Wholesale Merchant Processing

We are in settlement process with this customerthank you,

Your Revdex.com complaint, # [redacted] regarding Wholesale Merchant Processing (now known as Smart Choice Payments).? On March 20, you signed a Merchant Application agreement personally guarantying to fully perform all obligations under the contract.? You also signed a Merchant Receipt Form which stated, just above your signature that you had received a copy of the Placement Agreement terms and conditionsThe Placement Agreement states under item Termination it states: "Upon any termination WMP shall have the right to collect from Merchant any fees that were waived including, but not limited to, the Application Fee, File Build Fee, Programming Fee and Installation Fee? Merchant also agrees to pay any collection costs or attorney's fees associated with any amount due to WMP or its assigns." ? You were billed $for these previously waived feesWe attempted to collect those fees, but your account did not have a sufficient balance and was rejected? Therefore, the matter was sent to a collection agency? When the customer service personnel told you no further fees would be collected, he was addressing monthly fees for service? You did follow instructions and returned the loaned equipment, so you were not billed for that? In addition, being a month to month user, you were not billed an early termination fee ($395.00)? It is your duty to read contracts thoroughly before signing them? Failure to read the contracts does not excuse you from incurring costs provided for in the terms and conditions of the agreement? It is not in the customs and practices of WMP to waive all fees under the contract? We do sometimes waive fees to assist merchants in obtaining service and collect those fees upon termination as provided for under the contractWMP would like to end this business relationship amicably? To that end, please bring your account current? ?

Complaint: [redacted] I am rejecting this response because: Going back to my original request, I was told if I waited until 5/30/to cancel I would be charged any fees? This was the crux of my entire complaint to begin with? I am not accepting this logic that they forget to bill people for years? Cash grab not accepted on my part Sincerely, [redacted]

To Whom It May Concern: Our firm has the pleasure of representing WholesaleMerchant Processing, Inc(“WMP”) Thisletter is in response to a August 5, Revdex.com complaint # [redacted] regarding electronic payment processingagreements between, Ms [redacted] (“Ms [redacted] ”) of [redacted] *** (“***”)and WMPThis letter will address the issues raised in that letter with thehopes of achieving an amicable resolutionOn or around September 19, 2012, Ms [redacted] met with aWMP independent sales consulted to discuss the electronic payment processingservices that WMP could provide to ***Ms [redacted] , individually and onbehalf of [redacted] ,signed a Merchant Processing Agreement (“MPA”) to processelectronic payments with [redacted] (“***”), an EquipmentLease Agreement for electronic payment processing equipment with [redacted] (“ [redacted] ”), and a Merchant Receipt Form (“MRF”) with WMP(collectively, “Agreements”) Uponcredit approval and acceptance by [redacted] and [redacted] the equipment was shippedand later accepted by [redacted] on September 28, The Equipment Finance Lease for electronic paymentprocessing equipment between [redacted] and Ms [redacted] is separate andindependent from the MRF agreement Ms [redacted] endorsed with WMPRegardless, partof the Agreements Ms [redacted] entered into clearly states, in capital letters, “BYSIGNING BELOW, I ACKNOWLEDGE THAT I HAVE READ ALL PAGES OF THIS LEASE, THATALL BLANK TERMS ON PAGE 1WERE FILLED IN AT THE TIME OF SIGNING, THAT I HAVEBEEN GIVEN A COPY OR OPPORTUNITY TO MAKE A COPY AND THAT I AGREE TO BE BOUND BYALL THE TERMS OF THIS GUARANTY AND LEASE.” (no emphasis added)Ms [redacted] thensigned right beneath this line accepting the terms stated thereinThe Equipment Finance Lease with [redacted] openly sets forth the terms regarding the fees for the equipmentleaseWhile it is unfortunate there was a misunderstanding, it was Ms [redacted] ’sresponsibility as a business owner, and personal guarantor, to read andunderstand all terms set forth for each agreement prior to signing theAgreementsMs [redacted] signed Agreements on behalf of herself and [redacted] to leasethe equipment and to pay for the processing of the credit card transactions forthe stated period of timeThe Agreements set forth the fees associated withthe equipment and processing, all signed and personally guaranteed by Ms [redacted] .Ms [redacted] is a sophisticated business owner whoentered into a commercial contract on behalf of herself and her businessIt iswell-established law that Ms [redacted] ’s duty to read contracts in their entiretybefore signing them are imputed on herOnce Ms [redacted] signed the Agreements, Ms [redacted] became subject to theterms and conditions of the Agreements, including any applicable earlytermination fees Additionally, WMPperformed by opening a new merchant processing account and sending Ms [redacted] ’sequipment The terms clearly state that shewill have to pay the full term of the lease, plus any additional cancellationfees, if she were to cancel the Agreements prematurelyMs [redacted] is thussubject to the terms and conditions of the Agreements Due to Ms [redacted] acceptance of the financialequipment and signing the Agreements on behalf of herself and Lane, she hasagreed to the terms set forth by WPSUltimately, WMP is committed to customer satisfactionand a mutually beneficial business relationship WMP is willing to work with Ms [redacted] andcorrect any errors she can documentRegardless, WMP would like to offer ***a more competitive offer than what it initially agreed to in order to help themsave money and to encourage Ms [redacted] to stay with WMP [redacted] would still enjoy the advancedtechnology and service, but would also get even more competitive ratesIn anyevent, we hope that Ms [redacted] will reconsider her cancellation, and work with WMPto find a positive resolutionShould Ms [redacted] have any further questions orconcerns please do not hesitate to email [redacted] @attorneygl.com For the firm,/s/James C.Huber, Esq.Global Legal LawFirm, LLP [redacted]

