ExxonMobil Card Guide Applies to Sites Connected to the New ExxonMobil Platform/System

Business

1234 5678 9012 3456 34 456 1234 R J.. Q. CUSTOMER CARDHOLDER SINCE

Key Tag Car Tag 1-87-SPEEDPASS (1-877-733-3727)

20122 2012

CARD NO EXPIRES END OF

001 12 /15 12/15

1-800-231-4674

1-800-231-4674

1-800-231-4674

1-800-231-4674

1-800-231-4674

1-800-231-4674

Business Fleet

123456 123456 78901 2345 5 6 ABC ABC INC IN NC 2010 2010 0 SEDAN SEDAN CUSTOMER CUSTOMER

EXPIRES AT END OF

10/15 10/15 5

000000

1-800-622-9882

1-800-622-9882

Business Card Carte d’ Affaires

Fleet National

123456 123456 78901 2345 5 6

123456 123456 78901 2345 5 6

ABC ABC INC IN NC 2010 2010 0 SEDAN SEDAN CUSTOMER CUSTOMER

ABC IN NC 2010 0 SEDAN CUSTOMER

EXPIRES AT END OF

10/15 10/15 5

000000

EXPIRES AT END OF EXPIRE À LA FIN DE

000000

10/15 10/15 5

1-800-842-0071

1-800-433-6819

1-800-433-6819

1-800-919-8646

1-800-559-1573

1-800-559-1573

1-800-559-1573

1-800-559-1573

1-800-347-1111

1-800-347-1111

1-800-347-1111

1-800-347-1111

1-800-347-1111

1-800-479-2757

1-800-479-2757

1-800-479-2757

1-800-528-2121

1-800-877-9013

1-800-357-1839

1-800-987-6589

Accepted at authorized locations only

FEBRUARY 2014

ExxonMobil Card Guide This Card Guide Applies to Sites on the New ExxonMobil Platform Only

February 2014

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EXXONMOBIL CARD GUIDE

Table of Contents Section 1

Quick Reference Guide...................................................... 1.0

Frequently Used Telephone Numbers and Addresses for Retailers............................................ 1.1 – 1.3 Telephone Numbers and Addresses for Customers.................................................1.4

Fueling Limits...........................................................................1.5



Network/Host Site Card Report Set Up Instructions......1.6 – 1.7



Tips to Avoid Chargebacks.............................................1.8 – 1.9



Tips to Avoid Fraud...................................................... 1.10 – 1.11



Store & Forward Sales........................................................... 1.12



Unpaid Sales and Store & Forward Rejects.......................... 1.13

Bad Mag Stripe (Manual Key) and “Pick up Card” Procedures...................................1.14 – 1.15 Manual Authorization Procedures.......................................... 1.16

Retailer Bulletins and Host Discounting................................. 1.17



Site System Card/Sale Type Identifiers.................................. 1.18

Floor Limits by Card Type (Network is not Connected and Store & Forward is Not Activated)............................... 1.19 – 1.20

Exxon and Mobil Product Codes................................1.21 – 1.23



Security of Cardholder Data........................................1.24 – 1.25

Section 2

Speedpass at ExxonMobil................................................. 2.0



About Speedpass and Activation............................................2.1



How it Works, Customer Service and Limits.......................... 2.2



Store & Forward and Inside Speedpass................................. 2.3



Inside Speedpass and Unpaid Speedpass Sales................... 2.4

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Terminal Messages................................................................. 2.5



Other Messages, Managing Transactions and Lost Transponders........................................................... 2.6



Troubleshooting and Ordering Demo Transponders................2.7

Section 3 Acceptable Cards................................................................ 3.0

Retailer Tips and General Authorization Rules................3.1 – 3.2



ExxonMobil Cards.......................................................... 3.3 – 3.6



ExxonMobil Fleet Cards................................................. 3.7 – 3.8



ExxonMobil Gift and Prepaid Cards.............................3.9 – 3.10



Esso Fleet and Business Cards...................................3.11 – 3.12

CarCareONE............................................................... 3.13 – 3.14

Fuelman Fleet Card..................................................... 3.15 – 3.17



American Express....................................................... 3.18 – 3.19

Discover, JCB, Diners Club, BCcard and China Union Pay (CUP)....................................... 3.20 – 3.22

Visa and MasterCard................................................. 3.23 – 3.25



Visa and MasterCard Fleet......................................... 3.26 – 3.27

WEX, ExxonMobil Universal Card and ExxonMobil Fleet National Card.......................... 3.28 – 3.29 Voyager...................................................................... 3.30 – 3.31

Debit Cards................................................................ 3.32 – 3.33

Section 4 ExxonMobil Authorization Procedures............................ 4.0

ExxonMobil Cards....................................................................4.1



Card Sales Authorization................................................ 4.2 – 4.3



Electronic Sales Tickets........................................................... 4.4

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Section 5

Manually Imprinted Paper Sales Tickets......................... 5.0



Tips for Faster Paper Ticket Processing..................................5.1



Completing a Paper Sales Ticket................................... 5.2 – 5.3

Preparing a Paper Ticket Sales Submission.................. 5.4 – 5.6 Lost Paper Ticket Submissions................................................5.7 Imprinters and Submission Plates (Metal Imprinter Plates)........................................................... 5.8 Section 6 Authorized Products, Merchandise and Services................................................ 6.0 Authorized Products, Merchandise and Services..............................................6.1 – 6.2 Unauthorized Products, Merchandise and Services...................................................... 6.3 Section 7 Retailer Reimbursements...................................................7.0

Reimbursement Troubleshooting............................................. 7.1

Reimbursement Reporting and Delivery Methods............................................................ 7.2 – 7.5

Reporting and Reimbursement Timing........................... 7.6 – 7.7



Card Processing Fees..............................................................7.8



Card Sales Fee Reports.................................................7.9 – 7.11



Loyalty Program Reimbursements......................................... 7.12

Section 8 Avoiding Chargebacks and Fraud.................................... 8.0

Tips to Avoid Chargebacks.............................................8.1 – 8.2



Fulfilling Requests for Ticket Copies.............................. 8.3 – 8.4



Common Reasons for Chargebacks...................................... 8.5

ExxonMobil Card Services Chargeback Notification Letter............................................... 8.6

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 Bank Ticket Requests and Multiple Sales Report..................................................... 8.7 – 8.8

Tax Chargeback Invoice.......................................................... 8.9



Card Prefix Number Fields.....................................................8.10



Skimming and Common Types of Fraud............................... 8.11



Tips to Prevent Fraud.................................................. 8.12 – 8.17



“Code 10”: Reporting Suspicious Activity..............................8.18



Card Identification Features........................................8.19 – 8.22

Section 9

Ordering Supplies................................................................ 9.0



ExxonMobil Card Processing Supplies....................................9.1



Retail Equipment Supply Program Price List.......................... 9.2



Card Marketing Supplies......................................................... 9.3



Automation Supplies............................................................... 9.4

Section 10 Agreements and Definitions............................................ 10.0

Terms and Conditions...............................................10.1 – 10.22

Definitions................................................................10.22 – 10.25

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EXXONMOBIL CARD GUIDE

Section 1 Quick Reference

Quick Reference Guide................................................. 1.0

Frequently Used Telephone Numbers and Addresses for Retailers......................................1.1 – 1.3 Telephone Numbers and Addresses for Customers........................................... 1.4

Fueling Limits..................................................................... 1.5

Network/Host Site Card Report Set Up Instructions....................................................1.6 – 1.7

Tips to Avoid Chargebacks....................................... 1.8 – 1.9



Tips to Avoid Fraud.................................................1.10 – 1.11



Store & Forward Sales......................................................1.12



Unpaid Sales and Store & Forward Rejects.....................1.13

Bad Mag Stripe (Manual Key) and “Pick up Card” Procedures.............................1.14 – 1.15 Manual Authorization Procedures.....................................1.16

Retailer Bulletins and Host Discounting............................1.17



Site System Card/Sale Type Identifiers.............................1.18

Floor Limits by Card Type (Network is Not Connected and Store & Forward is Not Activated).........................1.19 – 1.20

Exxon and Mobil Product Codes......................... 1.21 – 1.23



Security of Cardholder Data................................. 1.24 – 1.25

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1 1.0

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Section 1 | Quick Reference

Frequently Used Telephone Numbers and Addresses for Retailers ExxonMobil Portal................................. www.exxonmobil.com/online Troubleshoot downloading Card Reports from the Portal...................... 1-800-779-5779 To set up Branded Wholesaler (BW) Access................................. Call Territory Manager

DTN (now Schneider Electric) Email delivery of Network/Host Card Settlement Reports (see page 1.6)

Initial BW Site Set Up BWs set up each site for email delivery of card reports by calling..........1-800-724-5718 Manage BW Site Reports Form This form is used after the site is set up to add and maintain email addresses / report selections or to delete sites. Log on to the ExxonMobil Portal and select the “My Account” community, then select the form on the left side of the page.

Manage BW Site Reports form........................................... www.exxonmobil.com/online Manage BW Site Reports form and site email reporting questions.........1-800-724-5718

Site System Help Desk Support CSD (Card Site Device) Help Desk Card Settlement, DTN (now Schneider Electric) Host email Card Reporting, Reconciliation, Network Issues, Change Host Default Day Close Time, etc.

Gilbarco Passport...................................................................................1-866-603-6483 Wayne Fusion.........................................................................................1-800-866-6762 VeriFone Commander.............................................................................1-866-603-6483 POS & Pump Vendor Help Desk Software, Hardware, Programming Support & Report Printing

Gilbarco Passport....................................................................................1-800-743-7380 Wayne Nucleus.......................................................................................1-800-866-6762 VeriFone Ruby II & Topaz........................................................................ 1-888-976-5022 Dial Up Terminal (VX520) Help Desk All Issues/Questions............................................................................... 1-800-347-8224

Retailer Inquiries Reimbursement, Chargeback, etc.......................................................... 1-800-413-9966 Unpaid Sales and Store & Forward Rejects................................... (fax) 1-800-801-6059 Ticket Requests (all cards)................................................................ (fax) 1-800-204-2736 Chargebacks (submit tickets in response to a chargeback)..............................(fax) 1-800-287-9285 Host Discounting & Settlement Report Questions.................................. 1-800-413-9966 continued on next page >

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Section 1 | Quick Reference

Frequently Used Telephone Numbers and Addresses for Retailers (continued) Card Sales Authorization ExxonMobil Consumer & Business..........................................................1-800-231-4674 ExxonMobil Fleet....................................................................................1-800-622-9882

Speedpass

TM

.................................... 1-87-SPEEDPASS

(1-877-733-3727)

ExxonMobil Fuels Customer Support........................ 1-877-566-3478 Automated Services, Draft Confirmation, Account Information, Imprinter Plates

ExxonMobil Gift Cards...................................................... 1-800-919-8646 RPM (Retailer Promotional Marketing) Ordering POP Signs, Brochures, Door Decals, and Pump Decals

Web via RPM........................................................................................www.emrpm.com Web via ExxonMobil portal................................................. www.exxonmobil.com/online RPM Support (M–F, 8:15am–9pm CST)....................... 1-800-636-4POP (1-800-636-4767)

To Report Suspicious Activity ExxonMobil Consumer Cards (24 hours a day, 7 days a week)........................1-800-344-4355 ExxonMobil Business Cards (24 hours a day, 7 days a week)..........................1-800-903-9966 ExxonMobil Fleet Cards (24 hours a day, 7 days a week)................................. 1-800-624-5140 Speedpass (5am–11pm CST, 7 days a week)....................1-87-SPEEDPASS (1-877-733-3727) ESSO Business Cards (24 hours a day, 7 days a week)................................... 1-888-662-4510 ESSO Fleet Cards (24 hours a day, 7 days a week)...........................................1-800-267-0156

ExxonMobil Lubes & Specialties Customer Service Center, Orders and Receivables.................. 1-800-LUBE-OIL (1-800-582-3645)

ExxonMobil Lubricant Support Network Safety Data Sheets (MSDS), Technical Information, Product Questions, etc........................................................................... 1-800-662-4525

continued on next page >

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Section 1 | Quick Reference

Frequently Used Telephone Numbers and Addresses for Retailers (continued) ExxonMobil Addresses Retailer Inquiries Retailer Services P.O. Box 6010 Hagerstown, MD 21741-6010

Street Address Retailer Services 1 Western Maryland Parkway Hagerstown, MD 21741

Ticket Requests (all cards) Retailer Services P.O. Box 6010 Hagerstown, MD 21741-6010

ExxonMobil Portal www.exxonmobil.com/online Contact assigned Territory Manager to obtain access to the portal

Submitting Manual Tickets ExxonMobil Card Services P.O. Box 6010 Hagerstown, MD 21741-6010

Street Address (non-USPS deliveries) ExxonMobil Card Services 1 Western Maryland Parkway Hagerstown, MD 21741

Ordering ExxonMobil Supplies and Applications – See Section 9

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Section 1 | Quick Reference

Telephone Numbers and Addresses for Customers Speedpass To Enroll, Activate, or report Lost or Stolen

M–Su, 5am to 11pm..................................................1-87-SPEEDPASS (1-877-733-3727) 24 hours a day/7 days a week........................................................www.speedpass.com

Card-Related Customer Inquiries Lost or Stolen, Account Balance, Payment Status, Available Credit, Order New Cards, etc.

ExxonMobil ExxonMobil ExxonMobil ExxonMobil ExxonMobil ExxonMobil

Consumer...........................................................................1-800-344-4355 Preferred Card.................................................................... 1-800-285-7740 Business.............................................................................1-800-903-9966 Fleet.................................................................................... 1-800-624-5140 Gift Card Inquiries............................................................... 1-800-919-8646 Travel Club..........................................................................1-800-833-9966

To Apply for an ExxonMobil Card Consumer................................................................................1-866-379-1010 (option 1) Business.................................................................................................1-866-544-3086 Business......................................................................................... (fax) 1-866-533-8818 Fleet........................................................................................................ 1-800-627-3427 Fleet, ExxonMobil Universal and ExxonMobil Fleet National.......... (fax) 1-800-374-4568

ExxonMobil Cardholder Inquiries ExxonMobil Card Services Customer Service P.O. Box 6404 Sioux Falls, SD 57117 1-800-344-4355

ExxonMobil Customer Relations Station Inquiries P.O. Box 1049 Buffalo, NY 14240-1049 1-800-243-9966

Lost or Stolen Credit Cards ExxonMobil Cardholders whose credit cards have been lost or stolen should be advised to report the loss immediately. Cardholders will not be liable for unauthorized charges after notifying ExxonMobil of the loss of the credit card (commercial accounts may be an exception). They may call toll-free anytime or report the loss in writing to:

ExxonMobil Card Services Customer Service P.O. Box 6404 Sioux Falls, SD 57117 1-800-344-4355

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ExxonMobil Fleet P.O. Box 639 Portland, ME 04104 1-800-624-5140

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Section 1 | Quick Reference

Fueling Limits

Card Type

Inside Inside PATP PATP PATP PATP Card Speedpass Speedpass Card Speedpass Card Fueling Fueling Fueling Fueling Fueling Fueling Limits Limits Limits Limits Limits Limits On-line

S&F

On-line

S&F

S&F

S&F

ExxonMobil Consumer

$125

$100

$125

$75

$70

$70

ExxonMobil Business

$175

$100

$175

$75

$70

$70

ExxonMobil Fleet

$400

$175

$400

$175

$70

$70

CarCareONE

$100

N/A

N/A

N/A

N/A

N/A

ExxonMobil Gift Card

$100

N/A

N/A

N/A

N/A

N/A

AMEX (consumer)

$100

$75

$100

$75

$70

$70

Discover, Diners, JCB, BCcard & CUP

$100

$75

$100

$75

$70

$70

FleetCor/Fuelman Fleet

$950

N/A

N/A

N/A

N/A

N/A

MC Consumer

$100

$75

$100

$75

$70

$70

MC Fleet

$150

$100

$150

$75

$70

$70

Visa Consumer

$100

$75

$100

$75

$70

$70

Visa Fleet

$100

N/A

$100

N/A

N/A

N/A

Voyager

$250

$75

N/A

N/A

$75

N/A

ESSO Fleet & Business

$150

$50

N/A

N/A

$50

N/A

WEX Fleet

$400

$70

N/A

N/A

$70

N/A

Debit cards

$90

N/A

N/A

N/A

N/A

N/A

Call Site System Help Desk Support if your limits differ from those listed above.

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Section 1 | Quick Reference

Network/Host Site Card Report Set Up Instructions BW Reports BWs access the ExxonMobil Portal to obtain the host BW Card Reports included in the table on the following page.

Site Reports DTN (now Schneider Electric) will email the Site Card Reports in the table on the following page to site and/or BW personnel email addresses set up by the BW. BWs must set up and maintain email addresses and report selection for each site. • BWs can set up sites for email delivery of card reports by calling DTN at 1-800724-5718. DTN will send a confirmation email to the BW within two business days when the setup is completed. Upon receipt of the email, BWs will input the email addresses and report selection for the site by logging on to the ExxonMobil Portal “My Account” community and selecting the “Manage BW Site Reports” form on the left side of the page. • BWs will access the “Manage BW Site Reports” form to maintain email addresses / report selections or to delete sites. The initial input and any changes to this form are immediate. Up to four email addresses can be set up for each site and each email address can be set up to receive a different set of reports. • For questions about report formatting or if additional help is required, call DTN (now Schneider Electric) at 1-800-724-5718. • Step-by-step set-up instructions are available to BWs on the ExxonMobil Portal by accessing the Card Services community. Under Publications, select “ExxonMobil – Telvent DTN Portal” and then “BW Site Set Up for email Delivery of Card Reports”.

It is the BW’s responsibility to ensure site and BW personnel email addresses are added and deleted immediately when changes in personnel occur.1 Note: These reports are not available at the Site System.

1

See next page

1.6

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continued on next page >

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Section 1 | Quick Reference

Network/Host Site Card Report Set Up Instructions (continued) These reports are not available at the Site System. It is the BW’s responsibility to ensure site and BW personnel email addresses are added and deleted immediately when changes in personnel occur.1

Network/Host Site Card Reports

Report Identifier 2

Received By*

Card Settlement Summary Report – Day/Shift summary totals and adjustments. Formerly the Special Function (SF 99-01) report. Also replaces the Shift Summary (SF 99-30), Super Summary (SF 99-09) and EM Gift Card Activation (SF 99-28) reports.

CCM

11am EST/EDT

Card Settlement Transaction Report – Includes each sale and adjustment. Replaces the Shift Detail (SF 99-31) report. This report is a site report only and not available on the ExxonMobil Portal to BWs.

CTR

11am EST/EDT

Multiple Sales Report – Identifies multiple inside sales by truncated card number to identify possible fraud. This report does not include Debit and Fleet card sales. Replaces the SF 99-07 report. This report is a site report and not available on the ExxonMobil Portal to BWs.

MSR

5pm EST/EDT

Ticket Requests – Replaces the SF 99-03 report

RTV

11am EST/EDT

Chargeback Letters3

CBK

5pm EST/EDT

TAX

11am EST/EDT

Daily Card Sales Fee Report 3 – Daily Summary of total sales and card fees by Card Type, Credit/Debit/SP, Inside/Outside, Fuel/Nonfuel

DFM

11am EST/EDT

Monthly Card Sales Fee Report 3 – Monthly Summary of the Daily Card Sales Fee Reports

FMM

11am EST/EDT

Tax Chargeback Letters

3

*Call Site System Support if a report is not received. 1 T he BW’s primary portal user must contact the Territory Manager to obtain the “ExxonMobil Portal Registration” form to grant additional BW employee(s) access to the Portal “My Account” community. 2 E ach report will be received in a separate email. The subject line will display the Report Identifier. 3 T hese reports are new to sites upon BW set up and were previously available only to the BW.

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Section 1 | Quick Reference

Tips to Avoid Chargebacks Q: What is a chargeback? A: T  he Card Guide Issuer has reserved the right to reclaim certain payments that the Card Guide Issuer has made to Branded Wholesalers. Rules governing the Card Guide Issuer’s right to reclaim payments are in Section 10, principally in paragraphs 70 through 73. The Card Guide Issuer can charge back some transactions even if they have been authorized by the Site System.

Some quick checks to reduce the risk of chargebacks • Train and instruct Sales Associates in the use of this ExxonMobil Card Guide. • Only accept cards authorized in this Card Guide. • Never accept expired cards! • When required, get Telephone Authorization using only the numbers in Section 3 (numbers on the back of the card may be fraudulent). Write the approval code on the Sales Ticket and have the customer sign. Imprint the card then record the date and the amount of the sale. Lastly, verify that the credit card information on the imprint is legible. • Authorization does not override the need to get the required information. Observe Authorized Product & Services (Section 6) and Sales Limits on all credit card sales (Section 3). • Except for Electronic Sales Tickets printed on an Express Pay Unit, the signature on the back of the card must match the receipt. Customer initials or company names are not acceptable. Due to increased counterfeiting of card plastics, be sure to compare the embossed number on the credit card with the last four digits printed on the Electronic Sales Ticket. If the inside console has a PIN pad for the customer to swipe their card, the cashier must ask for the card to compare the signature and card information on the receipt. • For all card types, request a driver’s license to verify customer identity and signature (except in the District of Columbia). See page 3.24 for Visa and MasterCard position regarding driver’s license. • Obtain and submit ticket requests daily. See Section 8 for detailed instructions.

continued on next page >

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Section 1 | Quick Reference

Tips to Avoid Chargebacks (continued) • Maintain copies of all Electronic Sales Tickets (excluding Express Pay) for a period of seven (7) months from the date of purchase including Sales Tickets that did not require a signature. • Keep customer-sensitive information in a secure location. This includes any record, journal tape or document containing cardholder information such as name, address, account number, etc. • Check all Bad Mag Stripe transactions (page 1.14 – 1.15). Always make an imprint of the credit card and have the customer sign the Paper Sales Ticket. • Check the previous day’s sales tickets to ensure Sales Associates complied with ExxonMobil Card Guide procedures and instructions. • Check the Multiple Sales Report daily for unusual activity. • Check the card type, name and masked account number on the card against the sales ticket at the time of sale. If they don’t match, it may be a counterfeit credit card. • Acknowledge each customer by name while handing the card back to reduce the risk of giving a customer the wrong card. If a credit card switch takes place, please contact the customer service phone number on the back of the card. Contact Retailer Inquiries at 1-800-413-9966 if you have any questions. See “Code 10”– reporting Suspicious Activity on page 8.18.

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Section 1 | Quick Reference

Tips to Avoid Fraud Be Suspicious of These Types of Purchase Activity • Unusual patterns on ticket copy requests such as frequent sales on the same shift or by the same associate. • Significant change or a radical increase in sales (e.g., diesel, gasoline, etc.) • Review all Keyed For Credit and Bad Mag Stripe transactions. • Be suspicious of manually imprinted sales when the Site System is functional. • Investigate unusual changes in your credit/cash transaction ratios. • Multiple purchases of cigarettes, gift cards, and/or other high-value, easily re-sellable merchandise. • Multiple purchases of gasoline on the same card or Speedpass in an unrealistic time frame. • Customers asking for cash back on a credit card not using a pin-based debit card. • Large sale amounts to the same customer on the same day or consecutive days. • Customers who walk in to make a purchase and do not have a vehicle. • Customers who park out of sight to avoid vehicle identification. • Customers who want cash and ask you to write it up as “merchandise”. Split sales are not allowed, and are described in section 10, paragraphs 23 and 27. • Customers who cannot spell the name embossed on the credit card and need to copy it from the card. • Customers who rush the cashier through the sale or refuse assistance. • Numerous vehicles filling up at the same time on the same card/Speedpass – e.g., vehicles with large tanks, vans, mini buses, taxicabs, etc. • Customers activating multiple pumps or testing multiple cards. • Customers at the pump asking others, “cash or credit?” • Customers who have no concern for price or attempt to buy prepaid/gift cards or money orders.

continued on next page >

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Section 1 | Quick Reference

Tips to Avoid Fraud (continued) • Customers who do not have an ID or customers who remove the credit card from their pocket, not their wallet. • Customers making multiple purchases or using multiple cards when Store & Forward has been activated.

Fraud Prevention Tips • Consider using video cameras to document and deter fraud. • Keep customer sensitive information in a secure location for 7 months. • After 7 months, destroy all tickets in such a manner that the credit card number cannot be read. Any other materials that contain card numbers or information uniquely identifiable to a customer, must also be destroyed in a manner such that the card number or information cannot be read. We recommend you shred these documents.

Speedpass Fraud Prevention • Educate your customers. Remind them to always remove their Speedpass when they give up their car keys (e.g. car wash, repair shop, valet parking). • If you have a repair shop, have employees inspect all customer key rings for Speedpass and return the Speedpass device to the customer immediately.

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Section 1 | Quick Reference

Store & Forward Sales Store & Forward (S&F) enables you to process most credit card sales electronically when network communication is unavailable. When S&F has been activated, these sales are stored until they can be transmitted through the system. To reduce the possibility of fraud, notify Site System Help Desk Support if the site goes Offline and into S&F unexpectedly to help determine if this is an equipment problem or possible fraudulent activity. • Bad Mag Stripe (manually keyed) transactions are not allowed while in S&F mode. • ATM/Debit, EBT, Visa Fleet, Fuelman Fleet, CarCareONE, ExxonMobil Gift Cards, American Express Prepaid and Gift cards and Discover Prepaid and Gift cards do not qualify for S&F prior to online authorization. • S&F transactions are coded with the letters LA in the first two positions of the 6-digit authorization number; for example (LA3456). • The initial site download will control the maximum transactions and dollar amount of sales accepted for individual cards based on card type. After the download is complete, you will have the option to accept the maximum limit, select lower limits or select zero to disable S&F. Call Site System Help Desk Support if assistance is needed. • If S&F is not allowed, has been disabled, or the site is down and has reached the maximum S&F limit, sales must be processed on Paper Sales Tickets. See section 5 for instructions. If you have questions about S&F on your system or S&F reporting and reconciliation contact Site System Help Desk Support.

Monitoring S&F Sales Balance S&F reports daily. For sales that stored but did not forward within 24 hours, call Site System Help Desk Support. For sales that were denied/rejected, see page 1.13 for instructions to manually submit the sale to Retailer Inquiries. Retailers should balance daily to identify unpaid S&F sales. Reconciliation guides are available to sites by calling Site System Help Desk Support and to BWs on the ExxonMobil Portal by accessing the Card Services community. Under Publications, select the Site System type and then Quick Reference Guide.

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Section 1 | Quick Reference

Unpaid Sales and Store & Forward Rejects Unpaid sales and Rejected/Denied Store & Forward sales Retailers must call Retailer Inquiries at 1-800-413-9966. Retailer Inquiries will open a research ticket and provide the ticket number and instructions. Note: If sales are stuck in Store & Forward for greater than 24 hours, retailers must call Site System Help Desk Support.

If documentation is required, follow the instructions below 1. Imprint a Paper Sales Ticket (946-0001) ensuring the imprinted data is legible. 2. Write the research ticket number provided by Retailer Inquiries on the documentation and ticket. 3. Document your name and phone number on the submission in case Retailer Inquiries requires additional information to process the submission. 4. Fax to Retailer Inquiries at 1-800-801-6059 and save your fax confirmation sheet. Verify receipt and legibility by calling 1-800-413-9966 after 48 business hours. Do not mail the submission unless directed by Retailer Inquiries. 5. Keep copies of all documents for your records. If a ticket retrieval request is received for the sale, you must provide a copy of the documentation. 6. Reimbursement for Unpaid sales are identified by the TID + 9999 (9999 identifies a manual credit) and are reflected in the detail piece of your Card Settlement (CCM) report. 7. Contact Site System Help Desk Support for reporting and reconciliation questions.

