Eliot Management Group, LLC

Dear Mr [redacted] : We have made several attempts this week to contact Mr***, with no response In order to have his concerns addressed directly Mr [redacted] may call MsAmy W [redacted] at ###-###-#### for further assistance with this matterWe appreciate your attention to this matter Sincerely, Kourtney K [redacted] Merchant Relations

Dear Mr [redacted] , Concerning the accounts for which this merchant has clarified in his rebuttal to the Revdex.com, we have conceded to the demands of the merchant, and as a show of good faith, honored our original agreement to refund the end of month fees, and close both accounts with no feesTwo refunds for $have been processed as of 10/11/2016.Both merchant accounts have been closed with no etf fees on 10/12/There will be no more fees charged from these accounts going forward We hope that these actions have satisfied the merchant and closed this matter in good standingThank you,Karrah S*Merchant Relations

Complaint: [redacted] I am rejecting this response because: The contract I signed clearly states Month to Month on the contract The customer service representative told me it doesn't matter what's on my carbon copy, the only thing that matters is the one that is turned into the company which had a year term She said there was no point in faxing in my copy That is CLEARLY an altered contract I'm happy to send that to the company Please respond where to send The salesman stated that we were not to be charged any fees and that his contract had all those fees "marked out"....but we never rec'd a copy of that either Sincerely, [redacted]

Dear Mr [redacted] : We are in receipt of Mr [redacted] ‘s additional correspondenceAfter further investigation, we will agree to waive the contractual early termination fee upon receipt of a signed closing letter faxed to my attention at ###-###-#### We appreciate your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directly Sincerely, Frankie M [redacted] Merchant Relations

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI have already sent the required closing letter as requested by Merchant Relations EMGI have already put a stop payment on the last charge of $that was taken from our business account 6-13-That charge has already been credited back to the business account via Bank of AmericaSince this closing letter has been submitted there should be no more charges to the business account, and Lake Street Industries will no longer have any account with Eliot Management, First American Payment of any other affiliates of their company To be clear as to why the stop payment was made on the first charge of $495.00, the representative from the local office said this charge would be waived, but it was notAfter have months of issues with Eliot Management, mostly because of their employees saying one thing, then having the opposite happen, I did take immediate action with the bank Sincerely, [redacted] Sincerely, [redacted]

Dear Ms***: In an effort to resolve this matter amicably and as a gesture of good faith, we will agree to waive the early termination fee and close MrPisor’s processing account with EMG upon receipt of a closing letterThe closing letter must contain MsPisor’s written signature and be submitted by fax at 866-347-no later than March 30, MsPisor will remain responsible for March processing fees We appreciate your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directly Sincerely, Merchant Relations

Dear Ms***: We are in receipt of Ms [redacted] ‘s complaint In response thereto we have enclosed the Merchant Application & Agreement (“the Agreement”) and the Merchant Processing Terms & Conditions (“the Terms & Conditions”) for your review Ms [redacted] signed the Agreement on January 23, By signing the Agreement, she agreed to have received, read, and be bound by the Agreement and the Terms & ConditionsOur records indicate that Ms [redacted] never processed on her account with Eliot Management Group (“EMG”)As a gesture of good faith and in an effort to resolve this matter, we have waived the balance in collections currently so that Ms [redacted] does not owe any money to EMGMs [redacted] should disregard any collections letter she may receive in the next few days as it takes some time for the system to be updatedWe appreciate your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directlySincerely, Merchant Relations

