PAYMENT NETWORK DISCLOSURE

The following disclosure must be reviewed and accepted prior to acceptance of the V2S Software and Services Agreement and prior to activation of a V2S Services Account.

Payment Services Provider: Contact Information

Name:                             Vision2Systems LLC

Address:                         2130 Commerce Street, Dallas TX 75201

Phone Number:            215-272-0863

Member Bank Information

Wells Fargo Bank, N.A.

1200 Montego, Walnut Creek, CA 94598

(800) 451-5817

Important Member Bank Responsibilities

  • The Bank is the only entity approved to extend acceptance of Card Organization products directly to a Merchant (V2S Client).
  • The Bank must be a principal (signer) to the Merchant Agreement.
  • The Bank is responsible for educating Merchants on pertinent Visa and MasterCard Rules with which Merchants must comply; but this information may be provided to you by Processor.
  • The Bank is responsible for and must provide settlement funds to the Merchant.
  • The Bank is responsible for all funds held in reserve.

Important Merchant Responsibilities

  • Ensure compliance with cardholder data security and storage requirements.
  • Maintain fraud and chargebacks below Card Organization thresholds.
  • Review and understand the terms of the Merchant Agreement.
  • Comply with Card Organization rules.
  • Retain a signed copy of this Disclosure Page.

Merchant Resources

  • You may download “Visa Regulations” from Visa’s website at:

http://usa.visa.com/merchants/operations/op_regulations.html

The responsibilities above do not replace the terms of the V2S Software and Services Agreement and are provided to ensure the Merchant understands some important obligations of each party and that the Bank is the ultimate authority should the Merchant experience any problems.

VISION2SYSTEMS TERMS OF SERVICE

This Software and Services Agreement (“Agreement”) is provided in three parts, Part One: Software as a Service Terms and Conditions, constituting a legal Agreement between you (“Client”, “you,” or “your”) and Vision2Systems, LLC (“V2S”, “we,” “our,” or “us) for use of our Software as a Service Platform, and Part Two: Payment Services Terms and Conditions, a legal agreement between you, us and Wells Fargo Bank, N.A., or other payment processor ( “WFB” or “payment processor”) and Part Three: Other Legal Terms and Conditions applicable to both Parts One and Two on the condition that you acknowledge you have read, accept and agree to be bound by the terms and conditions of all Parts of this Agreement including all exhibits incorporated herein by reference, and that you register and are approved by us for a Services Account (includes payment services). V2S is organized under the laws of the State of Texas with its principal place of business located at 365 S Cesar Chavez Boulevard, Dallas, Texas 75201-5813.

Part One| Software as a Service Terms and Conditions

We provide our Software as a Service (“Software Services” or “Services”) platform to eligible church and not-for-profit organization to facilitate giving and other charitable activities serving humanitarian, educational, and religious needs in support of social well-being and the common good. We provide our Services on the condition that you acknowledge you have read, accepted and agreed to be bound by all the terms and conditions of this Agreement including all exhibits incorporated herein by reference, and that you register and are approved for use of our Payment Services (Part Two).

1. Our Software Services. Our Services include, but are not limited to the V2S Application Programming Interface (API) that provides you access to our internet-based Services, documentation, tools, components, mobile applications and any updates (including software maintenance, service information, help content, bug fixes, or maintenance releases) that are provided to you by us in accordance with the terms of this Agreement.

2. Services Account. To use our Services you must register and be approved for a V2S Services Account (Services Account). Your Services Account will enable you to use all V2S Services (including payment services).

3. Your License. Upon your organization’s approval for a Services Account, we will grant you a limited, non-exclusive, revocable, non-transferable license, without the right to sublicense, to electronically access and use our software solely for use of our Services, including those Services we provide in partnership with and/or are provided by other sources for which you are approved as required and remain in good standing.

4. Mobile Applications and Third Party Carriers. We also provide you access to the Services via our Give2™ mobile application on compatible devices, or, as V2S expressly agrees in writing, a V2S mobile application that is branded specifically for your organization.

5. Privacy and Security. We take your privacy and the protection of your data very seriously. We do not and will not sell, rent your data to anyone at any time for any reason. We will collect, use, and disclose personal information we receive from those who use our website or services, only as follows: (i) you expressly authorize us to do so; .ii) it is required to fulfill your and your supporter’s requests for certain services; (ii) we must provide to certain third parties who are integral to and assist us in providing services to you and your supporters, and are bound by the same privacy restrictions, including Visa®, MasterCard®, American Express® and other card associations (collectively referred to as “Card Associations”), the Electronic Payments Association (referred to as “ACH” Association”), financial institutions and payment processors; (iii) to detect and protect against fraud and criminal activity; (iv) to enforce V2S terms of service; (v) are compelled to do so by a subpoena, court order or similar legal procedure, banking rules or regulations, or other Legal Requirements. Unless you expressly choose to opt out, we will use your demographic data to provide collective information about our users for benchmarking purposes subject to the following: (i) data is sufficient (organizations, organization types, users, geographic location, etc.) to ensure that neither organizations nor their information is identifiable, and that users cannot be contacted. We may inform third parties about the number of registered users and the pages most frequently browsed.

We are firmly committed to maintaining compliance with Payment Card Industry (PCI) Data Security Standards (PCI-DSS), including Card Associations’ and ACH Association data security programs. [1] We conduct monthly penetration testing, daily active scanning for known security issues and annual recertification as a PCI-DSS certified payment services provider. We have implemented technical and organizational measures to secure your and your supporter’s personal information from unauthorized access and accidental loss or modification. However, we cannot guarantee that unauthorized third parties will never be able to defeat those measures and/or use such personal information for improper purposes. You acknowledge that you provide private information regarding you and your supporters with full knowledge and acceptance of this risk. You affirm your organization’s privacy policy is readily visible and available to your supporter’s on those website(s) on which V2S payment services are made available your supporters. Upon acceptance of this Agreement, you confirm that you have read, understand and accepted V2S Privacy and Security Policy
(Exhibit 1).

6. Client Service. A V2S client advocate will provide you with assistance to resolve issues relating to use of the Services, your Services Account, payment processing, debiting and crediting. You are responsible for providing service to your users and supporters for any and all issues related to your services, including but not limited to issues, such as reversals, returns, chargebacks or disputes, arising from the processing of supporter’s payments through the Services.

7. Ownership, Copyright, Patent Infringement. Our Software Services are licensed and not sold. We reserve all rights not expressly granted to you in this Agreement. Our Services may be protected by patent, copyright, trade secret, and other intellectual property laws. We own the title, copyright and other worldwide Intellectual Property Rights (as defined below) in the Services and all copies of the Services. You further agree that the Services are proprietary and that all right, title and interest in and to the Services, including all associated intellectual property rights, are and shall at all times remain with V2S. For the purposes of this Agreement, “Intellectual Property Rights” means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and/or service mark rights, goodwill, trade secret rights, and other intellectual property rights as may now exist or hereafter come into existence, and all applications therefore and registrations, renewals and extensions thereof, under the laws of any state, country, territory or other jurisdiction. You may choose to or we may invite you to submit comments or ideas about the Services, including without limitation about how to improve the Services or our products (“Ideas”). By submitting any Idea, you agree that your disclosure is gratuitous, unsolicited, and without restriction and, unless notified of its confidential and proprietary classification, V2S will not be under any fiduciary or other obligation, and we are free to use the Idea without any additional compensation to you, and/or to disclose the Idea on a non-confidential basis or otherwise to anyone. You further acknowledge that, by acceptance of your submission, V2S does not waive any rights to use similar or related ideas previously known to V2S, or developed by its employees, or obtained from sources other than you.

8. Impact of Suspension of Payment Services. Upon notice that any or all of your Payment Services are temporarily suspended, all applicable authority and privileges for Payment Services will be suspended until the cause of the suspense is resolved; however, you will continue to have access and use of non-payment Services during the suspense period. Upon lifting of the Payment Services suspension, affected payment services will be restored generally
within 1 business day.

9. Impact of Payment Services Termination. Upon notice that all Payment Services are terminated, you will have 60 (sixty) calendar days from date of termination notice in which to arrange for and migrate your data to another payment services provider, unless otherwise prohibited in whole or in part by legal action and or law enforcement. Should you wish to retain use of our other Services, or are unable to migrate within 60 (sixty) calendar days from date of termination, you may do so for a fee of 0.25%% (one quarter of one percent percent) of your monthly revenue (not payment transaction volume), and payable monthly during the period you continue to use V2S Software.

10. Disclosures and Notices. You agree that V2S can provide disclosures and notices regarding our Services to you by posting such disclosures and notices on our website, emailing them to the email address listed in your Services Account, and/or mailing them to the address listed in your Services Account. You also agree that electronic disclosures and notices have the same meaning and effect as if we had provided you with a paper copy. Such disclosures and notices shall be considered to be received by you within 24 hours of the time it is posted to our website or emailed to you unless we
receive notice that the email was not delivered.

