MERCHANT PAYMENT CARD APPLICATION/AGREEMENT

The Tower at PNC Plaza

300 Fifth Avenue
5335 Gate Parkway, 4th Floor
Pittsburgh, PA 15222
Jacksonville, FL 33256
Ph: (412) 803-7711
(800) 327-0093

New Account Additional Location Main Location MID: Office #: 07919

Ownership Change Previous Owner’s MID: Agent Name: Madison Fiore Agent #: 07919-011

I. BUSINESS INFORMATION (ALL FIELDS IN THIS SECTION ARE MANDATORY)

Type of Ownership: ✘ Sole Proprietor Partnership Corporation Limited Liability Companies Non-Profit Government
Legal Business Name: (for Sole Proprietorships, enter Principal’s name) DBA:
Randy White Express Auto Care
Federal Tax ID Number(TIN): (for Sole Proprietorship this may be your SSN#) Web site: Email:
50-9851134 [email protected]
Important Notice: Failure to provide accurate Legal Business Name, TIN, EIN and/or SSN may result in a withholding of merchant funding per IRS
regulations. See section XII 1a-c IRS Reporting - Backup Withholding Certifications.
CORPORATE ADDRESS AND INFORMATION PHYSICAL ADDRESS AND INFORMATION Same as Corporate Address
Address: Address: (No P. O. Box)
1180 N Nellis Blvd Ste B3 1180 N Nellis Blvd Ste B3
City, State, Zip: City, State, Zip:
Las Vegas NV 89110 Las Vegas NV 89110
Phone: Fax: Phone: Fax:
702-531-9531
Customer Service Phone: Date Business Started (Mo/Yr):
7025319531 11/01/2019
Contact Name (First/Last): Number of Locations: MCC SIC Code:
Randy White
BUSINESS TYPE
Retail Restaurant Petroleum Pay at Pump Charity Public Sector SIIPS/Cable Recurring Timeshare
Retail w/Tip Fast Food Petroleum Pay Clerk Utility Passenger Transport SIIPS/Telecom Recurring Cruise Line /
✘ Mail/Phone Lodging Supermarket Government Insurance Bill Pay Airlines/Carriers Steamships
Internet Convenience Car/Truck Rental Emerging Market Real Estate Bill Pay Cash Advance/Banks Only
Percent of Business (MUST = 100%) Sales Method (MUST = 100%)
0 % Card Swiped / EMV 0 % Store Front (Cardholder Present) 0 % Internet Services (eCommerce)
0 % Keyed (Card Present) 100 % Mail / Phone Order % Other, Specify:
100 % Keyed (Card Not Present) List all 3rd-party agents that have access to cardholder data:
II. PRODUCT ADVERTISING, SALES, AND DELIVERY - DUE DILIGENCE REQUIRED ON QUESTIONS FOR CARD NOT PRESENT MERCHANTS ONLY