In order to avoid having a transaction result in chargeback or no reimbursement, Retailers should balance reimbursements daily to identify Unpaid and Store & Forward sales that did not forward. Sales that are called in or received by Retailer Inquiries after 10 days of the sale are subject to chargeback or no reimbursement. Reconciliation guides are available to sites by calling Site System Help Desk Support and to BWs on the ExxonMobil Portal by accessing the Card Services community. Under Publications, select the Site System type and then Quick Reference Guide.

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Section 1 | Quick Reference

Bad Mag Stripe (Manual Key) and “Pick Up Card” Procedures Visa, MasterCard, American Express, Discover and some other card companies issue cards which are not embossed (the customer name and account number is printed on the card but the lettering is not raised). The Chase Slate Visa card is embossed where only part of the customer account number will imprint on a Paper Sales Ticket. These are valid cards. These cards may only be used electronically. Do NOT manually key cards that are not embossed or cards where the full customer account number will not imprint on a Paper Sales Ticket.

Bad Mag Stripe Procedure Do NOT manually key ExxonMobil Fleet, Esso Fleet and Business, Voyager, WEX, ExxonMobil Universal, ExxonMobil Fleet National, Discover Gift and Prepaid, and Debit cards. See Section 3 for processing instructions by card type. Purchases of Convenience Merchandise on CarCareONE cards and ExxonMobil Consumer and Business Cards may not exceed $125. When the system is unable to “read” the data from the magnetic stripe after three swipes: 1. When prompted, the customer will enter the complete Account Number/Card Number, expiration date and any additional information required at the PIN pad. The following cards will require additional information to be keyed when prompted: –– ExxonMobil Consumer & Business: the complete 16 digit account number and the three digit card number in lower right corner on front of card should be entered. –– The expiration date is not embossed on Fuelman Fleet/FleetCor and CarCareONE cards. The cashier must let customers know they need to enter 1299 as the expiration date for these cards. –– The expiration date is not embossed on some EBT cards. The cashier must let the customer know to enter 1249 as the expiration date for these cards. –– FleetCor, Visa Fleet, MasterCard fleet: Odometer and Driver ID –– Discover and JCB: three digit number at the far right on the back of the card –– American Express: four digit number on front of the card above the account number to the right

continued on next page >

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Section 1 | Quick Reference

Bad Mag Stripe (Manual Key) and “Pick Up Card” Procedures (continued) 2. The customer will then hand the card to the cashier. The cashier will validate the truncated portion of the card account number. 3. Tell your customer the system could not read the card, and the card issuer requires verification of the sale by creating a Paper Sales Ticket. Assure customers they will not be double-billed. 4. Finalize the transaction. The customer is not required to sign the Electronic Ticket. 5. Create a Paper Sales Ticket (Form 946-0001) as follows: –– Imprint the card, date and the amount of the sale, then verify that the information on the credit card and your imprinter plate is legible. –– Record the approval code and the product description. –– Always have the customer sign the imprinted Paper Sales Ticket regardless of the sale amount. –– Write “Manually Keyed” on the imprinted Paper Sales Ticket (do not cover required information). 6. Give the customer a copy of the Electronic Ticket and the top copy of the signed, imprinted Paper Sales Ticket for their records. 7. Attach a hard copy of the Paper Sales Ticket to your Electronic Ticket. Retain in your files for seven months. 8. If a ticket is requested, fax or mail the copy of both the signed Paper Sales Ticket and the Electronic Ticket. DO NOT PICK UP A CREDIT CARD FOR ANY REASON. If the sale is denied, ask for another form of payment. Cards left at the store should be forwarded to the customer service address on the back of the card.

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Section 1 | Quick Reference

Manual Authorization Procedures (Manual Authorization) Manual Authorization Procedure If you are prompted to call for authorization after a card has been swiped through the Site System: 1. Call the number displayed on the Site System or from Section 3 to obtain an authorization. 2. Follow the voice prompts to obtain an authorization code. 3. Tell your customer the card issuer requires verification of the sale by creating a paper ticket. Assure them they will not be double-billed. 4. Verify the truncated account number and finalize the electronic transaction. The customer is not required to sign the Electronic Ticket. 5. Create a paper ticket (Form 946-0001) as follows: –– Imprint the card, date and amount of the sale and verify that the information on the credit card including the full customer account number and your imprinter plate is legible. –– Record the approval code and the product description. –– Always have the customer sign the Paper Sales Ticket. –– Write “Manually Keyed” on the Paper Sales Ticket (be careful not to cover required information). 6. Give the customer a copy of the Electronic Sales Ticket and the top copy of the signed, imprinted Paper Sales Ticket for their records. 7. Attach the Dealer copy of the signed, imprinted Paper Sales Ticket to the Electronic Sales Ticket copy. Keep the original in your files for seven months. 8. If a ticket is requested, mail or fax the copy of the imprinted sales ticket and the Electronic Sales Ticket.

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Section 1 | Quick Reference

Retailer Bulletins and Host Discounting Retailer Bulletins/EMAIL Retailer bulletins contain important information that directly impacts your business. These Bulletins reflect information concerning Card/Speedpass processing, new programs, etc. These bulletins can be manually viewed/printed or set up to automatically print at Day close. To set up the printing option for bulletins to systematically print at day close, call Site System Help Desk Support.

Host Discounting The Host Discounting feature allows ExxonMobil to establish fuel discounts at the Host (above site level) with a start and end day by Card Type or BIN. The feature allows for a cent per gallon off (pump rollback) at the time of sale for one or more fuel grades. These types of promotions are typically funded by ExxonMobil, card issuers, or another third party and are not setup by retailers. These offers provide consumers with a consistent promotional discount across a geographical area. The retailer will be reimbursed for the discounts provided to consumers during their daily settlement process. Host and Site System settlement reports will reflect discount activity.

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Section 1 | Quick Reference

Site System Card/ Sale Type Identifiers Card/Sale Type Identifier

Definition

CC

Visa/MasterCard Consumer and Visa Fleet

TE

American Express

DS

Discover, Diners Club, JCB, China Union Pay (CUP) and BCcard

DB

PIN Debit

EC

EBT Cash Benefit

FL

ExxonMobil Fleet, Universal and Fleet National Cards, MasterCard Fleet, ESSO, CarCareONE, Voyager, Fuelman Fleet and WEX

PR

ExxonMobil Consumer and Business

SP

Speedpass

SV1

ExxonMobil Gift Card Activation/Deactivation

SV2

ExxonMobil Gift Card Purchase/Capture/ Merchandise Return

SV3

ExxonMobil Gift Card Replacement/ Replace Card Transaction

SV4

ExxonMobil Gift Card Recharge

HD

Host Discounts

CS

Cash

AO

Authorization Only

ECA

TeleCheck ECA Service

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Section 1 | Quick Reference

Floor Limits by Card Type Network is Not Connected and Store & Forward is Not Activated If your station does not have – or has not activated – Store & Forward, process sales manually (section 5). Call for authorization on all sales at or above the card floor limits below. To report connectivity issues and for help with troubleshooting, contact Site System Help Desk Support.

Floor Limit

Phone Number

Merchant Number

American Express

$0

1-800-528-2121

324 840 0293

Diner’s MasterCard

$0

1-800-525-9040

146

Discover, JCB, BCcard, Diners Club, China Union Pay (CUP)

$0

1-800-347-1111

60110 16176 54320

ExxonMobil Consumer

$45

1-800-231-4674

ExxonMobil Business

$45

1-800-231-4674

ExxonMobil Fleet

$0

1-800-622-9882

MasterCard

$0

1-800-479-2757

146

VISA

$0

1-800-479-2757

146

Voyager

$0

1-800-987-6589

WEX, ExxonMobil Universal and ExxonMobil Fleet National

$0

1-800-842-0071

Card Issuer

CarCareONE

Paper Tickets Not Accepted

Debit and EBT Cards

Paper Tickets Not Accepted

ExxonMobil Gift Cards

Paper Tickets Not Accepted

Fuelman Fleet

Paper Tickets Not Accepted

ESSO Fleet/Business

Paper Tickets Not Accepted

Discover Cash and Prepaid Cards

Paper Tickets Not Accepted continued on next page >

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Section 1 | Quick Reference

Floor Limits by Card Type

(continued) Network is Not Connected and Store & Forward is Not Activated Visa, MasterCard, American Express, and Discover issue cards which are not embossed (the customer name and account number is printed on the card but the lettering is not raised). The Chase Slate Visa card is embossed where only part of the customer account number will imprint on a paper ticket. These are valid cards. These cards may only be used electronically. Do NOT Imprint on a Paper Ticket cards that are not embossed or cards where the full customer account number will not imprint on a paper ticket.

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Section 1 | Quick Reference

Exxon and Mobil Product Codes It is very important that product codes are programed correctly at the site. Programing the product codes correctly will ensure discounts and rebates are applied accurately to Retailers and their customers.

Description

Code

Product

Unleaded 1

001

Regular

Unleaded 2

002

Plus (Exxon) Special (Mobil)

Unleaded 3

003

Supreme (Exxon) Super + (Mobil)

Diesel 1

019

Diesel 1

Diesel 2

020

Diesel 2

Diesel 3

021

Desl Blnd

Compressed Natural Gas

022

CNG

Liquid Propane Gas

023

LPG

Liquid Natural Gas

024

LNG

E-85

026

E85

Diesel 1 (Non-Taxable)

032

RD Dsl 1

Diesel 2 (Non-Taxable)

033

RD Dsl 2

Diesel 3 (Non-Taxable)

034

RD Dsl BL

Other Fuel (Non-Taxable)

035

O-Fuel NT

2% Bio-diesel blend (B2)

045

BioDsl 2%

5% Bio-diesel blend (B5)

046

BioDsl 5%

10% Bio-diesel blend (B10)

047

BioDsl 10%

11% Bio-diesel blend (B11)

048

BioDsl 11%

15% Bio-diesel blend (B15)

049

BioDsl 15%

20% Bio-diesel blend (B20)

050

BioDsl 20%

DEF

062

DEF

E-15

064

E-15

E-15 Plus

065

E-15 Plus continued on next page >

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Section 1 | Quick Reference

Exxon and Mobil Product Codes (continued) Description

Code

Product

E-15 Super

066

E-15 Super

Miscellaneous Fuel

099

Fuel/Misc

General Automotive Merchandise

100

Merch Auto

Motor Oil

101

Oil

Car Wash

102

Car Wash

Labor

115

Wk Or/Labr

Synthetic Motor Oil

128

Mobil 1

Kerosene

300

Kero

General Merchandise

400

Merch Snak

General Ice

401

Ice

General Tobacco

410

Tobacco

General Packaged Beverage

420

Pkg Bev

General Dispensed Beverage

430

Disp Bev

Hot Dispensed Beverage

431

Hot Ds Bev

Cold Dispensed Beverage

432

Cold Ds Bev

General Snacks

440

Snacks

General Candy

450

Candy

General Dairy

460

Dairy

General Grocery

470

Grocery

General Alcohol

480

Alcohol

General Deli

490

Deli

General Food Service

500

FoodSvc

General Lottery

510

Lottery

continued on next page >

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Section 1 | Quick Reference

Exxon and Mobil Product Codes (continued) Description

Code

Product

Lottery – Instant

511

Inst-Lott

Lottery – Online

512

Lotto

General Money Order

520

Mony/Ordr

Cash Cards Purchase

532

Csh Cd Pur

Prepaid Cards – Activation/Recharge

533

Csh Cd Act

General Health and Beauty Care

540

H and B

General Publications

550

News/Mag

Undefined Merchandise

560

Undefined

EM Gift Card $25, or $10 EM Coffee Card or $10 EM Wash Card

588

Csh Crd 25

EM Gift Card $50

589

Csh Crd 50

EM Gift Card $100

590

Csh Cd 100

SPECIAL ONE

591

Special 1

SPECIAL TWO

592

Special 2

SPECIAL THREE

593

Special 3

SPECIAL FOUR

594

Special 4

SPECIAL FIVE

595

Special 5

SPECIAL SIX

596

Special 6

Coupon Fuel

905

Coup Fuel

Coupon Non Fuel

906

Coup NFuel

Split Tender

913

Split Tender

Tax 1

950

Tax

Cash Back

955

Cash Back

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Section 1 | Quick Reference

Security of Cardholder Data 1. Retailer/Branded Wholesaler must protect cardholder data, including card numbers, customer names, or any materials, such as Day Reports and journal tapes that contain credit card numbers or information uniquely identifiable to a customer. When disposing of such materials Retailer/Branded Wholesaler must use a manner, such as shredding, which results in the destruction of the credit card number so that it cannot be read or deduced. It is recommended that these documents be shredded. 2. Maintain copies of all Sales Tickets for a period of seven (7) months from the date of purchase including Sales Tickets that did not require a signature. Securely store these tickets in your Ticket Retention File. After seven (7) months, shred these tickets to secure cardholder information. 3. Retailer/Branded Wholesaler should only use any card numbers and other information that uniquely identifies a card paying customer for the sole purpose of completing a card sale and shall keep such information confidential and shall not disclose without ExxonMobil’s consent. 4. Retailer/Branded Wholesaler shall comply with (i) all the security requirements of the Card Guide, and (ii) all other industry standard card security procedures, specifically including but not limited to the Payment Card Industry Data Security Standards (PCI). Compliance is required at all locations and in all operations controlled by the Retailer/Branded Wholesaler where cards are handled, processed, stored, or card data is present. 5. In the event of an unauthorized disclosure of cardholder information under the control of a Retailer/Branded Wholesaler where the Retailer/ Branded Wholesaler is not complying with the above requirements, or in the event a card company issues any fee, assessment, or other charge because a Retailer/Branded Wholesaler is not using PCI compliant or certified equipment, or is not operating the site compliant to PCI rules, regardless of whether there is a disclosure of cardholder information, the Retailer/Branded Wholesaler will be responsible for and liable for any costs, expenses, fees, assessments, reimbursements, fines, penalties, and/or losses resulting directly or indirectly from the use of the Customer Information whether such use occurs at the Retailer/Branded Wholesaler’s site or at any other location. Branded

continued on next page >

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Section 1 | Quick Reference

Security Of Cardholder Data (continued) Wholesalers are liable for any unauthorized disclosures made by the dealers that a Branded Wholesaler sells to. In addition to all obligations of indemnity, the Retailer and Branded Wholesaler will indemnify, defend and hold harmless the Card Guide Issuer and ExxonMobil from and against all causes of action, costs, expenses, fees, assessments, reimbursements, fines, penalties, and/or losses of whatsoever nature and howsoever arising, that result directly or indirectly from the unauthorized disclosure of Customer Information originating at the Retailer/ Branded Wholesaler’s location, including for Branded Wholesalers, all locations of dealers that the Branded Wholesaler sells to. 6. In the event that cardholder information has been disclosed or accessed, or suspected to be disclosed or accessed by an unauthorized person, ExxonMobil must be notified immediately with a phone call to Site System Help Desk Support.

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EXXONMOBIL CARD GUIDE

Section 2 Speedpass

TM



Speedpass at ExxonMobil............................................2.0



About Speedpass and Activation...................................... 2.1



How it Works, Customer Service and Limits..................... 2.2

Store & Forward and Inside Speedpass............................ 2.3

Inside Speedpass and Unpaid Speedpass Sales............. 2.4



Terminal Messages............................................................ 2.5



Other Messages, Managing Transactions and Lost Transponders...................................................... 2.6



Troubleshooting and Ordering Demo Transponders......... 2.7

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Section 2 | Speedpass

TM

About Speedpass and Activation Speedpass is a transaction processing system based on Radio Frequency Technology (RFID). It provides the highest level of convenience and security for ExxonMobil customers.

Three Ways to Enroll • Website: At www.speedpass.com, customers can enroll as well as activate a new Speedpass device. • Paper Application: Applications can be picked up at participating store locations. After the customer has received the fulfillment kit, they can activate their new device via the Web site. • Telephone: Call 1-87-SPEEDPASS (1-877-733-3727) to apply.

Components of Speedpass There are two types of devices pictured below that send signals:

Key Tag

Car Tag

attaches to customer’s key ring

affixes to inside of rear window of customer’s vehicle

There are three user locations pictured below that receive signals:

Fuel Dispenser

Fuel Dispenser

The white panel on the The blue panel on the right left side of the dispenser* side of the dispenser*

Inside Speedpass Reader The blue square on the bottom of the counter PIN pad*

Activation The customer can visit www.speedpass.com or call 1-888-994-9904 to activate a new or replacement transponder. *White or blue panel placement may vary depending on terminal type. ExxonMobil has completed the car wash roll out at selected locations. Please check www.speedpass.com for stations that accept Speedpass at the car wash.

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Section 2 | Speedpass

TM

How it Works, Customer Service and Limits How Speedpass Technology Works Speedpass radio-frequency sensors installed in the Outdoor Device dispensers and on special PIN pads inside the store communicate with transponders that are issued to customers. Customers’ transponders are linked to their pre-selected credit card account. Together, these devices provide instant authorization for fuel and car wash purchases at the pump, or fuel, food and other authorized product purchases inside the store. The Tiger/Pegasus light on the pump panel must stay on during Speedpass fueling. If this light is on when fueling begins, then goes off before the customer has finished fueling, the pump will stop. Advise the customer that Speedpass failed to complete the transaction and they need to come inside for assistance. (See Terminal Messages, page 2.5 – 2.6.) Note: ExxonMobil Gift Cards, Debit cards that require PINs and some third-party fleet cards that require driver ID and/or odometer input do not work with the Speedpass at this time.

Speedpass Customer Service Center............... 1-87-SPEEDPASS (1-877-733-3727) Activation, Lost or Stolen..................................................................................... Anytime Customer Service/Enrollment....................................... 5am – 11pm CST, 7 days a week Business/Commercial...................................................................7am – 6pm CST, M – F Suspected Speedpass Fraud....................................... 7am – 11pm CST, 7 days a week

Speedpass Speedpass Equipment Problems..................... Contact Site System Help Desk Support

Outdoor Device Speedpass Limits • E xxonMobil Consumer Speedpass has a maximum sale amount of $125. • ExxonMobil Business Speedpass has a maximum sale amount of $175. • ExxonMobil Fleet Speedpass has a maximum sale amount of $400. • S  tore & Forward Limit applies when Store & Forward is active (except for Visa Fleet cards tied to Speedpass).

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Section 2 | Speedpass

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Store & Forward and Inside Speedpass Speedpass Store & Forward For maximum Speedpass effectiveness, you should activate Store & Forward. Then, if the system goes down, your terminal will “store” the Speedpass transaction information and automatically “forward” it when the system becomes available (see page 1.12). If Store & Forward has been disabled, Speedpass will not be available when the Site System is down. Follow the manual Unpaid submission instructions on page 1.13 for Unpaid Store & Forward sales or sales that stored but did not forward.

Additional Specifications Key Tag Transponder • Read distance: Works within 3 inches of “Place Speedpass Here” area. • Time out: Pump must be activated within 60 seconds or the Speedpass sale will be “Timed Out.” Car Tag Transponder • Installation: With the Speedpass logo facing up, attach the transponder to the inside of the vehicle’s rear windshield on the same side as the fuel fill cap. • Read distance: Works within 3 to 5 feet from the center of the pump. • Time out: Pump must be activated within 3 minutes or the Speedpass sale will be “Timed Out.” • Car Tag Battery: Lasts for approximately 5 years. Replacement batteries (Maxell CR2023) can be purchased at most stores or ordered through the Speedpass Customer Service Center. ExxonMobil Fleet • Account drivers will be prompted to enter their ID and/or odometer reading.

continued on next page >

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Section 2 | Speedpass

TM

Inside Speedpass and Unpaid Speedpass Sales Inside Speedpass For faster service in the Convenience Store (C-store), the customer can point the Speedpass Key Tag transponder in front of the white or blue square on the inside Speedpass reader. When the Speedpass reader light lights up and the sale is processed, a receipt will print. To buy gasoline and C-store merchandise all on one ticket, the customer should begin fueling without activating the pump using their Speedpass Key Tag. (At some locations, the pump may need to be activated from inside). When the Speedpass reader lights up and the sale is processed, a receipt will print.

Additional specifications • A receipt is automatically printed for all C-store transactions purchased with a Speedpass Key Tag. • For C-store items and non-installed automotive products, the maximum sale is $125. • When the total sale amount is $75 or more (for example: $55 for candy and oil-to-go, plus $28 fuel), a signature line is printed on the receipt, and the customer is required to sign. Check an ID in all states except the District of Columbia. Visually verify the customer identity and signature. • No signature is required for sales less than $75. • The maximum inside Speedpass sales limit is $250.00 (Convenience items are limited to $125 on ExxonMobil Consumer and Business Speedpass sales. Preparing multiple Sales Tickets in an attempt to evade credit authorization requirements or maximum purchase limits specified in the Card Guide is expressly prohibited and such Sales Tickets may be charged back.) • Fleet Card Purchase Restrictions are applied by the Site System to Speedpass transactions as well. For example, if the account is designated FUEL ONLY; the system will not allow the sale of car washes, snacks, etc. • Signed Inside Speedpass receipts must be retained 7 months.

Processing an Unpaid Speedpass Sale If there is a Speedpass sale and it goes unpaid and cannot be forwarded through the system, follow the manual Unpaid submission instructions on page 1.13.

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Section 2 | Speedpass

TM

Terminal Messages SP Outdoor Terminal Messages See Cashier: When a “See Cashier” message appears on the outside device and on the inside console, an additional message will appear on the inside console to help identify the reason.

SP Indoor Terminal Error Messages When the pump has stopped for one of the reasons described below, you must advise the customer that Speedpass failed to complete the transaction and they need to come inside for assistance. SP Not Active: The customer must call 1-888-994-9904 to activate a new or replacement Speedpass transponder. Activation is immediate, so the customer should be allowed to call from your station. Alternatively, the card or transponder may have been reported lost or stolen, in which case the customer should call for an explanation. SP Expired Card: The credit card assigned to the Speedpass has expired. The customer should call 1-888-994-9904 and provide a new expiration date for the card. Activation is immediate, so the customer should be allowed to call from your station. Invalid Speedpass: The Speedpass account may not be set up. Have the customer retry and if the message recurs, the customer should call 1-888-994-9904 for an explanation. Pick Up Card: Occasionally, this message may be forwarded through the Site System from a bank or other third-party card issuer. DO NOT PICK UP the customer’s Speedpass Transponder! Simply handle this situation as a “Sale Denied” and request another method of payment. Daily Outdoor Device Limit Exceeded: Customer exceeded 24-hour Speedpass transaction limit at a Outdoor Device. Customer can elect to go inside for assistance or use another method of payment. SP Read Error: The Speedpass system failed to read the transponder signal. Advise the customer that another form of payment may be necessary, but they may try their transponder again. If the error message recurs, process all sales with the other method of payment; then call 1-87-SPEEDPASS (1-877-733-3727). Invalid Transponder Read or Unknown Tag: Some car keys and remotes now contain similar chip technology to Speedpass transponders. Occasionally, one of these devices will interfere with the Speedpass transaction. The pump will stop, and one of these messages will appear on your terminal. Suggest to the customer that, when using Speedpass in the future, they use their hand to shield their car key or remote from the Speedpass panel. ExxonMobil Card Guide 02/14

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Section 2 | Speedpass

TM

Other Messages, Managing Transactions and Lost Transponders Other Messages SP Sale Timed Out: The dispenser will remain active for 60 seconds after being activated by the Key Tag and for 3 minutes after being activated by the Car Tag. If the customer has not started pumping before the time expires, the dispenser will return to normal operation, the Speedpass reader light will turn off, and the “SP Sale Timed Out” message will appear at the pump and on the inside register. The customer must reactivate the dispenser by waving their Key Tag or by selecting another payment method. If the customer is using a Car Tag, you can authorize the sale by restarting the dispenser. The Car Tag must still be within the pump’s read range. SP Unavailable: the Speedpass system has been disabled at your station. The customer must process the transaction using the inside Speedpass unit or use another method of payment. Contact Site System Help Desk Support immediately for instructions to enable your Speedpass system.

Tracking Speedpass Transactions Speedpass transactions can be tracked via your end-of-day report. Speedpass transactions appear the same as other transactions on the local Transaction Report and they are coded with the Identifier of the card/account assigned as the Speedpass payment method (see Section 1 for Sale Type Identifiers).

Canceling an Outdoor Device Speedpass Sale If the customer has activated the pump with their Speedpass and wants to choose a different method of payment before pumping their fuel, then they should simply press the “Cancel” key, press “Yes” to confirm, then choose another payment method. If the customer wants to change the payment method after pumping their fuel, they must come inside so the Speedpass transaction can be canceled and the sale can be reprocessed using an alternative payment method. For assistance cancelling a Speedpass transaction, contact Site System Help Desk Support.

Lost, Stolen and Found Transponders To report a lost or stolen transponder, customers should immediately call 1-87-SPEEDPASS (1-877-733-3727). Likewise, if a transponder is left at the station, ExxonMobil should be notified using the same number. In either event, Customer Service will deactivate the transponder and issue a replacement to the customer.

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Section 2 | Speedpass

TM

Troubleshooting and Ordering Demo Transponders Troubleshooting Problem

Solutions

Key Tag doesn’t turn “on” Speedpass reader light

• Use your station’s Key Tag test transponder. The light should flash on for only a second, then go off. If it doesn’t, contact Site System Help Desk Support. • Check all pumps daily with the Speedpass test transponder. • If the customer’s Speedpass has already been activated and the Speedpass reader light still does not light up, check other terminals to ensure there are no equipment issues. As a last resort, the customer should call 1-87-SPEEDPASS to report the problem and request a replacement.

Car Tag doesn’t turn “on” Speedpass reader light

• Verify the Car Tag is located in the bottom of the rear window, on the side of the fuel fill, except for center fuel fill cars, in which the Car Tag should be located at the bottom center of the rear window. • Check that vehicle is parked so the Car Tag is within 3 to 5 feet of the pump. • Try using the station’s Car Tag test transponder. If the light does not go on with the test tag, ask the customer to use another pump; then contact Site System Help Desk Support. If the light goes on with the test tag, the customer’s Car Tag battery has failed (see page 2.3).

Ordering Demo (Test) Transponders Branded Wholesalers (Dealers of Branded Wholesalers must have their Branded Wholesaler order these): • Access RPM via the portal at www.exxonmobil.com/online • Click on My Store > Items > Speedpass > Speedpass Demo Transponders

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EXXONMOBIL CARD GUIDE

Section 3 Acceptable Cards Acceptable Cards...........................................................3.0

Retailer Tips and General Authorization Rules......... 3.1 – 3.2



ExxonMobil Cards....................................................3.3 – 3.6



ExxonMobil Fleet Cards............................................ 3.7 – 3.8



ExxonMobil Gift and Prepaid Cards....................... 3.9 – 3.10



Esso Fleet and Business....................................... 3.11 – 3.12

CarCareONE.......................................................... 3.13 – 3.14

Fuelman Fleet Card............................................... 3.15 – 3.17



American Express.................................................. 3.18 – 3.19

Discover, JCB, Diners Club, BCcard and China Union Pay (CUP).................................3.20 – 3.22

Visa and MasterCard............................................3.23 – 3.25



Visa and MasterCard Fleet...................................3.26 – 3.27

WEX, ExxonMobil Universal Card and ExxonMobil Fleet National Card....................3.28 – 3.29 Voyager.................................................................3.30 – 3.31

Debit Cards...........................................................3.32 – 3.33

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Section 3 | Acceptable Cards

Retailer Tips and General Authorization Rules Notification of Disclosure: In the event that card numbers are disclosed, or suspected to have been disclosed, to unauthorized persons, the Retailer or Branded Wholesaler must notify Site System Help Desk Support. If you have questions about what must be reported you may call Site System Help Desk Support or email [email protected]. • Swipe Card: All cards must be swiped through the Site System before a sale is made on a paper ticket. (See also Section 10, paragraph 32) • Follow the Bad Mag Stripe and Manual Authorization Procedures found in Section 1. • Check Expiration Date: Card is valid through the last day of the month and year indicated, unless the card is no longer acceptable. • The Card Guide Issuer (which term shall include its successors, transferees and assigns) will not accept submission of sales tickets, unless the actual sale occurred at the outlet imprinted on the sales ticket, and the outlet was authorized to accept the credit cards specified in the Card Guide. • Retailers and Branded Wholesalers are not authorized to submit sales tickets obtained from any other person (regardless of whether the tickets are obtained by purchase, exchange, or otherwise), except a Branded Wholesaler that is authorized to submit tickets from those retailers to which the Branded Wholesaler supplies products branded with an ExxonMobil mark. • Authorization: Neither Card Sales Authorization nor Authorization waives The Card Guide Issuer right to require compliance with other sections of the Card Guide. See Section 10, paragraphs 22-35 for additional authorization procedures. • Convenience Limit: Purchases of Convenience Merchandise in any single ExxonMobil Gift Card, CarCareONE Card, ExxonMobil Consumer/Business Card or Speedpass sale may not exceed one hundred twenty-five dollars ($125.00) per transaction. See Section 10 for definition of convenience items. Preparing multiple Sales Tickets in attempt to evade credit authorization requirements or maximum purchase limits set out in the Card Guide is expressly prohibited and such Sales Tickets may be charged back.

