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

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ATM/DEBIT NETWORK RULES NOTICE: This information is a summary of common ATM/Debit Network rules; however card acceptance, processing and chargeback procedures are subject to change. ATM/DEBIT NETWORK CARD ACCEPTANCE PROCEDURES 1. Discrimination: 1.1 MERCHANT shall honor all valid CARDS without discrimination. When MERCHANT has multiple locations, the MERCHANT shall instruct each location not to discriminate between the cardholder and other customers. 1.2 MERCHANT shall not require cardholders to provide personal information (such as telephone number or address) as a condition for honoring a CARD, unless required by the RULES. 1.3 MERCHANT may not require or request the cardholder's signature or any other means of verifying the cardholder's identity. 1.4 MERCHANT shall place the PIN Entry Device in an area accessible by all cardholders and that can reasonably prevent others from observing the entered PIN. 1.5 MERCHANT shall not request or require the cardholder to provide or disclose their PIN in any oral or written manner to the MERCHANT. 2. SALES DRAFTS: 2.1 MERCHANT shall deliver to the cardholder at the time of a SALE a true and completed copy of the SALES DRAFT evidencing a SALE involving use of a CARD. The SALES draft must comply with the requirements of all RULES, and LAWS. 2.2 The following information must be included on the SALES DRAFT: (i) CARD account number; (ii) MERCHANT's DBA name; (iii) MERCHANT's city and state; (iv) amount of SALE; and (v) SALE date. 2.3 A SALES DRAFT shall be made available to the cardholder at each terminal. 2.4 MERCHANT may not require or request the cardholder to divulge the PIN belonging to that cardholder. 2.5 MERCHANT shall not impose any fee or charge without the prior written consent of TMS and BANK. If surcharging is approved by TMS and BANK, it must be a separate line item on the SALES draft and must be in compliance with all NETWORKS' rules, and LAWS. 2.6 MERCHANT shall not process any SALE if the terminal does not receive an authorization code. When a denial to an authorization request is received, the POS transaction shall not be completed, unless completed as a MERCHANT Store and Forward Transaction or Resubmission Transaction. 2.7 A SALE shall not be completed if the MERCHANT knows or should know that the SALE is fraudulent or not authorized by the cardholder. 2.8 A SALE may be reversed or voided electronically, but only if such reversal/void is entered prior to midnight of the calendar day on which the SALE was initiated. To effect a reversal or void, cardholder must re-enter the PIN, the magnetic stripe reader must read the card, and MERCHANT must transmit the trace number and the exact dollar amount of the SALE to be reversed or voided. A reversal or void must be initiated at the same MERCHANT identified on the SALES draft at which the original SALE was initiated, but need not be initiated at the same POS terminal. 2.9 All returns shall be processed in accordance with the MERCHANT's normal procedures, except that MERCHANT or cardholder shall not attempt to reverse a previously approved POS Transaction, unless otherwise permitted in accordance with the rules. 2.10 Any SALES known by the MERCHANT to be erroneous should be canceled and re-billed, in the cardholders presence. 2.11 Balance inquiries may be performed only by the cardholder at a cardholder-operated terminal and shall at all times require the cardholder to enter the PIN and use the magnetic stripe reader. 3. SALES DRAFTS - Distribution and Storage of Information: 3.1 MERCHANT shall not disclose a cardholder's account information or any other personal information to third parties other than to MERCHANT's agents for the purpose of completing the SALE or as specifically required by law or by the RULES 3.2 MERCHANT shall store in a limited access area for at least one (1) year after the date of SALES all transaction records and MERCHANT shall make and retain for at least two (2) years the original or legible microfilm copies of both sides of all transaction records; Prior to discarding, MERCHANT shall destroy or make unreadable all material containing cardholder account numbers. 3.3 There are no voice authorizations for transactions and no manually imprinted SALES drafts. 4. Promotional Materials: 4.1 MERCHANT will adequately display promotional materials to inform the public that MERCHANT will honor CARDS. 4.2 All uses by MERCHANT of decals, signs, printed and broadcast materials and other promotional materials must be in conformity with the requirements of the NETWORKS, TMS, and BANK. MERCHANT will not at any time do, or cause to be done, any act or deed in any way impairing or intended to impair TMS's, BANK's, NETWORKS's, or SPONSOR's exclusive right, title and interest in and to its respective protected marks. 4.3 MERCHANT may use promotional materials only to indicate that CARDS are accepted for payment and shall not indicate, directly or indirectly, that MERCHANT has received endorsement of any goods or services other than the CARDS' services. 4.4 MERCHANT may not refer to CARDS in stating eligibility for its products, services, or membership 4.5 MERCHANT shall permit TMS and BANK or SPONSOR, at all reasonable times, to inspect the MERCHANT's use of the promotional materials. Should any materials fail to meet TMS's, BANK's, NETWORKS' or SPONSOR's approval, for any reason, the MERCHANT agrees to cease using such material. Neither TMS, BANK, NETWORKS nor SPONSOR shall be liable to MERCHANT for losses relating to the disapproval of use of such materials. 4.6 MERCHANT shall be responsible for all costs associated with promotional material. 4.7 All advertising or publicity by any terminated MERCHANT using the Service mark shall immediately cease upon such termination. 201108 MTPA Terms and Conditions Page 19 of 35 CONFIDENTIAL