Participating Entities:

PARTICIPATING ENTITIES	DESCRIPTION	COUNTRIES
MERCHANTS	Merchants can range from large size entities like the Walmart, to smaller entities. Merchants will be the entities that are responsible for sending data collected from a transaction to Banyan.	Merchants are primarily located in the U.S. at the moment, but may also have international operations
FINANCIAL INSTITUTION	Banks, credit card companies, or other similar financial institutions that allow for electronic payment to Merchants for merchant products and/or services (can include service providers like Cardlytics).	Financial institution partners are currently both U.S. and global institutions.
COMSUMER	An individual consumer of a participating Merchant that uses a payment mechanism of a participating financial institution.	Services should be able to accommodate both U.S. and International consumers.
BANYAN	Banyan enters into contracts with both Merchants and Financial Institutions and facilitates the sharing of respective Merchant information as well as runs analytics on de identified information obtained from merchant data	USA - Banyan and its data processing is currently performed in the United States only.

200The transaction.