1. Description of product sold: 7. How do you advertise?

AutomotiveBodyRepair Catalog TV or Radio Direct Mail/Flyers Internet

2. Do you currently accept Visa/MC/Discover® Network? Yes No 8. Is your business seasonal? Yes No
(if yes, attach 3 months statements)
Months to
3. When you receive an authorization, how long before the merchandise is shipped? 9. Who owns product?
Merchant Vendor (Drop Ship Required)
4. What is your return, cancellation, or refund policy? 10. Name of fulfillment house, if any:
✘ Refund w/in 7 days Refund w/in 30 days Exchange Only
None Other (Specify)
11. List the name(s) and address(es) of vendor(s) from whom the product is purchased:
5. What percentage of sales transactions are with international cards?
_______
0%
6. What percentage of your business is Deposits / Future Services? _______0 %
Percentage Deposit Required: _______
0 % Incremental Payments (Percentages _______% , _______% , _______% ,_______% )
III. ASSOCIATION DISCLOSURE (Visa and Mastercard Member Bank: PNC Bank, N.A., The Tower at PNC Plaza, 300 Fifth Avenue, Pittsburgh, PA 15222 (412) 803-7711)
Important Member Bank Responsibilities: The BANK: (i) is the only entity approved to extended acceptance of Visa and Mastercard products directly to Merchant; (ii) must be
a party to the Agreement; (iii) is responsible for and must provide settlement funds to the Merchant; (iv) is responsible for all funds held in reserve that are derived from settlement;
(v) is the ultimate authority should Merchant have any problems with Visa or Mastercard products; and (vi) is responsible for educating Merchant on pertinent Visa and Mastercard
Rules with which merchants must comply.
Important Merchant Responsibilities: The Merchant must: (i) ensure compliance with cardholder data security and storage requirements; (ii) maintain fraud and chargebacks
below Card Association thresholds; (iii) review and understand the terms of the Agreement (including the Terms and Conditions attached hereto); and (iv) comply with Card
Association (including Visa and Mastercard) Rules and applicable laws and regulations. You may download “Visa Rules” from Visa’s website at: https://usa.visa.com/dam/VCOM/
download/about-visa/visa-rules-public.pdf and the “Mastercard Rules” from Mastercard’s website at https://www.mastercard.us/en-us/business/overview/support/rules.html. The
Merchant responsibilities listed herein do not supersede the Agreement (including the Terms and Conditions attached hereto).
Definitions: All capitalized terms used but not otherwise defined in this merchant processing application (this “Merchant Application”) shall have the meanings assigned to such
terms in the Terms and Conditions attached hereto.
Print Name Title Signature 102.165.16.173:46786 Date
Randy White Owner X Randy White (electronic signature obtained on 11/26/2024 at 9:32:07 AM) 11/26/2024

1 Paysafe Payment Processing Solutions, LLC is a registered ISO of PNC Bank, N.A., Pittsburgh, PA - Member FDIC vs. 05-2024
 MERCHANT PAYMENT CARD APPLICATION/AGREEMENT

IV. PROCESSING VOLUME (ALL CARD TYPES)

Average Ticket Maximum High-End Ticket Monthly Bank Card Volume Monthly Amex Volume

$ 300.00 $ 900.00 $ 26250.00 $ 8750.00

V. MERCHANT SITE SURVEY (TO BE COMPLETED BY SALES REPRESENTATIVE AS APPLICABLE)

Merchant Location: Area Zoned: Permanent Signage? Yes No Inventory Consistent

Store Front Warehouse Other Commercial
with Business?
✘ Office Building Website (DOMAIN REQUIRED) Residence Industrial Residential Is Business Legitimate? Yes No Yes No
Business Location: Owned Leased

I hereby certify that I have conducted my review of this merchant to the best of my ability and that, to the best of my knowledge and belief, the information set forth in this Application
is true and accurate.
Inspected By (Print name) __________________________________ Signature X______________________________________________ Date_____________________
VI. COMMENTS
SicCode:=7531 - AutomotiveBodyRepair (7531) - null

VII. OWNERSHIP (MUST REFLECT OWNERSHIP OF 25% OR MORE)

Ownership: Each individual who directly or indirectly owns 25% or more of equity interest of the within named legal entity.
Name Title Ownership % Social Security # Date of Birth
Randy White Owner 100 509-85-1134 01/01/1982
Owner 1

Residence Address, City, State, Zip

3955 University Centre Drive Apt 224 Las Vegas NV 89119
Driver’s License # / State Cell Phone Number Email Address
747-270-4136 [email protected]
Name Title Ownership % Social Security # Date of Birth
Owner 2

Residence Address, City, State, Zip

Driver’s License # / State Cell Phone Number Email Address

Name Title Ownership % Social Security # Date of Birth

Owner 3

Residence Address, City, State, Zip

Driver’s License # / State Cell Phone Number Email Address

Name Title Ownership % Social Security # Date of Birth

Owner 4

Residence Address, City, State, Zip

Driver’s License # / State Cell Phone Number Email Address

Controller: Any individual with significant management responsibility (example: CEO, CFO, Treasurer, President, VP, etc.)
Name Title Ownership % Social Security # Date of Birth
Randy White Owner 100 509-85-1134 01/01/1982
Controller

Residence Address, City, State, Zip

3955 University Centre Drive Apt 224 Las Vegas NV 89119
Driver’s License # / State Cell Phone Number Email Address
747-270-4136 [email protected]