Re: Better Business Complaint [redacted] I am in receipt of the Revdex.com complaint you posted, referenced above, and I amresponding on behalf of Wholesale Merchant Processing, IncThank you for yourcomments and returning the VXterminal In 2014, we contacted you to communicate that the unit that was originallyshipped to you in essentially had became obsolete and non-PCIDSS compliant.The Payment Card Industry Data Security Standard (PCI DSS) is a proprietaryinformation security standard for organizations that handle branded credit cards fromthe major card schemes including Visa, MasterCard, American Express, Discover, andJCBThe PCI Standard is mandated by the card brands and administered by thePayment Card Industry Security Standards CouncilThe standard was created toincrease controls around cardholder data to reduce credit card fraudWe shipped you aPCIDSS compliant VXin The EMV compliance (chip reading capability) was not mandated at that time in 2014.EMV compliance was not a lawIt was the credit card companies rulesBeginningOctober 1, 2015, they shifted liability for fraudulent transactions from credit cardcompanies to merchants under some circumstances when EMV capable equipment isinvolved in the transactionArticles suggest that studies estimate that only 30% of allmerchants in the U.Sare currently in compliance with these rulesThat is becausemost merchants face little possibility of credit card fraud when compared to the cost ofcomplianceYou were concerned about the new compliance rules and wanted to makesure your equipment was EMV compatibleThe VXyou received was designed toprocess transactions using EMV cardsIt had the physical features for EMV capability.However the processor, in had not completing the updated EMV software fordownloadThis is much like the annoying, but necessary, updates we all get for ourcomputers from our operating system manufacturersBy 2015, the target date keptbeing moved outWMP simply told you what they were telling usThe download wouldbe available in approximately daysWe ended up contracting with a differentprocessing company that had EMV compliant software ready and started a newcompany, Smart Choice PaymentsAll new customers were signed up with our thiscompanyIn order to make EMV available to you, a salesperson contacted you andoffered to sign you up with Smart Choice PaymentsYou refused this option andinstead cancelled your WMP contractI have written to you and explained what thesefees were and where in the contract(s) they are provided previously As I suggested in my previous letter, if you were to choose to continue to process,perhaps with a month to month arrangement with us, the company would be willing toforgo all early termination fees upon signing a new agreement with Smart ChoicePayments Sincerely,Frank F [redacted] Legal DepartmentSmart Choice PaymentsSW Stratus StSte150Beaverton, OR 97008(888) 381-Ext [redacted] ***[email protected]

