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Wells Fargo Credit Card Payment Card Processing-5955-Award/Ordinance/Pricing Docusign City Council Transmittal Coversheet File Name Purchasing Contact City Council Target Date Granicus # Ordinance # DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Rebecca Hunter 5955 - Wells FargoRFP Credit Card/Payment Card Processing June 21, 2016 Contract# 5955 CONTRACT BY AND BETWEEN CITY OF DENTON, TEXAS AND WELLS FARGO MERCHANT SERVICES, LLC (Contract 5955) THIS CONTRACT is made and entered into this date ______________________, by and between Wells Fargo Merchant Services, LLC, a limited liability company, and Wells Fargo Bank, N.A., whose address is 1200 Montego, Walnut Creek, CA 94598, hereinafter collectively referred to as "Contractor," and the CITY OF DENTON, TEXAS, a home rule municipal corporation, hereinafter referred to as "City," to be effective upon approval of the Denton City Council and subsequent execution of this Contract by the Denton City Manager or his duly authorized designee. For and in consideration of the covenants and agreements contained herein, and for the mutual benefits to be obtained hereby, the parties agree as follows: SCOPE OF SERVICES Supplier shall provide products and/or services in accordance with the City’s document RFP 5955 – Supply of Debit/Credit Card and Electronic Check Processing Services, a copy of which is on file at the office of Purchasing Agent. The Contract consists of this written agreement and the following items which are attached hereto and incorporated herein by reference: (a) Special Terms and Conditions (Exhibit “A”); (b) RFP 5955 Scope of Services, as amended or otherwise mutually agreed upon by the parties, (Exhibit “B”); (c) Wells Fargo Merchant Services Government Program Guide (Exhibit “C”); (d) Wells Fargo Merchant Services, LLC, Pricing and Terms (Exhibit “D”); (e) Insurance Requirements (Exhibit “E”); (f) Certificate of Interested Parties Electronic Filing (Exhibit "F"); (g) Contractor’s Proposal. (Exhibit "G"); These documents make up the Contract documents and what is called for by one shall be as binding as if called for by all. In the event of an inconsistency or conflict in any of the provisions of the Contract documents, the inconsistency or conflict shall be resolved by giving precedence first to the written agreement then to the contract documents in the order in which they are listed above. These documents shall be referred to collectively as “Contract Documents.” DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 June 21, 2016 Contract# 5955 IN WITNESS WHEREOF, the parties of these presents have executed this agreement in the year and day first above written. CONTRACTOR BY: AUTHORIZED SIGNATURE Date: Name: Title: PHONE NUMBER EMAIL ADDRESS TEXAS ETHICS COMMISSION CERTIFICATE NUMBER CITY OF DENTON, TEXAS ATTEST: JENNIFER WALTERS, CITY SECRETARY BY: GEORGE C. CAMPBELL, CITY MANAGER BY: __________________________________ Date: APPROVED AS TO LEGAL FORM: ANITA BURGESS, CITY ATTORNEY BY: __________________________________ DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 david.won@wellsfargo.com DAVID WON Vice President 6/15/2016 925-746-4088 xdvwon@wellsfargo.com 6/22/2016 Contract# 5955 Exhibit A Special Terms and Conditions 1. Total Contract Amount The contract total for services shall not exceed $3,800,000. Pricing shall be per Exhibit I attached. 2. Contract TermsThe contract term will be five (5) years, effective from date of award or notice to proceed as determined by the City of Denton Purchasing Department. 3. Indemnification As authorized by the Constitution and laws of the State of Texas, including but not limited to Article 3 Section 52 and Article 11 Section 7 of the Texas Constitution, the City represents the City cannot enter into a contract whereby it agrees to indemnity or hold harmless any other party; therefore, all references of any kind to indemnifying, holding or saving harmless for any reason whatsoever is of no effect. 4. Choice of Law and Governing Law: The Contract shall be governed by: (a) U.S. federal law and (b) the laws of the State of Texas. 5. Jurisdiction and Venue: The Contract is made under and shall be governed by the laws of the State of Texas, including, excluding any rule or principle that would refer to and apply the substantive law of another state or jurisdiction. All issues arising from this Contract shall be resolved in the courts in Texas and the parties agree to submit to the exclusive personal jurisdiction of such courts. The foregoing, however, shall not be construed or interpreted to limit or restrict the right or ability of the City to seek and secure injunctive relief from any competent authority as contemplated herein. 6. Confidentiality: In order to provide the deliverables to the City, Contractor may require access to certain of the City’s and/or its licensors’ confidential information (including inventions, employee information, trade secrets, confidential know-how, confidential business information, and other information which the City or its licensors consider confidential) (collectively, and together with the items also defined either implicitly or explicitly as confidential information in the Wells Fargo Merchant Services Program Guide, the “Confidential Information”). Contractor acknowledges and agrees that the Confidential Information is the valuable property of the City and/or its licensors and any unauthorized use, disclosure, dissemination, or other release of the Confidential Information will substantially injure the City and/or its licensors. The Contractor (including its employees, subcontractors, agents, or DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract# 5955 representatives) agrees that it will maintain the Confidential Information in strict confidence and shall not disclose, disseminate, copy, divulge, recreate, or otherwise use the Confidential Information without the prior written consent of the City or in a manner not permitted under this Agreement, unless the Confidential Information is required to be disclosed by law or an order of any court or other governmental authority with proper jurisdiction, provided the Contractor promptly notifies the City before disclosing such information so as to permit the City reasonable time to seek an appropriate protective order. The Contractor agrees to use protective measures no less stringent than the Contractor uses within its own business to protect its own most valuable information, which protective measures shall under all circumstances be at least reasonable measures to ensure the continued confidentiality of the Confidential Information. 7. Modification of Exhibit Terms and Conditions a. Exhibit C- Wells Fargo Merchant Services Government Program Guide, Section 3.2 shall be amended to read: 3.2 All fees for Services will be invoiced to the City net 30 in accordance with City’s pricing disclosures or subsequent communications. All settlements for Visa, MasterCard, Discover, and American Express Card transactions will be net of any Credits, Summary Adjustments, applicable discount fees when due, Chargebacks and any other amounts due to City. Contractor may set off from any payments otherwise due, any amounts owed to any of Contractors respective affiliates, whether or not arising out of or related to this agreement. b. Exhibit C- Wells Fargo Merchant Services Government Program Guide, Section 4.0, Exclusivity, shall be removed. c. Exhibit C- Wells Fargo Merchant Services Government Program Guide, Section 5.6 shall be amended to read: Contractor may not add new fees for services for any reason without written consent from the City. d. Exhibit C- Wells Fargo Merchant Services Government Program Guide, the first sentence in Section 10.2 shall be amended to read: The initial term of this Agreement shall commence and shall continue in force for five years after it becomes effective. e. Exhibit C- Wells Fargo Merchant Services Government Program Guide, the first sentence in Section 10.3 shall be amended to read: Notwithstanding the above or any other provisions of this Agreement, either party may terminate this Agreement at any time and for any reason by providing 90 days’ advance notice to other party. For the avoidance of doubt, if the City terminates the Agreement effective prior to the end of the first twelve (12) months of the initial term, then City will be responsible for any applicable early termination fee. DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract# 5955 f. Exhibit C- Wells Fargo Merchant Services Government Program Guide, the first sentence in Section 13.1 shall be amended to add the following preface: To the extent permitted by the law and constitution of the State of Texas. g. Exhibit C- Wells Fargo Merchant Services Government Program Guide, Section 17.5 shall be amended to read: All information or materials which could reasonably be considered confidential or competitively sensitive that you access from or relate to either Wireless Vendor(s) or Servicers related to the subject matter of these Wireless Services Terms will be considered confidential information. City will safeguard our confidential information with at least the same degree of care and security that you use for your confidential information, but not less than reasonable care, as allowed by the Provisions of Texas Government Code Title 5, Subtitle A, Chapter 552, the Public Information Act. h. Exhibit C- Wells Fargo Merchant Services Government Program Guide, the following sections are added to the end of Section 24. 24.7 Governing Rules. Arbitration proceedings shall be administered by the American Arbitration Association ("AAA") or such other administrator as the parties shall mutually agree upon. Arbitration shall be conducted in accordance with the AAA Commercial Arbitration Rules. If there is any inconsistency between the terms hereof and any such rules, the terms and procedures set forth herein shall control. All Disputes submitted to arbitration shall be resolved in accordance with the Federal Arbitration Act (Title 9 of the United States Code). The arbitration shall be conducted at a location in Georgia selected by the AAA or other administrator. All statutes of limitation applicable to any Dispute shall apply to any arbitration proceeding. All discovery activities shall be expressly limited to matters directly relevant to the Dispute being arbitrated. Judgment upon any award rendered in an arbitration may be entered in any court having jurisdiction; provided however, that nothing contained herein shall be deemed to be a waiver, by any party that is a bank, of the protections afforded to it under 12 U.S.C. §91 or any similar applicable state law. 24.8 No Waiver; Provisional Remedies. No provision hereof shall limit the right of any party to obtain provisional or ancillary remedies, including, without limitation injunctive relief, attachment or the appointment of a receiver, from a court of competent jurisdiction before, after or during the pendency of any arbitration or other proceeding. The exercise of any such remedy shall not waive the right of any party to compel arbitration or reference hereunder. 24.9 Arbitrator Qualifications and Powers; Awards. Arbitrators must be active members of the Georgia State Bar or retired judges of the state or federal judiciary of Georgia, with expertise in the substantive laws applicable to the subject matter of the Dispute. Arbitrators are empowered to resolve Disputes by summary rulings in response to motions filed prior to the final arbitration hearing. Arbitrators (i) shall resolve all Disputes in accordance with the substantive law of the state of Georgia, DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract# 5955 (ii) may grant any remedy or relief that a court of the state of Georgia could order or grant within the scope hereof and such ancillary relief as is necessary to make effective any award, and (iii) shall have the power to award recovery of all costs and fees, to impose sanctions and to take such other actions as they deem necessary to the same extent a judge could pursuant to the Federal Rules of Civil Procedure, the Georgia Rules of Civil Procedure or other applicable law. Any Dispute in which the amount in controversy is $5,000,000 or less shall be decided by a single arbitrator who shall not render an award of greater than $5,000,000 (including damages, costs, fees and expenses). By submission to a single arbitrator, each party expressly waives any right or claim to recover more than $5,000,000. Any Dispute in which the amount in controversy exceeds $5,000,000 shall be decided by majority vote of a panel of three arbitrators; provided however, that all three arbitrators must actively participate in all hearings and deliberations. 24.10 Judicial Review. A party who is dissatisifed with an arbitration award made pursuant to this section may seek judicial relief in the state or federal court having appropriate subject matter jurisdiction and subject to the venue provision of section 6, above. Such review shall be de novo and shall be governed by the rules of civil procedure and evidence applicable to that court. 24.11 Damages. The arbitrator(s) will have no authority to award punitive or other damages not measured by the prevailing party’s actual damages, except as may be required by statute. The arbitrator(s) shall not award consequential damages in any arbitration initiated under this Section. Any award in an arbitration under this Section shall be limited to monetary damages and shall include no injunction or direction to any party other than the direction to pay a monetary amount. 24.12 Miscellaneous. To the maximum extent practicable, the AAA, the arbitrators and the parties shall take all action required to conclude any arbitration proceeding within 180 days of the filing of the Dispute with the AAA. No arbitrator or other party to an arbitration proceeding may disclose the existence, content or results thereof, except for disclosures of information by a party required in the ordinary course of its business, by applicable law or regulation, or to the extent necessary to exercise any judicial review rights set forth herein. This arbitration provision shall survive termination, amendment or expiration of the Agreement or any relationship between the parties. i. Exhibit C- Wells Fargo Merchant Services Government Program Guide, Section 24.4 shall be removed. j. Exhibit C- Wells Fargo Merchant Services Government Program Guide, Section 41.3 shall be amended to read: The fees for Services as shown on your pricing disclosure are based on the assumption that your Credit Card and Non-PIN Debit transactions will qualify at the anticipated interchange programs associated with your account. If a transaction fails to qualify for your anticipated interchange programs, you will be billed a Non-Qualified Interchange DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract# 5955 Fee, plus a Non-Qualified Surcharge for each such non-qualifying transaction (see Section 5.1 and Glossary). Your initial fees for Services are stated on your Application and may be adjusted from time to time to reflect: a. Any increases or decreases in the interchange and/or assessment portion of the fees, b. The appropriate interchange level as is consistent with the qualifying criteria of each transaction submitted by Client, and c. Increases in any applicable sales or telecommunications charges or taxes levied by any state, federal or local authority related to the delivery of the services provided by Wells Fargo Merchant Services, L.L.C. when such costs are included in the Service or other fixed fees. In addition to the Debit Card transaction fees set forth on the Application, Client shall be responsible for the amount of any fees imposed upon a transaction by the applicable debit network. A Monthly Minimum Processing Fee will be calculated beginning thirty (30) days after the date Client's Application is approved. (Refer to pricing disclosures.) Authorization Fees are charges that apply each time you communicate directly with Processor. Authorization /EDC Fee applies to all Visa, MasterCard and Discover Card approvals (pre-authorizations, authorizations and authorization reversals), denials, batch inquiries, and batch entry transactions and includes any transaction fees and capture fees. An equipment rental fee will be charged each month for each piece of equipment rented, plus tax as applicable. Client will be charged for actual shipping fees for equipment and cost of supplies. The parties further agree and acknowledge that, in addition to any remedies contained herein or otherwise available under applicable law, if (a) Client breaches this Agreement by improperly terminating it during year one of the applicable term of the Agreement, or (b) this Agreement is terminated during year one of the applicable term of the Agreement due to an Event of Default, then SERVICERS will suffer a substantial injury that is difficult or impossible to accurately estimate. Accordingly, in an effort to liquidate in advance the sum that should represent such damages, the parties have agreed that the amount calculated in the manner specified below (the “Early Termination Fee”) is a reasonable pre-estimate of SERVICERS’ probable loss. The Early Termination Fee shall be paid to SERVICERS within 15 days after Client’s receipt of SERVICERS’ calculation of the amount due. The amount of the Early Termination Fee is Five Hundred Dollars ($500.00) per location plus six (6) times the highest amount of Revenue in any single calendar month during the initial term or any renewal term. If you have been processing with us for less than 12 months, the early termination fee shall be calculated based on “Annualized Sales Volume” in lieu of “Sales Volume.” DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract# 5955 Exhibit B SCOPE OF WORK & SPECIFICATIONS PART 1: DEBIT/CREDIT CARD PROCESSING The scope of work contained herein will be applicable only as mutually agreed upon by the City of Denton and Contractor and as modified by Exhibit G – Contractor Proposal, and Exhibit C – Wells Fargo Merchant Services Program Guide (as modified by Exhibit A – Special Terms and Conditions). The City desires debit/credit card processing services for the purpose of collecting payments for 24 Respondent accounts (POP and/or MOTO) and 3 internet accounts (Utility Billing, Municipal Court and Building Inspections). It is critical that the Respondent provide complete and accurate processing for Visa, MasterCard and Discover card transactions accepted by the City of Denton in compliance with Payment Card Industry (PCI) standards. The City only accepts Visa, MasterCard and Discover. The contract period will be five (5) years beginning June 1, 2016 and ending May 31, 2021. Either party may terminate the contract by providing at least a ninety (90) day written notification of said termination. The contract will also provide for an extension period not to exceed one hundred and twenty (120) days for the transition to a new vendor, if needed. Internet payments for the City’s library are made through their Millennium software using PayPal but must be processed/funded through the selected Respondent. RFP 5955 Exhibit 1 contains the City’s average Merchant Identification Number (MID) activity over the past 12 months. Using Exhibit 1, please indicate the cost of providing each of these services on a per-item, “Interchange Plus” basis. If appropriate, identify other services not listed and their associated costs. Any service not appearing or that does not have a fee indicated on the Attachment A will be considered to be free of charge in the Respondent Services Contract. Please attach a sample monthly statement. 1. List any other applicable credit card charges, including information on discount rates, government rates, and MasterCard/Visa utility rates, also monthly maintenance, statement, software and minimum transaction fees. Only the credit card charges listed on Attachment A and in this section will be acceptable in the monthly statement of charges. 2. Please describe how phoned credit card transactions will be handled. 3. Describe in detail how the City of Denton’s processing program will be operated on a day to day basis. Provide transaction flow diagrams whenever possible. 4. Identify all subcontracts to be used for these services and what procedures will be used to monitor quality. 5. Explain what back-up procedures will be established in the event of a problem at the City of Denton and with the Respondent. DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract# 5955 6. Describe Respondent’s capability to meet the following requirements for internet, POP and MOTO. a. AAVS and CVVI verification required. b. Daily settlements based on Central Standard Time (CST). Funds must be available the same day, preferred, or next day. Deposits to the City’s bank account must be made daily and must reflect daily batch settlement totals. c. Must provide on-line reporting services allowing viewing capabilities of all transactions by Merchant Identification Number (MID). Service must allow exporting and downloading of all transactions for the City. d. Must provide chargeback information by e-mail, fax and/or on-line application. e. Must provide internet gateway service. 7. Describe how Respondent will notify payer of the dollar amount of all payments and obtain the payer’s approval (electronic or otherwise) of such payments prior to initiating credit and/or debit authorizations. 8. Describe how Respondent will provide payers with electronic confirmation of payment transactions. 9. Describe how Respondent will electronically transmit all card transactions to the appropriate card processing center, in real time, as the transactions occur, and balance and reconcile electronically captured transactions on a daily basis. 10. Describe how Respondent will retain credit authorization logs and transaction records for such period of time as required by applicable law and the rules, regulations and operation procedures of the respective card organizations, and records shall contain the following information: transaction type, date and time of transaction, City account number, and card’s account number and expiration date, card holder’s name, dollar amount of transaction and approval code. 11. Provide City of Denton with logos, graphics, and other appropriate marketing materials for citizen communication in English and Spanish. 12. Provide City of Denton with monthly reports (in a mutually agreed upon format) summarizing use of the services for the applicable reporting period. Sample report must be included in this proposal. 13. Provide internet payment service in both English and Spanish. 14. Explain how the Respondent will handle any copy requests or chargebacks for the City of Denton. DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract# 5955 15. Red Flag Act Rules and Fair & Accurate Credit Transactions (FACT) Act. The Respondent is required to comply with the Red Flag Rules and the FACT Act. The Respondent must ensure that all nonpublic personal customer identity information provided by the City remain confidential by maintaining safeguards for the information received. The Respondent will not disclose or use such information for any purpose other than is reasonably necessary to fulfill the purpose for which such information was provided by the City or otherwise permitted by applicable laws. A signed service provider acknowledgement must be completed in conjunction with the Respondent Services Contract. 16. System Requirements a. Point of Purchase (POP) processing terminals for handling electronic check verification and/or guarantee, and batching and debit or credit card authorizations are to be connected to existing Microsoft Windows-based desktop computers through standard peripheral connections, such as COM or USB (Preferred). The terminal peripherals would utilize software present on the computer, either an installed software client or a web-browser-based control interface, to communicate via the internet with the Respondent’s host system for purposes of communicating transaction information at the point of purchase. Respondent software would provide for receipt printing of all transactions, with capability to re-print receipts if necessary. Software interface must be capable of handling both card-present, and card-not-present transactions and associate each with the correct fee schedule. b. Transaction data would need to be captured and cataloged according to the following hierarchy: City of Denton >> Department >> Location >> Operator >> Batch ID. Reporting capabilities would need to be provided to allow the City to research and reconcile transactions passing through the Respondent. This reporting should be web-based, and accessible in real-time. Transaction data should be captured either locally on City provided database and hardware platforms or remotely at the Respondent’s location as long as reporting needs are effectively met. 17. Point of Purchase Equipment a. Please list any hardware/software requirements for this service and the costs to replace existing hardware/software. Please list financing options or other replacement considerations Respondent may desire to propose to the City. b. Debit/Credit Card Terminal – Industry standard hardware utilizing 3-track magnetic stripe reader, integrated PIN pad and display unit with COM or USB (Preferred) connectivity to interface with current Microsoft Windows-based desktop computer. Terminal must be EMV capable (contact/contactless). Terminal should have the ability to be placed within the customer’s reach for transaction processing so as to afford the customer the added security benefit of DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract# 5955 card retention. Terminal display would be programmed with all relevant customer prompts and responses so as to minimize cashier instruction. c. Receipt Printer – Industry standard thermal printer hardware using Parallel, COM or USB (preferred) communication to connect to current Microsoft Windows- based desktop computer. Receipt would provide the following information for all transactions: (1) credit cards - City logo or name, department, address, phone number, operator, transaction date and time, card holder’s name, last four digits of card used, transaction amount, approval code, other City required data, and signature line. 18. Software Updates a. The City expects that software “bugs” will be addressed within a reasonable and fair time frame under the basic maintenance agreement held with the Respondent. A software “bug” is defined as a glitch, anomaly, or other reproducible condition that materially affects the proper operation of the software as designed, and prevents the City from using the software as intended. b. The City may request additional features or functionality during the duration of the contract. City and Respondent will agree whether these enhancements constitute a material change above and beyond what is covered under the standard maintenance agreement for the software. In the event that the changes represent a billed-for service, the City will have the option to purchase the enhancement, and incorporate the ongoing support for that enhancement as part of the standard maintenance agreement. c. Respondent is responsible for ensuring that their software functions on current mainstream desktop computers. This includes hardware not to exceed 4 years in age, and the current public release of the Microsoft Windows desktop operating system for business and professional use with all required security patches installed. If the client software is deployed in a browser, it must be compatible with the current retail release of Microsoft Internet Explorer (Internet Explorer II) with all required security patches installed. It is the Respondent’s responsibility, under the terms of the maintenance agreement, to resolve issues arising from the application of critical Microsoft patches that may interfere with the proper operation of the Respondent’s software. d. City is expected to have access to new releases of software free of charge under the terms of the annual maintenance agreement. 19. Telephone Lines and Internet a. None of the peripherals used in any solution will use a conventional telephone line to process transactions; all transactions will be handled over the internet. In the event that internet processing is unavailable, transactions will be queued for processing at such time as Internet connectivity is restored. This queuing process DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract# 5955 may be manual, or integrated into the software (preferred). Provide an explanation of how face-to-face credit card transactions can be authorized and then processed later in the Respondent software. 20. Reporting Requirements a. The City of Denton will require on-line access to daily funding notices, exception items and weekly and month-end summary reports. One hard copy of each report must be sent to the City of Denton by U.S. mail to the attention of the Assistant Director of Finance. The daily funding notice must also be faxed or e-mailed each day. The City of Denton has a tiered account structure and reports and transaction information must be accessible within each tier. b. For this proposal, describe the contents and distribution frequency of all of the reports that will be provided to the City of Denton. Sample reports must be included in the proposal. 21. Operations and Technical Support Requirements a. The processing system provided must be fully automated and easy to use. Describe in detail how the program will be operated on a day-to-day basis. Additionally, explain what back-up procedures will be established for each item. 22. Supplies/Equipment a. It is critical that the Respondent provide the City of Denton with the necessary equipment and supplies for this program. Describe the entire process in detail and include: i. What equipment/supplies will be needed? ii. Who should order them and how? iii. From whom and where they are to be ordered? iv. What time schedules should be used for placing orders? v. Please list the costs to replace existing hardware/software. Please list financing options or other replacement considerations Respondent may desire to propose to the City. 23. Error Detection a. It is important that the Respondent does everything possible to identify errors for the City of Denton. Describe actions the Respondent will take to identify and correct errors. Include how different errors will be handled such as interchange rates, late daily settlements, etc. Also include methods for notifying the City of DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract# 5955 Denton of these errors and advise what level of support front line custodians will be provided during all business hours. 24. POP Signage a. Identify the requirements regarding POP signage and formats for mail-in forms. Please describe as much of this information as possible. 25. Chargebacks and Copy Requests a. The City of Denton expects to maintain transaction copies. Please explain requirements that must be followed regarding these receipts and the penalties for not doing so. Explain how the Respondent will handle any copy requests or chargebacks for the City of Denton. The City of Denton expects the Respondent to fully represent its position in the event of any type of dispute with one of the card companies. 26. Training and Reference Manuals a. It is the Respondent’s responsibility to ensure that the City of Denton staff is thoroughly trained before the program launch will be considered final. Describe the requirements for installing and using the equipment. Include explanations of time, skill, and resource requirements. Describe any manuals, videos, or other materials that will be provided; if possible provide samples. 27. Escalation Procedures a. Indicate what procedures are in place in the event that a problem with the program needs to be brought to the attention of the Respondent’s management. This applies to both the implementation process and for situations that may occur once the program is fully operational. DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Wells Fargo Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9     Merchant Services Government Program Gu ide Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   P R E FAC E Thank you for selecting us for your payment processing needs.Accepting numerous payment options provides a convenience to your customers, increases your customers’ ability to make purchases at your establishment, and helps speed payment to your account. Your Merchant Processing application will indicate the types of payments and Services you have elected to accept. These Program Terms and Conditions (the “Program Guide”) present terms governing such payments and Services, including, as applicable, terms governing the acceptance of Visa®, MasterCard® and Discover® Credit Card, Non­PIN Debit Card payments and American Express® transactions and applicable Non­Bank Services. This Program Guide,together with your Merchant Processing Application and the schedules thereto (collectively,the “Agreement”),including,without limitation,the Interchange Qualification Matrix,American Express Program Pricing and the Interchange Schedules applicable to your pricing method as set forth in the Merchant Processing Application, contains the terms and conditions under which Processor and/or Bank and/or other third parties,will provide services to you.We will not accept any alterations or strike­outs to the Agreement and, if made,any such alterations or strike­ outs shall not apply. Please read this booklet completely. IMPORTANT INFORMATION ABOUT BANK’S RESPONSIBILITIES: Discover Card transactions, American Express Card transactions and other Non­Bank Services are not provided to you by Bank, but are provided by Processor and/or third parties. The provisions of this Agreement regarding Discover Card Transactions, American Express Card Transactions and Non­Bank Services constitute an agreement solely between you and Processor and/or third parties. Bank is not a party to this Agreement insofar as it relates to Discover Card Transactions, American Express Card Transactions and Non­Bank Services,and Bank is not responsible,and shall have no liability,to you in any way with respect to Discover Card Transactions, American Express Card Transactions and Non­Bank Services. OTHER IMPORTANT INFORMATION: Cardspresentrisks ofloss andnon­payment that aredifferentthan thosewith otherpaymentsystems.In decidingtoaccept Credit Cards, you should be aware that you are also accepting these risks. Visa U.S.A, Inc. (“Visa”) and MasterCard Worldwide (“MasterCard”), Discover Financial Services LLC (“Discover”) and American Express Company, Inc. (“American Express”) are payment card networks that electronically exchange Sales Drafts and Chargebacks for Card sales and Credits. Sales Drafts are electronically transferred from banks (in the case of Visa and MasterCard transactions) or network Acquirers (in the case of Discover transactions) that acquire them from merchants such as yourself (these banks and network acquirers are referred to as“Acquirers”) through the appropriate Card Organization,to the Issuers. These Issuers then bill their Cardholders for the transactions. The Card Organizations charge the Acquirers interchange, fees and/ or assessments for submitting transactions into their systems. Inorder to speed up thepaymentprocess,the Issuer transfersthe fundsback through the Card Organizationto theAcquirer at approximately the same time that the Issuer receives the electronic Sales Drafts. Even though the payments under this system are made simultaneously,all payments made through the Card Organizations are conditional and subject to reversals and adjustments. Each Card Organization has developed Card Organizations Rules that govern their Acquirers and Issuers and the procedures, responsibilities and allocation of risk for this process. Merchants are also bound by Card Organization Rules and applicable laws and regulations The Card Organization Rules and applicable laws and regulations give Cardholders and Issuers certain rights to dispute transactions, long after payment has been made to the merchant, including Chargeback rights. We do not decide what transactions are charged back and we do not control the ultimate resolution of the Chargeback.While we can attempt to reverse a Chargeback to the Issuer, we can only do so if the Issuer agrees to accept it or the Card Organization requires the Issuer to do so after a formal appeal process.Sometimes,your customer may be able to successfully charge back a Credit Card transaction even though you have provided your goods or services and are otherwise legally entitled to payment from your customer.While you may still be able to pursue claims directly against that customer,neither we nor the Issuer will be responsible for such transactions. You will be responsible for all Chargebacks and adjustments associated with the transactions that you submit for processing. Please refer to the Glossary for capitalized terms used in the Agreement, including this Preface (if not defined above). WFB1707GOV REV00 (7/14) Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Program Guide TABLE OF CONTENTS PART I: Confirmation Page 30.6 Pre­Authorization forT&E (Travel & Entertainment) Duplicate Confirmation Page and Restaurant Merchants . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 30.7 Discover Procedure for Request for Cancellation of Authorization . . . . . . . . 31 PART II:Card Services 30.8 Partial Authorization and Authorization Reversal . . . . . . . . . . . . . . . . . . . . . . . . 31 31. Submission/Deposit of Sales and Credit Drafts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 A. Card General Terms 31.1 Submission of Sales for Merchants Other Than Your Business . . . . . . . . . . . . 31 1. Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 31.2 Timeliness . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32 2. Operating Procedures; Card Organization Rules and Compliance . . . . . . . . . . . . . . . 8 31.3 Electronic Merchants: Daily Batching Requirements 3. Settlement of CardTransactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  8 & Media Submission . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32 4. Exclusivity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 32. Settlement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32 5. Fees;Adjustments;Collection of Amounts Due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 6. Chargebacks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 33. Refunds / Exchanges (Credits). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32 7. Representations;Warranties;Covenants Limitations on Liability; 33.1 Refunds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32 Exclusion of Consequential Damages . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  9 33.2 Processing a Credit for American ExpressTransaction . . . . . . . . . . . . . . . . . . . 32 8. Confidentiality . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 33.3 Exchanges. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33 9. Assignments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 34. Retention of Records for Retrievals and Chargebacks. . . . . . . . . . . . . . . . . . . . . . . . . . . 33 10. Term;Events of Default . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 34.1 Retain Legible Copies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33 11. Reserve Account;Security Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 34.2 Provide Sales and Credit Drafts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33 12. Financial and Other Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 35. Chargebacks,Retrievals and Other Debits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33 13. Indemnification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 35.1 Chargebacks. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33 14. Special Provisions Regarding Non­Bank Cards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 35.2 Summary (Deposit) Adjustments/Electronic Rejects. . . . . . . . . . . . . . . . . . . . . 36 15. Special Provisions for Debit Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 35.3 Disputing Other Debits and Summary Adjustments. . . . . . . . . . . . . . . . . . . . . 36 16. Reserved . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 36. Account Maintenance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 17. Special Provisions RegardingWireless Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 36.1 Change of Settlement Account Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 18. Terms of Equipment Purchase or Rental . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 36.2 Change inYour Legal Name or Structure. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 19. Reserved . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 36.3 Change in Company DBA Name, Address or 20. Special Provisions RegardingTransArmor Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 Telephone / Facsimile Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 21. Reserved . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 36.4 Other Changes in Merchant Profile . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 22. Reserved . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 36.5 Charges for Changes to Account Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . 36 23. Reserved . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 37. Card Organization Monitoring. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 24. Choice of Law,Venue;Waiver of JuryTrial . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 38. Supplies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 25. OtherTerms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 39. Special Provisions for American Express . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 39.1 Card Acceptance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 B. Operating Procedures 39.2 Arbitration Agreement for Claims Involving American Express . . . . . . . . . . . 37 26. MasterCard,Visa,Discover and American Express Card Acceptance . . . . . . . . . . . . . 21 39.3 Treatment of the American Express Brand . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37 26.1 Card Descriptions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21 39.4 Treatment of American Express Marks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 26.2 Effective/Expiration Dates. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 39.5 Treatment of American Express Card Member Information . . . . . . . . . . . . . . 38 26.3 Valid Signature . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 39.6 Prohibited Uses of the American Express Card . . . . . . . . . . . . . . . . . . . . . . . . . . 38 26.4 Users OtherThan Cardholders. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 39.7 American ExpressTransaction Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 26.5 SpecialTerms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 39.8 Treatment of American Express Cardholder Information . . . . . . . . . . . . . . . . . 38 26.6 Delayed Delivery or Deposit Balance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 26.7 RecurringTransaction and Preauthorized Order Regulations. . . . . . . . . . . . . 23 39.9 Disclosure and Use of Data Collected Under Agreement. . . . . . . . . . . . . . . . . 38 26.8 Certain Rules and Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 39.9.1 Consent for American Express to ContactYou by Phone, 26.9 Card Acceptance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 eMail,Text or Facsimile . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 26.10 Deposits of Principals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 39.9.2 Opt­Out . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 26.11 Reserved . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 39.10 Conversion to a Direct Relationship with American Express. . . . . . . . . . . . . . 38 26.12 Customer ActivatedTerminals and Self ServiceTerminals . . . . . . . . . . . . . . . . 25 39.11 Reserved . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 26.13 Displays and Advertising . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 39.12 Third Party Beneficiary Rights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 26.14 Cash Payments by and Cash Disbursements to Cardholders . . . . . . . . . . . . . 25 39.13 Your Right to Opt Out of American Express Card Acceptance . . . . . . . . . . . . 39 26.15 Discover Cash OverTransactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 39.14 Collections from American Express Cardholder. . . . . . . . . . . . . . . . . . . . . . . . . . 39 26.16 TelecommunicationTransactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 39.15 Completing aTransaction at the Point of Sale . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 27. SuspectTransactions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 39.16 In Person Charges. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 28. Completion of Sales Drafts and Credit Drafts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 39.17 Electronic Charges or Key Entered Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 28.1 Information Required . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 39.18 Magnetic Stripe Card Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 28.2 Mail/Telephone/ Internet (Ecommerce) 39.19 American Express Mobile Contactless Charges . . . . . . . . . . . . . . . . . . . . . . . . . . 39 Orders and Other Card Not Present Sales . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27 39.20 American Express Contact Chip Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 28.3 Customer Service Telephone Numbers for Cards Other Than 39.21 American Express Contactless Chip Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 MasterCard,Visa and Discover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28 39.22 American Express Key­Entered Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 29. Data Security . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28 39.23 Keyed No Imprint for American ExpressTransactions . . . . . . . . . . . . . . . . . . . . 39 29.1 Payment Card Industry Data Security Standards (PCI DSS) . . . . . . . . . . . . . . . 28 39.24 Merchant Website Information Display Guidelines . . . . . . . . . . . . . . . . . . . . . . 39 29.2 Data Security Requirements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 39.25 Aggregated Charges . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40 29.3 Compliance Audits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 39.26 American Express Prepaid Card Security Features . . . . . . . . . . . . . . . . . . . . . . . 40 29.4 Immediate Notice Required . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 39.27 American Express Processing Prepaid Cards. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40 29.5 Investigation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 39.28 American Express Policies and Procedures for Specific Industries . . . . . . . . 40 29.6 Required Information for Discover Network Security Breaches . . . . . . . . . . . 29 39.29 American Express Excessive Disputes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42 29.7 Merchant Providers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 39.30 American Express Right to Modify or Terminate Agreement . . . . . . . . . . . . . 42 29.8 Reserved . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 39.31 Acceptance Procedures for American Express 29.9 Costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 Travelers and Gift Cheques . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42 30. Authorizations. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 30.1 Card Not PresentTransactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 40. Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42 30.2 Authorization via Telephone 41. Additional Important Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45 (OtherThanTerminal / Electronic Device Users) . . . . . . . . . . . . . . . . . . . . . . . . . 30 41.1.Electronic Funding Authorization. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45 30.3. Authorization via Electronic Devices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 41.2.Funding Acknowledgement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45 30.4 Third Party Authorization System . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 41.3.Additional Fees,Fees Related Information and EarlyTermination. . . . . . . . . . . 45 30.5 Automated Dispensing Machines. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 41.4.Addresses For Notices. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45 WFB1707GOV REV00 (7/14) Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        ________________________________________________________________________________________                                                                                                                                                                                                                                                                                                                                                                                                                                                 WFB1707GOV REV00 (7/14) PA R T I : CO N F I R M AT I O N PAG E Please read the Merchant Processing Program Guide in its entirety.It describes the terms under which we will provide merchant processing Services to you. From time to time you may have questions regarding the contents of your Agreement (which includes your Merchant Processing Application, the foregoing Program Guide, and the schedules thereto and documents incorporated herein) with Bank and/ or Processor. The following information summarizes portions of your Agreement in order to assist you in answering some of the questions we are most commonly asked. 1. Your fees for certain Services set forth in this Agreement are based 6. We have assumed certain risks by agreeing to provide you with Card ontheinterchangeratessetbytheCardOrganization.Anytransactions processing services.Accordingly,we may take certain actions to mitigate that fail to qualify at your Anticipated Interchange Levels will be our risk, including termination of the Agreement, and/or hold monies charged an additional fee (See Section 5 of the Merchant Processing otherwise payable to you (see Card General Terms in 10, Term; Events of Program Guide). Default and Section 11, Reserve Account; Security Interest), under certain circumstances. 2. We may debit your bank account from time to time for amounts owed to us under the Agreement. 7. By executing this Agreement with us you are authorizing us to obtain financial and credit information regarding your business until all your 3. There are many reasons why a Chargeback may occur.When they occur obligations to us are satisfied. we will debit your settlement funds or settlement account. For a more detailed discussion regarding Chargebacks, see Section 35 of the 8. The Agreement contains a provision that in the event you terminate the Merchant Processing Program Guide. Agreement prior to the expiration of the applicable term, you may be responsible for the payment of an early termination fee as set forth in 4. If you dispute any charge or funding, you must notify us within 60 Section 41.3 under“Additional Important Information”.days of the date of the statement where the charge or funding appears for Card Processing. 5. The Agreement limits our liability to you. For a detailed description of the limitation of liability, see Section 7 of the Card General Terms. 9. Card Organization Disclosure Member Bank Information:Wells Fargo Bank The Bank’s mailing address isWells Fargo Bank,1200 Montego,Walnut Creek,CA 94598 and its phone number is 1­800­451­5817. Important Member Bank Responsibilities: Important Merchant Responsibilities: a) The Bank is the only entity approved to extend acceptance of a) Ensure compliance with cardholder data security and storage requirements. Card Organization products directly to a merchant. b) Maintain fraud and chargebacks below Card Organization thresholds. b) The Bank must be a principal (signer) to the Agreement. c) Review and understand the terms of the Merchant Agreement. c) The Bank is responsible for educating merchants on pertinent d) Comply with Card Organization Rules and applicable law and regulations. Visa and MasterCard Rules with which merchants must comply; e) Retain a signed copy of this Disclosure Page. but this information may be provided to you by Processor. f) You may download“Visa Regulations” fromVisa’s website at: d) The Bank is responsible for and must provide settlement funds to the merchant. http://usa.visa.com/merchants/operations/op_regulations.html. e) The Bank is responsible for all funds held in reserve that are g) Youmaydownload“MasterCardRegulations”fromMasterCard’swebsiteat: derived from settlement. http://www.mastercard.com/us/merchant/support/rules.html. Print Client’s IRS Legal Filing Name: _________________________________________________________________________________________________ By its signature below, Client acknowledges that it received (either in person, by facsimile, or by electronic transmission) and read the complete Program Guide (Version WFB1707GOV REV00 (7/14)) consisting of 45 pages (including this confirmation), which is incorporated into its Agreement, and agrees to comply with all terms set forth therein. Upon receipt of a signed original of this Confirmation Page by us, your Application for merchant processing services will be reviewed. Client understands that its Application is subject to approval by us. Client understands that a copy of the Program Guide is also available for downloading from the internet at: www.wellsfargo.com/govprogramguide CLIENT’S BUSINESS PRINCIPAL: Signature (Please sign below): X ____________________________________________________________ ____________________________________ _____________ Title Date Please Print Name of Signer WFB1707GOV REV00 (7/14) Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                         _________________________________________________________________________________________________                                                                                                                                                                                                  ____________________________________ _____________ ________________________________________________________________________________________                                                                                                                                                                                                                                                                                                                                                                                                                                            L                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 DUPICATE WFB1707GOV REV00 (7/14) PA R T I : D U P L I C AT E CO N F I R M AT I O N PAG E Please read the Merchant Processing Program Guide in its entirety.It describes the terms under which we will provide merchant processing Services to you. 1. Your fees for certain Services set forth in this Agreement are based 6. From time to time you may have questions regarding the contents of your Agreement (which includes your Merchant Processing Application, the foregoing Program Guide, and the schedules thereto and documents incorporated herein) with Bank and/ or Processor. The following information summarizes portions of your Agreement in order to assist you in answering some of the questions we are most commonly asked. We have assumed certain risks by agreeing to provide you with Card processing services. Accordingly, we may take certain actions to mitigate There are many reasons why a Chargeback may occur.When they occur we will debit your settlement funds or settlement account. For a more detailed discussion regarding Chargebacks, see Section 35 of the on the interchange rates set by the Card Organization.Any transactions that fail to qualify at your Anticipated Interchange Levels will be our risk, including termination of the Agreement, and/or hold monies otherwise payable to you (see Card General Terms in 10, Term; Events of Default and Section 11, Reserve Account; Security Interest), under certain circumstances. By executing this Agreement with us you are authorizing us to obtain financial and credit information regarding your business until all your The Agreement contains a provision that in the event you terminate the Agreement prior to the expiration of the applicable term, you may be responsible for the payment of an early termination fee as set forth in charged an additional fee (See Section 5 of the Merchant Processing Program Guide). 2. We may debit your bank account from time to time for amounts owed to us under the Agreement. 7. obligations to us are satisfied. 8. If you dispute any charge or funding, you must notify us within 60 Section 41.3 under“Additional Important Information”.days of the date of the statement where the charge or funding appears of the limitation of liability, see Section 7 of the Card General Terms. Member Bank Information:Wells Fargo Bank The Bank’s mailing address isWells Fargo Bank,1200 Montego,Walnut Creek,CA 94598 and its phone number is 1­800­451­5817. 3. Merchant Processing Program Guide. 4. for Card Processing. 5. The Agreement limits our liability to you. For a detailed description Important Merchant Responsibilities: a) Ensure compliance with cardholder data security and storage requirements. b) Maintain fraud and chargebacks below Card Organization thresholds. c) Review and understand the terms of the Merchant Agreement. 9. Card Organization Disclosure Important Member Bank Responsibilities: a) The Bank is the only entity approved to extend acceptance of Card Organization products directly to a merchant. b) The Bank must be a principal (signer) to the Agreement. c) The Bank is responsible for educating merchants on pertinent d) Comply with Card Organization Rules and applicable law and regulations. Visa and MasterCard Rules with which merchants must comply; e) Retain a signed copy of this Disclosure Page. but this information may be provided to you by Processor. f) You may download“Visa Regulations”fromVisa’s website at: d) The Bank is responsible for and must provide settlement funds http://usa.visa.com/merchants/operations/op_regulations.html. e) The Bank is responsible for all funds held in reserve that are g) Youmaydownload“MasterCardRegulations”fromMasterCard’swebsiteat: By its signature below, Client acknowledges that it received (either in person, by facsimile, or by electronic transmission) and read the complete Program Guide (Version WFB1707GOV REV00 (7/14)) consisting of 45 pages (including this confirmation), which is incorporated into its Agreement, and agrees to comply with all terms set forth therein. Upon receipt of a signed original of this Confirmation Page by us, your to the merchant. derived from settlement. http://www.mastercard.com/us/merchant/support/rules.html. Print Client’s IRS Legal Filing Name: Application for merchant processing services will be reviewed. Client understands that its Application is subject to approval by us. Client understands that a copy of the Program Guide is also available for downloading from the internet at: www.wellsfargo.com/govprogramguide CLIENT’S BUSINESS PRINCIPAL: Signature (Please sign below): X ____________________________________________________________ Please Print Name of Signer Title Date WFB1707GOV REV00 (7/14) Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         PA R T I I : C A R D S E R V I C E S A. C ARD GENERAL TERMS 1. Ser vices Subject to Card Organization Rules, Services may be performed by us or our agents, including, without limitation, our respective Affiliates, including the provision of terminals or other equipment and local support functions in connection with this Agreement. 2 . O p e ra t i n g P r o ce d u re s ; C a rd O r g a n i z a t i o n R u l e s a n d Co m p l i a n c e You agree to follow all requirements of this Agreement in connection with each Card transaction and to comply with all applicable Card Organization Rules, including,without limitation,the data security requirements described in Section 29. From time to time, we may amend the Operating Procedures, by providing you with at least twenty (20) days’prior written notice,and those provisions will bedeemed incorporated into thisAgreement.However,for changesinthe Card Organization Rules or for security reasons, certain changes in Card procedures may become effective on shorter notice.If there are any inconsistencies between the General Terms and the Operating Procedures,the General Terms will govern. You are responsible for staying apprised of all applicable changes to the Card Organization Rules and maintaining compliance with the card Organization Rules. Card Organization Rules may be available on the web sites such as http://usa.visa.com/merchants/operations/op_regulations.html and http://www.mastercard.com/us/merchant/support/rules.html. These links may change from time to time. 3. Settlement of Card Transac tions 3.1. We will only be required to settle Card transactions for Card types specified in your Application. Promptly after presentment of Sales Drafts pursuant to the Operating Procedures,we will initiate a transfer of the applicable settlement funds to you. 3.2. Unless otherwise agreed to in writing to the contrary, all fees for Services are deducted as disclosed in accordance to your pricing disclosures or subsequent communications. All settlements for Visa, MasterCard Discover and American Express Card transactions will be net of Credits,Summary Adjustments,applicable discount fees when due,Chargebacks and any other amounts then due from you. We may also set off from any payments otherwise due,any amounts owed to any of our respective Affiliates, whether or not arising out of or related to this Agreement. 3.3. All credits to your Settlement Account or other payments to you are provisional and are subject to, among other things, our right to deduct fees, our final audit, Chargebacks (including our related losses), fees and fines imposed on us by the Card Organizations as a result of your acts or omissions.You agree that we may debit or credit your Settlement Account for any deficiencies, overages, fees and pending Chargebacks and any other amounts owed to us or any of our respective Affiliates, or we may deduct such amounts from settlement funds or other amounts due to you from us, or our respective Affiliates You further agree we can offset any amounts owed to us or our Affiliates related to activity in other accounts maintained in your name or accounts guaranteed by you, any of your principals,guarantors or authorized signors.Alternatively,we may elect to invoice you for any such amounts,net due 30 days after the invoice date or on such earlier date as may be specified. 3.4. We will not be liable for any delays in receipt of funds or errors in debit and credit entries caused by you or any other Person. 3.5. In addition to any other remedies available to us under this Agreement, you agreethatshouldanyEvent ofDefault(see Section 10.4) occur,we may,with or without notice, change processing or payment terms and/or suspend credits or other payments of any and all funds,money and amounts now due or hereafter to become due to you pursuant to the terms of this Agreement, until we have had reasonable opportunity to investigate such event. 3.6. You acknowledge and agree that transfers to and from the Settlement Account shall be based on the account number and routing number supplied by you. We are not responsible for detecting errors in any Settlement Account information you provide, including the account numbers and routing numbers, even if any of those numbers do not correspond to the actual account or financial institution identified by name. 3.7. This Agreement is a contract whereby we are extending financial accommodations to you within the meaning of Section 365(c) of the U.S. bankruptcy code.Your right to receive any amounts due or to become due from us is expressly subject and subordinate to Chargeback,setoff,lien,security interest and our rights to withhold settlement funds under this Agreement, without regard to whether such Chargeback, setoff, lien, security interest and the withholding of settlement funds rights are being applied to claims that are liquidated, unliquidated, fixed, contingent, matured or unmatured. 4. Exclusivity During the term of this Agreement, you shall use us as your exclusive provider of all Services. 5. Fees; Adjustments; Collec tion of Amounts Due 5.1. In consideration of the Services provided by us, you shall be charged, and hereby agree to pay us any and all fees set forth in this Agreement (for purposes of clarity, this includes the Application and any additional pricing disclosures or subsequent communications), all of which will be calculated and payable pursuant to the terms of this Agreement and any additional pricing disclosures or subsequent communications. If a transaction fails to qualify for your anticipated interchange programs or you inadvertently or intentionally accept a transaction other than anticipated for your account (including a different Card type), then, as applicable to your pricing method, you may be charged higher fees as disclosed in your pricing disclosures or subsequent communications, as well, any applicable surcharge for that transaction, all as further described in Section 41.3 of this Agreement and in the Application.With respect to inadvertent or intentional acceptance of a transaction other than the type anticipated for your account (including a different Card type), you will also be subject to payment to us of our then­current transaction fee(s) with respect to such Card and/or transaction and be liable, obligated and responsible under this Agreement for any such transaction to the same extent as you would be if it was of a Card type elected and approved.For more information on Visa’s and MasterCard’s interchange rates, please go to www.visa.com and www.mastercard.com. 5.2. Should you have questions regarding any Non­Qualified fees (including Non­Qualified Interchange Fees or Non­Qualified Surcharge), submit a Non­Qualified Fee Inquiry (NFI) request in writing (either letter,fax or email) within 90 days from the mail date (post mark) of the monthly statement in question.Note that NFI requests received after the 90 day limit may not be considered for refund review.The subject line or reference at the top of your NFI request must state “Non­Qualified Fee Inquiry.” Your NFI request must include your merchant name, merchant number, billing address, and the month of the processing statement on which the non­ qualified fees appeared.When possible,also include a copy of the statement on which the fees in question appear. Written fee inquiries should be submitted by email to nfirequest@wellsfargomerchantservicesllc.com; via fax to (954) 509­1822; or if mailed, sent to: Wells Fargo Merchant, Services, LLC, P.O. Box 6699, Hagerstown, MD 21740, Attn: NFI Investigations Unit. We will provide a written response to your NFI with an explanation. If through our research,we find that a refund is due,we will credit your account within 30 days from the date our research was completed. NFI requests not received in accordance with the foregoing shall not be subject to the response times set forth in this Section. 5.3. All Authorization fees will be charged for each transaction that you attempt to authorize. All capture fees will be charged for each transaction that you transmit to us for settlement. If you are billed a combined fee for both the authorization and capture of a transaction,the authorization and capture must be submitted as a single transaction, otherwise the authorization and the capture will each be charged separately. You are responsible for utilizing software or services that will correctly submit these transactions to achieve the indicated billing. 5.4. The fees for Services set forth in this Agreement are based upon assumptions associated with the anticipated annual volume and average transaction size for all Services as set forth in this Agreement and your method of doing business. If the actual volume or average transaction size are not as expected or if you significantly alter your method of doing business, we may adjust your fees for Services without prior notice. WFB1707GOV REV00 (7/14) 8 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  5.5. The fees for Services set forth in this Agreement may be adjusted to reflect elsewhere in the Agreement, including, without limitation the following, which increases or new fees imposed by Card Organizations, including without we may add to or delete from this list as changes occur in the Card Organization limitation, interchange, assessments and other Card Organization fees, or to pass Rules or our Operating Procedures pursuant to Section 2: through increases or new fees charged to us by third parties related to the Services.All such adjustments shall be your responsibility to pay and shall become effective upon the date any such change or addition is implemented by the applicable Card Organization or third party as specified in our notice to you. 5.6. Subject to Section 10.3, we may also increase our fees or add new fees for Services for any other reason at any time by notifying you thirty (30) days prior to the effective date of any such change or addition. 5.7. If you receive settlement funds by wire transfer, we may charge a wire transfer fee per wire. 5.8. To the extent the Automated Clearing House (ACH) settlement process is used to effect debits or credits to your Settlement Account,you agree to be bound by the terms of the operating rules of the National Automated Clearing House Association, as in effect from time to time. You hereby authorize us to initiate credit and debit entries and adjustments to your account through the ACH network and/or through direct instructions to the financial institution where your Settlement Account is maintained for amounts due under this Agreement and under any agreements with us or our respective Affiliates for any products or services,as well as for any credit entries in error.You hereby authorize the financial institution where your Settlement Account is maintained to effect all such debits and credits to your account.This authority will remain in full force and effect until we have given written notice to the financial institution where your Settlement Account is maintained that all monies due under this Agreement and under any other agreements with us or our respective Affiliates for any products or services have been paid in full. 5.9. You agree to pay any fines imposed on us by any Card Organization resulting from Chargebacks and any other fees or fines imposed by a Card Organization with respect to your acts or omissions.You are responsible for any fines or fees imposed on us as a result of acts or omissions by your agents or third parties. 5.10. If your Chargeback percentage for any line of business exceeds the estimated industry Chargeback Percentage, you shall, in addition to the chargeback fees and any applicable Chargeback handling fees or fines, pay us an excessive Chargeback fee for all Chargebacks occurring in such month in such line(s) of business. Each estimated industry Chargeback Percentage is subject to change from time to time by us in order to reflect changes in the industry Chargeback Percentages reported by Visa, MasterCard, American Express or Discover .Your Chargeback Percentage will be calculated as the larger of (a) the total Visa, MasterCard, American Express and Discover Chargeback items in any line of business in any calendar month divided by the number of Visa,MasterCard, American Express and Discover transactions in that line of business submitted that month, or (b) the total dollar amount of Visa, MasterCard, American Express and Discover Chargebacks in any line of business received in any calendar month divided by the total dollar amount of your Visa, MasterCard, American Express and Discover transactions in that line of business submitted in that month. 5.11. You agree to promptly and carefully review your merchant statements or other documents provided or made available to you (physically, electronically or otherwise provided by Us or others) reflecting Card transaction activity,including, activity in your Settlement Account. If you believe any adjustments should be made with respect to your Settlement Account, you must notify us in writing within sixty (60) days after any debit or credit is, or should have been effected or such shorter period as provided in the terms and conditions that govern such account. If you notify us after sixty (60) days, we shall have no obligation to investigate or effect any adjustments. Any voluntary efforts by us to assist you in investigating such matters shall not create any obligation to continue such investigation or any future investigation. 5.12. If you do not pay us all fees and any other amounts due under this Agreement within thirty (30) days of the date of our merchant statement or other statement setting forth the amount due, then we may, in our sole discretion, charge you interest,for such time that the amount and all accrued interest remain outstanding at the lesser of (i) the per annum rate equal to Bank’s then current prime rate plus two percent (2%), based on a 360 day year, or (ii) the maximum rate permitted by applicable law. 5.13. Other Debits. We may also debit your Settlement Account or your settlement funds in the event we are required to pay Card Organization fees, charges, fines, penalties or other assessments as a consequence of your sales activities. Such debits shall not be subject to any limitations of time specified • Card Organization fees, charges, fines, penalties, registration fees, or other assessments including any fees levied against us or any amount for which you are obligated to indemnify us. • Currency conversion was incorrectly calculated. NOTE: For Discover Network transactions, you are not permitted to convert from your local Discover Network approved currency into another currency, nor may you quote the price of a transaction in U.S. Dollars if completed in another approved currency. • Fees for Services not previously charged. • Reversal of deposit posted to your account in error. • Debit for Summary Adjustment not previously posted. • Reversal of Credit for deposit previously posted. • Debit for Chargeback never posted to your account. • Debit for EDC Batch error fee. • Card Organization Merchant Chargeback/fraud monitoring fees – excessive Chargeback handling fees. • Failure of transaction to meet Member Controller Authorization Service (“MCAS”) – Cardholder account number on exception file. • Original transaction currency (foreign) not provided. • Travel Voucher exceeds maximum value. • Debit and/or fee for investigation and/or Chargeback costs related to this Agreement, or for costs related to our collection activities in an amount no less than $100.00. • Costs arising from replacement or damage to equipment rented. • Payment of current or past due amounts for any equipment purchase, rental or lease. • Incorrect merchant descriptor (name and/or city, state) submitted. • Incorrect transaction date submitted. • Shipping and handling fees. • Costsorexpensesassociatedwithrespondingtoanysubpoena,garnishment, levy or other legal process associated with your account in an amount no less than $150.00. 6. Chargebacks 6.1. You shall be responsible for reimbursing us for all transactions you submit that are charged back. See the Operating Procedures for additional information regarding Chargebacks and Chargeback procedures. 6.2. You shall reimburse us for any Chargebacks, return items, or other losses resulting from your failure to produce a Card transaction record requested by us within the applicable time limits. 7 . R e p r e s e n t a t i o n s ; Wa r ra nt i e s ; Cove n a n t s ; L i m i t a t i o n s o n L i a b i l i t y ; Exclusion of Consequential Damages 7.1. Without limiting any other warranties hereunder, you represent warrant to and covenant with us,and with the submission of each sales Draft reaffirm,the following representations, warranties and/or covenants: 7.1.1. each Card transaction is genuine and arises from a bona fide transaction permissible under the Card Organization Rules by the Cardholder directly with you,represents a valid obligation for the amount shown on the Sales Draft, preauthorize order, or Credit Draft, and does not involve the use of a Card for any other purpose; 7.1.2. each Card transaction represents an obligation of the related Cardholder for the amount of the Card transaction; 7.1.3. the amount charged for the Card transaction is not subject to any dispute, setoff or counterclaim; 7.1.4. each Card transaction amount is only for respective merchandise or services (including taxes,but without any surcharge) sold,leased or rented by you pursuant to your business as indicated on the Application and, except for any delayed delivery or advance deposit Card transactions expressly authorized by this Agreement, the merchandise or service was actually delivered to or performed for the person entering into the Card transaction simultaneously upon your accepting and submitting the Card transaction for processing; WFB1707GOV REV00 (7/14) 9 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         7.1.5. with respect to each Card transaction, you have no knowledge or noticeofanyfact,circumstancesordefense whichwouldindicatethatsuchCard transaction is fraudulent or not authorized by the related Cardholder or which would otherwise impair the validity or collectibility of the Cardholder’s obligation arising from such Card transaction or relieve the Cardholder from liability with respect thereto; 7.1.6. each Card transaction is made in accordance with these General Terms, Card Organization Rules and the Operating Procedures; 7.1.7. each Sales Draft is free of any alteration not authorized by the related Cardholder; 7.1.8. you have completed one Card transaction per sale; or one Card transaction per shipment of goods for which the Cardholder has agreed to partial shipments; 7.1.9. you are validly existing, in good standing and free to enter into this Agreement; 7.1.10. each statement made on the Application or other information provided to us in support of this Agreement is true and correct; 7.1.11. you are not doing business under a name or style not previously disclosed to us; 7.1.12. you have not changed the nature of your business, Card acceptance practices, delivery methods, return policies, or types of products or services sold requiring a different Merchant Category Code (“MCC”) under Card Organization Rules, in a way not previously disclosed to us; 7.1.13. you will use the Services only for your own proper business purposes and will not resell, directly or indirectly, any part of the Services to any Person; 7.1.14. you have not filed a bankruptcy petition not previously disclosed to us; 7.1.15. you own and control the Settlement Account, and no third party security interest or lien of any type exists regarding the Settlement Account or any Card transaction. 7.1.16. you will not at any time during the term of this Agreement,or until all amounts due under this Agreement have been paid in full, grant or pledge any security interest or lien in the Reserve Account,Settlement Account or transaction proceeds to any Person without our consent; 7.1.17. the Card transaction is not a payment for a product or service that violates federal, state or local law in any jurisdiction that may be applicable. 7.2. THIS AGREEMENT IS A SERVICE AGREEMENT. WE DISCLAIM ALL REPRE­ SENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, MADE TO YOU OR ANY OTHER PERSON, INCLUDING WITHOUT LIMITATION, ANY WARRANTIES REGARDING QUALITY, SUITABILITY, MERCHANTABILITY, FITNESS FOR A PART­ ICULAR PURPOSE,NONINFRINGEMENT OR OTHERWISE OF ANY SERVICES OR ANY GOODS PROVIDED INCIDENTAL TO THE SERVICES PROVIDED UNDER THIS AGREEMENT, INCLUDING WITHOUT LIMITATION, ANY SERVICES OR ANY GOODS PROVIDED BY A THIRD PARTY. 7.3. IN NO EVENT SHALL EITHER PARTY,OR THEIR AFFILIATES OR ANY OF OUR OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR SUBCONTRACTORS, BE LIABLE UNDER ANY THEORY OF TORT, CONTRACT, STRICT LIABILITY OR OTHER LEGAL THEORY FOR LOST PROFITS, LOST REVENUES, LOST BUSINESS OPPORTUNITIES, EXEMPLARY, PUNITIVE, SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES,EACH OF WHICH IS HEREBY EXCLUDED BY AGREEMENT OF THE PARTIES, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR WHETHER ANY PARTY OR ANY ENTITY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.CLIENT ACKNOWLEDGES AND AGREES THAT PAYMENT OF ANY EARLY TERMINATION FEE OR LIQUIDATED DAMAGES AS PROVIDED ELSEWHERE IN THIS AGREEMENT SHALL NOT BE PROHIBITED BY THIS PARAGRAPH. 7.4. NOTWITHSTANDING ANYTHING IN THIS AGREEMENT TO THE CONTRARY (INCLUDING BUT NOT LIMITED TO SECTIONS 13 or 7.5), OUR CUMULATIVE LIABILITY FOR ALL LOSSES, CLAIMS, SUITS, CONTROVERSIES, BREACHES OR DAMAGES FOR ANY CAUSE WHATSOEVER (INCLUDING, BUT NOT LIMITED TO, THOSE ARISING OUT OF OR RELATED TO THIS AGREEMENT),REGARDLESS OF THE FORM OF ACTION OR LEGAL THEORY SHALL NOT EXCEED, (I) $50,000; OR (II) THE AMOUNT OF FEES RECEIVED BY US PURSUANT TO THIS AGREEMENT FOR SERVICES PERFORMED IN THE IMMEDIATELY PRECEDING 12 MONTHS,WHICHEVER IS LESS. 7.5. NOTWITHSTANDING ANYTHING IN THIS AGREEMENT TO THE CONTRARY (INCLUDING BUT NOT LIMITED TO SECTION 13), OUR LIABILITY TO ANY DELAY IN FUNDING TRANSACTIONS TO YOU FOR ANY REASON, OTHER THAN FOR ANY REASON DESCRIBED IN SECTIONS 3.4 OR 3.6, WILL BE LIMITED TO INTEREST COMPUTED FROM THE DATE THAT YOU SUBMIT THE TRANSACTION TO THE DATE THAT WE FUND THE TRANSACTION AT THE RATE OF THE FEDERAL FUNDS, AS SET BY THE FEDERAL RESERVE BANK OF NEW YORK, NEW YORK FROM TIME TO TIME. 7.6. NOTWITHSTANDING ANYTHING IN THIS AGREEMENT TO THE CONTRARY, BANK IS NOT RESPONSIBLE,AND SHALL HAVE NO LIABILITY,TOYOU IN ANYWAY WITH RESPECT TO NON­BANK CARD SERVICES. 8. Confidentiality 8.1. Except with the consent of the other party and each applicable Card Organization, Issuer and Cardholder, neither party may use, disclose, store, sell or disseminate any Cardholder information obtained in connection with a Card transaction (including the names, addresses and Card account numbers of Cardholders) except for purposes of authorizing, completing and settling Card transactions and resolving any Chargebacks, Retrieval Requests or similar issues involving Card transactions, other than pursuant to a court or governmental agency request,subpoena or order.Both parties shall use proper controls for and limit access to, and render unreadable prior to discarding, all records containing Cardholder account numbers and Card imprints. You may not retain or store Magnetic Stripe data or Card Validation Codes after a transaction has been authorized.If you store any electronically captured signature of a Cardholder,you may not reproduce such signature except upon our specific request. 8.2. You acknowledge that you will not obtain ownership rights in any information relating to and derived from Card transactions. Cardholder account numbers,personal information and other Card transaction information,including any databases containing such information, may not be sold or disclosed to a third party as an asset upon a bankruptcy,insolvency or failure of Client’s business. Upon a bankruptcy, insolvency or failure of Client’s business all Card transaction information must be returned to Servicers or acceptable proof of the destruction of all Card transaction information must be provided to Servicers. 8.3. Both parties will treat this Agreement, any Card Organization materials designated as confidential, and any information supplied or otherwise made accessible by either party or their agents as confidential, including without limitation, (i) information about the products, services, operations, procedures, customers, suppliers, sales, pricing, business plans and marketing strategies of Servicers, their respective Affiliates and the customers, clients and suppliers of any of them; (ii) any scientific or technical information,design,process,procedure, formula, or improvement that is commercially valuable and secret in the sense that its confidentiality affords Servicers a competitive advantage over its competitors; and (iii) all confidential or proprietary concepts, documentation, reports, data, specifications, computer software, source code, object code, flow charts, databases, inventions, know­how, show­how and trade secrets, whether or not patentable or copyrightable and will not disclose the same to any third parties,provided,however,that these restrictions do not apply to information:(a) rightfully obtained on a non­confidential basis from a Person (or such Person’s agents and representatives) and your agents and representatives, which Person was not subject to a duty of confidentiality, (b) rightfully and independently known by receiving party on a non­confidential basis prior to its disclosure or (c) generally available to the public other than through any disclosure by or fault of the receiving party or the receiving party’s agents or representatives. 8.3.1. Our confidential information shall be used by you only to exercise your rights and to perform your obligations hereunder. You shall receive our confidential information in confidence and not disclose the confidential information to any third party, except as may be agreed upon in writing by us. Your confidential information will be used by us in accordance with our privacy policy. Each party shall safeguard the confidential information of the other party using a reasonable degree of care, but not less than that degree of care used by it in safe guarding its own similar information or material. Upon request or termination of this Agreement, each party shall return or destroy all of the confidential information of the other party in its possession or control; provided, however, that each party shall be permitted to retain one copy of all confidential information but only as may be necessary to comply with law, payment network rules, or our record retention obligations. 8.3.2. The obligations of confidentiality and restrictions on use in this Section shall not apply to any confidential information that: (i) was in the public domain prior to the date of the Agreement or subsequently came into the public domain through no fault of Client;(ii) was received from a third party free of any obligation of confidence of Client to the third party and which third party, to Client’s WFB1707GOV REV00 (7/14) 10 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         knowledge,was not under an obligation to keep the information confidential;(iii) was already in Client’s possession prior to receipt from us; (iv) is required to be disclosed by law,regulation or court order after giving us as much advance notice as practical of the possibility of disclosure; or (v) is subsequently and independently developed by Client’s employees, consultants or agents without use of or reference to our confidential information. 8.3.3. Except as specifically provided for herein, this Section does not confer any right, license, interest or title in, to or under either party’s confidential information to the other party. Except as specifically provided for herein, no license is hereby granted to either party under any patent, trademark, copyright, trade secret or other proprietary rights of the other party. 8.3.4. Both parties acknowledges that breach of the restrictions on use or disclosure of any of confidential information would result in immediate and irreparable harm to the other party,and money damages would be inadequate to compensate for that harm.The non­breaching party shall be entitled to equitable relief, in addition to all other available remedies, to redress any breach. 