Part Two| Payment Services Terms and Conditions

1. Our Role as a Payment Services Provider. We provide Payment Services to your organization for the purpose of facilitating your supporters’ charitable giving activities upon your approval for a Services Account. We help you accept and process credit card, debit card, and/or other types of cards, and other types of non-card giving payments. We are not a bank or a Money Services Business (MSB) and we do not offer banking or MSB services as defined by the United States Department of Treasury. We are responsible for maintaining PCI-DSS compliance, including annual recertification, and for the security of your data upon transmission of a payment transaction to us for processing.

2. Authorization for Handling Funds. By accepting this agreement, you authorize us to hold, receive, and disburse funds on your behalf. You also authorize Wells Fargo and/or Vision2Systems to hold settlement funds in a demand deposit account (Settlement Account) at Wells Fargo, held for your benefit and on your behalf, pending our disbursement of funds to you when your transactions are completed. You are not entitled to any interest or other compensation associated with the settlement funds held on your behalf until deposited to your designated bank Deposit Account and you may not direct, nor assign any interest in a Settlement Account. Your Deposit Account must be located at a bank in the United States and held in your organization’s name. You authorize us to distribute your funds to the demand Deposit Account you have designated for that purpose. If you choose to collaborate with another V2S Client organization(s) as part of your fundraising efforts, you also authorize V2S to distribute the resulting funds based on the revenue sharing terms agreed and among the collaborating organizations.

3. Information Regarding Anticipated Settlements. We will make information available to you in your Services Account regarding anticipated settlement amounts that we have received on your behalf from the Card Associations or Wells Fargo or other institutions, and are being held pending completion. The settlement amount information provided does not constitute a deposit or other obligation of V2S or Wells Fargo to you. The settlement information reflected in your Services Account is for reporting and informational purposes only. When a deposit date is reflected for a transaction in your Services Account that is confirmation that the deposit was made and settlement is complete. Completed settlements remain subject to chargebacks, returns and refunds.

4. Card Payment Methods. Our card processing services support US-issued cards and most non-U.S. issued cards with a Visa®, MasterCard®, American Express® or Discover® logo (collectively the “Card Associations”) including credit, or debit cards. We will only process card transactions that are authorized by the applicable Card Association or card issuer. V2S does not guarantee or assume any liability for transactions authorized and completed which may later be reversed or charged back (see Chargebacks below). You are solely responsible for all refunded, reversed or Chargeback transactions, including any applicable fees, regardless of the reason for, or timing of, the refund, reversal or chargeback. V2S may add or remove one or more types of cards as supported payment cards at any time without prior notice to you due to any circumstance beyond our control.

5. Client Processing of Transaction as Directed by Supporter. If you are asked to and authorized by a supporter to input and transmit a payment transaction on a supporter’s behalf, you are responsible for verifying the identity of the supporter and the eligibility of the presented payment card or other personal information required to complete the payment transaction. V2S will use reasonable and commercially available techniques to attempt to validate payment information provided prior to attempting the transaction.

6. Other Payment Methods. V2S also supports non-card payment processing services including Automated Clearing House (ACH) transactions and Check Scanning. V2S will only settle ACH transactions and/or checks that have been processed and authorized by your supporter’s identified Bank. V2S does not guarantee or assume any liability for transactions authorized and completed which may later be reversed, returned or charged back (see Chargebacks below). You are solely responsible for all reversed, returned or Chargeback transactions, including any applicable fees, regardless of the reason for, or timing of, the reversal, return or chargeback. V2S may add or remove one or more types of non-card payment processing services at any time without prior notice to you due to any circumstance beyond our control.

7. Trusted Client Authentication of Supporter Identity. You must either use Vision2Systems provided authentication mechanism or you must use an OpenId or SAML based authentication mechanism that is not provided by V2S. If you choose to provide your own authentication mechanism using our Software as a Service, you are also responsible for ensuring: (i) authentication of each supporter’s identity and password upon entry to your website, (ii) your supporter’s passwords and password complexity remain compliant with this Agreement and applicable PCI and Card Associations’ and ACH Association data security rules, requirements and standards[2], and (iii) that your organization has established and maintains appropriate policy, procedures, operational accountability and responsibility for ensuring the security of supporter’s identity and passwords up to the point of transmission to V2S.In any case that you fail to perform these obligations and any and all supporters’ identities are compromised, you agree to: (i) notify V2S immediately, and (2) indemnify Visions2Systems from any and all claims, losses, liabilities and expenses including attorney’s fees or costs that result directly or indirectly from you failure to perform these obligations.

8. Our PCI and ACH Data Security Compliance Responsibilities. We are responsible for the security of your Card Payment Data (defined as cardholder’s name and address, account number, expiration date, and CVV2) and/or supporter’s and ACH Payment Data (defined as bank account number and bank routing number) from the point of a payment transaction’s submission to V2S payments system for processing via: (i) V2S embedded giving widget online, (ii) V2S Give2 Mobile or V2S White Label Mobile; (iii) or an offline submission via checks scanned, a PIN/POI device, i.e. swiped and/or PIN card transaction as applicable.

9. Your PCI and ACH Data Security Compliance Responsibilities. You are responsible for data security compliance in accordance with PCI, Card Associations’ and ACH Association’s data security compliance standards and rules for any Card Payment Data or ACH Payment Data that comes into your possession. If at any time a supporter provides you their Card or ACH Payment Data to initiate a payment transaction on their behalf, you are responsible for that data’s security until such time as you submit the transaction to V2S for processing and you destroy the data provided to you in a manner that renders it unusable. You shall not use the Card or ACH Payment Data provided by your supporter for any purpose other than to support the giving or other transaction they directed. If you receive information about your supporters, including Cardholders, through the use of our Services, you must keep such information confidential and only use it in connection with our Services. You may not disclose or distribute any such information to a third party or use any such information for marketing purposes unless you receive the express consent of your supporter to do so. You may not disclose card information to any third party, other than in connection with processing a card transaction requested by your customer under the Service and in a manner consistent with PCI DSS and applicable law.

10. PCI PTS (PIN Transaction Security) and POI (Point of Interaction) Modular Security Requirements. As applicable, you shall ensure that any terminal, scanner, mobile dongle or similar device that you connect to V2S for the purposes of initiating payment transactions, is certified as PCI compliant with PCI PTS (PIN Transaction Security) POI (Point of Interaction) Modular Security Requirements [3], as applicable.

11. Recurring Payments: We will obtain your supporter’s consent to be billed on a recurring basis in compliance with applicable legal requirements and Association rules upon their submission of the transaction to us for processing. However, if a supporter requests and authorizes you to enter a recurring transaction and you input and submit their request for recurring payments to us on their behalf, you are responsible for obtaining the supporter’s consent for recurrent billing and retention of documentation related to that request.

12. IRS Tax Reporting. The Internal Revenue Service (IRS) requires that third party settlement organizations file an information return with the IRS for each calendar year. The reporting includes all payment card transactions and third party network transactions with Clients occurring in that calendar year. You acknowledge that we may report to the Internal Revenue Service the total amount of the payments you receive each calendar year if you: (i) receive more than $20,000 in gross card transactions, and/or (ii) receive more than 200 card payment transactions, in that calendar year. Should any taxing authority deem taxes are due for services, and or payments you receive, you agree to indemnify us with respect to any taxes and/or penalties assessed on us by any taxing authority as a result of these transactions.

13. Restricted Use. You are required to obey all laws, rules, and regulations (Legal Requirements) applicable to your use of the Services, including but not limited to those governing financial services, consumer protections, deceptive trade practices, unfair competition, anti-discrimination, and
false advertising. In addition, you may not: (i) utilize the credit available on any Card or other payment transaction to provide cash advances to Cardholders; (ii) submit any card or other payment transaction for processing that does not arise from your supporters’ giving for charitable purposes;
(iii) act as a payment intermediary or aggregator or otherwise resell the Services on behalf of any third party; (iv) send what you believe to be a potentially fraudulent authorization or fraudulent payment transaction; (v) use your Services Account in a manner that Visa®, MasterCard®, or other
Card Association reasonably believes to be an abuse or violation of the Card Associations’ Rules; or (vi) use your Services Account in a manner that our payment processor or other financial institution reasonably believes to be an abuse or violation of rules and regulations governing those
institutions.

14. Suspicion of Unauthorized or Illegal Use. We may decide not to authorize or settle any transaction you submit which we believe is in violation of this Agreement, any other V2S agreements, or exposes you, other users, or processors of V2S payment transactions to harm, including fraud and/or other criminal acts. In the event that a supporter notifies their card issuer or their bank, in the case of ACH, of a fraudulent transaction processed by V2S, or we otherwise are notified by card issuer or bank of a potential fraudulent transaction processed through our systems, V2S will lock the applicable account(s) for any further transaction activity and notification you for communication of that action to your supporter. The account will remain locked, until such time as you provide V2S with a signed, written request from the supporter asking the account be re-activated. You grant us authorization to share information with law enforcement about you, your transactions, or your Services Account if we reasonably suspect that your Services Account has been used for an unauthorized, illegal, and/or criminal or other prohibited purpose. Additionally, we reserve the right to suspend your organization or any user during our or others investigation of such activity and to terminate this agreement in its entirety if V2S reasonably determines that your Services Account was used for any unauthorized, illegal, and/or criminal purpose that is determined to be systemic to your organization.

