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5.2. Auth- '--"- '-� ' ' - 'Dther than Terminal/Electronic If you use a third party authorization network,you must also comply with Device Use 6.1.D. - Page 24 Section 4.7. • Call your designated voice authorization toll free number and enter Call the following for other Card types: the authorization information into the VRU using a touch tone phone American Express ESA 1-800-528-2121 or hold for an authorization representative. JCB,International 1-800-522-8788 • If advised to pick up a Card,use reasonable and peaceful means to do TeleCheck 1-800-366-5010 so,and do not take any action that will alarm or embarrass the Card Voyager 1-800-987-6589 presenter.You will bear all responsibility for claims,liabilities,costs and Available 24 hours/day;7 days/week expenses as a result of any action by you,your employees,vendors or agents,that attempt to retain a Card without the Issuer's direct request All approved sales authorized in this manner must be entered manually as or failure to use reasonable,lawful means in retaining or attempting to '"post authorization"transactions into the terminal,once the terminal retain the Card.Forward the Card to:Attn:Rewards Department, becomes operational.All credit transactions must be entered into the P.O.Box 5019,Hagerstown,MD 21740.You may be paid a reward for terminal for data capture.You may be subject to a Chargeback if you the return of the Card. receive a Referral and subsequently receive an approval.To reduce the risk of such a Chargeback,the Card should be imprinted using a manual • On occasion,the Authorization Center will ask you to obtain Imprinter machine.(For specific procedures on Electronic Data Capture, identification from the Cardholder before issuing an approval code. refer to the Terminal Operating Instructions/Users Guide.)If the terminal If you are instructed to do so,clearly write the appropriate identifi- malfunctions for more than twenty-four(24)hours,contact Customer cation source and numbers in the space provided on the Sales Draft Service for further instructions on processing your transactions. unless otherwise prohibited by law. 5.5. Automated Dispensing Machines. Records must be produced for • If the sale is declined,please remember that our operators are only all transactions whose origin and data capture use automated dispensing relaying a message from the Card Issuer.The fact that a sale has been machines or Limited AmountTerminals.Records should include the declined should not be interpreted as a reflection of the Cardholder's Cardholder account number,merchant's name,terminal location, creditworthiness.The Cardholder should be instructed to call the transaction date and amount. Card Issuer. 5.3. Authorization via Electronic Devices. 5.6. Pre-Authorization for T&E(Travel&Entertainment)and Restaurant Merchants.If you are a business engaged in providing travel • If you use an electronic terminal to obtain Authorization Approval Code, and/or entertainment services(e.g.,car rentals,hotels,motels,etc.)or a all sales should be authorized through this equipment.Authorizations restaurant business,and engage in the practice of"pre-authorization:' through other methods will result in additional charges to you. You must comply with the following general procedures: • If your terminal malfunctions,refer to your Quick Reference Guide, • A hotel,motel,or car rental merchant may obtain an estimated Visa, if necessary,or call the POS Help Desk.The problem will either be cor- MasterCard or Discover Authorization at the time of check-in. rected promptly or may require terminal programming or replacement. During the period in which your terminal is not functioning,remember Restaurants must not add an estimated tip amount to the authorization to check it periodically since most terminal problems are temporary in request beyond the value of the goods provided,or services rendered, nature and are quickly corrected. plus any applicable tax. • If a terminal is moved or if wires are disconnected,causing malfunction, ' You must notify the Cardholder of the dollar amount you intend to call the POS Help Desk immediately and follow their instructions.You '�Pre-Authorize:' may be responsible for any service charges incurred for reactivation of • If the customer decides to use another form of payment(e.g.,cash, the terminal. check,etc.)you must promptly call the Voice Authorization Response • Until the terminal becomes operable,you must call your designated Unit to delete the authorization hold.Provide the Cardholder's account voice authorization toll free number and enter authorization number,original dollar amount and date of the transaction,and the information into the VRU using a touchtone phone.During this time, authorization code.If a new transaction takes place,a new imprinted each transaction must be imprinted using a manual Imprinter machine. and signed Sales Draft for the exact amount and a new authorization Failure to obtain an Authorization Approval Code and to imprint these code for that amount must be obtained. transactions could result in a chargeback to your account. • VEHICLE RENTAL PROVIDERS MAY NOT INCLUDE POTENTIAL 5.4. Third Party Authorization System. If you have contracted with VEHICLE DAMAGE OR INSURANCE DEDUCTIBLES IN ANY another authorization network to obtain Credit Card authorization,i.e., PREAUTHORIZATIONS. your terminal can Split Dial,liability resulting from discrepancies with that • If you receive a decline on a transaction,you must wait twenty four network must be resolved between you and that network. (24)hours before attempting to reauthorize.If you reauthorize prior to We will not research Chargebacks resulting from Authorization Approval this time frame and receive an approval,you may be subject to a Codes obtained from another authorization service organization.Such chargeback and a fine imposed by the Associations. Chargebacks will be passed through to you for resolution.If an authori- • If the final amount charged to the Cardholder exceeds the original zation provided by a third party authorization system is challenged in a estimate by more than 15%above the preauthorization,you must Chargeback,you must obtain proof(e.g.,third party authorization logs) authorize any additional amounts,and all incremental authorization from the authorization source and submit it to us within the time frame codes must be written in the authorization area along with the date of specified on the Chargeback documentation received. authorization and the amount authorized. IF YOU CONTRACTED TO USE ONE OF OUR AUTHORIZATION SERVICES, • Pre-Authorization for certain establishments,are allowed up to a 20% DO NOT USE ANOTHERTHIRD PARTY SYSTEM WITHOUT NOTIFYING (instead of 15%)variance above the amount authorized.If the final CUSTOMER SERVICE.OTHERWISE,WE WILL BE UNABLETO SUCCESSFULLY amount exceeds the amount"preauthorized"by more than 20%,you RESEARCH AND DEFEND ANY AUTHORIZATION RELATED CHARGEBACKS must authorize the additional amount.Estimating the Authorization ON YOUR BEHALF.THIS DELAY WILL SIGNIFICANTLY DECREASE YOURTIME amount to include a tip is prohibited.The authorization request TO RESEARCH AND PROVIDE PROOF OF AUTHORIZATION,THUS REDUCING should include only the amount associated with the bill presented to YOUR OPPORTUNITYTO REVERSE A CHARGEBACK. the consumer. If you utilize another authorization network,you will be responsible for • You should obtain an Authorization for the initial estimated charges the downgrade of any transactions to a higher cost interchange that and then monitor the charges to ensure that the actual charges made result from a mismatch of information to our systems and those of third do not exceed the estimated charges.If the actual charges exceed the party authorization networks(see Section 18.1). amount of the initial estimated authorization(and any subsequent WFB1301 7 0