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DO'S • do execute two separate sales drafts and obtain an authorization for each sales draft on each transaction date; • do indicate on each sales draft: – whether it is for the deposit or the balance of payment; and - the authorization date and approval code. • do submit and seek authorization of each delayed delivery transaction under the same merchant identification number and treat deposits on the card no differently than you treat deposits on all other payment products. • do complete Address Verification for each "balance" authorization. • do obtain proof of delivery upon delivery of the services/merchandise purchased. DON'TS • don't submit sales data to us relating to the "balance" until the goods have been completely delivered or the services fully provided. If delivery occurs after the timeframes set out in section 19, you must obtain a new authorization for the unprocessed portion of the transaction prior to delivery. If the transaction is declined, contact the cardholder and request another form of payment. For example: On January 1, a cardholder orders $2,200 worth of furniture and you receive an authorization for the full amount; however, only a $200 deposit is processed leaving a $2,000 balance remaining on the furniture. An authorization reversal must be processed for$2,000. When the goods are available to ship, the $2,000 transaction balance must be reauthorized. Advance payment charges If you permit or require cardholders to make advance payment charges for the following types of goods or services, please follow the procedures set out in this section: • custom orders (for example, orders for goods to be manufactured to a customer's specifications); • ticketing for events or entertainment (for example, sporting events, or concerts);. • tuition, room, board, and other mandatory fees (for example, library or other students services fees at universities); • tickets for airlines, rail lines, cruise lines, lodging, and other travel -related services (for example, tours or guided expeditions); and • vehicle rentals; or • in store merchandise not immediately available (for example, merchandise pre - purchased for an upcoming sale event or merchandise on layaway) For all advance payment transactions: • do state your full cancellation and refund policies; • do clearly disclose your intention to receive advance payment; • before you request an authorization, do obtain written consent from the cardholder to bill the card for an advance payment charge; The cardholder's consent must include (1) a detailed description of the goods or services to be provided, and (2) his or her agreement to all of the terms of the sale (including price, any cancellation or refund policies), and the expected delivery date of the goods or services; • do obtain an authorization approval; • do complete a sales draft: and • if you cannot deliver the goods or services (for example, because custom -ordered merchandise cannot be fulfilled) and cannot make other arrangements, do immediately issue a credit for the full amount of the advance payment charge. For Card Not Present transactions involving an advance payment: • do ensure that the sales draft contains the words "Advance Payment,"; and • within 24 hours of the advance charge being authorized, do provide the cardholder with written confirmation (for example, by email or facsimile) that advance payment charge has been made, the written confirmation must include (1) a detailed description of the goods or services to be provided; (2) the amount of the charge; (3) the confirmation number (if applicable); (4) the details of any cancellation or refund policies; and (5) the expected delivery date of the goods or services. Recurring transactions If you process recurring transactions and charge a cardholder's account periodically for recurring goods or services (for example, yearly subscriptions and annual membership fees, etc.), please follow the procedures set out in this section. DO'S • do obtain cardholder approval for such goods or services to be charged on an ongoing basis to the cardholder's account. Approval must at least specify: – the cardholder's name, address, account number and expiration date, – the transaction amounts, – the timing or frequency of recurring charges, – the duration of time for which the cardholder's approval is granted, and for Discover Network and PayPal transactions, the total amount of recurring charges to be billed to the cardholder's account, (including taxes and tips) and your merchant identification number, • do obtain an authorization for each transaction. • do include the recurring payment indicator in each authorization request, and as applicable, each batch submission entry. • do indicate on the sales draft "Recurring Transaction" (or "P.O." for Mastercard transactions) • for Discover Network and PayPal recurring transactions, do include a toll-free customer service number that the cardholder can call to cancel his/her approval for the recurring transaction or to obtain other assistance relating to the recurring transaction. • don't store a payment credential if either the first payment transaction or account verification is declined. DON'TS • don't include partial payments for goods or services purchased in a single transaction. • don't impose a finance charge in connection with the recurring transaction or preauthorized order. • don't complete a recurring transaction after receiving a cancellation notice from the cardholder or card issuing bank or after a request for authorization has been denied. It is highly recommended that you obtain the three digit card verification code on the back of the card (or the four digit verification code on the front of American Express cards), include the number with the first authorization request. This is not required for subsequent authorization requests. A positive authorization response for one recurring transaction is not a guarantee that any future recurring transaction authorization request will be approved or paid. If the recurring transaction is renewed, you must obtain from the cardholder a new written request for the continuation of such goods or services to be charged to the cardholder's account. If you or we have terminated your right to accept cards, you must not submit authorization requests or sales data for recurring transactions that are due after the date of such termination. For American Express transactions please also see Appendix 2. Stored payment credential transactions If you store information (including, but not limited to, an account number or payment token) to process future purchases on behalf of the cardholder, follow the procedures set out in this section. DO'S • do include the appropriate data values: – when a payment credential is being stored for the first time, – is used to initiate a stored credential transaction, – or is used to identify an unscheduled credentials on file transaction. • do submit a valid authorization if an amount is due at the time the payment credential is being stored. • do submit an authorization verification if no payment is due at the time the payment credential is being stored. DON'TS • don't store a payment credential if either the first payment transaction or account verification is declined. Card checks If you accept card checks, you must treat checks from all the payment organizations that you accept equally (for example, if you accept Mastercard and American Express, your check acceptance policy must treat checks for both of these payment organizations equally). You should handle these card checks like any other personal check drawn upon a bank in the United States. 11. Sales Drafts DO'S • do prepare a sales draft for each transaction and provide a copy of the sales draft or transaction receipt to the cardholder at the time the card transaction is completed. An exception is eligible transactions participating in any of the 'No Signature Required' programs. • do only collect transaction data provided directly to you by the cardholder. • do include all of the following information on a single page document constituting the sales draft: – the cardholder's account number; – cardholder's signature, unless you participate in any of the 'No Signature Required' programs. Note: For the No Signature Required Programs, Visa, Mastercard, Discover, and American Express do not require you to obtain signatures at the point-of-sale for credit and/or debit transactions unless required by local and/or state law; – date of the transaction; – the total amount of the transaction, including any taxes to be collected, in the approved currency of the sale; – description of the goods or services involved in the transaction—if there are too many items, combine them into one description; (for example, "clothing") to ensure that all information is contained on a single page; 109