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1.12. Custi "" -` '� ' -',�and Self-ServiceTerminals. Prior to conducting Telecommunication transactions you must contact us
<br /> Prior to con 6.1.D. - Page 20 �d Terminal("CAT")transactions or for approval and further instructions,rules and requirements.Failure to do
<br /> Self-Service lermfnal transactfons you must contact us for approval and so could result in additional charges or termination of your Merchant
<br /> further instructions,rules and requirements that apply to CAT and Self- Agreement.
<br /> ServiceTerminal transactions.Failure to do so could result in additional
<br /> charges or termination of your Merchant Agreement.
<br /> 1.13. Displays and Advertising. You must prominently display appro- If the appearance of the Card being presented or the behavior of the
<br /> priate Visa,MasterCard,Discover and,if applicable,other Association person presenting the Card is suspicious in nature,you must immediately
<br /> decals and program marks at each of your locations,in catalogs,on call the Voice Authorization Center and ask to speak to a Code 10 operator.
<br /> websites and on other promotional materials as required by Association Answer all their questions and follow their instructions.While not proof
<br /> Rules.You may not indicate that Visa,MasterCard,Discover or any other that a transaction is fraudulent,the following are some suggestions to
<br /> Association endorses your goods or services.Your right to use the program assist you in preventing fraudulent transactions that could result in a
<br /> marks of either MasterCard,Visa or Discover terminates upon the earlier of Chargeback:
<br /> (i)if and when your right to accept the Cards of the respective Association Ask yourself,does the Customer:
<br /> terminates(e.g.,if your right to accept Discover Cards terminates,your are
<br /> no longer permitted to use Discover program marks),(ii)delivery of notice ' appear nervous/agitated/hurried?
<br /> by us or the respective Association to you of the termination of the right • appear to be making indiscriminate purchases(e.g.,does not care how
<br /> to use the program mark(s)for that Association,or(iii)termination of the much an item costs,the size,etc.)?
<br /> license to use the program marks by the respective Association to us. . make purchases substantially greater than your usual customer(e.g.,
<br /> 1.13.1. Discover Sublicense to Use Discover Program Marks.You your average transaction is$60,but this transaction is for$360)?
<br /> are prohibited from using the Discover Program Marks,as defined below, . insist on taking the merchandise immediately(e.g.,no matter how
<br /> other than as expressly authorized in writing by us."Discover Program difficult it is to handle,is not interested in free delivery,alterations,etc.)?
<br /> Marks"means the brands,emblems,trademarks and/or logos that identify
<br /> Discover Cards.Additionally,you shall not use the Discover Program • appear to be purchasing an unusual amount of expensive items?
<br /> Marks other than as a part of the display of decals,signage,advertising • take an unusual amount of time to sign the Sales Draft,or look at the
<br /> and other forms depicting the Discover Program Marks that are provided back of the Card as he signs?
<br /> to you by us or otherwise approved in advance in writing by us. . talk fast or carry on a conversation to distract you from checking the
<br /> You may use the Discover Program Marks only to promote the services signature?
<br /> covered by the Discover Program Marks by using them on decals,indoor . take the Card from a pocket instead of a wallet?
<br /> and outdoor signs,advertising materials and marketing materials;provided
<br /> that all such uses by you must be approved in advance by us in writing. • repeatedly come back,in a short amount of time,to make additional
<br /> purchases?
<br /> You shall not use the Discover Program Marks in such a way that customers
<br /> could believe that the products or services offered by you are sponsored • cause an unusual,sudden increase in the number and average sales
<br /> or guaranteed by the owners of the Discover Program Marks.You recognize transactions over a one-to three-day period?
<br /> that you have no ownership rights in the Discover Program Marks.You shall • tell you he has been having some problems with his Card Issuer and
<br /> not assign to any third party any of the rights to use the Program Marks. request that you call a number(that he provides)for a"special"
<br /> 1.14. Cash Payments by and Cash Disbursements to Cardholders. handling or Authorization?
<br /> You must not accept any direct payments from Cardholders for charges of Does the Card:
<br /> merchandise or services which have been included on a Sales Draft;it is , have characters the same size,height,style and all within alignment?
<br /> the right of the Card Issuer to receive such payments.You may not make
<br /> any cash disbursements or cash advances to a Cardholder as part of a Card • appear to be re-embossed(the original numbers or letters may be
<br /> transaction unless you are a financial institution with express authorization detected on the back of the Card)?
<br /> except to the extent expressly authorized in writing in advance by Services . have a damaged hologram?
<br /> and the Agreement.
<br /> • have a Magnetic Stripe on the back on the Card?
<br /> 1.15. Discover Cash Over Transactions. Cash Over transactions are not
<br /> available for MasterCard or Visa transactions.You may issue Cash Over in • have an altered signature panel(e.g.,appear discolored,glued or
<br /> connection with a Discover Card sale provided that you comply with the painted,or show erasure marks on the surface)?
<br /> provisions of this Program Guide including the following requirements: • have"valid from"(effective)and"valid thru"(expiration)dates
<br /> • You must deliver to us a single authorization request for the aggregate consistent with the sale date?
<br /> total of the goods/services purchase amount and the Cash Over If you use an electronic terminal and swipe the Card,make sure the
<br /> amount of the Card sale.You may not submit separate authorization account number displayed on the terminal and/or the Sales Draft matches
<br /> requests for the purchase amount and the Cash Over amount. the number on the Card.If you cannot or do not verify the account
<br /> • The Sales Draft must include both the purchase amount and the Cash number and accept the sale,you are subject to a Chargeback and could
<br /> Over amount,and you may not use separate Sales Drafts for the be debited for the amount of the transaction.IF THE NUMBERS DO NOT
<br /> purchase amount and Cash Over amount. MATCH,DO NOT ACCEPTTHE CARD AS A FORM OF PAYMENT,EVEN
<br /> THOUGH AN AUTHORIZATION CODE FORTHE MAGNETICALLY SWIPED
<br /> • No minimum purchase is required for you to offer Cash Over to a CARD NUMBER MAY BE RECEIVED.
<br /> Discover Cardholder,provided that some portion of the total Card sale
<br /> must be attributable to the purchase of goods or services. Fraud-Prone Merchandise Tips:
<br /> • The maximum amount of cash that you may issue as Cash Over • Jewelry,video,stereo,computer and camera equipment,shoes and
<br /> is$100.00. men's clothing are typically fraud-prone because they can easily
<br /> be resold.
<br /> (Cash Over may not be available in certain markets.Contact us for
<br /> further information.) • Be suspicious of high dollar amounts and transactions with more than
<br /> one fraud-prone item,e.g.,two VCRs,three gold chains,etc.
<br /> 1.16. Telecommunication Transactions. Telecommunication Card Sales
<br /> occur when a telephone service provider is paid directly using a Card for �f you suspect fraud:
<br /> individual local or long-distance telephone calls.(NOTE:pre-paid telephone • Call the Voice Authorization Center and ask to speak to a Code 10
<br /> service cards are not and do not give rise toTelecommunication Card Sales). operator.
<br /> WFB1301 6
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