FIRST NATIONAL BANK OF OMAHA/TSYS MERCHANT SOLUTIONS, LLC 1 -2013

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5. Authorization: 5.1 On all SALES, MERCHANT shall request an authorization for the total amount of the SALE and shall record the positive authorization response code on the SALES DRAFT prior to completing the SALE. If MERCHANT receives a negative authorization response, MERCHANT shall not complete the SALE and may receive further instructions from the authorization center. 5.2 MERCHANT may not, after receiving a negative response or decline on an authorization request: A. split the SALE amount into multiple transactions in order to obtain a valid authorization for each one, so that the separate transactions total the original dollar amount of the SALE; or B. attempt any further electronic or voice authorizations. 5.3 In the event that an unsigned CARD is presented at the point of sale, MERCHANT must request that cardholder provide proof of identification and sign the card before completing the SALE. Details of the identification provided must be placed on the SALES DRAFT unless prohibited by local law. In the event that the cardholder refuses to do so, the SALE must not be completed. 5.4 In any of the following cases, MERCHANT shall obtain authorization from the voice authorization center, designated or approved by TMS and/or BANK, before completing a SALES transaction: A. paper MERCHANTS whose SALES exceed MERCHANT's floor limit as established by TMS and BANK, or amended from time to time; B. an unsigned CARD is presented; C. if MERCHANT believes the CARD may be counterfeit or stolen or that the SALE is in some other manner suspicious or unusual, MERCHANT should state to the voice authorization clerk, "This is a Code 10" and await further instruction; or D. in any other circumstances hereinafter established by TMS and BANK or stated in the RULES and/or AGREEMENT. 5.5 If permitted in writing by TMS and BANK, a retail store that accepts an infrequent telephone order transaction should obtain an authorization using the above authorization procedures. The floor limit for Card Not Present authorization is zero. In such cases, the authorization does not protect the MERCHANT from CHARGEBACKS where the cardholder disputes that the CARD use was authorized. 5.6 MERCHANT shall indicate to the voice authorization center the reason for the authorization request except where the sole reason for the request is that the SALE exceeds the MERCHANT's floor limit. 5.7 When MERCHANT requests and receives a positive authorization code, MERCHANT shall enter such code onto the SALES DRAFT. In the event that a negative response is obtained, the MERCHANT shall not complete the SALE and, if instructed, shall attempt to pick up CARD by reasonable and peaceful means and notify the voice authorization center and ask for further instructions. 6. Recovery of Cards: 6.1 MERCHANT shall use its best effort to recover any CARD, by reasonable and peaceful means, if: A. the account number thereon is listed on an Electronic Exception File; B. the printed four digits do not match the first four digits of the embossed account number (VISA); C. MERCHANT is advised to do so by the authorization center; or D. MERCHANT has reasonable grounds to believe such CARD is counterfeit, fraudulent, or stolen. 6.2 This obligation upon MERCHANT in no way authorizes a breach of the peace or any injury to persons or property, and MERCHANT will hold TMS, BANK, and the ASSOCIATIONS harmless from any claim arising from any injury to person or property or other breach of peace. 7. Multiple SALES and SALES DRAFTS and Partial Consideration: 7.1 Generally, all SALES accomplished at the same time should be included on one SALES DRAFT. 7.2 MERCHANT shall not affect a SALE when only part of the amount due is included on the single SALES DRAFT except: A. when the balance of the amount due is paid by the cardholder at the time of the SALE in cash, by check, with another CARD, or any combination thereof; or B. when the cardholder executes two separate SALES DRAFTS in a delayed delivery transaction, whereby a deposit is made by completion of one SALES DRAFT and payment of the balance is tendered by completion of a second SALES DRAFT, conditioned upon delivery of merchandise or performance of services. If the total amount of both SALES DRAFTS exceeds the floor limit, authorization must be obtained. 7.3 The use of multiple CARDS for one purchase is permissible, as long as an individual SALES DRAFT is used for each CARD. The use of multiple SALES on one CARD, for one purchase, is not permitted 8. Returned Merchandise and Adiustments: 81 If MERCHANT agrees to credit a cardholder for any merchandise or service that was the subject of a SALE, MERCHANT must provide a Credit Transaction Receipt using the same CARD as in the original SALE. Such credit shall not exceed the original SALE amount. MERCHANT shall not make any cash refund on SALES. 82 MERCHANT may limit its acceptance of returned merchandise or establish a policy to make price adjustments for any SALE provided proper disclosure is made and purchased goods and service are delivered to the cardholder at the time of the SALE 83 Proper disclosure means the words "NO REFUND," "EXCHANGE ONLY," or "IN STORE CREDIT ONLY" are printed in large letters near the signature line on all copies of the SALES DRAFT prior to obtaining the cardholder's signature on the SALES DRAFT. MERCHANT may stipulate other special circumstances or terms of the SALE on the SALES DRAFT. 84 For each credit transaction, MERCHANT must be able to provide TMS and BANK with evidence of the original purchase. 9. Cash Transaction: 91 MERCHANT shall not receive money from a cardholder and subsequently prepare a credit voucher for the purpose of depositing to the cardholder's account. 201108 MTPA Terms and Conditions Page 12 of 35 CONFIDENTIAL