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Section 3 | Acceptable Cards

Retailer Tips and General Authorization Rules

(continued)

• Call ExxonMobil (non-fleet cards) Sales Authorization: If instructed by the Site System to “Call Card Sales Authorization,” call 1-800-231-4674 for telephone authorization. DO NOT tell the customer that their card is not valid unless instructed to do so by Card Sales Authorization. • All Cards: If the sale is declined, you should ask the customer for another form of payment. Do not pick up the card. • Customer Service: If a customer needs assistance or has questions regarding their card account, or has questions about the status of their cards, please direct them to contact the Customer Service number on the back of their card. • Minimum/Maximum Transaction Amounts are prohibited on debit, signature debit and prepaid Card transactions. Retailers may set a minimum value of no more than $10.00 to accept a credit Card. The minimum value requirement must apply to all payment card networks. Retailers must not establish a maximum transaction amount as a condition for honoring a MasterCard or a Visa card.

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Section 3 | Acceptable Cards

ExxonMobil Personal Cards

Card Sales Authorization Number.............................1-800-231-4674 (See Section 4 for procedures.)

Important Processing Information All ExxonMobil Cards Authorization Procedures

Electronic Processing

Paper Processing

Yes

Yes

(Manual Key Available)

• Authorization is required for all electronic sales. • Each sale should be processed and authorized electronically. • Call Card Sales Authorization if instructed to do so.

• If paper ticket sale is $45 or greater, call Card Sales Authorization for authorization. • Imprint the card, date and amount of the sale. Verify that the information on the credit card and your imprinter plate is legible.

Purchases of Convenience items and ExxonMobil Gift Cards are limited to $125. ExxonMobil Cards are not acceptable for sales of gasoline or diesel fuel (excluding bio diesels and E85) unless the gasoline or diesel fuel is branded with an ExxonMobil mark. ExxonMobil Cards are acceptable for sales of gasohol, E85, bio diesels or other synthetic motor fuel of similar usability. Check the signature panel: You may honor the card if the signature on the sales ticket is the same as the signature on the back of the card. Check ID in all states except for the District of Columbia: Visually verify the customer’s identity and signature and if the customer’s signature is illegible, record the Driver’s License number on the Electronic Sales Ticket only if permitted by law in your state (see page 8.13). To report suspicious activity, call 1-800-344-4355. For additional details, please review page 8.18. Note: If the Site System is down and your station does not have, or has not activated, Store & Forward (see page 1.12), process sale manually. Call Card Sales Authorization on all sales of $45 or more. See Section 5 for how to submit the imprinted sales manually.

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Section 3 | Acceptable Cards

ExxonMobil Preferred Credit Cards

Card Sales Authorization Number.............................1-800-231-4674 (See Section 4 for procedures.)

Important Processing Information All ExxonMobil Cards Authorization Procedures

Electronic Processing

Paper Processing

Yes

Yes

(Manual Key Available)

• Authorization is required for all electronic sales. • Each sale should be processed and authorized electronically. • Call Card Sales Authorization if instructed to do so.

• If paper ticket sale is $45 or greater, call Card Sales Authorization for authorization. • Imprint the card, date and amount of the sale. Verify that the information on the credit card and your imprinter plate is legible.

Purchases of Convenience items and ExxonMobil Gift Cards are limited to $125. ExxonMobil Cards are not acceptable for sales of gasoline or diesel fuel (excluding bio diesels and E85) unless the gasoline or diesel fuel is branded with an ExxonMobil mark. ExxonMobil Cards are acceptable for sales of gasohol, E85, bio diesels or other synthetic motor fuel of similar usability. Check the signature panel: You may honor the card if the signature on the sales ticket is the same as the signature on the back of the card. Check ID in all states except for the District of Columbia: Visually verify the customer’s identity and signature and if the customer’s signature is illegible, record the Driver License number on the Electronic Sales Ticket only if permitted by law in your state (see page 8.13). To report suspicious activity, call 1-800-344-4355. For additional details, please review page 8.18. Note: If the Site System is down and your station does not have, or has not activated, Store & Forward (see page 1.12), process sale manually. Call Card Sales Authorization on all sales of $45 or more. See Section 5 for how to submit the imprinted sales manually.

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Section 3 | Acceptable Cards

ExxonMobil Business Cards ‡

Business

1234 5678 9012 3456 34 456 1234 R J.. Q. CUSTOMER CARDHOLDER SINCE

20122 2012

CARD NO EXPIRES END OF

001 12/15 12 /15

Card Sales Authorization Number.............................1-800-231-4674 (See Section 4 for procedures.)

Important Processing Information All ExxonMobil Cards Authorization Procedures

Electronic Processing

Paper Processing

Yes

Yes

(Manual Key Available)

• Authorization is required for all electronic sales. • Each sale should be processed and authorized electronically. • Call Card Sales Authorization if instructed to do so.

• If paper ticket sale is $45 or greater, call Card Sales Authorization for authorization. • Imprint the card, date and amount of the sale. Verify that the information on the credit card and your imprinter plate is legible.

Purchases of Convenience items and ExxonMobil Gift Cards are limited to $125. ExxonMobil Cards are not acceptable for sales of gasoline or diesel fuel (excluding bio diesels and E85) unless the gasoline or diesel fuel is branded with an ExxonMobil mark. ExxonMobil Cards are acceptable for sales of gasohol, E85, bio diesels or other synthetic motor fuel of similar usability. Check the signature panel: You may honor the card if the signature on the sales ticket is the same as the signature on the back of the card. Some business cards will be signed with the company name but the person using the credit card must sign the ticket. Tickets signed with the company name or initials are subject to chargeback. Check ID in all states except for the District of Columbia: Visually verify the customer’s identity and signature and if the customer’s signature is illegible, record the Driver License number on the Electronic Sales Ticket only if permitted by law in your state (see page 8.13).

continued on next page >

‡ See

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Section 3 | Acceptable Cards

ExxonMobil Business Cards (continued) To report suspicious activity, call 1-800-344-4355. For additional details, please review page 8.18. ‡ S ingle

Station card applicants must complete an ExxonMobil Business Application including the Single Station card account section. The card will be mailed to the customer, who then will deliver the card to the location. The Single Station card must remain at the location and must be replaced if the retailer moves to a new site and/or if the station is converted to a new store number. Note: If the Site System is down and your station does not have, or has not activated, Store & Forward (see page 1.12), process sale manually. Call Card Sales Authorization on all sales of $45 or more. See Section 5 for how to submit the imprinted sales manually.

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Section 3 | Acceptable Cards

ExxonMobil Fleet Cards



‡ Business Fleet

123456 123456 78901 2345 5 6 ABC ABC INC IN NC 2010 2010 0 SEDAN SEDAN CUSTOMER CUSTOMER

EXPIRES AT END OF

CARD NO EXPIRES END OF

10/15 10/15 5

000000

Card Sales Authorization Number............................ 1-800-622-9882

Important Processing Information ExxonMobil Fleet Cards Authorization Procedures

Electronic Processing

Paper Processing

Yes

Yes

(Do NOT Manual Key)

• Authorization is required for all electronic sales.

• All paper ticket sales must be authorized by phone.

• Each sale should be processed and authorized electronically.

• Authorization may require the card user to provide a Driver ID number. If a Driver ID number is required but is not provided, the sale will be declined.

• Any sale requiring Driver ID must have a Driver ID verification entered. • If NO Driver ID is entered when prompted at the pump, then sale will be referred inside.

Fleet Reporting • PIN pad must be available for input of Requirements driver-initiated entries (e.g., odometer, Driver ID). • All products purchased must be appropriately entered as separate items (e.g., TBA and service work).

• Imprint the card, date and amount of the sale. Verify that the information on the credit card and your imprinter plate is legible. • Driver initiated entries MUST be recorded in the appropriate boxes on the sales ticket (e.g., odometer, vehicle number). No Driver ID should be recorded. • Accurately detail all products on the ticket. DO NOT combine all products into one dollar amount. • Record fuel quantity, grade, and dollar value on the ticket.

‡ See

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Section 3 | Acceptable Cards

ExxonMobil Fleet Cards (continued) Authorization may require the card user to provide a Driver ID number. If a Driver ID number is required but is not provided, the sale will be declined. For processing instructions, see page 1.13 for Unpaid Sales and Store & Forward Rejects and Section 5 for manually imprinted paper tickets.

ExxonMobil Fleet Card Authorization Procedures 1. Call 1-800-622-9882. 2. Follow voice prompts and enter the following information: –– Customer account number –– Driver ID provided by the driver making the purchase (if applicable) –– Amount of sale 3. If the sale is approved, take an imprint of the customer card, record the authorization code, products purchased, and have the customer sign the manual ticket. If the sale is declined, request another form of payment. ExxonMobil Fleet Cards are NOT acceptable for sales of ANY gift cards, including ExxonMobil Gift Cards. Do not manually key ExxonMobil Fleet card sales. These sales must be processed manually on a paper ticket. For processing instructions, see page 1.13 for Unpaid Sales and Store & Forward Rejects and Section 5 for manually imprinted paper tickets. ExxonMobil Fleet cards may have specific product limitations (e.g., Fuel Only, Fuel and Oil Only, etc.) printed or embossed on the Card. Sales transactions with any other products are subject to chargeback. ExxonMobil Fleet Cards are NOT acceptable for sales of gasoline or diesel fuel (excluding bio diesels and E85) unless the gasoline or diesel fuel is branded with an ExxonMobil mark. The ExxonMobil Fleet Cards are acceptable for sales of gasohol, E85, bio diesels or other synthetic motor fuel of similar usability. To report suspicious activity, call 1-800-622-9882. ‡ S ingle

Station card applicants must complete an ExxonMobil Fleet Application including the Single Station card account section. The card will be mailed to the customer, who then will deliver the card to the location. The Single Station card must remain at the location and must be replaced if the retailer moves to a new site and/or if the station is converted to a new store number.

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Section 3 | Acceptable Cards

ExxonMobil Gift and Prepaid Cards

The ExxonMobil suite of Prepaid Cards includes the ExxonMobil Gift Card, the ExxonMobil Promotional Reward Card and the ExxonMobil FuelCircle Reward Card. The ExxonMobil Gift Card will be available in two different versions – the ExxonMobil Pre-Denominated Gift Card (set value of $10, $25, $50 or $100) as well as a NonDenominated ExxonMobil Gift Card that can have any value between $5 and $500 loaded onto it. The Non-Denominated ExxonMobil Gift Cards will be reloadable at the station. Both ExxonMobil Gift Card versions will be available for a period of time. An ExxonMobil Prepaid Card is an electronic prepayment for goods and services that can be used at Exxon and Mobil sites to pay for motor fuel, all convenience products (EXCEPT LOTTERY TICKETS IN CERTAIN LOCATIONS AND MONEY ORDERS), fast food, and automotive parts and labor. Each time an ExxonMobil Prepaid Card is used, the amount of the purchase is deducted from the prepayment. A card with a zero balance cannot be used. The purchase of an ExxonMobil Gift Card at the station is not taxable because it is a prepayment for goods and services to be delivered at a future date. Taxes are collected as the card is used and the goods and services are delivered.

Processing Fee There is a 10 cent per transaction retailer processing fee when customers use these cards to make a purchase. All Site Systems currently accept the ExxonMobil Prepaid Cards as a form of payment. Retailers are not charged a processing fee when acceptable credit and debit cards are used to purchase ExxonMobil Gift Cards as long as the appropriate product codes are programed correctly. This means that when your customers buy a $25 ExxonMobil Gift card using a Visa Card (for example), you will pay only the $25 cost of the card and not the $25 cost plus the Visa processing fee.

Important Notes • All Gift Card transactions must be completed on the Site System connected to the network. PAPER SALES TICKETS ARE NOT ACCEPTABLE. If the Site System cannot accept the sale, an alternate form of payment is required. continued on next page >

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Section 3 | Acceptable Cards

ExxonMobil Gift and Prepaid Cards (continued) • Balance Inquiry available. • ExxonMobil Fleet, ExxonMobil Universal, ExxonMobil Fleet National, Voyager, WEX, ESSO Fleet or Business, and ExxonMobil Gift cards are not acceptable for the purchase of ExxonMobil Gift or Prepaid cards. • No station can sell more than $10,000.00 in Gift or Prepaid cards to a single person in a single day. • ExxonMobil Prepaid Cards do not qualify for Store & Forward. • Refunds to a Gift Card are not allowed. A Gift card may be issued as a refund but a sale cannot be refunded back to the card. • ExxonMobil Non-Denominated Gift Cards CAN be reloaded with value. Existing pre-denominated ExxonMobil Gift Cards CANNOT be reloaded with value. • To help ensure compliance with state laws, cash should be given back to any cardholder if the remaining balance on their gift card is $10 or less and they request cash back. If you are able to provide cash back upon request from a customer with a remaining balance of $10 or less on their gift card, please do so. If you are unable to provide the cash back at the station, please direct the cardholder to SVM and SVM will provide a refund to the cardholder for balances of $10 or less. Please have the customer contact SVM at: –– Phone: 1-800-972-7481 –– Email: [email protected] –– Website: www.svmcards.com For questions about ExxonMobil Gift & Prepaid Card authorization, card operability or malfunctions, call 1-866-462-8646. For questions about Card settlement, call Retailer Inquiries at 1-800-413-9966.

An ExxonMobil Prepaid Card with a Bad Magnetic Stripe If the Site System is unable to “read” the data from the magnetic stripe after three swipes, follow the Bad Mag Stripe/Manual Key instructions on page 1.14 – 1.15.

Unpaid Sales Except for Unpaid sales, manually imprinted ExxonMobil Prepaid Card transactions are not allowed. See page 1.13 for instructions to submit unpaid transactions. If the sale is not submitted immediately and the value of the ExxonMobil Prepaid Card is exhausted, the sale is subject to chargeback or no reimbursement.

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Section 3 | Acceptable Cards

Esso Fleet and Business Cards Business Card Carte d’ Affaires

123456 123456 78901 2345 5 6 ABC IN NC 2010 0 SEDAN CUSTOMER

Not Restricted

Restricted to Fuel, Top Up Fluids and Car Washes

EXPIRES AT END OF EXPIRE À LA FIN DE

000000

10/15 10/15 5

Can be Restricted or Not Restricted

Authorization Number.................................................... 1-800-559-1573

Important Processing Information Esso Fleet and Business Cards Authorization Procedures

Electronic Processing

Paper Processing

Yes

No

(Do NOT Manual Key)

• Authorization is required for all electronic sales. • Each sale should be processed and authorized electronically. • Call Card Sales Authorization if instructed to do so.

• No Manual Paper Tickets Allowed under any circumstances. Electronic authorization only. If the system is down, ask for another form of payment.

Fleet Reposting • The PIN Pad MUST be available for input of driverRequirements initiated entries (e.g., Driver ID, Odometer). • All products purchased must be appropriately entered as separate items with the correct product codes. Attempted sales of restricted products will not be authorized.

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Section 3 | Acceptable Cards

Esso Fleet and Business Cards (continued) Do not manually key Esso Fleet or Business card sales. See page 1.13 for instructions to submit Esso Fleet and Business Unpaid sales. To report suspicious activity, call 1-800-267-0156. Speedpasses linked to Esso Business and Fleet card accounts are not acceptable at US Exxon or Mobil stores. Esso Fleet and Business cards are not acceptable for sales of any gift or prepaid cards, including ExxonMobil Gift cards. Esso Business and Fleet Cards are not acceptable for sales of gasoline or diesel fuel (excluding bio diesels and E85) unless the gasoline or diesel fuel is branded with an ExxonMobil mark. Esso Business and Fleet Cards are acceptable for sales of gasohol, E85, bio diesels or other synthetic motor fuel of similar usability.

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Section 3 | Acceptable Cards

CarCareONE Cards*

Card Sales Authorization Number............................. 1-800-357-1839

Important Processing Information All CarCareONE Cards Authorization Procedures

Electronic Processing

Paper Processing

Yes

No

(Manual Key Available) **

• Authorization is required for all electronic sales. • Each sale should be processed and authorized electronically. • Call for authorization if instructed to do so.

• Follow the Bad Mag Stripe or Manual Authorization procedures from Section 1 if necessary. • NEVER submit a paper ticket for payment.

• Convenience Item sales limit of $125 per transaction (see page 3.1). Check the signature panel: You may honor the card if the signature on the sales ticket is the same as the signature on the back of the card. Some business cards will be signed with the company name but the person using the credit card must sign the ticket with his or her own name. Tickets signed with the company name or initials are subject to chargeback. Check ID in all states except for the District of Columbia: Visually verify the customer’s identity and signature and if the customer’s signature is illegible, record the driver’s license number on the Electronic Sales Ticket, only if permitted by law in your state (see page 8.13). *All cards are easily identified by looking for the CarCareONE service mark in the lower right corner of any participating card. **The expiration date is not embossed on CarCareONE cards. Customers must enter 1299 as the expiration date.

continued on next page >

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Section 3 | Acceptable Cards

CarCareONE Cards (continued) Retailers and Branded Wholesalers shall permit representatives of the issuer of CarCareONE cards to review and obtain copies of all documents and records relating to CarCareONE transactions.

Note: If the Site System is down: 1. C  all for authorization on all sales, if requested provide Merchant number 5348-1206-1000-0002. 2. C  omplete a paper ticket for support. Imprint a paper ticket ensuring that the customer’s account number, total amount, current date, and information on your imprinter plate is legible. NEVER submit a paper ticket for payment. For sales of gasoline or diesel fuel that are not branded with an ExxonMobil mark (except sales of gasohol and other synthetic motor fuels of similar usability) the CUSTOMER’s copy of the Sales Ticket must be stamped “Not Exxon Fuel” or “Not Mobil Fuel”. The words must be stamped in red ink and be at least 36 points boldface (1/2 inch in height). This requirement also applies to receipts from the customeractivated card readers in dispensers. To report suspicious activity, call 1-800-333-1082 or 1-800-268-9131.­­

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Section 3 | Acceptable Cards

Fuelman Fleet Card





The Fuelman Fleet and FleetWide Fleet Cards can be accepted by Authorized Retailers ONLY. Sign up by calling 1-866-339-0002 or emailing [email protected]

Authorization Number.....................................................1-800-877-9013

Important Processing Information Fuelman Fleet Card Authorization Procedures

Electronic Processing

Paper Processing

Yes

No

(Manual Key Available) *

• All sales must be authorized. Each sale should be processed and authorized electronically.

• All sales must be authorized.

• If card is not readable, the sale should be processed utilizing the manual key function.

• You will NEVER submit a paper ticket for payment. Calling for authorization will record the transaction. Keep paper for your records and give copy to driver.

• Never process a Fuelman Fleet transaction as “prepay” because the product code is not captured. • All “Void/Reversal” transactions must be processed for the full amount of the transaction and then followed by the correct transaction. • Fuelman Fleet transactions do not qualify for Store & Forward processing.

• If the Site System IS down, follow the **Voice Authorization process below.

• All Unpaid Sales and Store & Forward Rejects (transactions that are rejected and not included in your settlement totals) must be processed by calling 1-800-877-9013. • Fuelman Fleet transactions do not qualify for Store & Forward processing.

*The expiration date is not embossed on Fuelman Fleet cards. If a Fuelman Fleet card is manually keyed, enter 1299 as the expiration date for these cards. †Any card displaying the Fuelman logo in the lower right hand corner is acceptable. continued on next page >

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Section 3 | Acceptable Cards

Fuelman Fleet Card (continued)

Important Processing Information Electronic Processing Fleet Reporting Requirements

• PIN Pad must be available for input of driver-initiated entries.

(continued)

Paper Processing • Follow **Voice Authorization process for all non-electronic transactions.

• Driver will be prompted for Odometer, Driver ID and possibly a third prompt. • Fuelman Fleet sales made under a “miscellaneous” key instead of a valid product code are subject to chargeback. If the Site System is down you must manually imprint the Fuelman Fleet Card on a paper ticket and call for **Voice Authorization. Carefully follow the instructions below.

**Voice Authorization: Carefully Follow The Instructions Below Imprint the Fuelman Fleet Card and record the following information on the paper ticket: –– Write “Fuelman” on the ticket along with type of fuel and product code. –– Number of gallons to the hundredth (for example, 11.56) and price per gallon. –– Total dollar amount of sale and vehicle odometer reading (not all zeroes). –– Include any authorized non-fuel products and clearly print driver’s name on ticket (driver is not required to sign the ticket). 1. Call 1-800-877-9013 while driver is present. 2. The Authorization Center will ask for the information on the paper ticket and to speak with the cardholder to obtain the Driver ID Number. 3. Write the authorization number on the paper sale ticket. 4. Give a copy to the customer and keep a copy for the store. 5. The voice authorization captures the transaction. continued on next page >

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Section 3 | Acceptable Cards

Fuelman Fleet Card (continued) NEVER MAIL THE PAPER TICKETS IN FOR PAYMENT. 6. Include any voice authorization paper tickets with your end-of-shift and end-of-day sales report to insure proper reconciliation. For sales of gasoline or diesel fuel that are not branded with an ExxonMobil mark (except sales of gasohol and other synthetic motor fuels of similar usability) the customer’s copy of the Sales Ticket must be stamped “NOT EXXON FUEL” or “NOT MOBIL FUEL.” The words must be stamped in red ink and be at least 36 points boldface (1/2 inch in height). This requirement also applies to receipts from the customer-activated card readers in dispensers. Fuelman Fleet Cards will be accepted only at Exxon and Mobil retail sites that have signed a card acceptance agreement with FleetCor Technologies, the issuer of the card. Fuelman Fleet transactions will not be settled through the ExxonMobil card settlement process: • Fuelman Fleet transactions will be paid to the site directly by FleetCor. For questions regarding this settlement, contact FleetCor at 1-866-339-0002 or e-mail [email protected]. • To aid in reconciliation with your ExxonMobil card settlement, Fuelman Fleet transactions are individually listed in the “Miscellaneous” section of the Card Settlement Summary Report. Transactions are preceded with an “FC”. Transaction amounts are not included in your ExxonMobil settlement.

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Section 3 | Acceptable Cards

American Express

Authorization Number.................................................... 1-800-528-2121 American Express Gold, Blue, Platinum, Corporate and Optima Cards are also acceptable with the same authorization requirements as the card shown.

Important Processing Information All American Express Cards Authorization Procedures

Electronic Processing

Paper Processing

Yes

Yes

(Manual Key Available)

• Authorization is required for all electronic sales.

• Authorization is required on all paper ticket sales.

• Each sale should be processed and authorized electronically.

• Imprint the card, date and amount of the sale. Verify that the information on the credit card and your imprinter plate is legible.

• If card is not readable, the sale should be processed utilizing the manual key function.

• Sales $50 and less do not require a signature unless they are manually keyed or processed on a Paper Sales Ticket. Retain Sales Tickets for $50 and less with no signature in case a ticket request is received. • American Express issues cards which are not embossed (the customer name and account number is printed on the card but the lettering is not raised). These are valid cards. These cards may only be used electronically. Do NOT manually key or imprint on a paper ticket cards that are not embossed.

continued on next page >

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Section 3 | Acceptable Cards

American Express (continued) AmEx Authorization Procedure 1. Follow the prompts. 2. Merchant Number 324 840 0293. 3. If sale is approved, take an imprint of the customer card, record the authorization code, products purchased and have customer sign the manual sales ticket. If sale is declined, request another form of payment. To report suspicious activity, call 1-800-528-2121 and ask for a “Code 10” authorization. See 8.18 for details.

Program Requirements 1. The card must appear to bear the signature of the person whose name is embossed on the face of the card. The American Express Card is not transferable. For example, a person may not use their spouse’s card. 2. The sales ticket must be signed by the Cardmember in your presence with a signature that reasonably appears to be the same as that written on the signature panel of the Card. 3. You may check Driver’s License in all states except for the District of Columbia. Visually verify customer’s identity and signature. If signature is illegible, record the Driver License number on the Electronic Sales Ticket only if permitted by law in your state (see page 8.13). 4. American Express Cards with the “Valid Only in Mexico” or “Brazil” embossed on the face of the card may not be accepted. For sales of gasoline or diesel fuel that are not branded with an ExxonMobil mark (except sales of gasohol and other synthetic motor fuels of similar usability), the customer’s copy of the Sales Ticket must be stamped “Not Exxon Fuel” or “Not Mobil Fuel”. The words must be stamped in red ink and be at least 36 points boldface (1/2 inch in height). This requirement also applies to receipts available from customeractivated card readers in dispensers. Dealers participating in the American Express Credit Card program accept American Express’ authority to impose special conditions. Specifically, they may cancel participation in the program, or assert their right to full recourse for any charge identified as fraud. NOTE: If the Site System is down and your station does not have, or has not activated, Store & Forward (see page 1.12), process sale manually. Call for authorization on all sales. See Section 5 for how to submit the imprinted sales manually.

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Section 3 | Acceptable Cards

L 000 0 JPC 000 YL 0000 JPC 000 YL 0000 JPC 000 YL 0000 JPC 000 YL 0000 JPC 000 YL 0000 JPC 000YL 0000 JPC 000 YL 0000 JPC 000 0Y YL 00

000 YL

JPC 000

YL 0000

0000 JPC

JPC 000YL

0000

JPC 00 0 YL

00 00

PC

JPC 000 YL 0 000 00 JP C 0 00 YL 00

J

Discover

000 YL

JPC 000

YL 0000

0000 JPC

YL 0000

JPC 000 YL 0 00 0 JPC 00 000 YL 00

0000

0000 JPC 00 0 JPC 0 00 Y L

00 00

C JP

L 000 0 JPC 000 YL 0000 JPC 000 YL 0000 JPC 000YL 0000 JPC 000 YL 0000 JPC 000 YL 0000 JPC 000 YL 0000 JPC 000 YL 0000 JPC 000 0Y YL 00

Authorization Number...................................................... 1-800-347-1111

Important Processing Information All Discover Cards Authorization Procedures

Electronic Processing

Paper Processing

Yes

Yes

(Manual Key Available)

• Authorization is required for all electronic sales.

• Call for authorization on all paper ticket sales.

• Each sale should be processed and authorized electronically.

• Imprint the card, date and amount of the sale. Verify that the information on the credit card and your imprinter plate is legible.

• If card is not readable, sale should be processed utilizing the manual key function.

• Sales $25 and less do not require a signature unless they are manually keyed or processed on a paper ticket. Retain sales receipts for $25 and less with no signature in case a ticket request is received. • Discover Prepaid and Gift Cards must be processed electronically. No paper tickets or manual key is allowed. These cards must be swiped through the Site System. If sales on these cards are manually keyed or processed on paper tickets, the sale is subject to chargeback. • Discover issues cards which are not embossed (the customer name and account number is printed on the card but the lettering is not raised). These are valid cards. These cards may be only used electronically. Do NOT manually key or imprint on a paper ticket cards that are not embossed.

