Note: the following rates apply only to MasterCard and VISA. We apply separately to American Express and Diners Club/Carte Blanche. These applications are included -- there are No additional setup/application fees.

NOVA PROGRAM	Discount Rate	$ Per Transaction
Retail	1.65%	$0.20
MO/TO, Internet	2.25%	$0.30
Monthly Statement Fee	$10

NOVA'S "Special Risk" ONSET PROGRAM	Discount Rate	$ Per Transaction
Retail	1.95%	$0.20
MO/TO, Internet	2.95%	$0.30
Monthly Statement Fee	$10
Special Risk Monthly Fee	$20

SAMPLE OF "SPECIAL RISK" CATAGORIES COVERED BY ONSET PROGRAM If you wish to clarify the exact "risk status" of your business, simply complete our online Express Application and a TMS Rep will contact you directly to clarify your situation.

Adult Oriented Businesses	Travel Agencies/Clubs and Tours All Travel Related Businesses
Multi Level Marketing	Future Services (i.e. More Than One Month In Advance)
Membership Type Businesses	Long Distance Providers (Blocks of Phone Time)
Lotteries or Raffles	Insurance Agencies
Investment Opportunities	Gambling Establishments
Collection Agencies	Companion or Escort Services
Bail Bond Services	Check Cashing Institutions
Auto/Home Security Companies	Check-Cashing Establishments
Employment Agencies	Professional Billing Services
Sports Forecasting	Time Share Condo Sales
Water Filtration/Purification	And Others...Inquire!

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