I hereby certify, to the best of my knowledge, that the information provided above is complete and correct.
Print Name Title Signature 102.165.16.173:46786 Date
Randy White Owner Randy White (electronic signature obtained on 11/26/2024 at 9:32:07 AM) 11/26/2024
X
VIII. EQUIPMENT INFORMATION
Terminals:
Brand: Model:
Brand: Model:

Gateways: POS/Softwares:
Gateway Name: Authorize.net Paysafe Authorize.net POS/Software Name: Version:

Front-end: ✘ Omaha Nashville North Buypass TSYS Back-end: ✘ Omaha TSYS

IX. CARD ACCEPTANCE

Accept all Mastercard, Visa, and Discover, and American Express Transactions (presumed, unless any selections below are checked)

Mastercard Acceptance: Visa Acceptance: Discover Acceptance: American Express Acceptance:

MC Credit transactions Visa Credit transactions Discover Credit transactions American Express Credit transactions
MC Non-PIN Debit transactions Visa Non-PIN Debit transactions Discover Non-PIN Debit transactions American Express Opt Out

See Section 7.2 for details regarding card acceptance.

2 Paysafe Payment Processing Solutions, LLC is a registered ISO of PNC Bank, N.A., Pittsburgh, PA - Member FDIC vs. 05-2024
 MERCHANT PAYMENT CARD APPLICATION/AGREEMENT

X. RATES & FEES (FOR VISA, MASTERCARD, DISCOVER AND AMERICAN EXPRESS UNLESS OTHERWISE NOTED)

Discount Qualified Mid-Qualified Non-Qualified

Discount Rate
Interchange Plus ✘ Tiered Pricing Credit 1.990 % Qual + 1.000 % + $ Qual + 2.000 % + $
(Visa, MC, Disc)
Structure
Pricing

(Including Dues and Assessments/

Card Brand Pass Through Fees) %
Credit ERR Pricing Debit 0.990 % Qual + 2.000 % + $ Qual + 3.000 % + $

Flat Rate Pricing Credit Debit

(Card Brand Pass Through Fees Debit % Including Dues and Assessments/
Waived) Card Brand Pass Through Fees ERR Rate % %

$ 0.210 American Express OptBlue

Transaction Fee (includes returns):
(per transaction) Qualified Mid-Qualified Non-Qualified
Pricing Structure:
Other Item Fee – Credit: $ 1.990 % Qual + 1.000 % + $ Qual + 2.000 % + $
Cost Plus Pricing
Other Item Fee – Signature Debit: $ 0.060 ERR Rate: %
✘ Tiered Pricing
Other Discount Rate – Credit: % Transaction Fee: $ 0.210 Opt out of
(AMEX OptBlue or AMEX Direct Only) American Express Card
ERR Pricing Marketing Materials
Other Discount Rate – Signature Debit: % Card Network Fees: Pass Through
Flat Rate Pricing
Discover Direct (Card Brand Pass Through Fees System Processing Fee: 0.400 %
Waived)

Discover Direct #: American Express Direct AMEX Direct #:

Address Verification Fee: $ 0.050 (per inquiry)

ACH Reject Fee: $ 35.00 (each)
EBT Cash EBT Food Stamp

Voice Authorization Fee: $ 0.95 (per inquiry)

ACH Change Fee: $ 10.00 (each) FNS #: Per Trans
Batch Header Fee: $ 0.250 Divert Fee: $ 25.00 $
(per batch) (per month)

Monthly Minimum Discount Fee: $ 30.00 Online Access Fee: $ 2.00 (per month) Wright Express Rate: 3.95 % + $
Monthly Service Fee: $ 7.95 Regulatory Product Fee: $ 0.00 (per transaction)
(per month)

Chargeback Fee: $ 25.00 (each)

Invalid TIN / Mismatch Fee: $ 19.99 (per month) Voyager Rate: 3.95 % + $
Retrieval/Representment Fee: $ 15.00 (each)
Enhanced Security Package: $ 6.95 (per month) (per transaction)

Initial One Time Setup Fee: $ 0.00 PCI Compliance Non-Validation Fee: $ 29.95 (per month) Mastercard Location Fee: $ 3.00 (per month)