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Section 3 | Acceptable Cards

Discover (continued) Discover Card Authorization Procedure 1. Call 1-800-347-1111 (Automated Service). 2. Follow prompts. 3. Merchant Number 60110 16176 54320. 4. If sale is approved, take an imprint of the customer card, record the authorization code, products purchased and have the customer sign the manual Paper Sales Ticket. If the sale is declined, request another form of payment. To correct an error or speak with a representative, enter 0. To report suspicious activity, call 1-800-347-1111 (choose option 3) or 1‑800‑347‑2000 and ask for a “Code 10” authorization.

Program Requirements 1. You may check Driver’s License in all states except the District of Columbia. Visually verify customer identity and signature. If signature is illegible, record the Driver License number only if permitted by law in your state on the Electronic Sales Ticket (see page 8.13). 2. If expiration date is present, make sure that it is valid. Do not accept expired cards. 3. Signature on the signature panel must be the same name as embossed on the card. 4. The sales ticket must be signed by the Cardmember, or authorized user, in your presence, with a signature that reasonably appears to be the same as that written on the signature panel of the card.

Please Note • If a referral response is received, your call will be automatically transferred to an Authorization Representative for quick resolution. • If the amount you have authorized is incorrect, or you need to void a previous authorization, press “0” to reach an Authorization Representative. You will be asked for merchant information and Discover Card information. • The Discover Card is issued for individual use.

continued on next page >

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Section 3 | Acceptable Cards

Discover (continued) • You may call 1-800-347-2000 to get a copy of Discover Card’s operating regulations, which will provide you additional detail regarding your procedural obligations. Press 3 and enter item number 32310. For sales of gasoline or diesel fuel that are not branded with an ExxonMobil mark (except sales of gasohol and other synthetic motor fuels of similar usability) the customer’s copy of the Sales Ticket must be stamped “Not Exxon Fuel” or “Not Mobil Fuel”. The words must be stamped in red ink and be at least 36 points boldface (1/2 inch in height). This requirement also applies to receipts from the customer activated card readers in dispensers. NOTE: If the Site System is down and your station does not have, or has not activated, Store & Forward (see page 1.12), process sale manually. Call for authorization on all sales. See Section 5 for how to submit the imprinted sales manually.

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Section 3 | Acceptable Cards

Bankcards: Visa and MasterCard

Authorization Number.................................................... 1-800-479-2757

Important Processing Information All Visa/ MasterCard Authorization Procedures

Electronic Processing

Paper Processing

Yes

Yes

(Manual Key Available)

• Authorization is required for all sales.

• Call for authorization on all paper ticket sales.

• Each paper ticket sale must be authorized by calling the authorization telephone number, regardless of the • If card is not readable, sale transaction value or type. should be processed using • Imprint the card, date and manual key option or a amount of the sale. Verify paper ticket. that the information on the credit card and your imprinter plate is legible. • Each sale should be processed and authorized electronically.

• Visa sales $25 and less and MasterCard sales $50 and less do not require a signature unless they are manually keyed or processed on a Paper Sales Ticket. Retain Sales Tickets for sales that do not require a signature in case a ticket request is received. • Visa and MasterCard issue cards which are not embossed (the customer name and account number is printed on the card but the lettering is not raised). The Chase Slate Visa card is embossed where only part of the customer account number will imprint on a paper ticket. These are valid cards. These cards may only be used electronically. D ­ o not Manually Key or Imprint on a Paper Ticket cards that are not embossed or cards where the full customer account number will not imprint on a paper ticket. continued on next page >

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Section 3 | Acceptable Cards

Bankcards: Visa and MasterCard (continued) Visa and MasterCard Authorization Procedures 1. Call 1-800-479-2757. 2. Follow the prompts (To report suspicious activity, press 2 for “Code 10”). Minimum/Maximum Transaction Amounts are prohibited on Visa and MasterCard debit and prepaid Card transactions. Retailers may set a minimum value of no more than $10.00 to accept a valid MasterCard or Visa credit Card. The minimum value requirement must apply to all payment card networks. Retailers must not establish a maximum transaction amount as a condition for honoring a MasterCard or a Visa card. Sales must be processed through the Site System or authorization obtained from the authorization number above and recorded on the paper ticket. All Cards are acceptable with the same authorization limits and procedures. This includes Canadian Cards and Eurocards. Visa and MasterCard cards may be honored for all authorized products and services, subject to the same procedures and limits that apply to ExxonMobil cards, except: 1. Y  ou may check Driver’s License in all states except for the District of Columbia. Visually verify customer’s identity and signature. However, you may not decline a sale based on identification alone. You may not record any of the information contained within the identification presented. When a transaction appears ‘risky’ for any reason, please perform a “Code 10” authorization (page 8.18). 2. T  he name signed on the sales ticket must be the same as the name signed on the back of the card. If the card has not been signed, you may ask for additional identification, as permissible by law, to verify user and signature only, and you should ask the customer to sign the card immediately. Should the customer refuse to sign the back of the card, you may refuse any purchases attempted with that card. Due to increased counterfeiting of Visa/MasterCard plastics, be sure to compare the embossed number on the credit card with the last four digits printed on the Electronic Sales Ticket (read off the mag stripe).

continued on next page >

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Section 3 | Acceptable Cards

Bankcards: Visa and MasterCard (continued) Bank cards must be processed through the Site System unless the system is down. NOTE: If the Site System is down and your station does not have, or has not activated, Store & Forward, process sale manually (See Section 5). Call for authorization on all bank card sales.

MasterCard may charge back any sale for various dispute reasons regardless of the amount or authorization. Visa and MasterCard may impose an additional chargeback handling fee of $25.00 for each illegible ticket submitted or an additional $25 for transactions not authorized. Additionally, Visa and/or MasterCard may assess other fees and impose fines in amounts they determine for continued violations against Visa and MasterCard regulations. Such fines currently could exceed $5,000 and increase for repeated offenses. These fines could be assessed for many reasons, one of which being surcharging for using a credit card. By submitting Visa and MasterCard sales to the Card Issuers, Dealers and Branded Wholesalers are agreeing to pay all such fees and fines that result from their acceptance of Visa and MasterCard. For sales of gasoline or diesel fuel that are not branded with an ExxonMobil mark (except sales of gasohol and other synthetic motor fuels of similar usability) the customer’s copy of the Sales Ticket must be stamped “Not Exxon Fuel” or “Not Mobil Fuel”. The words must be stamped in red ink and be at least 36 points boldface (1/2 inch in height). This requirement also applies to receipts from the customer-activated card readers in dispensers.

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Section 3 | Acceptable Cards

Visa and MasterCard Fleet

Card Sales Authorization Number............................ 1-800-479-2757

Important Processing Information MasterCard/ Visa Fleet Card Authorization Procedures

Electronic Processing

Paper Processing

Yes

Yes

(Manual Key Available)

• Authorization is required for all sales.

• Call for authorization on all paper ticket sales.

• Each sale should be processed and authorized electronically.

• Each paper ticket sale must be authorized by calling the MasterCard/ Visa authorization telephone number, regardless of the transaction value or type.

• If card is not readable, sale should be processed using manual key option or a paper ticket.

Fleet Reporting Requirements

• Imprint the card, date and amount of the sale. Verify that the information on the credit card and your imprinter is legible.

• PIN pad must be available for input of driver-initiated entries.

• Follow voice authorization process for all paper transactions.

• Driver could be prompted for odometer, vehicle number, user ID, and/or driver number.

• Record fuel quantity, authorization number on paper ticket. • When prompted, record odometer, vehicle number, user ID, driver number on paper ticket. continued on next page >

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Section 3 | Acceptable Cards

Visa and MasterCard Fleet (continued) • Visa sales $25 and less and MasterCard sales $50 and less do not require a signature unless they are manually keyed or processed on a Paper Sales Ticket. Retain Sales Tickets for sales that do not require a signature in case a ticket request is received. • Visa and MasterCard issue cards which are not embossed (the customer name and account number is printed on the card but the lettering is not raised). These are valid cards. These cards may be only used electronically. Do NOT manually key or imprint on a paper ticket cards that are not embossed.

Procedures when Calling for Authorization 1. Call 1-800-479-2757. 2. Follow the prompts (To report suspicious activity, press 2 for “Code 10”). For sales of gasoline or diesel fuel that are not branded with an ExxonMobil mark (except sales of gasohol and other synthetic motor fuels of similar usability) the customer’s copy of the Sales Ticket must be stamped “Not Exxon Fuel” or “Not Mobil Fuel”. The words must be stamped in red ink and be at least 36 points boldface (1/2 inch in height). This requirement also applies to receipts from the customer-activated card readers in dispensers.

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Section 3 | Acceptable Cards

WEX* Fleet National

123456 123456 78901 2345 5 6 ABC ABC INC IN NC 2010 2010 0 SEDAN SEDAN CUSTOMER CUSTOMER

EXPIRES AT END OF

10/15 10/15 5

000000

WEX Authorization Number......................................... 1-800-433-6819 WEX Fleet Authorization Number............................. 1-800-842-0071

Important Processing Information WEX Card

Electronic Processing

Paper Processing

Yes

Yes

(Do NOT Manual Key)

Authorization Procedures

• Authorization is required for all electronic sales.

• Call for authorization on all paper ticket sales.

• Imprint the card, date and amount of the sale. Verify that the information on the credit card and your • If card is not readable, sale imprinter plate is legible. should be processed using a paper ticket. • Each sale should be processed and authorized electronically.

Fleet Reporting Requirements

• PIN pad must be available for input of driver-initiated entries.

• Follow voice authorization process for all paper transactions.

• Driver will be prompted for input of odometer and Driver ID/PIN. When prompted for PIN, the driver should input the Driver ID/PIN.

• Record fuel quantity and value on the paper sales ticket. • Write the authorization number on the paper sales ticket. • Paper sales transactions where authorization numbers are missing are subject to chargeback.

*Any card displaying the WEX logo in the lower right hand corner is acceptable.

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Section 3 | Acceptable Cards

WEX (continued) Do not manually key WEX, ExxonMobil Universal and ExxonMobil Fleet National Card Sales. These sales must be processed manually on a paper ticket. For processing instructions see page 1.13 for Unpaid Sales and Store & Forward Rejects and Section 5 for manually imprinted paper tickets.

Procedures When Calling for Authorization 1. Call 1-800-842-0071. 2. Follow voice prompts and enter the following information: –– 13-digit customer account number –– Vehicle number embossed on the card –– Amount of sale –– Driver ID provided by the driver making the purchase –– Whether transaction is for fuel or vehicle maintenance 3. If the sale is approved, take an imprint of the customer card, record the authorization code, products purchased, and have the customer to sign the manual ticket. If the sale is declined, request another form of payment. WEX Cards are NOT acceptable for sales of ANY gift cards, including ExxonMobil Gift Cards. To report suspicious activity, call 1-800-492-0669. The WEX Card may have specific product limitations (e.g., Fuel Only, Diesel Only, etc.) printed or embossed on the Card. Sales transactions with any other products are subject to chargeback. The WEX Customer Service phone number is 1-800-492-0669. Note: If the Site System is down and your station does not have, or has not activated, Store & Forward (see page 1.12), process sale manually. Record the VEHICLE NUMBER and ODOMETER READING on the sales ticket.

For sales of gasoline or diesel fuel that are not branded with an ExxonMobil mark (except sales of gasohol and other synthetic motor fuels of similar usability) the customer’s copy of the Sales Ticket must be stamped “Not Exxon Fuel” or “Not Mobil Fuel”. The words must be stamped in red ink and be at least 36 points boldface (1/2 inch in height). This requirement also applies to receipts from the customer-activated card readers in dispensers.

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Section 3 | Acceptable Cards

Voyager *

Authorization Number.................................................... 1-800-987-6589

Important Processing Information All Voyager Cards Authorization Procedures

Electronic Processing

Paper Processing

Yes

Yes

(Do NOT Manual Key)

• Authorization is required for all sales. • Each sale should be processed and authorized electronically.

• Each paper ticket sale must be authorized by calling the authorization telephone number.

• Imprint the card, date and amount of the sale. Verify • If card is not readable, sale that the information on should be processed using the credit card and your a paper ticket. imprinter plate is legible.

Fleet Reporting Requirements

• PIN pad must be available for input of driver-initiated entries.

• Follow voice authorization process for all paper transactions.

• Driver will be prompted for input of odometer and Driver ID/Vehicle Number. When prompted for Driver ID/Vehicle Number, the driver should input the Driver ID/Vehicle Number.

• Driver initiated entries must be recorded in the appropriate boxes on the sales ticket. • Accurately detail all products on the ticket. Do not combine all products into one dollar amount. • Record fuel quantity, grade, and dollar value on the ticket.

*Any card displaying the Voyager logo in the lower right hand corner is acceptable.

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Section 3 | Acceptable Cards

Voyager (continued) Do NOT manually key Voyager cards. Voyager Cards are NOT acceptable for sales of ANY gift cards, including ExxonMobil Gift Cards.

Procedures When Calling for Authorization 1. For all paper transactions, call Voyager at 1-800-987-6589 for authorization. For suspicious card or card users, ask for “Code 10” authorization. 2. Provide the operator with the Account Number, Product Purchased, Sale Amount, and Driver ID/Vehicle Number. 3. Write the authorization number on the paper sales ticket. 4. Ask the driver to write the Vehicle Number and Odometer Reading on the paper sales ticket. 5. Record the fuel quantity and value on the paper sales ticket. 6. Paper sales transactions where odometer, vehicle number, or authorization numbers are missing are subject to chargeback. If problems occur with the sale, instruct the driver to call Voyager Customer Service at 1-800-987-6591. All Voyager Cards with the Restriction Codes 01, 11, 21 and 31 printed on the front of the card are limited to purchases of “Fuel” only. Sales transactions with any other products are subject to chargeback. For sales of gasoline or diesel fuel that are not branded with an ExxonMobil mark (except sales of gasohol and other synthetic motor fuels of similar usability), the customer’s copy of the Sales Ticket must be stamped “Not Exxon Fuel” or “Not Mobil Fuel”. The words must be stamped in red ink and be at least 36 points boldface (1/2 inch in height). This requirement also applies to receipts available from customer activated card readers in dispensers. Note: If the Site System is down and your station does not have, or has not activated, Store & Forward (see page 1.12), process sale manually. Record the VEHICLE NUMBER and ODOMETER READING on the sales ticket.

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Section 3 | Acceptable Cards

Debit Cards ATM/Debit Cards



®

®

EBT (Electronic Benefits)

Electronic Benefit Transfer (EBT) An electronic system that allows a recipient to authorize transfer of their Federal or State government benefits to a retailer account to pay for products/services received • EBT cash benefit cards should be accepted in all states where permitted by law. • EBT card customers may purchase fuel but will not be able to pay at the pump. • EBT cash benefit cards are accepted electronically at ATMs. • EBT Cash card is not to be confused with EBT Food Stamp Card which is not part of this program.

ATM/Debit Cards and EBT Exxon and Mobil locations may accept the cards issued by the banks/networks shown above. All transactions must be processed through the Site System. Paper Sales Tickets are not acceptable. If the Site System is down, request another method of payment. 1. Do not Manually Key ATM/Debit Cards. If the card will not process, request another method of payment. 2. EBT cards can be Manually Keyed. The expiration date is not embossed on some EBT cards. The customer must enter 1249 as the expiration date for these cards.

continued on next page >

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Section 3 | Acceptable Cards

Debit Cards (continued) 3. ATM/Debit Cards may pay inside and outside at the pump. EBT cards can be used to purchase fuel but the purchase must be made inside at the Site System. Customers will not be able to pay at the pump. 4. Cardholders do not sign the sales ticket. Their entry of a valid PIN comprises an “electronic signature”. Do not ask customer for PIN – it is confidential. 5. The original copy of the Electronic Sales Ticket is given to the customer. Retain a copy in your files. 6. Transaction Fees and Surcharges are not allowed. ExxonMobil will not accept any Debit card sale and/or Cash Back sale that has a Transaction Fee or Surcharge added to it. 7. If a customer inquires about a hold of funds on his or her account, the customer should call his or her issuing bank. ExxonMobil and the Card Guide Issuer do not hold funds when customers use their debit cards. EBT card issuers do not hold funds on the customer’s account.

PIN Debit Entry Devices Inspect PIN entry devices, inside the store and on the pumps, on a regular basis for signs of tampering.

Up to $50 Cash Back! In addition to their purchase, cardholders may withdraw up to $50 cash back through the indoor Site System. Customers will enter the cash back amount at the PIN Pad. Paper Sales Tickets are not acceptable. • You may provide cash back without an accompanying purchase at participating locations unless prohibited by state law. • Customers cannot be charged a fee for a cashback transaction on the ExxonMobil Site System. Various debit networks and some state laws prohibit surcharging customers for cashback transactions. • The retailer processing fee on page 7.8 applies to all third-party Debit cards including cashback transactions. For sales of gasoline or diesel fuel that are not branded with an ExxonMobil mark (except sales of gasohol and other synthetic motor fuels of similar usability) the customer’s copy of the Sales Ticket must be stamped “Not Exxon Fuel” or “Not Mobil Fuel”. The words must be stamped in red ink and be at least 36 points boldface (1/2 inch in height). This requirement also applies to receipts from the customer-activated card readers in dispensers.

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EXXONMOBIL CARD GUIDE

Section 4 ExxonMobil Authorization Procedures ExxonMobil Authorization Procedures......................4.0

ExxonMobil Cards............................................................. 4.1



Card Sales Authorization.......................................... 4.2 – 4.3



Electronic Sales Tickets..................................................... 4.4

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Section 4 | Authorization Procedures

ExxonMobil Cards

ExxonMobil Personal Card

ExxonMobil Smart Card

ExxonMobil Preferred Card

ExxonMobil Preferred Smart Card Business

1234 5678 9012 3456 34 456 1234 R J.. Q. CUSTOMER CARDHOLDER SINCE

20122 2012

CARD NO EXPIRES END OF

001 12/15

ExxonMobil Business Card

See Card Sales Authorization on page 4.2 – 4.3

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Section 4 | Authorization Procedures

Card Sales Authorization Business

1234 5678 9012 3456 34 456 1234 J.. Q. CUSTOMER R CARDHOLDER SINCE

Account Number

20122 2012

CARD NO EXPIRES END OF

001 12/15

Card Number

Basic Steps To obtain authorization with a Touch-Tone™ telephone, use the following steps (if calling from a rotary dial telephone, hold for a Card Services Representative after receiving the ExxonMobil Card Services greeting): 1. Call 1-800-231-4674. 2. Enter the account number. 3. Enter the three-digit card number located on the bottom right corner of the front of the card. 4. Enter the four-digit expiration date. 5. Enter the sale amount in dollars and cents. –– Example Sale Amount: $52.29 –– Example Card Sales Authorization Entry: 5229 6. Card Sales Authorization will then read back the sale amount entered. If the amount is correct, press “1”; if not, press “2” (Card Sales Authorization will then prompt the caller to re-enter the sale amount.) 7. Authorization Decision: The caller will receive one of three responses: Approval: Write the authorization code on the sales ticket or enter in the Site System, whichever is applicable. Decline: The sale CANNOT be approved. Ask the customer for another form of payment. Sales made on the card are subject to chargeback. The customer may call 1-800-344-4355 for further assistance. To be transferred to an agent, press “2.” Transfer To A Card Services Representative: In some instances, it may be necessary for a Card Services Representative to process the authorization. Please hold while being transferred. continued on next page >

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Section 4 | Authorization Procedures

Card Sales Authorization (continued) Important Notes • Authorization alone is not sufficient to submit a sale. All other requirements in the Card Guide must be met or the sale may be charged back to the retailer. • Do not call for authorization on expired cards. • Please obtain pre-authorization for repair work prior to providing any service. • If pre-authorization is received, the authorization code is valid for the day the code is received through the next three calendar days. The actual amount of the sale must not exceed the authorized amount or a new authorization code must be obtained.

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Section 4 | Authorization Procedures

Electronic Sales Tickets The terminal is designed to make sales using Speedpass and credit, prepaid cash, and debit cards. It can also be used to print cash or credit receipts for customers who request them. Please see Section 9 for ordering ExxonMobil rolls. Swipe the card through the Site System, verify that the card number, card type and customer name (when available) match the information on the card. Make sure the signature on the back of the card matches the receipt. If the inside console has a PIN pad for the customer to swipe the card, you must ask for the card to compare the signature and card information on the receipt. Verify that the TOTAL is correct and have the customer sign in the space provided. A signature is not required if the customer enters a PIN (personal identification number). The customer keeps one copy of the ticket, and the other copy is kept at the retail store in a secure location for seven (7) months. For sales of gasoline or diesel fuel that are not branded with an ExxonMobil mark (except sales of gasohol and other synthetic motor fuels or similar usability made at a customer activated terminal), the customer’s copy of the Sales Ticket must be stamped “Not Exxon Fuel” Or “Not Mobil Fuel”. The words must be stamped in red ink and be at least 36 points boldface (1/2 inch in height). This requirement also applies to receipts available from the customer-activated card readers in dispensers.

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EXXONMOBIL CARD GUIDE

Section 5 Manually Imprinted Paper Sales Tickets

Manually Imprinted Paper Sales Tickets...................5.0



Tips for Faster Paper Ticket Processing............................ 5.1



Completing a Paper Sales Ticket.............................5.2 – 5.3



Preparing a Paper Ticket Sales Submission............. 5.4 – 5.6



Lost Paper Ticket Submissions......................................... 5.7

Imprinters and Submission Plates (Metal Imprinter Plates)...................................................... 5.8

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Section 5 | Paper Tickets

Tips for Faster Paper Ticket Processing REMINDERS To be accepted, a credit sales ticket must be submitted to The Card Guide Issuer within five (5) days of the sale. (The sale is subject to chargeback otherwise.) • See Section 9 for instructions about how to order paper tickets and preprinted envelopes. If you purchase manual imprint ticket forms from a vendor other than R.R. Donnelley, you should ensure that those tickets contain the same wording that appears on these manual ticket forms. You may also be responsible for legal actions if the tickets do not comply with any laws regarding the information legally permitted to be recorded on a credit sale receipt. • Do not manually key Paper Sales Tickets. • Always imprint the gross ticket value on the submission card. • Imprint the credit card number, date, and amount of the sale. Verify that the information on the credit card and your imprinter plate is legible. Illegible or incomplete paper tickets may be subject to chargeback or no reimbursement. • Ensure that the metal imprinter identification plates are not worn and the correct date is imprinted on the ticket. If the customer disputes the sale and the incorrect date is on the ticket, the transaction can be charged back. • Do not process ESSO Business or Fleet cards, CarCareONE cards, FleetCor cards, EM Gift cards, Discover Prepaid/Gift cards, EBT or Debit cards on paper tickets.

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Section 5 | Paper Tickets

Completing a Paper Sales Ticket (Not Applicable to Electronic Sales)

6846G

SALES ASSOCIATE SOLD TO

EXXONMOBIL SALES TICKET

Paper Ticket (Credit Card Ticket) (Form 946-0001)

TOTAL AMOUNT

030114

CUSTOMER COPY

946-0001 (8/02)

X

BUYER’S SIGNATURE

MOTOR OIL

SALES ASSOCIATE AUTH. CODE REPAIR/WORK ORDER #

VEH.#

TOTAL 12 Total includes all applicable federal, state and local taxes.

VEHICLE ODOMETER READING

USER ID (FOR FLEET CARD MANAGEMENT REPORTING)

$ PLEASE BE SURE TOTALS AGREE

Note: All paper ticket sales must have valid authorization documented in Section “E.”

Imprinted and handwritten totals must agree. If the imprinted amount must be changed, ensure the change is legibly written. Cross out the incorrect imprint amount and legibly write the correct amount below the imprint.1 A

Imprint the store identification number, date, amount, and customer credit card. Be sure to show the correct date. If the customer disputes the sale and the incorrect date is on the ticket, the transaction can be charged back. –– If the total amount exceeds $999.99, set the imprinter at $000.00, cross out the 000.00 and legibly write the correct amount directly under the 000.00.

B

Enter the quantity, price per unit, and total cost for each product or service. If a “Work Order” is charged, a copy must be kept and made available on request. If the product name is not preprinted on the ticket, it must be written in the “Item”or “Product” column. If the product name is preprinted on the ticket, the box indicating the product name must be marked. Sales transactions that do NOT have the proper product name box marked, or product name written, are subject to chargeback. continued on next page >

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Section 5 | Paper Tickets

Completing a Paper Sales Ticket (continued) C

The attendant should initial the ticket here.

D

Enter in the space provided, customer specific identification, if required, for Fleet Card Management Reporting purposes.

E

A valid authorization code for each specific sale, if required, must be written here. Sales transactions that do not have required authorization are subject to chargeback.

F

The customer’s signature must be written here for all sales regardless of sale amount. Initials and/or company name are not acceptable.

G

In the space provided, enter customer-specific identification (if required) for Fleet Card Management Reporting purposes.

For sales of gasoline or diesel fuel that are not branded with an ExxonMobil mark (except sales of gasohol and other synthetic motor fuels of similar usability made at a customer activated terminal), the customer’s copy of the Sales Ticket must be stamped “NOT EXXON FUEL” or “NOT MOBIL FUEL”. The words must be stamped in red ink and be at least 36 points boldface (1/2 inch in height). This requirement also applies to receipts available from customer-activated card readers in dispensers. 1Ensure that all information is visible on ALL copies of the ticket. Note: The store/carbon copy of the paper ticket MUST be retained at the Retailer’s location until the Retailer confirms that the paper ticket submission amount has been paid.

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Section 5 | Paper Tickets

Preparing a Paper Ticket Sales Submission A. Separate the store copy from the process (hard) copies of the credit sale tickets, stacking them side by side in sequence for each submission. The process copies should be sent to ExxonMobil Card Services; the store copy should be retained for your records. B. Run two (2) adding machine tapes for each submission of credit sale tickets, one for the handwritten gross amount and one for the imprinted amount. –– At the bottom of the first tape, write the total of the handwritten value. –– At the bottom of the second tape, write the total of the imprinted value. –– Make sure the totals on both tapes agree. –– Under the handwritten totals on both tapes, write the retailer name and 7-digit reimbursement number. C. If an error has been made in the imprinted amount on a credit sale ticket, do the following: –– Completely cross out the imprinted amount. –– Under the crossed-out amount, legibly write the correct amount. –– The adding machine tape should be corrected to show the proper amounts, or a new tape should be run. D. Fill in the Submission Card with the following information: –– The gross value of the submission from the adding machine tapes. –– The total number of credit sale tickets included in the submission. (Do not include the submission card in the total.) –– Your full signature. –– The discount and net amounts may be filled in. E. Set the imprinter for the gross value of the submission and imprint that amount on the submission card.

continued on next page >

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Section 5 | Paper Tickets

Preparing a Paper Ticket Sales Submission (continued) F. A properly completed Submission Ticket should look like the one below:

Completed Submission Ticket (Form 946-0002)

G. Prepare all submission packages as follows: –– Place the processed copies of the sales tickets on the bottom. –– Place the processed copy of the submission card next. –– Put one of the adding machine tapes, folded with the total showing, on top. –– Place a rubber band around all of these items. DO NOT USE STAPLES. –– Place each submission in a separate ticket envelope, and apply sufficient postage. Do not put more than one submission into an envelope. –– Show your return address on the envelope. H. Mail submission packages to: Regular Mail ExxonMobil Card Services P.O. Box 6010 Hagerstown, MD 21741-6010

Overnight Mail ExxonMobil Card Services 1 Western Maryland Parkway Hagerstown, MD 21741

Pre-printed envelopes are provided by R.R. Donnelley. See Section 9 for ordering information. continued on next page >

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Section 5 | Paper Tickets

Preparing a Paper Ticket Sales Submission (continued) –– Each store’s lapsed time, from mailing submission packages to receiving reimbursements, will vary depending upon mail time. Typically, ExxonMobil Card Services will process submission packages within 24 hours of receipt. Reimbursement is normally received within 7–14 business days of mailing. Experience will establish your normal turnaround time. I. Keep the following records in a secure location until payment is received: –– The tissue and store copies of the submission report. –– The Dealer copy of the credit sale tickets. –– One copy of the adding machine tape. DO NOT DESTROY these copies. You may need to produce these records at any time until you receive payment. When the store copies are no longer needed, they should be destroyed in such a manner that the credit card number cannot be read. We recommend that you shred these documents. J. Paper Ticket Reimbursements are identified by the 7-digit submission ticket number on the Card Settlement Summary Report. –– The details will show the amounts paid on each submission. –– Compare the amounts listed on the reimbursement detail with your copy of the submission ticket. –– If you have a question, call: ExxonMobil Card Services Retailer Inquiries 1-800-413-9966 M – F, 8am – 6pm, EST Note: Any materials that contain card numbers or information uniquely identifiable to a customer must be destroyed in a manner such that the card number or information cannot be read. We recommend you shred these documents.