8.4. With respect to any information received by us from Client via its use of the Services, we will keep such information confidential in accordance with applicable law; provided,that we may disclose such information (i) to third parties as we deem appropriate to provide the Services, (ii) our auditors and attorneys (internal and external) and regulators, (iii) as required or permitted by law, regulation or court order (iv) to our respective Affiliates as we deem appropriate. In addition,we may use data collected as part of performing payment processing or other transaction­related services for you for the purpose of providing additional products and services to you, other merchants, or third parties. As permitted by law this includes collecting, using, and anonymizing cardholder information,dates,amounts,and other data from your transactions (“Transaction Data”) to provide you with analytic products and services as well as collecting and using Transaction Data anonymized and aggregated with other merchants’ transaction data to provide you, other merchants, and third parties with analytic products and services. 8.5. You shall not assign to any Person, the rights to use the Marks of Servicers, our agents or the Card Organizations. 8.6. Allrights,title,andinterestinandtoallintellectualproperty relatedtothe Services (including without limitation, the content of any materials, web screens, layouts, processing techniques, procedures, algorithms, and methods), owned, developed or licensed by us prior to, during the term of, or after the Agreement, or employed by us in connection with the Services and any updates, changes, alterations,or modifications to or derivative works from such intellectual property, shall be and remain, as among the Parties, our exclusive property. 8.7. Client agrees that we may obtain relevant information from any applicable telecommunications provider utilized by Client, as necessary to investigate any allegation of fraud, suspected fraud or other actual or alleged wrongful act by Client in connection with the Services. 8.8. Client will not: (a) use the Services in any way other than in accordance with this Agreement, any supplied documentation, or as otherwise instructed by us in writing; (b) use the Services, either directly or indirectly, to develop any service or product that competes with the Services; (c) disassemble, decompile, decrypt, extract, reverse engineer, or otherwise attempt to access, ascertain, reconstruct, derive, or appropriate for any reason or purpose (i) the source code for any software, or (ii) any algorithm, process, procedure, idea, or other information contained in the Services;(d) modify,translate,or alter the Services in any manner;(e) create derivative works of or based on the Services; (f) disclose or provide the Services to, or permit the Services to be accessed or used (in any format or by any means) by,any third party other than your authorized employees and contractors who are subject to written confidentiality obligations binding upon such employees and contractors that are no less restrictive than the confidentiality provisions hereunder; (g) directly or indirectly make any copies of the Services, except for (i) backup/archival purposes, or (ii) only with respect to any supplied documentation, as reasonably necessary to facilitate use of the Services as long as any such copies contain all appropriate proprietary notices; (h) remove,relocate,or modify any proprietary rights notices relating the Services; (i) attempt to access,or actually access,portions of the Services not authorized by us for use; (j) rent, lease, sell, assign, sublicense, or otherwise transfer to any third party, whether by operation of law or otherwise, any of the rights granted hereunder; (k) use the Services for any unlawful purpose; (l) use, access, transfer, move,relocate,ship,or transship the Services outside of the United States without obtaining our advance written consent; or (m) circumvent, or attempt to circumvent, any applicable security measures of the Services. 9. Assignments 9.1. Any transfer or assignment of this Agreement by you, without our prior written consent, by operation of law or otherwise, is voidable by us. Any transfer of voting control of you or your parent shall be considered an assignment or transfer of this Agreement.Furthermore,you shall indemnify and hold us harmless from all liabilities, Chargebacks, expenses, costs, fees and fines arising from such transferee’s or assignee’s Submission of Card transactions to us for processing.For purposes of this Section 9, any transfer of voting control shall be considered an assignment or transfer of this Agreement. 9.2. The payment services provided by us require access to a single bank account in which we may initiate both credits and debits.You may not enter into any agreement that would require, in any circumstance or event, the transfer of any payments or proceeds from Card transactions covered by this Agreement to the custody or control of any third party.You may not assign any rights,including the right of payment under this Agreement,to any other person.In the event that you make an assignment (or provide a security interest) of receivables covered by this Agreement, then we may, at our option, elect to (a) refuse to acknowledge such assignment unless accompanied by an authorization to both initiate debits or credits to the bank account of the assignee, (b) terminate this Agreement immediately, or (c) charge for any transfers that we are called upon to make manually to fulfill such an assignment at the rate of $100 per transfer. 9.3. Another Visa and MasterCard member may be substituted for Bank under whose sponsorship this Agreement is performed with respect to Visa and MasterCard transactions. Upon substitution, such other Visa and MasterCard member shall be responsible for all obligations required of Bank for Visa and MasterCard transactions, including without limitation, full responsibility for its Card program and such other obligations as may be expressly required by applicable Card Organization Rules. Subject to Card Organization Rules, we may assign or transfer this Agreement and our rights,duties and obligations hereunder and/or may delegate or subcontract our rights,duties and obligations hereunder, in whole or in part, to any third party, whether in connection with a change in sponsorship,as set forth in the preceding paragraph,or otherwise,without notice to you or your consent. 9.4. Except as set forth elsewhere in this Section and as provided in the following sentence,this Agreement shall be binding upon successors and assigns and shall inure to the benefit of the parties and their respective permitted successors and assigns.No assignee for the benefit of creditors,custodian,receiver, trustee in bankruptcy, debtor in possession, or other person charged with taking custody of a party’s assets or business,shall have any right to continue,assume or assign this Agreement. 10. Term; Events of Default 10.1. This Agreement shall become effective upon the date this Agreement is approved by our Credit Department. 10.2. The initial term of this Agreement shall commence and shall continue in force for three years after it becomes effective. Thereafter, it shall renew for successive one year terms unless and until you provide written notice at least ninety (90) days prior to the end of the then current term or we provide you with notice in accordance with the Agreement. Should you fail to notify us in writing of your request to terminate you acknowledge and agree you will continue to be charged fees pursuant to this Agreement notwithstanding non­use of your account.If you have an equipment lease,termination of this Agreement does not terminate that equipment lease. 10.3. Notwithstanding the above or any other provisions of this Agreement, we may terminate this Agreement at any time and for any reason by providing 20 days’ advance notice to you. We may terminate this Agreement immediately or with shorter notice upon Event of Default as provided under Section 10.4 of this Agreement.You may terminate thisAgreement without penalty in the eventof a material breach of this Agreement by Servicers.In the event we provide notice to you of any new fees or increases in existing fees for Services, pursuant to Section 5.6, you may terminate this Agreement without further cause or penalty by notifying us that you are terminating this Agreement prior to the effective date of such new fees or increases. However, maintaining your merchant account or your continued use of the Services after the effective date of any such fee changes shall be deemed your acceptance of such fee changes for the Services, throughout the term of this Agreement. 10.4. If any of the following events shall occur (each an“Event of Default”): WFB1707GOV REV00 (7/14) 11 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             10.4.1. a material adverse change in your business, financial condition or business prospects; or 10.4.2. any assignment or transfer of voting control of you or your parent; or 10.4.3. a sale of all or a substantial portion of your assets; or 10.4.4. irregular Card sales by you, excessive Chargebacks, noncompliance with any applicable data security standards, as determined by Servicers, or any Card Organization, or any other Person, or an actual or suspected data security breach, nonconformance with any applicable data security standards, as determined by Servicers, any Card Organization, or any other entity, or an actual or suspected data security breach, or any other circumstances which, in our sole discretion,may increase our exposure for your Chargebacks or otherwise present a financial or security risk to us(including your processing transactions for a business type we have designated as unqualified for processing with us); or 10.4.5. any of your representations, warranties or covenants in this Agreement are breached in any respect; or 10.4.6. you default in any material respect in the performance or observance of any term, covenant, condition or agreement contained in this Agreement, including, without limitation, the establishment or maintenance of funds in a Reserve Account, as detailed in Section 11; or 10.4.7. you default in any material respect in the performance or observance of any term, covenant or condition contained in any agreement with any of our respective Affiliates; or 10.4.8. you default in the payment when due, of any material indebtedness for borrowed money; or 10.4.9. you file a petition or have a petition filed by another party under the U.S. bankruptcy code or any other laws relating to bankruptcy, insolvency or similar arrangement for adjustment of debts; consent to or fail to contest in a timely and appropriate manner any petition filed against you in an involuntary case under such laws; apply for or consent to, or fail to contest in a timely and appropriate manner,the appointment of,or the taking of possession by,a receiver, custodian,trustee orliquidatorofyouor of asubstantialpartofyourproperty;or make a general assignment for the benefit of creditors; or take any corporate action for the purpose of authorizing any of the foregoing; or 10.4.10. your independent certified accountants shall refuse to deliver an unqualified opinion with respect to your annual financial statements and your consolidated subsidiaries; or 10.4.11. a violation by you of any applicable law or Card Organization Rule or our reasonable belief that termination of this Agreement or suspension of Services is necessary to comply with any law including without limitation the rules and regulations promulgated by the Office of Foreign Assets Control of the U.S. Department of the Treasury or your breach,as determined by Servicers,of Section 25.2 (“Compliance with Laws”); then, upon the occurrence of (1) an Event of Default specified in subsections 10.4.4, 10.4.9 or 10.4.11, we may consider this Agreement to be terminated immediately, without notice, and all amounts payable hereunder shall be immediately due and payable in full without demand or other notice of any kind, all of which are expressly waived by you, and (2) any other Event of Default, this Agreement may be terminated by us giving not less than 10 days’notice to you,and upon such notice all amounts payable hereunder shall be due and payable on demand. 10.5. Neither the expiration nor termination of this Agreement shall terminate the obligations and rights of the parties pursuant to provisions of this Agreement whichbytheirterms areintended tosurviveorbe perpetualorirrevocable.Such provisions shall survive the expiration or termination of this Agreement. All obligations by you to pay or reimburse us for any obligations associated with transactions you have submitted to us will survive termination of this Agreement until finally and irrevocably paid in full and settled. 10.6. If any Event of Default occurs and regardless of whether such Event of Default has been cured,we may,in our sole discretion,exercise all of our rights and remedies under applicable law and this Agreement,including,without limitation, exercising our rights under Section 11. 10.7. In the event you file for protection under the U.S. bankruptcy code or any other laws relating to bankruptcy, insolvency, assignment for the benefit of creditors or similar laws, and you continue to use our Services, it is your responsibility to open new accounts to distinguish pre and post filing obligations. You acknowledge that as long as you utilize the accounts you established prior to such filing, we will not be able to systematically segregate your post­filing transactions or prevent set­off of the pre­existing obligations. In that event, you will be responsible for submitting an accounting supporting any adjustments that you may claim. 10.8. The Card Organizations often maintain lists of merchants who have had their merchant agreements or Card Acceptance rights terminated for cause.If this Agreement is terminated for cause,you acknowledge that we may be required to report your business name and the names and other information regarding its principals to the Card Organizations for inclusion on such list(s). You expressly agree and consent to such reporting if you are terminated as a result of the occurrence of an Event of Default or for any reason specified as cause by Visa, MasterCard or Discover. Furthermore, you agree to waive and hold us harmless from and against any and all claims which you may have as a result of such reporting. 10.9. After termination of this Agreement for any reason whatsoever, you shall continue to bear total responsibility for all Chargebacks, fees, Card Organization fines imposed on us as a result of your acts or omissions,Credits and adjustments resulting from Card transactions processed pursuant to this Agreement and all other amounts then due or which thereafter may become due under this Agreement. 10.10. After the initial term of this Agreement, if your merchant account is determined to be inactive as determined in our sole discretion,we may cancel this Agreement without further notice. Inactivity will be determined by an extended period of time with no transactions processed by us on your behalf. In the event we close this Agreement for inactivity,the early termination penalty will not apply. 11. Reser ve Account; Security Interest 11.1. You expressly authorize us to establish a Reserve Account to help mitigate our risk exposure under this Agreement. The decision to establish a Reserve Account (and the amount thereof) lies exclusively with us,and you understand that you are obligated to fund such account pursuant to the terms and conditions set forth in this Section 11.The amount of such Reserve Account shall be set by us, in our sole discretion, based upon your processing history (where applicable) and the potential risk of loss to us as we may determine from time to time. 11.2. The Reserve Account shall be fully funded upon three (3) days’ notice to you, or in instances of fraud or suspected fraud an Event of Default Reserve Account funding may be immediate.Such Reserve Account may be funded by all or any combination of the following: (i) one or more debits to your Settlement Account or any other accounts held by Bank or any of its Affiliates;at any financial institution maintained in the name of Client, or if any of same are authorized signers on such account;(ii) any payments otherwise due to you; (iii) your delivery to us of a letter of credit; or (iv) if we so agree, your pledge to us of a freely transferable and negotiable certificate of deposit. Any such letter of credit or certificate of deposit shall be issued or established by a financial institution acceptable to us and shall be in a form satisfactory to us. In the event of termination of this Agreement by any party, an immediate Reserve Account may be established without notice in the manner provided above. Any Reserve Account will be held by us for the greater of ten (10) months after termination of this Agreement or for such longer period of time as is consistent with our liability for your Card transactions and Chargebacks in accordance with Card Organization Rules. We will hold funds pursuant to this Section 11 in master account(s) with your funds allocated to separate sub accounts.Unless specifically required by law, you shall not be entitled to interest on funds held by us in a Reserve Account. 11.3. If your funds in the Reserve Account are not sufficient to cover the Chargebacks,adjustments,fees and other charges and amounts due from you,or if the funds in the Reserve Account have been released,you agree to promptly pay us such sums upon request. 11.4.1. To secure your obligations to us and our respective Affiliates under this Agreement and any other agreement for the provision of equipment products or services (including any obligations for which payments on account of such obligations are subsequently invalidated, declared to be fraudulent or preferential, set aside or required to be repaid to a trustee, receiver or any other party under any bankruptcy act, state or federal law, common law or equitable cause), you grant to us a first priority lien and security interest in and to (i) the Reserve Account and (ii) any of your funds pertaining to the Card transactions contemplated by this Agreement now or hereafter in our possession, whether now or hereafter due or to become due to you from us.Any such funds,money or amounts now or hereafter in our possession may be commingled with other funds of ours, or, in the case of any funds held pursuant to the foregoing paragraphs, with any other funds of other customers of ours. In addition to any rights now or hereafter granted under applicable law and not by way of limitation of any such rights,we are hereby authorizedbyyouat any time and from time to time, without notice or demand to you or to any other Person (any such notice WFB1707GOV REV00 (7/14) 12 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       ­                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 and demand being hereby expressly waived),to set off,recoup and to appropriate and to apply any and all such funds against and on account of your obligations to us and our respective Affiliates under this Agreement and any other agreement with us or any of our respective Affiliates for any related equipment or related services,whether such obligations are liquidated,unliquidated,fixed,contingent, matured or unmatured. You agree to duly execute and deliver to us such instruments and documents as we may reasonably request to perfect and confirm the lien,security interest, right of set off,recoupment and subordination set forth in this Agreement. 11.4.2. To the extent funds are held in a separate Reserve Account, the Reserve Account shall be subject to (i) Servicers’security interest pursuant to this subsection 11.4, and (ii) an account control agreement (as defined by the applicable sections of the Uniform Commercial Code, hereinafter referred to as “Control Agreement”) among you, the institution at which the Reserve Account is held (such institution hereinafter referred to as“Settlement Account Bank”) and Servicers (such investment account hereinafter referred to as the “Control Account”).The Control Agreement shall be in form and substance satisfactory to Servicers.The Settlement Account Bank shall be a national bank which is mutually acceptable to you and Servicers. 11.4.3. For sake of clarification and notwithstanding anything in the Agreement to the contrary, in the event Servicers deduct, holdback, suspend, off set or set off (collectively “Set Off Funds”) any settlement monies or amounts otherwise due you pursuant to the terms of this Agreement, you acknowledge that such Set Off Funds will be held in a commingled Reserve Account(s) of Servicers unless such Set Off Funds are wired or deposited by Servicers into any Control Account, pursuant to a Control Agreement in which case Servicers will transfer Set Off Funds from their commingled Reserve Account(s) to the Control Account as soon as practicable using commercially reasonable efforts. 11.4.4. If in replacement of or in addition to the first priority lien and security interest in the Reserve Account, you grant to Servicers a first priority lien and security interest in and to one or more certificates of deposit, the certificates of deposit shall be uncertificated and shall be subject to an Acknowledgement of Pledge of Certificate of Deposit and Control Agreement (the “Certificate of Deposit Control Agreement”) by, between and among Customers, Servicers and the financial institution that has established and issued the certificate of deposit. The form of the Certificate of Deposit Control Agreement and the financial institution that will establish and issue the certificate of deposit shall be satisfactory and acceptable to Servicers. 12. Financial and O ther Information 12.1. Upon request, you will provide us and our Affiliates, quarterly financial statements within 45 days after the end of each fiscal quarter and annual audited financial statements within 90 days after the end of each fiscal year.Such financial statements shall be prepared in accordance with generally accepted accounting principles. You will also provide such other financial statements and other information concerning your business and your compliance with the terms and provisions of this Agreement as we may reasonably request.You authorize us and our Affiliates to obtain from third parties financial and credit information relating to you in connection with our determination whether to accept this Agreement and our continuing evaluation of your financial and credit status. We may also access and use information which you have provided to Bank for any other reason. Upon request, you shall provide, and/or cause to be provided, to us and our Affiliates, or our representatives or regulators (as well as those of the Card Organizations) reasonable access to your or your providers’facilities and records for the purpose of performing any inspection and/or copying of your books and/or records deemed appropriate. In such event, you shall pay the costs incurred by us or our Affiliates for such inspection, including, but not limited to, costs incurred for airfare and hotel accommodations. Section 12.1 shall not be in force as long as you maintain a commercial lending relationship with Wells Fargo Bank, N.A. and Wells Fargo Bank, N.A. is permitted to disclose your financial statements to Wells Fargo Merchant Services upon request. In the event you terminate your commercial lending relationship with Wells Fargo Bank, N.A., you shall be obligated to satisfy the requirements of this Section 12.1. 12.2. You will provide us with written notice of any judgment, writ, warrant of attachment,execution or levy against any substantial part (25% or more in value) of your total assets not later than three (3) days after you become aware of same. 13. Indemnification 13.1. You agree to indemnify and hold us and the Card Organizations harmless from and against all losses, liabilities, damages and expenses: (a) resulting from the inaccuracy or untruthfulness of any representation or warranty, breach of any covenant or agreement or any misrepresentation by you under this Agreement; (b) arising out of your or your employees’ or your agents’ negligence or willful misconduct, in connection with Card transactions or otherwise arising from your provision of goods and services to Cardholders; (c) arising out of your use of the Services; or (d) arising out of any third party indemnifications we are obligated to make as a result of your actions (including indemnification of any Card Organization or Issuer). 13.2. We agree to indemnify and hold you harmless from and against all losses, liabilities, damages and expenses resulting from any breach of any warranty, covenant or agreement or any misrepresentation by us under this Agreement or arising out of our or our employees’ gross negligence or willful misconduct in connection with this Agreement; provided that this indemnity obligation shall not apply to Bank with respect to Non­Bank Services. 14. Special Provisions Regarding Non Bank Cards 14.1. Non­Bank Card transactions are provided to you by Processor and not by Bank and include transactions made using Discover and American Express Card types.Services provided,transactions processed and other matters contemplated under this Section 14 are subject to the rest of the Agreement, as applicable, except to the extent the terms of this Section 14 directly conflict with another provision of this Agreement,in which case the terms of this Section 14 will control; provided,however,that (i) Bank is not a party to this Agreement insofar as it relates to Non­Bank Card services, and Bank is not liable to you in any way with respect to such Services and (ii) you agree to pay Processor any per item processing, authorization and other fees described in the application for any non­acquired transaction services you receive from Processor. For the purposes of this section, the words“we,”“our”and“us”refer only to Processor and not to the Bank.You authorize us to share information from your Application with American Express any other Non­Bank Card Organization. 14.2. You understand that if, based upon your anticipated Card transaction volume you do not qualify for our full service program but have otherwise been approved for accepting American Express transactions, then (a) your authorizations will be obtained from and funded by American Express, (b) American Express will provide you with its own agreement that governs those transactions,and (c) you understand and agree that (i) we are not responsible and assume absolutely no liability with regard to any such transactions,including but not limited to the funding and settlement of American Express transactions, and (ii) American Express will charge additional fees for the services they provide. If, based on your anticipated Card transaction volume, you do qualify for our full service program, then your acceptance of American Express will be governed exclusively by this Agreement. 14.3. If you accept JCB,Diners Club International,UnionPay,BCcard,and Dinacard cards,you agree to be bound by the Discover provisions of this Agreement.You also acknowledge and agree that JCB,Diners Club International,UnionPay,BCcard, and Dinacard transactions will be processed under and will be subject to Discover Card Organization Rules. 15. Special Provisions For Debit Card The special provisions outlined in this Section 15 apply only to those Debit Card transactions that are processed by a Cardholder entering a PIN unless the transaction is a debit network supported PINless Transaction. The Services provided, transactions processed and other matters contemplated under this Section 15 are subject to the rest of this Agreement, as applicable, except to the extent the terms of this Section 15 directly conflict with another provision of this Agreement, in which case the terms of this Section 15 will control. 15.1. Debit Card Acceptance. Most, but not all, Debit Cards can be accepted at thepointofsaleatparticipating locations.Examinethe backoftheDebit Cardto determine if the Card participates in a network that you are authorized to accept. The Network mark(s) will usually be printed on the back of the Card. If the Debit Card is valid and issued by a participating network, you must comply with the following general requirements for all participating networks, in addition to any specific requirements of the network. • You must honor all valid Debit Cards when presented that bear authorized network marks. • You must treat transactions by Cardholders from all Issuers in the same WFB1707GOV REV00 (7/14) 13 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       manner. • You may not establish a minimum or maximum transaction amount for Debit Card acceptance. • You may process cash back or store credit on PIN Debit Cards on a merchandise return according to your store policy. • Youmaynotrequireadditionalinformation,besidethePersonalIdentification Number, for the completion of the transaction unless the circumstances appear suspicious. A signature is not required for Debit Card transactions. • You shall not disclose transaction related information to any party other than your agent, a network, or issuing institution and then only for the purpose of settlement or error resolution. • You may not process a Credit Card transaction in order to provide a refund on a Debit Card transaction. 15.2. Transaction Processing. The following general requirements apply to all Debit Card transactions. • All Debit Card transactions must be authorized and processed electronically. There is no Voice Authorization or Imprinter procedure for Debit Card transactions. • You may not complete a Debit Card transaction that has not been authorized. The Cardholder should be instructed to contact the Issuer to find out why a transaction received a Referral or decline response. If you cannot obtain an authorization at the time of sale,you should request another form of payment from the customer or process the transaction as a Store and Forward or Resubmission, in which case you assume the risk that the transaction fails to authorize or otherwise declines. The Cardholder should be instructed to contact the Issuing Bank to find out why a transaction has been declined. • Unless the transaction is a network supported PINless Transaction you may not complete a Debit Card transaction without entry of the Personal Identification Number (PIN) by the Cardholder. • ThePINmustbeenteredintothePINpadonlybytheCardholder.Youcannot accept the PIN from the Cardholder verbally or in written form. • The PIN Debit Network used to process your transaction will depend upon, among other things, our own business considerations, the availability of the PIN Debit network at the time of the transaction and whether a particular PIN Debit Card is enabled for a particular Debit network. The PIN Debit network utilized to route your transaction may or may not be the lowest cost network available. We may, in our sole discretion (i) utilize any PIN Debit network available to us for a given transaction (including a PIN Debit network affiliated with Processor) and (ii) add and/or remove PIN Debit networks available to you based on a variety of factors including availability, features, functionality and our own business considerations. • You must issue a receipt to the Cardholder upon successful completion of a transaction and effect PAN Truncation on it. • You may not manually enter the account number.The account number must be read electronically from the Magnetic Stripe. If the Magnetic Stripe is unreadable, you must request another form of payment from the customer. • Any applicable tax must be included in the total transaction amount for which authorization is requested.Tax may not be collected separately in cash. • YOU ARE RESPONSIBLE TO SECURE YOUR TERMINALS AND TO INSTITUTE APPROPRIATE CONTROLS TO PREVENT EMPLOYEES OR OTHERS FROM SUBMITTING REFUNDS AND VOIDS THAT DO NOT REFLECT BONA FIDE RETURNS OR REIMBURSEMENTS OF PRIOR TRANSACTIONS. 15.3. Cash Back From Purchase. You have the option of offering cash back to your customers when they make a PIN Debit Card purchase, if cash back is supported by the PIN Debit Network associated with the PIN Debit Card presented by your customer. You may set a minimum and maximum amount of cash back that you will allow.If you are not now offering this service,your terminal may require additional programming to begin offering cash back. 15.4. Settlement. Within one Business Day of the original transaction,you must balance each location to the system for each Business Day that each location is open. 15.5. Adjustments. An adjustment is a transaction that is initiated to correct a Debit Card transaction that has been processed in error.You will be responsible for all applicable adjustment fees that may be charged by a Debit Card network. Some networks may have established minimum amounts for adjustments. There are several reasons for adjustments being initiated: • The Cardholder was charged an incorrect amount, either too little or too much. • The Cardholder was charged more than once for the same transaction. • A processing error may have occurred that caused the Cardholder to be charged even though the transaction did not complete normally at the point of sale. • All parties involved in processing adjustments are regulated by time frames that are specified in the operating rules of the applicable Debit Card network, The Electronic Funds Transfer Act, Regulation E, and other applicable law. 16. Reserved 17. Special Provisions Regarding Wireless Ser vice If you elect to purchase the Wireless Services from us, then the following terms and conditions of this Section 17,referred to as the“Wireless Services Terms,”shall apply. THE WIRELESS SERVICES ARE BEING SOLD TO YOU FOR USE IN BUSINESS AND ARE NOT BEING SOLD TO YOU FOR HOUSEHOLD OR PERSONAL USE. Sale of Wireless Services is made by Processor and not the Bank.The Services provided, transactions processed and other matters contemplated under this Section 17 are subject to the rest of this Agreement, as applicable, except to the extent the terms of this Section 17 directly conflict with another section of this Agreement, in which case the terms of this Section 17 will control; provided, however, that Bank is not a party to this Agreement insofar as it relates to Wireless Services,and Bank is not liable to you in any way with respect to such services.For the purposes of this section, the words “we,”“our” and “us” refer only to the Processor and not to the Bank. Through one or more third party vendors (“Wireless Vendor(s)”) selected by us in our sole discretion, we have acquired the right to resell certain wireless data communication services that use radio base stations and switching offered by certain cellular telephone and data networks throughout the country (the “Wireless Networks”) in order to allow you to capture and transmit to Processor and Bank certain wireless Card Authorization transactions or to transmit other communications to our system (“Wireless Services”). If you elect to purchase voice and/or data services directly from a third party provider for use with the Wireless Equipment as permitted by Processor, you acknowledge and agree that this Agreement does not address or govern those voice and/or data services or your relationship with that third party provider,and Servicers are in no way responsible for providing, maintaining, servicing or supporting such third party voice and/or data services. 17.1. Purchase of Wireless Services. The prices that you will pay for the Wireless Services are set forth on the Application. In connection with your purchase of Wireless Services, you will receive access to a certain Wireless Network(s). • Licenses. You agree to obtain any and all licenses, permits or other authorizations required by the Federal Communications Commission (“FCC”) or any other regulatory authority, if any, for the lawful operation of Wireless Equipment used by you in connection with your receipt of Wireless Services. You will promptly provide us with all such information as we may reasonably request with respect to matters relating to the rules and regulations of the FCC. • Wireless Equipment. You agree that in order to access the Wireless Services, you must use wireless POS Terminals and accessories approved for use with the Wireless Services by Processor from time to time in its sole discretion (the “Wireless Equipment”). If Wireless Equipment is purchased by you from us as indicated on the Application, then the terms of this Agreement, including without limitation Section 18 of this Agreement, apply to your use of such Wireless Equipment. • Improvements / General Administration. We and the Wireless Vendor(s) reserve the right to make changes, from time to time, in the configuration of the Wireless Services, Wireless Networks, Wireless Equipment, Wireless Software, rules of operation, accessibility periods, identification procedures, typeandlocationof equipment,allocationandquantityofresourcesutilized, programming languages, administrative and operational algorithms and designation of the control center serving you at the particular address. In addition, we reserve the right to schedule, from time to time, interruptions of service for maintenance activities. • Suspension of Wireless Services. We or a Wireless Network may suspend the Wireless Services to: (a) prevent damages to, or degradation of, our or a Wireless Network’s network integrity that may be caused by a third party; (b) WFB1707GOV REV00 (7/14) 14 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  comply with any law, regulation, court order or other governmental request which requires immediate action; or (c) otherwise protect us or a Wireless Network from potential legalliability.To the extent commercially reasonable, we shall give notice to you before suspending the Wireless Services to you. If not commercially reasonable to give prior notice,we will give notice to you as soon as commercially practicable thereafter. Availability of the Wireless Services may vary due to events beyond the control of us or our Wireless Vendors. In the event of a suspension of the Wireless Services, we or the applicable Wireless Vendor will promptly restore the Wireless Services after the event giving rise to the suspension has been resolved. 17.2. Software Licenses. Processor hereby grants to you a non­exclusive, non­ transferable,revocable limited sublicense to use any wireless software (including any documentation relating to or describing the wireless software) downloaded by you or your designee from Processor’s systems onto the Wireless Equipment in connection with your purchase and use of the Wireless Services in accordance with the terms of this Agreement, including this Section 17 and Section 18 (“Wireless Software”). Anything in this Agreement to the contrary notwith­ standing,we or certain third parties retain all ownership and copyright interest in and to all Wireless Software, related documentation, technology, know­how and processes embodied in or provided in connection with the Wireless Software,and you shall have only a nonexclusive, non­transferable license to use the Wireless Software in your operation of the Wireless Equipment for the purposes set forth in this Agreement. Nothing in this Agreement confers any title or ownership of any such Wireless Software to you or shall be construed as a sale of any rights in any such Wireless Software to you.You agree to accept,agree to and be bound by all applicable terms and conditions of use and other license terms applicable to such Wireless Software.You shall not reverse engineer,disassemble or decompile the Wireless Software. You shall not give any Person access to the Wireless Software without our prior written con sent.Your obligations under this Section 17.2 shall survive the termination of this Agreement. You acknowledge that the only right you obtain to the Wireless Software is the right to use the Wireless Software in accordance with the terms in this Section. 17.3. Limitation on Liability. We shall have no liability for any warranties by any party with respect to uninterrupted Wireless Services,as set forth in Section 17.10, or for any Person’s unauthorized access to Client’s data transmitted through either the Wireless Equipment or Wireless Services (including the Wireless software), or Wireless Networks, regardless of the form of action (whether in contract, tort (including negligence), strict liability or otherwise). The foregoing notwith­ standing, for any other liability arising out of or in any way connected with these Wireless Services Terms, including liability resulting solely from loss or damage caused by partial or total failure,delay or nonperformance of the Wireless Services or relating to or arising from your use of or inability to use the Wireless Services, Processor’s, Bank’s, and Wireless Vendor(s)’ liability shall be limited to your direct damages, if any, and, in any event, shall not exceed the lesser of the amount paid by you for the particular Wireless Services during any period of failure, delay, or nonperformance of the Wireless Services or $50,000.00.In no event shall Servicers, Wireless Vendor(s) or our respective Affiliates be liable for any indirect incidental, special consequential or punitive damages.The remedies available to you under these Wireless Services Terms will be your sole and exclusive remedies with respect to the Wireless Services. 17.4. Indemnification. In addition to any other indemnifications as set forth in this Agreement,you will indemnify and hold Servicers,Wireless Vendor( s) and us and our respective officers,directors,employees,and Affiliates harmless from and against any and all losses, claims, liabilities, damages, costs or expenses arising from or related to: (a) the purchase, delivery, acceptance, rejection, ownership, possession, use condition, liens against, or return of the Wireless Equipment or the Wireless Equipment (including the Wireless Software), as applicable; (b) your negligent acts or omissions; (c) any breach by you of any of your obligations under this Section 17; or (d) any Person’s unauthorized access to Client’s data and/or unauthorized financial activity occurring on your Merchant Account Number hereunder, except to the extent any losses, liabilities, damages or expenses result from our gross negligence or willful misconduct. 17.5. Confidentiality. All information or materials which could reasonably be considered confidential or competitively sensitive that you access from or relate to either Wireless Vendor(s) or Servicers related to the subject matter of these Wireless Services Terms will be considered confidential information. You will safeguard our confidential information with at least the same degree of care and security that you use for your confidential information, but not less than reasonable care. 17.6. Termination. In addition to any other provision in this Agreement, the Wireless Services being provided under this Section 17 may terminate: a) Immediately upon termination of the agreement between us (or our Affiliates) and Wireless Vendor(s), provided that we will notify you promptly upon our notice or knowledge of termination of such agreement,provided further that if Wireless Vendor(s) loses its authority to operate less than all of the Wireless Services or if the suspension of any authority or non­renewal of any license relates to less than all of the Wireless Services, then these Wireless Services Terms will terminate only as to the portion of the Wireless Services affected by such loss of authority, suspension or non­renewal; or b) Immediately if either we or our Affiliates or Wireless Vendor(s) are prevented from providing the Wireless Services by any law, regulation, requirement, ruling or notice issued in any form whatsoever by judicial or governmental authority (including without limitation the FCC). 17.7. Effect of Termination. Upon termination of these Wireless Services Terms for any reason, you will immediately pay to us all fees due and owing to us hereunder. If these Wireless Services Terms terminate due to a termination of the agreement between us or our Affiliates and Wireless Vendor(s), then we may, in our sole discretion, continue to provide the Wireless Services through Wireless Vendor(s) to you for a period of time to be determined as long as you continue to make timely payment of fees due under these Wireless Services Terms. 17.8. Third Party Beneficiaries. Wireless Vendor(s) are third party beneficiaries of these Wireless Services Terms and may enforce its provisions as if a party hereto. 17.9. Other Applicable Provisions. You also agree to be bound by all other terms and conditions of this Agreement. 17.10.Disclaimer. Wireless Services use radio transmissions,so Wireless Services can’t be provided unless your Wireless Equipment is in the range of one of the available Wireless Networks’ transmission sites and there is sufficient network capacity available at that moment.There are places,particularly in remote areas, with no service at all. Weather, topography, buildings, your Wireless Equipment, and other conditions that we do not control may also cause failed transmissions or other problems. PROCESSOR, BANK, AND WIRELESS VENDOR(S) DISCLAIM ALL REPRESENTATIONS AND WARRANTIES RELATING TO WIRELESS SERVICES. WE CANNOT PROMISE UNINTERRUPTED OR ERROR FREE WIRELESS SERVICE AND DO NOT AUTHORIZE ANYONE TO MAKE ANY WARRANTIES ON OUR BEHALF. 18. Terms of Equipment Purchase or Rental This Section 18 governs any equipment that is rented to you on a month to month basis or that is sold to you by Processor under the Merchant Processing Application, subsequent purchase or rental agreements and/or other documentation provided in connection with the purchase or rental of Equipment (“Equipment Documents”). Equipment rented to or purchased by you under the Equipment Documents is referred to in this Section 18 as the“Equipment.”THE EQUIPMENT IS BEING SOLD TO YOU FOR USE IN YOUR BUSINESS AND IS NOT BEING SOLD OR RENTED TO YOU FOR HOUSEHOLD OR PERSONAL USE. Sales and rentals of equipment are made by Processor. The Services provided, Equipment, Equipment Documents and other matters contemplated under this Section 18 are subject to the rest of the Agreement as, applicable except to the extent the terms of this Section 18 directly conflict with any other provision of the Agreement , in which case the terms of this Section 18 will control; provided, however,that Bank is not a party to this Agreement insofar as it relates to sales and rental of Equipment and Bank is not liable to you in any way with respect to such services. For purposes of this section the words “we,”“our,” and “us” refer only to Processor and not to Bank. Warranties, if any, for the Equipment or any related Software originate from the applicable third party provider or manufacturer (“Vendor”). Materials or documents,if any,setting forth warranty terms,conditions,exceptions,exclusions and disclaimers will be contained within the packaging shipped from the Vendor. We or third parties designated by us will only provide help desk support for Equipment purchased or rented from us under the Equipment Documents, and we will not provide any such support or related services for any other products or equipment. YOU ACKNOWLEDGE THAT THE EQUIPMENT AND/OR SOFTWARE YOU PURCHASED OR RENT FROM US OR SUBSEQUENTLY PURCHASE OR RENT FROM US, MAY NOT BE COMPATIBLE WITH ANY OTHER PROCESSOR’S SYSTEMS. WE DO NOT HAVE ANY OBLIGATION TO MAKE SUCH SOFTWARE AND/OR EQUIPMENT COMPATIBLE WITH ANY OTHER PROCESSING SYSTEMS. IN THE EVENT THAT YOU WFB1707GOV REV00 (7/14) 15 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               ELECT TO USE ANOTHER PROCESSING SERVICE PROVIDER UPON THE TERM­ INATION OF THIS AGREEMENT,YOU ACKNOWLEDGE THAT YOU MAY NOT BE ABLE TO USE THE EQUIPMENT AND/OR SOFTWARE RENTED OR PURCHASED UNDER THIS AGREEMENT. 18.1. Purchased Equipment; Supplies. We will sell to you, and you will buy from us the Equipment identified in the Equipment Documents throughout the term of this Agreement as being purchased by you (individually and collectively the“Purchased Equipment”),free and clear of all liens and encumbrances (subject to Section 18.7), except that any “Software” (as defined in Section 18.8) will not be sold to you outright but instead will be provided to you pursuant to, and subject to the conditions of Section 18.8 of this Agreement. You shall pay the purchase price specified for the Purchased Equipment and the related software license(s),including all applicable tax and shipping and handling charges,prior to the effective date of this Agreement or at our option, such amounts will be collected by usbydebits ordeductionspursuantto Section18.5.We will provide you supplies as requested by you from time to time. You shall pay the purchase price for such supplies, plus shipping and handling charges, including all applicable tax,prior to delivery of the supplies or upon invoice,as specified by us, or at our option, such amounts will be collected by us by debits or deductions pursuant to Section 18.5. (Maintenance and repair of merchant­owned equipment is your responsibility). Should your terminal become inoperable, we can provide you with equipment at a monthly rental fee. There will also be a nominal shipping and handling fee. For such rental equipment contact the POS Help Desk.) 18.2. Rental Equipment. We agree to rent to you and you agree to accept and rent from us the Equipment identified in the Equipment Documents as being rented to you (individually and collectively the“Rental Equipment”),according to the terms and conditions of this Section 18. In addition, any Equipment ordered by and rented to you during the term of this Agreement shall constitute Rental Equipment and be governed by the terms of this Section 18. 18.3. Effective Date and Term of Section 18. This Section 18 shall become effective on the first date you receive any piece of Equipment covered by this Section 18.This Section 18 will remain in effect until all of your obligations and all of our obligations under this Agreement have been satisfied. We will deliver the Equipment to the site designated by you.You shall be deemed to have accepted each piece of Equipment at the earlier of: (a) your actual acceptance after installation,(b) delivery to you if your site is not prepared and ready for installation or (c) for Equipment that we have not agreed to install for you,seven (7) days after shipment of each such piece of Equipment.The rental period with respect to each piece of Equipment shall commence on the date such Equipment is deemed accepted and shall terminate at the scheduled termination date (but not upon any early termination) of this Agreement and/or any other agreement then in effect with us for Card services.The provisions of this Section 18 shall survive the termination or expiration of this Agreement and continue until all Rental Equipment is returned or paid for. 18.4. Site Preparation; Installation & Maintenance. You will prepare the installation site(s) for the Equipment, including but not limited to the power supply circuits and phone lines, in conformance with the manufacturer’s and our specifications and will make the site(s) available to us by the confirmed shipping date.You will support the installation in accordance with our requirements. • Upon request, you must allow us (or our agents) reasonable access to the premises where authorization terminals or other communications equipment (e.g., printers) are or will be located. • Any alterations required for installation of authorization terminal(s) or other communications equipment will be done at your expense. • Only we or our agents can alter or modify authorization terminal(s) or other communications Equipment owned by us. • If a terminal or printer appears to be defective, you must immediately call the POS Help Desk. • You are responsible for safeguarding authorization terminals or other Equipment from loss, damage, unauthorized use, misuse or theft. We should be notified immediately regarding any damage to or loss of communications equipment. • Ifnecessary,wewillassistyouinobtainingreplacementEquipment.Ifyoufail to return any defective Equipment, you may be responsible for its replacement value and for any legal and/or collection costs incurred by the Equipment owner in connection with recovering Equipment. • You are responsible for keeping all communication Equipment free of any claims, liens and legal processes initiated by creditors. • Equipment may not be subleased at any time. The cost of comparable new Equipment,as well as any associated legal and/or collection costs incurred by us or the owner of the Equipment, will be assessed to you for each piece of equipment not returned upon termination of the Agreement by either party, or upon request for the return of the Equipment for any reason. • You may not relocate, remove, disconnect, modify or in any way alter any Equipment used in connection with the services we are providing to you without first obtaining our permission. • You must provide us with thirty (30) days prior written notice to request the relocation of any Equipment. • Should you require additional Equipment, you must contact Relationship Management or Customer Service (there may be additional costs or fees charged to you in connection with any new Equipment ordered, including download fees). 18.5. Payment of Amounts Due. a) You agree to pay the monthly rental charge specified in the Equipment Documents which shall be due and payable on the first day of each month of the rental period for each piece of Rental Equipment, except that the first payment of the monthly rental charge for each piece of Rental Equipment shall be due and payable upon acceptance of such Equipment by you at the location designated in the Equipment Documents or,upon delivery if the site is not prepared for installation (as provided in Section 18.3). The monthly rental charge for fractions of a calendar month shall be prorated based on a thirty (30) day month. b) You hereby authorize us to collect all amounts due from you under this Section 18 by initiating debit entries for such amounts to your account designated pursuant to the Merchant Agreement to be debited and credited for amounts due from and to the Settlement Account or by deducting such amounts from amounts due to you from TeleCheck or Servicers. c) In addition to the purchase price or monthly rental charge due hereunder, you shall pay,or reimburse us for,amounts equal to any taxes,levies,shipping fees, duties or assessments, however designated, levied or based on such charges, or on this Agreement or the Equipment and related supplies or any services, use or activities hereunder, including without limitation, state and local sales,use,property,privilege and excise taxes,exclusive,however,of taxes based on our net income. d) Separate charges will apply for supplies; they are not included in monthly rental charges. 18.6. Use and Return of Equipment; Insurance. a) You shall cause the Equipment to be operated by competent and qualified personnel in accordance with any operating instructions furnished by us or the manufacturer and in connection with the Services You shall not use the Equipment, or permit the Equipment to be used, in any manner or for any purpose for which the Equipment is not designed or reasonably suited. b) You shall not permit any physical alteration or modification of the Equipment without our prior written consent. c) You shall not change the installation site of the Equipment without our prior written consent, which consent we will not unreasonably withhold. d) You shall not assign your rights or obligations under this Agreement, or pledge, lend, create a security interest in, directly or indirectly create, incur, assume or allow to exist any other consensually or judicially imposed liens or encumbrances on, or part with possession of, or sublease the Rental Equipment to any other person,firm or organization without our prior written consent. Any such assignment, delegation, sublease, pledge, security interest or lien in the absence of such consent shall be void. e) Youshallcomplywithallgovernmentallaws,rulesandregulationsrelatingto the use of the Equipment. You are also responsible for obtaining all legally required permits for the Equipment. f) We or our representatives may, at any time, enter your premises for purposes of inspecting, examining or repairing the Equipment. g) Promptly upon termination of all applicable rental periods or promptly following any action by us pursuant to Section 18.11(b), you shall deliver possession of the Rental Equipment (including all attachments and parts) to usat your costin thesame operating order,repair,conditionand appearance that the Rental Equipment had at the time of its delivery to you, reasonable WFB1707GOV REV00 (7/14) 16 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               wear and tear excepted. Section7.2ofthisAgreement),ourliabilityarisingoutoforinanywayconnected h) For each item of Rental Equipment that you fail to return to us at your cost in with the Equipment or related software shall not exceed the purchase price or the same operating order, repair, condition and appearance that it had at the time of delivery to you, reasonable wear and tear excepted, by the 10th Business Day after (i) termination of the applicable rental period, or (ii) any action by us pursuant to Section 18.11(b), you agree to pay us the greater of $250 or the fair market value of such item of Equipment if it were in the condition described above,as determined by us.We may collect such amounts in the manner provided in Section 18.5 and to the extent we are unable to do so, you agree to pay us the amounts owed promptly. i) ExceptforPurchasedEquipmentthathasbeenpaidforinfull,theEquipment shall remain our personal property and shall not under any circumstances be considered to be a fixture affixed to your real estate. You shall permit us to affix suitable labels or stencils to the Equipment indicating our ownership. j) You shall keep the Rental Equipment adequately insured against loss by fire, theft and all other hazards (comprehensive coverage). The loss, destruction, theft of or damage to the Rental Equipment shall not relieve you from your obligation to pay the full purchase price or rent payable hereunder. k) Except for Purchased Equipment that has been paid in full, the Equipment shall be kept at the address indicated in the Equipment Documents and shall not be removed from there without our prior written consent (except where normal use of the Equipment requires temporary removal). l) In order to return equipment, you should: • Call Customer Service for the address of the location to send the equipment. • The following information must be included within the shipping box: 1. Client name, complete address and phone number. 2. Name of person to contact if there are any questions. 3. Your Merchant Account Number. 4. Serial number of the terminal (found on the underside of the terminal). • Please maintain proof of delivery documents for your records, and the serial number from the bottom of the terminal. • Rental fees may be continued until equipment is returned. Payment acquisition and processing equipment and software sourced from Servicers or from a third party, is subject to obsolescence due to factors such as inability to accommodate required security and functional updates or due to model discontinuation by the manufacturer and unavailability of spare parts. Client acknowledges and understands that obsolete point of sale equipment will need to be replaced by non­obsolete and compliant point of sale equipment in the event of equipment failure, or as requested by Servicers to bring the Client into compliance with card network mandates and regulations. Client will be responsible for any costs associated with upgrading to non­obsolete and compliant equipment. 18.7. Security Interest; Financing Statements. You hereby grant to us a security interest in (a) all Purchased Equipment and the related Software to secure payment of the purchase price, and (b) all Rental Equipment and the related Software to secure payment of the monthly payments therefore and authorize us to file financing statements with respect to the Equipment and the Software in accordance with the Uniform Commercial Code, signed only by us or signed by us as your attorney­in­fact. 18.8. Software License. Anything in this Agreement to the contrary notwithstanding,we or certain parties retain all ownership and copyright interest in and to all software, computer programs, related documentation, technology, know­how and processes embodied in or provided in connection with the Equipment(collectively“Software”),andyoushallhaveonlya nonexclusive,non­ transferable, revocable license to use the Software in your operation of the Equipment for purposes set forth in this Agreement. Nothing in this Agreement confers any title or ownership of any such Software to you or shall be construed as a sale of any rights in any such Software to you.You agree to accept,agree to and be bound by all applicable terms and conditions of use and other license terms applicable to such Software.You shall not reverse engineer,disassemble or decompile the Software.You shall not give any third party access to the Software without our prior written consent.Your obligations under this Section 18.8 shall survive the termination of this Equipment Agreement. 18.9. Limitation on Liability. Notwithstanding any provision of this Agreement to the contrary and in addition to the limitations and disclaimers set forth in Section 7 of this Agreement (including without limitation the disclaimers in prior twelve month’s rent, as applicable, paid to us for the particular Equipment involved. 18.10.Indemnification. You shall indemnify and hold us harmless from and against any and all losses,liabilities,damages and expenses,resulting from (a) the purchase, delivery, installation, acceptance, rejection, ownership, leasing, possession,use,operation,condition,liens against,or return of the Equipment,or (b) any breach by you of any of your obligations hereunder, except to the extent any losses, liabilities, damages or expenses result from our gross negligence or willful misconduct. In addition to your other obligations hereunder,You acknowledge and agree that the“use”and“operation”of the Equipment for which you will indemnify and hold us harm less shall include,but not be limited to,You loading additional software onto Equipment or using such software,or using Equipment or Software to access the Internet. 18.11.Default; Remedies. a) If any debit of your Settlement Account initiated by us for rent and/or other charges due hereunder is rejected when due,or if you otherwise fail to pay us any amounts due hereunder when due, or if you default in any material respect in the performance or observance of any obligation or provision in this Section 18, or if any other default occurs under this Agreement, any such event shall be a default hereunder. b) Upon the occurrence of any Event of Default, we may at our option, effective immediately without notice, either: (i) terminate the period of rental and our future obligations under this Section 18, repossess the Equipment and proceed in any lawful manner against you for collection of all charges that have accrued and are due and payable, in which case this Section 18 shall terminate as soon as your obligations to us are satisfied, or (ii) accelerate and declare immediately due and payable all monthly rental charges for the remainder of the applicable rental period and proceed in any lawful manner to obtain satisfaction of the same. 19. Reserved 2 0 . S p e c i a l p r o v i s i o n s R e g a rd i n g Tra n s Ar m o r ® S e r v i c e s If you elect to utilize the TransArmor Service, the following additional terms and conditions of this Section 20 shall apply. The TransArmor Service is provided to you by Processor and not Bank.Bank is not a party to this Agreement insofar as it applies to the TransArmor Service,and Bank is not liable to you in any way with respect to such services. For the purposes of this section,the words“we,”“our”and“us”refer only to the Processor and not the Bank. The TransArmor Service provided, transactions processed and other matters contemplated under this Section 20 are subject to the rest of this Agreement, as applicable, except to the extent the terms of this Section 20 directly conflict with another provision of this Agreement, in which case the terms of this Section 20 will control. 20.1. Definitions. Capitalized terms used herein in this Section 20 shall have the meanings given to such terms as set forth in this Section or as defined in the Glossary or elsewhere in this Agreement. “Legacy Data Conversion” means that process by which historical information containing primary account Numbers (PAN) from transactions completed by you prior to implementation of TransArmor will be converted to information containing a Token. “Multi­Pay Token” shall mean your specific alpha­numeric value that is: (i) randomly generated when a Card number is requested to be registered by you as your specific Token upon receipt of Cardholder approval to register the Card number; (ii) becomes associated with you and the Card within Processor and its Affiliates’ systems; (iii) can be stored by you in your systems in lieu of the Card number to represent the Card number; (iv) can be used to initiate authorization processing for Cardholder­initiated or recurring payments;(v) may be retrieved by Processor or its Affiliates within their systems in connection with processing future transactions involving the same Card number or registered Token when submitted by you for authorization processing; and (vi) is returned to you from Processor or its Affiliates’ systems as part of the Register PAN Response and/or WFB1707GOV REV00 (7/14) 17 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              authorization response. “Registered PAN Response” is defined as the registration of a specific Card number (i.e., PAN) for purposes of associating that PAN with a specific Token. “Token” means an alpha­numeric value that: (i) is randomly generated when a Card number used in a transaction is initially submitted by you for authorization processing; (ii) becomes associated with the Card within Processor and its Affiliates’ systems; (iii) may be retrieved by Processor or its Affiliates within their systems in connection with processing future transactions involving the same Card number when submitted by you for authorization processing; and (iv) is returned to you from Processor or its Affiliates’systems as part of the authorization response. “Token Request” shall mean your request to obtain a Multi­Pay Token for credit card information only (i.e., without an immediate authorization required), which permits you to store a Multi­Pay Token for future transactions involving the Cardholder. “TransArmor Service” means those services described in Section 20.3 and may be either TransArmor VeriFone Edition Service or TransArmor RSA Service as selected by you. 20.2. Grant of License. Processor grants to you a non­transferable, non­ assignable,non­exclusive,revocable sub­license during the term of this Section 20 to use the TransArmor Service and the TransArmor Service Marks (as identified in the TransArmor Rules and Procedures) in the United States in accordance with this Section 20,including without limitation the TransArmor Rules and Procedures. Any rights with respect to the TransArmor Service not expressly granted by Processor in this Section 20 are deemed withheld. 20.3. Services. The TransArmor Service applies only to Card transactions sent from you to us for authorization and interchange settlement pursuant to the Agreement, and specifically excludes electronic check transactions,, closed­loop gift card transactions, STAR contactless transactions read in contactless mode, Wright Express transactions,Voyager transactions,and other Card types that are not capable of being tokenized. Processor and Client may agree to include additional transaction types in the TransArmor Service when made available by Processor.Processor will provide an encryption key or other encryption capability to you to be used to encrypt (make unreadable) Card data during transport of the authorization request from your point of sale to Processor’s systems. During the period when the transaction is being transmitted to Processor for authorization processing, all historical transaction data, including Card number and full magnetic stripe data (track data and expiration date), will be encrypted. Processor will then generate or retrieve a unique, randomly generated Token or Multi­Pay Token assigned to the Card number that will be returned to you in the authorization response. You must select one of the two options for the TransArmor Service as indicated on the Merchant Processing Application: • TransArmor VeriFone Edition Service. This service option is limited to those clients which have an eligible VeriFone point of sale (“POS”) devices and desire the software or hardware based encryption and tokenization to be activated through the VeriFone device. • TransArmor RSA Service. This service option provides software based encryption and tokenization that is available to all clients to integrate into their POS or the point of sale device, if available or supported. 20.4. Responsibilities of Client. You are responsible to comply with the following regarding your use of the TransArmor Service: a) YouarerequiredtocomplywiththeCardOrganizationRules,includingtaking all steps required to comply with the Payment Card Industry Data Security Standards (PCI DSS).You must ensure that all third parties and software use by you in connection with your payment card processing are compliant with PCI DSS. Use of the TransArmor Service will not, on its own, cause you to be compliant with, or eliminate your obligation to comply with PCI DSS or any other Card Organization Rule. You must demonstrate and maintain your current PCI DSS compliance certification. Compliance must be validated: (i) either (A) by a Qualified Security Assessor (QSA) with corresponding Report on Compliance (ROC) or (B) by successful completion of the applicable PCI DSS Self­Assessment Questionnaire (SAQ) or Report on Compliance (ROC),and (ii) if applicable to your business,by passingquarterly networkscans performed by an Approved Scan Vendor, all in accordance with Card Organization Rules and PCI DSS. b) Use of the TransArmor Service is not a guarantee against an unauthorized breach of your point of sale systems or any facility where you process and/or store transaction data (collectively,“Merchant Systems”). c) You must deploy the TransArmor Service (including implementing any upgrades to such service within a commercially reasonable period of time after receipt of such upgrades) throughout your Merchant Systems including replacing existing Card numbers on your Merchant Systems with Tokens or Multi­Pay Tokens, as applicable. Full Card numbers must never be retained, whether in electronic form or hard copy. d) You must use the Token or Multi­Pay Token, as applicable, in lieu of the Card number for ALL activities subsequent to receipt of the authorization response associated with the transaction, including without limitation, settlement processing, retrieval processing, chargeback and adjustment processing and transaction reviews. e) Any point of sale device, gateway and/or value added reseller used by you in connection with the TransArmor Service must be certified by Processor for use with the TransArmor Service. f) If you send or receive batch files containing completed Card transaction information to/from Processor, you must utilize the service provided by Processor to enable such files to contain only Tokens or Multi­Pay Tokens, as applicable or truncated information. g) You must utilize truncated report viewing and data extract creation within reporting tools provided by Processor. h) You are required to follow rules or procedures we may provide to you from time to time related to your use of the TransArmor Service (“TransArmor Rules and Procedures”).We will provide you with advance written notice of any such rules or procedures and any changes to such rules or procedures. i) You have no right, title or interest in or to the TransArmor Service, any related software, materials or documentation, or any derivative works thereof, and nothing in this Agreement assigns or transfers any such right, title or interest to you. You shall not take any action inconsistent with the stated title and ownership in this Section 20. You will not file any action, in any forum that challenges the ownership of the TransArmor Service, any related software, materials or documentation. Failure to comply with this provision will constitute a material breach of this Agreement. We have the right to immediately terminate this Section 20 and your access to and use of the TransArmor Service in the event of a challenge by you. No additional rights are granted by implication, estoppel or otherwise. j) You will not: (i) distribute, lease, license, sublicense or otherwise disseminate the TransArmor Service or any portion of it to any third party; (ii) modify, enhance,translate,supplement,create derivative works from,reverse engineer, decompile or otherwise reduce to human­readable form the TransArmor Service or any portion of it; (iii) sell, license or otherwise distribute the TransArmor Service or any portion of it; (iv) make any copies, or permit any copying, of the TransArmor Service or any portion of it; or (v) use any portion of the TransArmor Service as a standalone program or in any way independently from the TransArmor Service.If any portion of the TransArmor Service contains any copyright notice or any other legend denoting the proprietary interest of Processor or any third party, you will not remove, alter, modify, relocate or erase such notice or legend on such item. k) You will only use the TransArmor Service for your internal business purposes in a manner consistent with this Agreement. l) You will use only unaltered version(s) of the TransArmor Service and will not use, operate or combine the TransArmor Service or any related software, materials or documentation, or any derivative works thereof with other products, materials or services in a manner inconsistent with the uses contemplated in this Section 20. m) You will promptly notify Processor of a breach of any terms of this Section 20. n) You must obtain a Cardholder’s written or electronic consent to store a Multi­ Pay Token to represent such Cardholder’s Card number for future purchases. o) You must store the Multi­Pay Token in its Merchant Systems in lieu of the Card number for all Cardholder profile records. p) You must require Cardholders to log into their Cardholder profile in order to initiate a Transaction with the registered Token. This login must require two factors authentication, such as a user ID and password. q) If you cease a processing relationship, then you must permanently delete all Tokens or Multi­Pay Tokens, as applicable, contemplated under this Section 20 from all Merchant Systems no later than ninety (90) days after the termination or expiration of the processing relationship. 20.5. Term; Amendment; Termination. Unless prohibited by applicable law, WFB1707GOV REV00 (7/14) 18 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         Processor may modify this Section 20 by providing written notice of such modifications to you.You may choose not to accept the requirements of any such modifications by notifying Processor in writing within thirty (30) days after receiving the modifications notice that you are terminating the TransArmor Service provided under this Section 20.In addition to any termination rights in this Section 20, Processor may terminate the TransArmor Service (i) upon thirty (30) days’advance written notice to you,or (ii) immediately if your material breach of the terms contained in this Section 20 remains uncured for ten (10) days following your receipt of written notice of such breach from Processor. 20.6. Fees. You shall pay the fees for TransArmor Service as set forth on the Application. 20.7. TransArmor Limited Warranty (“Limited Warranty”). Processor warrants that the Token or Multi­Pay Token, as applicable, returned to you, as a result of using the TransArmor Service, cannot be used to initiate a financial sale transaction by an unauthorized entity/person outside the Merchant Systems.This warranty by Processor is referred to herein as the“Limited Warranty”and is subject to the terms and conditions set forth in this Section 20. To be eligible for the Limited Warranty, you must maintain a processing relationship with Processor and be in compliance with all the terms ofthe Agreement,including thisSection 20, and any other agreement relating to transaction Cards eligible for the TransArmor Service. Subject to the terms, conditions and limitations set forth in the Agreement, including the limitation of liability provisions, Processor agrees to indemnify and hold you harmless from direct damages, including third party claims, resulting from Processor’s breach of the Limited Warranty. The express remedy for Processor’s breach of the Limited Warranty set forth in this paragraph constitutes Processor’s entire liability and your sole and exclusive remedy for Processor’s breach of the LimitedWarranty.The LimitedWarranty is void if (i) you use the TransArmor Service in a manner not contemplated by, or in violation of, the Agreement, including this Section 20, or any other agreement relating to transaction Cards eligible for the TransArmor Service or (ii) you are grossly negligent or engage in intentional misconduct. 20.8. TransArmor Disclaimer. IN ADDITION TO THE DISCLAIMERS SET FORTH IN THE AGREEMENT,THE FOLLOWING DISCLAIMER APPLIES TO THE TRANSARMOR SERVICE: EXCEPT AS EXPRESSLY PROVIDED IN THIS SECTION 20, PROCESSOR MAKES NO REPRESENTATIONS, WARRANTIES OR COVENANTS, EXPRESS OR IMPLIED WITH REGARD TO THE TRANSARMOR SERVICE INCLUDING THE UNINTERRUPTED OR ERROR­FREE OPERATION OF THE TRANSARMOR SERVICE OR NONINFRINGEMENT. 21. Reserved 22. Reserved 23. Reserved 2 4 . C h o i ce o f L aw ; Ve n u e ; Wa i ve r o f J u r y Tr i a l ; L i m i t at i o n o n C l a i m s 24.1. Choice of Law. Our Agreement shall be governed by and construed in accordance with the laws of the State of New York (without regard to its choice of law provisions). 24.2. Venue. We have substantial facilities in the State of New York and many of the services provided under this Agreement are provided from these facilities. The exclusive venue for any actions or claims arising under or related to this Agreement shall be in the appropriate state or federal court located in Suffolk County, New York. 24.3. Waiver of Jury Trial. ALL PARTIES IRREVOCABLY WAIVE ANY AND ALL RIGHTS THEY MAY HAVE TO A TRIAL BY JURY IN ANY JUDICIAL PROCEEDING INVOLVING ANY CLAIM RELATING TO OR ARISING UNDER THIS AGREEMENT. 24.4. Without limiting any other terms or conditions contained in this Agreement, you agree that any lawsuit or other action you may wish to bring against us to adjudicate claims arising under this Agreement must be commenced and filed by you within one (1) year of the date on which your claim first accrued,without regard to the date on which your claim was discovered.Any action that is not commenced and filed by you within such one (1) year time period shall be barred,without regard to any other limitations period set forth by law or statute. 24.5. You understand and agree that request for additional secondary location(s) shall be included in this Merchant Processing Agreement. 25. O ther Terms 25.1. Force Majeure. No party shall be liable for any default or delay in the performance of its obligations under this Agreement if and to the extent such default or delay is caused, directly or indirectly, by (i) fire, flood, earthquake, elements of nature or other acts of God; (ii) any terrorist attacks or outbreak or escalation of hostilities, war, riots or civil disorders in any country; (iii) any act or omission of the other party or any government authority; (iv) any labor disputes (whether or not employees’demands are reasonable orwithinthe party’s power to satisfy);or (v) the nonperformance by a Person for any similar cause beyond the reasonable control of such party, including without limitation, failures or fluctuations in telecommunications or other equipment. In any such event, the non­performing party shall be excused from any further performance and observance of the obligations so affected only for as long as such circumstances prevail and such party continues to use commercially reasonable efforts to recommence performance or observance as soon as practicable.Notwithstanding anything to the contrary in this paragraph, your failure to receive payment of funds from a Person shall not excuse the performance of your obligations to us under this Agreement. 25.2. Compliance with Laws. In performing its obligations under this Agreement,each party agrees to comply with all laws and regulations applicable to it. You further agree to cooperate and provide information requested by Servicers,as Servicers determine necessary,to facilitate Servicers compliance with any applicable law including without limitation the rules and regulations promulgated by the Office of Foreign Assets Control of the US Department of the Treasury. Without limiting the foregoing, you acknowledge and agree that “restricted transactions” as defined in the Unlawful Internet Gambling Enforcement Act of 2006 and Regulations GG (“Restricted Transactions”) issued thereunder are prohibited from being processed through your Account or any relationship between you and the Bank.You represent and warrant that you will not submit such Restricted Transactions for processing through your Account. You further acknowledge and agree that you will not use your merchant account and/or the Services for illegal transactions, for example, those prohibited by the Unlawful Internet Gambling Enforcement Act, 31 U.S.C. Section 5361 et seq, as may be amended from time to time, or those involving any Person listed on the U.S.Department of Treasury,Office of Foreign Assets Control,Specially Designated Nationals and Blocked Persons List (available at www.treas.gov/ofac) or the U.S. Department of State’s Terrorist Exclusion List (available at www.state.gov) or the processing and acceptance of transactions in certain jurisdictions pursuant to 31 CFR Part 500 et seq. and other laws enforced by the Office of Foreign Assets Control (“OFAC”) or in connection with illegal activity of any kind. In the event we identify a suspected restricted transaction, we may block or otherwise prevent or prohibit such transaction,we may close the Account or end the relationship, and we may seek any other remedies available to us under this Agreement or otherwise. 25.3. Notices. Except as otherwise specifically provided, all notices and other communications required or permitted hereunder (other than those involving normal operational matters relating to the processing of Card transactions) shall be in writing,to you at your address appearing in the Application,or via Electronic Communications (as further described in Section 25.12),including but not limited to the e­mail address you have provided on the Application.If to us at our address appearing in Section 41.4 of this Agreement, with a copy to Attention: General Counsel’s Office, 3975 N.W. 120th Avenue, Coral Springs, FL 33065. Notices shall be deemed to have been given (i) if sent by mail or courier, upon the earlier of five (5) days after mailing of when actually received or,in the case of courier,when delivered,and (ii) if sent by facsimile machine,when the courier confirmation copy is actually received. Notice given in any other manner shall be effective when actually received. Notices sent to your last known address (including e­mail address), as indicated in our records, shall constitute effective notice to the Merchant under this Agreement. Notwithstanding the above, all bankruptcy or collection related, notices must be sent to the following address – Merchant Services Dept., 5251 Westheimer Road, Fourth Floor Houston,Texas 77056 Attn:Bankruptcy,and Collection Notifications. All such notices must include the related merchant name and merchant number. Failure to provide Notice to this address or include this pertinent merchant information will be deemed ineffective. All notices must include your merchant WFB1707GOV REV00 (7/14) 19 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           name(s) and merchant number(s). Failure to provide notice in the manner described in this Section will be deemed ineffective. 25.4. Headings. The headings contained in this Agreement are for convenience of reference only and shall not in any way affect the meaning or construction of any provision of this Agreement. 25.5. Severability. The parties intend every provision of this Agreement to be severable. If any part of this Agreement is not enforceable, the remaining provisions shall remain valid and enforceable. 25.6. Entire Agreement; Waiver. This Agreement constitutes the entire Agreement between the parties with respect to the subject matter thereof and supersedes any previous agreements and understandings. A party’s waiver of a breach of any term or condition of this Agreement shall not be deemed a waiver of any subsequent breach of the same or another term or condition. 25.7. Amendment. We may modify any provision of this Agreement by providing written notice to you.You may choose not to accept the requirements of any such change by terminating the Agreement within twenty (20) days of receiving notice.Ifyouchoose todoso,notifyusthatyouareterminatingforthis reason so that we may waive any early termination fee that might otherwise apply. For purposes of this section,in addition to Electronic Communications (as further described in Section 25.12) an electronic or“click­wrap”notice intended to modify or amend this Agreement and which you check“I Accept”or“I Agree”or otherwise accept through an electronic process,shall constitute a writing as required herein. This section 25.7 does not apply to fee changes, which are governed by Sections 5.5 and 5.6. 25.8. Third Party Beneficiaries. Our respective Affiliates and any Persons we use in providing the Services are third party beneficiaries of this Agreement and each of them may enforce its provisions as it was a party hereto. Except as expressly provided in this Agreement, nothing in this Agreement is intended to confer upon any Person or entity other than the parties any rights or remedies, and the parties do not intend for any Persons to be third­party beneficiaries of this Agreement. 25.9. Card Organization Rules. The parties acknowledge that the Visa, MasterCard and Discover Card Organization Rules give Visa, MasterCard and Discover, certain rights to require termination or modification of this Agreement with respect to transactions involving Visa, MasterCard and Discover Cards and the Visa,MasterCard and Discover Card systems and to investigate you.The parties also acknowledge that issuers of other Cards, for which we perform services on your behalf, may have similar rights under their applicable Card Organization Rules with respect to this Agreement’s applicability to transactions involving such other Cards. 