HomeMy Public PortalAboutSingular Payments AgmtCheck services I Addendum
Merchant DBA: Town of Gulf Stream
Agent Name: Town of Gulf Stream
ISO 10#:
�.1Singular
Payments -
[]Accounts Receivable Conversion
0Check21+POSGuarantee
❑ Check 2l+ Remote Guarantee
(ARC)
❑Check2l+POSNon-Guarantee
❑ Check 2l+Remote Non -Guarantee
Verification, conversion, non -guarantee
Face -to -Face
Consumer Not Present
Discount Rate %
Discount Rate %
Discount Rate %
Transaction Fee $-°°-
Transaction Fee $
Transaction Fee $
Monthly Service $°o°
Monthly Service $
Monthly Service $
Monthly Minimum $ 0.00
Monthly Minimum $
Monthly Minimum $
Virtual Terminal $
Return Fee $
Return Fee $
.10%premium for 9Items $20,000 and above.
.10% premium for all home $20,000 and above.
®Checks -By -Phone
®Checks -By -Web*
®ACHDebit* (check all options that apply)
O Non -Guarantee
Consumer initialed from website
®SingleDeets ®Recurring Debits--+ a With Verification
Discount Rate %
Discount Rate %
Transaction Fee $°e
Debittrom: MCorporate Accls. ®Personal Accts.
Transaction Fee $ oeo
Monthly Service $ °°°
Monthly Service $ ON
Monthly Minimum $ 00a
Discount Rate % (Single Debit)
Monthly Minimum $ poo
Return Fee $ am
Discount Rate % (Retuning Debit)
Return Fee $ ees
Reversal Fee $ am
Transaction Fee $—°s— Return Fee $ °50
Reversal Fee $°.e
Batch Fee $°°°
Monthly Service $a°a Reversal Fee $°°°
Be sum to provkht wicame address with valid seaudty,
Monthly Minimum $ o.e Batch Fee $ o m
cerifants.
.10%pmmium for ell Rema $20,000 end above.
.10%premium far all Items $20,000 and above.
.10% premium for all Itams $20,000 and above.
Average check
Maximum check Estimated monthly
amount: .mw
limit requested: Mai check volume: isaa.00
Gateway/Tiaminal:
Quantity: Check Reader/Imager:
Website Address:
Email Address:
Merchant
Phone number as it will appear on customer bank statements: 561.276.5116
Company name as it will appear on customer bank statements: Town of Gulf Stream
Transaction handling:
On NSF returns, processor automatically resubmits transaction: F-1 yes ® No
Notices:
Provided that processor continues to receive transactions fmm Merchant, funds will be released in 2 business days for Checks -By -Phone, ACH Debit and Web Bill Pay.
A voided check from merchant checking account must accompany this agreement.
The Agreement Includes all of the terms and carditions contained on the front and ATTACHED RECrTAt.S of this Agreement. This Agreement has been executed on behalf of and by the aulhorzed management
of each party as of the dale below. Merchant authorize SPS -EFT or any credit reporting agency by SPS -EFT or agent of SPS -EFF, to make whatever inquiries Mal SPS -EFT deems appropriate to investigate,
warty or research references, statements or data obtained fmm MERCHANT far Me purpose of this application for accompanying POS terminal(s) or equipment financing.
Personal Guarantee : to Induce and In ionsidisafon of SPS -EFT acceptance of Me Electronic Check Transfer portion of this Agreement the undersigned Memin retuned to as'Guara fth") unconditionally,
pemanelly, Individually, jointly and severally guarantees pedomance of the MERCHANTS obligations under this Agreement and payment of all sums due thereunder and hereby continues to Personally
Indemnify SPS -EFT for any and all funds due fmm MERCHANTS under the terms of this Agreement.
ACH Debi /Credit Authorization: MERCHANT hereby authorities BANK in accedence with this Agreement to innate debit/cradit entre to MERCHANTS checking account, as Indicated per the attached copy
of a voided check from name. The authority is to remain In full force and effect until (a) bank has received writer, notification from merchant of Its temanafon In such a manner as to afford BANK reasonable
opportunity tow an It, and! (b) all abligai of MERCHANT to BANK/SPS-EFT that have arson under this agna mem have been Pad in full.
All Information contained on this application we completed by owners and/or officers of MERCHANT and May warrant Mat all check Information and sale volume Indicated throughout the application am
acuram and ackrwwedge that any var once to this Information could result In delayed and/or withheld seMamerd of funds as well as the loss of all guarantee pdviledgea of all anti No dant apace were left
Incomplete. WA or none he been fired In any space wham applicable. This Agreement shall not be binding or take affect until MERCHANT has been approved by a SPS -EFT after and a Marchant Number
hes been ieued with check Ilmit end guemde Ilmit.
Merchant agreed and accepted:
I hplyead and agree to the term HM Iget>?a
01/072016
Authorized Merchant Signatu Data
NJ
tie
d
NUS
Corporate resolution for corporations and LLC's:
The officer(s) identified have the authority to execute the Check Services Agreement
with Sage Payment Solutions EFT on behalf of the corporation or U.C.
Aut orired Officer's Signalum?tie
Date
For official Sage use only
Application approved! bY' _--.—_ _. _. _ _. Tiuc. _ Data
Not valid unless approved and signed by authorized officer of Sage
CHECK PROGRAMS TERMS AND CONDITIONS
A. MERCHANTwishelaintiate Debits or Cndil Entriopurs=wer tmtt afthuagreement("Agncmmt")adt,Ruksofde Naioml AWo=WCkarusg Hame Aomcutbn(t,"Rulo),md Sage
Payrrcnl nionob EFT ('SPSdbecocu willingwactaz, shall
THIRD perrypromaor br MERCHANT,s Thetmtitlams shmdv them min inthis in
to R with respectrosuch Ennis.
B. UnionsAoTto SPedebmed Mein, such End tsrtu shallberve ming. meanings provWedinthe Rules. The term "Eertiwi shall have the meaning providedinde Rules ad dull also nitro tit data, whkhutmumitled by
the MERCHANT to SPS-EFito leparesuch Eerthe forprocuring.
C. Thuagrtteemuappliable to processing thefollowingw winglransanis a hired an by but
fhhe eer acceptance opknauElecoedhyh we-PPNTonis frontned b Agrmder;IN)Telcthe, Dcbftt ustoions Checking
amountdare:(i)PbbnafRak(POS)mools by Phone
aSc.I.. hick uTEL" ntthe Rules:ed!ACh Dht trammbm whish ane'PPD"Endaaz dentedbytoro a:(iii)randbhe trarmctkmwhich are"?PD
Entrksaz defiedby the Rub; ed CMkz by Phamtranvadmswhich areh are, Ennioazdefined bythe r Rules (iv) Checksby Web ).aCaswhichareLI.Aw Ereriaudefimdbytheauks;(v)Papa Guvmla
Which are sadtbnal heck vamactkna ad Ivil Chale 21t Irmsxltom which are, trdtiord dhak mvmrnts mocmcd ciatronkally vu Irnave Cash Leer IICLI. Am SPS -EFT it. ad atEdind amflware
MERCHANT on intallat... n MERCHANT idpment. In all cues whore SPS -EFT Iona Eflware for MERCHANT. the varWa tem and conditions re( dbebw n,arding disclosure, tranugion err processing
rcqutmrcm ad all *tor ntiutements imposed by mines regulatory agency, law, SPS -EFT, or whewveshall have full fora and effect. MERCHANT Mur rot to longe, modify, or door such Eflware or product in any
way.
AGREEMENT
If MERCHANT'S A[RHORITY. MERCHANT specifically warrants dust MERCHANT hers submity to cora Ma this Agreement with SPS -EFT ad ahmwldges that this Agreement wootituta the, legal, va1W
ad biding obit,,.. of MERCHANT ad's mforecebk in ammdans, with its term.
12 INTENTIONALLY OMITTED.
I.5 COLLFCTION.MERCHANT autnriza SPS-EFTto mpmem dl emm� itemfowaddta SPSEFTadrooriginateanelectrasuc Entry br tearoom ofmyalltiwabk convey fee SPS -EFT shall have sixty
(60) days Ham t, date of receipt of any retuned traraaWbn item to couples, its mpro emment proem. If this Apttnent u terminated for any reason, SPS -EFT will turin t , right to mmpkte the ekmmdc sr
pr.mmum Rocco for all ramrcd trarsactbn item brwarded to SPSEFT prior m lamination
2.1 SPS -EFT Shull provide Signage to be dhplayedu the point ofprndme (POP), which intima customer of the MERCHANT'S use of SPS -EFT
Check Processing Service ad afarry applicable Rewind Check Feu that may be electronically debited fiomthe msnome s ==am MERCHANT agrees in infum cuiomur that MERCHANT will bur check pmcming
service provided by SPS -EFT. From time to time. SPS -EFT may design dumtonal ad promtioml materials into any related software and xd such to MERCHANT ion MERCHANT to divemimte to in..
MERCHANT will dammimo the m *fall of SPS-EFT's promotional mteriab uponotimpt of"ness notification ofsuspmmkn artmnimtbn ofthu Apmnenl.
2.2 RESTRICTIONS ON USE OF PROMOTIONAL MATERIALS MERCHANT shall make no use of SPS-EFT's Eflwm or promotional mataidlt, mM dant in vnpWasly an bnh in this Allotment In no way
shall to MERCHANT idime that SPS -EFT. savka arc an eabrsvmt ofthe MERCHANT. its business or its business practkes.
7.1 MERCHANT ackrowldges that the Cummori aut,nambn albwa MERCHANT co inamcl SPS -EFT m btizte m ELECTRONIC DEER
ENTRY ("ENTRY") br MERCHANT agauut mstama. Iftramu�um u returned mgeid afla Pes.ment and whvc SPS -EFT hat funded the MERCHANT. SPSEFF shall be mitld to debit the MERCHANTS accmnt
far the amort oft, Islaacibn MERCHANT ACKNOWLEDGES AND UNDERSTANDS THAT IT IS A FEDERAL VIOLATION TO PROCESS ACH DEBIT REQUESTS AGAINST A CONSUMER BANK
ACCOUNT WITHOUT ACCOUNT HOLDER'S EXPRESSED AUTHORITY. MERCHANT HERESY ACKNOWLEDGE RECEIPT OF PROPER NOTICE THAT THE USE OF ANY COUNTERFEIT,
FICTITIOUS, LOST, STOLEN, OR FRAUDULENTLY OBTAINED DEBIT INSTRUMENT TO UNLAWFULLY INITIATE A DEBIT TRANSACTION IS PUNISHABLE BY A hIAXIMUM OF A 510,000.00
FINE, IMPRISONMENT FOR A TERM OF TEN YEARS, OR BOTH. IT IS SPECIFICALLY UNDERSTOOD BY MERCHANT THAT ANY TRANSACTION EVENT INITIATED AS AN
UNAUMOMUD MANUAL ENTRY OR DEPOSIT BY MERCHANT AFTER MERCHANT HAS RECEIVED APPROVAL FOR ELECTRONIC DEPOSIT OF ACR TRANSACTION UH OR IS
INTENDED FOR ELECTRONIC DEPOSIT SHALL BE INTERPRETED AS AN UNLAWFUL DEBIT TRANSACTION PURSUANT TO THIS NOTICE IN THE EVENT OF SUCH A VIOLATION,
MERCHANT AGREES AND WARRANTS TO HOLD SMEFT AND ALL OF ITS ASSIGNS AND ASSOCIATES HARMLESS AND REIMBURSE SMEFT FOR THE TRANSACTION (S) WITHIN 24
HOURS OF SAID OCCURRENCE IF MERCHANT REFUSES OR IS UNABLE TO REIMBURSE SMEFT FOR ANY SUCU OCCURRENCE, IT IS EXPRESSLY STATED AND "DERSTOOD THAT
THE MERCHANT IS IN DIRECT VIOLATION OF THIS AGREEMENT AND FEDERAL LAW, AND SPS -EFT WILL PURSUE ALL LEGAL, CIVIL. AND COLLECTION REMEDIES AS ARE
POSSIBLE UNDER LAW AS REMEDY.
53 / From time to time. SPS -EFT stall establish mccssary amaity and identification procndum
for prarnmm of checks for cimrode procuring pmv.mer to the Rules and applicable law. MERCHANT agree to mnq,ly with suds proc dum ad m adept such "properly prmeerN" c,ek. br elmmnk pmaming.
SPSEFT may establish minimum and maximum amours limitations on tramxuiona pramtN for processing by MERCHANT and MERCHANT shall rut accept or metlryt to mucro transactions in excers aft, muimum
limtlkM aubluhed by SPS -EFT. In ro nen will SPS -EFT acceut or will MERCHANT an.M m proms a transaction grma than the approved check limit assigned by SPS -EFT. SPS -EFT shall also establish the
number of transactions IM may be submitted on a daily basis by any mstmor for clecomm: procuring MERCHANT almost to pwn Ec SPS -EFT with my and all Nbtmuion Wooded to establish Such limitations.
MERCHANT fintha agrss to tnbm SPS -EFT immediately of aory changes in buinesa activities, rola of regulations, which may affect dhow limitikna MERCHANT froth agree to abide by than limitations az a
condition fur SPSEFT to chaotically process my checks.
5.4 SURCHARGES AND TAXES. MERCHANT shall rot impost any illegal surcharge an any processed namctlana. MERCHANT shall collet all required tate ad/anhipping chug. at time of mlc. All
reNvd tun adrNr shipping charge man be included in the total transaction amount W the sine such transaction is submitted for Wmtm. to SPS -EFT. In my event. MERCHANT shall not rolled my rcqumed muss
Separately in cosh or otherwise . MERCHANT u respmsiblc for paying all taxor collected to the appsopsiate authorities as rmlubd by nue or Federal kw.
5.5 IRC REPORTING. AND WITHHOLDINGS, Smkn 6050 W oft, Internal Revenue Code ("Code") requto paYsncer provWea ad third parry paymml Imwarks, auah az SPSEFi, to rcpt paymre amkm.
amwts to the Internal Raenu Servia ("IRS") for at Marchant processing through SPS -EFT. Merchants shall verify its iderhy by providing SMEFT with a Tax ldonifimitin Number(MW) Such as a Stand Security
Number (SSN) or Employer Identification Number (EIN) for each Merchant Amount, In the even Merchant bit to pm,Ec ha TIN. SPSEFT will plan a restriction on Mashie's Accomt and my retries the recaps of
fora iota Machma's Accaum, or withlwW aM=tage ofpaymenn deposited into Merchant's Accawt in Nrdv to Satisfy the backup withholding Icquuemvuts ofthc IRS.
4.1 EQUIPMENT/SOFTWARE. MERCHANT shall Wilize a POP MICR rada/chrck scams, victual terminal or paymnt gateway that SPS -EFT her, Mmiouly Outsized thr processing all electronic chat
mnaxtbna. (a) MERCHANT u respomibhe final telecommdmkn Rest aargoe, irclding but Out liltedm telephone fees, associated with and rclared to douse oft, uquiprttre/Eflware ad any related Software
con espmses. (b) MERCHANTShall mamma all hadwasaseflwue recessary for cloctrmic cheek pr.I,, including rad./check soma, roast file serum, paymer gateway. and consumer telecommunications
t9uNsam in good working oda i MERCHANT. mak apemw, (c) MERCHANT shall advise SPS -EFT immediately in the event of a security brach or breakdown of related ryuipmm, ckctmnk check so Swart
pmbl=. ardor my ohes system failure. (it) MERCHANT aakrowkdges tm SPS -EFT is Out responsible br my Hlued lot. or computer and tclaommnimuu equipment nand by the MERCHANT or for POP
MICR Wada/check Eansen equipment Problems Morava. SPS -EFT'. approval of with equipment does Out mmthwc car aWess an implied wwamy, repreMation or cram mmol ofma equipment. (w) MERCHANT
also xckrowledges that SMEFT mourner no Itadlby in the perfannaroe ofMERCHANT's use ofa bbd party's payment gateway. In thus tegard. SPS -EFT shall net be rmpambit for my umud mild compering or atend.,
to mfiwarc specifically Instilled by SPS -EFT on but part be MERCHANT or MERCHANTS agent SPS -EFTS approval of squipmet and or mflware, including without Iteration, payment gateway software, clan Out
conathute an astir. or implied warranty, represmmbn or admsrnent of such equipment ad MERCHANT acapts mpambilhy fm sekcobn and compliance with the Rules of such equipmml and. or soflwace In the
event ofa Savoy brach ofMERCHANT's records or payment gateway, MERCHANT u retuned to notify, SPS -EFT immediately ofauh a br.h ad to provide as much infur atim we may be cequirml to allow SPS -EFT
to ore umdingly to col. SPS-EFT's legal rights ad responsibilities. MERCHANT Rubber agrm in commodiously mmve and property dispose of SPS-EFT'a prcvtom vurkn reloas ofany rcdted Software ad to wilke
the meet comms, mflware v.tan ,I.a Was taaipt of such fiom SPS.EpT. In the mcm of taminatbn MERCHANT shall immediately and mSod'uionaRy Sciatica all soflwam related to SPS -EFT awkces as
MERCHANPsespeme.
