Terms of Service ROI

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1. DEFINITIONS AND RULES OF INTERPRETATION

(a) Unlessotherwisestated,thedefinitionssetoutintheglossaryattheendoftheseTOSapplytotheAgreement.

(b) Singulartermsshallincludetheplural,andviceversa,unlessthecontextotherwiserequires.

(c) “Including”shallnotbeconstruedasexclusiveorlimiting,andshallgenerallymean“includingbutnotlimitedto.”

(d) AnyreferencetoasectionshallbetotherelevantsectionoftheseTOS,andapartorparagraphshallbetotherelevantpartorparagraphoftherelevantscheduleunlessotherwisestated.

(e) ReferencestoaPersonincludeareferencetothatPerson’ssuccessorsorassignees.

(f) In the event of a conflict between the documents comprising the Agreement (excluding any SecurityDocument),thefollowingorderofprioritywillapply,onlytotheextentofsuchconflict:(i)theseTOS;(ii)theApplication;(iii)anyotherAgreementyouhaveenteredintowithElavonforsimilarorrelatedservices; (iv)anyagreemententeredintopursuanttosection6(a)(ii);(v)theOperatingGuide;and(vi)anyotherguidesormanualsprovidedtoCustomerfromtimetotime;provided,however,intheeventofaconflictbetweentheAgreementandtheCardSchemeRules,theCardSchemeRuleswillprevailandtheAgreementwillbeinterpretedtogiveasfulleffectasispossibletoboththeCardSchemeRulesandtheAgreement.

(g) InthisAgreement,referencestoanyenactmentshallbedeemedtoincludereferencestosuchenactmentasamended,re-enactedorextendedandanysubordinatelegislationmadefromtimetotimeunderit.

2. THE AGREEMENT, RULES AND LAWS

Youshallcomplywiththefollowingatalltimes:

(a) theprovisionsoftheAgreement;

(b) theCardSchemeRules;

(c) allLaws;and

(d) yourobligationsrelatingtothesaleand/orsupplyofgoodsand/orservicesbyyoutoyourcustomers.

3. CARD ACCEPTANCE

UnderthisAgreement,unlessotherwiseagreedwithElavon,youshall:

(a) onlyacceptvalidandcurrentCardsaspaymentforanyofthefullrangeofgoodsand/orservicesthatyouhavesoldandsupplied.

(b) acceptTransactionsonlyinaccordancewiththetermsandconditionsoftheAgreement;

(c) not imposeany financial limit in respect of Transactions, or otherwise establishminimumormaximumTransactionamounts;

(d) notuseyourpersonal/businessCardstoconductaTransactionincircumstanceswhereyouareactingasbothCustomerandCardholder;

(e) notacceptTransactionsinrespectofwhichanemployee,directororothermemberofyourbusinessistheCardholder;

(f) onlyacceptTransactionsinthecurrency(orcurrencies)statedintheApplication;

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(g) subjecttosections3(h)and3(i),whendealingwithyourcustomers,treatpurchasesbyCardinthesamewayascashpurchases,includingofferingthegoodsand/orservicesyousellatthesamepriceregardlessoftheformofpayment;

(h) wherepermittedbytheCardSchemesorbytheLaws,beentitledtoofferareductiontoacustomerforusingaCard,providedthatyouclearlyinformtheCardholderatyourbusinesslocation,beforeacceptingtheTransactionoftheamountormethodofcalculationofanysuchreduction;and

(i) wherepermittedbytheCardSchemesorbytheLaws,beentitledtosurchargeacustomerforusingaCard,providedthat(i)anysuchsurchargebearsareasonablerelationshiptoyourcostofacceptingtheCardand(ii)youclearly informtheCardholderatyourbusiness location,beforeacceptingtheTransaction,oftheamountormethodofcalculationofsuchsurcharge.AllrequirementsofLaws,anyCompetentAuthorityortheCardSchemesregardingdisclosureofsuchasurchargemustbecompliedwithbyyou.

4. YOUR BANK ACCOUNT

(a) Establishment and authority.Youshall:

(i) openandthroughouttheTermoftheAgreementmaintainYourBankAccount(s);and

(ii) maintainsufficientfundsinYourBankAccount(s)onamonthlybasis,tocoverourMerchantServiceCharges,anyChargebacks,allFeesandAdjustmentsandanyothersumsdueandpayabletousunderorinconnectionwiththisAgreement.

(b) Changes to Your Bank Account.

(i) Youmust:

(aa)subjecttosection4(b)(i)(bb),providethirty(30)dayswrittennoticetousbeforeyouchangeYourBankAccount,includingthefinancialinstitutionorthelocationofthebranchatwhichYourBankAccountismaintained,andyoushallnotimplementsuchchangeswithoutourpriorwrittenconsent(suchconsentnottobeunreasonablywithheldordelayed);

(bb)notifyusinwritingimmediatelyifanychangestoYourBankAccountdetailsareimposedonyou,givingusfulldetailsofsuchchangesandthereasonsbehindthem.

(ii) ElavonwillhavenoliabilitytoyouwhatsoeverforanylosscausedbyanydelayinpaymentsintoYourBankAccountpursuanttosection4(d),duetoand/orduringanychangesetoutinsection4(b)(i).

(c) Direct Debit Mandate.

(i) Unlessweagreeotherwise,youshallmaintainwithyourbankaninstructionauthorisingustodirectlydebitfromYourBankAccountallsumsthatbecomedueandpayablebyyoutousunderorinconnectionwith thisAgreement at the timewespecify (“Direct Debit Mandate”) andwemaydebitYourBankAccountinaccordancewiththeDirectDebitMandate.

(ii) Subjecttosection4(b)(i)(bb),youmustalwaysobtainourpriorwrittenconsenttomodify,limitorrevokeanyDirectDebitMandaterelatingtoYourBankAccountregardlessofwhereitisheld.IntheeventthatyourevokeanyDirectDebitMandateatanytimeduringtheAgreement,Elavonreservestherighttochargeyouforsuchrevocation.

(iii) The Direct Debit Mandate shall remain in effect throughout the term of the Agreement and afterterminationof theAgreementuntil the laterof (i) threehundredandninety (390)days following theeffectivedateofterminationoftheAgreement,or(ii)untilallyourObligationshavebeenfulfilled.

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(d) Payments into Your Bank Account

(i) SubjectalwaystotheLaws,CardSchemeRules,anydirectionofaCompetentAuthorityoranydeductionmadebyaCardSchemeandsections14and15,ElavonshallpayyouforallSalesTransactionsacceptedbyyouinaccordancewiththisAgreementbytransferringtheSettlementFundstoYourBankAccount.

(ii) PaymentsintoYourBankAccount,subjectalwaysto4(d)(i)willbemadeinaccordancewiththefundingfrequencydetailssetoutintheApplication(subjectalwaystoElavon’srighttoincreasethefundingfrequencyperiodbythenumberofdelaydays,alsosetoutintheApplication).

(e) Provisional credit.AllpaymentsintoYourBankAccountpursuanttosection4(d)aresubjectto(i)auditandadjustmentbyElavonforinaccuraciesorerrors,(ii)Chargebacks,(iii)allotherFeesandAdjustments;and(iv)anyconditionalcreditElavonmayelecttograntforindividualorgroupsofTransactions.

(f) Acquiring limits.ElavonmaylimitthevolumeofTransactionsitwillacquirefromyou.SuchlimitmaybechangedbyElavonfromtimetotime,uponreasonablenoticetoyou.Ifyouexceedtheestablishedlimit,ElavonmaysuspendtheacquiringofTransactions,andeitherreturnallTransactionsexceedingtheagreedvolumetoyouorretainthesumsitwouldotherwisepayintoYourBankAccountpursuanttosection4(d)inaccordancewiththeprovisionsofsection14.

(g) Card Scheme Fees.IfCardSchemeFeesoranysimilarfeesareadjustedand/orintroducedbytheCardSchemesoranIssuerforanyreason,Elavonreservestherighttopassonanysuchadjustmentornewfeetoyoupursuanttosection27(g).CardSchemeFeesandrulesapplicabletoMastercard®Transactions,areavailableonMastercard’spublicinternetsiteatwww.mastercard.com.Inaddition,informationregardingTransaction-relatedcardschemefeesareavailableviatheReportingTool.

(h) Customer statements.Elavonwillprovideyouwithmonthlystatementsshowing thevalueofallSalesTransactions acquired by Elavon as well as any: Merchant Service Charges; Refunds; Chargebacks;chargesintheScheduleofFees;InterchangeFees;aswellasFeesandAdjustments.

5. OUR FEES

(a) YoushallpayElavontheMerchantServiceCharges,allotherchargessetoutinScheduleofFeesandanyotherFeesandAdjustments(plusanyVATapplicable)payablebyyouinaccordancewiththeprovisionsofthisAgreement.

(b) Wemayfromtimetotimevarythefeesandchargessetoutatsection5(a)aboveand/orintroducenewadditionalchargesinaccordancewithsection27(g).

(c) AtanytimethroughoutthelifetimeofthisAgreement,youcanrequestthatElavonprovidesyouwithanofferoftheMerchantServiceChargeonanInterchangePlusPlusbasis.

(d) IfyouareanInterchangePlusPlusCustomeranychangesinCardSchemeFeesoranyothercostschargedby theCardSchemestoElavonwillbeautomaticallypassedon toyou,howeversuchchangesdonotconstituteanamendmenttotheAgreement.Wewillendeavourtoprovide2(two)months’noticeofanymaterial change inCardSchemeFeesorCardSchemeFineswhere reasonablypracticable. If youarenotanInterchangePlusPlusCustomer,changesinCardSchemeFeesandcostschargedbytheCardSchemes,mentionedinthefirstsentenceofthissection5(d)willnotbeautomaticallypassedontoyouandanychangestotheAgreementwillbedealtwithinaccordancewithsection27(g)below.

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6. TERMINALS AND OTHER GOODS

(a) Use.

(i) Unlessalternative formsof acceptingTransactionsareprovided forby theCardSchemeRulesortheLaws,youshalluseaTerminalforacceptingTransactionsregardlessoftheamountinvolvedandnotwithstandinganyAuthorisedFloorLimit.

(ii) ExceptforThirdPartyTerminalsandCardReaders,Elavonwillinstallorcausetobeinstalled,andyouwillacceptonhireonElavon’sterms,aTerminalforprocessingTransactions.YouagreetoenterintoahireagreementfortheTerminals(whereElavonadvisesyouthatadditionaloralternativetermstothosesetoutintheAgreementforsuchrentalarerequired),otherthanThirdPartyTerminals.

(iii) Forthepurposesofsection6(a)(i),thoseTerminalsshalleitherbe:

(aa)providedtoyoubyElavoninaccordancewithsection6(a)(ii);

(bb)ThirdPartyTerminals,subjectto(i) thepriorwrittenconsentofElavonand(ii) thetermsofthisAgreement;or

(cc)CardReaderspurchasedinaccordancewithsection6(h).

(iv) TheplacementofaTerminalonyourlocationsshallbeagreedbetweentheparties.ElavonreservestherighttowithholdorwithdrawitsagreementorconsenttotheplacementoftheTerminalsincludingThirdPartyTerminals,intheeventofthelocationsbeing,orbecoming,unsatisfactoryforthatpurpose.

(v) Youshallprovide,maintainandpayforallpowerandtelecommunicationsconnectionsnecessarytooperate theTerminals including,payment forall relatedcharges incurredbyyou ingainingaccesstoandusingtheMerchantServices.Youshallnotuse,orpermittobeused,theSIMcardfromanyGPRSTerminalforanypurposeotherthanthetransmissionandreceiptofdatainconnectionwiththeMerchantServices.Ifyoudosoinbreachofthissection6(a)(v),thenyoushallbeliableforalladditionalvoicecalland/ordatatransmissionchargesincurredplusanadministrativechargetocoverallcostsincurredbyusinrecoveringthoseadditionalchargesfromyou.

(vi) Youshallfromtimetotime,providetoElavonuponrequestthefollowinginformationinrelationtoeachThirdPartyTerminalorotherPED:

(aa)stockandserialnumbersofeachThirdPartyTerminal(andinaddition,youshallkeeparecordofsuchinformationyourself);

(bb)locationofCardReadersorotherPEDs(andinaddition,youshallkeeparecordofsuchinformationyourself);and

(cc)detailsofThirdPartyTerminalmanagementsystems(basicformofelectronicidentificationandvalidationofPEDs).

(vii) IfyouuseValueAddedServicesforthepurposesofdatacaptureand/orauthorisationorotherwisewithrespecttoThirdPartyTerminals,youagree:

(aa) thattheThirdPartyVendorprovidingsuchValueAddedServiceswillbeyouragentinthedeliveryofTransactionstoElavonviaadataprocessingsystemornetworksimilartoElavon’s;and

(bb)toassumefullresponsibilityandliabilityforanyfailureofthatThirdPartyVendortocomplywiththeLaws,theCardSchemeRulesandtheAgreement.ElavonshallnotberesponsibleforanylossesorexpensesincurredbyyouasaresultofanyerrorbyaThirdPartyVendororbyamalfunctioninaThirdPartyTerminal.

(viii)Except forThirdPartyTerminals, youwill operateandkeep theTerminalsclean,free fromdamageandmisuse,safeandsecure,andyoushallnotifyElavonpromptlyifanyrepairtotheTerminalora

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replacementTerminalisrequired.YoushallnotrepairorattempttorepairordisassembleanyTerminal.YoushallreplaceorupgradetheTerminalsasElavonortheCardSchemesmayrequirefromtimetotime.IfanyrepairorreplacementofaTerminalisrequiredduetodamageormisuseoftheTerminalortheTerminalislostorstolen,thenElavonshallhavetherighttorecoverfromyouthecostofsuchrepairorreplacement.Elavon’sdecisionastowhethertherepairorreplacementisduetodamageormisuse,ortheTerminalhasbeenlostorstolenshallbefinalandbinding.

(ix) TherentalfeesandanyrepairorreplacementchargespayablebyyouforTerminalssuppliedbyElavonwillbedebitedtotheMerchantBankAccountonamonthlybasisbydirectdebit.

(x) Unless your Terminals are Third Party Terminals, you must return them to Elavon within ten (10)BusinessDays following terminationof theAgreementand immediatelypayElavonany rental feesowed.ATerminalRecoveryFeewillbecomepayable inaddition.TheTerminalRecoveryFee isanadministrativechargeonly,paymentandacceptanceofwhichshallnotamounttoawaiverofdamages,compensationorotherfeesduetoElavon.IntheeventthatanysuchTerminalisnotreturned,Elavonmaycharge you the cost of replacing that Terminal in addition to aTerminalRecoveryFee.UponterminationoftheAgreementElavonmaychargetotheMerchantAccountthereplacementcostoftheTerminal,whichshallberefundeduponreceiptbyElavonoftheTerminalinsatisfactoryconditionandgoodworkingorder,freefromdamage.YouwillcarrytheriskofTerminalsintransitsothatifanyTerminalislostorreturnedinadamagedcondition,ElavonmaychargeyouanappropriateamounttocoveranyrepairsorreplacementofthatTerminal.

(b) Third Party Terminals.

(i) Pursuanttosection6(a)(iii)(bb),youmayutiliseatyourownexpenseThirdPartyTerminals,providedsuchThirdPartyTerminalsareinallrespectscompliantwiththerequirementsoftheCardSchemesincluding, for the protection of Cardholder information. You agree that the onus of showing suchcomplianceshallrestwithyou.

(ii) IfwehaveagreedthatyoumayuseaThirdPartyTerminal,youshalleithereffecttheoutrightpurchaseofanysuchThirdPartyTerminalorshallensure itscontinuedanduninterruptedavailabilitybywayofleasingorhiringorsimilarsucharrangement.IfyourThirdPartyTerminalsareleased,youshallbeobligedtohonourthetermsandconditionsofyourleasingcontract.However,youmaynotuseaThirdPartyTerminaluntilElavonhastestedandapproveditslocationandrelevantsystems.Inaccordancewithparagraph1(c)ofSchedule1andsection21(h),whereyouemployaThirdPartyTerminal,youwillassumefullresponsibilityandliabilityforanyfailureoftheThirdPartyTerminaltocomplywiththeLaws,theAgreementandtheCardSchemeRules.

(iii) Youwill operate and keep the ThirdParty Terminals in goodworking order and repair, replace orupgradethemasElavonortheCardSchemesmayrequirefromtimetotime.

(c) Chip and PIN Technology.

(i) YouareresponsibleforensuringthatyourTerminals,andyouruseofthoseTerminalsareChipandPINCompliant.

(ii) YoushallhavesoleandexclusiveliabilityforfraudulentTransactionsthatoccurbutwhichcouldhavebeenpreventedhadyoubeenChipandPINCompliant.Withoutlimitingtheforegoing,subjecttothetermsoftheAgreement,liabilityforallfailedorfraudulentTransactionscarriedoutusingC&PCardswillstillrestwithyou,inanycase,whereyouacceptaC&PCardTransaction:

(aa)usingaTerminalorThirdPartyTerminalthatdoesnotincorporateChipandPINTechnology;

(bb)usingaTerminal,CardReaderorThirdPartyTerminalwhichincorporatesChipandPINTechnologybutdoesnotusetheChipandPINfunctionalitytoaccepttheC&PCardTransaction;

(cc)withoutusingaPINPad.

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(d) Use and availability of PIN Pads

(i) ACardholder’sCardinformationandPINareconfidential.YoumaynotrequestorrequireaCardholdertodisclosehis/herPINatanypointduringpayment.DuringtheTransactionprocess,youmustprovideareasonablysecureareaforCardholderstoentertheirPINintothePINPad.YoushallcauseaTerminalandPINPaddevicetobereadilyavailableatyourlocationsforusebyallCardholderswheneverC&PCardsareaccepted.Youshall takeall reasonablesteps toensure thatallTerminalsandPINPadsfunctionwithaminimumoferror,inareliablemannerandinaccordancewiththestandardsestablishedfromtimetotimebyElavonandtheCardSchemes.

(ii) ExceptwhereotherwiseallowedbytheCardSchemeRulesortheLaws,youshalluseaTerminaltoinitiateeveryC&PCardTransactionandyoushallrequirethateithertheCardholderoryouinsertand/orswipetheC&PCardthroughtheTerminal.NoC&PCardTransactionmaybeinitiatedunlesstheC&PCardisphysicallypresent.

(iii) You shall require that eachCardholder enter his/herPIN using aPINPad at the Terminal.UnlessotherwiseallowedbytheCardSchemeRulesortheLaws,youcannotrequestaC&PCardCardholdertosignaTransactionReceiptorotherreceipt,orrequireanyothermeansofidentification.

(iv) Subject to theLawsand theCardSchemeRules, in theeventofChipFailureduringaC&PCardTransaction,theTransactionmaybecompletedasamagnetic-stripe-readTransactionbutmustbesubmittedforAuthorisation,inaccordancewiththeproceduresdetailedintheOperatingGuide.

(v) IfyouacceptC&PCards,nodatareferencingtheCardholder’sPINshallbeprintedonanyTransactionReceipt.

(e) Refunds

(i) IfpermittedbytheapplicableCardScheme,youmayelectronicallyprocessaRefundforaC&PCardTransactiononlyatthesameCustomernamedontheTransactionReceiptwheretheoriginalC&PCardSalesTransactionwasinitiated.ARefundrequiresthefollowingprocedures:

a. theCardmustbeinsertedand/orswipedthroughtheTerminal;

b. theCardholdermustre-enterthePINonthePINPad;

c. CustomermusttransmittheAuthorisationCodeandtheexactamount(intherelevantcurrency)oftheTransaction(orpart)tobecreditedorrefunded.

(f) Manual Processing (or Back-Up Procedures)

IfforanyreasonyourTerminalceasestofunctioncorrectlyoratall(e.g.itisunabletoreadthemagneticstripeonaCard),youwill,withrespecttoCards,followthemanualorotherback-upprocessingproceduresintheOperatingGuideorotherTerminaluserguide,andshallotherwisefollowanyproceduresspecifiedbyElavon.AnymanualTransactionReceiptsmustcomplywiththedatarequirementsfromtimetotimeoftherelevantCardScheme.

(g) Wireless Terminals

(i) LimitationsofWirelessTechnology.IfyouuseaCardReaderorotherWirelessTerminal,youacknowledgeandagree thatdue to thenatureofwireless technology,certain limitationsexist thatmayaffect theperformance,CoverageAreaandreliabilityofwirelesstechnologyandwirelessprocessinginrelationtoaCardReaderorotherWirelessTerminal.IntheeventthatyourabilitytoprocesswirelessTransactionsislimitedorpreventedforanyreason,youagreenottousetheWirelessTerminalandinstead,toprocesstheTransactionusingalternativemeansassetoutintheAgreement.

(ii) CompletingUnauthorisedTransactions.IfyouchoosetocompleteaCardReaderorotherWirelessTerminalTransactionwithoutanAuthorisationCodeasrequiredbysection7(a),orwithoutapplyingSCAasrequiredbysection7(h)becausewirelesscoverageisnotavailableorotherwise(e.g.youstore

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TransactiondatainaCardReaderorotherWirelessTerminal,providetheCardholderwithgoodsand/orservicesandsubsequentlyrequestAuthorisationoftheTransaction),youdosoentirelyatyourownrisk.

(h) Goods.

InconsiderationoftheFeesElavonshallprovidetheGoodssetoutintheApplicationtotheCustomeronthetermssetoutinSchedule6.

7. AUTHORISATION AND SCA

(a) Authorised Floor Limit.UnlessotherwiseagreedbyElavoninwriting,theAuthorisedFloorLimitforSalesTransactionsshallbezero.YoumustnotsplitthevalueofsalesmadetoaCardholderatanyonetimeovermorethanoneTransactiontoavoidobtainingAuthorisation.

(b) Authorisation Code Required. You must obtain an Authorisation Code before completing any SalesTransactionwhetherelectronicallythroughuseofaTerminalorverballybytelephoningforanAuthorisationCodeinaccordancewiththeOperatingGuide.

(c) Effect of Authorisation Code.AnAuthorisationCodedoesnot:

(i) guaranteeCustomerpaymentforaSalesTransaction;

(ii) guaranteethataSalesTransactionwillnotbedisputedlaterbytheCardholderorIssuerasanySalesTransactionissubjecttoChargeback;

(iii) protectCustomerintheeventofaChargebackregardingunauthorisedSalesTransactionsordisputesinvolvingthequalityofgoodsand/orservices;

(iv) preventusfromrecoveringaChargebackorotheramountwithrespecttoaSalesTransactionwherepermittedunderthetermsofthisAgreement;

(evenineachcase,where“Code10”proceduresasprovidedinsection7(h),havebeencarriedout).

(d) Cancellation of Authorisation.IfyouortheCardholderdecidenottoproceedimmediatelywithaSalesTransaction,youmustcancelthecorrespondingAuthorisationRequest.

(e) No Authorisation. IfyoudonotmakeanAuthorisationRequestwhererequiredunderthissection,or ifAuthorisationisrefused,youmustnotcompletetheSalesTransaction.WheretheoriginalAuthorisationisrefused,youmustnotresubmitaSalesTransactionforAuthorisation.Shouldyoudoso,andyourelyonanysubsequentAuthorisation,youwillbeliable(andwillindemnifyus)inrespectofanyChargeback,FeesandAdjustmentsorotherlossesinrelationtosuchSalesTransaction.

(f) Zero value Authorisations. AuthorisationRequests in order to validate aCard (usually for an amountbetween€0.01and€1.00)arenotpermitted.YoumustprocesssuchrequestsasanAccountStatusInquiryshouldyouwishtovalidateaCardwithnosubsequentsettlement,inaccordancewiththeCardSchemeRules.

(g) Cardholder authority.YoumustobtainauthorityforeachTransactiontobedebitedtotheCardholder’saccount.Suchauthorityshallbedeemedgiven(unlesstheCardisreportedlost,stolenorcompromised):

(i) foraTransactionthatisCardPresentonlywhen:(aa)withrespecttoPINTransactions,theCardholderentersthePINcorrectlyintotheTerminal,andpromptlyeffectsasuccessfulPINverification,or(bb)youprocuretheCardholdersignatureontheTransactionReceiptproducedbytheTerminal.ThesignedTransaction Receipt or printed Transaction record (following successful PIN verification) producedbytheTerminalwhichshallconstitutetheTransactionReceipt,will ineachcasebeevidenceoftheCardholder’sauthorisationtodebittheamountoftheTransactionfromtheCardholder’saccount.

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(ii) for MO Transactions, by obtaining the signed written authority of the Cardholder and for TOTransactions,byretainingdocumentaryevidenceoftheCardholder’sauthoritytodebithis/heraccountfortheTransactionamount.

(iii) forInternetTransactions,byobtainingtheCVV2/CVC2numberfromtheCard.