25.10. Publicity. Client may not use our logo, name, trademark, or service mark of Processor and/or Bank in any manner, including without limitation, in any advertisements, displays, or press releases without the prior written consent of Processor and Bank. 25.11. IRS Reporting. Pursuant to Section 6050W of the Internal Revenue Code, merchant acquiring entities and third party settlement organizations are required to file an information return with the IRS for each calendar year beginning January 1, 2011, reporting all payment card transactions and third party network transactions with merchants occurring in that calendar year.Accordingly,you will receive a Form 1099 reporting your gross transaction amounts for each calendar year beginning with transactions processed in calendar year 2011. In addition, amounts reportable under Section 6050W are subject to backup withholding requirements. We are required to perform backup with holding by deducting and withholding income tax from reportable transactions if (a) you fail to provide your taxpayer identification number (TIN) to us, or (b) the IRS notifies us that the TIN (when matched with the name) provided by you is incorrect. Accordingly, to avoid backup withholding from your daily merchant funding amount, it is very important that you provide us with the correct name and TIN that you use when filing the tax return that includes the transactions for your business. PLEASE NOTE THAT VARIOUS STATES MAY HAVE ADDITIONAL REPORTING/­ WITHHOLDING REQUIREMENTS. 25.12 Electronic Communications. You consent to receiving documents, notices and other communications from us electronically (collectively,“Electronic Communications”) rather than in paper form. We may send such Electronic Communications to you directly at the last known email address that you provide to us, or we may notify you that an Electronic Communication is available at a website designated by us and provide you with instructions on accessing the Electronic Communication.You agree that such notification will be sent to you at the last known e­mail address that you provide to us, which will be the email address identified on your Application unless you subsequently notify us that you have a new email address.You agree to maintain a valid email address and keep your email address current with us at all times.You understand and acknowledge that access to the Internet, e­mail and the worldwide web are required for you to access an Electronic Communication,and you confirm that you have such access. You understand that there may be costs related to accessing Electronic Communications (e.g. you may have to purchase internet services, software or hardware), and you agree that you are responsible for any such related access costs. At our discretion, we may choose to discontinue or resume sending Electronic Communications at any time provided that if we elect not to send a document,notice or communication electronically,we will instead send the same in paper form.You acknowledge that if for any reason you are not able to open a readable version of an Electronic Communication that we send to you, it is your responsibility to contact us to notify us of the same and to request a copy in paper form. WFB1707GOV REV00 (7/14) 20 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         B. OPER ATING PROCEDURES This part of the Program Guide (through Section 38) describes the procedures and methods for submitting Credit Card transactions for payment, obtaining Authorizations, responding to Chargebacks and Media Retrieval Requests, and other aspects of the operations of our services. Processor is a full­service financial transaction processor dedicated,among other processing services, to facilitating the passage of your Sales Drafts back to the thousands of institutions who issue the MasterCard,® Visa® and Discover Cards carried by your customers,as well as to the independent Card Issuers of American Express®.The Operating Procedures contained in this part focus primarily on the MasterCard, Visa and Discover Card Organization Rules, and seek to provide you with the principles for a sound Card program; however, you should consult the Card Organization Rules for complete information and to ensure full compliance with them.They are designed to help you decrease your chargeback liabilityand train your employees. (In the event we provide Authorization, processing or settlement of transactions involving Cards other than MasterCard, Visa and Discover, you should also consult those independent Card Issuers’ proprietary rules and regulations.) The requirements set forth in these Operating Procedures will apply unless prohibited by law.You are responsible for following any additional or conflicting requirements imposed by your state or local jurisdiction. 2 6 . M a s t e r Ca r d , Vi s a , D i s co ve r a n d Am e r i c a n E x p r e s s C a r d Acc e p t a n c e 26.1. Card Descriptions. At the point of sale, the Card must be carefully examined to determine whether it is a legitimate and valid Card and not visibly altered or mutilated. The name of the Card (e.g., Visa, MasterCard, Discover or American Express) should appear in bold letters on the Card. For all MasterCard and Visa Cards and some Discover Cards, the Card Issuer (e.g., XYZ Bank, etc.) should also appear in bold letters on the Card.The following is a description of the authorized Visa, MasterCard, Discover and American Express Card designs: Visa: Visa Cards have the Visa symbol on the right­hand side of the Card. Above the Visa symbol is the 3­dimensional hologram of the Visa Dove design. The expiration date must be followed by one space and the symbol “V”. Visa Cards contain a 16­digit account number embossed across the middle of the Cards and the first digit is always a four (4). In addition, the Classic and Preferred Cards have the first four digits of the account number printed directly below the embossed number.You must always check these numbers carefully to ensure that they are the same.Visa has a new Card design which differs significantly from the previous description.“Card Acceptance and Chargeback Management Guidelines for Visa Merchants”(VRM 08.12.16).You may download the document free of charge from Visa’s website at http://www.visa.com/merchant or order a hardcopy to be mailed to you for a nominal charge by telephoning Visa Fulfillment at 800­VISA­311.Both the old and new Visa Card designs will be circulating concurrently in the marketplace through the year 2010. Only Visa Cards fitting the old or new descriptions may be accepted. Beginning May 2008, Visa issued a new card design for unembossed Visa cards. Unlike embossed Visa cards with raised numbers, letters and symbols, the un­ embossed card has a smooth, flat surface. Because of the unembossed cards flat surface, it cannot be used for transactions that require a card imprint. Un­ embossed cards can only be used by merchants who process with an electronic Point Of Sale Terminal.As a result,the bottom of the card bears the following note, “Electronic Use Only”. MasterCard: MasterCardCardsareissuedunderthefollowingnames:MasterCard, EuroCard,Access,Union,Million and Diamond.The MasterCard symbol appears on the front or back of the Card. MasterCard and the Globe designs appear in a 3­ dimensional hologram above the symbol.In addition,the words Classic,Preferred, Gold or Business may appear.MasterCard account numbers are sixteen (16) digits, and the first digit is always a five (5). The first four digits of the account must be printed directly below the embossed number. Only MasterCard Cards fitting this description may be accepted. Beginning Jan 2006, MasterCard has a new Card design significantly different from the previous description. You are required to familiarize yourself with the new design by consulting a document “MasterCard Card Identification Features.”You may download the document free of charge from MasterCard’s website at http://www.mastercardmerchant.com/us/merchant.Both the old and new MasterCard Card designs will be circulating concurrently in the marketplace through the year 2010.Only MasterCard Cards fitting the old or new descriptions may be accepted. Discover: TheDiscoverNetworkincludesDiscover,DinersClubInternational,JCB, UnionPay,BCCard andDinacard.ValidstandardrectangularplasticCardsbearing a Discover® Acceptance Mark include the following common characteristics and distinctive features. • The Discover Acceptance Mark may appear on the lower right corner of the front, back, or both sides of the Card. • Cards display either a three­dimensional hologram on the front or back of the Card or a three­dimensional holographic magnetic stripe on the back of the Card.Valid Cards do not display holograms on both front and back. • Card Numbers may be embossed or unembossed and will appear on either the front or back of a Card.Card Numbers begin with the number“6”and are composed of 16 digits that should be clear and uniform in size and spacing. • The Cardholder name, and if applicable, business name, may be embossed or unembossed and will appear on either the front or back of the Card. • The “Valid Thru” date may be embossed or unembossed and will appear on either the front or back of a Card in mm/yy format that indicates the last month in which the Card is valid. • The words “DISCOVER” or “DISCOVER NETWORK” appears on the front of the Card under an ultraviolet light. • Thesignaturepaneldisplaysthewords“DISCOVER”or“DISCOVERNETWORK” and may vary in size. Cards may contain a panel that includes an ultraviolet image of the word“DISCOVER.”An underprint of“void”on the signature panel becomes visible if erasure of the signature is attempted. • The last four digits of the Card Number may be displayed on the back of the Card and are commonly printed in reverse indent printing on the signature panel. • On embossed Cards, a security character, displayed as an embossed stylized “D”appears on the front of the Card. • The 3­digit CID is printed on the back of the Card in a separate box to the right of the signature panel. NOTE: Valid Cards may not always be rectangular in shape (e.g., Discover 2GO Cards). Certain valid unembossed Cards or Contactless Payment Devices approved by us for use in accessing Card Accounts (e.g., contactless stickers, key fobs, and Mobile Commerce Devices) and to conduct Contactless Card Transactions may not display the some features described above.Card expiration date and other features listed above are not displayed on such Contactless Payment Devices. NOTE: For unembossed Cards used to conduct a Card Present Card Sales, Merchants must obtain an Authorization Response electronically using a POS Device. A Card Sale involving an unembossed Card may be subject to Dispute if the Merchant “key enters” Card information into a POS Device and does not use the electronic Authorization procedures. Diners Club International: • A Diners Club International Acceptance Mark in upper left corner. • Two­character alphanumeric code printed in the lower right corner. • Embossed 14 – digit Account Number (begins with 36). • Embossed digits on the card must be clear and uniform in size and spacing within groupings. • Embossed expiration data appears in mm/yy format and indicates the last month in which the Card is valid. Note: Some valid Cards bearing a Diners Club International Acceptance Mark display a printed,unembossed Card number.If a Card sale involving a Diners Club International Card with an unembossed Card number cannot be completed by swiping the card through the POS Device, the card should not be accepted. If submitted, such card sale may be subject to Dispute. Union Pay: • A 16 – digit Card number starting with“622,”“624,”“625,”“626,”or“628”is embossed on the front of the Card. • Embossed digits on the Card should be clear and uniform in size and spacing. • The embossed expiration date appears in mm/yy format and indicates the last month in which the Card is valid. • The Card contains a magnetic stripe. • A three­dimensional hologram image of Heaven Temple in the foreground with Chinese characters in the background appears on the front of all such Cards.The hologram reflects light as it is rotated. WFB1707GOV REV00 (7/14) 21 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            • “Valid Thru” and the Cardholder name (which may not be in English) are embossed on the front of the Card. • The CID appears on the upper right corner of the signature panel. Note: Text on Cards bearing a China UnionPay Acceptance Mark may not be printed in English. JCB: • CardNumbersaremadeupof16digits,startingwith“35”embossedorprinted on the front of the Card. • Embossed digits on the Card should be clear and uniform in size and spacing within groupings. • TheCardholdernameand,ifapplicable,businessnameembossedonthefront of the Card. • A JCB Acceptance Mark appears on the front of the Card. • Athree­dimensionalhologramimageofrisingsun,rainbow,and“JCB”inmicro lettering appears on either the front or the back of the Card. The hologram reflects light as it is rotated. • The embossed expiration date appears in mm/yy or mm/dd/yy format on the front of the Card and indicates the last month in which the Card is valid. • The Card contains a magnetic stripe on the back of the Card. • Thename“JCB”appearsinultravioletinkontheleftbottomofthefrontofthe Card when held under an ultraviolet light. • The first four digits of the Card number match the 4­digit number pre­printed just below the embossed Card number of the front of the Card. • The first four digits of the Card number displayed on the signature panel on the back of the Card match the last four digits of the Card number that appears on the front of the Card. • The last four digits of the Card number on the back of the Card followed by the 3­digit CID. • Anoverprintonthesignaturepanelreads“JCB”intwocolors,blueandgreen. • Some Cards have an embedded integrated circuit chip on the front of the Card. • The words“Good Thru,”“Valid Dates,”“Valid Thru,”or“Expiration Date”must be printed near the expiration date.The corresponding words in the language of the country where the JCB Card is issued may also be printed. The words “Month/Year” or the corresponding words in the language of the country where the JCB Card is issued may be printed above or below the expiration date. Note: Some valid Cards bearing the JCB Acceptance Mark will have a printed, unembossed Card number on the Card. If a Card sale involving a valid, JCB Card with an unembossed Card number cannot be completed by swiping the Card through the POS Device, the Card should not be accepted. If you accept a Card that displays a printed, rather than embossed, Card number, you are required to obtain a Card imprint, the Card sale may be subject to dispute. American Express: • All American Express Card Numbers start with “37” or “34.”The Card number appears embossed on the front of the Card. Embossing must be clear, and uniform in sizing and spacing.Some Cards also have the Card Number printed on the back of the Card in the signature panel. These numbers, plus the last four digits printed on the Sales Draft, must match. • Pre­printed Card Identification (CID) Numbers must always appear above the Card Number on either the right or left edge of the Card. • Only the person whose name appears on an American Express Card is entitled to use it. Cards are not transferable. • Some Cards contain a holographic image on the front or the back of the plastic to determine authenticity. Not all American Express Cards have a holographic image. • The signature on the back of the Card must match the Cardholder’s signature on the Sales Draft, and must be the same name that appears on the front of the Card. The signature panel must not be taped over, mutilated, erased or painted over. • Some Cards also have a three digit Card Security Code (3CSC) number printed on the signature panel. 26.2. Effective/Expiration Dates. At the point of sale, the Card should be carefully examined for the effective (valid from) (if present) and expiration (valid thru) dates which are located on the face of the Card. The sale date must fall on or between these dates. Do not accept a Card prior to the effective date or after the expiration date. If the Card has expired, you cannot accept it for a Card sale unless you have verified through your Authorization Center that the Card is in goodstanding,otherwise,youaresubjecttoaChargeback andcouldbedebited for the transaction. 26.3. Valid Signature. Check the back of the Card.Make sure that the signature panel has not been disfigured or tampered with in any fashion (an altered signature panel may appear discolored, glued or painted, or show erasure marks on the surface). The signature on the back of the Card must compare favorably with the signature on the Sales Draft.The Sales Draft must be signed by the Card presenter in the presence of your authorized representative (unless a Card Not Present Sale) and in the same format as the signature panel on the Card;e.g.,Harry E.Jones should not be signed H.E.Jones.The signature panels of Visa,MasterCard and Discover Cards have a 3­digit number (CVV 2/CVC 2/CID) printed on the panel known as the Card Validation Code. Visa, MasterCard and Discover: If the signature panel on the Card is blank, in addition to requesting an Authorization, you must do all the following: • Review positive identification bearing the Cardholder's signature (such as a passport or driver’s license that has not expired) to validate the Cardholder’s identity. • Indicatethepositiveidentification,includinganyserialnumberandexpiration date, on the Credit Draft or Sales Draft; provided that you must effect PAN Truncation,and must not include the expiration date on the copy of the Sales Draft or Credit Draft that you provide to the Cardholder, or as required by applicable law, the Sales Draft or Credit Draft you retain. • Require the Cardholder to sign the signature panel of the Card prior to completing the Transaction. 26.4. Users Other Than Cardholders. A Cardholder may not authorize another individual to use his/her Card for purchases. Be sure the signature on the Card matches with the one on the Sales Draft. Furthermore, any Card having two signatures on the back panel is invalid and any sale made with this Card can result in a Chargeback. For Cards bearing a photograph of the Cardholder, ensure that the Cardholder appears to be the person depicted in the picture which appears on the Card. If you have any questions, call the Voice Authorization Center and request to speak to a Code 10 operator. 26.5. Special Terms. If you limit refund/exchange terms or impose other specific conditions for Card sales, you must provide proper disclosure to the Cardholder at the time of transaction in accordance with applicable law. If applicable, the words “No Exchange, No Refund,” etc. must be clearly printed on the Sales Draft near or above the Cardholder’s signature. The Cardholder’s copy, as well as your copy, must clearly display this information near or above the Cardholder’s signature. Applicable disclosures will vary by transaction type. During a liquidation and/or closure of any of your outlets, locations and/or businesses,youmust postsignsclearlyvisibletocustomersstating that“AllSales Are Final,”and stamp the Sales Draft with a notice that“All Sales Are Final.” Generally do not give cash, check or in store credit refunds for Card sales. Visa allows for the following exclusions: a cash refund to the Cardholder for a small ticket transaction or a no signature required transaction, a cash refund, Credit, or other appropriate form of Credit to the recipient of a gift purchased as a Mail/Phone Order transaction,or a cash refund or in­store Credit for a Visa prepaid card transaction if the Cardholder states that the Visa prepaid card has been discarded. NOTE: A disclosure does not eliminate your liability for a Chargeback. Consumer protection laws and Card Organization Rules frequently allow the Cardholder to dispute these items notwithstanding such disclosures. 26.6. Delayed Delivery or Deposit Balance. In a delayed delivery transaction where a Cardholder makes a deposit toward the full amount of the sale, you should execute two separate Sales Drafts (each completed fully as described in Section 28.1.), the first for a deposit and the second for payment of the balance upon delivery of the merchandise or the performance of the services. Visa: You must obtain an Authorization for each Sales Draft on each transaction date. You must assign the separate Authorization numbers to each Sales Draft, respectively. You must note on such Sales Drafts the words “delayed delivery,” “deposit” or “balance,” as appropriate, and the authorization dates and approval codes. MasterCard: For MasterCard transactions, you must obtain an Authorization for each Sales Draft on each transaction date.You must note on both Sales Drafts the words “delayed delivery,” “deposit” or “balance,” as appropriate, and the authorization date and approval code. WFB1707GOV REV00 (7/14) 22 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        NOTE: For Visa and MasterCard transactions, If delivery is more than twenty­five (25) days after the original transaction date and the initial Authorization request, you should reauthorize the unprocessed portion of the transaction prior to delivery. For Discover transactions, the same rules apply if delivery is more than ninety (90) days after original transaction date and initial Authorization request. If the transaction is declined,contact the Cardholder and request another form of payment. For example: On January 1, a Cardholder orders $2,200 worth of furniture and you receive an Authorization for the full amount; however, only a $200 deposit is processed. The above procedures are followed, with a $2,000 balance remaining on the furniture; the $2,000 transaction balance should be reauthorized. Discover: ForDiscovertransactions,youmustlabeloneSalesDraft“deposit”and the other“balance,”as appropriate. You shall submit Authorization requests you receive and await receipt of the Authorization Response prior to completing the Card sale. A positive Authorization Response will remain valid for thirty (30) calendar days from the date of the Authorization response for Card sales in the car rental industry,airline and passenger railway industries, the lodging industry and other travel MCCs including passenger transport and all International Card sales. A positive Authorization response will remain valid for ten (10) calendar days from the date of the Authorization response for Card sales in all other industries and MCCs. In addition, you must complete Address Verification at the time of the “balance” authorization, and you must obtain proof of delivery upon delivery of the services/merchandise purchased. You may not submit sales data relating to the “balance”to us for processing until the merchandise/service purchased has been completely delivered. American Express: For American Express Card transactions, you must clearly disclose your intent and obtain written consent from the Cardholder to perform a delayed delivery transaction before you request an Authorization. You must obtain a separate Authorization Approval for each delayed delivery transaction on their respective Charge dates and clearly indicate on each record that the Charge is either for the deposit or for the balance of the transaction. You must submit the delayed delivery transaction record for the balance of the purchase only after the items have been shipped,provided or services rendered.For deposits,submission must be on the date the Cardholder agreed to pay for the deposit for the purchase.For balances, submission must be on the date the items are shipped, provided or services rendered.You must submit and Authorize each delayed delivery transaction under the same Merchant Account Number and treat deposits on the Card no differently than you treat deposits on all other payment products. Advance Payment Charges for American Express Transactions. An advance payment Charge is a Charge for which full payment is made in advance of you providing the goods and/or rending services to the Cardholder and such Charges carry higher risk.American Express may withhold settlement for part or all of such Charges until it is determined that the risk has diminished. You must follow the procedures below if you offer Cardholders the option or require them to make advance payment Charges for the following types of goods and/or services: • Custom­orders (e.g., orders for goods to be manufactured to a customer’s specifications). • Entertainment / ticketing (e.g., sporting events, concerts, season tickets). • Tuition,roomandboard,andothermandatoryfees(e.g.,libraryfees)ofhigher educational institutions. • Airline tickets, vehicle rentals, rail tickets, cruise line tickets, lodging, travel­ related services (e.g., tours, guided expeditions). For an advance payment Charge, you must: State your full cancellation and refund policies, clearly disclose your intent and obtain written consent from the Cardholder to bill the Card for an advance payment Charge before you request an Authorization.The Cardholder’s consent must include his or her agreement to all the terms of the sale (including price and any cancellation and refund policies),and a detailed description and the expected delivery date of the goods and/or services to be provided (including,if applicable, expected arrival and departure dates). • Complete a Sales Draft. If the advance payment Charge is a Card Not Present Charge,you must also:ensure that the Sales Draft contains the words“Advance Payment;” and within twenty­four (24) hours of the Charge being incurred, provide the Cardholder written confirmation (e.g., email or facsimile) of the advance payment Charge, the amount, the confirmation number (if applicable), a detailed description and expected delivery date of the goods and/or services to be provided (including expected arrival and departure dates, if applicable) and details of your cancellation/ refund policy. If you cannot deliver goods and/or services (e.g., because custom­ordered merchandise cannotbe fulfilled),and if alternate arrangements cannotbe made, you must immediately issue a Credit for the full amount of the advance payment Charge which cannot be fulfilled. In addition to other Chargeback rights, a Chargeback may be exercised for any disputed advance payment Charge or portion thereof if the dispute cannot be resolved in your favor based upon unambiguous terms contained in the terms of sale to which you obtained the Cardholder’s written consent. 26.7. Recurring Transaction and Preauthorized Order Regulations. If you process recurring transactions and Charge a Cardholder’s account periodically for recurring goods or services (e.g., monthly insurance premiums, yearly subscriptions, annual membership fees, etc.), the Cardholder shall complete and deliver to you a Cardholder approval for such goods or services to be charged to his account. The approval must at least specify the Cardholder’s name, address, account number and expiration date, the transaction amounts, the frequency of recurring Charges and the duration of time for which the Cardholder’s permission is granted. For Discover transactions, the approval must also include the total amount of recurring Charges to be billed to the Cardholder’s account, including taxes and tips and your Merchant Account Number. If the recurring transaction is renewed,the Cardholder must complete and deliver to you a subsequent written request for the continuation of such goods or services to be charged to the Cardholder’s account. You may not complete a recurring transaction after receiving a cancellation notice from the Cardholder or Issuer or after a request for Authorization has been denied. If we or you have terminated this Agreement, you may not submit authorization requests or sales data for recurring transactions that are due after the termination date of this Agreement, and you must inform Cardholders for which you have submitted the recurring transactions that you no longer accept the Card. You must obtain an Authorization for each transaction and write “Recurring Transaction”(or“P.O.”for MasterCard transactions/“Signature on File”for American Express) on the Sales Draft in lieu of the Cardholder’s signature. A positive authorization response for one recurring transaction Card Sale is not a guarantee that any future recurring transaction authorization request will be approved or paid. For all recurring transactions, you should submit the 3­digit CID with the first authorization request, but not subsequent authorization requests. Discover Card Organization Rules specifically require that you follow this CID procedure for Discover recurring transactions. Also, for Discover recurring transactions, the Sales Draft must include a general description of the transaction, your merchant name and a toll­free customer service number that the Cardholder may call to obtain customer assistance from you or to cancel the written approval for the recurring transaction. For American Express recurring transactions you should periodically verify with Cardholder that their information (e.g., Card Number, expiration date, billing address) is still accurate.This will improve the likelihood of obtaining an approval to an Authorization request. The method to secure consent for recurring Charges must contain a disclosure that you may receive updated Card account information from the Issuer.You must retain evidence of consent to receive updated Card account information from the Issuer for twenty­four (24) months from the date you submit the last recurring billing Charge. If you offer Cardholders the option to make recurring billing Charges, you must: • Ensure that your process for cancellation of recurring billing is simple and expeditious; • Clearly and conspicuously disclose all material terms of the option, including, if applicable, the fact that recurring billing will continue until the option is cancelled by the Cardholder; • Offer their American Express customers the option to receive written notification for the recurring transaction(s) at least (10) ten days prior to submitting,or any time the Charge amount exceeds a maximum amount that has been set by the Cardholder; • Within twenty­four (24) hours of incurring the first recurring billing Charge, WFB1707GOV REV00 (7/14) 23 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              provide the Cardholder written confirmation (e.g., email or facsimile) of such Charge, including all material terms of the option and details of your cancellation/refund policy; and • Where the material terms of the option change after submission of the first recurring billing Charge, promptly notify the Cardholder in writing of such change and obtain the Cardholder’s express written consent to the new terms prior to submitting another recurring billing Charge. The cancellation of an American Express Card constitutes immediate cancellation of that Cardholder’s consent for recurring Charges.American Express will not have any liability from such cancellation. If an American Express Card is cancelled or a Cardholder withdraws consent to recurring Charges, you are responsible for arranging another form of payment with the Cardholder. All recurring transactions or preauthorized orders may not include partial payments for goods or services purchased in a single transaction. You may not impose a finance charge in connection with a Recurring Transaction or Preauthorized Order. If you process recurring payment transactions, the Recurring Payment Indicator must be included in each Authorization request, and as applicable, each Batch submission entry. Penalties can be assessed by the Card Organizations for failure to use the Recurring Payment Indicator. 26.8. Certain Rules and Requirements. The following rules are requirements strictly enforced by Visa, MasterCard and Discover: • Your minimum Credit Card acceptance amount cannot exceed $10.00. Such minimum amount must be established to all Credit Cards regardless of Card Issuer or Card brands.Unless you are a federal government entity or institution of higher learning, you may not establish a maximum amount as a condition for accepting a Card, except that for Discover transactions, you may limit the maximum amount a Discover Cardholder may spend if, and only if, you have not received a positive authorization response from the Issuer. Setting a minimum transaction amount limit for Debit Cards (PIN Debit or Non­PIN Debit) is prohibited. • You cannot establish any special conditions for accepting a Card. • Youmayprovideadiscount/incentiveforaconsumertopaywithcash,check, Credit Card, Debit Card, etc., however, you must clearly and conspicuously disclose the discount to consumers. Also, you must offer the discount to all consumers and you cannot discriminate based upon Card brand or Card Issuer. However, you may choose not to accept either U.S. issued Debit Cards or U.S. issued Credit Cards under the terms described in Section 26.9. • You may direct customers to a particular brand or type of general purpose card or a particular form of payment. U.S. merchants may also encourage customers who initially present a Visa Card to use a payment card with a different network brand, a different type of payment card or a different form of payment. U.S. merchants may engage in any of the following: • Youmayofferadiscountorrebate,includinganimmediatediscountorrebate at the point of sale; • You may offer a free or discounted product, service or enhanced service; • You may offer an incentive, encouragement, or benefit; • You may express a preference for the use of a particular brand or type of general purpose card or a particular form of payment; • You may promote a particular brand or type of general purpose card or a particular form or forms of payment through posted information,through the size, prominence, or sequencing of payment choices, or through other communications to a customer; • You may communicate to a customer the reasonably estimated or actual costs incurred by the merchant when a customer uses a particular brand or type of general purpose card or a particular form of payment or the relative costs of using different brands or types of general purpose cards or different forms of payment; or • You may engage in any other practices substantially equivalent to these. • You cannot require the Cardholder to supply any personal information (e.g., home or business phone number; home or business address including zip code; or driver’s license number) unless instructed by the Authorization Center.The exception to this is for a mail/telephone/Internet order or delivery­ required transactions, or as otherwise permitted by applicable law. Any information that is supplied by the Cardholder must not be in plain view when mailed. • Any tax required to be collected must be included in the total transaction amount and not collected in cash. • You cannot submit any transaction representing the refinance or transfer of an existing Cardholder obligation deemed uncollectible. • You cannot accept a Visa Consumer Credit Card or commercial Visa Product, issued by a U.S. Issuer to collect or refinance an existing debt. • You cannot submit a transaction or sale that has been previously charged back. • You must create a Sales Draft or Credit Draft for each Card transaction and deliver at least one copy of the Sales Draft or Credit Draft to the Cardholder. • You cannot submit a transaction or sale to cover a dishonored check. • If you accept Card checks, your Card check acceptance policy must treat the acceptance of checks from all payment card brands that you accept equally. (e.g.,if you accept MasterCard,Visa and Discover,your check acceptance policy must treat checks for all three payment card brands equally). You should handle these Card checks like any other personal check drawn upon a bank in the United States. • Failure to comply with any of the Card Organization Rules may result in fines or penalties. • You will inform the Cardholder that you are responsible for the Card transaction including your goods and services and for related customer service, dispute resolution and performance of the terms and conditions of the transaction. 26.9. Card Acceptance. If you have indicated either in the Merchant Processing Application or by registering with us at least thirty (30) days in advance that, as between Non­PIN Debit Card transactions and Credit Card transactions, you will limit your acceptance to either (i) only accept Non­PIN Debit transactions; or (ii) only accept Credit Card transactions,then the following terms in this Section 26.9 will apply: 26.9.1. You will be authorized to refuse to accept for payment either Non­ PIN Debit Cards or Credit Cards that are issued within the United States.You will, however, continue to be obligated to accept all foreign issued Credit or Debit Cards issued by MasterCard, Visa or Discover so long as you accept any type of MasterCard,Visa or Discover branded Card. 26.9.2. While many Debit Cards include markings indicating debit (such as “Visa Checkcard, Visa Buxx, Gift Card, DEBIT, or Mastermoney), many Debit Cards may not include such markings. It will be your responsibility to determine at the point of sale whether a Card is of a type that you have indicated that you will accept. You agree to institute appropriate systems and controls to limit your acceptance to the Card types indicated. You may purchase a table of ranges of numbers currently associated with Debit Card transactions upon execution of confidentiality/non­disclosure agreements required by the Card Organizations. You will be responsible for updating your systems to utilize such tables and to obtain updated tables.You must safeguard BIN information provided by us.If you share our provided BIN information with a third party to use on your behalf, you must require they safeguard it also and use it only for card type identification at the POS. 26.9.3. To the extent that you inadvertently or intentionally accept a transaction other than the type anticipated for your account, such transaction will downgrade to a higher cost interchange and you will be billed the difference in interchange (a Non­Qualified Interchange Fee),plus a Non­Qualified Surcharge (see Section 5.1 and Glossary). 26.9.4. Based upon your choice to accept only the Card types indicated in the Application, you must remove from your premises any existing signage indicating that you accept all Visa, MasterCard or Discover Cards and use approved specific signage reflecting your policy of accepting only Non­PIN Debit or Credit Cards. 26.9.5. Even if you elect not to accept Non­PIN Debit Card transactions as provided above, you may still accept PIN Debit Card transactions if you have signed up for PIN Debit Services. 26.10. Deposits of Principals. Owners, partners, officers and employees of your business establishment, and the guarantors who signed the Application, are prohibited from submitting Sales Drafts or Credit Drafts transacted on their own personal Cards,other than transactions arising from bona fide purchases of goods or services in the ordinary course of your business. Such use in violation of this Section 26.10 is deemed a cash advance, and cash advances are prohibited. WFB1707GOV REV00 (7/14) 24 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        26.11. Reserved. 26.12. Customer Activated Terminals and Self­Service Terminals. Prior to conducting Customer Activated Terminal (“CAT”) transactions or Self­Service Terminal transactions you must contact us for approval and further instructions, rules and requirements that apply to CAT and Self­Service Terminal transactions. Failure to do so could result in additional charges or termination of this Agreement. Customer Activated Terminals for American Express Transactions Charges for purchases at your Customer Activated Terminals (CATs) must meet the requirements for Sales Draft as detailed below: You must include: • Full Magnetic Stripe data stream or chip Card data in all Authorization requests, and; • CAT indicator on all Authorization requests and Submissions. American Express will not be liable for actual or alleged fraudulent Charges occurringthroughCustomerActivatedTerminals(CAT) andwillhave the right to Chargeback for those Charges. 26.13. Displays and Advertising. You must prominently display appropriate Visa, MasterCard, Discover, American Express, and, if applicable, other Card Organization decals and program Marks at each of your locations, in catalogs, on websites and on other promotional materials as required by Card Organization Rules,if you elected to accept such Card payments on your Application.You may not indicate that Visa, MasterCard, Discover, or any other Card Organization endorses your goods or services. Your right to use the program Marks of the Card Organizations terminates upon the earlier of (i) if and when your right to accept the Cards of the respective Card Organization terminates (e.g., if your right to accept Discover Cards terminates, your are no longer permitted to use Discover Program Marks), (ii) delivery of notice by us or the respective Card Organization to you of the termination of the right to use the program Mark(s) for that Card Organization,or (iii) termination of the license to use the program marks by the respective Card Organization to us. American Express: If you elected to accept the American Express Card on your Application, whenever payment methods are communicated to customers, or when customers ask what payments are accepted, you must indicate your acceptance of the American Express Card and display the American Express Marks (including any Card application forms provided to you) as prominently and in the same manner as you do for any other Card or payment products..You must not use the American Express Marks in any way that injures or diminishes the goodwill associated with the American Express Marks, nor (without prior written consent from us) indicate that American Express endorse your goods or services.You shall only use the American Express Marks as permitted by the Agreement and shall cease using the American Express Marks upon termination of the Agreement. 26.13.1. Discover Sublicense to Use Discover Program Marks. You are prohibited from using the Discover Program Marks, as defined below, other than as expressly authorized in writing by us.“Discover Program Marks”means the brands,emblems,trademarks and/or logos that identify Discover Cards,including, without limitation, Diners Club International Cards, JCB, UnionPay, BCcard, and Dinacard. Additionally, you shall not use the Discover Program Marks other than as a part of the display of decals, signage, advertising and other forms depicting the Discover Program Marks that are provided to you by us or otherwise approved in advance in writing by us. You may use the Discover Program Marks only to promote the services covered by the Discover Program Marks by using them on decals, indoor and outdoor signs, advertising materials and marketing materials; provided that all such uses by you must be approved in advance by us in writing. You shall not use the Discover Program Marks in such a way that customers could believe that the products or services offered by you are sponsored or guaranteed by the owners of the Discover Program Marks. You recognize that you have no ownership rights in the Discover Program Marks.You shall not assign to any third party any of the rights to use the Program Marks. 26.13.2. American Express sublicense to Use American Express Marks. You shall only use the American Express Marks as reasonably necessary to perform your obligations under the Agreement.The guidelines listed below apply to the Merchant’s use of the American Express“Blue Box”logo. • The “Blue Box” logo must always be shown in the pre­approved “American Express blue”or,in one or two color communications,or black. • The space around the“Blue Box”must equal at least 1/3 the size of the box. • The“Blue Box”logo minimum size is 3/8" and 1/2" is the preferred size. • Aminimumdistanceof1­1/2timesthesizeofthe“BlueBox”mustbeallowed between the“Blue Box”logo and another Mark. • For additional guidelines on the use of the American Express Marks, you can visit the American Express website at www. americanexpress.com/decals. • You must remove American Express Marks from your website and wherever else they are displayed upon termination of the Agreement or if do not elect to accept or are not authorized to accept American Express Cards. 26.14. Cash Payments by and Cash Disbursements to Cardholders. You must not accept any direct payments from Cardholders for Charges of merchandise or services which have been included on a Sales Draft; it is the right of the Issuer to receive such payments. You may not make any cash disbursements or cash advances to a Cardholder as part of a Card transaction unless you are a financial institution with express authorization in writing in advance by Servicers. For Discover, cash advances in authorized jurisdictions other than the United States may be conducted in an originating currency provided that cash advances may be subject to dispute and/or Acquirer fees. 26.15. Discover Cash Over Transactions. Cash Over transactions are not available for MasterCard or Visa transactions. You may issue Cash Over in connection with a Discover Card sale provided that you comply with the provisions of this Agreement including the following requirements: • You must deliver to us a single authorization request for the aggregate total of the goods/services purchase amount and the Cash Over amount of the Card sale. You may not submit separate authorization requests for the purchase amount and the Cash Over amount. • The Sales Draft must include both the purchase amount and the Cash Over amount, and you may not use separate Sales Drafts for the purchase amount and Cash Over amount. • Cash Over may only be offered with a Card Present Card Sale that includes a purchase of goods or services by the Cardholder. You must not issue Cash Over as a stand­alone transaction.Merchants that offer Cash Over may require the totalamount of aCard Sale withaCreditproduct,including CashOver,to meet a minimum transaction amount of up to $10.00. • You shall not assess or charge fees of any type or amount, including any surcharges,on Cash Over transactions.None of the fees or charges applicable to Cash Advances shall be applied to Cash Over transactions. • Cash Over may not be dispensed in connection with Credits, Cash Advances, or any Card Sale for which you are unable to electronically capture Track Data using the POS Device. • The maximum amount of cash that you may issue as Cash Over is $100.00. (Cash Over may not be available in certain markets. Contact us for further information.) 26.16. Telecommunication Transactions. Telecommunication Card Sales occur when a telephone service provider is paid directly using a Card for individual local or long­distance telephone calls.(NOTE:pre­paid telephone service cards are not and do not give rise to Telecommunication Card Sales). Prior to conducting Telecommunication transactions you must contact us for approval and further instructions, rules and requirements. Failure to do so could result in additional charges or termination of this Agreement. 27. Suspec t Transac tions If the appearance of the Card being presented or the behavior of the person presenting the Card is suspicious in nature, you must immediately call the Voice Authorization Center and ask to speak to a Code 10 operator. Answer all their questions and follow their instructions. While not proof that a transaction is fraudulent, the following are some suggestions to assist you in preventing fraudulent transactions that could result in a Chargeback: Ask yourself, does the Customer: • appear nervous/agitated/hurried? • appeartobemakingindiscriminatepurchases(e.g.,doesnotcarehowmuch an item costs, the size, etc.)? • make purchases substantially greater than your usual customer (e.g., your average transaction is $60, but this transaction is for $360)? • insist on taking the merchandise immediately (e.g., no matter how difficult it is to handle, is not interested in free delivery, alterations, etc.)? • appear to be purchasing an unusual amount of expensive items or the same items? WFB1707GOV REV00 (7/14) 25 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               • take an unusual amount of time to sign the Sales Draft, or look at the back of the Card as he signs? • talk fast or carry on a conversation to distract you from checking the signature? • take the Card from a pocket instead of a wallet? • repeatedly come back, in a short amount of time or right before closing time, to make additional purchases? • cause an unusual, sudden increase in the number and average sales transactions over a one­ to three­day period? • tell you he has been having some problems with his Issuer and request that you call a number (that he provides) for a“special”handling or Authorization? • have a previous history of disputed Charges? • placeorderstobeshippedtoanaddressotherthanthebillingaddress,oruse anonymous/free email domains? • place orders sent to zip codes or countries where you show a history of fraudulent claims? • frequently make purchases and then return goods for cash? • use a prepaid Card to purchase other prepaid Cards? • use a large numbers of prepaid Cards to make purchases? Does the Card: • have characters the same size, height, style and all within alignment? • appear to be re­embossed (the original numbers or letters may be detected on the back of the Card)? • have a damaged hologram? • have a Magnetic Stripe on the back on the Card? • have an altered Magnetic Stripe? • have an altered signature panel (e.g., appear discolored, glued or painted, or show erasure marks on the surface)? • have“validfrom”(effective)and“validthru”(expiration)datesconsistentwith the sale date? If you use an electronic terminal and swipe the Card, make sure the account number displayed on the terminal and/or the Sales Draft matches the number on the Card. If you cannot or do not verify the account number and accept the sale,you are subject to a Chargeback and could be debited for the amount of the transaction. IF THE NUMBERS DO NOT MATCH, DO NOT ACCEPT THE CARD AS A FORM OF PAYMENT, EVEN THOUGH AN AUTHORIZATION CODE FOR THE MAGNETICALLY SWIPED CARD NUMBER MAY BE RECEIVED. Fraud­Prone Merchandise Tips: • GiftCards,jewelry,video,stereo,computerandcameraequipment,shoesand men’s clothing are typically fraud­prone because they can easily be resold. • Be suspicious of high dollar amounts and transactions with more than one fraud­prone item, e.g., two VCRs, three gold chains, etc. If you suspect fraud: • Call the Voice Authorization Center and ask to speak to a Code 10 operator. • If the terminal does not display the Card number, call the POS Help Desk for terminal assistance. REMEMBER: AN AUTHORIZATION CODE ONLY INDICATES THE AVAILABILITY OF A CARDHOLDER’S CREDIT AT THE TIME OF THE TRANSACTION. IT DOES NOT WARRANT THAT THE PERSON PRESENTING THE CARD IS THE RIGHTFUL CARDHOLDER.IF PROPER PROCEDURES ARE NOT FOLLOWED AT THE TIME OF THE TRANSACTION,YOUARESUBJECTTO A CHARGEBACKANDYOURACCOUNT MAY BE DEBITED FOR THE AMOUNT OF THE TRANSACTION. 28. Completion of Sales Draf ts and Credit Drafts You must prepare a Sales Draft or Credit Draft, as applicable, for each Card transaction and provide a copy of it or a transaction receipt or copy of the Draft to the Cardholder at the time the Card transaction is completed. 28.1. Information Required. All of the following information must be contained on a single page document constituting a Sales Draft or Credit Draft: • Cardholder’s account number must appear on the Sales Draft or Credit Draft in the manner required by applicable law and Card Organization Rules.NOTE: The copy of the Sales Draft or Credit Draft you provide to a Cardholder must not include the Cardholder’s expiration date or any more than the last four digits of the Cardholder’s Card number.Some states have similar requirements that also apply to the Sales Drafts or Credit Drafts you retain. MasterCard requires that Card expiration dates be excluded from the Sales Drafts or Credit Drafts your business retains.You are solely responsible to determine the Card account number truncation requirements and Card expiration date exclusion requirements for your state/ jurisdiction; • Clear imprint of the Card.Whenever the term“imprint” is used it refers to the process of using a manual imprinting machine to make an impression of the Card on a Sales Draft; it does not include the printout from a printer attached to an electronic device.If you use an electronic device (e.g.,authorization/draft capture terminal, cash register, POS Device, etc.) and swipe the Card to read andcapture theCardinformationviathe MagneticStripe,youdonothaveto imprint the Card. HOWEVER, IF THE TERMINAL FAILS TO READ THE MAGNETIC STRIPE OR IFYOU ARE REQUIREDTO OBTAIN AVOICE AUTHORIZATION,THEN YOU MUST IMPRINT THE CARD. IN ADDITION, THE SALES DRAFT MUST HAVE THE CARDHOLDER’S SIGNATURE. FAILURE TO FOLLOW THESE PROCEDURES WILL PREVENT YOU FROM DEFENDING A TRANSACTION IN THE EVENT THAT IT IS CHARGED BACK UNDER A CLAIM THAT THE RIGHTFUL CARDHOLDER DID NOT AUTHORIZE THE PURCHASE.ENTERING INFORMATION INTO A TERMINAL MANUALLY WILL NOT PREVENT THIS TYPE OF CHARGEBACK. FOR MAIL/­ TELEPHONE/INTERNET AND OTHER CARD NOT PRESENT ORDERS SEE SECTION 28.2.; • Cardholder’s signature. However, eligible merchants participating in MasterCard’s Quick Payment Service Program, Visa Easy Payment Program, American Express No Signature Program, Discover No Signature Program, and/or certain Discover transactions (see note below) are not required to obtain the Cardholder’s signature under certain conditions set forth by each program; • Date of the transaction; • Amount of the transaction (including the approved currency of the sale); • Description of the goods and/or services involved in the transaction (if there are too many items,combine them into one description;e.g.“clothing”instead of“one pair of pants,one shirt”).Do not carry information onto a second Sales Draft; • Description of your merchandise return and Credit/refund policy; • A valid authorization code; and • Merchant’s Doing Business As (“D/B/A”) name and location (city and state required) and Merchant Account Number. When imprinting Sales Drafts,do not alter the Cardholder account number,circle or underline any information on the Sales Draft or alter a Sales Draft in any way after the transaction has been completed and signed. Stray marks and other alterations on a Sales Draft may render it electronically unscannable, unreadable or illegible. This may result in a Chargeback or summary adjustment to your account. For Discover sales using a paper Sales Draft (as opposed to Electronic Draft Capture),the paper sales draft must also contain the initials of your representative or employee that conducted the transaction.For Discover Credits,the Credit Draft must contain the signature of your authorized representative or employee that conducted the transaction. Discover Card Sales in an amount more than $50.00 including sales taxes, tip, surcharge and/ or Cash Over amount are not eligible for treatment as No Signature Required Card Sales and you may lose a dispute of such a Card Sale if the Merchant fails to obtain the Cardholder’s Signature on the Sales Draft. Eligible merchants participating in Visa Easy Payment Service (“VEPS”) (Visa’s No Signature Required Program),Quick Payment Service and/or Small Ticket are only required to provide the Cardholder with the completed Sales Draft when requested by the Cardholder. NOTE: For Visa, MasterCard and Discover transactions, if you are a merchant operating under certain merchant category codes (“MCC”) approved by Visa, MasterCard and Discover, you are not required to obtain the Cardholder’s signature so long as the full track data is transmitted in the authorization request and the sale amount is below the applicable program floor limit (MasterCard/ Discover/ American Express is $50.00 or less.Visa’s program limit remains at $25.00 or less excluding U.S. grocery stores (MCC 5411) and discount stores (MCC 5310) where the limit has been raised to $50.00. For MasterCard, if you are operating vending machines under MCC 5499 (Miscellaneous Food Stores­Convenience Stores, Markets, Specialty Stores), you need not provide a receipt at the time a transaction is conducted. If a vending machine cannot provide a printed receipt,you must disclose and post instructions advising customers how a receipt may be obtained. WFB1707GOV REV00 (7/14) 26 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   Sales Drafts for American Express Transactions. You must create a Sales Draft for every Charge. For each Charge submitted electronically,you must create an electronically reproducible Sales Draft.The Sales Draft (and a copy of the customer’s receipt) must disclose your return and/or cancellation policies. If the Cardholder wants to use different Cards for payment of a purchase,you may create a separate Sales Draft for each Card used. However, if the Cardholder is using a single Card for payment of a purchase, you shall not divide the purchase into more than one Charge, nor shall you create more than one Sales Draft. • Submit the Charge to American Express directly, or through your Processor, for payment. • Retain the original Sales Draft (as applicable) and all documents evidencing the Charge,orreproducible recordsthereof,forthetimeframe listedin ourcountry­ specific policies. • Provide a copy of the Sales Draft to the Cardholder. You may be able to create more than one Sales Draft if the purchase qualifies for a delayed delivery Charge. The retention time frame for Sales Drafts is twenty­ four (24) months from the date you submitted the corresponding Charge to us. Pursuant to applicable law,truncate the Card number and do not print the Card’s expiration date on the copies of Sales Drafts delivered to Cardholders.Truncated Card number digits must be masked with replacement characters such as“x,”“*” or“#,”and not blank spaces or numbers. If you submit Charges on paper, you must create a Sales Draft containing all of the following required data: • Provide a copy of the Sales Draft to the Cardholder. • Full Card number and expiration date (pursuant to applicable law), and if available, Cardholder name. • The date the Charge was incurred. • The amount of the Charge, which must be the total price for the purchase of goods and services (plus applicable taxes and gratuities) purchased on the Card. • A clear description of the goods or services purchased by the Cardholder. • An imprint or other descriptor of you name, address, Merchant Account Number and, if applicable, store number. • The words“no refunds”if you have a no refund policy,and you return and/or cancellation policies. American Express No Signature Program. You may participate in the American Express No Signature Program. The No Signature Program allows establishments not to request a signature from Cardholders ontheSales Draft.Toqualify for the NoSignature Program,boththe establishment and each Charge must meet the following criteria: Establishment Criteria. If your establishment is classified in an industry that accepts in­person Charges, then the establishment may participate in the No Signature Program with the exception of the following categories: • Merchantswhodonotconductin­personCharges(i.e.,internet,mailorderor telephone order). • Prohibited transactions as set forth in Section 39.6 or illegal transactions or activity, as described in Section 25.2. • High Risk Merchants (e.g., establishments whose business type has had historically high occurrences of fraud and disputed charges with American Express or as compared to other similarly situated merchants (or both); examples include internet electronic services or nightclubs/lounges) as determined by American Express in its sole discretion. • Merchants placed in American Express’ Fraud Full Recourse Program. Charge Criteria: • The amount or Charge must meet the threshold established in American Express’ country specific policy. • The Charge Submission must include the appropriate indicator to reflect that the Card and the Cardholder were present at the point of sale. • The Charge Submission must include a valid approval. Under the No Signature Program, Chargebacks will not be exercised for such Charges based solely on the establishment’s failure to obtain the Cardholder’s signature at the point of sale. If a disproportionate amount or a number of disputedChargesundertheNo SignatureProgramoccur,you mustcooperateto reduce the amount or number of disputed Charges.If such efforts fail,you may be placed in American Express Chargeback programs, or your establishment’s participation in the No Signature Program may be modified or terminated. The established threshold for charges to qualify under the No Signature Program is $50.00 or less. 28.2. Mail / Telephone/ Internet (Ecommerce) Orders and Other Card Not Present Sales. You may only engage in mail/ telephone/ Internet orders provided they do not exceed the percentage of your total payment Card volume reflected on your Application. Failure to adhere to this requirement may result in cancellation of your Agreement. Merchants conducting Internet transactions using MasterCard or Visa Cards must have special codes (an“Electronic Commerce Indicator”) added to their authorization and settlement records. Discover does not use an Electronic Commerce Indicator. Failure to register as a merchant conducting Internet transactions can result in fines imposed by the Card Organizations. Mail, Telephone, Internet and other Card Not Present transactions have a substantially higher risk of Chargeback. Since you will not have an imprinted or magnetically swiped transaction and you will not have the Cardholder’s signature on the Sales Draft as you would in a face­to­face transaction, you will assume all risk associated with accepting a mail/telephone/Internet or other Card Not Present transaction. The following procedures, while they will not eliminate Chargebacks, are useful in reducing them and should be followed by you: • Obtain the expiration date of Card. • On the Sales Draft, clearly print the Cardholder’s account number; effective and expiration dates; date of transaction; description of the goods and services; amount of the transaction (including shipping, handling, insurance, etc.); Cardholder’s name, billing address and shipping address; authorization code; and merchant’s name and address (city and state required); provided, that you must effect PAN Truncation,and must not include the expiration date, on the copy of the Sales Draft or Credit Draft that you provide to the Cardholder, or as required by applicable law, the Sales Draft or Credit Draft you retain. • For mail orders, write “MO”; for telephone orders, write “TO” on the Cardholder’s signature line. • If feasible, obtain and keep a copy of the Cardholder’s signature on file on a form authorizing you to submit telephone and mail order transactions. • You should utilize the Address Verification Service for all Card Not Present Transactions (see note below). Address Verification is specifically required for all Discover Card Not Present Transactions,and if you do not receive a positive match through AVS, you may not process the Discover Card Not Present Transaction. If you do not have AVS, contact us immediately. • You should obtain the 3 or 4 digit Card Validation Code number and include it with each authorization request. Discover Card Organization Rules specifically require that you submit the Card Validation Code with the authorization request for all Discover Card Not Present Transactions. • For telephone orders, it is recommended that written verification of the sale be requested from the Cardholder (sent by mail or fax). • You may not submit a transaction for processing until after the merchandise has been shipped or the service has been provided to the customer.(The Card Organizations will permit the immediate billing of merchandise manufactured to the customer’s specifications [i.e., special/custom orders] provided the Cardholder has been advised of the billing details.) • You should provide a copy of the Sales Draft to the Cardholder at the time of delivery.You must also obtain proof of delivery of the goods or services to the address designated by the Cardholder (i.e., by getting a signature of the Cardholder or person designated by the Cardholder through the delivery carrier). If the Cardholder visits one of your locations to receive the goods or services purchased, obtain an imprint of the card and the Cardholder’s signature. • Notify the Cardholder of delivery time frames and special handling and/or of cancellation policies. Merchandise shipping dates must be within seven (7) days of the date Authorization was obtained.If,after the order has been taken, additional delays will be incurred (e.g.,out of stock),notify the Cardholder and reauthorize the transaction. • You may not require a Cardholder to complete a postcard or other document that displays the Cardholder’s account number in clear view when mailed. • IfyouacceptordersviatheInternet,yourwebsitemustincludethefollowing WFB1707GOV REV00 (7/14) 27 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          information in a prominent manner: – Complete description of the goods or services offered – Description of your merchandise return and Credit/refund policy; – Customerservicecontact,includingemailaddressand/ortelephonenumber; – Transaction currency (U.S. dollars, unless permission is otherwise received from Servicers); – Any applicable export or legal restrictions; – Delivery policy; – Consumer data privacy policy; – A description of the transaction security used on your website; and – The sale or disclosure of databases containing Cardholder account numbers, personal information, or other Card transaction information to third parties is prohibited. – Address of merchant including country. – Cancellation policy; and – Date any free trial period ends. • You may not accept Card Account Numbers through Electronic Mail over the Internet. NOTE: AVS (and other fraud mitigation tools such as Verified by Visa, MasterCard Secure Code, CVV2, CVC2 and CID verification) does not guarantee against Chargebacks, but used properly, it assists you in reducing the risk of fraud by confirming whether certain elements of the billing address provided by your customer match the billing address maintained by the Issuer. AVS also may help you avoid incurring additional interchange expenses. AVS is a separate process from obtaining an Authorization and will provide a separate response. A transaction may not match addresses when submitted for AVS and still receive an Authorization. It is your responsibility to monitor the AVS responses and use the information provided to avoid high­risk transactions. American Express Internet Charges. For internet orders,you must use separate Merchant Account Numbers provided to you for internet orders on all your requests for Authorization and submission of charges, provide at least one (1) month’s prior written notice of any change in your internet address,andcomplywithany additionalrequirementsthatmaybe added from time to time.Additionally,if a disputed Charge arises involving a Card Not Present Charge that is an internet electronic delivery Charge, a Chargeback may be exercised for the full amount. Processing a Card Not Present Charge for American ExpressTransactions you must: • Submit the Charge to American Express; For Card Not Present Charges, you must create a Sales Draft and ask the Cardholder to provide: • Card number; • Card expiration date; In addition, it is recommended that you ask for: • Name as it appears on the Card, • Cardholder’s billing address, and • Ship­to address, if different from the billing address. American Express will not Chargeback for such charges based solely upon a Card­ holder claim that he or she did not receive the disputed goods if you have: • Verified the address to which the goods were shipped was the Cardholder's full billing address. • Provided proof of delivery signed by the Cardholder or an authorized signer of the Card indicating the delivery of the goods or services to the Cardholder's full billing address. American Express will not be liable for actual or alleged fraudulent transactions over the internet and will have the right to Chargeback for those charges. For Internet Orders, you must: • Use any separate merchant numbers (seller ID) established for your internet orders in all of your requests for Authorization and Submission of charges. • Provide us with at least one (1) month’s prior written notice of any change in your internet address. • Comply with any additional requirements that American Express provides from time to time. Additionally, if a disputed Charge arises involving a Card Not Present Charge that is an internet electronic delivery Charge, American Express may exercise Chargeback for the full amount of the Charge and place you in any of its Chargeback programs. When providing Proof of Delivery, a signature from the Cardholder or an authorized signer of the Card is not required. 28.2.1. Discover Protocol for Internet Transactions. Each Internet Discover Card transaction accepted by you and submitted to us shall comply with Discover standards, including, without limitation, Discover standards governing the formatting, transmission and encryption of data, referred to as the “designated protocol.”You shall accept only those Internet Discover Card transactions that are encrypted in accordance with the designated protocol. As of the date of these Operating Procedures, the designated protocol for the encryption of data is Secure Socket Layer (SSL). We may, at our discretion, withhold Settlement until security standards can be verified. However, the designated protocol, including any specifications with respect to data encryption,may change at any time upon thirty (30) days advance written notice.You shall not accept any Internet Discover Card transaction unless the transaction is sent by means of a browser which supports the designated protocol. 28.3. Customer Service Telephone Numbers for Card types which are funded by individual non­bank Card Organizations include: American Express/ESA or Direct 1­800­528­ 5200 American Express 1­800­451­5817 JCB, International 1­800­366­4522 (For YEN and CAD currency only) TeleCheck 1­800­366­1054 Voyager 1­800­987­6591 WEX 1­800­492­0669 (24 hours) 29. Data Security THE FOLLOWING IS IMPORTANT INFORMATION REGARDING THE PROTECTION OF CARDHOLDER DATA. PLEASE REVIEW CAREFULLY AS FAILURE TO COMPLY CAN RESULT IN SUBSTANTIAL FINES AND LIABILITIES FOR UNAUTHORIZED DISCLOSURE AS WELL AS TERMINATION OF THIS AGREEMENT. 29.1. Payment Card Industry Data Security Standards (PCI DSS). Visa, MasterCard, Discover and JCB and American Express aligned data security requirements to create a global standard for the protection of Cardholder data. The resulting Payment Card Industry Data Security Standards (PCI DSS) defines the requirements with which all entities that store, process, or transmit payment card datamust comply.PCI DSS is thename usedto identifythose commondata security requirements.The Cardholder Information Security Program (CISP) is Visa USA’s data security program, the Site Data Protection (SDP) program is MasterCard’s data security program and Discover Information Security and Compliance (DISC) is Discover’s data security program, and the Data Security Operating Policy (DSOP) is American Express’ data security program, each based on the PCI DSS and industry aligned validation requirements. PCI DSS PCI compliance validation is focused on Merchant Equipment (as defined below) where Cardholder data is processed, stored, or transmitted, including: • Allexternalconnectionsintoyournetwork(i.e.,employeeremoteaccess,third party access for processing, and maintenance). • All connections to and from the Authorization and settlement environment (i.e., connections for employee access or for devices such as firewalls, and routers); and • Any data repository outside of the Authorization and settlement environment. For the purposes of this Section 29,“Merchant Equipment”means any and all equipment you use in connection with Card authorization, clearing, completing, settling,transmitting or other related processing,including,without limitation,all telecommunication lines and wireless connections and software, systems, point­ of­sale terminals, card readers, merchandise and card scanners, printers, PIN pad devices and other hardware,whether owned by you,Merchant Providers or other Persons used by you. The Card Organizations or we may impose fines or penalties, or restrict you from accepting Cards if it is determined that you are not compliant with the applicable data security requirements. We may in our sole discretion, suspend or terminate Services under this Agreement for any actual or suspected data security compromise.You agree that you will not request any Authorizations,submit any Sales Drafts or Credit Drafts until you have read and understood the PCI DSS,CISP, SDP and DISC for which you acknowledge we have provided you sufficient information to obtain, and you will be deemed to have done so upon our receipt WFB1707GOV REV00 (7/14) 28 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         ofyourrequestorsubmission ofany Authorizations,Sales Draftsor CreditDrafts. You must comply with the data security requirements described in this Section 29.1,including without limitation,PCI DSS,SDP,CISP and DISC,and any additional Card Organization requirements applicable to payment applications and PIN transactions. Detailed information about PCI DSS, can be found at the PCI DSS Counsel’s website: www.pcisecuritystandards.org. Detailed information about Visa’s CISP program can be found at Visa’s CISP website: www.visa.com/cisp Detailed information about MasterCard’s SDP program can be found at the MasterCard SDP website: www.mastercard.com/sdp Detailed information about DISC can be found at Discover DISC website: http://www.discovernetwork.com/fraudsecurity/disc.html 29.2. Data Security Requirements. You must comply with the data security requirements shown below: • You must install and maintain a secure network firewall to protect data across public networks. • You must protect stored data and data sent across networks using methods indicated in the PCI DSS. • You must use and regularly update anti­virus software and keep security patches up­to­date. • You must restrict access to data by business “need to know,” assign a unique ID to each person with computer access to data and track access to data by unique ID. • You must not use vendor­supplied defaults for system passwords and other security parameters. • You must regularly test security systems and processes. • You must maintain a policy that addresses information security for employees and contractors. • You must restrict physical access to Cardholder information. • You may not transmit Cardholder account numbers to Cardholders for Internet transactions. • You cannot store or retain Card Validation Codes (three­digit values printed in the signature panel of most Cards, and a four digit code printed on the front of an American Express Card) after final transaction authorization. • You cannot store or retain Magnetic Stripe data, PIN data or AVS data. Only Cardholder account number, Cardholder Name and Cardholder expiration date can be retained subsequent to transaction authorization. • You must destroy or purge all Media containing obsolete transaction data with Cardholder information. • YoumustkeepallsystemsandMediacontainingCardaccount,Cardholderor transaction information (whether physical or electronic) in a secure manner so as to prevent access by, or disclosure to any unauthorized party. • For Internet transactions, copies of the transaction records may be delivered to Cardholders in either electronic or paper format. • You must use only services and Merchant Equipment that have been certified as PCI DSS compliant by the Card Organizations. 29.3. Compliance Audits. You may be subject to ongoing validation of your compliance with PCI DSS standards. Furthermore, we retain the right to conduct an audit at your expense, performed by us or a third party designated by us to verify your compliance,or that of your agents or Merchant Providers,with security procedures and these Operating Procedures.In any event,upon request,you shall provide us with copies of any and all reports developed by your forensic vendor(s), and you shall ensure that we have direct communication access with such forensic vendor(s). 29.4. Immediate Notice Required. In the event that transaction data is known or suspected of having been accessed or retrieved by any unauthorized Person, you must contact us immediately and in no event more than 24 hours after becoming aware of such activity. 29.5. Investigation. You must, at your own expense (i) perform or cause to be performed an independent investigation, including a forensics analysis performed by a certified forensic vendor acceptable to us and the Card Organizations in accordance with Card Organization standards, of any data security breach of Card or transaction data, (ii) provide a copy of the certified forensic vendors final report regarding the incident to us and the Card Organizations, (iii) perform or cause to be performed any remedial actions recommended by any such investigation, and (iv) cooperate with us in the investigation and resolution of any security breach. Notwithstanding the foregoing,ifrequiredbytheCardOrganization,wewillengage aforensicvendor approved by a Card Organization at your expense.You must cooperate with the forensic vendor so that it may immediately conduct an examination of Merchant Equipment, and your Merchant Providers’ procedures and records and issue a written report of its findings. 29.6. Required Information for Discover Security Breaches. For security breaches involving Discover transactions and/or track data, you must provide us and/or Discover with the following information: (i) the date of breach; (ii) details concerning the data compromised (e.g., account numbers and expiration dates, Cardholder names and addresses, etc.); (iii) the method of such breach; (iv) your security personnel contacts; (v) the name of any person (including law enforcement) assisting you with your investigation of such breach; and (vi) any other information which we reasonably request from you concerning such breach,including forensics reports.You shall provide such information as soon as practicable, and the items listed in (i)­(v) shall be provided to us in any event within 48 hours of your initial notification to us of the breach. 29.7. Merchant Providers. The data security standards set forth in this Section 29 also apply to Merchant Providers. Before you engage any Merchant Provider, you must provide to us in writing (a) the Merchant Provider’s legal name, (b) contact information,and (c) intended function.You acknowledge and agree that you will not use, or provide Card holder data access to, any Merchant Provider until you receive our approval and, if required, confirmation of our registration of that Merchant Provider with applicable Card Organizations.You must ensure that you and Merchant Providers: (i) comply with the registration process which can involve site inspections, background investigations, provision of financial statements, and any other information required by a Card Organization; (ii) comply with the periodic and other reporting required by a Card Organization; and (iii) comply with all applicable Card Organization Rules, including without limitation, those requiring security of Cardholder data. You may allow Merchant Providers access to Cardholder data only for purposes authorized under and in conformance with the Card Organization Rules. You are responsible for all our costs and expenses associated with our review, approval, certification (and recertification as may required by us or the Card Organization Rules) and registration of any Merchant Providers. Your use of the Services, equipment, software, systems, materials, supplies or resources of third parties regarding your Card transactions processing,including, without limitation, Merchant Providers and any third party lessors or licensors, will not affect your obligations under this Agreement to us which will apply to the same extent as if you had not used them. We have no liability or responsibility to you or others regarding these third parties, even if we referred them to you.These third parties are your agents,and you are solely responsible for (i) determining whether they can meet your needs and standards, (ii) their actions, inactions and compliance with the terms of this Agreement and the Card Organization Rules and (iii) any and all fees, costs, expenses and other obligations owed to them by you or owed by them to us or to Card Organizations. 29.8. Reserved. 29.9. Costs. If you or a Merchant Provider (or other Person used by you) are determined by any Card Organization,regardless of any forensic analysis or report, to be the likely source of any loss, disclosure, theft or compromise of Cardholder data or Card transaction information (together, “Compromised Data Events”) and regardless of your belief that you have complied with the Card Organization Rules or any other security precautions and are not responsible for the Compromised Data Event, you must promptly pay us for all related expenses, claims, assessments, fines, losses, costs, and penalties and Issuer reimbursements imposed by the Card Organizations against us (together, “Data Compromise Losses”). In addition to the foregoing, you must also pay us promptly for all expenses and claims made by Issuers against us alleging your responsibility for the Compromised Data Event, apart from any claim procedures administered by the Card Organizations. 30. Authorizations Each authorization request you submit to us must fully comply with the applicable provisions of this Agreement. Submission of an authorization request that does not fully comply may result in assessment of additional fees to you, a declined authorization response or a Chargeback to you. WFB1707GOV REV00 (7/14) 29 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             An Authorization Approval Code only indicates the availability of Credit on an account at the time the Authorization is requested. It does not guarantee or warrant that the person presenting the Card is the rightful Cardholder,the Charge is in fact valid or bona fide, nor is it a promise or guarantee that you will be paid for the Charge and not be subject to a Chargeback. You must obtain an Authorization Approval Code from us (or as authorized, pursuant to Section 5.4) for all transactions.A positive authorization response for MasterCard remains valid for seven (7) days for electronic processed transactions. For true paper merchants for MasterCard and Visa transactions the Authorization remains valid for fourteen (14) days.A positive authorization response for Visa will remain valid for thirty (30) calendar days from the date the Issuer provides the Authorization response for Card Sales in the car rental Industry, airline and passenger railway industries, the lodging industry, and other travel MCCs including passenger transport and ten (10) days from the date of the Authorization response for Card Sales by Merchants in all other industries and MCCs. A positive Authorization response for Discover Network transactions remains valid for ten (10) days for Non T&E transactions and thirty (30) days for T&E transactions. A positive Authorization response for American Express Non T&E transactions are good for seven (7) days, and American Express T&E transactions are good for thirty (30) days. Failure to obtain an Authorization Approval Code for a sales transaction may result in a Chargeback and/or the termination of your Agreement. Authorization Approval Codes can be obtained through your POS Terminal or a Voice Response Unit (“VRU”). Any fees related to Authorizations will be charged for a request for an Authorization Approval Code, whether or not the transaction is approved. Do not attempt to obtain an Authorization Approval Code provided by someone other than us except as described in Section 30.4. If a Cardholder or another service provider provides you with either an authorization number or with a telephone number for obtaining Authorizations,the Authorization Approval Code you receive may not be valid. Even if the transaction is initially processed and funded, it may be charged back at a later date. Also, if you receive a purported Authorization Approval Code from someone other than us, we will not have the supporting records and will be unable to verify that you received the authorization if that is later questioned in a Chargeback. If you obtain Address Verification, you must review the AVS response separately from the authorization response and make your own decision about whether to accept the transaction.A transaction can receive an Authorization Approval Code from the Card Issuer even if AVS is unavailable or reflects that the address provided to you does not match the billing address on file at the Issuer. If the authorized Cardholder disputes such a transaction, you will be responsible for the resulting Chargeback. If you receive a Referral response to an attempted Authorization, you may not submit the transaction without calling for and receiving a voice authorization. After receiving a Referral response you may not attempt another Authorization on the same Card through your POS Terminal. If you fail to obtain an Authorization Approval Code or if you submit a Card transaction after receiving a decline (even if a subsequent Authorization attempt results in an Authorization Approval Code), your transaction may result in a Chargeback and may be assessed fines or fees by the Card Organizations for which you will be responsible. These currently range from $25 to $150 per transaction. To avoid these costs and related Chargebacks, always obtain an Authorization Approval Code directly from your terminal before submitting a transaction for settlement. For Cards other than MasterCard, Visa and Discover (e.g., American Express, etc.) or for check acceptance, you must follow the procedures for authorization and acceptance for each. For American Express, you must obtain an Authorization Approval Code except for charges under a floor limit.The Authorization must be for the full amount of the Charge except for merchants that are classified in the restaurant industry. You may not attempt to obtain multiple Authorizations for a single transaction.If a sale is declined, do not take alternative measures with the same Card to obtain an approval of the sale from other authorization sources.Instead,request another form of payment. If you accept and process a transaction that was declined, or attempt multi­transactions and/or multi­Authorizations, you are subject to a Chargeback, Card Organization Fines and/or cancellation of your Agreement. Do not discuss reason for decline with a Cardholder rather refer them to the customer service number on the back of the Card. For Visa, MasterCard and Discover transactions, automated fuel dispensers must ensure that completion messages are submitted for MasterCard’s Card within 60 minutes of the Authorization. For Discover transactions, Merchants operating in the petroleum industry that conduct Card Sales at Automated Fuel Dispensers (AFDs), may submit an Authorization Request for $1.00 to verify the validity of the Card presented.Under such circumstances, you must submit an Authorization Advice Message for the actual amount of the Card Sale within sixty (60) minutes of completion of fuel delivery regardless of whether you previously received a Partial Authorization Response or a positive Authorization Response for any other amount. If you do not complete the Card Sale following receipt of an approved Authorization Response for any amount,a request to cancel the Authorization Request must be submitted within sixty (60) minutes of the completion of fuel delivery. 30.1. Card Not Present Transactions. You should obtain the 3 or 4 digit Card Validation Code (CVV2, CVC2, CID) and submit this Code with all authorization requests with respect to transactions where the Card is not present (e.g., telephone, mail or internet sales). However, for recurring transaction Authorizations you should submit the Card Validation Code with the first authorization request only, and not with subsequent recurring transaction authorization requests (See Section 26.7). NOTE: For each Card Not Present Discover transaction, you must also verify the name and billing address of the Discover Cardholder using the Address Verification System (AVS), and if you do not receive a positive match, do not process the Discover Card Not Present transaction. For Gateway merchants,it is your responsibility to ensure AVS/CVV2/CVC2 settings are appropriate to deter fraud for your particular type of business. 