Terminal Charge Fee: $

Interchange Clearing Fee: 0.040 % Annual Fee: $ 49.95
Per # of Terminals

✘ Gateway Monthly Fee: $ 7.95 + Transaction Fee: $ 0.050 Gateway Setup Fee: $
(Plus pass through
PIN Based Debit Cost Plus: Discount Rate: % network fees) + Transaction Fee: $
Monthly PIN Debit Access Fee: $
Flat Rate Discount Rate: % and/or Transaction Fee: $

Wireless Monthly Fee: $ 0.00 + Transaction Fee: $ 0.000 Wireless Setup Fee: $

Early Termination Fee 1st Year*: $ 350.00 Early Termination Fee 2nd and 3rd Year*: $ 250.00 *See Section 2, Page 4 for further details
In addition, the Card Brands (Visa, Mastercard, American Express, Discover, Etc.) may charge various additional fees under certain circumstances, which are referred to as “pass
through fees” because, if charged, are passed through by us to the Merchant. Pass through fees may include, by way of example only, verification fees, authorization fees, international
transaction fees, return fees, arbitration fees related to disputed chargebacks, data usage fees, and PIN Debit Annual Fees, among others.
Merchant Club $ (per month) See https://www.paysafe.com/fileadmin/content/agreements/AdditionalServices.pdf for further details.

Fraud Management Program Fee:** $ (per month) ** Fraud Management Program is a chargeback protection program. See https://www.paysafe.com/
Chargebacks up to $250.00 Chargebacks up to $1,000.00 fileadmin/content/agreements/AdditionalServices.pdf for further details.

Commercial Card Interchange Service (CCIS) 75% (Only available on the certain platforms.)
With CCIS, when transactions don’t include any tax information, your sales tax will be computed based on the applicable rate at your location to allow you to obtain the best
interchange. When CCIS computes the sales tax on your behalf, you will retain 25% of the resulting interchange savings. If a transaction is fully or partially exempt, you should
enter the tax amount (even if that amount is $0.00) as CCIS applies your local tax rate to the full amount of the transactions when the prompt is bypassed. See https://www.
paysafe.com/fileadmin/content/agreements/AdditionalServices.pdf for further details.

Discount Method: Daily Monthly Deposit Time Frame: ✘ Standard (1 Day Hold) Alternate Funding Same Day Funding (Subject to approval)
(Subject to approval) (Separate addendum required)
XI. BANKING INFORMATION

Banking Information for Deposits: Banking Information for Withdrawals: Same as Bank Account #1
Bank Account #1 (DDA): Bank Account #2 (DDA):
(attach copy of voided check) 938199715 (attach copy of voided check)

Bank Routing #1 (ABA): 322271627 Bank Routing #2 (ABA):

Bank Name: JPMORGAN CHASE BANK, NA Bank Name:

✘ Checking General Ledger (only Bank Cash Advance Merchants) Checking General Ledger (only Bank Cash Advance Merchants)

3 Paysafe Payment Processing Solutions, LLC is a registered ISO of PNC Bank, N.A., Pittsburgh, PA - Member FDIC vs. 05-2024
 MERCHANT PAYMENT CARD APPLICATION/AGREEMENT
XII. MERCHANT ACCEPTANCE – IRS REPORTING – CORPORATE RESOLUTION – ASSOCIATION DISCLOSURE – AMERICAN EXPRESS MERCHANT ACCEPTANCE

