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• Wire Tra -` " - ` =nt of settlement funds by wire disagreements or litigation involving the Card transaction.You must also transfer, 6.�.D. - Pag@ 26 ,fer of such applicable settlement keep microfilm or other copies of Sales Drafts for no less than three(3) funds to tne 5ettiement Hccount.5ettlement by wire generally occurs years from the date of the Discover transaction. by 3:00 p.m.ET on the following banking day after we process the g,2, provide Sales and Credit Drafts. You must provide all Sales and applicable Card transactions. Credit Drafts or other transaction records requested by us within the • Automated Clearing House Credit. If you receive payment of shortest time limits established by Association Rules.You are responsible settlement funds through an automated clearing house("ACH")credit, for any deficiencies in Card transaction data transmitted or otherwise we will initiate a transfer of such applicable settlement funds through delivered to us. ACH to your Settlement Account.Settlement by ACH credit generally g,3. Ensure Proper Retrieval Fulfillment. To ensure proper Retrieval will take place on the second banking day after we process the fulfillment and/or chargeback processing,Sales and Credit Drafts must applicable Card transactions. contain the full sixteen(16)digit account number(as applicable),and expiration date(as applicable).Failure to retain this information could result in a future Chargeback to your account. 8.1.Refunds. � . � - • You must promptly complete and submit a Credit Draft for the total amount of the refund which must include the following information: 10.1. Chargebacks. — The account number and expiration date; 10.1.1. Generally. Both the Cardholder and the Card Issuer have the — The Cardholder's name; right to question or dispute a transaction.If such questions or disputes are not resolved,a Chargeback may occur.A Chargeback is a Card transaction — Your name,city,state and Merchant Account Number; that is returned to us by the Card Issuer.As a result,we will debit your — A description of the goods or services; Settlement Account or settlement funds for the amount of the Chargeback. — The transaction date of the Credit; It is strongly recommended that,whenever possible,you contact the Card- holder directly to resolve a disputed transaction or Chargeback,unless the — The total amount of the Credit;and dispute involves a Discover Cardholder,in which case Discover rules and — For Discover transactions,the approved currency used and the regulations expressly prohibit you from contacting the Discover Cardholder signature of your authorized representative or employee. regarding the dispute.You are responsible for all Chargebacks and related costs arising from your transactions. • Full refunds must be for the exact dollar amount of the original transaction including tax,handling charges,etc.(You must identify the 10.1.2. Transaction Documentation Requests. In some cases,before shipping and handling charges incurred.)The refund amount may not a Chargeback is initiated,the Card Issuer will request a copy of the Sales be for more than the original Credit Card sale amount. Draft via a request for transaction documentation.We will forward the request to you.You must respond to the request within the time frame and • All dollar amounts and other handwritten information must be clearly manner set forth in the request.We will then forward your response to the written.(Stray marks on the Credit Draft will render it unscannable/ Card Issuer.If you fail to timely respond,we will so notify the Card Issuer illegible.) and a Chargeback may result.Upon receipt of a Transaction Documentation • Do not circle or underline any information on the Credit Draft. Request,immediately retrieve the requested Sales Draft(s)using the • Imprint the draft with the same Card used by the Cardholder to make following guidelines: the original purchase.You should not credit an account that differs • Make a legible copy,centered on 8-1/2 x 11-inch paper(only one(1) from the account used for the original transaction. Sales Draft per page). • Never give cash or check Credit refunds for Credit Card sales. • Write the'case number'from the request for transaction • Have the Cardholder sign the Credit Draft,give the Cardholder the documentation on each copy/page. appropriate copy,and deposit the Credit Draft immediately.Failure to • If applicable,make copies of a hotel folio,car rental agreement,or process a credit within five(5)calendar days may result in a mail/phone/internet order form,or other form of receipt. Chargeback. • If a credit transaction has been processed,a copy of the Credit Draft is • Authorization is not required for refunds. also required. • You cannot intentionally submit a sale and an offsetting credit at a • Letters are not acceptable substitutes for Sales Drafts. later date solely for the purpose of debiting and crediting your own or . Fax or mail legible copies of the Sales Draft(s)to the fax number or a customer's account. mail address provided on the request form. 8.2. Exchanges. • If you fax your response,please set your fax machine to print your fax • No additional paperwork is necessary for an even exchange.Just number and name on the documents that you send.We can use this follow your standard company policy. information to determine where the documentation received • For an uneven exchange,complete a Credit Draft(follow the procedures originated from should additional research be required. outlined in Section 8.1.)for the total amount of only the merchandise • Additionally,please set the scan resolution on your fax machine to the returned.The Cardholder's account will be credited for that amount. highest setting.The higher resolution setting improves the clarity of Then,complete a new Sales Draft for the total amount of any new characters and graphics on the Sales Drafts transmitted and helps merchandise purchased. reduce the number of illegible fulfillments and/or Chargebacks. If we do not receive a clear,legible and complete copy of the transaction documentation within the timeframe specified on the request,you may be subject to a Chargeback for"non-receipt"for which there is no recourse. 9.1. Retain Legible Copies. A handling fee may be charged by the Issuer and will be debited from your For MasterCard and Visa: You must securely retain legible copies of all Settlement Account or settlement funds if a Transaction Documentation Sales and Credit Drafts or any other transaction records for a period of Request results from a difference in the following information on the Sales eighteen(18)months from the date of each transaction and a period of Draft and the transmitted record:merchant name or an incorrect city, five(5)years for the retention of healthcare Sales and Credit Drafts. state,foreign country and/or transaction date. For Discover: You must securely retain legible copies of all Sales and • You need to respond to all transaction documentation requests within Credit Drafts or any other transaction records for the longer of(i)365 days the specified timeframe indicated on the request,or you may be or(ii)the resolution of any pending or threatened disputes,claims, without recourse for a Chargeback.You must respond to all requests WFB1301 7 2