(h) Application of SCA.SCAappliestoallSalesTransactions,subjecttosection7(k)andsection7(l)below.UnlessotherwiseagreedbyElavoninwriting,youmust:

(i) electronicallyrequesttheapplicationofSCAbeforecompletinganySalesTransaction,throughtheuseofaTerminalorthroughtheServiceandSoftware(inthecaseofInternetTransactions);

(ii) enableandcooperateintheapplicationofSCAtoallSalesTransactions;

(iii) followany instructionswithregardtoSCAreceivedfromanIssuerorElavon, including instructionsprovidedelectronicallythroughaTerminalorthroughtheServiceandSoftware(inthecaseofInternetTransactions).IfanIssuerandElavongiveyouincompatibleinstructionsregardingtheapplicationofSCAtoaSalesTransaction,youmustgiveprioritytotheinstructionsoftheIssuer.

(i) SCA Decisions.Youmustnot:

(i) applySCAonyourowninitiativeifanIssuerorElavonhavenotinstructedyoutodoso;

(ii) split the valueof salesmade to aCardholder at anyone timeovermore thanoneTransactionorotherwisemisrepresentthecircumstancesofaparticularTransactiontoavoidapplyingSCA.

(j) No SCA.Ifyoudonotrequest,enableorcooperateintheapplicationofSCAwhererequiredunderthissection,orifSCAisunsuccessful,youmustnotcompletetheSalesTransaction.Shouldyoudoso,youwillbeliable(andwillindemnifyus)inrespectofanyChargeback,FeesandAdjustmentsorotherlossesinrelationtosuchSalesTransaction.

(k) SCA Exemptions.AnIssuerorElavonmaydecidenottoapplySCAtocertainSalesTransactionstotheextentallowedbyLawsorCardSchemeRules,suchasinthecaseofthefollowingSalesTransactions:

(i) contactlessSalesTransactionsandInternetTransactionsbelowthresholdsspecifiedinSCARTS;

(ii) SalesTransactionsatunattendedTerminalsforpurposesspecifiedinSCARTS.

InsuchcaseyouwillbenotifiedelectronicallythroughaTerminalorthroughtheServiceandSoftware(inthecaseofInternetTransactions).

(l) SCA RTS Scope. SCAdoesnot apply toSales Transactions that are outside the scopeofSCARTS,including:

(i) MO/TOTransactions;

(ii) SalesTransactionsinitiatedbyyou.

(m) Personalised Security Credentials.ACardholder’sPersonalisedSecurityCredentials are confidential.YoumaynotatanypointduringpaymentrequestorrequireaCardholdertodisclosehis/herPersonalisedSecurityCredentials,captureormodifyPersonalisedSecurityCredentials,captureormodifyAuthenticationcodesgeneratedwiththeuseofPersonalisedSecurityCredentials,orobscureormodifyanyinformationcommunicatedthroughaTerminalorthroughtheServiceandSoftwarebyanIssuerorElavontoaCardholderinconnectionwith theuseofPersonalisedSecurityCredentials.During theTransactionprocess, ifuseofPersonalisedSecurityCredentialsrequiresaTerminal,youmustprovideareasonablysecureareaforCardholderstousetheirPersonalisedSecurityCredentialsthroughaTerminal.

(n) Effect of SCA.TheapplicationofSCAdoesnot:

(i) guaranteeCustomerpaymentforaSalesTransaction;

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(ii) guaranteethataSalesTransactionwillnotbedisputedlaterbytheCardholderorIssuerasanySalesTransactionissubjecttoChargeback;

(iii) protectCustomerintheeventofaChargebackregardingunauthorisedSalesTransactionsordisputesinvolvingthequalityofgoodsand/orservices;

(iv) preventusfromrecoveringaChargebackorotheramountwithrespecttoaSalesTransactionwherepermittedunderthetermsofthisAgreement;

(evenineachcase,where“Code10”proceduresasprovidedinsection7(o)havebeencarriedout).

(o) “Code 10”.Youmustcarryouta“Code10”procedure(asapplicable)inaccordancewiththeOperatingGuide.

(p) Card Recovery. You will use reasonablemeans to recover any Card in circumstances set out in theOperatingGuide(i)ifyouareadvisedbyElavonorinstructedtodosobyaTerminal,aCompatibleDevice,theIssuer,oravoiceauthorisationcentretoretainit;(ii)ifyouhavereasonablegroundstobelievetheCardislost,stolen,counterfeit,fraudulent,orotherwiseinvalid,oritsuseisnotauthorisedbytheCardholder;(iii)withrespecttoVisabrandedandMastercard®brandedCards,ifthefourdigitsprintedbelowtheembossedaccountnumberdonotmatchthefirstfourdigitsoftheembossedaccountnumber;or(iv)withrespecttoMastercard®brandedCardsonly,theCarddoesnothavethe“TwinGlobes”hologramonthelowerright-handcorneroftheCardface.

(q) No agency.Youmustnotsuggestthatyouareactingonourbehalfatanytime,unlessyouareholdingbackorrecoveringaCardatourrequest.

(r) Disputes with Cardholders.AnydisputebetweenyouandaCardholderrelatingtoaTransactionwillbesettledbetweenyouandtheCardholder.Elavonshallbearnoresponsibilityforsuchdisputes.

8. TRANSACTIONS

(a) Transactions that are Card Present and Card Not Present. Youmust use aTransactionReceipt todocumenteachTransaction.ATransactionReceiptmaybegeneratedeitherelectronicallyormanuallyandmustincludethefollowingdetails:

(i) Cardaccountnumber(andexceptwheretheonlywaytorecordaCardaccountnumberisinhandwritingorbymakingan imprintorcopyof theCard),suchnumberbeingtruncatedsothatallbut the lastfour(4)digitsoftheCardaccountnumberonaTransactionReceiptaredistinguishedorsuppressed.Truncateddigitsshouldbereplacedwithafillcharactersuchas“x,”“*,”or“#,”andnotwithblankspacesornumericcharacters);

(ii) Customernameandlocation;

(iii) Transactionamount(includingapplicabletaxes)indicatedintheTransactioncurrencysuchasEURor€;

(iv) Transactiondate;

(v) AuthorisationCode;

(vi) Transactiontype(e.g.purchase,credit);

(vii) forCardPresentTransactionsthatarenotPINTransactionsonly,spacefortheCardholder’ssignature;

(viii)forCardPresentTransactionsonly,indicationofwhoshallreceiveeachcopyoftheTransactionReceipt(e.g.,MerchantCopy,ElavonCopy,CardholderCopy).TheCardholdercopyofaTransactionReceiptmust inparticular,bear thewording“retain thiscopy forstatementverification”orsimilarwording,whichmustasaminimum,appearinthelanguageoftheTransactioncountry;

(ix) forCardPresentTransactionsonly,thetermsandconditionsofthesale,ifrestricted;

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(x) forCardPresentTransactionsonly,Merchantcityandcountry;

(xi) in relation to thepurchaseofgamblingservicesonlyand inaddition to theabove requirementsatsection8(a)(i-x),thefollowing:

(aa)Terminalnumber;

(bb)dateofplay;and

(cc)netamountofwinningsorlosses.

(xii) inrelationtoMO/TOTransactionsonlyandinadditiontotheaboverequirementsatsection8(a)(i)-(x),insofarasapplicable,thefollowing:

(aa)Cardholderaddress

(xii)inrelationtoInternetTransactionsonlyandinadditiontotheaboverequirementsatsection8(a)(i)-(x),insofarasapplicable,thefollowing:

(aa)Customer’surladdress

(b) Warranties for Transactions. WhenpresentinganyTransactiontoElavon,youwarrantandrepresentthat:

(i) the Transaction is represented by a Transaction Receipt conformingwith the requirements of theAgreementandtheCardSchemeRules;

(ii) theTransactionwasenteredintoinaccordancewiththeLawsandtheCardSchemeRules;

(iii) allstatementsoffactcontainedintheTransactionReceiptaretrue,accurateandcomplete;

(iv) theuseoftheCardbytheCardholderhasbeenauthorisedandauthenticatedbytheCardholder,includingwhereapplicablebymeansofSCA,inamannerappropriatetothatCard,asprescribedfromtimetotime;

(v) exceptinrelationto,sections8(k),8(l),or8(m)below,nootherTransactionReceipthasbeenorwillbeissuedinrespectofthesamegoodsand/orservices;

(vi) theTransactionisbonafide;

(vii) youhaveprovided(orwillprovide,inaccordancewithsection8(f)(ii)or8(n))thegoodsand/orservicestotheCardholderpursuanttotheSalesTransaction;

(viii)youhavenotbrokenanyobligationsyoumayhavetotheCardholder.IfyouhavebrokenanyofyourobligationstotheCardholder,youwillhavealsobreachedthisAgreement;and

(ix) exceptwherepermittedinwritingbyElavonandsubjecttotheCardSchemeRulesandtheLaws,noTransactioninvolvestheuseofaCardforanypurposeotherthanthepurchase,Refundorreturnofgoodsand/orservicesfromyou.NoTransactioninvolvesaCardholderobtainingcashfromyouunlessallowedbytheAgreementandtheCardSchemeRules.

(c) Invalid Transaction Receipts.ATransactionReceiptshallbeinvalidifitisnotissuedinaccordancewiththeAgreement,LawsandCardSchemeRules,including:

(i) therelatedTransactionisforanyreasonillegalorincomplete,or,hastheresultofmakingaRefundorcreditwithrespecttogamingorgamblingwinnings,unspentgamingorgamblingchips,oranyothervalueuseableforgamingorgambling;

(ii) whererequired,thesignatureonitisincompatiblewiththatontheCard;

(iii) thecopyofitthatispresentedtoElavonisincompatiblewiththecopyprovidedtotheCardholder;

(iv) theCardhasexpiredorhasnotyetbecomevalidatthetimeoftheTransaction;

(v) anothersuchreceipthasbeenissuedforthesamegoodsand/orserviceswhicharethesubjectoftheTransaction;(exceptinrelationtosections8(k),8(l),or8(m)below).

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(d) Delivery of Transaction Receipts.ForaTransactionthatisCardPresent,youwilldeliveracompleteandlegiblecopyoftheTransactionReceipt(ineitherelectronic(e.g.e-mail,textmessage(SMS)orfax)orpaper(e.g.,handwrittenorTerminal-generated)format)totheCardholderatthetimeoftheTransaction.ForaTransactionthatisCardNotPresent,thisshallbedonepromptlybutinanyevent,nolaterthanseven(7)daysfollowingcompletionoftheTransaction.

(e) Retention of Transaction Receipts. You will retain in an accessible place and produce on demandthe “CustomerCopy”of theTransactionReceipt for at least thirteen (13)months following thedateofcompletionoftheTransactionorfollowingthedeliveryofthegoodsorservices(whicheverthelonger),orsuchlongerperiodastheCardSchemeRulesortheLawsmayrequire.Withoutprejudicetosection18(b),allsuchreceipts(regardlessofelectronicorpaperformat)mustatalltimesbekeptinasecuremannerinaccordancewiththePCIDSS.

(f) Presentment of Transactions to Elavon. UnlessotherwiseagreedwithElavoninwriting:

(i) youshall, subject tosections8(f)(ii) and26(d)(ii),presentallTransactions toElavonwithin three (3)BusinessDaysofthedateofsuchTransaction,andinallevents,withinthirty(30)BusinessDaysfromsuchdateforaMastercard®Transactionandtwenty-one(21)BusinessDaysfromsuchdateforaVisaTransaction;

(ii) MO/TO and Internet Transactionsmust not be presented until the relevant goods ordered by theCardholderhavebeendispatchedorarrangementsmadeforservicestobeprovided.Notwithstandingthe foregoing: (aa) VisaMO/TO and Internet Transactions for goodsmay be presented before thedispatchofthegoodsorperformanceoftheservices,providedthatwithinseven(7)daysofpresentmentawrittenacknowledgementquotingthedispatchdateissentbyyoutotheCardholder,suchdispatchdatenottobelaterthantwenty-eight(28)daysfromthedateofreceiptoftheorder,(bb)Mastercard®

CardMO/TOandInternetTransactions,mustnotbepresenteduntilafterthegoodsaredispatchedortheservicesareperformedunless,atthetimeoftheSalesTransaction,theCardholderagreestoaproperlydiscloseddelayeddeliveryofthegoodsorservices.

(g) Mail Order and Telephone Order (MO/TO) Transactions.

(i) YoumaynotacceptMO/TOTransactionswithoutElavon’spriorwrittenconsent todoso.For theavoidanceofdoubt,consentwillbedeemedtohavebeengivenbyElavonwhereyouhaveincludedyouranticipatedMO/TOTransactionswithinyourApplicationandthatApplicationhasbeenacceptedbyElavon.

(ii) IfElavonprovidestheconsentsetoutinsection8(g)(i),foreachMO/TOTransaction,youmustretaininanaccessibleplaceandproduceondemanddocumentaryproofofdispatchofgoodsorsupplyofservicesrendered,fornotlessthantwo(2)yearsfromtheTransactiondate.

(iii) If you do acceptMO/TO Transactions without the consent set out in section 8(g)(i), then withoutprejudicetoElavon’sotherrightsandremediesundertheAgreementoratLaw,youmayhavetopayasurchargeoneachsuchMO/TOTransaction.

(h) Internet Transactions.

(i) Youmay not accept or present to Elavon Internet Transactions and/or InternetDCCTransactionswithoutElavon’spriorwrittenconsenttodoso.Fortheavoidanceofdoubt,consentwillbedeemedtohavebeengivenbyElavonwhereyouhaveincludedyouranticipatedInternetTransactionswithinyourApplicationandthatApplicationhasbeenacceptedbyElavon.

(ii) IfElavonprovidestheconsentsetoutinsection8(h)(i),youmustcomplywiththeprovisionssetoutinSchedule1inrespectofInternetTransactions.

(i) DCC Transactions.YoumaynotacceptDCCTransactionswithoutElavon’spriorwrittenconsenttodoso.Fortheavoidanceofdoubt,consentwillbedeemedtohavebeengivenbyElavonwhereyourSchedule

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ofFeessetsoutourfeesinrelationtoDCCTransactions.IfElavonprovidestheaboveconsent,youmustcomplywiththeprovisionssetoutinSchedule2inrespectofDCCTransactions.

(j) Electronic Gift Cards.YoumaynotacceptEGCswithoutElavon’spriorwrittenconsenttodoso.Fortheavoidanceofdoubt,consentwillbedeemedtohavebeengivenbyElavonwhereyourScheduleofFeessetsoutour fees in relation toEGCs. IfElavonprovides theaboveconsent,youmustcomplywith theprovisionssetoutinSchedule3inrespectofEGCs.

(k) Recurring Sales Transactions.YoumaynotacceptRecurringSalesTransactionswithoutElavon’spriorwrittenconsenttodoso.Fortheavoidanceofdoubt,consentwillbedeemedtohavebeengivenbyElavonwhereyouhaveconfirmedthatyouacceptRecurringSalesTransactionswithinyourApplicationandthatApplicationhasbeenacceptedbyElavon.IfElavonprovideswrittenconsentyoumust:

(i) obtainaRecurringSalesTransactionAuthorityfromtheCardholder;

(ii) obtainAuthorisationatthefirstdebit;

(iii) notify theCardholder (aa) that his RecurringSales TransactionAuthority is subject to cancellationbytheCardholderatanytimeand(bb)ofanychangetotheSalesTransactiondetailssetoutintheRecurringSalesTransactionAuthorityatleastfourteen(14)dayspriortothesubsequentdebit;

(iv) not complete any Recurring Sales Transaction after receiving: (aa) a cancellation notice from theCardholder;(bb)anoticefromElavonthatauthoritytoacceptRecurringSalesTransactionshasbeenrevoked;or(cc)aresponsethattheCardisnottobehonoured;

(v) retaintheRecurringSalesTransactionAuthorityforaperiodof18monthsafterthefinalpaymentthatismadepursuanttoit,andproducetheRecurringSalesTransactionAuthoritytousondemand;

(vi) complywithanyapplicableCardSchemeRulesrequiringregistrationofRecurringSalesTransactionsorotherapplicableTransactionsecurityrequirements;and

(vii) acknowledgeandacceptthataCardholderhastherighttorevokeaRecurringSalesTransactionatanytimeuptotheendoftheBusinessDayprecedingthedayagreedfordebitingfunds.

(l) Multiple Transaction Receipts. Youwill accept payment for goods and/or services in a single SalesTransaction Receipt unless: (aa) partial payment is entered on the Sales Transaction Receipt and thebalanceoftheSalesTransactionamountispaidincashorbychequeatthetimeoftheSalesTransaction;or(bb)aSalesTransactionReceiptrepresentsanadvancedepositforaSalesTransactioncompletedinaccordancewiththeAgreementandtheCardSchemeRules.

(m) Deposits.YoumaynotacceptanyCardpaymentrepresentingadepositorpartialpaymentforgoodsand/orservicestobedeliveredinthefuturewithoutElavon’spriorwrittenconsenttodoso.Fortheavoidanceofdoubt,consentwillbedeemedtohavebeengivenbyElavonwhereyouhavecompletedthe‘deposits’sectionwithinyourApplicationandthatApplicationhasbeenacceptedbyElavon.IfElavonprovideswrittenconsent,youmustexecuteoneSalesTransactionReceiptwhenacceptingthedepositSalesTransactionandasecondSalesTransactionReceiptuponacceptingthebalanceof theSalesTransaction.Youwillnotethewords“deposit”or“balance”ontheapplicableSalesTransactionReceipt.YouwillnotpresenttheSalesTransactionslabelledorotherwiseattributabletothe“balance”untilthegoodshavebeendeliveredtoCardholderorservicesfullyperformed.

(n) Future Delivery.YoumaynotpresentanySalesTransactionstoElavon(whetherbyelectronicmeansorotherwise)thatrelatetothesaleofgoodsand/orservicesforfuturedeliveryunlessyouhaveobtainedthepriorwrittenconsentofElavontodoso.Fortheavoidanceofdoubt,consentwillbedeemedtohavebeengivenbyElavonwhereyouhavecompletedthe‘upfrontpayments’sectionwithinyourApplicationandthatApplicationhasbeenacceptedbyElavon.IfElavonprovideswrittenconsent,youmustmaintainsufficientworkingcapitaltoprovideforthedeliveryofgoodsand/orservicesattheagreedfuturedate;suchworkingcapitalshallbeindependentofanycreditorproceedsresultingfromfuturedeliverySalesTransactions.

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(o) Purchase with Cashback.YoumaynotprovidePurchasewithCashbackwithoutthepriorwrittenconsentofElavontodoso.Fortheavoidanceofdoubt,consentwillbedeemedtohavebeengivenbyElavonwhereyouhavecompletedthe‘cashback’sectionwithinyourApplicationandthatApplicationhasbeenacceptedbyElavon.IfElavonprovidessuchconsent,youmustcomplywiththeprovisionssetoutinSchedule4inrespectofPurchasewithCashback.

(p) Other Transactions.YoumustobtainElavon’spriorwrittenconsentforotherTransactiontypesincluding,pre- Authorisations (assured reservations); foreign exchange (Bureau de Change) Transactions; andcontactlessCardTransactions.

(q) Prohibited Transactions. You will not present to Elavon, directly or indirectly, any Transaction notoriginatingfromaTransactiondirectlybetweenyouandaCardholder,oranyTransactionyouknoworshouldknowtobeillegal,fraudulentornotauthorisedbytheCardholder.YouwillnotpresentanyTransaction(i)representingtherefinancingortransferofanexistingobligationofaCardholder,or(ii)thatarisesfromthedishonourofaCardholder’spersonalcheque.Inallevents,youmustgivereasonableassistancetoElavoninthepreventionanddetectionoffinancialcrimeatyourlocations.

(r) Multi-Currency Conversion.

(i) IfyousubmitTransactionsforwhichyouhaveofferedtotheCardholderthegoodsand/orservicesinacurrency(Transaction Currency)thatdiffersfromyourchosensettlementcurrency(Settlement Currency) (Multi-Currency Conversion),then,inadditiontotheotherprocessingfeespayableforaTransaction,ElavonshallapplyaconversionratecalculateddailybyElavonforeachMulti-CurrencyConversion.TheconversionratewillbeshownintheReportingTool.

(ii) Fortheavoidanceofdoubt,iftheTransactionCurrencyandSettlementCurrencyarethesame,noMulti-CurrencyConversionshallberequiredandnoconversionrateshallbeappliedtosuchTransaction.

9. REFUNDS

(a) YoumustmaintainandproperlydisclosetotheCardholder,atthetimeoftheSalesTransactionandinaccordancewiththeCardSchemeRulesandtheLaws,afairpolicyforthereturnofgoodsorcancellationofservices,includinganylimitationyouhaveonacceptingreturnedgoodsorthecancellationofservices.AlthoughthegivingofaRefundremainsatyourdiscretionsubjecttotheLaws,youmustofferRefundsineachlocationwhereyouacceptSalesTransactions.

(b) InordertoevidenceaRefund,youwillissueaRefundReceipt,givingacopytotheCardholder.

(c) InnoeventwillyoupresentaRefundthatexceedstheamountoftheoriginalSalesTransaction.YouwillonlymakeaRefundtothesameCardorthesameCardholder’saccountwhichwasusedfortheoriginalSalesTransaction.YoumustnotmakeaRefundwithcashwheretheoriginalSalesTransactionwasmadeusingaCard,unlessrequiredbytheLaws,noracceptcashorothercompensationformakingaRefundtoaCard.

(d) TheamountofeachRefundrepresentsadebtimmediatelydueandpayablebyyoutousirrespectiveofwhetherwemakedemanduponyouforthevalueofanyRefund.ElavonmaydebitYourBankAccountforthetotalamountofeachRefundsubmittedtoElavon(lessitsMerchantServiceCharges).IfthevalueofRefundsismorethanthevalueofSalesTransactions,thedifferencewillbeduefromyoutoElavonandwewilldebitthedifferencefromYourBankAccount.

(e) Unlessotherwiseagreed,innoeventwillElavonbeobligedtoprocessreturns,refunds,oradjustmentsrelatedtotransactionsnotoriginallyacquiredbyElavon.

(f) Elavonmay,initssolediscretion,refusetoacceptanyRefund.IfwedorefusetoacceptaRefund,wewillnotifyyou(unlessprohibitedbytheLaws)oftherefusaland,ifpossible,thereasonsforsucharefusal.

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10. REPORTING TOOL

WhereyouelectinyourApplicationtohaveaccesstotheReportingToolandElavonagreestoyourregistereduser (“Authorised User”) having such access, you are bound by andmust comply with and procure yourAuthorisedUser(s)areboundbyandcomplywiththetermsdisplayedviatheReportingTool.

11. RETRIEVAL REQUESTS

YouagreetoprovideallreasonableassistancetoresolveanydisputesarisingfromyourreceiptofMerchantServices.YoumustrespondtoaRetrievalRequestwithalegiblecopyoftheSalesTransactionReceiptwithinthetime-framespecifiedontheRetrievalRequest.FailuretodosomeansyouwillautomaticallyberesponsibleforanyChargebackrelatingtotheSalesTransaction,andsuchChargebackscannotbereversed.YouacknowledgethatresponsetoaRetrievalRequestdoesnotguaranteethataChargebackwillalwaysbereversed.

12. CHARGEBACKS

(a) YoushallbefullyliabletoElavonfortheamountofanyandallTransactionsreturnedtoElavonforwhateverreason including, Chargebacks (together with any Chargeback Costs) or other disputes regarding thevalidityofaTransaction,evenwhere(aa)alltherequirementsofTransactionssetoutintheseTOShavebeencompliedwith,and/or(bb)youareundernolegal liability inrespectofthesupplyofthegoodsorservicesconcerned.

(b) WhereaChargebackisraised(aa)ifwehavenotyetpaidyouforthatSalesTransaction,wewillnotberequiredtodoso;or(bb)ifwehavealreadypaidyouforthatSalesTransaction,youmustpaythevalueofthatSalesTransactionbacktous.ThisisalsothecasewhereyousenddetailsaboutatransactiontouswhicharenotaSalesTransactionbutwhichhavebeenacquiredbyusasaSalesTransaction.

(c) TheamountofeachChargebackrepresentsadebtimmediatelydueandpayablebyyoutousirrespectiveofwhetherwemakedemanduponyouforthevalueofanyChargebacks.

(d) We shall notify you, to the extent permitted by the Laws, as soon as reasonably practicable of anyChargebackswhichhaveoccurredorbeenincurred.

(e) Wheresection12(b)applies,wewillbeundernoobligationtodealwiththeCardholderourselvesortotrytoobtainpaymentfromthemortheIssuer.

(f) IfyouwishtodisputeaChargeback,youmustprovetoourreasonablesatisfaction(orthatoftherelevantIssuerorCardScheme)thattheSalesTransactionwasauthorisedbytheCardholder(assetoutinsection7(g)), includingtheapplicationofSCAwhererelevant,andprovideuswithanyadditionalevidencethatwe(ortherelevantIssuerorCardScheme)require.WeshallnotbeobligedtoinvestigateorchallengethevalidityofaChargeback.

(g) AChargebackcanoccurforanyreasonsetoutintheCardSchemeRules.

(g) AChargebackcanoccurforanyreasonsetoutintheCardSchemeRules.

