This Commercial Entity Agreement (this “Agreement”) is provided to all users of the Square, Inc. (“Square”) mobile application, card reader devices, and payments service (collectively, the “Square Service”) for the acceptance of card payments that are “Commercial Entities” as defined by Visa, Inc. and MasterCard International, Inc. (collectively, the “Card Brands”). As such an entity, the seller signing or electronically agreeing to the terms hereof (“Seller” or “you”) is entering into this Agreement with JPMorgan Chase Bank, N.A. (the “Member”), and Paymentech, LLC (“Paymentech”), to govern the authorization, conveyance and settlement of Transactions utilizing the Square Service. By entering into this Agreement Seller is fulfilling the Card Brand Rules requiring a direct contractual relationship between the Member and Seller, and Seller is agreeing to comply with Card Brand Rules as they pertain to payments Seller receives through the Square Service. Paymentech shall be a third-party beneficiary of, and may enforce any provisions of, or cease providing card processing services under, the Seller Agreement (“Seller Agreement”).