages,  or  liabilities,  whether  in  contract,  tort  (including  negligence),  strict 
liability  or  under  any  other  theory,  incurred  by  Program  Member,  its  agents,  or  any 

ICBA Bancard/FIS Amendment9 of 10cardholders,  caused  by  failures,  inaccuracies  or  errors  in  the  operation  of  the  Service,  or 
other claims associated with the Service or the functions and services provided by FIS or Fair 
Isaac in connection with the use of the Service.

23.18  After  enrolling in the SecureLOCK  Demand  services (f/k/a  “On  Demand  Custom 
Rules”),  the  Program  Member will  have  the  ability  to  request  custom  fraud  rules.  Before 
implementation of any custom rule, written validation and approval from an appropriate bank 
representative will need to be obtained by FIS. Rule effectiveness data will be provided to the 
Program Member after the first week the custom rule is implemented.

20.

21.

Voice Call Retention Period.  FIS agrees to retain recorded voice call conversations for a
period of 180 days.

Miscellaneous.  All capitalized words not specifically defined in this Amendment shall have
the same meaning as in the Amended Agreement. The terms and provisions set forth in this
Amendment shall modify and supersede all inconsistent terms and provisions set forth in the
Amended  Agreement.  Except  as  amended  herein,  all  other  terms  and  conditions  of  the
Amended  Agreement  shall  remain  in  full  force  and  effect.  This  Amendment,  when  taken
together  with  the  Amended  Agreement,  constitutes the  entire  agreement among  the  parties
concerning  the  subject  matter  hereof.  This  Amendment  may  be  executed  in  counterparts,
each  of  which  shall  be  an original,  but  such  counterparts  together  shall  constitute  but  one
document.

ICBA BANCARD, INC.

FIDELITY NATIONAL CARD SERVICES, INC.

By:

Name:

Title:

By:

Name:

(Print Name)

(Print Name)

Title:

Authorized Signatory

ICBA Bancard/FIS Amendment10 of 10AMENDED AND RESTATED 2011 RENEWAL SERVICE 
AGREEMENT

by and between 

ICBA BANCARD, INC.

and

FIDELITY NATIONAL CARD SERVICES, INC.

TABLE OF CONTENTS

   Section

...................................................................................................... Page
1.0 MODIFICATION AND RESTATEMENT ................................................................ 2
2.0 EXTENSION OF TERM ........................................................................................ 2
3.0 SERVICES............................................................................................................ 3
4.0 TERMINATION.................................................................................................... 3
5.0 FIS EXCLUSIVITY ............................................................................................10
6.0 FEES; MERCHANT SETTLEMENT; OTHER SERVICES....................................12
7.0 PROGRAM CLEARING, SETTLEMENT AND PAYMENT ACCOUNTS ................14
8.0 ADDITIONAL OBLIGATIONS OF PROGRAM MEMBERS ..................................17
9.0 SERVICE LEVEL AGREEMENT ("SLA") ........................................................19
10.0 SYSTEM ENHANCEMENTS ...............................................................................21
11.0 CONFIDENTIALITY AND CONFIDENTIAL INFORMATION ...............................22
12.0 DATA TRANSMISSION ......................................................................................26
13.0 RECORDS INSPECTION.....................................................................................26
14.0 SECURITY .........................................................................................................28
15.0 CHANGES TO PROGRAM SERVICES ................................................................28
16.0 GOVERNMENT INSPECTION ............................................................................28
17.0 INSURANCE.......................................................................................................29
18.0 BACKUP PROVISIONS.......................................................................................29
19.0 ARBITRATION ..................................................................................................31
20.0 MASTERCARD/VISA REQUIREMENTS...........................................................33
21.0 NON-RENEWAL OF AGREEMENT....................................................................33
22.0 DISPOSAL OF RECORDS...................................................................................33
23.0 FALCON SERVICES...........................................................................................39
24.0 SPECIAL PROGRAMMING ................................................................................39
25.0 USERS GROUP MEETINGS ...............................................................................40
26.0 PROGRAM MEMBER BENEFIT ASSOCIATION ................................................40
27.0 LEGAL COMPLIANCE AND INDEMNIFICATION...............................................42
28.0 LIMITATIONS ON DAMAGES............................................................................42
29.0 DISTRIBUTION TO PROGRAM MEMBERS........................................................43
30.0 AGENT BANK AGREEMENTS. ..........................................................................43
31.0 GUARANTEE OF FIDELITY NATIONAL INFORMATION SERVICES,  INC. .......44
32.0 NO WAIVER .....................................................................................................44
33.0 FORCE MAJEURE.............................................................................................44
34.0 GOVERNING LAW ............................................................................................44
35.0 RECITALS; ENTIRE AGREEMENT; CONSTRUCTION ......................................45

ii

36.0 MODIFICATION OR AMENDMENTS .................................................................45
37.0 ASSIGNMENT....................................................................................................45
38.0 NOTICES ...........................................................................................................46
39.0 ATTORNEYS' FEES ...........................................................................................46
40.0 CAPTIONS.........................................................................................................46

List of Attachments: 
Exhibit 1 to Amended Agreement – Service Level Agreements
Exhibit 2 to Amended Agreement – Form FIBA Membership Agreement
Exhibit 3 to Original Agreement – Guarantee and Indemnity
Schedule A to Amended Agreement
Schedule C to Amended Agreement
Schedule K to Amended Agreement
Schedule E from the 2003 Renewal Agreement
Schedule F from the 2003 Renewal Agreement

iii

AMENDED AND RESTATED 2011 RENEWAL SERVICE AGREEMENT 

This Amended and Restated 2011 Renewal Service Agreement (“Amended 
Agreement”  or  “2011  Renewal  Agreement”)  is  made  as  of  June 30,  2012
("Effective  Date"),  by  and  between  ICBA  BANCARD,  INC.  ("Bancard"),  a 
Delaware  corporation,  and  FIDELITY  NATIONAL  CARD  SERVICES,  INC. 
("FIS"), a Florida corporation, with reference to the following facts:

RECITALS

A.

Bancard  is  a  corporation  engaged  primarily  in  the  provision  of 

payment services to financial institutions (the “Bancard Program”).

B.

FIS  is  engaged  in  the  business  of  providing  processing  for  payment 
services to Program Members, as further defined in this Amended Agreement (the 
“FIS Services”).

C.

Bancard,  acting  as  agent  for  certain  community  banks  that  are 
members  (“Members”)  of  the  Independent  Community  Bankers  of  America, has 
retained  FIS  to  provide  certain  of  the  FIS  Services  (the “Program  Services”)  to 
Members  that  participate  in  the  Bancard  Program  (hereinafter,  the  “Program 
Members”).

D.

Bancard  and  FIS  are  parties  to  a  2003  Renewal  Service  Agreement, 
dated  June  1,  2003,  as  amended  (the  “2003  Renewal  Agreement”)  governing the 
parties'  rights  and  obligations  with  respect  to  the  Program  Services  provided  to 
Program Members.

E.

The Term of the 2003 Renewal Agreement expired on December 31, 
2011,  and  Bancard  and  FIS  modified,  restated,  and  renamed  the  2003  Renewal 
Agreement,  and  extended  its  Term  pursuant  to  the  2011  Renewal  Services 
Agreement  dated  July  1,  2011,  as  amended  by  that  First  Amendment  dated 
September 1, 2011 (the “Original Agreement”).

F.

Bancard  and  FIS now  wish  to  further  amend,  restate,  supersede  and 
replace the Original Agreement, including the Exhibits and Schedules thereto, with 
the  exception  of  Exhibit  3  Guarantee  and  Indemnity  to  the  Original  Agreement, 
which shall continue in effect, as provided below.

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 1 of 46

NOW,  THEREFORE,  in  consideration  of  the  mutual  covenants  and 
agreements  hereinafter  contained,  and  for  other  good  and  valuable  consideration, 
the  receipt  and  sufficiency  of  which  are  hereby  acknowledged,  it  is  hereby 
mutually agreed by and between the parties as follows:

1.0 Modification  and  Restatement.    As  of  the  Effective  Date  of  the 
Original  Agreement,  the  parties  changed  the  name  of  the  2003  Renewal  Service 
Agreement  to  the  "2011  Renewal  Service  Agreement",  and  modified,  restated, 
superseded and replaced the terms of the 2003 Renewal Service Agreement.  As of 
the Effective Date thereof,  the provisions of  this Amended 2011 Renewal Service 
Agreement shall be incorporated into each of the agreements for provision of the 
Program  Services between  Bancard  and  each  Program  Member  (the  "Financial 
Services  Agreement")  in  place  of  the  provisions  of  the  2003  Renewal  Service 
Agreement;  provided,  however,  that  the  provisions  of  Sections  6.1  (Scheduled 
Fees)  and  9.1  (Compliance  Requirements)  of  the  2003  Renewal  Service 
Agreement,  with  respect  to  the  fees  charged  for  the  Program  Services  and  the 
Quality Control Standards to be applied with respect to the Program Services shall 
remain in effect and continue to apply to the Program Services up to and including  
October 1, 2011, at which time those Sections will be superseded and replaced by 
the  provisions  of  the  2011  Renewal  Services  Agreement  (specifically,  Sections 
6.1(a), 9.1(a) and 9.1(b) herein below).  Notwithstanding the foregoing, the Parties 
acknowledge  that  as  of  the  Effective  Date  of  the  Original  Agreement  certain 
Program Members continue to receive the debit, in-house/pass through and ATM 
card services as part of the Program Services pursuant to Schedules E and F to the 
2003 Renewal Agreement (“Debit Clients”), and further, that such Schedules E and 
F,  which  are  attached  to,  and  fully  incorporated  into,  this  Amended  Agreement, 
will  survive  and  continue  in  effect  until  such  time  as  Debit  Clients  have  been 
converted off of the Bancard Program for such debit services.

2.0

Extension of Term.   The term ("Term") of the 2011Renewal Service 
Agreement shall expire on December 31, 2016, and shall automatically renew for 
additional  twelve  (12)  month  terms  (each  a  "Renewal  Term")  unless  Bancard  or 
FIS  provides  the  other  with  written  notice  of  non-renewal  at  least  one-hundred 
eighty (180) days' prior to the expiration of the Term or Renewal Term. 

3.0

Services.

3.1 Description.    FIS  shall  provide  to  those  Program  Members 
identified to it from time to time by Bancard (i) the credit card services described 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 2 of 46

   
in Schedule A and Schedule K (the “Credit Card Program Services”), and (ii) the 
Merchant Services described in Schedule C (the “Merchant Program Services”), all 
of  which  are  attached  to,  and  fully  incorporated  into,  this  Amended  Agreement.  
Bancard  shall  identify  to  FIS  each  Program  Member  with  which  Bancard  has 
executed  a  Financial  Services  Agreement  to  provide  the  Credit  Card  Program 
Services and Merchant Program Services.  The Credit Card Program Services and 
the  Merchant  Program  Services  are  collectively  hereinafter  referred  to  as  the 
“Program Services”.  

3.2

FIS offer to Program Members.  With respect to any  Program 
Member  that    initiates  contact  with  FIS  about,  or  is  solicited  directly  and 
knowingly by FIS for, credit card processing services, that has an agreement with 
FIS  as  a  direct  customer(s)    (i.e.,  independent  of  the  Bancard  and  the  Bancard 
Program)  that  is  seeking  additional  services  from  FIS  that  are  available  in  the 
Bancard  Program, and  whose  agreement with  FIS  will expire within 180  days  of 
the first documented contact or solicitation, FIS shall initially offer such  Program 
Member the opportunity to participate in the Bancard Program.  FIS shall promptly 
advise Bancard of the sales opportunity, following the time of such initial contact 
or  solicitation,  including  the  name  of  the  Program  Member.    The  parties 
acknowledge  and  agree  that  whether  any  such  Program  Member  wishes  to 
participate in the Bancard Program, pursuant to the foregoing, is at such Program 
Member’s sole discretion, and further, that FIS may provide an FIS product and/or 
service should such Program Member wish to receive services from FIS, after the 
Bancard Program has been offered to such Program Member.  

4.0

Termination.

4.1 By Bancard.  Bancard may terminate this Amended Agreement:

FIS's right or ability to provide the Program Services;

(a)

in the event of the loss or termination, for any reason, of 

(b)

subject  to  Section  4.9  herein  below,  in  the  event  FIS 
commits  any  material  breach  of  its  obligations  under  this  Amended  Agreement, 
and such breach is not cured within thirty (30) days of FIS's receipt of notice of the 
breach.    A  "Material  Failure"  as  defined  in  Section  9.0  herein  and  an  "Adverse 
Event" as defined in Section 4.9 herein, shall each constitute a material breach of 
this Amended Agreement by FIS within the meaning and intent of this Section 4.1;

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 3 of 46

(c)

upon  any  affirmative  act  of  insolvency  by  VISA  or 
MasterCard  or  affiliated  networks  or  upon  the  filing  by  VISA  or  MasterCard  or 
affiliated  networks  of  any  action  under  any  reorganization,  insolvency  or 
moratorium law, or upon the appointment of any receiver, trustee or conservator to 
take  possession  of  the  properties  of  VISA  or  MasterCard  or  affiliated  networks; 
provided, however, that such an act or event by or relating to VISA or MasterCard 
or  affiliated  networks,  but  not  to  both,  shall  not  terminate  this  Amended 
Agreement  with  regard  to  the  other,  provided  FIS  remains  able  to  provide  the 
Program Services to other card associations or networks;

(d)

to the extent permitted by applicable law, upon the filing 
by FIS of any action under any reorganization, insolvency or moratorium law, or 
upon the appointment of any receiver, trustee or conservator to take possession of 
its properties.

4.2 By FIS.  FIS may terminate this Amended Agreement:

in the event Bancard commits any material breach of its 
obligations  under  this  Amended  Agreement,  and  such  breach  is  not  cured  within 
thirty (30) days of Bancard's receipt of notice of the breach; 

(a)

(b)

to the extent permitted by applicable law, upon the filing 
by Bancard of any action under any reorganization, insolvency or moratorium law, 
or upon the appointment of any receiver, trustee or conservator to take possession 
of its properties; or

(c)

upon  any  affirmative  act  of  insolvency  by  VISA  or 
MasterCard  or  affiliated  networks  or  upon  the  filing  by  VISA  or  MasterCard  or 
affiliated  networks  of  any  action  under  any  reorganization,  insolvency  or 
moratorium law, or upon the appointment of any receiver, trustee or conservator to 
take  possession  of  the  properties  of  VISA  or  MasterCard  or  affiliated  networks; 
provided, however, that such an act or event by or relating to VISA or MasterCard 
or  affiliated  networks,  but  not  to  both,  shall  not  terminate  this  Amended 
Agreement  with  regard  to  the  other,  provided  FIS  remains  able  to  provide  the 
Program Services to other card associations or networks.

4.3 

In  the  event  of  termination  of  this  Amended  Agreement 
pursuant  to  Section  4.1(a),  (b)  (c)  or  (d),  or  in  the  event  of  non-renewal  of  this 
Amended  Agreement  by  either  party  upon  the  expiration  of  the  Term  or  any 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 4 of 46

Renewal  Term  pursuant  to  Section  2.0    above,  neither  Bancard  nor  Program 
Members shall be required to pay to FIS the Termination Fees (defined in Section 
4.4 below) or any other fees or charges other than those which may have become 
due for Program Services rendered hereunder prior to the termination or expiration.  

4.4

In  the  event  of  termination  by  any  Program  Member  of  the 
Program Services on Schedules A, C, and/or K with respect to all or substantially 
all  of  its  accounts  falling  under  that  Program  Service,  for  any  reason  whatsoever 
other  than  upon  termination  or  expiration  of  this  Amended  Agreement  due  to 
circumstances  described  in  Section  4.3  above,  or  except  as  may  otherwise  be  
provided  in  this Amended  Agreement,  Bancard shall  pay  to  FIS  termination  fees 
(the “Termination Fees”) equal to the greater of (i) the Deconversion Fees set forth 
in the applicable Schedule for the Program Services terminated, or (ii) the sum of 
(a)  an  amount  equal  to  the average  of  the  last  six  (6)  months  of  fees  for  Core 
Services,  other  than  Pass  Through  Fees,  for  the  Program  Services  terminated, 
multiplied  by  twelve  (12),  with  the  exception  of  Merchant  Program  Services 
(under Schedule C) which are addressed in Subsection 4.4(ii) (b) below, provided, 
however, that no Termination Fees shall be charged to Program Members that sell 
portfolios to other Program Members, and (b) if the Schedule C Merchant Program 
Services    are  terminated,  that  Program  Member's  fees,  other  than  Pass  Through 
Fees,  for  Schedule  C Merchant  Program  Services  for  the  preceding  three  (3) 
months;  provided,  however,  that  the  foregoing  shall  not  apply  to  or  serve  to 
modify,  amend  or  limit  any  agreement(s)  and/or  the  service(s)  thereunder  that  a 
Program Member has with FIS directly or amounts, including liquidated damages 
or  termination  fees,  due  thereunder.    Notwithstanding  the  above,  in  the  event  a 
Program Member only terminates the Services in Schedule C and retains the other 
Program Services being provided under other Schedules, then neither Bancard nor 
such  Program  Member  shall  be  required  to  pay  FIS  any  Termination  Fees  under 
Schedule C.  For each termination of Program Services by a Program Member, FIS 
shall  provide  Bancard  a  written  accounting  of  the  Fees  to  be  assessed,  if  any, 
including  an  explanation  of  the  Fee  calculation.   Notwithstanding the  assessment 
and  collection  of  the  above  amounts,  nothing  in  this  Amended  Agreement  shall 
limit the legal and equitable remedies, which would otherwise be available to FIS 
in  the  event  of  termination  of  this  Amended  Agreement  following  a  material 
breach of this Amended Agreement by Bancard.

4.5 Cooperation.    Upon  termination  of  this  Amended  Agreement 
pursuant  to  Section  4.1,  FIS  will  use  commercially  reasonable efforts  to  assist 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 5 of 46

Bancard in arranging for access to the Program Services on substantially the same 
terms as are provided in this Amended Agreement so that Program Members may 
continue  receiving  similar  services  without  substantial  interruption.    FIS  and 
Bancard  will  cooperate  to  effect  an  orderly  conversion  of  accounts  and  data  to  a 
successor  card  processing  institution.    As  requested  by  FIS,  Bancard  shall 
cooperate to affect the reclamation of cards, checks and drafts issued in connection 
with  the  Program  Services.    Except  as  otherwise  provided  in  Section  4.9  or  21.2 
herein, within fourteen (14) days after the termination of this Amended Agreement, 
Bancard shall send to each Program Member via first class U.S. mail a letter in a 
form mutually agreed to by Bancard and FIS.

4.6 Rights of Parties to Funds.  Upon expiration and non-renewal, 
or termination of this Amended Agreement for any reason, the respective rights of 
the parties to funds in any and every account over which more than one party has 
signature authority shall be governed by the provisions of Section 7.0 hereof.

4.7 Notifications.    Upon  the  occurrence  of  any  event  noted  in 
Sections  4.1  and  4.2 above,  the  party  first  having  knowledge  of  such  event  shall 
notify  the  other.  Except  as  may  otherwise be  provided  herein,  Bancard  shall 
require  each  Program  Member  desiring  to  terminate  the  Program  Services  for 
reasons other than those in Section 4.1 to provide FIS not less than six (6) months 
advance written notice.

4.8

Prohibited  Solicitation.    In  the  event  of  (i)  a  termination  of  this 
Amended Agreement by Bancard pursuant to Section 4.1(b), (ii) a termination of 
this  Amended  Agreement  by  FIS  without  cause  prior  to  the  expiration  of  the 
current  Term  or  Renewal  Term,  or  (iii)  FIS’s  non-renewal  of  this  Amended 
Agreement pursuant to Section 2.0 herein above upon terms and conditions that are 
substantially  similar  to  those  set  forth  herein  in  light  of  then  current  market 
conditions,  then  FIS  agrees  that  for  a  period  of  twelve  (12)  months  from  the 
effective  date  of  termination,  FIS,  its  subsidiaries  and  affiliates,  on  their  own 
behalf  or  as  program  administrator  for  the  Program  Member  Benefit  Association 
("FIBA")  shall  not,  directly  or  indirectly,  engage  in  Prohibited  Solicitation  (as 
defined below) of Program Members to continue receiving the FIS Services  that 
they are receiving from FIS through Bancard and the Bancard Program, from FIS 
directly  as  direct  customers  of  FIS  with  an  agreement(s)  directly  with  FIS,  its 
subsidiaries, affiliates, or as members of FIBA, or as a direct customer of any other 
entity  which  is  a  customer  of  FIS,  its  subsidiaries,  affiliates,  without  the  prior 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 6 of 46

written approval of Bancard.  For the avoidance of doubt, the foregoing restriction 
shall not serve to limit or restrict in any respect (a) FIS’s, or any of its subsidiaries’ 
or  affiliates',  promotional,  sales  or  solicitation  activities  related  to  FIS’s  products 
and  services  that  are  not  related  to,  or  for  which,  the  FIS  Services,  are  not  the 
principal product for or integral part thereof, such as, by way of example, and not 
by way of limitation, core banking, bill payment, electronic banking and other such 
services  and  products  related  thereto,  or  (b)  FIS’s,  or  any  of  its  subsidiaries’  or 
affiliates', ability to do business with and to provide the FIS Services to or through 
other  membership  or  trade  associations  that  are  comprised  of  and/or  formed  in 
support of financial institutions which may or may not be competitors of Bancard. 
For purposes of this Section 4.8, “FIS Services” means authorization, processing, 
clearing  and  settlement  services,  fraud  and  risk  management,  chargeback  and 
dispute  services  for  credit  card issuing  activities.    For  the  avoidance of  doubt,  in 
the event of a termination of this Amended Agreement by Bancard without cause 
prior  to  the  expiration  of  the  current  Term  or  Renewal  Term  or  Bancard’s  non-
renewal  of  this  Amended  Agreement  pursuant  to  Section  2.0  herein  above,  FIS 
shall not be subject to the restriction set forth in this Section 4.8.         

"Prohibited  Solicitation"  within  the  meaning  of  this  Section  means 
initiating  any  written  or  oral  communication  with  Program  Members,  directly  or 
indirectly,  which  is,  or  may  be  construed  by  Program  Member  as,  a  direct  or 
indirect  request  or  inducement  to  Program  Members  to  continue  to  receive 
Program Services from FIS, its subsidiaries, affiliates, or as a member of FIBA or 
any  other  entity  which  is  a  customer  of  FIS,  its  subsidiaries,  affiliates,  or  is  a 
member  of  FIBA,  following  the  expiration  or  termination  of  this  Amended 
Agreement,  without  the  prior  written  consent  of  Bancard.  Prohibited  Solicitation 
shall  include,  but  not  be  limited  to,  invitations  to  educational  or  other  seminars 
which  FIS,  its  subsidiaries,  affiliates  or  FIBA  sponsor,  or  in  which  it or  they 
participate;  promotional  or  other  information  concerning  FIS,  its  subsidiaries, 
affiliates  or  FIBA,  including  financial  information;  and  general  information 
concerning services and prices. Prohibited Solicitation shall not include changes in 
services  or  prices  as  permitted  under  this  Amended  Agreement  and  information 
needed  by  Program  Members  in  order  for  FIS  to  effect  the  deconversion  of 
Program Members.

4.9 Adverse  Events.    In  the  event  that  during  the  Term  or  any 
Renewal  Term(s)  Bancard  reasonably  determines  that  specific  acts  or  events 
("Adverse Events") by FIS or its subsidiaries or affiliates, have adversely affected, 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 7 of 46

  
or would adversely affect, to a substantial degree, (i) the goodwill and reputation of 
Bancard  with  members  of  the  Independent Community  Bankers  of  America 
(“ICBA”), and (ii) Bancard’s business, and that such adverse effect would continue 
if  Bancard  continued  its  relationship  with  FIS  under  this  Amended  Agreement, 
Bancard shall notify FIS of its intention to terminate this Amended Agreement.  In 
such  event  FIS  and  Bancard  shall  make  every  good  faith  effort  to  mutually 
overcome  the  effects  of  the  Adverse  Event.  If  the  matter  is  not  resolved  to  the 
satisfaction  of  Bancard  within  sixty  (60)  days  after  such  notice,  the  issue  of 
whether  an  Adverse  Event  has  occurred  shall  be  submitted  to  binding  arbitration 
pursuant  to  the  provisions  of  Section  16  hereof.  It  is  agreed,  however,  that  this 
Section 4.9 cannot be used to terminate this Amended Agreement because FIS has 
exercised  its  rights  against  a  Program  Member  or  taken  action  on  behalf  of 
Bancard against a Program Member pursuant to FIS’s rights under this Amended 
Agreement.

If  FIS  accepts  Bancard's  notice  of  its  desire  to  terminate,  or  if  the 
arbitrators determine that an Adverse Event has occurred, then the effective date of 
termination shall be one (1) year from the date of such notice or from the date on 
which the arbitration award is rendered, as the case may be, or such other date as 
the  parties  mutually  agree.    Within  fourteen  (14)  days  after  FIS's  acceptance  of 
Bancard's  notice  or  the  rendering  of  the  arbitration  award,  as  the  case  may  be, 
Bancard shall send to each Program Member via first class U.S. mail a letter in a 
form  mutually agreed to by the parties. An Adverse Event under this Section 4.9 
shall  be  deemed  to  be  a  material  breach  of  this  Amended  Agreement  within  the 
meaning and intent of Section 4.1(b) herein.

4.10 Termination for Convenience. Bancard and Program Members 
may  elect  to  terminate  the  FIS  Services  (as  defined in  Section  4.8  above)  with 
respect to  all or  a  portion (“Partial Termination”)  of  their accounts upon not  less 
than  one  hundred  eighty  (180)  days'  prior  written  notice,  subject  to  payment  of 
Termination Fees equal to twelve (12) months of Core Service fees (based on the 
average of the six (6) months' fees for the Core Services prior to termination).  For 
Program  Members  that  have  provided  notice  to  FIS  of  a  Partial  Termination, the 
Termination Fees under this Section 4.10 will be prorated based on the percentage 
of  the  Member's  total  accounts  terminated.  Program  Members  may  terminate 
without penalty should FIS fail to achieve any Material Service Level Agreement 
(“SLA”) (as defined in Exhibit 1) for three (3) consecutive months in any twelve 
(12)  month  period.  The  Termination  Fees  under  this  Section  4.10  shall  be  in 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 8 of 46

addition to Program Member’s payment of applicable deconversion fees. FIS will 
use  commercially  reasonable  efforts  to  complete  portfolio  conversions  required 
following termination of FIS Services within nine (9) months following notice of 
termination,  subject  to  the  Program  Member’s  cooperation  in  and  support  of  the 
deconversion activities.

4.11    Program Member Retention. In the event that Bancard receives 
written notice from an existing Program Member that it desires to investigate other 
card  processor  options  for  all  or  a  portion  of  its  total  customer  accounts,  then 
during  the  ninety  (90)  day  period  immediately  following  such  notice  ("Program 
Retention  Period"),  Bancard  and  FIS  shall  make  a  good  faith  effort  with  the 
Program Member to retain those accounts. The Program Retention Period shall run 
concurrently with the one hundred eighty (180) day Program Member termination 
notice  period  provided  in  Section  4.10  of  this  Amended  Agreement  and  Section 
4.1(b) of the Financial Services Agreement. In the event that FIS receives written 
notice  from  an  existing  Program  Member  that  it  desires  to  investigate  a  direct 
processing relationship with FIS for all or a portion of its total customer accounts, 
during  the  90-day  period  immediately  following  such  notice  ("FIS  Retention 
Period"),  FIS  shall  make  a  good  faith  effort  with  the  Program  Member  to  retain 
those accounts on the Bancard Program.

Bancard  agrees  not  to  specifically  target  for  solicitation,  or 
allow  a  competitor  processing  partner  to  specifically  target  for  solicitation,  any 
Program Member on the FIS system during the Term and any Renewal Term(s) of 
this  Amended  Agreement,  unless  the  Program Member  first  requests  information 
and/or  introduction  to  the  competitor  processor.  Bancard  further  agrees  not  to 
provide a FIS Program Member client list to any competitor partner or third party 
for the purpose of soliciting Core Services from existing Program Members on the 
FIS system, such being subject to the confidentiality obligations under Section 11 
herein  below. Bancard  may  convert  up  to  a  total  of  one  hundred  thousand 
(100,000)  cardholder  accounts  residing  on  the  FIS  processing  system  to  other 
service providers without penalty to Bancard or Program Members, except for the 
payment  of  FIS’s  standard  de-conversion  fees  which  shall  not  exceed  $1.05  per 
account.

4.12 Post-termination  conversion.  Upon  the  final  expiration  of  this 
Amended  Agreement  or  its  earlier  termination,  Bancard  shall  have  up  to  twelve 
(12) months after the effective date of termination to de-convert its accounts at the 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 9 of 46

fees in place immediately prior to termination. 

5.0

FIS Exclusivity.

5.1 Core  Services.  During  the  Term  and  any  Renewal  Term(s)  of 
this  Amended  Agreement,  FIS  shall  be  the  exclusive  third  party  service  provider 
for authorizations, processing, clearing and settlement, fraud and risk management, 
chargeback  and  dispute  services  for  credit  card  issuing  activities  (the "Core 
Services") for Program Member cardholder accounts residing on a FIS processing 
system  as  of  the  Effective  Date  of  this  Amended  Agreement.  New  credit 
cardholder accounts acquired by Program Members after the Effective Date of this 
Amended Agreement shall be non-exclusive to FIS and may be placed with other 
providers. 

5.2 Non-core  Services.    (a)  Except  as  provided  otherwise  in  this 
Section  5.2,  Non-Core  Services (as  defined below)  shall  be  non-exclusive to  FIS 
for  Bancard and  all Program  Members,  and Bancard and Program  Members  may 
enter  into  separate  agreements  for  those  services  directly  with  another  vendor  or 
service  provider  (which,  in  the  case  of  Program  Members,  includes  Bancard); 
provided, however, that if Bancard receives merchant services from Total Systems 
Services,  Inc.  and/or  any  of  its  subsidiaries,  affiliates  or  agents,  it  shall  do  so 
through FIS.  In connection therewith, FIS shall provide certain data to such other 
vendor  or  service  provider  in  accordance  with  Section  5.2(b).    In  no  event, 
however,  shall  FIS  be  required  or  obligated  to  provide  any  such  other  providers 
with FIS’s proprietary, confidential information, including, but not limited to FIS’s 
intellectual property, business or system techniques, know-how, or access to FIS’s 
system.    “Non-Core  Services”  means  customer  contact  services,  card  application 
processing,  card  and  statement  production,  collections  and  recoveries,  rewards 
processing and fulfillment, remittance processing and merchant services. Bancard 
agrees to include and permit FIS to participate in any bidding process it conducts 
to provide any of the Non-Exclusive Services.