(h) YouacknowledgeandagreethatweshallcontinuetobeentitledtorecoverChargebacksfromyou(andwhererelevantfromanyPersonwhohasprovideduswithaGuaranteeorsecurityrelatingtoyourobligationsunderthisAgreement)inrelationtoallChargebacksthatoccurinrelationtoSalesTransactionsacquiredduringthetermofthisAgreement,notwithstandingtheterminationofthisAgreementforwhateverreason.

(i) YouwillnotresubmitorreprocessanySalesTransactionthathasbeenthesubjectofaChargeback.

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13. EXCESSIVE CHARGEBACK AND EXCESSIVE FRAUD MERCHANTS

(a) Withoutprejudicetosection26(c),intheeventthatwearenotifiedthatyouareanExcessiveChargebackMerchantoranExcessiveFraudMerchant,weshalltakesuchactionaswemaydeemnecessaryincluding:

(i) making a request (with which you will comply) for further information from you in respect of theChargebacksorincidentsoffraudinquestion,includingthereasonsforthemandthemeasuresyouaretakingtoreducethem;

(ii) issuingyouwithinstructions(withwhichyouwillcomply)onhowtoreducethelevelofyourChargebacksorfraudincidents;

(iii) immediate suspension of your right to acceptCards or retention of funds in accordancewith theprovisionsofsection14.

(b) YouacceptliabilityforanyCardSchemeFinesasaresultofyoubeingdeemedanExcessiveChargebackMerchantoranExcessiveFraudMerchantasnotifiedbyElavontoyou.

14. DELAYED PAYMENTS AND RESERVES

(a) Inthecircumstancessetoutbelowinsection14(b),andinadditiontoourrightsundersection12,wemay:

(i) delayanypaymentthatwewouldotherwisebeobligatedtopayyoupursuanttotheAgreement;and/or

(ii) requireyoutopayfundstous,inanamountdeterminedbyus,toholdasareserveagainstaliabilityyoumayincur;and/or

(iii) debitYourBankAccountinanyamount;and/or

(iv) otherwiseretainanyamountsweowetoyou.

(b) Therightssetoutatsection14(a)above,maybeexercisedbyuswhere:

(i) webecomeawareorreasonablybelievethatyouareinbreachoforarelikelytobeinbreachofyourobligationsundertheAgreement;

(ii) anythinghappenstoyou,oranythingcomestotheattentionofElavoninrelationtoyou,whichcouldreasonablybeexpectedtoresultinanadversechangeordeteriorationinCustomer’sfinancialposition,inparticular,includingbutnotlimitedto(i)youbecomingthesubjectonanInsolvencyEvent,or(ii)wherewereasonablybelieveyoumaybethesubjectofanInsolvencyEvent,or(iii)youfailtonotifyusofanInsolvencyEvent;

(iii) theCustomer’sbusinessmodelchanges,exposingElavon toasignificantlyhigherfinancial risk (e.g.offeringservicesthatdifferfromtheCustomer’soriginalbusinessmodel)butexcludingbusinessmodelstowhichElavonhasconsentedtoinwriting;

(iv) youfailtomaintainyourDirectDebitMandate;

(v) youfailtoprovidetheinformationwerequestpursuanttosection20(g);

(vi) youfailtoprovideanySecurityDocumenttoElavonfollowingnotificationpursuanttosection16and/oranySecurityDocumentisterminatedorwithdrawn(withoutourpriorconsent),oranytermofsuchSecurityDocumentisbreachedbyyouorbythePersonprovidingsuchsecurity;

(vii) onepartyterminatesthisAgreement;

(viii)webecomeawareof,orreasonablysuspectfraud,orothercriminalactivity,onyourpartoronthepartofoneofyouremployees,agentsorsub-contractors;

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(ix) webecomeawareof,or reasonablysuspect, thatyouareanExcessiveChargebackMerchantoranExcessiveFraudMerchant;

(x) youbreachanyacquiringlimitinrespectofTransactionsimposedbyElavoninaccordancewithsection4(f);

(xi) anysanctionisimposeduponand/orannouncedtoElavonbyaCardSchemeinrelationtotheactionsoromissionsoftheCustomer;or

(xii) thevalueofRefundsismorethanthevalueofSalesTransactions.

(c) Elavonmay,withoutnoticetoyou,applyanyfundsretainedinaccordancewithsection14(a)againstanyObligations.Also,Elavonmayutiliseanyfundsretainedinaccordancewithsection14(a)inordertoexerciseitsrightsundertheAgreement,including(i)withdrawinganyamountsthatitmightotherwisewithdrawfromYourBankAccountor(ii)exercisingitsrightsofset-offtocollectanyMerchantServiceCharges,Chargebacks,allotherFeesandAdjustments,orotheramountsduetoElavonundertheAgreement.

(d) Elavon’srightssetoutatsection14(a)aboveshallcontinueuntil:

(i) wearesatisfiedthatyouwillnotorcannothaveanyObligationsor,ifyoudo,youwillpayuspromptly(whichmayormaynotbeafterterminationoftheAgreement),followingwhichwewillpaytherelevantamounttoyou;or

(ii) theAgreementhasbeenterminatedandyouhavefulfilledallyourObligations(suchtimebeing“Complete Performance”,whichinnoeventshallbedeemedtohaveoccurredearlierthanthreehundredandninety(390)daysfollowingtheeffectivedateofterminationoftheAgreementorthreehundredandninety(390)daysfollowingthedeliverydateofgoodsorperformanceofservicessubjectofaTransaction).AtthetimeofCompletePerformance,anyamountsthenretainedinaccordancewithsection14(a)willbetransferredtoyou,subjecttotheAgreement,theLaws,andtheCardSchemeRules.

15. SET-OFF

(a) You irrevocablyauthoriseElavon toset-offbywhatevermeansanyoutstanding liabilities (including theObligations)owedbyyou(inwholeorinpart)toElavonfromtimetotime,withoutnoticeandbothbeforeandafterdemand(whethersuchliabilitiesarepresent,future,actual,contingentorpotential)from:(i)anypaymentsduepursuanttosection4(d)and/oramountswewouldotherwisebeobligedtopaytoyouunderthisAgreement;or(ii)fundsheldbyElavonpursuanttoanyotheragreementbetweenyouandElavon.Weshallinformyou,assoonasreasonablypracticable,uponexercisingourrightsunderthissection15(a).

(b) InanInsolvencyEvent,youmustmaintainYourBankAccountasrequiredbyElavonandweshallhavetheright,subjecttotheLaws,tooffsetagainstamountsheldinYourBankAccount,anyandallObligationsyoumayhave toElavonwhetherornot relating toTransactions initiatedorcreatedbeforeorafter thecommencementoftheInsolvencyEvent.

(c) Elavonshall alsobeentitled toexercise its rightsof set-offasdescribed insections15(a)and15(b) inrelationtoanyofyourAffiliatesasifreferencetoyouinsection15(a)andsection15(b)wasareferencetosuchAffiliateofyours.

(d) AnyexercisebyElavonofitsrightsunderthissection15shallbewithoutprejudiceandinadditiontoanyotherrightsandremediesavailabletoitundertheAgreementorotherwise.

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16. SECURITY

(a) Wemay,atanytime,requirethatyouprovideus,orthatyouprocurethataPerson(s)reasonablysatisfactorytousprovidesus,withsecurityinsuchformandoversuchassetsaswerequiretosecuretheperformanceofyourObligationsundertheAgreement(including,enteringintoand/orprocuringtheenteringintoofaSecurityDocumentinfavourofElavon).

(b) Youwill,intheeventthatwerequireyoutoprovideuswithsecurityassetoutatsection16(a),complywiththatrequirementandexecutesuchdocumentsasarenecessarytograntsuchsecurity,inbothcaseswithinthetimescalethatwespecify.

(c) NointerestispayableinrelationtoanysecurityarrangementsenteredintopursuanttothisAgreement.Allcosts(includinglegalcosts)andexpensesincurredbyyouincomplyingwiththissection16shallbeforyouraccountonly.

17. DATA PROTECTION

The provision of Merchant Services

(a) Youshall,inrelationtotheprovisionofMerchantServices,complywithallapplicableDataProtectionRulesastheyapplytoyouinyourroleasdatacontroller.Theterms“processing”,“controller”and“processor”shallhavethemeaningascribedtothembytheDataProtectionRules.

(b) Youarethecontroller,andElavonistheprocessor,inrelationtoprocessingofTransaction-relatedpersonaldatainconnectionwiththeprovisionofMerchantServices.ThedataprocessingactivitiescarriedoutbyElavonareasfollows:

(c) WhenElavonprocessessuchpersonaldataforanypurposeotherthaninconnectionwiththeprovisionof Merchant Services (including, without limitation, carrying out fraud prevention checks, anti-moneylaunderingchecksanduseofaggregateddataforanalysispurposes),Elavonshallbeacontrollerinrespectofsuchprocessing.

(d) WhereElavonisactingasaprocessoronyourbehalfElavonshall:

(i) subjecttoyourcompliancewithsection17(e),onlyactoninstructionsfromyouregardingtheprocessingofpersonaldata,includingaspermittedunderthisAgreementandforthepurposesofprovidingtheMerchantServicesandtocomplywithlegalrequirementsinconnectionwiththeprovisionofMerchantServices;

(ii) complywithElavon’ssecuritypoliciesandanyothersecurityproceduresagreedbetweenthepartiesfromtimetotimewhichareintendedtoensurethatappropriatetechnicalandorganisationalmeasuresshallbetakenagainstunauthorisedorunlawfulprocessingofthepersonaldataandagainstaccidentallossordestructionof,ordamageto,thepersonaldatahavingregardtothestateofthetechnological

Subjectmatterandduration ofprocessing:

PersonaldataisprocessedforthepurposeofprovidingMerchantServicesunderthisAgreementduringthetermofthisAgreement.

Natureandpurposeof theprocessing:

Obtaining,recording,storingandtransmittingpersonaldataforthepurposeofenablingTransactions.

Typesofpersonaldata:CardholderdatathatisnecessarytoprocesstransactionsinthecourseofprovidingtheMerchantServices.

Categoriesofdatasubject: Customerswhopurchasegoodsorservices.

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developmentandthecostofimplementingthemeasures,soastoensurealevelofsecurityappropriatetotheharmthatmayresultfrombreachofsuchmeasuresandthenatureofthepersonaldatatobeprotected;

(iii) maintain all applicablePCIDSS requirements to theextentElavonpossessesorotherwise stores,processesortransmitscardholderdataonyourbehalf;

(iv) beresponsible for thereliabilityofanyofElavon’semployeesorsub-contractorswhohaveaccesstothepersonaldataprovidedbyyouandshallensurethatsuchemployeesandsub-contractorsaresubjecttoobligationsofconfidentialityinrelationtothepersonaldataprocessedinconnectionwiththeprovisionoftheMerchantServices;

(v) promptlynotifyyouofanyrequestsmadebyanydatasubjectsundertheDataProtectionRulesorenforcementagenciesinrelationtotheprocessingofpersonaldatasothatyoumaydealwithanysuchrequest;

(vi) taking into account the nature of the processing undertakenbyElavon, assist you, in so far as isreasonablyandlegallypossible,inrespondingtorequestsfromdatasubjectsexercisingtheirrightsundertheDataProtectionRules;and

(vii) takingintoaccountthenatureoftheprocessingundertakenbyElavonandtheinformationavailabletoElavon,assistyou,insofarasisreasonablyandlegallypossible,withnotificationofdatabreachestoregulatorsandindividuals,withtheconductofdataprotectionimpactassessmentsandwithpriorconsultationwithdataprotectionregulators,ineachcasetotheextentthatsuchassistanceislegallyrequiredundertheDataProtectionRules.

(e) YouwarrantandundertakethatanyinstructionsgivenbyyoutoElavoninrespectofthepersonaldatawhereElavonisactingasadataprocessorshallatall timesbe inaccordancewiththeDataProtectionRulesandthatcompliancewithsuchinstructionsandtheprocessingofthepersonaldataaspermittedbythisAgreementshallnotresultinabreachoftheDataProtectionRulesbyyouorElavon.

(f) YouagreethatElavonmayappointElavon’sAffiliatesassub-processorsandthatbothElavonandElavon’sAffiliatesmayappointthirdpartysub-processorsinconnectionwiththeprovisionoftheMerchantServices,providedineachcasethatequivalentobligationstothosecontainedinclause17areincludedinawrittencontractwithallsub-processors.

(g) YouacknowledgeandagreethatElavonmaytransferpersonaldatatocountriesoutsideof Ireland, theEuropeanUnionand/ortheEuropeanEconomicAreaincludingtheUnitedStatesofAmericainconnectionwiththeprovisionoftheMerchantServicesprovidedthatproperprecautionstosafeguardthesecurityandconfidentialityofsuchdataaretaken.

(h) Uponrequestandsubjecttosection19(Confidentiality),Elavonshallmakeavailabletoyou informationregardingElavon’scompliancewiththissection17.Notmorethanonceinany12monthperiodyoumayrequestanaudittocheckElavon’scompliancewiththissection17.YoushallberesponsibleforpayingthecostsoftheauditatElavon’sstandardrates.Thescopeandtimingoftheauditshallbeagreedinadvanceandanyinformationaccessedasaresultoftheauditshallbesubjecttotheobligationssetoutinsection19(Confidentiality).

(i) UponterminationofthisagreementtotheextentthatElavonholdsanypersonaldataonyourbehalfasaprocessoryouagreethatElavonshalldeletesuchpersonaldataunlessElavonisrequiredtoretainthepersonaldatatocomplywithapplicablelawsorisotherwiseauthorisedbylawtoretainthepersonaldata.

(j) Sections17(b)to(i)aboveonlyapplywhereElavonisactingasprocessoronyourbehalfanddonotapplywhereElavonisactingascontrollerofpersonaldata.

(k) Inhandling (i.e.storing,processingor transmitting)sensitivepaymentdata,youwill implementsecuritymeasuresinyourITinfrastructureasfollows:

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(i) Indesigning,developingandmaintaininginternetpaymentservices,youwillpayspecialattentiontotheadequatesegregationofdutiesininformationtechnology(IT)environments(e.g.thedevelopment,testandproductionenvironments)andtheproperimplementationofthe“leastprivilege”principleasthebasisforsoundidentityandaccessmanagement.

(ii) You will have appropriate security solutions in place to protect networks, websites, servers andcommunication linksagainstabuseorattacks.Youwill stripserversofall superfluous functions inordertoprotect(harden)themandeliminateorreducevulnerabilitiesofapplicationsatrisk.Accessbythevariousapplicationstothedataandresourcesrequiredshallbekepttoastrictminimumfollowingthe“leastprivilege”principle. Inorder to restrict theuseof“fake”websites, transactionalwebsitesofferinginternetpaymentservicesshallbeidentifiedbyextendedvalidationcertificatesdrawnupinyournameorbyothersimilarvalidationmethods.

(iii) Youwillhaveappropriateprocesses inplacetomonitor, trackandrestrictaccessto: (aa)sensitivepaymentdata,and(bb)logicalandphysicalcriticalresources,suchasnetworks,systems,databases,securitymodules,etc.Youwillcreate,storeandanalyseappropriatelogsandaudittrails.

(iv) Indesigning,developingandmaintaininginternetpaymentservicesyouwillensurethatdataminimisationisanessentialcomponentof thecore functionality: thegathering, routing,processing,storingand/orarchiving,andvisualisationofsensitivepaymentdataiskeptattheabsoluteminimumlevel.

(v) Securitymeasures for internet payment services will be tested under the supervision of your riskmanagementfunctiontoensuretheirrobustnessandeffectiveness.Allchangesaresubjecttoaformalchangemanagementprocessensuringthatchangesareproperlyplanned,tested,documentedandauthorised.Onthebasisofthechangesmadeandthesecuritythreatsobserved,testsarerepeatedregularlyandincludescenariosofrelevantandknownpotentialattacks.

(vi) Your security measures for internet payment services will be periodically audited to ensure theirrobustnessandeffectiveness.The implementationandfunctioningof internetpaymentserviceswillalsobeaudited.The frequencyand focusofsuchauditsshould take intoconsideration,andbe inproportionto,thesecurityrisksinvolved.Trustedandindependent(internalorexternal)expertscarryouttheaudits.Theyarenot involvedinanywayinthedevelopment, implementationoroperationalmanagementoftheinternetpaymentservicesprovided.

(vii) Wheneveryououtsourcefunctionsrelatedtothesecurityofinternetpaymentservices,theprovisionsofSCARTSrelatingtoSCAandanyrelevantguidelinespublishedbytheEuropeanBankingAuthorityandotherCompetentAuthoritiesshallbecompliedwith.

(l) Elavonshallimmediatelyinformyouif,initsopinion,aninstructiongivenorrequestmadepursuanttothisclause17infringesDataProtectionRules.

18. PROTECTION OF CARDHOLDER INFORMATION

Withoutlimitingsection17:

(a) Youshallnot,withoutthepriorwrittenconsentofaCardholder,sell,purchase,provide,disclose,remit,shareorexchangeCardinformation,including,detailsofaCardholder,orinformationand/ordataregardingthemortheirTransactions,orregardingtheCardSchemesortheCardSchemeRules,howsoeverobtainedandwhatsoevertheform(includingCCTVfootage),toanythirdparty(otherthantoCustomer’sThirdPartyVendorsforthesolepurposeofassistingyouinyourbusinessand/orperformingyourobligationsundertheAgreement,andonlythenuponthewrittenagreementofsuchThirdPartyVendorstoholdsuchinformationconfidentiallyandtootherwisecomplywiththeLawsandtheCardSchemeRuleswithrespecttosuchinformation). Account and Transaction information belongs to Elavon, and,where applicable, theCard

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Schemes,and,withoutlimitingtheforegoing,youagreetouseAccountandTransactionInformationonlyforthesolepurposeofacquiringTransactionsandcomplyingwiththeAgreement,theCardSchemeRules,andtheLaws.

(b) Youshallstore,handleanddisposeallCardholderaccountinformation(includingAccountandTransactionInformationandotherpersonaldata, includingCardnumbers),whether inpaperorelectronicform, inasecuremannertopreventaccessby,ordisclosureto,orusebyanyoneotherthanCustomer’sauthorisedpersonneland incompliancewiththeDataProtectionRules, theLawsor theCardSchemeRules.YoushallatalltimescomplywiththeDataProtectionRules,andensurethatanyThirdPartyVendorsthatyouusesimilarlycomplywiththeDataProtectionRules.YoushallensurethatallThirdPartyVendorscomplywithallyourobligationsundertheseTOSandyoushallremainliableforallactionsandomissionsofThirdPartyVendorsasiftheywereyourown.PriortodisposingofanyCardholderaccountinformation,youshalldestroyitinsuchamannerastorenderitunreadable.YourobligationspertainingtothesecurityofAccountandTransactionInformationshallsurvivetheterminationoftheAgreement.

(c) YoumaynotatanytimeretainorstoremagneticstripeorotherCardholderdata, includingCVV/CVV2/CVC2/ iCVV/ PVV data after Authorisation for any purposes including record keeping, and additionalAuthorisationprocessing. IfyoustoreCardholderaccountnumbers,expirationdates,orotherpersonalCardholderdatainadatabase,youmustfollowtheLaws,theCardSchemeRules,andtheprovisionsoftheAgreementonsecuringsuchdataincluding,inaccordancewiththeDataSecurityStandards.

19. CONFIDENTIALITY

(a) Elavon’s Confidential Information.YoushallkeepinstrictconfidenceallConfidentialInformation.

(b) YoumaydisclosesuchConfidentialInformation:

(i) toyouremployees,officers, representatives,advisers,agentsorsubcontractorswhoneedtoknowsuchinformationforthepurposesofcarryingoutyourobligationsundertheAgreement;and

(ii) asmayberequiredbylaw,courtorderoranygovernmentalorregulatoryauthority.

(c) You shall ensure that your employees, officers, representatives, advisers, agents or subcontractors towhomyoudiscloseConfidentialInformationcomplywiththissection19.

(d) YoushallnotuseanyConfidentialInformationforanypurposeotherthantoperformyourobligationsundertheAgreement.

(e) Customer’s Confidential Information and Transaction Data.Withoutprejudicetosections17and18,ElavonanditsAffiliatesmay,aspermittedbytheCardSchemeRulesandtheLaws,disclosetotheCardSchemes(i)confidentialinformationfurnishedbyyou;and(ii)anyinformationfurnishedbyyouthatwouldenabletheCardSchemestodetermineanindividual’sidentity,includingaCardaccountnumber.Elavonmaywhererelevant,alsodiscloseyourTransactiondatatothirdpartiesthroughwhichyouwereintroducedtoElavonforthepurposeofcalculationandpaymentofapplicablecommissionandotherfeestosuchthirdpartiesandforthepurposeoffacilitatingtheirservicestoyou.ElavonmayalsomakesuchdisclosuresofdataassetoutintheseTOS,theApplication,and(inthecaseofpersonaldata)inanyotherdataprivacynoticeswhichwemayprovidetoyoufromtimetotime.

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20. REPRESENTATIONS, WARRANTIES AND COVENANTS

Yourepresent,warrantandcovenanttoElavonthroughouttheTermoftheAgreement,thefollowing:

(a) Information. All informationprovided toElavon in theApplication (and any other document submittedinconnectionwiththesame)orotherwisein,orinconnectionwith,theAgreementistrue,accurateandcompleteasof thedateoriginallygiven,properlyreflectsthebusiness,financialconditionandprincipalpartners,owners,orofficersoftheCustomerandthatallchangestosuchinformationhavebeenproperlynotifiedtoElavoninaccordancewithsection20(i).

(b) Powers.Customerand thepersonsigning theAgreementhave thepower toexecuteandperform theAgreement.ThePersonexecutingtheAgreementisdulyauthorisedtobindCustomertoallprovisionsoftheAgreement,andsuchPersonisauthorisedtoexecuteanydocumentandtotakeanyactionforandonbehalfofCustomer.Further,theCustomer’ssigningand/orperformingoftheAgreementwillnotviolateanyLaworRule,orconflictwithanyotheragreementtowhichtheCustomerissubject.

(c) No litigation.Thereisnoaction,suit,proceedingorregulatoryinvestigationpendingor,toyourknowledge,threatenedwhich,ifdecidedadverselywould(i)impairyourabilitytocarryonyourbusinesssubstantiallyasconductedat the timeyousubmitted theApplication, (ii) adverselyaffect yourfinancialconditionoroperationsor(iii)otherwiseaffectyourabilitytoperformyourobligationsundertheAgreement.YouhaveneverbeenplacedontheVMAS™orMATCH™systems,or,ifyouhave,youhavealreadydisclosedthatfacttoElavoninwriting.

(d) Business use.Theparties furtheragree that theyhavemutually reliedupon the representationsof theotherthatthisAgreementisenteredintoforcommercial,orbusinesspurposesandnotforpersonal,familyorhouseholdpurposes,thatneitherpartyisaconsumer,andthateachpartyisengagedintheircommontrade.YouareobtainingandusingMerchantServicesforlegitimatebusinesspurposesonlyandtofacilitatelawful business Transactions between yourself and your customers. Your business and themanner inwhichyouconductitcomplywithallLaws.Further,YourBankAccountintowhichdebitsandcreditsaremadeisbeingusedforlawfulbusinesspurposesonly.

(e) Data security.AsofthedateonwhichtheAgreementwasenteredinto,nosecuritybreach(includingaDataBreach) inrespectofdataofanynatureprocessedbyyouoronyourbehalfhasoccurredbefore,andremainsunresolved.Intheeventthatyoubreachthisrepresentationandwarranty,wemaysuspendtheMerchantServicesand/ortakeanystepsaswe(ortheCardSchemes)deemnecessarytoremedythebreach.

(f) Nature of Transactions.WithoutthepriorwrittenconsentofElavon,youwillnotsubmitTransactionsforacquiringforanybusinesses,products,ormethodsofsellingotherthanthosesetoutintheApplicationatthetimeyouapplyforMerchantServices.

(g) Provision of Information.PriortoMerchantServicesbeingmadeavailableandatanytimethroughouttheTerm,youshallsupplysuchinformationasmayberequired,eitherforcreditassessmentpurposes,includingbutnotlimitedto(i)auditedfinancialstatementspreparedbyanindependentcharteredaccountantandanyotherinformationregardingyourfinancialconditionasreasonablyrequestedbyElavonfromtimetotime;and(ii)afinancialstatementofprofitandlossandabalancesheetforthefiscalyear;ortoallowElavontocomplywithanyobligationsplacedonitbytheLawsfromtimetotime,includinginformationtoidentifyyouforanti-moneylaunderingandterrorismpurposes.Tohelppreventthefundingofterrorismandmoneylaunderingactivities,theLawsrequireustoobtain,verify,andrecordinformationthatidentifieseachPersonwhoopensanaccount.

(h) Insolvency Event.YouwillimmediatelynotifyElavonofanyInsolvencyEvent.

