Industry Insights

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=90 BGCOLOR="#006699" TEXT="#080000" background="13cfd5a3.jpg"> <div> <FONT SIZE="5" COLOR="#000000" FACE="Arial" ><B>HealthCard Systems </B></FONT><B>    </B><B> |     </B><A HREF="index.htm" TARGET="_top" TITLE="HealthCard Systems "><U><B>home</B></U></A></div> <div> <A HREF="id2.htm" TARGET="_top" TITLE="About Us"><U>About Us</U></A>   |   <A HREF="id3.htm" TARGET="_top" TITLE="Products and Services"><U>Products and Services</U></A>   |   <A HREF="id25.htm" TARGET="_top" TITLE="Association Member Benefits"><U>Association Member Benefits</U></A>   |   <A HREF="id40.htm" TARGET="_top" TITLE="Partnerships"><U>Partnerships</U></A>   |   <B>Industry Insights</B>   |   <A HREF="id26.htm" TARGET="_top" TITLE="Press Releases"><U>Press Releases</U></A>   |   <A HREF="id5.htm" TARGET="_top" TITLE="Executive Bios"><U>Executive Bios</U></A>   |   <A HREF="id41.htm" TARGET="_top" TITLE="Career Opportunities"><U>Career Opportunities</U></A>   |   <A HREF="id6.htm" TARGET="_top" TITLE="Contact Us"><U>Contact Us</U></A>   |   <A HREF="pci.htm" TARGET="_top" TITLE="PCI Compliance"><U>PCI Compliance</U></A></div> <div> </div> </td> </tr><tr> <td valign="top" width=210 BGCOLOR="#FFCC66" TEXT="#080000" background="13dd2b03.jpg"> <bR> <bR> <bR> <bR> <div> <IMG SRC="24568230.gif" border=0 width="104" height="35" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <bR> <bR> <bR> <div> <IMG SRC="1fb623d0.gif" border=0 width="98" height="61" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I>Industry Insights</I></div> <div> <I><B>A Guide to Reducing Fees</B></I></div> <bR> <div> HealthCard continuously works to educate and provide awareness to clients in how to minimize the costs associated in accepting credit and debit cards. Armed with a more complete understanding you gain greater control of those add-on fees. Following are the transaction qualification rules. Simply following this guide will reduce your monthly processing fees.</div> <bR> <DIV ALIGN="LEFT"></DIV> <div> <B>Credit Card Transaction Qualification Rules</B></div> <div> <B>QUALIFIED TRANSACTION CONDITIONS</B></div> <div> (Best Rate)</div> <bR> <div> Card is present, full magnetic stripe is read by the terminal and</div> <div> signature is obtained</div> <bR> <div> One electronic authorization request</div> <div> is made per transaction</div> <bR> <div> Authorized transaction amount must</div> <div> match settled (batch) transaction amount</div> <bR> <div> Transactions settled before 2:00 am on the day</div> <div> after the transaction is authorized</div> <bR> <div> Additional data (sales tax and customer code)</div> <div> required on all commercial cards</div> <bR> <bR> <div> <B>MID-QUALIFIED TRANSACTION CONDITIONS</B></div> <div> One or more of the Qualified conditions are not met,</div> <div> <I><B>or</B></I></div> <div> Transactions settled late, but less than</div> <div> two days after authorization date</div> <div> Key-entered transaction with AVS* and CVV**</div> <bR> <bR> <div> <B>NON-QUALIFIED TRANSACTION CONDITIONS</B></div> <div> Key-entered transactions without AVS* and CVV**</div> <div> Transaction settled two days after authorization date,</div> <div> <I><B>or</B></I></div> <div> Transaction was forced without an authorization,</div> <div> <I><B>or</B></I></div> <div> Commercial cards accepted without the</div> <div> required additional data</div> <div> *AVS - Address Verification Service (Zip Code)</div> <div> **CVV - Card Verification Value (back of card, last three digits<FONT SIZE="1" COLOR="#000000" FACE="Myriad-Roman" >)</FONT></div> <bR> <bR> <div> <I><B>If you need further information on any of the above tips, or would like HealthCard to provide a free analysis of your current processing program, please contact us directly. </B></I></div> <bR> <bR> <div> Call, fax or e-mail us at:</div> <DIV ALIGN="LEFT"></DIV> <div> HealthCard Systems, LLC</div> <div> Sherbrooke Office Center II</div> <div> 201 West Passaic Street, Suite 304</div> <div> Rochelle Park, NJ  07662</div> <div> (866) 464-4555</div> <div> Fax (201) 845-5006</div> <div> <A HREF="mailto:Info@healthcardsystems.com" TARGET="_top" TITLE="mailto:Info@healthcardsystems.com"><U>Info@HealthCardSystems.com</U></A></div> </td> </tr></table></body>