Dear Ms***: We have reviewed [redacted] ***’s complaint in detail and appreciate the opportunity to address the complainant’s concernsIn response thereto we have included the two (2) Merchant Application & Agreements (the “Agreements”) and their corresponding Merchant Processing Terms & Conditions (“the Terms & Conditions”), along with the Gift Card Agreements Mr [redacted] executed for services with Eliot Management Group (“EMG”)In addition, we have included courtesy copies of the two (2) Lease Finance Group Non-Cancellable Leases executed by Mr [redacted] Mr [redacted] signed the Agreements for two credit card processing accounts with EMG on December 29, and upon doing so acknowledged to have received, read and be bound by the Agreements and the Terms & Conditions, in addition to confirming no verbal agreements or representations had been made (See, pages and of the Agreements) Subsequently, Mr [redacted] executed the Gift Card Agreements on January 12, for gift card services on both of the accounts and at that time, accepted and agreed to be bound by the Gift Card Processing Agreements and the Terms & Conditions (See, the Gift Card Agreements) Additionally, we show Mr [redacted] , opted to lease processing equipment on each of the accounts through the separate entity, Lease Finance Group (“LFG”), and therefore entered into two separate Non-Cancellable Leases (the “Leases”) with them In accordance with the signed Agreements, Mr [redacted] ’s accounts were set up and became active in December Please be advised that all applicable rates and fees on the accounts are clearly disclosed in the signed Agreements and their Terms & Conditions (See, pages and of the Agreement and ¶of the Terms & Conditions) The Agreements clearly state that the three (3) year term will commence upon bank acceptance and are subject to an early termination fee of no less than $per account for credit services and $per account for gift card services (See, pgof the Agreement and ¶of the Terms & Conditions as well as ¶of the FirstAdvantage Gift Card Terms & Conditions) Our records show Mr [redacted] ’s processing accounts were not charged outside of the terms of the Agreements We show the merchant experienced various issues with the equipment on the accounts However, each time, the merchant was assisted and EMG made every effort to resolve the issues, including swapping the merchant’s equipment on occasions and assisting the merchant on sitePlease note, Mr [redacted] was charged contractual non-returned equipment fees for not returning the swapped equipment within days (See, ¶of the Terms & Conditions); however, these were refunded upon receipt of the equipment Mr [redacted] ’s accounts are currently active and have been used to process over $230,as recently as August 15, We are available and happy to assist the merchant with his processing accounts at his convenience; however, at this time we will stand by the terms of the Agreements Should the merchant wish to terminate his accounts, we would refer him to ¶of the Terms & Conditions and ¶of the FirstAdvantage Gift Card Terms & Conditions Also, we wish to reiterate that the LFG Leases are separate agreements and the merchant will remain bound by those contractsThe merchant should contact LFG directly with any concerns pertaining thereto We appreciate your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directly Sincerely, Blanca V [redacted] Coordinator, Merchant Relations

Complaint: [redacted] I am rejecting this response because:The sales woman Vitya phone number ###-###-####, told me this was a month to month service and I could cancel any timeShe was shuffling paperI felt I should be recording the conversation which I have never had that feeling in my lifeThe grocery store [redacted] has recordings of their store and I will be speaking to them tomorrow as getting that data to prove what occurredIt ended up being companies separate contracts and none of this information was disclosedI have sent in misrepresentation paper work to Leasing Company in Chicago ILAs you can see the copy that was sent to me is filled out, yet the copy I physically have is blankThe area circled clearly states that all blank terms on page were filled in.They were notThis is an unethical moral-less business practice Their company may have rules but they were broken and not followedShame on this company for having unethical sales people Sincerely, [redacted] ***

Dear Mr [redacted] : We are in receipt of Mr***'s complaint In response thereto we have enclosed the Merchant Application & Agreement (“the Agreement”) and the Merchant Processing Terms & Conditions (“the Terms & Conditions”) for your review In December 2015, Mr [redacted] entered into a three (3) year Agreement with Eliot Management Group (“EMG”) for credit card processing servicesBy signing the Agreement Mr [redacted] acknowledged to have received, read and agreed to be bound by the Agreement and the Terms & ConditionsParagraph of the Terms & Conditions contains the requirements to close the merchants processing account; it covers in detail that a merchant must provide written notification at least 30, but more than days before the end of an applicable term to avoid an Early Termination Fee of no less than $Furthermore, all fees are clearly disclosed in paragraph of the Terms & Conditions On December 4, Mr***’s account became active with EMGOur records indicate that Mr [redacted] has used and received benefit of the processing account to process over $ [redacted] in credit card transactions On February 19, Mr [redacted] contacted us with questions about rates and fees on his accountA rate review was offered however, we received no response from the merchant On April 6, after an attempt was made to collect contractual fees was rejected the account was closed and automatically placed into collections The amount currently owed by Mr [redacted] is $ [redacted] ($ [redacted] monthly fee, $ [redacted] PCI fee, $ [redacted] Early Termination Fee $ [redacted] collection fee)To make payment arrangements Mr [redacted] will need to contact Scott M [redacted] at ###-###-#### We appreciate your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directly Sincerely, Kourtney K [redacted] Merchant Relations

