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. You must issue a receipt to the Cardholder upon successful completion of a transaction and effect PAN Truncation on it . You may not manually enter the account number for PIN Debit transactions Signature Debit transaction may be key entered if you are unable to swipe the Card The account number must be read electronically from the Magnetic Stripe /chip for transactions authenticated with a PIN If the Magnetic Stripe/chip is unreadable, you must request another form of payment from the Cardholder Do obtain a signature if PIN authentication is not supported or available . Any applicable tax must be included in the total transaction amount for which Authorization is requested Tax may not be collected separately in cash . YOU ARE RESPONSIBLE FOR SECURING YOUR POS DEVICES AND FOR IMPLEMENTING APPROPRIATE CONTROLS TO PREVENT EMPLOYEES OR OTHERS FROM SUBMITTING CREDITS AND VOIDS THAT DO NOT REFLECT BONA FIDE RETURNS OR REIMBURSEMENTS OF PRIOR TRANSACTIONS. 35.3. Cash Back From Purchase. You may offer cash back to your customers when they make a PIN Debit Card purchase You may set a minimum and maximum amount of cash back that you will allow If you are not currently offering this service. your POS device may require additional programming to begin offering cash back as long as it is supported by the Debit Network 35.4. Settlement. You must reconcile your accounts for each location daily and notify us within 24 hours of any issues 35.5. Adjustments. An adjustment is a transaction that is initiated to correct a Debit Card transaction that has been processed in error For signature debit transactions (including no signature' signature debit transactions), both the Cardholder and the card issuing bank have the right to question or dispute a transaction If these questions or disputes are not resolved, a chargeback may occur You are responsible for all adjustment and Chargeback fees that may be charged by a Debit network There are several reasons for adjust ments being initiated: . The Cardholder was charged an incorrect amount, whether too little or too much . The Cardholder was charged more than once for the same transaction . A processing error may have occurred that caused the Cardholder to be charged even though the transaction did not complete normally at the point of sale . A Cardholder is disputing the goods or services provided. All parties involved in processing adjustments and Chargebacks are regulated by time frames that are specified in the operating rules of the applicable Debit network, The Electronic Funds Transfer Act, Regulation E, and other applicable law 36. Special Provisions Regarding EST Transactions If you elect to accept EBT Cards and engage in EBT transactions, the terms and conditions of this Section 36 shall apply EBT transactions are provided to you by Processor and not by Bank The Services provided transactions processed and other matters contemplated under this Section 30 are subject to the rest of this Agreement, as applicable, except to the extent the terms of this Section 30 directly conflict with another section of this Agreement, in which case the terms of this Section 30 will control. provided, however, that Bank is not a party to this Agreement insofar as it relates to EBT transactions, and Bank is not liable to you in any way with respect to such Services For the purposes of this section. the words "we." "our" and `us" refer only to the Processor and not to the Bank We offer electronic interfaces to EBT networks for the processing, settlement and switching of EBT transactions initiated through the use of a state -issued EBT card ('EBT Card') at your POS Terminal(s) for the provision of United States Department of Agriculture, Food and Nutrition Service ("FNS"), Supplemental Nutrition Assistance Program ("SNAP') and Women. Infants and Children Benefits ("WIC Benefits') and/or government delivered Cash Benefits (Cash Benefits, together with FNS SNAP and WIC Benefits, collectively are referred to as the "EBT benefits") to EBT benefit recipients (`EBT customers"), subject to the terms below 36.1. Acceptance of EBT Benefits. You agree to accept EBT Cards and provide EBT benefits to EBT customers through the use of a POS Terminals, PIN pad and printer or other equipment that meet standards as set- forth in the EBT Rules ("Authorized Terminal") applicable to such EBT benefits during your normal business hours, in a manner consistent with your normal business practices and in accordance with the EBT Rules You will provide EBT benefits to EBT customers, in accordance with the procedures set forth in the EBT Rules, in the amount authorized through your Authorized Terminal upon presentation by an EBT customer of an EBT Card and such EBT customer's entry of a valid PIN The "EBT Rules" means (i) all procedures that we establish and provide to you from time -to -time regarding your acceptance of EBT Cards and provision of EBT benefits to EBT customers. (ii) the Quest Rules as amended from time -to -time issued by the National Automated Clearing House Association and as approved by the Financial Management Service of the U S Treasury Department, as necessary (and any rules that succeed or replace the Quest Rules). and (iii) other such laws. rules, regulations and procedures that are applicable to the acceptance of EBT Cards and the provision of EBT benefits by you under this Section 30, including without limitation. laws pertaining to delivery of services to EBT customers and EBT customer confidentiality, the federal Civil Rights Act of 1964 Rehabilitation Act of 1973, Americans with Disabilities Act of 1990. Clean Air Act, Clean A TRUE COPY CERTIFICATION ON LAS Uk Water Act, Energy Policy and Conservation ��}}qqb Itnmipr$�popp, (� an tr Act of 1986, regulations issued by the DepartmiliAt bf Agri�aIL raining to Food Stamp Program, and, any additional procedures specified by the state regarding lost EBT