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(i) Accuracy of Information.YouwillpromptlynotifyElavoninwritingofanychangestoinformationprovidedbyoraboutyouoryourbusinesssetoutintheAgreement(includinganyinformationthatmaymaketherepresentationscontainedinthissection20untrueorincompleteinanyrespect),includingachangeto:

(i) your locations, including any additional locations or new business at which you desire to receiveMerchantServicesorotherwiseacceptorprocessTransactions;

(ii) yourname;

(iii) theidentityofyourprincipalsand/orowners;

(iv) yourassetstructure(i.e.thesaleofalloramaterialpartofyourbusiness)ortheformofyourbusinessorganisation(e.g.soleproprietorship,partnership,limitedcompanyetc.);

(v) yourusualtrading,includingifyoustop,orplantostop,trading;or

(vi) thenatureofyourbusiness,includingthetypeofgoodsand/orservicesprovidedbyyou,yourtradingtermsand/orhowsalesarecompleted(e.gbytelephone,mail,internet,orinpersonatyourplaceofbusiness);

suchnoticetobereceivedbyElavonatleastten(10)BusinessDayspriortotheproposedchange.YouwillprovideanyadditionalinformationrequestedbyElavon(including,productinformation,copiesoftradingterms,supplierinvoices)withinareasonabletime.

(j) Audit.InordertoascertainwhetherornotyouarecomplyingwiththeAgreement,youauthoriseElavonatanytime(includingpriortoprovidingMerchantServices)toperformanon-siteauditofthosefacetsofyourbusiness,which inourdeterminationarerelevanttoMerchantServices,andwithsuchreasonablepriornoticeasispermittedbytheCardSchemeRules.Aspartofsuchanaudit,youshall:

(i) giveusorourdulyauthorisedagentsaccesstoalloranyofyourbusinesslocationsorpremisesinorder to examine your records, facilities, systems, equipment, data, stock and those of any otherbusinesswhichweconsiderisormaybeconnectedtoyou;and

(ii) permitustoobtainandretaincopiesofalloranysuchrecords;

(iii) provideuswithanyreasonableassistancethatwerequestinconnectionwithsuchaudit;and

(iv) obtainandsubmitacopyofanauditreportfromathirdpartycertifiedbytheCardSchemesofthefinancial,physical,informationsecurity(andoperationalfacetsofyourbusiness)atyourexpense,whenreasonablyrequestedbyElavon.

(k) YoushallfurtherprocureauthorityfromanyThirdPartyVendorforElavontoperformasimilarauditofsuchThirdPartyVendor.Further,youacknowledgeandagreethattheCardSchemeshavetherighttoaudityourbusinesstoconfirmcompliancewiththeCardSchemeRules.

(l) Insurance.(i)Youagreethatitisyourresponsibilitytoeffectpublicliabilityinsuranceonyourownbehalf,and youwill verify the existenceof suchpublic liability insurance toElavonon requestbymeansof acertificateofinsurance.(ii)Youwillhaveprofessionalliabilityinsuranceinplace,whichshallincludecoverageonanindemnitybasisforliabilitytoElavonfornegligentactsandomissionsandfraudonthepartofyouremployeesandinrespectofthosemattersforwhichtheindemnitysetoutinsection21(h)isgiven.Youfurtheragreethatyouwillarrangeforyourunderwritersand/orinsurerstorenouncetheirrightsofrecourse(ifany)againstElavonandtoverifytheexistenceofsuchprofessionalliabilityinsurancetousonrequestbymeansofacertificateofinsurance.

(m) YoushallcomprehensivelyinsureandkeepinsuredallTerminalsandPINPadsagainstallinjuryto,loss,damageordestruction.UnlesswaivedinwritingbyElavon,youshallinrelationtoTerminalsprovidedbyElavon,havetheinterestofElavonnotedonyourinsurancepolicy,tobeinamannerasrequiredbyus.Elavonmayatanytimerequireyoutoproduceacopyoftheinsurancepolicyand/orevidenceofpaymentoftheinsurancepremium,inwhicheventyoushallimmediatelymakeavailablethesame.Ifyoumakea

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claiminrespectofanyTerminalunderanyinsurancepolicy,anymoniesreceivedshallbeappliedbyyoutowardsrepairingorreplacingtheTerminals,(asappropriate)andcompensatingElavoninrespectofanylossordamagesufferedbyit,failingwhich,Elavonshallbeentitled(butnotobliged)toeffectsuchpolicyinitsownnameandtocompelpaymentbyyou.

(n) Compliance with Laws and Card Scheme Rules.Youagreetocomplywith(andprocurethatyouragentsandsubcontractorscomplywith)andassistElavonincomplyingwith:

(i) theCardSchemeRulesandwithanyinstructions,policiesandproceduresprovidedbyElavoninordertofacilitatesuchcompliance;

(ii) allLaws;

(iii) the EGCRules (where applicable) governing the issuance, use and acceptance of EGCs. YouwillexecuteanddelivertoElavonallsuchinstrumentsitmayfromtimetotimereasonablydeemnecessarytoverifyyourcompliancewiththissection.

(o) Data Security Standards. Youshall:

(i) complywiththeDataSecurityStandards.

(ii) producetoElavonevidenceofcompliancewiththeDataSecurityStandardsonElavon’srequest,saveforthosePCILevel3orLevel4CustomersthatsubscribetoaSolution(asdescribedfurtherinSchedule5).

(iii) procurethatallThirdPartyVendorsfromwhomyoureceiveValueAddedServicesorTerminalsandanyagents,sub-contractorsorthirdpartiesusedbyyou,complywiththeDataSecurityStandards,togetherwithanyadditionaldatasecuritystandardsofthePCISSC.

(iv) intheeventthatyoubecomeawareoforsuspectanysecuritybreachorcompromiseofCardholderorTransactiondataorinformationbyyouoranyThirdPartyVendorsfromwhomyoureceiveValueAddedServicesorTerminalsandanyagents,sub-contractorsorthirdpartiesusedbyyou(whetherornotyouhavecompliedwiththeDataSecurityStandards):

(aa) immediatelynotifyElavonofyourawarenessorsuspicion,identifyandresolvethecauseofthesecuritybreachorcompromise inquestion,co-operate,provideanyassistanceandacton the reasonableinstructionsofElavon (whichmay includetheprocurement,atyourcostandwithin thetimescaleswestipulate,ofanyforensicreportfromathirdpartyrecommendedbyusortheCardSchemes,andcompliancewithallrecommendationssuggestedinsuchreporttoimproveyourdatasecurity);

(bb)ensureandprocurethatwhereCardholderorTransactiondataorinformationisstoredforyoubyaThirdPartyVendororyouragent,sub-contractororanythirdpartyusedbyyou,thatsuchThirdPartyVendororagent,sub-contractoror thirdpartyalsoco-operateswithusandactsonourreasonableinstructionsassetoutinsection20(o)(iv)(aa)above;

(cc)ensureandprocurethatElavonhastherighttoreview,commentonandmakechangestoanyforensicinvestigationreportpreparedbyaforensicinvestigator(assetoutinsection20(o)(iv)(aa)above),beforeitissubmittedtotheCardSchemes;and

(dd)beresponsibleforyourownactions,omissionsorfailurestoact,thoseofyourAffiliates,officers,directors, shareholders, employeesandagents, includinganyThirdPartyVendorsor agentorsubcontractoror thirdpartywithwhomyoucontract toperformservices for you in relation tocompliancewiththissection.

(v) intheeventthatwereasonablysuspect(includingwhereweareinformedbyaCardSchemethattheysuspect)anysecuritybreachorcompromiseofCardholderorTransactiondataorinformationbyyouoranyThirdPartyVendorsfromwhomyoureceiveValueAddedServicesorTerminalsandanyagents,sub-contractorsorthirdpartiesusedbyyou(whetherornotyouhavecompliedwiththeDataSecurityStandards):

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(aa) (ifrequiredbyus)instructatyourowncostandwithinthetimescaleswestipulate,aforensicreportfromathirdpartyrecommendedbyusortheCardSchemes,andcomplywithallrecommendationssuggestedinsuchreporttoimproveyourdatasecurity);and

(bb)complywiththeprovisionsofsections20(o)(iv)(bb)and20(o)(iv)(dd)aboveasiftheyapplytothissection20(o)(v).

(p) Card Scheme Marks. The Customer shall prominently display themost current versions of the CardSchemes’names,symbols,and/orservicemarksoftheCardsacceptedbyyouatorneartheTerminals.TheCustomer’suseofsuchmarksmustcomplywiththerequirementsofeachmark’sowner.YouruseofCardSchememarksorpromotionalmaterialsprovidedbyoronbehalfofanyCardSchemewillnot(i)indicate,directlyorindirectly,thatanyCardSchemesendorsesanygoodsand/orservicesotherthantheirownandyoumaynotrefertoanyCardSchemesinstatingeligibilityforyourgoods/andorservices,or(ii)giveyouanyownershiporinterestinanysuchmarksormaterials.

(q) Proprietary Interest.YouhavenointerestwhatsoeverinanyIPRsandareonlypermittedtousetheIPRsasexpresslyauthorisedbytheseTOS.Customermaynotcopy,reproduce,distribute,orcreatederivativeworks from the IPRswithoutElavon’spriorwrittenconsent todoso.Nothing in theAgreement shall beconstruedasgrantingyouanypatentrightsorpatentlicenseinanypatentwhichElavonmayhaveormayobtaininrespecttoElavon’sservices,software,orequipment.Customerwillmakenoattempttoduplicateorotherwiseascertainthecomponents,circuitdiagrams,logicdiagrams,flowcharts,sourceandobjectcode,schematicsoroperationof,orotherwiseattempttoreverseengineer,reverseassemble,reversecompile,de-compileordissemblethewholeoranypartofanyofElavon’sservices,equipment,orsoftware.

21. INDEMNIFICATION

ExcepttotheextentasmaybeadirectresultofthegrossnegligenceorbreachbyElavonoftheAgreement,youwillbeliablefor,indemnifyandkeepindemnified,defend,andholdharmlesstheProtectedPartiesfromandagainstClaimsorLossrelatingto,orinconnectionwith,orresultingfrom,orarisingoutof,orinconsequenceof:

(a) theoperationoftheAgreement,includinginrelationto:(i)anyTransaction,Chargeback(includingChargebackCosts) and/orRepresentment acquiredorprocessedunder theAgreement; (ii) anybreachby youof theAgreementincludinganyinfringementoftheIPRs;(iii)theuseofYourBankAccountandanyfundsretainedinaccordancewithsection14(a),and(iv)theoccurrenceofanyofthecircumstancessetoutatsection26(c);

(b) yourutilisationoftheMerchantServices,includinganyClaimorLossincurred,madeagainstorpaidbyortoanythirdparties,whetherarisingdirectlyorindirectlyfromourprovisionofMerchantServicestoyou;

(c) anyactoromissionbyyougivingrisetoaclaimundertheConsumerProtectionCodeasdefinedinSchedule7ortheLaws(whetherornotsuchclaimisproven);

(d) anychangeundersection20(i),whetherornotreportedtoElavon,and/oryourfailuretoproviderequestedinformationunderthatsectioninatimelymanner;

(e) ourreportingunderVMAS™and/orMATCH™pursuanttosection17(k);

(f) anyfailuretoreturnmaterialsfollowingterminationundersection26(g);includinganyinfringementofIPRs;

(g) your(andanyAuthorisedUser’sorunauthoriseduser’s)useofanypasswordsprovidedbyElavonoranythirdpartyandaccesstotheReportingToolincluding,anyinformationobtainedthroughthis,anydamagetoyourcomputersystemorlossofdata;

(h) theuse,operationormalfunctionofaTerminal,orinrelationtoanymatterarisingoutofitspresenceonyour locationsor inconnectionwithanyworkdoneorservice to theTerminalsprovidedbyElavon, itsservants,agentsand/orsub-contractors.

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(i) resultingfromorrelatingtoanysecuritybreach,compromiseortheftofdataheldbyyouorbreachofthePCIDSSbyyouand/oranyThirdPartyVendorsfromwhomyouprocureValueAddedServicesorTerminalsorbyanyagentorsub-contractorretainedbyyouinrelationtothisAgreement.

(j) Claims or Loss suffered as a result of misuse by you of Merchant Services or any Terminal or otherequipment.

(k) anybreachofDataSecurityStandardsbyyou,yourofficers,directors,employeesand/oranyThirdPartyVendorsorbyanyagentorsub-contractorretainedbyyouinrelationtothisAgreement, includingthirdpartycostsinrelationtoaninvestigationofthesamerequestedbyElavonand/oraCardSchemeandCardSchemeFines;

(l) theactionsof,orfailuretoactby,yourofficers,directors,employees,agents,sub-contractor,ThirdPartyVendorsandthoseofanyotherPersonwho,withorwithoutyourconsentorco-operation,obtainsaccesstoinformationrelatedtoTransactions;

(m) theCardSchemeRules,anyCardSchemeFine,oranyotherfeesorpenaltiesofanynatureincluding,duetoyoubecominganExcessiveChargebackMerchantoranExcessiveFraudMerchant;or

(n) anystepstakenintheprotectionofElavon’sinterestsinconnectionwithanyaspectofElavon’srelationshipwithyou(includingthecostofanythirdpartiesnominatedbyElavonorinstructedbyElavonforthispurpose).

(o) Elavonshallbeentitledatitsdiscretiontoaccept,dispute,compromiseorotherwisedealwithanyClaimsorLossandshallbeundernoliabilityinsuchrespecttoyou.

22. EXCLUSION AND LIMITATION OF LIABILITY

(a) General limitation of liability.

Subjecttosection22(a)(ii),ElavonshallonlyhaveliabilityforanyprovendirectlossesordamagewhichyousufferorincurasadirectresultofElavon’snegligenceoranybreachbyElavonofElavon’sobligationsundertheAgreement,saveifandtotheextentthatsuchnegligenceorbreachiscausedorcontributedbyyou.

(i) Exceptasprovidedbysection22(d),theliabilityofElavonduringeachContractYear,whethertoyouoranyotherparty,howsoeverarising(whateverthebasisoftheliability,whetherarisinginrespectofanyoneeventorseriesofeventsarisingfromthesamecauseofaction,andwhetheranact,omissionorbreachofstatutorydutyofElavonoranyofitsemployees,agentsorsubcontractors),shallnotexceedintheaggregateanamountequaltotheMerchantServiceCharges(lessCardSchemeFees)duefromyouduringthetwelve(12)monthsimmediatelypriortothefirstactoromissionthatformedtheprincipalbasisofthelossorclaimbeingsought(orwherethatactoromissionarisesduringthefirsttwelve(12)monthsfollowingtheCommencementDate,anamountequivalenttotheaveragemonthlyMerchantServiceCharges(lessCardSchemeFees)duetoElavonintheperiodfromtheCommencementDateupuntilthefirstactoromission,multipliedbytwelve(12)).

(ii) InnoeventwillanyoftheProtectedPartiesbeliablefor(aa)anylossofprofits,lossofrevenue,lossofsales,lossofbusiness,lossofbargain,lossofopportunity,lossofgoodwill,lossofreputation,lossofanticipatedsavings,lossofcomputerequipment,softwareordata(including,throughtheuseortheinabilitytousetheReportingTool,unauthoriseduseoralterationofCustomer’stransmissionsordata),orlossoftimewhichmayariseinconnectionwiththeAgreementorMerchantServices,evenifsuchlosswasreasonablyforeseeableorwithinthecontemplationoftheparties(ineachinstance,whethersuchlossisdirect,indirectorconsequential);or(bb)anyindirect,incidental,specialorconsequentiallossordamagehowsoeverarising.

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(b) Limitation of Warranties.ElavonwillperformallservicesrequiredtobeperformedbyitundertheAgreementusingreasonablecareandskill.ElavonherebywarrantsthatitshallprovideyouwithallnecessarytitletouseitsTerminals,wheresupplied.Exceptasspecificallyprovidedbytheforegoing,Elavonmakesnootherwarranties,guaranteesorundertakings,expressorimplied,regardingtheperformanceofsuchservices,andnothingcontainedintheAgreementwillconstitutesuchawarrantyincluding:

(i) inrelationtotheEGCservicesprovidedtoCustomerortheEGC’scompliancewiththeLaws,theCardSchemeRulesortheEGCRules.

(ii) in relation to use of the Reporting Tool in particular but without limitation, that it will meet yourrequirements,willremainuninterrupted,timely,secureorerrorfree,willalwaysprovideaccurateandreliableadvice/information/results,thatanydefectsinrelatedsoftwarewillbecorrectednorinrelationtoanyadviceorinformation(whetherwrittenororal)obtainedbyyoufromElavon.Fortheavoidanceofdoubt,youexpresslyacknowledgeandagreethat(aa)theuseoftheReportingToolisatyoursoleandentireriskand,withtheexceptionoftheprovisionofstatutorilyrequiredstatements,itisprovidedonan“asis”and“asavailable”basis;and(bb)anyinformationobtainedbyyouthroughuseoftheReportingToolisusedatyourowndiscretionandrisk.

Allotherconditions,terms,undertakingsandwarranties,expressorimplied,whetherstatutoryorotherwise,inrespectoftheservices(includingquality,performance,suitabilityorfitnessforaparticularpurposeornon-infringement)areherebyexcludedtothefullestextentpermittedbytheLaws.

(c) Force majeure.Elavonshallnotbeliabletoyouforanyfailure,delay,breachofperformance,orlossyousufferduetocircumstancesbeyondElavon’scontrolwhichleadstotheservicesprovidedbyustoyouinconnectionwiththisAgreementbeingwhollyorpartiallyunavailableforsuchreasonsincluding,atechnicalfailure,aconnectivityfailurewithanyCardScheme,systemsupgrades,industrialdispute,communicationsorpowerfailure,oranyactofGod.Further,ElavonshallnotbeliableforanycontraventionoftheAgreementwherethecontraventionisduetoElavon’sobligationsunderanyLaws(includingthecircumstancessetoutinsection27(b)(ii)).

(d) No limitation on liability in certain instances.Notwithstandingtheforegoingprovisionsofthissection22, noprovisionof theAgreement (including any indemnity givenby you) shall have the effect of limitingorexcludingthe liabilityofaparty (i) fordeathorpersonal injuryresultingfromnegligenceor (ii) for fraudorfraudulentmisrepresentationor(iii)lossessufferedbyusinrelationtoChargebacks,ChargebackCosts,CardSchemeFinesorRefundsunderthisAgreement,or (iv) inrespectofanyliabilitywhichcannot lawfullybeexcludedorlimited.

(e) If twoormorePersonsareshown in theApplicationas theCustomer,eachofyoushallbe jointlyandseverallyliablewiththeother(s)toperformyourobligationsunderthisAgreement.

(f) Should youwish tomake a claim against Elavon pursuant to the Agreement, youmust informElavon(providingdetailsoftheclaimandoftheallegedloss)immediatelyuponidentifyingsuchclaim,andinanyeventwithinsix(6)monthsafteryoubecomeaware(orshouldhavereasonablybecomeaware)oftheactoromissionwhichformsthebasisofyourclaim.

23. PCI WAIVER PLAN

SubjecttothetermsofSchedule5,youshallbeentitledtoreceivethebenefitofthewaiverssetoutunderthePCIWaiverPlanifyou:

(a) MeettheeligibilitycriteriaspecifiedinSchedule5(includingthatyouareclassifiedaseitheraPCILevel3or4Customerandmantainsuchclassification);and

(b) SubscribetooneoftheSolutions(asfurtherdescribedinSchedule5)

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24. THIRD PARTIES

(a) Products or Services.YoushallnotutiliseanyValueAddedServicesofanyThirdPartyVendorwithoutthepriorwrittenconsentofElavon.Whereconsentisprovided,youshall:

(i) procurethatsuchValueAddedServicesandtheThirdPartyVendorarefullycompliantwithall theLawsandtheCardSchemeRules;

(ii) ensure,wheretheThirdPartyVendorprovidesCardholderdataprocessing,storingand/ortransmittingservices(directlyorindirectly)(oranycombinationofthese)toyou,thatanysuchThirdPartyVendorisregisteredwitheachoftheCardSchemesandlistedonsuchCardSchemes’website(includingtheVisaEuropeMerchantAgentsList);and

(iii) beboundbytheactsandomissionsoftheThirdPartyVendor.

(b) Appointment of Agents.Elavonmay,subjecttocompliancewiththeCardSchemeRules,appointoneormore agents or representatives in relation toMerchant Services provided under the Agreement. Allstatements,requests,decisionsandothercommunicationsconveyedtoCustomerbyanysuchagentorrepresentativeshallbetreatedasiftheyhadbeenmadebyElavon,asapplicable.

25. TERM

TheAgreementshallcomeintoforceontheCommencementDateandremainineffectforaperiodoftwelve(12)months(“Initial Term”)unlessotherwiseterminatedinaccordancewithsection26.Thereafter,theAgreementwillautomaticallycontinueuntilterminatedbyeitherpartyinaccordancewithsection26.

26. TERMINATION AND SUSPENSION

(a) Termination by Customer.TheAgreementmaybeterminatedbyyou:

(i) byprovidingElavonwithatleastone(1)month’spriornoticeoftermination.

(ii) in theeventofamaterialbreachof the termsof theAgreementbyElavon,providedyoufirstgivewritten notice to Elavon of any such allegedbreach requiring it to be remedied, and such breachremainsunremediedforaperiodofthirty(30)daysfollowingreceiptofsuchwrittennoticebyElavon.

(b) Termination by Elavon.Withoutprejudice toanyother rights and remedies setout in theseTOS, theCardSchemeRules or Laws, theAgreementmay be terminated by Elavonwithout cause at any timeincludingduringtheInitialTermandatElavon’sconveniencebygivingtwo(2)monthspriorwrittennoticetotheCustomer.IntheeventthatanyotheragreementbetweenyouandElavonisterminatedbyElavon,includingbutnotlimitedtoanagreementforthehireofTerminals,ElavonmayatitsreasonablediscretionterminatetheAgreement.

(c) Suspension by Elavon.WithoutprejudicetoanyotherrightsandremediessetoutintheseTOS,theCardSchemeRulesorLaws,theAgreementoranypartoftheobligationsofElavon(includingtheprovisionofanyaspectoftheMerchantServices)maybesuspendedbyElavonwithimmediateeffectwhere:

(i) youfailbyyoutopayanyamountduetoElavonundertheAgreement;

(ii) anInsolvencyEventoccurs,orwereasonablybelieveitmayoccuroryoufailtonotifyusofanInsolvencyEvent;

(iii) youbecomeanExcessiveChargebackMerchantoranExcessiveFraudMerchantand/oryoufailtocomplywithourrequestsorinstructions,assetoutinsection13;

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(iv) ElavonreasonablybelievesthattheSalesTransactionmaybefraudulent,suspicious,ormayinvolveanycriminalactivity;

(v) youfailtoacceptC&PCardTransactionsusingaChipandPINTerminal(andPINPadasappropriate)exceptwherethereisaChipFailure,providedyouhavefollowedtheproceduressetoutinsection6(d)(iv);

(vi) ElavondiscoversthatyouhaveprovidedfalseormisleadinginformationindocumentssubmittedtoElavon,orotherwiseinconnectionwithMerchantServices;

(vii) youbreachanyacquiringlimitinrespectofTransactionsimposedbyElavoninaccordancewithsection4(f);

(viii) youfailtoobtainourpriorwrittenconsentwhererequiredundertheAgreementincluding,pursuanttosub-sections8(g)-8(k)and8(m)-8(p);

(ix) anythinghappenstoyou;orcomestotheattentionofElavoninrelationtoyou;orarisesfromorisincidentaltoyourbusiness;ortheconductofyourbusiness(includingtheproducts/servicesofferedbyyou,tradingpractices,methodsofsellingandindividualactivities);oryouengageinanybusinesstradingpracticesor individualactivity;andElavonconsiders, in its reasonablediscretion thatsuchcircumstances:

(aa)mayaffectyourabilityorwillingnesstocomplywithalloranyofyourObligationsundertheAgreement;

(bb)maydamagethereputationorbedetrimentaltothebusinessoftheCardSchemesorElavon;

(cc) mayordogiverisetofraudoranyothercriminalactivityorbreachofLaws,orasuspicionofthesame;

(dd) mayordogiverisetoincreasedriskofliabilityorlosstoElavon;

(ee) have not been consented to by Elavon as at the date of the acceptance of the Application;

(x) ElavonisrequiredorrequestedtodosobyanyCardSchemeoranyCompetentAuthorityorbyreasonof theCardSchemeRulesoranyLawsapplicable toeitherElavonoryou,or ifaCardSchemeorotherthirdpartyceasestoprovideuswithanyservicethatwerequireinordertoprovidetheMerchantServicestoyou;

(xi) youbreachorfailtocomplywiththeDataSecurityStandards;

(xii) ForceMajeureeventoccursasdefinedinsection22(c).

(d) Elavon shall, subject to the Laws, notify you at the earliest opportunity after the deemed receipt of aTransaction,of:(i)anyrefusalofaTransaction,(ii)ifpossible,thereasonsforsuchrefusal;and(iii)whereitispossibletoprovidereasonsfortherefusalandthosereasonsrelatetofactualmatters,anystepsyoumusttakeforrectifyinganyfactualerrorsthatledtotherefusal.

(e) Elavonshallbeentitled tochargeyou for thenotificationssetoutat section26(d)where the refusal isreasonablyjustified.

