Mail Order Rates Internet virtual transactions with address verifications (Processing) 2.25% Internet virtual transactions with address verifications (Non-processing) 2.30% Per Transaction Fee $0.25 Monthly Statement Fee $10.00 All Funds are Deposited into Your Local Checking Account Within 48 Hours on Average. No Application Fee The no application fee saves you anywhere from $90-$300. To get started immediately, fill out the Secure Application. EMS-North America will overnight the bank application to you for your signature. All rates reflect the April 1st, 2002 increases by Visa and Master Card. Equipment I may need

	Check Reader	Tranz 380	Trans 460