Cards, forgotten PINs, discrepancies in benefits authorized and similar matters by providing EBT customers with information such as telephone numbers and addresses of the state or other appropriate agencies. The "Food Stamp Program" is the government benefits program operated under the authority of the Food Stamp Act of 1964 If the Authorized Terminal fails to print EBT benefit issuance information as approved and validated as a legitimate transaction, you will comply with the procedures set forth in the EBT Rules for authorization of EBT benefits in such instance You are solely responsible for your provision of EBT benefits other than in accordance with authorizations timely received from EBT service provider. You will not resubmit any EBT Card transaction except as specifically permitted by the EBT Rules and procedures applicable to such EBT Card transaction. You must provide a receipt for each EBT transaction to the applicable EBT customer You will not accept any EBT Card for any purpose other than providing EBT Benefits, including without limitation accepting an EBT Card as security for repayment of any EBT customer obligation to you In the event of any violation of this provision, you will be obligated to reimburse the state or us for any EBT benefits unlawfully received by either you or an EBT customer to the extent permitted by law Cash should never be dispensed for FNS. SNAP and WIC Benefits. 36.2. Manual EBT Vouchers. In accordance with the procedures set forth in this Section 30 and the EBT Rules. you will manually accept EBT Cards during periods of time when your Authorized Terminal is not working or the EBT system in not available; you will manually provide EBT benefits in the amount authorized through the applicable EBT service provider to the EBT customers at no cost to the EBT customers upon presentation by an EBT customer of his/ her EBT Card All manual voucher authorizations must be cleared on your POS terminal for payment of voucher to be made to you In addition to any procedures set forth in the EBT Rules the following limitations will apply to manual issuance of FS Benefits by merchant L An authorization number for the amount of the purchase must be received by you from the applicable EBT service provider while the respective EBT customer is present and before you provide such EBT customer with any FNS, SNAP and WIC Benefits, or Cash Benefits, as applicable. You must not attempt to voice authorize a manual EBT transaction if the EBT customer is not present to sign the voucher. The EBT customer must sign the voucher A copy of the voucher should be given to the EBT customer at the time of authorization and you should retain one copy for your records ii. Specified EBT customer, clerk and sales information, including the telephone authorization number, must be entered properly and legibly on the manual sales draft iii. All manual voucher authorizations must be cleared on your Authorized Terminal before payment of voucher will be made to you Vouchers must be cleared within 10 Business Days after the date of applicable voice authorization Vouchers cannot be cleared by any manner except by your Authorized Terminal therefore you should never mail vouchers requesting payment. If a voucher expires before it has been cleared by your Authorized Terminal for payment, no further action can be taken to obtain payment for the voucher iv. In the event that, due to EBT host failure. EBT benefit availability for an EBT customer cannot be determined at the time you request authorization, the maximum authorized manual transaction and benefit encumbrance will be $40 00 or such other state specific floor limit as set forth in the most current version of the applicable EBT Rules. v. Except as specifically provided in the applicable EBT Rules you will not be reimbursed and will be solely responsible for a manual transaction when you fail to obtain an authorization number from the applicable EBT service provider as set forth in this Section 36 or otherwise fail to process the manual transaction in accordance with the EBT Rules vi. If you have not received an authorization number in accordance with paragraph 36 1 above, you may not "re -submit" a manual sales draft for payment for the same transaction 36.3. Acceptance of Cash Benefits. If you agree to accept EBT Cards and to provide Cash Benefits, you agree to maintain adequate cash on hand to issue EBT service provider authorized Cash Benefits and will issue such Cash Benefits to EBT customers in the same manner and to the same extent cash is provided to your other customers You may not require, and may not in your advertising suggest that any EBT customers must purchase goods or services from you as a condition to receiving Cash Benefits, unless such condition applies to other customers as well You may not designate and direct EBT customers to special checkout lanes restricted to use by EBT customers unless you also designate and direct other customers to special checkout lanes for Debit Cards or Credit Cards and/or other payment methods such as checks other than cash 36.4. Interoperability. If you accept EBT Cards and provide EBT benefits (FNS. SNAP and WIC Benefits and/or Cash Benefits), you must do so for EBT customers from all states. 36.5. Required Licenses. If you provide FNS, SNAP and WIC Benefits under this Agreement. you represent and warrant to us that you are a FNS authorized merchant and are not currently disqualified or withdrawn from redeeming food stamp coupons or otherwise disqualified or withdrawn by FNS You agree to secure and maintain at your own expense all necessary licenses, permits, franchises, or other authorities required to lawfully effect the issuance and distribution of EBT benefits under this Agreement, including without limitation, any applicable franchise tax certificate and non-governmental contractor's certificate, and covenant that you will not accept EBT Cards or provide EBT CardCo2305 26