(b)  The  parties  acknowledge  that  in  connection  with  and/or  in  order  for 
Bancard and/or a Program Member to receive Non-Core Services from any other 
vendor  or  service  provider,  as  contemplated  by  Section  5.2(a),  Bancard  and/or  a 
Program Member may request that FIS transfer data to such other other vendor or 
service  provider.    Any  such  data  transfer request  shall  be  made  in  writing  and  is 
subject  to  the  following.    If  a  Program  Member  desires  for  FIS  to  provide  data 
pertaining  to  that  Program  Member  to  a  vendor  or  service  provider,  Program 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 10 of 46

Member shall provide FIS with written authorization to make such data transfer, in 
a form acceptable to FIS, and shall indemnify FIS, pursuant to Section 27 of this 
2011  Renewal Service Agreement  for  claims pertaining  to  such  data transfer and 
the  performance  of  any  such  other  vendor  or  service  provider.    In  addition,  FIS 
may  require  that  any  such  vendor  or  service  provider  enter  into  a  written 
agreement(s) with FIS governing the transfer of such data; provided, however, that 
TCM Bank, N.A., a wholly owned subsidiary of Bancard, shall be excepted from 
the  requirements  of  this  Section.    The  content,  format,  frequency  and  timing  of 
transmittal  for  such  data  file  transmissions  shall  be  in  accordance  with  FIS’s 
standard  message  and  file  format,  specifications  and  process  for  that  type  of 
transmittal,  and  subject  to  FIS’s  fees  and  charges  related  thereto  as  set  forth  on 
Schedules  A,  C and  K,  unless  otherwise  mutually  agreed  to  in  writing  by  the 
parties.    Upon  the  foregoing  being  satisfied,  FIS  agrees  to  use  commercially 
reasonable  efforts  to  provide  such  data  file  transmittal  in  a  commercially 
reasonable and timely manner.           

(c)  As  between  Program  Member  and  FIS 

(including  any  FIS 
subcontractors),  Program  Member  is  the  exclusive  owner  of  all  of  its  Program 
Member  Data  in all forms  and  formats, and  FIS  hereby waives  any  right, title or 
interest  thereto.  Access  to  Program  Member  Data  by  FIS  is  strictly  limited  to  its 
use  in  providing  the  Program  Services  and  is  subject  to  the  confidentiality 
provisions  of  Section  11  below.  Without  the  express  prior  written  consent  of 
Program  Member,  which  consent  may  be  withheld  in  Program  Member's  sole 
discretion,  FIS  is  prohibited  from  (a)  using  Program  Member  Data  other  than  in 
connection  with  providing  the  Program  Services;  and (b)  disclosing,  selling, 
assigning,  leasing  or  otherwise  providing  Program  Member  Data  to  third  parties. 
FIS shall return to Program Member all Program Member Data upon expiration or 
earlier  termination  of  this  Amended  Agreement  in  such  format  as  Program 
Member may reasonably request.

5.3 Acquired  Portfolios. All  credit  card  and  merchant  portfolios 
acquired  by  Bancard  and  Program  Members  after  the  Effective  Date  of  the 
Original Agreement are non-exclusive to FIS. In the event any such portfolios are 
placed with FIS, all standard conversion fees as set forth in the Schedule A, C or K
hereto will be waived; any non-standard, customized or special services that may 
be requested will be subject to the applicable fees, such as FIS’s then current fees 
for professional services.

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 11 of 46

6.0

Fees; Merchant Settlement; Other Services.

6.1

(a)  Scheduled  Fees.    In  consideration  for  provision  of  the 
Program Services to Program Members by FIS, Bancard shall be responsible for all 
Program  Members  paying  to  FIS  the  fees  set  forth  in  Schedules  A,  C,  and  K
attached  to  this  Agreement  (collectively,  the  “Scheduled  Fees”).    The  Scheduled 
Fees shall be effective as of the dates shown on each Schedule and shall remain in 
effect until changed pursuant to the terms of this Amended Agreement.  Bancard 
shall  indemnify  and  hold  FIS  harmless  from  any  and  all  losses  incurred  as  the 
result  of  a  Program  Member’s  failure  or  refusal  to  pay  FIS  any  uncontested 
Scheduled Fees.

(b) Cost Certainty. All fees for Core Services, except for Pass-
Through fees, shall be fixed and may not be increased during the Term; such fees 
are subject to change once during each Renewal Term. Commencing two (2) years 
after  the  Effective  Date  of  the  Original  Agreement, Fees  for  Non-Core  Services 
shall be subject to a one-time increase no greater than the increase in the CPI for 
all  Urban  Consumers,  unless  FIS  has  failed  to  achieve  a  Material  Service  Level 
Agreement in any of the three (3) months immediately preceding the effective date 
of  any  such  price  increase.    FIS  will  provide  Bancard  with  at  least  one-hundred 
eighty (180) days' prior written notice of any increase by FIS to the Fees pursuant 
to this Section 6.1(b).  

6.2

Settlement of Fees.  For those Program Services for which FIS 
settles daily for  Program Members,  processing fees  shall  be  settled each banking 
day  for  the  applicable  transactions  and  shall  be  payable  by  deduction  from  the 
applicable Program Member's daily settlement amount.  Fees for all other Program 
Services shall be invoiced monthly, payable ten (10) days after the invoice date. In 
no event will the amount of any Termination Fees that are due FIS under Sections 
4.3, 4.4 or 10.2 hereof that a Program Member is disputing the amount of in good 
faith be deducted by FIS from any settlement account, BIN, ICA or otherwise.

6.3 Bancard's Financial Responsibility.  As to FIS, as agent for the 
Program  Members,  Bancard  assumes  financial  responsibility  for  all  VISA  and 
MasterCard  transactions  processed  into  and  out  of  its,  or  a  Program  Member’s, 
Base  Identification  Number  (BIN)  Account  and  its,  or  a  Program  Member’s, 
Interbank  Card  Association  (ICA)  Account  including,  but  not  limited  to, 
counterfeit transactions and fraudulent transactions.  Bancard shall indemnify FIS 
for any and all losses FIS incurs related to such transactions, which losses were not 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 12 of 46

caused by FIS's actions or omissions in performance of the Program Services.  FIS 
is expressly prohibited from using Bancard’s, or a Program Member’s, BIN or ICA 
Account for the benefit of any person or organization other than Program Members 
in the Bancard Program, or for any purpose other than processing transactions for 
such Program Members, without the prior express written consent of the applicable 
VISA or MasterCard principal member.

6.4

Time  Frame  for  Merchant  Settlement.    FIS  shall  remit  to  the 
Settlement Account the amount of all VISA and MasterCard merchant transactions 
from  each  Program  Member  no  more  than  two  (2)  business  days  following  FIS's 
receipt  of  such  merchant  VISA  and  MasterCard  transactions  from  a  Program 
Member, except for delays resulting from those events provided for in Section 33.0 
(Force Majeure) herein.

6.5 Most Favored.  If during the  Term, FIS signs a new or renewal 
contract  for  services  similar  to  Credit  Card  Program  Services  and  Merchant 
Program  Services  with  any  other  association  of  community  banks  which  has 
approximately  the  same  or  comparable  Credit  Card  and  Merchant  transaction 
volumes for approximately the same or comparable group of services and levels of 
support  as  the  Credit  Card  and  Merchant  Program  Services  and  support  being 
provided  to  the  Bancard  Program  and  on  substantially  similar  contractual  terms 
and conditions, then within fifteen (15) business days after that contract is signed 
or  made  public  (in  the  case  of  a  contract  which  is  required  to be  publicly 
disclosed),  FIS  shall  give  Bancard  written  notice  of  that  fact  and  shall  provide  a 
schedule of the basic terms that will govern the credit card and merchant services 
to  be  provided  and  the  rates,  including  any  provisions  for  rate  increases  or 
decreases,  to  be  charged  to  the  members  of  that  other  association  (the  "Rate 
Structure").    Bancard  shall  have  the  right  to  elect  to  have  the  Rate  Structure 
substituted for Bancard’s then current rates and terms, which election it may make 
only by giving written notice to FIS within thirty (30) days following receipt of the 
Rate  Structure  from  FIS;  provided,  however,  that  FIS  then  shall  be  entitled  to 
provide the Program Services on the same basic terms under which they are being 
provided  to  the  other  association.    If  Bancard  elects  the  other  association's  Rate 
Structure, it shall become effective on a reasonable date to be mutually agreed by 
the parties, which date shall be at least thirty (30) days from Bancard's election and 
which shall be the first calendar day of a month.

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 13 of 46

6.6 Other  Services.    Except  as  provided  otherwise  in  Section  3.2, 
FIS may elect to offer and make available one or more services that are in addition 
to the  services set  forth in  Schedules A,  C and  K hereto (the "New  Services") to 
Bancard, or to the Program  Members as part of or in connection with the Bancard 
Program.  New  Services  shall  include  any  credit  card  or  merchant  processing 
services and services related thereto for which credit card or merchant processing 
is the principal service or is an integral part thereof. Prior to offering any such New  
Services  to  the  Program    Members  as  a  part  of  the  Bancard  Program,  FIS  shall 
provide Bancard, for its prior comment and approval, a complete description of the  
New  Service(s),  the  proposed pricing  and  the  SLAs  for  each  such  New  Service. 
The terms of agreement between Bancard and FIS on any such New Services shall 
be documented by written amendment to this Amended Agreement.  For avoidance 
of doubt, the requirements under this Section 6.6 shall not apply to or serve to limit 
FIS’s  marketing and provision of product and services that are offered separately 
from and independent of the Bancard Program, as part of FIS’s general marketing 
activities in the ordinary course of its business, or services requested by a Program 
Member that initiates contact with FIS.  FIS shall not be responsible or obligated 
for any services Bancard provides to Program Members which are not included in 
this  Amended  Agreement  including,  but  not  limited  to,  advertising,  research  and 
development, taxes allocated to property owned by Bancard, and insurance.

7.0

Program Clearing, Settlement and Payment Accounts.

7.1

Program  Clearing  Account.    As  agent  for  Program  Members, 
Bancard  shall  maintain  a  demand  deposit  account  (the  "Program  Clearing 
Account"  or  "PCA")  for  daily  settlement  of 
transactions,  charges  and 
reimbursements.

7.1.1 Access.    FIS  may  access  the  PCA  for  the  following 

purposes:

cardholder amounts due to/from VISA and MasterCard; and

(a)

daily  settlement  of  all  VISA  and  MasterCard 

transactions previously processed; and

(b)

daily  settlement  of 

fees  due  FIS 

for 

the 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 14 of 46

(c) monthly  settlement  of  fees  and  charges  due  FIS,
other than processing fees, such access permitted not less than ten (10) days after 
the invoicing of such fees and charges to Bancard; and

(d)

daily settlement of all dues, fees, assessments and 
other charges due FIS for, without limitation, the combined warning bulletin fees, 
interchange  fees,  VISA  and/or  MasterCard  Association  fines  or  other  charges,  if 
any, and assessments; and

(e)

daily  payment  of  any  interest  due  FIS  for  funds 
FIS paid to VISA or MasterCard on behalf of Bancard that Bancard did not have 
available to FIS in the PCA ("PCA Shortfall").  Bancard shall pay FIS interest at 
the  base  rate  charged  by  the  clearing  bank  for  the  Bancard  Program,  plus  one 
percent (1%) for all PCA Shortfall; and

funds in the PCA.

(f)

daily  investment  for  Bancard's  benefit  of  surplus 

7.1.2 Minimum  Balance.    For  Credit  Card  Program  Services 
and Debit Card Program Services, Bancard shall maintain at all times in the PCA a 
minimum balance ("Minimum Balance") equivalent to the product of the following 
equation:

[Average  Daily  Sales  (as  defined  below)]  x  [type  of  settlement  (3 
days)].  
“Average Daily Sales” shall be calculated as follows: [net sales for the 
month] ÷ [number of processing days (22 days)] 

The elements of the above equation shall be adjusted quarterly by FIS, 
or more often if deemed necessary by FIS and Bancard, based on the actual volume 
of the previous month and seasonal factors, in all cases with advance written notice 
to Bancard.

7.2

Settlement.

7.2.1 Settlement Account.  Bancard shall require each Program 
Member  to  maintain  at  all  times  a  demand  deposit  account  (the  "Settlement 
Account" or "SA") for the purpose of replenishing the PCA so that an amount no 
less  than  each  Program  Member’s  pro  rata  share  of  the  Minimum  Balance  is 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 15 of 46

maintained  at  all  times.    Bancard  and/or  FIS  through  the  Automated  Clearing 
House  ("ACH")  or  wire  transfer  at  Bancard's  expense,  may  access  each  SA  on  a 
daily basis to transfer to the PCA a sum equivalent to the product of the following 
equation:

[Program  Member's  anticipated  cardholder  base  for  the  next  ninety 
(90)  days  or  two  hundred  (200),  whichever  is  greater]  x  2.5 
(anticipated  transactions  per  cardholder  account  per  month)  x  52 
(anticipated 
(anticipated  average 
transactions  per  cardholder  account  per  month)  x  52  (anticipated 
average transaction amount) ÷ 21.5 (average business days per month) 
x 3 (average number of days required for clearance of transfers from 
Program Members into the PCA). 

transaction  amount)  x  2.5 

The elements of the above equation shall be adjusted quarterly by FIS, 
or more often if deemed necessary by FIS and Bancard, based on the actual volume 
of the previous month and seasonal factors, in all cases with advance written notice 
to  Bancard  and  each  Program  Member.    Bancard  shall  require  each  Program 
Member to maintain at all times in the SA an amount equal to the product of the 
equation expressed above in this Section 7.4, as adjusted from time to time.

7.2.2 Settlement 

to  Program  Members  processing  on 
BASE2000.    Program  Members  receiving  FIS  Services  under  Schedule  K shall 
each  establish  a  Settlement  Account  in  the  Program  Member’s  name  to  enable 
VISA  and/or  MasterCard  to  settle  transactions,  dues,  fees,  assessments  and  other 
amounts  directly  to  the  Program  Member  Settlement  Account.    The  Program 
Member  shall  maintain  sufficient  balances  in  the  Settlement  Account  to  enable 
such VISA and/or MasterCard settlements.  Neither Bancard nor FIS shall bear any 
responsibility  or  liability  for  funding  of  the  Program  Member’s  Settlement 
Account.

7.3

Payment  Account.    As  agent  for  Program  Members,  Bancard 
shall establish a demand deposit account for deposit of payments made to Bancard 
and  Program  Members  ("Payment  Account").    FIS  may  access  such  Payment 
Account to deposit payments received from cardholders and to transfer sums to the 
appropriate Program Member Settlement Account.

7.4 Reporting.  FIS shall furnish to Bancard on a monthly basis (a)
detailed  information  including  bank  statements  and  reconciliation  statements  for 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 16 of 46

the PCA; (b) a monthly statement of each day's interchange fees; and (c) such data 
as may be reasonably requested by Bancard and/or any Program Member.  FIS also 
shall furnish to each Program Member daily statements of settlements with VISA, 
MasterCard and FIS.

7.5 Audit  by  Bancard.    Bancard  shall  have  the  right  to  receive  an 
annual  Statement  from  FIS's  outside  certified  public  accounting  firm,  at  FIS’s 
expense, in the form such Statement is normally prepared for FIS's regular audits, 
which  confirms  that  the  firm  has  examined  FIS’s  operations  and  that  the  reports 
furnished to Bancard and Program Members are accurate and based upon generally 
accepted accounting principles.

7.6

Audit  by  Program  Members.  Upon  at  least  ten  (10)  business 
days’  prior  written  notice  to  FIS,  Program  Members  and  Bancard  shall  have  the 
right  to  audit  FIS's  records  maintained  in  the  ordinary  course  of  its  business 
regarding the services performed under this Amended Agreement and verification 
of  fees  paid  to  FIS  in  connection  therewith,  as  well  as  for  the  purpose  of 
determining  the  adequacy  of  procedures  for  complying  with  the  confidentiality 
obligations under Section 11 of this Amended Agreement. Program Members shall 
be  limited  to  no  more  than  one  (1)  audit  per  calendar  year  during  the  Term  and 
each of the Renewal Term(s). Any audit under this Section 7.6 shall be conducted 
during  FIS’s  normal  business  hours,  in  a  manner  that  does  not  interrupt  FIS’s 
business activities, and subject to FIS’s site security guidelines which may include 
FIS’s  site  confidentiality  agreement  and  Program  Member  and  Bancard  being 
escorted  by  FIS’s  personnel  while  on  site,  for  the  purpose  of  verification of  data 
security  access  procedures.    Notice  for  any  audit  under  this  Section  7.6  must 
specify the scope of the information sought and the purpose of the audit.  All audits 
must  be  reasonable  in  scope  and  duration,  and  the  auditing  party  shall  be 
responsible for the costs and expenses that it incurs in connection with conducting 
the  audit.    In  addition  to  the  foregoing, the  parties  agree that  Program  Members, 
and/or  Bancard  and  FIS  will  meet  to  review  and  agree  upon  the  scope  and 
activities of the audit at least five (5) business days before conducting an audit, and 
that the scope will not duplicate any external audit information of same or similar 
scope that FIS provides to its clients.  

8.0 Additional Obligations of Program Members.  Each Program Member 
is  bound  by  the  following  provisions  as  of  the  Effective  Date  of  the  Original 
Agreement:

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 17 of 46

8.1 Right to  Refuse Merchants.   Program  Member  shall  not  enroll 
merchants  for  participation  in  the  VISA  and/or  MasterCard  systems  through 
Bancard  or  FIS  if  such  merchants  are  within  the  categories  of  merchants
designated  by  Bancard  and/or  FIS  from  time  to  time  as  "high-risk  merchants".  
Bancard  or  FIS  shall  have  the  right  to  refuse  to  enroll,  and  may  terminate  the 
enrollment  of,  any  merchant,  if  it  determines,  in  its  sole  and  absolute  discretion, 
that  enrolling,  or  failing  to  terminate,  such  merchant  would  create  excessive  risk 
for Bancard and/or FIS.

8.2 Right to Refuse Transactions.  In the event that either Bancard 
or  FIS  determines, in  its sole  and  absolute discretion, that the  risks  related to the 
credit  card  sales  drafts  introduced  by  any  merchant  enrolled  by  any  Program 
Member are excessive, then Bancard or FIS may refuse to accept and process such 
transactions.  Bancard or FIS shall promptly notify Program Member of its refusal 
to accept and process transactions from any such merchant.

8.3 Card  Association  Requirements. 

  Program  Member  shall 
comply with all VISA and/or MasterCard and Network requirements for enrolling 
new  merchants  including,  but  not  limited  to,  the  performance  of  a  credit  check 
and/or  other  financial  background  investigation;  a  physical  inspection  of  the 
merchant's  place  of  business;  and  an  investigation  to  determine  whether  the 
merchant previously has been expelled from the VISA and/or MasterCard systems 
by  another  Program  Member  for  fraud,  suspected  fraud  or  failure  to  meet  its 
financial  responsibilities.    Program  Member  shall  examine  the  sales  drafts 
contained  in  sealed  merchant  deposits  before  forwarding  such  deposits  to  FIS  in 
order to detect possible fraud and other irregularities.

8.4

Indemnification.    Notwithstanding  any  other  provision  of  this 
Amended Agreement to the contrary, Program Member shall indemnify and hold 
harmless  FIS  and  Bancard,  and  their  respective  stockholders,  officers,  directors, 
(the 
subsidiaries, 
employees,  agents,  affiliates, 
“Indemnified Parties”), from and against any and all liabilities, obligations, losses, 
damages,  penalties,  actions,  judgments,  suits,  costs,  expenses,  fees,  including 
reasonable  attorney  fees,  or  disbursements  of  any  kind  or  nature  whatsoever  (the 
"Losses"), which may be suffered by, imposed on, incurred by, or asserted against 
the  Indemnified  Parties  in  any  way  relating  to,  or  arising  out  of,  any  VISA  or 
MasterCard  credit  card  transactions  ("Merchant  Sales")  that  are  acquired  by 
merchants  enrolled  by  Program  Member  or  an  agent  institution  of  Program 

successors  and  assigns 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 18 of 46

Member  for  the  Merchant  Program  Services  provided  pursuant  to  this  Amended 
Agreement  and/or  the  Financial  Services  Agreement,  including  counterfeit  or 
fraudulent  transactions,  credits  processed  by  a  merchant,  or  any  chargebacks  of 
Merchant  Sales.    FIS  shall  be  a  third-party  beneficiary  of  the  indemnities  in  this 
Section  8.4,  and  if  FIS  brings  any  lawsuit,  arbitration  or  other  action  against 
Program Member to enforce the provisions of this Section 8.4, the prevailing party 
shall  be  entitled  to  recover  its  reasonable  attorneys'  fees  and  costs  in  connection 
with the action.

8.5 Right to Utilize Certain Funds.  Bancard and/or FIS shall have 
the  right  to  utilize  any  amounts  payable  to  Program  Member  as  a  result  of 
transactions  in  the  MasterCard  and/or  VISA  systems  in  payment  of,  or  to 
reimburse  Bancard  or  FIS  for,  chargebacks  or  any  other  amounts  payable  by,  or 
any  other  Losses  resulting  from,  the  activities  of  any  merchants  enrolled  by 
Program  Member  or an  agent institution of  Program  Member.    Program  Member 
acknowledges  that  FIS  is  a  third  party  beneficiary  of  all  Bancard  rights  in  the 
Financial Services Agreement, and that FIS is entitled to exercise all rights given 
to it pursuant to this Section 8.5 to, among other things, apply incoming amounts to 
offset  or  recover  amounts  due  on  fraudulent  transactions  introduced  into  the 
MasterCard  and/or  VISA  systems  by  merchants  enrolled  by  Program  Member  or 
an agent institution of Program Member.  Program Member specifically agrees that 
the rights of Bancard and FIS and the obligations of Program  Member hereunder 
shall survive the expiration or earlier termination of this Amended Agreement.

9.0

Service Level Agreement ("SLA").

(a)

9.1

Compliance Requirements.    FIS shall provide the Credit 
Card  Program  Services  and  Merchant  Program  Services  hereunder  at  a  level  that 
meets or exceeds the Service Level Agreements ("SLAs" or “Standards”) set forth 
in  Exhibit  1 attached  hereto  and  incorporated  herein;  the  Standards  set  forth  on 
Exhibit 1, shall begin to apply to the Credit Card Program Services and Merchant 
Program Services beginning on October 1, 2011, as provided in Section 1.0 above 
and Section 29.0 below.  Beginning with the fourth calendar quarter for 2011 and 
at  the  end  of  each  calendar  quarter  thereafter  during  the  Term,  FIS  and  Bancard 
shall  review  FIS's  performance  for  that  quarter  in  light  of  the  Standards.    To 
facilitate  such  review,  FIS  shall  provide  Bancard  with  FIS’s  internally  generated 
standard  monthly  reports  for  SLA  performance  on  a  monthly  basis,  along  with  a 
certification  by  a  FIS  officer  verifying  their  accuracy.    The  “Standards”  are 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 19 of 46

designated  as  “high”,  “low”  or  “no”  with  respect  to  materiality,  with  a  “high” 
designation denoting a "Material Standard" for the purposes of this Section 9.0.

(b)

In the event of an SLA Failure (as defined in Exhibit 1), 
Bancard  will  be  entitled  to  receive  an  SLA  Credit  as  outlined  in  Exhibit  1.    An 
SLA Failure by FIS of one or more Material Standards, or three (3) or more of the 
other  Standards  (denoted  as  “low”  or  “no”  in  Exhibit  1)  during  any  consecutive 
three  (3)  month  period,  shall  be  deemed  a  "Material  Failure."    In  the  event  of  a 
Material Failure, FIS shall take those steps necessary to cure that specific Material 
Failure within the thirty (30) day period following the earlier to occur of (i) FIS’s 
actual  knowledge  (as  defined  below)  of  the  Material  Failure,  or  (ii)  notice  by 
Bancard to FIS of the Material Failure.  The test period to determine whether such 
cure has been accomplished shall be the thirty (30) day period following the thirty 
(30) day period for cure referred to above.  In the event that the Material Failure 
has not been cured as evidenced by FIS's reports thereon, subject to Bancard's right 
of  inspection  and  audit,  FIS  shall  have  committed  a  “material  breach”  of  its 
obligations hereunder which has not been cured within the meaning and intent of 
Section  4.1(b)  hereof,  and Bancard  may  elect  to  terminate  this  Amended 
Agreement  pursuant  thereto.  Any  such  election  to  terminate  by  Bancard  for  an 
uncured Material Failure, pursuant to the foregoing, must be exercised by Bancard 
within  ninety  (90)  days  of  such  “material breach”  having  occurred,  or  such  right 
will  be  waived.    FIS’s  “actual  knowledge”  for  the  purpose  of  this  Section  9.1(b) 
means the earlier to occur of (a) FIS’s actual knowledge based upon an event that 
is  in  and  of  itself  is  of  such  a  magnitude  (such  as  a  protracted period  of  system 
unavailability) that a Material Failure has or is reasonably likely to have occurred, 
or  (b) FIS’s  review  and  verification  in  the  ordinary  course  of  its  business 
operations of its standard internal reporting on actual performance against service 
levels for a calendar month.  

(c)

FIS  shall  designate  a  senior  operations  contact  and  a 
senior  sales  contact  as  the  Bancard  points  of  contact  and  such  designees  shall 
provide in  person  updates on  Program  status  each calendar quarter, at  a date and 
time that is mutually agreed to by the parties.  The parties acknowledge that, upon 
mutual  agreement,  such  status  meetings  may  be  conducted  by  telephone  or  web 
session, or not conducted for any one or more calendar quarters in any one or more 
year during the Term or Renewal Term.  

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 20 of 46

9.2 Right  to  Audit.    On  reasonable  notice  during  normal  business 
hours, Bancard representatives shall have the right, at Bancard's expense, to inspect 
and audit information and records in FIS's possession or control pertaining to FIS's 
compliance  with  the  Standards;  provided  that  FIS  shall  have  the  right  to  receive 
and  comment  on  any  report  prepared  by  any  representative  of  Bancard  in 
connection with any such inspection or audit prior to its dissemination to Program 
Members or other third parties.

9.3

Joint Review and New Card Processing Systems.  Bancard and 
FIS agree to an annual review of the Standards and make amendments as agreed.  
The  parties  jointly  shall  make  reasonable  modifications  to  the  Standards  when 
needed  to  apply  to  any  new  card  processing  system  or  platform  implemented  by 
FIS  during  the  Renewal  Term.    Those  modifications  shall  take  into  account  the 
differences in capability and function of any such new system.

9.4

Filing and Reporting Requirements.  On Bancard’s behalf, FIS 
agrees  to  comply  with  all  applicable  Visa  and  MasterCard  filing  and  reporting 
requirements that are required as a result of or in connection with FIS serving as a 
third party provider of services for Bancard pursuant to this Amended Agreement.  
Bancard agrees to provide information to FIS in connection with and, upon FIS’s
request, to reasonably assist FIS in, preparing and submitting such reports.  

10.0 System Enhancements.  

10.1 Bancard  and  FIS  will  negotiate  a  schedule  of  specific  system 
enhancements that FIS will provide at no additional cost to Bancard or the Program 
Members.  The parties will set forth that schedule and the terms applicable to the 
provision  of  those  enhancements  in an  amendment  to  this  Amended  Agreement.  
Further,  during  the  Term  and  any  Renewal  Term(s),  if  Bancard  requests  other 
enhancements  or  changes  to  the  Program  Services,  then  FIS  and  Bancard  will 
negotiate  whether  and  upon  what  terms  FIS  will  provide  those  enhancements  or 
changes, including additional fees which FIS may charge.  FIS reserves the right to 
make any changes to the Program Services so long as Bancard will continue to be 
able to meet its obligations to the Program Members and their customers.

10.2 New  technology.    Notwithstanding  the  provisions  of  Section 
10.1  above,  FIS  agrees  to  implement  new  technologies  on  both  FIS  processing 
platforms  upon  which  Program  Members are  implemented  for  the  Program 
Services  (as  of  the  Effective  Date,  FIS’s  TBS  and  BASE2000  platforms),  unless 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 21 of 46

otherwise  agreed  to  by  the  parties,  that  have  been  generally  adopted  within  the 
payments and merchant processing industry that are applicable to FIS’s provision 
of the FIS Services hereunder as a third party service provider within eighteen (18) 
months  of  FIS's  competitors  (providers  of  credit  card  issuer  processing  services) 
having  adopted  and  made  available  such  technologies;  provided  that  FIS  and 
Bancard  have  collaboratively  constructed  and  agreed  upon  a  business  model  that 
establishes  the  technology  investment  (such  must  comply  with  FIS’s capital 
investment  requirements,  hurdles  etc.);  and  provided  further  that  the  business 
model for a new technology is self-sustainable.  If the business model agreed to by 
the parties reflects that a new technology is not self-sustainable, FIS will not be not 
required to implement such technology pursuant to the foregoing; Bancard may, in 
such  event,  elect  to  pay  for  or  subsidize the  initiative,  as  mutually  agreed  by  the 
parties, in order for the technology to proceed to implementation.  Time spent by 
FIS on compliance with the requirements of this Section 10.2 shall not be charged 
against  the  programming  hours  under  Section  24.1  below.    In  the  event  that  FIS 
fails  to  meet  the  18  month  deadline  on  for  self-sustainable  new  technologies 
pursuant  to  the  foregoing  and  fails  to  cure  such  shortfall  within  an  additional  90 
day  period,  Program  Members  may  seek  such  new  technology  from  another 
processor  without  incurring  Termination  Fees  under  this  Amended  Agreement, 
subject  to  forty-five  (45)  days  prior  notification  and  payment  of  applicable 
deconversion fees.  

10.3 Platform  Investment. If  FIS  discontinues  funding  investments 
in the FIS TBS processing platform (i.e., in effect sunsets such platform directly or 
indirectly by no longer implementing updates to or required new functionality for 
such  platform),  FIS  agrees  to  provide  its  standard  conversion  services  to  all 
Program Members that want to convert to FIS’s BASE 2000 processing platform 
without charge and without change in pricing; provided that such conversion is a 
standard conversion, without any system enhancements, program enhancements or 
other  customizations  that  may  be  requested  by  a  Program  Member.    Any  such 
enhancement  or  customization  would  be  subject  to  FIS’s  then  current  fees  for 
professional services.  