Wholesale Merchant Processing Inc., thanks you for your feedback? WMP has recently performed an audit to identify accounts with outstanding balances and/or accounts in which fees were due under ? previous contract agreements? In your case, fees that were waived at the beginning of the term of your agreement became payable due to the early termination of your agreement as per your the terms and conditions of that contrad? Those fees included the Application Fee, File Build Fee, Programming Fee and Installation Fee? The total of these fees comes to $? The recovery of these fees were provided for in the agreement you entered intoBy signing the contract you also activated the provision that authorized WMP to debit your bank account for any payments due under the contract and provided a voided check for this purpose? A customer service representative did initially tell you that he would process a refund for these fees, however, once the request was made, it was overruled by management and the customer service representative advised your spouse by telephone a few days later that the refund was rescinded? WMP regrets any inconvenience that this situation may have caused you

Dear Mr [redacted] and All Concerned Parties: As of today, November 25, 2015, Wholesale Merchant Processing motions to close out Mr [redacted] 's account with WMPIf Mr [redacted] complies, WMP believes this matter will be fully resolvedWMP is mindful of the need to accommodate for the demands of the clientAs a company that thrives only due to its customers’ satisfaction, Wholesale Merchant Processing often meets its customers' petitions for service changes, contract modifications, and other requests without owing any fiscal or legal obligationIn this particular scenario, WMP has reached out to the merchant and will be in regular contact within the upcoming week to ensure that the cancellation of Mr [redacted] 's account will go as smoothly as possible We understand the desire for indemnity and hope to assist to the best of our ability and resources in finding a way to alleviate the situationHere at WMP, we strongly prefer a mutually beneficial conclusion to this business matterWe regret having to end our professional contract with Mr [redacted] , but WMP fully understands the nature of a free market and that industry thrives on always putting the consumer’s and client’s preferences as first priorityWe hope that in the spirit of good faith and business practice, that this will be considered a congenial end to our transaction correspondence Finally, WMP would like to thank Mr [redacted] for bringing account issues to our attentionWe highly value customer feedback as it helps us progress and grow as a companyMr [redacted] may feel free to contact me directly at [redacted] or call my office phone at (888) 381-extension [redacted] with any further questions or concerns Best Regards, Anna P [redacted] , PR Administrator at Wholesale Merchant Processing

RE: Revdex.com Complaint # [redacted] Mr***,I am writing in response to the referenced complaint with the Revdex.com.You became a customer with Wholesale Merchant Processing (WMP) on October 3,when you signed a Merchant Application(MA) and a Merchant Receipt Form(MRF)WMP received a cancellation notice on August 11, requesting to cancelaccount on October 3, Previously, on April 21, you signed an updatedMerchant Receipt Form.On the bottom of the MRF you signed on April 21, 2011, just above her signature, theform states:“By signing below, you represent and agree that: (1) The information inand accompanying this form is complete and correct; (2) you have readand received a copy of the Placement Agreement terms and conditionsand agree to be bound by that agreement , and; (3) you are authorized asan officer, partner, manager or owner to submit to this form and to bind theMerchant to this Placement Agreement.” (underline added for emphasis).Under the terms and conditions of the Placement Agreement, the initial term of theagreement and the updated agreement was three years with an automatic renewal foradditional terms of one year each unless either party notified the other within thirty daysprior to the end of the current term that it did not wish to renew the agreementUnderthe updated MRF, then, the new initial contract term expired April 21, Therefore,your cancellation of the agreement on October 3, was an early terminationTheearly termination fee was eliminated from the Merchant Application so you were notbilled the $early termination fee The Placement Agreement terms and conditions also provide under item number four, “Effect of Termination”:“Upon and termination, WMP shall also have the right to collect fromMerchant any fees that were waived including, but not limited to, theApplication Fee, Programing Fee and Installation Fee.” Due to early termination, you were billed the fees which appeared on the face of theMerchant Receipt Form but had been previously waived; $Programming Fee,$Installation Fee, $File Build Fee and a $Application Fee for a totalof $ The Merchant Application and Merchant Receipt Form did not have early terminationfees waived under the contract nor is it WMP’s custom and practice to waive all feesunder the contractWMP oftentimes waives fees up front, such as Application fees;Programming fees; Installation fees and Monthly minimums, in order to benefit thebusiness and continue services with WMP Finally, a Fund Transfer Authorization is part of the Merchant Application you signedand agreed to for collection of any payments due under the AgreementYou provided avoided check for this purpose You are a sophisticated business owner who entered into a commercial contract onbehalf of [redacted] ***’s [redacted] & [redacted] It is your duty to read contracts in their entiretybefore signing themFailure to read the contracts before entering into an agreementdoes not relinquish you from the costs incurred under the terms of the agreement.Once you signed the agreements, indicating a meeting of the minds, you becamesubject to the terms and conditions of the contracts, including any applicable earlytermination fees I hope this letter helps to explain the outstanding charges you were billed for Sincerely,Frank F [redacted] Legal Department,Wholesale Merchant ProcessingSW Stratus StSte150Beaverton, OR 97008(888) 381-Ext***[email protected]