4.2 USE OF EQUIPMENT. MERCHANT acne to Wilde only soflwarc, nm'rymmt, and a payurent gateway approved by SPS -EFT for tit elmronk proc.ing of uansEtbna ad in a (tinmt and medium of
man mustonaaeplabk to SPSEFT.
4.5 INTENTIONALLY OMITTED.
4.4 OWNERSHIP OF NEW INTELLECTUAL PROPERTY All right ad title to all Invention, cleric th.wmks,mr,son.em arWor dumvvks, including go., know -ho, copyright, pater lahrobkry. dura,
trade omens, and other ierehkoml property Suing dtetly or indirectly fiom to SaIW bas ("New Intellectual NoMne Rights") during the Tam of this Agreement shall belong to SPS -EFT To the atm that such New
Intellectual Protest Right do rot automatically van in SPS -EFT, MERCHANT Mhy.igns And tzuden oven such rights in SPS -EFT, posers SPS -EFT power ofattarmy to accomplish all such assignment; and tramfm
and ap. to Ake any and all assume that SPS -EFT or its counsel dean rocesaary to transfer and vat good title in Suit rights in SPS -EFT.
5.1 OAILYCETTLEMFMOFTRANc_ALTIONS. "Batch mr-mall man than MERCHANT transmits all oft, tnmaztiom w SPSEFT by midnight(12:00 am)on the day SPS-EFTaWcarrses the It SPS -EFT will
generally manumit Settlement to MERCHANTS bank within d bmimn days from batch out hat Point ofSzle and Check 21+, within T business days from beat out br all other ACH propane, and within 28 days from the
mine of inbid PS' E of Paper Guarmttt. SPS -EFT reserve to eight m ERCHAor 's exams ernlmrbre az davminnd �smy hued a bminm credit, risk ad financial ANTS. In oro when MERCHANT has bum
approved! by SPSEFT in advance m inilute credit entcks, be debit to MERCo ds I. acmmt will be RANT fan and de credit to the esilNma my M,W until ME0.[HANPa debit chars, generally withal 6 bankimmg
daysix, bra boMer period az deermWd necessvy by SPS -EFT m insure be fiends Mae cleared MERCHANT. am*um. In ad'nkv any marmaaioM mntallhd in m wtimcly batch out may be refund or become aubjm w
dmgebazk or reld ureto afla a Bury -dry period fur cuaner char ng im,set SPS -EFT. TmmaWote come nu in en uming a batch NW are ml mead oder check Ineaertt bopanm. Ifs t be taxed
a by SP5-EFT. all
SPS -EFT
documentationrelated!48 h to the mnomer'a ACH sut,rbatton inclding haul rot Itmtd to customs'. telephone umber, billing dJrors, ME CHANT ackn, vmdnd, or Internet attaraution, must be taxi and received by
S r suspe wthin to Mw ham toe cequm die Failure to do so Will remove SPS -EFTS o E additional
ado deck mi,own tograrna. MERCHANT xkrowhdge dal fv'lurc to Michaud ... a timely btu my be grouts
forsmiSmand or Someagurt,Slan.MEkd eat, de to MEFT RCreservet, righten MWaddtbmlmorartnaount against
centia OakaaroCkldwith daily n pmid, aneposit checks MERCHANT
for in its role
time
emun sed to SPS-aFT (uL plea a,W on fu ds due to MERCHANT s) settlement of trERCHAN in oda to nmvh agaimlure to b loses SPS -EFT will then provide o nes deposit o MERCHANTS'
after tperiod of
5.2 aarythkmOFTRT(ovallyg0days Dom mountain acmpr ledger dat). Ind crow MERCHANT understands ME that Taint toback*m will delay hands being depend dtoh1ERCFsists. account.
5.2 MERCHANT
TRANSACT'IONS. MERCHANTaybe that trasmmbna be my be
ckbitWTad MERCHANT mdethuneeenumApt shall betatdasa tinglctrarheesunbimic. ofdaily amkmmt
5.3 MERCHANT and SPSEFT.IIS MER my, deducted fiomhatl aentkmentor maybedebitedfiom MERCHANT'S no Provisional
me
to the cotooffset the eMghsput
5.5 PRQVISIONAI. SETREMENTS. MERCHANT xknowlNges that all setlnnet berwmn SPS -EFT and MERCHANT arc provisional ad arc subject to the mmtirtvi nigh m dispute the charges against 1,
customer's account.
5A PAYMENT. MERCHANT azkmwkdges that bis Apttmm peovida for the provumml hemi. t of MERCHANTS MERCHANT
lona, subject to roam Iva ad mdtbu, Res, credit trS P&EFT, contingent
chem for dmghxka, adjurrcrea ad finale amlemmt ided throaty
but rot limited to tom amrn.tnd Man All payments to FT omwANT hatcc thimatc bed sutMrued tamaesbm shall, made bye!! by MERCHANTS de
ACH MERCHANT
usually he due to the trmdt a dCH auto MERCHANT'S designated amount, However, SPS -EFT rondo gmatama the tCH net s with which my payment my, creddel ye MERCHANTS
baste MERCHANT udanads that due to to wee oft, ACH err ton condo networks ANTS d ad be Taco that Out all bonds rot that a to this, ACH network payment W MERCHANT can M delayed In Such esu.
MERCHANT apm ro work with to resolve any problem in medntro MERCHANTS designated ache transfer
ns er amt that a payment u rej.ed by MERCHANTS Mile or fails m CHAS within seven (T)
banking days fiom t, doh al Statement made due to problem, my c SPS -EFTS memo. SPS -EFT may im, R, h wire mamf all funds due MERCHANT until theAg emblem u mrtmed, i MERCHANT'S uprose All
payments ro hIERCIIANT dint, rode after Ret designated
d A Meda. ahaegebark, serve di mM charge be which MERCIRANT is responsible pmsuam to this Agreement. Said charges Shall ha deducted from incoming
5.5 AuHmaybedebitedfrom MERCHANT'S NTpAC Acm ME CHANTsook autboan without anyRather oSmitroMeadmwd
5.5 AITH00.1ZATION TD Af[eSS MERCHANTS ACCOI INT. MERCHANT hooray amhorrto SPS -EFT m tutute debit and oredt Entrieso, MERCHANTS designated xmwt(q. MERCHANTS authorization
shall mntimve in effo br i kut 130 days afla tam'vutbn Nftus Apmm¢, m br a langur petod az demmirM mcesaary by SPS -EFT m toe aortae ofM mak disctetbn in order to prNPeIY tvdme dumas. EEepr
az al my ol main osis Ada tts ACH Debit FT is ins ro MEn[HANT m cusbma u ofw and m r nowea canmm aedt Emory, acepr whe rf Entry u t, r.t ofa revural ofa or ME A[H this Entry. SPS -
EFT my MERCHANT
amus where SPS -EFT u immigiing a trmactkn br breach ofwtigate a c untaacdvh rega'vemem by MERCHANT or for mM Lona. SPS -EFT shall motor MER[HANri tamcobnal
to MER CH MERCHANT apm tenor my SP&EFT
maydelay furs forSS-EFT eERCHto invW.tamountEFTmaSPS-EFTwill or nomtoundtMERCHANTofanyinvm vicil W butSPS-EFTbassMI have no liabilityN
to MERCHANT m any r MEher parry, NT my ouch Oester lakm by -EFT will
MERCHANT W. that nor of a may ,W, smog, m main suds la protect r. All mnwts owed je SPS -EFT hued on MERCHANTu
transaction history and'or MERCHANTS' fins y it to iteration. MERCHANT
will rot be liable for any essMmr of any iron u t taint of xoom aka Mnudv. All acmwo arc subject to review, vaifimkn, Omit ad
acceptance by SPS -EFT. SPS -EFT my ream my tem m MERCHANT fm cortmion car proper processing.
i_cA �.I'.:-....
5.6 RETURNS AND CRFnM MERCHANT shall maimzin a fair pwlic, pmnitlkg refiunds, exchanges, return W adjmtmrnts. During the lam of Nis Agreement. MERCHANT shall be resp rs ible hr making all
refunds to alone a. a o-mm.am has been relmsed far aatkmrns Each debt and! audit Entry shall constitute a separate Columbus. MERCHANT mm tdlime, voids, which occur ea same day as the day of
unheaulon
and Wier to bashing cam. MERCHANT trust we Ge alaipmenm'swilwars to transmit the vwH.Hit becomes rcwsary, for a rewshal ofa o-anm.am to be initiated MERCHANT shall acquat in writing hr SPS.
EFT to initbte ouch reversal. MERCHANT shall give SPS -EFT sough bfarramion m music pact reversal
6.1 REPRESENTATIONS AND WARRANTIES BY MERCHANT. MERCHANT repentant, d warnms the hollowing: (I) MERCHANT mrrtplien and will amply during the term oftta, Agrmrcm witha[] Iced,
come, anal Inns] laws, mks and CaguWbm, in amended been time to time including these with anpect te comutm Pronasion, can urwity, and promsing of ACH Carmichael; (a) the description of type arc estate of
MERCHA 'sWsimsinthe Appliesteniscom,leearcaerateadwillremainsoduringthetenofthm Agrcmnmt:(iii)the Appliwbnhasbansignedbyapr'vuipleof MERCHANTandtatiftl uacarpin
control of MERCHANT that NIERCHANT will not submit Entries uda this Agreement without SPS -EFT a prior wcnm co earth (evl in the event of a sanity brach of MERCHANT's records or payment gateway.
MERCHANT will amtify SPS -En inandistely ofsmh a breach and to Provide as much Information as may be Captured to allow, SPS -EFT to a accordingly to proem SP&EFr's legal rights and wipam3ilities and Nose
of curt.. affatd by the breach: (v) .11.f MERCHANTS brekax locations engage in tit business activity, luted on the face of this Agreement and ro that busmen; (vi) MERCHANT hen taken all ¢cowry legal
anion and has aathaaity to auto alt this Agreement with SPS -EFT; ad(vii) the Museum) signing far and on behalf of MERCHANT Is specifically anthotued said duectd to do se by MERCHANT. MERCHANT .iso
represent and warrants thin with ace trareazllon praanS m SPSEFf by MERCHANT for atarkdaom (a) each customer hen authorized the debiting or crediting of is checking acotml, dm act debt or alit is for an
nowt ay ed m by the aaomc (b) each debit or credit Entry was aufhoand by the person mored on the checking azcoum: (c) the proof of purchase is valid b form ad has beer corrpl.S in accoadance cath ill
applicable laws aha all of gm pmvuecns ad forth in this Agreement: (d) the total anumm of much proof of purchase evidencn all goods and services purchased in a sbgle trmwakn me splitting check movemens roto
multiple to esoiom); (e) MERCHANT as or will deliver the goods or commlated the services idectifid b the w]e; (R ash vola draft Entrants a Was fide direct wks taansad m between the MERCHANT arta the
person preacming the clectrmdc check in de MERCHANTS ordinary course of bessivass sun that the mecum of the sales draft evidences the msmne's total tdeMedma for the trarragbn involved: Ig) the pawn
,ramming the clecnonc cheek has ro claim deface, right afafis., or dispute against MERCHANT in connection with the purcansm of the goods or savior and MERCHANT will provide dequate swims to the tenon
pracuing the cicamnic chalk aha will bar WE waaamies applicable theme; (M MERCHANT has cot submitted transactions drawn Sham in p.oml or business checking scientists on the MERCHANT'a electronic
hardware, adware or payment gateway: (i) MERCHANT as used only the mare arc address Commend ht the Application on all its sales drafts; 0) MERCIIANT has cot submitted duplicates ofary (k) the
banking infanmeiwn assumed no SPSEFT for proposing his, roe bens alta d by MERCHANT; (1) no a... submitted kr ewhedwtkn to SPS -EFT is with or through an cnthy o0m than MERCHANT: (n) the
Percentage of mail order voles Intel by MERCHANT for ash lomution is consist. wish the information provided in the application; MERCHANT further acknowledges that if Tot Cry nman fludr ae marked to
MERCHANT in eares of the amours that MERCHANT is wtkd to Cadve under this Agreement, MERCIIANT shall mum all such neap funds to SPS -EFT upon demand by SPSEFr. Such a® finds may be
collated by SPS -EFT by a debit to MERCHANT'S designated arcouw a tiael by SPS -EFT m provWd in this Agraatet. If hr Cory anown such =am does rot have safhkm found, than MERCHANT.1.11 protrytly
remit it. aces fads to SPSEFT. Until the roam of.h fauns to SPSEFf. MERCHANT akstawkdaes that a shall hold all such funds in vat for the hrcfit ofSPS-EFT.
7.1 SPS-EFT'S ENTIRE LIABILITY, IF ANY. TINDER THIS AGREEMENT WHETHER TO MERCHANT OR TO ANY OTHER
PARTY, WHATEVER ME BASIS OF THE LIABILITY, SHALL NOT EXCEED THE AMOUNT OF FEES PAID TO SPS -EFT UNDER THIS AGREEMENT DURING THE 6 MONTHS PRECEDING THE DATE OF
ANY CLAIM. IN NO EVENT WILL SPS -EFT, NOR ITS OFFICERS, AGENTS, DIRECTORS, PARENT COMPANY. AFFILIATES, OR EMPLOYEES BE LIABLE TO MERCHANT FOR ANY INDIRECT. SPECIAL,
PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING WITHOUT LIMITATION LOSS OR DAMAGE FROM SUBSEQUENT WRONGFUL DISHONOR OF ELECTRONIC CHECECS. SPS -EFT mala no
o0m winnmy, cu aas or implied, regarding my swim it ptofarma an emendation with the A,.t, and roN'ulg mnaind in Ihe Agreement will mmtitwe suds a warrants. SPSEFT DISCLAIMS ALL IMPLIED
WARRANTIES, INCLUDING THOSE OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. If any of the Entries that are on SPS-EFT's ryatem belonging to MERCHANT are ads owed in a
civil no, SPS -EFT anal use mazombk affom in rofih MERCHANT before Producing such towards in amtdarce with the subpoena Thin session shell survive trrminxtkn of thin Apemi nl. SPS -EFT shall be
name mble for ptrhamarom of the ACH swim as as thud -Maty elstmodc check pmcasor in accordance with the tam of thio Agreement. SPSEFT forlorn solely as the mommr and assume an liability in the
M efommltt of MERCHANT', hardware, aoflware, or paymat gateway SPS -EFT shill rot be, responsible hr any other persons or mttry's errors, amu, omissions, failures to act. Colligate or Wential cwduct, bac ding
Without Indication to enthia such an SPS -EFTS coaRnkatkn carrier or clearing houses, ad an such entity shall be demand too a representative or m agent ofSPS-EFT. SPS -EFT may, at is option provide attain Pre
vaifialbn swim pains m processor, an Entry; men pwim are in SPS-EFT's denotation ad call in me way crate. guuant. ftham SPS -EFT or obligation on SPS-EFT's pat to vdfy the mminer identity Curd validly
of a submitted Emry.
7.3 FORCE"EURF.SPS-EFT shall not be responsible for delays, nonperfommim,damages, ba pmfitaoa other].a,. caused direly crid'umly by any An ofGad,i¢luding without limtalbn fins. mathlplakes,
mmdoa, hwiam, wan, labor eisput., mmmum motion (alum, legal constrain, poem owag¢ dna Rwmi oinn lass or failure, ncomer dna ns emisabn or any other evml oinside the due...I.fSPS-EFT.
8.1 CONFIDENTIALITY OF AGRFFMFNT AND OF CUSTOMER TNFORMAII= MERCHANT Rahar warrants sun agrees that it shill not sell. Foveate, prowle. in exchange checking man= bfanmllon in this
farm of salm dram, mailing lists. Capes, or my other media oblaind by .an of a taaruxeime or otherwise, to any thud pay other than to SPSEFT, MERCHANT'S Won approved by SPS -EFT far the, purpose of
amazing MERCHANT in its butincm to SPSEFT. the Financial insolation named on the check, or Moment m lawfal government contend without the a¢owu holder's explicit wrmm ..or. All media comarring checking
somal mmbm must be mord in an ma limited to selected Museum] until discarding and most be decoyed Mier to or he commitin with distending in a manrcr that will mecca the data umrodalpk. MERCHANT will rot
d'ucbso and will keep confidential the lama and nnami.. of hap Ag'renrctu
9.1 CHARGEBACXSANDRETNTNS. MERCHANT mall beuall risk often, without wmamy or recome to SPS -EFT for the rmow ofany transaction. or other matmta due SPSEFT(incldng SPS -EFTS actual
wan ad esp.) due in an. of my kkd whether hr customer chargelecks.'vuuRcknt finds main, administrative or mryoRe sump, err my odes type ufmtuma, ncept as am Cloth in the Guararr¢ Provisions
below (provided tat MERCHANT hew puns and SPS-EFT.peed to M, We Guatmlm smica). SPS -EFT shall ave the right to debt MERCHANT'S incoming transactions, daigmeS azmunt or any other fads of
MERCHANT in SPS -EFTS dam or bdvm control by reason ofSPS-EFTS s mmrity interest granted to SPS -EFT by MERCHANT hercurder, ad to dargcack inch transactcns to MERCHANT including, but rot limited
to ay ofthe following situations: (a) where goods ave man rem and or service camwd by the person submntkg the elect, me check far cnxtrodc Immsbg ad that Came has rrquatd a acdil Nall and such otdh
daft was cot pmcassd by MERCHANT; (b) where tit voles draft or Machado bashes any mouser abn, warm, or on. or failed to mm the r,.a.. of this Agreement, or applicable law, or has rot hen
maamad b dvanz by the au Iia zatbn center a regard hamnda; (e) when the transaction is for a type ofgoods or savers sold other then in disclosed in the MERCHANT m licaian or approved in advance by SPS.
