TOMA - Payment Processing Through NOVA

NOVA Information Systems, Inc.

NOVA Information Systems, Inc.

Excellent variable discount rates
Authorization and capture of American Express, Discover, Diner's Club and JCB transactions
Low $0.35 per transaction fee on non-bankcard transactions
Check verification by SCAN^TM with optional collections at no additional cost
Toll-free customer service and terminal help-desk support available 24 hours a day, 7 days a week
Competitive equipment and point-of-sale software pricing with equipment leasing options available

Average Ticket	Annual Volume < $25,000	Annual Volume $25,000-$50,000	Annual Volume > $50,000	Paper Processing Any Volume
>$150	1.90%	1.80%	1.75%	2.97%
$50-$150	2.25%	2.15%	2.10%	3.37%
<$50	3.05%	2.95%	2.90%	4.87%
Qualified rates based on swiped transactions. Batch must be settled every 24 hours.

National Networks	Regional Networks
$0.60 per item	$0.35 per item

For more information about NOVA's program for members of the Texas Osteopathic Medical Association, please call 1-888-545-2207.