Agmt11 EPX-Electronic Payment Exchange

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9. Collection and Usc of Transaction Infortnation 9.1. Documentine Transactions. Merchant or EPX on its bchalf shall submit the following informaqon to Bank in connection with Transaction proccssing: i. The DBA name of Merchant, name of Merchant and Merchant's address; ii. Merchant customcr service telephone number, iii. Merchant Internet address; iv. Merchant Number assigned by Bank; v. The Card account number, validation date and/or expuation date of the Card, if one appears on the Cazd; vi. Namc, address and telephone number of Cazdholder; aud vii. Such additional infortnation as may be required by Bank, EPX and/or the Associations, from time to time. Mcrchant or EPX on its behalf shall not submit a Transaction to Bank (electronically or otherwise) until Merchant has performed its obligatioas to the Cazdholder in wnnection with the Transaction or obtained Cardholder's consen[ for a Pre-Authorized Recurring Order Transaction. Merchant must not initiate a Transaction to Bank that Mcrchant knows to be fraudulent or not authorized by the Cardholder. Merchant is responsible for its employees' actions. Merchant may transmit a Trensaction which effecu a prepayment of services or full prepayment of custom-ordered merchandise, manufactured to a Cardl�older s speciGcations, if Merchant advises Cardholder of the immediate billing at the time oFthe Transaction and within time limiu established by the Associations. 9.2. Authorization for Transactions Merchant or EPX on MerohanYs behalf shall obtain Authorization of Transactions as follows: i. Electronically Transmitted Transaction. Merchant or EPX on its behalf shall submit each Transaction for Authorization to the EPX System. The EPX System shall rcspond with the Issuer's authorize or decline to a Transaction uansmitted for Authorization and shall capturc and process for Merchant the informadon relating to the Transaction. ii. Card-Present Transactions. The following additional rcquircment applies ro Card-Present Transactions: If a terminal or softwaze application is inoperable at the time of an Authorization request, the Transaction may be manually authorized. In that case, the Transaction shall be entered as a Forced Sale, provided the approval number is also entered, and Merchant shall be subject to an addiuonal I VR authorizadon fee as outlined in Schedulc B. iii. Card-No[-Presen[ Transactions. i'he following additional requirements apply [o Card-Not-Presen[ Transactions: I. All Card-No[-Present Transactions aze at Merchant's risk. As ro each, Card-Not-Present Transactions Merchant wanants ro Bank that the person whose name is submitted to Bank as Cazdholder either made or authorized another to make the purchase. Upon breach of this warranty, Bank may charge back the Transaction to Merchant. lf Bank chazges back the Transaction to Merchant, Merchant shall pay Bazilc the amount of the Transaction, any Chargeback fee in Schedule B, plus any Association fine or assessment Bank may charge the Trarisaction to the Operating Account or Reserve Account without prior notice W Merchant; 2. All Card-Not-Present Transactions must be elecwnically authorized and, in addition [o the information required in Paragraph 9.1 (Dceumenting TransacNons), also shall indicate: an authorizstion code, if required; customer address and address verification; and in lieu of Cardholder's signature, a notation of (a) mail order, (b) telephone order, (c) e-commexce order, or (d) pre-authorized order, on the signatwe line; 3. If Merchant accepts a Pre-Authoriud Recumng Order Transacuon, the Cazdholder shall execute and deliver to Merchant a written request for this pre-authorizadon. This written request shall be maintained by Merchant and made available upon rcquest to Bank. All Initi:�(s �� P;v�tc, i i.>f 19