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Section 5 | Paper Tickets

Lost Paper Ticket Submissions Lost paper ticket submissions are rare, but if you do have a problem, please take the following actions: A. If you do not see reimbursement within 14 days of mailing the paper tickets, please contact Retailer Inquiries immediately at 1-800-413-9966. B. Review your record of payments received to be sure that the payment or credit has not been overlooked (See Section 7). C. Notify Retailer Inquiries at 1-800-413-9966 that a submission is missing. Furnish the following information and Retailer Inquiries will search their records for the submission and reimbursement. If Retailer Inquiries is unable to locate submission, further instructions will be provided. –– 7-digit reimbursement number from your metal imprinter plate –– Gross submitted amount –– Date of submission –– Submission ticket number –– Date submission was mailed D. If store copies of Paper Sales Tickets are requested by Retailer Inquiries, make a copy for your files before mailing the original. If store copies are received more than 21 days after the sale date, the sale may be charged back by the Card Issuer. Reimbursement for lost paper tickets or submissions will only be made upon receipt of store copies at ExxonMobil Card Services.

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Section 5 | Paper Tickets

Imprinters and Submission Plates Repairs and replacement of imprinters are the responsibility of the retailer. Each retailer is required to have a working imprinter to be able to process sales on paper tickets. • Keep your imprinter out of bad weather, including rain, snow, and extreme heat or cold. Treat the imprinter as carefully as you would a cashbox. Do not leave it unattended or on the pump island when the station is closed. ONLY STATION EMPLOYEES SHOULD USE THE IMPRINTER. • For complete replacement and repair of an imprinter, call Addressograph Bartizan at 1‑800-633-9143. • Be sure to remove your station imprinter plate before returning an imprinter to Addressograph Bartizan. • To ensure proper reimbursement, if you are a new retailer in a station that was previously operated as an Exxon or Mobil location, do not use the old imprinter identification plates. Use of old plates could result in improper or delayed reimbursement. Reminder: Your imprinter identification plates show the location of the selling station and must be embossed with a 7-digit number. Use at another location can cause customer complaints and could result in chargebacks. ExxonMobil retail metal imprinter identification plates are issued to every location that submits sales tickets. An imprint of the credit card is required on the paper sales ticket and is needed to assure correct reimbursement. Failure to do so may result in chargeback or no reimbursement. To replace lost or worn assignment plates (metal imprinter plates), contact: ExxonMobil Lubes Dealers of Branded Wholesalers 1-866-465-2707 (fax) 1-877-566-3478 [email protected] (email)

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EXXONMOBIL CARD GUIDE

Section 6 Authorized Products, Merchandise and Services Authorized Products, Merchandise and Services...........................................6.0 Authorized Products, Merchandise and Services....................................... 6.1 – 6.2 Unauthorized Products, Merchandise and Services................................................ 6.3

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Section 6 | Authorized Products, Merchandise and Services

Authorized Products, Merchandise and Services The product restrictions described in the ExxonMobil Card Guide apply to sales made on any and all cards shown in the Guide. If the product codes are not programmed correctly on your terminal, call Site System Help Desk Support for correct codes. Products, merchandise, and services that may be purchased by customers using an acceptable card shown in this card guide are as follows: 1. Motor fuel, lubricants, and antifreeze, which are marketed by Retailers or Branded Wholesalers displaying ExxonMobil’s trademarks. Notwithstanding the above, gasoline and diesel fuel (excluding bio diesels) are only authorized for sale on Cards Bearing ExxonMobil mark (excluding the ExxonMobil Universal and ExxonMobil Fleet National Cards) if the gasoline and fuel are branded with an ExxonMobil mark. Gasohol, E85, bio diesels, and other synthetic motor fuels of similar usability are authorized for sale on Cards Bearing ExxonMobil mark. Retailers and Branded Wholesalers selling gasoline or diesel fuel (Gasohol, bio diesels, and E85) that are not branded with an ExxonMobil mark must notify potential customers in advance that Cards Bearing ExxonMobil mark will not be accepted for purchases of those products. Minimum standards for such advance notice may be set by Card Guide issuer and ExxonMobil. 2. For sales of gasoline or diesel fuel that are not branded with an ExxonMobil mark (except sales of gasohol and other synthetic motor fuels of similar usability) the CUSTOMER’s copy of the Sales Ticket must be stamped “NOT EXXON FUEL” or “NOT MOBIL FUEL.” The words must be stamped in red ink and be at least 36 points boldface (1/2 inch in height). This requirement also applies to receipts from the customer-activated card readers in dispensers. 3. Tires, tubes, wheels, batteries, and accessories in excess of $500 must be installed in or on the vehicle. 4. Convenience Merchandise (as defined in Section 10 Definitions) is subject to the following limitations: –– Purchases of Convenience Merchandise on any ExxonMobil Gift Card, CarCareONE Card, ExxonMobil Consumer or Business Card or Speedpass sale may not exceed one hundred twenty-five dollars ($125.00) per transaction. Preparing multiple Sales Tickets in attempt to evade credit authorization requirements or maximum purchase limits set out in the Card Guide is expressly prohibited and such Sales Tickets may be charged back. continued on next page >

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Section 6 | Authorized Products, Merchandise and Services

Authorized Products, Merchandise and Services (continued) –– Purchases of Convenience Merchandise must be identified on a Paper Sales Ticket as “Convenience Merchandise.” When using the Site System, purchases of Convenience Merchandise must be identified using the appropriate product code button, such as convenience products, beverage, beer, tobacco, collectibles, etc. –– Sale of beer or wine on credit cards is prohibited where prohibited by law. 5. Car washes. 6. Propane and kerosene, if sold for carry-out use and NOT put into tanks of motor vehicles, may not exceed one hundred twenty-five dollars ($125.00) per day. 7. With respect to ARC Participants, merchandise authorized for sale in ARC Contracts (see page 10.24 – 10.25). 8. Cash-back on authorized Debit Cards (Section 3), which are limited to a maximum of fifty dollars ($50.00) in a single sale. 9. ExxonMobil Gift Cards (as defined in Section 3): Maximum of $125 worth may be purchased with a Card bearing an ExxonMobil mark. There is no limit with purchases made with cash. The ExxonMobil Gift Card cannot be used to purchase another ExxonMobil Gift Card. ExxonMobil Fleet, ExxonMobil Universal, ExxonMobil Fleet National, ESSO Fleet or Business, Voyager, WEX and ExxonMobil Gift Cards are not acceptable for sales of ExxonMobil Gift Cards.

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Section 6 | Authorized Products, Merchandise and Services

Unauthorized Products, Merchandise and Services Products, merchandise, and services that are not authorized and must not be purchased by customers using an acceptable card shown in this Card Guide are as follows: 1. Alcoholic beverages (other than beer or wine, if allowed by law). 2. Magazines, books, or other merchandise of a sexually explicit nature. 3. Drug paraphernalia. 4. Games of chance except Lottery tickets where card payments are allowed by federal, state and local laws and if the Lottery tickets are paid for with an approved ATM/Debit card. 5. Products or services that may adversely affect the public acceptance, favorable reputation and extensive goodwill associated with the Card Guide Issuer or brand and ExxonMobil marks, name or brand. 6. Cash advance or cash-back that is expressly prohibited except as noted on the previous page in item #8. 7. Purchase of money orders. 8. Any good or service ordered by telephone or Internet.

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EXXONMOBIL CARD GUIDE

Section 7 Retailer Reimbursements Retailer Reimbursements............................................. 7.0

Reimbursement Troubleshooting........................................7.1

Reimbursement Reporting and Delivery Methods.......................................................7.2 – 7.5

Reporting and Reimbursement Timing...................... 7.6 – 7.7



Card Processing Fees....................................................... 7.8



Card Sales Fee Reports...........................................7.9 – 7.11



Loyalty Program Reimbursements................................... 7.12

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Section 7 | Reimbursements

Reimbursement Troubleshooting Inquiry

Who To Call

Questions regarding an amount on the Card Settlement Report and ticket request or chargeback questions

Retailer Inquiries* 1-800-413-9966 (option 7) M–F, 8am–6pm EST

Questions regarding Paper Sales Ticket reimbursement

Retailer Inquiries* 1-800-413-9966 (option 7) M–F, 8am-6pm EST

Billing-related Questions (price, product-related, holds, account balance, imprinter plates, etc.)

ExxonMobil Fuels Customer Support 1-877-566-3478 M–F, 8:30am–6pm EST

Card Settlement (DTN (now Schneider Electric)) Reporting, Reconciliation, Change Host Default Day Close Time, General Inquiries

Site System Help Desk Support* See page 1.1

Authorization Calls

See Section 3 for specific Credit Card Authorization numbers

Questions regarding DTN (now Schneider Electric) servicing

Downloading BW Card Reports 1-800-779-5779 (option 4) Site Card Report Set Up & Delivery 1-800-724-5718 M–F, 6:30am–6:30pm CST

Network Issues

Site System Help Desk Support* See page 1.1

Site System Report Printing, POS Hardware, Software & Programming

Site System Help Desk Support* See page 1.1

*Have your 7-digit Retailer (Imprinter) number available for the Representative.

Retailers should balance daily to identify unpaid sales that may need to be submitted manually for payment such as Unpaids and Store & Forward sales that did not forward.

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Section 7 | Reimbursements

Reimbursement Reporting and Delivery Methods Electronic reimbursement notification: • BW Card Settlement Summary Reports (CCM) are available to BWs on the ExxonMobil Portal. The Card Transaction Reports (CTR) are site only reports and will not be available to BWs on the ExxonMobil Portal. • Sites and/or BW personnel can receive the CCM and CTR reports via email. BWs must set up the email addresses at least two days prior to the site start date to ensure on-time delivery of the reports. See Section 1 of this document for BW instructions. These reports are not available at the Site System. • Retailers should balance daily to identify unpaid sales that may need to be submitted manually for payment. • Reconciliation guides are available to sites by calling Site System Help Desk Support and to BWs on the ExxonMobil Portal by accessing the Card Services community. Under Publications, select the Site System type and then Quick Reference Guide.

continued on next page >

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Section 7 | Reimbursements

Reimbursement Reporting and Delivery Methods (continued) Interpreting Your Card Settlement Summary Report July 30, 2013 BW NAME BW ADDRESS BW ADDRESS BW ADDRESS

Manually submitted Unpaid and Store & Forward Rejected/ Denied Sales are identified by TID9999

A/R CUSTOMER #: 0000123456 SUMMARY ID #: 11111 DEALER LOCATION FOR: 1234567 NAME :SITE ADDRESS ADDRESS :SITE ADDRESS CITY,STATE,ZIP :SITE ADDRESS DEALER SHIFT SHIFT NUMBER DATE NUMBER ------- ------- ------1234567 072913 1234567 072913 1234567 072913

S000001 TID9999 2552557

MISCELLANEOUS ACT1234 10.007654321 5.00123456 1.00CARD PROCESSING FEES: TOTAL POS SALES : TOTAL PAPER SLES : TOTAL MISCELLANEOUS : TOTAL REV-CHRGBACKS : TOTAL ADJUSTMENTS : STORE INCENTIVE : RETAILER FUND REBATE: TOTAL AMT CREDITED : GROSS AMT SUBTOTAL :

SHIFT NET AMOUNT ---------N/A N/A N/A

Imprinted Paper Sales Ticket payments are identified by the 7-digit paper ticket number

SHIFT GROSS AMT --------$10,635.45 $24.00 $20.00

TAX2345 5.00FCO3456 5.00HOSTDIS 2.00 $204.42$10,455.03 $20.00 $24.00$0.00 $0.00 $0.00 $0.00 $10,451.03

$10,679.45

$10,679.45

PROCESSING DATE** : 07/30/13 *NETTED AGAINST DRAFTS/INVOICES **DEPOSITED NEXT BANK BUSINESS DAY

MISCELLANEOUS deductions are listed separately and in total: TAX=Tax Chargebacks, ACT=EM Gift Card Activations/Reloads, FC=Fuelman Fleet sales, Service Station Discounts are identified by the 6-digit sale invoice number, Chargebacks are identified by the 7-digit partial card account number and Host Discounts are identified by HOSTDIS Promotions

Total Adjustments – total of all adjustments not shown elsewhere on this report, including Retailer Requested adjustments

continued on next page >

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Section 7 | Reimbursements

Reimbursement Reporting and Delivery Methods (continued) Card Settlement Transaction Report (CTR) MOB3 CST C02,0001, / / ,00:00,COMP,2,0001,S,$MOBxxx 1234567 BEGIN-BINARY-DATA EXXONMOBIL FUNDING DETAIL REPORT FDCS Merchant ID: 123456789123 EM Dealer ID: 1234567 Run Date: 07/04/2013 Date: 07/03/2013

PROCESS DATE

SHIFT NUMBER

SHIFT DATE

TRANS DATE

TRANS INVOICE TIME NUMBER TYPE

TRANSACTION CARD NUMBER

AUTH CODE

TRANS FUNDING PRODUCT AMOUNT CATEGORY DESCRIPTION

DETAIL SECTION 20130704 0001

20130703 20130703 00:01 J3Q6991 SALE

471832XXXXXX5614 103295

50.00

CREDIT

VISA

20130704 0001

20130703 20130703 00:05 J3Q2002 SALE

552852XXXXXX8487 150015

71.56

CREDIT

MASTERCARD

20130704 0001

20130703 20130703 00:05 J3Q3026 SALE

690046XXXXXX9124 100146

30.11

CREDIT

WRIGHT EXPRESS

20130704 0001

20130703 20130703 01:07 J3Q0182 SALE

601918XXXXXX9097 180172

3.49

CREDIT

PRIVATE LABEL

20130704 0001

20130703 20130703 01:15 J3Q4991 SALE

371242XXXXXX4285 071404

25.00

CREDIT

AMERICAN EXPRESS

20130704 0001

20130703 20130703 01:17 J3Q0183 SALE

601120XXXXXX3361 151470

4.02

CREDIT

DISCOVER

20130704 0001

20130703 20130703 01:20 J3QA641 SALE

428208XXXXXX6067 092004

30.00

CREDIT

VISA

20130704 0001

20130703 20130703 02:07 J3Q0532 SALE

708886XXXXXX9097 180173

3.49

CREDIT

VOYAGER

20130704 0001

20130703 20130703 02:15 J3Q0554 SALE

371559XXXXXX0645 071409

2.00

CREDIT

AMERICAN EXPRESS

20130704 0001

20130703 20130703 02:17 J3Q0557 SALE

707649XXXXXX3361 151471

6.00

CREDIT

FLEETCOR FUELMAN

20130704 0001

20130703 20130703 02:20 J3QA123 SALE

480213XXXXXX7662 092012

30.00

CREDIT

VISA

Total

10,660.45

FLEETCOR SECTION

-5.00FLEETCOR TOTAL

FEE SECTION

-204.42FEE TOTAL

NET DEPOSIT SECTION

10,451.03NET DEPOSIT TOTAL

This example shows the last page of the CTR report only. Each Adjustment in the “Miscellaneous” section of the CCM report on the previous page is subtotaled at the top of this report with the exception of FleetCor which will show at the bottom.

continued on next page >

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Section 7 | Reimbursements

Reimbursement Reporting and Delivery Methods (continued) BW Card Settlement Summary Report (CCM) Manually submitted Unpaid and Store & Forward Rejected/ Denied Sales are identified by TID9999

July 30, 2013 BW NAME BW ADDRESS BW ADDRESS BW ADDRESS A/R CUSTOMER #: 0000123456 SUMMARY ID #: 11111 DEALER LOCATION FOR: 1234567 NAME :SITE ADDRESS ADDRESS :SITE ADDRESS CITY,STATE,ZIP :SITE ADDRESS DEALER SHIFT SHIFT SHIFT SHIFT NUMBER DATE NUMBER NET AMOUNT GROSS AMT ------- ------- -----------------------1234567 072913 1234567 072913 1234567 072913

S000001 TID9999 6446442

MISCELLANEOUS ACT1234 10.007654321 5.00123456 1.00CARD PROCESSING FEES: TOTAL POS SALES : TOTAL PAPER SLES : TOTAL MISCELLANEOUS : TOTAL REV-CHRGBACKS : TOTAL ADJUSTMENTS : STORE INCENTIVE : RETAILER FUND REBATE: TOTAL AMT CREDITED : GROSS AMT SUBTOTAL :

N/A N/A N/A

$10,635.45 $24.00 $20.00

TAX2345 5.00FCO3456 5.00HOSTDIS 2.00 $204.42$10,455.03 $20.00 $24.00$0.00 $0.00 $0.00 $0.00 $10,451.03

$10,679.45

$10,679.45

DISTRIBUTOR SUMMARY SECTION –TOTAL REIMBURSEMENT FOR ALL SITES

CARD PROCESSING FEES: TOTAL POS SALES : TOTAL PAPER SLES : TOTAL MISCELLANEOUS : TOTAL REV-CHRGBACKS : TOTAL ADJUSTMENTS : STORE INCENTIVE : RETAILER FUND REBATE: TOTAL AMT CREDITED : GROSS AMT SUBTOTAL :

$204.42$10,455.03 $20.00 $26.00$0.00 $0.00 $0.00 $0.00 $10,449.03

$10,679.45

Imprinted Paper Sales Ticket payments are identified by the 7-digit paper ticket number MISCELLANEOUS deductions are listed separately and in total: TAX=Tax Chargebacks, ACT=EM Gift Card Activations/Reloads, FC=Fuelman Fleet sales, Service Station Discounts are identified by the 6-digit sale invoice number, Chargebacks are identified by the 7-digit partial card account number and Host Discounts are identified by HOSTDIS Total Adjustments – total of all adjustments not shown elsewhere on this report, including Retailer Requested adjustments Promotions

$10,679.45

PROCESSING DATE** : 07/30/13 *NETTED AGAINST DRAFTS/INVOICES **DEPOSITED NEXT BANK BUSINESS DAY

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Section 7 | Reimbursements

Reporting and Reimbursement Timing Reporting and Funding Timing The Card Guide Issuer will process Sales Tickets submitted by the Retailer/BW and fund ExxonMobil for such Sales Tickets in accordance with Section 10 of this Card Guide and a separate agreement between the Card Guide Issuer and ExxonMobil. Notwithstanding anything to the contrary in this Card Guide, under no circumstances will the Card Guide Issuer be obligated to fund ExxonMobil for Sales Tickets prior to receipt by the Card Guide Issuer of funds from Acquiring Entities corresponding to such Sales Tickets. However, the Card Guide Issuer has entered into a special arrangement with ExxonMobil to provide expedited funding for Sales Tickets, subject to certain limitations. The Card Issuer’s expedited funding guidelines are as follows:

Net Card Reimbursement against Open Invoice(s) & Retailer Notification Report

Net Draft in Bank Account

Monday

Tuesday

Wednesday

Tuesday

Wednesday

Thursday

Thursday

Friday

HOST Day Close*

Wednesday Thursday

Friday

Monday

Friday

Saturday

Monday

Saturday

Sunday

Monday

Sunday

Monday

Tuesday

*Sales will be reported and funded in the timeframe above for sales processed between yesterday’s close and today’s close. If a site closes the HOST before 11:45pm, any sales processed after today’s HOST close will be reported and funded a day later than the timeframe above.

For purposes of illustration, the guidelines provide that Monday’s electronic sales are to be processed on Tuesday and then netted against any drafts or outstanding invoices. In such event, the credit or debit balance would be adjusted and applied by ExxonMobil against your bank account on Wednesday. This example assumes that there are no bank holidays. When there is a bank holiday on the funding day, the guidelines provide that the funding would not be available until the next banking business day.

continued on next page >

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Section 7 | Reimbursements

Reporting and Reimbursement Timing (continued) The foregoing expedited funding guidelines are not binding on the card guide issuer. The card guide issuer may cease funding pursuant to such guidelines with or without notice to Retailer/Branded Wholesaler, in which case funding will be provided, in accordance with paragraph 37 of section 10, subsequent to the receipt of funds corresponding to the applicable sales ticket.

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Section 7 | Reimbursements

Card Processing Fees (Effective November 1, 2012)

Card Type1 ExxonMobil Consumer & Business Cards ExxonMobil Gift Card 2 ExxonMobil FuelCircle Reward Card 2

Processing Fee (% of Sales Amount plus Per Transaction Fee) No Fee $0.10

ExxonMobil Fleet Card

1.50% + $0.10

Esso Fleet Card

1.50% + $0.10

ATM Debit Cards & EBT Cards

1.26% + $0.10

Visa Credit and Signature Debit • Speedpass • Electronic – except Speedpass MasterCard Credit and Signature Debit • Speedpass • Electronic – except Speedpass Discover and JCB • Speedpass • Electronic – except Speedpass American Express • Speedpass • Electronic – except Speedpass

1.67% + $0.10 1.77% + $0.10

1.80% + $0.10 1.90% + $0.10

1.90% + $0.10 2.00% + $0.10

2.25% + $0.10 2.90% + $0.10

CarCareONE

2.00% + $0.10

Third Party Fleet Cards3

3.00% + $0.10

Paper Sales Ticket

3.4%

1Unless

otherwise noted, the fee for a card type applies to both card-based and Speedpass transactions. processing fees are not charged to retailers for purchases of ExxonMobil Gift Cards. 3 Includes Voyager and WEX cards. 2 Card

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Section 7 | Reimbursements

Daily and Monthly Sales Fee Reports The BW Daily (DFM) and monthly (FMM) Sales Fee Reports are available to BWs on the ExxonMobil portal. Sites and/or BW personnel may receive the Site DFM/FMM Reports via email. BWs must set up the email addresses at least two days prior to the site start date to ensure on-time delivery of these reports. See Section 1 of this document for BW instructions. These reports are not available at the Site System. • The monthly report is available the first day of the month for the previous month sales. • BW Reports are available by site and by settlement entity (BW total). • Reports available daily at the same time as existing ExxonMobil/Retailer portal settlement reports. • The reports are downloadable using existing interfaces and applications at DTN (now Schneider Electric). • These are statistical reports which should only be used as a tool to manage your business and cannot be used as financial settlement documents. • Due to the level of statistical details, please be aware that Report calculations could reflect minor differences from settlement due to system rounding.

Report Content • Gross sales for each card type • Processing fee for each card type • Net sales for each card type • Total credit value and associated fees • Total debit value and associated fees • Total Speedpass value and associated fees • Total electronic sale value and associated fees • Total inside sales value and associated fees • Total outside sales value and associated fees • Total fuel sales and associated fees • Total non-fuel sales value and associated fees • Total split product sales value and associated fees

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Section 7 | Reimbursements

Daily Sales Fee Report Example DAILY SALES FEE REPORT SALE DATE: Jul 29,2013 PROCESS DATE: Jul 30,2013 DEALER # : 1234567 SAP # : 0000123456

BW Name Site Name

*O-OUTSIDE, I-INSIDE, E-CREDIT & DEBIT CARD, S-SPEEDPASS, P-PAPER, #TRANS * 3 4 4 1 1 25 13 1 34 5 26 1 2 2 1 15 7 4 3 9 22 14 4

I I I I I I I I I I I I I I O O O O O O O O O

* ** GROSS SALES AMT TRAN FEE E E E E E E E E E E E S S S E E E E E E E E E

AL AX DI EM HM MA MC NM NZ PM VI EM CC VI AL AX DI EB DF EM MA MC NM

90.38 78.16 57.26 35.00 20.00 467.22 124.60 4.12 488.81 34.94 287.39 3.78 36.27 50.00 9.84 745.23 376.06 187.35 201.44 348.18 660.39 642.00 72.87

293 DAILY SUMMARY

% FEE

.30 1.1387 .40 2.2666 .40 1.1452 .00 .0000 .10 .2520 2.50 5.8869 1.30 2.3673 .10 .0519 3.40 6.1589 .50 .4402 2.60 5.0866 .00 .0000 .00 .0000 .10 .8350 .10 .1239 1.50 21.6116 .70 7.5212 .00 .0000 .30 3.0216 .00 .0000 2.20 8.3209 1.40 12.1979 .40 .9181

8,814.93

**CARD TYPE

TOTAL FEE NET SALES AMT 1.44 2.67 1.55 .00 .35 8.38 3.66 .15 9.56 .94 7.69 .00 .00 .94 .22 23.11 8.22 .00 3.32 .00 10.52 13.60 1.32

88.94 75.49 55.71 35.00 19.65 458.84 120.94 3.97 479.25 34.00 279.70 3.78 36.27 49.06 9.62 722.12 367.84 187.35 198.12 348.18 649.87 628.40 71.55

170.59

8,644.34

#TRANS

GROSS SALES AMT

TOTAL FEES

NET SALES AMT

CREDIT CARD DEBIT CARD SPEEDPASS TOTAL SALES

146 132 15 293

5,070.02 3,122.46 622.45 8,814.93

110.84 51.61 8.14 170.59

4,959.18 3,070.85 614.31 8,644.34

INSIDE SALES OUTSIDE SALES TOTAL SALES

121 172 293

1,777.93 7,037.00 8,814.93

37.33 133.26 170.59

1,740.60 6,903.74 8,644.34

#TRANS

GROSS SALES AMT

TOTAL FEES

NET SALES AMT

189 93 11 293

7,567.43 809.19 438.31 8,814.93

142.76 20.89 6.94 170.59

7,424.67 788.30 431.37 8,644.34

SALE TYPE FUEL NON-FUEL SPLIT PRODUCT TOTAL SALES

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Section 7 | Reimbursements

Sales Fee Reports – Card Type Legend Abbreviated Card Type AF

AFFN (debit)

AL

ACCEL (debit)

AX

American Express

CC

CarCareONE

DI

Discover

EB

ExxonMobil Business

EF

ExxonMobil Fleet

EM

ExxonMobil Consumer

FC

FleetCor (Fuelman Fleet)

HM

STAR (debit)

IM

Esso Business and Fleet (Imperial Oil)

MA

Maestro (debit)

MC

MasterCard Consumer and Fleet

MJ

JCB

MU

MasterCard Purchase

NM

Interlink (debit)

NZ

NYCE (debit)

P1, P2

ExxonMobil Gift Card

PM

Pulse (debit)

SM

STAR (debit)

VI

Visa Consumer and Fleet

VO

Voyager

WX

WEX Fleet

AK

Alaska Option (debit)

CU

CU24 (debit)

SH

SHAZAM (debit)

NE

NETSDIRECT (debit)

JE

JEANIE Direct (debit)

SN

STAR Northeast (debit)

ET

EBT Cash Benefit

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Card Description

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Section 7 | Reimbursements

Loyalty Program Reimbursements ExxonMobil may introduce loyalty programs from time to time. Participation in such programs may impact the amount of reimbursement due to a participating retailer. Information on such loyalty programs and their impact, if any, on reimbursements will be described in the loyalty program documentation.

