Mirror Image

August 6, [redacted] ***Re: Revdex.com Claim [redacted] Dear [redacted] ,I’ve attempted to contact you by phone but was unsuccessful This letter is to confirm that $7,held in reserve at EMS was released to you on 7/29/per your desired settlement I would like to apologize for any inconvenience this may have caused Please let me know if you have any additional questions or concernsAt this time, EMS will consider this matter closed.Sincerely,Jon [redacted] B [redacted] Director of Client Service 800- [redacted] ***

(The following was copy/paste by Revdex.com staff - [redacted] April 20, [redacted] *** Re: Revdex.com Complaint [redacted] Dear [redacted] *** This letter is to confirm that your EMS processing account has been closed as the result of exceeding your chargeback ratioEMS has made the business decision to release all monies held in reserveAt this time, EMS will consider this matter resolvedSincerely, Jon [redacted] ***

June 8, [redacted] ***Re: Revdex.com Claim [redacted] Dear Mr [redacted] ,Thank you for taking the time to speak with Delmeta C [redacted] in our Risk departmentThisletter is to confirm that all monies held have been released to youI would like to apologize forany inconvenience or frustration caused due to our procedures for newly opened accountsIhope you can appreciate the verification steps involved to protect both our merchants and EMS.When accepting on-line applications, there is significant fraud potentialBecause of that, EMSmust ensure we are doing everything possible to mitigate the risk involved when acceptingcredit cards.At this time, EMS will consider this matter closed.Sincerely,Jon CB [redacted] Director of Client Service800-615- x

September 15, [redacted] ***Re: Revdex.com Claim [redacted] Dear [redacted] ,To follon the issue, EMS will continue to hold monies until chargeback rights expire Again, based on your type of business and your chargeback ratio, measures have been put in place to mitigate our risk exposure With that being said, EMS will revisit the situation in days for the potential of a partial release of funds.Please let me know if you have any additional questions or concerns At this time, EMS will consider this matter closed.Sincerely,Jon [redacted] B [redacted] Director of Client Service [redacted] ***

April 19, [redacted] ***Re: Revdex.com Claim [redacted] Dear Mr [redacted] ,This letter is to confirm that EMS has cancelled your processing accounts and released all monies held in reserve per your desired settlementThe final releases consisted of $and $4, I would like to apologize for any inconvenience this may have caused Please let me know if you have any additional questions or concernsAt this time, EMS will consider this matter closed.Sincerely,Jon CB [redacted] Director of Client Service 800-615-x

March 16, [redacted] ***Re: Revdex.com Claim [redacted] Dear Mr [redacted] ,Thank you for taking the time to speak with Stacy S [redacted] in our Retention department This letter is to confirm that your EMS processing account has been closed without penalty or early termination fee I would like to apologize for any inconvenience this may have caused Please let me know if you have any additional questions or concernsAt this time, EMS will consider this matter closed.Sincerely,Jon CB [redacted] Director of Client Service 800-615-x

August 26, [redacted] ***Re: Revdex.com Claim [redacted] Dear [redacted] ***,Thank you for taking the time to speak with Eric F [redacted] in our Retention department This letter is to confirm that both your Electronic Merchant Systems processing account and First Hudson lease have been cancelled without penalty or early termination fee We have also made arrangements for the pickup of the equipment I would like to apologize for any inconvenience.Please let me know if you have any additional questions or concerns At this time, EMS will consider this matter closed.Sincerely,Jon *B [redacted] Director of Client Service 800- [redacted] ***

(The following was copy/paste by Revdex.com staff - ***)***July 19, [redacted] ***Re: Revdex.com Claim [redacted] Dear Ms [redacted] ,Thank you for taking the time to speak with Tiffany T [redacted] in our Retention department This letter is to confirm that your processing accounts have been closed without penalty or early termination fee Please let me know if you have any additional questions.At this time, EMS will consider this matter resolved.Sincerely,Jon CB [redacted] Director of Client Services [redacted] ***

May 31, [redacted] Re: Revdex.com Claim [redacted] Dear Mr [redacted] , I attempted to reach you by phone, but was unsuccessfulThis letter is to confirm that all monies previously held on your account have now been releasedIn your complaint you stated you were assessed some overdraft fees as a result of the monies being heldPlease contact me directly to discuss those fees and the potential reimbursement I look forward to hearing from you Sincerely, Jon CB [redacted] Director of Client Services 800-615-x

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

October 20, [redacted] ***Re: Revdex.com Claim [redacted] Dear Ms [redacted] ,Thank you for taking the time to speak with Stacy S [redacted] in our Retention departmentThisletter is to confirm that your EMS merchant processing account has been closed without penaltyor early termination feeEMS has also made the decision to release all monies currently held inreserve.At this time, EMS will consider the matter resolved.Sincerely,Jon CB [redacted] Director of Client Services800-615- x