11.0 Confidentiality and Confidential Information.  

11.1 Each of the parties to this Amended Agreement agrees to hold 
as  secret  and  confidential  information,  reports,  plans,  customer  lists,  documents, 
drawings,  writings,  samples,  statements,  audit  reports,  software,  manuals,  know

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 22 of 46

how and other proprietary material ("Confidential Information") received from the 
other  party.  "Confidential  Information"  shall  also  include  information  and  data 
concerning  the  business,  activities,  operations,  financial  results,  properties  or 
management of the Program Members or their customers prepared by or for FIS, or 
used in  any  way  by  FIS  in connection with  the provision of  Program  Services to 
Program Members and their customers, whether or not Program Members and their 
customers  are  therein identified by  name.    All  Confidential Information  provided 
from one party to the other shall remain the property of the disclosing party.  For 
purposes  of  this  Section  11.0,  Confidential  Information  shall  not  include 
information which becomes available to the public through no wrongful action of 
the  receiving  party;  which  may  be  published  prior  to  the  date  hereof;  which is 
already  in  the  possession  of  the  receiving  party  and  not  subject  to  an  existing 
agreement of confidence between the parties; which is received from a third party 
without  restriction  and  without  breach  of  this  Amended  Agreement;  which  is 
independently developed by the receiving party; or which is disclosed pursuant to a 
requirement  or  request  from  a  government  agency.    This  Amended  Agreement 
shall in no way be construed to grant any right, license, or authorization to either 
party  to  use  Confidential  Information  except  as  permitted  in  this  Amended 
Agreement.    Each  party  shall  restrict  Confidential  Information  received  from  the 
other  party  to  those  employees  and  persons  in  the  receiving  party's  organization 
with a need to know such Confidential Information in order to provide the Program 
Services  hereunder.    Such  employees  or  persons  shall  be  under  the  same 
obligations  to  hold  secret  and  confidential  such  Confidential  Information  as 
provided  herein.    FIS  may  disclose  Confidential  Information  to  its  third-party 
vendors  or  contractors  as  necessary  to  provide  the  Program  Services  under  this 
Amended  Agreement.  Before  disclosing  Confidential  Information  to  such  third-
party  vendors  or  contractors,  FIS  shall  first  secure  the  written agreement  of  such 
vendors or contractors to protect and limit the use of such Confidential Information 
as  provided  herein.    The  obligations  of  the  parties  hereunder  shall  survive  the 
expiration or earlier termination of this Amended Agreement.

11.2 Since  the  passage  of  the  Gramm-Leach-Bliley  Act  and  FACT 
Act,  regulators  of  financial  institutions  have  implemented  numerous  regulations 
dealing with data security in the outsourcing of data processing that involves non-
public,  personally  identifiable  information  about  a  consumer  (“NPI”).    For
example, each of the federal agencies that regulate financial institutions, including 
the Board of Governors of the Federal Reserve system (FRS), the Federal Deposit 
insurance  Corporation  (FDIC),  the  Office  of  the  Comptroller  of  the  Currency 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 23 of 46

(OCC) and the Office of Thrift Supervision (OTS), have established standards for 
the institutions subject to their respective jurisdiction relating to the administrative, 
technical,  and  physical  safeguards  for  customer  records  and  information  through 
implementing  regulations.    At  the  same  time,  Visa  and  MasterCard  have  joined 
with  Discover  and  American  Express  to  announce  the  implementation  of  the 
Payment  Card  Industry  Data  Security  Standards  for  the  handling,  security  and 
accountability of consumer data.  Accordingly, FIS agrees to use and protect NPI 
in  accordance  with  the  requirements  set  forth  in  Section  11.2.1  below.  Bancard 
agrees to include a provision in the Financial Services Agreements with financial 
institutions  in  the  Program  representing  that  NPI  will  be  used  and  protected  by 
Bancard  and  by  FIS,  as  its  third  party  service  provider,  in  accordance  with  such 
requirements  to  enable  financial  institution  Program  Members  to  comply  with 
applicable data security regulations.

11.2.1  (a) FIS  shall:  (i)  treat  as  confidential any  NPI  related 
to any Program Member customer that comes into its possession through its 
provision  of  Services  to  Program  Member;  (ii)  use  NPI  only  to  provide 
Services  to  Program  Member;  (iii)  make  no  unauthorized  use  of  NPI;  (iv) 
not  disclose  or  otherwise  make  NPI  available,  in  any  form,  to  any  person, 
other than to employees or contractors of FIS who have a need to know or 
access the NPI in order for FIS to provide the Services to Program Member 
and as authorized or required by law or as directed by Program Member or 
as  necessary  to  provide  the  FIS  Services  hereunder  or  to  perform  its 
obligations hereunder;  (v)  instruct  its  employees  and  contractors  who  have 
access to the NPI to keep the same confidential by using the same care and 
discretion that FIS uses with respect to its own Confidential Information and 
trade secrets; (vi) maintain physical, electronic and procedural safeguards to 
protect  NPI  from  compromise  or  unauthorized  disclosure;  (vii)  promptly 
investigate  any  security  breach  to  determine  whether  such  incident  has 
resulted or is likely to result in misuse of NPI; (viii) notify Program Member 
and  each  of  its  affected  customers  as  required  by  and  in  accordance  with 
applicable law if  an incident has  resulted or is  likely to result in  misuse of 
NPI;  and  (ix)  comply  with  all  current  and  future  regulations  implementing 
the Gramm-Leach-Bliley Act (Pub. L. 106-102), with regard to NPI, that are 
applicable to it as a third party service provider. Upon the termination of this 
Amended Agreement for any reason, FIS shall destroy any and all copies of 
the NPI that are in its possession or, at Program Member’s direction and at 
Program Member’s expense, return the files containing the NPI to Program 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 24 of 46

Member, except to the extent and for the period of time necessary to perform 
post-termination  services  and  support  services  relating  to  trailing  activity 
(e.g., chargebacks, returns and reversals) and as required by the VISA and/or 
MasterCard  association  rules  and  bylaws.  Each  year,  upon  request  and  at 
Program Member’s expense, FIS shall provide to Program Member a copy 
of the most recent third party auditor’s review and report on the design and 
compliance  test  of  FIS’s card  processing  system  (currently  called  the 
SAS70).

(b) Notwithstanding  anything  to  the  contrary  in  this 
Agreement  and  subject  to  Section  28 of  this  Amended  Agreement,  FIS 
agrees  to  defend,  indemnify  and  hold  harmless  Bancard,  as  agent  for 
Program  Members,  and  Bancard’s  subsidiaries,  affiliates,  successors  and 
assigns,  and  their  shareholders,  officers,  directors,  employees  and  agents, 
from  and  against all liabilities, claims,  damages, losses,  expenses  and  fees, 
including  reasonable  attorneys’  fees,  which  arise  out  of  or  in  connection 
with  any  Program  Member  claims  resulting  from  FIS’s breach  of  any 
provision of this Amended Agreement  or FIS’s failure to comply with laws, 
rules  and  regulations  applicable  to  FIS  under  this  Amended  Agreement; 
provided  that  Bancard:  (i)  promptly  notifies  FIS  of  any  such  claim;  (ii) 
allows FIS to assume the defense of any such claim in Bancard’s name and 
at FIS’s sole expense; (iii) allows FIS to defend or settle the claim in its sole 
discretion  with  no  liability  of  any  kind  or  nature  to  Bancard;  and  (iv) 
reasonably cooperates with FIS in FIS’s defense of such claim. 

11.2.2 Bancard  and  FIS  further  agree  as  follows  regarding  the 
use to be made of, and the protections to be provided to, Confidential Information, 
including  NPI,  which  is  disclosed  to  FIS  to  enable  it  to  provide  the  Program 
Services to Program Members:

(a) 
Section 11.1 of this Amended Agreement;  

NPI  shall  be  treated  as  Confidential  Information  under 

(b)

All Confidential Information provided to or acquired by 
FIS  in  the  course  of  providing  Program  Services  to  a  Program  Member  shall  be 
used  only  for  the  provision  of  the  Program  Services,  unless  lawful  disclosure  is 
authorized in writing by that Program Member.  FIS shall not disclose Confidential 
Information  to  any  person  not  affiliated  with  the  Program  Member,  except  as 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

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necessary to provide the Program Services or if such disclosure would be lawful if 
made directly by the Program Member; and 

(c) When contracting with third parties to assist in providing 
the  Program  Services  to  Program  Members  (“Third  Party  Vendors”),  FIS  shall 
require  those  Third  Party  Vendors  to  comply  with  the  same,  or  substantially 
similar, confidentiality and privacy obligations as apply to FIS under this Amended 
Agreement.  

11.3 Annual Review.  Each year upon Bancard’s request, or upon the 
written  request  of  a  Program  Member,  FIS  shall  provide  to  Bancard  or  the 
requesting Program Member, a copy of the most recent third party auditors' review 
and report on the design and compliance test of FIS's processing system.

12.0 Data  Transmission.  Program  Member,  at  its  expense,  shall  be 
responsible,  and  shall  bear  the  risk  of  loss  or  damage, for  transmission  of 
information  and  data  ("Data")  to  and  from  FIS’s  data  processing  center.    In  the 
case  of  physical  transmission,  Program  Member  shall  bear  the  risk  of  loss  and 
damage  to  the  point  where  and  until  FIS  signs  a  receipt  for  the  Data,  and  in  the 
case of electronic transmission, until FIS confirms receipt.  FIS's responsibility for 
the  safekeeping  and  security  of  plastics  commences  upon  the  delivery  of  such 
plastics  to  FIS  and  terminates  upon  delivery  of  plastics  by  FIS  to  the  U.S.  mail, 
courier or freight representatives designated by Program Member.

13.0 Records Inspection.   Information  and  records  concerning Bancard or 
the Program Members in the possession of FIS shall be available for inspection and 
audit  by  representatives  of  Bancard  and  each  of  the  Program  Members  upon 
presentation  of  written  authorization,  upon  reasonable  notice  and  during  normal 
business  hours.    Information  and  records  in  the  possession  of  FIS  concerning  a 
Program  Member  or  a  customer  of  a  Program  Member,  shall  be  available  for 
inspection  and  audit  by  representatives  of  such  Program  Member  upon 
presentation  of  written  authorization,  upon  reasonable  notice  and  during  normal 
business hours.

14.0 Security. 

14.1  FIS  shall  (a)  maintain  its  data  security  systems  and  those  of  its 
vendors/suppliers in  compliance  with  federal  regulatory  requirements,  as  well  as 
PCI  and  other  industry  recognized  data  security  standards,  as  and  to  the  extent 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 26 of 46

applicable,  and  (b)  maintain  a  data  security  program  that  includes  associate 
training, third party review, penetration testing, and logging/monitoring of network 
and representative activity.

14.2  In  the  event  that  FIS  discovers  or  is  notified  of  a  data  breach  or 
compromise of its systems (as the terms “data breach or compromise” are defined 
by the Payment Card Industry (PCI) data security standard, or any such successor 
or  replacement  standards),  FIS  shall  (a)  immediately  engage  the  FIS  Security 
Incident  Response  Team  (FSIRT)  and  FSIRT  process  (or  any  successor  or 
replacement  team  and  process  thereto).  The  FSIRT  will  oversee  FIS's response 
and will brief the CEO (or designee) of Bancard at least once per day during the 
crisis  period  on  FIS  actions  and  the  current  status  of  the  breach  event  and  FIS 
actions  in  response;  (b)  notify  all  interested  parties,  including  law  enforcement, 
Bancard, Program Members and accountholders, within a commercially reasonable 
time  period. To  limit  losses  to  Program  Members  and  accountholders,  FIS  shall 
provide identity theft monitoring services to all adversely affected accountholders 
for a period of one year, and shall reissue the plastics of any accounts thought to be 
compromised.

14.3 Following the occurrence of a data breach or compromise of its systems 
(as  the  terms  “data  breach  or  compromise”  are  defined  by  the  Payment  Card 
Industry  (PCI)  data  security  standard,  or  any  such  successor  or  replacement 
standards),  FIS  shall  perform  a  root  cause  analysis  to  identify  the  source  of  the 
breach  and  take  corrective  action  to  eliminate  the  possibility  of  a  future 
recurrence. FIS shall also perform an audit of its breach response process to ensure 
proper  procedures  were  followed  and  to  identify  areas  of  improvement  for 
potential future events.  

14.4  In  the  event  that  Bancard,  Program  Members  or  FIS  discovers  or  is 
notified of a data breach or compromise (as the terms “data breach or compromise” 
are defined by the Payment Card Industry (PCI) data security standard, or any such 
successor or replacement standards) outside of the FIS systems affecting Bancard 
or  Program  Members,  FIS  will  provide  commercially  reasonable  assistance  to 
Bancard  by  having  certain  fraud  detection  and  mitigation  specialists  within  FIS 
participate in a joint crisis management team with the objective of mitigating and 
limiting 
to  Bancard  and  Program 
Members. Except for its participation on and contribution of expertise to the crisis 
team, FIS shall bear no out of pocket expense for the mitigation of any breach that 

financial  and 

reputational 

loss 

the 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 27 of 46

occurs  on  systems  outside  FIS  or  its  contracted  suppliers  and  vendors;  Bancard 
shall  reimburse FIS  for  any  out  of  pocket expense  incurred by  FIS  in  connection 
with participating as set forth in this Section 14.4.

14.5 FIS failure to comply with the provisions of this Section 14 (with the 
exception of Section 14.4) shall be considered a material breach of this Amended 
Agreement.

15.0 Changes to the Program Services.  

15.1 Request by Bancard.  Should Bancard request a change in any 
of the Program Services that would require modification of hardware or software 
utilized by  FIS,  then  FIS  and  Bancard agree to  negotiate whether  and upon  what 
terms and conditions such modifications shall be provided, if at all.  FIS reserves 
the  right  to  make  changes  to  the  Program  Services  so  long  as  Bancard  will 
continue  to  be  able  to  meet  its  obligations  to  Program  Members  and  their 
customers.

16.0 Government Inspection. FIS shall permit those governmental agencies 
which  regulate and  examine Bancard and the  Program  Members  to  examine FIS, 
its  books  and  records,  to  the  same  extent  as  if  the  Program  Services  were  being 
performed by Bancard or the Program Members on its own premises.

17.0 Insurance.

17.1 Forms  and  Limits.    FIS  represents  that  it  has  the  following 
minimum  limits of  insurance coverage currently in  effect ("Insurance Coverage") 
and that premiums therefor shall be paid when due:

FORM OF INSURANCE
(a) General Liability – Primary 

Umbrella – Excess
(b) Errors and Omissions
(c) EDP Extra Expense
(d) Employee Dihonesty – Primary 

LIMITS
$500,000
$10,000,000
$5,000,000
$1,500,000
$5,000,000

Upon  Bancard’s  request,  FIS  annually  will  provide  certificates  of  coverage 
evidencing the Insurance Coverage.

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 28 of 46

17.2 Maintenance  of  Policies  and  Endorsements.    FIS  agrees  to 
maintain the Insurance Coverage at no less than the above-stated minimum Limits 
during  the  Renewal  Term  and  any  subsequent  renewal  terms,  between  FIS  and 
Bancard.

FIS  shall  maintain  Endorsements naming  Bancard  as  Loss  Payee,  as 
agent for Program Members, on all FIS insurance policies which provide coverage 
for  losses  incurred  by  Program  Members  resulting  from,  or  arising  out  of, 
employee dishonesty.  The Endorsements shall be in a form acceptable to Bancard.

17.3 Involuntary  Changes  of  Coverage.    Should  the  Insurance 
Coverage, or any portion thereof, be involuntarily terminated or modified without 
the  consent of  FIS,  FIS  shall replace such  terminated or  modified portions of the 
Insurance Coverage prior to final termination or modification, or as soon thereafter 
as commercially possible.  In the event of involuntary termination or modification, 
FIS  shall  notify  Bancard  immediately,  but  in  no  event  later  than  three  (3)  days 
following receipt of notice by the Chief Financial Officer of FIS of the termination 
or modification.

17.4 Premium  Expense  not  a  Defense.    It  is  expressly  understood 
and  agreed  that  premium  expense  shall  not  be  a  valid  reason  for  FIS's  failure  to 
maintain, renew, replace or self-insure the Insurance Coverage.

17.5 Consent  to  Change  Coverage.    It  is  expressly  understood  and 
agreed that FIS may not reduce the Limits below those stated above or discontinue 
or terminate the Insurance Coverage for any reason without prior notice to, and the 
express  written  consent  of,  Bancard,  which  consent  shall  not  be  unreasonably 
withheld.

18.0 Backup Provisions.  FIS will maintain dual Central Processing Units 
in its computer data center, will provide off-premises secured storage of data and 
program  files  as  required  by  VISA,  MasterCard  and  applicable  state  and  federal 
regulations,  and  will have  available  redundant sources  of  electrical power.  In  the 
event  FIS  is  prevented  from  performing  its  obligations  under  this  Amended 
Agreement  through  no  fault  of  its  own,  FIS  shall,  through  its  own  facilities,  or 
suppliers  of  computer  equipment,  and/or  other processors,  provide  processing 
services  for  the  Program  Services  of  a  quality  of  care,  priority  and  attention 
equivalent to that available for FIS's own work and shall provide such processing 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 29 of 46

services  as promptly as  is  reasonably possible,  but in no  event later  than  twenty-
four (24) hours after interruption of FIS’s performance.

19.0 Arbitration.

19.1 Initiation.    All  disputes  between  the  parties  which  are  to  be 
resolved  by  arbitration  as  provided  hereunder,  shall  be  conducted  as  hereinafter 
described.    Either  party  may  institute  arbitration  by  giving  written  notice  to  the 
other party of its intention to arbitrate, which notice shall contain the name of the 
arbitrator selected by the party instituting arbitration, the nature of the controversy, 
the remedies sought and any other pertinent matter.  Within thirty (30) days after 
the  giving  of  such  notice,  the  other  party  may  submit  to  the  initiating  party  the 
name  of  an  arbitrator  whom  it  has  appointed  and  may  submit  an  answering 
statement.  Within ten (10) days thereafter the two arbitrators so appointed shall in 
good  faith  select  a  neutral  third  arbitrator;  the  three  arbitrators  so  selected  shall 
resolve the controversy.  If the two arbitrators are unable to agree upon a neutral 
third arbitrator within the ten (10) day period, the third arbitrator shall be appointed 
by  the  American  Arbitration  Association  in  accordance  with  its  then  existing 
commercial arbitration rules.  If the other party shall refuse or neglect to appoint an 
arbitrator within the requisite thirty (30) day period, the arbitrator appointed by the 
initiating party shall be empowered to proceed to arbitrate and determine the fact 
or  matter  in  controversy  as  the  sole  arbitrator,  and  his  award  in  writing  shall be 
final,  conclusive  and  binding  upon  the  parties.  The  arbitrators  nominated  or 
appointed hereunder shall not be parties or affiliates of a party, or associated with, 
or employed by, or have the status of, supplier of goods or services to a party or 
affiliate of a party.

19.2 The  Proceedings.    Prior  to  rendering  their  decision,  the 
arbitrators  shall  afford  each  of  the  parties  an  opportunity,  both  orally  and  in 
writing,  to  present  any  relevant  evidence  and  to  present  arguments in  connection 
with the matter in arbitration; provided, however, that the formal rules of evidence 
applicable  to  judicial  proceedings  shall  not  apply;  and  further  provided,  that  any 
party submitting written materials shall be required to deliver a copy of the same to 
the  other party  concurrently  with  the  delivery  thereof  to  the  arbitrators, and  such 
other party shall have the opportunity to submit  a  written reply, a  copy  of  which 
will  be  delivered  to  the  other  party  concurrently  with  the  delivery  thereof  to  the 
arbitrators.  Oral  argument  shall  take  place  only  at  a  hearing  before  all  of  the 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 30 of 46

arbitrators at which all parties are afforded a reasonable opportunity to be present 
and to be heard.

Unless the time is extended by a majority of the arbitrators, they shall 
submit  their  determination  in  writing  within  sixty  (60)  days  after  the  third 
arbitrator is selected, or if only one arbitrator is acting, within sixty (60) days after 
the single arbitrator becomes empowered to act alone. If there are three arbitrators 
selected, as provided above, an award in writing signed by any two of them shall 
be  final,  conclusive  and  binding  upon  the  parties.  Any  award  made  pursuant  to 
arbitration  may  be  entered  as  a  judgment  by  any  court  of  competent  jurisdiction 
upon the application of any party to said arbitration.

19.3 Alternating  Venues.    If  arbitration  is  required  to  resolve  any 
disputes between the parties arising under or out of this Amended Agreement, the 
proceedings to  resolve  the  first  such  dispute shall  be  held  in  Tampa,  Florida, the 
proceedings to resolve the second such dispute shall be held in Washington, D.C., 
and  the  proceedings  to  resolve  any  subsequent  disputes  shall  alternate  between 
Tampa, Florida and Washington, D.C.

19.4 Costs and Legal Fees.  Each party shall bear its own costs and 
expenses of arbitration, except that the fees, costs and expenses of the arbitrator(s) 
shall  be  equally  divided.  However,  upon  application  by  either  party,  the 
arbitrator(s)  may  award  any  or  all  of  the  total  costs  and  expenses  of  arbitration, 
including legal fees, to one party or may apportion them between the parties.

20.0 MasterCard/VISA Requirements.

20.1 Use of Trademarks.

20.1.1  FIS  shall  not  use  any  of  the  MasterCard  trademarks 
and/or  VISA  Card  Program  Marks  (collectively  referred to  hereafter  as  "Marks") 
unless a Program Member is prominently identified by name and city adjacent to 
such  Marks.  No  such  material  may  identify  FIS  unless  FIS  is  prominently 
identified as an agent or representative of a Program Member.

by any of FIS's agents.

20.1.2  FIS  shall have no authority to  permit use  of  the  Marks 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 31 of 46

20.1.3  FIS  shall  indemnify  and  hold  harmless VISA,  Bancard 
and  Program  Members  from  any  liability,  loss,  damage  or  expense  of  any  kind 
including  reasonable attorneys'  fees,  resulting  from  any  failure by  FIS  to  comply 
with  all  applicable  VISA  Bylaws  and  rules  and  any  regulations,  procedures  or 
guidelines,  as  amended  from  time  to  time,  including  the  requirements  of  this 
Section 20.0.

20.2 Solicitation  Material.    Any  solicitation  material  used  by  FIS 
shall  disclose  that  the  subsequent  cardholder  and/or  merchant  agreements  are 
between the Program Member and the individual cardholder and/or merchant.

20.3 MasterCard Member Service Provider Requirements.

20.3.1FIS  agrees 

fully  comply  with  all  applicable 
to 
MasterCard  Bylaws  and  Rules  and  any  operational  regulations,  procedures  or 
guidelines  (collectively  referred  to  hereafter  as  "Rules")  established  from  time  to 
time by MasterCard.

Provider ("MSP") and has submitted a signed MSP agreement to MasterCard.

20.3.2FIS has registered with MasterCard as a Member Service 

20.3.3FIS  will  indemnify  and  hold  harmless  MasterCard, 
Bancard and Program Members from any liability, loss, damage or expense of any 
kind,  including  reasonable  attorneys'  fees,  resulting  from  any  failure  by  FIS  to 
comply with the Rules, as amended from time to time, including the requirements 
of this Section 20.0.

20.3.4FIS shall disclose to Bancard the identity and location of 
all of its sales locations and any other MSP or independent party performing part 
or all of the services FIS is contracting with Bancard to provide.

of this Section 20.0 and the Rules, the Rules in each instance shall apply.

20.3.5In the event of any inconsistency between any provisions 

20.3.6In  addition  to  the  provisions  of  Sections  4.1  and  4.2 
above,  this  Agreement  may  be  terminated  by  Bancard  in  the  event  of  a  material 
breach  by  FIS  of  the  Rules  applicable  to  the  Program  Services  provided  by  FIS, 
and is terminated automatically in the event of termination of Bancard's applicable 
MasterCard license and/or its membership in MasterCard.

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 32 of 46

20.4 FIS will provide the Member Bulletins and other materials and 
services  to  Program  Members  required  by  VISA  (Group  Membership)  and 
MasterCard.

21.0 Non-Renewal of Amended Agreement. 

21.1 Inclusion  of  FIS  in  Bidding  Process.    If  Bancard  elects  to  not 
renew this Amended Agreement upon expiration of the Term or Renewal Term for 
any  reason  other  than  pursuant  to  Section  4.1(a),  (b)  or  (d)  above,  then  Bancard 
shall include FIS in the bidding process for a credit card and merchant processing 
company for the Bancard Program.

21.2 Non-renewal  Letter  to  Program  Members.    In  the  event  either 
party elects not to renew this Amended Agreement in accordance with Section 2.0 
above, then within fourteen (14) days of the date notice of non-renewal is given by 
either  party  in  accordance  with  Section  2.0,  Bancard  shall  send  to  each  Program 
Member  via  first  class  U.S.  mail  a  letter  in  a  form  mutually  agreed  to  by  the 
parties.

21.3 No  Effect  on  Other  FIS  Services.    Notwithstanding  the 
provisions  of  Sections  4.8  or  any  other  provision  of  this  Amended  Agreement to 
the  contrary,  a  "Prohibited  Solicitation"  shall  not  include,  and  no  FIS  company 
shall  be  prohibited  from,  marketing  and  providing  services  other  than  VISA  or 
MasterCard credit or merchant processing or related enhancement services.  

22.0 Disposal  of  Records.    Upon  expiration  or  earlier  termination  of  this 
Amended Agreement, FIS will dispose of the information and records pertaining to 
Bancard, Program Members and Program Members' customers in any manner FIS 
deems appropriate consistent with applicable VISA and/or MasterCard and federal 
government  agencies'  regulations,  unless  Bancard,  prior  to  such  expiration  or 
termination,  furnishes  to  FIS  written  instructions  for  the  disposition  of  such 
information and records at Bancard's expense.

23.0 Falcon  Services.    FIS  is  party  to  an  agreement  with  Fair  Isaac 
Corporation (“FAIR ISAAC”), in which FIS has the right to offer FAIR ISAAC's 
proprietary  transaction  account  fraud  detection  systems,  commercially  known  as 
Falcon  Fraud  ManagerTM (“Falcon”).  Bancard  hereby  engages  FIS  to  provide  the 
Falcon services (“Falcon Services”) to all Program Members receiving the Credit 
Card Program Services.  Bancard shall require all Program Members receiving the 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 33 of 46

  
Credit  Card  Program  Services  to  utilize  Falcon  through  FIS  in  conjunction  with 
such Services.  Program Members receiving the Debit Card Program Services may 
also  choose to  receive  the  Falcon  Services  under  the  terms  of  this  Amended 
Agreement.

23.1. Falcon Fees.  Bancard shall be responsible for either paying or 
for  each  Program  Member  paying,  to  FIS,  the  fees  for  the  Falcon  Services  (the 
“Falcon Fees”).

23.2. Responsibilities of Program Members.  As agent for each of the 

Program Members, Bancard agrees as follows: 

23.2.1  Each  Program  Member  shall  participate,  via  FIS,  in 
FAIR  ISAAC's  Fraud  Control  Consortium  (the  "Consortium"),  a  cooperative 
arrangement  among credit  card  issuers  and  FAIR  ISAAC  that  permits  FAIR 
ISAAC  to  collect  and  analyze  data  on  credit  and  debit  card  fraud  for  the  sole 
purpose  of  identifying  fraud  trends  and  fraudulent  behavior.    Bancard  authorizes 
FIS  to  provide  to  FAIR  ISAAC  information  in its  possession,  and  Bancard  shall 
provide to FIS or arrange for FIS to receive, on a monthly basis, information from 
each  Program  Member  requested  from  time  to  time  by  FAIR  ISAAC,  for  use  by 
FAIR  ISAAC  to  update  its  fraud  detection algorithms.    Bancard understands and 
agrees that as a member of the Consortium making contributions of data for use by 
FAIR ISAAC, as requested by FIS from time to time, is a requirement for use of 
Falcon.  All Program Member data provided to the Consortium will be subject to 
the confidentiality provisions set forth in Sections 11.0 and 23.8 of this Amended 
Agreement.    FAIR  ISAAC  and/or  FIS  may  make  modifications  and  updates  to 
Falcon, from time to time, in their sole discretion. 

23.2.2  Each  Program  Member  shall  participate  in  periodic 
confidential  surveys  deemed  necessary  by  FIS  to  assess  Falcon’s  performance.  
Subject to the confidentiality provisions of this Amended Agreement, Bancard, on 
behalf of itself and all participating Program Members, authorizes FIS to provide 
to FAIR ISAAC any Program Member information deemed reasonably necessary 
by FIS or FAIR ISAAC in connection with the operation of Falcon.

23.2.3  The  parameters  for  operation  of  Falcon  shall  be 
determined from time to time by FIS and FAIR ISAAC, as applicable, in their sole 
discretion,  to  attempt  to  improve  the  performance  of  Falcon.    Examples  of  such 
parameters include, without limitation, minimum Falcon scores required to trigger 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 34 of 46

an inquiry, prerequisites to a card block decision and/or initiation of contact by FIS 
with Program Members or cardholders. Program Members whose cardholders are 
subject  to  ongoing  adverse  effects  from  FIS’s  and  Fair  Isaac’s  management  of 
Falcon  shall  be  permitted  to  put  in  exception  criteria  to  minimize  cardholder 
disruption.

23.2.4  Bancard  and  each  Program  Member  shall  provide  FIS 
within thirty (30) days of enrollment in Falcon, the names and corresponding valid 
telephone  numbers  for  all  of  its  cardholders,  and  authorize  FIS  to  contact  those 
cardholders at any time for the purpose of confirming card transactions.  On behalf 
of all such Program Members, Bancard acknowledges that neither it, nor FIS, will 
be  able  to  contact  Program  Member's  cardholders  without  valid  telephone 
numbers,  and  each  Program  Member  must  use  its  best  efforts  to  obtain  and 
maintain the current telephone number on all of the files for all of its cardholders, 
upon request, and to assist FIS in contacting cardholders.  Bancard authorizes FIS 
to  contact  Program  Member  cardholders  as  may  be  deemed  necessary  by  FIS  in 
connection with the operation of Falcon, as well as to block transactions on cards 
at  any  time,  regardless  of  whether  FIS  has  been  able  to  communicate  with  the 
cardholder or Program Member prior to such block, all as contemplated by the then 
current  Falcon  operating  procedures.    However,  while  FIS  will  use  due  care  and 
commercially  reasonable  efforts  in  performing  those  functions,  it  does  not 
guarantee that it will always take those actions and shall not be deemed responsible 
for  failing  to  take  those  actions.    Accordingly,  Bancard  shall  arrange  for  each 
Program Member to always monitor its Falcon service reports to determine, as the 
final  decision  maker,  whether  Program  Member  should  contact  the  cardholder 
and/or block the account.