EFT err Ice... shown on Rte sales result diff. Ram the copy liven to the cratomer: (d) whore a to. comnds or disputes an wining m SPSEFT, or the tc.', financial comm. mad on the check that: (1)
Goods or swizz ware rot received: or (Z) Goods or services; received do vol congener m the description on the Was mini or (3) Goods or swim were defective or the customer as a claim Climate or dcfcmc to payment
related to the bmwwiom or (4) The dispute teflms a claim or defuse authorized by a mievem statute or regulation, (e) where a cluck authorization is subjm to indmu flalbn charged back by the custona:r'z financial
MERCHANT
where um not toclbn urn Cemmd! t thmuah the ase of m azcoum tat urn rot valed w cot open on la Iratrsactkn nae h which urn made ns an alltoed, urn dune at mwafeet shale or of p",
MERCHANT had rotitt not Iha homy sun failed a rtjet theConnectioninanr or d MERCHANT risrcguMl Any edema of familiarization; Caul ion; fiOiti where the check aauln A a AR219greements,
atm f MERCHANT
N ACE] Emry to Crop",
Armum: (M wit. ante fm did rot etherise the he no on ti na approved manor as dcsaibd b the Aditooml Tema rhi Condition u the bottom of this AbTmancnt, or if MERCIIANT (gild to obtain specific
authorization siypos N dame Goa SPS-EFT
owed; m conppate a nomination mead the mummer has c EFT Is in writing io SPS -EFT or his; NT Stand
institution ened that a time
orezd ten made a awhehis r the o-mws arae (i) where
MERCHANT
pmttdwa w. rot followed; (jl wherein crem sediment
financial bnelmcn or y other s as inNmatkn hal MERCHANT Gaud oamrred u the time of Hoc n to MERCH, or the transactions u cot a vole by
MERCIIANT whnha or vol •urh rmlyofMl(p) urn mtlor in violation by do mnamer; (k) li any wNa eMERC wit T rho check authorization urn n reutd or a medic urn geven to thERCHANT in ecawtanc. mE back,ing a
breach ofmy « praemabon err backay ofMER[HAwh or kacish ofapplece knows
law or wit. MERCHANT here not Provdewheredonations m NT dos amtomm depute whether th netm a Connection mctmn es draped muck; (1) a
vol. withervmbn was charged hes, gad he time of whaalm cam rol the crammer krowa or earnings ofm this ANTS outs. the where MERCHANT ewes rol pmvde copy oferk autheents be rm:ipt a ryuesld by SPS.
EFT within hory-elght (49) ams Gom l% time of such rrytme If, with rape m my ee of MERCHANTS be turnaround
nut Ms, the slow of or numba of ER countinkitHANTSf or Gwd incident bumit excessive. b Roc sok
dat.ncmcn of n MER T, MERCHANT will ac charged muck for all trmawlore. Thep Agreement may be lamemld immedutely without toa tit ad MERCHANT'S fads, melding hew net limned to dame a incoming
o
ttanadlons and in MERCHANT'S eck, a, us ammo shall ho heed al chant m the Prwvnfans Meed y SPS -EFT salt m than
tory fm relalS m a charl'enack trareaion MERCHANT spm that SPS -EFT will awaz m n
twenty-five dollen hr act rturtleneck,
not honored
err ouch ny mans,
or eluding elsrga n may ol suffei nt by s, dminGomlveo to time ate renally, SPS -EFT shall have the same veva to debit AIER[IIANt•a account
for InreaSom BACKS or not TURNS TEN ER E ACCOUMPlne but not limited to loth BL m funds, dminh con i d i. tit to rctrna, , any whey kind of returned igtnnw.lR.
and CH MERCHANT
agrees
AND RETURNS RESERVE A [r INE Nd! Roma t Rome
arty mit u t. at d�e m Ihe contrary amenity
n'uw1 en this raatesaant, SPS -EFT reswes Ga read m eablish without role¢ to MERCHANT.
and MERCHANT spm to fad a c, mtnat any
me mi, et h arc Rnwn Rawe Aahaw, e d thea Ca wit. aamrity mato to raise ma bareunda, upon SPS-EF'PsHAN tamable detmntmwn of .l oe or Met ofmy
ofIt.hllowalg:p)MERCHANT.I.labmy foodswgmaethuss wench create an overcharge to de cunmm heti duplication tomu.;(b) Fanuraby MERCHANT bfullydlalnsethe leevale¢or CHANT 10
oflis tichuil dUcioore In.
Iwmdue mlat..1lonefundsInnwdtll isfny Inform car decellwenthe pa su Its ilityofMRHAtoMumsessing bas, or MEFT;ad)mlureby Iq FailurCHAN by hIERCHANThe
fully clause the true nmurt of Ilu b yeas a to SPS -EFT Pro permlu (alit oce.S y MER w to the suitability of MERCHANT for era ion w thrash SPSEFT; (d) Failure by MERCHANT is ally disclose the
tike owmship of MERCHANT'S bwinew entity w n,dictic.ME C Gad: (q Processing by MERCHANT ofT AmhodaS charges or cry atla anion wencht, mon applicable y,reruse tamgemem pined in t ofSPSEFT Agreement h
lekelytooneloss;IRAnY mhangeorbirpre typ omadeby AIERCHANT vnes.knwtheySMET; ,)MAppERCH or brachofavywher covenant, wamnh, orhowe la I% ft1balned Inthlapretweor
ME
.ppH.bk len meadtog • cumber of hype is bmlntot without prop utmost appaaal by SP8-EFF; (gl MERCHANT as cmaeacka or rttuma of am kind winch exceed IS of I% ental colla Proc.d by
MERCHANT:(h)Euaivementootewuats Rom Cusum.aaimSbasks facta6 mad,
ofdha SPS -EFT,
far 91 MERCHANT'S fi .17MERelnyh TganknFMERCHANT cariesdoingbuena; or U)UWnrotice
ofw tvmbsometo flus MECHANTn. Altos remenmdeguaa Prhaviskn farpayment heve by SPS-EFTforall ise area an o by part EFT Such
to Sl not be ud.this MERCH,MERCHANTmayrequestSPS-
EFT m t80) da to MERCHANT any funds Agreement
in the ty (0) day. ih Rnum Rate Amunt uveas otherwise apes m by SPS -EFT Such fiends will not her disbursed i MERCHANT un until Adof ame that
hada.
righty it 80) eats alto a kniil tit of this Agr¢msw or or my (90) days Gom the data of the laze en SPS -EFT
T reruntify ME whichever u lata, unless SPS -EFT ht l s sok d ate he ban rvsen bbelieve hal aatoat.
IKWg tacky gmayhobngto clan each paleddlemeahalio. hPmv6kotherwise lekelyaetol aur EPt- wwellrotefy MERCHANT ofsuchfestand SPSEFT willathe due wanfiwdspallhorckased. No monis
hd uta COLLECTIONS
Had ERC Raaam Ammml sail bear ree t e when colectionser to eh e n mld,Smut are aro appliablc to thio aecow.
9.3 .th I CfIONR, MERCHANT ]]. acknowledges; and spm nal when collection services we «quos. SPS-EFTsixty
(60 tory ,telae m appall di ni lizard had piney be pafom such collection sevim. MERCHANT
fiuJer aulheaRa SPSEFT to continCocollmlon eRoR for MERCHANT, Ifmrkakns are unsuwasful aft. sisly(60) days, SPS -EFT pall denwminue collections aunoahsolved o fall responsibility. exceptnstated in
IDIt MER
toMERCHHANda Goanmenpmgnma derailedmto AditiomlTam sun Condtions.
ANT SHALL PAY. Amp. Schedule ofFm. mvclanl shall payaDiscount Fa baps uponapercemage oflho pee amount haftrmsaions uuquuS la lhe daabare during Aho monh;apto Tramaaian Fa
far mw,th ac®; A aetwn ftt of ro trorc thin 5±5.00 pa.umd travaction; A Minimum ManWy F¢ IMM1 to o paid ache month; a Momeny Swift (MS) F¢ ten ho paid suit month TSPS -EFT raves Irk riga a
emetic ancSwitt F¢by Sl oefpr0malngvolume muleennout" in on ilxd dove ins waenn SA); Tmmaztcn F¢farwnh ACH schedule
Ta nation
Fafor ash <aMmene ANtolrkdaw,lizeneeurot
cult in ro ad, A.e mil r be finds: a ac1binch-out"
S5 f ('batch -out daaibed above in anion 5.11; A oourtimm act up ice w PQ the sehduk of ices on trk Gam of this agrmnent: A Network [onplim F¢ up to
S400pa momth;An mnualsubsmiplian f open... Clecummally thefm lisledprcvkwlyentivseacn.randS 30per rout Recording
Uses iIr mMERCHAN a=ex mseal Calbmnts minngSwiz
995
m regime tandi Ma minyan ®tion to macs tau amunt clavte regar ng fees owed to RscoSvg ERCH F¢ and 50.30 PQ amuse RmedbI) Usage Fa. MERCHANT stun cxamke all atmaten ha arng to then
Agreement, end cis res a San. SPSh wi k waiting ofany depute cal by regarding fees awn] to than Co . MERCHANT'S n,MERCHANmust include lel MERCHANT uta and account roman; arc (eel de dollar mecum aro
MERCHANT'S
description of Tithe it= toa fm. Such -EFT rotice must ap msved c ponentT ren In. than County(WEdrys ail. MERCHANT received from SPSEFT the periodic antmant of fm that iroldes tit disposed f..
MERCHANT'S IZA tosoroach SPS -EFT Werdby mycomponentstmenmM1 and fm owSwellwaver ,barthedispute.
10.2 ALRHO NACHA R RFTRIERCH R T shall F Whereby a fimncbl mnitwbry regulatory or hew enhnemrne norm, In the event MERCHANT
am dmwdd Gom SPS -EFT meorwf , const ctmoam auRo,caakn in
EFT sullen a pemity Rukb MERCHANT shall Provide wed prmfofaudrat so&ASPS-EFtharge(ll MERCHANT
days. In event dm MERCHANTamw 0.0100)themmett. ecustomerauthomkaebuarcSPS-
EFfsuELEaAnally CHECK
NACNA.SPS-EFTsillave the mighttonsibl ouch penalty arc carpMERCHANTaminimum difich up to tronotmofweltra)MaencWcw.
11.1 FLECfRONICCHECKnitaltFRRINO SPS-ofthe ]rot her MERG le fartosenletnem to samkctmnic ttan mionrwhich SP be t rawm, to SPStFT0Sons FT'st Gom MERCHANT farpt mase ng
withinWOU memy-faurauraonto ineteil Tinorderdueofda naaace: w MERCHANTsaltdingckri tesub,mall mnamenin rue
EntSblhe traaankreM SPS-EFTu SPSEFT's request. MERCHANT shall make its
boob and r¢ards aailabkm SPS -EFT momdermveriM.fp .caththisagr M and kordermvemi. myenfaemdan. mEntry.
Ial A_Scl-LAMENT OF RRONI H c Cr,right doemile Apemanadge m Material 1,SPS-EFTawcc.MERCIIANT shllledamWm averendodm SPS,EFT, all haFMEd'mam and
Coal enlaat ne awry,, all the I n. chub, Including airy, fights to treble or and
punitive damages PertniltS under applicable law. MERCHANT sal] atone and ANT, endorsements, ins SPS -Ea, in papa: arc shall do
whatever is naawry under ma laws of my mp]i unduimdcelore to aawe ad defcd SPS-EFTa tight and mall do nothing m Preryditt (hose rights. MERCHANT pall coopaaze with SPS -EFT in p.uing SPS -EFTS
rights, ircldioua suin6 m Proaervtion of the mmom undto all applirabk laws.
Ta e, t.. I l l i , Ic. II i, p_ _i_ L'..... _.
11.3 NOTIFICATION OF PAYMENTS 0.EC1HVEn, MERCHANT acknowledges that SPS -EFT has Ile right b ma payment on all clmmnically processed checks maimed ad MERCHANT will not attempt in
called on my such trawgbro, Hardy formed is tadsd to MERCHANT. MERCHANT will notify, SPSEFT bytekgMm ofthe paylonm, adorse0e dela; sign is ave to SPS -EFT W hmxdiately mail the paymmt to
SPS -EFT by cmifid toil. If.m. pays mh MERCHANT.IuII mimbmc SPS -EFT by MERCHANT's check
12.1 COMPLIANCE AND DISCLOSURE OF INFORMATION The MERCHANT'snhs adobligatum whh resew in airy Entry aegwased by the NACHA R.I.("the Rules"), this Agreement and applicable by,
The Merchant Afraid m comply with sd ba baud by "the Rules", The Merchant span to comply wait Wricablo state ad federal hw integration and Merchant w. that it will not traamk my Emery that values the
laws ofthe United Sm.. including, Ivkhoot Ihnhaion, regarded.. of the ORnm of Foreign Asset Comtel (OFACI. MERCHANT shall provide each bfomman ad cmifiaUons a SPSEFT may assembly require Som
lime to time, to demotes. MERCHANTS compliance with the tears sNT conditions ofthh Agreement and applicable law. MERCHANT f rtM epees to povide to SPS -EFT Rom time to time such information including,
but rot Raised to. credit reports, Formal smile, business finamal saamus, incoch as, a=. or other such informaan in SPS -EFT my maw. MERCHANT .is to SPS -EFT continuing authority to conduct md's
check, and background invntiCaans and main. c...a., MERCHANT and MERCHANTS ownead imiding, but not limited to, charaam end business afaaNa and the fimanul condition of MERCHANT ad
MERCHANT'S owneds). MERCHANT vpreely authorities SPS -EFT or As agmen, Womeys, uco arours, and representatives to provider ad metve such ofomalan from my ad all third panics directly, without fimher
mmmt or maidenhair on the pm of MERCHANT. SPS -EFT may share with others its credit, sales ad other bfomutam MERCHANT will not transfer, all, or runic or liquidate its mums or uses or otMwue
trasfd cadrol of as business, dodge W awmship m any amwt or mapw, engage in arty Into venture panmship or similar bum ms wasawrout, change As basic mecum or mead ofbusiness, types of poduars said or
aagage insoles by Thom err mil aide whhout Ravidog mtia to SPSEFT and pmvuk SPS -EFT with the oppornmity to tvmime this Aiiaancm.
13.1 DATARETENTUON. MERCHANT shall main all records rtbtd to aurhondaan, including all sales and slit wiper ad whoriutao for a Period elan les that two yurs blbwag the date ofthe transaction.
If o stama's audannu an irradiated is landed back m sutomer thea MERCHANT acknowledges that SPSEFT will ant be able to provide my check mllatud ewter beyoNT the dead eodome Resmtnmt AM,
deck Failure to provide the amomer's authorisation to SPSEFT will result in cessation of cullwun afbro, ad SPS -EFT will he emitkd re mandiaely dcbil MERCHANT'S Accoum for airy prevamly processed and
rgend trmaetims,
14.1 ADDITIONAL MERCHANT REPRESENTATIONS MERCHANT agar to was,SPS-EFT or suds MERCHANT upon reasonable notac MERCHANT aper thin smY owtading adadent) owed to SPS -EFT
shall be subject in a 1.5%force damage monthly Any demanding nam will be seta to an double collection agency and charged the mamnan achua ofcivil, legal and callmam hes/ larges n h allowed by law.
15.1 ADDITIONAL SPS -EFT RESMNMRII ITIFS SPS -EFT will leapt Emnr As MERCHANT'. Mdwac, volume. or payment gateway, on a 24-hour per by bazu. SPS -EFT is only responsible for processing
Entries that lave maned at its Ramses in a propr fonml and on a timely brim. SPS -EFT will we infomution provided by MERCHANT to Originate leer Entries in the ACH. MERCHANT udmtads ad agar that SPS.