15. Our Right to Investigate. If we reasonably believe that a security breach and/or compromise of data has occurred in connection with your Services Account and the compromise was specific to your location and/or website, V2S reserves the right to investigate and depending on the severity of the breach, require you, at your own expense, to have an independent investigation conducted of your systems and facilities on which and where payment processing and related activities are conducted. The investigation must include forensics analysis performed by a certified forensics vendor acceptable to both us and the Card Association, as applicable. Forensic analysis must be conducted in compliance with Card Association standardsin regard to any Card or Card transaction data. Upon completion of an investigation and/or audit, a report will be completed. You will have an opportunity to review and respond to any and all findings. A copy of the report, including your response will be provided to V2S (if completed by a third party). Remediation of findings will be based on the severity of audit findings reported and your response to those audit findings. V2S also reserves the right in its sole discretion to: (i) make final determinations as to any and all remediation required; (ii) audit for completion of remediation required; (iii) suspend Service to your organization during the audit pending satisfactory completion of required remediation; or (iv) terminate this Agreement in its entirety. V2S will further forward the final report, as may be required, to applicable banks, and/or Card and ACH Associations.

16.   Card and ACH Association Rules and Guidelines.  The Card Associations and the Electronic Payments Association (in regard to ACH transactions), have established guidelines, bylaws, rules, and regulations (Card Association Rules and ACH Rules).  You must comply with all applicable Card Association and ACH Rules.   You can review portions of Card Association Rules and/or Guidelines (for Merchants) at official Card Association websites and at the Electronic Payments Association (NACHA) website.  The Associations reserve the right to amend Association Rules.  V2S reserves the right to amend this Agreement as necessary to comply with Association Rules at any time.  We will attempt to publish pending changes to Association Rules 30 days in advance of effective date by any or all Associations, unless a required effective date does not allow for advance notice.

17. Your V2S Services Account. V2S Services Accounts are available only to those charitable organizations that are based and operated in the 50 United States of America and the District of Columbia for the purpose of facilitating their supporters’ charitable giving activities. By applying for a Services Account, you confirm that your Principal is either a legal permanent resident of the United States or a United States citizen and that your organization, if applicable, complies with Internal Revenue Code as to non-profit status and is authorized to operate and/or conduct business by the state in which it operates. Your Services Account may not be used for the purpose of accepting other types of payments, including those for personal, family, household purposes and/or cash advances, or payments made that inure to the individual benefit of any director, elder or Principal, e.g. chief officer, managing member, general partner, managing member, manager or other individual with authority to act on behalf of your organization. You may choose to apply for a Services Account either as a church or a not-for-profit organization. We accept applications from Not for Profit organizations as defined under applicable Internal Revenue Code (26 U.S.C. §501(c), et. seq.). Sole proprietors are not eligible for a Services Account. You may not export the Services directly or indirectly, and you acknowledge that the Services may be subject to export restrictions imposed by U.S. law, including U.S. Export Administration Regulations (15 C.F.R. Chapter VII). You may accept most foreign cards issued as long as they are processed in the United States and settle in U.S. Dollars.

18. Underwriting Your Request for a Services Account. Upon acceptance of your registration, you will be asked for basic information including your name, name of your organization, location, email address, tax identification number (if appropriate), and phone number. If you have not already done so, you will also be required to provide an email address and password for your Services Account. By accepting the terms of this Agreement, you are authorizing us to retrieve information about you and your organization and its mission by using third parties, including credit bureaus and other information providers. You acknowledge that information retrieved may include your and your organization’s name, address history, credit history, identity verifying information and other data. You agree to provide other information upon request, including processing statement summaries, a business license as required by the state in which you operate and/or financial statements. We may request and you agree to grant your permission to us to conduct a physical visit and inspection at your organization’s site. V2S may periodically update this information to determine whether you and your organization continue to meet the eligibility requirements for a Services Account. You agree that V2S is permitted to collect and share information about you, your organization and your application for services (including whether you are approved or declined), and your Services Account with our payment processor, Wells Fargo, and Card Associations as their rules and regulations require. This includes sharing information (i) about your transactions for regulatory or compliance purposes; (ii) for use in connection with the management and maintenance of the program; (iii) to create and update their client records about you and to assist them in better serving you; and (iv) to conduct V2S risk management processes. Information sharing is solely for the purposes and requirements of this Software and Service and will not be shared or resold for marketing purposes. We and/or payment processor reserve the right at any time, in our sole discretion, to require a personal guarantee by a Principal or Principals of your organization in the event that risk related to your Services Account increases, e.g. due to chargeback performance, deteriorating financial condition, or other, and risk is not otherwise offset by a Reserve or other means agreed.

19. Your Site URL. As part of your application, you must provide your site URL, e.g. www mynotforprofit.com, and the name under which you do business (which may be the business’s legal name or a “doing business name”, e.g. MyNPOnlineWidgets.

20. Notice of Client Organization Changes. You agree to notify V2S, of any changes within no more than 30 days following a change, including any change to your entity information or in regard to the Principal authorized to operate and conduct business on its behalf in the state in which it operates, and/or other organization information provided to establish your Services Account. We may require additional information to validate changes.

21. Prohibited Businesses, Industries, and Activities. By applying for a Services Account, you are confirming that you will not accept payments in connection with any of the following businesses, industries or business activities or practices: (1)All sexually oriented or pornographic activities , (1)Aggregators (third party payment processors),(2) Air Lines, (3) Cruise Lines,(4) Any illegal products or service or product providing peripheral support of illegal activities; (5) Auction Houses; (6) bail bondsman, (7) Cellular phone or beeper services, (8) Chain Letters, (9) Charities which do not meet V2S underwriting criteria for acceptance, (10) Check Cashing; (11) Collection Agencies, or firms involved in recovering/collecting past due receivables, (12) Credit repair, (13) Credit Card Protection or Identity Theft Services; (14) Currency Exchanges; (15)Drug paraphernalia (16) Extended Warranty Companies, (17) Flea Markets (with no lease and phone availability) (Virtual Wireless terminal considered High Risk), (18) Fortune Tellers, (19) Get Rich Quick Schemes, (20) Health Membership Clubs (Extended Memberships), (21) Import/Export (Mag Stripe or MOTO) (22) Investment Programs/Opportunities; (23) Internet Pharmacies, (24) Lotteries, Gambling, contests or sweepstakes; (25) Sports forecasting or odds making, (26) Mortgage Reduction Services, (27) Taxi/Limousine (singletons)/Virtual terminal considered very high risk, (28) Pseudo Pharmaceuticals (anti-aging, sex nutrients), (29) Prepaid Cards/quasi cash, (30) Real Estate Seminars, (31)Shippers/forwarding brokers, (32) Timeshare, (33) Travel Agents/Tour Operators/Travel Clubs, (34) Organizations involved in Door to Door Sales, (35) Pyramid or multi-level marketing distribution, (36)Third Party Order Fulfillment, (37) Merchants engaged in outbound telemarketing, (38) Infomercial merchants or other inbound telemarketers engaged in upsell, (39) Organizations offering rebates or special incentives, (40) weapons and munitions, (41) personal computer technical support, and/or (42) predatory products or services. By accepting this Agreement you confirm that you do and will continue to satisfy these requirements. (Refer to our Acceptable Use Policy, incorporated herein by reference for further detail on prohibited businesses).

22. Processing Card Transactions. You agree that you will honor all eligible cards presented for payment by your supporters for purposes of giving for charitable purposes in accordance with Card Associations’ rules, this Agreement and any operating guides that we may provide you from time to time. You acknowledge that an affirmative authorization from us or a Card Association does not mean that a particular card transaction will not be subject to Chargeback, Reversal, or Claim at a later date.

23. Imposing Fees and Surcharges. You agree not to impose any fee or surcharge on a customer that seeks to use an eligible payment card or ACH as a payment method.

24. Association Marks. You agree to display all Associations’ marks in accordance with the rules and procedures of the applicable Associations, and will use such marks only to indicate that you accept their cards for payment.

25. Processing ACH Transactions. All eligible ACH transactions presented for payment by your supporters will be honored for the purpose of charitable giving in accordance with the National Automated Clearing House Association – Electronic Payments Association® Rules (NACHA Rules), this Agreement and any operating guides that we may provide you from time to time. You acknowledge that the existence of an affirmative authorization from us does not mean that a particular ACH transaction will not be subject to Reversal, Chargeback or Claim at a later date. You agree not to impose any fee or surcharge on a supporter that seeks to use ACH as a payment method. If you receive a written authorization to input an ACH payment request on a supporter’s behalf, you are solely responsible for verifying the identity of the supporter providing the authorization you are required to retain records, original, copy or electronic copy, of supporter’s authorization for a period of two (2) years.