23.2.5  Bancard  and  each  Program  Member  shall  comply  with 
the requirements of this Section 23.0 and the current Falcon operating procedures, 
and as they may be from time to time amended.  

23.3 FIS’s Responsibilities. 

23.3.1  FIS  shall  arrange  for  each  Program  Member  to  have 
access to the Falcon Services in connection with provision of the Program Services 
as  provided  herein.    FIS  shall  provide  to  Bancard  and  each  Program  Member  its 
then-current copy of the Falcon operating procedures which shall include, but not 
be limited to:  (i) the then-current description of Falcon; (ii) the operating hours of 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

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FIS’s customer service center for Falcon-related questions; and (iii) procedures for 
Program Members to utilize the Falcon service.

23.3.2  Within  approximately  fifteen  (15)  days  following  each 
Program  Member’s  enrollment,  FIS  will  commence  building  that  Program 
Member’s individual profile for each “Open Account”.  The profiling period will 
take  approximately sixty  (60)  to  ninety (90)  days  (the  "Profiling Period").    Upon 
completion  of  the  Profiling  Period,  FIS  will  provide  Bancard  and  the  Program 
Member  with  notice  of  the  date  that  Falcon  will  become  operational  for  that 
Program  Member  (for  each  Program  Member  separately,  the  "Activation  Date").  
During  the  profiling  period  for  each  financial  institution,  prior  to  the  Activation 
Date,  potential  fraudulent  activity  will  not  be  routed  to  FIS’s  fraud  analysts  for 
review.    Potential  fraudulent  activity  from  financial  institution’s  cardholders  will 
be reviewed by FIS only after the Activation Date for that financial institution.

23.3.3  FIS shall maintain a customer service center to respond 
to  telephone  calls  from  Bancard  and  Program  Members  regarding  the  Falcon 
service.

23.3.4  Upon receipt  of  a  Falcon  generated  Fraud  Alert,  FIS 
will  take  appropriate  action  including  utilizing  automated  processes to  review 
suspicious activity on lower risk items in order to reduce the false positive rate of 
cardholder  contact  and  to  help  ensure  consistent  review  of  all  suspicious 
activity. The  parties  acknowledge  that  there  may  be  occasions  in  which an  alert 
will  generate  due  to  elevated  probability  of  fraud,  but  further  statistical  analysis 
may demonstrate that the transactional activity is normal; in which case, a call will 
not  be  placed  to  the  cardholder  and  memos  will  not  be  added  to  the  alert. The 
highest  risk  Fraud  Alerts will  be  contacted  by  FIS  (through  its  fraud  alert 
management business segment) using all cardholder contact numbers on file with 
FIS.  The cardholder’s card(s) may be blocked at any time, regardless of whether 
FIS has been able to communicate with the cardholder or Program Member, when 
warranted by the circumstances.

23.4. Disclaimer of Liability. Neither FIS, FAIR ISAAC nor Bancard 
shall  be  responsible  for  any  losses,  damages,  or  liabilities  of  any  kind  or  nature, 
whether  in  contract, tort (including negligence), strict liability or under  any  other 
theory, incurred by Program Members, their agents, or any cardholders, caused by 
failures,  inaccuracies  or  errors  in  Falcon's  operation,  failure  of  Falcon  to  detect 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 36 of 46

fraudulent transactions or other claims associated with Falcon or the functions and 
services  provided  by  FIS,  Bancard,  or  FAIR  ISAAC  with  respect  to  the  Falcon 
Services.    In no  event shall  FIS, Bancard, or FAIR  ISAAC be  liable for  indirect, 
special,  incidental,  or  consequential  damages  including,  but  not  limited  to,  lost 
profits  incurred  by  Program  Members,  their  agents,  or  any  cardholders  in
connection with the Falcon Services.  Program Members shall indemnify and hold 
FIS, Bancard and FAIR ISAAC harmless from any liability of any kind or nature, 
fees  (including  reasonable  attorneys’  fees)  and  expenses  resulting,  directly  or 
indirectly, from any claim by Program Member cardholders based upon the use of 
Falcon  Services.    FIS,  for  itself  and  on  behalf  of  Bancard  and  FAIR  ISAAC, 
disclaims  all  warranties  with  respect  to  the  Falcon  Services  provided  pursuant  to 
this  Section  23.0,  both  express  and  implied  including,  but  not  limited  to,  any 
implied  warranty  of  merchantability  and  warranty  of  fitness  for  a  particular 
purpose.    The  Falcon  Services  are  provided  "as  is"  with  no  warranties  or 
representations by any party.

23.5. Ownership of Computer Programs and Related Documentation; 
Disposal  of  Records.    All  computer programs  and  related documentation used  or 
supplied  by  FIS  and/or  FAIR  ISAAC  to  provide  Bancard and  Program  Members 
with access to Falcon are subject to the proprietary rights of FIS and FAIR ISAAC 
respectively, as well as the confidentiality provisions of this Amended Agreement.  
This  Section  23.5  shall  in  no  way  be  construed  to  grant  any  right,  license  or 
authorization to Bancard or to any Program Member to use the computer programs 
and/or  related  documentation  used  or  supplied  by  FIS  or  FAIR  ISAAC  for  any 
purpose except as permitted herein.

23.7 Trademark Usage.  Bancard, on its own behalf and as agent for 
each Program Member, shall not utilize trademarks of either FIS or FAIR ISAAC 
(the "Marks") without first receiving FIS's prior written consent and identifying the 
Mark  as  owned  by  FIS  or  FAIR  ISAAC,  as  applicable.    FAIR  ISAAC's  Marks 
include,  without limitation,  FalconTM,  Falcon  Debit TM,  Falcon  Expert  Reason TM, 
ReporterTM and DeployNetTM. Bancard’s and Program Member's use of the Marks 
shall be in accordance with FIS's and FAIR ISAAC's trademark usage policies in 
effect  from  time  to  time,  as  applicable.    Nothing  contained  herein  shall  give 
Bancard or any Program Member any interest in any Marks.

23.8 Confidentiality of  Falcon.    Bancard, on behalf of itself and  all 
Program  Members,  and  FIS,  each  agrees  to  hold  in  strictest  confidence  any 

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Page 37 of 46

information  and  material  which  is  related  to  the  other  party's  business,  software 
systems  or  information  and  material  which  is  designated  as  proprietary  and 
confidential  herein  or  otherwise,  by  any  party  in  connection  with  the  Falcon 
Services.  Such information shall be treated as Confidential Information.  Neither 
party  nor  any  Program  Member  shall  use  such  Confidential  Information  of  the 
other party other than for the specific purposes of the Falcon Service.  Confidential 
Information shall also include information obtained by FAIR ISAAC directly from 
each  Program  Member,  pursuant  to  Program  Member's  participation  in  the 
through  Bancard,  or  otherwise.  Each  party's  obligations  of 
Consortium, 
confidentiality  under  this  Section  23.8  shall  survive  the  expiration  or  earlier 
termination  of  this  Amended  Agreement.    Without  limiting  the  generality  of  the 
foregoing, FIS and Bancard, for itself and each Program Member, agree:

(a)

Not  to  disclose  or  permit  any  other  person  or  entity 
access to any Confidential Information, except that such disclosure or access shall 
be  permitted  to  any  employee,  agent,  representative  or  independent  contractor  of 
such party requiring access to the same in the course of his or her employment or 
services to the extent reasonably required to carry out the purposes of the Falcon 
Service;

(b)

To ensure that its employees, agents, representatives, and 
independent contractors who  are  given access to  any  Confidential Information  of 
the other party are advised of the confidential nature of such information and are 
precluded from taking any action prohibited under Section 11.0 herein;

Not  to alter  or  remove  any  identification,  copyright  or 
proprietary  rights  notice  which  indicates  the  ownership  of  any  part  of  any 
Confidential Information of another party; and

(c)

(d)

To  notify the other party promptly and  in  writing of the 
circumstances  surrounding  any  possession,  use or knowledge of  any  Confidential 
Information of the other party by any person or entity other than those authorized 
by this Amended Agreement. 

For purposes of this Section 23.8 only, the term "FIS" shall include both FIS and 
FAIR  ISAAC.    FIS  represents  and  warrants  to  Bancard  that,  by  the  terms  of  its 
agreement  with  FAIR  ISAAC,  FAIR  ISAAC  is  subject  to  the  confidentiality 
obligations set forth in this Section 23.8.

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 38 of 46

23.9. Use  of  Falcon;  Termination  of  Falcon  Use.    Bancard  shall 
require  each  credit  card  issuing  Program  Member  to  use  Falcon  during  the 
Renewal  Term(s)  of  this  Amended  Agreement.  FIS  may  terminate  the  Falcon 
Services  and  Program  Members’  use  of  Falcon  if  FIS's  agreement  with  FAIR 
ISAAC  is  terminated  for  any  reason,  by  providing  written  notice  to  Bancard  and 
each Program Member utilizing Falcon under this Amended Agreement.  In such 
event,  FIS  will  use  its  best  efforts  to  replace  the  Falcon  Services  with  another 
provider on terms and conditions satisfactory to Bancard.

24.0 Special Programming.  

24.1 During  the  Term  and  any  Renewal  Term(s),  FIS  shall  make 
programming  time  available  to  Bancard,  at  a  maximum  rate  of  one  thousand 
(1000) hours per  year to implement  additional system  features and  functions  (the 
"Modifications")  to  the  Program  Services  provided  by  FIS  to  Program  Members.  
The programing hours provided for a particular year must be used within that year 
as unused programming time during any particular year shall not be rolled over and 
added to the 1000 hours for the next year to which Bancard is entitled. There shall 
be  no  rolling  over  of  any  unused  hours,  provided,  however,  that  with  respect  to 
projects  that  are  requested  by  Bancard  in  any  year  and  either  scheduled  for  the 
following  year  upon  mutual  agreement  of  the  parties  or  commenced  but  not 
completed in that year, any unused programing hours for that year will be carried 
forward for the project. In addition, with respect to a particular year, Bancard may 
look back to the prior year and look forward to the next year to borrow hours from 
the next year for a project requested and to be completed in the current year; that 
is, for example, if the requested project requires more than 1000 hours in the year 
requested, then Bancard may use any unused hours from the previous year and, if 
necessary,  borrow  additional  hours  from  the  next  year.    Any  borrowed  hours  are 
deducted from the number of programing hours for the year from which such hours 
are  borrowed.    FIS’s  duties  under  this  Section  24.6  shall  terminate  in  the  event 
Bancard provides notice of nonrenewal pursuant to Section 2.0.  

24.2 Within  30  days  after  receiving  written  notice  from  Bancard 
requesting  a  Modification  (the  "Modification  Request"),  FIS  will  provide  written 
notice  to  Bancard  regarding  whether  or  not  the  Modification  can  be  made.    Any 
Modification  Request  should  include  a  written  description  of  the  proposed 
Modification. 

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24.3 FIS expressly reserves the right to assign any Modification for 

completion to the appropriate skill required.  

24.4 No right, title, license or other interest is conveyed to Bancard 
as a result of or in the Modifications.  The exclusive right of ownership, including 
industrial ownership and literary and artistic ownership, relating to the FIS system 
and any Modification is, and shall remain, the exclusive property of FIS.  To the 
extent that Bancard may, under applicable law, be entitled to claim an ownership 
interest  in  the  Modifications,  Bancard  assigns,  transfers,  grants,  conveys,  and 
relinquishes exclusively to FIS, without the necessity of further consideration, all 
of its right, title and interest in the Modifications.

25.0 Users Group Meetings.  FIS will support and help fund up to five (5) 
state/regional  Bancard  Users  group  meetings  each  calendar  year.    This  includes 
FIS’s  commitment to  the  current number  of sessions  and includes the cost  of  the 
meeting rooms, meals, AV equipment and other hotel expenses.  FIS will continue 
to  host  the  Merchant  Focus  Group  and  the  Bankers  Banks  meetings  in  St. 
Petersburg  and  reimburse  for  one  person  per  institution  for  two  nights  of  hotel 
expense.  FIS will continue to supply trainers for the seminars and will provide a 
Relations  representative  when  available  or  when  there  are  at  least  fifteen  (15) 
Program Members in attendance.

26.0 Program  Member  Benefit  Association.    Bancard  agrees  that  it  shall 
sign  a  Program  Member Benefit  Association,  Inc.  (“FIBA”)  Membership 
Agreement  in  the  form  attached  hereto  as  Exhibit  2, on  behalf  of  itself  and  the 
Program  Members for  Program  Members  wishing  to  offer  insurance related 
products  through  FIS.    Bancard  agrees  to  require  that  each  Program  Member  be 
bound by the terms of the FIBA Membership Agreement and that each shall be a 
Sponsoring  Member  of  FIBA  as  that  term  is  defined  in  the  FIBA  Membership 
Agreement. Each Program Member, as a Sponsoring Member of FIBA, can make 
available  to  its  customers  any  of  the  benefits  of  FIBA  membership  by  signing 
individual FIBA Riders to the FIBA Membership Agreement.

27.0 Legal Compliance and Indemnification.

27.1 Sample Forms.  As a convenience to Bancard and the Program 
Members  which  issue  VISA  or  MasterCard  credit  cards,  FIS  shall  provide  to 
Bancard for the Program Members samples of (i) applicable terms and conditions 
of  credit  card  issuance  and  use;  and  (ii)  required  federal  Truth-In-Lending 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 40 of 46

disclosures.  All  sample  forms  are  provided  with  no  express  or  implied 
representation  or  warranty  as  to  their  compliance  with  applicable state  or  federal 
law or appropriateness for use by Program Members, and Program Members shall 
have the responsibility for overall approval of such materials.

27.2 Program  Member  Responsibility.    Bancard  will  require  that 
each  Program  Member  is  responsible  for  its  compliance  with  all  laws,  rules  and 
regulations  applicable  to  their  performance  of  operations  of  its  VISA  and/or 
MasterCard  program  including,  without  limitation,  usury  laws,  the  Truth-In-
Lending, Fair Credit Billing, Fair Credit Reporting, Equal Credit Opportunity, and 
Electronic  Funds  Transfer  Acts,  and  all  rules  and  regulations  promulgated 
thereunder,  and  all  applicable  state  laws  and  regulations.  Each  party  shall 
cooperate and shall use its best efforts to facilitate Program Members' compliance.

27.3 Indemnification  by  Bancard.    Notwithstanding  anything  to  the 
contrary  in  this  Amended  Agreement  and  subject  to  Section  28 of  this  Amended 
Agreement,  Bancard  agrees  to  defend,  indemnify  and  hold  harmless  FIS,  its 
affiliates,  subsidiaries,  successors  and  assigns,  and  its  and  their  stockholders, 
officers, directors, employees and agents, and to require all Program Members to 
defend,  indemnify  and  hold  FIS  harmless  from  and  against  all  liabilities,  claims, 
damages,  losses  or  expenses,  including  attorneys'  fees,  which  arise  out  of,  or  in 
connection with, any failure of Bancard or the Program Members, as the case may 
be,  to  comply  with  all  applicable  laws,  rules  and  regulations  including,  without 
limitation,  all  disclosures  and  other  requirements  under  the  federal  Truth-In-
Lending Act, which indemnity shall be effective regardless of whether a Program 
Member  uses  any  forms  or  other  materials  supplied  by  FIS;  provided,  however, 
that Bancard and the Program Members shall have no liability for negligent acts or 
omissions by FIS, its employees, agents or representatives.

27.4 Indemnification  by  Program  Member.    Bancard  shall  require 
each  Program  Member  to  defend,  indemnify  and  hold  both  Bancard  and  FIS 
harmless  from  and  against  any  and  all  liabilities,  claims,  damages,  losses  or 
expenses,  including  attorneys'  fees,  which  arise  out  of  or  in  connection  with,  the 
transfer of any data or the performance of any vendor, as contemplated by Section 
5.2(b) of this Amended Agreement. 

27.5 Indemnification  by  FIS.  Notwithstanding  anything  to  the 
contrary  in  this  Amended  Agreement  and  subject  to  Section  28 of  this  Amended 
Agreement,  FIS  agrees  to  defend,  indemnify  and  hold  harmless  Bancard,  its 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 41 of 46

affiliates,  subsidiaries,  successors  and  assigns  and  its  and  their  stockholders, 
officers,  directors,  employees  and  agents  from  and  against  all  liabilities,  claims, 
damages, losses, expenses and fees, including attorneys' fees, which arise out of or 
in connection with any failure of FIS to comply with all laws, rules and regulations 
applicable  to  it  pursuant  to  the  provisions  of  this  Amended  Agreement  or  the 
standards  established  by  Visa  and  MasterCard,  including  the  transfer  of  data  as 
contemplated by Section 3.2 of this Amended Agreement. 

27.6 Limitation on Indemnities.  Indemnities under this Section 27.0 
shall  be  in  addition  to  any  right  of  indemnification  or  other  rights  or  remedies 
which any party may otherwise have under this Amended Agreement or applicable 
law.

28.0 Limitations on Damages.  Notwithstanding anything to the contrary in 
this  Amended  Agreement,  in  any  action  by  one  of  the  parties  against  the  other 
arising from performance, or the failure of performance, or in connection with the 
indemnity  provisions  of  this  Amended  Agreement,  damages,  liabilities,  costs, 
losses, expenses, claims and fees will be limited to direct money damages, losses, 
expenses,  costs,  fees,  including  attorneys’  fees,  and  statutory  penalties,  if  any 
imposed, in an amount not to exceed such amount actually incurred by the party. 
Notwithstanding anything to the contrary in this Amended Agreement, in no case 
will a party be responsible to the other party for special, incidental, consequential 
or  exemplary  damages,  except  as  a  result  of  a  willful  breach  of  this  Amended 
Agreement. For the avoidance of doubt, the limitations set forth in this Section 28 
applies  with  respect  to  and  serves  to  limit  FIS  and/or  Bancard’s  liability  with 
respect to Program Members.

29.0 Distribution  to  Program  Members.    Within  thirty  (30)  days  after  the 
execution  of  this  Amended  Agreement  by  both  parties,  Bancard  shall  distribute 
copies of this Amended Agreement to all Program Members by certified mail or by 
courier, and shall obtain a receipt for each delivery, and shall advise each that (a) 
supersedes  and  replaces  the    Original  Agreement, 
this  Amended  Agreement 
except as provided otherwise in  Section 1.0  above, (b)  each of  them  is  bound by 
the  relevant  provisions  of  this  Amended  Agreement  as  of  October  1,  2011  in 
accordance  with  Section  2  of  their  Financial  Services  Agreement  with  Bancard, 
and  (c)  the  Term  of  their  Financial  Services  Agreement  remains  concurrent  with 
the  Term and any Renewal Term(s) of this Amended Agreement. Notwithstanding 
the foregoing, the Parties acknowledge that as of the Effective Date hereof certain 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 42 of 46

Program Members continue to receive the debit, in-house/pass through and ATM 
card services as part of the Program Services pursuant to Schedules E and F to the 
2003 Renewal Agreement (“Debit Clients”), and further, that such Schedules E and 
F,  attached  hereto,  will  survive  and  continue  in  effect  until  such  time  as  Debit 
Clients have been converted off of the Bancard Program for such debit services.  

30.0 Agent  Bank  Agreements.    Bancard  shall  require  each  Program 
Member  that  enters  into  agreements  with  other  financial  institutions  ("Agent 
Banks")  whereby,  among  other  things,  the  Agent  Bank  shall  agree  to  (a)  make 
Program Member's VISA and/or MasterCard card available to its customers and/or 
(b) enroll  merchants  in  Program  Member's  merchant  program,  to  be  a  party  to  a 
written agreement with Bancard ("Agent Bank Agreement").  Bancard shall require 
that each Agent Bank be a party to an Agent Bank Agreement.  The Agent Bank 
Agreement  shall  require  that  the  Program  Member  obtain  the  signature  of  each 
Agent Bank as a party to that Agent Bank Agreement prior to commencement of 
services to that Agent Bank. The Agent Bank Agreement also shall provide that the 
Program  Member  is,  and  shall  remain,  fully  responsible  for  the  selection, 
monitoring  and  financial  responsibility  of  the  Agent  Banks  and  for  their 
compliance with the terms of the Financial Services Agreement and this Amended 
Agreement, as applicable, in the same manner and to the same extent as Program 
Member.  The  Agent  Bank  Agreement  also  shall  contain  the  agreement  of  each 
Agent Bank that shall enroll merchants in Program Member's merchant program to 
indemnify  and  hold  harmless  FIS  (under  language  comparable  to  that  in  Section 
8.4  above)  with  respect  to  Merchant  Sales  which  arise  from  transactions  from 
merchants enrolled by Agent Bank in Program Member's merchant program.

31.0 Guarantee  and  Indemnity  of  Fidelity  National  Information  Services, 
Inc.     The  Guarantee  and  Indemnity  of  FIS’s  parent  company,  Fidelity  National 
Information  Services,  Inc.,  a  Georgia  corporation,  which  guarantees  the  full  and 
faithful performance by FIS of all its obligations under  the Original  Agreement 
which  result  from,  or  arise  out  of,  the  unlawful,  fraudulent  or  dishonest  acts  or 
omissions  of  FIS,  its  agents  or  employees,    which  is attached  to  the  Original 
Agreement as Exhibit 3 shall remain in full force and effect in accordance with its 
terms during the Term and all Renewal Terms of this Amended  Agreement.  Such 
Guarantee  and  Indemnity  is  incorporated  into  this  Amended  Agreement  by  this 
reference and constitutes the entire understanding of the parties with respect to the 
subject matter thereof, and any prior agreements, understandings or representations 
on such subject matter are terminated and cancelled in their entirety and are of no 

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 43 of 46

further force or effect, including Guarantee and Indemnify under the 1994 Renewal 
Service Agreement.  

32.0 No Waiver.  No action taken pursuant to this Amended Agreement by 
either  party  shall  be  deemed  to  constitute  a  waiver  of  compliance  with  any 
representation,  warranty,  covenant,  obligation  or  agreement  contained  in  this 
Amended  Agreement,  and  shall  not  operate  or  be  construed  as  a  waiver  of  any 
subsequent breach, whether of a similar or dissimilar nature.

33.0 Force  Majeure.    In  the  event  FIS  is  unable  to  timely  perform  its 
obligations hereunder due to causes that are beyond its control, including without 
limitation, strikes, riots, earthquakes, epidemics, war, fire, or any other catastrophe 
rendering its data processing center wholly or partially inoperable, FIS shall not be 
liable for any loss or damage which results to Bancard, Program Members or their 
customers.

34.0 Governing Law.  This Agreement shall be governed by and construed 

in accordance with the laws of the State of Florida.

35.0 Recitals;  Entire  Agreement;  Construction.    The  recitals  set  forth  in 
the preamble to this Amended Agreement are incorporated into and made a part of 
this Amended Agreement.  Except for Exhibit 3 to the Original Agreement and the
First  Amendment  dated  September  1,  2011,  which  are  incorporated  by  reference 
into  this  Amended  Agreement,  this  Amended  Agreement  and  the  Schedules  and 
Exhibits  attached  hereto  amends,  supersedes,  restates  and  replaces the  Original 
Agreement  when  it  has  been  duly  executed  by  both  parties.    This  Amended 
Agreement
including  the  recitals,  Schedules  and  Exhibits  hereto  (except  for 
Exhibit  3  and  the  First  Amendment  dated  September  1,  2011  to  the  Original 
Agreement), constitutes the entire understanding and agreement of the parties with 
respect  to  the  subject  matter  of  this  Amended  Agreement,  and  any  and  all  other 
prior  agreements,  understandings,  or  representations,  including  the  Original 
Agreement  (with  the  exception  of  Exhibit  3  and  the  First  Amendment  dated 
September  1,  2011  thereto)  are  hereby  terminated  and  cancelled  in  their  entirety 
and  are  of  no  further  force  and  effect.    This  Amended  Agreement  shall  not  be 
construed  more  strongly  against  either  party  regardless  of  which  is  more 
responsible for its preparation.

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 44 of 46

36.0 Modification  or  Amendments.    Except  as  otherwise  provided  for 
herein, no amendment or modification of this Amended Agreement shall be valid 
unless in writing and signed by all of the parties hereto.

37.0 Assignment.    Bancard  may  freely  assign  its  rights  and  obligations 
hereunder to any organization which is majority owned directly or indirectly by the 
Independent  Community  Bankers  of  America.  Upon  any  such 
intended 
assignment, Bancard shall provide FIS with advance notice.  In no event shall such 
an  assignment  or  transfer  be  deemed  a  termination  for  purposes  of  Section  5.0 
hereof.  Otherwise,  neither  FIS  nor  Bancard  may  assign  its  rights  or  obligations 
hereunder without the prior written consent of the other, which consent shall not be 
unreasonably withheld. Any unauthorized assignment shall be void.  

38.0 Notices.    Any  and  all  notices,  demands  or  other  communications 
required or desired to be given hereunder by any party shall be in writing and shall 
be validly given or made to another party if served either personally or if deposited 
in  the  United  States  mail,  certified  or  registered,  postage  prepaid,  return  receipt 
requested.  If  such  notice,  demand  or  other  communication  be  served  personally, 
service  shall  be  conclusively  deemed  made  at  the  time  of  such  personal  service.    
If  such  notice,  demand  or  other  communication  be  given  by  mail,  such  shall  be 
conclusively  deemed  given forty-eight  (48)  hours  after  the  deposit  thereof  in  the 
United States mail addressed to the party to whom such notice, demand, or other 
communication is to be given as hereinafter set forth:

To FIS:

Fidelity National Card Services, Inc.
601 Riverside Avenue 
Jacksonville, FL 32204
Attention: President and CEO

With a Copy To:

Fidelity National Card Services, Inc. 
Law Department
601 Riverside Avenue
Jacksonville, FL 32204

Attention:  General Counsel 

To Bancard:

ICBA Bancard, Inc.

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 45 of 46

1615 L Street NW
Washington DC 20036
Attention: Linda F. Echard, President

With a Copy To: Nelson Mullins Riley & Scarborough LLP

101 Constitution Avenue, NW
Washington, D.C.  20001
Attention: Leonard J. Rubin, Esq.

39.0. Attorneys'  Fees.    In  the  event  any  action  be  instituted  by  a  party  to 
enforce  any  of  the  terms  and  provisions  contained  herein,  the  prevailing  party  in 
such action shall be entitled to such reasonable attorneys' fees, costs and expenses 
as may be fixed by the Court.

40.0. Captions.    The  section  captions  in  this  Amended  Agreement  are  for 
convenience  only  and  shall  not  bear  on  the  interpretation  of  the  terms  of  this 
Amended Agreement.

IN  WITNESS  WHEREOF,  the  parties  hereto  have  executed  this  2011 

Renewal Service Agreement as of the Effective Date.

ICBA BANCARD, INC., 
a Delaware corporation 

By:     
Its: President and CEO
Name: Linda Echard 

FIDELITY NATIONAL CARD
SERVICES, INC., a Florida 
corporation

By:       
Its: Authorized Signatory
Name:

List of Attachments: 
Exhibit 1 to Amended Agreement – Service Level Agreements
Exhibit 2 to Amended Agreement – Form FIBA Membership Agreement
Exhibit 3 to Original Agreement – Guarantee and Indemnity
Schedule A to Amended Agreement
Schedule C to Amended Agreement
Schedule K to Amended Agreement
Schedule E from the 2003 Renewal Agreement
Schedule F from the 2003 Renewal Agreement

ICBA/FIS Amended and Restated 2011 Renewal Service Agreement 

Page 46 of 46

Fidelity National Card Services, Inc.
ICBA Bancard

2016	RENEWAL	SERVICE	AGREEMENT
Exhibit	1

Service	Level	Agreements	(SLA)

Effective January 1, 2016
A.   SLAs / Standards.  FIS will provide the Program Services in accordance with the following SLAs / Standards, defined as set forth below
and at the standard set forth below. Standards denoted as "new" or, the where metric or classification has been upgraded in this Exhibit 1
(as compared to the Exhibit 1 that this Exhibit is replacing), will become effective on July 05, 2016. 
CARD SERVICES
Customer Service Phone (“CSP”)
Service Area
Customer Service Phone
Name of Standard
General Customer Service ‐ Service Level
Definition
A telephone service level index of 80% of all calls will be answered within 30 seconds.
Service Area
Customer Service Phone
Name of Standard
VIP Customer Service – Service Level
Definition
A telephone service level index of 80% of all calls will be answered within 30 seconds.
Service Area
Cardholder Satisfaction Level Phone Customer Service
Name of Standard
Quality of Overall cardholder phone customer service

Standard
80%/30 SEC

Standard
80%/30 SEC

Material
Low

Material
Low

Material
Low

CSP #1             

CSP #2             

CSP #3             

Standard
80% STD as suggested by 
consumer monthly 
feedback surveys

Definition
Monthly overall satisfaction rating incorporating timeliness, courtesy, knowledge and accuracy.
Lost Stolen (“L/S”)
Service Area
Lost Stolen
Name of Standard
Lost/Stolen – Service Level
Definition
80% of calls answered within 30 seconds.
Customer Service Written (“CSW”)
Service Area
Customer Service Written
Name of Standard
Inquiry Resolved / CH Notified ‐ 3 Bus Days
Definition
Incoming items are date stamped and tracked from date received in the dispute work queue. Retrievals, chargebacks, billing information, payment 
inquiries and follow‐up date requested by Chargeback Customer Service (CCS) are all included in this standard.