EFT my reject MERCHANTa Emir for an, reason permitted b this Ageand ardor if acmm um of such Entrywould note SPS -EFT m Potentially valve any f Ghoul aur, err Iml law, ole some, m regmlatan,
mldal; without limitation my Fedmal R"Me or other aguhory risk consul program At MERCHANT's writ request. SPS -EFT will make rcazonablc clfard to romic or delete an Emery. but will under an
cuctmmaum be liable farthe failure in totally with such mixed,
16.1 INDEMNIFICATION. MERCHANT hereby apm to indemnify and hod SPS -EFT ad is oRcm,diregars. mrldyms, and agents hartnkss fiom my claim reucup to or owing am of. (I) MERCHANT's broach of
the reReswanons ad warwtly or this Agreement; (iia a dispute brwccn MERCHANT and a container regarding the anon or motion of MERCHANT; (iia my disputa Mwem MERCHANT W a MERCHANT
Customer with respect to the alleged or stall failure by MERCHANT to process a transaction u requested by such remand or to MERCHANT's fiilum to provide data security, and (iii) MERCHANT's failure to comply
with any of the provuan of this Agreement ad applicable laws. Rules and or rcphana. MERCHANT lumber ago to Idemiy and hold SPSEFT hamlas door all claim, liability ad aper aping or resulting
fiom my dispute or claim made against SPS -EFT by any third luny arhing oil.&MERCHANT's broda of this Agamond or de Rule. Further, MERCHANT shall reimburse SPS -EFT for All npmse ad cash, including
anamcy's fact, with regard to the brgoing. MERCHANT wurem that it will ready SPS -EFT mmrdately ofany breach ofdds A,.,.
ITI NON -WAIVER. NetlMdhe failure mrmydouyouthepot of SPS -EFT to nvcuemy right. mercury. powrorpnvilQchmmnda shall opmteaawaner lhomforgiverueo memppelwrbe roomed wan
aQemenl tit today the luno other
Agrmnem, car shall any single or pallia exmcbe of atry riga, is
ipdwr Oran iiise with then y any ng such e i e camdid az a waive of sada sigh, remedy, power or
privilege with rnpw a anY opM otounvme Na waive by a party hmeudr shill be effective walked it u in writing and eigml by the pant makieg such waive, and than such waive .hall apply only to the atm
specif ASY.ladosuch writug.
171 p551ONMFNT. MERCHANT my not azsign or trasfar any fights oder this Agreement unless ad wail it ramiva the calor writ approval afSP&EFT. SPS -EFT my Raly azsiCn this AgarrcnL as edges,
t73 and! duties ION Th.
17.3 TERMINATION of mandate
ThU s Agreement
mmmow indefinitely unless ad until MERCHANT. by ciths )sty. MERCHANT mm provide nxty (60) days writ rotue m SPSEFi oflermimtad SPSEFT shall have the
rights INTENTorNALLY this Apccmentinvrcdutely ad without room to MERCHANT.
114 INTENTIONALLY OMITTED.
17.5 COUNTERPARTS., Thu Alt tmyb mecutedinomormrewmta s,eachofwhirhshdlbedrmcdtobemofilimL ahmmuapanabmmliaulehlowa thesuainsmnent.
17.6 ENTIRE AGREEMENT. Thu Ageenen u eche mmpMc W ndmive acaterma of eche aQmncnt bewan SPS -EFT ad Ne MERCHANT whh respect o Iho subjw cotta Mmf W supmdes any prior
p t(,l between SPS -EFT sed the MERCHANT withrespect to the subject dela. In the evml the Mfontunce ofthe smia. provided Mian in accordance with Ubetam ofthis Agreement would result in a violation
ofany, imem err filum mama m dalan c r k .rd policy, to which SPS -EFT, the OrProd, Depositary Financial lmtimtim (ODFH or MERCHANT a subjm, sed which govmm m.Rats t.wwns mntrnglated
by this Assumed. den this Agreement shall be domed amender to the extent pessary to comply with such suture, reguluan or policy and SPS -EFT, the OUR seat MERCHANT shall man an Ihbilily As a result ofsuch
changes.
17.7 AMENDMENTS Thu Agmnrnt u subjw to amtodchm o conform Id the Rules. FwM, SPS -EFT my, fiom time tD dim, amend any pmvuun ofdhu Ageenrm, ircidag, widhom limkuior thou reluinC o
the fm ad large payable by MERCHANT by providing wrutm entice to MERCHANT ofthc amrndmw, and the mandchnl shall baorte eRatia wins SPS-EFTarriva MERCHANT's nmke oframination ofthu
Ak'rmmcnt within 7 days. Ama knoms due to change in the Rules or an,, law orjudicial dddsun my boom eR,aive on each shames period ofnme u SPS -EFT my specify if necessary to comply with thaapplicable
Risk, law or decision. No otM mandamus or mdifiotans to this Almaden, will be efleetim unless such darye are reduced to writing ad me signed by the duly authorized cony or panics to this AQmrent and ouch
Amendment, are incorporated into and smile a Ism alibis ddcochnl,
17.8 BINDINGAGRFEMENT: BENEFIT Thu Ageemenl shall be biding upon vd in�nemlhebenefid afdhe panics Mea ad lhoRrapeelive legal memesenntivu, sumesmrs and auigm. Thu AQeemedBnol ler
lhobemhofanyotherpeon w mth passeserrwry shallleaanyrigaagnlml SPS-EFt.
17.9 ATTORNEYS' FEES. In Ila mem IM itis bbecome rccrosary ler SPSEFT to vapby an awmey to rnbra, orame, mediate or abkrate Ihu Agreement.or mllw a debit fiom MERCHANT. SPS -EFT stall tr
willed soVarveitsreazomble NUE L-1fav,esu,ad dkbommmmluedmsuchwitht Ram MERCHANT.
theGft RHINO eW VENUE S3 RISDIQed, MERCIBANT Shall maplywith the Rules, Regulation Eo(Ihc Fedaal0.anve Bmad,aNT the Elwromdc FuNT TnmaSfs Aq. the AQeermishhallbegovandby
de law of the nate of Florida except tlnse cab ides, Co to of0kil of Uma. MERCHANT Acknowledges Rut Ihu Apeanmt wan formed ro Florida upon its aAceRanca by S conawa. All panics hereby submit to Iter,
exclu17.11 vEVERtBILadv If
y thepro State ofFbrldm Cowry o held to be illegal,
D'udkl Corinlerthe le,inw Dutds dpon. bs lerthe emanimproposes ofany in alanonaimingincowadaning sued Agcemcnt.
17,11 SEVERABILITY Agurnar If airy other pro of diens AQamem a held l ho ith in invalid, of efleat cal this
b whole tin pan, by court decision, statute a oak di abto de such medot shall rod aRn my other
provisions is th'v AgrmneN. All other provisions or pate IMmf shill remain in full fora and eRecl W Ihu AQenrcnl .lull, o such car wmtarcn, be lamed modified Id the alma rr.'esvey to added mfomuble the
provision
cof
17.12 HEADINGS ThERFST p in leu Apachd are Nmemity macre end adder the. They shill ma be dermd a MERCHANT
AQnment a&Ps-fi rot aRm its y interpretationin
17 13MER SECURITY INTFReA d lis This tmyfirAgreement u a samidy agreement uredo the Unlfom [animated Code MERCHANT inns m e A EFT a security infant in and Ito spam y the ache designated by
MERCHANT Account,
wed and all furls rc any Itch hu each attall MwMrm IC. mace easing fur W, (ti) the Chvgcbxk and Raton Reserve Anawl (u defied mysix,va)pi and all f1NTs s any lime in Ila Char ands ad
Ret Nn Reserve Aanwt .. the struma of such foNTs, (iii) all MERCHANT'. siCal reading the b INs AQenncm including. wnhoud Itmiwun, dl dams m meow- anY Wymans an each. ander, this Apernlaa: and liar)
dl MERCHANT deposit accatuus now owned m Meana uq. ME and the T suddr fall S the and app (ter SPS -EF mho "unwed Asn to s Upon request ofy floEFT, MERCHANT will taupe oat or moa financing
woman
ants It atMd in
to evidenm Ihusaumyunrest.MERCHANTllshomullof METandaNT',a SPS-EFTha thas; luhes m and lestome aanynum bt son ME Ned fort he Trfwanofanysamrky
o t him te lien potted u NT Ageetmmt. o pa smmity imus ad Iter will some ata of MERCHANT', , banned udll Ihu APS -EFT and amry other agammd Mwem MERCHANT and SPS -EFT ,my including. but
out Itmilki to, MERCHANT'S SPS -EFT
Id pay anY annunts d. to SPS -EFT. With nepect to Ruh scour t banned In liar, SPS -EFT will have All right aRodd uNTm the Unifom Commercial Code, my other
1714 EFFECTIVE
ATE, SPS EFT mYvwueae rights ions las Aluminum cceptace mow amryameuds due to SPS -EFT uridat. without limiulion niece dfuc-oRaNT remupmma.
1714 EFFECTIVE DATE. This AgamnrnleMlbe effective only upon amepsrce by 5P5 -EFT.
POINT OF SALE (POP) -ADDITIONAL TERMS AND CONDITIONS
I. REQUIREMENTS FOR PROCESSING ELECTRONIC CHECO, MERCHANT shall comply with the following conditions when promising alum nk checks ad agar to murder, all swanand in Accordance,
with the previsions, dithd Agawam and such min ofapeatan as; my be established by SPS -EFT fiom time to lime MERCHANT shall mesa only the following checks az source diamonds to adduce ACH debit mtrin
dough 5P5 -EFT; W All demand deposit amrrat checks Rua be&awn on in payable enough a fadrally hsmd depoettaryFinancial bsrilutmm be mechaiw>rwdablc MICR-cncodd with the bank rouit, mamba.amain
numbs and chick sweet andses Prod on the chat, ad be for an anmwnd lea than the chat limit asigmal by SPS -EFT Hal MERCHANT shall obtain proper Identification , in rho lam ofa vald doe's licence. Rom the
cunmm a az m verify that the armac As awth rid to negotiate the duals before submitting the duh to SPS -EFT for athorbaun (c) MERCHANT shall obtain a ammo authorization in the bum of a signed ala
aRt for curb chak transaction submitted ler ekgmnk processors; Ill MERCHANT shall amen each check through in POP MICR recta/check m in abate ciwrodc mmrsog. MERCHANT shall we an
electronic gate amended to a POP MICR mu1mdeck sawn to Carate end prim all edatonb check sales raeipt, lel All item, gods and swim Pumhazed in a single wooAcnon shall M trcduded in the total
amowt on a sogu ran raiam; (H At the time MERCHANT initiates authorisation with SPS -EFT, MERCHANT warrms that turpentine ime ntog the chak has been properly identified ad is totally sudio ued to present
the Chad, far Py . Once SPS -EFT audorva the transadum MERCHANT sholl down, that dw customs Ihu pawed the dark signs the seriph ard legibly mins 1whe mast full mime ad tckplione numbs by
hand To be valid. MERCHANT shall come the bllowbg: 1. That the wlv rade contains the following mum infonmtiam (a) de amomm's bank award numM and the check random Ram the MICR data: (b)
MERCHANT'. mnrw mm ad budas address; (c) the due ofthe tras.do; (d) the laid cash pna oftho sale inaluding all applicable sett Waal or him[ smcMga ad two) coma amwt to be charged ifs partial
payment is made in rasher by credit add or Ian aurum to be charged As the remand; baarce owing aflm the deposit has banmde. (e) Aflm exsloma sigh the receipt, MERCHANT shag deliver to the Pusan prccrnug
the chole a no aNT catrpldd copy aaho ales raxgx;(O No check my be ahaed afls SP&M auftu acapunccoftue chmk MERCHANT my rotresuodt acheckelecommiwlly or deposit it bymy Ram,ape
SPS -EFT suhoavn a swacttum 2. MERCHANT Shull wake the cusmt phos number and drive's limue mother ofihe mstomer on the face ofthe check. Failure to comply with the above mryrmrcds will, in audoam
to mM penalties (such W but cat limved to los of jamenta of ALL taaso a umd, subject MERCHANT to chargabacks or wkhholdinC of foils and my be Qawds ler imund rte suspmsaNlmniman ofsavim and
odechifiman of SPS -EFT by MERCHANT pmadam to this Apamend. YOU UNDERSTAND THAT IT IS A FEDERAL VIOLATION TO PROCESS DEBIT REQUESTS AGAINST A CONSUMER BANK
ACCOUNT WITHOUT TBE ELECTRONIC CHECK WRITER'S EXPRESSED AUTHORITY. YOU HEREBY ACKNOWLEDGE RECEIPT OF PROPER NOTICE MAT THE USE OF ANY
COUNTERFEIT, FILTIMAJ5, LOST, STOLEN, OR FRAUDULENTLY OBTAINED DEBIT INSTRUMENT TO UNLAWFULLY INITIATE A DEBIT TRANSACTION IS PUNISHABLE BY A
MAXIMUM OF A $111,000 FINE, IMPRLSONMENT FOR A TERM OF TEN YEARS, OR BOTH. IT IS SPECIFICALLY UNDERSTOOD BY VOU THAT ANY TRANSACTION EVENT INITIATED AS AN
UNAUTHORIZED MANUAL ENTRY OR DEPOSIT BY YOU AFTER YOU HAVE RECEIVED APPROVAL TOR ELECTRONIC DEPOSIT OF CHECK (5) OR IS INTENDED TOR ELECTRONIC
DEPOSIT SHALL BE INTERPRETED AS AN UNLAWFUL DEBIT TRANSACTION PURSUANT TO THIS NOTICE IN THE EVENT OF SUCH A VIOLATION, MERCHANT AGREES AND
WARRANTS TO HOLD SPSEFT AND ALL OF TTS ASSIGNS AND ASSOCIATES HARMLESS AND REIMBURSE SPS -EFT FOR THE TRANSACTION (5) WITHIN 24 HOURS OF SAID
OCCURRENCE IF MERCHANT REFUSES OR IS UNABLE TO REIMBURSE SPS -EFT FOR ANY SUCH OCCURRENCE, IT IS EXPRESSLY STATED AND UNDERSTOOD THAT THE MERCHANT
IS IN DIRECT VIOLATION OF THIS AGREEMENT AND FEDERAL LAW, AND SPSEFT WILL PURSUE ALL LEGAL, CIVIL, AND COLLECTION REMEDIES AS ARE POSSIBLE UNDER LAW AS
REMEDY.
2. UNACCEPTAB�IONS a) MERCHANT shall not procw my temporary checks or darks that do not have the mooned', drawn mote, ddress ard phono numbm meprmed on its lacer, (b)
MERCHANT shall not clear totally prams my ducks drawn on my deposhorymstitmion that At cat formally insured or part ofthe ACH network (c) MERCHANT shall rot ekmronlwlly mama my checks dawn on
mho pamml checking atoms of MERCHANT err any of les atmrs or mrbyar, (d) MERCHANT shall not Accept any Ihkd party item ler electrnnk mocesors or dicks mode payable Id "cath' or "ams'. (a)
MERCHANT shall not adept a traveler's cheek, moony order Poland check mamlm deck or sight about. IQ MERCHANT shall not submit for promising my transaction rprescnting the financing clan existing obligation
whether previously awed to MERCHANT, mumg fiom the dishonor ofa check or arcing Ram a aedk cud debit cud or socarat wall dispute with the MERCHANT, (g) MERCHANT shall not wheat a demanded for
sm iceco aw. represents m attmrt m co11w for
I aebuk. Ila) MERCHANT shill cat submit a chak women far Clods ar saaim aM are not caI) MER y AW , m the rudnec, .hiud anY cheek Sam for a
scare comsat, gid emificate, a layaway kscpc fed Iter final Payment) m for a similes caadaaidn, or Tor gooN or swim povided m a thud party, (il MERCHANT shall rot submit a eMk whkh camavu eoSmes, or
which lathered. anlu the akentan u vitiNed by the mstoma at tune of pesmatiom 0) MERCHANT stall unknowingly subms setback on an annum which SPS -EFT previomly denied amherizoom MERCHANT's
shmaaon ofatry.fthe about tramaabm b, eleceona pcoming tray mbjm the MERCHANT to invrcdste suspembn or temtiwion, oral all funds ofMERCHANT, incldag these in MERCHANT'S amount, may be
pscalonheld This will also mmve SPS -EFT MSG.. Common avenge form ALL Marks.
d. SPS -EFT GUARANTEE CONVERSION, The SPS -EFT POS GUARANTEE CONVERSION provisions we operational only if MERCHANT has narked do SPS -EFT POS GUARANTEE CONVERSION box an
the application form of the Allotment. If MERCHANT box Out marked the appropriate box. MERCHANT has mgagd SPS -EFT to provide for each check: verification. Much me fishes minkr and certain collection
sa vara Iran markd, MERCHANT wuhr SPS -EFT In provide a guarwr for reimbmmmust.fleasa mstNrd by MERCHANT in incepting bhak, for electronic procuring. In ddaion to theprovuam pwamly m
foto sual rnrwithrading airy privisiom to be contras, SPS -EFT has esabluhN a per aroma Gumm Linda, , based on a percentage of the faze amount army and all decks premtd at MERCHANT's place of
bminca or at odor lumiom which arc luted in airy amsclumnts to this Agreement. subject to the tom and conditions ad firth in this Agrmnem. SPSEFT shall roundhouse MERCHANT For Schedule, up b the Commit
Lima, u munuad ft.H the data of vnificabn of ren -payment, subject to MERCHANT's com Mro with all of the tams and mdsbm command in this Ammrcnt or my of SPS-EFT'a other publahnl bntmnom.