BY SIGNING BELOW, MERCHANT AGREES TO ALL OF THE FOLLOWING AND CERTIFIES UNDER THE PENALTIES OF PERJURY THAT THE STATEMENTS BELOW ARE TRUE AND ACCURATE:
1.IRS Reporting – Backup Withholding Certifications
a.TAXPAYER I.D. NUMBER- The Tax Payer Identification Number as shown above (TIN) is my correct taxpayer identification number.
b. BACKUP WITHHOLDING- I am not subject to backup withholding, either because I have not been notified that I am subject to withholding as a result of a failure to report all interest
or dividends, or the IRS has notified me that I am no longer subject to backup withholding.
c. The above named payee is a U.S. citizen or other U.S. person (including, a partnership, corporation, company or association created or organized in the United States or under the
laws of the United States.
d. The FATCA code entered on this form (if any) indicating that the payee is exempt from FATCA reporting is correct. (Not applicable)
2. Merchant Payment Card Agreement Acceptance:
Each person signing below certifies that all information provided in this application is true, correct, and complete. Merchant agrees to be bound by all provisions set forth in this document, including, but
not limited to the Terms and Conditions, which is hereby incorporated by reference for all purposes (Terms and Conditions can be obtained by visiting https://www.paysafe.com/fileadmin/content/
agreements/Paysafe-PNC-TCs-0923.pdf ). Each person signing below authorizes Servicers, as defined in the Terms and Conditions, or any credit reporting agency employed by Servicers or any agent
of Servicers, to make whatever inquiries Servicers deems appropriate to investigate, verify or research references, statements or data obtained from the Merchant for the purpose of this application.
An additional copy of the Terms and Conditions will be sent to the business entity indicated above along with the welcome letter upon approval of such business entity to accept payment cards by
Servicers. Pursuant to Section 5 of the Terms and Conditions, the initial term is for a length of three (3) years, continuing month-to-month thereafter, unless terminated by any party upon written notice
at least thirty (30) days prior to the end of the then existing term. In the event MERCHANT terminates this Agreement prior to the maturity date of the initial term, MERCHANT SHALL be liable
to SERVICERS for an early termination fee per location if terminated before completion of the first year of the Term; or per location if terminated after completion of the first year of the
Term but prior to the end of the third year of the Term (“Early Termination Fee”). For detailed information related to the termination rights and obligations set forth in this Merchant Agreement, see
Section 6 of the Terms and Conditions, which is a part of this Merchant Agreement.

3. Merchant Acknowledgements and Consents:

MERCHANT and each individual person signing below acknowledges and consents as follows:
a. The Terms and Conditions, which can be obtained at https://www.paysafe.com/fileadmin/content/agreements/Paysafe-PNC-TCs-0923.pdf, together with this Merchant
Payment Card Application constitute the AGREEMENT among the parties. MERCHANT is responsible for reading and understanding the Terms and Conditions and agrees to be
bound by all of their terms.
b. MERCHANT may be enrolled in Additional Services as defined and described in the Terms and Conditions, for which applicable fees will be incurred. MERCHANT acknowledges and
agrees that Additional Services are subject to the Merchant Agreement, including the Terms and Conditions and documents referenced therein. The provisions of the Merchant
Agreement regarding Additional Services constitute an agreement solely between MERCHANT and PAYSAFE PAYMENT PROCESSING SOLUTIONS, LLC, a Delaware limited liability
company (“PAYSAFE”). MERCHANT specifically authorizes PAYSAFE and its affiliates to collect fees and other charges applicable to Additional Services from MERCHANT’s ACH
Account (as described below) in accordance with their respective fee schedules as amended from time to time by PAYSAFE pursuant to the ACH Account. The undersigned agree that
the signature page of this Application shall also serve as the signature for the Merchant Agreement as applicable to Additional Services, including fees and charges. MERCHANT may
cancel Additional Services and avoid further fees for such Additional Services by following the procedures explained in the applicable notice for Additional Services.
c. MERCHANT acknowledges and agrees that PAYSAFE and its affiliates and their third party subcontractors and/or agents may use automatic telephone dialing systems to contact
MERCHANT at the telephone number(s) MERCHANT has provided in this Application, or as may be updated by MERCHANT from time to time, and/or may leave a detailed voice
message in the event that MERCHANT is unable to be reached, even if the number provided is a cellular or wireless number or if MERCHANT has previously registered on a Do
Not Call list or requested not to be contacted for solicitation purposes. MERCHANT hereby consents to receiving commercial electronic messages (including but not limited to text
messages) from PAYSAFE and its affiliates and their third party subcontractors and/or agents from time to time. MERCHANT may withdraw its consent to receive automated calls and/
or commercial electronic messages by calling toll free 800-327-0093.
TO MERCHANT: A copy of this Merchant Agreement shall be made available to MERCHANT upon request. However, MERCHANT and the undersigned hereby acknowledge and agree
that submission of an Application does not constitute approval and that this Merchant Agreement, will become fully effective and shall be fully binding upon the parties hereto upon
PAYSAFE’s assignment and issuance of a Merchant Account Number to MERCHANT.
4. Resolution:
FOR ALL MERCHANTS WHO ARE LLCS, PARTNERSHIPS AND/OR CORPORATIONS – RESOLUTION - The indicated officer/partner identified signing below has the authorization to execute the
Merchant Payment Card Agreement with SERVICERS on behalf of the herewithin named LLC, partnership or corporation.
MERCHANT AGREES TO ITEMS 1-4 ABOVE BY SIGNING HERE:
The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding.
Print Name Title Signature 102.165.16.173:46786 Date
Randy White Owner X
Randy White (electronic signature obtained on 11/26/2024 at 9:32:07 AM) 11/26/2024
FAIR CREDIT REPORTING ACT CONSENT: YOU UNDERSTAND THAT BY SELECTING THE I AGREE BOX IMMEDIATELY FOLLOWING THIS NOTICE AND SIGNING BELOW, YOU ARE
PROVIDING ‘WRITTEN INSTRUCTIONS’ TO PAYSAFE PAYMENT PROCESSING SOLUTIONS, LLC (“PAYSAFE”) UNDER THE FAIR CREDIT REPORTING ACT, AUTHORIZING PAYSAFE
TO OBTAIN INFORMATION FROM YOUR PERSONAL CREDIT REPORT OR OTHER INFORMATION FROM EXPERIAN AND/OR OTHER CREDIT REPORTING AGENCY (“CONSENT”). YOU
AUTHORIZE PAYSAFE TO OBTAIN SUCH INFORMATION IN CONNECTION WITH YOUR APPLICATION FOR COMMERCIAL PAYMENT CARD SERVICES AND ANY OTHER APPLICATION
YOU SUBMIT TO PAYSAFE FOR ADDITIONAL SERVICES.
Print Authorized Signer #1 Name Title Authorized Signer #1 Signature 102.165.16.173:46786 Date
I Agree Randy White Owner X Randy White (electronic signature obtained on 11/26/2024 at 9:32:07 AM) 11/26/2024
Print Authorized Signer #2 Name Title Authorized Signer #2 Signature Date
I Agree X