I am writing in response to your complaint filed with the Revdex.com referenced aboveIn reviewing the record of your account with Wholesale Merchant Processing (WMP), it appears that you became a customer when you signed a Merchant Application and a Merchant Receipt Form on November 15, There are two entries that pertain to your complaint: 08/27/12, 07:AM Note: received a cancel letter from merchant said she went with another company, because of lower rates and that if we wanted her to stay we would have just lower her rates for her, she said she will send another cancel letter in oct, cause she would have a etf right now Danelle A [redacted] 08/21/12, 12:PM Note: Julie [redacted] to cancel says that she has another company and has changed over already-tried to save but merchant wants to cancel.Advto send in cancel letter day close Geraldine H***? There is no indication that any additional cancellation letter was ever receivedIn any case, you had already notified that you were no longer processing with WMP in breach of your contractsSubsequently, your account was cancelled for inactivityThe copy of your alleged cancellation letter dated 10/09/that was faxed on April 5, is of no consequence since you had already reported that you had begun processing credit card payments with another company on August 21, and effectively terminated your agreement at that pointOn both of the bottom of the MRF you signed, just above your signature, the forms stated: “By signing below, you represent and agree that: (1) The information in and accompanying this form is complete and correct; (2) you have read and received a copy of the Placement Agreement terms and conditions and agree to be bound by that agreement , and; (3) you are authorized as an officer, partner, manager or owner to submit to this form and to bind the Merchant to this Placement Agreement.” (underline added for emphasis)The Placement Agreement terms and conditions also provide under item number four, “Effect of Termination”: “Upon and termination, WMP shall also have the right to collect from Merchant any fees that were waived including, but not limited to, the Application Fee, Programing Fee and Installation Fee.” You were billed the fees which appeared on the face of the updated Merchant Receipt Form but had been previously waived; $Programming Fee, $Application Fee, $Actual Set Up Fee, $Starter Kit, for a total of $WMP often times waives these fees in order to assist merchants to commence processing and then collects these fees in the event the contract is terminated earlyYou were not charged an Early Termination Fee ($350.00) as there is no provision for that in your contractsIt is my hopes that this letter has cleared up any confusion about why you were charged $WMP values your past patronage as a customerIf you become unhappy with your current processor, WMP would welcome you as a customer and would be happy to work with you to resolve any issues you may haveAs a company whose success is largely due to it's excellent customer service, WMP realizes the importance of meeting its customer’s demands including modification of fees, elimination of minimums and other accommodations that we are not required to

At this time Smart Choice Payments has closed [redacted] 's account and has removed it from CollectionsWe are no longer asking [redacted] to pay the [redacted] is no longer in debt to Smart Choice PaymentsWe have done this to satisfy [redacted] and Revdex.com as well to better our relationship with Customer and the Revdex.comThank You, [redacted] is always welcome to come back and process with Smart Choice Payments at anytime we would love to have her as a customer again if she ever would like to come back in the near future Katherine H***