(f) Unblocking of transactions. In the case of unblocking/stopping transactions you can apply to us tounblockatransactionandwewilldealwithyourrequestwithintwodays.

(g) Action upon and effect of termination.

(i) Termination by Customer within the Initial Term.Withoutprejudicetoanythingcontained in thissection26,whereyouterminatetheAgreementduringthefirst6monthsof the InitialTermonly,aterminationfeeshallbecomepayableandwillbeaddedtothefinalinvoice/statement.Theterminationfeeshallbethesumofthefollowingfeesinsofarastheyareapplicabletoyou:foreveryremainingfullmonthoftheInitialTerm,anyunpaidTerminalrentalFees(aswellastheTerminalRecoveryFee),FeesfortheSolutionand/orthePCINon-ComplianceFee.Thestructureofourterminationfeesmaychangefromtimetotime.TerminationofAgreementbyCustomershallbefreeofchargefortheCustomer,iftheAgreementhasbeeninforceformorethan6months.

(ii) Survival.UponterminationoftheAgreement,therightsandobligationsofbothpartiesshallimmediatelyceasetohaveeffect,except:

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(aa) terminationshallnotaffectaccruedrightsorobligationsundertheAgreementasatthedateoftermination, including for the avoidance of doubt, your obligations in relation to Transactionsacquiredpriortotermination;and

(bb)thoseprovisionscontained intheAgreementthatareexpressly,orbytheirsenseandcontext,intendedtosurvivecompletionorperformance,terminationorcancellationoftheAgreement,suchprovisionsshallsurviveandcontinueinfullforceandeffect.

(iii) Transactions.UponterminationoftheAgreement,youmust:

(aa)ceasetoacceptSalesTransactionsandceasetosendtousSalesTransactionReceiptsinrespectofSalesTransactionsthatoccurredaftertheterminationoftheAgreement(ifyoudonotceasetodoso,weshallbeundernoobligationtoacquireorpayyouinrespectofsuchtransactions);

(bb)inrespectofSalesTransactionsthatoccurredpriortotheterminationoftheAgreement,presentthoseSalesTransactionstouswithinthree(3)BusinessDaysofthedateofsuchSalesTransaction;and

(cc) inrespectofSalesTransactionsthatoccurredpriortotheterminationoftheAgreement,continuetopresentRefundsandsendtousRefundReceipts.TheamountofsuchRefundswillremaindueandowingfromyoutouspursuanttosection9(d)notwithstandingterminationoftheAgreement.

(iv) Accounts.FundsrelatingtoTransactionsacquiredbyuspriortotheterminationoftheAgreementmayberetainedbyElavoninaccordancewiththeprovisionsofsection14(a)untilyoufullysatisfyallyourObligations.Youmustmaintainenough funds inYourBankAccount following termination tocoveranyMerchantServiceCharges,Chargebacks, all other Fees andAdjustments, andother amountsdueundertheAgreementuntilsuchtimeasCompletePerformancehasoccurred.MerchantServiceChargesandanyotherFeesandAdjustmentspayableshallbeapportionedupuntilthetimeofeffectiveterminationoftheAgreementandanychargespaidinadvancewillbereimbursedproportionally.

(v) VMAS™ and MATCH™ Reporting.IntheeventthattheAgreementisterminatedforcausepursuanttosection26(c),yournamemaybelistedonVMAS™andMATCH™.

(vi) Card Scheme marks.UponterminationoftheAgreement: (i)yourrighttouseordisplayanyCardSchememarksshallterminateautomatically,(ii)anydisplayofsuchmarksonyourwebsiteand/oryourbusinesslocations,mustbeimmediatelyremoved,and(iii)youmustimmediatelyreturnanymaterialsdisplayinganysuchmarks.

(h) Promotional materials.Allpromotionalmaterials,advertisingdisplays,emblems,TransactionReceipts,RefundReceipts,andotherformssuppliedtoyouandnotusednorpurchased,willremainthepropertyofElavonandmustbereturnedtoElavonoratElavon’sinstruction,destroyedwithinten(10)BusinessDaysafterterminationoftheAgreement.

27. MISCELLANEOUS PROVISIONS

(a) Entire agreement. The Agreement as amended from time to time, constitutes the entire agreementand understanding between the parties, and supersedes all prior representations, understandings andagreements(whetherwrittenororal)provided,however,theAgreementshallnotsupersedeanySecurityDocumententeredintoinfavourofElavon,whichshallbedeemedtoremainanagreementseparateanddistinctfromtheAgreement.OnenteringintotheAgreement,neitherpartyreliesonanypriorrepresentation,statementorunderstanding,overandabovethoseexpresslyprovidedforintheAgreement.

(b) Governing law.

(i) TheAgreementandtheparties’non-contractualobligationsarisingthereunderwillbegovernedbyand

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construedinaccordancewiththeLawsofIreland.Thepartiessubmit,subjectasprovidedbelow,totheexclusivejurisdictionoftheIrishcourtstosettleanyclaim,disputeormatterofdifferencewhichmayariseoutoforinconnectionwiththeAgreementorlegalrelationshipsestablishedbytheAgreement.NothinginthissectionlimitsElavon’srighttobringproceedingsarisingoutoforinconnectionwiththeAgreement

(i) inanyothercourtofcompetentjurisdiction,or(ii)concurrentlyinmorethanonecourtofcompetentjurisdiction.YouwaiveanyobjectiononthebasisofvenueorforumtoanyproceedingsbroughtbyElavonpursuanttothissection.

(ii) In the provision by Elavon of products and services pursuant to this Agreement, Elavon relies onentitiesgovernedby the lawsof theUnitedStates. In that role,suchentitiesareunable toprovideanyproductsorservicestoElavon,ortoitscustomers,thatcontravenethelawsoftheUnitedStatesofAmericaincludingwithoutlimitationthelawspromulgatedbytheUnitedStatesDepartmentoftheTreasury’sOfficeofForeignAssetsControloranysuccessorthereto.

(c) Assignment, novation and sub-contracting.

(i) Youcannot assign, transfer or novate theAgreementor anyof your rightsor obligationsunder it,whetherdirectlyorbyoperationoflaw.

(ii) Youmay,subjecttoourpriorwrittenconsent,useasubcontractororagentinrespectoftheperformanceofyourobligationsundertheAgreement (suchconsentmayreasonablybewithdrawnbyusatanytime).Youwillbe responsible forensuring thatanysuchsubcontractororagentcomplieswith therelevanttermsoftheAgreement.

(iii) Youare liable for theactsoromissionsofanyagent,subcontractor,Affiliateoremployeeofyours(whetherornotwehaveprovidedconsentinaccordancewithsection27(c)(ii))inconnectionwiththeperformanceofyourobligationsundertheAgreementorinrelationtoanyTransactionorChargeback.

(iv) Elavoncanonwrittennoticeassign,novateorotherwisetransfer,eitherinwholeorinparttheAgreement.YouagreetoenterintoanydocumentsasElavonmayrequireinordertoevidencesuchassignment,novationorothertransfer.Notwithstandingtheforegoing,Elavonisentitledto:(i)assignanyandallreceivablesarisingoutoftheAgreementtoathirdpartyforfinancingorrefinancingpurposes;or(ii)totransfer(e.g.,bysub-participation)theeconomicriskofthereceivablesarisingoutoftheAgreementtoathirdparty.Incaseofsuchassignmentortransfer,Elavonmay,subjecttosection17,discloseandtransmittoanysuchthirdpartyallinformationaboutyouandtheAgreementrelevantfororrequiredbythethirdpartyinconnectionwithsuchassignmentortransfer.

(d) Taxes.AllamountsstatedintheAgreementareexclusiveofVATorothertaxes.IfVAToranyothertaxischargeableinrespectofalloranyamountspaidtoElavonundertheAgreement,youshallpaytoElavonsuchVATattherateproperlychargeable,inrespectoftherelevantsupplyofgoodsand/orservicesprovidedbyElavon.Weshall,whererequiredbytheLaws,issueaVATinvoiceandsummaryofTransactions.

(e) Interest.

(i) Youshall(withoutprejudicetoanyotherrightsandremediesofElavon),payimmediatelyondemand,interestattherateof4%overtheEURIBOR,compoundeddaily,fromtheduedateuntilthedateofactualpayment(whetherbeforeorafteranyjudgment)onanyoverduesumpursuanttotheAgreement.ThedailyrateofEURIBORispublishedbyReuters.

(ii) Elavonmayvarytheinterestratereferredtoatsection27(e)(i)withoutnoticeandwithimmediateeffect,wheresuchvariationisduetoachangeinthedailyrateofEURIBORorismorefavourabletoyou.

(f) Notices.

(i) AnywrittennoticetoCustomerundertheAgreementwillbedeemedreceivedupontheearlierof:(i)actualreceipt;or (ii)five (5)BusinessDaysafterbeingpersonallydelivered,sentbyfirstclasspost,orwithanationallyrecognisedovernightcarrier,andaddressedtothelastaddressshownontherecordsofElavon.

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(ii) Anywritten notice to Elavon shall be personally delivered, sent by registered post or a nationallyrecognisedovernightcarrierto:ElavonFinancialServicesDAC,POBox56,IDABusinessPark,Arklow,Co.Wicklow,Irelandandshallbedeemedreceivedonlyuponactualreceipt.

(iii) Anynotice to terminate inaccordancewithclause26(a)of thisAgreementmaybeservedeither inwriting(includinge-mailtoqueries@elavon.com)orupontelephoningElavonCustomerServices.

(iv) AnynoticesorotherinformationtoCustomerinrelationtotheAgreementshallbeinEnglishlanguageandcommunicatedfromtimetotimeinwriting,viatelephone,e-mail,faxand/orviainternet,includingbutnotlimitedtothroughourReportingTool.

(g) Amendments.ElavonmaymakeanychangestotheAgreementatanytimeontwo(2)months’notice.YoumayterminatetheAgreementpriortothedatethechangescomeintoeffectwithoutcharge(otherthananyliabilitiesthatyouhaveorwillhavetoElavonunderthetermsoftheAgreement).Uponexpiryofthetwo(2)months’noticeperiodyouwillbedeemedtohaveagreedtothechanges.

(h) Severability.AnyprovisionoftheAgreementfoundtobeillegalorotherwiseunenforceable,shallnotaffectanyoftheenforceabilityoftheremainingprovisionsoftheAgreement,whichwillfurtherbeconstruedasiftheillegalorunenforceableprovisionwasnotcontainedintheAgreement.

(i) Waiver.Neitherthefailure,northedelaybyElavontoexercise,inwholeorinpart,anyrightorremedyundertheAgreementorundertheLawsshalloperateasawaiver,releaseorestoppelofsuchrightorremedy,norshallitamendtheAgreement.ThesingleorpartialuseofarightorremedyundertheAgreementorundertheLawsshallneitherrestrictnorpreventthefurtherexerciseofsuchrightorremedyinthefuture.AnywaiverrequestedbyyoushallhavenolegalforceoreffectunlessspecificallyagreedtoinwritingbyElavon,initssolediscretion.

(j) Independent Contractors. The parties will be deemed independent contractors and nothing in theAgreementshallbeconstruedasconstitutinganagency,jointventure,orpartnershipbetweentheparties,unlessandtotheextentotherwisespecificallyprovided.

(k) Counterparts.TheAgreementmaybesignedinoneormorecounterparts,eachofwhichshallconstituteanoriginalandallofwhich,takentogether,shallconstituteoneandthesameAgreement.

(l) Remedies Cumulative.TherightsconferreduponElavonintheAgreementarenotintendedtobeexclusiveofeachotherorofanyotherrightsandremediesofElavonundertheAgreement,atLaworinequity.Rather,eachandeveryrightofElavonundertheAgreement,atLaworinequityiscumulativeandconcurrentandinadditiontoeveryotherright.

(m) Service.ElavonwillacceptelectronicserviceofdocumentsincludingofthisAgreementandanynoticesincludedhereinonly ifsent toElavonCustomerServicesatqueries@elavon.comandacknowledgedasreceivedbyElavon.

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Glossary

3D Secure™:meansthethree-domainsecureprotocol,including(forthepurposesoftheAgreement)Verifiedby Visa™ developed by Visa andMasterCard® SecureCode™ developed byMasterCard® and such otherprogramsnotifiedtoCustomerbyElavonfromtimetotime(andineachcaseanyamendmentsand/orversionsfromtimetotime).

Account and Transaction Information: means any information that is necessary to acquire and processTransactions correctly, including all information recorded electromechanically or otherwise on a Card, andmorespecifically includesany informationusedtoauthenticateaTransaction,andany informationobtainedduringtheacquiringofaTransactionthatotherwiseidentifiesindividualconsumersandtheirpurchasesbut,excludingconsumername,purchasedescription,purchaseamount,andothersimilardetailsifsuchinformationisspecificallyandvoluntarilyprovidedtoyoubytheCardholderindependentlyoftheTransaction.

Account Status Inquiry:meansanAuthorisationtovalidateaCardwithnosubsequentsettlementandincludesMasterCardStatusInquiryChecksandVisaAccountVerification.

Add Location form:meansaformcompletedbyCustomertonotifyElavonofCustomer’sadditionalbusinesslocationswhereitshallacceptCardspursuanttotheAgreement.

Affiliate:means, with respect to any Person, any other Person directly, or indirectly through one ormoreintermediaries,controlling,controlledbyorundercommoncontrolwithsuchPerson.

Agreement:means,collectively,theApplication,theseTOS,theScheduleofFees,theOperatingGuide,anyAddLocationform,anyagreementforsimilarorrelatedservicestowhichCustomerisaparty,andanyotherguidesormanualsthatapplytoCustomerfromtimetotime,andallamendmentstoeachandanyofthosedocumentsfromtimetotime.

Application:meansElavon’sapplicationformthatiscompletedbyCustomerandsubmittedtoElavontoapplyforMerchantServices.

ASV:meansanorganizationwith a set of security services and tools testedandapprovedbyPCISSC toconductexternalvulnerabilityscanningservicestovalidateadherencewiththeexternalscanningrequirementsofPCIDSS.

Audit:meansanindependentsecurityauditoftheCustomer’scomputersystemstoidentifythesourceoftheDataBreach.

Audit Costs:meansanysumsreasonablyrequiredtoconductanindependentsecurityauditoftheCustomer’scomputersystemstoidentifythesourceoftheDataBreach.

Authorisation: theconfirmationatthetimeofaSalesTransactionfromtherelevantCardIssuerthat(i)theCardnumberisvalid(ii)theCardusedtopayfortheSalesTransactionhasnotexpiredorforanyreasonbeenlistedaslostorstolen,blockedorashavinghaditssecuritycompromisedand(iii)therearesufficientfundsavailablefortherelevantSalesTransaction(and“Authorise”and“Authorised”shallbeconstruedaccordingly).

Authorisation Code:meansthecodeorreferencenumbersentbyanIssuerfollowinganAuthorisation.

Authorisation Request:meansarequestbytheCustomerforAuthorisation.

Authorised Floor Limit:means the totalmonetary valueof anySalesTransaction youmayacceptonanyoccasionwithoutfirstobtaininganAuthorisationCode.

Business Day:meansaday(otherthanaSaturday,Sundayorpublicholiday)whenElavonisopenforbusinessinIreland.

C&P Card:meansaCardwhichincorporatesChipandPINTechnology.

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Card:meansanyformofvalidpaymentcardorothervalidpaymenttokenordeviceusedforthepurposesofobtainingcreditordebitingofadesignatedaccountissuedbyaCardIssuerunderaCardScheme(including,aCreditCard,aDebitCard,anEGCorotherstoredvaluecard,contactlessCard),andacceptabletoElavon(asnotifiedtoyoufromtimetotime),whichmaybeusedbyaCardholdertocarryoutaTransactionofthetypesspecifiedintheApplication.

Cardholder:means(i)theindividualinwhosenameaCardhasbeenissued;and(ii)anyindividualwhopossessesandusesaCardandwhopurportstobethepersoninwhosenametheCardwasissuedorwhosesignatureappearsontheCardasanauthoriseduser,andwhoisacustomerpurchasinggoodsorservicesfromyou.

Card Not Present:meansanenvironmentwheretheCardisnotphysicallypresentedtotheCustomerbytheCardholderastheformofpayment,noristheCardholderphysicallypresent,atthetimeofsale(including,MailOrder/TelephoneOrderTransactionsandInternetTransactions).

Card Present:meansanenvironmentwheretheCardisphysicallypresentedtotheCustomerbytheCardholderastheformofpayment,andtheCardholderisphysicallypresent,atthetimeofsale.

Card Reader:meansthecardreader,includingPINPad,purchasedbytheCustomerfromElavonwhichtheCustomerwillusetoprocessanyTransactionandthatconformswiththerequirementsestablishedfromtimetotimebytheapplicableCardSchemeandbyElavon.

Card Schemes:meansVisa,Mastercard®,AmericanExpressPaymentServicesLimited,Maestro,JCBInternational(Europe)Limited,DinersClubInternationalLimited(includingDiscover-brandedCards),UnionPayInternationalCo.,LimitedoranyotherCardsponsorshiporganisationorassociationorschemeandtheirAffiliatesgoverningtheissueanduseofCardsacceptabletoElavon,andanysuccessororganisationorassociationtoanyoftheforegoing.

Card Scheme Fee:thechargesthatElavonisrequiredtopaytoanIssueroraCardSchemeincludingbutnotlimitedtoinrespectoftheprocessing,clearingandsettlementofTransactionsincluding,anychargesbasedonvolumesandnumbersofTransactions.

Card Scheme Fines:meansanyassessment,fine,liquidateddamages,fee,cost,expenseorchargeofanynaturewhichaCardSchemeoranyother thirdparty leviesonyouorusatany time,directlyor indirectly,inrelationtoanyaspectofourrelationshipwithyou(includingthecostsofanyIssuerormemberofaCardSchemeforthecostsofreplacingCards).

Card Scheme Rules:meansallapplicablebylaws,rules,regulations,operatingguidelinesandproceduresissuedbyanyCardScheme fromtime to time relating toCards,Transactions,anyotherpaymentmethodsandanypaymentsorprocessingofTransactiondatarelatingthereto,asamended,extended,consolidatedorsupplementedfromtimetotime,andanycurrentwaiversorexceptionsagreedwiththeCardSchemes.

Chargeback:meansanycircumstanceswhereanIssuerorCardSchemerefusestosettleaSalesTransactiontousorseeksreimbursementfromusofaSalesTransactionwhichhasalreadybeensettledtous,notwithstandinganyAuthorisationortheapplicationofSCA.

Chargeback Costs:meansElavon’sadministrativechargeforprocessingaChargebackandanyreasonablecosts,expenses,liabilitiesorCardSchemeFinesthatElavonmayincurasaresultoforinconnectionwithaChargeback.

Chip and PIN Compliant:means(a)theTerminalisfullyapproved,tested,installed,andoperationalinaccordancewithElavon’sminimuminstallation,testingandoperatingrequirementsmadeavailabletoyoufromtimetotime(b)theTerminalcompliesandismaintained,upgradedandusedinaccordancewith:(i)ourminimumTerminalrequirementswhicharemadeavailable to you from time to time, (ii) anyTerminalmanufacturer’smanuals,recommendations,instructions,guidanceandtrainingasissuedorprovidedtoyoufromtimetotime;(iii)therequirementsspecifiedintheEMVIntegratedCircuitCardSpecificationsforPaymentSystems(asamendedfromtimetotime)andiv)therecommendationsandguidelinesissuedbytheCardSchemesfromtimetotimeunder the chip andPINprogramme; and (c) anyone you authorise to operate theTerminal is appropriatelyexperienced,qualified,competentandproperlytrainedtouseit.

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Chip and PIN Technology:meansanytechnologyinwhateverformintroducedbyanyCardSchemewhichemployschipembeddedCardsand/or theuseofaPIN inconjunctionwith,or in replacementof,amanualsignatureofaCardholder.

Chip and PIN Terminal:meansTerminalswhichareChipandPINComplianttogetherwithPINPads,asappropriate.

Chip Failure:meansafailureoftheembeddedchipinaC&PCardtofunctioncorrectlywiththeresultthataproperlyenteredPINwillnoteffectanAuthorisationoftheSalesTransaction.

Claims or Loss:includesallandanyclaims,actions,proceedings,loss,damages,liability,penaltiesandfines(whetherornotimposedbyaCardScheme),surcharges,costs(includinginvestigation,administrationandlegalcosts)andexpensesmadeagainst,paidorincurredbyanyProtectedParty.

Commencement Date:meansthedate(asreferredtoinyourwelcomeletter)onwhichyourApplicationhasbeenacceptedbyElavon.

Commercial Card:meansanycard-basedpaymentinstrumentissuedtoundertakingsorpublicsectorentitiesor self-employednatural personswhich is limited in use forbusinessexpenseswhere thepaymentsmadewithsuchcardsarechargeddirectlytotheaccountoftheundertakingorpublicsectorentityorself-employednaturalperson.

Compatible Device: means devices that are listed in our FAQ section on www.tellmemore.elavon.com/vmmobile/andthatareBluetoothenabledandshallnotincludeJailbrokenorRootedDevices.

Competent Authority:meansanysupranational,national,state,county,localormunicipalgovernmentbody,bureau, commission, board, board of arbitration, instrumentality, authority, agency, regulatory body, court,department, minister, ministry, official or public or statutory persons (whether autonomous or not) havingjurisdiction over any party to the Agreement or any Transaction acquired pursuant to the Agreement or inrespectofanypartoftheAgreementinanyjurisdiction.

Complete Performance:hasthemeaningsetoutinsection14(d)(ii).

Confidential Information:meansall tradesecrets,proprietary,orotherconfidential informationor itemsofElavon,ofwhichtheCustomerobtainsknowledgeoforaccesstoasaresultofCustomer’srelationshipwithElavonpursuanttotheAgreementandwhetherornot inwrittenform,and including:scientific,technical,orbusinessinformation,productmakeuplists,ideas,concepts,designs,drawings,techniques,plans,calculations,systemdesigns,formulae,algorithms,programs,software(sourceandobjectcode),hardware,manuals,testproceduresandresults,identityanddescriptionofcomputerisedrecords,identityanddescriptionofsuppliers,customer lists, processes, procedures, “know-how”, marketing techniques and material, marketing anddevelopmentplans,pricelists,pricingpolicies,andallotherfinancialinformation.

Contract Year:meanseachsuccessivetwelvemonthperiodcommencingontheCommencementDate.

Coverage Area:meansthegeographicareainwhichWirelessTerminalTransactionprocessingisavailabletoCustomer.

Credit Card:meansacardwheretheamountofthetransactionsisdebitedinfullorinpartatthepreagreedspecificcalendarmonthdatetothepayer,inlinewithaprearrangedcreditfacility,withorwithoutinterest.

Currency Payment Choice:hasthemeaningsetoutinSchedule2.

Customer (or you or your):meansthebusinessentityorotherPersonindicatedontheApplicationandincluding(whenrelevant),anysubsidiaryorAffiliate.

CVV/CVV2/CVC2/iCVV/PVV:meansthesecurityfeaturesonthebackofCardsandcontainedintheirmagneticstripsand/orchipsintendedtoinhibitthealterationormisuseofCarddataandenhancetheauthenticationoftheCard,andassuchterms,andsimilartermsmaybedefinedbytheCardSchemes.

Data Breach:meansafailureofsecurityataMIDattheCustomerresultinginacompromiseofitscustomers’Carddata.

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Data Protection Rules:meanscollectivelyalldataprotection,datasecurityanddataprivacy requirementsimposedbylaw,including,theDataProtectionAct1988,theDataProtection(Amendment)Act2003orothernationallegislationimplementingorreplacingtheEUDataProtectionDirective95/46/EC,Directive97/66/ECconcerningtheprocessingofpersonaldataandtheprotectionofprivacy inthetelecommunicationssector,Directive2002/58/ECconcerningtheprocessingofpersonaldataandtheprotectionofprivacyintheelectroniccommunicationssector,andthePrivacyandElectronicCommunications(ECDirective)Regulations2003,theGeneralDataProtectionRegulationandall legislation that implementsor isenacted inconnectionwith theGeneralDataProtectionRegulationandotherdataprotectionorprivacylegislationinforcefromtimetotimeinanyrelevantjurisdictionwhichisapplicabletotheprovisionofservicesundertheAgreement,togetherwithanysimilarprovisionsoftheCardSchemeRules,includingtheDataSecurityStandardsandanyregulationandregulatoryguidanceissuedbyacompetentdataprotectionauthority.

Data Security Standards:means:

(a) PCI DSS, with further information in relation to the current requirements of the PCI DSS available at www.pcisecuritystandards.org;

(b) PaymentCard IndustryPaymentApplicationDataSecurityStandards aspublishedby thePCISSCat www.pcisecuritystandards.org;

(c) Payment Card Industry PIN Transaction Security Standards published by the PCI SSC at www.pcisecuritystandards.org;

(d) VisaPaymentSystemRiskprogramme(formerlytheAccountInformationSecurityprogramme);

(e) MasterCard®SiteDataProtectionProgram;

(f) othersecuritystandardsofPCISSC;

(g) securitystandardsofanyotherCardSchemesofCardsthatyouacceptand/orprocess;

DCC:meansthedynamiccurrencyconversionproductofElavonenablingaCardholdertopayforgoodsand/orservicesprovidedbytheCustomerinacurrencyotherthanthatinwhichtheCardwasissued,andofferedinrespectofthecurrenciesthatElavoncommunicatestotheCustomerfromtimetotime.