Standard
80%/30 SEC

Standard
98% STD

Material
Low

Material
Low

CSW #1

L/S #1          

Exhibit 11 of 8Service Area
Customer Service Written
Name of Standard
Dispute Accuracy Rate
Definition
Resolved files (both disputes and fraud) are selected daily at random from a rep by an internal Auditor. The Auditor validates the processing of the 
file and documents the number of errors. Calculation: Total achieved points divided by the total possible points = overall percentage accurate

Standard
New STD 96.5%

Material
Low

CSW #2

CSW #3

Material
Low

Standard
98% STD

Service Area
Customer Service Written
Name of Standard
Phone Inquiry Response
Definition
98% of all telephone inquiries received by Chargeback Customer Service requiring some form of research or Investigation will be responded to 
within 1 business day.
Fraud (“FRD”)
Service Area
Fraud
Name of Standard
Fraud files Closed W/I 120 days*
Definition
The age of all Fraud files open less than 120 days is based on the date the case was created. This calculation will reflect the true age of the case and 
its transactions, not based on the last monetary adjustment of a single transaction. Closeout calculation = (total claims > 120 days / (Total open 
claims + Claims closed less than 120 days)  This calculation will be tracked daily for each business day of the month.  At the end of the month, FIS 
will sum the business day totals for each of these three metrics and run through this formula to come to the monthly average. FIS agrees to review 
this standard 6 mos. after the Amendment Effective Date to evalutate for possible adjustment of this standard based on assessment of recently 
agreed upon process changes and anticipated efficiencies. Any change in the standard must be mutually agreed upon by the parties and will be 
effective 90 days after written agreement.

Standard
New STD 96%

Material
High

FRD #1

Service Area
Fraud
Name of Standard
Fraud Case Opening
Definition
Fraud Chargeback Services will open 95% of fraud cases within 10 business days from date of receipt to include image indexing and case creation or 
10 business days following auth/post pending period (5 days) for Falcon to fraud record.  FIS agrees to review this standard 12 mos. after the 
Amendment Effective Date to evaluate for possible adjustment of this standard. Any change in the standard must be mutually agreed upon by 
the parties and will be effective 90 days after written agreement.

Standard
95%

Material
No

FRD #2

Service Area
Fraud
Name of Standard
Inbound calls to Fraud Prevention Service Level Standard
Definition
95% of all calls answered within 45 seconds.
Service Area
Fraud
Name of Standard
Fraud/Dispute portal availability 
Definition
Fraud/Dispute portal will be available 99.5% from 8:00 AM to 8:00 PM ET, excluding weekends, holidays and planned maintenance.

Standard
95%/45 SEC

Standard
99.50%

Material
Low

Material
No

FRD #3         

FRD #4         

Exhibit 12 of 8CISSU #2

CISSU #1

Material
No

Material
Low

Standard
99% STD

Standard
99% STD

Card Issuance (“CISSU”)
Service Area
Card Issuance
Name of Standard
New Accounts Timeliness
Definition
99% of the time new accounts will be processed and mailed to cardholders within three (3) business days as tracked by the system according to 
date of entry. This standard measures all new accounts regardless of card type (i.e. Mag or Chip). 
Service Area
Card Issuance
Name of Standard
Reissue Cards Mailed by the10th business day of the month
Definition
99% of the time the reissue will be mailed by the 10th business day. Total items received for the reissue are determined by information provided 
via file. The reissue cards are tracked according to relative month and date mailed within that month. Volume of cards mailed by the 10th business 
day determines the achievement of the standard.
Payments (“PMT”)
Service Area
Payments
Name of Standard
Process Same Day if Received By 10 AM
Definition
Date and time received are indicated on the batches. As items are posted, the time is documented and determines the achievement of the standard 
when compared to the time/date received.
Service Area
Payments
Name of Standard
Process Next Day if Received After 10 AM
Definition
100 % of all payments shall be processed accurately by FIS.
Service Area
Payments
Name of Standard
Exceptions Processed W/I 3 Days
Definition
Items are tracked and measured the same as regular payments. Exception payments are anything other than a standard size check and statement 
header sent in the standard return envelope supplied by FIS. Missing Acct #’s are researched by name and address on checks or payment media 
when no match can be found, FIS is dependent upon the cardholder contacting Customer Service and FIS cannot be held accountable for processing 
in a timely fashion.

Standard
New STD 96%

Standard
99.9% STD

Standard
100.00%

Material
No

Material
No

Material
Low

PMT #2

PMT #3

PMT #1

E‐Reports (“ERPT”)
Service Area
E‐Reports
Name of Standard "New"
Daily Reports
Definition
100% of the time daily reports will be available via E‐Reports by no later than 10:00 AM Eastern Standard Time.
Relations (“REL”)
Service Area
Relations
Name of Standard
Incoming Calls and Emails Returned within 2 HRS
Definition
Incoming calls and emails will be returned within 2 HRS. Time includes business hours only. Business hours are defined as 8:00 AM to 8:00 PM 
Eastern Time.

Standard
New STD 100%

Standard
98% STD

Material
No

Material
No

REL #1

ERPT #1           

Exhibit 13 of 8Service Area
Relations
Name of Standard
Incoming Calls Returned In 8 HRS

REL #2

Standard
Total Outliers = 4/MO, 
10Q

Material
Low

Definition
Incoming calls and emails will be returned within 8 HRS. Time includes business hours only. Business hours are defined as 8:00 AM to 8:00 PM 
Eastern Time.
Service Area
Relations
Name of Standard
Research Inquiry Resolved in 2 BD
Definition
Inquiries are tracked from the time they are received by the representative (includes voice mail). Excluding weekends and holidays. The inquiries 
are considered resolved when:
 Representative provides resolution to inquirer
 Representative leaves a message with information or requests inquirer to contact Relations Representative. The exception is if additional
information or research is required to obtain the resolution. In this case, the Bank Relations Representative must contact the inquirer within the 
defined timeframe. Business hours are defined as 8:00 AM to 8:00 PM Eastern Time.

Standard
98% STD

Material
Low

REL #3

Service Area
Relations
Name of Standard
Representative Calls To Institution
Definition
Representatives will initiate calls once a month to their assigned Program Members who have not called Bank Relations during the month. The 
objective is to assist in the monitoring of potential institution problems.
Client Technical Services (“CTS”)
Service Area
ClientLink
Name of Standard
Help Desk Staffed To Receive Calls
Definition
The ClientLink help desk will be staffed to answer 90% of total calls offered. Business hours are defined as 8:00 AM to 8:00 PM Eastern Time. 

Standard
90% STD

Standard
90% STD

Material
No

Material
No

REL #4

CTS #1

CTS #2

Standard
100% STD

Service Area
ClientLink
Name of Standard
CTS Responds To Institutions In 2 HRS
Definition
Messages are tracked from the time they are taken. Messages will be returned within 2 hours, expired time includes business hours only. Business 
hours are defined as 8:00 AM to 8:00 PM EST.
System Administration (“SYSAD”)
Service Area
System Administration
Name of Standard
Accuracy Rate – Parameter File Changes
Definition
System Administration will track the number of production Parameter File Change errors on a monthly basis.
An error is defined as correct information provided by the institution and implemented incorrectly by FIS. A parameter file change is defined as any 
record change to a plan. The standard will be calculated by converting the total number of errors / total number of parameter changes to a 
percentage.

Standard
99.7% STD

Material
No

Material
Low

SYSAD #1

Service Area
System Administration
Name of Standard
Accuracy Rate – Cardholder errors
Definition
No more than two (2) days during a calendar month with accuracy issues are permissible (single or cumulative Issues related to inaccurate data or 
activity) that affects 0.1% or more cardholder accounts.

Standard
99.9% STD

Material
High

SYSAD #2

Exhibit 14 of 8MER #1         

MER #2         

Material
Low

Material
High

Standard
95% STD

Standard
99.9% STD

Merchant Services ("MER")
Service Area
Merchant‐Authorizations
Name of Standard
Merchant Authorization System Availability
Definition
Authorization calls will not experience busy signals 99.9% of the time. 
Service Area
Merchant‐Relations
Name of Standard
MAS System Availability
Definition
New merchants will have a download file avaialbe and be ready to process (MAS complete) within two (2) business days of receipt of completed 
application at FIS 95% of the time. 
Service Area
Merchant‐Relations
Name of Standard
Merchant Boarding
Definition
The merchant boarding and maintenance team will record a 99.75% accuracy rate each month. 
Service Area
Merchant‐Relations
Name of Standard
Incoming calls returend w/in 2 HRS
Definition
Relationship Managers will return voice mail within two (2) business hours 96% of the time. 
Service Area
Merchant‐Relations
Name of Standard
E‐Mail Responsiveness
Definition
Relationship Managers will respond to 85% of all e‐mails within two (2) business hours and, 96% of all e‐mails within four (4) business hours. 

Standard
85%/96% STD

Standard
99.75% STD

Standard
96% STD

Material
No

Material
No

Material
High

MER #5           

MER #4           

MER #3           

Service Area
Merchant‐Relations
Name of Standard
Issue Resolution

MER #6           

Standard
85%/2 Bus Days         
96%/5 Bus Days STD

Material
Low

Definition
Eighty‐five (85%) percent of "daily" inquiries will be resolved within two (2) business days and, ninety‐six (96%) percent of "daily" inquiries within 
five (5) business days. 
Service Area
Merchant ‐ Relations
Name of Standard
Customer Contact
Definition
Every institution will have at least one inbound/outbound call per month, 95% of the time. 

Standard
1 I/O 95% per Mo. STD

Material
No

MER #7           

Exhibit 15 of 8Technology (“TECH”)
Service Area
Technology – Credit
Name of Standard All available 24/7 except as noted.
General Customer Service – IVR Availability  
Card Activation System Availability  
TBS Availability  
BASE2000 Availability 
Collection Modules Availability   7am‐11pm EST, M ‐ Sat
ServiceView Availability (BASE2000 CU Access) 7am ‐ 11pm EST M‐F
ClientLink Availability (TBS CU Access)  7am ‐ 11pm EST M‐F
MyCard Statement Availability 
Falcon System Availability 
TBS Authorization System Availability  
BASE2000 Authorization System Availability 
Definition
The above‐identified systems shall be available as noted at the percentage listed excluding scheduled outages.
Service Area
Technology – Credit
Name of Standard
Transmissions from TBS and BASE2000 to Program Members. 
Definition
99% of the time Cardsource, Collections, PIH, CDS and VCF files will be transmitted by 8:00 AM EST on scheduled processing days.

Standard
99.9% STD
99.9% STD
99.75% STD
99.75% STD
99.75% STD
99.75% STD
99.75% STD
99.75% STD
99.5% STD
99.8% STD
99.8% STD

Material
High
Low
High
High
Low
High
High
Low
Low
High
High

Standard
98% STD

Material
Low

TECH #1

TECH #2

Service Area
Technology – Credit
Name of Standard
Incoming Payment file Processing
Definition
 Incoming Payment Files – 97% of all files received processed successfully. Tracked by total files processed vs. failures within a given month.
 FIS Payment File processing (Pay‐by‐Phone, MyCardStatement, ACH) – 97% of all Payment Files processed successfully. Tracked by total files
processed vs. failures in a given month.
 All measurements are on a monthly basis, excluding scheduled downtime and third party network and/or client (Bancard and/or Program 
Member) issues that are outside of FIS’s control.

Standard
97% STD

Material
No

TECH #3

TECH #4

Material
No

Standard
98.5% STD

Service Area
Technology – Credit
Name of Standard
VbV/SecureCode Availability
Definition
Verified by Visa and MasterCard SecureCode will be available 98.5% of the time, excluding scheduled outages.
Service Area
Technology – Pass Thru
Name of Standard
Pass Thru EFT Switch Availability and Authorization System
Definition
99.7% of the time the FIS Pass Thru EFT switch and authorization system will be available excluding scheduled outages.
Service Area
Technology – Pass Thru
Name of Standard
Pass Thru Debit Central Transaction Files
Definition
 Early CTF's – 98% of the time, FIS’s central transaction files will be available for file transmission to the Program Member by 6:00 PM EST.
 Late CTF’s – 98% of the time, FIS’s central transaction files will be available for file transmission to the Program Member by 2:00 AM EST the 
following day.

Standard
99.7% STD

Standard
98% STD

Material
High

Material
No

TECH #5

TECH #6

Exhibit 16 of 8TECH #7

TECH #8

PMAIL #1

Material
No

Material
High

Standard
98% STD

Standard
100% STD

Standard
99.7% STD

Service Area
Technology – Pass Thru
Name of Standard
Pass Thru Debit Positive Balance Files
Definition
98% of all positive balance files will be processed every 2 hours between 6:00 AM and 11:59 PM EST. Exception – when there is a scheduled IPL of 
the IBM Mainframe; then the 6:00 AM positive balance file is processed at 8:00 AM.
Service Area
Technology ‐ Norcross
Name of Standard
Norcross Authorization System
Definition
99.0% of the time the FIS‐Norcross authorization system will respond to incoming authorization requests.
Production Mail (“PMAIL”)
Service Area
Production Mail
Name of Standard
Statements Mailed 21 calendar days before due date
Definition
Statements will be mailed within 21 days of system due date. The delivery standard is 100%; however, this standard will not be eligible for penalty 
unless service is below 99.5%.
Service Area
Production Mail
Name of Standard
PIN Mailers
Definition
PIN Mailers will be mailed within 2 business days of generation 95% of the time.
Service Area
Production Mail
Name of Standard
Cardholder letter and notices
Definition
Cardholder letters and notices will be mailed within 3 business days, 95% of the time.
Billing & Settlement (“BLING”)
Service Area
Settlement & Billing (TBS, BASE2000, Pass Thru)
Name of Standard
Daily Settlement Accuracy
Definition
Daily settlement between FIS and the Program Members will settle w/in 2 Business Days excluding weekends and bank holidays, for the reported 
amount 99% of the time. e.g. Monday's work settles Wednesday, Tuesday's work on Thursday, Wednesday's work on Friday. Note, that work 
processed on Thursdays and Fridays will both settle on Mondays. 
A. Customer Voice Operations ‐ 100% US‐Based.  One hundred percent (100%) of all customer voice operations shall be handled in the United 
States. 

Standard
New STD 99.0 %

Standard
95% STD

Standard
95% STD

Material
No

Material
No

Material
HIGH

Material
High

PMAIL #2

PMAIL #3

BLING #1           

B.   Measurement; SLA Failure.  Unless otherwise provided herein, the SLA’s shall be measured on a monthly basis and on a system‐wide basis (not 
individual Program Member basis) and pursuant to the following formula: (TM – OM) / TM. “TM” means total clock minutes during the month. 
“OM” or “Outage Minutes” means the number of minutes during the month that the SLA is not being satisfied (for example, the system is not 
capable of processing any data or transaction from any source), excluding any Excluded Outage.

Exhibit 17 of 8“Excluded Outage” means periods of time or minutes that the SLA is not met due to any event beyond FIS’s reasonable control, including, but not 
limited to, the occurrence of a force majeure event; pre‐scheduled downtime (for example, scheduled preventive maintenance, servicing of 
hardware, hardware upgrades, and software upgrades); failure of the data communications carrier lines between Bancard's and/or Program 
Member's systems and FIS, and/or unavailability of Program Member's systems; failure by Program Member or its third‐party providers' to perform 
under the Agreement; and special production jobs, testing procedures, or other services which are given priority at Program Member's request. 
Scheduled preventive maintenance will be at times designed  to minimize or avoid disruption of Program Member's operations. Any downtime due 
to FIS's failure to comply with its disaster recovery policies shall not constitute an Excluded Outage.

An “SLA Failure” means the failure to achieve an SLA as measured pursuant to the foregoing, excluding any Excluded Outage. For those SLAs that 
take into consideration a daily performance metric as part of measuring FIS's performance over a monthly period, an SLA Failure shall only be 
deemed to occur when FIS fails to achieve the specified SLA for the monthly measurement period. 

C.   Remedies.  In the event of an SLA Failure with respect to a Standard designed as “high” in any one (1) month, FIS will pay to Bancard an SLA 
Credit (as defined below). In the event of an SLA Failure with respect to the same Standard designed as “low” in two (2) consecutive months, FIS will 
pay the affected Program Members an SLA Credit. In the event of an SLA Failure with respect to any Standard designed as “no” (3) three or more 
times in any two (2) consecutive months FIS will pay to Bancard an SLA Credit. In the event of an SLA Failure with respect to the same Standard 
designed as “no” occurs four (4) or more times in one twelve (12) month rolling period, FIS will pay the affected Program Members an SLA Credit.

If FIS is installing new enhancements, hardware, experiencing an industry event, weather impact, or other special circumstances, then FIS will 
provide notice of an “exempt period” that is mutually agreeable to both Bancard and FIS. Any such "exempt period" shall be reasonable in duration 
taking into account the severity and impact of the situation at hand. 

The aggregate amount of any SLA Credit to be paid by FIS to Bancard and/or its Program Members shall be determined as follows: FIS will pay to 
Bancard an aggregate amount of fifty thousand dollars ($50,000) for the first month that an SLA Credit is due, seventy‐five thousand dollars 
($75,000) for the second consecutive month that an SLA Credit is due, and one hundred fifty thousand dollars ($150,000) for the third month that 
an SLA Credit is due and each consecutive month thereafter. Notwithstanding the foregoing, the SLA Credit for any SLA Failure or combination of 
SLA Failures shall be limited to and shall not exceed two hundred thousand dollars ($200,000) per month; that is, the SLA Credit for a single SLA 
Failure, multiple SLA Failures or consecutive SLA Failures shall not exceed $200,000 per month; that is, the SLA Credit for a single SLA Failure, 
multiple SLA Failures or Consecutive SLA Failures shall not exceed $200,000 per month. 

D.   Annual Review.  A formal, annual collaborative process will be established to review the SLAs no later than end of first quarter following 
calendar year‐end. This  review will include review of past performance, metrics, and possible compliance concerns. Any changes to the SLAs shall 
be mutually agreed upon by the parties in writing.

NEW ‐ FIS agrees to provide Bancard with an overview of  internal policies and procedures relative to SLA's metrics and reporting for distribution to 
it's Program Members. 

NEW ‐ Bancard may request review a standards after March 05, 2017 to evaluate possible SLA's relative to new Tokenization services. 

Any additional SLAs must be mutually agreed upon in writing and will become effective 120 days following execution of the written agreement. 

Exhibit 18 of 8Exhibit 2 to 2011 Renewal Service Agreement 
FIBA MEMBERSHIP AGREEMENT GENERAL TERMS AND CONDITIONS 

These  general  terms  and  conditions  (“FIBA  Agreement”)  between  Financial  Institution  Benefit  Association,  Inc.,  a 
Washington,  D.C.  non-profit  corporation,  (“FIBA”)  and  the  undersigned  (“Sponsoring  Member”)  are  incorporated  into 
each  fully  executed  Rider  referencing  them  (each  an  “Agreement”)  and  are  effective  as  of  the  later  of  the  dates  on 
which  the  parties  sign  below  (“Effective  Date”).    This  FIBA  Agreement  supersedes  and  replaces  any  and  all  prior 
agreements between the parties and/or their affiliates, subsidiaries, predecessors, successors, or assigns for the same 
or similar services described herein. 

  As  of 

1. Service; Participants.  The categories of Sponsoring
Member’s  customer  accounts  who  will  receive  one  or 
more  of  the  FIBA  membership  services  (“Participants”) 
identified  on  each  Rider  collectively,  (the 
that  are 
“Services”),  which  incorporate  the  FIBA  Agreement  by 
reference  (“Rider”). 
the  Effective  Date,  all 
Participants  shall  become  individual  members  of  FIBA 
subject  to  the  FIBA  Bylaws,  a  copy  of  which  is  available 
upon  request.    The  Services  shall  commence  on  the 
date(s) set forth in the Rider.  
2. FIBA  Sponsoring  Member.    Sponsoring  Member
shall  become  a  sponsoring  member  of  FIBA  as  of  the 
Effective  Date  and  shall  abide  by  the  FIBA  Bylaws.  
Sponsoring  Member  shall  have  all 
the  rights  and 
privileges  of  a  Sponsoring  Member  and  may  offer 
Participants  any  or  all  of  the  Services  identified  to 
Sponsoring Member from time to time by FIBA, subject to 
the  written  agreement  of  the  parties.    The  term  of 
Sponsoring  Member’s  membership  in  FIBA  shall  be  the 
same as the term of this FIBA Agreement.  

2.1  FIS,  as  program  administrator,  shall  provide 
Services,  if  applicable  in  accordance  with  the  relevant 
Rider.    Upon  termination,  and  with  mutual  agreement  of 
the parties, FIBA agrees, where applicable, to provide any 
Services  directly  to  any  Participant  on  a  direct  bill  basis 
and  to  return  a  mutually  agreed  upon  revenue  share  to 
Sponsoring Member. 
3. Responsibilities  of  FIBA;  Third  Party  Beneficiary.
FIBA  represents  and  Sponsoring  Member  acknowledges 
that  FIBA  has  contracted  with  FIS  to  perform  some  of 
FIBA’s obligations under  an Agreement  and that  in some 
instances  FIS  has  contracted  with  various  vendors  to 
make certain Services available to Participants.  FIS shall 
be a third party beneficiary of any such Agreement.  
4. Fees.

4.1   Sponsoring  Member  shall  pay  FIBA  through  its

agent FIS fees due under any Rider. 

4.2  Sponsoring Member shall pay to FIBA a one-time 
FIBA  Membership  Fee  of  two  hundred  and  fifty  Dollars 
($250.00) at the time this FIBA Agreement is signed. This 
one-time fee shall be in addition to any enrollment fees for 
specific products and services as indicated on a Rider. 
Inspection of Records.  From time to time during the
5.
term  of  an  Agreement  and  for  one  (1)  year  following  the 
date upon which any and all exposure under the relevant 
Services  ceases  to  exist,  FIBA,  FIS,  Financial  Insurance 
Marketing Group, Inc. (“FIMGI”) and/or applicable vendors 
when accompanied by a FIS representative shall have the 
right  to  review  Sponsoring  Member’s  books  and  records, 
operating  systems  and  procedures  to  the  extent  that 
inspection  and 
to  evaluate 
Sponsoring Member’s performance under and compliance 

review  are  necessary 

with  such  Agreement.  Sponsoring  Member  shall 
cooperate  with  FIBA,  FIS,  FIMGI  and/or  the  applicable 
vendors during inspections and reviews.  Any inspection 
shall  be  upon  ten  (10)  days  advance  written  notice  and 
conducted  during  regular  working  hours  at  Sponsoring 
Member’s  offices.    Such  inspection  shall  be  at  the  sole 
expense  of  FIBA,  FIS,  FIMGI  and/or  the  vendors,  as 
applicable.  
6. Restrictions  on  Printing.   No  party  shall  use 
another  party’s  name,  trademarks  or  other  likeness  in 
any  articles,  publications,  advertising  materials  or  the 
like,  without  the  named  party’s  prior  written  approval  , 
which  shall  not  be  unreasonably  withheld;  provided, 
however,  that  FIBA  and  FIS  may  identify  Sponsoring 
Member as receiving Services without prior approval. 
Sponsoring  Member  shall  also  secure  FIBA’s  written 
approval  prior  to  the  use  or  dissemination  of  any  FIBA 
materials, 
to  Participant 
promotional  material,  telemarketing  or  customer  service 
scripts,  names  of  vendors,  administrators  or  insurance 
companies,  materials  describing  FIBA  Membership 
benefits,  FIBA  programs  or  any  reference  thereto,  or 
materials describing any insurance coverage. 

including  but  not 

limited 

trade  secrets 

federal  and/or 

Sponsoring  Member  agrees  that  the  Program,  including 
any  associated  documentation,  code,  report  formats, 
screen displays, and menu features are:  (i) the exclusive 
property  of  FIBA,  FIS,  and/or  its  Eligible  Providers  and 
may  be  protected  by 
international 
copyright  and/or  other  intellectual  property  laws;  and/or 
(ii) 
that  may  contain  Confidential 
Information  of  FIBA,  FIS,  and/or  its  Eligible  Providers.  
Sponsoring  Member  shall  not  permit  any  personnel  to 
remove  any  proprietary  or  other  legends  or  restrictive 
notices  contained  or  included  in  any  materials  provided 
by  FIBA,  FIS,  or  its  Eligible  Providers.    Sponsoring 
Member shall not permit any personnel to copy or modify 
any such materials.     

7. Confidentiality.    All  of  a  party’s  business  and 
customer  information,  whether  in  the  form  of  reports, 
lists,  data,  documents,  drawings, 
plans,  customer 
writings,  samples,  know-how,  marketing  strategies, 
business  operations  and  business  systems,  or  other 
proprietary  material,  shall  be  considered  “Confidential 
Information.”    Non-public  information  that  is  personally 
identifiable  to  Participants  (referenced  in  the  Gramm-
Leach-Bliley  Act  of  1999  as  “Non-public  Personal 
Information”  or  “NPI”)  shall  be  treated  as  Confidential 
Information  whether  received  directly  from  Sponsoring 
Member, FIBA, FIS or any other third party. For purposes 

of  this  section,  Confidential  Information,  other  than  NPI, 
shall not include information that becomes available to the 
public through no wrongful action of the receiving party, is 
already  in  the  possession  of  the  receiving  party  and  not 
to  an  existing  agreement  of  confidentiality 
subject 
between the parties, is received from a third party without 
restriction  and  without  breach  of  the  Agreement,  is 
independently  developed  by  the  receiving  party,  or  is 
disclosed  pursuant  to  a  requirement  or  request  from  a 
government agency. 

regarding 

such  Confidential 

7.1   Each  party  shall: 

(i)  not  use  or  disclose 
Confidential Information other than as required to perform 
its  obligations  under  an  Agreement;  (ii)  use  the  same 
degree  of  care  to  protect  the  other  party’s  Confidential 
Information  as  it  uses  to  safeguard  its  own;  (iii)  establish 
procedural, physical and electronic safeguards to prevent 
the compromise or unauthorized disclosure of Confidential 
Information; (iv) restrict access to Confidential Information 
to  those  employees  and  persons  in  the  receiving  party's 
organization  with  a  need  to  know  such  Confidential 
Information  in  order  to  perform  their  obligations  under  an 
Agreement,  and  instruct  such  employees  and  persons 
that  they  must  adhere  to  the  same  obligations  as  the 
parties 
Information.  
Additionally, FIS shall (i) promptly investigate any security 
breach  to  determine  whether  such  incident  resulted  in  or 
is  likely  to  result  in  misuse  of  NPI,  (ii)  notify  Sponsoring 
Member,  (iii)  if  requested  by  Sponsoring  Member,  assist 
Sponsoring  Member  in  notifying  its  affected  Participants 
and (iv) comply with all current and future regulations with 
regard  to  NPI  that  are  applicable  to  it  as  a  third  party 
processor.    To  the  extent  FIS  retains  third  party  vendors 
to  assist  it  in  performing  its  duties  under  an  Agreement, 
FIS shall first require such vendor similarly to protect and 
Information.  
restrict 
Notwithstanding the foregoing, the parties shall be free to 
disclose 
tax  structure  of  any 
transaction under an Agreement.  Confidential Information 
shall  remain  the  property  of  the  party  from  or  through 
whom  it  was  provided.    The  obligations  of  confidentiality 
shall survive termination of any Agreement. 
8. Notices.    Any  notice  provided  in  connection  with  an
Agreement  shall  be  in  writing  via  overnight  delivery.  
the 
Notices  shall  be  delivered 
appropriate  party  at  its  address  set  forth  in  this  FIBA 
Agreement  or  in  the  case  of  notices  to  FIS,  to  the 
attention  of  the  General  Counsel,  601  Riverside  Avenue, 
Jacksonville, Florida 32204. 
9. Taxes.   All  fees,  costs  and  expenses  owed  by 
Sponsoring  Member  are  stated  and  invoiced  exclusive  of 
applicable  taxes  and  other  similar  charges.    Sponsoring 
Member shall be solely responsible for paying such taxes 
or  other  similar  charges,  exclusive  of  FIBA  and  FIS's 
income  taxes.    Sponsoring  Member  shall  also  be  solely 
responsible  for  assessing  and  remitting  payment  of  all 
such items to the appropriate authorities.  If FIBA is  ever 

the  attention  of 

of  Confidential 

treatment  or 

use 

the 

the 

tax 

to 

to  net  FIBA 

Sponsoring  Member 

required  by  law  to  collect  a  tax  or  other  similar  charge 
from  Sponsoring  Member,  or  if  Sponsoring  Member  is 
ever required by law to withhold such an amount from a 
payment due to FIBA, the invoice shall be grossed-up as 
the  original  amount,  and 
necessary 
Sponsoring  Member  shall  pay  the  grossed-up  amount 
within the time prescribed for the payment of fees.  
10. Modifications  or  Amendments.
Except  as 
otherwise  provided for  in  an Agreement, no  amendment 
or  modification  of  this  FIBA  Agreement  shall  be  valid 
unless in writing and signed by both parties.  
11. Indemnification.
shall 
indemnify,  defend,  and  hold  harmless  FIBA,  its  officers, 
employees, directors and shareholders, in their individual 
capacities  or  otherwise  and  FIS,  its  officers,  employees, 
directors  and  shareholders,  in  their  individual  capacities 
or otherwise, from and against any and all losses, claims, 
demands,  penalties,  actions,  causes  of  action,  suits, 
liabilities,  damages,  delays,  costs  or 
obligations, 
expenses, 
fees, 
including 
(collectively,  "Losses”)  resulting  from,  arising  out  of,  or 
incurred  in  connection  with:  (i)  Sponsoring  Member’s 
gross  negligence  or  willful  misconduct  resulting 
in 
personal  injury  or  property  damage;  (ii)  Sponsoring 
Member’s  misuse  of  the  Services  or  failure  to  comply 
with 
the  Agreement,  (iii)  Sponsoring 
Member’s  failure  to  comply  with  applicable  law;  (iv)  any 
rights,  unfair 
claim  of 
competition  or 
trademarks, 
copyrights,  patents  or  other  intellectual  property  caused 
by  Sponsoring  Member  and  (vii)  any  Participant  claims, 
actions or suits.  
12. Miscellaneous.

libel,  violation  of  privacy 

reasonable  attorney's 

infringement  of  any 

terms  of 

the 

12.1 Sponsoring Member shall not assign nor transfer 
any  interest,  right  or  obligation  under  an  Agreement 
without the prior written consent of FIBA, which shall not 
be unreasonably withheld. Subject to the foregoing, such 
Agreement shall be binding upon and inure to the benefit 
of the parties and their successors or assigns.  

12.2 Any  dispute,  difference,  controversy  or  claim 
arising out of or relating to an Agreement shall be settled 
by  binding  arbitration  before  a  single  arbitrator 
in 
accordance  with  the  commercial  rules  of  the  American 
Arbitration  Association  ("AAA").    Judgment  on  any 
resulting  award  may  be  entered  by  any  court  having 
jurisdiction  over  the  parties  or  their  respective  property.  
The parties renounce all right to litigation and agree that 
any  arbitration  award  shall  be  final  and  binding.  The 
arbitration  shall  be  conducted  in  Jacksonville,  Florida.  
The  arbitrator  shall  decide  any  issues  submitted  in 
accordance  with 
the  provisions  and  commercial 
purposes of the Agreement, provided that all substantive 
questions of law shall be determined in accordance with 
the state and Federal  laws applicable  in Florida,  without 
regard to internal principles relating to conflict of laws.  