To Whom It May Concern: Our firm has the pleasure of representing WholesaleMerchant Processing, Inc(“WMP”) Thisletter is in response to a June 18, Revdex.com Complaint, # [redacted] regarding electronic payment processing agreements between, Ms [redacted] of [redacted] *** [redacted] (“***”) and WMPThis letter will address the issues raised inthat letter with the hopes of achieving an amicable resolutionWMP initially spoke with Ms [redacted] byphone on or about June 10, During that conversation, Ms [redacted] set anappointment to meet with a WMP independent sales consultant and as scheduled,Ms [redacted] met with WMP sales consultant to discuss credit card processingservices WMP could provide to ***On or around June 11, 2008, Ms [redacted] ,on behalf of ***, entered into the Merchant Processing Agreement (“MPA”) withWMP and personally guaranteed all of ***’s obligations under the MPAOn oraround June 11, 2008, WMP sent the processing equipment to [redacted] and Ms[redacted] used WMP’s services for over six (6) years before wishing to cancelthe MPAOn or about May 5, 2014, Ms [redacted] notified WMP requesting WMP cancel the MPAMs [redacted] now alleges that she is incorrectly beingcharged monthly feesMs [redacted] is a sophisticated business owner whoentered into a commercial contract on behalf of her businessIt is Ms [redacted] ’sduty to read contracts in their entirety before signing them Once Ms [redacted] signed the MPA, Ms [redacted] became subject to the terms and conditions of the MPA, including any applicableearly termination fees The termsclearly state that she will have to pay the full term of the MPA, plus anyadditional cancellation fees, if she were to cancel prematurelyPursuant to these terms, the early termination fees includeany waived fees assessed pursuant to Ms [redacted] early termination See MRF, ¶Ms [redacted] signed the MPA,indicating a meeting of the minds, and she became subject to the terms andconditions of the contracts, including these previously waived fees Moreover, WMP is activelyinvestigating this matter to see if there were any miscalculations or impropercharges related to Ms [redacted] ’s accountUpon notification of suchdiscrepancy, WMP representatives will be working with Ms [redacted] directly inan attempt to alleviate her concerns, issue reimbursements, and cultivate anagreeable resolutionIf erroneous charges have occurred, WMP will gladlyrefund the proper amountIf there are any further concerns, Ms [redacted] ’sshould contact us immediately to resolve all issues Ultimately, WMP is committed to customer satisfactionand a mutually beneficial business relationship WMP is willing to work with Ms [redacted] andcorrect any errors she can documentIn any event, we hope that Ms [redacted] willreconsider her cancellation, and work with WMP to find a positive resolution.Should Ms [redacted] have any further questions or concerns please do nothesitate to email [redacted] @glrlegal.com For the firm, [redacted]

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 meSincerely, [redacted]

RE: Revdex.com Complaint # [redacted] Mr***,I am writing in response to the referenced complaint with the Revdex.com.You became a customer with Wholesale Merchant Processing (WMP) on October 3,when you signed a Merchant Application(MA) and a Merchant Receipt Form(MRF)WMP received a cancellation notice on August 11, requesting to cancelaccount on October 3, Previously, on April 21, you signed an updatedMerchant Receipt Form.On the bottom of the MRF you signed on April 21, 2011, just above her signature, theform states:“By signing below, you represent and agree that: (1) The information inand accompanying this form is complete and correct; (2) you have readand received a copy of the Placement Agreement terms and conditionsand agree to be bound by that agreement , and; (3) you are authorized asan officer, partner, manager or owner to submit to this form and to bind theMerchant to this Placement Agreement.” (underline added for emphasis).Under the terms and conditions of the Placement Agreement, the initial term of theagreement and the updated agreement was three years with an automatic renewal foradditional terms of one year each unless either party notified the other within thirty daysprior to the end of the current term that it did not wish to renew the agreementUnderthe updated MRF, then, the new initial contract term expired April 21, Therefore,your cancellation of the agreement on October 3, was an early terminationTheearly termination fee was eliminated from the Merchant Application so you were notbilled the $early termination fee The Placement Agreement terms and conditions also provide under item number four,? “Effect of Termination”:“Upon and termination, WMP shall also have the right to collect fromMerchant any fees that were waived including, but not limited to, theApplication Fee, Programing Fee and Installation Fee.” Due to early termination, you were billed the fees which appeared on the face of theMerchant Receipt Form but had been previously waived; $Programming Fee,$Installation Fee, $File Build Fee and a $Application Fee for a totalof $ The Merchant Application and Merchant Receipt Form did not have early terminationfees waived under the contract nor is it WMP’s custom and practice to waive all feesunder the contractWMP oftentimes waives fees up front, such as Application fees;Programming fees; Installation fees and Monthly minimums, in order to benefit thebusiness and continue services with WMP Finally, a Fund Transfer Authorization is part of the Merchant Application you signedand agreed to for collection of any payments due under the AgreementYou provided avoided check for this purpose You are a sophisticated business owner who entered into a commercial contract onbehalf of [redacted] ***’s [redacted] & [redacted] It is your duty to read contracts in their entiretybefore signing themFailure to read the contracts before entering into an agreementdoes not relinquish you from the costs incurred under the terms of the agreement.Once you signed the agreements, indicating a meeting of the minds, you becamesubject to the terms and conditions of the contracts, including any applicable earlytermination fees I hope this letter helps to explain the outstanding charges you were billed for Sincerely,Frank F [redacted] Legal Department,Wholesale Merchant ProcessingSW Stratus StSte150Beaverton, OR 97008(888) 381-Ext***[email protected]

