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CREDIT CARD EQUIPMENT

Dear Member Merchant,

We know that you have many choices when it comes to selecting a company to process credit card transactions for your business. We at LGDA thank you for your business, as well as the confidence and trust you have placed in us. We consider ourselves your partner in the payment industry.

Determining exactly what you will be paying each month can be confusing. In the past decade, Visa and MasterCard have introduced hundreds of new rate categories. Ten years ago there were only 37 such categories. Today, there are 231 categories. What is even more challenging is you (the merchant) have no control over what type of Visa or MasterCard card your customer may present to you for payment.

Beware of any offer that seems too good to be true. Even the best intended sales representative might not fully understand the variables of the industry's current pricing structure. An example we often see is a merchant being quoted one of the lowest current charge types out of the possible 231 available today. What you or the sales representative providing you with a quote may not realize is that your business may have very little volume that falls into that particular category, if any at all.

Unfortunately we have also seen competitor's representatives ignore the facts or the fact that their quote lacks accuracy, simply to make a sale. That is why at LGDA we are committed to earning your business each and every day. To help protect our valued customers, we have created the Merchant Assurance Policy (enclosed). Please read it and keep it with your other important papers. It is our commitment to you to ensure that you will always have honest merchant processing at a very competitive rate.

Sincerely,

Lawn & Garden Dealers Association

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