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EXXONMOBIL CARD GUIDE

Section 8 Avoiding Chargebacks and Fraud Avoiding Chargebacks and Fraud...............................8.0

Tips to Avoid Chargebacks....................................... 8.1 – 8.2



Fulfilling Requests for Ticket Copies.........................8.3 – 8.4



Common Reasons for Chargebacks................................. 8.5

ExxonMobil Card Services Chargeback Notification Letter.......................................... 8.6 Bank Ticket Requests and Multiple Sales Report................................................ 8.7 – 8.8 Tax Chargeback Invoice.................................................... 8.9

Card Prefix Number Fields............................................... 8.10



Skimming and Common Types of Fraud..........................8.11



Tips to Prevent Fraud............................................. 8.12 – 8.17



“Code 10”: Reporting Suspicious Activity.........................8.18



Card Identification Features.................................. 8.19 – 8.22

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Section 8 | Avoiding Chargebacks And Fraud

Tips to Avoid Chargebacks Q: What is a chargeback? A: T  he Card Guide Issuer has reserved the right to reclaim certain payments that the Card Guide Issuer has made to Dealers and Branded Wholesalers. Rules governing Card Guide Issuer’s right to reclaim payments are in Section 10, principally in paragraphs 70 – 73. The Card Guide Issuer can charge back some transactions even if they have been authorized by the Site System or through dial-up authorization.

Some quick checks to reduce the risk of chargebacks • Train and instruct Sales Associates in the use of this ExxonMobil Card Guide. • Accept only cards authorized in this Card Guide. • DO NOT accept expired cards! • Get Telephone Authorization when required, using the numbers on the front cover or in Section 3 only (numbers on the back of card may be fraudulent), write the approval code on the sales ticket and have customer sign. Imprint the card, date and amount of the sale. Verify that the information on the credit card and your imprinter is legible. • Site System Authorization does not override the need to get the information required. Observe Authorized Product & Services (Section 6), and Sales Limits on all credit card sales (Section 3). • Except for Electronic Sales Tickets printed on an Express Pay Unit, the signature on the back of the card must match the receipt. Customer initials or company names are not acceptable. Due to increased counterfeiting of card plastics, be sure to compare the embossed number on the credit card with the last four digits printed on the Electronic Sales Ticket. If the inside console has a PIN pad for the customer to swipe the card, the cashier must ask for the card to compare the signature and card information on the receipt. • Check Driver License visually for all card types, except in the District of Columbia, to verify customer identity and signature. See Section 3 for instructions by card type. • Obtain and submit ticket requests daily. • Maintain copies of all Electronic Sales Tickets for a period of seven (7) months from the date of purchase including sales that did not require a signature. continued on next page >

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Section 8 | Avoiding Chargebacks And Fraud

Tips to Avoid Chargebacks (continued) • Check all Keyed for Credit and Bad Mag Stripe transactions (Section 1). Always take an imprint of the credit card and have the customer sign the paper ticket. • Keep customer sensitive information in a secure location. This includes any record, journal tape, or document containing cardholder’s information such as name, address, account number, etc. • Check previous day’s sales tickets to ensure Sales Associates complied with ExxonMobil Card Guide procedures and instructions. • Check the Multiple Sales Report daily for unusual activity. • Check the card type, name and account number on the card against the sales ticket at the time of sale. If different, it may be a counterfeit credit card. • Acknowledge each customer by name while handing back the card to reduce the risk of giving the customer the wrong credit card. If a credit card switch takes place, please contact the customer service phone number on the back of the card. Contact Retailer Inquiries, 1-800-413-9966, if you have any questions. See “Code 10” – Reporting Suspicious Activity on page 8.18.

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Section 8 | Avoiding Chargebacks And Fraud

Fulfilling Requests For Ticket Copies The Card Guide Issuer may at some time request copies of sale tickets. If you receive a request for a copy of a ticket, please fax or mail the ticket request, ticket, work order, etc. to the fax number or address on the following page. Always keep copies for your files. A. Maintain copies of all Electronic Sales Tickets (excluding Express Pay) tickets for a period of seven (7) months from the date of purchase including sales tickets that did not require a signature. Securely store these tickets in your Ticket Retention File. After seven (7) months, destroy these tickets by shredding to secure cardholder information. B. For manually keyed electronic transactions, staple the signed imprinted Paper Sales Ticket to the Electronic Sales Ticket and securely store the tickets for a period of seven (7) months from the date of purchase including sales tickets that did not require a signature. After seven (7) months, shred these tickets to secure cardholder information. When a keyed ticket is requested, a copy of the imprinted Paper Sales Ticket must be returned with the copy of the Electronic Sales Ticket to prove that the card was present at the time of sale. Failure to provide the imprinted Paper Sales Ticket and the Electronic Sales Ticket at the time of the request may result in a chargeback. See Section 1 for the Bad Mag Stripe and Manual Authorizations Procedures. C. When a ticket is requested, return the original Ticket Request, a legible (clear copy of the card number, transaction date, ticket number, and amount of sale) copy of the Electronic Sales Ticket and work order, and any other documentation associated with the transactions by the due date on the ticket request to ExxonMobil Card Services. Failure to meet these requirements may result in a chargeback of the sales transaction. D. Use the outline provided in the Returning Electronic Sales Ticket Copies on the following page to return copies of Electronic Sales Ticket to ExxonMobil Card Services. See page 8.7 for additional information, including instructions for accessing ticket requests.

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Section 8 | Avoiding Chargebacks And Fraud

Fulfilling Requests For Ticket Copies (continued) It is the responsibility of the Retailer to ensure that the copy of the ticket request, sales ticket, work order, and any other documentation associated with the transaction are legible and received by ExxonMobil Card Services within the allotted time period. For manually keyed and manually authorized transactions, a copy of the imprinted Paper Sales Ticket must be returned with the copy of the Electronic Sales Ticket. In instances regarding service work or unusual circumstances, the Retailer should include a statement detailing their actions while handling the situation. Failure to meet these requirements may result in a chargeback of the sales transaction.

Returning Electronic Ticket Copies (all cards) Sales Tickets that did not require a signature must be submitted if requested.

Method

Contact Information

Verification

Fax (recommended)

1-800-204-2736 Attention: Ticket Retrievals

Call 1-800-413-9966 after 48 business hours. Note the name of the representative confirming the receipt of your ticket in case of future chargeback issues.

Overnight Mail

Retailer Services 1 Western Maryland Parkway Hagerstown, MD, 21741

Call 1-800-413-9966.

Regular Mail

Retail Services P.O. Box 6010 Hagerstown, MD 21741-6010

Call 1-800-413-9966 after 7-10 business days.

All requested tickets must be received by the due date on the request. See page 8.7 for additional information, including instructions for accessing ticket requests.

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Section 8 | Avoiding Chargebacks And Fraud

Common Reasons For Chargebacks Please call Retailer Inquiries at 1-800-413-9966 immediately upon receipt of all chargeback letters to find out if the chargeback can be disputed and, if so, instructions will be provided. Note: Visa and MasterCard issuers can charge a retailer back for a sale, primarily fraud-related, without first requesting a copy of the sales receipt. Retailers may be able to dispute these chargebacks. To help avoid chargebacks, all station personnel need to understand two important things: 1. You must be familiar with the contents of the Card Guide. 2. You must be alert because failure to follow the Card Guide instructions may result in a chargeback.

Reason

How To Avoid

*Fraud

Ensure key personnel are fully trained and familiar with the fraud prevention guidelines. See pages 8.1, 8.11 – 8.17.

Ticket Not Received within Required Time

Fax all tickets including Sales Tickets that did not require a signature immediately to 1-800-204-2736 and follow all instructions in Section 8. Verify receipt after 2 business days by calling Retailer Inquiries at 1-800-413-9966.

No/Incorrect Authorization

Make sure that authorization is obtained at the time of sale. Record authorization number on imprinted paper tickets.

Card Not Swiped via Terminal

Follow the Bad Mag Stripe and Manual Authorization Procedures found on pages 1.14 – 1.16.

No Imprint Obtained

Make sure paper tickets are sent in for processing within 5 days of the sale. See Section 5.

Duplicate Sales

Verify chargebacks for duplicate sales are actually duplicates. If the sale is not a duplicate, submit both tickets and request reversal of the chargeback.

Customer Did Not Receive Product

Make sure the signature on the back of the card matches the receipt. Customer initials or company names are not acceptable. If the inside console has a PIN pad for the customer to swipe the card, the cashier must ask for the card to compare card information and signature on receipt.

Exceeds Maximum Amount for Convenience Products

Do not allow convenience item purchases over $125.00 per transaction on ExxonMobil Consumer or Business Cards, or Speedpass, ExxonMobil Gift Cards, or CarCareONE Cards. Preparing multiple Sales Tickets in attempts to evade credit authorization requirements or maximum purchase limits set out in the Card Guide is expressly prohibited and such Sales Tickets may be charged back.

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Section 8 | Avoiding Chargebacks And Fraud

ExxonMobil Card Services Chargeback Notification Letter ExxonMobil Card Services mails a Chargeback Notification Letter to the BW and posts it to the ExxonMobil Portal once a chargeback decision has been made. The letter notifies the BW of the amount and reason for the chargeback. Sites and/or BW personnel can receive the Site Chargeback Notification Letter via email. BWs must set up the email addresses at least two days prior to the site start date to ensure on-time delivery of the report. See Section 1 of this document for BW instructions. This report is not available at the Site System. • Please call Retailer Inquiries at 1-800-413-9966 immediately upon receipt of all chargeback letters to find out if the chargeback can be disputed and, if so, instructions will be provided. Note: Visa and MasterCard issuers can charge a retailer back for a sale, primarily fraud-related, without first requesting a copy of the sales receipt. Retailers may be able to dispute these chargebacks.

Sample of ExxonMobil Card Services Chargeback Notification Letter ExxonMobil Retailer Services PO Box 6603 Hagerstown, MD 21741-6603 January 30, 2014 RE: Chargeback Statement #111111 Retailer #0001234567 BW #0000123456 BW NAME BW ADDRESS BW ADDRESS Dear ExxonMobil Retailer: The following sales transaction is being charged back to you because all requirements of the ExxonMobil Card Guide were not met. Transaction number 123456

Card number 417037XXXXXX3932

Date 11/11/13

Amount 50.20

The specific reason for the chargeback of the sale follows: 432 Fraudulent Transaction - No Cardholder Authorization or does This chargeback will be collected against subsequent assignments which you submit for processing and reimbursement. Collection of this chargeback will begin approximately one week from the statement date noted above. If subsequent assignments are not sufficient to cover the amount of the chargeback, the remaining chargeback balance will be applied to your ExxonMobil A/R account and reflected on your draft confirmation statement for collection. If you have any questions, please contact our Retailer Inquiries Representatives at 1-800-413-9966. Thank you, ExxonMobil Card Services

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Section 8 | Avoiding Chargebacks And Fraud

Bank Ticket Requests & Multiple Sales Report Bank Ticket Request (RTV) • BWs should access the ExxonMobil Portal daily to obtain ticket requests for all BW sites. • Sites and/or BW personnel can receive the Site Ticket Requests via email. BWs must set up the email addresses at least two days prior to the site start date to ensure on-time delivery of the reports. See Section 1 of this document for BW instructions. This report is not available at the Site System. • Please see below for submitting the ticket requests for processing.

Ticket Request Submission • When a ticket is requested, submit the ticket request along with the signed Sales Ticket, including Sales Tickets that did not require a signature, by the due date on the request. Also submit any other documentation (retailer-written rebuttal, customer complaint, etc.) associated with the transaction. If the sale was manually keyed, always include the signed imprinted Paper Sales Ticket. • Fax the legible submission to 1-800-204-2736. Keep the fax confirmation and verify receipt and legibility after 48 business hours by calling 1-800-413-9966. Retailer can also mail these submissions to: Retailer Services P.O. Box 6010 Hagerstown, MD 21741-6010 • Always keep the fax confirmation, tickets, ticket requests, work orders, etc. in case of a future chargeback issue.

Multiple Sales Report (MSR) BWs must set up the site and/or BW personnel email addresses at least two days prior to the site start date to ensure on-time delivery of the report. See Section 1 of this document for BW instructions. This report is not available at the Site System. The Multiple Sales Report shows cards purchasing multiple times in one day. This includes inside purchases only on all cards with the exception of Debit and Fleet cards.

continued on next page >

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Section 8 | Avoiding Chargebacks And Fraud

Bank Ticket Requests & Multiple Sales Report (continued) Ticket Request TICKET REQUESTS SITE NAME:

TRANSMISSION DATE: 01/30/14 Site Name

RETAILER TKT CASE NUMBER NO. NO. AMOUNT DATE ----------------------------------------------------------------------1234567 123456 123456789 30.20 072913 TOTAL

30.20

FAX OR MAIL TICKET REQUEST, TICKET, WORK ORDER AND ALL OTHER SUPPORTING DOCUMENTATION NO LATER THAN 2/13/14. INCLUDE THE LOCATION NAME, YOUR NAME, PHONE# AND FAX#. CALL 1-800-413-9966 48 HOURS AFTER FAXING TO VERIFY RECEIPT AND CONFIRM LEGIBILITY. SEE CARD GUIDE, SECION 8, FOR ADDITIONAL INFORMATION. FAX: 1-800-204-2736 MAIL: PO Box 6010, Hagerstown, MD 21741-6010

Multiple Sales Report * 1234567 MULTIPLE SALES 01/30/2014 Sale Date 01/29/2014 123451 123452 123453 123454 123455 123456

12:05 471724XXXXXX3224 14:07 471724XXXXXX3224 08:17 471724XXXXXX3872 16:17 471724XXXXXX3872 12:41 475038XXXXXX7572 16:38 475038XXXXXX7572

16.13 41.99 32.47 25.06 17.42 5.00

*Check the Multiple Sales report daily for unusual activity. Note: The MSR report is a Site report only and not available to BWs on the ExxonMobil Portal.

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Section 8 | Avoiding Chargebacks And Fraud

Tax Chargeback Invoice Certain state, government, and commercial accounts are set up as tax-exempt accounts. The price of fuel includes federal and state excise taxes, environmental fee taxes, and sales taxes if applicable in your state. These taxes and fees are included when the fuel purchase is made. Tax-exempt accounts are billed for the amount of the sale less the taxes and fees which are exempt within that taxing jurisdiction. • Each month an invoice1 is mailed to the BW and posted to the ExxonMobil Portal that details the taxes charged on tax-exempt accounts for the previous month. The Retailer is charged back for the taxes from the invoice each month on the 24th. The Retailer can receive reimbursement for the tax chargeback by filing the invoice with their tax return or by submitting a refund request with the taxing jurisdiction. • Sites and/or BW personnel can receive the Site invoice1 via email. BWs must set up the email addresses at least two days prior to the site start date to ensure on-time delivery of this report. See Section 1 of this document for BW instructions. This report is not available at the Site System.

Sample of a Tax Chargeback Invoice1 BW BW BW BW

DATE: 01/03/2014

Name Address Address Address

CHARGED 4.42 DEALER # 0001234567 BW # 0000123456 SITE NAME SITE ADDRESS SITE ADDRESS

THIS ADJUSTMENT IS FOR STATE EXCISE GAS TAX DEDUCTED FROM TAX EXEMPT CREDIT CARD ACCOUNTS. YOU SHOULD USE THIS DOCUMENT TO SUPPORT RECOVERY OF THE STATE EXCISE GAS TAX WHEN FILING YOUR TAX RETURN. THE TAX AMOUNT IS CALCULATED BY APPLYING THE RATE AGAINST EITHER THE GALLONS OR THE NET AMOUNT OF THE SALE, WHICH IS THE GROSS AMOUNT LESS TAX.

FOR QUESTIONS, PLEASE CONTACT EXXONMOBIL RETAILER INQUIRIES @ 1-800-413-9966 THE TAX ADJUSTMENT REFLECTED ON THIS TAX CHARGEBACK INVOICE WILL BE PROCESSED ON THE 24TH OF THE CURRENT MONTH.

869926402

GROSS GALLONS US POSTAL SERVICE 630 $41.01 2.4

869926402

US POSTAL SERVICE 630 $32.72

TOTAL ADJUSTMENTS:73.73

9.9 12.3

TAX

TRAN DATE

.1900

RATE

2.36

12/15/2013

FEIN NUM 941308560

.1900

1.88

12/20/2013

941308560

5.24

1T he

tax invoice will be mailed to the party responsible for filing taxes for the location. It is important to note that tax types and amounts charged to the BW can periodically change due to changes in laws or policies.

For questions, please contact ExxonMobil Retailer Inquiries at 1-800-413-9966.

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Section 8 | Avoiding Chargebacks And Fraud

Card Prefix Number Fields Card Name

Range or Begins with

ExxonMobil Consumer

7302

ExxonMobil Business

7187

ExxonMobil Fleet

7328

ExxonMobil Gift Card

60064911

FuelCircle

6006491590

MasterCard

51‑55

MasterCard Fleet

5567-5569, 556083-556599, 553231-553380

MasterCard Purchase

540500‑540599, 555000‑556699

American Express

34XX, 37XX

Discover, BCcard & China Union Pay (CUP)

6011, 622-659

Diners Club

36XX, 300-305, 3095, 38-39

JCB

3528-3589

WEX

690046, 707138

ExxonMobil Universal Card and ExxonMobil Fleet National Card

6900460496

Visa Fleet

448460-448611, 448613-448699, 48070-48084

Visa

4XXX

Esso Business and Fleet

704200

Voyager

708885-708889

CarCareONE

601918, 602052

Fuelman Fleet

707649, 707685

8.10

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Section 8 | Avoiding Chargebacks And Fraud

Skimming and Common Types of Fraud Credit card fraud has increased dramatically over the past few years. Fraud losses are a major concern. Fraud prevention requires teamwork on the part of the retailer, ExxonMobil and The Card Guide Issuer. If you think something is attached to your pump or suspect fraud, contact Site System Help Desk Support. • Skimming: Involves utilizing a skimming device to copy magstripe information from a legitimate credit card into a card reader device. The magstripe information is then transferred to another form of plastic or sometimes a hotel room key. The fraudulent card is used to make fraudulent purchases. Skimming devices can store up to several hundred different account numbers. In addition to skimming devices, laptop computers can also be connected to the register. This action captures all the credit card numbers that were used at the pump islands and inside the store. Skimming devices have been found in some stores, attached to the inside of dispensers. Typically these are small items, often about the size of a book of matches, and are attached to the card reader or to the wires connecting to the card reader. • Palming: Occurs when a cardholder presents the card for payment and the card is purposefully not returned to the cardholder. The card is then fraudulently used to make purchases. In this case the cardholder does not realize he forgot his card until the charges appear on their billing statement. • Switching: Occurs when a cardholder presents his card for payment and the employee purposefully returns a card that is not the cardholder’s. In this case, the cardholder does not notice the switch until he attempts to use the card again a few days later, by which time fraudulent charges have occurred. • Unauthorized Use/Lost or Stolen Cards: Occurs when a person presents a card for payment without the knowledge or authorization of the cardholder. The lost or stolen cards are then presented for payment. In some cases, fraudsters have fake IDs or they anticipate that the store will not ask for ID.

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Section 8 | Avoiding Chargebacks And Fraud

Tips to Prevent Fraud Be Suspicious of These Types of Purchase Activity • Unusual patterns on ticket copy requests such as frequent sales on the same shift or by the same associate. • Significant change or a radical increase in sales (e.g., diesel, gasoline, etc.) • Review all Bad Mag Stripe transactions. • Be suspicious of manually imprinted sales when the System is functional. • Investigate unusual changes in your credit/cash transaction ratios. • Multiple purchases of cigarettes, gift cards, and/or other high-value, easily re-sellable merchandise. • Multiple purchases of gasoline on the same card or Speedpass in an unrealistic time frame. • Customers asking for cash back on a credit card not using a PIN-based debit card. • Large sale amounts to the same customer on the same day or consecutive days. • Customers who walk in to make a purchase and do not have a vehicle. • Customers who park out of sight to avoid vehicle identification. • Customers who want cash and ask you to write it up as “merchandise” Split sales are not allowed, and are described in Section 10, paragraphs 23 and 27. • Customers who cannot spell the name embossed on the credit card and need to copy it from the card. • Customers who rush the cashier through the sale or refuse assistance. • Numerous vehicles filling up at the same time on the same card/Speedpass – e.g., vehicles with large tanks, vans, mini buses, taxicabs, etc. • Customers activating multiple pumps or testing multiple cards. • Customers at the pump asking others, “cash or credit?” • Customers who have no concern for price or attempt to buy prepaid/gift cards, money orders or lottery tickets. • Customers who do not have an ID or customers who remove the credit card from their pocket, not their wallet. • Customers making multiple purchases or using multiple cards when Store & Forward has been activated. continued on next page >

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Section 8 | Avoiding Chargebacks And Fraud

Tips to Prevent Fraud (continued) Fraud Prevention Tips • Consider using video cameras to document and deter fraud. • Keep customer sensitive information in a secure location for 7 months. • After 7 months, destroy all tickets in such a manner that the credit card number cannot be read. Any other materials, such as Site System Reports that contain card numbers or information uniquely identifiable to a customer, must also be destroyed in a manner such that the card number or information cannot be read. We recommend you shred these documents.

Speedpass Fraud Prevention • Educate your customers. Remind them to always remove their Speedpass when they give up their car keys (e.g. car wash, repair shop, valet parking). • If you have a repair shop, have employees inspect all customer key rings for Speedpass and return the Speedpass device to the customer immediately.

In-Store Fraud Prevention • Protect customer information. It is a crime to sell account numbers or otherwise participate in identity fraud. • You may check driver’s license visually (except in the District of Columbia) to verify customer name and signature. Some card types allow the retailer to record a driver’s license number on the sales ticket where allowed by law. See Section 3 for instructions by card type. Do NOT record personal information unless you are sure it is permitted in your state. The following states are known to prohibit recording such information: CA, DE, DC, GA, KS, MD, MA, MN, NV, NJ, NY, OH, OR, PA, RI and WI. Your state may also prohibit recording information. Check with your own legal counsel before recording information from a driver’s license. • Compare the Signatures. Make sure the signature on the back of the card matches the receipt. If the inside console has a PIN pad for the customer to swipe the card, the cashier must ask for the card to compare the signature and card information on the receipt. • Hold the card. Never swipe the card and hand it back before obtaining approval. Holding the card until the customer signs the receipt gives you the opportunity to compare the signature with the signature on the back of the card. continued on next page >

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Section 8 | Avoiding Chargebacks And Fraud

Tips to Prevent Fraud (continued) • Compare the embossed account number with the partial account number printed on the receipt. Also, if the card type and the customer name appear on the receipt, compare this information to the card. If any of the above do not match, chances are you have a skimmed card. (But you will only know if you hold the card!) Cancel the sale and ask for another form of payment if they do not match. • Review Multiple Sales Report daily for unusual activity (see page 8.7 – 8.8). • Check to make sure the embossing is straight and clear and verify that there are no stickers placed to cover original information. • Secure Speedpass applications and journal tapes to secure cardholder information. • Know the credit card features. Each card type has its own security features (see page 8.19 - 8.22). • Keep customer sensitive information in a secure location for 7 months to secure cardholder information. • After 7 months, destroy all tickets in such a manner that the credit card number cannot be read. Any other materials, such as Site System Reports that contain card numbers or information uniquely identifiable to a customer, must also be destroyed in a manner such that the card number or information cannot be read. We recommend that you shred these documents.

continued on next page >

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Section 8 | Avoiding Chargebacks And Fraud

Tips to Prevent Fraud (continued) Pump Island Skimming and Fraud Prevention 1. You should monitor your store for unauthorized skimming devices in pumps. When you change paper in your dispensers, look for suspicious or unusual wires or devices. Be alert to suspicious activity around your dispensers. If you think something is attached to your pump, contact Site System Help Desk Support. 2. Visit the islands. Fraudsters don’t like to be watched. Make it a point to walk around your island and watch what’s going on, even if under the pretense of collecting trash. The easier you make it, the more they’ll target your station. 3. Employees should use the intercom and ask if the customer needs assistance when they have been at an outside pump for an extended period of time. Once the fraudster knows they’re being observed, chances are greater that they will leave. 4. Turning off the pump is also an option but only if you feel safe. Employees working alone at night may not feel comfortable doing this. In those cases, they can notify the police. Again, only turn off the pump if you feel safe. 5. Visit the station during unscheduled hours. This serves two purposes: employees stay on their toes, and managers are able to better understand business patterns both inside the store and at the pumps.

continued on next page >

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Section 8 | Avoiding Chargebacks And Fraud

Tips to Prevent Fraud (continued) ExxonMobil Fraud Controls 1. Positive authorization checks account data on all credit cards used at ExxonMobil locations to ensure that the magnetic stripe information matches the card issuer’s database. 2. All ExxonMobil cards now have CAV (Card Authentication Value) in the magnetic stripe. The CAV helps to prevent fraudsters from counterfeiting or creating dummy cards in certain circumstances. 3. The number of transactions allowed at the pump can be reduced, forcing the customer to go inside to pay. 4. A Zip Code Prompt may be installed. In high fraud areas the customer is prompted at the pump before approval to enter his or her billing zip code. This has been proven to be very successful. 5. The potential does exist to charge back fraud at the pump. 6. The card readers at certain high fraud stations can be turned off during certain times. ExxonMobil will notify you when this takes place. 7. ExxonMobil will study customer buying patterns in an effort to provide an early warning that a customer’s account is being misused. 8. ExxonMobil personnel assist in a wide variety of fraud prevention activities. 9. A CD-ROM on fraud prevention is available. This CD provides valuable fraud awareness tips for managers and sales associates. If your site did not receive this mailing, please email your name, complete mailing address (no P.O. boxes), and phone number to: [email protected] with “Fraud CD” as the subject.

continued on next page >

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Section 8 | Avoiding Chargebacks And Fraud

Tips to Prevent Fraud (continued) Satellite Dish Fraud Prevention 1. To reduce the possibility of chargebacks, notify Site System Help Desk Support if the site goes into S&F unexpectedly to help determine if this is an equipment problem or fraudulent activity that may be occurring at the site. 2. Check the Multiple Sales Report daily for unusual activity. 3. Personally watch for suspicious activity and call police immediately if you notice unauthorized person(s) at the site. 4. Be suspicious of these types of purchase activity: –– Same card/Speedpass being used for numerous vehicles simultaneously (especially vehicles with large tanks – vans, mini buses, taxicabs, etc.) –– Same card/Speedpass used for many purchases during a short time period –– Large sales amounts to the same customer on the same day or consecutive days –– Customers activating multiple pumps or testing multiple cards –– Customers loitering near pump and asking others “Cash or Credit?” –– Significant change or radical increase in gasoline sales

PIN Debit Entry Devices Inspect PIN entry devices, inside the store and on the pumps, on a regular basis for signs of tampering.

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Section 8 | Avoiding Chargebacks And Fraud

“Code 10”: Reporting Suspicious Activity If something about a credit card sale strikes you as “suspicious,” call the appropriate card issuing company and request a “Code 10” authorization. That’s the term for letting the operator know you suspect fraud. Inform the customer the terminal had problems and you need to call in for authorization. The operator will check to see if the card has been reported and they will advise you what to do. If you feel uncomfortable, or have a line of customers, call for a “Code 10” after the customer leaves the store. It’s never too late to call; this step may prevent the card from being used again.