26. Processing Check Scanning Transactions. You are solely responsible for verifying the identity of each supporter who writes and gives you a paper check for giving purposes. You agree to promptly complete data entry required and retain the checks in a secure location, until accepted (generally 3 – 7 days). In the event there is an issue with a check that was scanned, you will be required to re-scan the original item. Once the check is accepted you must destroy the paper check in such a manner that all personal information is no longer usable. Once a check is scanned it may not be re-deposited. Check images will be made available to you. You are responsible for any returned checks and any associated fees. On scanning, all eligible checks will be converted to ACH for deposit and disbursement from our Settlement Account. You are solely responsible for informing your supporters that their checks may be converted to an ACH on deposit, in accordance with NACHA rules for Back Office Conversion of eligible checks to ACH (BOC)[5]. For those checks ineligible for ACH conversion, generally cashiers’ and commercial checks, an account (Sub-Settlement Account) will be established on your behalf and for your benefit beneath our Vision2 Settlement Account that will bear your Federal Tax ID, for purposes of depositing scanned checks that are not eligible for ACH conversion. You acknowledge that you are not entitled to any interest or other compensation associated with the Sub-Settlement Account, have no right to direct the Sub-Settlement Account, nor may you assign any interest in the V2S Settlement Account.

27. Service Fees. You agree to pay the fees assessed by us to you for providing the payment services described in this Agreement. These fees will be calculated pursuant to the current V2S Services Rate/Fee Schedule.. We reserve the right to revise our Fees at any time, subject to a 30 (thirty) day notice period to you, except in those cases where such changes are mandated by our payment processor, card associations, and/or other sources that are outside of our control. You acknowledge that you are responsible for any penalties or fines imposed on V2S or directly to you by any Network or financial institution, as a result of your activities.

28. Settlement Funding and Transaction History. We will pay out settlement funds to your Deposit Account in the amounts actually received less our Service Fees for payment transactions submitted to our Service. The payouts will be made to your Deposit Account provided for this purpose. Your Deposit Account must be an account located at a bank in the United States and held in the name of your organization. You are responsible for the accuracy and correctness of information regarding your Deposit Account. Funds for any given transaction will not be transferred to your Deposit Account until the transaction is deemed complete. Transactions will be deemed complete when we have received funds settling a transaction from the Card Networks, and/or financial institutions as related to ACH and Check Scanning, and when we, or processing financial institutions, have accepted such funds. The actual timing of transfers of settlement funds to your Deposit Account will be subject to the Payout Schedule as defined below. After each payout of settlement funds to your Deposit Account, we will update information in your Services Account to reflect settlement. Information regarding your card transactions processed and settled using V2S (“Transaction History”) is available to you when you login to your Services Account. We provide a minimum of one (1) year of Transaction History on our website. Except as required by law, you are solely responsible for compiling and retaining permanent records of all transactions and other data associated with your Services Account, your Transaction History, and your use of our Payment Services.

29. Payout Schedule. Payout Schedule (Exhibit 2), incorporated herein by reference, refers to the time it takes from the point of our receipt of settlement funds (for completed transactions) and initiating transfer of settlement funds to your Deposit Account, to the point of funds being credited to your Deposit Account. Following daily review of your Services Account, we will initiate transfer of settlement funds (net Fees, Chargebacks, and other funds owed to us for any reason) in accordance with the Payout Schedule. The terms of the Payout Schedule are available to you when you login to your Services Account. Settlement funds will generally be credited to your Deposit Account within 1-2 business days of our initiating payout. We are not responsible for any action taken by the institution holding your Deposit Account that may result in some or all of the funds not being credited to your Deposit Account or not being made available to you in your Deposit Account. You may contact us to inquire about changing the timing of your Payout Schedule. Upon submitting a request, you will be informed of our process and requirements for reviewing your Payout Schedule. V2S and/or Wells Fargo reserve the right to change the Payout Schedule or suspend payouts to your Deposit Account should we determine it is necessary due to pending disputes, excessive or anticipated excessive Chargebacks or refunds, or other suspicious activity associated with your use of our Service or if required by law or court order.

30. Reconciliations and Errors. Your transaction history will be available to you when you login to your Services Account. Our Software Services will reconcile transactions processed through our online payment services and enable you to reconcile offline transactions not processed through our payment services. You agree to assist in resolution of any discrepancies arising from reconciliation and verification. We will investigate any reported discrepancies and attempt to rectify any errors that you or we discover. In the event you are owed money as a result of a discrepancy, we will transfer funds to your Deposit Account in the next scheduled payout. Your failure to notify us of an error or discrepancy in your Transaction History within sixty (60) days of when it first appears in your Services Account will be deemed a waiver of any right to amounts owed to you in connection with any such error or discrepancy in processing your card payments. You are responsible for reconciling and resolving errors for those transactions that are not processed through our Payment Services, but are posted by you in our Software for management purposes. If you submit or cause us to process transactions erroneously, you agree to contact us immediately. V2S will only correct transactions that you process incorrectly if and when you notify us of such an error. Your failure to notify us of a processing error within thirty (30) days of when it first appears on your electronic Transaction History will be deemed a waiver of any right to amounts owed to you.

31.    Cancellations.  By accepting these terms of service, you agree to submit any and all cancellations and adjustments for cancellations through our Payment Services to the Cardholder’s card or to the supporter’s Deposit Account in the case of an ACH or Check Scanning transaction, in accordance with the terms of this Agreement, applicable Card Association and NACHA Rules. You also agree to: (i) maintain a fair gift cancellation or adjustment policy; (ii) prominently display your contact information on your website for supporters’ use regarding inquiries about or cancellation of their gift transactions; (iii) not give cash refunds to a supporter in connection with V2S processed giving, unless required by law; and (iv) not accept cash or any other item of value for preparing a Giving refund. Full refunds must be for the exact dollar amount of the original transaction including tax, handling charges, and other fees and/or charges.  The refund amount may not exceed the original gift amount. Refunds processed though V2S Services must be submitted within sixty (60) days of the original transaction but in all cases, within three (3) days of approving the Cardholder refund.  For processed refunds, if funds required are not available from settlement funds owed to you, V2S will deduct the refund amount (including any applicable Fees) from: (i) settlement funds owed to you from processing of other card transactions; or (ii) funds in any Reserve Account, if applicable. If these funds are not sufficient, you authorize V2S to initiate an ACH debit entry to your Deposit Account in the amount necessary to complete the refund transaction to the Cardholder’s card or to the supporter’s Deposit Account in the case of an ACH transaction in accordance with the terms of this Agreement and applicable Card Association and NACHA Rules.  In the event you process a refund for an ACH transaction for which the supporter has already requested their financial institution to stop payment and your processing of the refund results in a deposit in the amount of the refund to the supporter’s Deposit Account, you are financially responsible for recovery of those funds and remittance to V2S within 30 calendar days, or V2S will debit your pending settlements and/or or Deposit Account in the amount of the refund and any resulting fees. In the event V2S cannot access your Deposit Account by means of an ACH debit entry to collect funds owed, you agree to pay all funds owed to V2S upon demand.  You are solely responsible for accepting and processing of returns.

32. Chargebacks. A Chargeback is typically caused due to: (i) client disputes; (ii) unauthorized or improperly authorized transactions; (iii) transactions that do not comply with Network Rules or the terms of this Agreement or are allegedly unlawful or suspicious; or (iv) any reversals for any reason by the Network, our processor or acquiring bank, the Cardholder bank, or the bank on which ACH or Check Scanning transaction is drawn. If we reasonably believe that a Chargeback is likely with respect to any transaction, we may withhold the amount of the potential Chargeback from payments otherwise due to you under this Agreement until such time that: (i) a Chargeback is assessed due to a supporter’s complaint, in which case we will retain the funds; (ii) the period of time under applicable law or regulation by which the supporter may dispute that the transaction has expired; and/or we determine that a Chargeback on the transaction will not occur. When a Chargeback is issued, you are immediately liable to us for the full amount of payment of the Chargeback plus any associated fees, fines, expenses or penalties (including those assessed by the Networks or our payment processor). You agree that V2S may recover these amounts by means of an ACH debit of your Deposit Account associated with your Services Account, by debiting your Reserve Account (if applicable), or offsetting any amounts owed to you by us. If we are unable to recover funds related to a Chargeback for which you are liable, you agree to pay us the full amount of the Chargeback immediately upon demand. You agree to pay all costs and expenses, including without limitation attorney fees and/or costs and/or other legal expenses, incurred by or on behalf of us in connection with the collection of any Chargebacks unpaid by you.

33. Contesting Chargebacks. Either you or V2S may elect to contest Chargebacks assessed to your account. We may provide you with assistance including notifications and Software to help contest your Chargebacks. We do not assume any liability for our role or assistance in contesting Chargebacks. You agree to provide us with necessary information on request in a timely manner and at your expense to assist in an investigation to resolve any Chargeback. You also grant us permission to share records or other information required with the Cardholder, the Cardholder’s financial institution, and your financial institution to help resolve any disputes. You acknowledge that your failure to provide us with complete and accurate information in a timely manner may result in an irreversible Chargeback being assessed. If the Cardholder’s issuing bank or the Network does not resolve a dispute in your favor, we may recover the Chargeback amount and any associated fees from you as described in this Agreement. We reserve the right, upon notice to you, to charge a fee for mediating or investigating Chargeback disputes.

