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The Merchant's Percentage Cost Rate shall be subject to a retroactive adjustment/assessment based on the percentage count of Chargebacks/Disputes to Sales submitted to us during each calendar month in accordance with the table set forth below.

% of Disputed Charges	Discount Rate Increase
up to 0.99%	0
1% or more	5%

Perpetual Payments Limited is part of the Voice Commerce Group. | Voice Commerce Limited (company number 5428358) is authorised by the Financial Services Authority under the Payment Service Regulations 2009 (register reference 504312) for the provision of payment services and holds a consumer credit licence (number 624404/1). VoicePay Limited (company number 5042556) has been issued with a small e-money issuers certificate and is regulated for the provision of payment services by the Financial Services Authority. Voice Commerce Group is registered as an ISO/MSP under Visa & MasterCard rules.