To Report Suspicious Activity Card

Phone Number

Hours

ExxonMobil Consumer Cards

1-800-344-4355

24 hours a day, 7 days a week

ExxonMobil Business Cards

1-800-903-9966

24 hours a day, 7 days a week

Speedpass

1-87-SPEEDPASS (1-877-733-3727)

5am–11pm CST, 7 days a week

ExxonMobil Fleet Cards

1-800-624-5140

American Express

Discover, JCB, Diners International, BCcard and China Union Pay (CUP) Visa/MasterCard

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1-800-528-2121 press “5,” press “5” and request “Code 10” 1-800-347-1111, press *0# and request “Code 10” (Merchant #60110 16110 00009) If the customer is present, call 1-800-479-2757, press “1,” press “2” and request a “Code 10” for suspicious activity. If the customer has left the store, ask for the issuing bank’s phone number to report suspicious activity for a customer that is not present.

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Section 8 | Avoiding Chargebacks And Fraud

Card Identification Features Visa • All Visa account numbers start with 4. The embossing should be clear and uniform in size and spacing. • The Bank Identification Number (BIN) is pre-printed above or below the embossed account number and must match the first four numbers of the account number. • The signature on the sales draft should match the signature on the back of the card. A three-digit Card Verification Value 2 (CVV2) is indent-printed on the back of all cards, usually in the top-right corner of the signature panel. • The last four digits of the account number embossed on the card must match the account number printed on the sales draft or displayed on the terminal (if equipment allows). • A three-dimensional dove hologram should reflect light and seem to change as you rotate the card. • The magnetic stripe should appear smooth and straight with no signs of tampering. • All Visa Cards must be signed before they are valid. If the card is not signed, ask the cardholder to provide a valid government ID (e.g., driver’s license except in Washington D.C.). Then have the customer sign the card. Check to be sure the signatures match. New Card Features • The holographic magnetic stripe on the back of card by the signature panel now incorporates the dove hologram. Doves appear in multiple color animation when the card is moved from side to side. The black dot behind the middle dove appears to move when the card is moved from side to side. • The signature panel on the back of the card can have a custom design. • Any attempt to erase the signature will cause the word “VOID” to appear. • The 3-digit security code will appear either directly on or to the right of the signature panel. • The new Visa brand mark appears in blue and gold on a white background and is more prominent than before. If you are ever suspicious about the card, call 1-800-479-2757 for a “Code 10” Authorization. If requested, supply Merchant Number 146. continued on next page >

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Section 8 | Avoiding Chargebacks And Fraud

Card Identification Features (continued) MasterCard • All MasterCard account numbers start with 5. The embossing should be clear and uniform in size and spacing. • The pre-printed Bank Identification Number (BIN) must match the first four digits of the embossed account number. • The transaction date must coincide with the valid dates embossed on the card. • The back of the card must be signed and the signature should match the signature on the sales draft. • A three-dimensional hologram with interlocking globes should reflect light and seem to change as you rotate the card. • The magnetic stripe should appear smooth and straight with no signs of tampering. • The word “MasterCard” is printed repeatedly in multicolors at an angle on a tamper-evident signature panel. The three-digit card validation code (CVC2) is indent-printed on the panel in reverse italics. • The last four digits of the account number embossed on the card must match the last four digits of the account number printed on the sales draft. If you are ever suspicious about the card, call 1-800-479-2757 for a “Code 10” Authorization. If requested, supply Merchant Number 146.

continued on next page >

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Section 8 | Avoiding Chargebacks And Fraud

Card Identification Features (continued) Discover Financial Services, Inc. All valid standard rectangular plastic Cards bearing the Discover Network Acceptance Mark or the Discover/NOVUS Acceptance Mark include the following common characteristics and distinctive features. • Card Numbers composed of at least 16 digits are displayed on the front of the Card. • Card Numbers should be clear and uniform in size and spacing within groupings. • Expiration date, if present, appears in a mm/yy format and indicates the last month in which the Card is valid. • Cards issued before October 3, 2008, display the Discover Network three dimensional hologram: a distinct circular shape and images of a globe pierced by an arrow, water, and stars on a repetitive pattern background (the “Discover Network Hologram”), appears on the front of the Card. The Discover Network Hologram reflects light and appears to move as the Card is rotated. • All Cards display a magnetic stripe on the reverse side of the Card. As of October 3, 2008, new Cards feature a three-dimensional holographic design that is incorporated into the magnetic stripe. A series of distinct circular shapes will be visible across the length of the magnetic stripe, with blue glows between each shape. When the Card is rotated, the holographic design will reflect light and there will be apparent movement and color switching within the circular shape. • Cards displaying either the Discover Network Hologram or the holographic magnetic stripe are valid as of the effective dates indicated above, with the Discover Network Hologram eventually replaced by the holographic magnetic stripe for new Cards. Although both the Discover Network Hologram and the holographic magnetic stripe will each appear on Cards, valid Cards will not display both designs. –– Depending on the issuance date of the Card, the words “Discover” or “Discover Network” will appear in ultraviolet ink on the front of the Card when it is held under an ultraviolet light. –– An underprint of “void” on the signature panel becomes visible if erasure of the signature is attempted.

continued on next page >

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Section 8 | Avoiding Chargebacks And Fraud

Card Identification Features (continued) –– The Card Number or portion of the Card Number displayed on the signature panel on the back of the Card should match the number displayed on the front of the Card and appear in reverse indent printing. –– The Card Number on the back of the Card is followed by the Card Identification Data (CID). –– An overprint on the signature panel reads Discover Network. On some cards, the overprint may display the name of the card (i.e. Discover, Discover 2GO®, Discover Platinum). Note: Valid Cards may not always be rectangular in shape (e.g., Discover 2GO ® Card) and certain valid Contactless Payment Devices approved by us for use in accessing Card Accounts (e.g. radio frequency (RF)-enabled Cards, key fobs and Mobile Commerce Devices) may not display the features described above.

Merchant “Code 10”: 1-800-347-1111 (option 3) for “Code 10” Authorization on a suspicious transaction.

American Express • Only the person whose name is embossed on an American Express card is entitled to use it. Cards are not transferable. • All American Express account numbers start with 37 or 34. The embossing should be clear and uniform in size and spacing. • The account number on the front of the card must be exactly the same as the number on the back of the card. American Express Cards are now issued with the account number and a 3-digit Card Security Code (3CSC) printed in the signature panel. (Note: Older cards and international cards may not have the Code, so do not turn away a card if it does not have the Code at this time.) • The pre-printed (non-embossed) Card Identification Number (CID) should always appear above and below the account number, on either the right or the left edge of the Card. • The signature panel on the Card should not be taped over, mutilated, erased or painted over. • All American Express cards, including Network, Optima and Corporate, will bear the same features outlined here. Merchant “Code 10”: If you are suspicious of a Card transaction, call 1-800-528-2121.

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EXXONMOBIL CARD GUIDE

Section 9 Ordering Supplies

Ordering Supplies..........................................................9.0



ExxonMobil Card Processing Supplies............................. 9.1



Retail Equipment Supply Program Price List..................... 9.2



Card Marketing Supplies................................................... 9.3



Retail Automation Supplies................................................ 9.4

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Section 9 | Ordering Supplies

ExxonMobil Card Processing Supplies Most products listed on this page are available to you from R.R. Donnelley at no charge.

Item #

Item Description

ITEM UOM Max UOM/Order

Credit Card Slips 946-0002

ExxonMobil Manual Submission Ticket

200/box

5 boxes

946-1760

Truck Stop Tickets

3000/carton

1 carton

990-0002

ExxonMobil Dealer/Branded Wholesaler Manual Paper Ticket Submission Envelope

150/pack

4 packs

990-0003

Hagerstown, MD – ExxonMobil Envelope to Submit Unpaids, Ticket Requests, Store & Forward Rejects, etc.

150/pack

3 packs

FLEETTO

ExxonMobil Fleet Application (only ordered under the 593701 account #)

50/pack

4 packs

BUSINTO

ExxonMobil Business Application – imprinted/ coded w/6-digit store number- note orders for these apps take 7-12 business days due to imprinting/coding of the 6-digit store number on the applications

50/pack

5 packs

SPEEDTO

Speedpass Application

25/pack

10 packs

ExxonMobil Apply Now Apps

ExxonMobil Apply Now (Consumer/Personal) Application – imprinted/coded w/6-digit store number- note orders for these apps take 7-12 business days due to imprinting/coding of the 6-digit store number on the applications

50/pack

5 packs

APPHOLDERS

ExxonMobil Outside Gas Pump Top Application Holders (not to be ordered by CT stores, CT stores order VERTOUTDOOR–APPHOLDER)

1 each

12 each

VERTOUTDOOR – APPHOLDER

Outside Acrylic Application Holder (This is the vertical holder needed for stores that cannot put the acrylics on top of the pumps)

1 each

12 each

EMAPPHOLDER

ExxonMobil Inside Application Holder 6 tier clear

1 each

2 each

EMCARDGUIDE

ExxonMobil Card Guide

1 each

2 each

Envelopes

Applications

Applications

See R.R. Donnelley Ordering instructions on next page.

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Section 9 | Ordering Supplies

Retail Equipment Supply Program Price List Eom Equipment Printer Model

Roll/Item Description Width x Diameter x Length

Price Per Quantity Roll/Carton

ExxonMobil Roll Pay at the Pump Outdoor Device

1-part, White (Direct Thermal) 2-5/16” x 3” x 210’

50 rolls/carton

$1.13/$56.50 (including freight)

ExxonMobil Roll Pump Outdoor Device rolls

1-part, White (Direct Thermal) 2-15/16” x 4” x 415’

12 rolls/carton

$1.99/$23.88 (including freight)

946-0001

ExxonMobil Paper Ticket/Manual Ticket

Paper Ticket/Manual Ticket

300 tickets/box

$10.21/box

FCO65POSCL-1

Retail Sales Receipt Continuous – 2PT

Retail Sales Receipt Continuous – 2PT

3,000 $58.99/carton tickets/carton

Roll Item # Gilbarco 239300B

Dresser Wayne 239301B

Tickets

Note: If you purchase manual imprint ticket forms from a vendor other than R.R. Donnelley, you should ensure that those tickets contain the same wording as appears on our manual ticket forms. You may also be responsible for legal actions if the tickets do not comply with any laws on the information legally permitted to be recorded on a credit sale receipt.

R.R. Donnelley Ordering Please reference contract CA135 when ordering. Credit card payments are preferred.

Phone......................................................................................................1-800-416-8151 Fax.......................................................................................................... 1-800-553-9715 E-Mail.......................................................................................... [email protected] RPM can no longer be used to order supplies on this and the previous page.

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Section 9 | Ordering Supplies

Card Marketing Supplies Item

Vendor

Contact

Hours

POP Signs, Brochures, Door Decals, and Pump Decals

RPM (Retailer Promotional Marketing)

1-800-636-4POP (4767) www.emrpm.com or www.exxonmobil.com/online

M–F 8:15am – 9pm CST

Canopy Upgrades, Building Upgrades, Car Wash Graphics, Store Front Decals and Dispenser Decals

LSI Graphic Solutions Plus

1-800-688-8843 1-866-966-7878 (fax) [email protected]

M–F 8am – 5pm CST

Windshield Service Centers, Trash Cans & Planters

DCI Marketing

1-800-782-7273

M–F 8am – 5pm CST

Misc. Sign Frames, including Pump Topper Frames

M&M

1-888-338-3366

M–F 8am – 5pm EST

Zip Code Prompt Pump Tents

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Call your TM

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Section 9 | Ordering Supplies

Retail Automation Supplies Supplies for your retail automation equipment may be ordered through R.R. Donnelley. R.R. Donnelley inventories all automation products such as ribbons, printer paper, and other items associated with the automation program.

R.R. Donnelley Ordering Please reference contract CA135 when ordering. Credit card payments are preferred.

Phone......................................................................................................1-800-416-8151 Fax.......................................................................................................... 1-800-553-9715 E-Mail.......................................................................................... [email protected]

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EXXONMOBIL CARD GUIDE

Section 10 Agreements Agreements and Definitions.......................................10.0

Terms and Conditions..........................................10.1 – 10.22

Definitions......................................................... 10.22 – 10.25

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Section 10 | Card Guide Agreement

Terms and Conditions This Agreement sets out terms and conditions applicable to the Retailer/Branded Wholesaler’s submission of Sales Tickets for processing, the funding of ExxonMobil with respect to such Sales Tickets, and certain general provisions (e.g., indemnification and chargeback obligations) relating to such Sales Tickets. Additional terms and conditions may apply to the processing of Cards pursuant to agreements between ExxonMobil and the applicable Acquiring Entities or the Bank. NOTE: The Card Guide Issuer makes no representation or warranty that compliance with this Agreement will result in the acceptance of all Sales Tickets by the Bank or any Acquiring Entity or in the avoidance of any sanction that may be imposed thereby. Unless otherwise defined herein, all capitalized terms shall have the meanings set forth in paragraph 96 hereof. All references in the singular or the plural include the other.

Role of the Card Guide Issuer 1. Citibank, N.A. (the “Card Guide Issuer,” which term shall include its successors, transferees and assigns) shall be responsible for processing Retailer/Branded Wholesaler Sales Tickets that conform with this Card Guide. The Card Guide Issuer shall be responsible for providing funding, with respect to such Sales Tickets, in accordance with the provisions of this Card Guide (see, for example, the paragraphs below, including paragraph 37).

Issuance of this Card Guide 2. The Card Guide Issuer issues this Card Guide. Only Sales Tickets created using the Cards are acceptable for submission to the Card Guide Issuer for processing and funding.

Acceptance of this Card Guide and this Agreement 3. The Retailer/Branded Wholesaler becomes authorized to submit Sales Tickets under this Card Guide by submitting Sales Tickets upon, and after, the provision of notice by the Card Guide Issuer, using any of the permitted methods for providing notice allowed herein in accordance with paragraph 5, that the Card Guide is effective. Such submission will constitute the acknowledgment of the Retailer/Branded Wholesaler of its receipt and acceptance of, and agreement to, this Card Guide and this Agreement. 4. The Retailer/Branded Wholesaler shall comply, and shall cause its dealers to comply, with the terms of this Card Guide and such other operating instructions as the Card Guide Issuer delivers or makes available from time to time in accordance with paragraph 5. For purposes of this Section 4, “dealers” shall mean those dealers that such Branded Wholesaler supplies with Exxon or ExxonMobil Card Guide 02/14

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Mobil branded products and which submit Sales Tickets under this Card Guide. Branded Wholesalers shall provide their dealers with a copy of the Card Guide prior to submission of Sales Tickets by such dealers.

Amendments 5. The Card Guide Issuer may amend, supplement, and/or restate this Card Guide from time to time, including without limitation to both this Agreement and the other Sections of the Card Guide. Amendments, supplements, and/ or restatements that may be sent to the last known address of the Retailer/ Branded Wholesaler as inserts or attachments to other communications such as newsletters, may be provided by facsimile transmission, or may be made available electronically as email, as a posting on any ExxonMobil electronic bulletin board that the Retailer/Branded Wholesaler is authorized to access, or by any other means that are reasonably calculated to provide notice to the Retailer/Branded Wholesaler. The Retailer/Branded Wholesaler shall be deemed to have agreed to any such amendment, supplement, and/ or restatement if (a) it executes a writing to that effect or (b) it submits Sales Tickets after it has been provided with such amendment, supplement, and/ or restatement, or such amendment, supplement and/or restatement has been posted on any ExxonMobil electronic bulletin board or otherwise been made available to it electronically. THE RETAILER/Branded Wholesaler IS RESPONSIBLE FOR ENSURING THAT AMENDMENTS, SUPPLEMENTS AND/OR RESTATEMENTS ARE INSERTED INTO THIS CARD GUIDE. IN ADDITION, THE RETAILER/BRANDED WHOLESALER IS STRONGLY ENCOURAGED TO MONITOR THE EXXONMOBIL ELECTRONIC BULLETIN BOARDS TO WHICH IT HAS ACCESS TO IDENTIFY NEW AMENDMENTS, SUPPLEMENTS AND/OR ESTATEMENTS.

Effect of Earlier Agreements 6. Upon acceptance by the Retailer/Branded Wholesaler in accordance with paragraph 3 hereof, this Card Guide shall supersede all prior card guides, and any other agreements respecting the acceptance of Cards by the Retailer/ Branded Wholesaler, for which this is a replacement and shall constitute the entire agreement between the parties with respect hereto. However, it is understood that the foregoing shall in no way affect any obligations, duties, and liabilities of the Retailer/Branded Wholesaler under prior agreements relating to any such transaction or event occurring prior to the date established in accordance with paragraph 3.

Responsibility For Site System 7. The Retailer/Branded Wholesaler acknowledges and agrees that ExxonMobil and the Retailer/Branded Wholesaler bear all responsibility for the Site System and the operation thereof and that the Card Guide Issuer is not, and will not, be liable for costs or expenses of any nature incurred by the Retailer/Branded Wholesaler relating thereto.

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IN ADDITION, THE CARD GUIDE ISSUER DISCLAIMS ALL RESPONSIBILITY WITH RESPECT TO ANY SALES TICKET OR CREDIT SUBMITTED INTO THE SITE SYSTEM THAT IS NOT SUBSEQUENTLY RECEIVED BY THE CARD GUIDE ISSUER UNLESS THE RETAILER/BRANDED WHOLESALER SUBMITS A PAPER TICKET IN ACCORDANCE WITH SECTION 5 OF THIS CARD GUIDE OR UNLESS THE FAILURE TO RECEIVE THE SALES TICKET IS SOLELY CAUSED BY THE CARD GUIDE ISSUER’S FAILURE TO COMPLY WITH ITS OBLIGATIONS HEREUNDER.

Ownership of Card Guide Issuer Accounts and Indebtedness 8. The Card Guide Issuer is the exclusive owner of, and is entitled to receive all payments made with respect to, Card Guide Issuer Accounts. The Retailer/ Branded Wholesaler shall have no right, title or interest to Card Guide Issuer Accounts and shall not represent that it is the creditor or owner of, such Card Guide Issuer Accounts.

Submission of Credit Sales Transactions 9. Except as otherwise provided in this Card Guide, Card Sales involving credit Cards must be submitted to the Card Guide Issuer through the Site System. The only Sales Tickets that will be accepted for processing and funding are those arising in connection with sales on Cards and created in accordance with this Card Guide. 10. Cardholders making purchases using Cards must present valid Cards that must not have expired. 11. Card Sales must not be made: a) To presenters of mutilated Cards; b) When instructed by Card Sales Authorization or another credit authorization center “Do Not Make Sale” (or similar command); c) After being sent notice that a specific Card or Card type should no longer be accepted. 12. Except for Electronic Sales Tickets printed at an Express Pay Unit (with respect to which signatures are not required), the signatures on Sales Tickets for credit Cards must closely resemble the signatures on the signature panels of the credit Cards being used. a) For sales made with all Cards, customer initials or company names are not acceptable. b) For sales made with American Express Cards, the signatures on the Cards must match the names embossed on the front of the Cards, and closely resemble the signatures on the Sales Tickets. American Express Cards are not transferable. 13. Geographic and other restrictions on acceptance of Cards in certain states, as stated in this Card Guide, must be observed.

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14. Purchase dollar limits on acceptance of Cards, as stated in this Card Guide, must be observed. 15. THE CARD GUIDE ISSUER DISCLAIMS ALL RESPONSIBILITY WITH RESPECT TO THE PROCESSING AND FUNDING OF ANY SALES TICKET OR CREDIT THAT IS NOT RECEIVED BY THE CARD GUIDE ISSUER IN THE FORMAT AND AT THE LOCATION DESIGNATED BY THE CARD GUIDE ISSUER EXCEPT TO THE EXTENT THAT THE FAILURE TO RECEIVE THE SALES TICKET OR CREDIT IN THE FORMAT AND AT THE LOCATION DESIGNATED BY THE CARD GUIDE ISSUER IS SOLELY CAUSED BY CARD GUIDE ISSUER’S FAILURE TO COMPLY WITH ITS OBLIGATIONS HEREUNDER.

Authorized Products, Merchandise And Services 16. Products, merchandise and services which may be purchased by customers using a Card are as follows in paragraph 16 a through i. Each Retailer/Branded Wholesaler must prepare Sales Tickets, including Electronic Sales Tickets, using a code assigned by the Card Guide Issuer for the following products, merchandise and services. In order to be created and submitted in accordance with this Card Guide, a Sales Ticket must include the proper code for each of the products, merchandise and/or services included in the Sales Ticket. a) Motor fuel, lubricants, and antifreeze which are marketed by the Retailer/ Branded Wholesaler displaying ExxonMobil marks. Notwithstanding the above, gasoline and diesel fuel (excluding bio diesels and E85) are only authorized for sale on Proprietary Cards Bearing the ExxonMobil mark (excluding the ExxonMobil Universal and ExxonMobil Fleet National Cards) if the gasoline and fuel are branded with an ExxonMobil mark. Gasohol, E85, bio diesels, and other synthetic motor fuels of similar usability are authorized for sale on Proprietary Cards Bearing ExxonMobil mark. A Retailer/Branded Wholesaler selling gasoline or diesel fuel, excluding gasohol, bio diesels and E85, that is not branded with an ExxonMobil mark must notify potential customers in advance that Proprietary Cards Bearing ExxonMobil marks will not be accepted for purchases of those products. Minimum standards for such advance notice may be set by the Card Guide Issuer. b) For sales of gasoline or diesel fuel that are not branded with an ExxonMobil mark (except sales of gasohol and other synthetic motor fuels of similar usability) the CUSTOMER’s copy of the Sales Ticket must be stamped “NOT EXXON FUEL” or “NOT MOBIL FUEL.” The words must be stamped in red ink and be at least 36 points boldface (1/2 inch in height). This requirement also applies to receipts from the Express Pay Units. c) Tires, tubes, wheels, batteries, and accessories in excess of $500 must be installed in or on the vehicle. d) Convenience Merchandise, subject to the following limitations:

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i) Purchases of Convenience Merchandise by any cardholder using a Card bearing any ExxonMobil mark (excluding the ExxonMobil Universal, ExxonMobil Fleet and ExxonMobil Fleet National Cards) or for any Speedpass Sale may not exceed one hundred twenty-five dollars ($125.00) per transaction. ii) Purchases of Convenience Merchandise MUST be identified on a Paper Sales Ticket as “Convenience Merchandise.” When using the Site System, purchases of Convenience Merchandise must be identified using the appropriate product code button, such as CONVENIENCE PRODUCTS, BEVERAGE, BEER, TOBACCO, ETC. iii) Sales of beer or wine on Cards are prohibited where the sale of such products is prohibited by law. e) Car washes. f) Propane and kerosene, if sold for carry-out use and NOT put into tanks of motor vehicles. Purchases for propane and kerosene by any cardholder using a Card bearing any ExxonMobil mark may not exceed one hundred twenty-five dollars ($125.00) in one day. g) With respect to ARC Participants, merchandise authorized for sale in ARC Contracts. h) Cash-back on authorized Debit Cards, which is limited to a maximum of fifty dollars ($50.00) (See Section 3). i)

ExxonMobil Cards and ExxonMobil Gift Cards (as defined in Section 3 of this Card Guide): A maximum of $125 worth may be purchased with a Proprietary Card Bearing an ExxonMobil mark (excluding the ExxonMobil Universal, ExxonMobil Fleet and ExxonMobil Fleet National Cards). There is no limit with purchases made with cash. The ExxonMobil Gift Card cannot be used to purchase another ExxonMobil Gift Card.

17. Products, merchandise, and services which are not authorized and MUST NOT be purchased by customers using a Card are as follows: a) Alcoholic beverages (other than beer or wine, if the sale of such products is allowed by law); b) Magazines, books or other merchandise of a sexually explicit nature; c) Games of chance, except Lottery tickets where card payments are allowed by federal, state and local laws and if the Lottery tickets are paid for with an approved ATM/Debit card; d) Drug paraphernalia; e) Products or services which may adversely affect the public acceptance, favorable reputation and extensive goodwill associated with the Card Guide Issuer name or brand, the ExxonMobil marks, or the ExxonMobil name or brand; f) Cash advances or cash back is expressly prohibited except as noted above;

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g) Money orders; or h) Any good or service ordered by telephone or Internet.

Sales Tickets 18. Paper Sales Tickets must be imprinted with a card imprinter compatible with the scanning system used to process such slips (using the metal imprinter ID plate issued by the Card Guide Issuer) and completed in accordance with the instructions contained in this Card Guide. 19. Sales Tickets must be prepared at the time of each Card Sale and may not be prepared to cover sales made or to be made at a different time, date or place. Credits must be submitted at the time of each credit or adjustment to an Account and may not be submitted to cover credits or adjustments made at a previous time, date or place. 20. The buyer’s signature and authorization number (when required) must be legible and accurately recorded on every Sales Ticket; provided, the buyer’s signature is not required for Debit Card Card Sales authenticated by the buyer using his or her PIN or for Electronic Sales Tickets printed at an Express Pay Unit. 21. Due to automated processing of Sales Tickets, Sales Tickets not prepared and completed in accordance with the instructions herein may be accepted by the Card Guide Issuer without actual knowledge of breach of this Card Guide (including this Agreement and any accompanying agreements). The acceptance of such Sales Tickets by the Card Guide Issuer which do not comply with all requirements and procedures established herein SHALL NOT BE considered a mutual departure from, or an agreed modification or waiver of, the specific terms of this Card Guide (including accompanying agreements) and shall not prejudice any right of the Card Guide Issuer with respect to such Sales Ticket or any Sales Ticket subsequently submitted.

Authorization for Card Sales Processed with Paper Sales Tickets 22. Any Card Sale exceeding the limits set out in Section 3 of this Card Guide must be authorized at the time of such sale in accordance with the procedures outlined in this Card Guide. The authorization or approval code must be recorded on the Paper Sales Ticket. 23. Preparing multiple Paper Sales Tickets in attempts to evade credit authorization requirements or maximum purchase limits set out in this Card Guide is expressly prohibited. 24. The Card Guide Issuer reserves the right to require prior authorization on ALL Card Sales or on Card Sales made using certain Cards, including the right to set a zero ($0) floor limit.

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Authorization for Card Sales Processed Through the Site System 25. Card Sales Authorization should not be used for authorization of a Card Sale already authorized by the Site System. 26. For Future Use. 27. Preparing multiple Sales Tickets in attempt to evade credit authorization requirements or maximum purchase limits set out in this Card Guide is expressly prohibited. 28. All American Express, Discover, MasterCard and Visa Card Sales, regardless of the dollar amount, can be electronically authorized by the Site System. Card Sales Authorization IS NOT required if the authorization has been obtained through the Site System. 29. Except for Debit Card Card Sales authenticated by the buyer using his or her PIN, all Card Sales involving MasterCard or Visa Cards shall be treated as sales made on credit for all purposes (including for purposes of the processing fee assessed by the Card Guide Issuer as described in paragraph 37) even if such sales actually were made on such Cards having a debit feature. 30. Certain Proprietary Cards Bearing ExxonMobil marks otherwise acceptable for processing and funding by the Card Guide Issuer cannot, from time to time, be processed by the Retailer/Branded Wholesaler using the Site System. When such processing is attempted, the Site System will display the message “SUBMIT MANUALLY” or “IMPRINT TICKET.” Certain other Cards also cannot, from time to time, be processed by the Retailer/Branded Wholesaler using the Site System. When such processing is attempted, the Site System will display the message “INVALID CARD.” Consult this Card Guide for acceptability of these Cards in both cases. 31. When the Site System is not operating, or when it gives a “SUBMIT MANUALLY” or “IMPRINT TICKET” message, use the appropriate Paper Sales Ticket and follow the procedures set out in this Card Guide. 32. Except as otherwise set forth herein (see, e.g., pages 1.16 and 3.1 – 3.2), authorization for all transactions must be initially attempted through the Site System as long as the Site System is available. 33. For all credit Card Sales made by the Retailer/Branded Wholesaler using the Site System, an Electronic Sales Ticket must be printed from the Site System and signed by the customer at the time of the Card Sale, except if a Sales Ticket is issued by an Express Pay Unit. The customer should not be required to sign the Electronic Sales Ticket when the customer enters his or her personal identification number (“PIN”) into the Site System or when the transaction is completed through an Express Pay Unit. 34. Any stored electronic sales, as described in Section 1 of this Guide, must be authorized at the time of such sale in accordance with the procedures outlined in this Card Guide.