34. Excessive Chargebacks. If V2S, the Card Associations, or our payment processor determine at any time that you are incurring excessive Chargebacks, additional fees, penalties, fines, and/or additional controls or restrictions may be imposed upon your use of our Payment Services, upon your receipt of notice from us. Actions may include: (i) changes to the terms of your Reserve Account, or establishment of a Reserve Account if one was not initially required; (ii) increases to your applicable Fees; (iii) delays in your Payout Schedule; and/or (iv) possible suspension or termination of your Services Account and Services. The Networks may also place additional controls or restrictions as part of their own monitoring programs for merchants with excessive Chargebacks.

35. Our Set-Off Rights. To the extent permitted by law, V2S and/or Wells Fargo may collect any obligations you owe us under this Agreement by deducting the corresponding amounts from your Reserve Account, as applicable, or from funds payable to you arising from the settlement of payment transactions. Fees will be assessed at the time a transaction is processed and will be first deducted from the funds received for such transactions. If the settlement amounts or Reserve Account are not sufficient to meet your obligations to us and/or Wells Fargo, we may charge or debit your Deposit Account or credit card registered in your Services Account for any amounts owed to us. Your failure to fully pay amounts that you owe us on demand is a breach of this Agreement and may result in immediate suspension or termination of this Agreement. You are liable for our costs associated with collection of unpaid amounts in addition to the amount owed, including without limitation attorney fees and/or costs and/or expenses, costs of any arbitration or court proceeding, collection agency fees, and any applicable interest. Additionally, we may, at our sole discretion, require a personal guaranty from a Principal of the organization for funds owed under this Agreement.

36. Reserve. At any time and/or from time to time we may temporarily suspend or delay payments to you, and/or designate an amount of funds that we must maintain in our Settlement Account on your behalf or in a separate Reserve Account to secure the performance of your payment obligations under this Agreement. Our payment processor is the only party that may authorize transactions on your Reserve Account. The Reserve, if required, will be an amount determined by us or our payment processor in our sole discretion to cover anticipated Chargebacks, refunds, or credit risk based on your processing history. V2S in its sole discretion may change the terms of your Reserve Account at any time based on your payment processing history and/or capacity to perform as required under this Agreement or as requested by our payment processor. The Reserve shall be funded within seven (7) days of notice, unless the notice is requiring an increase in your reserve and the increase is greater than 50% of the existing reserve, then, you will be given fourteen (14) days to fund the increase in Reserve. V2S may agree to funding of your initial Reserve by means of: (i) providing a deposit for the full amount of the reserve required, (ii) providing a portion of the reserve required, as determined solely by V2S and/or our processor, and the remaining balance of the reserve debited from any funds due to you for payment transactions submitted to the Services until the full reserve amount required is on deposit. In the event of termination of your Services Account, once all outstanding transactions are settled, V2S will release a portion of the remaining Reserve on a monthly basis, based upon the remaining potential risk as determined solely by V2S and/or our processor. A portion of your Reserve (after all transactions are settled) will be retained for a period of no less than 10 months. If termination was for cause, Vision2Systems and / or our payment processor reserve the right to extend the period that the Reserve is held.

37. Security Interest in Reserve Account. In the event a Reserve is required, you grant V2S and/or Payment Processor a lien and security interest in your Reserve Account, all payment transactions (including future Card, ACH and Check Scanning transactions), any rights to receive credits or payments under this Agreement, and all deposits and other property of yours possessed or maintained by us on your behalf. You also agree to authorize our payment processor, to debit your Reserve, if applicable, upon review and approval of a valid request from V2S. You agree to execute, deliver, and pay the fees for any documents we and/or Wells Fargo request to create, perfect, maintain, and enforce this security interest.

38. Payment Network Disclosure. See Payment Network Disclosure, incorporated herein by reference. Full signature acknowledgement of this disclosure is required, in addition to signed acceptance of terms and conditions of Agreement. V2S is responsible for providing you AMEX guidelines with which you must comply.

Part Three | Other Legal Terms and Conditions Applicable to Agreement

1. Term. This Agreement is effective upon the date you agree, by signing the Agreement, or electronically indicating acceptance, and continues so long as you use our Services and remain in good standing; or (i) until such time as the Agreement is terminated by you; or (ii) V2S and/or Wells Fargo terminate your Payment Services in their entirety upon written notice., in which case your continued use of other V2S Services remains subject to provisions of Part One, Software as a Service Terms and Conditions.

2. Termination. You may terminate this Agreement by closing your Services Account at any time for any reason by following the instructions on our website in your Account Profile. We may terminate this Agreement in its entirety and close your Services Account at any time for any reason upon providing you written notice of termination effective as of the date of notification of our intent to terminate. We may suspend your Services Account and your access to the Services and any funds in your Deposit Account, or terminate this Agreement if: (i) we determine in our sole discretion that you are ineligible for the Services due to risk associated with your Services Account, including without limitation, significant credit or fraud risk, patterns of excessive chargebacks or unauthorized transactions, or any other reason, (ii) you do not comply with any of the provisions of this Agreement ; and/or (iii) Wells Fargo, a card association, or card issuer, or legal or law enforcement action requires termination.

3. Effects of Payment Services Termination. Upon notice to you of termination of your Payment Services, we will immediately discontinue your access to Payment Services. You agree to complete all pending transactions, immediately remove and discontinue use of all logos, marks and references related to Associations, and stop accepting new transactions through our Payment Services. You will not be refunded the remainder of any fees that you have paid for the Services if your access to or use of the Services is terminated or suspended. Any funds in our custody will be paid out to you subject to the terms set forth in this Agreement. Termination does not relieve you of your obligations as defined in this Agreement and V2S may elect to continue to hold any funds deemed necessary pending resolution of any other terms or obligations defined in this Agreement, including but not limited to Chargebacks, Fees, Refunds, or other investigations or proceedings. Upon termination you agree to: (i) immediately cease your use of Payment Services; (ii) immediately discontinue use of any V2S trademarks and remove any V2S references and logos from your Site; (iii) continue to be bound by this Agreement. We will not be liable to you for compensation, reimbursement, or damages in connection with your use of the Services, or any termination or suspension of the Services or deletion of your information or account data. We reserve the right to retain customer data for a period sufficient to resolve chargebacks and or other disputes. Part One: Software as a Service Terms and Conditions will prevail in regard to use of V2S Services other than payments, including migration of data to another service provider, data deletion, responsibility or liability regarding your customer or organization data security or privacy and other effects of Payment Services termination.

4. Payments Liability. You are responsible for all Reversals, Chargebacks, Claims, fines, fees, penalties, and other liability arising out of or relating to your breach of this Agreement, and/or our use of the Services to process transactions on your behalf. You agree upon notice to you by us and/or Wells Fargo that you will to reimburse your supporter, V2S, Wells Fargo and any other third party designated by V2S or Wells Fargo for any and all such liability. The following are brief definitions of key terms: (i) “Chargeback” is a request that a supporter files directly with his or her card company or card issuing bank to invalidate a processed payment; (ii)”Claim” is a challenge to a payment that you or your supporter files directly with V2S. (iii) “Reversal” means V2S reverses the settlement of funds from a processed transaction that you received because either the transaction was invalidated by the card issuer or other financial institution or the settlement funds were sent to you in error by either V2S or Wells Fargo; the processors, suppliers or licensors of V2S or Wells Fargo; or any of the respective affiliates, agents, directors, and employees of any of the entities listed in (1) or (2) above; the sender of the payment did not have authorization to send the payment (for example: the buyer used a card that did not belong to the buyer; a check was forged); you received the payment for activities that violated this Agreement or any other V2S agreement. V2S will have final decision-making authority with respect to Claims filed with V2S, our payment processor and/or a Card Association by you or your supporter, including any supporter disputed transactions that you are unable to resolve within 30 days upon notice, or as otherwise mandated if outside of our control. You agree to reimburse V2S for your liability. Your liability will include the full amount of the transaction and any associated fees or penalties. You will not receive a refund of any fees paid to V2S. Without limiting the foregoing, you agree to defend, indemnify, and hold harmless V2S, Wells Fargo and their respective employees and agents (collectively “Disclaiming Entities”) from and against any claim, suit, demand, loss, liability, damage, action, or proceeding arising out of or relating to: (i) your breach of any provision of Payment Services Terms and Conditions and/or other Terms and Conditions of their Agreement ; (ii) your use of our Payment Services, including without limitation any reversals, Chargebacks, Claims, fines, fees, penalties and attorney fees; (iii) your, or your employee’s or agent’s, negligence or willful misconduct; and/or (iv) third party indemnity obligations we incur as a direct or indirect result of your acts or omissions (including indemnification of any Organization or Issuer). If you are liable for any amounts owed to V2S and funds being held on your behalf in our Settlement Account are either not available or insufficient, V2S may request that Wells Fargo deduct the amounts owed to V2S. If you do not have sufficient funds in the Reserve, if applicable, to cover your liability, you will be required to add additional funds to your Reserve within 7 days, or we may debit your Deposit Account or credit card. If you do not deposit funds within 7 days, or funds are not otherwise paid or made available, V2S may engage in collections efforts to recover such amounts from you at your cost and expense.

