3% for 3 months, 4.5% for 6 months, 5.5% for 9 months, 7% for 12 months, 10% for 18 months, 13% for 24 months, 15% for 30 months, 16% for 36 months all transactions converted fo FlexiBuy as Flexibuy commission to CBL ( in addition to the regular merchant service fee for any transaction).