Dear Ms [redacted] : I am in receipt of your complaint with the Revdex.com From our records it appears that you first became a customer of Wholesale MerchantProcessing when you signed a Merchant Application (MA) and a Merchant ReceiptForm (MRF) on October 7, Attached to the MRF is a Placement Agreement which contains the terms andconditions of the contractOn both the MA and the MRF, just above the signature line,contain the following language: "By signing below, you represent and agree that: () The information inand accompanying this form is complete and correct; (2) you have readand received a copy of the Placement Agreement terms and conditionsand agree to be bound by that agreement, and; (3) you are authorized asan officer, partner, manager or owner to submit to this form and to bind theMerchant to this Placement Agreement." (underline added for emphasis) The term of the contract as stated in Item 2, "Term and Termination"of the PlacementAgreement, is three years from the date of signature with an an automatic renewalthereafter for additional terms of two years eachTherefore, the initial term of thecontract for credit card processing ran until October 7, On November 9, youcalled WMP customer service to cancel your account because the business was beingclosedAt that time your contract had automatically renewed for a new two year te rm.Therefore your cancellation was an early terminationAccordingly, you were billed foran early termination fee of $as you stated in your comments to the Revdex.com The Placement Agreement terms and conditions also provide under item number four,"Effect of Termination": "Upon and termination, WMP shall also have the right to collect fromMerchant any fees that were waived including, but not limited to, theApplication Fee, Programing Fee and Installation Fee." The previously waived fees appear on the face of the MRF: $Programming Fee,$Installation Fee, $File Build Fee and a $Application Fee for a totalof $ Finally, you gave WMP a "funds transfer authorization" when you signed the MAYouprovided a voided check to us for that purpose You are a sophisticated business owner who entered into a commercial contract onbehalf of Performance CoatingsIt is your duty to read contracts in their entirety beforesigning themFailure to read the contracts before entering into an agreement does notrelinquish you from the costs incurred under the terms of the agreementOnce yousigned the agreements, indicating a meeting of the minds, you became subject to theterms and conditions of the contracts, including any applicable early termination fees.I hope this letter helps to explain to you where the amount that was debited from youraccount generated from and what those charges were for Sincerely,Frank F [redacted] Legal DepartmentSmart Choice PaymentsSW Stratus StSte150Beaverton, OR 97008(888) 381-Ext [redacted] ***[email protected]

[redacted] Please See Attached Documents [redacted] From: Anna P [redacted] , Public Relations Administration [redacted] Beaverton, OR 97008(888) 381-Ext [redacted] To: [redacted] Revdex.comPO Box 1000DuPont, WA 98327(206) 431-[redacted] RE: [redacted] , Business Executive [redacted] ***Pendleton, OR [redacted] Complaint ID [redacted] December 14, 2015To Ms [redacted] and All Concerned Parties:I, Anna P [redacted] , am responding on behalf of Wholesale Merchant Processing (WMP) astheir Public Relations AdministratorThis letter will address the Revdex.comcomplaint issued on behalf of Ms [redacted] in the hopes of achieving an amicable resolution.As of today, December 14, 2015, Wholesale Merchant Processing has motioned to refund Ms[redacted] $893.98, the amount owed to her due to a discrepancy in billing, hinging onthe condition that Ms [redacted] will address any and all complaints issued on her behalf by theRevdex.com as settled in the customer’s favor within seven business days of thisletter’s dateIf Ms [redacted] complies, WMP believes this matter will be fully resolved.Wholesale Merchant Processing is mindful of the need to accommodate for the demands ofthe clientAs a company that thrives only due to its customers’ satisfaction, WholesaleMerchant Processing often meets its customers' petitions for service changes, contractmodifications, and other requests without owing any legal or fiscal obligation to the clientInthis particular scenario, WMP understands Ms [redacted] ’s desire for indemnity and hopes toassist her to the best of the company’s ability and resources in finding a way to alleviate thesituation.Here at Wholesale Merchant Processing, we strongly prefer a mutually beneficial conclusionto this business matterWe regret having to end our professional contract with Ms [redacted] , but WMP fully understands the nature of a free market and that industry thrives onalways putting the consumer’s and client’s preferences as first priorityWe hope that in thespirit of good faith and business practice, that this will be considered a congenial end to ourtransaction correspondenceIf Ms [redacted] ever wishes to renew a professional relationshipwith our merchant processing services, we at WMP would welcome the opportunity to earnback her patronage.Finally, WMP would like to thank Ms [redacted] for bringing her account issues to our attention .We highly value customer feedback as it helps us progress and grow as a company .Ms [redacted] may feel free to contact me directly at [redacted] or callmy office phone at (888) 381-extension [redacted] with any further questions or concerns.Best Regards,Anna P [redacted] Public Relations Administrator, Wholesale Merchant Processing