5. Representations and Warranties. You represent and warrant to us that the signor of this Agreement is at least eighteen (18) years of age; and is: (i) is authorized to bind you to this Agreement and apply for a Services Account on your behalf, which includes use of the Services, and has the right, power, and ability to enter into and perform under this Agreement; (ii) the organization name identified by you when you registered is the same organization name under which you process charitable transactions; (iii) any transaction submitted by you will represent a bona fide authorization to give funds to your organization; (iv) you will fulfill all of your obligations to each supporter for which you submit a transaction and will resolve any consumer dispute or complaint directly with your supporter; (v) you and all transactions initiated by you will comply with all federal, state, and local laws, rules, and regulations applicable to your business, including any applicable tax laws and regulations; (vi) except in the ordinary course of business, transactions submitted by your organization through the Services will not inure to the individual benefit of any director, elder, Principal, or officer, of your organization; and (vii) you will not use the Services, directly or indirectly, for any fraudulent undertaking, or other unacceptable use or in any manner so as to interfere with the use of the Services. Refer to our Acceptable Use Policy (Exhibit 3), incorporated herein by reference.

6. No Warranties. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, USE OF THE SERVICES IS AT YOUR OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF TIILE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM OR THROUGH THE SERVICES OR FROM: (I) V2S OR WELLS FARGO N.A.; (II) THE PROCESSORS, SUPPLIERS OR LICENSORS OF V2S OR WELLS FARGO N.A.; OR (III) ANY OF THE RESPECTIVE AFFILIATES, AGENTS, DIRECTORS AND EMPLOYEES OF ANY OF THE ENTITIES LISTED IN (I) OR (II) ABOVE (COLLECTIVELY, THE “DISCLAIMING ENTITIES” AND INDIVIDUALLY A “DISCLAIMING ENTITY”) WILL CREATE ANY EXPRESS OR IMPLIED WARRANTY NOT EXPRESSLY STATED HEREIN. WITHOUT LIMITING THE FOREGOING, THE DISCLAIMING ENTITIES DO NOT WARRANT: (I) THAT THE INFORMATION THEY PROVIDE OR THAT IS PROVIDED THROUGH THE SERVICES IS ACCURATE, RELIABLE OR CORRECT; (II) THAT THE SERVICES WILL MEET YOUR REQUIREMENTS; (III) THAT THE SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; (IV) THAT THE SERVICES WILL FUNCTION IN AN UNINTERRUPTED MANNER OR BE SECURE; (V) THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR (VI) THAT THE SERVICES IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY SUBJECT MATTER DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DOWNLOADED AT YOUR OWN RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD. THE DISCLAIMING ENTITIES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT HOW LONG WILL BE NEEDED TO COMPLETE THE PROCESSING OF A TRANSACTION.THE DISCLAIMING ENTITIES DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES OR ANY HYPERLINKED WEBSITE OR SERVICE, OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND NEITHER V2S NOR WELLS FARGO N.A. WILL BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.

7. Limitation of Liability and Damages. IN NO EVENT SHALL A DISCLAIMING ENTITY (AS DEFINED ABOVE) BE LIABLE FOR ANY LOST PROFITS, LOSS OF DATA, OR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES ARISING OUT OF, IN CONNECTION WITH OR RELATING TO THIS AGREEMENT OR THE SERVICES, INCLUDING WITHOUT LIMITATION THE USE OF, INABILITY TO USE, OR UNAVAILABILITY OF THE SERVICES. UNDER NO CIRCUMSTANCES WILL ANY OF THE DISCLAIMING ENTITIES (AS DEFINED ABOVE) BE RESPONSIBLE FOR ANY DAMAGE, LOSS OR INJURY RESULTING FROM HACKING, TAMPERING OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICES OR YOUR SERVICES ACCOUNT OR THE INFORMATION CONTAINED THEREIN.THE DISCLAIMING ENTITIES ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY: (I) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO OR USE OF THE SERVICES; (II) ANY UNAUTHORIZED ACCESS TO OR USE OF SERVERS USED IN CONNECTION WITH OUR SERVICES AND/OR ANY AND ALL PERSONAL INFORMATION STORED THEREIN; (II) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES; (III) ANY SOFTWARE BUGS, VIRUSES, TROJAN HORSES, OR OTHER HARMFUL CODE THAT MAY BE TRANSMITTED TO OR THROUGH THE SERVICES; (IV) ANY ERRORS, INACCURACIES OR OMISSIONS IN ANY CONTENT OR INFORMATION, FOR ANY LOSS OR DAMAGE INCURRED AS A RESULT OF THE USE OF ANY CONTENT OR INFORMATION, IN EACH CASE POSTED, EMAILED, STORED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE THROUGH THE SERVICES; OR (V) USER CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY.WITHOUT LIMITING THE FOREGOING PROVISIONS OF THIS ARTICLE SECTION, THE DISCLAIMING ENTITIES’ CUMULATIVE LIABILITY TO YOU SHALL BE LIMITED TO DIRECT DAMAGES AND IN ALL EVENTS SHALL NOT EXCEED IN THE AGGREGATE THE AMOUNT OF FEES PAID BY YOU TO V2S DURING THE THREE (3) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM FOR LIABILITY. THIS LIMITATION OF LIABILITY ARTICLE SECTION APPLIES REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED, INCLUDING WITHOUT LIMITATION CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER BASIS. THE LIMITATIONS APPLY EVEN IF V2S OR WELLS FARGO N.A. HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. THE PROVISIONS OF THIS SECTION SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

8. Control and Operation of Our Facility. The Services are controlled and operated from our facilities within the fifty United States. V2S makes no representations that the Services are appropriate or available for use in other locations outside the continental United States. Those who access or use the Services from other jurisdictions do so at their own volition and are entirely responsible for compliance with all applicable United States laws and regulations, foreign and local laws and regulations, including but not limited to export and import regulations. You may not use the Services if you are a resident of a country embargoed by the United States, or are a foreign person or entity blocked or denied by the United States government. Unless otherwise explicitly stated, all materials found on the Services are solely directed to individuals, companies, or other entities located in the United States.

9. Dispute Resolution, Choice of Law and Venue. You agree that any disputes arising out of or relating to this Agreement or the Services shall be resolved in accordance with this Section. This Agreement is governed by the laws of the State of Texas (without regard to its choice of law provisions). The exclusive venue for any actions or claims arising under or related to this Agreement shall be in the appropriate state or federal court located in Dallas County, Texas. ALL PARTIES IRREVOCABLY WAIVE ANY AND ALL RIGHTS THEY MAY HAVE TO A TRIAL BY JURY IN ANY JUDICIAL PROCEEDING INVOLVING ANY CLAIM RELATING TO OR ARISING UNDER THIS AGREEMENT. Headings are included for convenience only, and shall not be considered in interpreting this Agreement. This Agreement does not limit any rights that we may have under trade secret, trademark, copyright, patent, and/or other laws. Our failure to assert any right or provision under this Agreement shall not constitute a waiver of such right or provision. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term.

10. Right to Amend. We have the right to amend the terms of this Agreement, including exhibits hereto, at any time, and to change, delete, discontinue, or impose conditions on any feature or aspect of the Services with notice. Notice of changes will be published 30 days in advance of effective date unless the requirement for change is outside of our control, in which case, advance notice may not be provided if effective date is less than 30 days from date of our notification of such a change. Notices will be provided on Vision2Systems.com, or any other website maintained or owned by us for the purposes of providing services in terms of this Agreement. Consideration and/or application of any comment on change provided by you will be at the sole discretion of V2S. Any use of the Services after any such change publication effective date shall constitute your acceptance of this Agreement as modified.

11. Assignment. This Agreement, and any rights and licenses granted hereunder, may not be transferred or assigned by you without our prior written consent, but may be assigned by V2S without restriction.

12. Change of Business or Business Circumstance. You agree to give us at least 30 days prior notification of your intent to change your current services or product types, your organization name or the manner in which you accept payment. You agree to provide us with prompt notification if you contemplate filing a petition for bankruptcy, or are the subject of any involuntary bankruptcy or insolvency petition or proceeding; You also agree to promptly notify us of any adverse change in your financial condition, any planned or anticipated liquidation or substantial change in the basic nature of your business, any transfer or sale of 25% or more of your total assets or any change in the control or ownership of you or your parent entity. You agree to notify us of any judgment, writ, or warrant of attachment, execution, or levy against 25% or more of your total assets not later than three days after you obtain knowledge of it. V2S reserves the right to terminate this agreement in its entirety if such action is deemed reasonable and appropriate.

13. Parties. This Agreement binds all parties to the terms and conditions of this agreement and all parties are responsible for ensuring their organizations, employees, and volunteers, are in compliance with the terms and conditions of this Agreement as applicable to their roles and responsibilities.