Print Authorized Signer #3 Name Title Authorized Signer #3 Signature Date

I Agree X

Print Authorized Signer #4 Name Title Authorized Signer #4 Signature Date

I Agree X

Print Authorized Signer #5 Name Title Authorized Signer #5 Signature Date

I Agree X

XIII. PERSONAL GUARANTY

Personal Guaranty: The undersigned Guarantor(s) hereby, individually, agree to the terms set forth in section 31 of this Merchant Agreement. The undersigned Guarantors further agree to pay to
SERVICERS all expenses (including attorney fees and court costs) paid or incurred by SERVICERS in collecting such obligations and in enforcing this Guaranty.
FAIR CREDIT REPORTING ACT CONSENT: YOU UNDERSTAND THAT BY SELECTING THE I AGREE BOX IMMEDIATELY FOLLOWING THIS NOTICE AND SIGNING BELOW, YOU ARE
PROVIDING ‘WRITTEN INSTRUCTIONS’ TO PAYSAFE PAYMENT PROCESSING SOLUTIONS, LLC (“PAYSAFE”) UNDER THE FAIR CREDIT REPORTING ACT, AUTHORIZING PAYSAFE
TO OBTAIN INFORMATION FROM YOUR PERSONAL CREDIT REPORT OR OTHER INFORMATION FROM EXPERIAN AND/OR OTHER CREDIT REPORTING AGENCY (“CONSENT”). YOU
AUTHORIZE PAYSAFE TO OBTAIN SUCH INFORMATION IN CONNECTION WITH YOUR APPLICATION FOR COMMERCIAL PAYMENT CARD SERVICES AND ANY OTHER APPLICATION
YOU SUBMIT TO PAYSAFE FOR ADDITIONAL SERVICES.
Guarantor #1 Name Guarantor #1 Signature Date
I Agree Randy White X Randy White (electronic signature obtained on 11/26/2024 at 9:32:07 AM) 11/26/2024
Guarantor #2 Name Guarantor #2 Signature Date
I Agree X _Signature_Guarantor_02_ _Signature_Date_Guarantor_02_

4 Paysafe Payment Processing Solutions, LLC is a registered ISO of PNC Bank, N.A., Pittsburgh, PA - Member FDIC vs. 05-2024