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6.1.D. - Page 62 <br /> During you� Na�����Na�����������C����C�ican Express OnePoint Program,you a. Prohibited/High Risk Merchants and Activities. Entities dassified in <br /> must submit Charges and Credits electronically to our agent according to certain industries or accepting Transactions for certain prohibited activities <br /> its Submission procedures under the OnePoint Program"merchant"or do not qualify for the American Express OnePoint Program,but may qualify <br /> "account"number of the Establishment where the Charge or Credit for our standard American Express Card acceptance program.Please contact <br /> originated.You must not submit Charges and Credits on paper. our agent with any questions about those risk evaluation procedures <br /> under the program. <br /> b. Protective Actions. Our agent may take actions to protect our rights <br /> a. Settlement Amount.0ur agent will pay you according to your or those of any of our Affiliates on our behalf.For example,the determi- <br /> payment plan,as described below,in U.S.dollars for the face amount of nation to establish a Reserve may be triggered by events identified by our <br /> Charges submitted from your Establishments less all applicable deductions, agent and may include requiring you to deposit funds or other collateral <br /> which may include:(i)the Discount,(ii)any amounts you owe us or our with us or our agent,changing the speed of payment for Charges,exercising <br /> Affiliates,(iii)any amounts for which we have Chargebacks,and(iv)any immediate Chargeback,and charging you fees for Disputed charges.Our <br /> Credits you submit.Our agent will subtract the full amount of all applicable agent may establish the Reserve;increase the Reserve from time to time; <br /> deductions from this payment to you(or debit your Demand Deposit make deductions and withhold from,and recoup and offset against the <br /> Account),but if it cannot,then you must pay it promptly upon demand. Reserve any amounts owed under the Agreement;and terminate the <br /> b. Discount. Your initial Discount and other fees and assessments are Agreement on our behalf.Our agent will inform you if a Reserve is estab- <br /> indicated in the Agreement or otherwise provided to you in writing by lished.You must provide to our agent promptly,upon request,information <br /> our agent.We or our agent may adjust any of these amounts and may about your finances,creditworthiness,and operations,including your <br /> change any other amount charged to you for accepting the Card.We or most recent certified financial statements. <br /> our agent may charge you different Discount Rates for Charges submitted <br /> by your Establishments that are in different industries.We or our agent <br /> will notify you of such fees,such adjustments and charges,and assess- During your participation in the American Express OnePoint Program,our <br /> ments and any different Discount Rates orTransactions fees that apply agent's procedures for Inquiries,Disputed Charges,and Chargebacks <br /> to you. govern the Disputed Charge process,provided that nothing therein <br /> c. Payment Plan. During your participation in the American Express Waives our Chargeback rights under the Agreement.Our agent may <br /> OnePoint Program,the terms of your payment plan(e.g.,speed of Chargeback by deducting,withholding,recouping from,or offsetting <br /> payment,payment and reconciliation options)with our agent govern against our payments to you(or debiting your Account),or our agent may <br /> settlement payments to you.Our agent will send payments for Charges notify you of your obligation to pay us(through our agent),which you <br /> from your Establishments according to your payment plan to your must do promptly and fully.Our or our agent's failure to demand payment <br /> Demand Deposit Account that you designate to it.You must notify your does not waive our Chargeback rights. <br /> bank that we,through our agent,will have access to your account for <br /> debiting and crediting the Demand Deposit Account. <br /> You must notify our agent immediately if you know or suspect that <br /> Cardmember Information has been accessed or used without authoriza- <br /> tion or used other than in accordance with the Agreement.You must <br /> promptly provide to us and our agent all Card Numbers related to the <br /> data incident and audit reports of the data incident,and you must work <br /> with us and our agent to rectify any issues arising from the data incident, <br /> as specified in the Merchant Regulations. <br /> WFB1301 48 <br />