S- /A percentage can vary significantly based on the card type, transaction type, and transaction size. 10. Square transfers the funds to the Seller's bank account, net of the fee charged by Square (typically 2.75% of payment volume for card present transactions or 3.5% of payment volume plus $0.15 per transaction for card not present transactions). Square provides sellers with fast access to funds, typically settling with them by the next business day after the date of the transaction via Automated Clearing House (ACH) transfers, or the same day via its Instant Deposit service for an additional fee. Square pays a very small fee for each ACH transfer. 11. The funds are settled from the Acquiring Bank to Square, typically in one to two business days after the date of the transaction. 12. At the end of the month, the Issuing Bank sends a statement to the Buyer showing their monthly charges. The statement includes a reference to Square as the merchant of record on the billing statement as a prefix to the Seller name (denoted as SO'). 119 Table of Contents Our Products and Services We offer products and services for our sellers to start, run, and grow their businesses. From our payments and POS services, we gather unique insights that enable us to extend into differentiated financial services and marketing services. The Square Ecosystem TRANSACTIONS 0 FINANCIAL SERVICES PAYROLL PAYMENTS & POS Oki REGISTER rol HARDWARE g CAVIAR adi ANA LYTICS EMPLOYEE MANAGEMENT (i) CASH fq INVOICES APPOINTMENTS fni ONLINE. STORE 04P.„ APP MARKETPLACE NAGE V01.14 Pki z.UNESS. / GROWTH MARKETING SERVICES httly/Amotsee.gov/A rehi vestedgaddata/1512673AMS11193125 I 5369092/d937622dsla.htm[11/6/2015 7:37:12 AMJ CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) CONFIDENTIAL DB-SDNY-0074869 SDNY_GM_00221053 EFTA01377718