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DON'TS • don't process a credit card transaction in order to provide a refund on a debit card transaction. • don't complete a debit card transaction without: —entry of the PIN by the cardholder (and no one else); or —signature by the cardholder (and no one else) Unless the transaction is a "no -signature" debit transaction or a "PINless" PIN debit transaction specifically supported by the debit network. • don't accept the PIN from the cardholder verbally or in written form. • don't manually enter the account number for PIN debit transactions. Signature debit transactions may be key entered if you are unable to swipe the card. The debit network used to process your debit transaction will depend upon, among other things, our own business considerations, the availability of the debit network at the time of the transaction, and whether a particular debit card is enabled for a particular debit network. The debit network used to route your transaction may or may not be the lowest cost network available. We may in our sole discretion: • use any debit network available to us for a given transaction (including any of our affiliated PIN debit networks); and • add or remove debit networks available to you based on a variety of factors including availability, features, functionality and our own business considerations. YOU ARE RESPONSIBLE FOR SECURING YOUR POS DEVICES AND FOR IMPLE -MENTING APPROPRIATE CONTROLS TO PREVENT EMPLOYEES OR OTHERS FROM SUBMITTING CREDITS AND VOIDS THAT DO NOT REFLECT BONA FIDE RETURNS OR REIMBURSEMENTS OF PRIOR TRANSACTIONS. 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. You must reconcile your accounts for each location daily and notify us within 24 hours of any issues. 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" 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. An adjustment may be initiated for many reasons, including: • 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; or • a cardholder is disputing the goods or services provided. All parties involved in processing adjustments and chargebacks are regulated by timeframes that are specified in the operating rules of the applicable debit network, the Electronic Funds Transfer Act, Regulation E, and other applicable law. We offer electronic interfaces to Electronic Benefit Transfer (EBT) networks for the processing, settlement and switching of EBT transactions initiated through the use of a state -issued EBT card at your point of sale terminal(s) so that EBT recipients may receive EBT benefits. EBT benefits may comprise: • United States Department of Agriculture, Food and Nutrition Service (FNS), • Supplemental Nutrition Assistance Program (SNAP), • Women, Infants and Children Benefits (WIC Benefits), or • Government delivered cash If you accept EBT transactions or provide EBT benefits: DO'S • do provide EBT benefits to EBT recipients in accordance with applicable law and the procedures set out in the Quest rules,. in the amount authorized through your terminal, upon presentation by an EBT recipient of an EBT card and such EBT recipient's entry of a valid PIN • do use POS Terminals, PIN pad and printer or other equipment that meet required standards (including those set out in the Quest rules) during your normal business hours and in a manner consistent with your normal business practices. • do comply with the procedures set out in the Quest rules for authorization of EBT benefits if your terminal fails to print EBT benefit issuance information as approved and validated as a legitimate transaction. • do provide a receipt for each EBT transaction to the applicable EBT recipient. • do provide EBT benefits for EBT recipients from all states. CardCo2305 A TRUE COPY 'CERTIFICATION ON LAST PAGE • do notify us promptly if you plan to stop �C'cLpQ eBT`defd5`& c1 providing EBT benefits or if you are unable to comply with this section or the Quest rules. • do adequately display any applicable state's service marks or other licensed marks, including the Quest marks, and other materials supplied by us in accordance with the standards set by the applicable state. • do use any marks only to indicate that EBT benefits are issued at your location(s). • do maintain adequate cash on hand to issue EBT service provider authorized cash benefits. • do issue cash benefits to EBT recipients in the same manner and to the same extent cash is provided to your other customers. DON'TS • don't accept EBT cards or provide EBT benefits at any time other than in compliance with this section or the Quest rules. • don't designate and direct EBT recipients to special checkout lanes restricted to use by EBT recipients unless you also designate and direct other customers to special checkout lanes for debit cards, credit cards or other payment methods such as checks other than cash. • don't resubmit any EBT card transaction except as specifically permitted by the applicable Quest rules and procedures. • don't accept any EBT card for any purpose other than providing EBT benefits, including accepting an EBT card as security for repayment of any EBT recipient obligation to you. If you violate this requirement, you will be obligated to reimburse the state or us for any EBT benefits unlawfully received by either you or an EBT recipient to the extent permitted by law. • don't dispense cash for FNS, SNAP and WIC Benefits. • don't disclose individually identifiable information relating to an EBT recipient or applicant for EBT benefits without prior written approval of the applicable state. • don't use the marks of any EBT service provider without prior written approval from such EBT service provider. • don't indicate that we, any state, or its EBT service provider endorse your goods or services. • don't require, or in your advertising suggest, that any EBT recipient must purchase goods or services from you as a condition to receiving cash benefits, unless such condition applies to other customers as well. You must take sole responsibility for the provision of any EBT benefits other than in accordance with authorizations received from the EBT service provider. If an authorized terminal is not working or the EBT system is not available: DO'S • do manually accept EBT cards and manually provide EBT benefits in the amount authorized through the applicable EBT service provider to the EBT recipients at no cost to the EBT recipients upon presentation by an EBT recipient of their EBT card. • do obtain an authorization number for the amount of the purchase from the applicable EBT service provider while the respective EBT recipient is present and before you provide the EBT recipient with any FNS, SNAP and WIC benefits, or cash benefits, as applicable. • do properly and legibly enter the specified EBT recipient, clerk and sales information, including the telephone authorization number, on the manual sales draft. • do clear all manual vouchers authorizations on your point of sale terminal within 14 days after the date of applicable voice authorization. If a voucher expires before it has been cleared by your terminal for payment, no further action can be taken to obtain payment for the voucher. DON'TS • don't attempt to voice authorize a manual EBT transaction if the EBT recipient is not present to sign the voucher. The EBT recipient must sign the voucher. You must give a copy of the voucher to the EBT recipient at the time of authorization and retain one copy for your records. • don't re -submit a manual sales draft for payment for a transaction if you have not received an authorization number. • don't mail vouchers requesting payment. You must take sole responsibility for (and you will not be reimbursed in respect of) a manual transaction if you fail to obtain an authorization number from the applicable EBT service provider in accordance with this section or otherwise fail to process the manual transaction in accordance with the Quest rules, except as specifically provided in the Quest rules.