This business response was received by Revdex.com via email and is a copy/paste.November 29, [redacted] [redacted] Dear [redacted] Thank you for taking the time to work with Stacy S [redacted] in our Retention departmentThis letter is to confirm that your account has been closed per your desired settlementEMS has also made the business decision to refund the cancel fee that you were charged, along with the monthly fees that you were assessed, for a total of $1,At this time, EMS will consider the matter resolvedSincerely, Jon [redacted] ***

June 7, [redacted] Dayton, OH 45406Re: Revdex.com Claim [redacted] Dear Ms [redacted] ,Thank you for taking the time to speak with Stacy S [redacted] in our Retention departmentThisletter is to confirm your EMS merchant processing account was cancelled without penalty orearly termination feeEMS has also processed a refund in the amount of $representingMarch and April fees, per your desired settlementI would like to apologize for anyinconvenience this may have caused.At this time, EMS will consider this matter closedPlease let me know if you have any otherquestions or concerns.Sincerely,Jon CB [redacted] Director of Client Service800-615- x

October 28, [redacted] ***Re: Revdex.com Claim [redacted] Dear [redacted] ,Thank you for taking the time to speak with me This letter is to confirm that EMS has closed your merchant processing account without penalty or early termination fee EMS has refunded $as the result of two NSF fees, along with releasing all monies held in reserve.At this time, EMS will consider this matter resolved Please let me know if you have any other questions or concerns.Sincerely,Jon [redacted] B [redacted] Director of Client Service 800-615-x

May 18, [redacted] ***Re: Revdex.com Claim [redacted] Dear Ms [redacted] ,Thank you for taking the time to speak with meThis letter is to summarize our conversations.EMS will close your processing account without penalty or early termination fee days fromthe date of this letterI have also included documentation explaining your current ratestructureThe first document is your original application signed at 2.19% on 1/7/Based onyour business type, EMS would not move forward with those ratesThe deal was then re-writtenand a new document was signed on 1/17/at 3.95%The third document included is yourOctober statement, notifying you of a rate increase of .30%The increase then took yourbase rate to the current 4.25%.With that being said, EMS has made the business to decision to refund a total of $690.31representing the difference of your initial signed document and your current rateEMS has alsoreleased $3,of monies held in reserve.EMS would like to wish you luck with your new merchant services providerPlease let me knowif you have any additional questions or concernsAt this time, EMS will consider this matterclosed.Sincerely,Jon CB [redacted] Director of Client Service800-615- x

April 8, 2016Choosem HelpcomBrian MuirGateway RdSTE 105-540Carlsbad, CA 92008Re: Revdex.com Claim 11298597Dear MrMuir,Thank you for taking the time to speak with Stacy Smith in our Retention department This letter is to confirm that your EMS processing accounts have been closed without penalty or early termination fee I would like to apologize for any inconvenience this may have caused Please let me know if you have any additional questions or concernsAt this time, EMS will consider this matter closed.Sincerely,Jon CB [redacted] iDirector of Client Service 800-615-x

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] ***

May 20, 2016Paul L [redacted] VapeSales.comKayak WayBlaine, WA 98230Re: Revdex.com Claim [redacted] Dear Mr [redacted] ,Thank you for taking the time to speak with Stacy S [redacted] in our Retention departmentThisletter is to confirm that your EMS processing account has been closed without penalty or earlytermination feeI would like to apologize for any inconvenience this may have caused.At this time, EMS will consider this matter closed.Sincerely,Jon CB [redacted] Director of Client Service800-615- x

May 3, 2016Realty Restorations [redacted] ***Re: Revdex.com Claim [redacted] Dear Mr [redacted] ,Per your desired settlement, this letter is to confirm your EMS processing account has been cancelled EMS has released all monies held in reserve The total of funds released were $2, I would like to apologize for any inconvenience this may have caused Please let me know if you have any additional questions or concernsAt this time, EMS will consider this matter closed.Sincerely,Jon CB [redacted] Director of Client Service 800-615-x

July 13, [redacted] ***Re: Revdex.com Claim [redacted] Dear Mr [redacted] ,In response to your rebuttal, you made a business decision to transition away from EMS to anew providerThe signed and executed agreements with EMS and First Hudson Leasing willremain in placeI can have Stacy S [redacted] coordinate getting you the proper paperwork to beginthe cancellation processThe fees will not be waived, and the accounts will remain open untilthe process is completed.Sincerely,Jon CB [redacted] Director of Client Services800-615- x