12.3 In  order  to  maintain  quality  service,  FIS  may 
monitor  and/or  record  any  telephone  communications 
between  the  applicable  customer  service  center  and 
Sponsoring Member, its employees, agents or customers, 
without further notice or disclosure.  

12.4 Except  for  FIBA  and  FIS’s  right  to  receive 
Liquidated  Damages  in  lieu  of  lost  profits  under  the 
applicable  Rider(s),  neither  party  shall  be  liable  for  any 
special, exemplary, incidental  or consequential damages, 
including  lost  profits.    Neither  party  nor  their  agents  or 
vendors  shall  be  liable  for  any  loss  or  damage  due  to 

causes  beyond  its  control,  including  earthquake,  war, 
acts of terrorists, fire, flood, power failure, acts of Nature 
or other catastrophes.  

12.5 In the event that any  provision of an Agreement 
is  invalid  or  unenforceable  as  a  matter  of  law,  such 
invalidity  or  unenforceability  shall  not  affect  any  other 
provision  of  the  Agreement,  but  shall  be  construed  as  if 
such provision(s) had never been contained therein. 
12.6 Capitalized Terms not defined in this FIBA 

Agreement  shall  have  the  meaning  ascribed  to  them  in 
the Rider. 

SPONSORING MEMBER   

FINANCIAL INSTITUTION BENEFIT ASSOCIATION, INC. 

Print Name and Title Here 

Print Name and Title Here 

Street Address / P.O. Box 

P.O. Box 31065   Tampa, Florida 33631-3065 

City 

State 

Zip 
Code 

Phone Number 

Fax Number 

Print FIS Account Executive Name 

Main Institution Number 

Contact Name and Title 

Signature 

Date 

Signature 

Date 

FIDELITY NATIONAL CARD SERVICES, INC.
ICBA Bancard
SCHEDULE A
FULL SERVICE CREDIT CARD SERVICES AND FEES
EFFECTIVE JANUARY 1, 2016
The following fees apply to each Program Member separately (i.e., they are not cumulative).

(TBS Platform)

1. Card Personalization
(Excluding postage/delivery and cost of plastic)

Description

Fee

1.1 Card Generation
1.2 Transmission to an Alternate sourcing option, as 
applicable
1.3 Embossing ‐ Includes: Embossing and Encoding of Plastic, 
Standard Card Carrier, Standard Envelope, Inserting of 
Carrier and Plastic

1.4 PIN Generation ‐ Regular

1.5 IVR PIN Customization
1.6 Returned Plastics

1.7 Special Requests (Priority Issuance) Excludes postage. 

$0.10 per card
$25.00 (per transmission)

Accounts on File
1 ‐ 2,500
2,501 ‐ 5,000
5,001 ‐ 10,000
10,001 ‐ 15,000
15,001 ‐ 20,000
over 20,000
Includes:
Generation of Personal Identification 
Number ("PIN") Includes PIN Mailer and File 
Update

Customer Select PIN
Includes:
Handling of Return Mail
Send Notification to Program Member
Includes:
All Items listed under “Embossing" plus 
receipt and handling of request and, 
Expedited processing of plastic to insure 24‐
hour turnaround on normal business days

Fee per card
$0.375
$0.365
$0.355
$0.350
$0.345
$0.340
Fee per pin
$0.210 each

$0.263 each
Fee per instance
$1.00 each

Fee per instance
$10.50 each

1.8 Plastic Destruction
1.9 Sticker Removal
1.10 Ultragraphics Logo Set Up
1.10.1

1.10.2

1.10.3
1.10.4
1.10.5
1.11 Epix Design Storage
1.11.1 Epix Set Up Fullfillment Only
1.11.2 Epix Hosting ‐ Fulfillment Only
1.12 EMV ‐ Chip Card Data Prep and Personalization
1.13 Card Activation (Optional Service)

1.13.1 Custom Card Activation Labels
1.14 Custom Card Carriers

$200.00 per Logo

Fee
$150.00 per Logo

Quoted Separately
Quoted Separately
Quoted Separately

$0.055 Each
$0.164 Each
Description
Standard image creation (front logo w/ back 
text) Add/Delete/Change
Premium image creation (logos front and 
back Add/Delete/Change
Out of specification art work
Custom Work
Rush Logo Fees
$0.05 per image/per month
$1,000.00 one time
$100.00 per month
$0.25 per card
The following fee schedule will apply per credit card account issued, reissued or converted to 
FIS, whether the card is activated, activation is declined or no activation attempt is made at 
all:
Number of Accounts
1 to 15,000
15,001 to 30,000
30,001 to 45,000
45,001 to 75,000
75,001 to 100,000
100,001 to 150,000
150,001 to 200,000
over 200,000
Quoted Separately
Quoted Separately

Fee per Account
$0.893
$0.851
$0.809
$0.767
$0.732
$0.703
$0.678
$0.657

Core   Non‐
Core1

C
C

NC
NC
NC
NC
NC
NC

C

C

NC

NC

NC

NC

NC
NC
NC
NC
NC
NC
NC
NC

NC
NC
NC
NC
NC
NC
NC
NC
NC
NC

Schedule A1 of 111.15 Card Carrier Inserts
1.15.1
1.15.2
1.15.3
1.15.4
2. File Residency and Maintenance

2.1 New Account boarding (online)
2.2 File Residency
2.3 File Maintenance (online) 
2.4 Temporary Credit Line increase
2.5 TBS Small Business
2.5.1 Account Retention

2.5.2 Central Billed Statement
3. Authorizations & Transactions
3.1 Authorization Request

3.2 Name Match Authorization
3.3 EMV Scripting
3.3.1 Scripting Management Fee

3.3.2 EMV Scripting Transaction Fee
3.3.3 EMV Authorization Request
3.4 Token Provisioning Fee
3.5 Tokenizataion FIS Customer Service (Optional)

Description
1.6.1  Daily insert Set Up Fee
1.6.2  One‐time setup fee
1.6.3 One‐time additional set up fee 
1.6.4 Per Insert

Fee
$2.10 per set up
$315.00 one‐time
157.50 one‐time per card type
$0.042 per insert

Description
New account
Per account on file
Date of last maintenance update

Description
Per Business Cardholder account 
Per Master Account
Per  Central Billed Statement

Authorizations per Month
1 to 100,000
100,001 ‐ 200,000
200,001 ‐ 400,000
400,001 ‐ 600,000
Over 600,000

Fee per change
$0.034
$0.025
$0.034
$5.25 each
Fee
$0.025 per account
$0.50 per master account
$0.50 per statement

Fee per Request
$0.0460
$0.0307
$0.0247
$0.0197
$0.0177
No Charge

Fee
$50.00 per bank/per month
$100.00 per bank/per month
$250.00 per bank/per month
$500.00 per bank/per month

EMV Accounts on File
0 to 1,000
1,001 to 5,000
5,001 to 20,000
over 20,000
$0.10 per delivered/executed script per account
$0.0017 per EMV authorization request
$0.05 Per token provision
$50.00 per month/ber bank and, $1.50 per call 

3.6. EMV Host Implementation (excludes Visa and/or MasterCard fees which are passed through or billed direct to client.).  Requires Use of Card Brand's corresponding 
On Behalf of Services (OBS). 

3.6.1 Standard Implementation
3.6.2 Custom Implementation

$750.00. Includes 1 BIN. Excludes mass reissue.

40 Hours at Professional Services/Programming Rate. Includes 1 BIN with Project 
management, Implementation System Adminstration, key management and FIS testing 
required for brand approval.

3.6.3 Additional BIN Fee
3.7 EMV Card Personalization Implementation (excludes Visa and/or MasterCard fees which are passed through or billed direct to client.)
3.7.1 Standard Implementation
3.7.2 Custom Implementation
3.7.3 EMV BIN Implementation Fee
3.7.4 EMV Certificates (offline profile)
4. Posting Transactions (the following fees apply to each bank separately, they are not cumulative)

$12,500 per profile
By Quote
$1,250.00 per BIN
$500.00 per certificate

$250.00 per additional BIN.

Description

4.1 Transaction Processing and Posting
(Applies to each sale, purchase, return and cash advance. Fee 
also applies to any lockbox payments processed by FIS.)

Number of Accounts

Fee
Fee (per Transaction)

1 to 34,500
34, 501 to 69,000
69,001 to 103,500
103,501 to 166,667
166,668 to 208,333
208,334 to 250,000
250,001 to 375,000
375,001 to 458,333
458,334 to 500,000
500,001 to 541,667
541,668 to 583,333
583,334 to 625,000
625,001 to 666,667
over 666,667

$0.1160
$0.1050
$0.0879
$0.0789
$0.0709
$0.0619
$0.0539
$0.0529
$0.0509
$0.0499
$0.0479
$0.0459
$0.0449
$0.0429

NC
NC
NC
NC

C
C
C
C

C
C
C

C
C
C
C
C

NC
NC
NC

NC
NC

NC

NC
NC
NC
NC

C
C
C
C
C
C
C
C
C
C
C
C
C
C

Schedule A2 of 114.2 Settlement (Sale, Credit, Cash Advance transactions)

$10,000 monthly cap per bank

$0.034 per transaction

4.3 Transaction level Processing (TLP) Screening
4.4 TLP posing, when applicable (transaction posting to a 
qualifying plan.)

Waived
Accounts on File

Fee per Qualifying Transaction

1 to 20,000
20,001 to 40,000
40,001 to 60,000
60,001 to 80,000
80,001 to 100,000
over 100,000

$0.042
$0.037
$0.032
$0.026
$0.021
$0.016

Waived

4.5 System Generated Issuer Fees
(Annual fees, late fees, over‐limit fees, currency conversion 
fees, member pay insurance, member pay card 
enhancements and other assessed or system generated fees)

4.6 Statement Check
5. Reporting
5.1 e‐Reports

5.2 Monthly Archive CD
5.3 Ad Hoc Reports

$3.00 per Check Posted

Description
Implementation Fee
Monthly Fee
Monthly Per Page
Recreate Purged Reports
Per CD
Does not include reports that require 
special programming.

Fee
$78.75 one‐time
$52.50 per bank, per month, $300 max
$0.005 per page, $2,750 maximum per month
$157.50 per Day
$52.50 per CD, per month
$52.50 each

5.4 Visa Commerical File Format/MasterCard Commerical Data File
5.4.1 VCF Implementation Fee
5.4.2 VCF Monthly Maintenance Fee
5.4.3 VCF Data Transmission Fee
5.4.4 CDF Implementation Fee
5.4.5 CDF Monthly Maintenance Fee
5.4.6 CDF Data Transmission Fee
5.5 Credit Bureau Reporting

$250.00 per Company/One Time
$10.00 Per Company/per month
$0.0035 per kilobyte/per month
$250.00 per Company One Time
$10.00 Per Company/per month
$0.0035 per kilobyte/per month
per bank, per bureau per month

$18.00 

5.6 Posted Item History (PIH) Data Files

Description

5.6.1 Implementation Fee

5.6.2 Monthly Maintenance Fee

5.6.3 Transaction Fee (Assessed on Each Posted Transaction)

6. Interface to Core Processors
6.1 Transaction Fee

6.2 Implementation if to Core Processor
6.3 Implemenation if to Financial Institution
6.4 Monthly Maintenance if to Core Processor
6.5 Monthly Maintenance if to Financial Institution
7. GUI System Access
Description
7.1 Monthly Access Client Link Tiers

7.2 Additional Users ClientLink

Request
Direct Connection to FIS
Connection through Processor
Request
Direct Connection to FIS
Connection through Processor
Number of Accounts
1 to 5,000
5,001 to 15,000
15,001 and up

Account on File
1‐5,000
5,001‐ to 15,000
over 15,000
one time
one time
Per bank per month
Per bank per month

Accounts on File
1 ‐ 500 (inc. 2 users)
501 ‐ 1,000 (inc. 3 users)
1,001 ‐ 5,000 (inc. 5 users)
5,001 ‐ 10,000 (inc. 10 users)
over 10,000 (inc. 15 users)
Additional Users
Additional users 1 ‐ 5
Additional users 6 ‐ 15
Additional users 16 ‐ 25
Additional users > 25

Fee
Rate
$1,050.00
$250.00
Rate
$250.00
$25.00
Rate per Transaction
$0.0049
$0.0033
$0.0016

Fee per posted Transaction
$0.005
$0.003
$0.002
$262.50
$1,050.00
$26.25
$262.50

Fee
$190.00 per bank/per month
$220.00 per bank/ per month
$360.00per bank/per month
$650.00 per bank/per month
$1050.00 per bank/per month
Fee
$30 each  if exceeding allowance
$20 each if exceeding allowance
$10 each if exceeding allowance
$5 each if exceeding allowance

C

C

C
C
C
C
C
C
C

C
C
C
C
C
C

NC
NC
NC
NC
NC
NC
C

NC
NC

NC
NC

NC
NC
NC

C
C
C
C
C
C
C

NC
NC
NC
NC
NC

NC
NC
NC
NC

Schedule A3 of 118. Collections Module GUI
8.1 Monthly Access  Collections Tiers

8.2 Account Residency
8.3 Collection Inquiry transaction
9. Agent Access
9.1 Monthly Access

Accounts on File
1 to 500 (inc. 2 users)
501 to 1,000 (inc 3 users)
1,001 to 5,000 (inc. 5 users)
5, 001 to 10,000  (inc. 10 users)
over 10,000 (inc. 15 users)
Accounts in collections
Per inquiry

Accounts on File
1 to 200
201 to 300
301 to 500
501 to 1,000
1,001 to 5,000
5,001 to 10,000
over 10,000

Fee
$15 per bank, per month
$20 per bank,  per month
$25 per bank, per month
$65 per bank, per month
$110 per bank, per month
$0.105 per account in collections
$0.011 each

Fee
$10.00 per bank, per month
$15.00 per bank,  per month
$20.00 per bank, per month
$55.00 per bank, per month
$90.00 per bank,  per month
$165.00 per bank,  per month
$265.00 per bank,  per month

10. Cardholder Website ‐ MyCardStatement
MyCardStatement is a service that provides cardholders access to their credit card information via the Internet at MyCardStatement.com. Cardholder 
functionality includes the ability to view account balance, transaction and historical statement information and to pay their monthly credit card invoice on‐
line.

Description

10.1  Implementation Fee ‐ Customized
10.2 Implementation Fee ‐ Non‐ Customized
10.3 Monthly Enrolled Account Fee

10.4 Monthly Fee

10.5Administrative Change
10.6 Banner Advertisement Add, Change or Delete

$525.00 One‐time
$210.00 One‐time
Number of Enrolled Accounts
1 to 500
501 to 1,000
1,001 to 1,500
1,501 to 2,000
2,001 to 3,000
over 3,000
Number of Accounts on File
1 to 2,000
2,001 to 5,000
5,001 to 10,000
over 10,000
$52.50 each change
$105.00 each

10.7 Multi Factor Authentication
10.8 MFA Per Institution Monthly Fee
10.9 Single Sign‐On (SSO) New Vendor
10.9.1 Single Sign On (SS0) Existing Vendor
11 eZBusiness Card Management
Online tool for business accounts w/Company Adminstrators 
and business cardholders. 

$0.041 per Enrolled Cardholder
$16.75 per bank
Implementation
Implementation

Description

Fee

Fee per Cardholder Enrolled
$0.300
$0.270
$0.245
$0.224
$0.206
$0.190
Fee
$43.60 per bank
$109.00 per bank
$218.00 per bank
$436.00 per bank

$6,000.00 One‐time
$1,000.00 One‐time

Fee

$5,000 

11.1

11.2
11.3
11.4
11.5
11.6
11.7
11.8
11.9
11.10
11.11 eZBusiness BeB SSO Implementation
12. eZBusiness for FI's 

12.1 Implementation Fee
12.2 Users

12.3 Changes
12.4 Messaging Bundle
12.5 Statement Image Archive Access ‐ Non Enrolled 
Cardholders ‐ Provides access to 24 mos. of statement images 
for non‐enrolled cardholders via eZBusiness

Set Up Fee Includes: Up to 5 Admin Groups 
w/Implementation. Additional groups or 
changes @ $100 per change. One time 2 hr 
training Webinar. 

Participation Fee
Enrolled Company Record
Administrative Users
Maintenance Change Fee
eZBusiness Training
Mutli‐Factor Authentication
No Charge for implementation, $0.06 per email
$300.00 Implementation fee per bank; $0.29 per phone message
$300.00 Implementation Fee per bank; $0.147 per text message
$1500.00 One Time, No recurring fees associated with this feature.

$500 per bank/per month
$3.00 per enrolled company record
$3.00 per Admin user/per month
$100 per change
$150.00 per hour
$16.75 per bank/per month

Description
One Time per FI Set up
Users 1 ‐ 5
Users 6+
Per Request
Per Month
$0.015 per Account on file

Fee
$1,000.00
$125.00 per month for users 1 ‐ 5
$25.00 per user, per month
$100.00 each
$25.00

NC
NC
NC
NC
NC
NC
NC

NC
NC
NC
NC
NC
NC
NC

NC

NC
NC

NC
NC
NC
NC
NC
NC

NC
NC
NC
NC
NC
NC

NC
NC
NC
NC

C

C
C
NC
NC
C
NC
NC
NC
NC
NC

NC
NC
NC
NC
NC
NC

Schedule A4 of 1113. Payment Processing
13.1 ACH and Remote

13.2 Lockbox

Accounts on File
1 to 100,000
over 100,000
Accounts on File
1 to 10,000
10,001 to 20,000
20,001 to 50,000
50,001 to 100,000
100,001 to 200,000
over 200,000
13.3 Pay By Phone ‐ Cardholder payment processed via IVR or Customer Service Agent. Excludes letter, postage and transaction posting fee

Fee
$0.133 each
$0.095 each
Fee
$0.186 each
$0.175 each
$0.165 each
$0.156 each
$0.148 each
$0.128 each

13.3.1 Pay By Phone CSR
13.3.2 Pay By Phone IVR
13.4 Real‐Time Payments (Immediate Avail Credit)
14. Statements & Notices
14.1 Statement Generation (CH Level)

14.2 Statement  Production: (excludes postage) ‐ Includes: 
Preparation of Monthly Cardholder Statement, All Standard 
forms and standard pring, inserting and handling of reprints 
and Statements held for special processing. 

$5.00 per payment
$2.00 per payment
$0.50 per posted payment

Statement Generation (CH level) Print, insert 
and mail additional
Accounts on File

$0.050 each

Fee Per Statement

1 to 2,500
2,501 to 5,000
5,001 to 10,000
10,001 to 15,000
15,001 to 20,000
over 20,000
$0.020 per additional page

0.02 per image transmitted
$0.153
$0.025
$5.25 ea./per plan, $26.25 maximum

$26.25 each/per plan, $105.00 maximum
$1.00 each statement
$1.50 per statement
Quoted Separately
Frequency

$0.093
$0.091
$0.089
$0.087
$0.086
$0.085

Fee

14.2.1 Additional Statement Pages 
14.3 Other Statement Services
14.3.1 Transmit in PDF format
14.3.2 Statement Holds
14.3.3 Statement Stuffer Insertion
14.3.4 Messages ‐ Automatic

14.4 Statement Messages Enhanced
14.5 Annual Statements (excludes postage)
14.6 Annual Statements ‐ Central Billed
14.7 Custom Statement
14.8 Extended Statement History via ClientLink or 
GreenScreens (Provides statement history data viewing)

$0.026 per Account

6 months plus current cycle
12 months plus current cycle ‐ Tiered
 Number of accounts
1 to 100,000
100,001 to 200,000
200,001 to 300,000
300,001 and up
Request
Implementation
Online statement management fee includes  $0.02 per Generated Statement
$1.00 per statement
$50.00 per report

Per Accounts on File
$0.053
$0.040
$0.036
$0.033
Fee
$250.00 One‐time

14.9 Paperless Statements

14.10 1098 Home Equity Statements
14.10.1 1098 Home Equity Report
14.11 Notices & Letters Includes setup, forms, printing and mailing; (excludes postage)

Description

14.11.1 Notices & Letters
14.11.2 Additional Pages ‐ Letters

Notices and Letters
Additional Pages ‐Letters

Fee

$0.129 each notice or letter
$0.020 each additional page

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Schedule A5 of 1115. Other Services

Description

15.1 E‐Library Reference Material Subscription, Annual

$49.00 per Bank, per year

Fee

15.2 On‐Site Training For Customer Service
(At Bank's request)

15.3 Other Special Services
15.4 Special Programming
15.5 Enhanced Overlimit Functionality
15.6 Credit Counseling IVR
15.7 Application of Payments Split
15.8 ACH Reject Fee
15.9 Rush Parameter changes 2‐6 days
15.10 Rush Parameter changes 7‐13  days
15.11 Rush Parameter changes Promo/Punitive Pricing
15.12 Document Composition
15.13 Name and Address Labels
15.14 Audit Confirmations (Excluding postage)

15.15 Training
15.15.1 Training ‐ Standard Web training sessions

15.15.2 Custom or Stand Alone Web Training
15.15.3 Onsite at FIS Facility
15.15.3 Onsite at Client Facility
16. Contact Center

16.1 Toll‐Free Customer Service Access

Description

16.2 ‐24/7 Customer Service IVR
16.3  Transfer Connect Services

16.4 ‐ 24/7 ‐ General Customer Service

16.5 VIP Customer Service (Optional Service)

Quoted per Event*
*Fee plus out of pocket expenses (airfare, accommodations and meals) to be absorbed by 
Member Bank.
Quoted Separately
$195.00 per Hour
$25.00 per billcode, $100 maximum
Waived
$50.00 per bank/per month
$25.00 per reject
$150.00 per table change requested
$50.00 per table change requested
$50.00 per change requested
$150.00 per hour/resource dependent
$157.00 per Bank, per run
Description
Preparing and mailing audit confirmations 
upon written request
Per Account Confirmation
Description
Participation in Web session(s) from FIS 
published schedule. 

$0.105 per bank per audit request
Fee
$100.00 per participant. $50.00 discount to 
bank for sessions 4 or more in a year (eligible 
for discount after completion of 3rd session).  

Fee
$157.00 per request

By Quote per event. 
3 Day Classroom instruction
By Quote

$300.00 per attendee

Fee

$0.23 per call
$0.20 per call

Included
Provides for printing of toll‐free number on Member Bank’s billing statements and access to 
Customer Service via that toll‐free number.
Per Call
Calls transferred from FIS to client or 3rd 
party
Monthly Call Volume
1 to 100
101 to 250
251 to 500
501 to 1,000
1,001 to 2,000
2,001 to 5,000
5,001 to 10,000
10,001 to 15,000
15,001 to 20,000
20,001 to 25,000
over 25,000
Monthly Call Volume
1 to 100
101 to 250
251 to 500
501 to 1,000
1,001 to 2,000
2,001 to 5,000
5,001 to 10,000
10,001 to 15,000
15,001 to 20,000
20,001 to 25,000
over 25,000

Fee Per minute
$1.43
$1.40
$1.37
$1.34
$1.31
$1.28
$1.26
$1.25
$1.24
$1.23
$1.22
Fee Per Minute
$1.66
$1.63
$1.60
$1.57
$1.54
$1.51
$1.48
$1.46
$1.45
$1.44
$1.43

16.6 For After hours only clients, the rates set forth above in 
Section above will increase by:
16.7 VIP Rule changes
16.8 Incoming Cardholder Correspondence
16.9 Lost/Stolen Account Management

Per group of 5 rules or less
Per item handled
Per account

16%

$150.00 per rule group
$1.75 per item
$5.25 each

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Schedule A6 of 1117. Fraud Management
Fraud Alert Management ‐Neural Network (Optional Service)FIS managed service using a neural network system to monitor potential fraud on card activity. 

17.1 Real‐Time Scoring

Description

Description
Real‐Time Scoring

Fee

Fee
$0.0026 per Authorization per Month

17.2 Enhanced Scoring Solutions
(Merchant Profile Scoring & ATM & POS Terminal Profiles)

Description
Fraud Predictor  (Credit Programs Only)

Fee
$0.0015 per Authorization per Month

17.3 FIS ON DEMAND Client Custom Rules
(Custom Fraud Prevention Neural Network Rules)
17.3.1

17.3.2

17.3.3

17.3.4

Description

Fee

Premium Credit Client Custom Rules

Advanced Credit Client Custom Rules

Advanced Credit and Debit Client Custom 
Rules
A’ La Carte Credit Client Custom Rules

$250 Implementation Fee (One Time)
$450 per Month (Billed by Program)
$250 Implementation Fee (One Time)
$350 per Month (Billed by Program)
$500 Implementation Fee (One Time)
$600 per Month (Billed by Program)
$500 per Custom Rule (Only billed when used)

17.4 Compromise Manager (Optional)
Web based product allowing Program Members to manage 
identified compromised accounts. Functions include blocking, 
cardholder notifications and fraud monitoring.

17.4.1
17.4.2
17.4.3
17.4.4

Description
Implementation Fee
Access Fee
Outbound IVR Calls
Letters

Fee
$250.00 One‐time
$25.00 per Month/ per 50,000 accts
$0.10 per Account
Std. Letter Rate as shown in section 11.9.1 

$16.80 per non‐fraud dispute claim (transaction level)
$68.25 per fraud claim (account level)

Fee

$0.45 per Request
$0.45 Each
$1.00
$50.00 Each

Quoted Separately

Fee

18. Dispute Processing

Description

18.1 Disputes ‐ FIS serviced (excluding postage)
18.2 Fraud Chargeback Services ‐ FIS serviced (excluding 
postage) 
18.3 Request for Information (RFI)
18.4 Questionnaire
18.5 Image File Billing
18.6 Alternative Media
19. Network Connection Options

Description

19.1 Frame Relay
Functionality includes access to FIS’s host system, on‐line 
authorizations via a gateway and reports via a File Transfer 
Protocol (“FTP”).

19.2 Site To Site Virtual Private Network
(Applies if Program Member requests FIS to supply the remote 
VPN equipment at Program Member's location). Functionality 
includes access to FIS’s host system and reports via FTP.

19.3 MPLS
20. Monthly Minimums

Description
The monthly minimum will begin the first month after a Bank 
issues its first card and applies to core processing fees only. 
(Postage, courier, Electronic  Warning Bulletin, and all other 
Pass Through Fee items do not count toward minimums). 
Exclusive of other products with separate monthly 
minimums. 

Timeframe
First Year
Second Year 
Thereafter

Fee
Rate
$315.00 per Bank/per  Month
$525.00 per Bank/per Month
$785.00 per Bank/per Month

21. Verified By VISA And/Or MasterCard SecureCode
Includes hosting of enrollment and authentication services, and front line customer service.

Description

Fee

21.1 Implementation Fee (logo setup)
21.2 Visa/MasterCard issuer credit program monthly per 
Bank Fee
21.3 Enrolled Account Hosting and Maintenance
21.4 Authentication Request
21.5 Additional BIN Range (logo‐ implementation)

$271.54 per Bank/per Logo
$21.00 per Bank, per month

$0.053 each account on file
$0.053 per Request
$65.00 Each Bin Range/Logo

21.6 Logo Change
21.7 Program Change
21.8 Program Deactivation

$65.00 per BIN/Range
$65.00 per BIN/Range
$65.00 per BIN/Range

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Schedule A7 of 1122. eZDisclosure (Optional)

22.1 Implementation
22.2 New Account Opening Disclosure
22.3 Cardholder Agreement (New or Reissues)
23. Credit Account Review (Optional)

Included
$0.31 each disclosure generated
$0.31 each disclosure generated

Fee

Description

FIS’s credit account review service enables the Program Member to manage credit risk and opportunity 
within the card portfolio by assigning a proprietary risk score and a credit grade score to existing card 
accounts. This information helps Program Member evaluate and predict future credit performance and 
predict the likelihood of bankruptcy, charge‐off, loan default or serious delinquency. The service is available 
in two options. The full portfolio review analyzes all accounts to determine which accounts meet 
requirements for additional products, services or credit line changes. The reissue review works with other 
pre‐determined reissue criteria to provide a complete picture before the plastic is reissued. Either option – 
full or reissue – provides critical information to manage opportunities and risks within a portfolio.

Separate Agreement Required

Fee

23.1 Full Account Review
23.2 Reissue Review
23.3 Per Account Reviewed ‐ Tiered

24. Portfolio Intelligence (TBS and BASE2000)

Description
Monthly Minimum
Monthly Minimum
Accounts Reviewed
1 to 3,000

3,001 to 10,000
10,001 to 30,000
30,001 and over
By Quote

Fee
$200 per month
$50 per month
Fee
$0.39  per account

$0.36 per account
$0.30 per account
$0.25 per account

25. Affluent Card (Optional)
The pricing structure listed below is associated to the following Affluent Card types: Visa 
Signature, Visa Business Signature, World MasterCard.

Separate Agreement Required

Description

25.1 Implementation Fee
25.2 Affluent Processing Fee
25.3 Affluent VIP Customer Service (Required)
25.4 Mandatory Enhancements
25.5 Customization

25.5.1 Annual Statements (Required)

25.5.2 Affluent VIP Customer Service (Optional Service)

25.5.3 Affluent Card Stock
25.6 Visa Signature Preferred
25.7 Visa Signature Business
25.8 World Elite MasterCard
25.9 World MasterCard for Business
25.10 World Elite MasterCard for Business
26. Billing Account Updater (BAU) Optional

Description

26.1 Implementation Fee
26.2 Monthly Evaluation Fee
26.3 BAU Record Transmitted
27. PPCS/RPCS Services Optional

Description

Fee

$5,000.00 per BIN / Project
$0.25 per Account per Month
See Contact Services Above
Separate Agreement Required
A request for customization shall be quoted under a separate statement of work. Current 
standard development rates as outlined in your processing contract schedule apply.