DCC Transaction:meansaSalesTransactionusingDCC.

Debit Card:meansacardwithamagneticstripeorwhichischip-enabled,andbearingthesymbol(s)ofoneormoredebitnetworkwhichenablestheCardholdertopayforgoodsand/orservicesbyauthorisinganelectronicdebittoadesignatedaccount,includingwhereapplicable,PIN-based,onlinedebitTransactions.

Direct Debit Mandate:hasthemeaningsetoutinsection4(c).

EEE: hasthemeaninggiventoitinSchedule6,paragraph2(a).

EGC:meansanelectronicgiftcardoraloyaltycardpurchasedbyacustomerthatisredeemableforin-storegoodsand/orservicesfromtheCustomer.

EGC Rules:meansanyandallrulesandregulationsappliedtoEGCprocessingbyElavonandotherrelevantbodies,andnotifiedtoCustomerfromtimetotime.

Elavon (or us, ours, we):meansElavonFinancialServicesDAC,alicensedcreditinstitutionincorporatedinIrelandand registeredwith theCompaniesRegistrationOffice, Ireland (RegistrationNo.418442), having itsregisteredofficeaddressatBlockE,1stFloor,CherrywoodBusinessPark,Loughlinstown,Co.Dublin,Irelandand,asthecontextmaydictate,anyAffiliateorsubsidiaryofElavoninrelationtoMerchantServices.

Excessive Chargeback Merchant:meanswhereweare informedby aCardScheme that you are, or arebecominganexcessivechargebackmerchantbyexceedingorapproachingcertainchargebacklimitsinrespectofSalesTransactions,asdictatedbytheCardSchemes.

as amended or updated from time to time, including any successor standards to those standards.

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Excessive Fraud Merchant:meanswherewereasonablyconcludethatyouare,orarebecominganexcessivefraudmerchantbyexceedingorapproachingcertainfraudlimitsinrespectofSalesTransactions,asreasonablydeterminedbyElavon.

Fees and Adjustments: means, excludingMerchant Service Charges, all other charges as set out in theScheduleofFeesandallRefunds,returns,ChargebackCosts,CardSchemeFinesand/or,surcharges,aswellasanyotheramountsdueasaresultofaChargebackandanyotherchargessetoutinthe‘AdditionalProductsandServices’sectionoftheApplication(ifapplicable).

Financial Crime Screening Services: means a third party pattern recognition fraud management serviceprovidedunderacontractwithoronbehalfofElavon.Guarantee:meansanywrittenguaranteeprovidedbyaPersonofCustomer’sObligationstoElavonthatisgiveninconnectionwiththeAgreement.

General Data Protection Regulation:meansRegulation(EU)2016/679oftheEuropeanParliamentandoftheCouncilof27April2016ontheprotectionofnaturalpersonswithregardtotheprocessingofpersonaldataandonthefreemovementofsuchdata.

Goods:meansthegoodsspecifiedintheApplication(includingCardReaders,(whereapplicable)but,fortheavoidanceofdoubt,excludinghiredterminals)bytheCustomer,inaccordancewiththisAgreement.

Guarantor:meansaPersonthatexecutesaGuarantee.

Initial Term:meanstheperiodsetoutatsection25oftheseTOS.

Insolvency Event:meanstheoccurrenceofanyofthefollowing:

(a) youareunable (ordeemed tobeunable) topayyourdebtsasdefined in theCompaniesAct2014 (asapplicable);or

(b) youarethesubjectofapetition,resolution,orderoranyotherstepinrelationtowindinguporbankruptcy;or

(c) youcease,orthreatentocease,tocarryonallorpartofyourbusiness(saveforthepurposesofagenuineamalgamation,reconstructionorreorganisation);or

(d) youenterintoeithercompulsoryorvoluntaryliquidation,oraprovisionalliquidatorisappointedinrelationtoyouoranyofyourassets;or

(e) youarethesubjectofapetitionforanexaminershiporderoranapplicationforsuchanorder,oranoticeofintentiontoappointanexaminertoyouisgiven,oranyotherstepistakenbyanypersonwithaviewtotheexaminershipofyouundertheCompaniesAct2014;or

(f) amoratoriumbeingagreedordeclaredinrespectofallorpartofyourdebts;or

(g) youenter,orpropose toenter, intoanycomposition,assignment,compromiseorarrangementofyourdebts,orwithorforthebenefitofsomeorallofyourcreditorsgenerally,orinrespectofaparticulartypeofyourdebts;or

(h) beginproceedingsornegotiations,orproposeoragreetoreschedule,readjustordeferyourdebts;or

(i) theappointmentofaliquidator,receiver,administrativereceiver,administrator,managerorothersimilarofficerinrespectofthewholeoranypartofyourassets;or

(j) enforcementofanysecurityover,oranexecution,distress,orothersimilarprocedureleviedagainstanyofyourassets;or

(k) any legalproceedings, corporateactionorotherproceduresor stepsare taken in connectionwith theappointmentofanadministrator,administrativereceiver,receiver,liquidator,manager,trusteeinbankruptcyorothersimilarofficerinrelationtoyouoranyofyourassets;or

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(l) whereyouareanorganisation,anyprincipalormemberofyourbusinessissubjecttoanyoftheeventssetoutat(b),(g),(h),or(k)above;or

(m) anyanalogousprocedureorsteptothosesetoutat(a)to(l)abovethatyouaresubjecttoinanyjurisdiction.

Intellectual Property Rights or IPRs:includescopyrightinterestsandrelatedrights(includingrightsinrespectof software and the Reporting Tool), trademark rights (including servicemarks, trade names and businessnames),designrights,databaserights(whetherornotanyoftheseisregisteredandincludinganyapplicationforregistrationofanysuchrights),know-how,confidentialinformation,tradesecrets,franchiseinterests,licenseinterests,patentrights(includingutilitymodelsandinventions),propertyrights,orotherinterestinanyservices,software,orhardwareprovidedbyElavon.

Interchange Plus Plus:meansapricingmechanismwherebythechargesexpressedasapercentagefeeorfeeperTransactionintheScheduleofFeesrepresenttheElavonProcessingFeeandinadditiontotheElavonProcessingFee,theCustomerwillpay(i)theInterchangeFees,(ii)theAssessmentFeesaswellas(iii)anyotherfeesasmaybeintroducedbytheCardSchemesfromtimetotime.

Internet DCC Transaction:meansaDCCTransactionwhere theCardholderuses the internet topurchasegoodsand/ororderservicesfromCustomer,orwhereCustomerusestheinternettosubmitaDCCTransactiontoElavonforacquiring.

Internet Transaction:meansaSalesTransactionwheretheCardholderusestheinternettopurchasegoodsand/ororderservicesfromCustomer,orwhereCustomerusestheinternettosubmitaTransactiontoElavonforacquiring.

Issuer:meansthefinancialinstitutionorotherPersonthatissuedtheCardtotheCardholder.

Jailbroken Device:meansaniOSdevicewheretheoperatingsystem’slimitationshavebeenremovedthroughtheuseofsoftwardandhardwareexploits,thusgiving‘rootaccess’totheoperatingsystemandallowingthedownloadofadditionalapplications,extensionandthemesthatareunavailablethroughtheofficialapplicationstore.

Laws:meansallapplicablelaws,legislation,rules,regulations,directives,andrecommendationsapplicabletoapartytotheAgreementortoanyTransaction,forthetimebeinginforceinanyjurisdiction,includinganythingissuedbyanyCompetentAuthority,andanyamendments,extensionsorre-enactmentstothesamefromtimetotime.

Mail Order/Telephone Order Transaction or MO/TO Transaction:means,forMO,aSalesTransactionthatoccurswhentheCardholdermakesapurchasefromaCustomerbymail,andforTO,meansaSalesTransactionthatoccurswhentheCardholderusesatelephonetomakeapurchasefromaCustomer.

Mastercard®:meansMastercardEuropesprl.

MATCH™:meansMemberAlerttoControlHighRiskCustomer,afilemaintainedbyMastercard®ofmerchantswhosecontractswithotherbankshavebeenterminatedorwheretheyhavebeengivennoticeoftermination,forcause.

Merchant Services:meanstheacceptanceofSalesTransactionReceiptsinaccordancewiththeAgreement.

Merchant Service Charges:meansourcharges(expressedasapercentagefeeorfeeperTransactionorboth)forprovidingMerchantServicestoyouassetoutintheScheduleofFeesandasamendedfromtimetotime.

MID:meanstheCustomer’suniquemerchantidentificationnumberwithElavon.

MPI:meansmerchantplug-in;softwaredevelopedbyacertifiedthirdpartyinaccordancewiththeCardSchemeRules(currentlyMPI-Version1.02)forhandlinge-paymenttransactionsina3DSecure™systeminaccordancewiththespecificationspublishedbyVisaandanyamendmentsand/orversionsfromtimetotime.

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Obligations: means all of Customer’s current and/or future and/or actual and/or contingent payment andperformanceobligationsundertheAgreement,includingpaymentforMerchantServiceChargesandliabilityforanyChargebacks,andallotherFeesandAdjustments.

Online Authentication Solution:meansanytechnicalsolution,basedonsoftware,hardwareorcombinationthereof,including3DSecure™,thatisdevelopedorrequiredbyanIssueroraCardSchemeinordertoenableandconductAuthentication,includingSCA,withregardtoInternetTransactions.

Online Authentication Solution Plugin: means any software, hardware or combination thereof, includingMPI, thatmustbe installedonCustomer’sside inorder toenable theCustomer toparticipate inanOnlineAuthenticationSolution.

Operating Guide:meanstheoperatingmanualprovidedbyElavontoCustomer,andanyamendmentsfromtimetotime.

Payment Currency:hasthemeaningsetoutinSchedule2.

PCI Service:meansthatelementoftheMerchantServiceswhichcomprisestheprovisionbyElavonand/oritscontractorofanyservicesdesignedtoassisttheCustomerinbeingPCIDSScompliant(whichmayincludeaSolution).

PCI DSS: means the Payment Card Industry Data Security Standards as published by the PCI SSC at www.pcisecuritystandards.org/andupdated from time to time (includinganysuccessorstandards to thosestandards).

PCI Level 3 or Level 4 Customer:hasthefollowingmeaning,whichshalldependontheCustomer’s(anticipated)numberofTransactions: (i) if theCustomer isPCILevel3, theCustomerprocessesbetween20,000and1millionInternetTransactionsperannum;or(ii)iftheCustomerisPCILevel4,theCustomerprocesseslessthan20,000InternetTransactionsorupto1millionMO/TOandCardPresentTransactionsperannum.

PCI SSC:meansthePaymentCard IndustrySecurityStandardsCouncil,oranysuchreplacementbodyasnotifiedtoyoubyus.

PCI Waiver Plan:meanstheplanformingpartofthePCIServiceasmoreparticularlydescribedinparagraph2ofSchedule5.

PED: meansaPINentrydevice.

Person: includesanaturalperson,corporateorunincorporatedbody (whetherornothavingseparate legalpersonality).

PIN:meansapersonalidentificationnumber.

PIN Pad:meansasecuredevicewithanalphanumerickeyboardwhichconformswiththeLawsandtheCardSchemeRules,andthroughwhichaCardholdermayenteraPIN.

PIN Transaction:meansaTransactionthatisverifiedbytheCardholderusingaPIN.

Protected Parties:meansElavon, itsAffiliates,employees,officers,directors,contractorsandagents;eachbeingaProtectedParty.

PSD 2:meansDirective(EU)2015/2366oftheEuropeanParliamentandoftheCouncilof25November2015onpaymentservicesintheinternalmarket,amendingDirectives2002/65/EC,2009/110/ECand2013/36/EUandRegulation(EU)No1093/2010,andrepealingDirective2007/64/EC.

Purchase with Cashback:meanstheprovisionofcashbytheCustomertoaCardholderatthepointofsaleinaCardPresentenvironmentonly,andwheretheCardholderhasmadeapurchaseofgoodsand/orserviceswithaCard.

Recurring Sales Transaction:meansarepetitiveperiodicSalesTransactionagreedinwritingandinadvancebetweenyouandtheCardholderforwhichyoudebittheCardholder’sCard(suchassubscriptions,paymentofinsurancepremiumsbyinstalments).

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Recurring Sales Transaction Authority:meansaCardholder’spriorwrittenauthority(inaformapprovedbyus) foryoutodebit theCardholder’sCardaccount in relation toaRecurringSalesTransaction.Thewrittenauthoritymustsetouttheamountandfrequencyoftherecurringchargeandthedurationoftimeduringwhichsuchchargesmaybemade.

Refund:meansapaymentmadebytheCustomertotheCardholderand/orIssuerforcredittotheCardholder’saccounttowhollyorpartiallyreverseaSalesTransaction.

Refund Receipt:meansthepaperorelectronicrecordevidencingaRefund.

Reporting Tool: means the online reporting system owned and operated by Elavon and provided to theCustomerinaccordancewithsection10.

Representment:meansaSalesTransactiontoreverseaChargebackbythere-executionoftheoriginalSalesTransaction,whereyouhavesuccessfullychallengedtheChargeback.

Retrieval Request:meansarequestinitiatedbyaCardholderorIssuerthatrequiresyoutoproducealegiblecopyofaCardholder’ssignedSalesTransactionReceipt(exceptinthecaseofproperlyeffectedPINTransactionsorcertainotherTransactionsthatareCardNotPresent)withinaspecifiedperiodoftime,and/orrequestforRepresentmentbyanIssuerrequiringyoutorepresenttheSalesTransactionReceiptforaSalesTransaction.

Rooted Device:meansadevicewhereauserhasperformedaprocesstogain‘rootaccess’withinAndroid’ssubsystem.

Sales Transaction:meansapaymentusingeitheraCard,CardnumberorCardaccount, forgoodsand/orservicesprovidedbytheCustomerandinrelationtowhichElavonhassuppliedtheMerchantServicestotheCustomer(includingRecurringSalesTransactionsoraseriesofconnectedSalesTransactions).

Sales Transaction Receipt:meansthepaperorelectronicrecordevidencingaSalesTransaction.

SCA:StrongCustomerAuthentication(withinthemeaningofPSD2)meansanAuthenticationbasedontheuseoftwoormoreelementscategorisedasknowledge(somethingonlytheCardholderknows),possession(somethingonlytheCardholderpossesses)andinherence(somethingtheCardholderis)thatareindependent,inthatthebreachofonedoesnotcompromisethereliabilityoftheothers,andisdesignedinsuchawayastoprotecttheconfidentialityoftheAuthenticationdata.

SCA RTS: means Commission Delegated Regulation (EU) 2018/389 of 27 November 2017 supplementingDirective (EU)2015/2366of theEuropeanParliamentandof theCouncilwith regard to regulatory technicalstandardsforstrongcustomerauthenticationandcommonandsecureopenstandardsofcommunicationand,whererelevant,theequivalentregulatorytechnicalstandardspublishedbytheCompetentAuthority.

Schedule of Fees:meansthesectionsoentitledintheApplication(asamendedfromtimetotime)listingourstandardchargesthatarepayableinadditiontotheMerchantServiceCharges.

Security Document(s):meansany formoffixedorfloatingmortgage,charge,debenture, indemnityoranyGuaranteeoranyotherformofsecurity.

Service and Software:meansanyhardware,software,Terminals,orotherdevicesorIPRsprovidedbyoronbehalfofElavontoyouinconnectionwiththeacquiringofInternetTransactions.

Settlement Funds:meansthesumequaltothevalueofallTransactionsacquiredbyElavonlessMerchantServicesCharges;Refunds;Chargebacks;andallotherchargessetoutintheScheduleofFeesaswellasanyFeesandAdjustments.

Solution:hasthemeaninggiventoitinparagraph1ofSchedule5.

Term:means theperiod fromtheCommencementDateuntil theexpiryor terminationof thisAgreement inaccordancewithitsterms.

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Terminal:meansapointofsaleterminalandallotherpointofsaledevices,hardware,associatedequipment,softwareandotherelectroniccomputerandtelecommunicationsdevicesandequipment(includinganyPED)usedbytheCustomertoprocessanyTransactionthatisCardPresentandthatconformswiththerequirementsestablished from time to time by the applicable Card Scheme and by Elavon, and includes Chip and PINTerminals,ThirdPartyTerminals,CardReadersandWirelessTerminals.

Terminal Recovery Fee:meanstheTerminalRecoveryFeeassetoutintheScheduleofFees.

Third Party Terminal:meansaTerminalsold,hired,leased,orotherwiseprovidedtooronbehalfofCustomerbyanyPersonotherthanElavonoritsauthoriseddesignee.

Third Party Vendor:meansanyPersonprovidingor facilitatingValueAddedServices toyou that isnotanAffiliateofElavonandwhich,complieswiththePCIDSS.

TOS:meansthesetermsofservicewhichrelatetotheprovisionofMerchantServicesandthesaleofanyCardReaderorotherGoodsdetailedintheApplicationbyElavontotheCustomerandanyamendmentstothesamefromtimetotime.

Transaction:meansaSalesTransactionand/oraRefund(asthecontextrequires).

Transaction Receipt:meansaSalesTransactionReceiptand/oraRefundReceipt(asthecontextrequires).

Value Added Services:meansanyproductorserviceprovidedbyaThirdPartyVendortoassistCustomerinacceptingTransactionsunder theAgreementand inconnectionwith theMerchantServicesprovidedbyElavon,including,internetpaymentgateways,Terminals,inventorymanagementandaccountingtools,loyaltyprograms, financial crime (fraud) prevention programs, and any other product or service that participates,directlyorindirectly,intheflowofTransactiondata.

Visa:meansVisaInc.

VMAS™:meansVisaMerchantAlertService,apan-Europeanenquiryserviceprovidingmerchantacquirerswithacentraldatabaseofmerchantswhosecontractshavebeenterminatedbyotherbanksorwheremerchantisonnoticeoftermination,becauseoffraudulentorquestionableactivity.

Warranty Period:hasthemeaninggiveninSchedule6,paragraph3(a).

WEEE Regulations:meanstheEuropeanCommunities(WasteElectricalandElectronicEquipment)Regulations2014.

Wireless Terminal:meansaTerminalthatallowswirelessprocessingandincludesgeneralpacketradioserviceterminal(“GPRS Terminals”).

Your Bank Account:meansanaccount,inthenameofCustomeronly,withaninstitutioninIrelandacceptabletoElavon,maintainedbytheCustomerforthepurposesoffacilitating(i)paymentfromElavonand(ii)formakingpaymentstoElavoninrespectofMerchantServiceCharges,Chargebacks,allotherFeesandAdjustments,andanyotherpaymentsduetoElavonfromtimetotime.

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SCHEDULE 1.INTERNET TRANSACTIONS

1. ENCRYPTION

YoumayprocessInternetTransactionsonlyiftheyhavebeenencryptedbyaThirdPartyVendoracceptabletoElavon.Encryption isnotaguaranteeofpaymentandshallnotwaiveanyprovisionof theAgreementorotherwisevalidateafraudulentTransaction.

2. INTERNET SECURITY

Youmust (via a Third Party Vendor) utilise, or implement yourself, an internet payments service approvedbyElavon inadvancewhichadherestominimumsecuritymeasuresandtechnologyrequirements identifiedbyElavon fromtime to time including,compliancewith thePCIDSS.For InternetTransactions,youwillberesponsible for (i)maintaining the integrityofdata received,held,maintained,orsentacross the internetorothercommunicationchannel; (ii)managing the telecommunications link;and (iii)paymentofallpowerandtelecommunicationcosts.Youwill ensure thatall Transactionsare transmitted (whereapplicable)using theprotocolapprovedbyElavon fromtime to time toprocure thesecure transmissionofdataprovidedby theCardholderinorderinggoodsand/orservicesandeffectingpaymentovertheinternet.Youwillprovidecapabilityforsecuresocketslayerencryptiontotheminimumstandardfromtimetotime(currently128bit),andmayalsoberequiredbyElavontosupportencryptionrequirementsinrespectofthetransmissionofinformationovertheinternetviaavirtualprivatenetwork(“VPN”)supporting3DES(1028bit)encryption.

3. ONLINE AUTHENTICATION SOLUTIONS

Youagreetoimplementandpromptlyupdatetothenewestavailableversions,asdesignatedbyIssuersorCardSchemes(asapplicable)fromtimetotime,theOnlineAuthenticationSolutions,includingbyparticipatinginthe3DSecure™system,andtoacquiretherighttouseoraccessOnlineAuthenticationSolutionPlugins,includingtheMPIsoftware,by:

(a) agreementwithasellerofOnlineAuthenticationSolutionPlugins,includingMPIsoftware,thatisapprovedbytheCardSchemesorIssuers(asappropriate);or

(b) having Elavon host the Online Authentication Solution Plugins, including MPI software, or such othermerchantplug-insoftwareorhardwareproductdesignatedbyElavonfromtimetotime,onyourbehalf,andontermsnotifiedtoyoubyElavon;or

(c) procuringforyourownuseacustomerplug-insoftwareorhardwareproductofequivalentfunctionalitytotheOnlineAuthenticationSolutionPlugin,includingMPIsoftware,subjecttothepriorwrittenconsentofElavon.

4. UNAUTHORISED ACCESS

WhilstElavonwilltakereasonableprecautionsinrelationtouseandaccesstotheServiceandSoftware,youherebyacceptallriskofinformationorinstructionsbeinggivenbyanunauthorisedpersonandthepossibilityofhacking,cracking,virusesandanyandallmannerofunauthorisedaccess,use,activityorpurposewhichmayoccuronorinrelationtotheServiceandSoftware.

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5. WEBSITE

Yourwebsitemust:

(a) containallofthefollowinginformation:

(i) acompletedescriptionofthegoodsand/orservicesoffered;

(ii) returnedgoodsandrefundpolicy;

(iii) customerservicecontacts,includingelectronicmailaddressand/ortelephonenumber;

(iv) theCustomernameand/orany tradingname (prominentlydisplayed)and thecompleteaddressofthepermanentestablishmentofyourbusinessoneitherthecheckoutscreen(whichdisplaysthetotalpurchaseamount)orwithinthesequenceofwebpagespresentedtotheCardholderduringthecheck-outprocess;

(v) Transactioncurrency;

(vi) exportorlegalrestrictions,ifknown;

(vii) deliverypolicy;

(viii)customerdataprivacypolicy;

(ix) yourmethodofTransactionsecurityandpolicyfortransmissionofCarddetails;and

(x) displayofCardSchemes’marks;

(b) prominentlyidentifytheCustomernameasbeingboththeCustomerandasbeingthenamethatwillappearontheCardholderstatement;and

(c) displaytheCustomernameinformationreferredtointhisparagraph5asprominentlyasanyotherinformationdepictedonyourwebsite,otherthanimagesoftheproductsorservicesbeingofferedforsale.

6. OPTION TO CANCEL PAYMENT

YourwebsitewillclearlyinformtheCardholderthathe/sheiscommittingtopaymentbeforehe/sheselectsthe“paynow”orequivalentbutton/screenandwillprovidetheCardholderanunambiguousoptiontocancelthepaymentinstructionatthispoint.

7. CARDHOLDER COMPLAINTS

ElavonmayinvestigateanycomplaintreceivedfromaCardholderaboutthecontentofyourwebsiteandshallbeentitledtorequireyoutoamendand/orclarifythetermsandconditionsofsalewithinaperiodofthirty(30)daysfromthereceiptofsuchcomplaint.

8. RECURRING TRANSACTION PAYMENTS

IfyouofferrecurringTransactionpaymentsonyourwebsiteyoumust:(aa)offeranonlinecancellationfacilitytoCardholders;and(bb)notifyCardholdersattheoutsetthatsubsequentchargeswillbedebitedfromtheirCardaccounts.

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SCHEDULE 2.DCC TRANSACTIONS

1. TheCustomermustgive toCardholders, in clear terms,disclosingall charges, thechoiceofwhether toproceedwiththeDCCTransactionintheCustomer’slocalcurrencyorthecurrencyinwhichtheCardhasbeenissued(the“Payment Currency”),subjectalwaystothechosencurrencybeingacurrencyapprovedbyElavon(ascommunicatedbyElavontotheCustomerfromtimetotime)(the“Currency Payment Choice”).

2. ForeveryDCCTransactionusingaTerminal,CustomershallensurethatitissuesadocumentinformingtheCardholderoftheCurrencyPaymentChoiceand(exceptwhereChip&PINproceduresareused)shallobtaintheCardholder’ssignatureonthisdocument.

