1. IMPORTANT INFORMATION ABOUT YOUR ACCOUNT Refer to page 2 for details.
YOUR CARD PROCESSING STATEMENT
000006/000001/45414/0001/0006/0000/000018 000 01 000000
PO Box 6600, Hagerstown Md 21740
SpendTrend®
(Amount Submitted - Third Party) + Chargebacks/Reversals + Adjustments + Fees Charged = Amount Processed
THIS IS NOT A BILL
Statement Period 09/01/12 - 09/30/12
Merchant Number 999999999999
Customer Service Website - BusinessTrack.com
000006/000001/45414/0001/0006/0000/000018 000 01 000000
ABC Company
ATTN: John Doe
123 Main Street
Anywhere, ST 11111-1111
Page 1 of 5
SUMMARY An overview of account activity for the statement period.
Total Amount You Submitted $524.02
Third Party Transactions 57.09
Chargebacks/Reversals -8.22
Adjustments -3.14
Fees Charged -8.19
Total Amount Processed $447.38
See page 2 for Key Definition of Terms
All amounts shown are in U.S. funds
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Transaction-based and/or
fixed amounts charged for
specific card processing
services. These include: service
charges, which are the amounts
charged to authorize, process
and settle card transactions;
and fees, such as any monthly
service charges. Please refer
to the section entitled Fees
Charged for greater detail.
A unique number assigned
to you.
These amounts are not
funded, but rather passed
through your merchant
account and funded by third-
party service providers. See
page 2 for more information.
Amounts credited to or
deducted from your bank
account to resolve processing
and billing discrepancies in the
event your bank account was
over- or under-funded for any
transactions. See page 2 for
more information.
Transactions that are disputed
by your customer or their
bank. See page 2 for more
information.
Total Amount Processed
= (Total Amount Submitted –Third Party) +
Chargebacks/Reversals +Adjustments + Fees Charged
= (524.02–57.09)+ (–8.22)+(–3.14)+(–8.19)
= $447.38
This statement shows transactions submitted and
amounts to be deducted during the statement period.
These amounts were posted to your merchant account
and will be funded to your bank account. Please do not
pay from this statement.
Please refer to your statement. If it says “Total Amount Funded to
Your Bank” instead of “Total Amount Processed,” please use the
alternative version of “How to Read Your Statement.”

2. Key Card Processing Terms in Plain Language
000006/000001/45414/0001/0006/0000/000019 000 02
Page 2 of 5
PO Box 6600, Hagerstown Md 21740
IMPORTANT INFORMATION ABOUT YOUR ACCOUNT
Please note that important messages may continue or appear on the third page of this merchant statement. Review the third page of this statement
for any continued or additional messages.
Total Amount You Submitted - The total dollar amount of
card transactions submitted and processed during the
Statement Period.
Third-Party Transactions - These are transactions that are
passed directly to third party service providers for
processing and/or funding.
Chargebacks/Reversals - Those transactions that are
challenged or discupted by a cardholder or card-issuing
bank. A Reversal is the amount that was initially resolved
against the merchant, but has subsequently been
resolved in favor of the merchant.
Adjustments - The amounts credited to, or deducted
from, your account to resolve processing and billing
discrepancies.
Interchange Charges - These are the variable fees
charged by Card Organizations for processing
transactions. Factors that affect Interchange Charges
include card type, information contained in the
transaction, and how/when the trasaction was
processed.
Service Charges - Also known as Discount Rate; the
amounts charged to authorize, process and settle card
transactions.
Fees - The range of transaction-based and/or fixed
amounts charged for specific card processing services.
Total Amount Funded to Your Bank - The total dollar
amount of credited/paid to your account transactions
during the Statement Period.
Merchant Number - The unique account number
assigned to every merchant and merchant location.
You’ll find it at the top of your statement.
Users pay a percentage of each transaction, so
interchange charges would typically not apply.