14. Force Majeure. No party will be liable for delays in processing or other nonperformance caused by such events as fires, telecommunications failures, utility failures, power failures, equipment failures, labor strife, zombie apocalypse, rapture, riots, war, terrorist attack, nonperformance of our vendors or suppliers, acts of God, or other causes over which the respective party has no reasonable control.

15. Entire Agreement. Except as expressly provided in this Agreement, these terms and conditions, including any attachment, addendum or amendment to this Agreement, constitute the entire agreement between you and V2S regarding Part One (Software as a Service Terms and Conditions); you, V2S and Wells Fargo regarding the provisions in Parts Two (Payment Services Terms and Conditions); and all parties, you, us and Wells Fargo regarding Part Three (Other Legal Terms and Conditions Applicable to Agreement), and supersedes all prior or contemporaneous oral or written communications and understandings, agreements, proposals, and representations with respect to the Software and/or Services (including Payment Services or any other subject matter covered by this Agreement. All terms and conditions and related documentation of this Agreement shall survive and remain in effect in accordance with their terms upon the termination of this Agreement. In the event of a conflict between this Agreement and any other V2S agreement or policy, this Agreement shall prevail on the subject matter of this Agreement. Except as expressly provided in this Agreement, these terms describe the entire liability of V2S, Wells Fargo N.A., our vendors, and/or suppliers (including processors) and sets forth your exclusive remedies with respect to the Services and your access and use of the Services.

If any provision of this Agreement (or portion thereof) is held to be invalid or unenforceable under applicable law, then it shall be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

Exhibit 1: Software as a Service Terms & Conditions| Privacy and Security Policy

Vision2Systems (“we”, or “our”) is firmly committed to ensuring the right to privacy of our Clients, our Clients’ supporters, our business partners and visitors (“users”,” you”, “your”), when visiting our website (“Website”), and when using our software and services (“Services”). Our Privacy & Security Policy does not apply to any third-party website, product, or service of a company even if we provide links to (or from) them on our Website.

Information Collected

We collect, store, and use personally identifiable information of users when they apply for a Vision2Systems account as well as the personally identifiable information of visitors who visit our Website in strict accordance with applicable local, state and federal laws and with card and other
applicable payment industry guidelines and rules (Legal Requirements).

We collect personal information from individuals or customers sent to us by your computer, mobile phone, or other access device. “Personal Information” as used in this Statement refers to any information that can be used to identify a specific person or anonymous information that is linked to a specific person (e.g., IP Address). Personal Information is captured only when a User signs into our system and willingly discloses such information. We use a number of internal and third-party methods to automatically recognize visitor data such as IP addresses, cookies, headers, and browser settings. No personally identifiable information is revealed in this process.

When requesting information about Vision2Systems Services or applying to use our Services, we ask you to voluntarily provide personal contact information including your organization or individual name, address, city, state, zip code, phone number, and email address. When applying for our Services, we ask you to provide financial qualification and billing information, such as billing name and address, credit card number, full bank account numbers, and the number of employees within the organization that will be using our Services. If you do not want to provide to us information we request on a screen, do not enter the information and do not proceed with that screen.

Use of Cookies

We use cookies and other technologies to facilitate interactions with our websites and to collect non-personally-identifiable, anonymous information from our website to help provide better customer service. Cookies are a feature of web browser software allowing web servers to recognize the computer used to access a website. Cookies can remember what information a computer accessed on one web page to streamline activities on related web pages and to facilitate and personalize the online experience. Information gathered through cookies and web-server log files may include information such as the date and time of visits, the pages viewed, IP addresses, links to/from any page, and time spent at our site. We use cookie data to measure web traffic and usage activity on our Website for purposes of improving and enhancing the functionality of our Website. Traffic and transaction information may be shared with business partners and/or affiliates on an aggregated and anonymous basis. Cookies also allow our servers to remember your account information for future visits and to provide personalized and streamlined information across related pages on our Website.

Standing alone, cookies do not personally identify a User, but recognize User’s Web browser. Unless the User chooses to identify their self to us, the User shall remain anonymous to us. Vision2Systems shall not gather Personal Information in cookies nor shall it use cookies to store any Personal Information. Vision2Systems shall not share this information with third parties or use it to target any advertisements to any User.

Vision2 will provide User information on how your computer accepts cookies and instructions to enable you to configure preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain of our online Services or website features. For example, if you choose to not have your browser accept cookies from our website, you will need to re-enter your Personal Information each time you attempt to access premium information.

Use of Information Collected

User Personal Information may be used to:(1) verify User’s identity; (2) generate the Services we provide; (3) analyze our customer demographics; (4) follow up with Users on ransactions initiated on our Website or while using our Services; (5) respond to inquiries made through the site; (6)facilitate finding specific information on our Software or Services; and/or (7) notify User of updated information and other new Services from Vision2Systems.

Upon your agreement to opt in, and aggregation of sufficient data across categories to ensure that no customer demographic data can be used to identify your organization or any specific donor or member, nor contact you or any donor or member. Our goal is to ensure organizational and personal information security, while providing collective information about our users; e.g., we may inform third parties about the total collective number of registered users, the pages most frequently browsed, and/or use for benchmarking purposes.

Disclosure of Personal Information

Vision2Systems will never sell, rent, transmit, or disclose your Personal Information or your organization’s information without notice to you unless you expressly authorize us to do so; or:

  • we must provide to third parties who are integral to the operation of our Website and Services, including but not limited to financial institutions, payment processors, verification services and credit bureaus; or
  • we are required to comply with the federal or state law, Card Association Rules and Guidelines, or NACHA Association Rules; or
  • we are compelled to do so by a subpoena, court order, or similar legal procedure;
  • we believe that good faith disclosure is necessary to prevent physical harm or financial loss;
  • to report suspected illegal activity; and/or
  • to investigate violations of our Terms of Service.

In the event of a merger, acquisition, bankruptcy, or other similar event, any information collected or stored about you may be transferred to our successor or assign.

Children’s Online Privacy Protection Act

Our Website and Services are directed to the general public. We do not knowingly collect information from children under 13 years of age or have any reasonable grounds for believing that children under the age of 13 are accessing our Website or using our Services. If we learn that we have inadvertently collected Personal Information from a child under age 13, we will delete that information as quickly as possible. If you believe that we might have any information from a child under age 13, please contact us.

Security

Vision2Systems is committed to ensuring our servers and connections incorporate the latest security technologies, encryption, firewalls, and security devices to safeguard the information we process and to prevent unauthorized access. We maintain physical, electronic, and procedural safeguards in compliance with applicable Legal Requirements, including compliance with Payment Card Industry (PCI) Data Security Standards (DSS) and annual recertification as a Level 1 PCI-DSS payment services provider. We protect our databases with various physical, technical, and procedural measures and restrict access to your information by unauthorized persons. Only authorized employees and authorized employees of our affiliates may access your information to fulfill their job functions. Each authorized person is required to comply with employment background and other evaluations as required by Vision2 policy and standards. Additionally, all Vision2Systems employees are required to adhere to our strict privacy policies, and any employee who violates the Privacy Statement is subject to termination or other disciplinary measures, up to and including criminal prosecution for their violation, if appropriate.

Changes to this Privacy Statement

Vision2Systems reserves the right, in our sole and absolute discretion, to change or update this Statement at any time and will provide notification of such changes via the Vision2Systems Website. Clients and users are asked to review this Statement periodically to check for updates or changes on the Website and also agree that electronic disclosures and notices have the same meaning and effect as a paper copy. Such disclosures and notices in relation to this Statement shall be considered to be received by both Clients and users within 24 hours of the time it is posted to our Website.

Contact Information

Vision2Systems Contact Information shall be clearly displayed on the Website and include instructions to the Client /User that in the event they have questions or suggestions about our Privacy Statement or any of our privacy-related practices. If they believe their privacy has been breached through the use of our website, Vision2Systems should be contacted immediately at privacy@vision2systems.com. .

Client/User Privacy Statement Communication and Right to Amend

We continue to review our policies and procedures to assure that they are effective in meeting our commitments to our Users. We reserve the right to change our Privacy Statement without notice at any time and from time to time, including as needed to comply with Legal Requirements and Payment Standards. Changes to our Privacy Statement will be communicated and available on our Website.

Exhibit 2: Payment Services| Payout Schedule

The following table, Table I, provides a means of determining V2S goal settlement funding date to your DDA, based upon the day of the week that funds are settled to either the FBO Settlement Account (Cards) or V2S Settlement Account (ACH and other non-card payments) in consideration of weekend and federal holidays. (See note below for exceptions.)

The following table, Table 2, provides goal funding dates that are impacted specifically by bank holidays for calendar year 2013.