3. For all DCC Transactions which are not Terminal DCC Transactions, the Customer shall obtain theCardholder’spriorconsenttosuchDCCTransactionswhichmustbeinaformthatclearlyevidencesthattheCardholder’sexpressandfinalconsenthasbeengiveninrelationtotheCurrencyPaymentChoice.ForInternetTransactions,thiscanbeintheformofanemailfromtheCardholderoran“Iagree”optiononCustomer’swebsitewhichcanberecordedandprovidedintheeventofadisputeorChargeback.ForMO/TOTransactions,therequirementsofsection7(g)(ii)onCardholderauthorityapplyinrespectofDCCTransactionswhicharenoteffectedwithaTerminal.

4. CustomermaynotconvertanyDCCTransactionfromthecurrencyselectedbyCardholder,intoanamountinanyothercurrencyaftertheTransactionhasbeencompletedbytheCardholder.

5. IftheCardholderelectstoproceedwiththeTransactioninthePaymentCurrency,youmustdisclosetotheCardholderallyourchargesaswellastheexchangeratetobeusedforconvertingtheTransactionfromtheCardholder’slocalcurrencyintothePaymentCurrencypriortotheTransactionbeingcompleted.

SCHEDULE 3.ELECTRONIC GIFT CARDS

1. SERVICE

ElavonwillprovideelectronicprocessingservicesofEGCTransactions(exceptwherethesearelostorstolen)andfacilitate:

(a) electronicconfirmationthattheCardholderactivatingtheEGCTransactionthroughtheCustomerhasanactiveaccountontherelevantprocessingsystemwhichiscreditedwithsufficientfundstomeetthecostoftheTransaction;and

(b) debitingoftheCardholder’saccountwiththevalueofthepurchaseandthecreditingoftheCardholder’saccountifvalueisaddedtotheEGC;

(c) maintenanceofanaccessibleelectronicrecordofanEGCTransactionforthelifetimeofanEGCwithabalanceandforaperiodofsixty(60)daysafterthebalanceoftheEGCCardhasfullydepleted.

2. CUSTOMER RESPONSIBILITIES

Youshall:

(a) maintainallTransactionReceiptsandanyotherreceiptsasrequiredbytheLaws,theEGCRulesandtheseTOS;

(b) maintainsufficientback-up informationanddatawhether inpaperorelectronic formwith respect toEGCspreviouslysold,toreconstructanylossofinformationordataduetoanymalfunctionofCustomer’ssystems.

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(c) in a timely manner when required by Elavon and/or Elavon’s approved provider(s), execute all suchagreements and do all such acts or things to enable Elavon to provide EGC processing services toCustomer,including,enteringintoadditionalagreementsforthesupplyofEGCs,forstationaryandotherrelatedmaterialsandforpromptlysettlingaccountsforsuchsupply;and

(d) onlyusematerials(includingstationaryandmarketingmaterials)toenabletheacceptanceandprocessingofEGCssuppliedbyElavonorElavon’sdesignatedprovider.

3. SYSTEM DOWNTIME

CustomershallnotprocessEGCTransactionsiftheEGCprocessingsystemisdownandisunabletoverifythevalidityofanEGCandanyavailablebalance.

SCHEDULE 4.PURCHASE WITH CASHBACK

WhenprovidingPurchasewithCashback,youshall:

(a) onlyprovidesuchfacilityinrelationtoDebitCardSalesTransactionswheretheCardholderreceivesgoodsand/orservicesinadditiontocashandonlyonTerminalsapprovedforsuchusebyElavon;

(b) transmit in thePurchasewithCashbackSales Transactionmessage, the amount of cash given to theCardholder(ifpermittedbyElavon’ssystemsand/ortherelevantCardScheme);

(c) wherearequestforAuthorisationofaPurchasewithCashbackisrefusedsolelybecausethecashrequestedexceeds theDebitCard Issuer’s limit forcashwithdrawals, informtheCardholderof the reason for therefusalandthatanewSalesTransactionintheamountofthepurchasealonemightbeapproved;

(d) not,wheretheamountofcashavailabletoaCardholderinaPurchasewithCashbackSalesTransactionislimitedbytherelevantCardSchemeorIssuer,carryoutaPurchasewithCashbackSalesTransactioninexcessofsuchlimit,asnotifiedtoyoufromtimetotime;

(e) notofferPurchasewithCashbackinrespectofSalesTransactionscarriedoutundersection6(f).

SCHEDULE 5.SOLUTIONS AND PCI WAIVER PLAN

1. DEFINITIONS AND INTERPRETATION

In thisSchedule5 the followingdefinitionsshallhavethemeaningsetoutbelow.AnycapitalizedtermsnotdefinedbelowshallhavethemeaninggiventothemintheGlossary.

(a) “Device”hasthefollowingmeaning,whichshalldependontheSolutionyouhavesubscribedto:

(i) forthepurposesoftheSecuredPro,the“Device”meansanycomputer,laptop,mobiledevice,tabletor other computing system running on an operating systemwhich is listed on theWebsite in theproductinformationsectionrelatingtothatSolution;and

(ii) forthepurposesofSecuredEncrypt,the“Device”meanseachTerminal(excludingalwaysThirdPartyTerminals)whichisSecuredEncryptenabledandprovidedunderyourAgreement.

Ineachcase,referencesto“Devices”shallbeconstruedaccordingly.

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(b) “Initial Subscription Period”means in relation to eitherSecuredPro orSecuredEncrypt, a period oftwelve(12)monthsbeginningonthedateweacceptandconfirmyourpricingforthatparticularSolutioninyourScheduleofFees.

(c) “PCI Non-Compliance Fee”hasthemeaninggiventoitinparagraph7(c)ofthisSchedule5.

(d) “Renewal Period”hasthemeaninggiventoitinparagraph5(a)ofthisSchedule5.

(e) “Secured PCI”means the product available toPCI Level 3 or Level 4Customers,which includes thefollowingservices:

• accesstoanonlinecertificationportalwithElavon’sapprovedthirdpartyproviderofPCIDSS;

• specialistassistanceinself-validationandmaintenanceofself-reportedcompliance,;

• accesstodownloadableAttestationofCompliance(forthepurposesofPCIDSS)andcertificationofcompliancedocumentation;and

• theabilitytorunrequiredquarterlyscansperformedbyASVatnoadditionalcostthroughElavon’sapproved thirdpartyproviderofPCIDSS for customerswho require such scans to completePCIcompliancevalidation

(f) “Secured Pro”meanstheproductavailabletoPCILevel3orLevel4CustomersprovidedbyusorourthirdpartyrepresentativesthroughorviatheWebsite,overthetelephone,byemail,livechatorotherwiseinconnectionwiththeWebsite,asmoreparticularlydescribedinAnnexBofthisSchedule5belowandcomprisingofthefollowingServicesand/orSoftware:

• accesstoanonlinecertificationportalwithElavon’sapprovedthirdpartyproviderofPCIDSS;

• outboundphonecallfromaPCIspecialist;

• managementofPCIcompliancevalidationoverthephone;

• accesstodownloadableAttestationofCompliance(forthepurposesofPCIDSS)andcertificationofcompliancedocumentation;

• ability to run required quarterly scans performed by an ASV scans at no additional cost throughElavon’sapprovedthirdpartyproviderofPCIDSSforcustomerswhorequiresuchscanstocompletePCIcompliancevalidation;

• remoteinstallationofrelevantsecuritytoolsaslistedinAnnexBofSchedule5;

• outboundcallwhenremediationisneededasindicatedasaresultofascanperformedbyanASV;and

• access tosecurity toolsas listed inAnnexBofSchedule5below:networkperimeterscan,devicesecurityscan,cardholderdatadiscoveryscan,antiviruslicense,POSapplicationdiscoveryscan.

(g) “Secured Encrypt”meanstheproductavailabletoPCILevel3or4CustomersandprovidedbyusorourthirdpartyrepresentativesthroughorviatheWebsite,overthetelephone,byemail,livechatorotherwiseinconnectionwiththeWebsite,andcomprisingofthefollowingServicesandSoftware:

• accesstoanonlinecertificationportalwithElavon’sapprovedthirdpartyproviderofPCIDSS;

• outboundphonecallfromaPCIspecialist;

• managementofPCIcompliancevalidationoverthephone;and

• accesstodownloadableAttestationofCompliance(forthepurposesofPCIDSS)andcertificationofcompliancedocumentation.

h) “Service”meanstheservicesdeliveredunderaparticularSolution.

(i) “Software”meanssoftwareintendedtobeinstalledonaDeviceandshallincludeanyUpdates.

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(j) “Solution”meansoneofthefollowing:(i)SecuredPCI;(ii)SecuredPro;or(iii)SecuredEncrypt(asapplicable).

(k) “Subscription Period”meanswithrespecttotherelevantSolutionsubscribedto,theInitialSubscriptionPeriodtogetherwithallRenewalPeriods.

(l) “Update”meanscontentorcodewedeploytoupdatetheSolution(inwholeorpart)includingrevisions,additions,replacements,newreleasesorversionsofSoftwareandanyavailableupdateprovidedbyusfromtimetotimeinconnectionwiththeSolution.

(m) “Website”meanshttps://elavonsecuritymanager.com.

2. PCI WAIVER PLAN

(a) INDEMNITY WAIVER

SubjecttothetermsofthisSchedule5,aPCILever3orLever4CustomerwhosubscribestoanySolutionmaybenefitfromcertainwaiversfromElavonofElavon’srightsunderthisAgreementregardingindemnificationbytheCustomerasfollows(eachofthefollowingparagraphs(2)(a)(i)–(iv)(inclusive)an“Indemnification Item”:

(i) certainfinesimposedonElavonbytheCardSchemesarisingdirectlyfromaDataBreach;

(ii) anyAuditCostsincurredbyElavonininvestigatinganyDataBreach(orwheretheCustomerisobligedbythisAgreementand/ortheCardSchemeRulestoarrangeacertifiedthirdpartytocarryoutsuchAudit;

(iii) followingaDataBreachElavonshallwaiveanyrightsithasagainsttheCustomerunderthisAgreementtorecoverthoseinvestigationcosts(iftheyfallduetobepaidbyElavon)providedalwaysthatthethirdpartyisapprovedbytheinvolvedCardSchemeforthepurposeofconductingsuchanAudit);

(iv) anyfeesElavonisobligedtopaytoIssuerstoreplaceanyCardsissuedbyVisaorMastercard,whichsuchIssuersmustcancelfollowingaDataBreach,providedalwaysthatsuchwaivershallonlybeavailableifyouuseElavon’sapprovedthirdpartyofPCIDSSassessmentservicespursuanttothisAgreement.

(b) LIMITATIONS

ThereshallbeamaximumcapontheCustomer’srighttoenjoyawaiverpursuanttothisSchedule5foreachDataBreachdependingontheCustomer’sPCIDSScompliancestatusaccordingtoElavon’srecords.Thesecapsshallbeasfollows:

(i) anyCustomerwhoiscertifiedasPCIDSScompliantbyElavon’sapprovedthirdpartyproviderofPCIDSSassessmentservicesfromtimetotimeandispayingtheapplicableFeerelatingtothatMIDfortheSolution–€70,000perDataBreach;

(ii) anyCustomerwhoiscertifiedasPCIDSScompliantthroughathirdpartywhoisnotElavon’sapprovedthirdpartyproviderofPCIDSSassessmentservicesfromtimetotimeandispayingtheapplicableFeerelatingtothatMIDfortheSolution–€35,000perDataBreach;

(iii) anyCustomerwhohasnotnotifiedElavonofitscompliancestatus(deemedbyElavontobenon-compliant)(buthaspaidtheapplicableFeerelatingtothatMIDfortheSolution)–€7,000perDataBreach.

ElavonreservestherighttoamendtheforegoingcapsfromtimetotimeonnoticetotheCustomer.

(c) ELIGIBILITY

InordertobeeligibleforthewaiverunderthePCIWaiverPlan,theCustomermust:

(i) subscribetoaSolutioninaccordancewiththisSchedule5;

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(ii) beeitheraPCILevel3orLevel4Customer;

(iii) withinseven(7)daysofitsdiscovery,adviseElavoninwritingofanyfailureofsecuritywithinitsbusinessoritscardacceptancesystemsthatgivesrisetoorcouldgiverisetoaDataBreach;

(iv) complywithPCIDSSatthetimeoftheDataBreach;

(v) retainbusinessrecords,logsandelectronicevidencerelatingtoaDataBreach;

(vi) provideauditreportsoftheCustomer’scomputersystemstoidentifythesourceoftheDataBreachorallowElavontoconductsuchanaudit;

(vii) co-operatewithElavonandthe involvedCardScheme inall investigationsrelatingtoanyDataBreach; and

(viii)havepaidallFeesdueandpayabletoElavonfortheSolution.

(d) INELIGIBILITY

(i) If theCustomer fails tocomplywith thestepssetout inparagraph2(c)of thisSchedule5, thewaiverunderthePCIWaiverPlanshallnotbeavailableandElavon(and/oranypartywithrightsofsubrogationsuchasElavon’s insurers and/or underwriters) shall reserve the right to recover from theCustomer allamountswhichitwouldotherwisebeabletoclaimunderthisAgreementincludingwithoutlimitationanyfinesassessedbytheCardSchemeagainstElavonandAuditCostsforwhichtheCustomerisliable.

(ii) InadditiontotheforegoingtheCustomershallhavenorighttoenjoyawaiverpursuanttothisSchedule5ifanyofthefollowingcircumstancesarise:

• theDataBreacharisespriortothepaymentoftheFeesfortheSolutionbytheCustomer;

• theDataBreacharisesoutofanywilfuldefault,orcriminalactoromissionoftheCustomer;

• thisAgreementisterminated(foranyreason);or

• theCustomer’sclaimunderthisSchedule5doesnotrelatetoanIndemnificationItemorisotherwiseaCustomerobligationundertheTOSgoverningtheservicesrenderedbyElavon.

(e) WITHDRAWAL OR SUSPENSION

WithoutprejudicetotheaccruedrightsandliabilitiesoftheCustomer,theCustomerfurtheracknowledgesthatthePCIWaiverPlanmaybewithdrawnorsuspendedbyElavononreasonablewrittennotice.

3. SOLUTIONS

(a) ThetermsofthisSchedule5shallapplytoyoursubscriptionofyourSolution.Fortheavoidanceofdoubt,thetermsofthisSchedule5areintendedtosupplementandbereadinconjunctionwiththerestofyourAgreement.Inaddition,dependingontheSolutionyouhavesubscribedto,thefollowingtermsshallalsoapplywhere:

(i) yousubscribeforSecuredPro,thelicencetermsatPartAofAnnexAandthe“Set-up,DescriptionandTechnicalDetails”atAnnexBshallapply;and

(ii) yousubscribeforSecuredEncrypt,thelicencetermsatPartBofAnnexAshallapply.

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4. EXCLUSION OF LIABILITY

(a) Wedonotwarrant that theoperationofSecuredEncryptorSecuredProwillbeuninterruptedorerrorfree,thatSecuredEncryptorSecuredProwillworkproperlyonanygivenDeviceorwithanyparticularconfigurationofhardwareand/or software, thatSecuredEncryptorSecuredProwill providecompleteprotectionfortheintegrityofanyDeviceoragainstallpossiblethreats,orthatSecuredEncryptorSecuredProwillmeetyourrequirements.WemakenowarrantyastotheresultsthatmaybeobtainedfromtheuseofSecuredEncryptorSecuredProorastotheaccuracyorreliabilityofanyinformationobtainedthroughSecuredEncryptorSecuredPro.Norecommendationorinformation,whetheroralorwritten,obtainedbyyoufromusorthroughorinconnectionwithSecuredEncryptorSecuredProshallcreateanywarrantynotcontainedherein.Wedisclaimany liability thatmayariseasa resultofunusedor incorrectlyusedrecommendationsprovidedbyusorimproperinstallationorremovalofsoftwareoramendmentordeletionofdata.Weshallhavenoliabilityforanydamagecausedbytheimplementationoforarisingfromanyerrorsoromissionsinanyinformation,recommendationorscriptprovidedinconnectionwithSecuredEncryptorSecuredProoranyactionstakenbyyouatourrecommendation.

(b) Youacknowledgeandagreethatanymaterial,update,patchand/ordatadownloaded,installed,amended,deletedorotherwiseusedinconnectionwithSecuredEncryptorSecuredProisatyoursolediscretionandriskandthatyouwillbesolelyresponsiblefor:theresultsobtainedfromtheuseofeitherSecuredEncrypt/SecuredPro;foranyconclusionsdrawnfromsuchuse;anydamagetoyourDevicesoranylossofdatathatresultsfromsuchdownloadingorinstallationofthatSolution.

(c) YouacknowledgethatwemayrelyuponinformationprovidedbyyouinordertoprovideyouwithaSolutionandaccordinglyyouagreethatweshallnotbeliabletoyouinanywaytotheextentsuchliabilityarisesfromthematerialinaccuracyofanysuchinformationoranymaterialfailurebyyoutoprovideinformationreasonablyrequestedbyusinrelationtoaSolution.

(d) NothinginthisSchedule5shallexcludeorlimitanyliabilitythatcannot,asamatteroflaw,belimitedorexcluded.

5. YOUR SUBSCRIPTION

(a) AttheendofanyInitialSubscriptionPeriod,yoursubscriptionfortheSecuredEncryptorSecuredProwillautomaticallyextendforanadditionaltwelve(12)monthperiod(eacha“Renewal Period”)attheendoftheInitialSubscriptionPeriodoranyRenewalPeriod(asapplicable),unlessyoucancelyoursubscriptionbygivingusnotice(inaccordancewiththerequirementsofyourAgreement)atleastone(1)monthbeforetheendoftheInitialSubscriptionPeriodoranyRenewalPeriod(asapplicable).

(b) YoumayalsocancelyoursubscriptionbygivingnoticeatanytimeduringtheSubscriptionPeriodandanysuchcancellationwill takeeffectattheendoftheInitialSubscriptionPeriodorRenewalPeriod(asapplicable)andwillresultinyoursubscriptionnotbeingextended.YouwillremainliableforanyFeesdueinrelationtotheremainderofyourSubscriptionPeriodandwillretainaccesstoyourSolutionuntiltheendofthethen-currentSubscriptionPeriod.

(c) ShouldweterminateyourAgreementpriortotheendofanySubscriptionPeriodforconvenience,assetoutinparagraph6ofthisSchedule5below,youshallonlybeliableforanyFeesdueinrelationtothesupplyoftheSolutionuptoandincludingthedateofsuchtermination.

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6. TERMINATION BY ELAVON

WithoutprejudicetoanyotherrightsandremediessetoutinyourAgreement,theCardSchemeRulesoratLaw,wemayandatourconvenience:

(a) At any timewithout causeduring the Initial SubscriptionPeriodor anyRenewalPeriod terminate yoursubscription to theSecuredEncryptorSecuredPro,subject togivingyou two (2)monthspriorwrittennotice;and

(b) SuspendorterminateanypartofourobligationsforanySolution,withimmediateeffect, intheeventofamaterialbreachof thisSchedule5,and,whereanysuchbreach iscapableof remedy,wehavefirstprovidedyouwithwrittennoticeoftheallegedbreachandsuchbreachremainsun-remediedforaperiodofthirty(30)daysfollowingreceiptofthewrittennoticebyyou.

(c) Fortheavoidanceofdoubt,bothParties’rightsandconditionstoterminateyourAgreementalsoapplytothetermsofthisSchedule5foranySolution.Notwithstandingtheforegoing,thePartiesherebyacknowledgethatterminationofthetermsforanySolutionshallnotresultintheautomaticterminationofyourAgreement,andthatyourAgreementcanonlybeterminatedinaccordancewiththetermssetoutinyourAgreement.

7. PAYMENT OF FEES

(a) InconsiderationfortheprovisionoftheSolutionyouwillpayustherelevantFeefortheSolutionbydirectdebitorbyotherpaymentmethod,assetoutinyourScheduleofFees.TheFeesarepayableperMID,permonthincludingthemonthinwhichyourInitialSubscriptionPeriodcommences,nomatterwheninsuchmonthitcommences,butnotthemonthinwhichyourthencurrentSubscriptionPeriod(whetheritisyourInitialSubscriptionPeriodorRenewalPeriod,asapplicable)ends.

(b) WewillcollecttheFeesfromyou,inarrears,asperthetermsofyourAgreement.

(c) PCINon-ComplianceFee

i) The PCI Non-Compliance Fee is set out in your Schedule of Fees. You will be charged the PCI Non-ComplianceFee:

• IfyouareaPCILevel3orLevel4CustomerthatsubscribestoSecuredPCI;

• IfyoudonotcertifyyourcompliancewithPCIDSSinaccordancewithparagraph7(c)(ii)ofthisSchedule5within90daysofcompletionofyourboardingtoSecuredPCI.YouwillalsobechargedthePCINon-ComplianceFeeonamonthlybasisthereafter,untilyoucertifyyourcompliancewithPCIDSSinaccordancewithparagraph7(c)(ii)ofthisSchedule5;or

• In the event youdo not provide a renewedPCIDSS certification to Elavon in accordancewithparagraph7(c)(ii)ofthisSchedule5.Inthiscase,thePCINon-ComplianceFeeshallbecomepayableagain30daysafterthefirstanniversaryofthelastPCIDSScertificationdateyouprovidedtoElavon.

(ii) ThePCINon-ComplianceFeewillceasetobecomepayableonElavon’sreceiptofyourPCIDSScertification.YoushouldreportyourcompliancewithPCIDSSbyprovidingdetailsofyourPCIDSScertificationthroughtheonlineportalavailableviayourSecuredPCIontheWebsite,orasotherwiseadvisedbyElavon.

(iii) IfavalidPCIDSScertificationdateisupdatedbythe25thofagivenmonthinaccordancewithparagraph7(c)(ii)ofthisSchedule5,thePCINon-ComplianceFeewillnotaccrueforthatmonth.Ifitisuploadedafterthe25thofagivenmonth,youwillbeliableforthePCINon-ComplianceFeeforthatmonth.

(d) Wemay from time to timevary theFeesandcharges for theSolutionand/or introducenewadditionalchargesinaccordancewithyourAgreement.

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ANNEX A TO SCHEDULE 5.LICENCE TERMS

A) SECURED PRO LICENCE TERMS

1.1.We,subjecttothetermsofthisSchedule5,grantyouanon-assignable,non-exclusive,revocable,limitedandnon-transferablelicencetousetheSolutionduringtheSubscriptionPeriod.

1.2.YoumayusetheSolutiononupto2(two)Devicesorupto2(two)IPaddresses(asapplicable,asspecifiedinAnnexB)foreachlicencepurchasedasspecifiedinyourScheduleofFeesunder“Quantity”(savefortheAntivirusProtection,assetoutinAnnexB,whichislimitedto1Device).

1.3.Youwillnot,andwillnotpermitanythirdpartyto:

(a) UseanylicenceorotherauthorisationnumberprovidedbyusinconnectionwiththeSolutiononmorethanthenumberofDevicesoragainstmorethanthenumberofIPaddressesspecifiedinthisSchedule5;

(b) Discloseany licenceor authorisationnumber for theSolution to anypartyother than tousorourauthorisedrepresentatives;

(c) CircumventorattempttocircumventcontrolsontheinstallationoruseoftheSolution;

(d) Copy,modify,change,alter,duplicate,createderivativeworksfrom,frame,mirror,republish,download,display,transmit,ordistributealloranyportionoftheSolutioninanyformormediaorbyanymeansnorattempttodoanysuchthing;

(e) Reversecompile,disassemble,translate,reconstruct,transform,extract,reverseengineerorotherwisereducetohuman-perceivableformalloranypartoftheSoftwareand/ortheSolutionnorattempttodoanysuchthingexcepttotheextentthat(byvirtueofsections50Band296AoftheCopyright,DesignsandPatentsAct1988)suchactionscannotbeprohibitedbecausetheyarenecessarytodecompiletheSoftwareand/ortheSolutiontoobtaintheinformationnecessarytocreateanindependentprogramthatcanbeoperatedwiththeSoftware,theSolutionorwithanotherprogram(“Permitted Objective”),andprovidedthattheinformationobtainedbyyouduringsuchactivities:

• isnotdisclosedorcommunicatedwithoutourpriorwrittenconsenttoanythirdpartytowhomitisnotnecessarytodiscloseorcommunicateitinordertoachievethePermittedObjective;

• isnotusedtocreateanysoftwarethatissubstantiallysimilarinitsexpressiontotheSoftware;

• iskeptsecure;and

• isusedonlyforthePermittedObjective

(f) Publish, sell, distribute, broadcast, transmit, communicate, transfer, rent, lease, assign, display,disclose,pledge,share,licenceorotherwisecommerciallyexploittheSolution;

(g) GrantanythirdpartyaccesstooruseoftheSolution;

(h) Accessoruse theSolutionother than inaccordancewith thisSchedule5, theother termsofyourAgreementoranytermsofusesetoutontheWebsiteorotherwisemadeavailabletoyou;

(i) InstallanySoftwareonanyoperatingsystemnotsupportedbyus;and/or

(j) Removeanycopyright,trademarkorotherproprietarynoticesfromtheSoftware.