3. YOUR CARD PROCESSING STATEMENT
000006/000001/45414/0001/0006/0000/000020 000 03
PO Box 6600, Hagerstown Md 21740
Page 3 of 5
Statement Period 09/01/12 - 09/30/12
Merchant Number 999999999999
Customer Service Website - BusinessTrack.com
SUMMARY BY CARD TYPE (Total Sales You Submitted - Refunds = Total Amount You Submitted)
Total Gross Sales You Submitted Refunds Total Amount You Submitted
Card Type
Average
Ticket Items Amount Items Amount Items Amount
Total 36 523.76 2 $ 2.24 6 $ 524.02
(Amount Submitted - Third Party) + Chargebacks/Reversals + Adjustments + Fees Charged = Amount Processed
AMOUNT
Date
Submitted
Batch
Number
Submitted
Amount
Third Party
Transactions
Chargebacks/
Reversals Adjustments eF es Charged*
Funded
Amount
09/02/12
09/03/12
09/04/12
09/05/12
09/06/12
09/07/12
09/08/12
$ 70.53
$ 81.92
$ 74.86
$ 85.22
$ 61.81
$ 68.86
$ 80.82
Total $ 447.38
*Certain fees and charges may relate to a prior period
Mastercard
Visa
Discover
American Express
$ 14.71
$ 13.66
$ 24.54
$ 16.75
15
18
1
2
$ 220.71
245.96
24.54
32.55
1
1
0
0
$ 0.99
$ 1.25
$ 0.00
$ 0.00
1
2
1
2
$ 219.72
$ 247.21
$ 24.54
$ 32.55
123456789012
234567890123
345678901234
456789012345
567890123456
678901234567
789012345678
$ 24.54
$ 0.00
$ 17.00
$ 0.00
$ 0.00
$ 15.55
$ 0.00
$ 0.00
$ 0.00
$ 8.22
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 3.14
$ 0.00
$ 37.80
$ 81.92
$ 49.64
$ 85.22
$ 61.81
$ 50.17
$ 80.82
$ 8.19
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 524.02 $ 57.09 -$ 8.22 -$ 3.14 -$ 8.19
Processed By Batch
American Express
and Discover.
Transactions that are disputed
by your customer or their bank.
A batch is typically all your transactions
submitted and funded during the
course of a day that can be viewed
via BusinessTrack at any time.
Amounts credited
to or deducted from
your bank account to
resolve processing and
billing discrepancies
in the event your bank
account was over- or
underfunded for any
transactions.
Transaction-based and/or fixed
amounts charged for specific
card processing services.

4. YOUR CARD PROCESSING STATEMENT
000006/000001/45414/0001/0006/0000/000021 000 04
PO Box 6600, Hagerstown Md 21740
Page 4 of 5
Statement Period 09/01/12 - 09/30/12
Merchant Number 999999999999
Customer Service Website - BusinessTrack.com
Fee Type Legend
SC = Service Charges
IC = Interchange Charges
FEE = Fees
AMOUNTS SUBMITTED BY BATCH
Date
Submitted
Batch
Submitted
Total
Submitted
Total $ 524.02
09/02/12
09/03/12
09/04/12
09/05/12
09/06/12
09/07/12
09/08/12
$ 35.60
$ 33.22
$ 44.88
$ 35.76
$ 3.35
$ 29.83
$ 37.08
123456789012
234567890123
345678901234
456789012345
567890123456
678901234567
789012345678
$ 18.22
$ 24.54
$ 34.93
$ 30.48
$ 29.98
$ 49.46
$ 33.92
$ 39.03
$ 29.41
$ 70.53
$ 81.92
$ 74.86
$ 85.22
$ 61.81
$ 68.86
$ 80.82
MasterCard American Express Discover Visa
THIRD PARTY TRANSACTIONS
Date Description Amount
Total $ 57.09
09/03/12
09/06/12
09/08/12
American Express
Discover
American Express
$ 18.22
$ 24.54
$ 14.33
CHARGEBACKS/REVERSALS
Date .Reference No
Total
Amount
-$ 8.22
09/04/12 888888888888 -$ 8.22
ADJUSTMENTS
Date
Total
Amount
-$ 3.14
09/07/12 Deposit Adjustment -$ 3.14
Description
FEES CHARGED
Date Type Description Total
Total Service Charges -$ 2.21
Total Interchange Charges -$ 0.00
Total Fees -$ 5.98
Total (Service Charges, Interchange Charges, and Fees) -$ 8.19
09/02/12
09/02/12
Monthly Statement Fee
MC Sales Discount Rate .00926 TIMES $ 238.64
Fee
SC
- 5.98
- 2.21
Description
THE CARDHOLDER DID NOT AUTHORIZE THE CHARGE
Card Number (Last 4 Digits)
0354
These sections provide you with detailed breakdowns
of the summaries that appear on the previous page.
47230713