SPSEn atoll love the right In djuat MERCHANT'S the nro]ding SPS -EFT POS Guarmtm Cannan arc bad upon iu mk dda miom Eazh monk MERCHANT shall have aecm to mused wmm of
Moment check deposit. SPS -EFT dull proms cop to the deck limit mabland for MERCHANT, but will Out he ncepomibie for omed ement of m¢km comding the MERCHANT's approved guaranine limb. TN
filawing trmvction types arc not inddd in the SPS -EFT POs GUARANTEE CONVERSION smite, sal SPSEFT assumes no liability for and will provide m reimhmsemem for comm m a follows: boom
MICK &to weds. unable to bate ¢ann or invalid amount camber rerarn, customs elurgebaeka or customer revocation of any rnrsman POS Customer Convention ninhunement shall Only serve to cover
MERCHANT lanes due to, NSF returns, and Iamlfialmt Funds returns up to the pr account guarantee Unit, placed In the approval section or the contract.
<. . In add'nion to that, provisions so farm in this Agrmnnt and rotwnMtading airy other
pavuam to the contrary, SPS -EFT shall have no Wiliam. Ice rcimbuac MERCHANT for ducks that art (a) Not brood by the customer's fwaial.minion beaux ofthe casmmbr's imtnmiom to -stop payment" on
the check: (b) Fmdulme. winker MERCHANT. N employees or agnea arc involved, ehhr as a principal or a an necessary, in the sxmnen (c) Attained by MERCHANT or its c ouloym with advance kmwidgc oFthe
IikelUwod.fbub gdislnarWme tbughmlMrudby SPS -EFT; (ill Lor, rNen, altaN or almtafeh, and SPS -EFT has reason to bmf a that MERCHANT failed to use ressawblc mac or verifying the stain's
Mostly; 10 Giver m a srbmitute fora previously aucptN dick, wMha cr rot the pmiom deck war autMrucd by Company or, my check upon wench MERCHANT lam aecepted full or pmsl paymem: (0 Onoof
multiplechrism; (h)Nto MERCHANT inasingletsinancial foreknromdepracurag;fi Foo go ods, ifbegoods are mbsment-herpoad re by aunm. errcnPmmisft by ME RCHANToritrnMHa, heha fiawhiof
dart C ANT se; Ihl Not Mroral by tae comomur'a Financial NTuan brace oFthe fby S oL tincturing c m gavamnem-apted restrictions on previously
fiom the mmusumfinancial institution; ce Clarks Por which
MERCHANT mnF cum back I. the ance with
meas MERCHANT a appr.vd in th s Ag Agreement;
EPS -EFT Pore arch nth back; 0) Checks for be (a SPS -EFT pwamly denial amMrid sero Ile) Not er atrydianrt wib los
Wapreermm m rot pocasN in sax . condition rce with the check pomsing pMERCH N tau ADeenrmo fel a perso MICR dais sant to reads: Int) on ma ro loan account or cludin aroma number rano. In ddi or
before pocesaion the check ncl di amot nm Mooring the check. MERCHANT hill obtain rmal . preanal extraction..1. to locate the pawn paerarµ the clock, nmding inn Out uncal u a cannot n home m
business telephone numbs including sow ode, a arm home adbur mmarag of a rrm or Coal route ddess, rot a poo, Etfice box, ad the ctutomer', lid, unwp'ucd driven', haeme mnber or tun -doer
idmmn an theme
rumba lurks r with the roe of amerce. MERCHANT shall amen nhar this almifyim ofomalan u legibly prinnd on tat chat; Irl Chocks moa have a aures phene nurNta ofatnoty imparted or
uTinrn an dune lo) Checks rear have driven licaae woistO an them
ACH DEBIT (PPO/CCD)-ADDITIONAL TERMS AND CONDITIONS
I. EOUIPMENTiSnFTWARF MERCHANT marl intoe a SPS -EFT -approved paynem gateway, voRwarc, and approved treated of elmur.nb file tratlmssion to we the SiganiumAHMrbed Payments servim
MERCHANTS who utilize elmromc file mmmusan will ort raeive the benefit army p>veifialionsmka to dermnoe ifthe CUSTOMER's amount or drinars license is Ragged by the nen oml negative databac far
unpaid item, which may rauh misigeo mum or liesup bazks m MERCHANT'. amount. Ref to SoRwarm Roaoremew suctions
2. REOUIREMENTC FOR PROCESSING ACH DEBITS MERCHANT shall comply with the blowing coditiom when pauraQ ACH Deduct and aDm to creat all transitions in accordance with the
pavaam of Ihu AUmnm and nth ala of.proton v may be athlahed by SPS -EFT fiom time,. Linc MERCHANT shall accept only the following ACH Order an muter comments IE chime ACH debit mlries
through SPS -EFT; hal All daurd clarion mcoust ACH Debits must be drawn on or payable through a fximlly mitral depository flmrcned institution; he bored on checking accounts wham checks were issued with
mmhivn odabte with the bank Coming number, annum orbs ad check sale] number Primerica theetak, std be for an mesio k„ than the duck limb assigned by SPS -EFT. (b) Customer shall mdwrtic by nigmturc
wrimrn specimen containing ACH Deb, amount and day ofmonlh to he debad from cuslamn's su mum. (c) All vena, goads and smim purchased in a single transaction shall be included in the term arornr on a bum of
proof of pmcitasc (it) To be eligible far,,aamr coverage, if grarama renter won seemedby MERCHANT ad improved by SPS -EFT. MERCHANT shall have "am provided an the nigvl written payment
agreement sufficient inbrmazan to verify and tome curomcr, including ddress, telephone nunber. drivers ransc number, next last fon digits of cmwmbr's social security mamba or your ofbah (e) Once SPS -EFT
sutMrirew the tramaniom MERCHANT shall committees de pratof pmhae minim the blowing corm afarmaziote la) the curmner's beak roving ad account mamba Initiation MICR cars; (b) MERCHANT'.
rzect one and business ddrers; (c) the date of Ila tramnbn; (d) the Intel cash pia of de alt Grinding NI applicable rate fatal or loaf smclargw ad tun. (e) Aft. to. Mount acaNts the mccipt.
MERCHANT,haII deliver to it. parson paroling the ACH Debit a arc and enervated espy ofde proofofpmrlum with the gads and services Purchased; (0 MERCHANT's failure to input the coma mining numbs or
aoum number into the Virtual Terminal dnal will ult in MERCHANT's lou ofgmcamec for the ACH Debs. (g) No ACH Debit may be mutual mur SPS -EFT amMhes marsme CH poflhe ADebar. MERCHANT may ml
aubmitanalmmnoduckor ACHDasdmrobject or MERCHANT
to trymans once SPS-EFTatnlerizes arammbn Failurt to apply wdththeabove«qusemmawill,odddtion toother CHANT (suchsshet ort
Agrotoba ODUNDronail ACHAT IT subject MERCHANTladmghazks admaybe DEBIT far QUESTS sGAINTACONSU.(swimad iCCOUN WI.TSPS-EFT by MERCHANT Wuamro thin
ED
AUTHOR. Y. Y UNDERSTAND THAT IT IS A FEDERAL VIOLATION TO PROCESS DEBIT REQUESTS AGAINST A CONSUMER BANK ACCOUNT WITHOUT THE CUSTOMERS OBTAINED
DEBIT
INSTRUMENT
YOU HEREBY ACKNOWLEDGE INMATE
RECEIPT A PROPER NOTICETHAT THE USE BLE YCONSTE0.UM FlCT,000.0,LOST, STOLEN, ORFRAUDULENTLY OBTAINEDDEBIT
INSTRUMENT O0. DEVICE TO UNL1W FULLY INITIATE A DEBIT TRANSACTION IS PUNISHABLE BY A aIAXIhIUh1 OF FIU,OUg.gb FINE, IMPRISONMENT F00. A TEMI OFTEN YEARS, OR
BOTH.
), UNACCEPTABLETRANSACTJONS. In dd'uion sea thea) ME iCHser out above val in airy went the fallowing uoracrom are umcmpuhle for elmornlc procurstc. MERCHANTspm rd m nbmN my of
the foliowsm vamxtiom m SPSEFT Por elecooNc Promisrg: (a) MERCHANT shall Out ekcuorriallY proms airy ACH Debit dawn on mY Jcpository inmimran ohm u ear (dmallY Toured organ .(the ACH notwotk.
(bl MERCHANT shill rot elmroNally poem. my ACII Usbh drawn th the pmaml beaking curb
or c of MERCHANT m my of is not
s or mploym, Ii my maxam .lull ml ionep, airy bled Pony ham far
eknrono pro®erg or ACH Ohin made WYabk when the pupoxafar tN nmotvwreair ashmruh6 Jz (d)MERCHANT shall rotsubmit for promsitlg Oyrmnsanion zeprnereing theft.)MERCHANTMittg
n t sub ou wMhss pwbtly owal promising MERCHANT, is an fiom be d'alnroa ohm ACH Dabs, ERCHA click m avog Gam a medic aN, chit and err our and dapuIn cash the hE onalty , via MERCHANT shall
earsubmitnr tanforn.6,i whishmannaanmtmptIn film �ral aebazk, l0 MERCHANT,hallear. or for
an ACH Debit wmtrnfordadserrcavesIhat me Out MERCHANT
pt sommto the CH Dain,
adding any ACH the
gdvO Por OR cayifiaM a CHAN ( bell r for IN flint paym it a or far a Debit
onmmmtu t or for geode or services Provided ie a Ibd party,io ICI MERCHANT shall net mbmit an ACH Ohio
wantsualtered bytheMohanosorryway Ib)MERCHANTANTI ortkeduato ssubmitoACH Deliaonan daecom on which SPS -EFT plwamlhsand MERCHANT'S
MERCHANT'e mbedan hofmy ofnhe above
haroaclbmfarTACTID RITGUAmaymbjmale MERCHANT toimHNiate nmpman errImNmaon nalhbalm.(MERCHANT, includingitGoMERCHANT'Sacc.Bm,army be plazalonheld
4.m SPU-EFTACHDEBRaI tARANTEFTae ACHDhil Grarantaprovaioma.coveawlsmy if MERCHANT 41,moulardiACH the ACllDcbs Gvaamat fon lexilf appllearian form oflMagrmrcnt MERCHANT
oma mien the SPS -EFT Virtual Tamel to Rmten Por OumanRa cav artesian
Gvmr coverage u oNy ..liable for Simile ACH eb its scrvaa and rm roar offered Por Featuring ACH Ohs servicer. If et nuked
MERCHANT wuM SP5-EFt eco provideagtuanr Por rdnbmscment.(loras nmtNrcd by M1IERCHANToazaptog Sagk ACH Ohiu for elmmnb poccssing. In adiented tshep HANT'pnaomflserlochamt
ro ere locadog arty pavuam to the contrary, SPS -EFT lam atabe t. subject, a PQ a®ma m mal c Lnmit bad an a paenagofthe fia mono of any of ng cheda ANT fi al MER[. up to he Ef Un or al
obs bafom which ae Ivaed is airy azlahments to tau jecramcnt,HANto tee tom rad h all tam ser farm in mice Agrarianism,rami SPS -EFT still tate or MERCHANT of Schedule. d to red G.I.Gr Lidh ll
have do right
IN doe MERCHANT'S
of ronpuding Asubject it MERCHANT, conpNme with all afrhe Cairn and h =ohm MERCHANT
in shall
ADecmcm m arty efSPS-EFTS alter EACH D butmnkm. SPS -EFT shall
have Ila rightmdhec MERCHANT'.me Including ACH DebitGmrabe rate based upon issokd 1f,hxn Eachmonth MERCHANTstill Nve occasto atstnnrmsd summary ACHDebi)dormant. 515 -EFT still
protea up m the Nuck Limit mhluval Por MERCHANT, lona will mI N rnpotbk Por i ie n memmt axont s exmNimg ale MERCHANTS approved guarwrlimit.uThe following tramaaions typo arc Out included
a the ACH Debit G.M. Cavi¢, W urns.oSPS-En atsumes an lawkity for and will provide er r .1 co nnent for Merchant
bon r fallowa ce .1 MICR data miry, enable to bate azco oo w invalid aroont numbs
cermet, n offs s. ACH Ded Corporate comma. curanc chaall mal, or uwmer revERCH of any connotation. 1. M1tncham aDod to provide airy he per l terminationima to SPS -EFT placed
o. the sp odd It mat nn
mllmon eflbm. ACH Debit Guarantee rtlmbunemenl scall Doty serve,. corer aIER[IIAM Ivan Jue to ImuMalent Fonda rcmrns up I. the per ¢count Qumntee IIM, paced In the apprwd .,It. of the
baln<L
S. In addition lE ted pavuam ser forty iaha ADectnont sal uctwiGmandtp any.leer
provisionsprovisionsIn rhe contrary, SPSEFi still Nn anobligation to odmbme Mvclunt far ACN Debits that arc: (a) Not herood by rhe mmmc'a fiwrcsl dmrimdnn becomeoftor anaamer'e instructions "stoop payment"
on IN ACH d of eb) ss,duknh nd eve MERCHANT. its orpbym or ; (it)
Lose,
VoLm, share ss pindpel or a an az SPS-EFT
has
de amuse; lbelieve that M by HANTcomMartr di N nryloYu wnlik donne kmwledg the
lee orer's We of ser being nan a su wen though amhoeily by SPSEFT; Id) Lom, CH De haal or Mor amfN, arm Sus Elo has ruck m ACehal MERCHANT field m use, rt . may A are in t upon g the
metumn s Nent"P lel Given m a mpranne for 1 previously aecepld ACH Debs a ACH Dhil, whether or nm IN previous Ekcrala check i ACH occo cam ram mined by Company or, the
ACH a i upon whish
Maclum has oar o NII H penial payment; 10 Ore Mmuhipk in 65E c ch¢W aro ACH Debit pamtal w Merchant a a eagle oamanion for electrons proaaCmQ; (g) Por gwadT, if de goad. are subsequently
raunN by nnaomv or reporm the by merchant to ]int (it AC caws h3 days of date hent name Ihh NH Mmrd by Ila c unless s fimrosl i approval
I..,mi of ted fillme of. Ila cbaing sof, or govamne s; U) ACH
roticnans onwiandawak Gam the financial institution; (it ACH Oebiu far whish Merchant mums ash bark w red cusaonn, unless Machan a approval a wosing by SPS -EFT for each cvhbazk trotmiom: Q) ACH
DhN farwhamount EFTprwmlydenialamMbleto In(k) ACH Reba.notin coamint mcash los aDenrcntandortpoassalinaecoedacewith Ihe ACIIDebspor forrecprovheA HDeit sial. is (II Main.
Roman and ACH Di Numbs dao NT s Int) amble ff bale aaatm or invalid azmat numbs mum oz run; the AC mrwme sumo mums. In dto a c Nfarc pomsdng de ACH man said er i codsan tu
Mmrag the ACH Debit. MERCHANT shall hissrnormsufficient peccant infartmtion to bore red person pnmaar the ACH Debit including Wr ear Burned number or
amrrdd Mme of business .tor re utebw th tdinQ ora
ode, a caveat Mme ddons comsrirtg ea a rum ls cool roma ere a,a, nota par afire Mead IN MERCHANT
Poul muexpad erhsid Mue number ti roes -Diva Mortificationnnunber Debit
case red rant of
amara, and the bit Tom digit g comer's most steamy number or year of ober a YYYic farms. MERCHANT still azure des this at coning of Ion r' IeDbTy printed an n dam ACI Dcbll Paymms Agrammt
famesInc ACHDebitit reuntAgreement Allotment
bon amtamain aountocoment phos amberimMumu; la)ACHTe, Paym1. ADccmm tformrtual anmintheulna(sdrivers Isaac number;(p)ummnTarms crwr®voted
comploncalMERCHANT's
ACH Dos Payment ADtenenl form within q8 tours of SPS-EFt's requaR: (ol MERCHANT. silurc no input veno the Virtual Terminal the sem roman number anNor aaomt numbs will rent, a
MERCHANTS loss of jmaraNa.
CHECKS BY PHONE (TEL) -ADDITIONAL TERMS AND CONDITIONS
1. EQUIPMENTISOFTWARE MERCHANT ram mifue a SPSEFT-approval payment Ipamay, software and approved oohed of elect fik Dansmasion to use dw Tekphom AutMckW Payment.Cala.
Merchant mut submit a file for testing puryo am prior to ming the TekpMno-Amharud Payments sono. if Machan, milia elecwNc file uamenis an Me chane cab utilise ekarnme file trammamn will not malum
the beab of pro-verifiatbn servim to derordne if the CUSTOMER's marmat or drives', lit. is Bagged by the mtional negative mabaze far unpaid in. and may «nth a Willow rerums or chargeNeW to
MERCHANT'aamum.
