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A. YOUR PAYMENTS ACCEPTANCE GUIDE Payment acceptance solutions are an essential part of your business, and we want to make accepting payments as simple as possible for you. This part of the Program Guide (through Appendix 5), is the Your Payments Acceptance Guide. It's your quick reference to some guidelines for initiating transactions and accepting payments. You'll also find recommendations and tips to help you prevent fraud, reduce chargebacks, and properly handle payments, refunds, exchanges, and most other situations you'll encounter in your day -to day - business. To help you navigate more easily and find the information you need when you need it, we've organized this Section into three parts. At the end of the Section, you'll also find information specific to processing WEX@, USBank@, Voyager@, American Express®, Discover® and PayPal@ cards payments. Keep in mind, though, these guidelines highlight only some of the Card Organization Rules that apply to your acceptance of payments. Please carefully read the Card Organization Rules for each Card brand you accept. If you have questions about initiating transactions, accepting payments or any of your other business services, please contact Customer Service at the number listed on your merchant services statement. Your Customer Service team is here to make things easier so let us know what we can do to help. American Express www.americanexpress.com/us /merchant Discover Financial Services www.discovernetwork.com/merchants Mastercard Worldwide www.mastercard.us/content/dam /mccom/global/documents/mastercard- rules.pdf Visa Inc. https://usa.visa.com/damfVCOM /download/about-visa/visa-rules-public. pdf PayPaITM https://www.paypal.com/us/webapps /mpp/accept-payments-online The first step of a transaction actually begins before a customer even decides to make a purchase. This part of Your Payments Acceptance Guide reviews steps you' II need to take to ensure customers are informed of their payment options and understand the terms of sale. You'll also find tips and important reminders for validating cards in order to reduce the risk of fraud. Finally, specific procedures for accepting debit and EBT payments are outlined. If you have questions about anything discussed in this guide, please contact Customer Service at the number located on your merchant services statement. Organizations ' Brands DO'S 1. Use of Payments • do prominently display relevant trademarks of the payments organizations at each of your locations, in catalogs, on websites and on other promotional material. • do only use the official trademarks of ours and of the payments organizations in the official format. DON'TS • don't indicate that we or any payments organization endorses your goods or services. • don't use the trademarks of any payments organization after: your right to accept the cards of that payment organization has ended; or that payment organization has notified you to stop using their trademarks. • don't use the trademarks of ours or of the payments organizations in any way that injures or diminishes the goodwill associated with the trademarks. • don't use our trademarks or the trademarks of the payments organizations in any manner, including in any advertisements, displays, or press releases, without our prior written consent. For special rules applying to the treatment of the American Express brand, please refer to Appendix 2. z. eoint or bale V-05) Reminders Do clearly and conspicuously: • disclose all material terms of sale prior to obtaining an authorization; • at all points of interaction inform cardholders which entity is making the sales offer, so that the cardholders can clearly distinguish you from any other party involved in the interaction; and • disclose any discounUincentive for customers to pay with cash, check, credit card or debit card and so on. Any such discount/incentive must be offered to all customers with no special treatment for any card brand or card issuing bank. CardCo2305 A TRUE COPY CERTIFICATION ON LAST PAGE J.R. SMITH rI Gov If you accept orders via the Internet, your websitemust include the following information in a prominent manner: • a complete description of the goods or services offered; • details of your (i) delivery policy; (ii) consumer data privacy policy; (iii) cancellation policy; and (iv) returns policy; • the transaction currency (US dollars, unless permission is otherwise received from Servicers); • the customer service contact, including email address and telephone number; • your address, including country; • the transaction security used on your website; • any applicable export or legal restrictions; • your identity at all points of interaction with the cardholder; and • the date on which any free trial period ends. If you limit refund/exchange terms or impose other specific conditions for card sales, you must clearly print (in 1/4" letters) the words "No Exchange, No Refund," etc. on the sales draft. During a liquidation or closure of any of your outlets, locations or businesses, you must post signs clearly visible to customers stating that "All Sales Are Final," and stamp the sales draft with a notice that "All Sales Are Final." 3. Validating the Cards Transactions where the cardholder is present -'Card Present' transactions You must check the card if the cardholder is present at the point of sale; . verify that the card is legitimate and valid; . verify that the card is not visibly altered or mutilated; • capture card data using the POS device by inserting the card (chip card), swiping the card (magnetic stripe), or tapping/waving the card (contactless). • ensure that the cardholder enters their PIN using the keypad if prompted or provides their signature unless you are participating in the No Signature Required or PINless programs; • verify the card's valid from date (if applicable) and the expiration date; • verify that the card number and expiration date on the card are the same as on the transaction receipt and the number displayed on the POS device; • verify that the name on the transaction receipt is the same as the name on the front of the card (if applicable); and • ensure that the cardholder appears to be the person shown in the photograph (for cards with a photograph of the cardholder). Transactions where the cardholder is not present -'Card Not Present' transactions This section applies to any transaction where the cardholder is not present, such as mail, telephone, Internet and E-commerce. You may only conduct Internet transactions if you have notified us in advance and received approval. DO'S • do obtain the card account number, name as it appears on the card, expiration date of the card, and the cardholder's statement address. • do use the Address Verification Service (AVS). If you do not have AVS, contact Customer Service immediately. • do clearly print the following on the sales draft, and provide a copy to the cardholder at the time of delivery: —the last four digits of the cardholder's account number; —the date of transaction; —a description of the goods and services; —the amount of the transaction (including shipping, handling, insurance, etc.); —the cardholder's name, billing address and shipping address; —the authorization code; —your name and address (city and state required). • do obtain proof of delivery of the goods or services to the address designated by the cardholder or, if the cardholder collects the goods or services in person, obtain an imprint of the card. • do notify the cardholder of delivery time frames and special handling or cancellation policies. • do ship goods within 7 days from the date on which authorization was obtained. If delays are incurred (for example, out of stock) after the order has been taken, notify the cardholder and obtain fresh authorization of the transaction.