1.4.ByusingtheSolutionyou:

(a) Agree and acknowledge that it is your responsibility at all times to back-up any data, software,informationorotherfilesstoredonanyDevice;

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(b) Confirm that the Solution may include recommendations in relation to: software installation,configurationorupdates;operatingsystemupdatesorconfiguration;amendmentstoDevice,router,firewallorsecuritysettingsorconfiguration;passwordresetoramendment;orremoval,amendmentoralterationofdatastoredonyourDevices;

(c) Confirmthatwemayremoveandinstallsoftware,changeDevicesettingsandotherwiseconfigureyourDevices;

(d) AcknowledgeandagreethatwemayrunsecurityscansagainstyourDevices;

(e) AcknowledgeandagreethatwemayfromtimetotimeprovideUpdateswithoutrequestingorobtainingyourseparateconsent;

(f) AcknowledgeandagreethatyoumaynotbeabletousetheSolutionorpartoftheSolutionunlessyouusethelatestUpdateswehaveprovided;

(g) AuthoriseustodownloadandinstallonyourDevicessoftwareprogramsthatenableustoaccessandcontrolyourDevicesremotely;and

(h) Acknowledgeandagreethatweshallnotbeliableunderanycircumstancesforanydamage,loss,alterationorcorruptionofanydata,information,software,filesoranyDeviceresultingfromyouruseoftheSolution.

1.5.Fortheavoidanceofdoubt,theSolutiondoesnotaffectyourresponsibilitytocomplywithPCIDSS.

B) LICENCE TERMS FOR SECURED ENCRYPT

1.1.We,subjecttothetermsofthisSchedule5,grantyouanon-assignable,non-exclusive,revocable,limitedandnon-transferablelicencetousetheSolutiononyourDevice(s)duringtheSubscriptionPeriod.

1.2.Youwillnot,andwillnotpermitanythirdpartyto:

(a) DiscloseanylicenceorauthorisationnumberforSolutiontoanypartyotherthantousorourauthorisedrepresentatives;

(b) CircumventorattempttocircumventcontrolsontheinstallationoruseoftheSolution;

(c) Copy,modify,change,alter,duplicate,createderivativeworksfrom,frame,mirror,republish,download,display,transmit,ordistributealloranyportionoftheSolutioninanyformormediaorbyanymeansnorattempttodoanysuchthing;

(d) Reversecompile,disassemble,translate,reconstruct,transform,extract,reverseengineerorotherwisereducetohuman-perceivableformalloranypartoftheSoftwareand/orSolutionnorattempttodoanysuchthingexcepttotheextentthat(byvirtueofsections50Band296AoftheCopyright,DesignsandPatentsAct1988)suchactionscannotbeprohibitedbecausetheyarenecessarytodecompiletheSoftwareand/orSolutiontoobtaintheinformationnecessarytocreateanindependentprogramthatcanbeoperatedwiththeSoftwareand/orSolutionorwithanotherprogram(“Permitted Objective”),andprovidedthattheinformationobtainedbyyouduringsuchactivities:

• isnotdisclosedorcommunicatedwithoutourpriorwrittenconsenttoanythirdpartytowhomitisnotnecessarytodiscloseorcommunicateitinordertoachievethePermittedObjective;

• isnotusedtocreateanysoftwarethatissubstantiallysimilarinitsexpressiontotheSolution;

• iskeptsecure;and

• isusedonlyforthePermittedObjective;

(e) Publish, sell, distribute, broadcast, transmit, communicate, transfer, rent, lease, assign, display,disclose,pledge,share,licenceorotherwisecommerciallyexploittheSolution;

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(f) GrantanythirdpartyaccesstooruseoftheSolution;and/or

(g) AccessoruseSecuredEncryptotherthaninaccordancewiththisSchedule5,theothertermsofyourAgreementoranytermsofusesetoutontheWebsiteorotherwisemadeavailabletoyou.

1.3.ByusingtheSolutionyou:

a) Confirm that the Solution may include recommendations in relation to: software installation,configurationorupdates;operatingsystemupdatesorconfiguration;amendmentstoDevice,router,firewallorsecuritysettingsorconfiguration;passwordresetoramendment;orremoval,amendmentoralterationofdatastoredonyourDevices;

(b) Confirmthatwemayremoveandinstallsoftware,changeDevicesettingsandotherwiseconfigureyourDevices;

(c) AcknowledgeandagreethatwemayrunsecurityscansagainstyourDevices;

(d) AcknowledgeandagreethatwemayfromtimetotimeprovideUpdateswithoutrequestingorobtainingyourseparateconsent;

(e) AcknowledgeandagreethatyoumaynotbeabletouseSecuredEncryptorpartofthisSolutionunlessyouusethelatestUpdateswehaveprovided;

(f) AuthoriseustodownloadandinstallonyourDevicessoftwareprogramsthatenableustoaccessandcontrolyourDevicesremotely;and

(g) Acknowledgeandagreethatweshallnotbe liableunderanycircumstancesforanydamage, loss,alterationorcorruptionofanydata,information,software,filesoranyDeviceresultingfromyouruseoftheSolution.

1.4.Fortheavoidanceofdoubt,theSolutiondoesnotaffectyourresponsibilitytocomplywithPCIDSS.

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Elavon Secured Pro

Set Up Description Technical Details

PCIDSSExternalVulnerabilityScan

Outboundcall*madebyElavontoconfigurethescanwithcustomerandwalkthroughSAQ

Thepurposeofthisscanistoidentifyiftherearevulnerableentrypointstoyourbusinessnetworkbyscanningallpossiblepointsofentry.

•Scansagainsttwo(2)IPaddresses perMIDonly

•UnlimitedscanningonthosetwoIPs

•RequiredonaquarterlybasisforPCIDSScompliance

•Scanreportcomplianceremediationrecommendations

NetworkPerimeterScan

Outboundcall*madebyElavontoconfigurethescanwiththecustomer

TheNetworkPerimeterScanchecksforpossibleentrypointsinyourbusinessnetworkthatcouldallowhackerstogainaccesstoyourbusinesses,potentiallystealingyourcustomers’paymentcardinformationandothersensitivedata.

•Nosoftwareinstallisrequired•AnAssurancebadgewillbeavailable todisplayonyourwebsite

•Scansagainsttwo(2)IPaddresses perMIDonly

POSApplicationDiscovery

Outboundcall*madebyElavontoconfigurewiththecustomer

Whenrunonaregularreoccurrence,thisscancrosschecksandverifiesyourPOSApplicationagainstthePCISecurityCouncillistofapprovedPOSApplicationstoensureyourcomplianceforrequirements6.1and11.2.1.

•DeliveredviaSysnetProtectApp –thisneedstobedownloaded tothedevice

•RunsonWindows•Scansagainsttwo(2)Devices perMIDonly

DeviceSecurityScan

Outboundcall*madebyElavontoconfigurewithcustomer

TheDeviceSecurityScancanbeusedacrossPCsandlaptopsrunningWindowsorOS/XoperatingsystemsandmobiledevicesrunningiOSorAndroidoperatingsystems.Thescandetectsanystoredcustomercardinformationanditalsoanalysesthesystemforanycurrentcyber-threats,virusesandmalware.Thescanwillalsochecktheoverallcomputersecuritypatchlevelswithintheoperatingsystemandmajorsoftwareapplications.

•DeviceSecurityScanisdeliveredviatheSysnetProtectAppthedesktopversionwillbeemailedtoyouandthemobileversioncanbedownloadedfromiTunesorGooglePlayStore

•Scansyourdevicesforvulnerabilities•Assessthreatsandvulnerabilitiesforoperatingsystem(OS)versionsaswellasotherapplicationsonyourDevice

•Scansthefollowingforunencryptedcardholderdatatogreatlyreducetheriskofadatabreach:Deviceandlocalmemory,filecontents

•Scansmanyfiletypes,including.xls(x),.doc(x),.ppt(x),.pst,.pdf,.zip,.txt,.csv,.html,.xml,.rtf,.odt,.sxw,.sql.and.pdf

•Windows,MacOSXandLinux•MobileDeviceSecurityScanisiOSandAndroidcompatible

•Scansagainsttwo(2)Devicesper MIDonly

*Outboundcallswillbemadeapproximately15daysfromElavon’sacceptanceofyourApplication.

ANNEX BSET UP, DESCRIPTION AND TECHNICAL DETAILS

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Elavon Secured Pro

Set Up Description Technical Details

CardholderDataScan

Outboundcall*madebyElavontoconfigurewithcustomer

TheCardholderDataScan,willhelpyoufindunencryptedcreditcardnumbers(alsoknownasPrimaryAccountNumbers‘PAN’)oncomputers,laptopsandtabletsandotherconnecteddevices.ThisdramaticallyreducesthescopeofyourPCIDSSassessmentbyidentifyingwhereyoustorepaymentcarddatasothatyoucansecurelyremoveit.

•DeliveredviaSysnetProtectApp–needstobedownloadedtodevice

•Lowsystemimpact•DisplaysfilesandfolderscontainingsuspectedPANdata

•Scansawidevarietyoffiletypes,including.xls(x),.doc(x),.ppt(x),.pst,.pdf,.zip,.txt,.csv,.html,.xml,.rtf,.odt,.sxw,.sql.and.pdf

•Windows,MacOSXandLinux•Scansagainsttwo(2)Devices perMIDonly

AntivirusProtection

Outboundcall*madebyElavontoconfigurewithcustomer

Ensureyourdevicesarenotinfectedwithvirusesandothermalwarewhichcandisruptandpotentiallydamageyourbusiness.Protectagainstarangeofproblemsfrominconvenientmalwarewhichcanslowsystemstopreventingagainsthackersandphishingofyourdevices.

•Installedfromalinkthatwillbe emailedtoyou

•SupportforoneDeviceperMIDonly•Windows(allversions,MacOS (allversions),LinuxorAndroidoperatingsystems

ANNEX B (CONTINUED)

*Outboundcallswillbemadeapproximately15daysfromElavon’sacceptanceofyourApplication.

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SCHEDULE 6.GOODS (INCLUDING CARD READERS)

PART A: TERMS APPLICABLE TO GOODS (INCLUDING CARD READERS)

1. DELIVERY AND/OR INSTALLATION OF GOODS

(a) WhereGoodsaretobeinstalled(asindicatedintheApplication),weshallagreeatimetablefortheinstallationoftheGoodswithyou.ElavonshallusereasonableendeavourstoinstalltheGoodsinaccordancewiththetimetablehowever,youagreethattimeofinstallationisnotoftheessenceandmaynotbemadesobytheserviceofanynotice.

(b) SaveforwhereinstallationisselectedintheApplicationweshalldelivertheGoodstoyouattheaddressyouspecifiedasyourTrading(DBA)AddressintheApplication.AnydatessuggestedfordeliveryoftheGoods(s)areestimatesonlyandtimeofdeliveryisnotoftheessenceandmaynotbemadesobytheserviceofanynotice.

(c) Subjecttosection1(d),ElavonshallnotbeliableforanylossincurredbyyouifthedeliveryorinstallationoftheGoodsisdelayedforanyreasonfromtheanticipateddeliveryorinstallationdate.

(d) IfElavonfailstodeliverorinstalltheGoodswithin30daysofusnotifyingyouinwritingthatyourApplicationhasbeenacceptedand(i)younotifyElavonassoonaspossibleaftertheanticipateddeliveryorinstallationdate that delivery has not occurred; and (ii) we have had the opportunity tomake another delivery orinstallation;and(iii)deliveryorinstallationhasnotfailedduetoanyactionoromissionbyyou,includingyourfailuretosignfortheGoods(ifapplicable)oryourrefusaltoacceptdeliveryorinstallation;thenElavon’sobligationshallbelimitedtothevalueofarefundofthepurchasepriceoftheGoods.

(e) Ifyoufailtoacceptinstallationof,ortakedeliveryoftheGoods,thenexceptwheresuchfailureordelayiscausedbyForceMajeureorbyElavon’sfailuretocomplywithourobligationsundertheAgreementinrespectoftheGoods:

(i) installationordeliveryoftheGoods(s)shallbedeemedtohavebeencompletedat9:00amGMTonthethirdBusinessDayfollowingthedayonwhichElavonattemptedtomakethefirstinstallation,ordeliveryoftheGoods(notwithstandinganyfurtherattemptsElavonmakestoinstall/delivertheGoodsafterthefirstattempt);and

(ii) Elavonshallstore theGoodsuntil installationordelivery takesplaceandchargeyou forall relatedcostsandexpenses(includinginsurance).

(f) If tenBusinessDaysafterElavonattempted tomake thefirstdeliveryor installationof theGoodsyouhavenotacceptedinstallationortakendeliveryoftheGoods,ornotifiedusthatdelivery/installationhasnot takenplace (notwithstandingany furtherattemptsElavonmakes todeliver,or install, theGoodsatourdiscretion),ElavonmayresellorotherwisedisposeoftheGoods.ElavonshallbeentitledtotreattheAgreement as havingbeen terminatedby you tenBusinessDays afterweattempted tomake the firstinstallationordeliveryoftheGoodsandElavonreservestherighttochargeareasonableadministrativefeetoyouinrespectofyourtermination.

(g) ElavonshallnotbeliableforanydelayorfailureindeliveryorinstallationintheeventofForceMajeure,oryourfailuretoprovideuswithadequatedeliveryinstructionsfortheGoodsoranyrelevantinstructionrelatingtothesupplyoftheGoods.

(h) Theriskofloss,theftordamagetotheGoodsshallpasstoyouoncompletionofdeliveryorinstallation,asapplicable.

(i) NotwithstandingdeliveryorinstallationoftheGoods,titletotheGoodsshallnotpasstotheCustomeruntilpaymentinfulloftheFeesdueinrespectoftheGoods,inaccordancewiththisAgreement.

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2. DISPOSAL OF GOODS

YoushallundertakeallresponsibilitiesandobligationsundertheWEEERegulationsinconnectionwiththeenvironmentallysoundtreatment,recyclingorrecoveryandsafedisposaloftheCardReaderandforanyotherelectricalorelectronicequipment(“EEE”),includinganybatteries.FurtherinformationregardingEEEwasteisavailableatwww.weee.ie.

PART B: TERMS APPLICABLE TO CARD READERS

3. QUALITY OF CARD READERS

(a) Elavonwarrants thatondelivery, and for aperiodof twelve (12)months from thedateofdelivery (the“WarrantyPeriod”)theCardReadersshall:

(i) conforminallmaterialrespectswithitsdescription;

(ii) befreefrommaterialdefectsindesign,materialandworkmanship;

(iii) beofsatisfactoryquality(withinthemeaningoftheSaleofGoodsActs1893and1980);and

(iv) befitforanypurposeheldoutbyElavon.

(b) Exceptasexplicitlyprovided in thissection3, in relation to thesupplyofCardReaders,allwarranties,conditionsandothertermsimpliedbystatuteorcommonlaware,tothefullestextentpermittedbylaw,excludedfromtheAgreement.Fortheavoidanceofdoubt,thewarrantysetoutinsection3(a)excludes,inparticular,costsarisingfromnotbeingabletousetheCardReaderorfromdamageorlosscausedwhentheCardReaderbreaksdown (subjectalways tosection27(d));and thecostof replacingany itemsoraccessoriesthatareintendedtobereplaceable,suchasbatteries,cables,powersuppliersandplugs.

(c) Subjecttothissection3,ifduringtheWarrantyPeriodtheCardReaderdoesnotcomplywiththewarrantysetout insection3(a)andyounotifyElavonand (ifasked todoso) returnsuchCardReader (withinareasonable timeofdiscoveryof thedefect) to theaddressnotified toyoubyElavonatyourcost, thenElavonshall,atitsoption,havingexaminedtheCardReader,repairorreplacethedefectiveCardReader,orrefundthepurchasepriceofthedefectiveCardReaderinfull.

(d) ElavonshallnotbeliablefortheCardReader’sfailuretocomplywiththewarrantyinsection3(a)aboveif:

(i) thedefectarisesbecauseyouhave failed to followany instructions, including thosesetout in theTOS,OperatingGuide,anyCardReadermanualorgoodtradepractice)astothestorage,installation,commissioning,useormaintenanceoftheCardReader;

(ii) youarenotusingtheCardReaderwithaCompatibleDevice;

(iii) youalterorrepairsuchCardReaderwithoutElavon’spriorwrittenconsent;

(iv) youfailtoreturntheCardReadertoElavonformaintenanceor,uponreasonablewrittennoticefromElavon, fail toapplysoftwaredownloads,updatesand/orupgradestotheCardReaderatElavon’sdirection;

(v) thedefectarisesasaresultoffairwearandtear,includingcosmeticdamage,oryourwilfuldamage,negligenceorabnormalworkingconditionsoruseinconjunctionwithitemsnotapprovedbyElavon.

(e) ElavonshallhavenoliabilitytoyouintheeventthattheCardReaderisrequiredtobereplacedormodifiedinanywayasadirectresultofanychangeintheCardSchemeRules,includingPCIDSS,andyouagreetoreturntheCardReadertoElavonatourwrittenrequest.YouacknowledgeandacceptthatElavonwillberequiredtodiscontinueuseofanyCardReaderwhichisnolongercompliantwithCardSchemeRules,includingPCIDSS,andthatyouareresponsibleforpurchasinganyreplacementCardReader(s)toensurecontinuedcompliancewiththeserequirements.

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(f) TheseTOSshallapplytoanyrepairedorreplacementCardReadersuppliedbyElavonundersubsection3(a) althoughanywarranty in respectof a repairedor replacementCardReaderwill applyonly for theremainderoftheWarrantyPeriodwhichisunexpiredinrespectofthefirstCardReader.

4. SECURITY

(a) YouareresponsiblefortakingallreasonablesecuritymeasurestokeeptheCardReadersafe,includingmeasurestopreventunauthoriseduseofit.IfyouknoworsuspectthattheCardReaderhasbeenlost,stolenormisused,youmustnotifyElavonimmediately.

(b) YouareresponsibleforensuringthattheCardReaderisnotaccessedorusedtocommitanyfraudortheftbyyou,theCardholderoranythirdpartywhiletheCardReaderisinyourpossession.Youwillbeliableforanylossesthatresultfromsuchcriminalacts,iftheyoccurasaresultofeither:

(i) Youroryouremployees’negligence;or

(ii) Yournon-compliancewiththeTOS,OperatingGuide,anyCardReadermanualorgoodcommercialpracticetopreventfraudand/ortheft.

(c) ElavonmayblockuseoftheCardReaderif:

(i) ElavonhasreasonablegroundsforconcernaboutthesecurityoftheCardReader;

(ii) Elavonhas reasonablegrounds to suspect that it hasormaybeused for a fraudulent or criminalpurposeorinanunauthorisedmanner;

(iii) Elavonsuspectsorhas reasonablegrounds tobelieve that theCardReader isbeingusedoutsideIreland;or

(iv) Elavonareobligedtodosotocomplywithlegalorregulatoryobligationshowsoeverarising.Elavonshallnotifytheyouofanysuchaction,andthereasonsandtheproceduresforrectifyinganyfactualerrorsthathaveledtotheactionunlessElavonisprohibitedfromdoingsoundertheLaws.Elavonmaychargeyouthereasonablecostsofanysuchnotification.

SCHEDULE 7.NOTICE TO CONSUMERS

Ifyouareaconsumer(asdefinedbytheConsumerProtectionCodeissuedbytheCentralBankofIreland(the“Code”),theparagraphscontainedinthisSchedule7shallapplyinsubstitutionforthecorrespondingclausescontainedintheseTOS.Intheeventthatthereisaconflictbetweenaparagraphcontainedhereinandaclauseelsewhere,theparagraphhereinshalltakeprecedencetotheextent(andonlytotheextent)ofsuchaconflict.IfyouarenotaconsumerasdefinedbytheCode,thisSchedule7shallnotapplytoyouatall.

1. NO LIMITATION ON LIABILITY IN CERTAIN INSTANCES.

Thefollowingclause22(d)shallbesubstitutedforclause22(d)intheTOS:

Notwithstandingtheforegoingprovisionsofthissection22,noprovisionoftheAgreement(includinganyindemnitygivenbyyou)shallhavetheeffectof(i)limitingtheliabilityofapartyfordeathorpersonalinjuryarising from itsownnegligenceorof limiting the liabilityofaparty for fraudulentmisrepresentation; (ii)limitingtheliabilityofElavontoyoupursuanttoabreachbyElavonoftheCode;or(iii)excludingwarranties,conditionsor imposeconditionswhichpursuant tocertain legislationcannotbeexcluded, restrictedormodifiedorcannotbeexcluded,restrictedormodifiedexcepttoalimitedextent.

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2. ENTIRE AGREEMENT

Thefollowingclause27(b)shallbesubstitutedforclause27(b)intheTOS:

TheAgreementasamendedfromtimetotime,constitutetheentireagreementbetweentheparties,andsupercedeallprior representations,whetherwrittenororal;provided,however theAgreementshallnotsupersedeanySecurityDocumentand/oranyGuaranteeenteredintoinfavourofElavon,whichshallbedeemedtoremainanagreementseparateanddistinctfromtheAgreement.

3. THE FOLLOWING CLAUSES SHALL BE INSERTED AS NEW SUB-CLAUSES IN CLAUSE 27 (MISCELLANEOUS PROVISIONS)

27(n) Complaints.Elavon iscommittedtoprovidinganexcellentcustomerexperience;however, ifyoufeelthatwehavenotmetyourexpectations,wewouldliketoknow.Ifyouarenotsatisfiedwithanyaspectofourservice,pleasecontactusby telephoneatourServiceCentre03458500195.Ourlinesareopen24hoursaday,7daysaweek.Alternatively,writetousatElavonMerchantServices,Building8,CherrywoodBusinessPark,Loughlinstown,Co.Dublinorsendanemailtocomplaints@elavon.com.Ifwecan’tresolvethemattertoyoursatisfactioninformallywewillsendyouawrittenacknowledgementwithin5businessdaysofhavingreceivedyourcomplaint.Youwillbeprovidedwithonepointofcontacttohandleanyquestionsyoumayhave,andwewillensurethatyoureceiveafullwrittenresponse.Ouraimistoresolveyourconcernsandrespondtoyouassoonaspossibleand no later than 15 business days of first receiving your complaint. If, for reasons beyond ourcontrol,weareunabletoissueafinalresponsetoyouwithin15businessdayswewillwritetoyoutokeepyouupdated,clearlyoutliningthereasonforourdelayandwewillsetoutthetimelinebywhichyouwillreceiveafullresponse.Thisdeadlinewillbenolongerthan35businessdaysfromthereceiptof your initial complaint. Ifweareunable toprovidea responsewewill let youknow the reasonforthedelayandwill informyouofyourrighttoreferthecomplainttotheFinancialOmbudsmanService(FOS).YoumayalsoreferthecomplainttotheFOSintheeventyouarenotsatisfiedwithourresponse.PleasenotethattheFOSwillonlybecomeinvolvedafterwehavehadtheopportunityto research and address the complaint. The FOS can be contacted at:Financial Services and Pensions Ombudsman (FSPO) https://www.fspo.ie, Lincoln House, Lincoln Place, Dublin 2, D02 VH29, Telephone: +353 1 567 7000 Email: info@fspo.ie.IntheeventthatyouarenoteligibletoreferyourcomplainttotheFOS,Elavondoesnotsubscribetoanalternativedisputeresolutionservice.

27(o) Acknowledgement.Youacknowledgethat,intheprovisionoftheserviceshereunder,weareobligedtocomplywiththeRules.IntheeventyouareobligedtocomplywithanyobligationsundertheRuleswhichareinexcessofyourobligationspursuanttothisAgreementwewill,subjecttoclause27(g),notifyyouofsuchadditionalobligationsfromtimetotimeandyouherebyagreetobeboundbythem.

27(p) Compensation Schemes.ElavonisamemberoftheIrishdepositguaranteescheme(the“Scheme”).TheScheme is limited inscopeandappliesonly toclaimantswhohave“deposits”withmemberinstitutions.IftheSchemeisapplicabletoyou,thecompensationpayabletoyouislimitedto90%of theamountofeligibleunavailabledeposits (asdefined in theEuropeanCommunities (DepositGuarantee Scheme) Regulations 1995 (as amended) subject to a maximum of €20,000 (TwentyThousandEuros).DetailsregardingtheSchemeareavailableatwww.financialregulator.ie.

27(q) Conflict of Interest.AnyconflictofinterestthatmayariseintheprovisionbyElavonofourservicestoyouinaccordancewiththeAgreementshallbedealtwithinaccordancewithourCodeofEthicsand Business Conduct policy. All actual, perceived, and potential conflicts of interest shall bereviewedinternallybyElavononbecomingawareofthesame.Totheextentyouwishtocontinuetodobusinesswithus,youareobligedtoprovideElavonwithnoticeinwritingofacknowledgementofanyconflictofinterest,statingthatyouareawareoftheconflictandthatyouconsenttocontinuingtodobusinesswithus.

ElavonFinancialServicesDACRegisteredinIreland–Number418442

RegisteredOffice:Building8,CherrywoodBusinessPark,Loughlinstown,Co.Dublin, D18W319,IrelandElavonFinancialServicesDAC,tradingasElavonMerchantServices, isregulatedbytheCentralBankofIreland.

ELAVONTOS–ROI07/2019