30.2. Authorization via Telephone (Other than Terminal/Electronic Device Users). • Call your designated voice authorization toll free number and enter the authorization information into the VRU using a touch tone phone or hold for an authorization representative. • IfadvisedtopickupaCard,usereasonableandpeacefulmeanstodoso,and do not take any action that will alarm or embarrass the Card presenter. You will bear all responsibility for claims, liabilities, costs and expenses as a result of any action by you,your employees,vendors or agents,that attempt to retain a Card without the Issuer’s direct request or failure to use reasonable, lawful means in retaining or attempting to retain the Card.Forward the Card to:Attn: Rewards Department,P.O.Box 5019,Hagerstown,MD 21740.You may be paid a reward for the return of the Card. • On occasion, the Authorization Center will ask you to obtain identification from the Cardholder before issuing an approval code. If you are instructed to do so, clearly write the appropriate identification source and numbers in the space provided on the Sales Draft unless otherwise prohibited by law. • Ifthesaleisdeclined,pleaserememberthatouroperatorsareonlyrelayinga messagefromtheIssuer.The factthata sale hasbeendeclinedshould notbe interpreted as a reflection of the Cardholder’s creditworthiness. The Cardholder should be instructed to call the Issuer. 30.3. Authorization via Electronic Devices. • If you use an electronic terminal to obtain Authorization Approval Code, all sales should be authorized through this equipment. Authorizations through other methods will result in additional charges to you. • Ifyourterminalmalfunctions,refertoyourQuickReferenceGuide,ifnecessary, or call the POS Help Desk. The problem will either be corrected promptly or may require terminal programming or replacement. During the period in which your terminal is not functioning,remember to check it periodically since most terminal problems are temporary in nature and are quickly corrected. • If a terminal is moved or if wires are disconnected, causing malfunction, call the POS Help Desk immediately and follow their instructions. You may be responsible for any service charges incurred for reactivation of the terminal. • Until the terminal becomes operable, you must call your designated voice authorization toll free number and enter authorization information into the VRU using a touchtone phone. During this time, each transaction must be imprinted using a manual Imprinter machine. Failure to obtain an Author­ ization Approval Code and to imprint these transactions could result in a chargeback to your account. 30.4. Third Party Authorization System. If you have contracted with another authorization network to obtain Credit Card authorization, i.e., your terminal can Split Dial,liability resulting from discrepancies with that network must be resolved between you and that network. WFB1707GOV REV00 (7/14) 30 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             We will not research Chargebacks resulting from Authorization Approval Codes obtained from another authorization service organization.Such Chargebacks will be passed through to you for resolution. If an authorization provided by a third party authorization system is challenged in a Chargeback,you must obtain proof (e.g., third party authorization logs) from the authorization source and submit it to us within the time frame specified on the Chargeback documentation received. IF YOU CONTRACTED TO USE ONE OF OUR AUTHORIZATION SERVICES, DO NOT USE ANOTHER THIRD PARTY SYSTEM WITHOUT NOTIFYING CUSTOMER SERVICE. OTHERWISE, WE WILL BE UNABLE TO SUCCESSFULLY RESEARCH AND DEFEND ANY AUTHORIZATION RELATED CHARGEBACKS ON YOUR BEHALF. THIS DELAY WILL SIGNIFICANTLY DECREASE YOUR TIME TO RESEARCH AND PROVIDE PROOF OF AUTHORIZATION, THUS REDUCING YOUR OPPORTUNITY TO REVERSE A CHARGEBACK. If you utilize another authorization network, you will be responsible for the downgrade of any transactions to a higher cost interchange that result from a mismatch of information to our systems and those of third party authorization networks (see Section 5.1). If you use a third party authorization network,you must also comply with Section 29.7. Call the following for other Card types: American Express/ESA or Direct 1­800­528­5200 JCB, International 1­800­522­9345 (For YEN and CAD currency only) TeleCheck 1­800­366­5010 Voyager 1­800­987­6589 WEX 1­800­842­0071 Available 24 hours/day; 7 days/week All approved sales authorized in this manner must be entered manually as “post authorization” transactions into the terminal, once the terminal becomes operational. All credit transactions must be entered into the terminal for data capture. You may be subject to a Chargeback if you receive a Referral and subsequently receive an approval. To reduce the risk of such a Chargeback, the Card should be imprinted using a manual Imprinter machine. (For specific procedures on Electronic Data Capture, refer to the Terminal Operating Instructions/Users Guide.) If the terminal malfunctions for more than twenty­four (24) hours, contact Customer Service for further instructions on processing your transactions. 30.5. Automated Dispensing Machines. Records must be produced for all transactions whose origin and data capture are automated dispensing machines or Limited Amount Terminals. Records should include the Cardholder account number, merchant’s name, terminal location, transaction date and amount. 30.6. Pre­Authorization for T&E (Travel & Entertainment) and Restaurant Merchants. If you are a business engaged in providing travel and/or enter­ tainment services (e.g., car rentals, hotels, motels, etc.) or a restaurant business, and engage in the practice of “pre­Authorization.” You must comply with the following general procedures: • A hotel, motel, or car rental merchant may obtain an estimated Visa, MasterCard or Discover Authorization at the time of check­in. • Restaurants must not add an estimated tip amount to the authorization request beyond the value of the goods provided, or services rendered, plus any applicable tax. • You must notify the Cardholder of the dollar amount you intend to “Pre­ Authorize.” • Ifthecustomerdecidestouseanotherformofpayment(e.g.,cash,check,etc.) you must promptly call the Voice Authorization Response Unit to delete the authorization hold. Provide the Cardholder’s account number, original dollar amount and date of the transaction, and the authorization code. If a new transaction takes place, a new imprinted and signed Sales Draft for the exact amount and a new authorization code for that amount must be obtained. • VEHICLE RENTAL PROVIDERS MAY NOT INCLUDE POTENTIAL VEHICLE DAMAGE OR INSURANCE DEDUCTIBLES IN ANY PREAUTHORIZATIONS. • Ifyoureceiveadeclineonatransaction,youmustwaittwentyfour(24)hours before attempting to reauthorize. If you reauthorize prior to this time frame and receive an approval, you may be subject to a chargeback and a fine imposed by the Card Organizations. • Hotels, motels, and car rental merchants are allowed up to a 15% variance above the amount authorized. If the final amount charged to the Cardholder exceeds the original estimate by more than 15% above the preauthorization, you must authorize any additional amounts,and all incremental authorization codes must be written in the authorization area along with the date of authorization and the amount authorized. • Pre­Authorizationforcertainestablishments,arealloweduptoa20%(instead of 15%) variance above the amount authorized. If the final amount exceeds the amount “preauthorized” by more than 20%, you must authorize the additional amount. Estimating the Authorization amount to include a tip is prohibited. The authorization request should include only the amount associated with the bill presented to the consumer. • You should obtain an Authorization for the initial estimated charges and then monitor the charges to ensure that the actual charges made do not exceed the estimated charges. If the actual charges exceed the amount of the initial estimated authorization (and any subsequent estimated authorizations),then you must secure a positive authorization for the additional amount. NOTE: Subsequent Authorizations should only be for the additional amount of total charges and not include amounts already authorized. • The estimated amount of any pre­authorization for lodging accommodations must be based on (i) the intended length of stay; (ii) the room rate; (iii) applicable taxes and service charges; and (iv) other miscellaneous charges as dictated by experience. • If an authorization request is declined, no charges occurring after that date will be accepted for that Cardholder. • You do not need to obtain a final Authorization if the total sum of charges (the final amount) does not exceed 120% of the previously authorized charges.You must record the dates,authorized amounts,and their respective Authorization Approval Codes on the Sales Draft(s). 30.7. Discover Procedure for Request for Cancellation of Authorization. If a Discover Card sale is cancelled or the amount of the transaction changes following your receipt of Authorization for the sale, you must call your Authorization Centerdirectlyand requestacancellationoftheAuthorization.An Authorization may be cancelled at any time within ten (10) days of your receipt of the Authorization, but must be cancelled before the sales data relating to the transaction is submitted to us, after which the Authorization cannot be changed. For an Authorization cancellation, you must provide us with the following information, in this order: • The Discover Merchant Account Number used in the Authorization; • The Card number; • The original amount of the Authorization being cancelled; • The new amount of the total transaction (if any); • The original authorization code for the Authorization being cancelled; • The expiration date of the Card; and • A brief reason for the Authorization cancellation. 30.8. Partial Authorization and Authorization Reversal. Partial Authorization provides an alternative to a declined transaction by permitting a Card Issuer to return an Authorization approval for a partial amount, an amount less than the transaction amount requested by the merchant when the available card balance is not sufficient to approve the transaction in full.The Cardholder is able to use up the remaining funds on the Card and select another form of payment (i.e.another payment Card, cash, check) for the remaining balance of the transaction. For MasterCard transactions, partial authorization is optional for batch authorized e­ commerce transactions, mail order, telephone order transactions and recurring payment transactions. For Discover transactions, partial Authorization support is optional for Card Not Present transactions. If you support partial Authorizations, a partial Authorization indicator must be included in each Authorization request. An Authorization reversal must be submitted if the Authorization is no longer needed a partial amount of the total authorized is submitted for the settled transaction,or the Cardholder elects not to the purchase.The transaction sent for settlement must be no more than the amount approved in the partial Authorization response. In the event that you wish to support the partial Authorization functionality, you must contact us for additional rules and requirements.An authorization reversal may only be submitted if the transaction has not settled.Once the transaction has settled,only a Credit or refund can occur. 3 1 . S u b m i s s i o n / D e p o s i t o f S a l e s D ra f t s a n d C r e d i t D r a f t s 31.1. Submission of Sales for Merchants Other Than Your Business. You may present for payment only valid charges that arise from a transaction between a WFB1707GOV REV00 (7/14) 31 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    bona fide Cardholder and your establishment.If you deposit or attempt to deposit transactions that arise from sales between Cardholders and a different business than the one approved by us in our agreement with you, then the transaction may be charged back, we may suspend or debit funds associated with all such transactions, and we may immediately terminate your account and the Agreement. 31.1.1. Factoring. Factoring is considered merchant fraud and strictly prohibited. Factoring is the submission of authorization requests and/or Sales Draftsbya merchantforCardtransactionstransacted byanotherbusiness.Ifyou submit Sales Drafts on behalf of another Person, you will suffer any losses associated with the disputes of any such Sales Draft and/or transaction. Also if any fraud is involved, you could face criminal prosecution. 31.2. Timeliness. In order to qualify for the lowest fees for Services,all Sales and Credit Drafts must be properly completed and submitted daily. If you have not received payment for submitted Sales Drafts after one (1) week from your normal payment date,contact Customer Service.Late Submission of Sales or Credit Drafts may result in increased interchange rates or fees or in a Chargeback to you. 31.3. Electronic Merchants: Daily Batching Requirements & Media Submission. Batches must be transmitted to us by the time indicated on the Additional Important Information Page in Section 41.2 of the Agreement in order to be processed on the date of transmission. Additionally, if you deposit via magnetic tape, electronic transmissions, or Electronic Data Capture terminal and have contracted to send the actual Sales Drafts and Credit Drafts to us for imaging and retrieval, the Sales Drafts the Media must be batched daily by register/terminal following the procedures below.Failure to do so may result in a processing fee and/or a Chargeback due to our inability to retrieve the Media as requested by the Issuer. • A register/terminal Batch header form must be filled out for each Batch of Media. • The Batch header must be imprinted with your Merchant Identification Card, and all areas completed properly (i.e.,Batch number,date,amount,number of items, etc.). • The Batch/deposit total must match to the settled/reconciled amount displayed on the terminal upon closing the Batch. • Any discrepancies between the actual Media and electronic display must be reconciled and corrected before storing the Media (for merchants who contract to hold their Media) or before sending us the copies of the deposit. Otherwise, transactions may appear to be a new Submission and may be manually keyed (causing duplicate billing to Cardholders and resulting in Chargebacks) or we may not be able to retrieve an item when requested by the Issuer. • It is your responsibility to ensure that the actual Media is batched correctly and,depending on the terms of your Agreement,either stored at your location or sent to Processor.(In some cases,the actual Media is sent daily to your head office, and forwarded to Processor for imaging.) • You must confirm that your equipment has transmitted your Batches to us at least once daily. Even if your equipment is designed or programmed to close and submit Batches without your intervention, it is ultimately your responsibility to confirm that the Batches have been transmitted to us for processing. 32. S ettlement Except as otherwise set forth in this Program Guide, your funds for MasterCard/­ Visa/Discover transactions will ordinarily be processed and transferred to your financial institution within two (2) Business Days from the time a Batch is received by Processor if your financial institution is the Bank. If your financial institution is not the Bank, your MasterCard/ Visa/ Discover transactions will ordinarily be processed and transferred to the Federal Reserve within two (2) Business Days from the time a Batch is received by Processor. The Federal Reserve will transfer such amounts to your financial institution. If you have been classified by Discover as having a Discover Direct Strategic Relationship with Discover, we will not acquire your Discover transactions and they will be subject to your agreement with Discover. You acknowledge and agree that if we had not agreed or do not acquire transactions for any Card type (i) we have no liability or responsibility whatsoever for the settlement of or disputes regarding those transactions and (ii) you will pursue directly with the related Card Organization all claims and disputes regarding those transactions. You agree to pay us per item processing, authorization and other fees in the Application for any non­acquired transaction services you receive from us. For the avoidance of doubt, with respect to the payments you have elected to accept on your Merchant Processing Application,you authorize us to submit Card transactions to,and receive settlement for such transactions from,the applicable Card Organizations on your behalf. 33. Refunds/Exchanges (Credits) 33.1. Refunds. • You must promptly complete and submit a Credit Draft for the total amount of the Credit which must include the following information: – The account number and expiration date; – The Cardholder’s name; – Your name, city, state and Merchant Account Number; – A description of the goods or services; – The transaction date of the Credit; – The total amount of the Credit; and – For Discover transactions, the approved currency used and the signature of your authorized representative or employee. • You cannot process a Credit transaction that does not correspond to a refund on a previous transaction on the original Sales Draft. • Full refunds must be for the exact dollar amount of the original transaction including tax, handling charges, etc. (You must identify the shipping and handling charges incurred.) The refund amount may not be for more than the original Card sale amount. • All dollar amounts and other handwritten information must be clearly written. (Stray marks on the Credit Draft will render it unscannable/ illegible.) • Do not circle or underline any information on the Credit Draft. • Imprint the Credit Draft with the same Card used by the Cardholder to make the original purchase when applicable.You should not credit an account that differs from the account used for the original transaction. • Never give cash or check Credit refunds for Card sales. • HavetheCardholdersigntheCreditDraft,givetheCardholdertheappropriate copy, and deposit the Credit Draft immediately. Failure to process a credit within five (5) calendar days may result in a Chargeback. • Authorization is not required for Credits. • You cannot intentionally submit a sale and an offsetting Credit at a later date solely for the purpose of debiting and crediting your own or a customer’s account. • You are responsible for paying all refunds submitted to us on your merchant account.We assume no responsibility for verifying any Credits or refunds. • Do not process a Credit transaction once a Chargeback is received. Credits issued after a Chargeback has been received may not be recoverable and the merchant would be financially responsible for the Credit as well as the Chargeback. • YOU ARE RESPONSIBLE TO SECURE YOUR TERMINALS AND TO INSTITUTE APPROPRIATE CONTROLS TO PREVENT EMPLOYEES OR OTHERS FROM SUBMITTING CREDITS THAT DO NOT REFLECT BONA FIDE RETURNS OR REIMBURSEMENTS OF PRIOR TRANSACTIONS. 33.2. Processing a Credit for American Express Transactions. These are additional requirements for a Credit for purchases or payments made on an American Express Card. To issue a Credit, you must: 1. Compare the last four digits on the Sales Draft against the Card presented (when applicable). 2. Have the Cardholder sign the Credit Draft (when applicable). 3. Provide a copy of the Credit Draft to the Cardholder. You must not issue a Credit when there is no corresponding Charge, nor issue a Credit in exchange for cash or other consideration from a Cardholder. You must submit all Credits under the establishment where the Credit originated. A Credit must be issued in the currency in which the original Charge was submitted to us. You must issue Credits to the Card used to make the original purchase; however, if the Credit is for the return of a gift by someone other than the Cardholder who made the original purchase, apply your usual refund policy. If the Cardholder indicates that the Card on which the purchase was originally made is no longer active or available, do the following: • For all Cards except Prepaid Cards, advise the Cardholder that you must issue WFB1707GOV REV00 (7/14) 32 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  the Credit to that Card. If the Cardholder has questions, advise him or her to call the customer service number on the back of the Card in question. • If the inactive or unavailable Card is a Prepaid Card, apply your usual refund policy for returns. If you issue a Credit, American Express will not refund the discount or any other fees or assessments previously applied on the corresponding Charge. The discount on Chargebacks will not be refunded. Your return and cancellation policies must be fair and clearly disclosed at the time of sale in compliance with applicable law.Your policies must be conveyed to the Cardholder prior to completion of the Charge and printed on a copy of a receipt or Sales Draft. Your refund policy for purchases on the American Express Card must be at least as favorable as your refund policy for purchases made with other payment products or other payment methods. Return Policy recommendations. Provide clear return instructions for your customers, including the following information: • Customer service telephone number. • Reference number for the return. • Expected processing time for the Credit. • Return address, preferably on a pre­formatted shipping label (if applicable). You must submit all Credits to us within seven (7) days of determining that a Credit is due. Cancellation Policy Recommendations. • Provide document cancellation policy and terms and conditions on the contract the Cardholder signs, or on your website, as applicable. • Provide Cardholder with a cancellation number that can be tracked in your records. American Express Return Policy For Prepaid Products. If your return policy for the purchase of prepaid products is different from your standard return policy,you must ensure that such prepaid product­specific return policy is clearly disclosed to the Cardholder at the time of purchase in accordance with applicable law and also coded to print on all receipts and copies of Sales Drafts you provide to Cardholders. 33.3. Exchanges. • No additional paperwork is necessary for an even exchange. Just follow your standard company policy. • For an uneven exchange, complete a Credit Draft (follow the procedures outlined in Section 33.1.) for the total amount of only the merchandise returned. The Cardholder’s account will be credited for that amount. Then, complete a new Sales Draft for the total amount of any new merchandise purchased. 34. Retention of Records For Retrievals and Chargebacks 34.1. Retain Legible Copies. For Visa: You must securely retain legible copies of all Sales and Credit Drafts or any other transaction records for a period of thirteen (13) months from the date of each transaction and a period of five (5) years for the retention of healthcare Sales Drafts and Credit Drafts. The Sales Draft you retain must comply with all requirements (see Section 28.1). For MasterCard: You must securely retain legible copies of all Sales Drafts and Credit Drafts or any other transaction records for a period of thirteen (13) months from the date of each transaction and a period of five (5) years for the retention of healthcare Sales Drafts and Credit Drafts. The Sales Drafts you retain must comply with all requirements (see Section 28.1). For Discover: You must securely retain legible copies of all Sales and Credit Drafts or any other transaction records for the longer of (i) 365 days or (ii) the resolution of any pending or threatened disputes, claims, disagreements or litigation involving the Card transaction.You must also keep images or other copies of Sales Drafts for no less than three (3) years from the date of the Discover transaction. For American Express: You must submit the Credit to American Express directly, or through your Processor,for payment.You must securely retain legible copies of all Sales Drafts and Credit Drafts or any other transaction records for 24 months from the date you submitted the corresponding Credit to us. You must also provide a copy of the Credit Draft to the Cardholder or as required by applicable law, truncate the Card Number and do not print the Card’s expiration date on copies of Credit Drafts delivered to the Cardholder. 34.2. Provide Sales and Credit Drafts. You must provide all Sales Drafts and Credit Drafts or other transaction records requested by us within the shortest time limits established by Card Organization Rules. You are responsible for any deficiencies in Card transaction data transmitted or otherwise delivered to us. 35. Chargebacks, Retrievals and Other Debits 35.1. Chargebacks. 35.1.1. Generally. Both the Cardholder and the Issuer have the right to question or dispute a transaction. If such questions or disputes are not resolved, a Chargeback may occur.A Chargeback is a Card transaction that is returned to us by the Card Issuer.As a result,we will debit your Settlement Account or settlement funds for the amount of each Chargeback. It is strongly recommended that, whenever possible, you contact the Cardholder directly to resolve a disputed transaction or Chargeback, unless the dispute involves a Discover Cardholder, in which case Discover rules and regulations expressly prohibit you from contacting the Discover Cardholder regarding the dispute. You are responsible for all Chargebacks, our Chargeback fees, and related costs arising from your transactions. 35.1.2. Transaction Documentation Requests. In some cases, before a Chargeback is initiated, the Issuer will request a copy of the Sales Draft via a request for transaction documentation. We will forward the request to you. You must respond to the request within the time frame and manner set forth in the request. We will then forward your response to the Issuer. If you fail to timely respond, we will so notify the Issuer and a Chargeback may result. Upon receipt of a transaction documentation request,immediately retrieve the requested Sales Draft(s) using the following guidelines: • Make a legible copy, centered on 8­1⁄2 x 11­inch paper (only one (1) Sales Draft per page). • Write the ‘case number’ from the request for transaction documentation on each copy/page. • If applicable, make copies of a hotel folio, car rental agreement, or mail/phone/internet order form, or other form of receipt. • If a Credit transaction has been processed, a copy of the Credit Draft is also required. • Letters are not acceptable substitutes for Sales Drafts. • Fax or mail legible copies of the Sales Draft(s) to the fax number or mail address provided on the request form. • Ifyoufaxyourresponse,pleasesetyourfaxmachinetoprintyourfaxnumber and name on the documents that you send. We can use this information to determine where the documentation received originated from should additional research be required. • Additionally,pleasesetthescanresolutiononyourfaxmachinetothehighest setting. The higher resolution setting improves the clarity of characters and graphics on the documentation transmitted and helps reduce the number of illegible fulfillments and/or Chargebacks. If we do not receive a clear, legible and complete copy of the transaction documentation within the timeframe specified on the request, you may be subject to a Chargeback for“non­receipt”for which there is no recourse. A handling fee may be charged by the Issuer and will be debited from your Settlement Account or settlement funds if a Transaction Documentation Request results from a difference in the following information on the Sales Draft and the transmitted record: merchant name or an incorrect city, state, foreign country and/or transaction date. 35.1.3. Chargeback Process. Regardless of whether you respond to a Transaction Documentation Request, a Chargeback may be debited to your Settlement Accountfor numerousreasons(seebelow).Ifthe CardIssuer submits a Chargeback,we will send you a Chargeback notification,which may also include a request for transaction documentation. Due to the short time requirements imposed by MasterCard, Visa and Discover and American Express, it is extremely important that you respond to a Chargeback notification and Transaction Documentation Request within the time frame set forth in the notification. Do not process a credit transaction once a Chargeback is received; the Issuer will Credit the Cardholder’s account. Credits issued after a Chargeback has been received, may not be recoverable and you may be financially responsible for the Credit as well as the Chargeback. If the information you provide is both timely and,in our sole discretion,sufficient to warrant a representment of the transaction and/or reversal of the Chargeback, we will do so on your behalf. However, representment and/or reversal is ultimately contingent upon the Card Issuer WFB1707GOV REV00 (7/14) 33 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             and/or Cardholder accepting the transaction under applicable Card Organization guidelines.Representment or reversal is not a guarantee that the Chargeback has been resolved in your favor. For Visa Chargebacks: If we reverse the Chargeback and represent the transaction to the Issuer, the Issuer, at its sole discretion, may elect to submit the matter for arbitration beforeVisa.Visa currently charges a $250 filing fee and a $250 review fee.You will be responsible for all such fees and charges whether or not a decision is made in your favor,and any other applicable fees and charges imposed by Visa, as they may change from time to time.Such fees and charges will be debited from your Settlement Account or settlement funds, in addition to the Chargeback. For MasterCard Chargebacks: If we reverse the Chargeback and represent the transaction to the Card Issuer, at its sole discretion, may elect to resubmit the Chargeback. In such event, at the discretion of Processor, we will debit your Settlement Account or settlement funds for the Chargeback.However,if you feel strongly that it is an invalid Chargeback, we may, on your behalf and at your request,submit the matter for arbitration before MasterCard.MasterCard currently charges a $150 filing fee and a $250 review fee.You will be responsible for all such fees and charges whether or not a decision is made in your favor, and any other charges imposed by MasterCard,as they may change from time to time.Such fees and charges will be debited from your Settlement Account or settlement funds, in addition to the Chargeback. For Discover Chargebacks: If Discover rejects our representment request and you feel strongly that the Chargeback is invalid,we may,at the discretion of Processor and on your behalf and at your request,submit the matter for dispute arbitration before Discover. Discover charges fees for representment requests and an arbitration fee as published in their fee schedule. If the Chargeback is not disputed within the applicable time limits set forth by MasterCard, Visa, Discover and American Express rules and regulations, reversal rights are forfeited. Our only alternative, for Visa and MasterCard non­fraud Chargeback reason codes, is to attempt a “good faith collection” from the Issuer on your behalf. This process can take up to six (6) months and must meet the Issuer’s criteria (e.g., at or above a set dollar amount. Good faith collection attempts are not a guarantee that any funds will be collected on your behalf. Issuers normally charge good faith collection fees, which are deducted from the transaction amount if accepted in addition to any processing fees that are charged by us. For American Express Chargebacks: You may request a Chargeback reversal if the Chargeback was applied in error.In order for us to consider your request,you must have responded to the original inquiry within the specified timeframe, request the Chargeback reversal no later than 20 days after the date of the Chargeback, and provide all supporting documentation to substantiate the error. Note: Discover and American Express do not offer good faith collection for Acquirers. MasterCard and Visa Card Organization Rules require that a merchant make a good faith attempt and be willing and able to resolve any disputes directly with the Cardholder. Discover rules and regulations, however, prohibit you and/or us from contacting the Cardholder directly regarding dispute(s) or any other matter, except as required for acceptance of Discover transactions,and require you and/or us to submit any responses to dispute notices directly to Discover. Due to Card Organization Rules, you may not re­bill a Cardholder after a Chargeback is received for that transaction, even with Cardholder authorization. We strongly recommend that you include a detailed rebuttal letter along with all pertinent documents when responding to a transaction request or a Chargeback notification (e.g.,rental agreement,imprinted portion of the invoice or Sales Draft; the portion signed by the Cardholder;and the area where the authorization codes, with amounts and dates, are located). Due to the short time frames and the supporting documentation necessary to successfully (and permanently) reverse a Chargeback in your favor, we strongly recommend the following: • Avoid Chargebacks by adhering to the guidelines and procedures outlined in these Operating Procedures. • IfyoudoreceiveaChargeback,investigate,andifyoudisputetheChargeback, submit the appropriate documentation within the required time frame. • Whenever possible, contact the Cardholder directly to resolve the dispute, unless the dispute relates to a Discover Cardholder, in which case direct contact with the Discover Cardholder regarding the dispute is prohibited by Discover Card Organization Rules. • If you have any questions, call Customer Service. 35.1.4. Chargeback Reasons. This section outlines the most common types of Chargebacks. This list is not exhaustive. For ease of understanding, we have combined like Chargebacks into six groupings. We have included recommendations on how to reduce the risk of Chargebacks within each group. These are recommendations only, and do not guarantee that you will be able to prevent Chargebacks. 1. Authorization Issues: Proper Authorization procedures were not followed and valid Authorization was not obtained. The following scenarios could cause an Authorization Related Charge­ back to occur: • Authorization not obtained. • Authorization was declined. • Transaction processed with an expired card and Authorization was not obtained. • Transaction was processed with an invalid account number and Authorization was not obtained. • Card Recovery Bulletin (CRB) or Exception File was not checked (transactions below floor limit). To reduce your risk of receiving an Authorization Related Chargeback: • Obtain valid Authorization on the day of the transaction. • Card Present Transactions­Authorization must be obtained on the transaction date for the amount settled. • Card Not Present Transactions­Authorization must be obtained on the transaction date for the amount settled. However, if merchandise is being shipped, Authorization must be obtained within seven calendar days of the transaction ship date. • Ifadeclinedresponseisreceived,thenrequestanotherformofpaymentfrom the Cardholder. • If a Referral response is received, then follow proper voice procedures to obtain a valid Authorization and obtain an imprint of the card • “Pick­up” response indicates that the Issuer is requesting for the card to be retained and returned back to them.The Credit Card should not be accepted for payment.Additionally,you can choose to retain the Credit Card and return it to the Acquirer for a reward. • Merchants should not exceed any predetermined thresholds for specific terminal types as specified by each Card Organization. 2. Cancellations and Returns: Credit was not processed properly or the Cardholder has cancelled and/or returned items. The following scenarios could cause a Cancellation and Return Related Chargeback to occur: • Cardholder received damaged or defective merchandise. • Cardholder continued to be billed for cancelled recurring transaction. • Credit transaction was not processed. To reduce your risk of receiving a Cancellation and Return Related Chargeback: • Issue Credit to the Cardholder for the same account as the purchase in a timely manner. • Do not issue Credit to the Cardholder in the form of cash, check or instore/merchandise Credit as we may not be able to recoup your funds in the event the transaction is charged back. • Ensure customers are fully aware of the conditions for recurring transactions. Cancel recurring billings as soon as notification is received from the Cardholder or as a Chargeback,and Issue a Credit as needed to the cardholder in a timely manner. • Pre­notify the Cardholder of billings within 10 days (Domestic) and 15 (International) prior to billing, allowing the Cardholder time to cancel the transaction. • Provide proper disclosure of your refund policy for returned/cancelled merchandise, or services to the Cardholder at the time of transaction in accordance with applicable law. • Card present, Cardholder signed the Sales Draft containing disclosure. • If applicable, the words “NO EXCHANGE, NO REFUND,” etc. must be clearly printed in ¼ inch lettering on the Sales Draft near or above the Cardholder signature. • Ecommerce, provide disclosure on website on same page as check out showing Cardholder must click to accept prior to completion. WFB1707GOV REV00 (7/14) 34 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      • Card Not Present, provide cancellation policy at the time of the transaction. • Provide cancellation numbers to Cardholder’s when lodging services are cancelled. • Ensure delivery of the merchandise or services ordered to the Cardholder. 3. Fraud: Transactions that the Cardholder or authorized user claims are unauthorized; the account number is no longer in use or is fictitious, or the merchant was identified as“high risk”. The following scenarios could cause a Fraud Related Chargeback to occur: • Multiple transactions were completed with a single card without the Cardholder’s permission. • Counterfeit card was utilized and proper acceptance procedures were not followed. • Authorization was obtained; however, full track data was not transmitted. • Cardholder states that they did not authorize or participate in the transaction. NOTE: Visa Fraud Chargebacks: Chargeback representment rights do not exist if you failed to fulfill a retrieval request and/or provide a sales slip that contains all required data elements. To preserve Chargeback representment rights, respond to all retrieval requests with a clear legible copy of the transaction document that contains all required data elements within the required timeframe that is specified by the retrieval request. To reduce your risk of receiving a Fraud Related Chargeback: Card Present Transactions:. • Pre­notify the Cardholder of billings within 10 days. • American Express customers have the option to receive written notification of the recurring transaction at least (10) days prior to submitting,or any time the Charge amount exceeds a maximum amount that has been set by the cardholder. • Obtain an Authorization for all transactions. • If you are utilizing an electronic device to capture Card information, swipe all Card transactions through your electronic authorization device to capture Cardholder information and ensure the displayed Cardholder number matches the number on the Card. • IfyouareunabletoswipetheCardorifaReferralresponseisreceived,imprint the card using a valid imprinting device that will capture the embossed Card and merchant information. Do not alter the imprint on the draft in any way. Manually entering the information into the terminal does not protect you from this type of Chargeback. All pertinent information relating to the transaction must be written on the manually imprinted draft (transaction date, dollar amount, authorization code and merchandise description) along with the Cardholder signature. Note: Do not imprint on the back ofa signedSalesDraft.The imprint must beon the transaction document that contains all transaction elements to prove the Card was present at the time of the transaction. • Obtain the Cardholder signature for all transactions; ensure the signature on the Sales Draft matches the signature on the back of the Card. • Process all transaction one time and do not Batch out transactions multiple times. • Educate staff on procedures to eliminate point of sale (POS) fraud. Card Not Present Transactions: • Participation in recommended Fraud Prevention Tools. • Verified by Visa Program. • MasterCard SecureCode. • Address Verification Services. • CVV2, CVC2 and CID Verification. Note: While transactions utilizing these tools may still be disputed, the service may assist you with your decision to accept the Card for the transaction. • Ensure you ship to the AVS confirmed address (bill to and ship to should match). • Obtain Authorization for all transactions. • Ensure merchant descriptor matches the name of the business and is displayed correctly on the Cardholder statement. • Ensure descriptor includes correct business address and a valid customer service number. • American Express offers fraud mitigation tools for both Card Present and Card Not Presenttransactionstohelp verify that a Charge isvalid.These tools help you mitigate the risk of fraud at the point of sale, but are not a guarantee that a Charge is in fact valid or bona fide, or that you will not be subject to a Chargeback.Foroptimaluse of thetools,please visitAmericanExpress’Fraud Prevention Information at: www.americanexpress.com/fraudinfo. 4. Cardholder Disputes: Merchandise or services not received by the Cardholder, Merchandise defective or not as described. The following scenarios could cause a Cardholder Dispute Chargeback to occur: • Services were not provided or merchandise was not received by the Cardholder. • The Cardholder was charged prior to merchandise being shipped or merchandise was not received by agreed upon delivery date or location. • Cardholder received merchandise that was defective damaged or unsuited for the purpose sold, or did not match the description on the transaction documentation/verbal description presented at the time of purchase. • Cardholder paid with an alternate means and their Card was also billed for the same transaction. • Cardholder cancelled service or merchandise and their Card was billed. • Cardholder billed for a transaction that was not part of the original transaction document. To reduce your risk of receiving a Cardholder Dispute Related Chargeback: • Provide Services or Merchandise as agreed upon and described to the cardholder; clearly indicate the expected delivery date on the sales receipt or invoice. • Contact the cardholder in writing if the merchandise or service cannot be provided or is delayed, and offer the cardholder the option to cancel if your internal policies allow. • In the event that the cardholder received defective merchandise or the merchandise received was not as described; resolve the issue with the cardholder at first contact. • If the merchandise is being picked up by the Cardholder, have them sign for the merchandise after inspection that it was received in good condition. • Do not Charge the Cardholder until the merchandise has been shipped, ship according to the agreed upon terms and obtain signed Proof of Delivery from the Cardholder. • If unable to provide services or merchandise, issue credit to cardholder in a timely manner. • Accept only one form of payment per transaction and ensure the cardholder is only billed once per transaction. • Do not bill Cardholder for loss, theft or damages unless authorized by the Cardholder. 5. Processing Errors: Error was made when transaction was processed or it was billed incorrectly. The following scenarios could cause a Processing Error Chargeback to occur: • Transaction was not deposited within the Card Organization specified timeframe. • Cardholder was issue a Credit Draft; however, the transaction was processed as a sale. • Transaction was to be processed in a currency other than the currency used to settle the transaction. • The account number or transaction amount utilized in the transaction was incorrectly entered. • A single transaction was processed more than once to the Cardholders account. • Cardholder initially presented card as payment for the transaction; however Cardholder decided to use an alternate form of payment. • Limited amount or self­service terminal transaction was processed for an amount which is over the predetermined limit. To reduce your risk of receiving a Processing Error Related Chargeback: • Process all transactions within the Card Organization specified timeframes. • Ensure all transactions are processed accurately and only one time. Note: In the event that a transaction was processed more than once;immediately issue voids, transaction reversals or Credits. • Ensure that credit transaction receipts are processed as Credits and sale transaction receipts are processed as sales. WFB1707GOV REV00 (7/14) 35 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                • Ensure all transactions received a valid Authorization Approval Code prior to processing the transaction and obtain a legible magnetic swipe or imprinted Sales Draft that is signed. • Do not alter transaction documentation or make any adjustments unless the Cardholder has been contacted and agrees to any modifications of the transaction amount. • Ensure limited amount, self­service and automated fuel dispenser terminals are set properly to conform to the pre­determined limits. 6. Non Receipt of Information: Failure to Respond to a Retrieval Request or Cardholder Does Not Recognize. The following scenarios could cause Non Receipt of Information Chargeback to occur: • The transaction documentation was not provided to fulfill the retrieval request. • The retrieval request was fulfilled with an illegible Sales Draft or was an invalid fulfillment (Incorrect sales draft or sales draft did not contain required information which may include signature). • The Cardholder does not recognize or is unfamiliar with the transaction due to the merchant name and/or location not matching the name and/or location where the transaction took place. To reduce your risk of receiving a Non Receipt of Information Related Chargeback: • Provide a clear and legible copy of the Sales Draft that contains all required data elements within the required timeframe that is specified on the retrieval request. • Ensurethatthemostrecognizablemerchantname,locationand/orcustomer service phone number is provided on all transactions. • Retain copies of all transaction documentation for the required timeframe that is specified by each Card Organization. • Develop efficient methods to retrieve transaction documentation to maximize ability to fulfill requests. 35.2. Summary (Deposit) Adjustments / Electronic Rejects. Occasionally, it is necessary to adjust the dollar amount of your summaries/Submissions (deposits) and Credit or debit your Settlement Account or settlement funds accordingly.The following is a list of the most frequent reasons for Summary (Deposit) Adjustments/Electronic Rejects: • Your summary reflected an arithmetic error. • Submitted sales not included in your Agreement (e.g., American Express). • The dollar amount is unreadable/ illegible. • The Cardholder’s account number is unreadable/illegible. • Duplicate Sales Draft submitted. • Card number is incorrect /incomplete. • Summary indicated Credits, but no Credits were submitted. 35.3. Disputing Other Debits and Summary Adjustments. In order to quickly resolve disputed debits and Summary Adjustments,it is extremely important that the items listed in this section be faxed or sent to the address listed on the notification. If the Summary Adjustment is for an unreadable or incorrect Cardholder account number, resubmit the corrected Sales Draft with your next deposit. Also, if the transaction is over thirty (30) calendar days old, you must reauthorize and obtain a valid Authorization Approval Code. A clear and legible copy of the Sales Draft containing the following should be obtained from your files: • Date of sale/Credit; • Cardholder’s account number, name and signature; • Total amount of the sale and description of goods and services; and • Date and Authorization Approval Code. Include a dated cover letter detailing the reasons for requesting a review of the debit or Summary Adjustment and documentation to support your dispute.(You should retain a copy of the correspondence and all documentation for your files.) If the inquiry is related to prior correspondence, be sure to include the control number we previously used. Immediately fax or mail the Sales Draft or Credit Drafts to the fax number or address provided on your notification letter. If you have any questions, please call the Customer Service number provided on the last page of this Program Guide.If a Customer Service Representative informs you that additional documentation is required in order to fully review the item, please immediately submit your rebuttal and transaction documentation to the fax number or address listed on the debit notification. 36. Account Maintenance 36.1. Change of Settlement Account Number. If you change the Settlement Account in which you receive the proceeds of your transactions, you must call Customer Service or your Relationship Manager immediately. If you accept payment types other than Visa,MasterCard,Discover and American Express (such as where you have a direct relationship with American Express and TeleCheck Services), you are also responsible for contacting the Card Organizations or companies governing those Cards to notify them of this change. 36.2. Change in Your Legal Name or Structure. You must call Customer Service or your Relationship Manager and request a new Agreement. 36.3. Change in Company DBA Name, Address or Telephone/ Facsimile Number. To change your company or location DBA name, address (or e­mail address),or telephone/facsimile number,you must send the request in writing to the address on your statement. 36.4. Other Change(s) in Merchant Profile. You must immediately notify us of any changeto theinformation on file with us inyourmerchantprofile,including: (i) any new lines or types of business; (ii) change in ownership; (iii) the opening, closing or liquidation of business or any location; (iv) change in Card processing method (i.e., paper Sales Drafts to POS Device); (v) voluntary or involuntary party to a bankruptcy case; (vi) entry into a loan or other agreement with a third party that seeks to affect this Merchant Agreement;and/or (vii) change from a business that exclusively conducts card­present retail sales to one that accepts Card sales by mail, telephone or Internet transactions. We retain the right to terminate this Agreement if you fail to notify us of any change to the information in your merchant profile. 36.5. Charges for Changes to Account Maintenance. You may be charged for any changes referenced in this section or any other changes requested by you or otherwise necessary related to account maintenance. 37. Card Organization Monitoring MasterCard,Visa and Discover and American Express have established guidelines, merchant monitoring programs and reports to track merchant activity such as, but not limited to excessive Credits, reported fraud and Chargebacks, and increased deposit activity. In the event you exceed the guidelines or engage in practices that could circumvent such monitoring programs or submit suspicious transactions as identified by a Card Organization or any related program or reports,you may be subject to:(i) operating procedure requirement modifications; (ii) incremental Chargebacks and/or increased fees; (iii) settlement delay or withholding; (iv) termination of your Agreement; or (v) audit and imposition of fines. 38. Supplies Placing Orders. • To order additional supplies, call Customer Service when you have two months’inventory left.We will ship you an adequate amount of supplies.The amount of supplies (based on usage) on hand should not exceed a three to six­month supply. • In an EMERGENCY, please contact Customer Service using the number provided on the last page of this Program Guide. If supplies are sent via an express delivery service,the delivery charges will be debited to your account. • You are responsible for unauthorized use of sales/credit and summary Media. We recommended that you store all supplies in a safe location. • You may be charged for supplies and taxes plus applicable shipping and handling charges. 39. Special Provisions for American Express The provisions in this Section 39 apply to American Express Card acceptance and Transactions. 39.1. Card Acceptance. If you elect to accept American Express Cards under the Agreement, You must accept the American Express Card as payment for goods and services sold (other than those goods or service s identified under“Prohibited Uses of the American Express Card” in Section 39.6 below), or (if applicable) for WFB1707GOV REV00 (7/14) 36 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               charitable contributions made, at all of your establishments, except as expressly permitted by applicable law.You are jointly and severally liable for the obligations of your establishments under the Agreement. 39.2. Arbitration Agreement for Claims Involving American Express. In the event that you or we are not able to resolve a Claim this Section 39.2 explains how Claims may be resolved through arbitration.You or we or American Express may elect to resolve any Claim by binding individual arbitration. Claims will be decided by a neutral arbitrator. If arbitration is elected by any party to resolve a Claim, the parties understand and agree that neither you nor we nor American Express will have the right to litigate or have a jury trial on that Claim in court. Further, you, we, and American Express understand and agree that the parties will not have the right to participate in a class action or in a representative capacity or in a group of persons alleged to be similarly situated pertaining to any Claim subject to arbitration under this Agreement. Arbitrator's decisions are final and binding, with very limited review by a court, and once confirmed by a court of competent jurisdiction, an arbitrator's final decision on a Claim is generally enforceable as a court order. Other rights you, we, or American Express would have in court may also not be available in arbitration. i. Initiation of Arbitration. Claims may be referred to either JAMS or AAA, as selected by the party electing arbitration.Claims will be resolved pursuant to this Section 39.2 and the selected arbitration organization’s rules in effect when the Claim is filed,except where those rules conflict with this Agreement.Contact JAMS or AAA to begin an arbitration or for other information.Claims may be referred to another arbitration organization if all parties agree in writing,if [American Express or we, on one hand, selects the organization and you, on the other hand,] select the other within 30 days thereafter or if an arbitrator is appointed pursuant to section 5 of the Federal Arbitration Act, 9 U.S.C. §§ 1­16 (FAA). Any arbitration hearing will take place in New York, NY. ii. Limitations on Arbitration. If any party elects to resolve a Claim by arbitration, that Claim will be arbitrated on an individual basis. No Claim is to be arbitrated on a class or purported representative basis or on behalf of the general public or other persons allegedly similarly situated. The arbitrator’s authority is limited to Claims between you, us, and American Express. An arbitration award and any judgment confirming it will apply only to the specific case brought by you, us or American Express and cannot be used in any other case except to enforce the award as between you, us and American Express. This prohibition is intended to,and does,preclude you from participating in any action by any trade association or other organization against American Express.Notwithstanding any other provision in this Section 39.2, if any portion of these Limitations on Arbitration set forth in this Section 39.2 (ii) is found invalid or unenforceable,then the entire Section 39.2 (other than this sentence) will not apply, except that you, we, and American Express do not waive the right to appeal that decision. iii. Previously Filed Claims/No Waiver. You, we, or American Express may elect to arbitrate any Claim that has been filed in court at any time before trial has begun or final judgment has been entered on the Claim. You, we, or American Express may choose to delay enforcing or to not exercise rights under this Section 39.2, including the right to elect to arbitrate a claim, without waiving the right to exercise or enforce those rights on any other occasion. For the avoidance of any confusion, and not to limit its scope, this Section 39.2 applies to any class­action lawsuit relating to the“Honor All Cards,”“non­discrimination,”or“no steering” provisions of the American Express Merchant Regulations, or any similar provisions of any prior American Express Card acceptance agreement, that was filed against American Express prior to the effective date of the Agreement to the extent that such claims are not already subject to arbitration pursuant to a prior agreement between Merchant and American Express. iv. Arbitrator’s Authority. The arbitrator will have the power and authority to award any relief that would have been available in court and that is authorized under this Agreement. The arbitrator has no power or authority to alter the Agreement or any of its separate provisions, including this Section 39.2. v. Split Proceedings for Equitable Relief. You, we, or American Express may seek equitable relief in aid of arbitration prior to arbitration on the merits if necessary to preserve the status quo pending completion of the arbitration.This Section 39.2 shall be enforced by any court of competent jurisdiction. vi. Small Claims. American Express will not elect arbitration for any Claim you properly file in a small claims court so long as the Claim seeks individual relief only and is pending only in that court. vii. Governing Law/Arbitration Procedures/Entry of Judgment. This Section 39.2 is made pursuant to a transaction involving interstate commerce and is governed by the FAA. The arbitrator shall apply New York law and applicable statutes of limitations and honor claims of privilege recognized by law. The arbitrator shall apply the rules of the arbitration organization selected, as applicable to matters relating to evidence and discovery, not federal or any state rules of procedure or evidence, provided that any party may ask the arbitrator to expand discovery by making a written request, to which the other parties will have 15 days to respond before the arbitrator rules on the request. If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely based on documents submitted to the arbitrator, through a telephonic hearing, or by an in­person hearing under the rules of the selected arbitration organization.At the timely requestofaparty,the arbitrator willprovidea written opinion explaining his/her award. The arbitrator’s decision will be final and binding, except for any rights of appeal provided by the FAA. Judgment on an award rendered by the arbitrator may be entered in any state or federal court in the federal judicial district where your headquarters or your assets are located. viii. Confidentiality. The arbitration proceeding and all information submitted, relating to or presented in connection with or during the proceeding, shall be deemed confidential information not to be disclosed to any person not a party to the arbitration. All communications, whether written or oral, made in the course of or in connection with the Claim and its resolution, by or on behalf of any party or by the arbitrator or a mediator, including any arbitration award or judgment related thereto, are confidential and inadmissible for any purpose, including impeachment or estoppel, in any other litigation or proceeding; provided, however, that evidence shall not be rendered inadmissible or non­discoverable solely as a result of its use in the arbitration. ix. Costs of Arbitration Proceedings. You will be responsible for paying your share of any arbitration fees (including filing,administrative,hearing or other fees), but only up to the amount of the filing fees you would have incurred if you had brought a claim in court. American Express will be responsible for any additional arbitration fees. At your written request, American Express will consider in good faith making a temporary advance of your share of any arbitration fees,or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. x. Additional Arbitration Awards. If the arbitrator rules in your favor against American Express for an amount greater than any final settlement offer American Express made before arbitration,the arbitrator’s award will include:(1) any money to which you are entitled as determined by the arbitrator,but in no case less than $5,000;and (2) any reasonable attorneys’fees,costs and expert and other witness fees incurred by you. xi. Definitions. For purposes of this Section 39.2 only, (i) “American Express” includes its Affiliates, licensees, predecessors, successors, or assigns, any purchasers of any receivables,and all agents,directors,and representatives of any of the foregoing, (ii) “You” includes your Affiliates, licensees, predecessors, successors, or assigns, any purchasers of any receivables and all agents, directors, and representatives of any of the foregoing,and (iii)“Claim”means any allegation of an entitlement to relief,whether damages,injunctive or any other form of relief, against American Express or any other entity (including you or us) that American Express has the right to join,including any allegation involving a transaction using an American Express product or network or regarding an American Express policy or procedure. 39.3. Treatment of the American Express Brand. Except as expressly permitted by applicable law, you must not: • indicate or imply that you prefer, directly or indirectly, any other payment products over the Card, • try to dissuade Cardholders from using the Card, • criticize or mischaracterize the Card or any of American Express’ services or programs, • try to persuade or prompt Cardholders to use any other payment products or any other method of payment (e.g., payment by check), • impose any restrictions, conditions, disadvantages or fees when the Card is accepted that are not imposed equally on all other payment products,except for electronic funds transfer, or cash and check, • suggest or require Cardholders to waive their right to dispute any transaction, • engage in activities that harm the American Express business or the American Express Brand (or both), • promote any other payment products (except your own private label card that you issues for use solely at your establishments) more actively than you promote the Card, or WFB1707GOV REV00 (7/14) 37 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         • convert the currency of the original sale transaction to another currency when requesting Authorization or submitting transactions (or both). You may offer discounts or in­kind incentives from your regular prices for payments in cash, ACH funds transfer, check, Debit Card or Credit Card, provided that (to the extent required by applicable law): (i) you clearly and conspicuously disclose the terms of the discount or in­kind incentive to your customers, (ii) the discount or in­kind incentive is offered to all of your prospective customers, and (iii) the discount or in­kind incentive does not differentiate on the basis of the issuer or, except as expressly permitted by applicable law and Card Organization (e.g.,Visa,MasterCard,Discover,JCB,American Express).The offering of discounts or in­kind incentives in compliance with the terms of this section will not constitute a violation of the provisions set forth in the above section“Treatment of the American Express Brand.” 39.4. Treatment of the American Express Marks. Whenever payment methods are communicated to customers, or when customers ask what payments are accepted, you must indicate your acceptance of the Card and display American Express’ Marks (including any Card application forms provided to you) as prominently and in the same manner as any other payment products.You must not use the American Express Marks in any way that injures or diminishes the goodwill associated with the American Express Marks, nor (without prior written consent from Processor) indicate that American Express endorses your goods or services.You shall only use the American Express Marks as permitted by the Agreement and shall cease using American Express’ Marks upon termination of the Agreement. 39.5. Treatment of American Express Card Member Information. Any and all Cardholder Information is confidential and the sole property of the Issuer, American Express or its Affiliates. Except as otherwise specified, you must not disclose Cardholder Information, nor use nor store it, other than to facilitate transactions at your Establishments in accordance with the Agreement. 39.6. Prohibited Uses of the American Express Card. You must not accept the Card for any of the following: • adult digital content sold via internet electronic delivery, • amounts that do not represent bona fide sales of goods or services (or, if applicable,amounts that do not represent bona fide charitable contributions made) at your establishments.For example,purchases at your establishments by your owners (or their family members) or employees contrived for cash flow purposes, or payments that you have accepted in order to advance cash to Cardholders in connection with the transaction, • amounts that do not represent bona fide, direct sales by your establishment to Cardholders made in the ordinary course of your business, • cash or cash equivalent; for example, purchases of gold, silver, platinum, and palladium bullion and/or bars (collectible coins and jewelry are not prohibited), or virtual currencies that can be exchanged for real currency (loyalty program currencies are not prohibited), • charges that the Cardholder has not specifically approved, • costs or fees over the normal price of the goods or services (plus applicable taxes) that the Cardholder has not specifically approved, • damages, losses, penalties, or fines of any kind, • gambling services (including online gambling), gambling chips, gambling credits, or lottery tickets, • unlawful/illegalactivities,fraudulentbusinesstransactionsorwhenproviding the goods or services is unlawful/illegal (e.g. unlawful/illegal online internet sales of prescription medications or controlled substances; sales of any goods that infringe the rights of a rights­holder under laws applicable to American Express, you, or the Cardholder), • overdue amounts or amounts covering returned, previously dishonored or stop­payment checks (e.g.,where the Card is used as a payment of last resort), • amounts that represent repayment of a cash advance including, but not limited to, payday loans, pawn loans or payday advances, • sales made by third parties or entities conducting business in industries other than yours. • Other items of which American Express or your Processor notifies you. • You must not use the Card to verify a customer's age. 39.7. American Express Transaction Data. The transaction data you collect to facilitate the Charge must be or have been provided directly to you by the Cardholder.You must not accept or have accepted transaction data from,nor shall you provide or have provided transaction data to, any third parties other than your covered parties (as defined in the Data Security Operating Policy (DSOP)). If you fail to comply with this requirement,in addition to other rights and remedies regarding “monitoring”, you may be charged a fee as indicated on the Merchant Processing Application, we may suspend Card acceptance privileges at your establishments, or terminate the Agreement. Where Cardholders pay you using payment or “e­wallet” accounts (which Cardholders may have created by providing Cardholder information when the account was established), the transaction data collected to facilitate the Card Not Present Charge has already been provided directly by the Cardholder. You are not required to have the Cardholder re­enter the transaction data. All information required by American Express evidencing one or more transactions, including information obtained at the point of sale, information obtained or generated during Authorization and Submission, and any Chargeback. 39.8. Treatment of American Express Cardholder Information. You acknowledge that any and all American Express Cardholder information is confidential and the sole property of the Issuer, American Express or any of its Affiliates. Except as otherwise specified in the Agreement, you must not disclose Cardholder information, nor use nor store it, other than to facilitate transactions at your establishments in accordance with the Agreement. 39.9. Disclosure and Use of Data Collected Under Agreement. We may disclose to American Express data and information that you provide on your Application and that we collect as part of performing American Express payment processing services or transaction related services including information about you. American Express may use the information that you provide in the Application at the time of setup to screen and monitor your American Express acceptance, to perform its responsibilities in connection with your American Express Card acceptance to respond to court orders and legal investigations,and to perform analytics and create reports for our and American Express’s internal purposes, and for any other lawful business purposes, including marketing purposes. American Express may otherwise use and share your information for business purposes and as permitted by Applicable Law. American Express uses reasonable administrative, technical and physical security measures to protect Program Merchant information consistent with the sensitivity of the information. 39.9.1. Consent for American Express to Contact You by Phone, eMail, Text or Facsimile. American Express may use the information you provide in the Application (as such information may be updated) to call you or send you communications or materials via email,SMS,text or facsimile regarding American Express products,servicesand resourcesavailable to you.Youconsentand agree to receive autodialed, automated and/or prerecorded calls and communications (which may include SMS or text messages) at the telephone number(s) you have provided. If you provide a fax number, you consent and agree to receiving fax communications from American Express. In connection with the foregoing, you understand that the calls made or communications sent to you by American Express may be subject to charges or fees by your telecommunications or other applicable service provider that are your responsibility to pay. You understand that your consent under this Section 39.9.1 is not a condition of purchasing or receiving any product or service or entering into this Agreement. 39.9.2. Opt­Out: You may opt­out of receiving marketing related commun­ ications and materials from American Express by calling Processor at the Customer Service number indicated in the Program Guide and indicating that you no longer want to receive marketing or other communications from American Express, in which case Processor will disable your American Express acceptance services, and you will no longer be permitted to accept American Express payment cards under the Agreement. 39.10. Conversion to a Direct Relationship with American Express. You acknowledge and agree that upon written notice from us, you will be converted to a direct American Express Card acceptance relationship with American Express if and when the annual American Express Card charges that you submit under this Agreement are greater than $1,000,000.You agree that ,upon conversion,(i) you will be bound by American Express’ then­current Card Acceptance Agreement with respect to American Express Transactions; (ii) American Express will set pricing and other fees payable by you for American Express Card acceptance; and (iii) you will no longer be able to submit American Express Card transactions under thisAgreement,butthisAgreementwillcontinue infullforce and effect with respect to other payments and services you elected to receive on your Application.If you need to receive American Express related services from us after you have been converted to a direct relationship with American Express, then you will need to contact our Customer Service at 1­800­451­5817 to request WFB1707GOV REV00 (7/14) 38 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    that your account be entitled for American Express acceptance and to acknowledge the new pricing terms for our services associated with your direct relationship with American Express. 39.11. Reserved. 39.12. Third Party Beneficiary Rights. American Express is a direct and intended third­party beneficiary of this Agreement, and may enforce any terms of this Agreement that apply to American Express, including American Express Card acceptance and transaction processing, directly against you. 39.13. Your Right to Opt Out of American Express Card Acceptance. You may opt out of accepting American Express Cards at any time without directly or indirectly affecting your rights to accept any other payment products. 39.14. Collections from American Express Cardholder. You may not bill or collect from any American Express Cardholder for any purchase or payment on the American Express Card unless a Chargeback has been exercised, you have fully paid for such Charge, and you otherwise have the right to do so. 39.15. Completing a Transaction at the Point of Sale. All valid transactions begin with a Cardholder’s purchase at the point of sale.Whether the physical Card is used to facilitate a Card present Charge, or the Cardholder provides his or her Cardholder Information over the phone, via mail order, or the internet, the transaction must not be completed without the Card and/or information provided by the Cardholder.To accept the Card for charges at your establishments, at the point of sale, you must: • Clearlyandconspicuously,discloseallmaterialtermsofsalepriortoobtaining an Authorization, and • Clearly and conspicuously inform Cardholders at all points of interaction (e.g., sales conducted in person, over the internet, mobile or via mail or telephone order) what Entity is making the sales offer,so that the Cardholder can clearly distinguish you from any other party involved in the interaction (e.g.,a vendor of goods or provider of services you may engage, or another merchant seeking to conduct business with the Cardholder). The transaction data you collect to facilitate the Charge must be or have been provided directly to you by the Cardholder.You must not accept or have accepted transaction data from,nor shall you provide or have provided transaction data to, any third parties other than your covered parties (as defined in the Data Security Operating Policy (DSOP)). If you fail to comply with this requirement, you may be charged non­compliance or other fees as indicated on the Merchant Processing Application and/or have your Card acceptance privileges at required your establishments suspended or disentitled. 39.16. In Person Charges. In­person charges refer to charges in which the Card and Cardholder are present at the point of sale. An example of this is when a Cardholder presents a Card to the merchant at a retail store. For all in­person charges, the Card must be presented. There are several ways in which you can conduct the in­person Charge.The steps you take vary according to how you go about conducting both types of in­person charges: 39.17. Electronic charges or key­entered charges. When providing proof of delivery,a signature from the Cardholder or an authorized signer of the Card is not required. 39.18. Magnetic Stripe Card Charges. When presented with a Card at the point of sale you must: • Verify that the customer is the Cardholder (Cards are not transferable). • Capture Magnetic Stripe data by swiping the Card (unless the Charge was already initiated by waving the contactless chip Card in close proximity to the point of sale system). • Match the Card number and the expiration date on the Card to the same information on the Sales Draft. • Ensure the name that prints on the Sales Draft matches the name on the front of the Card except when the Cardholder name is not captured on the Sales Draft or for prepaid Cards that do not show a name on their face. • Validate the Card's presence by taking an imprint of the Card (the imprint is for your records). Failure to validate the Card's presence by taking an imprint of the Card can render merchant liable for Chargebacks if the Cardholder disputes the Charge, except when the Cardholder name is not captured on the Sales Draft or for prepaid Cards that do not show a name on their face. 39.19. American Express Mobile Contactless Charges. When presented with a contactless­enabled mobile phone, in addition to the “Magnetic Stripe Card Charges” requirements, you must: • Capture Magnetic Stripe or chip Card data by waving the contactless­enabled mobile phone in close proximity to the contactless reader. • Compare the signature (when obtained) on the Sales Draft with the signature on the companion physical Card or a valid form of formal identification (e.g. driver's license).You must not record or store the information from such formal identification in any way. If a mobile contactless transaction cannot be processed for any reason,you should require that the Cardholder provide the companion physical Card to complete the transaction. 39.20. American Express Contact Chip Charges. When presented with a chip Card to be inserted into a chip Card reader, in addition to the“Magnetic Stripe Card Charges”requirements,you must: • Capture chip Card data by inserting the Card into the chip Card reader, the point of sale system will advise Cardholders to enter their PIN (a chip and PIN Charge) or sign for the Charge (a chip and signature Charge). • Chip and PIN Charges. Cardholders will enter their PIN into the point of sale system using the keypad. If the chip and PIN Charge are unable to be completed due to a technical problem, the point of sale system will show an error message. • Chip and signature Charge. Failure to obtain a signature, when required, can render you liable for Chargebacks if the Cardholder disputes the Charge. Obtaining a signature may not be required if merchant’s establishment and the Charge qualify for the No Signature Program. 39.21. American Express Contactless Chip Charges. When presented with a chip Card to be read via a contactless reader and the Charge qualifies for the No Signature Program,in addition to the“Magnetic Stripe Card Charges”requirements,you must:, • Capture Magnetic Stripe or chip Card data using the contactless reader. For charges that do not qualify under the No Signature Program, follow the relevant Card acceptance procedures outlined in either: • “Magnetic Stripe Card Charges,”or • “Contact Chip Card Charges.” 39.22. American Express Key­Entered Charges. If a Card cannot be read electronically, in addition to the “Magnetic Stripe Card Charges”requirements,you must: • Key enter the data. • Validate the Card’s presence by taking an imprint of the Card (the imprint is for your records). Failure to validate the Card’s presence by taking an imprint of the Card can render you liable for Chargebacks if the Cardholder disputes the Charge. 39.23. Keyed No Imprint for American Express Transactions. • Your establishments may be eligible to participate in the American Express “Keyed No Imprint Program.”The“Keyed No Imprint Program”allows you to submit in­person charges without taking an imprint of the Card if you meet the following Charge criteria: • All Cards qualify for the“Keyed No Imprint Program.” • The Charge must be key­entered. • The Charge Submission must include the appropriate indicator to reflect that the Card and the Cardholder were present at the point of sale. • The Charge Submission must include a valid approval, and; • The CID Number must be confirmed as a positive match. Under the “Keyed No Imprint Program,” Chargebacks will not be exercised for such charges based solely on the establishment’s failure to obtain an imprint of the Card. If a disproportionate amount or numberof disputedcharges under the“Keyed No Imprint Program” occurs, you must cooperate to reduce the number of disputed charges. If such efforts fail, you may be placed in any of American Express’Chargeback programs or your participation in the“Keyed No Imprint Program”may be modified or terminated. 39.24. Merchant Website Information Display Guidelines. • Anaccuratedescriptionofthegoods/servicesoffered,includingthecurrency type for the transaction (e.g.,U.S.Dollars).Transaction currency must be in U.S. Dollars. • Your physical address in the U.S. • An email address and a telephone number for customer service disputes. WFB1707GOV REV00 (7/14) 39 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        • Return/refund policy. giveeachtheirfulleffect.However,ifaconflictisdeemedtoexistbetweenthem, then the provisions of this Section 39.28 shall govern. • A description of your delivery policy (e.g., No COD, No overnight). 39.28.1.Auto dealers. This section applies to merchants classified in an auto practices you use to secure transactions conducted on the internet). • Adescriptionofyoursecuritypractices(e.g.,informationhighlightingsecurity dealer industry. The following requirements will apply to charges for the down payment or the • A statement of known export restrictions, tariffs, and any other regulations. 39.25. Aggregated Charges. If you are classified as an internet industry, you may process aggregated charges, provided the following criteria are met: • Clearly disclose your intent and obtain written consent from the Cardholder that their purchases or refunds (or both) on the Card may be aggregated and combined with other purchases or refunds (or both) before you request an Authorization. • Each individual purchase or refund (or both) that comprises the aggregated Charge must be incurred under the same merchant number and on the same Card. • Obtain a pre­Authorization of no more than $15 • Create a Sales Draft for the full amount of the aggregated Charge. • The amount of the aggregated Charge must not exceed $15 or the amount for which you obtained pre­Authorization. • Submit each Sales Draft within our submission timeframe. • Provide the Cardholder with an email containing the date, amount, and description of each individual purchase or refund (or both) that comprises the aggregated Charge, and the date and the amount of the aggregated Charge. 39.26. American Express Prepaid Card Security Features. Although there are a number of unique prepaid Cards, all prepaid Cards share similarfeatures,except thatPrepaid Cardsmayor maynotbe embossed,andthe following features may appear on the front or back of the Card (or a combination of both): • The American Express logo generally appears in the bottom right corner. • The words PREPAID or INCENTIVE will generally be shown above the American Express logo. • Cards pre­loaded with funds may show the dollar amount or the total points (reloadable Cards generally will not show a number). • The CID Number will appear usually above the Card number or above the logo. • The Card number appears on the Card. • The valid date or expiration date appears on the Card. • The recipient’s name or company name may appear on the Card. 39.27. American Express Processing Prepaid Cards. Prepaid Cards are available for a variety of uses: gifting, travel, incentive, etc. All American Express prepaid Cards show the American Express“Blue Box”logo either on the face or back of the prepaid Card. Prepaid Cards may or may not be embossed. Most prepaid Cards can be used for both in­store and online purchases. Prepaid Cards are valid through the date on the Card. Simply swipe the Card at the point of sale just like any other Card. A prepaid Card must be tendered for an amount that is no greater than the funds available on the Card. • Instruct Cardholders that, before making a purchase, they must check their remaining funds by calling the twenty­four (24) hour, toll­free number on the back of the Card. • Because prepaid Cards are pre­funded, if you receive a decline when seeking Authorization, ask the customer to call the toll­free number on the back of the Card to confirm that the purchase price does not exceed the available funds on the prepaid Card. • If the prepaid Card does not have enough funds to cover the purchase price, process a split tender transaction or request an alternative form of payment. • You must create a Sales Draft for a prepaid Card as you would any other Card. • Be on the lookout for suspect transactions. 39.28. American Express Policies and Procedures for Specific Industries. This Section 39.28 states additional American Express policies and procedures applicable to merchants classified in specific industries. All other provisions and requirements of this Agreement apply to these merchants as well.To the extent possible, the provisions of this Section 39.28 and the other provisions of the Agreement applicable to American Express transactions shall be interpreted to entire purchase price of new and used motor vehicles.You may accept the Card for down payment of a motor vehicle, subject to the following provisions: • You must not submit a Charge for the down payment price of a used motor vehicle unless and until you have a written agreement/bill of sale signed by the Cardholder setting forth the terms of the sale, including down payment price, and your cancellation policy. • In addition to its other Chargeback rights, American Express also has Chargeback rights for any portion of the Charge for the down payment price of a used motor vehicle which is disputed by the Cardholder, if such disputed charge cannot be resolved in your favor based upon unambiguous language contained in the written agreement/bill of sale. • Should a Cardholder exercise his or her right to rescind the written agreement/bill of sale during any rescission period set forth in the Cardholder's agreement with you or at law, you shall submit a Credit to us promptly. • If American Express has classified you as an auto dealer of used motor vehicles exclusively,the down payment must not exceed 50% of the full purchase price of the motor vehicle. • IftheCardholderdeniesmakingorauthorizingtheCharge,AmericanExpress will have Chargeback rights for such Charge in addition to our other Chargeback rights • You may also accept the Card for the entire purchase price of a new or used motor vehicle, subject to the following provisions: ­You are classified as an auto dealer of new or new and used motor vehicles (i.e. Your dealership sells new motor vehicles exclusively or both new and used motor vehicles). ­ The amount of the Charge does not exceed the total price of the motor vehicle after deduction of applicable discounts, taxes, rebates, cash down payments, and trade­in values. ­You must not submit a Charge for the entire purchase price of a new or used motor vehicle unless and until you have a written agreement/bill of sale signed by the Cardholder setting forth the terms of the sale, including purchase price, delivery date and your cancellation policy. ­In addition to other Chargeback rights, American Express also has Chargeback rights for any portion of the Charge for the entire purchase price of a new or used motor vehicle which is disputed by the Cardholder, if such disputed Charge cannot be resolved in your favor based upon unambiguous language contained in the written agreement/bill of sale. ­Should a Cardholder exercise his or her right to rescind the written agreement/bill of sale during any rescission period set forth in the Cardholder’s agreement with you or at law, you shall submit a Credit to us promptly. ­If the Cardholder denies making or authorizing the Charge and you have not transferred title or physical possession of the motor vehicle to the Cardholder,American Express will have Chargeback rights for such Charge in addition to its other Chargeback rights. 