Instance
Affluent Annual Statement Production
Affluent Annual Statement File Prep
Affluent Annual Statement File Generation
Affluent Statement Logo Set Up
Instance
Custom Toll Free Number Set Up Fee
Custom Toll Free Number Service Fee
Whisper and Custom IVR Set Up Fee
Whisper and Custom IVR Change Fee
Custom Rule Set Up Fee (up to 5 rules)
Custom Rule Change Fee (up to 5 rules)
To be quoted
To be quoted
To be quoted
To be quoted
To be quoted
To be quoted

$100.00
$0.0026 per Account on File
$0.035 per Record Transmitted

Rate
$1.00 / per generated statement
$225.00 / per hour; 3 hour minimum
$0.02 / per statement
$150.00 / per logo
Rate
$250.00 / per number
$75.00 / per month
$1000.00 / per event
$1000.00 / per event
$525.00 / per event
$150.00 / per event

Fee

Fee

27.1 Visa PPCS/MasterCard RPCS Fees
27.2 FIS Prepayment Cancellation Service Fee

Pass thru from Card Brand
$15.50 per Occurrence

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Schedule A8 of 1128. Balance Transfer (Optional)

Description
28.1 Balance Transfer Remittance Fee ‐ for each payment to a 
creditor that is issued by FIS.
28.2 Balance Transfer Reject Fee ‐ for each Balance Transfer 
transaction that cannot be processed ‐ for example, due to 
stop payment, or invalid information. If a stop payment is 
requested, Member Bank agrees that it will also reimburse 
FISfor any stop payment or other fees charged by FIS’s bank 
relating to the stop payment request.

$2.00

$4.50

Fee

Fee

29. Statement Marketing (Optional)
Description

29.1 Image Management
29.2 Image Target
29.3 Additional Full Page
29.4 Image Proofing

30. Loan Origination Solution (Optional)

30.1 Initial Set Up
30.2 Application Processing Fee

30.3 Data Retention

30.4 Letter Fee

30.5 Optional Features/Services

Color
$0.037
$0.030
$0.030

B&W
$0.035
$0.020
$0.020
$25.00 per proof copy. One (I) B & W and one (1) Color proof (2 for $25) provided to client for 
approval.
Separate Agreement Required
Description
Includes: 
FIS decisions new submitted application entered or transmitted into LOS.  Tiered w/ Monthly 
Minimum of $500.00
Monthly Application Volumes
0‐25,000
25,001 to 50,000
50,001 to 75,000
over 75,000
Retention fee for all application data including 
bureuau data and letter output for 25 mos. 
Charged Per application on file at end of each 
month.

Monthly Fee per application
$2.00 per application
$1.75 per application
$1.50 per application
$1.25 per application
$0.030 per application

Fee
$10,000.00 One Time

Includes setup, forms, printing, stuffing and 
mailing. Excludes Postage.

$0.132 per letter
$0.04 each additional page (2 and up)

30.5.1 Premier Attributes ‐ Access to 800+ premier attribute 
fields that can be mapped to LOS strategy Manager for use in 
strategy builds. Bureau Agnostic.

Description

Fee

Total # of PA's delivered monthly

1 ‐ 10 PA's
11 ‐ 25 PA's
26 ‐ 75 PA's
76 ‐ 150 PA's
151 ‐ 400 PA's
401 ‐ 700 PA's
700+ PA's
Description
Data Entry
Return postage
Balance Transfer
Returned Balance Transfer
Credit Bureau (Where FIS is reseller)

Fee Per transaction for transactions 
processed using PA's during the month. 
$0.20 per transaction
$0.25 per transaction
$0.40 per transaction
$0.75 per transaction
$0.85 per transaction
$1.00 per transaction
$1.25 per transaction
Fee
By Quote
Actual cost per  response
$2.00 per transaction
$4.50 per return
$2.50 per application

30.5.2 Full Service Handling ‐ Full Service Handling by FIS LOS 
Support team. Includes: data entry, return postage, balance 
transfer data enrry, exception item processing, approval 
using client‐defined criteria, etc. Excludes judgemental 
decision. Fee is in addition to Fee Per Application processed 
in section 27.2 above.

30.5.3 Strategy Modifications ‐  Customer requested changes 
to lending strategies following initial implementation.

By Quote

30.5.4 Customization Fee ‐ includes but not limited to: 
Incorporating new/Custom Interface(s); Incorporating 
new/custom batch files, incoming and outgoing; Custom 
Adverse Action letter text set up/updates; Custom Reporting.

By Quote to requirements

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Schedule A9 of 1131. Conversion and Implementation Projects

31.1 Internal Conversions (TBS to TBS)
31.2 Platform Migrations TBS to BASE2000 

Description

Program consolidation, Automated
< 1,000 Accounts
1,000 to 5,000 Accounts

> 5,000 Accounts

Fee
$2,000.00 per FI/Agent
By quote
$7,500 per FI/Agent
Includes: Assigned Project Manager, New BIN 
and licensing, move of Bank's existing 
structure, products/services, parameter 
settings, standard reissue plus EMV Host 
Enablement (CardPro EMV fees apply and are 
billed separately).

$10,000 per FI/Agent
Includes: Assigned Project Manager, New BIN 
and licensing, move of Bank's existing 
structure, products/services, parameter 
settings, standard reissue plus EMV Host 
Enablement (CardPro EMV fees apply and are 
billed separately).

New product/service enablement w/Migration Project (i.e. Affluent, RTDX, PI, Loyalty, 
program consolidation, token services, etc.) ‐ By Quote Only (not exceed $10,000 per 
FI/Agent).  Separate Agreements may be required for  some products. 

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A one‐time, non‐refundable, $1,000 migration analysis fee is charged. This fee can be applied 
against Member Bank's migration costs if project is approved by the Bank.)

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31.3 BIN Termination with accounts
31.4 BIN termination without accounts
31.5 Expedited Project Scheduling TBS & BASE2000
31.6 Automated Account Tranfer ‐ BASE2000, includes use of 
enhanced UAT for project testing

$2,500.00 Per BIN or BIN/Plan
$1,500.00 Per BIN or BIN/Plan
$2.00 per account $25,000.00 minimum
Description

Fee

31.7 Licensing Projects

31.7.1 BIN adds TBS 
31.7.2 Agent adds TBS 
31.8 Maintenance Requests  TBS

31.8.1 Maintenance Without Keys
31.8.2 Maintenance With Keys
31.8.3 Name Change
31.8.4 Merger
32. External Deconversion TBS and BASE2000

32.1 Deconversion
32.2 Additional Set of Tapes
32.2.1 Tape Production expedited ‐ two weeks
32.2.2 Tape Production expedited ‐ one week
32.2.3 Residual files for trailing activity
32.2.4 Post deconversion research requests
32.2.5 Deconversion deposit minimum
32.2.6 Date Change
32.2.7 Shared BIN/ICA residual Chargeback Processing

Project Fee (includes Proj. Mgr)
Per Acct.

$12,500.00 per project
$1.75 per account transferred

Add new BIN/ICA to credit platform
Add Institution to existing Corp

$3,500.00
$4,500.00

Fee

$500.00 per request
$1,000.00 per request
$500.00 per change
$1,000.00 per change

Description
Minimum per FI
$2,500.00 per instance
$500.00 per instance
$1,000.00 per instance
$200.00 per corp, per file, per day
$125.00 per instance
$5,000.00 one‐time
$5,000.00 per instance
Per month, per corp (4 mos. max)

Fee
$1.05 per acct, $5,250.00 Minimum

$1,500.00/per month

33. Rebates of processing fees to Banks
Monthly statement accounts rebate (applies collectively to 
statementing accounts under Schedule A and K)

Number of Statementing Accounts

Rebate %

1 to 500,000
500,001 to 700,000
700,001 to 800,000
800,001 to 900,000
900,001 to 1,000,000
1,000,001 to 1,100,000
1,100 101 to 1,200,000
1,200 001 to 1,300,000
1,300,001 to 1,400,000
1,400,001 to 1,500,000
over 1,500,000

0.0%
8.0%
9.0%
10.0%
11.0%
12.0%
13.0%
13.5%
14.0%
14.5%
15.0%

NC
NC
NC

NC
NC

NC
NC

NC
NC
NC
NC

C
C
C
C
C
C
C
C
C

NC
NC
NC
NC
NC
NC
NC
NC
NC
NC
NC

Schedule A10 of 1134. Pass‐through Fees and Amounts
All third party fees, charges and amount and increases and adjustments thereto, which are charged to or incurred by FIS in connection with the services will 
be passed‐through to the Program Member. The amount of such pass‐through fees, charges and amount shall not be applied toward or count against the 
minimum monthly fees that are due from the Program Member.  

Description

Fee

34.1 Courier
Includes all costs of courier delivery of media or reports to and 
from Program Member If U.S. mail is used, all postage costs 
are borne by Program Member.

Actual

34.2 Postage
Includes all first class postage associated with mailing of 
plastics, statements, notices or other mailings requested by 
Program Member
34.3 Postage Pre‐Sort Rebate (Qualifying Items)
Issued to Program Member on current first class mail rate per 
qualifying statement, as identified by FIS.

34.4 Electronic Warning Bulletin Listings

Current 1st Class Rates

‐$0.0222 per qualifying item

Description
Visa/MasterCard charges for listings on the 
Electronic Warning Bulletin.
Charges for listing in the printed warning 
bulletin for regions outside the U.S.

Fee
Actual

Actual

34.5 “Call Me” Transactions
Includes the additional authorization referral calls on 
questionable sales as requested by non FIS card issuers for 
which a fee is paid by the non FIS card issuer.

34.6 Other MasterCard and VISA Fees and Assessments. 
Program Member shall be responsible for all MasterCard and 
VISA fees, dues and assessments related to the cardholder 
services provided to the card‐issuing member (e.g., “Please 
Call Fees").

34.7 Retrievals from MasterCard or VISA Local to Local 
MasterCard and VISA rules require the processor to provide 
documentation of original transactions.

Actual

Actual

FIS's fees for performing those tasks will be actual VISA/MasterCard rates.

NC

Assumption: In the case of tiered fees, the applicable rate is that which corresponds to the individual bank's total volume for the month e.g. "pick‐a‐ tier", unless otherwise 
noted

1 Core Service is denoted as "C". A Non=core Service is denoted as "NC"

NC

NC
NC

NC

NC

NC

NC

NC

Schedule A11 of 11SCHEDULE C - CREDIT CARD SERVICES AND FEES (MERCHANT ACQUIRING PROGRAM) 
to 2011 Renewal Service Agreement by and between  
Fidelity National Card Services, Inc. and ICBA Bancard, Inc. 
EFFECTIVE JANUARY 01, 2016 

1.  FIS OBLIGATIONS. During the Term of this Agreement, FIS shall: 

a)  Activate new merchant accounts; 
b)  Produce station plates for imprinters when requested by the Program Member; 
c)  Sell equipment and related materials to Program Members as requested per the current published list price 

for such equipment and materials; 

d)  Provide instruction on related procedures as requested; 
e)  Provide authorization service, 24 hours per day, 7 days per week, subject to Excluded Outages; 
f)  Train the employees of Program Members as requested; 
g)  Provide merchant accounting services including discount calculation and preparation of debit and credit 

advices as needed; 

h)  Provide merchant statements either electronically or via paper form by the 10th business day of each month 

for the preceding month; 

i)  Assist Program Member by monitoring deposits of Visa and MasterCard and Discover transactions using 

various variance parameters which generate exception reports used to detect, in some cases, possible fraud 
and other irregularities and notify Program Member of possible fraud or other irregularities that are detected. 
FIS will use reasonable diligence in providing this service but in no event will FIS be liable for any losses 
resulting from merchant transactions or deposits; 

j)  With the exception of Pass-Thru fees, all rate and pricing increases prior to December 31, 2021 must be 

provided to Bancard for approval 6 months prior to the effective date of such increases. All pricing increases 
must be supported with clear and reasonable supporting detail and cannot be repackaged as an add-on to 
existing Services. Pricing increases and pricing for new Services must be incorporated into a new or existing 
pricing Schedule within three (3) months of the effective date of the pricing increase. 

2.  BANCARD AND FINANCIAL INSTITUTION OBLIGATIONS. During the Term of this Agreement, Bancard and/or 

Program Member shall: 

a)  Bear all losses resulting from a merchant's credit card transactions and deposits including, but not limited to, 
questionable merchant activity, merchant fraud, uncollected chargebacks, account data compromises and 
bankruptcy claims; 

b)  Provide all other services to merchants; 
c)  Provide source data necessary to create the merchant file; and provide its own supplies (e.g. sales slips, 
credit slips, deposit envelopes and clearing forms), which it may purchase from FIS at published cost plus 
shipping and handling charges. 

3.  AUTHORIZATION TRANSACTIONS 

Tier 
1 
2 
3 
4 
5 
6 
7 
8 
9 

Lower 

1 
100 ,001 
500 ,001 
750,001 
1,000,001 
1,250,001 
1,500,001 
1,750,001 
3,000,001 

Schedule C 

Monthly Authorization Transactions (per bank) 
SSL 

Upper 

Dial 

100,000 
500,000 
750,000 
1,000,000 
1,250,000 
1,500,000 
1,750,000 
3,000,000 
UP 

$0.0500 
$0.0450 
$0.0400 
$0.0380 
$0.0350 
$0.0330 
$0.0300 
$0.0280 
$0.0280 

$0 .0950 
$0.0900 
$0.0850 
$0 .0800 
$0.0750 
$0.0700 
$0 .0650 
$0 .0600 
$0.0350 

Page 1 of 4 

IP 

$0.0250 
$0.0250 
$0.0250 
$0.0250 
$0.0250 
$0.0250 
$0.0250 
$0.0250 
$0.0250 

 
 
 
  
 
 
 
 
 
 
 
 
4.  CAPTURE TRANSACTIONS 

Monthly Capture (EDC) Transactions (per bank) 
Dial 

Upper 

Lower 

1 
100 ,001 
500 ,001 
750,001 
1,000,001 
1,250,001 
1,500,001 
1,750,001 
3,000,001 

100,000 
500,000 
750,000 
1,000,000 
1,250,000 
1,500,000 
1,750,000 
3,000,000 
UP 

$0 .0950 
$0.0750 
$0.0550 
$0.0450 
$0.0375 
$0.0350 
$0.0325 
$0.0300 
$0.0230 

Tier 
1 
2 
3 
4 
5 
6 
7 
8 
9 

5.  FILE RESIDENCY (MONTHLY) 

File Residency Per Merchant ID (per bank) 

Tier 

Lower 

1 
2 
3 
4 
5 
6 
7 
8 

1 
201 
401 
501 
751 
1,001 
1,251 
1,501 

Upper 

200 
400 
500 
750 
1,000 
1,250 
1,500 
UP 

Dial 

$7.50 
$6.50 
$5.50 
$4.50 
$3.50 
$3.00 
$2.50 
$1.50 

*Includes merchant on file (back-end, Computer Storage of Merchant Information Assisting Program Members by 
monitoring deposits for fraud and other irregularities, Processing, Printing, of Monthly Paper Statement to the 
Merchant or Program Member, Preparation of Transmission of ACH Tape. 

6.  PIN Debit I EBT (in addition to the auth fee) 

$0.02 per transaction 

7.  HELP DESK CALLS 

Call  
Terminal 

8.  DIAL PAY 

Dial Pay \IVR Auth\Administrative 
Dial Pay\Voice Auth 
DialPay - Referral Auth 

9.  ACH DEPOSIT - Per Deposit 

10.  ACH RETURN FEE - Per Return 

11.  REPORTING  

Merchant Intelligence Center: 
Per Enrolled Account\Per month 
FIS E-Reports 

12.  MERCHANT E-CONNECTIONS 
per merchant ID, per month 
per Fl, per month 
per Fl sign-on, per month 
per merchant sign-on per month 

Schedule C 

Page 2 of 4 

$2.00 per call 
$1.50 per Terminal ID on File 

$0.65 
$1.00 
$3.00 

$0.015 

$35.00 

$3.00 
$10.00/Month And $0.01 per page 

$0.70 
$50.00 
$30.00 
$2.00 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
13.  RETRIEVAL\CHARGEBACK PROCESSING 

Per Retrieval  
Per Chargeback 

14.  FIS MERCHANT ENROLLMENT 

Per new account loaded on system 

15.  FIS MERCHANT ACCOUNT LOADING 

Per new account loaded on system by FIS 

$3.00 
$8.00 

$5.00 

$10.00 

16.  FIS ON-SITE TRAINING 
At Program Member's request and subject to staff availability 
Program Member must cover all out-of-pocket expenses such as airfare, lodging and meals. 

$500.00 per day 

17.  DECONVERSION FEES 
In the event Program Member transfers all or any portion of its merchant accounts to another processor or to an 
acquirer of Program Member's merchant accounts, other than FIS, for any reason whatsoever, Program Member will 
be assessed $50.00 per merchant account transferred with a minimum charge of $2,500.00. 

18.  AUDIT ASSISTANCE FROM FIS 

Quote/Hour 

19.  PASS THROUGH FEES 

a)  All credit and debit network interchange, assessments, fees, dues and expenses related to regulatory and 
compliance mandates for merchant activity relating to merchants signed through the Program Member. 
b)  Postage - Includes all First Class postage associated with mailing statements or other mailing requested by 

Program Member 

c)  Courier 

20.  ADDITIONAL PRODUCTS AND SERVICES 

DESCRIPTION 
VeriSign Transactions 
VeriSign – Other 
VeriSign – Other 
VeriSign – Other 
VeriSign – Other 
VeriSign – Other 
VeriSign – Other 
VeriSign – Other 
Wireless 
Wireless 
Wireless 
Micros 
Micros 
Micros 
Wireless 
PayTrace 
PayTrace 
PayTrace 
PayTrace 
PayTrace 
PayTrace 
PayTrace 
TSYS  
TSYS  
TSYS  
TSYS  
MIC Bundle 
ERMS  

Schedule C 

ITEM DESCRIPTION 
VeriSign Cybercash – Gateway Fee 
VeriSign Cybercash – 24x7 Helpdesk 
PayFlow Link 
PayFlow Link – 24x7 Helpdesk 
PayFlow Pro Set-up Fee 
PayFlow Pro 
PayFlow Pro Transaction Fee 
PayFlow Link/Pro – 24x7 Helpdesk 
Set-up Fee 
IP Address Fee 
Carrier Fee 
Merchant Link Internet Capture 
Merchant Link Authorization 
Merchant Link Internet Authorization 
Transaction Fee 
Set-up Fee 
Virtual Terminal 
Shopping Cart 
API 
Recurring Payment 
Batch Upload 
Transaction Fee 
Web Pass Set-up Fee 
Web Pass 
Transaction Fee 
IVR Batch Support 
Online reporting and PCI Support 
Enhanced Risk Monitoring 

Page 3 of 4 

RATE 

Unit of Measure 
$0.15  Per Transaction 
$1.75  Per MID, Per Month 

$22.00  Per Month 

$1.75  Per MID, Per Month 

$150.00  Per MID 

$25.00  Per MID, Per Month 
$0.095  Per Transaction 

$1.75  Per MID, Per Month 
$30.00  Per MID, Per SIMM 
$15.75  Per MID, Per Month 
$17.50  Per MID, Per Month 
$0.011  Per Transaction 
$0.05  Per Transaction 
$0.04  Per Transaction 
$0.045  Per Transaction 

$150.00  Per MID 

$20.00  Per MID, Per Month 
$15.00  Per MID, Per Month 
$15.00  Per MID, Per Month 
$15.00  Per MID, Per Month 
$15.00  Per MID, Per Month 

$0.05  Per Transaction 

$75.00  Per MID 
$15.00  Per MID, Per Month 

$0.08  Per Transaction 
$2.50  Per Batch 
$3.50  Per MID, Per Month 
$4.00  Per MID, Per Month 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
21.  OPTIONAL BIN SERVICES - If in Unique BIN (per Unique BIN) 

DESCRIPTION 
MAS Svc-MRA Rejects 
MAS Svc-MRA Rejects 
MAS Svc-MRA Rejects 
MAS Svc-Daily Discount 
MAS Svc-Daily Interchange 
MAS Svc-Downgrades 
Reserve Funding Module 
BIN Implementation 
Transmissions 
Telecom 

ITEM DESCRIPTION 
0-5 Days  
16-20 Days 
21-28 Days 
Apply/Settle Daily Discount 
Apply/Settle Daily Discount 
Apply/Settle Downgrades to MID 
Hold Reserve Funds from Merchants 
Set-up Fees 
File Transmissions 
Connectivity 

RATE 
No Charge 

Unit of Measure 

$150.00  Per Month 
$200.00  Per Month 
$300.00  Per Month 
$300.00  Per Month 
$400.00  Per Month 
$200.00  Per Month 

Pass Thru 
Pass Thru 
Pass Thru 

Schedule C 

Page 4 of 4 

 
 
 
 
 
 
 
 
 
FIDELITY NATIONAL CARD SERVICES, INC.
ICBA Bancard
SCHEDULE K
(Base2000 Platform)
FULL SERVICE CREDIT CARD SERVICES AND FEES
EFFECTIVE JANUARY 1, 2016
The following fees apply to each Program Member separately (i.e. they are not cumulative).

1. Card Personalization
(Excluding postage/delivery and cost of plastic)

Description

1.1 Card Generation
1.2 Transmission to an Alternate sourcing option, as 
applicable
1.3 Embossing ‐ Includes: Embossing and Encoding of 
Plastic, Standard Card Carrier, Standard Envelope, 
Inserting of Carrier and Plastic

1.4 PIN Generation ‐ Regular

1.5 IVR PIN Customization
1.6 Returned Plastics

1.7 Special Requests (Priority Issuance) Excludes postage. 

1.8 Plastic Destruction
1.9 Sticker Removal
1.10 Ultragraphics Logo Set Up
1.10.1

1.10.2

1.10.3
1.10.4
1.10.5
1.11 Epix Design Storage
1.11.1 Epix Set Up Fullfillment Only
1.11.2 Epix Hosting ‐ Fulfillment Only
1.13 EMV ‐ Chip Card Data Prep and Personalization

1.14 Card Activation (Optional Service)

1.14.1 Custom Card Activation Labels
1.15 Custom Card Carriers
1.16 Card Carrier Inserts
1.16.1
1.16.2
1.16.3
1.16.4

Fee

Fee per card
$0.375
$0.365
$0.355
$0.350
$0.345
$0.340
Fee per pin

$0.210 each

$0.263 each
Fee per instance
$1.00 each

Fee per instance
$10.50 each

Fee
$150.00 per Logo

$200.00 per Logo

Quoted Separately
Quoted Separately
Quoted Separately

$0.10 per card
$25.00 (per transmission)

Accounts on File
1 ‐ 2,500
2,501 ‐ 5,000
5,001 ‐ 10,000
10,001 ‐ 15,000
15,001 ‐ 20,000
over 20,000
Includes:

Generation of Personal Identification 
Number ("PIN") includes PIN Mailer and File 
Update.
Customer Select PIN
Includes:
Handling of Return Mail
Send Notification to Program Member
Includes:
All Items listed under “Embossing" plus 
receipt and handling of request and 
expedited processing of plastic to insure 24‐
hour turnaround on normal business days.

$0.055 Each
$0.164 Each
Description
Standard image creation (front logo w/ back 
text) Add/Delete/Change

Premium image creation (logos front and 
back Add/Delete/Change
Out of specification art work
Custom Work
Rush Logo Fees
$0.05 per image/per month
$1,000.00 one time
$100.00 per bank/per month
$0.25 per card

The following fee schedule will apply per credit card account issued, reissued or converted to 
FIS, whether the card is activated, activation is declined or no activation attempt is made at 
all:
Number of Accounts
1 to 15,000
15,001 to 30,000
30,001 to 45,000
45,001 to 75,000
75,001 to 100,000
100,001 to 150,000
150,001 to 200,000
over 200,000
Quoted Separately
Quoted Separately
Description
Daily insert Set Up Fee
One‐time setup fee
One‐time additional set up fee 
Per Insert

Fee
$2.10 per set up
$315.00 one‐time
$157.50 one‐time per card type
$0.042 per insert

Fee per Account
$0.893
$0.851
$0.809
$0.767
$0.732
$0.703
$0.678
$0.657

Core   Non‐
Core

C
C

NC
NC
NC
NC
NC
NC

C

C

NC

NC

NC

NC

NC
NC
NC
NC
NC
NC
NC

NC

NC
NC
NC
NC
NC
NC
NC
NC
NC
NC

NC
NC
NC
NC

Schedule K1 of 112. File Residency and Maintenance

2.1 New Account boarding (online)
2.2 File Residency
2.2.1 Consumer
2.2.2 Commerical
2.2.3 Corporate
2.2.4 Central Bill
2.3 File Maintenance (online) 
2.4 Temporary Credit Line increase
3. Authorizations & Transactions

Description

3.1 Authorization Request ‐ Consumer

3.1.2 Authorization Request ‐ Commerical

Description
New account

$0.025 per account
$0.040 per account
$0.200 per account
$0.350 per central bill account
Date of last maintenance update
$5.25 each

Fee per change
$0.034
Fee

$0.034

Authorizations per Month
1 to 100,000
100,001 ‐ 200,000
200,001 ‐ 400,000
400,001 ‐ 600,000
Over 600,000
Authorizations per Month
1 to 100,000
100,001 ‐ 200,000
200,001 ‐ 400,000
400,001 ‐ 600,000
Over 600,000

Fee
Fee per Request
$0.0460
$0.0307
$0.0247
$0.0197
$0.0177
Fee per Request
$0.0780
$0.0690
$0.0610
$0.0540
$0.0480
No Charge

3.2 Name Match Authorization
3.3 EMV Authorization Request
3.4 Token Provisioning Fee
3.5 Tokenizataion FIS Customer Service (Optional)
3.6 EMV Host Implementation (excludes Visa and/or MasterCard fees which are passed through or billed direct to client.).  Requires Use of Card Brand's 
corresponding On Behalf of Services (OBS). 

$0.0017  per EMV authorization request
$0.05 per token provisioned
$50.00 per month/per bank and $1.50 per call 

3.6.1 Standard Implementation
3.6.2 Custom Implementation

3.6.3 Additional BIN Fee
3.6.4 Optional Host System Functionality ‐ EMV Scripting 
For offline authorizing card profiles based on system 
capabilities. Allows Issuer initiated post‐issuance 
modification of some offline risk management parameters. 

$750.00. Includes 1 BIN.  Excludes mass reissue.
40 Hours at Professional Services/Programming Rate. Includes 1 BIN with Project 
management, Implementation System Adminstration, key management and FIS testing 
required for brand approval. 
$250.00 per additional BIN
EMV accounts on file

Fee

3.6.5 EMV Scripting Transaction Fee
3.7 EMV Card Personalization Implementation ‐ includes Key Management, Profile Management, Pre‐submission Testing, Barnd Testing Management

0 to 1,000
1,001 to 5,000
5,001 to 20,000
over 20,000
$0.10 for each delivered/executed script for an account

$50.00 perbank/per month
$100.00 per bank/per month
$250.00 per bank/per month
$500.00 per bank/per month

3.7.1 Standard Profile Implementation
3.7.2 Custom Profile Implementation
3.7.3 EMV BIN Implementation
3.7.4 EMV Certificates (offline profile)
4. Posting Transactions (the following fees apply to each bank separately, they are not cumulative)

$12,500.00 per profile
By Quote
$1,250.00 per BIN
$500.00 per certificate

Description

4.1 Transaction Processing and Posting
(Applies to each sale, purchase, return and cash advance. 
Fee also applies to any lockbox payments processed by FIS)

Number of Accounts

Fee
Fee (per Transaction)

1 to 34,500
34, 501 to 69,000
69,001 to 103,500
103,501 to 166,667
166,668 to 208,333
208,334 to 250,000
250,001 to 375,000
375,001 to 458,333
458,334 to 500,000
500,001 to 541,667
541,668 to 583,333
583,334 to 625,000
625,001 to 666,667
over 666,667

$0.1510
$0.1400
$0.1229
$0.1139
$0.1059
$0.0969
$0.0889
$0.0879
$0.0859
$0.0849
$0.0829
$0.0809
$0.0799
$0.0779

C

C
C
C
C
C
C

C
C
C
C
C

C
C
C
C
C

NC
NC
NC

NC
NC

NC

NC
NC
NC
NC

C
C
C
C
C
C
C
C
C
C
C
C
C
C

Schedule K2 of 114.2 Settlement (Sale, Credit, Cash Advance transactions)

$10,000.00 monthly cap per bank

$0.034 per transaction

4.3 Transaction level Processing (TLP) Screening
4.4 TLP posing, when applicable (transaction posting to a 
qualifying plan.)

Waived
Accounts on File

Fee per Qualifying Transaction

4.5 System Generated Issuer Fees
(Annual fees, late fees, over‐limit fees, currency conversion 
fees, member pay insurance, member pay card 
enhancements and other assessed or system generated 
fees)

4.6 Statement Check
5. Reporting

5.1 e‐Reports

5.2 Monthly Archive CD
5.3 Ad Hoc Reports

1 to 20,000
20,001 to 40,000
40,001 to 60,000
60,001 to 80,000
80,001 to 100,000
over 100,000

$0.042
$0.037
$0.032
$0.026
$0.021
$0.016

Waived

$3.00 per Check Posted

Description
Request
Implementation Fee
Monthly Fee
Monthly Per Page
Recreate Purged Reports
Per CD
Does not include reports that require 
special programming.