1 CALIBRUS RECORDING SERVICF. SPS -EFT las mabluhcd arestamap cash Calbu,lm.In provide remNirmgarnica R¢oral'mgSwa¢arctha lnimary melNd of oblaininp customer amtoniralam to
aaaa des am unl in order to protan a Chuck by Phone paym rt. If MERCHANT has conp]ad the Re mdiN Service Additional. thea MERCHANT wishes SPSEFT also to provide Calibms Recording mention ,o
MERCHANT. If MERCHANT ha, rot complerN the Recording Survive Addendum MERCHANT must obtain cunomer's autMrivtim vs Wrslnm AvOnrvatan Farm and such farm most be approved by SPS -EFT On
dunce, MERCHANT has Conned .for remrbeQ xrve sec Becoming
Sunicl the r¢oedog azar. information on the Mmhant INortmion gerl submittal with Ihe Checks By PMrc $mnT Applialion Separate
mommyand!mage F fmapply for CRE KS BY PHONE MERCHANT
w REQUIREMENTS F gr PROCESSING ando Ke pe PITO MERCHANT still amply with the tin to
coalition when pamsag ekaonlc checks and agrees to ded and NI phone um in a®Nr by
with de provisions C a ADemem and such mks N oPmrinn t ray to Comm( o by through
th from rime C ton CUSTOMER will provide drat Information vs MERCHANT
oral telephone wdwmmon or by
Completing A written ACH auship is
(oma MERCHANT O ER has rsd ro pome havicim, uga tau MERCHANT
NSTOMEIt does ort Nn a pecthern relationship with M1lE0.[HAM ad MERCHANT insimd IN
all. A pe-cxdnnu m.f mop 1 ssubluhd if the CUSTOMER lam CHANT hall =opt
mom the MERCHANT wither the Int two ears st H disc a a written aDrmemt in plaza bmvam the merchou ad Ila
pmmictfor provan.nofgoodsor xdm(ry aservecontutim MERCHANTshillle MI only arkblowingsones Iasaltine ACHdadamaria though SPSEFT:la)Allnd to$ depth azcoontsmotbedawn ono
EFT. ((bough a ANT sha ituoal depository finarcol irmituMn: hemachine-resalable MICR -crooded with n a barbemmer mlltb¢ and aanat Camber, nal he far, an mrovm Its Ilam the check limit nigral 6y SPS
EFT. Ib) M1rFRC11ANt still Obtain pop¢ idmificuan nn the form of a valid driver's li<eme number mom tach asoma Id MERCHANT still .main a conory euahoruoion o the form of a signed wriom ACH
..::: IM I I"A I,
authorization fm or by recorded oral ACH author action for each mnsaction wbmoed for ekeamde procnsing: Idl MERCHANT •holl wthon er: each ACH tru reaction through the SPS -EFT Chmks by Phone Gateau,
baled system to initiate eleadome processing or through approvM file mmmusbm (c) All item, spends and services purchased in a single trarnsetion shall M included in the rural amount on a single ACH auaarbnion
arm On m=nded oral wthoraatbn; Once SPS -EFT audwrizes de tramadion, if MERCHANT mili¢s written ACH augamu.nam forts, MERCHANT shall emuc that the =amen that prtsetual the chmennk clupk signs
the ACH antbnzuion farm or hse provided recorded oral wtMrvation To be valid, MERCHANT shall rnsuc that the ACH Authorization fm or rcmrdcd oral ACH ANMriamon mmahu the rotreer consumer bank
routing, .,a.. and chack wmbns Boor. the MICR data MERCHANTI ... ante and udephoue wmh; the data of the traman mu the total cash price of dr ale (including all applicable sate. federal or local
.charges and tun) or the amount to ho charged if a partul payment is made in cash m by andit card of de amomo W be clnrged a the remaining balance owing aflm the deposit has been made: Custom's personal
infomution including ben Out limltd CUSTOMER's fll mm, mistress, telephone somber, drivers license sate and number. Ian fw of social seasonal numbar or date of birth io YYYY faaw, disclosure stattmcm that
CUSTOMER tvtlmtaMs Mahe is walandme; MERCHANT to proem On ACH debit May to the CUSTOMER's account k ID After mraorm signs the ACH ANMrication to= or clearly agrees via Retarded Oral
Awhorbtim. MERCHANT shall deliver to tM par son..naming the ACH muaaaion a true anal completed copy of the sales r¢ciln via email, fmimile, or gain receipt mat be, included with product shipment; HU No
ACH auahonation form or r=rdedoM ACH author tion my be altered after SPS -EFT au0 Z aeeMam of the ACH Iacmaztbm MERCHANT my act nerubmil MACH mrsanion electronically or deposit the
original source dot by soy comm, me, SPS -EFT materizes a maturing; (h) MERCHANT'e Bilue b input the rarteea mating munber, a¢aunt number, or raording service call amuaree number into the CHECKS
BY PHONE Gateway will scroll in MERCHANTs loss ofgumeasee mil, IM CHECKS BY PHONE Forgotten. Failure to comply with the above re luimmma will, in edition to am penalties (tach as but net limited to loo
of gumme, of ALL mmanbm), subject MERCHANT to ch m ebazks or whhMHing of TMs and my be poands for immedute surpmsioNtmnination of services aM indemifwarion of SPS -EFT by MERCHANT
pmmm b this Apr L YOU UNDERSTAND THAT IT IS A FEDERAL VIOLATION TO PROCESS DEBIT REQUESTS AGAINST A CONSUMER BANK ACCOUNT WITHOUT ACCOUNT
HOLDER'S EXPRESSED AUTHORITY. YOU HEREBY ACKNOWLEDGE RECEIPT OF PROPER NOTICE THAT THE USE OF ANY COUNTERFEIT, FICTITIOUS. LOST, STOLEN, OR
FRAUDULENTLY OBTAINED DEBIT INSTRUMENT TO UNLAWFULLY INITIATE A DEBIT TRANSACTION IS PUNISHABLE BY A MAXIMUM OF A 510,000 FINE, IMPRISONMENT FOR A
TERM OF TEN YEARS, OR DOM IT M SPECIFICALLY UNDERSTOOD BY YOU THAT ANY TRANSACTION INITIATED AS AN UNAUTHORIZED MANUAL ENTRY OR DEPOSIT BY YOU
AFTER YOU HAW RECEIVED APPROVAL FOR ELECTRONIC DEPOSIT OF ACR TRANSACTION (S) OR 15 INTENDED FOR ELECTRONIC DEPOSIT SHALL RE INTERPRETED AS AN
UNLAWFUL DEBIT TRANSACTION PURSUANT TO MIS NOTICE IN THE EVENT OF SUCU A VIOLATION, MERCHANT AGREES AND WARRANTS TO HOLD SPSEFT AND ALL OF ITS
ASSIGNS AND ASSOCIATES HARMLESS AND REIMBURSE SPS -EFT FOR THE TRANSACTION (5) WITHIN 34 HOURS OF SAID OCCURRENCE IF MERCHANT REFUSES OR IS UNABLE TO
REIMBURSE SMEFT FOR ANY SUCH OCCURRENCE, IT 15 EXPRESSLY STATED AND UNDERSTOOD THAT THE MERCHANT 15 IN DIRECT VIOLATION OF THE AGREEMENT AND
FEDERAL LAW, AND SPS -EFT WILL PURSUE ALL LEGAL, CIVIL. AND COLLECTION REMEDIES AS ARE POSSIBLE UNDER LAW AS REMEDY. FURTHERMORE SMEFT'S CHECH&HY-
PHONE SERVICE 15 NOT APPLICABLE FOR TELEMARKETING BUSINESSES (OR THE LIKE) IN WHICH TIE PRIMARY FUNCTION OF ME BUSINESS IS OUTBOUND SALES CALM.
UNACCEPTABLE BUSINESSES FOR THIS PROGRAM INCLUDE COLD -CALLING, "BOILER ROOMS", MAIL ORDER MARKETING, CREDIT REPAIR ANDIOR CREDIT ESTABLISHMENT
OPPORTUNITIES, VACATION ANDIOR BENEFIT PACKAGES, AND INVESTMENT OPPORTUNITY OPERATIONS IN WHICH THERE IS NO PREEXISTING RELATIONSHIP BETWEEN THE
MERCHANT AND ME CONSUMER WHEREBY MERCHANT IS ENGAGING PRIMARILY IN OUTBOUND CALL AND/OR OUTBOUND MAIL ACTIVITY TO INITIATE A CHECK BY PHONE
TRANSACTION. IF MERCHANT VIOLATES THIS AGREEhIENT BY PARTICIPATING IN SUCH BUSINESS PRACTICES, SPSEFT SHALL IMMEDIATELY HOLD ALL MERCHANT'S FUNDS,
CANCEL THIS AGREESIENT, DEBIT MERCHANT'S ACCOUNT FOR ALL RETURNS, AND TAKE OTHER LEGAL ACTION AS DEEMED NECESSARY BNSPS-EFT'S LEGAL COUNSEL, THE
FEDERAL TRADE COMMISSION, TBE UNITED STATES POSTIIIASTER GENERAL, ANDIOR NACHA (Nalcul Automated Clearing (louse).
4. I INACCEPTARLE TRANRAMONE. In addition to the netnaibns ss, out above erred io soy evrnL the following irwmibm ace umcceptable fr elotraile prornsinsp. MERCHANTapm rot w submit cry of
the fallowing transactions to SPSEFT for docamic prmnsing; (a) MERCHANT shall ort electronically proms any detrode checks drawn on any depository institution that u Out federally insured or pan ofthe ACH
mwod.(b)MERCHANT. llroteka.,dmllyprocesssoyeltetrodechtekzdrownon Ihebminnserrpeuomlch gacmuntofh1ERCIIANTorsoyofbeagentsore loym.(e)MERCHANTalullortacceptsoy
third party a. for electronic Mo.,, or alternate checks for "mit" or "mah back". (d) MERCHANT shill Out submit for procnsing any tmmmlon rapnming da Maamg of an existing obligation whether
previomly owed na MERCHANT, aoin6 Som de disMror ofa chek, a duMror bans eltetroile ACH Inmaelion or arising from a aedlt cud, debit mrd m amw red depute with the MERCHANT, (et MERCHANT
shall act submit a Iramanbn fr procnsing which repreanu ft anemia No mlltet a (c,owi ack ga MERCHANT shall not wbmit ne matimnk check far goods or ssrvim that ane rot provide( to the RCHAN inclMk,
MY dmronic ACH nomination giver for a nervi¢ wnma, gift rmificala a bnway kxcrpr fin, de fel paymmt) or fr a simile arwtanion, or far goods or awion provided to a thud parry, (g) ME0.CHANT still rot
eubmitwelmtrode chnk whkhualtered by Bs, Memhant in airy way(M1)MERCIIANT dull rolkrow'u,ly rubmilaclec4 onwaccount on whkh SPS-EFTpmbmly denial authomatbrt MERCHANT's wbmissfnaf
anyof
or Chaboveomalsom 6r elamonk pmocnsil, mysubjectaM MERCHANTratimmNiLe suspemfnorImr0lation sod allfMgofMERCNANT,including thou ioMER[HANTSa=wx, maybe placed on MH
changed back Na I coECKS
5. EPS- FT H C c BY Pf10NF G UR t The CHECKS BY PHONE GUARANTEE gmlifym ve maumcm]LD covaa only of MERCHANT has narked the CHECKS BY PHONE GUARANTEE has on tit
ofloss tss Tom I by MERCHANT
MERCHANT trentutiypthe SPS -EFT Chairceshow Gatewayd to de err GOLDcovoage.Ifso marked,MERCHANT wish es EPS -EFT No provideatmPS-E erremnbwremrnt
Par,=cre Curate ME0.[HANTin azceeNageofti byplaueerr elmrodc processing, Inadti at to demolitions vtlknooko,whic any provisions; totheconmry,this Agrlarerablsheda
Par, =core =MfteLimitbashntis on a AcT ge.SPfiataurumofwy and ill Mc1becksERCHANT
prnrnledhe MlRo".thespiaraofbmbns errNnNMInaions whichucHOW timy noaaachmcNsm this Agreement, MERsubject's
IM tams nM mMltfns en fah b thin AbT¢mc m SPS -EFT dull reimbux MERCHANT Da Schedule, up so IM Guarana Limit, az mearwed from the date of t MER HANT's a including
subject C MERCHANTE
malum with all bathe term std aledaiom coNdned c this
mo Agement army of ll low. Ts mhar publahadacro til analogy S I Claac shall have the osis to PS -E MERCHANTS me irc a silt CHECKS BY PHONE
GUARANTEE rue bled upon its sok damninazibn Each ninth MERCHANT t Ml lave NT'sa ru ov hmued summit. of Chale by Phone desmins. SPS -EFT dull pncm up to the chat limit GUARANI fn
MERCHANT, but will Out M mpomible for nand wsnnem attacks exceeding Iho MER essamw approved Incoguaranteeam limit. The flowing Iraumiom Ile a uc Out included in the CHECKS BY PHONE GUARANTEE
sovice, e r SPS -E" amoral no liability far and will provide ro seimbarsmmn err Mandate
sons az (lbws: Ince tuldi MICR data may, warble to on o aroma or undid a=unt mamba roam. (X Ch UmMetued
Corporate mum, customer chall.1,sor tyle 1...rMERCH ofwysrs due to Merchomague. rprovide soy MdiMr..most.la SM-EFTonoccssionazended toasset incollectioneclbn eRora. Check by Phwe
Guars ELECTRONIom C
CHECKS FOR WHICH MERCHANT
HANT WNTlossesduetoMBURED hanfildsom Funds CHECKS
the perE GUAANTEEeIIMtpared In Ihupprwd maim oftherontnat.