39.28.2. Business­to­Business (B2B)/ Wholesale Distribution. If you are classified in the business­to­business (B2B) or wholesale distribution industries, and American Express determines that you are not in the tele­ communications industry, then notwithstanding the prohibition in Section 39.6, “Prohibited Uses of the Card”,you may accept the Card for overdue amounts to the extent that acceptance of overdue amounts is a common practice in your industry and does not constitute an attempt to obtain payment from the Cardholder whose prior methods of payment have, in American Express’ reasonable judgment,beendifficult tocollectoruncollectible.Anindicatorofsuchdifficulty, for example,may be the fact that you have sent a customer account to collections. To minimize your risk of a Chargeback with B2B Charges, always: • Obtain a signature for all in­person charges. For Card Not Present Charges, obtain Proof of Delivery, and • Maintain clear and accurate records of orders and returns. Notwithstanding the restriction in Section 26.6,you must not submit any Charge WFB1707GOV REV00 (7/14) 40 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    until the goods have been shipped or services have been provided to the Cardholder. To the extent that you have clearly disclosed your intentions to the CardholderandtheCardholderagrees,then youmaysubmitthefollowingtypes of Charges to us before you ship the goods to the Cardholder: ­ Charges representing deposits on custom and special orders (so long as you comply with applicable law) or goods not in inventory at the time the order is placed. ­ Charges representing advance, partial, or full payment for goods that the Cardholder requests you to ship at a later date. 39.28.3. Insurance. This section contains provisions specific to establishments that are classified in the insurance industry. American Express undertakes no responsibility on your behalf for the collection or timely remittance of premiums. American Express will not be subject to any liability, under any circumstances, for any claim arising from, or related to, any insurance policy issued by you or your agencies. If the Card is accepted as payment for fixed rate cash value life insurance policies or fixed rate annuities under the Agreement, you represent and warrant to Processor that the fixed rate cash value life insurance policies and fixed rate annuities for which the Card will be accepted for premium payments are not securities requiring registration under the Securities Act of 1933. 39.28.4. Oil/Petroleum. If you are classified in the oil and petroleum industry,American Express may place you in the Fraud Full Recourse Program if you accept charges originating at a Customer Activated Terminal (CAT) gas pump.American Express will not exercise Chargeback up to a certain dollar amount for charges that qualify under the Oil Fraud Protection Program described below. Oil/Petroleum Requirements. If you are classified in the oil and petroleum industry, you must: • Obtain a unique Merchant Account Number for your CAT gas pump sales. If you conduct any other business at your establishment (e.g.,convenience store sales, car washing services), you must obtain a unique Merchant Account Number for those lines of business. • Submit dealer location data along with each Authorization request and each Submission file. Dealer location data consists of your business’: • dealer number (store number) • name • street address • city • postal code Oil/Petroleum Recommendations. American Express has implemented several policies and fraud prevention tools to assist in combating fraud at the gasoline pump. American Express recommends that you: • Set a pre­Authorization request of $100 at your CAT gas pumps. • For higher charges such as diesel, adjust the pre­Authorization amount to accommodate the higher charges. • Set your CAT gas pumps to shut off when they reach the pre­Authorization amount. • Request a separate Authorization for purchases that exceed the original pre­ Authorization amount. Oil Fraud Protection Program. The Oil Fraud Protection Program addresses counterfeit fraud Chargebacks at fuel pump CATs. Under this program, American Express will not exercise Chargeback for the amount of the Charge up to $100 provided that both the establishment and each Charge meet the following criteria: • The Authorization request meets the data requirements listed under CATs. • The Authorization request must include the correct merchant category code (MCC) for“automated fuel dispensers” (5542), • The Issuer determines that the Card used to initiate the Charge was counterfeit, and, • The establishment qualified for Chargeback protection under the program at the time of the Charge, as follows: For an establishment to qualify under the Oil Fraud Protection Program,it (i) must authorize and submit Transactions under the unique Merchant Account Number (Seller ID) assigned to the establishment, and (ii) must have, in a given month, a counterfeit fraud to Charge volume ratio below 1%. An establishment whose counterfeit fraud to Charge volume ratio rises to or exceeds 1% in a given month will not qualify under the Oil Fraud Protection Program until the ratio falls below 1% for three (3) consecutive months.Notwithstanding the foregoing,the Oil Fraud Protection Program does not apply to merchants that submit one Merchant Account Number (Seller ID) consolidated charges from multiple establishments (i.e.,central submitters) or to the establishments that those merchants submit on behalf of. American Express offers a variety of fraud prevention tools which may enable merchants to reduce fraud in order to qualify and retain eligibility for the program. If you are classified in the restaurant or bar industry, then the following Authorizationproceduresapply.Ifthe finalrestaurantorbarChargeisnogreater than the amount for which you obtained Authorization plus 20% of that amount, no further Authorization is necessary.If the final restaurant or bar Charge is greater than the amount for which you obtained Authorization by more than 20%, you must obtain Authorization for any additional amount of the Charge that is greater than the original Authorization. When submitting the Charge, only include the initial approval. 39.28.5. Restaurants. If you are classified in the restaurant or bar industry, then the following Authorizationproceduresapply.Ifthe finalrestaurantorbarChargeisnogreater than the amount for which you obtained Authorization plus 20% of that amount, no further Authorization is necessary.If the final restaurant or bar Charge is greater than the amount for which you obtained Authorization by more than 20%, you must obtain Authorization for any additional amount of the Charge that is greater than the original Authorization. When submitting the Charge, only include the initial approval. 39.28.6. Telecommunications. If American Express classifies you in the Telecommunications industry, notwithstanding anything to the contrary in the Agreement, American Express may place you in one or more of the following Chargeback programs: Partial Immediate Chargeback Program for an amount of $50 or less;or Fraud Full Recourse Program ­ American Express may establish audit procedures determined in American Express’ discretion to ensure that no charges except for recurring billing charges are submitted under the Merchant Account Number designated for recurring billing charges. 39.28.7. Government/Utilities/Education. This section applies to merchants classified in the government, utilities, or certain education industries (i.e.higher education,private school ­kindergarten to grade 12). Customers should feel free to use all forms of payment that you accept without being penalized for choosing a particular form of payment.To promote consumer choice,you are generally prohibited from imposing any restrictions,conditions,or disadvantages when the Card is accepted that are not imposed equally on all other payment products.See“Treatment of the American Express Brand”. Merchants in these specific industries may assess convenience fees on charges, provided that they comply with the other requirements of this section,as follows: • Merchants must not impose a higher convenience fee on charges than it imposes on other payment products, except for Automated Clearing House funds transfers, cash, and checks. • Merchants classified as government Entities, including government utilities, and privately owned utilities may assess convenience fees on all Charges. • Merchants classified as educational institutions may assess convenience fees only on charges for tuition, room and board, school lunch payments or other mandatory fees. • You must clearly disclose the amount of convenience fees to the customer and give the customer the opportunity to cancel the Charge if the customer does not want to pay the convenience fee. Any explanation, verbal or written, describing why the convenience fee is being assessed, or how it is calculated, must characterize the convenience fee as an assessment to cover your administrative costs and not as an assessment to cover your cost of accepting the Card. You must obtain separate Authorizations and Approval codes for each of the principal charges and the convenience fee. Furthermore, the descriptor on the convenience fee must clearly state that it is a convenience fee (e.g., Official WFB1707GOV REV00 (7/14) 41 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Payments – City of X (principal payment) and Official Payments Convenience Fee (convenience fee)). Your third­party service provider can only assess a convenience fee when it accepts the Card for the foregoing charges in compliance with the requirements of this section. 39.28.8. Internet/Online Pharmacies. If it is determined that you are an internet/online pharmacy merchant that accepts the Card for sales of prescription medications (as defined by applicable law) in the Card Not Present environment: • You must be certified by the Verified Internet Pharmacy Practice Sites program of the National Association of Boards of Pharmacy (www.nabp.net), or, • You or your authorized representative must attest that you comply with the licensing and inspection requirements of (i) U.S. federal law and the state in which you are located and (ii) each state to which you dispense pharmaceuticals. Upon request, you must promptly provide documentation that you fulfill the foregoing requirements. Failure to provide this documentation promptly may result in suspension or disentitlement of Card acceptance privileges. Specific procedures exist for transaction processing by internet/online merchants. Online/mail order tobacco retail. If you are classified or it is otherwise determined that you are an online or mail order (or both) tobacco or e­cigarette merchant, then you must provide the website address of the online store from which you sell your tobacco products. If your website facilitates tobacco sales, you will be required on request to provide an executed and notarized Affidavit of Compliance with Laws ­Online/Mail Order Tobacco. If you fail to complete the Affidavit, Card acceptance privileges may be suspended. American Express may monitor your website. 39.29. American Express­Excessive Disputes. You may be subject to various fees and assessments as set forth on the Application including fees for excessive disputes. Some fees and assessments are for special products or services, while others may be applied based upon non­compliance of American Express policies and procedures. Many non­compliance fees and assessments can be avoided by correcting the actions that are causing such non­compliance. 39.30. American Express Right to Modify or Terminate Agreement. American Express has the right to modify the Agreement with respect to American Express Card transactions or to terminate your acceptance of American Express Card transactions and to require Processor to investigate your activities with respect to American Express Card transactions. 39.31. Acceptance Procedures for American Express Travelers and Gift Cheques. Procedures for accepting American Express Travelers and Gift Cheques: • Watch Merchant’s customer countersign in the lower left corner of the cheque, and compare the countersignature to the signature in the upper left corner for American Express Travelers Cheques and Gift Cheques. For Cheques for Two, the customer's countersignature must match either one of the two signatures on top. • Obtain authorization ­ American Express recommends obtaining an author­ ization to reduce the chances of accepting fraudulent cheques. American Express offers a variety of authorization tools. Obtain online authorization at www.americanexpress.com/verifyamextc. 40. Glossary As used in this Program Guide, the following terms mean as follows: Acquirer: Bank in the case of MasterCard, Visa and certain debit transactions or Processor in the case of Discover transactions that acquire Card sale transactions from merchants such as yourself. Address Verification: A service provided through which the merchant verifies the Cardholder’s address, in whole or in part. Primarily used by Mail / Telephone/Internet order merchants. Address verification is intended to deter fraudulent transactions, however, an AVS match does not guarantee that a transaction is valid. An AVS request should generally be submitted with an authorization request. The AVS response, if available, however will not impact whether any associated authorization request is approved or denied.You may be charged an AVS fee for any AVS request you submit even if we are not able to provide a response to the request. Affiliate: ”Affiliate” of a Person means another Person that, directly or indirectly, (i) owns or controls such Person or (ii) is under common ownership or control with such Person. Agreement: The Agreements among Client,Processor and Bank contained in the Application, the Program Guide and the Schedules thereto and documents incorporated therein, each as amended from time to time, which collectively constitute the Agreement among the parties. Annualized Sales Volume: Annualized Sales Volume is the greater of (1) the sum of the monthly Sales Volume since the account was activated, divided by the number of months the account has been active, and then multiplied by twelve (12), or (2) the estimated annual Sales Volume listed in the Agreement. An active account is defined as an account having a Sales Volume of fifty dollars ($50.00) or greater for that month. If the Client has three months or less of Sales Volume, the “AnnualizedSalesVolume”is theestimatedannualSalesVolumeprovidedbythe Client in the Agreement. Application: See Merchant Processing Application. Authorization: Approval by, or on behalf of, the Card Issuer to validate a transaction. An authorization indicates only the availability of the Cardholder’s Credit Limit or funds at the time the Authorization is requested.An Authorization Fee (see Fee Schedule) can be charged for each Authorization,whether approved or declined. Authorization Approval Code: A number issued to a participating merchant by the Authorization Center which confirms the authorization for a sale or service. Authorization and Capture: Refers to the communication of instructions from your POS device or other systems to our computer systems, whether the communications are for authorization requests or any other capture of information. If your Service fee Schedule reflects an authorization and capture fee it may be applied to each communication you transmit to us. Authorization Center: A department that electronically communicates a merchant’s request for authorization on Credit Card transactions to the Cardholder’s bank and transmits such authorization to the merchant via electronic equipment or by voice authorization. Authorization /EDC Fees: A fee that applies to all Visa, MasterCard and Discover Card approvals (pre­authorizations, authorizations & authorization reversals), denials,batch inquiries,and batch entry transactions and includes any transaction fees and capture fees. Bank: The bank identified on the Application signed by you. Bankruptcy Code: Title 11 of the United States Code, as amended from time to time. Batch: A single Submission to us of a group of transactions (sales and credits) for settlement. A Batch usually represents a day’s worth of transactions. Business Day: Monday through Friday, excluding Bank holidays. Buyer Initiated Payment (BIP): A payment that occurs when a cardholding business approves an invoice (or invoices) and submits an electronic payment instruction causing funds to be deposited directly into a their supplier’s merchant account. Card: Means a Credit Card and/or a Debit Card. Cardholder: Means the Person whose name is embossed on a Card and any authorized user of such Card, including the Person that has entered into an agreement establishing a Card account with an Issuer.The words“Card Member” refer to Cardholder. WFB1707GOV REV00 (7/14) 42 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Card Not Present Sale/Transaction: A Transaction that occurs when the Card in not present at the point­of­sale, including Internet, mail­order and telephone­ order Card sales. Card Organization: Any entity formed to administer and promote Cards, including without limitation MasterCard Worldwide (“MasterCard”), Visa U.S.A., Inc.(“Visa”), DFS Services LLC (“Discover”), American Express and any applicable debit networks. Card Organization Rules: The rules, regulations, releases, interpretations and other requirements (whether contractual or otherwise) imposed or adopted by any Card Organization and related authorities,including without limitation,those of the PCI Security Standards Council, LLC and the National Automated Clearing House Association (including, with respect to EBTs, the Quest Operating Rules). Card Validation Codes: A three­digit value printed in the signature panel of most Cards and a four­digit value printed in the front of an American Express Card.Visa’s Card Validation Code is known as CVV2; MasterCard’s Card Validation Code is known as CVC2;the Card Validation Codes for Discover and American Express are known as a Card Identification Numbers (CID). Card Validation Codes are used to deter fraudulent use of an account number in a non­face­to­face environment, (e.g., mail orders, telephone orders and Internet orders). Card Verification Value (CVV) / Card Validation Code (CVC)/ Card Identification Data (CID): A unique value encoded on the Magnetic Stripe of a Card used to validate Card information during the Authorization process. Cardholder Verification Method (CVM): A method used to confirm the identity of a Cardholder and to signify Cardholder acceptance of a transaction, such as signature, Offline PIN, and Online PIN. Cash Benefits: An EBT account maintained by an Issuer that represents pre­ funded or day­of­draw benefits, or both, administered by one or more govern­ ment entities, and for which the Issuer has agreed to provide access under the EBT program.Multiple benefits may be combined in a single cash benefit account. Cash Over Transaction: Dispensing of cash by a merchant in connection with a Card sale, other than a PIN Debit Card transaction, for the purchase of goods or services. Charge or Charges: The total price, including all applicable taxes and gratuities, for the purchase of goods or services at a merchant for which a Cardholder has signed a Sales Draft or otherwise indicated intent to pay with a Card. Chargeback: A Card transaction (or disputed portion) that is returned to us by the Issuer. Client is responsible for payment to us for all Chargebacks. Check Warranty: A service provided through a merchant’s POS equipment which guarantees payment up to a defined limit,provided the merchant follows proper steps in accepting the check. Check Verification: A service provided in which a merchant accesses a national negative file database through its terminal/register to verify or authorize that a person has no outstanding bad check complaints at any of the member merchants.This is not a guarantee of payment to the merchant. Claim: Means any claim (including initial claims, counterclaims, cross­claims, and third party claims), dispute, or controversy between you and us arising from or relating to the Agreement or prior Card acceptance agreements, or the relation­ ship resulting therefrom, whether based in contract, tort (including negligence, strict liability, fraud, or otherwise), statutes, regulations, or any other theory, including any question relating to the existence, validity, performance, con­ struction, interpretation, enforcement, or termination of the Agreement or prior Card acceptance agreements or the relationship resulting therefrom. Client: The party identified as“Client”on the Application.The words“Subscriber,” “you,” “your” and “Customer” refer to Client. Also, sometimes referred to as “Merchant.” Credit: A refund or price adjustment given for a previous purchase transaction. Credit Card: A device bearing a valid Organization Mark of Visa, MasterCard, Discover or American Express and authorizing the Cardholder to buy goods or services on Credit and, to the extent the Schedules so provide, a valid device authorizing the Cardholder to buy goods or services on Credit and issued by any other Card Organizations specified on such Schedules. Credit Draft: A document evidencing the return of merchandise by a Cardholder to a Client, or other refund or price adjustment made by the Client to the Cardholder, whether electronic, paper or some other form, all of which must conform to Card Organization Rules and applicable law. Credit Limit: The credit line set by the Issuer for the Cardholder’s Credit Card account. Customer Activated Terminal (CAT): A Magnetic Stripe terminal or chip­reading device (such as an automatic dispensing machine, Limited Amount Terminal, or Self­Service) that is not an ATM. Debit Card: Means a PIN Debit Card and/or a Non­PIN Debit Card. Dial­Up Terminal: An Authorization device which, like a telephone, dials an Authorization Center for validation of transactions. Discount Rate: A percentage rate charged to merchants, as applicable, for processing Card transactions. Electronic Benefit Transfer (EBT): An Electronic Benefits Transfer system used to deliver certaingovernment delivered benefits,including without limitationCash Benefits and FNS, SNAP and WIC Benefits, to EBT customers. Electronic Draft Capture (EDC): A process which allows a merchant’s Dial­Up Terminal to receive Authorization and capture transactions, and electronically transmit them to the Processor. This eliminates the need to submit paper for processing. EMV: Developed by Europay, MasterCard, and Visa. It is the global standard for chip based payments. Entity: Means a corporation, partnership, sole proprietorship, trust, association, or any other legally recognized entity or organization. Factoring: The submission of authorization requests and/or Sales Drafts by a merchant for Card sales or cash advances transacted by another business. Factoring is prohibited. General Terms: Section of the Program Guide, including any amendments or modifications. Gross: When referred to in connection with transaction amounts or fees,refers to the total amount of Card sales, without set­off for any refunds or Credits. Imprinter: A manual or electric machine used to physically imprint the merchant’s name and ID number as well as the Cardholder’s name and Card number on Sales Drafts. Issuer: The financial institution or Card Organization (or other Entity authorized by a Card Organization) which has issued a Card to a Person. Limited Amount Terminal: A customer Activated Terminal that has data capture only capability, and accepts payment for items such as parking garage fees, road tolls, motion picture theater entrance, or magnetic stripe telephones. Magnetic Stripe: A stripe of magnetic information affixed to the back of a plastic Credit or Debit Card. The Magnetic Stripe contains essential Cardholder and account information. Marks: Names, logos, emblems, brands, service marks, trademarks, trade names, tag lines or other proprietary designations. Media: The documentation of monetary transactions (i.e., Sales Drafts, Credit Drafts, computer printouts, etc.) Merchant Account Number: A number that numerically identifies each merchant location,outlet,orline of business to the Processor for accounting and billing purposes. Merchant Identification Card: A plastic embossed card supplied to each merchant to be used for imprinting information to be submitted with each batch of paper Sales Drafts. Embossed data includes Merchant Account Number, name and sometimes merchant ID code and terminal number. Merchant Processing Application (“MPA”): The Merchant Processing Application and Agreement executed by Client, which is one of the documents comprising the Agreement. Merchant Provider: Any Person engaged by you to provide services to you involving or relating to (i) access to Cardholder data, transaction data or information related to either Cardholder data or transaction data or (ii) PIN encryption,including without limitation,Encryption Service Organizations (ESOs). Non­Bank Services: Products and/or Services for which Bank is not responsible, or a party to, including American Express, PIN Debit Card, and Electronic Benefits Transfer Trans actions, Telecheck Check Services, Gift Card Services and Transactions involving Cards from other Non­Bank Card Organizations, such as Voyager Fleet Systems,Inc.,WEX,Inc.and WEX Bank,Discover,Leasing,TransArmor, Fraud Services, Wireless, Global Gateway e4 Services, and other items as may be indicated in this Program Guide. WFB1707GOV REV00 (7/14) 43 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Non­PIN Debit Card: A device with either a Visa, MasterCard or Discover Mark that is tied to a Cardholder’s bank account or a prepaid account and which is processed without the use of a PIN. Non­Qualified Interchange Fee: The difference between the interchange fee associated with the anticipated interchange program and the interchange fee associated with the more costly interchange program at which the transaction actually was processed. Non­Qualified Surcharge: A surcharge applied to any transaction that fails to qualify for the anticipated interchange program and is therefore downgraded to a more costly interchange level. The Non­Qualified Surcharge (the amount of which is set forth on the Service Fee Schedule) is in addition to the Non­Qualified Interchange Fee, which is also your responsibility (see above and Section 5.1). Operating Procedures: The information prepared by Processor, containing operational procedures, instructions and other directives relating to Card transactions. The current Operating Procedures are set forth in Part B of the Program Guide. PAN Truncation: A procedure by which a Cardholder’s copy of a Sales Draft or Credit Draft, or as required by applicable law, the Sales Draft or Credit Draft that you retain, will only reflect the last four digits of the Card account number. Person: A third party individual or Entity,other than the Client,Processor or Bank. PIN: A Personal Identification Number entered by the Cardholder to submit a PIN Debit Card transaction. PIN Debit Card: A device bearing the Marks of ATM networks (such as NYCE,Star) used at a merchant location by means of a Cardholder­entered PIN in the merchant PIN Pad. PIN Debit Sponsor Banks: The PIN Debit Sponsor Bank(s) identified on the Application signed by you that is/ are the sponsoring or acquiring bank(s) for certain PIN Debit networks. PINless Transaction: A Debit Card transaction that a merchant submits to us for settlement/funding transactions with neither a PIN nor Signature. Point of Sale (POS) Terminal: A device placed in a merchant location which is connected to the Processor’s system via telephone lines and is designed to authorize, record and transmit settlement data by electronic means for all sales transactions with Processor. Processor: The entity identified on the Application (other than the Bank) which provides certain services under the Agreement. Program Guide (also known as the Merchant Services Program Terms and Conditions: The booklet which contains Operating Procedures, General Terms, Third Party Agreements, and Confirmation Page, which, together with the Application and the Schedules thereto and documents incorporated therein, constitute your Agreement with Processor and Bank. Recurring Payment Indicator: A value used to identify transactions for which a Cardholder provides permission to a merchant to bill the Cardholder’s Card account at either a predetermined interval or as agreed by the Cardholder for recurring goods or services. Referral: A message received from an Issuer when an attempt for Authorization requires a call to the Voice Authorization Center or Voice Response Unit (VRU). Reserve Account: An account established and funded at our request or on behalf, pursuant to Section 11 of the Agreement. Resubmission: A transaction that the merchant originally processed as a Store and Forward transaction but received a soft denial from the respective debit network or Card Organization.The Resubmission transaction allows the merchant to attempt to obtain an approval for the soft denial,in which case Client assumes the risk that the transaction fails. Retrieval Request/Transaction Documentation Request: A request for documentation related to a Card transaction such as a copy of a Sales Draft or other transaction source documents. Revenue: Total Fees for Services minus the amount of interchange, assessments and other pass through fees paid by you and passed through to payment networks by us. Total fees for Services includes Credit Card and Non­PIN Debit processing fees, PIN debit, non­bank, chargeback and other fees listed in the Pricing Terms. Sales/Credit Summary: The identifying form used by a paper Submission merchant to indicate a Batch of Sales Drafts and Credit Drafts (usually one day’s work). Not a Batch header, which is used by electronic merchants. Sales Draft: Evidence of a purchase, rental or lease of goods or Services by a Cardholder from, and other payments to, Client using a Card, including preauthorized orders and recurring transactions (unless the context requires otherwise); regardless of whether the form of such evidence is in paper or electronic form or otherwise, all of which must conform to Card Organization Rules and applicable law. Sales Volume: The total combined amount of Credit Card, PIN Debit and Non­ PIN Debit (MasterCard, Visa, Discover and American Express) payment transactions processed by us minus any amounts attributable to returned items. Schedules: The attachments,addenda and other documents,including revisions thereto, which may be incorporated into and made part of this Agreement concurrently with or after the date of this Agreement. Self Service Terminals: A Customer Activated Terminal that accepts payment of goods or services such as prepaid cards or video rental, has electronic capability, and does not accept PIN’s. Servicers: Bank and Processor collectively.The words “we,”“us”and “our”refer to Servicers, unless otherwise indicated in this Program Guide. Services: The activities undertaken by Processor and/or Bank, as applicable to authorize, process and settle all United States Dollar denominated Visa, MasterCard, Discover and American Express transactions undertaken by Cardholders at Client’s location(s) in the United States, and all other activities necessary for Processor and Bank to perform the functions required by this Agreement for all other Cards covered by this Agreement. For the avoidance of doubt,and without limiting the foregoing,“Services”shall include any ancillary products or services provided to You by Processor and/or Bank in connection with this Agreement to the extent such products or services are not provided to you pursuant to a separate agreement with Processor and/or Bank. Settlement Account: An account or account (s) at a financial institution designated by Client as the account to be debited and credited by Processor or Bank for Card transactions, fees, chargebacks and other amounts due under the Agreement or in connection with the Agreement. Split Dial: A process which allows the authorization terminal to dial directly to different Card Processors (e.g., American Express) for Authorization. In this instance,the merchant cannot be both EDC and Split Dial.Split Dial is also utilized for Check Guarantee companies. Split Dial/Capture: Process which allows the Authorization terminal to dial directly to different Card processors (e.g.,American Express) for Authorization and Electronic Draft Capture. Store and Forward: A transaction that has been authorized by a merchant when the merchant cannot obtain an authorization while the customer is present, typically due to a communications failure.The merchant will store the transaction electronically in their host system and retransmit the transaction when communications have been restored. Submission: The process of sending Batch deposits to Processor for processing. This may be done electronically or by mail. Summary Adjustment: An adjustment to your Submission and / or Settlement Accounts in order to correct errors. (See Sections 35.3 and 35.4.) Telecommunication Card Sales: Individual local or long distance telephone calls, for which the telephone service provider is paid directly by use of a Card. These do not include, however, calls paid for with pre­paid telephone service cards. Telecommunication Card Sales are considered Card Not Present Sales. Transaction Fees: Service costs charged to a merchant on a per transaction basis. Us,We and Our: See Servicers. You,Your: See Client. WFB1707GOV REV00 (7/14) 44 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   4 1 . A D D I T I O N A L I M P O R TA N T I N F O R M AT I O N P E R TA I N I N G TO T H I S E N T I R E AG R E E M E N T 41.1. Elec tronic Funding Authorization All payments to Client shall be through the Automated Clearing House (“ACH”) and shall normally be electronically transmitted directly to the Settlement Account you have designated or any successor account designated to receive provisional funding of Client’s Card sales pursuant to the Agreement.Client agrees that any Settlement Account designated pursuant to the preceding sentence will be an account primarily used for business purposes. Neither Wells Fargo Bank, N.A. (“Wells Fargo Bank”) nor Wells Fargo Merchant Services, L.L.C. can guarantee the timeframe in which payment may be credited by Client’s financial institution where the Settlement Account is maintained. Client hereby authorizes Wells Fargo Bank and its authorized representative, including Wells Fargo Merchant Services, L.L.C., to access information from the Settlement Account and to initiate credit and/or debit entries by bankwire or ACH transfer and to authorize your financial institution to block or to initiate, if necessary,reversing entriesandadjustmentsfor anyoriginalentriesmadetothe Settlement Account and to authorize your financial institution to provide such access and to credit and/or debit or to block the same to such account. This authorization is without respect to the source of any funds in the Settlement Account,is irrevocable and coupled with an interest.This authority extends to any equipment rental or purchase agreements which may exist with Client as well as to any fees and assessments and Chargeback amounts of whatever kind or nature due to Wells Fargo Merchant Services, L.L.C. or Wells Fargo Bank under terms of this Agreement whether arising during or after termination of the Agreement. This authority is to remain in full force and effect at all times unless and until Wells Fargo Merchant Services, L.L.C. and Wells Fargo Bank have consented to its termination at such time and in such a manner as to afford them a reasonable opportunity to act on it.In addition,Client shall be charged ten dollars ($10.00) for each ACH which cannot be processed, and all subsequent funding may be suspended until Client either (i) notifies Wells Fargo Merchant Services,L.L.C.that ACH’s can be processed or (ii) a new electronic funding agreement is signed by Client. Client’s Settlement Account must be able to process or accept electronic transfers via ACH. 4 1 . 2 . Fu n d i n g Ac k n ow l e d g e m e n t Au t o m a t e d C l e a r i n g H o u s e (AC H ) . Automated Clearing House (ACH). I acknowledge that the funds for MasterCard, Visa and Discover transactions will be processed and transferred to my Settlement Account within two (2) Business Days from the time a Batch is closed (by 12:00 a.m. PT) and within one (1) Business Day from the time the Batch is closed (by 12:00 a.m. PT) if such account is a Wells Fargo Settlement Account. The ACH transactions will appear on your statement as“Merchant Bnkcd”. 41.3. Additional Fees and Early Termination The fees for Services as shown on your pricing disclosure are based on the assumption that your Credit Card and Non­PIN Debit transactions will qualify at the anticipated interchange programs associated with your account. If a transaction fails to qualify for your anticipated interchange programs,you will be billed a Non­Qualified Interchange Fee, plus a Non­Qualified Surcharge for each such non­qualifying transaction (see Section 5.1 and Glossary). Your initial fees for Services are stated on your Application and may be adjusted from time to time to reflect: a. Any increases or decreases in the interchange and/or assessment portion of the fees, b. The appropriate interchange level as is consistent with the qualifying criteria of each transaction submitted by Client, and c. Increases in any applicable sales or telecommunications charges or taxes levied by any state, federal or local authority related to the delivery of the services provided by Wells Fargo Merchant Services,L.L.C.when such costs are included in the Service or other fixed fees. In addition to the Debit Card transaction fees set forth on the Application, Client shall be responsible for the amount of any fees imposed upon a transaction by the applicable debit network. A Monthly Minimum Processing Fee will be calculated beginning thirty (30) days after the date Client’s Application is approved. (Refer to your pricing disclosures.) Authorization Fees are charges that apply each time you communicate directly with Processor. Authorization /EDC Fee applies to all Visa, MasterCard and Discover Card approvals (pre­authorizations,authorizations and authorization reversals),denials, batch inquiries, and batch entry transactions and includes any transaction fees and capture fees. An equipment rental fee will be charged each month for each piece of equipment rented, plus tax as applicable. Client will be charged for actual shipping fees for equipment and cost of supplies. The parties further agree and acknowledge that, in addition to any remedies contained herein or otherwise available under applicable law,if (a) Client breaches this Agreement by improperly terminating it prior to the expiration of the applicable term of the Agreement, or (b) this Agreement is terminated prior to the expiration of the applicable term of the Agreement due to an Event of Default, then SERVICERS will suffer a substantial injury that is difficult or impossible to accurately estimate.Accordingly,in an effort to liquidate in advance the sum that should represent such damages, the parties have agreed that the amount calculated in the manner specified below (the “Early Termination Fee”) is a reasonable pre­estimate of SERVICERS’ probable loss. The Early Termination Fee shall be paid to SERVICERS within 15 days after Client’s receipt of SERVICERS’ calculation of the amount due. The amount of the Early Termination Fee will be calculated as follows: (i) If the Client’s total Sales Volume for the preceding 12 months* is less than One Million Dollars ($1,000,000) and the termination occurs during the initial term, then the Early Termination Fee is Five Hundred Dollars ($500.00) per location; or (ii) If the Client’s total Sales Volume for the preceding 12 months* is greater than or equal to One Million Dollars ($1,000,000) and the termination occurs during the initial term or any renewal term,then the Early Termination fee is Five Hundred Dollars ($500.00) per location plus six (6) times the highest amount of Revenue in any single calendar month during the initial term or any renewal term. * If you have been processing with us for less than 12 months, the early termination fee shall be calculated based on“Annualized SalesVolume”in lieu of “Sales Volume.” Client’s obligation with respect to any Monthly Minimum Processing Fee will end when SERVICERS receive the aforementioned Early Termination Fee. 41.4. Addresses for Notices PROCESSOR: Important Phone Numbers: Wells Fargo Merchant Services, L.L.C.: (see also Sections 28.3 and 30.4) 1307 Walt Whitman Road Customer Service Melville, NY 11747 1­800­451­5817 press 1 Attn: Sales Manager MasterCard/Visa/Discover BANK: Authorization Center: Wells Fargo Bank: 1­800­626­4480 1200 Montego, Building C Walnut Creek, CA 94598 POS Help Desk: 1­800­622­0842 Attn: Merchant Services (925) 746­4143 If this application for business credit is denied you may obtain a written statement of the specific reasons for the denial. To obtain the statement, please contact Credit Initiation,1307 Walt Whitman Road,Melville,NY 11747,1­800­767­2484 ext. 32900, within sixty (60) days from the date you are notified of our decision. We will send you a written statement of reasons for the denial within thirty (30) days of receiving your request. WFB1707GOV REV00 (7/14) 45 Contract 5955 Exhibit C DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Wells Fargo Merchant Services, L.L.C.- ("WFMS") - Pricing Terms City of Denton Assumptions Credit Card Volume $62,313,000 Average Transaction Size $26 Number of Locations 48 Anticipated Interchange 10 Levels Public Sector: 032 020/038/307 MOTO w/ AVS (CNP): 003 011/034/314 Retail: 001 009/023/310 Utility: 024 048/053/324 Internet: 020 089/077/317 MCC Code Various - Refer to "Additional Notes" Section of Pricing Terms MCC Description Various - Refer to "Additional Notes" Section of Pricing Terms American Express® Industry Type N/A Communications Method line charges quoted separately Frame Relay / IPN Gateway Other Gateway - Direct Bill to Client Pricing Option Interchange + Assessments + Access fees + Rate + Authorizations Credit Card Processing Fees 1 Interchange Plus the Following Fees: 0.015%On Gross Visa®, MasterCard®, Discover® Network Card and American Express Sales $0.015 On each Authorization/EDC attempt (as defined below) 3 $0.0018 VI Base II System File Fee $0.0018 MC Access Fee Assessed on each gross sales transaction PIN Debit & Electronic Benefits Transfer (EBT) Processing Fees $0.015 Per PIN Debit Transaction (applies to completed and declined transactions) EBT NOT ENTITLED Applicable PIN Debit Network, Switch, Service and Administrative fees are passed through on all PIN Debit transactions (completed and declined). Applicable PIN Debit Network Interchange fees are passed through on completed PIN Debit transactions only. Applicable Fee Schedules: 9 Payment Networks Qualification Matrix https://www.wellsfargo.com/biz/creditinterchangeplus Payment Networks Pass-Through Fees https://www.wellsfargo.com/biz/merchantpassthroughfees Wells Fargo Fixed Acquirer Network Fee for Visa® Accepting Merchants https://www.wellsfargo.com/visanetworkfee PIN Debit Networks Fee Schedule (if applicable) https://www.wellsfargo.com/biz/merchantdebitfees Other Processing Fees Set-Up Fee (Applies Wells Fargo Mobile Merchant EMV)25.00$ one time fee per location Monthly Minimum Processing Fee 8 -$ per month Chargeback Fee 2 5.00$ per chargeback Monthly Service Fee (per location applies Wells Fargo Mobile Merchant EMV))5.00$ per month Statement Billing Fee (Paper Statement) 6 -$ per month Voice Authorization Fee 0.50$ per attempt Annual Fee -$ per location Authorization/EDC Fee - Visa (Credit and Non-PIN Debit) 3 0.015$ per attempt Authorization/EDC Fee - MasterCard® (Credit and Non-PIN Debit) 3 0.015$ per attempt Authorization/EDC Fee - Discover Network Card (Credit) 3 0.015$ per attempt Authorization/EDC Fee - American Express (Credit and Prepaid) 3 N/A per attempt N/A on gross sales volume Electronic Address Verification Service Fee 0.01$ per attempt Voice (Manual) Address Verification Fee 2.00$ per attempt Annual Compliance Support Fee 4 -$ per location PCI Compliance Service Program Fee 7 -$ per month, per location Non-validation PCI Compliance Fee 7 25.00$ per month, per location Equipment Installation Fee -$ one time fee Foreign Handling Fee (on Visa/MasterCard foreign card transactions)0.10%on foreign card sales Merchant Initials __________ Proposal Date: 06/01/16 eReceivables Consultant: Chichi Ogbuagu Fee schedules are updated periodically. To obtain the current applicable fee schedules, please refer to the URLs above for more information. If you do not have internet access, please contact your Merchant Card Representative and request that a copy of the applicable fee schedules be mailed or faxed to you. As noted in your Merchant Agreement, Payment Networks change their rates/fees from time to time. They are likely to revise rates/fees on 10/15/2016. Assessed on all Visa transactions, including sales, returns, reversals, chargebacks, and reversed chargebacks This fee is also disclosed on the Payment Networks Pass-Through Fees schedule (see Applicable Fee Schedules below). To learn more about impacts to fee schedules resulting from Payment Network changes, please visit the URLs above or request an updated schedule. Interchange Clearing Fee 11 Applies to Visa, Mastercard, Discover Network Card (Credit) and American Express (Credit and WFB1707 6/8/2016; 5:01 PM Page 1 of 4 5955-D Contract 5955 Exhibit D DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Wells Fargo Merchant Services, L.L.C.- ("WFMS") - Pricing Terms City of Denton Assumptions Credit Card Volume $62,313,000 Average Transaction Size $26 Number of Locations 48 Anticipated Interchange 10 Levels Public Sector: 032 020/038/307 MOTO w/ AVS (CNP): 003 011/034/314 Retail: 001 009/023/310 Utility: 024 048/053/324 Internet: 020 089/077/317 MCC Code Various - Refer to "Additional Notes" Section of Pricing Terms MCC Description Various - Refer to "Additional Notes" Section of Pricing Terms American Express® Industry Type N/A Communications Method line charges quoted separately Frame Relay / IPN Gateway Other Gateway - Direct Bill to Client Pricing Option Interchange + Assessments + Access fees + Rate + Authorizations Proposal Date: 06/01/16 eReceivables Consultant: Chichi Ogbuagu Other Processing Fees Continued TransArmor Token & Encrypt 13 0.01$ per attempt TransArmor Token Registration Fee 13 0.01$ per attempt Legacy Data Conversion Fee 13, 14 0.0065$ per conversion 0.015$ per attempt -$ per attempt Terminal Reprogramming Fee (Terminal) - Applies to Customer Owned Terminals Only 75.00$ per unit 150.00$ per unit Security Swap Fee for PIN Debit - Applies to Customer Owned PIN Pads Only 125.00$ per unit Card Imprinter Option no imprinter Rush Shipping Option N/A 1) Clients may elect to participate in the Discover Network Card program or the Discover EDC program, but not both. Under the “Discover Network Card program,” Clients receive all Discover-related authorization, processing and settlement services from WFMS. Under the “Discover EDC program,” Clients enter into a direct agreement with Discover, and WFMS provides only authorization and capture services related to Discover also Network Cards. Clients may elect to participate in the American Express program or the American Express EDC program, but not both. Under the “American Express program,” Clients receive all American Express-related authorization, processing and settlement services from WFMS. Under the “American Express EDC program,” Clients enter into a direct agreement with American Express, and WFMS provides only authorization and capture services related to American Express Cards. In all cases, any services provided by WFMS for Discover and American Express transactions are subject to the terms of Client’s Agreement with WFMS. 2) Client acknowledges and understands that an authorization only indicates the availability of the Cardholder's credit at the time the authorization is requested. It does not warrant that the person presenting the card is the rightful Cardholder, nor is it an unconditional promise or guarantee that Client will not be subject to a chargeback or debit. 3) Authorization/EDC Fee applies to all Visa, MasterCard, Discover Network Card and American Express approvals (pre-authorizations, authorizations and authorization reversals), denials, batch inquiries, batch entry transactions and includes any transaction fees and capture fees. This fee does not apply to Discover EDC and American Express EDC. 4) The Annual Compliance Support Fee will be assessed and deducted from Client's Settlement Account at each anniversary date after the effective date. 5) Non Bank Card Authorization Fee applies to all approvals (pre-authorizations, authorizations and authorization reversals), denials, batch inquiries and batch entry transactions. 6) The monthly Statement Billing Fee can be waived if Client elects to access the monthly statement online instead of receiving a paper copy by mail. After Business Track access has been activated, please contact Customer Service at 1-800-451-5817 to request that paper statements no longer be mailed. If Business Track access is terminated by Client or as a result of inactivity, paper statements will be reinstated with the applicable monthly Statement Billing Fee. Enroll anytime at businesstrack.com. 7) The monthly PCI Compliance Service Program Fee and Non-validation PCI Compliance Fee are part of the mandatory PCI Compliance Service Program. These fees apply to Level 4 Clients who utilize a gateway or value added reseller (VAR). The program includes access to TrustKeeper, a Trustwave PCI Compliance solution to help Client comply with the Payment Card Industry Data Security Standards (PCI DSS) requirements. Clients are required to register and complete a PCI DSS certification process by visiting https://pci.trustwave.com/wellsfargo. If Client does not comply or fails the PCI DSS certification process, Client will be charged a monthly Non-validation PCI Compliance Fee until the account becomes compliant. 8) If the total discount fee for Visa, MasterCard, Discover Network Card and American Express transactions in a given month is less than the Monthly Minimum Processing Fee, then in addition to the total discount fee Client will be charged an amount equal to the Monthly Minimum Processing Fee minus the total discount fee. 9) Dues, assessments and pass-through fees are disclosed in the schedules referenced under the "Applicable Fee Schedules" section and the related footnote. 10) American Express charges Program Pricing fees and not Interchange, and these fees are subject to change. 11) The Interchange Clearing Fee (ICF) will be charged on transactions that may be considered higher risk and/or are processed at a higher expense level. These types of transactions can be identified on Client’s Payment Networks Qualification Matrix by looking at the “ICF applies” column. If the interchange program level has been identified by a “YES” in this column, then the ICF will apply to that type of transaction. Merchant Initials __________ Non Bank Card Authorization 5 Applies only to American Express EDC and Discover EDC Non Bank Card Capture Fee Applies only to American Express EDC and Discover EDC Terminal Reprogramming Fee - Integrated Terminal - Applies to Customer Owned Integrated Terminals Only Applies to Visa, MasterCard and Discover Network Card (Credit and Non-PIN Debit), American Express (Credit and Prepaid), American Express EDC, Discover EDC, PIN Debit, EBT WFB1707 6/8/2016; 5:01 PM Page 2 of 4 5955-D Contract 5955 Exhibit D DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Wells Fargo Merchant Services, L.L.C.- ("WFMS") - Pricing Terms City of Denton Assumptions Credit Card Volume $62,313,000 Average Transaction Size $26 Number of Locations 48 Anticipated Interchange 10 Levels Public Sector: 032 020/038/307 MOTO w/ AVS (CNP): 003 011/034/314 Retail: 001 009/023/310 Utility: 024 048/053/324 Internet: 020 089/077/317 MCC Code Various - Refer to "Additional Notes" Section of Pricing Terms MCC Description Various - Refer to "Additional Notes" Section of Pricing Terms American Express® Industry Type N/A Communications Method line charges quoted separately Frame Relay / IPN Gateway Other Gateway - Direct Bill to Client Pricing Option Interchange + Assessments + Access fees + Rate + Authorizations Proposal Date: 06/01/16 eReceivables Consultant: Chichi Ogbuagu 13) TransArmor fees are for Token and Encryption, Token Only, Token Registration, or Legacy Data Conversion processing. TransArmor fees apply to Visa, MasterCard, Discover Network Card (Credit and Non-PIN Debit), American Express (Credit and Prepaid), American Express EDC, Discover EDC, PIN Debit and EBT. Client is responsible for any additional charges, in the event that Client requires additional TransArmor products or services that are not stated on this proposal. 14) A fee that applies to each unique conversion of: (1) a Primary Account Number to a Token or (2) a Token to a Primary Account Number. If Client has selected to accept TeleCheck Services, see Part III - Section 1 of the Program Guide for the terms and conditions. If applicable, the Additional Services page will contain the fees and rates billed to Client by TeleCheck. 15) The price for the Clover Mobile and/or the Clover Mini device(s) includes the Clover Software. If Client does not follow proper authorization procedures, a $50 chargeback handling fee will be assessed on MasterCard transactions. American Express may charge Client an excessive disputes fee in the amount of $5 for each Disputed Charge if Client is in American Express' Immediate Chargeback Program or $15 for each Disputed Charge if Client is not in the Immediate Chargeback Program. Client is responsible for any charges assessed by outside third parties that are not disclosed on the proposal. To the extent that this pricing proposal includes pricing for third party products and services, WFMS disclaims legal liability and responsibility for said products and services. Client's agreement with the third party provider shall govern Client's relationship with the third party provider. In the event that WFMS is billed for the third party's services, Client will reimburse WFMS for such services. Client acknowledges and understands that WFMS shall have no responsibility or liability for any third party hardware or software procured and used by Client. To the extent Client has any issues, concerns or liability related to such hardware or software, Client must deal directly with the third party provider from whom Client procured the hardware or software. In no event will WFMS be responsible for any indirect, incidental or consequential damages that Client may incur as a result of using any third party hardware or software. WFMS' proposal and associated pricing is based on the information provided. Any difference to our stated understanding may affect the proposed pricing. Without a signed agreement, this proposal expires 120 days from the proposal date stated above. See Section 41.3 of the Program Guide for early termination fees. Rounding. In the event the amount being billed to Client for any line item on this pricing proposal includes a total ending in less than a full cent, WFMS will either round such amount up or down to the nearest cent. Fees for supplies, shipping, handling, and applicable sales tax may apply and are subject to change without notice. Additional information is available upon request. Additional Notes: MCC Code MCC Description 9399 GOVERNMENT SERVICES, NOT ELSEWHERE 7523 AUTOMOBILE PARKING LOTS 4900 UTILITIES-ELECTRIC,GAS,WATER Terms and Conditions of WFMS - Pricing Terms: 1) WFMS pricing as provided in its response to this RFP is based upon the information provided by City of Denton (e.g., existing processing technology, number of merchant accounts, etc.) as of the date the pricing provided in WFMS RFP response was created. In responding to this RFP, WFMS only agrees to be bound to the pricing WFMS provided therein to the extent that the assumptions upon which it was based, was reasonably derived in relation to the information provided by City of Denton as of the date of the creation of that pricing, are accurate and unchanged. In the event that WFMS is the successful bidder, and City of Denton subsequently provides additional information to WFMS that would affect the pricing (including pass through fees paid by City of Denton), WFMS shall not be bound by the pricing provided in the RFP response and shall have the right to revise the pricing based upon the corrected information provided by City of Denton. Further, should WFMS be the successful bidder for this RFP, City of Denton shall be required to execute a Final Pricing Terms document. Merchant Initials __________ WFB1707 6/8/2016; 5:01 PM Page 3 of 4 5955-D Contract 5955 Exhibit D DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Wells Fargo Merchant Services, L.L.C.- ("WFMS") - Pricing Terms City of Denton Assumptions Credit Card Volume $62,313,000 Average Transaction Size $26 Number of Locations 48 Anticipated Interchange 10 Levels Public Sector: 032 020/038/307 MOTO w/ AVS (CNP): 003 011/034/314 Retail: 001 009/023/310 Utility: 024 048/053/324 Internet: 020 089/077/317 MCC Code Various - Refer to "Additional Notes" Section of Pricing Terms MCC Description Various - Refer to "Additional Notes" Section of Pricing Terms American Express® Industry Type N/A Communications Method line charges quoted separately Frame Relay / IPN Gateway Other Gateway - Direct Bill to Client Pricing Option Interchange + Assessments + Access fees + Rate + Authorizations Proposal Date: 06/01/16 eReceivables Consultant: Chichi Ogbuagu Additional Notes Continued: 2) Pricing assumes no material change from the pricing parameters provided to WFMS. Pricing may require a re-evaluation if the pricing parameters change. Card Type Annual Net Sales Volume Annual Net Transactions Average Ticket Visa / MasterCard / Discover $62,313,000 2,383,880 $26.14 PIN Debit $366,150 91,538 $4.00 3) Should any terminal require a reprogramming for credit card, non-bankcards or debit cards, the reprogramming charge is $75 per terminal and $150 per terminal with an integrated PIN Pad. This price includes download and telephone training. Customer owned PIN Pads require encryption and are charged a security swap fee of $125 per PIN Pad. 4) This pricing proposal assumes that City of Denton will utilize First Data Merchant Services' North authorization network and First Data Merchant Services' North settlement/reporting platform. 5) Should City of Denton require development needs of unique functionalities outside of certification, City of Denton will be billed $85 per hour of programming needed. 6) On-site service, outside of training provided by the Relationship Manager, will be billed at a rate of $70 per hour. Travel related costs will be passed through to City of Denton. Processing Solutions Type Quantity Financing Method Total w/o TAX iSC 250 Ingenico device Customer Owned N/A PaymentMate gateway Customer Owned N/A Paymentus Gateway Customer Owned N/A ROAM EMV Mobile Reader Purchase $69.00 Per Reader Clover Mini WiFi 15 Purchase $579.00 Per Terminal *Prices and equipment availability are subject to change without notice. Merchant Signature: Date: Print Name: WFB1707 6/8/2016; 5:01 PM Page 4 of 4 5955-D Contract 5955 Exhibit D DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract# 5955 Exhibit E INSURANCE REQUIREMENTS AND WORKERS’ COMPENSATION REQUIREMENTS Upon contract execution, all insurance requirements shall become contractual obligations, which the successful contractor shall have a duty to maintain throughout the course of this contract. STANDARD PROVISIONS: Without limiting any of the other obligations or liabilities of the Contractor, the Contractor shall provide and maintain until the contracted work has been completed and accepted by the City of Denton, Owner, the minimum insurance coverage as indicated hereinafter. Contractor shall file with the Purchasing Department satisfactory certificates of insurance including any applicable addendum or endorsements. Contractor may, upon written request to the Purchasing Department, ask for clarification of any insurance requirements at any time; however, Contractor shall not commence any work or deliver any material until he or she receives notification that the contract has been accepted, approved, and signed by the City of Denton. All insurance policies proposed or obtained in satisfaction of these requirements shall comply with the following general specifications, and shall be maintained in compliance with these general specifications throughout the duration of the Contract, or longer, if so noted: • Each policy shall be issued by a company authorized to do business in the State of Texas with an A.M. Best Company rating of at least A- or better. Contractor may also use a captive insurance company to satisfy this requirement. • Any deductibles or self-insured retentions shall be the sole responsibility of the Contractor. • Liability policies shall be endorsed to provide the following:  Include as Additional Insured the City of Denton, its Officials, Agents, Employees and volunteers.  That such insurance is primary to any other insurance available to the Additional Insured with respect to claims covered under the policy and that this insurance applies separately to each insured against whom claim is made or suit is brought. The inclusion of more than one insured shall not operate to increase the insurer's limit of liability. • Cancellation: City requires 30 day written notice from the Contractor should any of the policies described on the certificate be cancelled or materially changed that results in non- compliance with the insurance requirements outlined herein before the expiration date. • Should any of the required insurance be provided under a claims made form, Contractor shall maintain such coverage continuously throughout the term of this contract and, without lapse, for a period of three years beyond the contract expiration, such that occurrences arising during the contract term which give rise to claims made after expiration of the contract shall be covered. • Should any of the required insurance be provided under a form of coverage that includes a general annual aggregate limit providing for claims investigation or legal defense costs to be DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract# 5955 included in the general annual aggregate limit, the Contractor shall either double the occurrence limits or obtain Owners and Contractors Protective Liability Insurance. • Should any required insurance lapse during the contract term, requests for payments originating after such lapse shall not be processed until the City receives satisfactory evidence of reinstated coverage as required by this contract, effective as of the lapse date. If insurance is not reinstated, City may, at its sole option, terminate this agreement effective on the date of the lapse. SPECIFIC ADDITIONAL INSURANCE REQUIREMENTS: All insurance policies proposed or obtained in satisfaction of this Contract shall additionally comply with the following marked specifications, and shall be maintained in compliance with these additional specifications throughout the duration of the Contract, or longer, if so noted: [X] A. General Liability Insurance: General Liability insurance with combined single limits of not less than $1,000,000.00 shall be provided and maintained by the Contractor. The policy shall be written on an occurrence basis either in a single policy or in a combination of underlying and umbrella or excess policies. If the Commercial General Liability form (ISO Form CG 0001 current edition) is used: • Coverage A shall include premises, operations, products, and completed operations, independent contractors, contractual liability covering this contract per ISO CB 00 01 04 13 and broad form property damage coverage. • Coverage B shall include personal injury. • Coverage C, medical payments, is not required. If the Comprehensive General Liability form (ISO Form GL 0002 Current Edition and ISO Form GL 0404) is used, it shall include at least: • Bodily injury and Property Damage Liability for premises, operations, products and completed operations, independent contractors and property damage resulting from explosion, collapse or underground (XCU) exposures. • Broad form contractual liability (preferably by endorsement) covering this contract, personal injury liability and broad form property damage liability. • liability. [X] Workers’ Compensation Insurance Contractor shall purchase and maintain Workers’ Compensation insurance which, in addition to meeting the minimum statutory requirements for issuance of such insurance, has Employer's Liability limits of at least $100,000 for each accident, $100,000 per each employee, and a $500,000 policy limit for occupational disease. The City need not be named as an "Additional Insured" but the insurer shall agree to waive all rights of subrogation against the City, its officials, DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract# 5955 agents, employees and volunteers for any work performed for the City by the Named Insured. Contractor may be a nonsubscriber under the Texas Workers’ Compensation Act if it has an employee welfare benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended (ERISA). For building or construction projects, the Contractor shall comply with the provisions of Attachment 1 in accordance with §406.096 of the Texas Labor Code and rule 28TAC 110.110 of the Texas Workers’ Compensation Commission (TWCC). DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract# 5955 Exhibit F Certificate of Interested Parties Electronic Filing In 2015, the Texas Legislature adopted House Bill 1295, which added section 2252.908 of the Government Code. The law states that the City may not enter into this contract unless the Contractor submits a disclosure of interested parties (Form 1295) to the City at the time the Contractor submits the signed contract. The Texas Ethics Commission has adopted rules requiring the business entity to file Form 1295 electronically with the Commission. Contractor will be required to furnish an original notarized Certificate of Interest Parties before the contract is awarded, in accordance with Government Code 2252.908. The contractor shall: 1. Log onto the State Ethics Commission Website at : https://www.ethics.state.tx.us/whatsnew/elf_info_form1295.htm 2. Register utilizing the tutorial provided by the State 3. Print a copy of the completed Form 1295 4. Enter the Certificate Number on page 2 of this contract. 5. Sign and notarize the Form 1295 6. Email the notarized form to purchasing@cityofdenton.com with the contract number in the subject line. (EX: Contract 1234 – Form 1295) The City must acknowledge the receipt of the filed Form 1295 not later than the 30th day after Council award. Once a Form 1295 is acknowledged, it will be posted to the Texas Ethics Commission’s website within seven business days. DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 City of Denton RFP #5955 Response to Request for Supply of Debit/Credit Card and Electronic Check Processing Services Proposal November 13, 2015 Submitted by: Chichi Ogbuagu Wholesale eReceivables Consultant 214-740-1304 chichi.ogbuagu@wellsfargo.com Aaron Cook Commercial Relationship Manager 214-661-1245 aaron.cook@wellsfargo.com Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 5955 Pricing Sheet- Credit Card/Debit Card and Electronic Check Processing Services Wells Fargo Walnut Creek, CA Dollar Volume Item Volume 12 Mo.Fee per Item Point of Purchase (POP) - 24 Locations Check Verification 750,000$ 1,200 12 0.170$ Credit Card - Utility Customer Service (Billing)100,000$ 300 12 $0.015 + 0.015% Credit Card - All Others 300,000$ 5,700 12 $0.015 + 0.015% Debit Card - Utility Customer Service (Billing)150,000$ 1,000 12 0.015$ Debit Card - All Others 60,000$ 1,000 12 0.015$ Mail Order/Telephone Order (MOTO) - 18 Locations Check Verification 150,000$ 350 12 0.170$ Credit Card 100,000$ 500 12 $0.015 + 0.015% Point of Purchase (POP) - Police Department only Check Guarantee 100$ 1 12 $0.17 + 0.045% Credit Card 200$ 4 12 $0.015 + 0.015% Debit Card 50$ 2 12 0.015$ Mail Order/Telephone Order (MOTO) - Police Department only Check Guarantee 100$ 2 12 $0.17 + 1.95% Credit Card 1,000$ 1 12 $0.015 + 0.015% Internet Credit Card Transactions Municipal Court 130,000$ 500 12 $0.015 + 0.015% Utilities Customer Service (Billing)4,300,000$ 20,000 12 $0.015 + 0.015% Building Inspections 50,000$ 150 12 $0.015 + 0.015% Library*1,500$ 80 12 $0.015 + 0.015% Miscellaneous Chargebacks 2,000$ 8 12 5.000$ Tempus Fees 0.400$ PaymentMate Onboarding Fee 52 149.000$ Transarmor Fees 0.010$ Payment Gateway Fees - Building Inspections Internet Payments $0.05 + $20/mo. Total Fees Cost of Equipment: Tempus Check Processing Equipment - CheXpress CX30 54 359.00$ 19,386.00$ Tempus Card Processing Equipment - Ingenico iSC250 54 652.00$ 35,208.00$ Tempus Card Processing Equipment - Swivel Stand 54 85.00$ 4,590.00$ Tempus Receipt Printer Equipment - Epson Thermal Printer 54 219.00$ 11,826.00$ 71,010.00$ 12 Month Average Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 November 9, 2015 Karen E. Smith Assistant Purchasing Manager 901-B Texas Street Denton, TX 76209 Dear Ms. Smith, Wells Fargo Merchant Services is pleased to provide our response to the City of Denton's Request for Supply of Debit/Credit Card and Electronic Check Processing Services #5955. Wells Fargo is committed to a relationship built on high standards, collaborative thought, process and innovation. We work closely with all of the Wells Fargo partners to deliver products and services backed by financial strength, technology and a commitment to service excellence. Additionally, Wells Fargo is proud to have previously worked with City to provide Depository and Treasury Management Services. Your Wells Fargo team brings a combination of local relationship management and national product leadership. We will continue to provide ongoing consultative services and creative solutions to enhance your current structure and improve overall efficiencies. Our promise is to meet or exceed the City's expectations. Your dedicated team is comprised of the following individuals: •Government Relationship Manager Aaron Cook •Wholesale eReceivables Consultant Chi Chi Ogbuagu •Treasury Management Sales Consultant Kathy Kendrick •Treasury Management Sales Associate Mary Beth Benton •Relationship Associate Dixie Highfield 8 year bank tenure 4 year bank tenure 30 year bank tenure 10 year bank tenure 23 year bank tenure We appreciate the opportunity to present our qualifications and look forward to working with you. If you have any questions about this proposal please contact either Chi Chi or me directly. Sincerely, Aaron P. Cook Vice President 214-661-1245 aaron.cook@wellsfargo.com Chi Chi Ogbuagu Wholesale eReceivables Consultant 214-740-1304 chichi.ogbuagu@wellsfargo.com Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Table of contents Executive summary ..............................................................................1 Scope of work & specifications ............................................................ 2 Part 1: Debit/credit card processing .....................................................................2 16.System requirements ................................................................................ 22 17.Point of purchase equipment .................................................................... 23 18.Software updates .......................................................................................27 19.Telephone lines and internet.....................................................................28 20.Reporting requirements ............................................................................29 21.Operations and technical support requirements ......................................31 22.Supplies/equipment ..................................................................................33 23.Error detection ..........................................................................................35 24.POP signage ...............................................................................................35 25.Chargebacks and copy requests ................................................................ 36 26.Training and reference manuals ............................................................... 36 27.Escalation procedures ...............................................................................37 Part 2: Optional electronic check processing ..................................................... 39 1.Check conversion (verifications and guarantee) ...................................... 39 2.Check verification ...................................................................................... 44 3.Check guarantee ........................................................................................ 44 4.Technology requirements ......................................................................... 48 5.Point of purchase equipment ................................................................... 54 6.Escalation procedures .............................................................................. 55 Attachment A ..................................................................................... 58 Attachment B ..................................................................................... 69 Attachment C.......................................................................................73 Attachment D......................................................................................74 Attachment E..................................................................................... 75 Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Attachment F ...................................................................................... 76 Appendix Merchant pricing and fees ................................................................................ Tab A TeleCheck, FD200 terminals, FD35 PIN Pad information .............................. Tab B Merchant reporting samples ............................................................................ Tab C Wells Fargo Payment Gateway® information .................................................. Tab D Decision Manager℠ information ..................................................................... Tab E Wells Fargo Payment Gateway integration methods ..................................... Tab F Mobile payments information .......................................................................... Tab G Implementation overview, what to expect .......................................................Tab H Wells Fargo Merchant Services response conditions........................................Tab I Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Executive summary City of Denton desires to partner with a payment services provider who’s responsive, and who will be a strong advocate for best practices and process improvements. You want a payment-processing partner who’s very knowledgeable about the regulatory and compliance environment surrounding merchant card and check payments. In today’s payments climate where customer account data security is at the forefront, The City desires to ensure that all of its payment channels are secure and that sensitive payment data isn’t stored on The City’s systems and not made accessible to unauthorized persons. Where The City decides to store payment information, say for autopays – the sensitive portion of the data should be stored within the merchant services provider’s environment in a secure vault. The City wants to ensure that all of its existing payment channels, that is, point of purchase, mail order/telephone order, and internet can be supported. In addition, The City desires that the payment- processing partner provide a vision as well as potentially implement pertinent emerging payment technologies such as EMV (smart card), NFC (near field communications) and contactless payments in line with evolving payment trends. Wells Fargo has the expertise, the resources, and the systems and technologies to deliver across all of The City’s requirements listed above and even exceed expectations. We distinguish ourselves in the marketplace, and will with The City, in our approach to ensuring that we capture opportunities to drive efficiencies, speed up cash flows, and reduce costs, all the while ensuring that risks are minimized. Wells Fargo will provide experienced resources across each component of the merchant services ‘spectrum’ in order to provide a pleasurable and sustained onboarding, and payment processing relationship with The City. Our implementation team will work to ensure a smooth transition through taking a project management approach while communicating regularly and effectively with The City’s internal stakeholders, and they’ll be succeeded by a dedicated merchant relationship manager who will take on the ‘reins’ of being a responsive advocate for the City in supporting your daily needs. Our processing and reporting systems are designed to provide visibility to The City on all aspects of the payments process that we control, and ‘actionable’ information will be readily available through our online reporting platform that will support management of processing fees to keep them minimized. It is our people, and our ‘relationship’ approach towards conducting our business that’s the hallmark of our uniqueness and competitive advantage. Top of mind for us is to do what’s best for our customers above all else. We’re excited at the prospects of serving The City’s payments processing needs today, and for the future. Our proposal, which follows, outlines our capabilities vis-a-vis your requirements. Please feel free to contact me directly regarding any aspect of our proposal and the solutions therein, and I look forward to the opportunity to present our solutions in person. Sincerely, Chichi Ogbuagu Vice President, Wholesale eReceivables Consultant (214) 740-1304 phone chichi.ogbuagu@wellsfargo.com Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Scope of work & specifications Part 1: Debit/credit card processing 1.List any other applicable credit card charges, including information on discount rates, government rates, and MasterCard/Visa utility rates, also monthly maintenance, statement, software and minimum transaction fees. Only the credit card charges listed on Attachment A and in this section will be acceptable in the monthly statement of charges. Like other merchant customers, controlling cost is an important initiative. Making sure you’re getting a competitive rate can sometimes be a challenge. That’s why Wells Fargo Merchant Services offers a low pricing structure, Interchange Plus Pricing. This pricing structure is a straight pass through of Payment Network costs plus a fee for transaction acquisition. It also makes your pricing transparent, allowing you to understand and compare rates across providers. Please refer to Appendix A for a detailed merchant pricing proposal. Additional information Interchange rates are governed by the Payment Networks and the rates change periodically. For the most current rates, please visit the following sites: Payment Networks Pass-Through Fees https://www.wellsfargo.com/biz/merchantpassthroughfees Payment Networks Qualification Matrix https://www.wellsfargo.com/biz/creditinterchangeplus PIN Debit Networks Fee Schedule https://www.wellsfargo.com/biz/merchantdebitfees Service fees Our Service Fee Program allows merchants who accept payments for qualified tax, non-tax, and higher education to charge a flat fee or a percentage of the principal transaction. Because this can offset the cost of accepting card and eCheck payments, you have the option to offer more payment channels. With this model, you receive funds for the qualifying transaction amount. The service fee is calculated based on the total transaction amount and forwarded to Wells Fargo Merchant Services. What you need to know Applies to all payment channels; face-to-face, telephone and mail order, and online Service fee is paid to Wells Fargo Merchant Services based on total amount due to the City Principal and fee post as two, separate transactions on payee’s statement Must disclose fee at time of sale and allow payee to cancel the transaction Must allow payment options to avoid service fee Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Convenience fees Convenience fees, on the other hand, can be assessed in general industries and are applied as a “flat dollar amount”. Per the Card Network regulations, the Convenience Fee must be assessed for the “convenience” associated with the merchant’s payment mechanism. An example of this would be where a merchant is charging a convenience fee for allowing payments through the internet. We will work with the City to understand your plans for the use of a convenience fee model and talk through the technology options for the application and reporting of convenience fees. For more information on fees, see Appendix A. 2.Please describe how phoned credit card transactions will be handled. Terminal FD 200Ti/First Data 200Ti Wi-Fi Terminal With the First Data 200Ti/First Data 200Ti Wi-Fi, you can process credit, debit, and gift cards, plus secure check transactions with one space-saving payment terminal. This terminal features a built‑in check reader and imager that processes checks through the TeleCheck® Electronic Check Acceptance (ECA) service, which verifies the customer’s checking history and guarantees the face value of the check up to $25,000. Business types supported Retail, Restaurant, Quick Service, Petroleum1, and Direct Marketing (MOTO)2. For more information on Telecheck Electronic Check Acceptance (ECA), the EMV capable FD200 terminals and the FD35 PIN Pad, see Appendix B. Wells Fargo Payment Gateway For accepting card payments by phone, card information may be entered into the card machine, or Wells Fargo can provide the City with access to our payment gateway virtual terminal, which can process both card and ACH payments by phone. 3.Describe in detail how the City of Denton’s processing program will be operated on a day to day basis. Provide transaction flow diagrams whenever possible. Terminal As a leading merchant acquirer, we fully support the needs of our customers to accept a variety of payment types from consumers. We focus on the types of payments that are getting traction in the marketplace and only enable payments when we are confident that they are safe for our merchants and offer genuine value. Check acceptance for the electronic age FD 200 Terminals: Make approval decisions instantly. When you add the TeleCheck ECA warranty service to your existing POS terminal, it takes only seconds to scan the customer’s paper check and receive an immediate approve or decline decision. Armed with this information, you can improve customer service, increase sales, and reduce fraud risk. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Deposit funds electronically Once you scan the check, the TeleCheck ECA warranty service automatically converts the payment to an ACH transaction. ACH deposits eliminate time-consuming trips to the bank and extend your window for same-day deposits to 11:00 p.m. CT. Best of all, your funds are guaranteed for approved checks and credited to your account within two business days. Card swipe or contactless Our point-of-sale solutions include wireless and mobile payment terminals, allowing our customers to accept card payments in the field as well as through Wi-Fi. We also support contactless payment capability, which lets merchants accept payments from contactless cards and other emerging non-card based payment types such as mobile phone. Smart card We also process smart card (also known as Europay MasterCard Visa or mobile NFC) transactions and have specific equipment that can process these transactions. Wells Fargo Payment Gateway With our online gateway service, either you can accept electronic checks through the virtual terminal function or your customers can enter their payment information into your e-Pay system. Once the information is collected, our gateway service validates the payment data. If the transaction is accepted, the gateway service automatically prepares check information into a NACHA file for further ACH processing. Then, with our Wells Fargo ACH services, files are routed to the appropriate financial institutions for debiting of your customers’ bank accounts. Below is a diagram showing the transaction flow for electronic checks through our Wells Fargo Payment Gateway service. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 4.Identify all subcontracts to be used for these services and what procedures will be used to monitor quality. We are a full service merchant provider and we rely on trusted partners. Wells Fargo partners with CyberSource, a Visa company, to offer our gateway service and TeleCheck for check processing. It’s important for customers to know they are working with a trusted provider who has experience and knowledge in the merchant services industry. With this knowledge and experience comes a deep-rooted understanding of your challenges and needs. Many customers like you have decided to work with Wells Fargo Merchant Services just for this reason. Here are some of the quality awards received within Wells Fargo Merchant Services and our team members. 2014: Discover Acquirer Marketing Excellence Award 2013-2010: Top Banking Team Award from the American Banker and U.S. Banker magazine. The Wells Fargo team has won this award four years in a row. 2011: Executive Vice President, Debra Rossi, received Distinguished Payments Professional award from the Electronic Transaction Association. She is the first woman to receive this honor. In 1993, Wells Fargo and First Data Merchant Services joined to create Wells Fargo Merchant Services, LLC. Wells Fargo Merchant Services offers completely integrated processing. Wells Fargo also partners with CyberSource, a Visa® company, for the powering of our gateway service. Performance measurements Wells Fargo Merchant Services tracks a variety of performance measurements on a monthly basis. We continue to meet or exceed our established performance goals. Our records for meeting these performance levels for the previous quarter are included in the following table. Performance measure and goal December 2014 January 2015 February 2015 Authorization system availability 99.95% net of scheduled outages 24 hours a day, 365 days a year 100% 100% 100% Chargeback timeliness 95% processed in five business days 100% 100% 100% Retrieval timeliness 98% processed in two business days 100% 100% 100% Customer service average speed of answer 85% of calls answered within 30 seconds 87.78% 91.65% 85.89% POS Help Desk average speed of answer (seconds) 30 seconds 16.02 22.62 23.32 Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 5. Explain what back-up procedures will be established in the event of a problem at the City of Denton and with the Respondent. Secure platform Our processing platforms are fault-tolerant by design with sufficient redundancy and capacity to sustain a complete outage and still be able to process transactions. We achieve average up-time availability of more than 99%, own, and maintain two geographically diverse and operational data centers. Each site acts as a backup to the other by using network diversity and processor redundancy. Authorization network  Monthly dial, backup testing  Geographically distributed architecture so single-site failure has zero effect on authorizations Settlement network  In-house backup site maintained in Omaha, Nebraska for disaster recovery to the settlement mainframe system  Primary and secondary platforms are geographically distributed so a site failure will not affect customers Backup sites Wells Fargo maintains backup processing sites under contract; we test them annually as part of routine disaster recovery and business continuity plans. Our authorization network consists of numerous platforms installed in two geographically dispersed data centers located in Chandler, Arizona and Omaha, Nebraska. These data centers are interconnected by numerous and diverse Wide Area Network (WAN) carriers so that any system, data center site, or WAN failure should not interrupt processing. Relationship manager Wells Fargo Merchant Services will assign the City a merchant services relationship manager who is responsible for providing proactive account management and superior ongoing support. Your merchant services relationship manager will be your main point of contact. In the unlikely event, the City is unable to process transactions, your merchant services relationship manager will advise you of alternative processing procedures. You’ll likely receive alternative procedures through email. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Relationship team The following is a brief biography for your assigned sales team: Aaron Cook Commercial Relationship Manager aaron.cook@wellsfargo.com 214-661-1245 877-402-4580 fax 1445 Ross Ave 23rd Floor, Suite 2314 Dallas, TX 75202-2812 As your relationship manager, Aaron is responsible for coordinating the team of specialists working on your banking relationship. He has over 15 years of public finance experience as a commercial banker, investment banker, derivative marketer, and deputy director of debt management for two of the nation’s largest issuers of municipal debt. Aaron has worked with numerous issuers across the country to implement and execute creative financing and treasury management solutions. While working for issuers of municipal debt, he oversaw the issuance of several billion dollars of long- and short- term debt for the Chicago Park District and the State of Illinois. Aaron holds a B.A. in political science from North Central College. Chichi Ogbuagu Vice President Wholesale Merchant Solutions Sales Consultant chichi.ogbuagu@wellsfargo.com 214-740-1304 866-303-2563 fax 1445 Ross Ave Suite 300, 3rd floor Denton, TX 75202 Chichi’s primary responsibilities include working with the Wholesale Treasury Management group in implementing services for all non-cash account receivable merchant products. Chichi brings more than 10 years of experience in the areas of sales, business development, marketing, training, and customer service operations. Kathryn C. Kendrick, CTP Vice President Treasury Management Sales Consultant kathryn.kendrick@wellsfargo.com 303-863-6257 866- 967-4765 fax 1700 Lincoln Street 21st Floor Denver, CO 80203 Kathy is responsible for providing customized treasury solutions for the City. She is dedicated to helping the City receive the most efficient and cost-effective treasury management solutions, in addition to keeping you abreast of new and enhanced treasury services and trends. Kathy has more than 20 years of experience with treasury management and is a member of the Rocky Mountain Association for Financial Professionals. Kathy has the Certified Treasury Professional (CTP) designation. She received the Certified Cash Manager designation in 1996 that was later converted to the CTP designation. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Dixie Highfield, CTP Relationship Associate dixie.l.highfield@wellsfargo.com 512-899-2082 886-412-5798 4801 Southwest Parkway Building 1 1st Floor Austin, TX 78735 Dixie works with your relationship manager to help enhance the customer service experience. She serves as the liaison between you and the various departments of the bank and acts as a backup when your relationship manager is not in the office. Dixie brings more than 11 years of experience to her current position and more than 18 years of experience in banking. Dixie earned her Certified Treasury Professional Designation in 2006. She is a member of the National Association for Financial Professionals and a past president of the Nebraska Association for Financial Professionals. Mary Beth Benton Treasury Management Sales Analyst marybeth.benton@wellsfargo.com 972-599-4672 4975 Preston Park Blvd. Suite 350 Plano, TX 75093 Mary Beth supports your treasury management sales consultant and will assist you with any treasury management questions when Kathy is unavailable. Mary Beth brings more than 20 years of banking experience to her current position. She assists you directly with any items pertaining to the implementation of new services. . 6. Describe Respondent’s capability to meet the following requirements for internet, POP and MOTO. a. AAVS and CVVI verification required. Yes. We support both full and partial Address Verification Services (AVS) and we support Card Verification Value (CVV2). Internet Our internal systems are behind firewalls and in data centers protected by stringent physical security features. Access to all critical locations is controlled by a variety of access control systems, ranging from biometrics to CCTV and security guard monitoring. Data centers are equipped with central alarm systems, appropriate fire systems, secure server room architectures, and security personnel, among other features. Wells Fargo Merchant Services maintains the following security with merchant internet-based connections:  Encrypted data between merchant and data center servers (Secure Socket Layer 3)  Merchants provided with a mainframe access code and password  Merchants required to change the password every 30 days Terminal For information on how the FD200 terminal supports card verification for card-not present transactions for Visa (CVV2), MasterCard® (CVC2) Discover®, American Express, and Retail Address Verification service (AVS), see Appendix B. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Wells Fargo Payment Gateway The Wells Fargo Payment Gateway service allows you to automate fraud filters and keep manual reviews to a minimum without cannibalizing good orders. Some of the screening features include:  AVS (card association address verification)  Verification by Visa and MasterCard card SecureCode  CVV2, CVC2, CID (verification of three or four digit verification number on card) b. Daily settlements based on Central Standard Time (CST). Funds must be available the same day, preferred, or next day. Deposits to the City’s bank account must be made daily and must reflect daily batch settlement totals. You can transmit settlement files at any time. To receive next business day funding to your Wells Fargo account, you must transmit settlement files by the established cutoff times. In the following table, we list the latest time that you can transmit Visa and MasterCard sales transactions in order to meet the settlement times. Platform Latest transmission time (Central) CardNet 1:00 a.m. PayPal PayFlow Pro on CardNet 8:00 p.m. PayPal PayFlow Link Gateway on CardNet 8:00 p.m. Nashville 1:00 a.m. PayPal PayFlow Pro on Nashville 11:00 p.m. PayPal PayFlow Link Gateway on Nashville 11:00 p.m. Authorize.net Gateway on Nashville 5:00 p.m. FDI Global 11:00 p.m. The latest time for settlement of closed batches for dial-up solutions is 1:00 a.m. CT. Wells Fargo Merchant Services will transmit settlement files to: Latest transmission time (Central) American Express 10:00 a.m. Discover Network* 4:00 a.m. and 5:00 a.m. *Diners and JCB settlement files are processed through Discover Network. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 c. Must provide on-line reporting services allowing viewing capabilities of all transactions by Merchant Identification Number (MID). Service must allow exporting and downloading of all transactions for the City. You can view reports online and group information by locations, by their relationship to each other, to banks, and to external business entities. The City can view information at the lead corporate, corporate, or location level based on your access level. Hierarchy level Description Lead Corporate level (corporate) (Non-mandatory) Identifies if multiple chaining structures are part of a large corporation. Allows entitled users to view reporting from Lead Corporate level down to Location level. Corporate level (chain) (Mandatory for multiple outlets of same company) Identifies if the merchant structure is a single chain or part of a corporation. Allows entitled users to view reporting from Corporate level down to Location level. Location level (outlet) (Mandatory for single-location merchants) Identifies that the merchant structure is at the Location level only and is not part of a chain or corporation. Allows entitled users to view Location level reporting only. . d. Must provide chargeback information by e-mail, fax and/or on-line application. Yes. As part of our online merchant reporting service, you can manage and respond to chargeback and retrieval requests with our chargeback management tool. Using the chargeback management tool, you can work your chargebacks and retrievals electronically and submit scanned images of the required sales documents, eliminating the need for paper files. In addition, you can have increased control and audit functionality over your back office workflow. e. Must provide internet gateway service. Wells Fargo Payment Gateway service Wells Fargo and CyberSource have collaborated to introduce the Wells Fargo Payment Gateway service powered by CyberSource. The Wells Fargo Payment Gateway service is a comprehensive receivables platform solution from a trusted provider that provides a single integrated platform, credit card and eCheck payment acceptance, international processing capabilities, and robust reporting. Our solution is PCI compliant. The Wells Fargo Payment Gateway can help:  Improve the reconciliation process by providing matched reporting for Interchange and chargebacks  Reconcile at the transaction level with the use of a unique transaction identifier and minimize reporting errors  Tokenize payment information, eliminating the need to store the information on your servers  Process in global currencies, allowing you to expand your sales channel into new markets  Automate your reconciliation processing with a reporting Application Programming Interface (API) Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Further, our gateway service supports the following transaction types 24 hours a day, 365 days a year:  Capture: Capture of any previously requested authorization.  Capture with Verbal Authorization (Charge): Authorization obtained outside of the Wells Fargo Payment Gateway service (for example 800 authorization number) with capture using the Wells Fargo Payment Gateway service.  Refund: Partial and full refunds of previous captured transactions; stand-alone refunds (no previous capture) are also supported.  Voids: Voids a captured transaction prior to the gateway settlement cutoff time of 11:00 a.m. CT. A void does not automatically reverse an authorization request. However, a separate Visa authorization may be requested in conjunction with a void request. Authorization reversals for other card types except American Express are also available.  Account Updater: Account Updater integrated with the Wells Fargo Payment Gateway service is supported for records stored on file within the Wells Fargo Payment Gateway service. Account Updater is also available as a standalone application from the Wells Fargo Payment Gateway service. Our Wells Fargo Payment Gateway service can be integrated to work with any application that supports web services. Many third parties, such as shopping carts, cashiering, and Interactive Voice Response (IVR) applications already have interfaces compatible with the Wells Fargo Payment Gateway service’s core technical specifications. Electronic checks With our gateway service, either you can accept electronic checks through the virtual terminal function or your customers can enter their payment information into your e- Pay system. Once the information is collected, our gateway service validates the payment data. If the transaction is accepted, the gateway service automatically prepares check information into a NACHA file for further ACH processing. Then, with our Wells Fargo ACH services, files are routed to the appropriate financial institutions for debiting of your customers’ bank accounts. Below is a diagram showing the transaction flow for electronic checks through our Wells Fargo Payment Gateway service. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Billing services With our gateway service, you have the option of providing electronic billing services to your customers with our Subscription services. Subscriptions are available in three varieties. You can create and modify all types of subscriptions with the Simple Order Application Programming Interface (API), in the Business Center, or with the Hosted Order Page. On-demand subscriptions You can store a payment amount with the subscription. At any time, you can send a request to bill the customer for an amount you specify and our Wells Fargo Payment Gateway service will retrieve the necessary subscription information and use it to process the payment. Installment subscriptions Use an installment subscription when you want to process a specific number of regular payments. For example, you might offer a product that costs $75.00, and the customer pays three payments of $25.00 each. An installment subscription has all the on- demand subscription information as well as this additional information:  Number of payments  Collection amount  Frequency for collecting the payments: weekly, monthly, and so on  Start date for collecting payments For installment subscriptions, the Wells Fargo Payment Gateway service creates a schedule based on the subscription information and automatically bills the customer according to the schedule. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Recurring subscriptions Use a recurring subscription when you offer an on-going service that has no specific end. For example, you might offer an online service to which the customer subscribes and pays a monthly fee. A recurring subscription has all the on-demand subscription information as well as this additional information:  Collection amount  Frequency for collecting the payments: weekly, monthly, and so on  Start date for collecting payments For recurring subscriptions, the Wells Fargo Payment Gateway service creates a schedule based on the subscription information and automatically bills the customer according to the schedule. Tokenization Our gateway service supports tokenization of card data. This provides PCI security for card data “at rest” within the merchant’s servers by removing payment card information from the merchant completely, replacing the Primary Account Number (PAN) with a “token.” This token is then associated with the transaction and original card number for the life of the record. Fraud controls Additionally, when you use our online gateway service you have a powerful fraud prevention tool at your disposal. The Decision Manager service within our gateway is an optional administration dashboard that provides you with an automated and streamlined fraud management operation. This service uses global validation services, the business-user rule management console, and case management. Decision Manager makes it easy to adopt and manage fraud at a completely new level. The Wells Fargo Payment Gateway service allows you to automate fraud filters and keep manual reviews to a minimum without cannibalizing good orders. Some of the screening features include:  Access to over 150 global validation tests and services  Device fingerprinting  Velocity monitoring  IP Geolocation  Multi-merchant transaction histories/shared data  Global telephone directories  Global delivery address verification services  Positive and negative list  AVS (card association address verification)  Verification by Visa and MasterCard card SecureCode  CVV2, CVC2, CID (verification of three or four digit verification number on card)  Custom fields for your own data We’d like to discuss this fraud tool with you in detail. There are many different ways that you can set this tool up to help you fight fraud. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Secured storage  Process payments without storing or handling sensitive account data  Achieve payment security (PCI) certification faster and easier  Increase consumer trust and reduce brand risk  Protect your company from costly consumer notification requirements  Supports all payment actions and checkout models  Protects you from risk but doesn’t restrict payment flexibility or custom interaction with your systems Supported payment actions and checkout models include:  Recurring billing, installment billing  One-click buy  Settlement and partial settlement  Re-authorization  Credit and partial credit  One-time transaction Reporting and reconciliation Our Wells Fargo Payment Gateway service provides enhanced reporting tools that allows you to reconcile payments through all aspects of the payment cycle, including chargebacks and returns. You have the ability to view and search for all aspects of each transaction through a streamlined online interface, or you can integrate payment data into its own system using industry standard Web technologies. Additionally, with the use of the merchant defined field within our gateway service, you can speed up and simplify your reconciliation process. This merchant defined field is in all your report files and can be directly uploaded to your ERP system for automatic reconciliation. Reports can be generated weekly or monthly in CSV, XML, Excel, or PDF format (or programmatic download). You can also have report information automatically loaded to your financial systems through an API (Application Programming Interface) connection. Standard reports through our gateway service include the following information:  Summary of transactions, including authorizations, captures, and more  Currency and payment method used for payment transactions  Amount and count of payment transactions by payment method and by currency  Events related to certain types of payment transactions  Detailed information about payment and risk transactions International capabilities With our gateway service, we support local dollar funding (authorizing, settling, and funding in local currency) for U.S. and Canadian dollars. Local currency processing is available for Euros, Yen, and Australian and Hong Kong Dollars. U.S. Dollar funding (the cardholder pays in local currency) is supported for 140 currencies worldwide. International processing is also contingent on the POS system’s capabilities. Funding per currency is displayed in the table below. Interchange fees for local currency funding is netted daily and is based on U.S. Interchange rates or local Interchange rates, if eligible. Merchant account, gateway processing, and U.S. Dollar funding fees (including Interchange) are billed the following month. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Funding currency1 Card types2 Wells Fargo account Non-Wells Fargo account3 USD Visa, MasterCard, and Discover Network Full Service Next Business Day 2 - 3 business days CAD Visa and MasterCard 4 business days 4 - 5 business days GBP Visa and MasterCard 4 business days 4 - 5 business days EUR Visa and MasterCard 4 business days 4 - 5 business days AUD Visa and MasterCard 4 business days 4 - 5 business days HKD Visa and MasterCard 4 business days 4 - 5 business days JPY Visa and MasterCard 4 business days 4 - 5 business days 1Funding timelines applicable to all transactions processed prior to 11:00 p.m. CT settlement cutoff. 2Wells Fargo is unable to quote American Express and non-Discover Network Full Service as they provide their own funding schedules outside of the Wells Fargo environment. 3Wells Fargo will remit funds to a non-Wells Fargo Account on the fourth business day. However, depending on the financial institution, they may not fund your account until the fifth business day or later. Our experience is most funding occurs within five business days. 7. Describe how Respondent will notify payer of the dollar amount of all payments and obtain the payer’s approval (electronic or otherwise) of such payments prior to initiating credit and/or debit authorizations. Terminal The buyer would be aware of the purchase price at the time of purchase. Wells Fargo Payment Gateway Through our gateway service, the customer is prompted through each step of the payment making process. The breakdown of the payment is clearly displayed for the customer to decision before they make a payment. 8. Describe how Respondent will provide payers with electronic confirmation of payment transactions. Terminal Check acceptance for the electronic age FD 200 Terminals: Make approval decisions instantly. When you add the TeleCheck ECA warranty service to your existing POS terminal, it takes only seconds to scan the customer’s paper check and receive an immediate approve or decline decision. Armed with this information, you can improve customer service, increase sales, and reduce fraud risk. Once the transaction is approved, the customer would get a copy of the transaction receipt. Deposit funds electronically Once you scan the check, the TeleCheck ECA warranty service automatically converts the payment to an ACH transaction. ACH deposits eliminate time-consuming trips to the bank and extend your window for same-day deposits to 11:00 p.m. CT. Best of all, your funds are guaranteed for approved checks and credited to your account within two business days. Once the transaction is approved, the customer would get a copy of the transaction receipt. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Wells Fargo Payment Gateway Confirmation of payment is provided through the Wells Fargo Payment Gateway service. The payment confirmation page can be customized with the City’s look and feel. A similar error page can be displayed if there is a problem processing the payment. An example confirmation page is provided on the following page. Additionally, an email confirmation can also be provided. An example email receipt is provided below. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 9. Describe how Respondent will electronically transmit all card transactions to the appropriate card processing center, in real time, as the transactions occur, and balance and reconcile electronically captured transactions on a daily basis. Terminal We support a wide range of transmission methods, including batch and real-time for MPLS, satellite (VSAT), Internet Protocol Network (IPN), dial-up, internet, and wireless. Our networks and systems have established performance parameters, but transactions also flow through the Payment Networks (Visa and MasterCard), issuing banks, third- party processors, and the merchant’s systems and networks. With that, we can only report on response times within our own systems. However, some merchants have provided us with their observed response times, and we have done testing to give us an indication of what to expect. Based on internal measures, merchant feedback, and testing observations, you can expect average responses times as indicated in the following table: Authorization method Peak response time Off-peak response time Dial-up 8 − 9 seconds 8 – 9 seconds Internet 2 – 3 seconds 2 – 3 seconds MPLS 2 – 3 seconds 2 – 3 seconds VPN 2 – 3 seconds 2 – 3 seconds . Wells Fargo Payment Gateway Real-Time Authorization Flow Cycle  Cardholder presents a card to pay for their purchases. For card-absent transactions, the cardholder provides the merchant with the account number, expiration date, billing address, and CVV2.  Merchant swipes the card, enters the dollar amount, and transmits an authorization request to the merchant bank. For card-absent transactions, the account number and other information may be digitally or key-entered into the gateway service.  Wells Fargo electronically sends the authorization request to the Payment Network.  Payment Network passes on the request to the card issuer.  Card issuer approves or declines the transaction.  Payment Network forwards the card issuer’s authorization response to us.  We forward the response to the merchant.  Merchant receives the authorization response and captures the transaction using the gateway service. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Settlement and funding  Gateway service settles the capture at 11:00 p.m. CT.  Wells Fargo credits the merchant’s account and electronically submits the transaction to the Payment Network for settlement.  Funds are available the next business day to a Wells Fargo Demand Deposit Account (DDA) for U.S. Dollars and four business days for local currencies.*,† *Funding to a non-well Fargo DDA may take longer to process. †American Express and Discover Direct will also take longer to fund, regardless of where the deposit account is located The City can always access details about transactions sent to Wells Fargo Merchant Services for authorization and settlement through our online merchant reporting tool. At the end of the day — or whenever is best for your business — transactions are sent for final settlement to the cardholders’ financial institutions. Once settled, we deposit this batch total to your account and report it on your merchant statement. The batch detail report contains both the summary batch information as well as the detail batch information including learner, payment type, and date. Account reconciliation  Reporting is available online the next business day . Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 10. Describe how Respondent will retain credit authorization logs and transaction records for such period of time as required by applicable law and the rules, regulations and operation procedures of the respective card organizations, and records shall contain the following information: transaction type, date and time of transaction, City account number, and card’s account number and expiration date, card holder’s name, dollar amount of transaction and approval code. Yes. We can accommodate all of the City account information storage requirements with our online merchant reporting system. You can access detailed historical information and historical summary reports about sales, refunds, and chargebacks. You can view all reports through the dashboard or through the scheduled report option. The following table illustrates the time frame for the storage of your historical data: Detailed information or report Number of months available Batch summaries 13 months + current month Cardholder detail 6 months + current month Authorization list and detail 6 months + current month Chargeback lists 5 months + current month Chargeback detail 6 months + current month Checking account transfers 6 months + current month Online outlet statement 5 years Financial history 13 months . 11. Provide City of Denton with logos, graphics, and other appropriate marketing materials for citizen communication in English and Spanish. Once we have opened and activated your merchant account, you will receive a complimentary Welcome Kit with supplies to help you get started. The kit includes card payment network decals (Visa, MasterCard, Discover, and American Express), receipt roll paper, sales drafts, and credit slips. When you need to refill or order more supplies, call our Merchant service customer service number 1-800-451-5817 and they will help you get what you need for your specific business and equipment, and they will discuss any costs with you. While we do not offer a Spanish Welcome Kit at this time, Wells Fargo Merchant Services has Spanish-speaking team members in our customer service, Point-Of-Sale, and chargeback phone centers. In addition, we use the services of the AT&T Language Line for immediate, online interpretation and translation in 140 languages. We do not provide advertising allowances. 12. Provide City of Denton with monthly reports (in a mutually agreed upon format) summarizing use of the services for the applicable reporting period. Sample report must be included in this proposal. Yes. You can receive reports directly to a fax machine or an email box in various file formats (PDF, DOC, XLS, and CSV) and can schedule them to arrive daily, weekly, monthly, quarterly, or annually. For samples of merchant reports, see Appendix C. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 13. Provide internet payment service in both English and Spanish. Wells Fargo Merchant Services has Spanish-speaking team members in our customer service, Point-Of-Sale, and chargeback phone centers. In addition, we use the services of the AT&T Language Line for immediate, online interpretation and translation in 140 languages.  Web pages can be designed to accommodate Spanish language preference. 14. Explain how the Respondent will handle any copy requests or chargebacks for the City of Denton. Chargeback support You can work with your merchant services relationship manager for help with managing chargebacks. You will receive guidance and support in managing and collecting the correct paperwork needed for chargeback reversals and dispute resolutions. Cardholders Because the cardholder dispute process differs depending on the card issuer, cardholders work directly with their respective credit card company to resolve a dispute or chargeback. Merchants Once you receive a chargeback advice request, you have 20 calendar days to fax a clear and legible copy of the sales record. If you’ve already issued a credit, you must respond to the chargeback notice by sending a copy of the credit record, including the date and the amount that the cardholder account was credited. To dispute a chargeback, you must provide a clear copy of the sales order showing:  Date of original sale or credit  Cardholder’s account number and name  Description of goods and services  Total amount of the sale  Total amount of the chargeback  Date of authorization and approval code  Dated cover letter detailing the reasons for requesting a review of the chargeback  Supporting documentation such as an Address Verification Service (AVS) code, delivery confirmation, or any correspondence with the cardholder If the documentation is received within reversal time frames and the dispute warrants a reversal of the chargeback to the card issuer, we will return the item to the card issuer, and your account will be credited. Dispute Manager As part of our online merchant reporting tool, BusinessTrack®, you can manage and respond to retrieval requests and chargebacks with Dispute ManagerSM. Dispute Manager is an online chargeback management tool that lets you work chargebacks electronically and submit needed sales documents through scanned images. Dispute Manager offers chargeback and retrieval processing and management in a highly secure and automated, online environment. Dispute Manager lets you work chargebacks and retrievals online, reducing the time and expense of faxing and mailing, and eliminating the need for paper files. In addition, this service provides you increased control and audit functionality over your back office workflow. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Benefits  Save time — Streamline your chargeback and retrieval management process with this automated system  Be more independent and efficient — Manage cases online for faster and easier dispute resolution  Enhance your financial power — Control workflow in the back office in real time, and increase your audit functionality  Decrease losses — Respond quickly to retrieval requests and decrease the possibility of a chargeback resulting from a non-response  Streamline reconciliation — Download information for easy analysis  Reduce costs — Save on mail and fax expenses, and gain efficiencies through better time management and financial controls 15. Red Flag Act Rules and Fair & Accurate Credit Transactions (FACT) Act. The Respondent is required to comply with the Red Flag Rules and the FACT Act. The Respondent must ensure that all nonpublic personal customer identity information provided by the City remain confidential by maintaining safeguards for the information received. The Respondent will not disclose or use such information for any purpose other than is reasonably necessary to fulfill the purpose for which such information was provided by the City or otherwise permitted by applicable laws. A signed service provider acknowledgement must be completed in conjunction with the Respondent Services Contract. Wells Fargo Merchant Services has designed procedures, standards, and technology to protect the City’s information at every transaction level. We adhere to a strict policy to safeguard the privacy of our customers. To highlight our commitment to privacy:  We do not sell our customers’ information to third parties  We do not share customer information with third parties who have an interest in marketing to your organization  We give you a choice of how you want your information to be shared within the Wells Fargo family of companies Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 16. System requirements a. Point of Purchase (POP) processing terminals for handling electronic check verification and/or guarantee, and batching and debit or credit card authorizations are to be connected to existing Microsoft Windows-based desktop computers through standard peripheral connections, such as COM or USB (Preferred). The terminal peripherals would utilize software present on the computer, either an installed software client or a web-browser-based control interface, to communicate via the internet with the Respondent’s host system for purposes of communicating transaction information at the point of purchase. Respondent software would provide for receipt printing of all transactions, with capability to re-print receipts if necessary. Software interface must be capable of handling both card-present, and card-not-present transactions and associate each with the correct fee schedule. Terminal: Check acceptance for the electronic age Card present FD 200 Terminals: Make approval decisions instantly. When you add the TeleCheck ECA warranty service to your existing POS terminal, it takes only seconds to scan the customer’s paper check and receive an immediate approve or decline decision. Armed with this information, you can improve customer service, increase sales, and reduce fraud risk. With the First Data 200Ti/First Data 200Ti Wi-Fi, you can process credit, debit, and gift cards, plus secure check transactions with one space-saving payment terminal. This terminal features a built‑in check reader and imager that processes checks through the TeleCheck Electronic Check Acceptance (ECA) service, which verifies the customer’s checking history and guarantees the face value of the check up to $25,000. Card not present The FD200 terminal supports card verification for card-not present transactions for Visa (CVV2), MasterCard (CVC2) Discover, American Express, and Retail Address Verification service (AVS), see Appendix B. Deposit funds electronically Once you scan the check, the TeleCheck ECA warranty service automatically converts the payment to an ACH transaction. ACH deposits eliminate time-consuming trips to the bank and extend your window for same-day deposits to 11:00 p.m. CT. Best of all, your funds are guaranteed for approved checks and credited to your account within two business days. The terminals are software based so the updates are maintained for you. For more information on Telecheck Electronic Check Acceptance (ECA) and the EMV capable FD200 terminals, see Appendix B. Wells Fargo Payment Gateway Our online based service is completely software based so all of the updates are done for you. Our gateway service supports the following transaction types 24 hours a day, 365 days a year: Authorization Real time, including $0.00 authorizations for Visa card and $1.00 authorizations for all other card types. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Capture Capture of any previously requested authorization. Capture with Verbal Authorization (Charge) Authorization obtained outside of the gateway service (for example 800 authorization number) with capture using the gateway service. Refund Partial and full refunds of previous captured transactions; stand-alone refunds (no previous capture) are also supported. Voids Voids capture transaction prior to the gateway settlement cutoff time of 7:00 p.m. CT. A void does not automatically reverse an authorization request. However, a separate Visa authorization may be requested in conjunction with a void request. Account Updater Account Updater integrated with the gateway service is supported for records stored on file within the gateway service. Account Updater is also available as a standalone application. For information onTelecheck Electronic Check Acceptance (ECA) service, see Appendix B. For information on our Wells Fargo Payment Gateway, see Appendix D. b. Transaction data would need to be captured and cataloged according to the following hierarchy: City of Denton >> Department >> Location >> Operator >> Batch ID. Reporting capabilities would need to be provided to allow the City to research and reconcile transactions passing through the Respondent. This reporting should be web-based, and accessible in real-time. Transaction data should be captured either locally on City provided database and hardware platforms or remotely at the Respondent’s location as long as reporting needs are effectively met. Yes. We can meet all of the City’s reconciliation requirements; we offer 100’s of reporting options including customized reports. Our reports are available online and with real time information. 17. Point of purchase equipment a. Please list any hardware/software requirements for this service and the costs to replace existing hardware/software. Please list financing options or other replacement considerations Respondent may desire to propose to the City. Terminal Software upgrades are updated and maintained for you at no charge. We recommend that the City use the FD 200 terminal, which does both card, and check plus the FD 35 EMV pin pad to support smartcard or contactless payments. Your purchased equipment has a one-year full replacement agreement and after that year, you can exchange equipment for $225.00. You can swap your rental equipment at no cost if it malfunctions, and you can swap your leased equipment at no cost if it malfunctions during the time of lease. You will need a new lease if your existing equipment is no longer available. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Our replacement fee policy is detailed in the following paragraphs. The City will not be charged for shipping and handling on equipment replacement orders. Monthly rental Your rental replacements will be shipped at no cost during the period the rental agreement is active. You may (depending on ship date) pay two rental fees until the broken unit is returned. Lease We can ship your lease replacements at no cost, provided you meet the following criteria:  Your account is active and processing through Wells Fargo Merchant Services  The City entered into the lease with First Data Global leasing through Wells Fargo Merchant Services  Lease agreement is still active You will not be charged a fee for obsolete equipment requiring an upgrade but will be responsible for any costs associated with the upgrade (such as increased monthly costs and upgrade fees). Resale or installment purchase You will receive a replacement at no charge if you order the replacement within one year of the original purchased equipment deployment date. After the one-year warranty, your replacement policy applies. The City-owned You will be charged the following replacement fees, provided no maintenance fee is currently on the account.  Terminal with an integrated printer: $225.00  FD 35PIN pad: $160.00 You will not pay more than one replacement fee on the same piece of equipment within 90 days*. *Our equipment vendor will ship three call tags for all replaced equipment. If the replaced equipment is not received within 90 days of the equipment replacement, you will be charged for non-returned equipment. For detailed pricing, see Appendix A. For more information on the EMV capable FD200 terminals, the FD 35 EMV pin pad to support smartcard or contactless payments see Appendix B. Wells Fargo Payment Gateway Our services are internet based and all software upgrades are updated for you and at no charge to the customer. For detailed pricing, see Appendix A. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 b. Debit/Credit Card Terminal – Industry standard hardware utilizing 3-track magnetic stripe reader, integrated PIN pad and display unit with COM or USB (Preferred) connectivity to interface with current Microsoft Windows-based desktop computer. Terminal must be EMV capable (contact/contactless). Terminal should have the ability to be placed within the customer’s reach for transaction processing so as to afford the customer the added security benefit of card retention. Terminal display would be programmed with all relevant customer prompts and responses so as to minimize cashier instruction. Terminal For more information on Telecheck Electronic Check Acceptance (ECA) and the EMV capable FD200 terminals, see Appendix B. c. Receipt Printer – Industry standard thermal printer hardware using Parallel, COM or USB (preferred) communication to connect to current Microsoft Windows-based desktop computer. Receipt would provide the following information for all transactions: (1) credit cards - City logo or name, department, address, phone number, operator, transaction date and time, card holder’s name, last four digits of card used, transaction amount, approval code, other City required data, and signature line. Terminal Check acceptance for the electronic age FD 200 Terminals: Make approval decisions instantly. When you add the TeleCheck ECA warranty service to your existing POS terminal, it takes only seconds to scan the customer’s paper check and receive an immediate approve or decline decision. Armed with this information, you can improve customer service, increase sales, and reduce fraud risk. Deposit funds electronically Once you scan the check, the TeleCheck ECA warranty service automatically converts the payment to an ACH transaction. ACH deposits eliminate time-consuming trips to the bank and extend your window for same-day deposits to 11:00 p.m. CT. Best of all, your funds are guaranteed for approved checks and credited to your account within two business days. Receipt Dual built-in printers: Thermal printer for credit card receipts prints 15 lines per second; inkjet defacement printer only prints VOID on the face of the check to help conserve ink and costs. Wells Fargo Payment Gateway Our easily assessable online gateway solution provides confirmation of payment be provided through the Wells Fargo Payment Gateway service. The payment confirmation page can be customized with the City’s look and feel. A similar error page can be displayed if there is a problem processing the payment. An example confirmation page is provided on the following page. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Additionally, an email confirmation can also be provided. An example email receipt is provided below. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 18. Software updates a. The City expects that software “bugs” will be addressed within a reasonable and fair time frame under the basic maintenance agreement held with the Respondent. A software “bug” is defined as a glitch, anomaly, or other reproducible condition that materially affects the proper operation of the software as designed, and prevents the City from using the software as intended. Terminal The terminals are software based so the updates are maintained for you. Wells Fargo Payment Gateway Our gateway is completely software based so all of the updates are done for you. b. The City may request additional features or functionality during the duration of the contract. City and Respondent will agree whether these enhancements constitute a material change above and beyond what is covered under the standard maintenance agreement for the software. In the event that the changes represent a billed-for service, the City will have the option to purchase the enhancement, and incorporate the ongoing support for that enhancement as part of the standard maintenance agreement. We agree. c. Respondent is responsible for ensuring that their software functions on current mainstream desktop computers. This includes hardware not to exceed 4 years in age, and the current public release of the Microsoft Windows desktop operating system for business and professional use with all required security patches installed. If the client software is deployed in a browser, it must be compatible with the current retail release of Microsoft Internet Explorer (Internet Explorer II) with all required security patches installed. It is the Respondent’s responsibility, under the terms of the maintenance agreement, to resolve issues arising from the application of critical Microsoft patches that may interfere with the proper operation of the Respondent’s software. Terminal The suggested terminals are software based, so the updates are maintained for you and require minimal involvement from the City. We do not charge for software or for software upgrades. Wells Fargo client services, technical support, and terminal support are available to the City 24 hours a day, 365 days a year. Your merchant services relationship manager is available to assist you as well. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Wells Fargo Payment Gateway Our online based service is completely software based so all of the updates are done for you. d. City is expected to have access to new releases of software free of charge under the terms of the annual maintenance agreement. Terminal The suggested terminals are software based, so the updates are maintained for you and require minimal involvement from the City. We do not charge for software or for software upgrades. Wells Fargo client services, technical support, and terminal support are available to the City 24 hours a day, 365 days a year. Your merchant services relationship manager is available to assist you as well. Wells Fargo Payment Gateway Our online based service is completely software based so all of the updates are done for you. 19. Telephone lines and internet a. None of the peripherals used in any solution will use a conventional telephone line to process transactions; all transactions will be handled over the internet. In the event that internet processing is unavailable, transactions will be queued for processing at such time as Internet connectivity is restored. This queuing process may be manual, or integrated into the software (preferred). Provide an explanation of how face-to-face credit card transactions can be authorized and then processed later in the Respondent software. Yes, we fully support this function. First Data 200Ti/First Data 200Ti Wi-Fi terminal features  128 x 64 touch-screen technology  Integrated check reader/imager with separate 32-bit ARM9 400 MHZ CPU  Wi-Fi capability (optional)  96MB RAM standard memory  Five USB and two serial ports  Dual built-in printers: Thermal printer for credit card receipts prints 15 lines per second; inkjet defacement printer only prints VOID on the face of the check to help conserve ink and costs.  FD200 terminals support contactless payment technology with the appropriate peripheral. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Wells Fargo Payment Gateway Yes, we can fully support this function. Further, our gateway service supports the following transaction types 24 hours a day, 365 days a year:  Capture: Capture of any previously requested authorization.  Capture with Verbal Authorization (Charge): Authorization obtained outside of the Wells Fargo Payment Gateway service (for example 800 authorization number) with capture using the Wells Fargo Payment Gateway service. 20. Reporting requirements a. The City of Denton will require on-line access to daily funding notices, exception items and weekly and month-end summary reports. One hard copy of each report must be sent to the City of Denton by U.S. mail to the attention of the Assistant Director of Finance. The daily funding notice must also be faxed or e-mailed each day. The City of Denton has a tiered account structure and reports and transaction information must be accessible within each tier. Yes. We can meet all of the City’s reconciliation requirements; we offer 100’s of reporting options including customized reports. Our reports are available online and with real time information. For more information on our reporting options, please see the response to section #20 b., see below response. b. For this proposal, describe the contents and distribution frequency of all of the reports that will be provided to the City of Denton. Sample reports must be included in the proposal. Getting the information you need when you need it, is important to many businesses like yours. That’s why you can access your payments-related data quickly and easily with our online merchant reporting tool, BusinessTrack. From any internet-based PC, you can access and analyze transaction detail for all card types, conduct sales audits, manage processing fees, reconcile your checking account, investigate chargebacks, protect against losses, view historical information for analysis, and manage cash flow. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Reports available The ClientLine® reporting tool features six types of Sales and Funding reports. Report name Description Transactions Transactional reports for reconciling to a POS or looking at overall transaction volume Bank Deposits Funding reports for reconciling to your bank account Adjustments Deductions made from your total sales (chargebacks, fees, Interchange charges, etc. Refunds Refund data for monitoring of potential fraud Debit Suspense* Authorized PIN debit transactions for which payment could not be received from the issuer *applicable only to merchants accepting PIN debit Today’s Data* Total funding amount to be paid today *applicable only to merchants set up for same funding . The Report Wizard lets you custom build each report to your own specifications. Please refer to the Appendix C for our merchant services standard reports, including detail and summary reports. How it works Rather than waiting for a report, you conduct the analysis that suits you, exactly when you need it. The City can select from more than 100 available reports or create your own by choosing which fields to include, from a comprehensive database that includes the processing of gift cards, checks, and all credit, debit, and Electronic Benefits Transfer (EBT) card transactions. You decide what information you need to manage your business. You can receive reports directly to a fax machine or an email box in various file formats (PDF, DOC, XLS, and CSV) and can schedule them to arrive daily, weekly, monthly, quarterly, or annually. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Features  Standardized, web-based reports that give you access virtually any time to payment processing information  Dashboard view for a snapshot of essential processing information, including the most recently posted, and for funded transactions and fees  Detailed reports for drilling down into specific locations, transaction types, adjustments, and more  Summary information for up to 13 months  Query builder to construct reports based on selected fields, across selected merchant locations  Reporting that can be emailed or faxed wherever you need  Credit, debit, and gift card activity summaries for any selected time period  Dispute reporting to help you manage chargeback and retrieval expenses Help your organization  Access payment processing information 24 hours a day, 365 days a year  Reduce calls to customer service departments  Drill down into funding events and reconcile total sales  Create reports and schedule their distribution You can visit www.BusinessTrack.com for an online tour. 21. Operations and technical support requirements a. The processing system provided must be fully automated and easy to use. Describe in detail how the program will be operated on a day-to-day basis. Additionally, explain what back-up procedures will be established for each item. Terminal Check acceptance for the electronic age: The FD 200 terminals are very easy to use and all the software is maintained and updated for you. For more information on Telecheck Electronic Check Acceptance (ECA) and the EMV capable FD200 terminals, see Appendix B. Wells Fargo Payment Gateway With our service, you can easily manage payment risk and streamline your online payment processing channels. Implementing our service puts a secure, flexible, and PCI-compliant processing environment at your fingertips. You’ll have a single source for multiple payment options, report and reconciliation services, and tools to reduce transaction risk and manage fraud. Combine this with a Wells Fargo deposit account, and you’ll have access to next-business- day funding of your card payments. Our comprehensive receivables solution is powered by CyberSource and provides an integrated platform for credit card, debit card, and eCheck payment acceptance. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Features and benefits With our gateway solution, the City can:  Reduce your PCI scope as our gateway solution securely stores payment data  Tokenize payment information for greater security and reduced risk of exposure  Automate the fraud screening process using our fraud management tool and you only need to review orders that meet your criteria for manual review  Automate and speed up your reconciliation processing with a reporting Application Programming Interface (API)  Minimize reporting errors at the transaction level with the use of a specific transaction identifier  Speed up the reconciliation process with matched reporting for Interchange and chargebacks  Expand your sales channel to new markets with global currencies processing It’s easy to integrate any application that supports web services with our gateway. Many third parties, such as shopping carts, cashiering, and Interactive Voice Response (IVR) applications, already have interfaces compatible with our gateway service’s core technical specifications. Backup sites Our processing platforms are fault-tolerant by design with sufficient redundancy and capacity to sustain a complete outage and still be able to process transactions. We achieve average up-time availability of more than 99% and own and maintain two geographically diverse and operational data centers. Each site acts as a backup to the other by using network diversity and processor redundancy. Authorization network  Monthly dial, backup testing  Geographically distributed architecture so single-site failure has zero effect on authorizations Settlement network  In-house backup site maintained in Omaha, Nebraska for disaster recovery to the settlement mainframe system  Primary and secondary platforms are geographically distributed so a site failure will not affect customers Wells Fargo maintains backup processing sites under contract; we test them annually as part of routine disaster recovery and business continuity plans. Our authorization network consists of numerous platforms installed in two geographically dispersed data centers located in Chandler, Arizona and Omaha, Nebraska. These data centers are interconnected by numerous and diverse Wide Area Network (WAN) carriers so that any system, data center site, or WAN failure should not interrupt processing. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 With our highly redundant, server-based processing platforms, backup disaster recovery services have never been used as of October 2015. 22. Supplies/equipment a. It is critical that the Respondent provide the City of Denton with the necessary equipment and supplies for this program. Describe the entire process in detail and include: We recommend that the City use the FD 200 terminal which supports card and check processing and the FD35 PIN pad attachment which supports PIN debit, contactless, and smartcard/Chip card payments Your purchased equipment has a one-year full replacement agreement and after that year, you can exchange equipment for $225.00. You can swap your rental equipment at no cost if it malfunctions, and you can swap your leased equipment at no cost if it malfunctions during the time of lease. You will need a new lease if your existing equipment is no longer available. Our replacement fee policy is detailed in the following paragraphs. The City will not be charged for shipping and handling on equipment replacement orders. Monthly rental Your rental replacements will be shipped at no cost during the period the rental agreement is active. You may (depending on ship date) pay two rental fees until the broken unit is returned. Lease We can ship your lease replacements at no cost, provided you meet the following criteria:  Your account is active and processing through Wells Fargo Merchant Services  The City entered into the lease with First Data Global leasing through Wells Fargo Merchant Services  Lease agreement is still active You will not be charged a fee for obsolete equipment requiring an upgrade but will be responsible for any costs associated with the upgrade (such as increased monthly costs and upgrade fees). Resale or installment purchase You will receive a replacement at no charge if you order the replacement within one year of the original purchased equipment deployment date. After the one-year warranty, your replacement policy applies. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 City-owned You will be charged the following replacement fees, provided no maintenance fee is currently on the account.  Terminal with an integrated printer: $225.00  FD 35PIN pad: $160.00 You will not pay more than one replacement fee on the same piece of equipment within 90 days*. *Our equipment vendor will ship three call tags for all replaced equipment. If the replaced equipment is not received within 90 days of the equipment replacement, you will be charged for non-returned equipment. For information on the EMV capable FD200 terminals with TeleCheck and the FD 35 EMV pin pad, that supports smartcard, contactless payments and mobile wallet payments see Appendix B. i. What equipment/supplies will be needed? We recommend that the City use a combination of the new FD 200Ti/First Data 200Ti Wi-Fi terminals with the FD35 PIN pads and our Wells Fargo Payment Gateway virtual terminal option. For information on the EMV capable FD200 terminals with TeleCheck and the FD 35 EMV pin pad. That support smartcard, contactless payments and mobile wallet payments, see Appendix B. For more information on Mobile payments, see Appendix G. For more information on our gateways service, see Appendix D. ii. Who should order them and how? You can order supplies by contacting either your merchant services relationship manager or our Wells Fargo Merchant Services Supplies Desk at 1-800-451-5817. iii. From whom and where they are to be ordered? Wells Fargo Merchant Services Supplies Desk at 1-800-451-5817. iv. What time schedules should be used for placing orders? Most items are well stocked and ship out within 48 hours. v. Please list the costs to replace existing hardware/software. Please list financing options or other replacement considerations Respondent may desire to propose to the City. For detailed pricing information, see Appendix A. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 23. Error detection a. It is important that the Respondent does everything possible to identify errors for the City of Denton. Describe actions the Respondent will take to identify and correct errors. Include how different errors will be handled such as interchange rates, late daily settlements, etc. Also include methods for notifying the City of Denton of these errors and advise what level of support front line custodians will be provided during all business hours. Your merchant services relationship manager will be your main contact for customer service. They will work closely with the City in correcting any errors and executing and account or transactional reviews needed to ensure that the City’s accounts are up and running smoothly. Reporting options We offer daily reporting that provides the ability to delete transactions that did not settle as well as Interchange Rate Analysis, which identifies transactions with higher processing costs. You can also call our customer service unit. Our customer service line is provided in-house and in association with our processing partner, First Data Merchant Services. From coast to coast, you have access to customer services team members who are available to help you. You will have an annual business review with your merchant services relationship manager. We customize this meeting to meet your needs and we can schedule it as often as you need. The main topics covered include:  Processing volume  Chargebacks  Interchange qualification and optimization  Industry trends and patterns  New products and services 24. POP signage a. Identify the requirements regarding POP signage and formats for mail-in forms. Please describe as much of this information as possible. Once we have opened and activated your merchant account, you will receive a complimentary Welcome Kit with supplies to help you get started. The kit includes card payment network decals (Visa, MasterCard, Discover, and American Express), receipt roll paper, sales drafts, and credit slips. When you need to refill or order more supplies, call our Merchant service customer service number 1-800-451-5817 and they will help you get what you need for your specific business and equipment, and they will discuss any costs with you. We do not provide advertising allowances. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 25. Chargebacks and copy requests a. The City of Denton expects to maintain transaction copies. Please explain requirements that must be followed regarding these receipts and the penalties for not doing so. Explain how the Respondent will handle any copy requests or chargebacks for the City of Denton. The City of Denton expects the Respondent to fully represent its position in the event of any type of dispute with one of the card companies. Processes are based on individual regulations by card type and take into account various merchant configurations and processing needs. Based on rules and regulations, we provide substitute draft processing. This fulfills retrieval requests with required data elements, when applicable, and eliminates unnecessary retrieval requests. In these instances, we respond on our merchants' behalf. In order to properly fulfill the request, you must:  Make a legible copy of the original sales draft  Make a copy of any agreements or order forms, where applicable  Make a copy of the credit draft if credit has already been issued  Write the case number from the retrieval request on each page of the request  Fax, mail, or submit online all copies of the retrieval request, as appropriate For retrieval requests that we cannot fulfill, you have 20 calendar days to respond. We can process your request if your response is received after this timeframe, as long as it is still within the Payment Networks timeframe. The timeframe is typically 20 to 30 days and dependent on the respective card issuer. The turnaround time for ticket retrieval requests varies based on the specific card issuer and the reason for the request. 26. Training and reference manuals a. It is the Respondent’s responsibility to ensure that the City of Denton staff is thoroughly trained before the program launch will be considered final. Describe the requirements for installing and using the equipment. Include explanations of time, skill, and resource requirements. Describe any manuals, videos, or other materials that will be provided; if possible provide samples. Initial new merchant training Once the conversion is complete, your implementation project manager and wholesale implementation management team will properly train you and your staff on any new systems installed and any new or changed processes. Then, after a month of processing, your implementation project manager will review your account to ensure your transactions are processed according to plan and are qualifying at the appropriate Interchange levels. This person will then make any necessary adjustments. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Ongoing training With your account setup complete and your transactions processing correctly, the implementation project manager will transfer the relationship to your merchant services relationship manager. Your merchant services relationship manager will be in regular contact with you through conference calls and will be there to help you handle any payment processing service issues, pricing questions, product consultations, and industry inquiries as often as the City needs. He or she will also provide information on new technology, modifications and improvements, and significant industry changes. There is no cost for ongoing training. Updates and dissemination of industry changes Wells Fargo Merchant Services works closely with government agencies and the Payment Networks in order to maintain compliance with all legal and regulatory requirements. Your merchant services relationship manager will make a best effort to communicate upcoming regulatory or compliance changes and work with you to obtain the most current training material; however, we do not assume responsibility for the compliance of the City beyond the initial boarding process. Maintaining compliance and staying abreast of compliance changes is ultimately the responsibility of the City. New product and system releases Should the City choose to implement any new services, your implementation project manager will work with you and your staff on training of new systems or software. For any system releases or updates that impact processes, your merchant services relationship manager will work with you and your staff to understand process changes related to the release or update. 27. Escalation procedures a. Indicate what procedures are in place in the event that a problem with the program needs to be brought to the attention of the Respondent’s management. This applies to both the implementation process and for situations that may occur once the program is fully operational. Yes. In addition to your Wells Fargo treasury management and commercial banking teams, you will be assigned a merchant services relationship manager. This person will be your main contact for your merchant service customer service needs, including day-to-day communication and issue resolution. Your assigned merchant services relationship manager will be in regular contact with you and is there to help you with all aspects of your card processing, including providing information on:  New technology  Modifications and improvements  Significant industry changes Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Your merchant services relationship manager’s main responsibilities include:  Communicating and helping you understand PCI DSS requirements  Handling research requests  Monitoring for spikes in Interchange downgrades and chargebacks  Activating new locations  Reviewing pricing and initiating contract renewals  Discussing benefits of upgrading equipment If your assigned merchant services relationship manager is out of the office, a backup will be assigned to cover your account. The backup will be identified on your merchant services relationship manager’s voice mail and email. In addition, you can contact the relationship management team’s area manager for urgent issues or requests. Additionally, if the need for escalation arises, your merchant services relationship manager will involve the appropriate and necessary parties in order to resolve your issues. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Part 2: Optional electronic check processing 1. Check conversion (verifications and guarantee) a. Provide a service that converts paper checks into electronic items at the point of purchase and accounts receivable environment (POP & MOTO) and initiate a direct ACH deposit of funds into the City’s bank account. Converted checks will either be verified or guaranteed depending on location within the City. Explain the services available. Terminal Check acceptance for the electronic age FD 200 Terminals: Make approval decisions instantly. When you add the TeleCheck ECA warranty service to your existing POS terminal, it takes only seconds to scan the customer’s paper check and receive an immediate approve or decline decision. Armed with this information, you can improve customer service, increase sales, and reduce fraud risk. Deposit funds electronically: Once you scan the check, the TeleCheck ECA warranty service automatically converts the payment to an ACH transaction. ACH deposits eliminate time- consuming trips to the bank and extend your window for same-day deposits to 11:00 p.m. CT. Best of all, your funds are guaranteed for approved checks and credited to your account within two business days. Wells Fargo Payment Gateway Yes. With our gateway service, you can accept electronic check payments. When your customers submit their payment information, the service automatically checks for proper routing and transit numbers, as well as account number structures — all in real time. Our service takes the check information and prepares a NACHA file for further ACH processing. With our Wells Fargo ACH services, we route the files to the appropriate financial institutions for debiting of your customers’ bank accounts. This feature allows the City to receive their payments much faster than traditional paper check payments. The gateway service supports four ACH payment types:  WEB: Single and recurring consumer debits initiated through the internet  TEL: Single consumer debits initiated through telephone  CCD: Commercial debit and credit entries  PPD: Consumer credits and debits authorized by signature Wells Fargo Merchant Services can offer the following related services: The Wells Fargo Perfect NOC® service compares all transactions against previously received notifications of change (NOC) and automatically updates any outdated information. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 b. Explain the check conversion process and any requirements for the City in handling or retaining voided or electronically processed checks. Terminal The FD200 terminal automatically voids ECA approved checks. This terminal features a built‑in check reader and imager that processes checks through the TeleCheck Electronic Check Acceptance (ECA) service, which verifies the customer’s checking history and guarantees the face value of the check up to $25,000, provided the check meets all necessary warranty requirements for electronic acceptance. In addition to substantially lowering the merchant’s risk, customers’ personal information is protected too, because approved checks are returned to the check writer after scanning. Electronic Check Acceptance eliminates the need for time-consuming trips to the bank to deposit paper checks. Electronically processed checks are typically funded to the merchant’s DDA within two to three business days. Wells Fargo Payment Gateway Using the Wells Fargo Payment Gateway service, you can accept electronic checks as a form of payment from your customers. When paying by electronic check, your customers will provide their bank account information to you for transmission to the Wells Fargo Payment Gateway service. The Wells Fargo Payment Gateway service will then create an Automated Clearing House (ACH) item based on your transaction information and submit it to the Wells Fargo ACH service for processing. Information about the electronic check items is presented in your Wells Fargo Payment Gateway reports alongside other payment types. ACH origination You will need to become an ACH originator through Wells Fargo ACH in order to accept electronic check transactions. To qualify for ACH origination, you must be pre-approved and sign an ACH Service Agreement. By signing the ACH Service Agreement, you agree to comply with National Automated Clearing House Association (NACHA) guidelines. For details about NACHA rules, refer to the ACH Rules Corporate Edition, which you can find on the NACHA website at http://www.nacha.org. In addition to the Wells Fargo ACH agreement and NACHA rules, your ACH transactions may also be subject to other laws and regulations, such as Regulation E, Uniform Commercial Code, Regulation CC, and state laws. Consult with your legal counsel to confirm the laws and regulations with which you must comply.  Voids: Voids a captured transaction prior to the gateway settlement cutoff time of 11:00 a.m. CT. A void does not automatically reverse an authorization request. However, a separate Visa authorization may be requested in conjunction with a void request. Authorization reversals for other card types except American Express are also available. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 c. Must provide daily settlement of the City’s transactions in accordance with City’s approved procedures and time periods. Cash receipts in the settlement account must reconcile with the submitted batch report each day. In the following table, we list the latest times that you can transmit sales transactions to meet the settlement times. Platform Latest transmission time (Central) CardNet 1:00 a.m. PayPal PayFlow Pro on CardNet 8:00 p.m. PayPal PayFlow Link Gateway on CardNet 8:00 p.m. Nashville 1:00 a.m. PayPal PayFlow Pro on Nashville 11:00 p.m. PayPal PayFlow Link Gateway on Nashville 11:00 p.m. Authorize.net Gateway on Nashville 5:00 p.m. FDI Global 11:00 p.m. The latest time for settlement of closed batches for dial-up solutions is 1:00 a.m. CT. Wells Fargo Merchant Services will also transmit settlement files to: Latest transmission time (Central) American Express 10:00 a.m. Discover Network 4:00 a.m. and 5:00 a.m. Wells Fargo Payment Gateway service (international processing ) 11:00 p.m. Wells Fargo Payment Gateway service (eCheck) 4:00 p.m. . Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 d. Describe the service’s reporting capabilities. Must have the capability of providing daily batch reports by cashier and location reference number. Yes. We can meet all of the City’s reconciliation requirements. We offer daily batch reports and location reporting by MID. You can view reports online and group information by locations, by their relationship to each other, to banks, and to external business entities. The City can view information at the lead corporate, corporate, or location level based on your access level. Hierarchy level Description Lead Corporate level (corporate) (Non-mandatory) Identifies if multiple chaining structures are part of a large corporation. Allows entitled users to view reporting from Lead Corporate level down to Location level. Corporate level (chain) (Mandatory for multiple outlets of same company) Identifies if the merchant structure is a single chain or part of a corporation. Allows entitled users to view reporting from Corporate level down to Location level. Location level (outlet) (Mandatory for single-location merchants) Identifies that the merchant structure is at the Location level only and is not part of a chain or corporation. Allows entitled users to view Location level reporting only. e. Explain how returned checks will be handled when using check verification or the check guarantee services listed above. Terminal Eliminate returned checks The TeleCheck ECA warranty service takes the risk out of accepting checks. Under this service, when a check is approved through TeleCheck ECA at POS, you never pay the bank’s returned-item fee or receive a return for nonsufficient funds. You save time and maximize sales. TeleCheck Electronic Check Acceptance (ECA) warranty service Product overview TeleCheck Services, Inc. is the world’s largest check acceptance company, providing Electronic Check Acceptance (ECA), Warranty services and Small Ticket. TeleCheck helps merchants eliminate the risk of bad checks by providing access to the industry’s largest and most accurately maintained databases and risk management systems. With TeleCheck, the City can accept checks and build business by offering a liberal check acceptance policy. Electronic Check Acceptance (ECA) TeleCheck brings the power and convenience of electronic check to the point- of-sale with the ECA service. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 This process allows the City to accept checks as quickly, safely, and easily as credit cards while improving the cash flow of your business. In fact, it is so quick that it only takes four steps and is often referred to as our R.S.V.P. product.  R. run it  S. stamp it  V. void it  P. pass it back Benefits to the City Increases productivity:  Helps eliminate the need to deposit checks at the bank  Electronic settlement reduces time spent reconciling and preparing deposits Reduces check-processing fees:  Helps eliminate bank charges associated with accepting checks Increases customer satisfaction:  Advanced terminal solution reduces transaction time  Maintains accountability as a complete record of transaction appears on the customer’s bank statement Reduces risks:  The City does not pay check fees and never knows of returned checks  Warranty maximum is $25,000 per electronic check Simplifies operations:  Easy to use, easy to train employees Wells Fargo Payment Gateway  Refund: Partial and full refunds of previous captured transactions; stand- alone refunds (no previous capture) are also supported.  Voids: Voids a captured transaction prior to the gateway settlement cutoff time of 11:00 a.m. CT. A void does not automatically reverse an authorization request. However, a separate Visa authorization may be requested in conjunction with a void request. Authorization reversals for other card types except American Express are also available. Electronic checks With our gateway service, you can either accept electronic checks through the virtual terminal function or your customers can enter their payment information into your e-Pay system. Once the information is collected, our gateway service validates the payment data. If the transaction is accepted, the gateway service automatically prepares check information into a NACHA file for further ACH processing. Then, with our Wells Fargo ACH services, files are routed to the appropriate financial institutions for debiting of your customers’ bank accounts. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 2. Check verification a. Provide a service that uses negative and activity data, in addition to other tools to issue a response code back to the City allowing the City to determine whether or not to accept a check. Please describe the services available. Terminal Check acceptance for the electronic age FD 200 Terminals: Make approval decisions instantly. When you add the TeleCheck ECA warranty service to your existing POS terminal, it takes only seconds to scan the customer’s paper check and receive an immediate approve or decline decision. Armed with this information, you can improve customer service, increase sales, and reduce fraud risk. For information on the TeleCheck service, see Appendix B. Wells Fargo Payment Gateway With our gateway service, either you can accept electronic checks through the virtual terminal function or your customers can enter their payment information into your e-Pay system. Once the information is collected, our gateway service validates the payment data. If the transaction is accepted, the gateway service automatically prepares check information into a NACHA file for further ACH processing. Then, with our Wells Fargo ACH services, files are routed to the appropriate financial institutions for debiting of your customers’ bank accounts. The Wells Fargo Payment Gateway service allows you to automate fraud filters and keep manual reviews to a minimum without cannibalizing good orders. Some of the screening features include:  AVS (card association address verification)  Verification by Visa and MasterCard® card SecureCode  CVV2, CVC2, CID (verification of three or four digit verification number on card) 3. Check guarantee a. Provide a service that uses negative and activity data, in addition to other tools to issue a response code back to the City allowing the City to determine whether or not to accept a check. Checks approved through this service will be backed by the Respondent. Please describe the services available. Terminal: FD200 with TeleCheck service TeleCheck Electronic Check Acceptance (ECA) warranty service TeleCheck Services, Inc. is the world’s largest check acceptance company, providing Electronic Check Acceptance (ECA), Warranty services and Small Ticket. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 TeleCheck helps merchants eliminate the risk of bad checks by providing access to the industry’s largest and most accurately maintained databases and risk management systems. With TeleCheck, the City can accept checks and build business by offering a liberal check acceptance policy. Electronic Check Acceptance (ECA) TeleCheck brings the power and convenience of electronic check to the point- of-sale with the ECA service. This process allows the City to accept checks as quickly, safely, and easily as credit cards while improving the cash flow of your business. In fact, it is so quick that it only takes four steps and is often referred to as our R.S.V.P. product.  R. run it  S. stamp it  V. void it  P. pass it back Benefits to the City Increases productivity:  Helps eliminate the need to deposit checks at the bank  Electronic settlement reduces time spent reconciling and preparing deposits Reduces check-processing fees:  Helps eliminate bank charges associated with accepting checks Increases customer satisfaction:  Advanced terminal solution reduces transaction time  Maintains accountability as a complete record of transaction appears on the customer’s bank statement Reduces risks:  The City does not pay check fees and never knows of returned checks  Warranty maximum is $25,000 per electronic check Simplifies operations: For information on the TeleCheck service, see Appendix B. Wells Fargo Payment Gateway With our gateway service, either you can accept electronic checks through the virtual terminal function or your customers can enter their payment information into your e-Pay system. Once the information is collected, our gateway service validates the payment data. If the transaction is accepted, the gateway service automatically prepares check information into a NACHA file for further ACH processing. Then, with our Wells Fargo ACH services, files are routed to the appropriate financial institutions for debiting of your customers’ bank accounts. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Fraud controls Additionally, when you use our online gateway service you have a powerful fraud prevention tool at your disposal. The Decision Manager service within our gateway is an optional administration dashboard that provides you with an automated and streamlined fraud management operation. This service uses global validation services, the business-user rule management console, and case management. Decision Manager makes it easy to adopt and manage fraud at a completely new level. The Wells Fargo Payment Gateway service allows you to automate fraud filters and keep manual reviews to a minimum without cannibalizing good orders. Some of the screening features include:  Access to over 150 global validation tests and services  Device fingerprinting  Velocity monitoring  IP Geolocation  Multi-merchant transaction histories/shared data  Global telephone directories  Global delivery address verification services  Positive and negative list  AVS (card association address verification)  Verification by Visa and MasterCard card SecureCode  CVV2, CVC2, CID (verification of three or four digit verification number on card)  Custom fields for your own data We’d like to discuss this fraud tool with you in greater detail. There are many different ways that you can set this tool up to help you fight fraud For more information on Decision Manager, see Appendix E. b. The City of Denton is to receive 100% of its check collections. Returned checks will be the responsibility of the Respondent. Explain how returned checks will be handled. Terminal With the addition of the TeleCheck service, the City can eliminate returned checks. The TeleCheck ECA warranty service takes the risk out of accepting checks. Under this service, when a check is approved through TeleCheck ECA at POS, you never pay the bank’s returned-item fee or receive a return for nonsufficient funds. You save time and maximize sales. The TeleCheck ECA warranty service improves customer satisfaction and saves you the hassle and expense of NSF fees and the collection process. For more information on Telecheck Electronic Check Acceptance (ECA) and the EMV capable FD200 terminals, see Appendix B. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Wells Fargo Payment Gateway Our gateway service supports the following transaction types 24 hours a day, 365 days a year: Refund Partial and full refunds of previous captured transactions; stand-alone refunds (no previous capture) are also supported. Voids Voids capture transaction prior to the gateway settlement cutoff time of 7:00 p.m. CT. A void does not automatically reverse an authorization request. However, a separate Visa authorization may be requested in conjunction with a void request. Reporting and reconciliation Our Wells Fargo Payment Gateway service provides enhanced reporting tools that allows you to reconcile payments through all aspects of the payment cycle, including chargebacks and returns. You have the ability to view and search for all aspects of each transaction through a streamlined online interface, or you can integrate payment data into its own system using industry standard Web technologies. c.Identify all subcontractors to be used for these services and what procedures will be used to monitory quality. Terminal In 1993, Wells Fargo and First Data Merchant Services joined to create Wells Fargo Merchant Services, LLC. Wells Fargo Merchant Services offers completely integrated processing. Wells Fargo Merchant Services is PCI DSS compliant as a merchant acquirer. A Qualified Security Assessor (QSA) has validated all subcontractors and third-party card processing partners, as Payment Card Industry Data Security Standards (PCI DSS) compliant. You can confirm a specific provider’s PCI DSS validation on the Visa list available at www.visa.com/cisp. Wells Fargo Payment Gateway Yes. Wells Fargo partners with CyberSource, a Visa company, to offer our gateway service. CyberSource is PCI-compliant and audited annually by a third-party assessor. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 4.Technology requirements a.It is critical that the system installed at the City of Denton be a fully hosted system, incorporates current technology and fully integrates with our existing web processor and provides smooth and efficient transaction processing. Describe the type of equipment and support to be provided. Respondent must be able to fully integrate into the City’s existing software via an Application Program Interface (API) set up by Paymentus (formerly, Teleworks), an outside technology firm contracted by the City. Terminal Check acceptance for the electronic age: The FD 200 terminals are very easy to use and all the software is maintained and updated for you. The First Data 200Ti/First Data 200Ti Wi-Fi operates using an internet (IP) or dial-up connection, with optional Wi-Fi. Today’s customers want the ability to use their preferred payment method, and this is the tool for the job. Business types supported Retail, Restaurant, Quick Service, Petroleum1, and Direct Marketing (MOTO)2 Product benefits Easy installation — Get up and running quickly with the intuitive touch- screen Display for ease of use Accept multiple payment For more information on Telecheck Electronic Check Acceptance (ECA) and the EMV capable FD200 terminals, see Appendix B. Wells Fargo Payment Gateway Our Wells Fargo Payment Gateway service can be integrated to work with any application that supports web services. Many third parties, such as shopping carts, cashiering, and Interactive Voice Response (IVR) applications already have interfaces compatible with the Wells Fargo Payment Gateway service’s core technical specifications. Integration methods You can choose an integration method that works best for your business model. You can choose from fast and simple methods or more advanced options that give you greater flexibility and control. Virtual terminal Use our service’s easiest payment solution to enter credit card orders, issue credits, and generate receipts. Your virtual terminal can be up and running in as little as 15 minutes. Your staff can use this tool for any transactions that need to be processed outside web or integration payments. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Secure Acceptance Web/Mobile Accept payments from any browser – web or mobile, while benefiting from language packs and other easily configurable options. With this hosted payment solution, card data will bypass your network and travel directly from end-user consumer to us, greatly simplifying the PCI compliance process. Secure Acceptance Silent Order POST Host your own order page and post payment data to us to process each transaction. With this direct post solution, card data will still bypass your network and travel directly from end-user consumer to Wells Fargo Merchant Services. This, too, can greatly simplify the PCI compliance process. Silent Order POST also supports full customization. Simple Order API With the Simple Order API, you will have scalability, full range of services, and more control for your developers. We provide the client software and your IT staff codes to our API specifications. You’ll have access to all the gateway’s transaction services. SOAP Toolkit API With the SOAP Toolkit API, you will still have scalability, full range of services, and more control for your developers. You’ll use or build your own client software that fits your business model and needs. With the open nature of this solution, you can integrate using this method. You’ll then have access to all the gateway’s transaction services. Secure storage With our Wells Fargo Payment Gateway service with secure acceptance, we can remove sensitive card data from your systems and securely store it within our fully hosted gateway service. That way, none of the secure data touches your systems, reducing your scope for PCI compliance. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 API programming chart: Linux Solaris Windows NVP SOAP XML NVP SOAP XML NVP SOAP XML ASP/COM ■ ■ C ■ ■ ■ ■ Java ■ ■ ■ ■ ■ ■ .NET ■ ■ ■ PHP ■ ■ ■ ■ Perl ■ ■ ■ ■ For a complete list of Wells Fargo Payment Gateway integration methods, see Appendix F. b. Point of Purchase processing terminals for handling check conversion (verification and guarantee), and batching are to be connected to existing Microsoft Windows-based desktop computers through standard peripheral connections, such as COM or USB (preferred). The terminal peripherals would utilize software present on the computer, either an installed software client or a web-browser-based control interface, to communicate via the Internet with the Respondent’s host system for purposes of communicating transaction information at the point of purchase. Client software would provide for receipt printing of all transactions, with capability to re-print receipts if necessary. Software interface must be capable of handling check transactions and associate with the correct fee schedule. Terminal Check acceptance for the electronic age Make approval decisions instantly. When you add the TeleCheck ECA warranty service to your existing POS terminal, it takes only seconds to scan the customer’s paper check and receive an immediate approve or decline decision. Armed with this information, you can improve customer service, increase sales, and reduce fraud risk. Deposit funds electronically. Once you scan the check, the TeleCheck ECA warranty service automatically converts the payment to an ACH transaction. ACH deposits eliminate time-consuming trips to the bank and extend your window for same-day deposits to 11:00 p.m. CT. Best of all, your funds are guaranteed for approved checks. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 First Data 200Ti/First Data 200Ti Wi-Fi terminal features  128 x 64 touch-screen technology  Integrated check reader/imager with separate 32-bit ARM9 400 MHZ CPU  Wi-Fi capability (optional)  96MB RAM standard memory  Five USB and two serial ports  Dual built-in printers: Thermal printer for credit card receipts prints 15 lines per second; inkjet defacement printer only prints VOID on the face of the check to help conserve ink and costs  FD200 terminals support contactless payment technology with the appropriate peripheral. c. Transaction data would need to be captured and cataloged according to the following hierarchy: City of Denton >> Department >> Location >> Operator >> Batch ID. Reporting capabilities would need to be provided to allow the City to research and reconcile transactions passing through the Respondent. This reporting should be web-based, and accessible in real-time. Transaction data should be captured either locally on a City provided database and hardware platform or remotely at the Respondent’s location as long as reporting needs are effectively met. Getting the information you need when you need it, is important to many businesses like yours. That’s why you can access your payments-related data quickly and easily with our online merchant reporting tool, BusinessTrack. From any internet-based PC, you can access and analyze transaction detail for all card types, conduct sales audits, manage processing fees, reconcile your checking account, investigate chargebacks, protect against losses, view historical information for analysis, and manage cash flow. Reports available The ClientLine reporting tool features six types of Sales and Funding reports. Report name Description Transactions Transactional reports for reconciling to a POS or looking at overall transaction volume Bank Deposits Funding reports for reconciling to your bank account Adjustments Deductions made from your total sales (chargebacks, fees, Interchange charges, etc. Refunds Refund data for monitoring of potential fraud Debit Suspense* Authorized PIN debit transactions for which payment could not be received from the issuer *applicable only to merchants accepting PIN debit Today’s Data* Total funding amount to be paid today *applicable only to merchants set up for same funding . The Report Wizard lets you custom build each report to your own specifications. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Please refer to the Appendix C for our merchant services standard reports, including detail and summary reports. How it works Rather than waiting for a report, you conduct the analysis that suits you, exactly when you need it. The City can select from more than 100 available reports or create your own by choosing which fields to include, from a comprehensive database that includes the processing of gift cards, checks, and all credit, debit, and Electronic Benefits Transfer (EBT) card transactions. You decide what information you need to manage your business. You can receive reports directly to a fax machine or an email box in various file formats (PDF, DOC, XLS, and CSV) and can schedule them to arrive daily, weekly, monthly, quarterly, or annually. Features  Standardized, web-based reports that give you access virtually any time to payment processing information  Dashboard view for a snapshot of essential processing information, including the most recently posted, and for funded transactions and fees  Detailed reports for drilling down into specific locations, transaction types, adjustments, and more  Summary information for up to 13 months  Query builder to construct reports based on selected fields, across selected merchant locations  Reporting that can be emailed or faxed wherever you need  Credit, debit, and gift card activity summaries for any selected time period  Dispute reporting to help you manage chargeback and retrieval expenses Help your organization  Access payment processing information 24 hours a day, 365 days a year  Reduce calls to customer service departments  Drill down into funding events and reconcile total sales  Create reports and schedule their distribution You can visit www.BusinessTrack.com for an online tour. d. Provide technology specifications for use of all proposed electronic systems and services. Terminal Check acceptance for the electronic age: The FD 200 terminals are very easy to use and all the software is maintained and updated for you. The First Data 200Ti/First Data 200Ti Wi-Fi operates using an internet (IP) or dial-up connection, with optional Wi-Fi. Today’s customers want the ability to use their preferred payment method, and this is the tool for the job. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 First Data 200Ti/First Data 200Ti Wi-Fi terminal features  128 x 64 touch-screen technology  Integrated check reader/imager with separate 32-bit ARM9 400 MHZ CPU  Wi-Fi capability (optional)  96MB RAM standard memory  Five USB and two serial ports  Dual built-in printers: Thermal printer for credit card receipts prints 15 lines per second; inkjet defacement printer only prints VOID on the face of the check to help conserve ink and costs  FD200 terminals support contactless payment technology with the appropriate peripheral. First Data FD35 PIN Pad features  128 x 64 touch-screen technology  Accepts magnetic stripe cards, EMV1 chip cards, contactless cards and key fobs, and mobile phone payments  Payment Card Industry PIN Entry Device (PCI-PED) approved device2  Easy-to-use interface with visual display prompts, lights, and audio cues for customers  Does not require a separate power supply Wells Fargo Payment Gateway API programing chart: Linux Solaris Windows NVP SOAP XML NVP SOAP XML NVP SOAP XML ASP/COM ■ ■ C ■ ■ ■ ■ Java ■ ■ ■ ■ ■ ■ .NET ■ ■ ■ PHP ■ ■ ■ ■ Perl ■ ■ ■ ■ For a complete list of Wells Fargo Payment Gateway integration methods, see Appendix F. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 5.Point of purchase equipment a.Please list any hardware/software requirements for this service and the costs to replace existing hardware/software. Please list financing options or other replacement considerations Respondent may desire to propose to the City. Terminal We recommend that the City use the new FD200 terminals that use internet based software. All software updates are maintained for the City. We recommend that the City use the FD 200 terminal which does both card and check plus the FD 35 EMV pin pad to support smartcard/contactless payments Your purchased equipment has a one-year full replacement agreement and after that year, you can exchange equipment for $225.00. You can swap your rental equipment at no cost if it malfunctions, and you can swap your leased equipment at no cost if it malfunctions during the time of lease. You will need a new lease if your existing equipment is no longer available. Our replacement fee policy is detailed in the following paragraphs. The City will not be charged for shipping and handling on equipment replacement orders. Monthly rental Your rental replacements will be shipped at no cost during the period the rental agreement is active. You may (depending on ship date) pay two rental fees until the broken unit is returned. Lease We can ship your lease replacements at no cost, provided you meet the following criteria: Your account is active and processing through Wells Fargo Merchant Services The City entered into the lease with First Data Global leasing through Wells Fargo Merchant Services Lease agreement is still active You will not be charged a fee for obsolete equipment requiring an upgrade but will be responsible for any costs associated with the upgrade (such as increased monthly costs and upgrade fees). Resale or installment purchase You will receive a replacement at no charge if you order the replacement within one year of the original purchased equipment deployment date. After the one-year warranty, your replacement policy applies. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 City-owned You will be charged the following replacement fees, provided no maintenance fee is currently on the account. Terminal with an integrated printer: $225.00 FD 35PIN pad: $160.00 You will not pay more than one replacement fee on the same piece of equipment within 90 days*. *Our equipment vendor will ship a total of three call tags for all replaced equipment. If the replaced equipment is not received within 90 days of the equipment replacement, you will be charged for non-returned equipment. For more information on the EMV capable FD200 terminals the FD 35 EMV pin pad to support smartcard/contactless payments see Appendix B. b.Check Processor – Industry standard hardware utilizing horseshoe bend-style check processor with COM or USB (preferred) connectivity to interface with current Microsoft Windows-based desktop computer. Processor must perform MICR capture, two-sided check imaging, and electronically franked “presented”. Terminal First Data 200Ti/First Data 200Ti Wi-Fi terminal features 128 x 64 touch-screen technology Integrated check reader/imager with separate 32-bit ARM9 400 MHZ CPU Wi-Fi capability (optional) 96MB RAM standard memory Five USB and two serial ports Dual built-in printers — Thermal printer for credit card receipts prints 15 lines per second; inkjet defacement printer only prints VOID on the face of the check to help conserve ink and costs FD200 terminals support contactless payment technology with the appropriate peripheral. 6.Escalation procedures a.Indicate what procedures are in place in the event that a problem with the program needs to be brought to the attention of the Respondent’s management. This applies to both the implementation process and for situations that may occur once the program is fully operational. If the need for escalation arises, your merchant services relationship manager will involve the appropriate and necessary parties in order to resolve your issues. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 14.Equipment schedule The respondent shall provide an equipment schedule for the proposed solution. For information on the equipment schedule, and what to expect during the implementation process, see Appendix H. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Check when Completed Task to be Completed by Respondent X Exhibit 1 – Pricing sheet X Review Exhibit 2 – General Provisions and Terms and Conditions X Review Exhibit 3 – Scope of Work/Technical Specifications X Cover sheet X Solicitation number X Solicitation name X Firm name X Firm address X Contact name X Contact phone X Contact fax X Website address X Contact email address X Solicitation Checklist X Equipment Schedule ( Section 14 of Main RFP) X Submission of Sample Monthly Statement (Section 15 of Main RFP) X Attachment A- Business Overview Questionnaire X Document how firm meets minimum qualifications (Section 3) X Detail to support evaluation criteria X Attachment B – Exception Form X Attachment D – Reference Form X Attachment E – Conflict of Interest Questionnaire Form – with signature X Attachment F - Acknowledgment X Acknowledgment of Addenda X Submission signed by authorized officer, in the order specified below NA Hard Copy Submission: If submitting a hard copy, the City requires one (1) original and three (3) copies, with the pricing sheet submitted electronically in excel or emailed in excel to Ebids@cityofdenton.com with the Solicitation # and name in the subject line. X Electronic Submission: If submitting an electronic proposal only, email to Ebids@cityofdenton.com with the Solicitation # and name in the subject line. The pricing sheet (Exhibit 1) must be in excel format. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 ATTACHMENT A-BUSINESS OVER VIEW QUESTIONNAIRE AND FORMS 1.Contract Information ( for fomial contracting purposes): The following information will be used to write a contract, should your firm be selected.for award •Finn's Legal Name:Wells Fargo Merc hant Services, LLC •Address:Wells Fargo Merchant Services, LLC 1200 Montego Way Walnut Creek, CA 94598 •Agent Authorized to sign contract (Name): Chichi Ogbuagu •Agent's email address: Chichi.ogbuagu@wellsfargo.com 2.Subsidiary of: Wells Fargo Bank NA 3.Organization Class (circle): Partnership 4.Tax Payer ID#: Federal ID#: 68-0338392 5.Date Established:State article signed 8/5/1997 6.Historically Underntilized Business: Yes or No Individual Association 7.Does your company have an established physical presence in the State of Texas, or the City ofDenton? Yes or No, in which? 8.Please provide a detailed listing of all products and/or services that your company provides. We provide services to handle all of your card present or card not present needs. Including tenninal, gateway or virtual terminal. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 9.Has your company filed or been named in any litigation involving your company and the Owner on a contract within the last five years under your current company name or any other company name? If so provide details of the issues and resolution if available. Include lawsuits where Owner was involved. This request is extremely broad in scope, and, at any given time, an organization the size of Wells Fargo may be subject to the aforementioned actions, some or all of which may be confidential in nature. At this time, and to the best knowledge of the Wells Fargo representatives pre paring this response, Wells Fargo has not been subject to any of the aforementioned action within the past five years that would have a material adverse impact on our ability to provide the services requested in this RFP. 10.Have you ever default ed on or failed to complete a contract un der your current company name or any other company name? If so, where and why? Give name and tele phone number of Owner. Again, this request is extremely broad in scope, and, at any given time, an organization the size of Wells Fargo may be subject to the aforementioned actions, some or all of which may be confidential in nature. At this time, and to the best knowledge of the Wells Fargo representatives preparing this response, Wells Fargo has not been subject to any of the aforementioned action within the past five years that would have a material adverse impact on our ability to provide the services requested in this RFP. 11.Have you ever had a contract terminated by the Owner? If so, where and why? Give name and telephone number (s) of Owner (s). 12.As mentioned before, this request is extremely broad in scope, and, at any given time, an organization the size of Wells Fargo may be subject to the aforementioned actions, some or all of which may be confidential in nature. At this time, and to the best knowledge of the Wells Fargo representatives pre paring this response, Wells Fargo has not been subject to any of the aforementioned action within the past five years that would have a material adverse impact on our ability to provide the services requested in this RFP. 13.Has your company implemented an Employee Health and Safety Program compliant with 29 CFR 1910 "General Industry Standards" and/or 29 CFR 1926 "General Construction Standards" as they apply to your Company's customaty activities? http://www.osha.gov/pls/oshaweb/owasrch.search form?p doc type=STAND ARDS&p toe level=1&p keyvalue=1926 14.Resident/Non-Resident Bidder Det ermination: Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Texas Government Code Section 2252.002: Non-resident bidders. Texas law prohibits cities and other governmental units from awarding contracts to a non-resident fum unless the amount of such a bid is lower than the lowest bid by a Texas resident by the amount the Texas resident would be !·equired to underbid in the non-resident bidders' state. In order to make this dete1mination, please provide the name, address and phone number of: a.Responding foms principle place of business:Wells Fargo Merchant Services, LLC 1200 Montego WayWalnut Creek, CA 94598 b.Company's majority owner principle place of business: Same as above c.Ultimate Parent Company's principle place of business: Same as above Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 15.Provide details to support the evaluation criteria, including experience and delivery. Relationship manager Wells Fargo Merchant Services will assign the City a merchant services relationship manager who is responsible for providing proactive account management and superior ongoing support. Your merchant services relationship manager will be your main point of contact. In the unlikely event the City is unable to process transactions, your merchant services relationship manager will advise you of alternative processing procedures. You'll likely receive alternative procedures through email. Relationship team The following is a brief biography for your assigned sales team: As your relationship manager, Aaron is responsible for coordinating the team of specialists working on your banking relationship. He has over 15 years of public finance experience as a commercial banker, investment banker, derivative marketer, and deputy director of debt management for two of the nation's largest issuers of municipal debt. Aaron has worked with numerous issuers across the country to implement and execute creative financing and treasury management solutions. While working for issuers of municipal debt, he oversaw the issuance of several billion dollars of long-and short-term debt for the Chicago Park District and the State of Illinois. Aaron holds a B.A. in political science from North Central College. Chichi's primary responsibilities include working with the Wholesale Treasury Management group in implementing services for all non-cash account receivable merchant products. Chichi brings more than 10 years of experience in the areas of sales, business development, marketing, training, and customer service operations. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 ·,Kcithfyi{'.d .Kendrick, CTPNice P.residentTreasury·Management SalesConsultant . kath ry_11. kendrick@wellsfargo.com "303-863-6257 :: �"'" •�•�:.::1.-�--·u_• .'> ••.. - • ... • • �866,.:0.967:-4765 fax �:;:;-ti1i/>i'.i'. ·. :._.:,·. ti 7'.�0.J,\rf.01�'. �tree! i21st Floor• � · ". · . �ioenv�rf co:soio3 , -.-.· •, .. .i .• ·-. . Dixie Highfield, CTP Relationship Associate ! . . . . ' .. I • ... _d_i_ x_i'e_ .I. high�i,el_d_· _®wellsfargo.com i!;l�:::�!:J_9-;-�0�2 . 1:.Jr:r�;::r�:: Pa,kway -euilcting: i · · ·1st FloorAustin, TX 78735 Mary Beth Benton ,Treasury Management Sales ;;Analyst ? � '.: marybeth.benton@wellsfargo.com ; 972-599-4672 1 4975 Preston Park Blvd.I :Suite 350. Plano/TX 75093 I ...... ·.. . - . Kathy is responsible for providing customized treasury solutions for the City. She is dedicated to helping the City receive the most efficient and cost-effective treasury management solutions, in addition to keeping you abreast of new and enhanced treasury services and trends. Kathy has more than 20 years of experience with treasury management and is a member of the Rocky Mountain Association for Financial Professionals. Kathy has the Certified Treasury Professional (CTP) designation. She received the Certified Cash Manager designation in 1996 that was later converted to the CTP designation. Dixie works with your relationship manager to help enhance the customer service experience. She serves as the liaison between you and the various departments of the bank and acts as a backup when your relationship manager is not in the office. Dixie brings more than 11 years of experience to her current position and more than 18 years of experience in banking. Dixie earned her Certified Treasury Professional Designation in 2006. She is a member of the National Association for Financial Professionals and a past president of the Nebraska Association for Financial Professionals. Mary Beth supports your treasury management sales consultant and will assist you with any treasury management questions when Kathy is unavailable. Mary Beth brings more than 20 years of banking experience to her current position. She assists you directly with any item s pertaining to the implementation of new services. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 16.Provide details on how firm meets the minimum qualifications stated in this Main document Section 3. a.The details must be completed on this form, and shall not point to another document in the respondent's proposal. b.Sign below and return form with final submission. PART 1: MINIMUM QUALIFICATIONS FOR DEBIT/CREDIT CARD PROCESSING The following minimum qualifications for debit/credit card processing must be demonstrated in order for the submission to be considered responsive to the City of Denton. Any submission received, which is determined to not meet these mandatory qualifications for debit/credit card processing shall be immediately disqualified and rejected as non­ responsive. •The Respondent must provide encryption, tokenization and Euro MasterCard Visa (EMV) capable equipment (contact and contactless) and software. o For Point of Purchase (POP) locations, provide specifications on EMV equipment being proposed. Yes we can provide EMV (contact and contactless) equipment as well as the accompanying specification. Out program includes tokenization and encryption. •The Respondent must provide thermal printer or other comparable printing equipment. Yes we can provide •Respondent must serve as the gateway, acquirer and processor through a fully integrated solution by themselves or through a third patty. In addition, Respondent must be able to fully integrate into the City's existing software via an Application Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Program Interface (API) set up by Paymentus (fo1merly, Teleworks) the City's payment integrator. We are able to provide fully integrated gateway, acquirer, and processor solutions. Regarding Paymentus we'll need to work with the vendor directly to discuss what middleware/gateway/software will need to be used. •The Respondent must be PCI DSS compliant. Yes •The Respondent must provide the following payment avenues: o Point of Purchase (POP) o Mail Order/Telephone Order (MOTO) o Virtual Terminal o Internet with and without convenience fee o Smart Phones and Tablets -we have systems that can display on a smart phone or tablet Yes we can support •The Respondent must provide next day settlement via ACH into the City's bank account. Settlement must be in Central Standard Time (CST) and each Merchant Identification Number (MID) must have auto-close at midnight CST. o The total of the settled batch amounts shall be posted to the City's bank account and not be reduced by the applicable discount fees (i.e. gross settlement). Yes we can support •The Respondent must provide mechanisms and systems for the City to accept Visa, MasterCard and Discover Debit/Credit Cards (PIN and signature based). Yes we can support •The Respondent must provide real time authorization including notification of decline and reason for decline. The Respondent must provide a toll-free number for verbal card authorizations, as needed. o An authorization number must be generated after processing a transaction successfully. o Proper monitoring and notification processes must be in place if an authorization fails. Yes we can support Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 •The Respondent must provide batch settlement per MID. Yes we can support •The Respondent must provide anti-fraud verification services as listed below: o Address Verification Service (street number, zip code). o Card Security Verification Service (Visa CVV2, MasterCard CVC2). o Any others as may be used in the future in the payment card industry. Yes we can support these functions •The Respondent must provide the notifications for chargebacks, refunds/credits, and adjustments. o The City's Finance Depaitment must receive notification of any chargeback or adjustment. o Chargebacks and adjustments cannot be combined and must post individually to the City's bank account. Yes we can support this functionality •The Respondent must provide a separate Merchant Identification Number (MID) for each location. The numbers must be grouped in hierarchy under a department structure. The numbers must also have the City's reference number imbedded in each MID which should be identified in the addenda information provided in the ACH funding process. This number is used for bank reconciliation purposes. Yes the City can have separate merchant numbers for each location grouped in a hierarchy by merchant number. The City will also be able to include cross reference numbers that can be embedded in merchant number. •The Respondent must provide the capability of systematically identifying and eliminating duplicate transactions. When we identify a duplicate transaction, we reject it for review and send you a letter with the transaction detail. You don't have to take further action if the transaction is a true duplicate. If you believe the transaction is valid, the letter contains instructions to have the transaction resubmitted. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Yes. A system function exists to reject duplicate transactions that occur within a 30-day time frame. The following information is stored in a database for subsequent matching against future batches for 30 days. •Merchant number •Cardholder account number •Transaction amount •Transaction date •Transaction type (credit or sale) •Authorization code •Visa®, MasterCard®, American Express, and Discover® IDs •The Respondent must provide customer technical support for all services 24 hours per day, seven days a week, 365 days a year. Yes we can provide •The Respondent must provide a dedicated account representative to serve as the primary contact with the City's Finance Department. The City will have a dedicated merchant relationship manager contact •The Respondent must provide pricing based on "Interchange Plus." Yes we can provide •The Respondent must provide at least three (3) references from governmental entities for the products or services requested. The City prefers references from municipalities of similar or larger size. Yes we can provide •The Respondent must be registered in tl�e State of Texas, or the County of Denton, to provide the products or services required in the solicitation, and the individual or business must have all licensure required by the State to provide any services required under this contact. Yes To learn how to obtain inf01mation about filing with the State of Texas, or obtaining copies or certificates from the Secretary http://www.sos.state. tx . us/corp/copies.shtml; Phone corpcert@sos.state.tx.us. of State visit 512-463-5578; Webpage: or email Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 PART 2: MINIMUM QUALIFIC ATIONS FOR OPTIONAL ELECTRONIC CHECK PROCESSING The following minimum qualifications for electronic check processing must be demonstrated in order for the submission to be considered responsive to the City of Denton. Any submission received, which is dete1mined to not meet these mandatory qualifications for electronic check processing shall be immediately disqualified and rejected as non­ responsive. Our responses below are provided courtesy of our partner TeleCheck: •The Respondent must provide electronic check conversion services with verification and guarantee. This will apply to both Point of Purchase (POP) and Mail Order/Telephone Order (MOTO) environments. We're able to provide this through both verification and guarantee services for both POP and MO/TO through our partnership with TeleCheck. •The Respondent must provide industry standard hardware utilizing horseshoe bend­ style check processor with COM or USB (preferred) connectivity to interface with cmTent Microsoft Windows-based desktop computer. Processor must perfonn MICR capture, two-sided check imaging, and endorsement of the item in one pass and/or electronically franked "presented." We have several options of working with this type of solution for City of Denton through our partnership with City of Denton •The Respondent must provide daily batch settlement in Central Standard Time (CST). Yes we can accommodate this •The Respondent must be in compliance with NA CHA and Check 21 regulations. Yes we are •The Respondent must provide return check notifications and only two (2) check presentments. Return check notifications will be provided inside funding reports. We'll work with the City to define the appropriate check re-deposit strategy. •The Respondent must provide real time authorization including notification of decline and reason for decline. The Respondent must provide a toll-free number for customer service support for check declines. Yes for all the above Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 •The Respondent must provide next day settlement via ACH into the City's bank account. Settlement must be in Central Standard Time (CST) and each Merchant Identification Number (MID) must have auto-close at midnight CST. We can support settlement at 11:59pm CT. Funding is generally in 48 hours although we will explore the option of next business day funding for settlement times prior to 4pm CT •The Respondent must provide a separate Merchant Identification Number (MID) for each location. The numbers must be grouped in hierarchy under a department structure. The numbers must also have the City's reference number imbedded in each MID which should be identified in the addenda information provided in the ACH funding process. This number is used for bank reconciliation purposes. We can accommodate the City's reference numbers in each merchant ID number provided they are no more than four digits •The total of the settled batch amounts shall be posted to the City's bank account and not be reduced by the applicable discount fees (i.e. gross settlement). We can support this feature I ce1iify that our firm meets the minimum qualifications as stated in this Main document, Section 3. \\/(?-f 1-0 \5 Date Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Attachment C Safety Record - NA Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Contract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 11/6/1511/17/1511/24/1511/13/1511/20/1512/7/15Contract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Appendix A – Pricing and fees Please refer to the separately attached Exhibit 1 Pricing Sheets. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 ***FOR INFORMATIONAL ONLY PURPOSES*** Wells Fargo Merchant Services, L.L.C.- ("WFMS") - Pricing Terms City of Denton Assumptions Credit Card Volume $60,135,000 Average Transaction Size $29 Number of Locations 47 Anticipated Interchange 10 Levels Public Sector: 032 020/038/307 MOTO w/ AVS (CNP): 003 011/034/314 Retail: 001 009/023/310 Utility: 024 048/053/324 Internet: 020 089/077/317 MCC Code Various - Refer to "Additional Notes" Section of Pricing Terms MCC Description Various - Refer to "Additional Notes" Section of Pricing Terms American Express® Industry Type N/A Communications Method line charges quoted separately Frame Relay / IPN Gateway Other Gateway - Direct Bill to Client Pricing Option Interchange + Assessments + Access fees + Rate + Authorizations Credit Card Processing Fees 1 Interchange Plus the Following Fees: 0.015%On Gross Visa®, MasterCard®, Discover® Network Card and American Express Sales $0.015 On each Authorization/EDC attempt (as defined below) 3 $0.00147 VI Access Fee On each gross sales transaction $0.0018 MC Access FeeOn each gross sales transaction PIN Debit & Electronic Benefits Transfer (EBT) Processing Fees $0.015 Per PIN Debit Transaction (applies to completed and declined transactions) EBT NOT ENTITLED Applicable PIN Debit Network, Switch, Service and Administrative fees are passed through on all PIN Debit transactions (completed and declined). Applicable PIN Debit Network Interchange fees are passed through on completed PIN Debit transactions only. Applicable Fee Schedules: 9 Payment Networks Qualification Matrix https://www.wellsfargo.com/biz/creditinterchangeplus Payment Networks Pass-Through Fees https://www.wellsfargo.com/biz/merchantpassthroughfees Wells Fargo Fixed Acquirer Network Fee for Visa® Accepting Merchants https://www.wellsfargo.com/visanetworkfee PIN Debit Networks Fee Schedule (if applicable) https://www.wellsfargo.com/biz/merchantdebitfees Other Processing Fees Set-Up Fee -$ one time fee per location Monthly Minimum Processing Fee 8 -$ per month Chargeback Fee 2 5.00$ per chargeback Monthly Service Fee (per location)-$ per month Statement Billing Fee (Paper Statement) 6 -$ per month Voice Authorization Fee 0.50$ per attempt Annual Fee -$ per location Authorization/EDC Fee - Visa (Credit and Non-PIN Debit) 3 0.015$ per attempt Authorization/EDC Fee - MasterCard® (Credit and Non-PIN Debit) 3 0.015$ per attempt Authorization/EDC Fee - Discover Network Card (Credit) 3 0.015$ per attempt Authorization/EDC Fee - American Express (Credit and Prepaid) 3 N/A per attempt N/A on gross sales volume Electronic Address Verification Service Fee 0.01$ per attempt Voice (Manual) Address Verification Fee 2.00$ per attempt Annual Compliance Support Fee 4 -$ per location PCI Compliance Service Program Fee 7 -$ per month, per location Non-validation PCI Compliance Fee 7 25.00$ per month, per location Equipment Installation Fee -$ one time fee Foreign Handling Fee (on Visa/MasterCard foreign card transactions)0.10%on foreign card sales Proposal Date: 11/16/15 eReceivables Consultant: Chichi Ogbuagu Fee schedules are updated periodically. To obtain the current applicable fee schedules, please refer to the URLs above for more information. If you do not have internet access, please contact your Merchant Card Representative and request that a copy of the applicable fee schedules be mailed or faxed to you. As noted in your Merchant Agreement, Payment Networks change their rates/fees from time to time. They are likely to revise rates/fees on 4/16/2016. To learn more about impacts to fee schedules resulting from Payment Network changes, please visit the URLs above or request an updated schedule. Interchange Clearing Fee 11 Applies to Visa, Mastercard, Discover Network Card (Credit) and American Express (Credit and Contract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 ***FOR INFORMATIONAL ONLY PURPOSES*** Wells Fargo Merchant Services, L.L.C.- ("WFMS") - Pricing Terms City of Denton Assumptions Credit Card Volume $60,135,000 Average Transaction Size $29 Number of Locations 47 Anticipated Interchange 10 Levels Public Sector: 032 020/038/307 MOTO w/ AVS (CNP): 003 011/034/314 Retail: 001 009/023/310 Utility: 024 048/053/324 Internet: 020 089/077/317 MCC Code Various - Refer to "Additional Notes" Section of Pricing Terms MCC Description Various - Refer to "Additional Notes" Section of Pricing Terms American Express® Industry Type N/A Communications Method line charges quoted separately Frame Relay / IPN Gateway Other Gateway - Direct Bill to Client Pricing Option Interchange + Assessments + Access fees + Rate + Authorizations Proposal Date: 11/16/15 eReceivables Consultant: Chichi Ogbuagu Other Processing Fees Continued TransArmor Token & Encrypt 13 0.01$ per attempt TransArmor Token Registration Fee 13 0.01$ per attempt Legacy Data Conversion Fee 13, 14 0.0065$ per conversion 0.015$ per attempt -$ per attempt Terminal Reprogramming Fee (Terminal) - Applies to Customer Owned Terminals Only 75.00$ per unit 150.00$ per unit Security Swap Fee for PIN Debit - Applies to Customer Owned PIN Pads Only 125.00$ per unit Card Imprinter Option no imprinter Rush Shipping Option N/A 1) Clients may elect to participate in the Discover Network Card program or the Discover EDC program, but not both. Under the “Discover Network Card program,” Clients receive all Discover-related authorization, processing and settlement services from WFMS. Under the “Discover EDC program,” Clients enter into a direct agreement with Discover, and WFMS provides only authorization and capture services related to Discover also Network Cards. Clients may elect to participate in the American Express program or the American Express EDC program, but not both. Under the “American Express program,” Clients receive all American Express-related authorization, processing and settlement services from WFMS. Under the “American Express EDC program,” Clients enter into a direct agreement with American Express, and WFMS provides only authorization and capture services related to American Express Cards. In all cases, any services provided by WFMS for Discover and American Express transactions are subject to the terms of Client’s Agreement with WFMS. 2) Client acknowledges and understands that an authorization only indicates the availability of the Cardholder's credit at the time the authorization is requested. It does not warrant that the person presenting the card is the rightful Cardholder, nor is it an unconditional promise or guarantee that Client will not be subject to a chargeback or debit. 3) Authorization/EDC Fee applies to all Visa, MasterCard, Discover Network Card and American Express approvals (pre-authorizations, authorizations and authorization reversals), denials, batch inquiries, batch entry transactions and includes any transaction fees and capture fees. This fee does not apply to Discover EDC and American Express EDC. 4) The Annual Compliance Support Fee will be assessed and deducted from Client's Settlement Account at each anniversary date after the effective date. 5) Non Bank Card Authorization Fee applies to all approvals (pre-authorizations, authorizations and authorization reversals), denials, batch inquiries and batch entry transactions. 6) The monthly Statement Billing Fee can be waived if Client elects to access the monthly statement online instead of receiving a paper copy by mail. After Business Track access has been activated, please contact Customer Service at 1-800-451-5817 to request that paper statements no longer be mailed. If Business Track access is terminated by Client or as a result of inactivity, paper statements will be reinstated with the applicable monthly Statement Billing Fee. Enroll anytime at businesstrack.com. 7) The monthly PCI Compliance Service Program Fee and Non-validation PCI Compliance Fee are part of the mandatory PCI Compliance Service Program. These fees apply to Level 4 Clients who utilize a gateway or value added reseller (VAR). The program includes access to TrustKeeper, a Trustwave PCI Compliance solution to help Client comply with the Payment Card Industry Data Security Standards (PCI DSS) requirements. Clients are required to register and complete a PCI DSS certification process by visiting https://pci.trustwave.com/wellsfargo. If Client does not comply or fails the PCI DSS certification process, Client will be charged a monthly Non-validation PCI Compliance Fee until the account becomes compliant. 8) If the total discount fee for Visa, MasterCard, Discover Network Card and American Express transactions in a given month is less than the Monthly Minimum Processing Fee, then in addition to the total discount fee Client will be charged an amount equal to the Monthly Minimum Processing Fee minus the total discount fee. 9) Dues, assessments and pass-through fees are disclosed in the schedules referenced under the "Applicable Fee Schedules" section and the related footnote. 10) American Express charges Program Pricing fees and not Interchange, and these fees are subject to change. 11) The Interchange Clearing Fee (ICF) will be charged on transactions that may be considered higher risk and/or are processed at a higher expense level. These types of transactions can be identified on Client’s Payment Networks Qualification Matrix by looking at the “ICF applies” column. If the interchange program level has been identified by a “YES” in this column, then the ICF will apply to that type of transaction. Non Bank Card Authorization 5 Applies only to American Express EDC and Discover EDC Non Bank Card Capture Fee Applies only to American Express EDC and Discover EDC Terminal Reprogramming Fee - Integrated Terminal - Applies to Customer Owned Integrated Terminals Only Applies to Visa, MasterCard and Discover Network Card (Credit and Non-PIN Debit), American Express (Credit and Prepaid), American Express EDC, Discover EDC, PIN Debit, EBT Contract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 ***FOR INFORMATIONAL ONLY PURPOSES*** Wells Fargo Merchant Services, L.L.C.- ("WFMS") - Pricing Terms City of Denton Assumptions Credit Card Volume $60,135,000 Average Transaction Size $29 Number of Locations 47 Anticipated Interchange 10 Levels Public Sector: 032 020/038/307 MOTO w/ AVS (CNP): 003 011/034/314 Retail: 001 009/023/310 Utility: 024 048/053/324 Internet: 020 089/077/317 MCC Code Various - Refer to "Additional Notes" Section of Pricing Terms MCC Description Various - Refer to "Additional Notes" Section of Pricing Terms American Express® Industry Type N/A Communications Method line charges quoted separately Frame Relay / IPN Gateway Other Gateway - Direct Bill to Client Pricing Option Interchange + Assessments + Access fees + Rate + Authorizations Proposal Date: 11/16/15 eReceivables Consultant: Chichi Ogbuagu Contract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 ***FOR INFORMATIONAL ONLY PURPOSES*** Wells Fargo Merchant Services, L.L.C.- ("WFMS") - Pricing Terms City of Denton Assumptions Credit Card Volume $60,135,000 Average Transaction Size $29 Number of Locations 47 Anticipated Interchange 10 Levels Public Sector: 032 020/038/307 MOTO w/ AVS (CNP): 003 011/034/314 Retail: 001 009/023/310 Utility: 024 048/053/324 Internet: 020 089/077/317 MCC Code Various - Refer to "Additional Notes" Section of Pricing Terms MCC Description Various - Refer to "Additional Notes" Section of Pricing Terms American Express® Industry Type N/A Communications Method line charges quoted separately Frame Relay / IPN Gateway Other Gateway - Direct Bill to Client Pricing Option Interchange + Assessments + Access fees + Rate + Authorizations Proposal Date: 11/16/15 eReceivables Consultant: Chichi Ogbuagu 13) TransArmor fees are for Token and Encryption, Token Only, Token Registration, or Legacy Data Conversion processing. TransArmor fees apply to Visa, MasterCard, Discover Network Card (Credit and Non-PIN Debit), American Express (Credit and Prepaid), American Express EDC, Discover EDC, PIN Debit and EBT. Client is responsible for any additional charges, in the event that Client requires additional TransArmor products or services that are not stated on this proposal. 14) A fee that applies to each unique conversion of: (1) a Primary Account Number to a Token or (2) a Token to a Primary Account Number. If Client has selected to accept TeleCheck Services, see Part III - Section 1 of the Program Guide for the terms and conditions. If applicable, the Additional Services page will contain the fees and rates billed to Client by TeleCheck. If Client does not follow proper authorization procedures, a $50 chargeback handling fee will be assessed on MasterCard transactions. American Express may charge Client an excessive disputes fee in the amount of $5 for each Disputed Charge if Client is in American Express' Immediate Chargeback Program or $15 for each Disputed Charge if Client is not in the Immediate Chargeback Program. Client is responsible for any charges assessed by outside third parties that are not disclosed on the proposal. To the extent that this pricing proposal includes pricing for third party products and services, WFMS disclaims legal liability and responsibility for said products and services. Client's agreement with the third party provider shall govern Client's relationship with the third party provider. In the event that WFMS is billed for the third party's services, Client will reimburse WFMS for such services. Client acknowledges and understands that WFMS shall have no responsibility or liability for any third party hardware or software procured and used by Client. To the extent Client has any issues, concerns or liability related to such hardware or software, Client must deal directly with the third party provider from whom Client procured the hardware or software. In no event will WFMS be responsible for any indirect, incidental or consequential damages that Client may incur as a result of using any third party hardware or software. WFMS' proposal and associated pricing is based on the information provided. Any difference to our stated understanding may affect the proposed pricing. Without a signed agreement, this proposal expires 120 days from the proposal date stated above. See Section 41.3 of the Program Guide for early termination fees. Rounding. In the event the amount being billed to Client for any line item on this pricing proposal includes a total ending in less than a full cent, WFMS will either round such amount up or down to the nearest cent. Fees for supplies, shipping, handling, and applicable sales tax may apply and are subject to change without notice. Additional information is available upon request. Additional Notes: MCC Code MCC Description 9399 GOVERNMENT SERVICES, NOT ELSEWHERE 7523 AUTOMOBILE PARKING LOTS 4900 UTILITIES-ELECTRIC,GAS,WATER Terms and Conditions of WFMS - Pricing Terms: 1) WFMS pricing as provided in its response to this RFP is based upon the information provided by City of Denton (e.g., existing processing technology, number of merchant accounts, etc.) as of the date the pricing provided in WFMS RFP response was created. In responding to this RFP, WFMS only agrees to be bound to the pricing WFMS provided therein to the extent that the assumptions upon which it was based, was reasonably derived in relation to the information provided by City of Denton as of the date of the creation of that pricing, are accurate and unchanged. In the event that WFMS is the successful bidder, and City of Denton subsequently provides additional information to WFMS that would affect the pricing (including pass through fees paid by City of Denton), WFMS shall not be bound by the pricing provided in the RFP response and shall have the right to revise the pricing based upon the corrected information provided by City of Denton. Further, should WFMS be the successful bidder for this RFP, City of Denton shall be required to execute a Final Pricing Terms document. Contract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 ***FOR INFORMATIONAL ONLY PURPOSES*** Wells Fargo Merchant Services, L.L.C.- ("WFMS") - Pricing Terms City of Denton Assumptions Credit Card Volume $60,135,000 Average Transaction Size $29 Number of Locations 47 Anticipated Interchange 10 Levels Public Sector: 032 020/038/307 MOTO w/ AVS (CNP): 003 011/034/314 Retail: 001 009/023/310 Utility: 024 048/053/324 Internet: 020 089/077/317 MCC Code Various - Refer to "Additional Notes" Section of Pricing Terms MCC Description Various - Refer to "Additional Notes" Section of Pricing Terms American Express® Industry Type N/A Communications Method line charges quoted separately Frame Relay / IPN Gateway Other Gateway - Direct Bill to Client Pricing Option Interchange + Assessments + Access fees + Rate + Authorizations Proposal Date: 11/16/15 eReceivables Consultant: Chichi Ogbuagu Additional Notes Continued: 2) Pricing assumes no material change from the pricing parameters provided to WFMS. Pricing may require a re-evaluation if the pricing parameters change. Card Type Annual Net Sales Volume Annual Net Transactions Average Ticket Visa / MasterCard / Discover - Frame $52,812,000 246,000 $214.68 Visa / MasterCard / Discover - IPN $7,323,000 1,830,750 $4.00 PIN Debit $366,150 91,538 $4.00 3) Should any terminal require a reprogramming for credit card, non-bankcards or debit cards, the reprogramming charge is $75 per terminal and $150 per terminal with an integrated PIN Pad. This price includes download and telephone training. Customer owned PIN Pads require encryption and are charged a security swap fee of $125 per PIN Pad. 4) This pricing proposal assumes that City of Denton will utilize First Data Merchant Services' North authorization network and First Data Merchant Services' North settlement/reporting platform. 5) Should City of Denton require development needs of unique functionalities outside of certification, City of Denton will be billed $85 per hour of programming needed. 6) On-site service, outside of training provided by the Relationship Manager, will be billed at a rate of $70 per hour. Travel related costs will be passed through to City of Denton. 7) Pricing does not include any fees associated with the Wells Fargo Payment Gateway. Processing Solutions Type Quantity Financing Method Total w/o TAX First Data 130 Duo Purchase $200.00 Per Terminal First Data 200Ti Purchase $425.00 Per Terminal First Data FD35 EMV Purchase $160.00 Per PIN Pad Wells Fargo Payment Gateway (WFPG)1 Customer Owned N/A*Prices and equipment availability are subject to change without notice. Contract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Wells Fargo Merchant Services Guide to processing fees merchants may be able to pass to their customers Convenience Fee Government and higher education transaction fees Surcharge High level definition Flat fee charged on a non face- to-face transaction only when the payment method is a true convenience for the customer. Visa, MasterCard, and American Express programs that allow convenience or service fees in government and higher education MCCs. Visa refers to this as a service fee. MasterCard and American Express refer to it as a convenience fee. A payment card surcharge is a fee that a merchant adds to the cost of a purchase when a customer uses a payment card. A merchant is only able to surcharge if its payment processor supports surcharging. Detailed description Flat fee charged for a true convenience, for non face-to-face transactions in an alternative channel outside the merchant’s customary payments channel (i.e., not charged solely for the acceptance of the card payment). The requirement for an alternative payment channel means that mail/phone order merchants and electronic commerce merchants whose payment channels are exclusively card-not-present may not impose a convenience fee. Charging as a percentage of the transaction amount is not permitted. Each of the Card Associations (Visa, MasterCard, Discover and American Express) has their own set of rules and regulations. Visa service fee: The Visa Government and Higher Education Payment Program allows participating merchants to assess cardholder fees on approved transaction types. The program allows a variable service fee on Visa consumer debit (including Visa prepaid cards), Visa consumer credit, and Visa commercial products. To participate, merchants must meet specific requirements, including: • Clearly disclose fees to the Visa cardholder and meet cardholder fee requirements. • Accept Visa as a means of payment in all channels where payments are accepted (i.e., face-to-face, mail, telephone and Internet environments). • Feature the opportunity to pay with Visa at least as prominently as all other payment methods. MasterCard convenience fee: • Can be charged as a flat fee or as percentage. • Can be variable or tiered. • Can be assessed in all payment channels (such as face to face, online (Internet), mail, phone, kiosk) and for Recurring Payment transactions (such as installment payments and taxes.) MasterCard cardholders cannot be assessed a convenience fee that would discriminate against the brand relative to other payment card acceptance brands, such as American Express, Discover, and Visa. American Express convenience fee: Government/Utilities/Education • Fee charged cannot be higher for American Express than for other payment cards. • Fee may be assessed on all utility and government transactions. • Education merchants may only assess the fee for mandatory expense (e.g. tuition, room and board). • The fee must appear as a separate charge. Discover does not have a program or specific policy for convenience or service fees for the Government and Higher Education segments. However, Discover’s general policy makes clear that merchants may not adopt any payment practices which disadvantage the use of Discover vis-à-vis other payment networks such as Visa, MasterCard, and American Express. Percentage based surcharge for acceptance of credit, not debit. A payment card surcharge is a fee that a merchant adds to the cost of a purchase when a customer uses a payment card. Visa: A charge assessed by the merchant to the consumer for the payment service itself. MasterCard: Any fee charged in connection with a transaction that is not charged if another payment method is used. Surcharge rules have been set by the payment networks based on the interchange settlement with Visa and MasterCard. American Express and Discover have since agreed separately to allow surcharging. Visa and MasterCard surcharging are only allowed on credit transactions, not debit. American Express and Discover allow surcharging on debit, but only if all other debit cards are surcharged. See more details on surcharging rules from the interchange settlement below. Example $5 fee to pay power bill on-line if the dominant payment method is by mail and merchant also accepts card present payments. A university charges a 2% fee for paying tuition via credit or debit card. A wholesaler charges a 2% surcharge for payments via credit card. Debit/ACH/Check have no fee. Chart continued on back » Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Convenience Fee Government and higher education transaction fees Surcharge Who sets the rules? Payment networks.Visa, MasterCard, and American Express.Imposed by legal settlement. Limitations by state. Merchant registration No registration, but merchant is required to follow payment network rules. With Visa and MasterCard.Merchant must notify Wells Fargo Merchant Services, Visa, MasterCard, American Express, and Discover 30 days prior to surcharging. Type of merchants Any.Visa MCCs Government merchants: MCC 9311-Tax MCC 9222-Fines MCC 9211-Court Costs MCC 9399-Miscellaneous Government Services Tuition payments for higher education: MCC 8220-College Tuition MCC 8244-Business MCC 8249-Trade Schools MasterCard MCCs MCC 8211-Schools (Elementary and Secondary) MCC 8220-Colleges and Universities, Professional Schools and Junior Colleges MCC 9211-Court Costs including Alimony & Child Support MCC 9222-Fines MCC 9311-Tax Payments MCC 9399-Government Services (not elsewhere classified) Any. Type of payments Any card payment.Visa Credit or debit (regulated and non-regulated). Card present or card-not-present. MasterCard The convenience fee assessed for consumer debit cards and commercial debit cards can be different than the convenience fee assessed for MasterCard consumer credit cards and MasterCard commercial credit cards; provided that the convenience fee for MasterCard consumer credit cards and MasterCard commercial cards are the same. Credit only. Card present or card not present. Legal restrictions Rules are set by payment networks.Some states ban surcharging. We recommend merchants consult their legal counsel on state-by-state surcharging laws. Interchange settlement and surcharging rules As part of a Visa and MasterCard interchange settlement the two payment networks implemented certain rule changes which permit surcharges on certain credit card transactions in most states as of January 2013. According to the Payment Networks, the merchant’s ability to surcharge only applies to credit card purchases, and only under certain conditions. U.S. merchants cannot surcharge debit or prepaid card purchases. Well Fargo Merchant Services does not plan to support surcharging at this time. Please contact your Relationship Manager or customer service for details if your business would like to surcharge. For any specific questions about the settlement or legal parameters on surcharging, we recommend that merchants consult with their legal counsel. Note: Wells Fargo Merchant Services will continue to monitor developments around this settlement as it is not finalized at this time. The information included in this document is provided solely as an overview as of the time of publication (February 2015). For full details and for the most recent updates available, please refer directly to the payment network rules or the interchange settlement ruling. © 2015 Wells Fargo Merchant Services, LLC. All rights reserved. 02/15 Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Card network news Understanding convenience fees In your shopping experience as a business or consumer there may have been times when you purchased goods or services and the merchant charged you an additional fee for completing your payment transaction. And you may be wondering what the rules are that surround the ability to charge your customers this fee. Convenience fees refer to amounts that are charged by merchants to customers to compensate the merchant for the cost associated with giving the customer the “convenience” of completing their purchase by card payment. These fees are permissible when certain conditions are met. Any other fee that a merchant attempts to assess against customers who complete their purchase by card payment is considered to be an impermissible surcharge. Because this area is complex and greatly varies among Visa®, MasterCard® and Discover® Network, we would like to share with you some important rules that apply before you start charging your customers a “convenience fee”. An overarching principle when accepting Visa, MasterCard and Discover Network cards for payment is that each card brand prohibits their cards from being treated less favorably than other card brands. For instance, if you accept all three card brands, you are not allowed to ask you customers to use their Visa credit card over their MasterCard or Discover Network Card. It would also be against the card brands’ rules to offer your customers a “discount” for paying by MasterCard or Discover Network instead of Visa. Because of this principle, a merchant who accepts different card brands must always apply the most restrictive card brand rule to all their transactions. The table that follows summarizes the rules related to convenience fees for each card brand. You will notice that Visa has the strictest convenience fee rules. Therefore, if your business accepts all card brands below and would like to charge convenience fees on its payment transactions, it should ensure that it complies with Visa’s regulations regarding convenience fees. (continued on next page) Issue 2, 1st Quarter 2009 | Wells Fargo Merchant Connect 3 Wells Fargo Merchant Connect™ Issue 2, 1st Quarter 2009 Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Rules on convenience fees What is considered a permissible “Convenience Fee”? The convenience fee must be a fixed and flat fee regardless of the purchase amount. (It cannot be a percentage). Example: a flat convenience fee of $1 is assessed whether the transaction amount is $10 or $100. The convenience fee can be a flat fee or percentage, regardless of the purchase amount The convenience fee can be a flat fee or percentage, regardless of the purchase amount Can a convenience fee be charged to purchases in all payment channels? No. A convenience fee can only apply to an alternate payment channel such as mail, phone or Internet, outside of the normal payment channel of the business. Yes Yes Can a convenience fee be charged on Card Present transactions (e.g. face to face transactions)? No Yes Yes Can a convenience fee be charged on Card Not Present transactions (such as mail/phone orders or Internet transactions)? Yes As long as it is an alternate channel, which is outside of the normal payment channel of the business. Yes Yes To what forms of payment can a convenience fee be applied? It must apply to all forms of payment accepted (Visa, MasterCard, Discover Network, ACH, check, etc…) It must apply to all forms of payment accepted (Visa, MasterCard, Discover Network, ACH, check, etc…) It must apply to all payment card brands accepted (Visa, MasterCard and Discover Network) Must the convenience fee be disclosed to the customer before completion of the transaction? Yes Not specified Not specified Must the cardholder be given an opportunity to cancel before completing the transaction when a convenience fee applies? Yes Not specified Not specified Does the convenience fee need to be included in the total purchase amount?Yes Not specified Not specified Who can assess a convenience fee?The merchant, not a third party Not specified Not specified In which industry can convenience fees be assessed?Merchants in most industries Merchants in most industries Merchants in most industries Issue 2, 1st Quarter 2009 | Wells Fargo Merchant Connect 4 Let’s take an example: A local newspaper would like to allow its customers to pay for their subscription online instead of by mail to give them added convenience. Because online payments are not the merchant’s typical payment channel, this merchant can charge a flat convenience fee for all payments submitted online (Visa, MasterCard, Discover Network, eCheck, ACH, etc … ) A note on surcharges Visa and MasterCard strictly prohibit surcharges to be imposed on customers who choose to pay by card instead of cash or checks. Any type of charge that is assessed against a customer who pays by card is deemed to be an impermissible surcharge if it does not satisfy the requirements to qualify as a convenience fee. There are some exceptions to this rule however. Visa and MasterCard have developed specialized programs which allow government entities (MasterCard also allows education entities) to charge a percentage based convenience fee. This topic will be addressed in the next issue of Wells Fargo Merchant Connect so please stay tuned! A note on discounts for cash payments Providing a discount for your customers’ payments made by cash is permissible as long as it is clearly disclosed as a discount from the marked price of the product. If you need additional details or have any questions regarding convenience fees, please contact us at 1-800-451-5817, 24 hours a day, 7 days a week. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Check acceptance for the electronic age: Make approval decisions instantly. When you add the TeleCheck ECA warranty service to your existing POS terminal, it takes only seconds to scan the customer’s paper check and receive an immediate approve or decline decision. Armed with this information, you can improve customer service, increase sales, and reduce fraud risk. Deposit funds electronically. Once you scan the check, the TeleCheck ECA warranty service automatically converts the payment to an ACH transaction. ACH deposits eliminate time-consuming trips to the bank and extend your window for same-day deposits to 9:00 p.m. Pacific Time. Best of all, your funds are guaranteed for approved checks and credited to your account within two business days. Eliminate returned checks. The TeleCheck ECA warranty service takes the risk out of accepting checks. Under this service, when a check is approved through TeleCheck ECA at POS, you never pay the bank’s returned-item fee or receive a return for nonsufficient funds. You save time and maximize sales. Expand payment options. When consumers prefer to pay with paper, the TeleCheck ECA warranty service lets you confidently accept personal checks. You can also offer the customer another option if his credit card is declined at the POS. The TeleCheck ECA warranty service improves customer satisfaction and saves you the hassle and expense of NSF fees and the collection process. Rely on trusted results. Many of the nation’s largest retailers use TeleCheck, making its transaction database one of the most comprehensive in the industry. This broad network and the proprietary approval logic of the TeleCheck ECA warranty service delivers fast, accurate decisions to protect your business. Comply with security regulations. The TeleCheck ECA warranty service is compatible with a variety of certified, PCI-compliant POS terminals, check readers, and software. Merchant Services TeleCheck Electronic Check Acceptance (ECA) warranty service Treasury Management Accept checks with confidence when you add the TeleCheck ECA warranty service to your point-of-sale operations TeleCheck ECA warranty service from Wells Fargo applies smart business logic and one of the most comprehensive transaction databases in the industry to give you instant approve or decline decisions at the point of sale. No more fees for non-sufficient funds items, no more legwork to collect returned items. Simply add the TeleCheck ECA warranty service and receive guaranteed electronic deposit of approved funds within two business days. For more information on the TeleCheck Electronic Check Acceptance warranty service, contact your Wells Fargo treasury management representative or visit wellsfargo.com/com. ©2013 Wells Fargo Bank, N.A. All rights reserved. Member FDIC. TM-2225 - 08/13 Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 TeleCheck Electronic Check Acceptance® (ECA®) Service Reduce check-handling time and costs, streamline back-office processes, minimize errors, speed funding and offer customers greater security. Go Beyond: The TeleCheck Electronic Check Acceptance® Service Customers want payment options, with many wishing to write checks for their purchases. However, paper checks can be a cost burden, because they must be verified for authenticity, reconciled and physically taken to the bank where fees are assessed for processing. In addition, the merchant’s business is exposed to the risk of fraud and returned checks. First Data Advantages The TeleCheck Electronic Check Acceptance® (ECA®) service, one of the industry’s most sophisticated check verification systems, converts checks into electronic transactions. It screens each check against information from hundreds of thousands of businesses and financial institutions, instantly providing you with a decision on whether or not you should accept it. Because this service minimizes the risks associated with check acceptance, you gain the confidence to accept more checks – even low-numbered, out-of-town and out-of-state checks. At the same time, you reduce bank fees and processing costs while improving cash flow. And with TeleCheck ECA, you return the check to your customers, helping to protect their personal information. Eliminating Bad-Check Losses If you opt for the TeleCheck ECA warranty service, you will be enabling one of the industry’s most effective check-fraud protection measures. Once TeleCheck has authenticated the validity of a check, the responsibility is transferred from your business to ours. Any returned checks we have approved become our liability, relieving you of not only loss, but also the hassle of trying to collect. 24.5% That’s how many non-cash payments were made by check in 2010* 100% Completely protect your business from the risk of bad checks and the hassle associated with collections *The 2010 Federal Reserve Payments Study, April 2011 firstdata.com Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 How It Works When a customer hands you a paper check, TeleCheck uses leading risk assessment technology to evaluate its validity, comparing it with negative and activity databases to identify check writers that have outstanding bad checks or a history of irresponsible checking account handling. If the check meets the verification requirements, the check is converted into an electronic transaction using your point-of-sale equipment. The transaction is processed through the Automated Clearing House (ACH) network, and funds are deposited directly into your bank account, generally in two business days. For merchants who have opted for the TeleCheck warranty service, any checks we have approved that are returned become our liability, and we manage the entire collections process and absorb any losses. Help Your Business J Accept more checks with minimal risk J Make fewer trips to the bank J Reduce bank fees and processing costs J Improve cash flow J Streamline back-office operations J Reduce the risk of lost, stolen or damaged checks J Protect your customers’ personal information J Minimize collections operations J Limit your liability for fraudulent and returned checks (optional warranty service) Features J Point-of-sale check conversion J Faster funding and simpler reconciliation J Access to extensive check-writer negative and activity databases J Liability protection for fraudulent and returned checks (optional warranty service) J Professional collections operation J Courteous and helpful check-writer support TeleCheck Electronic Check Acceptance® (ECA®) Service Payment Solutions for Maximum Performance Around the world every day, First Data makes payment transactions secure, fast and easy for merchants, financial institutions and their customers. We leverage our unparalleled product portfolio and expertise to deliver processing solutions that drive customer revenue and profitability. Whether the payment is by debit or credit, gift card, check or mobile phone, online or at the point of sale, First Data helps you maximize value for your business. For more information, contact your Sales Representative or visit firstdata.com. 2091 0113 firstdata.com © 2013 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 TeleCheck Internet Check Acceptance® (ICA®) Solution Reduce your costs by giving customers the option of paying directly from their checking account – for Internet purchases, to reload their store-branded prepaid card or to make recurring payments. Go Beyond: TeleCheck Internet Check Acceptance® (ICA®) Solution For many merchants, credit and debit card sales over the Internet are either the backbone of their business or an ever-growing percentage of their revenues. However, card-not-present (CNP) interchange rates are high and can take a bite out of your profits. The good news is that an often overlooked payment method can be implemented – one that can significantly reduce your costs. First Data Advantages With the TeleCheck Internet Check Acceptance® (ICA®) solution, you can give your customers the option of paying directly from their checking account – either for Internet purchases, to reload their store-branded prepaid card or to make recurring payments. Not only do you pay less per transaction, you also guard against abandoned sales by prospects that have no credit or debit cards, or prefer not to use them. Eliminating Bad-Check Losses First Data’s TeleCheck® database tracks the check-writing histories of 98 percent of US check writers. By tapping into this massive repository, you will know which payments to accept and which to decline. If you opt for our warranty service, you will be enabling the premier check-fraud protection feature for merchants, which transfers fraud responsibility from your business to TeleCheck. Returned checks become our liability, relieving you of not only loss, but also the hassle and countless hours of trying to collect on your own. Easy to Implement Connect through a variety of TeleCheck certified gateway partners, often using an already-established relationship. The partner can help you quickly connect with a streamlined implementation process and ongoing efficient operations. Large merchants may prefer to create a direct, host-to-host, connection to the acceptance service instead of going through a payment gateway. Either way, a merchant can often be operational and accepting payments within a few days. 54M That’s how many consumers have no debit/credit cards. Offer them the ability to shop online or pay bills using their checking account. 1 100% Completely protect your business from the risk of fraud and bad checks with our warranty service. 1 - Source - Federal Reserve Bank, “The Survey of Consumer Payment Choice.”, version April, 2011 and U.S. Census Bureau firstdata.com Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 How It Works 1. A customer visits your website to make a purchase and selects the option to pay by checking account. 2. You transmit the details to TeleCheck either directly or through your eCommerce payment gateway. 3. Using advanced analytics, TeleCheck assesses the risk associated with the transaction and issues an approval or denial in real time. 4. You receive funding on the next banking day for any transactions approved by 4 p.m. CST. In addition, if you have an existing gift card program, you can give your customers the ability to go online and reload a prepaid card. If you have customers making regular recurring payments to you, they can do so at your website. TeleCheck uses its proprietary bank account authentication process to verify the customer’s identity. The customer can reload their card or make an online payment at any time. For customers who have no credit or debit card, or wish not to use them, these ICA® options build loyalty and encourage repeat visits. Features J Warranty service that offers complete protection from loss due to bad checks (optional) J Low-cost verification of account viability J Seamless transition to collections service (optional with verification service) J Best-in-class fraud prevention tools J Next-day funding J Lower processing rates as opposed to card-not-present transactions Industries and Businesses Served J eRetail: clothing, media, grocery, electronics, hardware, etc. J Online travel and entertainment J Online services J Digital goods: eBooks, music, gaming, etc. J Medical J Direct marketers or billers J Non-profit organizations Market-Leading Payment Expertise from TeleCheck J 369,000 subscribing locations J 1.8 million transactions processed daily J Information on 98% of US check writers J Trusted with over $79 billion annually J Continued investment in technology and innovation TeleCheck Internet Check Acceptance® (ICA®) Solution Payment Solutions for Maximum Performance Around the world every day, First Data makes payment transactions secure, fast and easy for merchants, financial institutions and their customers. We leverage our unparalleled product portfolio and expertise to deliver processing solutions that drive customer revenue and profitability. Whether the payment is by debit or credit, gift card, check or mobile phone, online or at the point of sale, First Data helps you maximize value for your business. For more information, contact your Sales Representative or visit firstdata.com. 2428 0113 firstdata.com © 2013 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 TeleCheck Checks by PhoneSM Solution Go Beyond: TeleCheck Checks by PhoneSM Solution Millions of merchant transactions are conducted over the phone annually, and merchants need a fast, cost-effective payment method to offer customers while they are still engaged on the phone. While credit and debit cards are popular forms of payment, card-not-present (CNP) interchange rates are high and can take a bite out of your profits. Further, your customer is more likely to abandon a purchase if their payment choices are limited to credit and debit only. The good news is that an often-overlooked payment method can be implemented – one that can reduce your payment processing costs and increase the number of completed sales. First Data Advantages The TeleCheck® Checks by PhoneSM service makes it possible to serve customers who prefer to pay for a purchase or pay bills over the phone. The solution instantly authorizes the payment while your customers are still on the line, minimizing potentially lost sales and revenue. Additionally, the service helps merchant call centers have another easy-to-use payment acceptance method. Eliminating Bad-Check Losses First Data’s TeleCheck® database tracks the check-writing histories of 98 percent of U.S. check writers. By tapping into this massive repository, you will know which payments to accept and which to decline, allowing you to eliminate the risk associated with accepting payments from checking accounts. If you opt for our warranty service, you will be enabling the premier check-fraud protection feature for merchants, which transfers fraud responsibility and bounced checks from your business to TeleCheck. Returned checks become our liability, relieving you of not only loss, but also the hassle and countless hours of trying to collect on your own. How It Works 1. A customer contacts your call center or representative to make a purchase or a payment for a product or service. 2. Your representative inputs the consumer’s personal and payment information into an online payment application or optional web-based user interface from TeleCheck. 3. Using advanced analytics, TeleCheck conducts transaction risk assessment and issues an approval or denial in real time. 4. You receive funding on the next banking day for any transactions approved by 4 p.m. CST. 54M That’s how many consumers have no debit/credit cards. Offer them the ability to shop online or pay bills using their checking account. 1 100% Completely protect your business from the risk of bad checks and the hassle associated with collections. 1 - Source - Federal Reserve Bank, “The Survey of Consumer Payment Choice.”, version April, 2011 and U.S. Census Bureau firstdata.com Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Easy to Implement Use our Virtual Point of Sale (VPOS) web-based user interface at no charge, or connect through a variety of TeleCheck certified gateway partners, often using an already-established relationship. The partner can help you quickly connect with a streamlined implementation process and ongoing efficient operations. Large merchants may prefer to create a direct, host-to-host connection to the acceptance service instead of going through a payment gateway. Either way, a merchant can often be operational and accepting payments within a few days. Industries and Businesses Served J eRetail: apparel, media, electronics, hardware, etc. J Merchant call centers or catalog sales J Online travel and entertainment J Online services J Medical J Direct marketers or billers J Non-profit organizations Features J Warranty service that offers complete protection from loss due to bad checks (optional) J Low-cost verification of account viability J Seamless transition to collections service (optional with verification service) J Best-in-class fraud prevention tools J Next-day funding J Lower processing rates compared to card-not-present transactions J Option to use TeleCheck Virtual Point of Sale, free web-based user interface Market-Leading Payment Expertise from TeleCheck® J 369,000 subscribing locations J 1.8 million transactions processed daily J Information on 98% of US check writers J Trusted with over $79 billion annually J Continued investment in technology and innovation TeleCheck Checks by PhoneSM Solution Payment Solutions for Maximum Performance Around the world every day, First Data makes payment transactions secure, fast and easy for merchants, financial institutions and their customers. We leverage our unparalleled product portfolio and expertise to deliver processing solutions that drive customer revenue and profitability. Whether the payment is by debit or credit, gift card, check or mobile phone, online or at the point of sale, First Data helps you maximize value for your business. For more information, contact your Sales Representative or visit firstdata.com. 1947 0113 firstdata.com © 2013 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 First Data 200Ti/ First Data 200Ti Wi-Fi Terminal Payment types supported • Visa® • MasterCard® • American Express® • Discover® • Signature and PIN debit (using an external PIN pad)1 • Diners Club • JCB • Gift card • TeleCheck ECA2 (Electronic Check Acceptance) • TeleCheck Warranty • Contactless devices • WEX/Voyager 3 • Europay, MasterCard, Visa (EMV) chip cards5 How can we help? Offer your customers multiple payment options using just one device Wells Fargo Merchant Services With the First Data 200Ti/First Data 200Ti Wi-Fi , you can process credit, debit, and gift cards, plus secure check transactions with one space-saving payment terminal. This terminal features a built-in check reader and imager that processes checks through the TeleCheck Electronic Check Acceptance (ECA) service, which verifies the customer’s checking history and guarantees the face value of the check up to $25,000, provided the check meets all necessary warranty requirements for electronic acceptance. In addition to substantially lowering the merchant’s risk, customers’ personal information is protected too, because approved checks are returned to the check writer after scanning. Electronic Check Acceptance eliminates the need for time-consuming trips to the bank to deposit paper checks. Electronically processed checks are typically funded to the merchant’s DDA within 2 – 3 business days. The First Data 200Ti/First Data 200Ti Wi-Fi operates using an internet (IP) or dial-up connection, with optional WiFi. Today’s customers want the ability to use their preferred payment method, and this is the tool for the job. Business types supported Retail, Restaurant, Quick Service, Petroleum1, and Direct Marketing (MOTO)2 Product benefits • Easy installation — Get up and running quickly with the intuitive touch-screen display for ease of use. • Accept multiple payment methods — Processes virtually all payment types. • Touch screen capability — Process simply with intuitive touch screen interface and multiple-choice display prompts. White backlit display is easier to read in all lighting conditions. • Integrated check reader — Convert paper checks into electronic items automatically at the point of sale for fast, accurate, and secure check processing. • Automatic check void — Automatically voids ECA approved checks. • Large batch capacity — Stores 450 transactions. • Purchase card level I and II, business and commercial card — Allows tax prompting on all Visa and MasterCard commercial cards. (Continued on next page.) wellsfargo.com Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 • Solid security — Be alerted to suspicious activity with a suite of fraud services. Supports Address Verification Service (AVS), Card Verification Value (CVV2), and Card Verification Code (CVC2). • Dual built-in printers — Thermal printer for credit card receipts prints 15 lines per second; inkjet defacement printer only prints VOID on the face of the check to help conserve ink and costs. • Fast connection — Supports WiFi (requires WiFi model), Internet Protocol (IP), plus dial-up. First Data 200Ti/First Data 200Ti Wi-Fi terminal features • 128 x 64 touch-screen technology • 16-button keypad • Integrated check reader/imager with separate 32-bit ARM9 400 MHZ CPU • Wi-Fi capability (optional) • 96MB RAM standard memory • Five USB and two serial ports Operation highlights • Drop-in paper loading for integrated thermal receipt printer • Inkjet single-line defacement printer dedicated to voiding checks • Supports contactless payment technology with the appropriate peripheral Security features • Secure Sockets Layer (SSL) encryption • Retail Address Verification Service (AVS) • Account number truncation/expiration date masking on customer and merchant receipt copies • Card verification support for card-not-present — Visa (CVV2), MasterCard (CVC2), Discover, and American Express (CID) • Password protection Connection type and speed • IP connectivity with dial back-up 4; IP transactions approve in about 4 seconds • Wireless Fidelity (WiFi) model allows for WiFi capabilities with built-in dial-up back-up (requires WiFi model) Batch capacity • 450 transactions For more information on Wells Fargo Merchant Services, please visit wellsfargo.com/biz/merchant. 