Dear Mr [redacted] : We have reviewed Mr [redacted] ’s concerns and appreciate the opportunity to respondOur records show Mr [redacted] signed the attached Merchant Application & Agreement (the “Agreement”) with Eliot Management Group (“EMG”) on April 28, and upon doing so, authorized a credit report inquiry (See, Acknowledgements on page of the Agreement) As such, upon receipt of the signed Agreement, a standard credit inquiry was made Nonetheless, at this time we have submitted a request with Experian to have the hard inquiry removed from Mr [redacted] ’s credit; this should be completely removed within business days We apologize for any inconvenience causedThank you for your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directlySincerely, Kourtney K [redacted] Merchant Relations

Dear Mr [redacted] : We are in receipt of Ms***‘s complaint In response thereto we have enclosed the Merchant Application & Agreement (“the Agreement”) signed by Dr [redacted] ***, and the Merchant Processing Terms & Conditions (“the Terms & Conditions”) for your review On June 28, Dr [redacted] entered into the Agreement for credit card processing services with Eliot Management Group (“EMG”) By signing the Agreement he acknowledged to have received, read and agreed to be bound by the Agreement and its Terms and Conditions, and no verbal agreements have been made (See, page of the Agreement) The month to month Agreement began with Bank acceptance, and will automatically renew each month unless Merchant sends and Bank receives a signed letter of non-renewal no less than but no more than days before the end of the applicable term (See, ¶ of the Terms & Conditions) Please be advised that all fees are clearly disclosed on page of the Agreement and ¶ of the Terms & Conditions On August 8, Dr [redacted] contacted EMG requesting to close his account along with a refund for monthly fees At that time he was advised that the monthly fees charged were contractual and could not be refunded, closing instructions for his account were also provided At this time we will stand by the signed Agreement, and no refunds will be provided ;however if Dr [redacted] still wishes to close his account he may do so by faxing in a signed closing letter ###-###-#### attention: Merchant Relations he may also scan and email the request to [email protected] We appreciate your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directly Sincerely, Kourtney K [redacted] Merchant Relations

The resolution was denied because I am out $458.66, not the amount to decided to pay meI was told in person by Terrence that this contract would not start until I gave the go aheadI never didThe charges that were processed were done on the mobile app which I was told by Rick that they did not have anything to do with each otherI have over text messages back and forth from Rick stating all of thisHe assured me Terry was working on the credits over and over againI had no reason to think they would not follow throughI also signed a cancellation letter on 01/requesting to cancel it since I was not going to have time to get involved with the POS sideRick faxed this to me and I signed immediately and sent backI was told time after time that Terrence was working on my refundsI feel so used by these guysThey took advantage of my small business and made promises that they couldn't deliverThey know what they did and they are going to have to deal with me at some pointI, to this day, have called the local EMG office to speak to Terry and he never returns my callsI even spoke to another lady the other day and she assured me she would handle this and get back to me the next day, still nothing and that was days agoI will not resolve this complaint unless I get a full credit in the amount of $I am attaching the cancellation form signed by me and faxed to Rick on 01/but I have plenty of text messages that prove I never asked for this and where I was told they were issuing credit that never cameIf copies of those are needed, I can complyThank you!

Dear Ms***: We are in receipt of complaint # [redacted] and are unable to locate a merchant account with the information providedAs such, we ask that the complainant please send us the account information associated with this matter for further review We appreciate your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directly Sincerely, Blanca V [redacted] Coordinator, Merchant Relations

