PCI DATA SECURITY STANDARD

The PCI Data Security Standard requirements apply to all payment card network members, merchants, and service providers that store, process or transmit cardholder data. The core requirements are organized into six categories:

Build and Maintain a Secure Network

1. Install and maintain a firewall configuration to protect cardholder data
2. Do not use vendor-supplied defaults for system passwords and other security parameters

Protect Cardholder Data

3. Protect stored cardholder data
4. Encrypt transmission of cardholder data across open, public networks

Maintain a Vulnerability Management Program

5. Use and regularly update anti-virus software
6. Develop and maintain secure systems and applications implement Strong Access Control Measures
7. Restrict access to cardholder data by business need-to-know
8. Assign a unique ID to each person with computer access
9. Restrict physical access to cardholder data

Regularly Monitor and Test Networks

10. Track and monitor all access to network resources and cardholder data
11. Regularly test security systems and processes
Maintain an Information Security Policy
12. Maintain a policy that addresses information security

VALIDATION ENFORCEMENT

Participating companies can be barred from processing credit card transactions, higher processing fees can be applied, and in the event
of a serious security breach, fines of up to$500,000 can be levied for each instance of non-compliance.

MERCHANT & SERVICE PROVIDER LEVELS & VALIDATION ACTIONS

To validate compliance, all merchants and service providers, regardless of credit card transaction volume and acceptance channel must
fulfill two validation requirements. Some merchants and service providers validate compliance through an Annual On-Site Security Audit
and Quarterly Network Scan, while others complete an Annual Self-Assessment Questionnaire and Quarterly Network Scan. Compliance
levels for merchants and service providers are defined based on annual transaction volume and corresponding risk exposure:

* On-Site Security Audits may be conducted through E Secure 360 compliance team