1 PIN debit requires a peripheral attachment. 2 TeleCheck ECA not supported in MOTO environment. 3 WEX and Voyager cards are supported for Petroleum Merchants on the Buypass Network. 4 Auto Dial Backup requires DHCP Internet protocol. 5 EMV is available with a peripheral attachment on limited platforms. Check with your sales consultant for details. © 2013 Wells Fargo Merchant Services, LLC. All rights reserved. 01/13 FD200Ti/FD200TiWiFi Cus ECG-1057033 Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Accept the latest innovative payment types with this advanced device 1 The EMV software that will enable FD35 EMV to read chip cards will be available on limited platforms. Check with your sales consultant for details. 2 This device is PCI PED certified. First Data products can be found on the PCI Security Council website “Approved PIN Transaction Security” under the manufacturer name XAC Automation. © 2014 Wells Fargo Merchant Services, LLC. All rights reserved. FD35 ECG-1173022 2014017 (02/14) Wells Fargo Merchant Services This fast, flexible, and secure device accepts more than traditional credit cards, PIN-based debit, and non-PIN (signature) debit. It also enables your business to go beyond magnetic stripe cards to accept chip cards, contactless, and mobile payment transactions. Product benefits · Advanced payment solution — processes virtually all payment types · Offer more convenience to your customers — enables your customers to complete the payment via a customer-facing device while the merchant finishes the sales process · Improve security — takes advantage of the stronger authentication of EMV 1 chip cards instead of reading the less secure magnetic stripe content when customers present compatible cards · Prepare for the future — by responding to consumer demand for faster, safer, and better ways to pay for goods and services Features · Accepts magnetic stripe cards, EMV1 chip cards, contactless cards and key fobs, and mobile phone payments · Payment Card Industry PIN Entry Device (PCI-PED) approved device2 · Easy-to-use interface with visual display prompts, lights, and audio cues for customers · Does not require a separate power supply First Data FD 35 PIN Pad Payment types supported · Visa® · MasterCard® · Discover® · American Express® · JCB · PIN and non-PIN (signature) debit · EuroPay, MasterCard, Visa (EMV 1) chip cards · Gift cards · Electronic Benefits Transfer (EBT) cards · Contactless transactions/key fobs · Mobile phone payments How can we help? wellsfargo.com Contract 5955 Exhibit G Chichi Ogbuagu chichiogbuagu@wellsfargo.com 214-740-1304 DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 123456789123987654321 DBA NAME USD 4567 12345 98765432123403/04/13 VISA 123456******9876 61.33 01 Manual/key entered 03/03/13 903053 A V034 UNKNOWN Unknown Transaction123456789123987654321 DBA NAME USD 4567 12345 98765432123403/04/13 VISA 123456******9876 24.78 01 Manual/key entered 03/03/13 645733 A V080 UNKNOWN Unknown Transaction123456789123987654321 DBA NAME USD 4567 12345 98765432123403/04/13 VISA 123456******9876 238.98 01 Manual/key entered 03/03/13 03558B A V051 UNKNOWN Unknown Transaction123456789123987654321 DBA NAME USD 4567 12345 98765432123403/04/13 VISA 123456******9876 93.28 01 Manual/key entered 03/03/13 041609 A V634 UNKNOWN Unknown Transaction123456789123987654321 DBA NAME USD 4567 12345 98765432123403/04/13 VISA 123456******9876 152.10 01 Manual/key entered 03/03/13 003543 A V051 UNKNOWN Unknown Transaction123456789123987654321 DBA NAME USD 4567 12345 98765432123403/04/13 VISA 123456******9876 70.24 01 Manual/key entered 03/03/13 07621D A V247 UNKNOWN Unknown Transaction123456789123987654321 DBA NAME USD 4567 12345 98765432123403/04/13 VISA 123456******9876 473.28 01 Manual/key entered 03/03/13 02641D A V247 UNKNOWN Unknown Transaction123456789123987654321 DBA NAME USD 4567 12345 98765432123403/04/13 VISA 123456******9876 14.00 90 Cvv qualified mag stripe read 03/03/13 07990D A V248 UNKNOWN Unknown Transaction123456789123987654321 DBA NAME USD 4567 12345 98765432123403/04/13 VISA 123456******9876 8.52 01 Manual/key entered 03/03/13 084541 A V634 UNKNOWN Unknown Transaction123456789123987654321 DBA NAME USD 4567 12345 98765432123403/04/13 VISA 123456******9876 128.32 01 Manual/key entered 03/03/13 080211 A VN12 UNKNOWN Unknown Transaction123456789123987654321 DBA NAME USD 4567 12345 98765432123403/04/13 VISA 123456******9876 15.00 90 Cvv qualified mag stripe read 03/03/13 40524F A V817 UNKNOWN Unknown Transaction123456789123987654321 DBA NAME USD 4567 12345 98765432123403/04/13 VISA 123456******9876 14.00 90 Cvv qualified mag stripe read 03/03/13 015315 A V047 UNKNOWN Unknown Transaction123456789123987654321 DBA NAME USD 4567 12345 98765432123403/04/13 VISA 123456******9876 18.00 90 Cvv qualified mag stripe read 03/03/13 08245B A V050 UNKNOWN Unknown Transaction123456789123987654321 DBA NAME USD 4567 12345 98765432123403/04/13 VISA 123456******9876 106.76 01 Manual/key entered 03/03/13 05201C A V051 UNKNOWN Unknown Transaction123456789123987654321 DBA NAME USD 4567 12345 98765432123403/04/13 VISA 123456******9876 56.71 01 Manual/key entered 03/03/13 03012A A V034 UNKNOWN Unknown Transaction123456789123987654321 DBA NAME USD 4567 12345 98765432123403/04/13 VISA 123456******9876 19.00 90 Cvv qualified mag stripe read 03/03/13 07191B A V050 UNKNOWN Unknown TransactionTransAmountHL0101Credit Transaction DetailFrom 03/04/2013 To 03/04/2013Hierarchy ID: 120 - 123456789123Run Date 03/11/2013LocationIDExternal MerchantNumberDBANameCurrencyCodeTerminalIDBatchNumberInvoiceNumberSubmitDateCardTypeCardholderNumberServiceCodeAuthTransactionCodeEntryModeEntryDescTransDateAuthCodeStatus I/CCodeContract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 HL0404USD04/01/13 ******1234184,523.29USD04/01/13 ******12342,971,297.90USD04/01/13 ******12341,384,391.35USD04/01/13 ******12342,778,985.91USD04/01/13 ******12342,990,297.09USD04/01/13 ******123427,431.85USD04/02/13 ******1234150,273.45USD04/02/13 ******12344,972,913.92USD04/02/13 ******12342,327,702.94USD04/02/13 ******12343,109,874.47USD04/02/13 ******12343,040,982.63USD04/02/13 ******123445,894.77Checking Account Funding ReportFrom 04/01/2013 To 04/02/2013Hierarchy ID: 90 - 123456789123Run Date 04/17/2013CurrencyCodeFundedDateCheckingAccount NumberAmountPaidContract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 HL0407123456789123 DBA Name 12345678904/01/2013 Credit Deposits 0000000123452(458.64)79 3,549.040 0.00793,549.04123456789123 DBA Name 12345678904/01/2013 Credit Deposits 000000012345139(33,055.69)4,069 1,391,106.970 0.004,0691,391,106.97123456789123 DBA Name 12345678904/01/2013 Credit Deposits 00000001234517(5,893.47)304 137,813.700 0.00304137,813.70123456789123 DBA Name 12345678904/01/2013 Credit Deposits 00000001234566(1,292.04)19,796 520,207.812 9.00 19,796520,207.81123456789123 DBA Name 12345678904/01/2013 Credit Deposits 00000001234537(1,197.41)17,129 667,260.041 100.38 17,129667,260.04123456789123 DBA Name 12345678904/01/2013 Credit Deposits 000000012345340(11,066.97)23,233 957,457.350 0.00 23,233957,457.35123456789123 DBA Name 12345678904/01/2013 Credit Deposits 000000012345217(5,346.12)12,873 453,676.310 0.00 12,873453,676.31123456789123 DBA Name 12345678904/01/2013 Credit Deposits 00000001234541(6,531.71)3,605 1,132,579.560 0.003,6051,132,579.56123456789123 DBA Name 12345678904/01/2013 Credit Deposits 0000000123454(57.40)569 27,431.850 0.0056927,431.85123456789123 DBA Name 12345678904/01/2013 Credit Deposits 0000000123453(91.13)694 39,827.600 0.0069439,827.60123456789123 DBA Name 12345678904/01/2013 Credit Deposits 0000000123453(211.95)196 6,881.990 0.001966,881.9912345678912304/01/2013 Credit Deposits1,248##########92,331 ############ 3 109.38 92,331 10,337,645.7712345678912304/01/2013 3rd Party Adjustments0 0.002(609.00)0 0.002(609.00)12345678912304/02/2013 Credit Deposits1,973##########99,845 ############ 2 64,481.76 99,845 13,719,772.3312345678912304/02/2013 3rd Party Adjustments1(235.00)17(3,246.91)0 0.0017(3,246.91)123456789123 123456789USD 04/01/2013(9.00)123456789123 123456789USD 04/02/2013(2.76)123456789123 123456789USD 04/01/2013(100.38)123456789123 123456789USD 04/02/2013(64,479.00)123456789123 123456789USD02/15/201304/20/2013 03/31/2013OPEN123456789123 123456789USD03/13/201304/20/2013 03/31/2013OPEN123456789123 123456789USD03/13/201304/20/2013 03/31/2013OPEN123456789123 123456789USD03/14/201304/20/2013 03/31/2013OPEN123456789123 123456789USD03/14/201304/20/2013 03/31/2013OPEN123456789123 123456789USD03/15/201304/20/2013 03/31/2013OPEN123456789123 123456789USD03/26/201304/21/2013 04/01/2013OPEN123456789123 123456789USD03/24/201304/19/2013 03/30/2013OPEN123456789123 123456789USD03/26/201304/20/2013 03/31/2013OPEN123456789123 123456789USD03/13/201304/19/2013 03/30/2013OPEN123456789123 123456789USD01/05/201304/20/2013 03/31/2013OPENFunding Reconciliation by Date/Location ReportFrom 04/01/2013 To 04/02/2013Hierarchy ID: 90 - 123456789123Run Date 04/17/2013Settled Batches by Funding DateLocationIDDBANameExternalMerchantNumberDepositDateFundingTypeRejectCountRejectAmountNet Processed CountNetProcessedAmountCount Amount Count AmountBatchNumberCurrencyCodeSubmitDateSalesRefundNet SubmittedCountUSD04/01/2013 77 4,007.68USD04/01/2013 3,930 1,424,162.66Net Submitted AmountUSD04/01/2013 17,092 668,457.45USD04/01/2013 22,893 968,524.32USD04/01/2013 287 143,707.17USD04/01/2013 19,730 521,499.85USD04/01/2013 565 27,489.25USD04/01/2013 691 39,918.73USD04/01/2013 12,656 459,022.43USD04/01/2013 3,564 1,139,111.27USD2(609.00)USD97,872 14,220,849.58USD04/01/2013 193 7,093.94Settled Batches Summary by DateUSD91,083 10,492,267.35Amount000000012345 ADJUSTMENT FOR ELECTRONIC DEPOSIT REJECTS000000012345 ADJUSTMENT FOR ELECTRONIC DEPOSIT REJECTS000000012345 ADJUSTMENT FOR ELECTRONIC DEPOSIT REJECTSUSD16(3,481.91)Deposit AdjustmentsLocationIDExternalMerchantNumberCurrencyCodeDepositDateReferenceNumberDescription000000012345 ADJUSTMENT FOR ELECTRONIC DEPOSIT REJECTSDeposit Chargeback / ReversalsLocationIDExternalMerchantNumberCurrencyCodeChargebackDescriptionCaseNumberReferenceNumberCardholderNumberTransDateChargebackAmountDueDateStatusDateStatusFraudulent transaction - card present 123456789123 12345678998765432165423 123456******9876(190.64)Fraudulent transaction - no cardholder au123456789123 12345678998765432165423 123456******9876(414.61)Fraudulent transaction - no cardholder au123456789123 12345678998765432165423 123456******9876(413.21)Fraudulent transaction - no cardholder au123456789123 12345678998765432165423 123456******9876(384.24)Fraudulent transaction - no cardholder au123456789123 12345678998765432165423 123456******9876(467.05)Fraudulent transaction - no cardholder au123456789123 12345678998765432165423 123456******9876(331.21)No authorization123456789123 12345678998765432165423 123456******9876(10.50)Requested/required authorization not obt 123456789123 12345678998765432165423 123456******9876(7.25)Requested/required authorization not obt 123456789123 12345678998765432165423 123456******9876(26.75)Declined authorization123456789123 12345678998765432165423 123456******9876(77.00)Requested/required authorization not obt 123456789123 12345678998765432165423 123456******9876(23.90)Contract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 USD0.01%USD0.00%USD0.13%USD0.02%USD0.03%USD0.01%USD0.00%USD0.00%USD0.00%USD0.03%USD0.01%USD0.08%USD0.05%USD0.02%USD0.04%USD0.41%USD0.11%USD0.33%USD0.02%USD0.00%USD0.00%USD0.04%USD0.00%Interchange SummaryCurrencyCodeDescriptionTransCountTransAmountSales Percentby AmountSales Percentby CountM124-MC-BUS ENH VAL DATA RATE I247 20,240.23 0.08%M239-MC-BUS ENH VAL T&E I34 3,838.06 0.02%001-AMEX PASS-THRU11 1,897.91 0.01%001-DISCOVER PASS-THRU8 1,958.00 0.01%M125-MC-COM T & E I(US) FLEET7 1,563.82 0.01%MA85-MC-COM T & E II(US) PURCH8 11,391.78 0.05%M251-MC-BUS ENH VAL T&E II64 61,195.31 0.26%MA68-MC-COM DATA RATE I FLT NFUEL17 4,481.30 0.02%M100-MC-CONSUMER CREDIT REFUND 327(5,201.30)0.02%M101-MC-CONSUMER CREDIT REFUND 4151(4,127.47)0.02%M103-MC-COMML STANDARD BUS8 81.00 0.00%M083-MC-CONSUMER CREDIT REFUND 159(10,167.96)0.04%M738-MC-CONSUMER REFUND 3 (DB)70(2,566.90)0.01%M028-MC-CONVENIENCE PURCHASES786 11,042.33 0.05%M102-MC-CONSUMER CREDIT REFUND 598(36,427.95)0.15%M736-MC-CONSUMER REFUND 1 (DB)45(15,796.92)0.07%M158-MC-CORP DATA RATE I (US) CORP40 5,237.68 0.02%M121-MC-CORP DATA RATE I (US) PUR3 3,692.11 0.02%M176-MC-CORP BUSINESS INTL FLT210 39,922.52 0.17%M141-MC-CORP DATA RATE I (US) BUS634 129,413.80 0.54%M162-MC-CORP T & E I(US) CORP4 589.61 0.00%M156-MC-CORP PURCHASING INTL PUR9 6,613.04 0.03%M145-MC-CORP T & E I(US) BUS81 5,733.74 0.02%Contract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 HL1501123456789123 123123456DBA Name USD04/02/13 123456789123987654321123 VISA 123456******9876 CLOSED DEBITED125.20125.20123456789123 123123456DBA Name USD04/03/13 123456789123987654321123 MC 123456******9876 CLOSED DEBITED107.05107.05123456789123 123123456DBA Name USD04/02/13 123456789123987654321123 MC 123456******9876 OPENDEBITED23.0123.01123456789123 123123456DBA Name USD04/02/13 123456789123987654321123 VISA 123456******9876 OPENDEBITED100.00100.00123456789123 123123456DBA Name USD04/01/13 123456789123987654321123 VISA 123456******9876 OPENDEBITED10.5010.50123456789123 123123456DBA Name USD04/02/13 123456789123987654321123 VISA 123456******9876 OPENDEBITED28.7628.76123456789123 123123456DBA Name USD04/03/13 123456789123987654321123 VISA 123456******9876 REVERSED AUTO REPRESENTMENT14.3814.38123456789123 123123456DBA Name USD04/02/13 123456789123987654321123 MC 123456******9876 CLOSED DEBITED87.5887.58123456789123 123123456DBA Name USD04/03/13 123456789123987654321123 VISA 123456******9876 CLOSED DEBITED23.4423.44123456789123 123123456DBA Name USD04/01/13 123456789123987654321123 VISA 123456******9876 OPENDEBITED3.773.77123456789123 123123456DBA Name USD04/03/13 123456789123987654321123 MC 123456******9876 OPENDEBITED30.0030.00123456789123 123123456DBA Name USD04/02/13 123456789123987654321123 VISA 123456******9876 CLOSED DEBITED45.7545.75CategoryChargebackAmountChargeback Detail by Status DateFrom 04/01/2013 To 04/03/2013Hierarchy ID: 90 - 123456789123Run Date 04/11/2013LocationIDExternal MerchantNumberDBANameCurrencyCodeStatusDateCaseNumberAdjustmentAmountInvoiceNumberCardTypeCardholderNumberChargebackStatusContract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 HL1511123456789123 123456789123 DBA NameUSD04/01/13 123456789MC 123456******9876 MEDIA EXPIREDSignature/fraud investigation02/09/1342.07123456789123 123456789123 DBA NameUSD04/01/13 123456789VISA 123456******9876 MEDIA EXPIREDFraud analysis request 12/31/12 947.90123456789123 123456789123 DBA Name USD 04/02/13 123456789VISA 123456******9876 MEDIA FULFILLEDFraud analysis request 03/26/1320.19123456789123 123456789123 DBA NameUSD04/02/13 123456789VISA 123456******9876 MEDIA FULFILLEDFraud analysis request 03/07/13 1,208.26123456789123 123456789123 DBA NameUSD04/02/13 123456789MC 123456******9876 CHARGEBACK FULFILLED Fraudulent transaction - no c03/16/1320.00123456789123 123456789123 DBA NameUSD04/02/13 123456789VISA 123456******9876 MEDIA FULFILLEDFraud analysis request 03/14/13 661.50123456789123 123456789123 DBA NameUSD04/03/13 123456789VISA 123456******9876 MEDIA EXPIREDT&e document request 02/13/13 108.18123456789123 123456789123 DBA Name USD 04/03/13 123456789VISA 123456******9876 MEDIA FULFILLEDCardholder request copy with12/05/12 199.76123456789123 123456789123 DBA Name USD 04/03/13 123456789VISA 123456******9876 MEDIA FULFILLEDCardholder request copy with02/19/13 439.20123456789123 123456789123 DBA Name USD 04/03/13 123456789MC 123456******9876 MEDIA FULFILLEDSignature/fraud investigation02/14/1385.53123456789123 123456789123 DBA NameUSD04/03/13 123456789MC 123456******9876 MEDIA FULFILLEDSignature/fraud investigation03/14/13 327.95123456789123 123456789123 DBA Name USD 04/03/13 123456789VISA 123456******9876 MEDIA FULFILLEDFraud analysis request 03/14/13 279.83123456789123 123456789123 DBA NameUSD04/03/13 123456789VISA 123456******9876 MEDIA FULFILLEDCardholder request copy with01/11/13 496.30123456789123 123456789123 DBA Name USD 04/03/13 123456789VISA 123456******9876 MEDIA FULFILLEDCardholder request copy with01/23/13 151.28123456789123 123456789123 DBA Name USD 04/03/13 123456789MC 123456******9876 MEDIA FULFILLEDPotential chargeback/complia02/10/1365.98TransAmountRetrieval Detail by Status DateFrom 04/01/2013 To 04/08/2013Hierarchy ID: 90 - 123456789123Run Date 04/11/2013LocationIDExternal MerchantNumberDBANameCurrencyCodeStatusDateCaseNumberCardTypeCardholderNumberStatus Description TransDateContract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 HL0104123456789123 999999999 DBA Name USD M005 MC-FOREIGN ELECTRONIC PLUS04/01/13 1 18.00 0.3510 1.9500% + .0000123456789123 999999999 DBA Name USD M009 MC-DOMESTIC MERIT III04/01/13 1 18.00 0.3844 1.5800% + .1000123456789123 999999999 DBA Name USD M011 MC-DOMESTIC MERIT I04/01/13 1 84.50 1.6971 1.8900% + .1000123456789123 999999999 DBA Name USD M095 MC-WORLDCARD MERIT I04/01/13 1 89.83 1.9415 2.0500% + .1000123456789123 999999999 DBA Name USD M097 MC-WORLDCARD MERIT III04/01/13 1 34.00 0.7018 1.7700% + .1000123456789123 999999999 DBA Name USD M201 MC-WORLD ELITE MERIT I04/01/13 1 238.98 6.0745 2.5000% + .1000123456789123 999999999 DBA Name USD M609 MC-DOMESTIC MERIT III (DB)04/01/13 3 53.00 1.0065 1.0500% + .1500123456789123 999999999 DBA Name USD M611 MC-DOMESTIC MERIT I (DB)04/01/13 2 91.86 1.7698 1.6000% + .1500123456789123 999999999 DBA Name USD MN02 MC-REG INCENT FRF ADJ POS (DB)04/01/13 5 91.00 1.1455 0.0500% + .2200123456789123 999999999 DBA Name USD MN16 MC-REG CONSM WFRAUD ADJ MC(DB) 04/01/13 1 99.67 0.2698 0.0500% + .2200123456789123 999999999 DBA Name USD V034 VI-CPS CARD NOT PRESENT04/01/13 3 257.11 4.9280 1.8000% + .1000123456789123 999999999 DBA Name USD V047 VI-CPS/SMALL TICKET04/01/13 2 30.00 0.5750 1.6500% + .0400123456789123 999999999 DBA Name USD V050 VI-CPS/REWARDS 104/01/13 2 53.00 1.0745 1.6500% + .1000123456789123 999999999 DBA Name USD V051 VI-CPS/REWARDS 204/01/13 13 977.45 20.3604 1.9500% + .1000123456789123 999999999 DBA Name USD V080 VI-EIRF NON CPS ALL OTHER04/01/13 7 580.00 14.0400 2.3000% + .1000123456789123 999999999 DBA Name USD V092 VI-CONS NON-PASS TRANS CREDIT04/01/13 1 -135.68 -2.3880 1.7600% + .0000123456789123 999999999 DBA Name USD V093 VI-COMM NON-PASS TRANS CREDIT04/01/13 1 -322.96 -7.5896 2.3500% + .0000123456789123 999999999 DBA Name USD V634 VI-CPS CNP (DB)04/01/13 3 245.20 4.4959 1.6500% + .1500Interchange Expense is an estimated calculation; amounts may change when actual billing occursQualification Expense Detail by Location/DateFrom 04/01/2013 To 04/12/2013Hierarchy ID: 90 - 123456789123Run Date 04/16/2013LocationIDExternal MerchantNumberDBANameCurrencyCodeDescription SubmitDateTransCountTransAmountInterchangeExpense RateContract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 123456789123 123456789123DBA NameUSD M003 MC-DOMESTIC STANDARD1636.88123456789123 123456789123DBA NameUSD M005 MC-FOREIGN ELECTRONIC PLUS30 16,819.68123456789123 123456789123 DBA Name USD M006 MC-FOREIGN STANDARD PLUS 161 61,198.36123456789123 123456789123 DBA Name USD M050 MC-LODGING 278 103,730.26123456789123 123456789123 DBA Name USD M060 MC-WORLDCARD - LODGING 525 199,105.93123456789123 123456789123 DBA Name USD M083 MC-CONSUMER CREDIT REFUND23 -4,027.16123456789123 123456789123 DBA Name USD M102 MC-CONSUMER CREDIT REFUND24 -5,918.30123456789123 123456789123 DBA Name USD M105 MC-CORPORATE CREDIT REFUND7 -1,758.77123456789123 123456789123 DBA Name USD M130 MC-CORP T & E II(US) PURCHASE4 2,190.36123456789123 123456789123 DBA Name USD M145 MC-CORP T & E I(US) BUS 16 438.68123456789123 123456789123 DBA Name USD M150 MC-CORP T & E II(US) BUS 63 30,212.01123456789123 123456789123 DBA Name USD M170 MC-CORP T & E II(US) CORP 3 2,718.09123456789123 123456789123 DBA Name USD M176 MC-CORP BUSINESS INTL FLT 26 11,505.64123456789123 123456789123 DBA Name USD M217 MC-WORLD ELITE T&E LODGING309 126,368.23123456789123 123456789123 DBA Name USD M225 MC-WORLD ELITE T&E LG TKT 6 27,850.13123456789123 123456789123 DBA Name USD M232 MC-WORLD CORP T&E RATE II B15 10,768.26123456789123 123456789123 DBA Name USD M239 MC-BUS ENH VAL T&E I 6 128.94123456789123 123456789123 DBA Name USD M244 MC-WORLD ELITE CORP T&E II B8 2,758.71123456789123 123456789123 DBA Name USD M245 MC-WORLD ELITE CORP T&E I BU125.66123456789123 123456789123DBA NameUSD M251 MC-BUS ENH VAL T&E II23 14,033.38123456789123 123456789123DBA NameUSD M306 MC-PREM CON STD ACQUSISSCA44 10,852.77123456789123 123456789123 DBA Name USD M308 MC-PREM CON ELEC ACQUSISSC3 1,046.78123456789123 123456789123 DBA Name USD M314 MC-PREM CON STD ACQUSISSLA32 8,990.02123456789123 123456789123 DBA Name USD M316 MC-PREM CON ELEC ACQUSISSL2 1,258.29TransCountTransAmountHL0129Qualification Analysis Summary by CorporateFrom 04/01/2013 To 04/02/2013Hierarchy ID: 90 - 123456789123Run Date 04/16/2013CorporateExternal MerchantNumberDBANameCurrencyCode DescriptionContract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 HL1520123456789123123456789123DBA NameUSD 37 Fraudulent transaction - no cardholder authorization123.01 0.25123456789123123456789123DBA NameUSD 81 Fraudulent transaction - card present1125.20 1.37123456789123123456789123DBA NameUSD 81 Fraudulent transaction - card present128.76 0.31123456789123123456789123DBA NameUSD 37 Fraudulent transaction - no cardholder authorization187.58 0.96123456789123123456789123DBA NameUSD 37 Fraudulent transaction - no cardholder authorization22,500.00 27.36123456789123123456789123DBA NameUSD 37 Fraudulent transaction - no cardholder authorization2265.42 2.90123456789123123456789123DBA NameUSD 81 Fraudulent transaction - card present144.00 0.48123456789123123456789123DBA NameUSD 37 Fraudulent transaction - no cardholder authorization53,662.74 40.09123456789123123456789123DBA NameUSD 75 Cardholder does not recognize transaction1318.44 3.49123456789123123456789123DBA NameUSD 81 Fraudulent transaction - card present2-978.67 -10.71123456789123123456789123DBA NameUSD 83 Fraudulent transaction - card not present2-28.88 -0.32123456789123123456789123DBA NameUSD 83 Fraudulent transaction - card not present22,024.72 22.16123456789123123456789123DBA NameUSD 75 Cardholder does not recognize transaction5380.00 4.16123456789123123456789123DBA NameUSD 83 Fraudulent transaction - card not present2380.00 4.16123456789123123456789123DBA NameUSD 83 Fraudulent transaction - card not present1304.50 3.33ItemCountChargebackAmount PercentageChargeback Fraud Summary ReportFrom 04/01/2013 To 04/03/2013Hierarchy ID: 90 - 123456789123Run Date 04/11/2013LocationIDExternal MerchantNumberDBANameCurrencyCodeReasonCodeChargebackDescriptionContract 5955 Exhibit GDocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Secure, flexible payment processing Increase sales and customer satisfaction. The more payment types you accept, the greater your opportunity for increased sales. Use the Wells Fargo Payment Gateway service to accept major credit cards, debit cards, eChecks, digital payment types, and purchasing-card Level III data — all through a single connection. Global card capabilities support more than 130 currencies with options for U.S. dollar or local currency funding.1 Use subscription services to support installment and recurring payments. It’s easy for payers to use and it enhances the shopping experience for your repeat customers. Solution integration. With the Wells Fargo Payment Gateway service, you can easily integrate online payment information into your ERP or system of record. This flexible capability means you can choose how to manage and access data, saving time, and reducing the risk of error. Manage risk. Use screening and verification services such as AVS, Card Verification Number (CVV2 or CVC2, for example), worldwide delivery address verification, export compliance checks, Verified by Visa, and MasterCard SecureCode. Take risk management a step further with Decision Manager, which lets you define automated screening rules for order disposition (accept, reject, review), integrating over 150 detectors to detect fraud more quickly and accurately. Security and system availability. PCI DSS compliance is important to your business. Reduce your risk and worries about managing sensitive payment data with the PCI- compliant Wells Fargo Payment Gateway service. Payment tokenization technology lets you move sensitive payment data off of your system and store that data at PCI-certified data centers. With high system availability, you can rest assured that you are providing your customers with an optimal experience while maximizing sales opportunities. Funding reconciliation and reporting. View and download reports (XML, PDF, and CSV formats) to manage your disputes (chargebacks), interchange, and exceptions. These reports contain the transaction order ID, enabling you to easily match information to the original transactions. View reports plus search and query transactions online. The Card Payments Reconciliation report provides information on your funding position, disputes, and card processing fees. Import the file into your system to match items and identify exceptions easily. continued Wholesale Merchant Solutions Wells Fargo Payment Gateway ® service Treasury Management Helping merchants enhance sales opportunities, manage payment risk, and streamline payments processing for electronic commerce channels The Wells Fargo Payment Gateway service puts a secure and flexible processing environment at your fingertips, providing a single source for multiple payment options, report and reconciliation services, and industry-leading tools to reduce transaction risk and manage fraud. Combine this with a Wells Fargo deposit account, and you’ll have access to next-business-day funding of your card payments in U.S. dollars. 1 Some restrictions may apply. Foreign currencies settle in U.S. dollars; multi-currencies remain in local currency. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 © 2015 Wells Fargo Bank, N.A. All rights reserved. Member FDIC. TM-2105 - 04/15 For more information on the Wells Fargo Payment Gateway service, contact your Wells Fargo treasury management representative or visit wellsfargo.com/com. How the Wells Fargo Payment Gateway service works: Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 The Decision Manager service offers: Evaluate transactions in real time. The powerful Decision Manager engine works with any web-based payments gateway to evaluate credit and debit card payments immediately. It operates behind the scenes to optimize fraud management, with no disruption to your existing data flow or customer service. Make sound fraud management decisions. Decision Manager generates a risk score for every transaction you process, based on more than 260 global validation tests and 60 billion transactions processed annually by Visa®. This current and actionable information helps you eliminate guesswork. With Decision Manager, you can make immediate accept or decline decisions based on the latest fraud threats and known issues, and even automate the decisioning process. Reduce chargebacks and fraud losses. Fraud losses come in many forms, from chargebacks on stolen card numbers to products shipped to falsified addresses. With Decision Manager, you take a proactive approach that can help identify and decline many of these schemes without any staff intervention. Stronger upfront controls, such as IP geolocation, multi-merchant transaction histories, and global delivery address and telephone number verification help protect your company and mitigate your risk. Spend less time on manual reviews. Adding Decision Manager improves staff productivity and streamlines case management. Because the system can be used to automate fraud management, staff need only review orders that meet your criteria for manual oversight. You can use Decision Manager’s flexible case management interface, or export data to your existing system. Adjust risk settings to meet your needs. You determine which transactions to accept, decline, and send for manual review, using screening profiles tailored to your products and customers. You can create and modify these business rules on demand, with no IT coding required, and test effectiveness before launching new settings. Develop a comprehensive fraud protection strategy. Adding Decision Manager starts with an analysis of your previous transactions to identify the right fraud management settings for your organization. Your Wells Fargo team works with you across the process, from planning and implementation through training and result measurement. continued Wholesale Merchant Solutions Decision Manager Treasury Management Help protect your e-commerce profits with fraud detection tools that make it fast and easy to make accept or decline decisions on your electronic payments. Today’s sophisticated and ever-changing fraud techniques can pose a real threat to your revenue from online sales. Decision Manager arms e-commerce merchants with a real-time risk score on every online transaction you process. With this powerful information, you can automate fraud management, take steps to reduce your chargebacks and fraud losses, and sell with confidence. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 ©2013 Wells Fargo Bank, N.A. All rights reserved. Member FDIC. TM-2863 12/13 For more information about Decision Manager or other Wholesale Merchant Solutions, contact your Wells Fargo treasury management representative or visit wellsfargo.com/com. How Decision Manager works: DecisionManager Accepts Declines Your customer submits an order through your website. Decision Manager instantly evaluates transactions. Decision Manager generates a risk score for the transaction. Your sta reviews suspect transactions with the flexible Decision Manager interface and make final accept or decline decisions. Routes suspect transactions for manual review Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Integration Methods Each Integration Method features a different way for payment information to enter CyberSource's system. We offer fast and simple methods and more advanced options that provide greater flexibility and control. Determine which Integration Method best matches your business' needs, learn how each method works, its advantages, and the technical skills required. Secure Acceptance Web/Mobile Accept payments from any browser – web or mobile, while benefiting from language packs and other easily configurable options. Hosted payment solution, allowing card data to bypass merchant’s network and travel directly from end-user consumer to CyberSource, greatly simplifying the PCI compliance process. http://apps.cybersource.com/library/documentation/dev_guides/Secure_Acceptance_WM/html/wwhel p/wwhimpl/js/html/wwhelp.htm Secure Acceptance Silent Order POST Host your own order page and post payment data to CyberSource to process each transaction. Direct post solution, allowing card data to bypass merchant’s network and travel directly from end-user consumer to CyberSource, greatly simplifying the PCI compliance process. Support full customization. http://apps.cybersource.com/library/documentation/dev_guides/Secure_Acceptance_SOP/html/wwhel p/wwhimpl/js/html/wwhelp.htm Virtual Terminal Use CyberSource's easiest payment solution to enter credit card orders, issue credits, and generate receipts. Your Virtual Terminal can be up & running in 15 minutes. This tool can be utilized by your staff for any transactions that need to be processed outside web or integration payments. http://www.cybersource.com/resources/quickstart/Enterprise/html/wwhelp/wwhimpl/js/html/wwhelp. htm Simple Order API Scalability, full range of services & more control for developers. CyberSource provides the client software. Implementing an API client with a CyberSource SDK requires programming skills in ASP/COM, C, Java/Cold Fusion, .NET, Perl or PHP. You should be comfortable installing libraries into your existing server environment. Access to all CyberSource transaction services. Wide support for many popular code/OS combinations. http://www.cybersource.com/developers/getting_started/integration_methods/simple_order_api/ CyberSource Transaction Web Service Schemas https://ics2ws.ic3.com/commerce/1.x/transactionProcessor/ SOAP Toolkit API Scalability, full range of services & more control for developers. You build your own client software to have scalability, full range of services and great control over buying experience. Access to all CyberSource transaction services. Any code or technology able to build a SOAP message or consume a web-service may be integrated due to the open-source nation of this solution. http://www.cybersource.com/developers/integration_methods/simple_order_and_soap_toolkit_api/so ap_api/html/wwhelp/wwhimpl/js/html/wwhelp.htm Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Batch Upload Use Offline File Submission to send CyberSource your transactions in batches, instead of submitting each one individually. In one file, you can include transactions that use different services, currencies, countries, merchant IDs, and card types, thus eliminating the burden of handling these values separately. http://apps.cybersource.com/library/documentation/dev_guides/Offline_Trans_File_Submission/html /wwhelp/wwhimpl/js/html/wwhelp.htm Recurring Billing (Subscription ID/tokenization) Consolidate one-time and recurring payment processing on a single platform. CyberSource Recurring Billing supports subscription and installment payments, enabling billing via multiple payment options in numerous currencies. Sensitive payment information is stored in secure datacenters, reducing data storage risks. http://apps.cybersource.com/library/documentation/sbc/SB_Reporting_UG/html/wwhelp/wwhimpl/js /html/wwhelp.htm#href=cover.html Account Updater Service to be used to update Recurring Billing/Subscription IDs Account Updater notifies you of changes to stored customer credit card data. Such changes could affect expiration date, credit card number, or a brand. Account Updater obtains credit card information from both Visa® and MasterCard® and provides an encrypted response file that you can use to update your data store. http://apps.cybersource.com/library/documentation/dev_guides/Account_Updater_UG/html/wwhelp/ wwhimpl/js/html/wwhelp.htm#href=ch1Intro.html Other Applications Visa Checkout http://www.cybersource.com/developers/integration_methods/visa_checkout/ PayPal Express Checkout Services http://apps.cybersource.com/library/documentation/dev_guides/PayPal_Express_SO/html/wwhelp/w whimpl/js/html/wwhelp.htm Apple PayTM http://apps.cybersource.com/library/documentation/dev_guides/apple_payments/getting_started/html /wwhelp/wwhimpl/js/html/wwhelp.htm Reporting API In addition to the pre-defined reports in the previous chapter, the Business Center offers on-demand reports. On-demand means that these reports are not automatically generated every day (or week or month), but that you can request them at any time. You can obtain on-demand reports by downloading in the Business Center, using a Client Application or Query API. http://apps.cybersource.com/library/documentation/sbc/SB_Reporting_UG/html/wwhelp/wwhimpl/js /html/wwhelp.htm#href=cover.html Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 1 Treasury Management Strategic considerations to execute your mobile payment plans October Mobile payments: the future is here Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Mobile payments: the future is here What impact will the latest advances in mobile payments have on your business, why does it matter, and how can you prepare? 1. eMarketer, “US Mobile Payments 2014: Updated Forecast and Key Trends Driving Growth.” 2 Wall Street Journal, “Apple Keeps U.S. Smartphone Market-Share Lead, But Samsung Gains Ground,” June 3, 2014. 3. Apple press release, September 22, 2014. 4. eMarketer, July 11, 2013. The mobile payments landscape is taking shape rapidly, and this change oers opportunities for merchants to rethink how they do business with their customers. We believe you should be informed about these opportunities, consider the implications, and develop plans to meet your customers’ needs. To appreciate the speed and scope of this change, consider that the first fully functional smartphone launched just seven years ago. The original Apple iPhone, which went on sale in , began a new generation of computing, and put the power of the internet and a high-powered computer in pockets everywhere. Mobile payments are a natural extension of the utility of today’s smartphones. The idea of paying with a phone is not new, but we believe we are at the inflection point where growth is likely to ignite; in fact, total mobile payments in the United States are predicted to reach billion by , up from . billion so far in . There are several catalysts coming together to ignite the adoption of mobile payments. First, a common standard is emerging in the form of contactless payments using near- field communication (NFC). NFC has been competing with other technologies, but the announcement that Apple — with roughly a share of the U.S. smartphone market — will deploy NFC into its new devices (the iPhone , iPhone Plus, and Apple Watch) may eectively define a standard. Apple sold more than million iPhones in less than one week of its launch, and sales continue to grow. Those consumers will be equipped to make payments using their iPhones. Second, merchants will be increasingly prepared to accept contactless NFC payments because they are replacing older terminals with new EMV-capable equipment (see “Movement to chip cards” sidebar on page ). Third, we believe users will prefer the speed of contactless payments, as it will require less time than inserting a chip card. Online Often called “e-commerce payments,” these are mobile payments made when the customer is not physically present in the merchant’s location but buying goods and services online using a mobile device. In person These are point-of-sale (POS) payments — such as at a cash register, kiosk, or vending machine — done with a mobile phone, made when the customer is physically present in the merchant’s location. Also called “proximity” payments, in-person mobile payments are expanding rapidly and are expected to reach an estimated billion by . What are mobile payments? Mobile payments are simply any payment performed from or via a mobile device, whether in person or online. Total mobile payments in the United States Apple Pay™ billion predicted . billion Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Mobile payments: the future is here Alternative technologies While NFC appears positioned for mass adoption, other methods of connecting users to merchant systems will continue to coexist in the payments ecosystem. Barcodes, as an example, are a mature technology that will continue to be used, particularly in environments where they are already prolific, like with big box retailers. Bluetooth low energy (BLE) is another promising technology, but it has not yet found traction. Additionally, technologies will continue to evolve and new ones will emerge as mobile payments become more prevalent. 5. Business Insider, John Heggestuen, “An Inside Look At The Starbucks App, The Most Successful Mobile Payments System In The US,” September 23, 2014. 6. Internet Retailing, Chloe Rigby, “More than 6m new customers bought from eBay by mobile in the second quarter alone,” July 13, 2014. The rise of mobile payments Over the last decade, mobile phones have become powerful computing tools. Smartphone users interact with their devices hundreds of times each day to communicate, interact with apps, search for information, track their health, and make decisions. Using their smartphones to shop online is a natural extension and, indeed, shoppers’ mobile payments transactions continue to climb — a boon for brick-and-mortar retailers such as Starbucks using in-person payments as well as web stores such as eBay using online payments. The technologies driving in-store mobile payments New technologies, especially near-field communication (NFC), tokenization, and host card emulation (HCE), are helping mobile payments become more mainstream. Near-field communication (NFC) NFC is a set of standards that allows devices with an NFC chip to communicate with each other over very short distances (inches vs. feet). Payment transactions using NFC technology require a contactless merchant terminal and an NFC-enabled mobile device. NFC transactions (like those made with Apple Pay) use a secure element, which is a protected zone inside the phone’s microchip where payment information is stored. Tokenization Tokenization is an important step in helping to secure mobile payments. Rather than exposing your actual account number, the technology uses a substitute number. This approach eectively reduces the ability for a fraudster to reuse a stolen credential. At the same time, it allows a cardholder to cancel a token without canceling the account. What’s more, if the cardholder’s mobile device is lost or stolen, there is no need to replace the plastic card with a new number because only the tokenized number is compromised. Host card emulation (HCE) HCE stores payment credentials in the cloud, which overcomes the memory constraints of the secure element approach. It also opens the technology platform to banks, alternative payment providers, Android developers, and other third parties. We advise every merchant to have a strategy and execution plan for mobile payments. In-person/POS payments At least of all eBay tr ansactions globally are touched by mobile, and more than million new customers bought from eBay by mobile in the second quarter of alone (mobile eBay sales represented billion globally in ). Online payments At million a verage weekly transactions in the U.S., the Starbucks mobile payments app accounts for of tr ansactions made at U.S. company -operated stores. Starbucks eBay Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Mobile payments: the future is here 7. Visa and EMVCo studies. What it means for your business The ability to accept dierent types of mobile payments in-store, especially with mobile wallets like Apple Pay, will allow consumers to have a more convenient purchasing experience, and businesses can potentially increase their revenue. Many consumers are likely to make smartphone-enabled payments their payment method of choice instead of plastic or cash. To fully participate in the payments evolution, you will need to make some important business decisions. Deploy the right equipment Acceptance of contactless mobile wallet technology requires POS compatibility, which means investing in new equipment, systems, and software. Merchants will also need equipment enabled to accept EMV chip cards to avoid increased liability in October . Configure checkout for ease of use Another important consideration is placement of your equipment. Countertop placement should be readily accessible and comfortable for consumers to reach, so they can insert their EMV card or make a payment with their mobile wallet. Merchants will also have the flexibility to use wireless devices for “line busting” and other uses not tied to the checkout lane. New opportunity for marketing and loyalty Compelling benefits for your business extend far beyond in-store sales to: • Support loyalty programs, targeted oers, promotions, and discounts. • Reduce fraud and compliance expense. • Maintain transaction speeds at POS terminals and streamline checkout. • Gather customer insight that enables you to oer products and promotions better aligned to a consumer’s needs and preferences. • Give consumers what they say they want — increased security, speed, and ease-of-use. Chip card transactionsMovement to chip cards A liability shift concerning EMV chip cards is coming in October , and it will aect businesses in the U.S. that take in-store payments. The movement to chip cards will help eliminate vulnerabilities tied to the older magnetic-stripe technology. EMV has proven to be highly eective in thwarting the ways hackers steal credit card data or clone cards, but U.S. businesses have not yet widely embraced it or upgraded their collection systems. After this deadline, a merchant who is unable to accept an EMV card when it is presented will retain the liability for fraud. EMV stands for Europay, MasterCard®, and Visa®, the companies responsible for backing its initial development in the s, and it is becoming the global standard. Countries that have fully integrated the EMV standards in both the issuing and acquiring sides reduced card-present transaction fraud by %.7 Please note: Online (e-commerce) and manually entered card-present transactions require other safeguards, and Wells Fargo has solutions that can help merchants mitigate risk. “ Businesses should consider not only upgrading their POS equipment, but also how to leverage mobile to provide immersive experiences that help find, connect, and reward customers.” Braden More Wells Fargo Head of Enterprise Payment Strategy Begin the purchase transaction Check for the chip Insert the Chip Card when prompted Follow the prompts Remove the Chip Card when prompted The transaction is complete! Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Mobile payments: the future is here How can we help? Wells Fargo is focused on helping our customers get ready for the next wave of payment types, as well as educating merchants about the benefits of NFC and EMV and their readiness options. Our experienced team is an invaluable resource to you. Our eReceivables team can perform a business process review (BPR) of payment receipt channels and oer cost-eective tailored solutions to strengthen fraud management and provide a comfortable experience for your customers. With technology changing quickly and changing the way you do business, it helps to engage long-time payments experts for guidance and support. The team can also provide information and resources to help businesses manage their compliance with the Payment Card Industry–Data Security Standards (PCI–DSS). To learn how you can prepare for today’s mobile payment opportunities, contact your Treasury Management Sales Consultant. Find out more about mobile payments Wells Fargo Bank, N.A. All rights reserved. Member FDIC. WCS- (/) Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Thank you for using Wells Fargo Merchant Services. What you can expect after you commit your business to Wells Fargo: • Your relationship team will gather information from you in order to comply with legal, regulatory, and other internal requirements. During this time they will keep you posted on the progress. • Your sales team will contact you to begin gathering information to complete your implementation. • Your sales team will supply and work with you to complete the necessary documentation for your implementation. What you can expect during the implementation process: • Your sales officer will introduce you to your merchant implementation manager. • Your assigned implementation manager will guide you through the implementation process by: – Providing an overview of the implementation experience – Gathering additional details – Reviewing the statement of work – Providing document resources and support for your internal technical setup – Coordinating training • As your implementation progresses you will submit test transactions to ensure a successful setup. • You and your implementation manager will coordinate a go-live date. • After your account is processing transactions, your implementation manager will monitor your account for the first 30 days. • Upon receipt of your first monthly merchant account statement, your implementation manager will conduct a statement review and introduce you to your ongoing support team. What you need to do during the implementation: • Provide additional information that may be needed to complete the implementation as requested. • Ensure your technical and financial resources are available and prepared to participate as needed. • Be prepared to discuss your reporting and reconciliation requirements. • Partner with your implementation manager to coordinate your setup, training, test transactions, and go-live date. Your merchant services implementation process Treasury Management Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Prior to implementation 2 to 4 weeks Implementation (see time table below) After implementation Wells Fargo contacts Relationship Manager Relationship or Business associate Treasury management (TM) or Merchant sales consultant TM or Merchant sales analyst Merchant implementation manager Wells Fargo merchant services What’s happening Finalize and facilitate legal contracts for merchant services and pricing Complete any credit or regulatory requirements Gather merchant implementation details Coordinate efforts of all parties Gather additional service details Complete setup of services Provide reference materials Coordinate training Provide a detailed review of the merchant card reporting Provide a merchant statement review 30 days post go-live Provide ongoing servicing and coordinate additional training as needed Implementation time table Service Definition Time to implement* Terminal 1-20 Terminal 21+ A Point Of Sale (POS) terminal refers to the hardware and software used for checkouts, serving as a tool to manage the selling process by a salesperson accessible interface. They are used in “face-to-face” transactions where both the customer and the card are present at the POS. 2 – 4 weeks 4 – 8 weeks Value Added Reseller (VAR) VAR is a 3rd party, non-Wells Fargo entity which offers a merchant payment technical solution. Authorization and settlement processing of these transactions is provided by Wells Fargo. 4 weeks Direct Connect Direct Connect allows you to connect to the processor for authorization and settlement via one of the two options: 1. MPLS Circuit – Dedicated connection from your location into the processor. Requires a Cisco router owned by the processor. 2. VPN – Dedicated connection from your location using the internet. Requires a Cisco router owned by the processor. 8 – 10 weeks Wells Fargo Payment Gateway (WFPG) – Virtual Terminal The Virtual Terminal is similar to an internet-based version of the credit card terminals used at retail stores. You can use the Virtual Terminal to process orders by keying in the payment and customer information pertinent to the order or by swiping a card with a reader. 2 – 4 weeks WFPG – Secure Acceptance Secure Acceptance is an internet-based hosted checkout experience. It consists of securely managed payment forms for processing transactions. You, the merchant, submit payments to Secure Acceptance, which is specifically designed to accept electronic payments. 4 – 8 Weeks WFPG – Application Program Interface (API) Integration API is an internet-based communication protocol that facilitates the transfer of information between separate software applications. This allows you to create your own customized order page and customer receipt to give you more control over your customer’s buying experience while connecting with WFPG to securely process your transactions. 8 – 12 Weeks WFPG – Decision Manager Decision Manager provides you with a real time risk score on every online transaction processed. This allows you to automate fraud management and takes steps to reduce your chargebacks and fraud losses. Decision Manager leverages over 60 billion transactions that Visa and CyberSource process annually, resulting in powerful insights and analytics to manage your risk and prevent fraud. 2 – 4 weeks * Actual timeframe of coding to specifications may vary by individual merchant or vendor. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 © 2014 Wells Fargo Bank, N.A. All rights reserved. Member FDIC. TM-2875 Merchant 06/14 Relationship Manager • Manages and supports your overall banking relationship Relationship associate or Business associate • Supports your relationship manager • Provides day to day customer service Treasury management sales consultant or Sales analyst • Introduces treasury management solutions • Meets with you on a regular basis to review existing services, discuss treasury management needs and share industry best practices eReceivables consultant or Sales Analyst • Introduces merchant solutions • Facilitates signing of legal contracts Merchant implementation manager • Facilitates all aspects of the end to end implementation of new Merchant services and changes to existing services • Coordinates training Wells Fargo merchant services • Provides day-to-day research and transaction support on existing accounts and services • Assists with merchant product questions • Coordinates ongoing merchant product training as needed Your Wells Fargo team Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Wells Fargo Merchant Services RFP response conditions By responding to the RFP, Wells Fargo Merchant Services is not indicating our acceptance of any of the terms or conditions contained in the RFP, including, but not limited to, any signature page statements, certifications, confirmations and the like required as part of an RFP response, and we expressly reject any terms or conditions in the RFP that purport to be binding on Wells Fargo Merchant Services by virtue of our proposal, including, but not limited to, any signature page statements, certifications, confirmations and the like required as part of an RFP response. Instead, our proposal is intended to be a description of the services we are able to provide in response to the requirements described in the RFP including a firm commitment regarding the fees we would expect to receive for those services. If our proposal is accepted in principle, we are willing to negotiate mutually acceptable terms and conditions that shall govern our payment services relationship with the City. To this end, we are providing a link to a copy of our Program Guide (http://www.wellsfargo.com/downloads/pdf/biz/merchant/program-guide- gov.pdf), which we expect to become the final contract between Wells Fargo Merchant Services and the City with respect to our payment services, and we will consider in good faith any changes to the Program Guide that you may request. In addition, the City should be aware that the processing of credit and debit card transactions is subject to the terms, conditions, policies, and procedures of the Visa® and MasterCard® Payment Networks and the non-bankcard issuers. A summary of many of the key elements of those Payment Network requirements is provided in the Operating Procedures section of the Program Guide. The terms, conditions, policies, and procedures of the Visa and MasterCard Payment Networks and the non-bankcard issuers are independently established and beyond the control of Wells Fargo Merchant Services to negotiate. Payment Network mandated fees and assessments are governed by the Payment Networks and are subject to change during the term of the contract and in accordance with the terms of the Program Guide. Wells Fargo’s pricing as provided in its response to this RFP is based upon the information provided by the City (e.g., existing processing technology, number of merchant accounts, etc.) as of the date the pricing provided in Wells Fargo’s RFP response was created. In responding to this RFP, Wells Fargo only agrees to be bound to the pricing it provided therein to the extent that the assumptions upon which it was based, was reasonably derived in relation to the information provided by the City as of the date of the creation of that pricing, are accurate and unchanged. In the event that Wells Fargo is the successful bidder, and the City subsequently provides additional information to Wells Fargo that would affect it’s the pricing (including pass through fees paid by the City), Wells Fargo shall not be bound by the pricing provided in the RFP response and shall have the right to revise the pricing based upon the corrected information provided by the City. Further, should Wells Fargo be the successful bidder for this RFP, the City shall be required to execute a Final Pricing Terms document. Information contained in this response is valid for 60 days from the date of submittal. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Purchasing Department 901-B Texas St. Denton, TX 76209 (940) 349-7100 www.dentonpurchasing.com ADDENDUM #1 RFP # 5955 SUPPLY OF DEBIT/CREDIT CARD AND ELECTRONIC CHECK PROCESSING SERVICES FOR THE CITY OF DENTON Issue Date: November 6, 2015 Response due Date and Time (Central Time): Tuesday, December 8, 2015, 11:00 A.M. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Addendum #1 to be returned with Proposal The Schedule of Events and due date are revised as follows: 4. SCHEDULE OF EVENTS The City of Denton reserves the right to change the dates indicated below: Solicitation Schedule: Issue Solicitation: 10/19/2015 Deadline for Submission of Questions: 11/6/2015 at 11:00 AM CST Deadline for Submission of Responses: 12/8/2015 at 11:00 AM CST Evaluate and rank initial results: 12/18/2015 Interview(s) with top ranked firms: 1/6/2016 Completion of Negotiations: 1/15/2016 Official Award: 2/2/2016 The City of Denton is using the solicitation ‘Issue Date’ as noted in the Schedule of Events above as the official 30 day notification requirement for an interview with a firm. Please note that the due date for responses has been moved to December 8, 2015 at 11:00 AM. NO OTHER CHANGES AT THIS TIME. Please acknowledge addendum on Attachment F of the main RFP document when submitting a proposal. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Purchasing Department 901-B Texas St. Denton, TX 76209 (940) 349-7100 www.dentonpurchasing.com ADDENDUM #2 RFP # 5955 SUPPLY OF DEBIT/CREDIT CARD AND ELECTRONIC CHECK PROCESSING SERVICES FOR THE CITY OF DENTON Issue Date: November 17, 2015 Response due Date and Time (Central Time): Tuesday, December 8, 2015, 11:00 A.M. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 5595 Debit/Credit Card and Electronic Check Processing Addendum # 2 Debit/Credit Card Processing 1. Who is the current incumbent for debit/credit card processing? The City’s current incumbent for Debit/Credit Card Processing is Elavon. 2. On a scale of 1 to 10 with 1 being extremely unhappy and 10 being extremely happy, how would you rank the incumbent? The City cannot comment on the incumbent’s performance. The City is required to go through a formal solicitation process every five years. 3. We see you mentioned Paymentus in the RFP, is the winner of this contract to replace or work with Paymentus? Paymentus (formerly, TeleWorks) serves as the City’s Application Program Interface (API) for debit/credit card payments made over the Internet and IVR (Interactive Voice Response) for Utility Billing (Customer Service) and the selected vendor would be expected to work with them. Paymentus also interfaces with North Star, the Utility Billing A/R system. However, the City is willing to review a single solution that includes API, bill presentment, point of purchase, Internet/IVR payments, E-Check, recurring card payments, outbound notifications, front portal and back end processor. The City’s Municipal Court utilizes Incode, the Building Inspections Department utilizes TrakIt and the Library utilizes Millenium/Sierra and the selected vendor will need to work with their software provider for debit/credit card payments made over the internet. 4. What CIS or cashiering software are you currently using? Each City department has software specific to their location which does not integrate into the City’s financial system. Currently, we are using Elavon’s platform for card/check processing (POP/MOTO/Internet). 5. Are you looking for PIN Debit pricing? Yes. The City is not currently accepting PIN Debit transactions but would like to provide this service with the new contract and implementation of new EMV capable equipment. 6. Are you currently absorbing or are you charging the customer a convenience fee or both? The City currently has one internet location (Utility Billing) that charges a convenience fee but only for commercial accounts. All others are absorbing the processing fees. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 7. Are you currently offering eBill presentment and if so, who is the incumbent and what is the cost? The City does offer eBill presentment through eCares, a North Star product. The City is willing to review alternative solutions that may be proposed be a vendor. 8. If not doing eBill, on a scale of 1 to 5 with 5 being extremely important, how would you rank your desire for eBill? Not applicable, the City currently offers eBill. 9. For each application/department (e.g., Utilities, Courts, Building Inspections, Library, etc.), please specify whether the e-payment solution and related transaction processing will be funded via: (1) fees paid to the vendor by the City (“Client-funded”) versus (2) fees paid by the end-user payer/customer (“Convenience Fee-funded”)? The City currently has one internet location (Utility Billing) that charges a convenience fee but only for commercial accounts. All others are absorbing the processing fees. 10. For each application/department (e.g., Utilities, Courts, Building Inspections, Library, etc.), please provide projected annual transaction volumes (by both the number of transactions (#) and by value of transactions ($-amount)), distributing the transaction volumes across the (1) payment methods (e.g., credit/debit card or e-check/ACH) and (2) payment channel (Web, IVR, City Customer Service Representative (CSR), vendor’s Call Center, Recurring, Point of Sale, etc.) that are envisioned for each application. The City has provided all volume and value information in Exhibit 1 – Pricing Sheet included with the Request for Proposals. 11. For each application/department (e.g., Utilities, Courts, Building Inspections, Library, etc.), for which electronic billing presentment is desired, how many bills are expected to be available for electronic presentment annually? The City only offers bill presentment for utility billing and approximately 86,000 bills are presented annually. 12. For each application/department (e.g., Utilities, Courts, Building Inspections, Library, etc.), for which on site card payments are desired, how many Point of Sale (POS) credit card terminals are desired? The City desires to have 50 terminals. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 13. For how many unique utility service accounts does the City bill? How many utility bills are issued annually? This City has approximately 60,000 unique utility service accounts and approximately 700,000 utility bills are issued annually. 14. Which departments/application(s) (e.g., Utilities, Courts, Building Inspections, Library, etc.) does Paymentus support? Paymentus only supports the City’s Utility Billing (Customer Service) and serves as the API for Internet and IVR (Interactive Voice Response) payments. Paymentus also interfaces with North Star, the Utility Billing A/R System. 15. Does the City seek proposals for solutions that: (1) Support the processing of payments initiated through Paymentus or (2) Support payment initiation (in lieu of Paymentus) as well as the corresponding processing of payments? The City is willing to review all options as it relates to payments. The City is willing to review a single solution that includes API, bill presentment, point of purchase, Internet/IVR payments, E-Check, recurring card payments, outbound notifications, front portal and back end processor. 16. Between which entities do the referenced API support data exchange: (1) the City’s A/R system and Paymentus or (2) the Paymentus and the Merchant acquirer/processor? Paymentus supports data exchange for both the City’s A/R system and processor (Elavon) but only for Utility Billing. 17. Per the Solicitation Checklist, vendors should review Exhibit 3 – Scope of Work. This Scope of Work document also contains questions. Do these questions require response as part of vendors’ RFP response? If so, where in the document should they be placed? The City requests a response to all questions, including those in the Scope of Work. The City prefers that responses to questions in the Scope of Work be provided in that document. 18. Per the RFP, responses should be limited to 200 pages. Does this include any appendices we may need to provide (e.g., sample reports, sample contract)? No, this does not included required supplemental information requested by the City. Please note that large files and zip files may not make it through our email system, or may take significant time to transmit via email. We request smaller documents to ensure receipt via email. Also, please note that the responses are due at the City by 11:00 A.M., C.S.T., large emails sent by respondents may not make it through our email until after Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 that time. We suggest you send smaller files and in plenty of time to clear the email server before 11:00 A.M., C.S.T. 19. Per the City’s timeline, questions are due Friday, November 6 and responses are due Tuesday, November 17. This will not allow vendors much time to finalize their response after the City supplies responses. Would the City extend the deadline so vendors have adequate time to develop a comprehensive response? The due date for proposal has been extended and they are now due by 11:00 a.m. on December 8, 2015. 20. If a vendor requires the use of a third party partner to meet the City’s requirements, would the City be willing to contract with more than one vendor? The City is willing to review all options but prefers a single contract which may or may not involve the use of a third party partner to provide certain services. 21. Regarding Exhibit 1, can you confirm based on the pricing sheet you are processing approximately $73M in sales volume annually for both credit card and check? The City confirms that this is accurate based on the last 12 months of activity. 22. Regarding Exhibit 1, can you also confirm based on the pricing sheet you are processing approximately 2,277,576 transactions (credit card and check) annually? The City confirms that this is accurate based on the last 12 months of activity. 23. How many merchant accounts (MIDs) does the City process under today? The City has 48 MIDs. 24. Do you currently use terminals? Can you provide us information on your point-of-sale terminals by location? What are the makes and models? Do you own or rent your terminals? Are they EMV compliant? The City’s current equipment is not EMV capable and the City desires to replace all equipment. The City desires to receive options for purchasing and/or leasing replacement equipment, including any special consideration a vendor might provide that would reduce the City’s overall cost. The current equipment is RDM 7111F and the City owns the terminals. 25. What PIN pads are used today? Please provide the number of each, manufacturer, make and model and if owned, rented or leased. The City desires to replace all current equipment and has no PIN Pads in use. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 26. If any location is using a POS system, please provide the company name, product name, and version, including service packs of each system. The City utilizes Elavon’s Converge (previously, VirtualMerchant) system. 27. If any of the POS systems use a third-party payment software/middleware application, please provide the company name, product name and version, including service packs of each and the POS system it is used with. The City utilizes Elavon’s Converge (previously, VirtualMerchant) system. 28. If any of the POS systems use a third-party payment gateway, please provide the company name, product name and the POS system it is used with. The City utilizes Elavon’s Converge (previously, VirtualMerchant) system which also serves as the payment gateway. 29. If a third-party payment gateway is used for web payment processing, please provide the company name and product name of the gateway and areas using this acceptance type. The City utilizes Elavon’s Converge (previously, VirtualMerchant) system which also serves as the payment gateway. 30. If a third-party payment gateway is used for IVR payment processing, please provide the company name and product name of the gateway and areas using this acceptance type along with the company name and product name of the IVR system. The City does not utilize a third-party gateway for IVR payments. 31. If a payment gateway is used for over the counter, mail or telephone payment processing, please provide the company name and product name of the gateway, locations using this acceptance type and how it is used in conjunction with each acceptance method. The City utilizes Elavon’s Converge (previously, VirtualMerchant) system which also serves as the payment gateway. 32. Who funds the City for Discover transactions today? Elavon funds all payment cards accepted by the City (Visa, MasterCard and Discover only). 33. Are you PCI compliant today and what is your PCI level? No. However, the City is working toward compliance for Level 3 processing. The City desires to receive card processing options that may assist with achieving compliance. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 34. Does any location use tokenization today? If so, please provide the tokenization method and product used. The City does not currently use tokenization but desires to implement tokenization in conjunction with award of this contract. 35. Does any location use point-to-point (P2P) or end-to-end (E2E) encryption today? If so, please provide the encryption method and product used. The City does not currently use encryption but desires to implement encryption in conjunction with award of this contract. 36. Do you have an EMV strategy? If so, what is your timeframe to implement and what solution and EMV devices (manufacturer, model name and number) are you considering? The City desires to implement EMV capable equipment in conjunction with award of this contract. The City is willing to review all equipment options. 37. Who is your current merchant card processor? When does your contract expire? The City’s current processor, except for the City’s Parks Department, is Elavon. The contract with Elavon is due to expire on May 31, 2016 but may be extended contingent on this Request for Proposals. The Libraries processor for internet transaction is PayPal. 38. What is the time frame of your current funding for payment of your settlement items? How are you funded – wire or ACH? What depository bank are your funds settled to? The City prefers same day, or next day, funding by ACH. The City’s current depository bank is Wells Fargo although the contract expires on May 31, 2016. The City is currently in the process of conducting an RFP for bank depository services to be awarded at the same time as this contract. 39. Do you currently have a recurring billing process in place? The City does not currently have a recurring billing process for debit/credit card but is interested in implementing this service. The City does have a recurring billing process for e-check payments. 40. Do you have a need for B2B or Purchasing Card Level II and/or Level III? No. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 41. Do you currently charge a convenience fee for any of your payment acceptance processes? If so, do you use a single or two-transaction model? If you use a two-transaction model, who receives funding for the second transaction? The City charges a convenience fee for commercial accounts in Utility Billing only through a two-transaction model. Elavon receives funding for the second transaction. 42. Regarding Part 1, requirement 16. a., would a browser based interface be acceptable instead of a software based interface? Yes. 43. Regarding Part 1, requirement 17.b, is there a specific POS application or system that this device is required to interface with, and if so who will develop the interface to the computer? No. 44. Regarding Part 1, requirement 17. c., is there a specific POS application or system that will drive the printer? Who would develop the interface from the device response back to the Receipt Printer and/or POS system or application? There is no specific POS application or system that will drive the printer. The vendor will be responsible for any interfaces between receipt printer and POS system/application. 45. Regarding Part 1, requirement 18, are all of the requirements pertaining to the POS system requirement? The vendor will be responsible for all POS system updates. 46. Regarding Part 1, requirement 18. d., do the City’s current maintenance contracts include upgrades at no cost? Yes. 47. Regarding Part 1, requirement 20. a., will the City accept email delivery of the reports to the Assistant Director of Finance? The City will accept email delivery of reports, if available. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 48. Will the City of Denton need new hardware/equipment or are they looking to use the existing system(s)? If so, can you provide what those are to ensure they are compatible. The City’s current equipment is not EMV capable and the City desires to replace all equipment. The City desires to receive options for purchasing and/or leasing replacement equipment, including any special consideration a vendor might provide that would reduce the City’s overall cost. 49. Please describe the role Paymentus plays in your processing? Are all payments, both card and check, ran through this system? If so are you just looking for a backend processor or are you looking for replacements or alternatives to Paymentus? Paymentus (formerly, TeleWorks) serves as the City’s Application Program Interface (API) for debit/credit card payments made over the Internet and IVR (Interactive Voice Response) for Utility Billing (Customer Service) and the selected vendor would be expected to work with them. Paymentus also interfaces with North Star, the Utility Billing A/R system. However, the City is willing to review a single solution that includes API, bill presentment, point of purchase, Internet/IVR payments, E-Check, recurring card payments, outbound notifications, front portal and back end processor. The City’s Municipal Court utilizes Incode, the Building Inspections Department utilizes TrakIt and the Library utilizes Millenium/Sierra and the selected vendor will need to work with their software provider for debit/credit card payments made over the internet. 50. I have requested some information directly from Paymentus regarding the API but was wondering if there was a specific contact there we should be contacting? The City prefers that prospective respondents not communicate with the City’s current vendors in conjunction with this Request for Proposals. 51. You mention the Library runs through PayPal but you need a processor to handle the transactions, are you using the PayFlow pro product? Yes. 52. Can you please provide a. How many MIDs you currently have? 48. b. How many users you would need to have access to the systems? 100. c. Are the MIDs representative of different physical locations in the City or different departments within the City offices? Both. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Check Processing 53. Would the City be open to full service kiosks for the acceptance of checks at the point of purchase, instead of horseshoe bend-style check processor? The City is interested in reviewing any and all alternatives for check processing equipment at the point of purchase. However, the City is not interested in removing electronic check processing from its cash custodians at the point of purchase. 54. Who is the current incumbent for check processing? The City’s current incumbent for Check Processing is Elavon. 55. Are all check types authorized through your current vendor? Only personal and commercial checks are processed through Elavon. All others are manually deposited to Wells Fargo. 56. Do you capture and transmit other data other than MICR, such as ID/driver’s license or telephone number? The City captures an image but does not transmit driver’s license or telephone information to Elavon. 57. Do you currently accept checks through your website? The City currently does accept checks through its website. The City is willing to review options for this service. 58. Please provide an outline of what reports you currently use so we can provide recommendations. The City requests that prospective vendors submit samples of their standard reports to determine if they will meet the City’s needs. 59. How do you currently collect on returned/bad checks today? The City utilizes a third-party collection agency for returned/bad checks. 60. Is it your policy to require: a. Checks be imprinted with a name (non-starter checks) No, the City does accept temporary checks. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 b. Address to be included on the check, either imprinted or written Yes. c. Phone number, either imprinted or written Yes. d. Driver License number recorded on check Yes. 61. Are checks returned to a consolidated return account or to the banks at which they are deposited? Checks are returned to the accounts at which they were deposited. 62. Regarding Part 2, requirement 4: a. Please elaborate on the requirement to “fully integrate,” what services are performed via the Paymentus API and what processors are the API certified to interface with. North Star, A/R system for Utility Billing and Elavon, card processor. b. Are there any third-party gateways or systems the API requires? No. c. If so please provide company names and product names? N/A. d. What payment types and acceptance types are certified? Visa, MasterCard and Discover. e. Is this Internet based only or does it include over-the-counter? Internet and IVR. f. Is the API EMV certified, and if so to which processors? Paymentus is PCI and EMV certified. The City does not have a full list of processors to which Paymentus is certified other than Elavon. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 g. The City requests technology specifications for all proposed systems and services. We consider this information to be proprietary. Would you be willing to sign a non- disclosure agreement? Yes. 63. Regarding Part 2, requirement 5. a., please identify all existing hardware/software used in this service today, including company name, product name and versions including any service packs, number of each and length of time owned. The City desires to replace all check processing equipment in conjunction with this Request for Proposals. 64. Do you currently offer an ACH/E-Check option for your customers to process online? The City current does offer an ACH/E-Check option through its website. However, the City is willing to review options that may replace the current system. 65. As a provider of Remote Deposit Capture services to financial institutions and direct customers, we feel our product is unique in that we can integrate directly into the bank’s core processing platforms for speed of funding and presentment of data. That being said, we wanted to ensure that a company like ours that provides RDC outside of a financial institution would be considered for the RFP. The City is willing to review all options for RDC processing of checks. 66. Are all checks presented in a paper format and then converted or are you also looking for a verification/guaranty product for electronic of telephone checks? The City does not accept checks by telephone. 67. Our current ECS imagers are flat feed style RDM terminals and not horse shoe bend style, would you consider these as an alternative? The City desires to replace all check processing equipment in conjunction with this Request for Proposals and will consider all options. There will be a 3rd Addendum to follow. Staff is still working on answering eight (8) questions and preparing an attachment. NO OTHER CHANGES AT THIS TIME. Please acknowledge addendum on Attachment F of the main RFP document when submitting a proposal. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Purchasing Department 901-B Texas St. Denton, TX 76209 (940) 349-7100 www.dentonpurchasing.com ADDENDUM #3 RFP # 5955 SUPPLY OF DEBIT/CREDIT CARD AND ELECTRONIC CHECK PROCESSING SERVICES FOR THE CITY OF DENTON Issue Date: November 20, 2015 Response due Date and Time (Central Time): Tuesday, December 8, 2015, 11:00 A.M. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 RFP 5955 – Addendum 3 Page 2 of 3 5595 Debit/Credit Card and Electronic Check Processing Addendum # 3 Debit/Credit Card Processing 1. What is your annual credit card processing volume by card type and PIN debit? The City of Denton’s total credit card volume was 300,000 transactions totaling approximately $52 million over a 12 month period. The City does not currently process PIN debit transactions. The City processed 6,500 Discover transactions totaling approximately $815,000. The City was unable to receive a breakdown of MasterCard and Visa transactions but processed a combined total of 293,500 transactions totaling approximately $51 million. 2. What is your annual number of transactions by card type and PIN debit? See response above. 3. Would you be willing to share 3 months’ worth of current processing statements so that we can analyze card mix and qualification levels? The statements are attached. Electronic Check Processing 4. What is the dollar or number of checks returned and set for warranty (guarantee) claims? This information is not currently available for the four electronic check conversion with guarantee MIDs at the Police Department. 5. What types of checks are accepted in the store and their approximate percentage of tender? Personal and Commercial checks are accepted. The percentage of tender is not currently available. 6. What is the current annualized check volume, by number of items and dollar value, presented in your stores, including checks declined for authorization? The City has processed approximately 17,000 checks totaling $11.5 million over a 12 month period. The City processes checks electronically at the following locations: Utility Billing, Municipal Court, Building Inspections, Police Department, Parks, Libraries, Finance Department, Animal Shelter, and Landfill. 7. What is the total volume, by number and dollar amount, of returned items? This information is not currently available. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 RFP 5955 – Addendum 3 Page 3 of 3 8. What percentage of returned checks (by number and dollar amount) that are submitted for collection are collected? This information is not currently available. NO OTHER CHANGES AT THIS TIME. Please acknowledge addendum on Attachment F of the main RFP document when submitting a proposal. Contract 5955 Exhibit G DocuSign Envelope ID: AA106E26-C9CD-4B69-8F51-6652BC43CCA9 Certificate Of Completion Envelope Id: AA106E26C9CD4B698F516652BC43CCA9 Status: Completed Subject: City Council Docusign Item - 5955 Wells Fargo Source Envelope: Document Pages: 210 Signatures: 4 Envelope Originator: Certificate Pages: 6 Initials: 0 Karen E. Smith AutoNav: Enabled EnvelopeId Stamping: Enabled Time Zone: (UTC-06:00) Central Time (US & Canada) karen.smith@cityofdenton.com IP Address: 129.120.6.150 Record Tracking Status: Original 6/13/2016 9:55:23 AM Holder: Karen E. Smith karen.smith@cityofdenton.com Location: DocuSign Signer Events Signature Timestamp Karen E. Smith karen.smith@cityofdenton.com Assistant Purchasing Manager City of Denton Security Level: Email, Account Authentication (Optional) Completed Using IP Address: 129.120.6.150 Sent: 6/13/2016 9:57:59 AM Viewed: 6/13/2016 9:58:13 AM Signed: 6/13/2016 9:58:54 AM Electronic Record and Signature Disclosure: Not Offered via DocuSign ID: DAVID WON xdvwon@wellsfargo.com Vice President Security Level: Email, Account Authentication (Optional)Using IP Address: 159.45.186.47 Sent: 6/14/2016 9:31:13 PM Resent: 6/15/2016 9:36:07 AM Viewed: 6/15/2016 10:34:58 AM Signed: 6/15/2016 10:36:18 AM Electronic Record and Signature Disclosure: Accepted: 6/15/2016 10:34:58 AM ID: 9dd69d2e-a4ba-4deb-80ba-de83ddc705bc John Knight john.knight@cityofdenton.com Deputy City Attorney City of Denton Security Level: Email, Account Authentication (Optional) Using IP Address: 129.120.6.150 Sent: 6/15/2016 10:36:24 AM Viewed: 6/15/2016 4:46:33 PM Signed: 6/15/2016 4:47:41 PM Electronic Record and Signature Disclosure: Not Offered via DocuSign ID: Julia Winkley julia.winkley@cityofdenton.com Contracts Administration Supervisor City of Denton Security Level: Email, Account Authentication (Optional) Completed Using IP Address: 129.120.6.150 Sent: 6/15/2016 4:47:46 PM Viewed: 6/16/2016 8:17:31 AM Signed: 6/21/2016 4:09:43 PM Electronic Record and Signature Disclosure: Not Offered via DocuSign ID: Signer Events Signature Timestamp George C. Campbell george.campbell@cityofdenton.com City Manager City of Denton Security Level: Email, Account Authentication (Optional) Using IP Address: 129.120.6.150 Sent: 6/21/2016 4:09:49 PM Viewed: 6/22/2016 3:54:33 PM Signed: 6/22/2016 3:54:48 PM Electronic Record and Signature Disclosure: Not Offered via DocuSign ID: Jennifer Walters jennifer.walters@cityofdenton.com City Secretary City of Denton Security Level: Email, Account Authentication (Optional) Using IP Address: 129.120.6.150 Sent: 6/22/2016 3:54:52 PM Viewed: 6/23/2016 8:51:04 AM Signed: 6/23/2016 8:51:14 AM Electronic Record and Signature Disclosure: Not Offered via DocuSign ID: In Person Signer Events Signature Timestamp Editor Delivery Events Status Timestamp Agent Delivery Events Status Timestamp Intermediary Delivery Events Status Timestamp Certified Delivery Events Status Timestamp Carbon Copy Events Status Timestamp Eric J Lien Eric.J.Lien@wellsfargo.com Security Level: Email, Account Authentication (Optional) Sent: 6/14/2016 9:31:17 PM Electronic Record and Signature Disclosure: Accepted: 6/14/2016 4:05:33 PM ID: 19801e60-5fb1-4312-89d0-b53e04cd2933 Julia Winkley julia.winkley@cityofdenton.com Contracts Administration Supervisor City of Denton Security Level: Email, Account Authentication (Optional) Sent: 6/15/2016 10:36:23 AM Viewed: 6/15/2016 11:00:48 AM Electronic Record and Signature Disclosure: Not Offered via DocuSign ID: Sherri Thurman sherri.thurman@cityofdenton.com Security Level: Email, Account Authentication (Optional) Sent: 6/15/2016 10:36:23 AM Electronic Record and Signature Disclosure: Not Offered via DocuSign ID: Jane Richardson jane.richardson@cityofdenton.com Security Level: Email, Account Authentication (Optional) Sent: 6/21/2016 4:09:47 PM Viewed: 6/22/2016 8:19:14 AM Carbon Copy Events Status Timestamp Electronic Record and Signature Disclosure: Not Offered via DocuSign ID: Robin Fox Robin.fox@cityofdenton.com Security Level: Email, Account Authentication (Optional) Sent: 6/21/2016 4:09:47 PM Electronic Record and Signature Disclosure: Accepted: 10/9/2015 1:39:51 PM ID: 04463961-03db-4c4d-9228-d660d6146ed6 Jennifer Bridges jennifer.bridges@cityofdenton.com Procurement Assistant City of Denton Security Level: Email, Account Authentication (Optional) Sent: 6/23/2016 8:51:19 AM Viewed: 6/23/2016 10:38:48 AM Electronic Record and Signature Disclosure: Not Offered via DocuSign ID: Jane Richardson jane.richardson@cityofdenton.com Security Level: Email, Account Authentication (Optional) Sent: 6/23/2016 8:51:20 AM Electronic Record and Signature Disclosure: Not Offered via DocuSign ID: Antonio Puente Antonio.Puente@cityofdenton.com Security Level: Email, Account Authentication (Optional) Sent: 6/23/2016 8:51:22 AM Electronic Record and Signature Disclosure: Not Offered via DocuSign ID: Notary Events Timestamp Envelope Summary Events Status Timestamps Envelope Sent Hashed/Encrypted 6/23/2016 8:51:22 AM Certified Delivered Security Checked 6/23/2016 8:51:22 AM Signing Complete Security Checked 6/23/2016 8:51:22 AM Completed Security Checked 6/23/2016 8:51:22 AM Electronic Record and Signature Disclosure ELECTRONIC RECORD AND SIGNATURE DISCLOSURE From time to time, City of Denton (we, us or Company) may be required by law to provide to you certain written notices or disclosures. 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