Dear Revdex.com Complaint Department: We are in receipt of Mr [redacted] ‘s complaint In response thereto we have enclosed the Merchant Application & Agreement (“the Agreement”) and the Merchant Processing Terms & Conditions (“the Terms & Conditions”) for your review Mr [redacted] signed the Agreement to process with Eliot Management Group (“EMG”) on December 15, The Agreement is for a term of three years, as stated in paragraph of the Terms & ConditionsBy signing the Agreement, Mr [redacted] acknowledged to have received, read, and be bound by the Agreement & Terms & ConditionsMr [redacted] acknowledged that no verbal agreements or representations had been made and that he relied solely on the Agreement and Terms & Conditions (See, page 4)The rates and fees assessed to the account are listed on page of the Agreement, under Rates & FeesOur records show no indication of a $deposit to cover the costs of the processing accountThere is no evidence in the account records of this deposit, nor is there a place in the Agreement or Terms & Conditions for this kind of paymentAll payments made pursuant to the Agreement are ACH’ed directly from the merchant’s bank accountThe early termination fee is listed in bold in the acknowledgements page (page 4) of the Agreement as well as discussed in paragraph of the Terms & ConditionsIt states explicitly in paragraph of the Terms & Conditions that the merchant will have to send in a written signed request for closure to close the accountEMG received the request from the merchant on April 27, 2017, and closed the account on April 28, As a gesture of good faith, EMG refunded the merchant’s first month of processing fees in the amount of $in January of We will stand by the signed Agreement and no further refunds will be givenWe appreciate your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directlySincerely, Merchant Relations

Dear Mr [redacted] : We are in receipt of Mr [redacted] ‘s complaint In response thereto we have enclosed the Merchant Application & Agreement (“the Agreement”) and the Merchant Processing Terms & Conditions (“the Terms & Conditions”) for your review In April of Mr [redacted] ‘s entered into an Agreement for credit card processing with Eliot Management Group (“EMG”) By signing the Agreement Mr [redacted] acknowledged to have received, read and agreed to be bound by the Agreement and the Terms & Conditions; that no verbal agreements or representations had been made; and he would rely solely on the Agreement (See, Page of the Agreement)Please be advised, pages and of the Agreement along with Paragraph of the Terms & Conditions disclose all contractual fees associated with the Agreement Our records show that Mr [redacted] ’s processing account became active on April 28, for a term of year The Merchant has used the account and equipment to process transactions during the month of May All monthly fees charged to the Merchant are in accordance with the signed Agreement Please note, Mr [redacted] signed page of the Agreement which clearly states that all equipment sales are final At this time we will stand by the signed Agreement and no refunds will be given at this time Please note that if Mr [redacted] wishes to close his account he may do so by submitting a signed closing letter by fax to [redacted] Please be advised, any attempt to terminate the Agreement outside of the applicable term will result in an Early Termination Fee of no less than $495.00(See, ¶of the Terms & Conditions) We appreciate your attention to this matter Should you have any questions or need any additional information, please do not hesitate to contact the undersigned directly Sincerely, Kourtney K [redacted] Merchant Relations

Dear Mr [redacted] : At this time we stand by our previous responsesAs previously stated, the merchant’s two accounts became active in December and we show the merchant immediately began processing transactions on the retail accountAgain, all charges on the online account have been refunded in an effort to resolve the merchant’s concerns Additionally, month end fees of $ [redacted] for March charged on the retail account were refunded as a gesture of good faithBoth accounts have been closed without penalty We believe EMG has made every reasonable effort to resolve the merchant’s concerns As the merchant used the retail account to process transactions, all remaining charges are valid per the signed Agreement and no further refunds will be issued At this time we feel that we have done everything in our power to reach an amicable resolution with Ms [redacted] , and at this time no further refunds will be given Kourtney K [redacted] Merchant relations

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because:While my electronic signature does show on the Agreement, I did not have a copy of the Agreement until after I signed on David S [redacted] tablet after being assured that the contract would indeed save our company money on a monthly basisIn addition, Customer Support adjusted some of the fees, we have not verified the adjustments with our bank as yet, and informed us that David S [redacted] was the person who would determine whether the early termination fee would be waivedWe received an email from MrS [redacted] , copy available on request, saying "I will make sure you don't have to pay the Early Termination Fee" In the same email, he said "I made a mistake when I keyed in the pricing, but we are rectifying that".We have not received anything in writing, other than the email, from either Eliot Mgmt Group or David S [redacted] about the adjusted fees or waived termination fee.We do not feel the Eliot Group/David S [redacted] are selling their services in an ethical manner Sincerely, Donna M***

Complaint: [redacted] I am rejecting this response because:MrS [redacted] (representing Elliott group in Ft Worth) promised up front that there would be no monthly fees and no penalty for early withdraw When the contract was signed I noticed both of these charges within the contract MrS [redacted] insured me that it was only a formality "you can trust Lou" he said "I would not lie to you, I told you no fees and I meant it" Sincerely, [redacted]