V2S SETTLEMENT DATE TO CLIENT IF:

DAY FUNDS SETTLE TO V2S ACCT BY: 8PM

NEXT DAY IS NOT A FED HOLIDAY, SAT OR SUN

NEXT DAY IS A FED HOLIDAY & NOT A MONDAY

NEXT DAY IS A FED HOLIDAY & NOT A FRIDAY

NEXT DAY IS MON & A FED HOLIDAY

NEXT DAY IS FRI & A FED HOLIDAY

MON

TUE

WED

WED

NA

NA

TUE

WED

THU

THU

NA

NA

WED

THU

FRI

FRI

NA

NA

THU

FRI

MON

NA

NA

MON

FRI

MON

MON

NA

TUES

NA

NOTE:

Exceptions to above schedule may include: (1) American Express (AMEX) Transactions, generally 3 day settlements; (2) any first time V2S
ACH transaction other than existing recurring transactions integrated at time of V2S implementation(5 day delayed settlement to ensure
that ABA/Routing Number are accepted by donor’s bank); and (3) those ACH transactions equal to or greater than $10,000.

Exhibit 3: Payment Services| Acceptable Use Policy

Vision2Systems among other standards, applies the following principles to acceptance of Clients for use of Vision2Systems Software and Services to facilitate and support payments services and related accounting for individual giving as well as collaborative giving among Churches and other Not for Profit organizations:

  • Organizations are formed and operated with a high degree of integrity for the purpose of charitable intent to benefit humanitarian, educational, and environmental purpose,
  • Under no circumstances do charitable earnings unduly inure to the benefit of any Board Member, Principal or other individual within a receiving organization.

Those Vision 2 Clients who, at the sole discretion of Vision2Systems, that are determined not to be compliant with this policy are subject to immediate termination.

Prohibited Uses.
All Vision2 Clients are independently responsible for complying with all applicable laws and regulations in all actions related to use of Vision2’s Systems and Services, regardless of the purpose of the use and shall not use our Services for any of the following prohibited businesses and practices, defined as follows:

  • Conducting or participating in activities related to transactions involving: (a) narcotics, steroids, certain controlled substances or other products that present a risk to consumer safety, (b) drug paraphernalia, (c) items that encourage, promote, facilitate or instruct others to engage in illegal activity, (d) stolen goods including digital and virtual goods (e) items that promote hate, violence, racial intolerance, or the financial exploitation of a crime, (f) items that are considered obscene, (g) items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, (h) certain sexually oriented materials or services, (i) ammunition, firearms, or certain firearm parts or accessories, or (j) certain weapons or knives regulated under applicable law;
  • Conducting or participating in activities or practices related to transactions that: (a) show the personal information of third parties in violation of applicable law, (b) support pyramid or Ponzi schemes, matrix programs, other “get rich quick” schemes or certain multi-level marketing programs, (c) are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, (d) are for the sale of certain items before the seller has control or possession of the item, (e) are by payment processors to collect payments on behalf of merchants, (f), are associated with the sale of traveler’s checks or money orders, (h) involve currency exchanges or check cashing businesses, or (i) involve certain credit repair, debt settlement services, credit transactions or insurance activities;
  • Conducting or participating in activities or practices involving the sales of products or services identified by government agencies to have a high likelihood of being fraudulent;
  • Violating applicable laws or industry regulations regarding the sale of (a) tobacco products, or (b) prescription drugs and devices;
  • Conducting or participating in activities or practices related to transactions involving gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes, unless the sweepstakes materials are reviewed in advance and approved by Vision2.

The following unacceptable business and/or industries are in part due to Bank Card Rules prohibition, illegal or likely to be deemed illegal, fraud or high potential for excessive chargebacks, or where experience has demonstrated high losses or high chargebacks.

  • Adult websites and content, including, but not limited to the following: adult entertainment (misc.), any products on the internet containing graphic or nude content, audio (phone sex and adult phone conversations), companion/escort services; dating services (sexually-oriented), fetish products, illegal activity (e.g., child pornography, bestiality), massage parlors (sexually-oriented), membership, clubs, subscriptions, prostitution, gentleman’s clubs,topless bars, and strip clubs, video Adult products or services such as adult book stores, video stores, toys, web-based sexually oriented video.
  • Airlines
  • Bail bonds
  • Bankruptcy lawyers
  • Bidding fee auctions (a/k/a penny auctions)
  • Business/Investment opportunities operating as “get-rich-quick schemes” (e.g., real estate purchase with No Money Down)
  • Business physically located outside the U.S. (offshore acquiring)
  • Businesses selling age or legally restricted products or services (e.g., sale of alcohol and tobacco), Internet/MOTO
  • Cell phones/pagers (billing for services only)
  • Centralized reservation services
  • Chain letters
  • Charities without 501 (c)(3) or equivalent status
  • Collection agencies or firms involved in recovering/collecting past due receivables
  • Counterfeit goods/replicas (i.e., knock-offs, imitations, bootlegs)
  • Credit repair/restoration or card protection (including identity theft protection)
  • Cruise lines
  • Data pass (merchants up-selling or cross-selling products or other merchants and then sharing the cardholder data with the third party or receiving cardholder data from third parties)
  • Debt consolidation and mortgage reduction/consulting services
  • Decryption and descrambler products including mod chips
  • Door-to-Door sales
  • Drug paraphernalia
  • Embassy, Foreign Consulate, or Other Foreign Government
  • Essay mills/paper mills (i.e., ghostwriting services that sell essays, term papers, etc. with intent that the purchaser will submit documentation as their own)
  • Extended warranties
  • Fake references and other services/products that foster deception (including fake IDs and government documents)
  • File sharing services
  • Fortune tellers
  • Gambling involving: o Legal gambling where the cardholder is not present when the bet is made, including lotteries, illegal gambling, including internet gambling, sports forecasting or odds making
  • Government grants
  • Illegal drugs, substances designed to mimic illegal drugs, and/or other psychoactive products (e.g., K2, salvia divinorum, nitrate inhalers, bath salts, synthetic cannabis, herbal smoking blends, herbal incense, and HCG/HGH-like substances)
  • Illegal products/services or any service providing peripheral support of illegal activities
  • Jammers or devices that are designed to block, jam or interfere with cellular and personal communication devices/signals
  • Mail order spouse and international match-making services
  • Marijuana, marijuana products, marijuana services and marijuana related businesses (excluding hemp)
  • Medical benefit packages
  • Membership/Subscriptions in excess of one year (i.e., two year, three year, lifetime etc.)
  • Merchants engaged in activity prohibited by MasterCard and Visa
  • Merchants engaged in any form of deceptive marketing practices including but not limited to: o hidden disclosure, including bogus claims & endorsements, pre-checked opt in boxes; refund or cancellation avoidance; poorly disclosed negative options
  • Merchants offering substantial rebates or special incentives (e.g., free gift, prize, sweepstakes, or contest) as an inducement to purchase products/services
  • Merchants that have ransom-like or extortion-like basis for their business model (e.g., mugshot removal)
  • Merchants utilizing tactics to evade Card Brand excessive chargeback monitoring programs
  • Money Service Businesses: o Provider or seller of prepaid access/stored value, including both open-loop and closed-loop* exceeding $2000. (* Closed-loop prepaid access includes gift cards, phone cards, subway cards, college campus cards, game cards and other limited-use prepaid access devices when the value can exceed $2,000 ), including but not limited to: money transmitters, wire transfer, quasi-cash, cash advances (by non-financial institutions), currency exchange or dealer, issuer and /or seller/redeemer of money orders or traveler’s checks, check cashers
  • Multi-level marketing or pyramid schemes
  • Negative response marketing techniques by any type of merchant (i.e., customer is automatically charged if they don’t return the merchandise at the end of a free trial period)
  • Nutraceuticals (e.g., acai berry or health related teas or drinks)
  • Payday loans and unsecure loan/lines originating from non FDIC insured banks
  • Prescription drug sales, Internet/MOTO
  • Products/services that promote hate, violence, harassment or abuse
  • Pseudo pharmaceuticals (e.g., weight-loss, anti-aging, muscle-building, sexual-stimulant supplements, colon cleansers, detox products)
  • Security brokers
  • Shipping/forwarding brokers
  • Social media “click farms” (i.e., the sale of clicks/likes/reviews/endorsements on social media sites)
  • Telemarketing companies involved with the following methods of operations: o Offering a free gift, prize, or sweepstakes/contest entry as an inducement to purchase their product or service, including but not limited to: inbound telemarketing companies that receive calls as the result of post cards or similar mailings (as opposed to catalog or media advertising); selling products/services as an agent for a third party.
  • Third Party Payment Processors/Aggregators/Payment Service Companies (e.g., bill pay service, crowd funding, peer-to-peer payments, digital wallets, commissary accounts) falling outside of Card Brand approved requirements (Payment Facilitators)
  • Timeshares
  • Tobacco products (including e-cigarettes), Internet/MOTO
  • Virtual currency that can be monetized, re-sold or converted to physical/digital goods/services or otherwise exit the virtual world
  • Weapons, ammunitions, and firearm parts, Internet/MOTO

[1]The following links provide detailed information regarding PCI and Card Associations’ Security Standards: www.pcisecuritystandards.org,. www.visa.com/cisp; www.mastercard.com/sdp; http://www.discovernetwork.com/merchants/data-sec/disc.html ; and https://www.americanexpress.com/datasecurity.