This is the amount being retained from the batch value to cover returned transactions. The percentage is calculated on the average returns on batches for the past 6 months. If the value of the unpaid transactions in a batch is lower than the amount being retained, any remaining balance will become part of the available balance after 22 working days. However, if the total of the unpaid transactions is higher than this percentage then, as mentioned above, the extra unpaid value will be refunded out of the 10 percent surety retention. Since we have no transaction history on the first batch, the unpaid retention for this first batch will be applied at 10 percent. Thereafter the retention will be based on the calculated unpaid history on the account.