Dear Mr [redacted] , thank you for your comments Feedback helps us to improve our customer service You had signed a Merchant Application and Agreement and a Merchant Receipt Form on May 29, Please note that at the bottom of the MRF you signed, just above your signature, the form states:“By signing below, you represent and agree that: (1) The information in and accompanying this form is complete and correct; (2) you have read and received a copy of the Placement Agreement terms and conditions and agree to be bound by that agreement, and; (3) you are authorized as an officer, partner, manager or owner to submit to this form and to bind the Merchant to this Placement Agreement.” (underline added for emphasis) The Placement Agreement terms and conditions provide under item number four, “Effect of Termination”: “Upon and termination, WMP shall also have the right to collect from Merchant any fees that were waived including, but not limited to, the Application Fee, Programing Fee and Installation Fee.”Due to early termination, you were billed the fees which appears on the face the Merchant Receipt Form but had been previously waived; $Programming Fee, $Installation Fee, $File Build Fee and a $Application Fee for a total of $ WMP periodically reviews closed accounts and identifies accounts in which these waived fees had never been collected Your account was flagged as one that had not been billed fees which were due under the provisions of the contracts There is no statute of limitations for collecting a bill that is due WMP regrets that you were misinformed as to these fees which were previously waived when you first became a customer We regularly waive those fees so that merchants can begin to process credit card payments without delay WMP also regrets any inconvenience you may have had due to this experience

Revdex.com: ? Wholesale Merchant Processing has issued a full refund promptly upon accepting responsibility for their employees error.? I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meSincerely, [redacted]

Mr [redacted] , thank you for your commentsYour feedback helps Wholesale Merchant Processing (WMP)in it's efforts to constantly improve it's customer service operationsYou signed a Merchant Application and Agreement (MAA) and a Merchant Receipt Form (MRF) on April 12, At the bottom of the MRF, just above your signature, the form states: “By signing below, you represent and agree that: (1) The information in and accompanying this form is complete and correct; (2) you have read and received a copy of the Placement Agreement terms and conditions and agree to be bound by that agreement, and; (3) you are authorized as an officer, partner, manager or owner to submit to this form and to bind the Merchant to this Placement Agreement.” (underline added for emphasis) The term of the contract as stated in Item 2, “Term and Termination” of the Placement Agreement, is three years from the date of signature with an an automatic renewal thereafter for additional terms of two years each unless either party notifies the other no later than thirty days prior to the end of the current term that it does not wish to renewThe initial term of your contract was for three years up until April, 11, Your contract auto renewed on that date for two more years since you did not notify WMP no later than days prior to the end of the initial term The record shows that [redacted] called and left a voice mail with customer service on July 13, asking what the business needed to do to cancel the accountBy that time, the contract had already renewed for two additional yearsYou called later that day and spoke to a customer representative who explained that your contract was automatically renewed for two years and that if you canceled, it would be considered an early termination and certain fees would be applied You are a sophisticated business owner who entered into a commercial contract on behalf of [redacted] *** It is your duty to read contracts in their entirety before signing them Failure to read the contracts before entering into an agreement does not relinquish you from the costs incurred under the terms of the agreement Once you signed the agreements, indicating a meeting of the minds, you became subject to the terms and conditions of the contracts, including any applicable early termination fees WMP is willing to adjust your rates and work with you on any issues has if you will reconsider canceling and continue using WMP’s services WMP is mindful of the need to accommodate demands for satisfaction As a company that thrives only due to its satisfied customers, WMP often meets its customer’s requests for service changes, contract modifications and other requests that it is not obliged to WMP regrets your desire to cancel with WMP and strongly prefers a mutually beneficial conclusion to this business relationship Additionally, WMP strives to provide excellent customer service to merchants and would like to see an amicable resolution to this situation WMP would like to resume its business relationship with you and and we hope that you will consider working with WMP to find a positive resolution For the quickest possible resolution, I encourage you to contact our customer service expert at [redacted] @smartchoicepayments.com or call at (503)-997-