1. In addition ru the provisions m forth ioecu Ap¢mrnt ad actweastardbg
MY bait pmvuium t the mormany.sec SPS -EFT shill have ro nk ch ion m ¢imbase MERCHANT for ACH T. its tam that ace. (a) Not horoud Involved. NM a as a pri fud or lean Ma n bemirehe the omomcz'a irmrmions
M "stop ANTpayntant" is the II caul iltrad ante ar and m mi'tb click; Ibl Frwdula, wMh MERCHANT, ih employed or apmr are IILoseither ere a principal or nt w azmsory, in the uauam. (c) Accepted by
FI[RCI(ANT or its anpbym with advance krowledte of tit likdihod mfits being.. sed born Though authorized ce SPS -EM (dl Lon, sOutd altered w mwtafea, sod SPS-Enhas has reason Nb balinvathad
which
htERCIIANT failed to use ressor M ae in vnifyint the =tamers ihmks , (e) Given u aCtIAW err a previously accepted thele, wMM m m Iho check was wtlto oda by Company In ar desk upon which
,t ,R IA by ME CHAWloIi.n ,wit;(DOmofmubiplefpee esented to MERCHANT ins mama formal ummamcpnmeing:ion For goods. f.thftMgng of. cwbsmumentmumd bycustotm or
raessnsed fi MERCHANT m um am (i) within 65 data of dale of p NT M. (h) Not homed by 1 mutoftes, MERCHANT
NT aun bemuse of the 6ilue of IM closing o6 err od; 0memo-imposed mh SPS- on
pranioawals from the fimMil imoiiot i c Cholla err which MERCHANT norm tech balk as tit rdance with
wdns MERCHANT u anproml in writing by SPS -EFT err such ¢sit hole; (jl [hecka for which SPS -EFT
pamently denied wlhonalion (le) Not u compliance with ddr Ayrcvuem W act pomsd in azmedan¢ with rhe ACH Irwasion paCnsug ptvubm of (hie ApmmN; (n Inmrtm Reweeg aM MERCHANT
Numbm
damentry: (m) umiak to bate a=wt m invalid acmwt numbs mtvch or anwdang b comorme ecmwt mum. In datums, Mare prone nu the Check and u a audition tont the elle, MERCHANT shall
obtain ate Marc pnsut & mfm office
b x. home the Foson prorn.iun the check, including but Out embed to a urrnN hone or bnmm akeMm number including arm code, segment l amt home Mdrcss ronutim of a tarter or
mal routeadorns,ortapoNofficebox,aM the CHANTsvalid,uuexpued dnver'e Ikmre nwnhmron-onm Identification AC logohwtiothe sercafuarlye and the tau furdigin ofcmaomar'sweiil.1ACH
umbo or Yee of biro u YYYra (oma. MERCHANT shill meant IM this identifying o(g klf ur. (o) C mgaly printed to the ACI( Authorization am or akaly W prmd on dse rccoeded oM aarge erg tom (nl ACI(
SPS -
EFT
re furor founded Oral HAtiorionmwtcontainamndell *an numbs,ofmhomm(o)ACHps.En,aionformor remandedoral audouuatummmlco thin the Cwmner'sdrivenliomamamba;(p)SPS-
EFTmusuuedvcthe m�letedACH allgmuniontrmerr retarded in ERCHAakn withinou Man of SP5-EFTS requns:hat MERCf1ANT's fdlueNinput info the CHECKS BY PHONE synem the cortin rouint
number, a=uto mmM, or r=relit, all sequmcewmbarwill mach b MERCHANT'S loss o(tuaramw
CHECKS By W'ES (WEB) — ADDITIONAL TERMS AND CONDITIONS
I. EQUIPMENT/SOFTWARE. MERCHANT must will. a SPS-EFT-appsaved payment gateway, soflwan. W approved method of ciectronle file traNMssion to uso the WebAwMrud Payments service
MERCHANT my In rNuked to submit a file for testing prposes prior to wing the Wed AmMmal Payments service if MERCHANT wflker elaamnk file mmMssion MERCHANTS who utilize electronic file
trwmurion will Out receive the bemf ofwy pcverifiaion services to damnine iflM CUSTOMER's a=wl or diver'. form u flagged by the notional negaise database for annual it., whirl my smuk in high
mum or chugcbazks to MERCHANT's a=wt Reim to Software Rcquvmena random
3. DATARETENTION VERIFICATION AND SECURITY REQUIREMENTS. Maclunt spm to mmplaeall tmwnimo in accordance with the provuumofthis Agrannmt, the Rules and such ruled ofopnstion
n my n mebluhed by SPS-EFa Bom tine ru rim. Melment small roau dau an file.. to Amnia rmakint of Emrirs err seem (TI bwkim, don falbwut the date n y practices
r tmmm�d by SPS -EFT az pavided
hareb, aM godly toovia of data to SPSeEFT upon its gqum. MerrMN reprnmB std warams IM it shall emwe that NM finuc s rummaging me. (in it r=ins u pmmd by r Masa polu n, and prorduo 1M include at
physical sect RC to prolan ntmml IMB, becomes, contig or damage, (til pusomel ete acons stem Ito Protect oto to uuulMrud wcee s gene, then network uan1Y to amts sear[ Wires to aerie and distribution. (iv) d
(can 138 -bit RC4 encryption tNuad (li Irl ERCHMTlly mwmbk Baud sycogdetecteon aI clearly
(vii only
the o verify rowing rombns,a authenticate canton Idmeal aM CH NT a to mtzbluh ,mens onhkm and
nmia. limen fn is m atim i and (aril MERCHANT'a Inland payment anlem muss Ileum rodfy the ¢¢loner NM They arc ty candor, w ACH accordance
wtMuabn areal MERCHANT'S emonstrat ,the am'.y ahold
abtauacuarumer, each Iamiunendu Tamedof w, clacanbailysignet ACHch tat agrees
ion orsimilarlyitsall wlhmtiatdecondurcarny codede PINIasa=ast the withde RuleaMclearlydemrom is the Cms4i'swean
to gmay lmn ere each mansaztion rvbmiclu err electronic promsing. posai tat agrm thin it )holo conduct m have mM¢ted email Tedi. m Rare Nat the financial ftware n it abaku Blom hos Cwmller u FmMed
M RCHApunkaseM procedures dist iy madi ora minimum Incl,tit pcome 1. of
in tilBrough(iii), heirovide MERCHANT or MERCHANT'S3rdparty ANT's payment gMl ay Merchant
SPStabuse test
co mHANTth Imam anYmmn gateway ard for soy at clarl support urvn. a ill aver, CUSTOMER will provider m in infn the vu Internet ad MERCHANT'S WYmvi gateway Merdun mal oblab the
roaamm'a mut b ebation in azcordaroe with pa Rums IM clearly drnnmrcates go ds and ser nsem ro oned in ani in prior ru initiating the ACH debit. In eIota fC ifueta 0 g is providing ratmim, naymrnt au oil antris,
rmtamer ail M entified with s e moMd to revoke its .goal heck All est, tootle and ravica pt came
hr a single transaction shall ho included m the ng, t aurum on a single ACH ash, (mending
g all aN and all entries
ender contain 1 surcharges robot semamer bank mNing a t W be ard check numbs, MERCHANT'S manor euem aM Neknhom acmbo: aM dale rg dte arwsauiain the renal mit prke er the ale sit has tat all applicable sere,
parronfinderal o!hodominaM taxnlor IM aro to toMOMER'ifsl nam,
paymnlu maser cash orbyaediacoed errrhoaurum ruMehand wdoeosure biles¢atCUaflcthe deposit has beenmeds Cmtomeng
MERCHANT
NT to ion udMACH d mut may
to CUSTOMER' all mme, ddrms, Western mad romp, driver's lMER HA T a numbs, and a y disclosure nuement thin to Ford th wdns esti Msho r gain I cup,
MERCHANTto myba,
,sACH debitentryto the CUSTOME0.'as=un.After usstomerm. MERCHANT
the antsy, MERCNANT'speymcu taewaymornpore the ummmm pontta�eaulhoeby aaM to repine mpy
EFrodomeion mygsherdaflc SPS -EFT; withUsacceve oathACNaama adds ME RCHANT myrotrabject themmdon cicanMbackorr withholding
ofsou¢documcmgaryd.foronceSPS-
EFT wlhorum a transaction Failure ru amaply with the above ES AND UN will, b addition ro other A FIDE, AL VI MERCHANT ru CESS EB or EQUES 'S TMs aM ON M grouds for CCOUN e
MTHOnamdmtUN otHOLDE.MERCHANTACRNOWRITY ANDUNDERSTANDSTHATRISAFEDERALVIOLATIONTO PROCESSDEBTREQUESTS AGAINSTACONSUMERBANKACCOUNT
WITHOUT ACCOUNT HOLLER'S OBTAINED
EB AUTHORITY. MERCHANT HEREBY ACKNOWLEDGE(ATEAEBI RECEIPT TI PROPER NOTICE THAT THE USE OF ANY UL COUNTERFEIT, IM, (SON ENT LOST,
STOLTERM N. OF TEF YEARS. OR BO H. a IS
LEER INSTRUMENT TO UNLAWFULLY INT THAT
A DEBIT TRANSACTION IS PUNISHABLE BY A MAXIMUM OF A UNAUTHORIZED MA FINE. NTRY OR DEPO FOR A
TERM OF TEN YEARS, OR BOTH, A IS SPECIFICALLY VAL FOR EL 0 BY MERCHANT THAT ANY TRANSACTION EVENT NTEND D AS AN CTRONIREPOS MANUAL ENTRY OR DEPOSIT BY
MERCHANT AFTER MERCHANT NPRECEIVED APPROVAL FORNMEEVEN DEPOSIT AACHATION. MERCHANT
AGREES
SESND MR ELECTRONIC SPS -EFT
SHALL BE INTERPRETEDASAN
UNLAWFGL HBTTTRANSACTIONPURSUANT-E THIS NOTICE. IN ME ION E)WSUCHAVIOLATION.MERCHANTAGREES AND WARRANTS REFUSES HOLOSPS-EFTANO ALL B RSASSIGNS AND
ASSOCIATESHARMLESS ANL REIMBURSEY STATFORTHE TRANSACTIONH WRNIN34HOOKS OF SAIDOCCURRENCEIF ON OF ISAREEMT AN FEDERAL
L AW,A AND
FOR
ANY SUCH OCCURRENCE, R IS EXPRESSLY STATED AND AM POSSIBLE
THAT THE MERCHANT IS IN DIRECT VIOLATION OF THIS AGREEMENT AND FEDERAL LAW, AND SPS -EFT WILL
PURSUEALL LEGAL, CIVIL. AND COLLECTION REMEDIES ASARE POSSIBLEUNDER LAWmy even,
REMEDY.
d. owaAC'CEPTARLE TRAINo SMEMfar NS,cls In crm prom No ,. a)restrictionsEaro out above and in soy clam, rho allowing trnmctbns ere wucccpay d err electronic procnsa,, MERCHANT spm act m aortia soy of
H
He following I MERCHANT
to SPSEFT err daclly pr ass,any cl a1 MERCHANT small acre Immoss or proong any king ac k checks down on arty depository, Institutionnordunk act federally burred or put of Be ACH
murk,k. (b) MERCHANT shgl rot electronically proms my be constr slacker dawn on NM bminns errbmitaml the king heck w is is shared
or any R H stems oryway.employees, (e) MERCHANT shall act =both w
ekCtrome chess err goods or rervkN dal e¢ net pnvded to the cmwmm, (d) MERCHANT shall act submit w elmmnic cheek which u a1NaN by IM MERCHANT in arty way. MERCHANT'S submission ofanry oftho
,. ,I .,. is l lig ., ...,.., l -p. I I iI i , I z I ,....
eco a tranmmnm for dawnc processing may mlljen the MERCHANT to immediate suspension or termination. and all funds of MERCHANT, including than in MERCHANT'S =cars may be placed an hoW or
charged back to MERCHANT.
4. REQUIREMENTS NTS FOR PROCESSING CHECKS R V R. MER[HANT agree to atlmine all namaanm n wmrdme with Ibe pravehom ofthe ABrenxnu, f Ruh aW shah mks ofopernion az rtay o
ntsbluhed by SPS -EFT from time to that. MERCHANT shall ream dee on fileadequate to permit rcmvking afEntrions for swan (7) banking days following the date of thins naram ttai by SPS -EFT u provided hacu and
mall Provide such data in SPS -EFT upon its request. MERCHANT repmms aW wmTma that it shall amen that the financial infiltration Is reaches is prorcad by rawty proun ion and promdmen tat include (i)
physical nearby b protect against theft, tampering or da agm (ii) personnel and access cons,.], to protect agaum umuthofisN wase and ore, (iii) mwmk sanity to onue.ense Damon, storage and diatributioa fl at
Inst 128 -bit RCs encryption tehmfCy, (v) commercially reasonable fraud daennn systems. (vi) Wamdua re verify routing numbers and amhaminn concerns Warmly. fly. and poadm. to establish credit-wortheeas and
.padre lima far in cfato.. and (viii MERCHANT'. payycou gateway mut clearly unify the ctm.. that they are initiating w ACH debts autRrbu ion and MERCHANT'. dtor mal payment gateway shall obtain
a aroma authonestion in to form ofw electronically signed ACH mtheraatim err medinly amMaicatd hamim.awtry code or PIN) in aaoNaree was the Ruh that clearly demonwrves the ctutama's ahem to
mnberra:nn for each tnmaans submitted fur ekaron'e processing. MERCHANT agrees that it shall mndm or have conducted annual auda to aefae that tis financial infonrnmkn it omiln Rom its customers e
protected by Density practices and procedures tat!=to&, at a minimum level. to fraction sec fun in (h) through (iii), hereeahove MERCHANT ar MERCHANT'S J° party dHwm provide shall coopaste with SPS.
EFT to test MERCHANT's fid. payment ganeway and for Day ongoing support issues In ill oma• CUSTOMER will provide clock nfmmum via lens. end MERCHANT', payment gateway and payment shill for w
amount len than flat •Mi limit assigned by SPS -EFT. MERCHANT mut obtain to melanoma automation in accoedarce With the Rules that clearly denemrrsa the avtome's Users to auMtisman Wier to initiating
the ACH debt, In addition if mrumer u providing rmuring payment wtorka:ion customer man be ratified with the mNnd to revoke its dtareatnn All item, good, and service purchaad in a single naoeamion
WIIfincluded info coniwoantinecele ACNautomation hciW and all emnamatmmilnthecovencussed beck mining..®mL andfactnumbers,MERCHANT', sit or wonand eakpbexcomber:to
dee ofdatU assumithetomcashpea oft. saeposit or baall ad,Cbksnte,fatalor mol .tion including
ncl and taxes)of toted to toluchargedMER' ifspenial paymemumade iter cash or dralit cards to annus Los.
charged cl Unassuming d t a t C owing alta uthen deposit ism ban made, Customer's personal information incl Wing bac cot limbed C CUSTOMER', full come, address, tclepbex rate., a Derry limas sante arc payment
aid aaymlost P omernmt that CUSTOMER understands alma a authmm�g MERCHANT b M. w ACH debit cony a to CUSTOMER's mecum. After anomer auhcmion.a to MERCHANT
MERCHANT', payment
gateway mut prorrpc no mmepsi to Wim to autamwion end ro ream a copy and ro SPS -EFT
ssiY be ataW alta SPS -EFT couples acc the ab v the ACH nvewlnn MERCHANT herY ena hies, son tbe
MERCHANT
transaction electronically or deposit ro ogoffl dura nommmt by my means, ora SPS -EFT .acerin a transaction. Failm to amply with the .ova naquemmn will, in addition ro other penalties, subject
MERCHANTtodmCCHE err wit MR holdmg
HMERComaybe grounds Tri R NDF ORDER CHECKS
ofsavkes
!. In addition to the Provisions set tioin AWt a nus om rotwithsanding wY other payment"
on
tribe summit. EPS -EFT call have ou obligation m rc rumbue MERCHANT for ACH T its —, the me: hal Nat oared by the ut as . r fiurcial institution an
no, I ofthe customer's mndaiore n "sop paymentr on
the oiy ce; mesa duce, not or decvodc chat; od Frw being whether MERCHANT, is anffyon w.germ m involved, on. as a ocosprincipal err m an rosary. ha re sones; Icl Accepted M Ry MERCHANT or m
enpkyon with inverve krowldge oftrs likelihood of its ening ddurored wen tough amberned el SPS -EFF; (d) Lan, t akn ahcN or mmgerfk and Sany Dr. ism reason to olio, that MERCHANT shied d fall
nessoxbk we n verifying fr metana'e identity; (e) Given R IIANTi .fur a previously n far to check, wisher or net that tuck won wgod, n by Company or, any check upon which MERCHANT haz R CHAN full
orpmldpaymem; (H Oneay, fdareofeduasrWeshNto MERCHANTinaeagleaanrtactfnfurnbecam pacasailum oFargoods•g the goads msuacqurn:ly senmNby cn widdronrepoamxd by MERCHANT or
him offer, whtf 65 days FT lanofpmdasr (al Not berordb0:N t in compliance
o f l financial wis Institution mens a ofte failm o[ to cicada ce or g the ACHt-imposed nanricom on wdnns of Rom ro financial hmmmmn;
R Chnelufor which Numbers is E.,; dauNletbemors,. UI Not inv,lid all wishthisAkrcmvmaidcot Waonaedit accordance .wbh to ACH:rafaactbnW«min8 povenm of this Agettorcm; (k) Incorrect
Raising and Account Number data Espy; (p Unable to lone azmna or invalid wcomu numbs comm or umughoreN mrpawe .reruns rerwa.
CHECK 21 -ADDITIONAL TERMS AND CONDITIONS
I CHECK It+ If MERCHANT has marked the CHECK 214 Remote with or wtbeut Gumamee ox an the application fens oflh'a Agreement and SPS -EFT approves
such Agrenners, dm SPS -EFT aeon w waive cmom requ gemma for processing az aacN n recon 2, 6, md7 below. In edhwge for such waive aW higkr ret of acid to m un.., SPS -EFT will corgc a hiClo
drecoominit, fur the Container Net Present Tranaabn Program (sec dhNdc) SPS-EPT nerves the right to remove Gar amtt coverage on any clink transaction in such cam what there is rot sufficient information on
the cards face to conth or mote the customer fr collection eRons in the evens doc check is retuned by the customer's bank At a minimum the check mmmt number mssl be verified and approved by am front and best
and all cM1mka most be preprinted with( chid writer's aluminum. camiln a tae ow he. media. and most act hes ears dark. Fell. to comply wish the minimum standards az mpumed in duct motion soy result
n Merchant's In. nfgunanme.
-. MERCHANT shall comply with that following mndblom when aaeWin, checks for Check 214 and agrees to complete all transactions in
accordmann with f Provisions ofthe Agmanem and dchmh of operation as maybeestablished andilm rvisN by SPS -EFT fiom toe n time MERCHANT shall accept only t, following checks m muse docmxns n
initiate Check 214 eerie through SPS -EFT; (a) All instruments most be drawn on at payable through a ideally f.ued depository fiurcial institution; be machine-rmdable MICR -encoded with the bank rommil numbs,
account numos aW cock maul samba WnIN on to chide end o fur w dmrz to than ar the
to cat append cherin limit check
to by SPE -EFT, tis mania . (s) mall abrin pampa dmnficaon into fent of a
valid
pproveIcmd fiomtbe manorismnverify derthecytomauamCbeN1rcgcessig.check before submit tingthecheckmSased I. furor alnio(d MERCHANT saltscaneachclackgmoughaSPS.
EFT approved imaging device ANT In appavd wftware rcbnk S- anhae Chale 21+processing. (da All ems, goods fad cervices hose Imed n atingle i aalwann salt be isodard ed Io usee march aka shngle ssla
L0 OrionS At Hat time MERCHANT inhute MERCHANT
with SPS -En. finanal
MERCHANT warrants that she perms raemelg the clink haz been property01day demifid and u legally wtberued I age R the cock for payment.