Fee
Rate
$78.75 one‐time
$52.50 per bank, per month, $300 max
$0.005 per page, $2,750 maximum per month
$157.50 per Day
$52.50 per CD, per month
$52.50 each

5.4 Visa Commerical File Format/MasterCard Commerical Data File
5.4.1 VCF Implementation Fee
5.4.2 VCF Monthly Maintenance Fee
5.4.3 VCF Data Transmission Fee
5.4.4 CDF Implementation Fee
5.4.5 CDF Monthly Maintenance Fee
5.4.6 CDF Data Transmission Fee
5.5 Credit Bureau Reporting

$250.00 per Company/One‐Time
$10.00 Per Company/per month
$0.0035 per kilobyte/per month
$250.00 per company One Time
$10.00 Per Company/per month
$0.0035 per kilobyte/per month
per bank, per bureau per month

$18.00 

5.6 Posted Item History (PIH) Data Files

Description

5.6.1 Implementation Fee

5.6.2 Monthly Maintenance Fee

5.6.3 Transaction Fee (Assessed on Each Posted 
Transaction)

6. Interface to Core Processors
6.1 Transaction Fee

6.2 Implementation if to Core Processor
6.3 Implementation if to Financial Institution
6.4 Monthly Maintenance if to Core Processor
6.5 Monthly Maintenance if to Financial Institution
7. GUI System Access

7.1 Monthly Access ServiceView Tiers

Description

7.2 Additional Users ClientLink

Request
Direct Connection to FIS
Connection through Processor
Request
Direct Connection to FIS
Connection through Processor
Number of Accounts
1 to 5,000
5,001 to 15,000
15,001 and up

Accounts on File
1‐5,000
5,001‐ to 15,000
over 15,000
One time
One time
Per bank per month
Per bank per month

Accounts on File
1 ‐ 500 (inc. 2 users)
501 ‐ 1,000 (inc. 3 users)
1,001 ‐ 5,000 (inc. 5 users)
5,001 ‐ 10,000 (inc. 10 users)
over 10,000 (inc. 15 users)
Additional Users
Additional users 1 ‐ 5
Additional users 6 ‐ 15
Additional users 16 ‐ 25
Additional users > 25

Fee
Rate
$1,050.00
$250.00
Rate
$250.00
$25.00
Rate per Transaction
$0.0049
$0.0033
$0.0016

Fee per posted Transaction
$0.005
$0.003
$0.002
$262.50
$1,050.00
$26.25
$262.50

Fee
$190.00 per bank/per month
$220.00 per bank/ per month
$360.00 per bank/per month
$650.00 per bank/per month
$1050.00 per bank/per month
Fee
$30.00 each  if exceeding allowance
$20.00 each if exceeding allowance
$10.00 each if exceeding allowance
$5.00 each if exceeding allowance

C

C

C
C
C
C
C
C
C

C
C
C
C
C
C

NC
NC
NC
NC
NC
NC
C

NC
NC

NC
NC

NC
NC
NC

C
C
C
C
C
C
C

NC
NC
NC
NC
NC

NC
NC
NC
NC

Schedule K3 of 118. CollectorView

Description
8.1 Monthly Access CollectorView 

Fee
$15 per bank, per month
$20 per bank,  per month
$25 per bank, per month
$65 per bank, per month
$110 per bank, per month
$0.105 per account in collections
8.2 Account Residency
$0.011 each
8.3 Collection Inquiry transaction
9. Control Table Access‐Service View ‐ Provides view access to BASE2000 Control Table settings using ServiceView GUI
9.1 Implementation Fee
9.2 Monthly Service Fee

Accounts on File
1 to 500 
501 to 1,000 
1,001 to 5,000 
5, 001 to 10,000 
over 10,000 
Accounts In collections
Per inquiry

$500.00 Implementation Fee
Number of Accounts on File
0 to 500
501 to 1,000
1,001 to 5,000
5,001 to 10,000
over 10,000

Fee
$300.00 per bank/per month
$330.00 per bank/per month
$480.00 per bank/per month
$785.00 per bank/per month
$1,205.00 per bank/per month

10. Cardholder Website ‐ MyCardStatement
MyCardStatement  is a service that provides cardholders access to their credit card information via the Internet at MyCardStatement.com. Cardholder 
functionality includes the ability to view account balance, transaction and historical statement information and to pay their monthly credit card invoice on‐
line.

Description

10.1  Implementation Fee ‐ Customized
10.2 Implementation Fee ‐ Non‐ Customized
10.3 Monthly Enrolled Account Fee

10.4 Monthly Fee

10.5 Administrative Change
10.6 Banner Advertisement Add, Change or Delete
10.7 Multi Factor Authentication
10.8 MFA Per Institution Monthly Fee
10.9 Single Sign‐On (SSO) New Vendor
10.9.1 Single Sign On (SS0) Existing Vendor
11. eZBusiness Card Management
Online tool for business accounts w/Company 
Adminstrators and business cardholders. 
11.1 Set up Fee

11.2 Participation Fee
11.3 Enrolled Company Fee
11.4 Administrative User Fee
11.5 Maintenance Change Fee
11.6 eZBusiness Training 
11.7 Multi‐Factor Authentication Fee
11.8 Out of Band Email
11.9 Out of Band Phone
11.10 Out of Band Text
11.11 Virtual Account ‐ Real time generation of virtual 
accounts via eZBusiness
11.12 eZBusiness BEB SSO Implementation
11.12.1 Admin SSO ‐ SSO for company administrators from 
the Business eBanking application (BEB) into the 
eZCardManagment application. 

$525.00 One‐time
$210.00 One‐time
Number of Enrolled Accounts
1 to 500
501 to 1,000
1,001 to 1,500
1,501 to 2,000
2,001 to 3,000
over 3,000
Number of Accounts on File
1 to 2,000
2,001 to 5,000
5,001 to 10,000
over 10,000
$52.50 each change
$105.00 each
$0.041 per Enrolled Cardholder
$16.75 per bank
Implementation
Implementation

Description

Includes: Up to 5 Admin Groups 
w/Implementation. Additional groups or 
changes @ $100 per change. One time 2 hr 
training Webinar. 

Fee

Fee per Cardholder Enrolled
$0.300
$0.270
$0.245
$0.224
$0.206
$0.190
Fee
$43.60 per bank
$109 per bank
$218 per bank
$436 per bank

$6,000.00 One‐time
$1,000.00 One‐time

Fee

$5,000 

$500.00 per bank/per month
$3.00 per enrolled company record
$3.00 per Admin user/per month
$100.00 per change
$150.00 per hour
$16.75 per bank/per month
No Charge for Implementation; $0.06 per email
$300.00 Implementation Fee; $0.29 per phone message
$300.00 Implementation Fee; $0.147 per text message
$1.00 per virtual account generated

$1,500.00 One Time. No recurring monthly fees associated with this feature. 

11.13 eZBusiness ‐ Expense Management 
11.13.1  Implementation
11.13.2 Monthly Maintenance Fee
11.13.3 Per Company
11.13.4 Training

$5,000.00 One‐Time
$500.00 per bank/per month
$750.00 per bank/per month
$150.00 per hour

NC
NC
NC
NC
NC
NC
NC

NC

NC
NC
NC
NC
NC

NC

NC
NC

NC
NC
NC
NC
NC
NC

NC
NC
NC
NC
NC
NC
NC
NC
NC
NC

C

C
C
NC
NC
C
NC
NC
NC
NC
NC

NC

C
C
C
C

Schedule K4 of 1112. eZBusiness for FI's.  Provides Admin Access for Banks to allow them to assist enrolled cardholders with inquiries regarding MyCardstatement. 

12.1 Implementation Fee
12.2 Users

12.3 Changes
12.4 Messaging Bundle
12.5 Statement Archive Access ‐ including Non Enrolled 
Accounts ‐ Enables configuration option to view 24 months 
statement images for non‐enrolled cardholders for 
customer support and research.

Description
One Time per FI Set up
Users 1 ‐ 5
Users 6+
Per Request
Per Month
$0.015 per account on file

Fee
$1,000.00
$125.00 Users 1 ‐ 5, per bank/per month
$25.00 per user/per month
$100.00 each
$25.00

Enables configuration option to view 24 months statement images for non‐enrolled cardholders for customer support and research
13. Payment Processing
13.1 ACH and Remote

13.2 Lockbox

Accounts on File
1 to 100,000
over 100,000
Accounts on File
1 to 10,000
10,001 to 20,000
20,001 to 50,000
50,001 to 100,000
100,001 to 200,000
over 200,000

13.3 Pay By Phone ‐ Cardholder payments made via FIS customer service IVR or agent. Excludes letter, postage and transaction fee
$5.00 each
13.3.1 Pay By Phone CSR
$2.00 each
13.3.2 Pay By Phone IVR
13.4 Real‐Time Payments (Immediate Avail Credit)
$0.50 per posted payment
14. Statements & Notices
14.1 Statement Generation (CH Level)

$0.050 each

Statement Generation (CH level) Print, insert 
and mail additional
Accounts on File

14.2 Statement  Production: (excludes postage) ‐ Includes: 
Preparation of Monthly Cardholder Statement, All Standard 
forms and standard pring, inserting and handling of 
reprints and Statements held for special processing. 

14.2.1 Additional Statement Pages 
14.3 Transmit in PDF format
14.4 Statement Holds
14.5 Corporate Account Statements
14.6 Central Bill Statements
14.7 Statement Stuffer Insertion
14.8 Messages Automatic
14.9 Statement Messages Enhanced
14.10 Annual Statements (excludes postage)
14.11 Annual Statements ‐ Central Billed Accounts 
(excludes postage)
14.12 Custom Statement
14.13 Extended Statement History via ServiceView 
(Provides statement history data viewing)

1 to 2,500
2,501 to 5,000
5,001 to 10,000
10,001 to 15,000
15,001 to 20,000
over 20,000
$0.020 per additional page
$0.02 per image
$0.153 per statement held
$0.500
$0.500
$0.025 per account inserted
$5.25 ea./per plan, $26.25 maximum
$26.25 each/per plan, $105.00 maximum
$1.00 each statement
$2.80 each statement

Quoted Separately
Frequency

6 months plus current cycle
12 months plus current cycle‐ Tiered
 Number of accounts
1 to 100,000
100,001 to 200,000
200,001 to 300,000
300,001 and up
18 months plus current cycle

Fee
$0.133 each
$0.095 each
Fee
$0.186 each
$0.175 each
$0.165 each
$0.156 each
$0.148 each
$0.128 each

Fee Per Statement

$0.093
$0.091
$0.089
$0.087
$0.086
$0.085

Fee

$0.026 per Account

Per Accounts on File
$0.053
$0.040
$0.036
$0.033
$0.08 per Account

NC
NC
NC
NC
NC
NC

NC
NC

NC
NC
NC
NC
NC
NC

NC
NC
NC

C

NC
NC
NC
NC
NC
NC
NC
NC
NC
NC
NC
NC
NC
NC
NC
NC

NC

C

C
C
C
C
C

Schedule K5 of 1114.14 Paperless Statements

Request
Implementation
Online statement management fee includes 
automated cardholder enrollment, 
cardholder email for new statements, 
expanded statements archive (24 months)

Fee
$250.00 One‐time
$0.02 per Generated Statement

14.15 Notices & Letters Includes setup, forms, printing and mailing; (excludes postage)

Description

14.15.1 Notices & Letters
14.15.2 Additional Pages ‐ Letters
15. Other Services

Description

Notices and Letters
Additional Pages ‐Letters

Fee

$0.129 each notice or letter
$0.020 each additional page

Fee

15.1 E‐Library Reference Material Subscription, Annual

$49.00 per Bank, per year

15.2 On‐Site Training For Customer Service
(At Bank's request)

15.3 Other Special Services
15.4 Special Programming
15.5 Enhanced Overlimit Functionality
15.6 Credit Counseling IVR
15.7 Application of Payments Split
15.8 ACH Reject Fee
15.9 Rush Parameter changes 2‐6 days
15.10 Rush Parameter changes 7‐13  days
15.11 Rush Parameter changes Promo/Punitive Pricing
15.12 Document Composition
15.13 Name and Address Labels
15.14 Audit Confirmations (Excluding postage)

15.15 Training
15.15.1 Training ‐ Standard Web training sessions

15.15.2 Custom or Stand Alone Web Training
15.15.3 Onsite at FIS Facility
15.15.3 Onsite at Client Facility
16. Contact Center

16.1 Toll‐Free Customer Service Access

Description

16.2 ‐24/7 Customer Service IVR
16.3 Transfer Connect Services

16.4 ‐ 24/7 ‐ General Customer Service

16.5 VIP Customer Service (Optional Service)

Quoted per Event*
*Fee plus out of pocket expenses (airfare, accommodations and meals) to be absorbed by
Program Member.
Quoted Separately
$195.00 per Hour
$25.00 per billcode,$100 maximum
Waived
$50.00 per bank/per month
$25.00 per reject
$150.00 per table change requested
$50.00 per table change requested
$50.00 per change requested
$150.00 per hour/resource dependent
$157.00 per Bank, per run
Includes
Preparing and mailing audit confirmations 
Per Account Confirmation
* Per Bank, per audit request
Description
Participation in Web session(s) from FIS 
published schedule. 

Fee
$157.00 per request
$0.105*

Fee
$100.00 per participant. $50.00 discount to 
bank for sessions 4 or more in a year (eligible 
for discount after completion of 3rd session).  

By Quote per event. 
3 Day Classroom instruction
By Quote

$300 per attendee

Fee

Included
Provides for printing of toll‐free number on Program Member’s billing statements and access 
to Customer
Per Call
Calls transferred from FIS to client or 3rd 
party

$0.23 per call
$0.20 per call

Monthly Call Volume
1 to 100
101 to 250
251 to 500
501 to 1,000
1,001 to 2,000
2,001 to 5,000
5,001 to 10,000
10,001 to 15,000
15,001 to 20,000
20,001 to 25,000
over 25,000
Monthly Call Volume
1 to 100
101 to 250
251 to 500
501 to 1,000
1,001 to 2,000
2,001 to 5,000
5,001 to 10,000
10,001 to 15,000
15,001 to 20,000
20,001 to 25,000
over 25,000

Fee per Minute
$1.43
$1.40
$1.37
$1.34
$1.31
$1.28
$1.26
$1.25
$1.24
$1.23
$1.22
Fee Per Minute
$1.66
$1.63
$1.60
$1.57
$1.54
$1.51
$1.48
$1.46
$1.45
$1.44
$1.43

NC
NC

NC
NC

NC

NC

NC
NC
C
C
NC
C
C
C
NC
C
NC

NC
NC

NC

NC
NC
NC

NC

NC
NC

NC
NC
NC
NC
NC
NC
NC
NC
NC
NC
NC

NC
NC
NC
NC
NC
NC
NC
NC
NC
NC
NC

Schedule K6 of 1116.6 For After hours only clients, the rates set forth above 
will increase by: 
16.7 VIP Rule changes
16.8 Incoming Cardholder Correspondence
16.9 Lost/Stolen Account Management
17 Fraud Management
Fraud Alert Management ‐Neural Network (Optional Service) FIS managed service using a neural network system to monitor potential fraud on card 
activity. 

Per group of 5 rules or less
Per item handled
Per account

$150.00 per rule group 
$1.75 per item
$5.25 each

16%

17.1 Fraud Management Account Fee
17.2 Real‐Time Scoring
17.3 Fraud Alert Case Management Fee
17.4 Enhanced Scoring Solutions
(Merchant Profile Scoring & ATM & POS Terminal Profiles)

$0.0335 per account on file
$0.0026 per Authorization per Month
$3.45 per alert
Description
Fraud Predictor  (Credit Programs Only)

Fee
$0.0015 per Authorization per Month

Fee

NC

NC
NC
NC

C
C
C

NC

17.5 FIS ON DEMAND Client Custom Rules
(Custom Fraud Prevention Neural Network Rules)
17.5.1

17.5.2

17.5.3

Description

Fee

Premium Credit Client Custom Rules

Advanced Credit Client Custom Rules

A’ La Carte Credit Client Custom Rules

$250 Implementation Fee (One Time)
$450 per Month (Billed by Program)
$250 Implementation Fee (One Time)
$350 per Month (Billed by Program)
$500 per Custom Rule (Only billed when used)

NC

NC

NC

17.6 Compromise Manager (Optional)
Web based product allowing Program members to manage 
identified compromised accounts.  Functions include 
blocking, cardholder notifications and fraud monitoring.

17.6.1
17.6.2
17.6.3
17.6.4

18. Dispute Processing

Description

18.1 Disputes ‐ FIS serviced (excluding postage)
18.2 Fraud Chargeback Services ‐ FIS serviced (excluding 
postage) 
18.3 Request for Information (RFI)
18.4 Questionnaire
18.5  Image File Billing
18.6 Alternative Media
18.7 Self Adminstered ‐Dispute Resolution 
19. Network Connection Options

Description

Description
Implementation Fee
Access Fee
Outbound IVR Calls
Letters

Fee
$250.00 One‐time
$25.00 per Month/ per 50,000 accts
$0.10 per Account
Std. Letter Rate as shown in section 11.9.1 

$16.80 per non‐fraud dispute clain (transaction level)
$68.25 per fraud claim (account level)

Fee

$0.45 per Request
$0.45 each
$1.00 each
$50.00 each
By Quote

19.1 Frame Relay
Functionality includes access to FIS’s host system, on‐line 
authorizations via a gateway and reports via a File Transfer 
Protocol (“FTP”).

By Quote

19.2 Site To Site Virtual Private Network
(Applies if Program member requests FIS to supply the 
remote VPN equipment at Program Member’s location). 
Functionality includes access to FIS’s host system and 
reports via FTP.

19.3 MPLS
20. Monthly Minimums

Description

The monthly minimum will begin the first month after a 
Program member issues its first card and applies to core 
processing fees only. (Postage, courier, Electronic  Warning 
Bulletin, and all other Pass Through Fee items do not count 
toward minimums). Exclusive of other products with 
separate monthly minimums. 

$2,500 per bank/per month

Fee

Fee

NC
NC
NC
NC

C
C

C
C
C
C
NC

C

NC

NC

C

Schedule K7 of 1121. Verified By VISA And/Or MasterCard SecureCode
Includes hosting of enrollment and authentication services, and front line customer service.

Description

21.1 Implementation Fee (logo setup)
21.2 Visa/MasterCard  issuer credit program monthly per 
Bank Fee
21.3 Enrolled Account Hosting and Maintenance
21.4 Authentication Request
21.5 Additional BIN Range (logo‐ implementation)

$271.54 per Bank/per Logo
$21.00 per Bank, per month

$0.053 each account on file
$0.053 per Request
$65.00 Each Bin Range/Logo

21.6 Logo Change
21.7 Program Change
21.8 Program Deactivation
22. eZDisclosure (Optional)

22.1 Implementation
22.2 New Account Opening Disclosure
22.3 Cardholder Agreement (New or Reissues)
23. Credit Account Review (Optional)

$65.00 per BIN/Range
$65.00 per BIN/Range
$65.00 per BIN/Range

Description
Included
$0.31 each disclosure generated
$0.31 each disclosure generated

Description
FIS’s credit account review service enables the Program Member to manage credit risk and opportunity 
within the card portfolio by assigning a proprietary risk score and a credit grade score to existing card 
accounts. This information helps Bank evaluate and predict future credit performance and predict the 
likelihood of bankruptcy, charge‐off, loan default or serious delinquency. The service is available in two 
options. The full portfolio review analyzes all accounts to determine which accounts meet requirements 
for additional products, services or credit line changes. The reissue review works with other pre‐
determined reissue criteria to provide a complete picture before the plastic is reissued. Either option – 
full or reissue – provides critical information to manage opportunities and risks within a portfolio.

Fee

Fee

Separate Agreement Required

Fee

23.1 Full Account Review
23.2 Reissue Review
23.3 Per Account Reviewed ‐ Tiered

Description
Monthly Minimum
Monthly Minimum
Accounts Reviewed
1 to 3,000
3,001 to 10,000
10,001 to 30,000
30,001 and over
By Quote

Fee
$200.00 per month
$50.00 per month
Fee
$0.39  per account
$0.36 per account
$0.30 per account
$0.25 per account

Separate Agreement Required

Fee

24. Portfolio Intelligence Services
25. Affluent Card (Optional)
The pricing structure listed below is associated to the following Affluent Card types: Visa 
Signature, Visa Business Signature, World MasterCard

Description

25.1 Implementation Fee
25.2 Affluent Processing Fee
25.3 Affluent VIP Customer Service (Required)
25.4 Mandatory Enhancements
25.5 Customization

25.5.1 Annual Statements (Required)

25.5.2 Affluent VIP Customer Service (Optional Service)

25.5.3 Affluent Card Stock
25.6 Visa Signature Preferred
25.7 Visa Signature Business
25.8 World Elite MasterCard
25.9 World MasterCard for Business
25.10 World Elite MasterCard for Business
26. Billing Account Updater (BAU) Optional

Description

26.1 Implementation Fee
26.2 Monthly Evaluation Fee
26.3 BAU Record Transmitted

$5,000.00 per BIN / Project
$0.25 per Account per Month
See Contact Services Above
Separate Agreement Required
A request for customization shall be quoted under a separate statement of work. Current 
standard development rates as outlined in your processing contract schedule apply.

Rate
$1.00 / per generated statement
$225.00 / per hour; 3 hour minimum
$0.02 / per statement
$150.00 / per logo
Rate
$250.00 / per number
$75.00 / per month
$1000.00 / per event
$1000.00 / per event
$525.00 / per event
$150.00 / per event

Instance
Affluent Annual Statement Production
Affluent Annual Statement File Prep
Affluent Annual Statement File Generation
Affluent Statement Logo Set Up
Instance
Custom Toll Free Number Set Up Fee
Custom Toll Free Number Service Fee
Whisper and Custom IVR Set Up Fee
Whisper and Custom IVR Change Fee
Custom Rule Set Up Fee (up to 5 rules)
Custom Rule Change Fee (up to 5 rules)
To be quoted
To be quoted
To be quoted
To be quoted
To be quoted
To be quoted

$100.00
$0.0026 per Account on File
$0.035 per Record Transmitted

Fee

C
C

C
C
C

C
C
C

NC
NC
NC

NC

NC
NC

NC
NC
NC
NC

NC
NC
NC
NC
NC

NC
NC
NC
NC

NC
NC
NC
NC
NC
NC
NC
NC
NC
NC
NC
NC

NC
NC
NC

Schedule K8 of 11NC

NC
NC

C

C

NC
NC
NC
NC

NC
NC

NC
NC
NC
NC
NC

27. PPCS/RPCS Services Optional

Description

27.1 Visa PPCS/MasterCard RPCS Fees
27.2 FIS Prepayment Cancellation Service  Fee
28. Balance Transfer (Optional)

Pass thru from Card Brand
$15.50 per Occurrence

Description
28.1 Balance Transfer Remittance Fee ‐ for each payment to 
a creditor that is issued by FIS.
28.2 Balance Transfer Reject Fee ‐ for each Balance Transfer 
transaction that cannot be processed ‐ for example, due to 
stop payment, or invalid information. If a stop payment is 
requested, Program Member agrees that it will also 
reimburse FIS for any stop payment or other fees charged by 
FIS’s bank relating to the stop payment request.

$2.00

$4.50

Fee

Fee

29. Statement Marketing (Optional)
Description

29.1 Image Management
29.2 Image Target
29.3 Additional Full Page
29.4 Image Proofing

30. Loan Origination Solution (Optional)

30.1 Initial Set Up
30.2 Application Processing Fee

30.3 Data Retention

30.4 Letter Fee

Fee
Color
$0.037
$0.030
$0.030

B&W
$0.035
$0.020
$0.020
$25.00 per proof copy. One (I) B & W and one (1) Color proof  (2 for $25) provided to client for 
approval
Separate Agreement Required
Description
Includes: 
FIS decisions new submitted application entered or transmittied into LOS. Tiered w/ Monthly 
Minimum of $500.00
Monthly Application Volumes
0‐25,000
25,001 to 50,000
50,001 to 75,000
over 75,000
Retention fee for all application data including 
bureuau data and letter output for 25 mos. 
Charged Per application on file at end of each 
month

Monthly Fee per application
$2.00 per application
$1.75 per application
$1.50 per application
$1.25 per application
$0.030 per application

Fee
$10,000 one time

Includes setup, forms, printing, stuffing and 
mailing. Excludes Postage.

$0.132 per letter
each additional page (2 and up). 

$0.04 

NC

30.5 Optional Features/Services

30.5.1 Premier Attributes ‐ Access to 800+ 
premierattribute fiels that can be mapped to LOS strategy 
Manager for use in strategy builds. Bureau Agnostic.

Description

Fee

Total # of PA's delivered monthly

1 ‐ 10 PA's
11 ‐ 25 PA's
26 ‐ 75 PA's
76 ‐ 150 PA's
151 ‐ 400 PA's
401 ‐ 700 PA's
700+ PA's
Description
Data Entry
Return postage
Balance Transfer
Returned Balance Transfer
Credit Bureau (Where FIS is reseller)

By Quote

By Quote to requirements

Fee Per transaction for transactions  
processed using PA's during the month. 

$0.20 per transaction
$0.25 per transaction
$0.40 per transaction
$0.75 per transaction
$0.85 per transaction
$1.00 per transaction
$1.25 per transaction
Fee
By Quote
Actual cost per  response
$2.00 per transaction
$4.50 per return
$2.50 per application

NC
NC
NC
NC
NC
NC
NC

NC
NC
NC
NC
NC

NC

NC

30.5.2 Full Service Handling ‐ Full Service Handling by FIS 
LOS Support team. Includes: data entry, return postage, 
balance transfer data enrry, exception item processing, 
approval using client‐defined criteria, etc. Excludes 
judgemental decision. Fee is in addition to Fee Per 
Application processed in section 27.2 above.

30.5.3 Strategy Modifications  ‐ Customer requested 
changes to lending strategies following initial 
implementation.
30.5.4 Customization Fee ‐ includes but not limited to: 
Incorporating new/Custom Interface(s); Incorporating 
new/custom batch files, incoming and outgoing; Custom 
Adverse Action letter text set up/updates; Custom 
Reporting.

Schedule K9 of 1131. Conversion and Implementation Projects

31.1 Internal Conversions (BASE2000 to BASE2000)
31.2 Platform Migrations (TBS to BASE2000) 

Description

Program consolidation, Manual
< 1,000 Accounts
1,000 to 5,000 Accounts

> 5,000 Accounts

Fee
By Quote
By Quote
$7,500 per FI/Agent
Includes: Assigned Project Manager, New BIN 
and licensing, move of Bank's existing 
structure, products/services, parameter 
settings, standard reissue plus EMV Host 
Enablement (CardPro EMV fees apply and are 
billed separately).

$10,000 per FI/Agent
Includes: Assigned Project Manager, New BIN 
and licensing, move of Bank's existing 
structure, products/services, parameter 
settings, standard reissue plus EMV Host 
Enablement (CardPro EMV fees apply and are 
billed separately).

New product/service enablement  w/Migration Project(i.e. Affluent, RTDX, PI, Loyalty, 
program consolidation, token services, etc.) ‐ By Quote Only  (not exceed $10,000 per 
FI/Agent).  Separate Agreement(s) may be required for some products. 

NC
NC
NC

NC

NC

A one‐time, non‐refundable, $1,000 migration analysis fee is charged. This fee can be applied 
against Program Member's migration costs if project is approved by the Program Member.)

NC

31.3 BIN Termination with accounts
31.4 BIN termination without accounts
31.5 Expedited Project Scheduling BASE2000
31.6 Automated Account Tranfer ‐BASE2000, incl. 
enhanced UAT for project testing

31.7 Licensing Projects
31.7.1 BIN adds  BASE 2000
31.7.2 Agent adds BASE2000
31.8 Maintenance Requests BASE2000
31.8.1 Maintenance Without keys
31.8.2 Maintenance With keys
31.8.3 Name Change
31.8.4 Merger
32. External Deconversion  BASE2000

$2,500.00 Per BIN or BIN/Plan
$1,500.00 Per BIN or BIN/Plan
$2.00 per account $25,000.00 minimum
Description
Project Fee
Per Acct.
Description
Add new BIN/ICA to credit platform
Add Institution to existing Corp
Request
$500.00 per request
$1,000.00 per request
$500.00 per change
$1,000.00 per change

32.1 Deconversion
32.2.1 Additional Set of tapes
32.2.1 Tape Production expedited ‐ two weeks
32.2.2 Tape Production expedited ‐ one week
32.2.3 Residual files for trailing activity
32.2.4 Post deconversion research requests
32.2.5 Deconversion Deposit Minimum
32.2.6 Date Change
32.2.7 Shared BIN/ICA residual chargeback support

Minimum per FI
$2,500 per instance
$500.00 per instance
$1,000 per instance
$200.00 per corp, per file, per day
$125.00 per instance
$5,000.00 One‐time
Date Change
Per month, per corp (4 mos. max)

Fee
$12,500.00 per project
$1.75 per account transferred
Fee
$3,500.00
$4,500
Fee

Fee

$1.05 per acct, $5,250.00 Minimum

$5,000.00 per instance
$1,500.00/per month

33. Rebates of processing fees to Banks
Monthly statement accounts rebate (applies collectively 
to statementing accounts under Schedule A and K)

Number of Statementing Accounts

Rebate %

1 to 500,000
500,001 to 700,000
700,001 to 800,000
800,001 to 900,000
900,001 to 1,000,000
1,000,001 to 1,100,000
1,100,101 to 1,200,000
1,200,001 to 1,300,000
1,300,001 to 1,400,000
1,400,001 to 1,500,000
over 1,500,000

0.0%
8.0%
9.0%
10.0%
11.0%
12.0%
13.0%
13.5%
14.0%
14.5%
15.0%

NC
NC
NC

NC
NC

NC

NC
NC
NC
NC

C
C
C
C
C
C
C
C
C

NC
NC
NC
NC
NC
NC
NC
NC
NC
NC
NC

Schedule K10 of 1134. Pass‐through Fees and Amounts
All third party fees, charges and amount and increases and adjustments thereto, which are charged to or incurred by FIS in connection with the services 
will be passed‐through to the Program Member. The amount of such pass‐through fees, charges and amount shall not be applied toward or count against 
the minimum monthly fees that are due from the Program Member.  

Description

Fee

34.1 Courier
Includes all costs of courier delivery of media or reports to 
and from Program Member. If U.S. mail is used, all postage 
costs are borne by Program Member.

Actual

34.2 Postage
Includes all first class postage associated with mailing of 
plastics, statements, notices or other mailings requested by 
Program Member.
34.3 Postage Pre‐Sort Rebate (Qualifying Items)
Issued to Program Member on current first class mail rate 
per qualifying statement, as identified by FIS.

34.4 Electronic Warning Bulletin Listings

Current 1st Class Rates

‐$0.0222 per qualifying item

Description
Visa/MasterCard charges for listings on the 
Electronic Warning Bulletin.
Charges for listing in the printed warning 
bulletin for regions outside the U.S.

Fee
Actual

Actual

34.5 “Call Me” Transactions
Includes the additional authorization referral calls on 
questionable sales as requested by non FIS card issuers for 
which a fee is paid by the non FIS card issuer.

34.6 Other MasterCard and VISA Fees and Assessments. 
Program Member shall be responsible for all MasterCard 
and VISA fees, dues and assessments related to the 
cardholder services provided to the card‐issuing member 
(e.g., “Please Call Fees").

34.7 Retrievals from MasterCard or VISA Local to Local 
MasterCard and VISA rules require the processor to provide 
documentation of original transactions.

Actual

Actual

FIS's fees for performing those tasks will be actual VISA/MasterCard rates.

NC

NC

NC

NC
NC

NC

NC

NC

NC

NC

Assumption: In the case of tiered fees, the applicable rate is that which corresponds to the individual bank's total volume for the month e.g. "pick‐a‐ tier", unless 

1 Core Service is denoted as "C". A Non=core Service is denoted as "NC"

Schedule K11 of 11