Complaint: [redacted] I am rejecting this response because: Going back to my original request, I was told if I waited until 5/30/to cancel I would be charged any fees This was the crux of my entire complaint to begin with I am not accepting this logic that they forget to bill people for years Cash grab not accepted on my part Sincerely, [redacted]

Revdex.comJefferson StNE, Ste AAlburquerque, NM [redacted] ***RE: Revdex.com ID [redacted] ***Dear Mr [redacted] :From our records it appears that you first became a customer of Wholesale MerchantProcessing when you signed a Merchant Application (MA) and a Merchant ReceiptForm (MRF) on September 25, Subsequently, you renewed this agreements bysigning an updated MRF on October 9, which renewed the term of his contract fora period of three years..Attached to both the MRF and the updated is a Placement Agreement which containsthe terms and conditions of the contractBoth the MRF’s, just above the signature linecontain the following language:“By signing below, you represent and agree that: (1) The information inand accompanying this form is complete and correct; (2) you have readand received a copy of the Placement Agreement terms and conditionsand agree to be bound by that agreement, and; (3) you are authorized asan officer, partner, manager or owner to submit to this form and to bind theMerchant to this Placement Agreement.” (underline added for emphasis).The term of the contract as stated in Item 2, “Term and Termination”of the PlacementAgreement, is three years from the date of signature with an annual automatic renewalafter the first three year termTherefore, the initial term of the contract for credit cardprocessing under the most recent MRF runs until October 9, Your cancellation ofthis agreement is an early terminationThe MA provided no provision for an EarlyTermination FeeAccordingly, you have not been billed for this amount.The Placement Agreement terms and conditions also provide under item number four,“Effect of Termination”: “Upon and termination, SCP shall also have the right to collect from Merchant any fees that were waived including, but not limited to, the Application Fee, Programing Fee and Installation Fee.” The previously waived fees appear on the face of the MRF: $Programming Fee, $Installation Fee, $File Build Fee and a $Application Fee for a total of $ You are a sophisticated business owner who entered into a commercial contract on behalf of [redacted] *** It is your duty to read contracts in their entirety before signing them Failure to read the contracts before entering into an agreement does not relinquish you from the costs incurred under the terms of the agreementOnce you signed the agreements, indicating a meeting of the minds, you became subject to the terms and conditions of the contracts, including any applicable early termination feesRecently, WMP ran an audit on all of it’s closed accounts to find accounts in which Early Termination Fees and/or Previously Waived were never billed previouslySCP is willing to adjust your rates and work with you on any issues has if you will reconsider cancelling and continue using SCP’s services SCP is mindful of the need to accommodate demands for satisfaction As a company that thrives only due to its satisfied customers, SCP often meets its customer’s requests for service changes, contract modifications and other requests that it is not obliged to SCP regrets your desire to cancel with SCP and strongly prefers a mutually beneficial conclusion to this business relationship Additionally, SCP strives to provide excellent customer service to merchants and would like to see an amicable resolution to this situation SCP would like to resume its business relationship with you and and we hope that you will consider working with SCP to find a positive resolution For the quickest possible resolution, I encourage you to contact our customer service expert at [redacted] Sincerely, Frank F [redacted] Legal Department Smart Choice Payments [redacted] *** [redacted] *** [redacted] *** [redacted]