Ip OrSPS-EFT emhaka the transaction, MERCHANT call main and mon the dank in a acus mimpt. fora cl imam pard ofnnay (r S days. Ref n "Cited Racn:nn' arc "Image Rcquin -EFT D below. ; a
MERCHANT shall deliver n to person Wesemirog the check a nuc end wrrpfed copy of f mit receiW. Iha No dreck may o .hoed after SPS -EFT ambenn acceP:moa of the check Once SPS -EFT amberizo a
inarmana MERCHANT may cot resubmit a check ll Who tollymenephais it u wy comm, colas lens enu by SPS -EFT so do son rich cue whore f image o scan doe est nets f ugh rho standardE :o Woone f
check our Check above
In adikm MERCHANTnnam,shall acts tc comma soon member and driver's Icave numbs aftc cued on an Ila ha ofthe cited prior ns scanning cat dank T toCh ar chalk coder. Failure to
mods, with theabove minimum immediate
mmswillhuhinleuofk'mmruee(lf lheck214with Gmrarrtt SansE u ANTfanous tothis on ALL transactions. subjccr MERCHANTnddCebafka or withholding of
3. andmayE gromdsfor ANSA IsupenioNlmdwnnofservicesaWool abcificmdoof evant,T by MERCHANTsainna:tothe Agreement.
J. I7NACCEP anion TRANSACTION.. In errs, (n n f ndanm Wool cove aW in dry evrawthe fownC nanaaiom m fame ofM k for Chao 214 proonagenand MERCHANT .MER rot n T steal any
oldie folkwug W,9. roSPSEFT fur ..ing;hal MERCHANTshillest platenany aodm dawnonthe NTshalcheckingaaoumoonsing iAtareantiofepagentswmpinyees,g oMERCHANTtoll est
oaep wY thed pant hems fur Classic 21+MERCHANT,
pram, fro err flacks made payable to r amM1"err ... credit
it MERCHANT shall not submit for proonrin6 any MERCHANT.
repamWry N financing of w aemg obligation
wRtha processing Previously r owed to MERempt to meng Ram f di. M Mof a H AN or ane.1 Rom ..edit 6: wo debit card m smut cud that no wit to MERCHANT, (d) MERCHANT mall est submit a ck give on fur
ser,kwitch lift
cacrac an . hyan y collect a or the 6.1 (el MERCHANT shall roe haunt , chid words for move.
or sconces cal m net mOnmemorlyMERCHANT
provided ll to asmmcr, including arty check given fur a
service copvact. Sift m she mi, t uynway (except for the leu payment) or far a s'vnif ) MERCHANT
or fur g«d. or sauces provNN to c a then party, (D MERCHANT chill not submit a check which cont ME CHAN, or
which u allied mhr f above
vas n a initialed by ro is mea at time of subject
M (CI MERCHANT call not kuwim., submit a check on 1f food,
TMwhichC ANT. iT previously a mM MERCHANT'S
MERCIIAay be
dbmann ofwy of f abov<nwsac:bfa for ckcnane W«esDing may Eubjea abe MERCHANT to immdimcmpwion«:mrumtion, and all fuW. ofMERCfiANT, including tbed'm MERCHANT'S aaoum, maybe
placedo IMA RFOUIRFMIRNnve:a Glnruutt wvaage from ALL meca.
4. iMaaERFOUl0.FMENTemoNafurachecknoWacmdvia Chttk214 thediskhmaMCKimatationmwine manchim,nesu Tee checkimagin8 drone onual capnrcf Romand hack amcecNaW
0 of minimum rryuved me:(b) To image cont ro: o coo dank,ot light, or tatbright;( (caTa chat MICR information adding
muss em mazhix-vendable and contain that lams nus' D mast wcaum number, and check maul
nmter ed. An on f deck: (d) To MICR "onrd will vision cont contain valhn don b merchalanck nt m conn tr be musing err l via Rear, (R The check nen Ri erfillcalto ons in iti 1 r Dinner, fur f heck Retention.
Che k 21+
CuarwesW Any check not PS -EF that auble lwwall and ic be mgng d deposited by d to the and carrot be T my uti visa femme GWme Deposit. a Ref m such p 1Je regarding Cock Ramors Chick 214
Services r le hoes use off SPS -EFT compatible t va nWed thick Imaging tlnf connected n she K. MERCHANT may mHf i compatible credit earls he as t l.! such pinto err nandard PC prinato print reaipta. If
a mrryatiblesk2I+NTack imaging Terme. Cock Ile MERCHANT mdasions dm SPS -EFT will only ERCH NTbar nn Scathes,and there will heastrwean.n poontd via Chad 214,
J. Chale TI+T tGI tARANT to The Chid214War
rorimb W tot lmopmthned odyhf MERCHANTceymkN Ibe Chert214wishoomin& oxanto to the Prov Tom oftheusly sm Sm Ifno
conked MERCHANT wishes SPSEFi n Provide a gumnttt for rcmbunxnurtt o(bsh sonairod by MERCHANT in accepting checks fur Check 214 WocasinL In Wdbion:o Ibe Wovenm previously est fM W
ro:whlaadhnlanyccessshomtofmnt]fie SPS-EFFhaz establekd• paamountasogo Limit,sepQ tk ERCHcNT,plcegoAppli or
otherilRaxbasedona pacrninaonof«camoralofwyemall
cocka IoW a team sands [Transection fcj f ) u,n forth in the parking section re Ileorm ME p Walled as MERCHANTn place of bonito.. i m star locations mewhkh m listed verification in any naofmmts gas to Agtttmenk
subject to to tern muf mditnm m font her to ABtenmnk SPS -EFT .all rcmburc MERCHANT parEF Schedule, b n f Guaramtt Lhmht, u shasmN Rom eco date metMRCN S sche mmL Ch a
MERCHANT's compliance,orwbh all of the tam rmi conditions contained in the Agreement or wY en SPS -as in Wed pu enter ummaku. SPS -EFT shall have -E T sit ll Njong MERCHANT'. me including Cher
214 wish Gummtt one bud operates ink degaWutnn Earn mmh MERCHANT .all Pavements was amazd summary ofChak 21+ click depasita. SPS -EFT shall pours up to the cluck limit established for
SPS -E ANt,ben will cotitresponsiblefurovimbunvhu ofcherkmor toomgto MERCHANT'sapWavNCmanata Ryil. Thefallowing mmusnn:yPesmrotincIWNer ret Gumwtee or comeW
SPS -En anima no nubility for and will provide rs menmusernmc for uo.1.1 . az MERCHANT
IrnrtM MICR data reads, matte a bout aavttt far invalid ., account..,numbs harm, customerni m m Rank
or nnmm�
rcrccafwm of wyfthe itransactionGumnln reimbursement shall omy carve Ins ewer MERCHANT hon due to, NSP ntuw., antl Indflldent Fundr resent vp to she per aaoum L'uvnnlee gmla pleced In the
apPrwai EC of she cumns.
6. In addition n to Waveuio as fuse f the on rnmant and wswhto atop p airy other
Wovhnfa to to mmrary. Shembor ERIC have ro its emphon s reimburse MERCHANT fur chink, dint m: (a) Not ororN by the comma'. (c) A cl erdby M MERCHANT
ofthis cunoma's nstmm�m re Yno payment" on
f chole; Iba Fraudulent.gitis wosand MERCHANT. is anpbyon orEFT; f vat involved,.tele dthns ed o ciuipil el az an acS-EFT her the in.; toW lel that
ME C MERCHANT or a employees weh advaroe knowledge user',
likelihood of es ung inbeuree wen though slyarhred by SPS-. what he Lac.1nlm ilhd oracle w. ala, and SPS -EFT has ny mn:o beluck ter: MERCHANT failed n fall accept
able arc n tial pay the cystoma'.
Nmiple (e) Given ec a interstate MER for a Tin .sin aacWed cluck, whack as rot to panes cock won anus ma by mbeame m, wy rhN upon which MERCHANT hiss; MERCHANT
full on partial payment; (D Ox of
multiple chance prmW Nn MERCHANTinatingle transactionfur Chink 214Wording;ail Forgooat imin goods mauhsaquemlymuneebyhumya orudinvassN by MERCHANT aIlanolds, wider6! Which dee C ANT rc; rM Not berord by f anomv's fi ERC insulation roved i of to balm of flat cf.ng of, m gavewmtdmpmd width
Scam on withdrawals from the fi rimi. mention; N, c Cr'rks for wM1hi
MERCHANT rain cash dale c the consume, Ulm MERCHANT a approved t carting by SPSEFT &,,.h rash bark: a) Chase fur whkh SPSEFTWrvho ant denied ambemnmm (k) No: in wnpluxs wait this
Processing ad not alarasas an accotdarce with rim chect hack, iERCHA Tn all obtain
Agreement; t pension
i format dna manssemmadb,th, Pe son pmble ro the diaomt or nnlm aacowt tral to nun. Inaddition.sor
oforc
Processing she chick adi u a condion n kroninC la clerk. MERCHANT shall oban dRcicm pvwml infarmatkn to bn:e flat Person ponen:nC the duck, including bac est limbed :a a agree ode err buinesc
telephonecomberawlWingarcacode,vCHAN mai nddnacooff slurserr ovalcame WtaE,rotapothe choox,aWfasnthic valid,uxxp'vN tiva'n Ineme number or ern-driher Nemifiwion number
IOCnherwehtoayeof STRUM MERCHANT k2lDissimilarities idanirying nfpm:ionalegibly Wuad onfdmo priors mtagip8 de check
7. SPS -EFT ism cet tbe following ors metes tat cath vuo care mate mag n polity foe reamburs most ender to Cock; weh Gumma
open: hal al f throe of audnmunn the individual wihnfo mane) ommerc won met o wmnnsdalt. kpmsed on ed instrument In that car me bran® umal check
nowt have the bfanos. name and marem
buinesl Walter and pox number les legedwitkan a.is nlcd Sign oeryeimNon the rhab. Temporary ducks. ducksweheck, Mney Oryinprn:dekek Umbers will nmqudiryfor chatguananttt Drafts
tore rot y me fur chid C cods r s (b) Checks drawn on a United alma Government far mtby , mown, Cazhia's Checks. be Cemhfied Check., Money Orders, Traveler's the c will er o Merchant
for check inwail y (e) Cocks
wines by me prose. for W Th or he mmion Provided to's let pant do rot gmlhco fes gumamx (d) An fmmgatnt mut c- wWnuN wtM1 a art
available
acrnse pesmtd is f hem it er to Mmlam atr rimed by Mmam he
the su«ofwtosumnm the
ofansvaliddmi. licTheneanddeomembefud onche"Quck RefinanceFT approved
sogvhneu rolevada ander Definite
veiclemnetataud the stratification instrument
send mono
aude os the ntmomt n H time strong
ngbee cbmck: IH To Uta chress number rttcved ll man ghat SPS -EFT a L Ifth cited imaging devf is
not t mftwar, vehaek moa o nand on nth tndunem m st time of
amhorvaben prior to MERCHANTcorms that'assho81AmeaaionthmustbeconunescomiimprwNanftack addlen, is O) toox i:spsee onn.emmyen: attothat off wllnneadon
is cont ri gond ons Destination aonau dress mould owmurn an f r ep Wmr to srawn8 pita dmk:IvouCh to imaging device. Port OIEa IPO) Roza ouni seems amepsabu addonm: (M If tePbex re dam
e
not insgrimN on Io ns:mrcna, MaTlane must rotcto Plwx numbvs (Ree Pox and business pbem) on Ibe ehslmnem al f:fe afauthorua:ion Prior to sawing cached clvouCh f merging device. (i) Ta dere of
that
an meerc:nnthneentlma edays ptrioordetoetaonwdazheehfe iluetmmmnust wwononauwtolberiruaddby
y SPS -EFT iflesmapocthadmalwNonfaapproval Co.. nNtwotonPr,es.pmavCheck
r 21,
eR. mFrtec CWhONHm;0) TPbeOS'eWmosiout mThetdoatepaofYdb.lcbt. die M ameh,rwoes
merino. Ickrb written ta'onh" or'tcarc", os to a IN party do rot qualify fur guaramttlIkl To.maim a rmcni W aW tR amain: sown her words and figures anti rink kh .pact; ID li chid t w who( the
imtm=m wino amhoruN mut cd f sere corn cf a Bhvm at the time autkmmnn a on t n ck No r s:r t N duck a Bumwcecd udm thu nt y mem won au k wish to aye dollar vid mat . t f
instmmem won anginallY aulorked; lel In :be atm of a penonl imtmmem, no.yx:uc nn Ile cork must be the sere u the conugmcullY impinlN cone onto dank and drives Inane provided hie do time of
I l
amhoriindon; (n) The instrument has been filled out mnpinely by the customer, has not been aboard. of has not been tendered in whole or in pmt in.change for cash or was net payment for a prior debt due or a financed
obligation: (o) The Mertlum did net subscqurntly receive value in full or in pan for the dishonored instrument from the prarnter in the form of ash payment. aedit, service, .change or rcpossasion; (p) The instrument
win rot duMtend as a result oft,'mop payment" order armad by the prarnter to fle financial institution: (q) The instrument wen cot previously denied by SPS -EFT basal on the same or different drivers license number,
which was Wa'iomly pnaentd Por suthmonsian by Me chem. The imtmmme most he authorial by main, the correct ID number ire. the SPS -EFT approvd check imaging device miler an.,unvoi soflwme vehicle m
the time of anhomation: (r) The instmant was net one of multiple itmnvnam or payment mnhads passerted to Merchant for sales moic that day pro splitting of chocks): (a) SPS -EFT reserves the right and Macho
arlumwldger that a radpt for the preduns and s,M. provided to the'hools wider, my be requested. The delivery 0fthh receipt most be pommmkd in faxd within 46 hours of the request and Its xcccpanee by SPS -En
will be required to tiudify the claim for payment: (t) Maclant most have followed insmuerions cemaimd in Si Merchant Quirk Reference Guide or ether authorized, comes published instruction; (u) Merchant
acknowledges that fist time check wriest may have a lesser 'hook limit than those of fiequent check write al check limits arc basad on not only dollen amount, but mamba of hanks written in a period of time to be
dnamined solely by SPS -EM (v) The imtrwamt w. net at., in rnuwnion with a transaction described henin. Merchant must comely with the terms and ad'uiom ofthis agreement. including but of limited to, the
requ'vcm ruts damibed herein: (w) the Merchant, or its agimu. and agd.ym mum of accept any instrument with prior knewladgc that tit i..t is likely to be dishonored or that the idcmifiati.n used was hrgd
stolen, or otherwise did rot belong to the chat writer, in that tmvction for which the instrument was «herd is ille,s, void, or invalid
B. STOP PAYMENT' COVERAGE. SPS -EFT agrees to waive section T lot and to 6'ua am a Stop Payment inatwams up to the limit whkh was approved by SPSEFFs ulawritian department at the than of
arccpucee. mvded than Merelatu shall have pafoml all ofhis obligatk a related to tit am=ofsaid qualified instrument strain con,lhr. with Section 6 and T. At Si requrst. Marlon shall provide written
infunation rcgadhlg any chim Sir mmbtmcmmt ofa Stop Paymem.atnment. Stop Payment Coverage most be un iatd (separate ddeeduml by Minclunt upon the initial acssptm by SPS -EFT and must be approved
W azcepred by SME" in addition to this agreement. Stop Payment Coverage does not cover bsirnrsa second the les, only Paan[ acmums. This coverage is not available to all business type and SPS -EFT rawer the
6g19 to do mnine which business types will he eligible Or Stop Payment Coverage
9. PAYROLL CHECK CASHING. COVERAGE. SPS -En avers to waive section T (i) ad T U) and to manatee P.—Il Chake essMl by MERCIIANT m m the lima which was approved by SPS-
EMPAYLIANCE's underwriting department at the than of arccptanec (mzximum $50000 limit unless approved
mhtd to the hsuaa ofsaid gwliied instrument a ds coe,lhnl with all other notuhnnmis ofSectko 6 aha 7
this A,. upon the tush acerytance by SPS -EFT al must be approved and sure ed by SPS -En in additk
ts.k. and will..ally be made available in Mmlao's...at within 9 bavkin; Jaya. Payroll Check G.
paysoll checks down oa a valid business sco mt. Payroll check most .min a preprinted business address on the f
the face of the check prior to imaging the clock in order to qualify for guaruda reimbursement. Mcc loam is ration
inspect the employee's valid plota driver's license to more that the photo nand descriptive infonwion correctly idem
check SPS -EFT will mign Menthols egWpneo or eoflwate a separate Terminal ID ap.ifi.iiy for Payroll Ch
-Peynhak". Additionally ifprompted by the tamed, Payroll Checks most be processed by selating Payroll/B.'u
charas hr all checks promrd as PaymlVBosinm ifpayroll Chat Cashing Coverage is in affect. This coverage i
he eligible br Payroll Chock Cinldn, Coverage,
palmed all ofhis obligations
Guarantee session on the Gem of
on a different infusible than Sale
cele to "cish", only valid nabeas
place Thor thumbprint on the heck prior to imaging the check Madura must carefully
Mm the check is nude payable to: payee must be the same pertain mtamting to rash the
Thant must moors all Payroll Chooks under the SPS -EFT assigned terminal ID hholed
t the SPS -EFT approved check imaging device, Mecham ahall be charged an additional
all business types and SPS -En raves the right to daamim which business types will