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• the cardholder's reference that charges were placed on the card, if applicable, or a guarantee that a "no-show" charge will not be placed on the card; • the cardholder's name as it appears on the card, if present; • the card number, truncated as required by applicable law to you or us; • the card expiration date, if present, unless prohibited by applicable law to you or us; • the reservation cancellation number; • the date of cancellation; • the name of your employee that processed the cancellation; and • any other pertinent information related to the reserved accommodations. Preauthorization for Travel & Entertainment (T&E) and restaurant merchants If you are a business engaged in providing travel and entertainment services (for example, car rentals, hotels, motels, etc.) or a restaurant business, and engage in the practice of "pre -authorization" you must comply with the following general procedures: • a hotel, motel, or car rental merchant may obtain an estimated authorization at the time of check-in. • restaurants must not add an estimated tip amount to the authorization request beyond the value of the goods provided, or services rendered, plus any applicable tax. • you must notify the cardholder of the dollar amount you intend to "Pre -Authorize". • if the customer decides to use another form of payment (for example, cash, check, etc.) you must promptly call the Voice authorization Response Unit to delete the authorization hold. Provide the cardholder's account number, original dollar amount and date of the transaction, and the authorization code. If a new transaction takes place, a new imprinted and signed sales draft for the exact amount and a new authorization code for that amount must be obtained. • VEHICLE RENTAL PROVIDERS MAY NOT INCLUDE POTENTIAL VEHICLE DAMAGE OR INSURANCE DEDUCTIBLES IN ANY PREAUTHORIZATIONS. • if you receive a decline on a transaction, you must wait 24 hours before attempting to reauthorize. If you reauthorize prior to this time frame and receive an approval, you may be subject to a chargeback and a fine imposed by the payments organizations. • hotels, motels, and car rental merchants are allowed up to a 15% variance above the amount authorized. If the final amount charged to the cardholder exceeds the original estimate by more than 15% above the preauthorization, you must authorize any additional amounts, and all incremental authorization codes must be written in the authorization area along with the date of authorization and the amount authorized. • pre -authorization for certain establishments services, are allowed up to a 20% (instead of 15%) variance above the amount authorized. If the final amount exceeds the amount "preauthorized" by more than 20%, you must authorize the additional amount. Estimating the authorization amount to include a tip is prohibited. The authorization request must include only the amount associated with the bill presented to your customer. • you must obtain an authorization for the initial estimated charges and then monitor the charges to ensure that the actual charges made do not exceed the estimated charges. If the actual charges exceed the amount of the initial estimated authorization (and any subsequent estimated authorizations), then you must secure a positive authorization for the additional amount. Subsequent authorizations must only be for the additional amount of total charges, and must not include any amounts already authorized. • the estimated amount of any pre -authorization for lodging accommodations must be based on (i) the intended length of stay; (ii) the room rate; (iii) applicable taxes and service charges; and (iv) other miscellaneous charges as dictated by experience. • if an authorization request is declined, no charges occurring after that date will be accepted for that cardholder: • you do not need to obtain a final authorization if the total sum of charges (the final amount) does not exceed 20% of the previously authorized charges. You must record the dates, authorized amounts, and their respective authorization approval codes on the sales draft(s). Merchants operating vending machines - For Mastercard, if you are operating vending machines under MCC 5499 (Miscellaneous Food Stores -Convenience Stores, Markets, Specialty Stores), you need not provide a'receipt at thetime a transaction is conducted. However, if a vending machine cannot provide a printed receipt, you must disclose and post instructions advising cardholders how a receipt may be obtained. Telecommunication service providers You must contact Customer Service for approval and further instructions, rules and requirements before conducting telecommunication transactions. Telecommunication card sales occur when a telephone service provider is paid directly using a card for individual local or long-distance telephone calls, with the exception that prepaid telephone service cards are not and do not give rise to telecommunication card sales. The petroleum industry For Visa, Mastercard, STAR, American Express, Discover, and PayPal transactions, merchants operating in the petroleum industry that conduct card sales at Automated Fuel Dispensers (AFDs), may submit an authorization request for $1 to verify the validity of the card presented. Under such circumstances, you must submit an authorization advice A TRUE COPY CERTIFICATION ON LAST PAGE J.R. SMITH CI EK message for the actual amount of the card sale within 66 menu es of completion of fuel delivery regardless of whether you previously received a partial authorization response or a positive authorization response for any other amount. If you do not complete the card sale following receipt of an approved authorization response for any amount, a request to cancel the authorization request must be submitted within 60 minutes of the completion of fuel delivery. WEX cards If you participate in the WEX Full Service program, the following terms and conditions will apply: DO'S • do provide, at your own expense, all equipment necessary to permit the electronic acceptance of the WEX cards, including the operation and maintenance of the equipment, telecommunication link, and provision of all networking services. • do include in any request for authorization the following information: —WEX cardholder account number, —vehicle number, —card expiration date, —driver identification number, —the amount of the transaction, —the date and time of the transaction, —the quantity of goods sold, unit price, and product code (the "authorization Request Data'), —an authorization number or other approval code from WEX for all manual WEX card sales (in other words, sales facilitated by a card imprinter). • do ensure that the product detail of each transaction is accurate including: —the type of goods sold, —quantity of goods sold, —unit price/price per gallon (if applicable), —taxes, and —any coupons presented. • do ensure that the product detail outlined equals the total amount of the sale when calculated (in other words, product quantity x unit price must equal the product amount. The sum of all product amounts including taxes minus any coupons must equal the total transaction amount). • do complete a WEX card sale only upon the receipt of an authorization approval message. • do provide a copy of the receipt for a WEX card sales, upon the request of the cardholder, to the extent permitted by applicable law. The receipt must not include the full account number or driver identification number. • do require the cardholder to sign a receipt when a WEX card sale is not completed by an island card reader. • do take all commercially reasonable efforts to protect manual WEX card sales data from fraud or misuse. • do securely maintain a record of all WEX card sales (including the authorization request data) for a period of one year. You must produce such records upon the reasonable request of WEX. • do notify us of any errors contained in a settlement report within 45 days of receipt of such report. We will not accept reprocessing requests for WEX transactions older than 90 days. • do allow WEX to audit records, upon reasonable advance notice, related to the WEX Full Service. • do retransmit WEX card sales data when reasonably requested to do so. DON'TS . • Don't submit a WEX card sale for processing unless a WEX card is presented at the time of the sale. • Don't accept a WEX card if an expired card / decline message is received. • Don't submit a WEX card sale for processing until the goods have been delivered or services performed. • Don't accept a WEX card if it appears to be invalid or expired or there is reasonable belief that the WEX card is counterfeit or stolen. • Don't divide the price of goods and services purchased in a single WEX card sale among two or more sales receipts. • Don't permit a WEX card sale when only partial payment is made by use of the WEX card and the balance is paid with another bank card. • Don't remove fuel tax at the point of sale is not permitted. For all payment system product codes that are taxable, the transaction dollar amount and price per gallon (PPG) must CardCo2305 16