Payment Card Industry (PCI) Merchant Service Goup views your credit card processing security with the highest level of importance. In an effort to prevent cardholder fraud and identity theft, Visa, MasterCard, American Express and Discover have established the Payment Card Industry (PCI) Data Security Standard. This standard is more commonly known as PCI Compliance. For more details regarding PCI Compliance, please visit, www.pcicomplianceguide.org.

The card associations have made PCI Compliance a requirement for all merchants. Credit card fraud has been deemed one the most important issues for most in our industry. Because of the nature and urgency of fraud prevention, Visa, MasterCard, American Express and Discover are requiring that all merchants, regardless of transaction volume, are compliant.

Because of this requirement, Merchant Services Group has spent a great deal of time and effort researching these standards and vendors who assist with compliance. To better understand the specific requirements and how they relate to your business, Merchant Service Group has chosen to partner with SecurityMetrics to provide compliance assistance. This partnership will enable Merchant Service group to monitor all merchant compliance on an ongoing basis and report compliance directly to the card associations. SecurityMetrics is a qualified compliance assessor recognized by the card associations and PCI counsel.

Participation in this program is of great importance and is mandatory for all merchants. We appreciate your business and your cooperation in the efforts to minimize cardholder raud. If you have questions, please contact Security Metrics directly at 800-557-4797 or visit their website at www.securitymetrics.com.

Thank you again for your business.