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35. For all manually keyed Site System sales, as described in Section 1 of this Guide, the attendant must imprint the Card and record all required information, including customer signature on a paper ticket, and retain the signed imprinted paper ticket with the store copy of the electronic sale.

Submission of Debit Sales Transactions 36. Card Sales involving Debit Cards must be submitted to the Card Guide Issuer through the Site System. Debit Card Card Sales authenticated by the buyer using his or her PIN may NOT be submitted to the Card Guide Issuer on a Paper Ticket. Debit Card Card Sales are authorized for processing and funding by the Card Guide Issuer only if such Cards are illustrated or listed in Section 3 of this Card Guide and processed by the Retailer/Branded Wholesaler as provided therein. Included in that portion of this Card Guide are descriptions of the specific terms and conditions under which each of the Debit Cards may be accepted. When the Site System is not operating or cannot completely process the sale, customers seeking to use Debit Cards must use alternative forms of payment. DO NOT ASK A CUSTOMER FOR HIS OR HER PIN; IT IS CONFIDENTIAL. For the avoidance of doubt, the Card Guide Issuer may use and/or dispose of the processing fee it retains in any manner that the Card Guide Issuer may choose in its sole discretion, including without limitation, paying all or part of the processing fee to ExxonMobil. The processing fee charged by the Card Guide Issuer is greater than the interchange fees imposed by credit and Debit Card networks, and the total of the processing fees paid by the Card Guide Issuer to ExxonMobil may or may not be greater than ExxonMobil’s total expenses associated with providing payment services for Retailers and Branded Wholesalers.

Processing and Payment 37. Subject to the other terms and conditions of this Card Guide, the Card Guide Issuer will fund ExxonMobil for Sales Tickets submitted by Retailers/Branded Wholesalers (such funding to be subject to setoff of any amounts by the Card Guide Issuer pursuant to this paragraph 37) for the amount of Sales Tickets arising with respect to Cards, in each case less a processing fee equivalent to a stated percentage of the sale plus an amount per Sales Ticket as stated on page 7.8. For the avoidance of doubt, the Card Guide Issuer may pay all or part of the processing fee to ExxonMobil. The processing fee charged pursuant to this Card Guide is greater than the interchange or other fees imposed by credit and Debit Card networks and the total of the processing fees paid by the Card Guide Issuer to ExxonMobil may or may not be greater than ExxonMobil’s total expenses associated with providing payment services for Retailers and Branded Wholesalers.

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Upon the Card Guide Issuer’s funding of ExxonMobil with respect to a Sales Ticket as described herein (such funding to be subject to setoff of any amounts by the Card Guide Issuer pursuant to this paragraph 37), the Retailer/Branded Wholesaler shall have no recourse whatsoever to the Card Guide Issuer with respect to such Sales Ticket and shall look solely to ExxonMobil with respect thereto. The Retailer/Branded Wholesaler acknowledges that, in addition, the Card Guide Issuer may set off from any remittance of funding amounts to ExxonMobil, any amounts then owing from ExxonMobil to the Card Guide Issuer with respect to the processing and settlement of Card Sales or with respect to the agreement between ExxonMobil, and the Bank regarding the issuance of Bank Issued ExxonMobil Cards, including without limitation amounts relating to chargebacks. The Retailer/Branded Wholesaler acknowledges that ExxonMobil (and/or the Card Guide Issuer on behalf and pursuant to the instruction of ExxonMobil) may set off, from any remittance of funding amounts to the Retailer/Branded Wholesaler, any amounts then owing from the Retailer/Branded Wholesaler to ExxonMobil with respect to fuel, rent, chargebacks as described in paragraphs 70, 71, 72 and 73 or other matters. ExxonMobil may introduce loyalty programs from time to time. Participation in such programs may impact the amount of reimbursement due to a participating retailer. Information on such loyalty programs and their impact, if any, on reimbursements will be described in the loyalty program documentation. 38. The Card Guide Issuer shall calculate processing fees as of the date of receipt of a Sales Ticket rather than as of the date of the Card Sale relating to such Sales Ticket. 39. The submission by the Retailer/Branded Wholesaler of Sales Tickets to the Card Guide Issuer for processing and funding shall constitute the Retailer/Branded Wholesaler’s consent to the refund or credit of all state, local, and federal taxes, if any, to the Card Guide Issuer, and the Card Guide Issuer shall have no liability to the Retailer/Branded Wholesaler for any such taxes. The Retailer/Branded Wholesaler warrants that the products delivered to the cardholder shall be of the same or better quality as they were when purchased from ExxonMobil Oil Corporation. As a further condition to the Card Guide Issuer’s obligation hereunder, any Retailer/Branded Wholesaler submitting a Sales Ticket for a purchase involving a Card issued to a cardholder that is exempt from state, local or federal tax, agrees that notwithstanding anything to the contrary in this Card Guide, Card Guide Issuer may withhold from payments otherwise due to the Retailer or Branded Wholesaler, the amount of the state, local or federal tax included in the Sales Ticket and from which the cardholder is exempt.

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40. The Card Guide Issuer will not accept a Sales Ticket for processing and funding unless the actual sale giving rise to such Sales Ticket occurred at the Authorized Location imprinted on the Sales Ticket, and the Authorized Location was authorized by the Card Guide Issuer to accept the sale and the type of Card used. 41. The Retailer/Branded Wholesaler is not authorized to submit for processing and funding Sales Tickets obtained from any other person or establishment, regardless of whether the Sales Tickets are obtained by purchase, exchange or otherwise, except that (a) Branded Wholesalers may submit Paper Sales Tickets obtained from retailers to whom they supplied products branded with an ExxonMobil mark, (b) Independent Resellers may submit Sales Tickets obtained from ARC Participants authorized to submit Sales Tickets through such Independent Resellers or (c) ARC Participants may submit Sales Tickets obtained from Independent Resellers authorized to submit Sales Tickets through such ARC Participants. However, if the Retailer/Branded Wholesaler submits Sales Tickets obtained from another person or establishment under the exceptions in (a) through (c) of this paragraph 41, the Retailer/Branded Wholesaler must submit, and will receive funding for all Sales Tickets of that other person and not just the Paper Sales Tickets or the Electronic Sales Tickets. 42. If a Retailer/Branded Wholesaler change-over occurs and ExxonMobil is not notified or if the retailer number of the previous Independent Reseller, or ARC Participant is used by ExxonMobil after the change-over, the delivery of funding amounts by ExxonMobil may be made to the wrong Retailer/Branded Wholesaler. In this event the Card Guide Issuer shall have no liability and it is up to the involved parties and ExxonMobil to resolve any issues as to funding between themselves. 43. Paper Sales Tickets must be submitted to the Card Guide Issuer together with submission forms. The Card Guide Issuer shall not be obligated to accept submissions of, process, or fund any Paper Sales Tickets transmitted to it more than five (5) days after the date of the Card Sale or, if Paper Sales Tickets have been lost in transit, store copies of Paper Sales Tickets transmitted to the Card Guide Issuer more than twenty-one (21) days after the date of the Card Sale. 44. The Retailer Inquiries Department of ExxonMobil Card Services must be contacted within twenty-one (21) days from the date of sale, regarding the nonpayment of any Electronic Sales Ticket or Paper Sales Ticket or any adjustments thereto. Failure to contact the Retailer Inquiries Department of ExxonMobil Card Services within such time shall relieve the Card Guide Issuer of any duty to resolve the nonpayment of the Electronic Sales Ticket or Paper Sales Ticket or any adjustments thereto. 45. The Card Guide Issuer will not accept, for processing or funding, Sales Tickets which include surcharges, and has the right, on such terms and for such periods as it may elect, to refuse to accept for processing and funding any other Sales Tickets, whether or not they include surcharges, from the Retailer/ Branded Wholesaler who submits for processing and funding any Sales Ticket which includes a surcharge.

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46. The Card Guide Issuer will only accept for processing and funding Card Sales made in accordance with the requirements of the Card Guide and covering Authorized Products and Services actually sold and delivered as stated herein. 47. The Card Guide Issuer reserves the right to accept for processing and funding only Electronic Sales Tickets properly recorded by the Site System or evidenced by a Paper Sales Ticket, in either case created in accordance with this Card Guide and covering Card Sales of Authorized Products and Services actually sold and delivered as stated in this Card Guide. 48. The Card Guide Issuer may require other supporting documentation as a condition in accepting Sales Tickets for processing and funding. In such cases, the Card Guide Issuer will accept Sales Tickets for processing and funding, subject to supplying additional documentation, if requested. Failure to supply copies of Sales Tickets or other supporting documentation as requested, may result in the refusal by the Card Guide Issuer to process and fund such Sales Tickets. 49. The Card Guide Issuer may refuse to accept for processing and funding all or any subset of Electronic Sales Tickets originating at Express Pay Units if either the Card Guide Issuer or ExxonMobil, each in its sole discretion determines that losses, costs, fees, chargebacks, fines, or penalties associated with such Electronic Sales Tickets are too burdensome to justify the continued acceptance of such Electronic Sales Tickets for processing and funding. 50. The Retailer Inquiries Department of ExxonMobil Card Services must be contacted within 90 days from the date of submission for any questions regarding historical funding information. Failure to contact the Retailer Inquiries Department of ExxonMobil Card Services within such period relieves the Card Guide Issuer of any duty to provide historical funding information. This guideline does not negate any other time requirement specified in this Card Guide or any other agreement applicable to the Retailer/Branded Wholesaler.

Other Fees 51. Acquiring Entities may have the right to charge fees or to impose some other financial burdens that may reduce the otherwise applicable reimbursement owed to the Card Guide Issuer because of the acts or omissions of the Retailer/ Branded Wholesaler or because of other business considerations applicable to the Retailer/Branded Wholesaler. The Retailer/Branded Wholesaler may from time to time be advised of the acts, omissions, and other business considerations that may result in the imposition of fees or other financial burdens by such Acquiring Entities, but the Retailer/Branded Wholesaler will be responsible for reimbursing the Card Guide Issuer for the same, whether or not it has been so advised. The Card Guide Issuer may apply funding amounts that would otherwise be delivered to ExxonMobil to the reimbursement of any such fees or other financial burdens imposed by the Acquiring Entities on the Card Guide Issuer or ExxonMobil.

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Returns, Adjustments and Corrections 52. To the extent practicable, credits shall be issued to all cardholders that return Authorized Products and Services purchased on Accounts if such returns are accepted. If there are credits submitted by the Retailer/Branded Wholesaler, the amounts thereof, less the processing fee if such processing fee was taken for such purchase when submitted, shall be deducted from amounts to be funded to ExxonMobil for the Sales Tickets. If there are no amounts to be funded to ExxonMobil for the Sales Tickets, the Card Guide Issuer may debit ExxonMobil for the amounts of such credits, and ExxonMobil may seek reimbursement for the amounts of such credits from the Retailer/Branded Wholesaler. 53. Information transmitted electronically by the Retailer/Branded Wholesaler must include data indicating the amounts of credits issued regarding Accounts with respect to returned Authorized Products and Services that were purchased pursuant to such Accounts. The Retailer/Branded Wholesaler shall process each credit in the manner that it processes Electronic Sales Tickets. 54. Any correction, including a credit which cannot be processed in the same manner that Sales Tickets are processed, shall be handled as follows: a) Card Sales completed using the Site System (whether credit Card Sales or Debit Card Card Sales) can be canceled at the station. If appropriate, a new transaction can be entered through the Site System to create a corrected Card Sale. b) If a correction to a credit Card Sale is required but cannot be implemented using the Site System, the Retailer/Branded Wholesaler should: i) Attempt to settle directly with the customer, or ii) Call “Retailer Inquiries” at 1-800-413-9966 or iii) Advise the customer of his/her right to contact the Card issuer for resolution of any further disagreements. c) If a correction to a Debit Card Card Sale is required but cannot be implemented using the Site System, the Retailer/Branded Wholesaler should: i) Attempt to settle directly with the customer, or ii) Call “Retailer Inquiries” at 1-800-413-9966 or iii) Advise the customer of his/her right to contact the Card issuer for resolution of any further disagreements. 55. Additional rules regarding returns, adjustments, corrections, and credits related to Proprietary Cards Bearing ExxonMobil marks may from time to time apply pursuant to the agreement between ExxonMobil and the Bank regarding Proprietary Cards Bearing ExxonMobil marks. Sales Tickets involving Proprietary Cards Bearing ExxonMobil marks may be subject to such rules. 56. Additional rules regarding returns, adjustments and corrections, and credits related to Cards other than Proprietary Cards Bearing ExxonMobil marks are set out in the agreements between ExxonMobil and the applicable Acquiring Entities. Sales Tickets involving such Cards may be subject to such rules.

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Sales Reconciliation (Close-Out) 57. A reconciliation (close-out) of Card Sales recorded and submitted through the Site System may be initiated at any time between 2 p.m. EST/EDT and the scheduled host close time. If the close out (day close) is not performed by the scheduled host time, the store will be force closed. The Retailer/Branded Wholesaler is REQUIRED to close out once each day.

Representations and Warranties 58. Upon the Retailer/Branded Wholesaler’s submission to the Card Guide Issuer of Sales Tickets or credits (whether credit Card Sales or Debit Card Card Sales), the Retailer/Branded Wholesaler represents and warrants that such Sales Ticket or credit (including the indebtedness represented thereby) (as appropriate): a) Is free and clear of any and all liens and the Retailer/Branded Wholesaler has the right to submit it to the Card Guide Issuer; b) Represents a bona fide sale and delivery of Authorized Products and Services or a bona fide adjustment by the Retailer/Branded Wholesaler in the ordinary course of its business; c) Is for a specified amount as stated on the Sales Ticket or, in the case of a credit, in the documentation concerning such credit submitted by the Retailer/Branded Wholesaler to the Card Guide Issuer; d) Is authorized, created and submitted in accordance with this Card Guide and is valid, accurate, legible, and complete; e) Did not arise out of any fraud or malfeasance of any buyer, employee or agent of the Retailer/Branded Wholesaler; f) Represents a valid and enforceable obligation against the cardholder and is not subject to any defense, deduction, offset or counterclaim by such cardholder; g) Arose in connection with a transaction conducted by the Retailer/Branded Wholesaler in accordance with all applicable laws and regulations; h) Has not been materially altered by the Retailer/Branded Wholesaler; and i)

Bears a signature of the cardholder which is genuine and not forged or unauthorized, except where the sale (1) occurred at an Express Pay Unit or (2) arose as a result of a transaction on a Debit Card or debit feature using PIN technology.

59. With respect to Proprietary Cards Bearing ExxonMobil marks, additional representations and warranties may from time to time be required pursuant to the agreement between ExxonMobil and the Bank regarding Proprietary Cards Bearing ExxonMobil marks. 60. With respect to Cards other than Proprietary Cards Bearing ExxonMobil marks, additional representations and warranties may be required pursuant to the agreement between ExxonMobil and the applicable Acquiring Entity.

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Covenants 61. The Retailer/Branded Wholesaler shall use reasonable efforts to furnish the Card Guide Issuer promptly with all material information known to the Retailer/ Branded Wholesaler relating to the collectability of any changes of address of or bankruptcy filings by holders of Proprietary Cards Bearing ExxonMobil marks. 62. All Account documentation (other than Sales Tickets which are dealt with in paragraphs 74-75 of this Agreement) and/or copies of account documentation shall be kept for at least twenty-five (25) months after origination. Such documentation shall be delivered to the Card Guide Issuer within fifteen (15) days of the Card Guide Issuer’s request therefor (or such shorter period of time as may be periodically required). 63. The Retailer/Branded Wholesaler shall provide and maintain reasonable services with respect to Authorized Products and Services sold on Accounts and comply with all of its warranties and other obligations with respect to Authorized Products and Services, the sale of which has been or will be charged on a Card. 64. The Retailer/Branded Wholesaler shall extend to customers, with respect to purchases using such a Card, the same services and return or adjustment privileges as are available to its cash customers. 65. The Retailer/Branded Wholesaler (a) shall not use, with respect to applicants for, or new holders of, Proprietary Cards Bearing ExxonMobil marks, any credit card agreements other than those approved by the Card Guide Issuer and (b) shall provide each applicant for a Proprietary Card Bearing an ExxonMobil mark, other than applicants solicited through promotional Account acquisition mailings, with a copy of the credit agreement approved by the Card Guide Issuer prior to the first transaction on his/her Account and respect the financial privacy of cardholders and hold private information in confidence. 66. The Retailer/Branded Wholesaler shall not discourage any person from applying for, or deny any person the opportunity to apply for Cards and the Retailer/ Branded Wholesaler shall encourage customers to apply for Bank Issued ExxonMobil Cards and any other Card bearing an ExxonMobil mark. 67. Sales Tickets shall reflect only the sales price (including sales tax, if any) net of any Retailer/Branded Wholesaler offered discount, of Authorized Products and Services sold by the Retailer/Branded Wholesaler. 68. The Retailer/Branded Wholesaler shall not accept In-Store Payments. 69. The Retailer/Branded Wholesaler shall not disclose the Customer List or use the Customer List to compete, or allow another person to compete, with the Card Guide Issuer or ExxonMobil.

Chargebacks 70. The Card Guide Issuer reserves the right AT ANY TIME to obtain payment from the Retailer/Branded Wholesaler for any Sales Ticket, credit or portions thereof (whether arising from a credit Card Sale or Debit Card Card Sale):

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a) That is not submitted, imprinted, prepared, handled and/or submitted in accordance with the Card Guide and any other instructions that the Card Guide Issuer may issue from time to time; b) For which the Card account number is manually keyed into the Site System equipment in a fraudulent, incorrect, or other manner which is not in accordance with the instructions set forth in this Card Guide; c) As to which any representation, warranty or covenant of the Retailer/ Branded Wholesaler made pursuant to the Card Guide proves to be false, inaccurate or unsatisfied in any respect, as determined by the Card Guide Issuer; d) With respect to which the customer has asserted a claim or defense against the Card issuer as a result of a dispute with the Retailer/Branded Wholesaler; e) Which represents a sale that requires prior authorization under the terms of the Card Guide for which proper authorization was not obtained or multiple Paper Tickets were made; f) Which, in the sole judgment of the Card Guide Issuer, creates a suspicion that internal theft or fraud is being, or has been, carried on within the Retailer/Branded Wholesaler’s business organization. Such circumstances shall include, but not be limited to, the following circumstances: (i) multiple sales being made on the same Card on the same day or during a consecutive seven (7) day period; or (ii) unauthorized purchases having been made on a Card not previously reported as lost or stolen by the cardholder; or (iii) any other circumstance that creates a suspicion of theft or fraud, or (iv) sales charged to counterfeit Cards including without limitation Cards that have been created using “skimmed” credit Card numbers; g) With respect to which discounts/rebates are given to cardholders of Third Party Cards on behalf of the Retailer/ Branded Wholesaler in conjunction with the Third Party Card acceptance agreement between ExxonMobil and the Third Party Card issuer; h) With respect to Sales Tickets that are requested and not received by the Card Guide Issuer in the time frame required; i)

As provided in paragraph 89;

j)

Which the Acquiring Entity has the right to charge back under its operating rules or under its agreement with ExxonMobil.

71. With respect to Proprietary Cards Bearing ExxonMobil marks, the Card Guide Issuer may submit chargebacks to ExxonMobil for additional reasons set forth in the agreement between ExxonMobil and the Bank regarding Proprietary Cards Bearing ExxonMobil marks. The Retailer/Branded Wholesaler should consult ExxonMobil regarding such agreement. If the Card Guide Issuer submits a chargeback to ExxonMobil with respect to such a Card, ExxonMobil will reimburse the Card Guide Issuer for such chargeback, and ExxonMobil will then ExxonMobil Card Guide 02/14

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obtain reimbursement from the Retailer/Branded Wholesaler for the amount of such chargeback. In accordance with paragraph 37, ExxonMobil may do so by setting off, from the amounts funded by the Card Guide Issuer, the amount of such chargeback (and/or instructing the Card Guide Issuer to set off such amount). 72. In addition to the amount of the Sales Ticket, the Card Guide Issuer may in its discretion in the event of a continuing pattern or recurring instances of noncompliance with the terms and conditions of this Card Guide, charge back to the Retailer/Branded Wholesaler, an amount of equal to the internal and external costs associated with research, investigation and other operating expenses incurred by the Card Guide Issuer in handling the chargeback or the situation from which it arose. With respect to Cards other than Proprietary Cards Bearing ExxonMobil marks, the Card Guide Issuer may submit chargebacks to ExxonMobil for additional reasons set forth in the agreement between ExxonMobil and the applicable Acquiring Entity. The Retailer/Branded Wholesaler should consult ExxonMobil regarding these agreements. If the Card Guide Issuer submits a chargeback to ExxonMobil with respect to such a Card, ExxonMobil will reimburse the Card Guide Issuer for such chargeback, and ExxonMobil will then obtain reimbursement from the Retailer/Branded Wholesaler for the amount of such chargeback. In accordance with paragraph 37, ExxonMobil may do so by setting off, from the amounts funded by the Card Guide Issuer for the benefit of the Retailer/Branded Wholesaler, the amount of such chargeback (and/or instructing the Card Guide Issuer to set off such amount). 73. The Card Guide Issuer may microfilm or image all Sales Tickets and other documentation received from the Retailer/Branded Wholesaler or cardholders, including documentation relating to the Card Guide Issuer Accounts, and destroy all such documentation in the ordinary course of its business as it may see fit.

Retention of Copies of Paper Sales Tickets and Electronic Sales Tickets 74. To prevent any loss that may arise out of the inability of the Card Guide Issuer, for any reason, to process Sales Tickets submitted, the Retailer/Branded Wholesaler should keep the tissue copy of the retail credit sales submission, store copies of the Sales Tickets submitted, and one adding machine tape until thirty (30) days after the Retailer/Branded Wholesaler’s trade account with ExxonMobil is credited by ExxonMobil for such Sales Tickets. When store copies are no longer needed, they must be destroyed in such a manner that the Card number cannot be read. If the Retailer/Branded Wholesaler is asked to submit store copies, it must make a complete record of each of the store copies before mailing to protect against loss. 75. The Retailer/Branded Wholesaler must keep copies (hard copies) of all Electronic Sales Tickets and a copy of the reconciliation (close-out) summary for a period of seven (7) months from the date of the close-out.

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Indemnification 76. The Retailer/Branded Wholesaler shall indemnify and hold the Card Guide Issuer and ExxonMobil and its subsidiaries, affiliated companies, officers, employees and agents harmless from any and all claims, demands, actions, suits, proceedings, liabilities, losses, judgments, awards, civil penalties, assessments, costs, damages and expenses (including, but not limited to, attorneys’ fees) by whomever asserted or recovered, connected with or arising or resulting from: (a) any breach by the Retailer/Branded Wholesaler of the terms, covenants, warranties, conditions or other provisions contained in this Card Guide or any other instrument or document delivered by the Retailer/ Branded Wholesaler to, or accepted by, the Card Guide Issuer in connection therewith; (b) any negligent or wrongful act or omission of the Retailer/Branded Wholesaler or its agents, subcontractors or other contractors in connection with Cards or the extension of credit in connection therewith; (c) any act or failure to act or any breach of warranty on the part of the Retailer/Branded Wholesaler or its agents, subcontractors or other contractors relating to the sale or crediting of a purchase reflected in a Sales Ticket, credit or Account submitted to the Card Guide Issuer; (d) the violation by the Retailer/Branded Wholesaler or its agents, subcontractors or other contractors of any federal, state, or local laws, regulations or rulings applicable to the Retailer/Branded Wholesaler; (e) any claim, demand, action, offset defense or counterclaim which, if true or proven, would constitute a ground for indemnification; or (f) any chargeback of discounts/rebates granted by a Third Party Card issuer to one of its cardholders on behalf of the Retailer/Branded Wholesaler regardless of whether the discount/rebate was in fact authorized by the Retailer/Branded Wholesaler.

Events Of Default 77. The Retailer/Branded Wholesaler shall be in default under this Card Guide if: a) Any representation, warranty or covenant contained herein shall be untrue, inaccurate or unsatisfied in any respect and shall not be cured within ten (10) days after written notice to the Retailer/Branded Wholesaler; b) It fails to make any of the payments required under this Card Guide and such failure shall not be cured within ten (10) days after written notice to the Retailer/Branded Wholesaler; c) It suspends or goes out of business, substantially reduces its business operations, becomes insolvent or unable to meet its debts as they come due, calls a meeting of its creditors or commits any act of bankruptcy; d) It has filed or has had filed against it a petition instituting a bankruptcy, reorganization or other proceeding under any provision of the Bankruptcy Code, or any receiver or trustee shall be appointed for the Retailer/Branded Wholesaler or any or all of its property; e) There is evidence of fraudulent use of Cards; or f) Its Sales Agreement or ARC Contract (as appropriate) with ExxonMobil terminates. g) It fails to comply with the requirements of paragraph 89. ExxonMobil Card Guide 02/14

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Termination 78. The Card Guide may be terminated by the Card Guide Issuer at any time for any reason upon five (5) days prior notice by any of the means specified in paragraph 5 for delivery of an amendment, supplement and/or restatement to the Retailer/Branded Wholesaler or without written notice upon (a) the termination of the agreement regarding Card settlement services between the Card Guide Issuer and ExxonMobil, or (b) the occurrence of an event of default by the Retailer/Branded Wholesaler described in paragraph 77; provided that termination shall occur automatically and without further action upon the occurrence of an event of default under subparagraph 77c, 77d, or 77f. 79. Termination of this Card Guide shall not affect the Retailer/Branded Wholesaler’s or the Card Guide Issuer’s obligations with respect to Sales Tickets or credits submitted to the Card Guide Issuer prior to termination or with respect to transactions occurring prior to termination, which obligations (including, without limitation, the obligations of the Retailer/Branded Wholesaler relating to the Card Guide Issuer’s rights of chargeback) shall survive termination.

General 80. The Retailer/Branded Wholesaler shall not make Card Sales when possessing the knowledge, or having reason to suspect, that a party is attempting to use a Card wrongfully in his or her possession. The Retailer/Branded Wholesaler is expected to act with prudence and good faith in completing Card Sales. If the Retailer/Branded Wholesaler becomes suspicious of a prospective purchaser, it shall call ExxonMobil Card Services immediately at the following number: EXXONMOBIL CARD SERVICES Card Sales Authorization 1-800-231-4674 (24 hours) 81. The Retailer/Branded Wholesaler authorizes the Card Guide Issuer to sign and endorse its name upon (a) any checks, drafts, money orders or other forms of payment that may come into the possession of the Card Guide Issuer as payment for or on any Account and (b) any other instrument necessary to carry out the intent of this Card Guide. 82. The Retailer/Branded Wholesaler shall not permit or agree to any extension, compromise, or settlement, or make any changes or modifications of any kind or nature with respect to, any Account, including any of the terms relating thereto. 83. Promotional material related to the Card Guide Issuer Accounts, including credit card applications for Bank Issued ExxonMobil Cards, shall be prominently displayed in appropriate areas of stores attractive to, and frequented by, customers. 84. If the Retailer/Branded Wholesaler submits a Sales Ticket arising in connection with a Card other than a Card that bears an ExxonMobil mark, the Retailer/ Branded Wholesaler agrees to accept all Bank Issued ExxonMobil Cards.

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85. Where forms are provided by the Card Guide Issuer, the Retailer/Branded Wholesaler will use them exclusively and only in such manner and for such purposes as the Card Guide Issuer shall specify. No changes to such documentation shall be made without the prior written approval of the Card Guide Issuer (as appropriate). 86. Holders of Proprietary Cards Bearing ExxonMobil marks who require assistance with respect to their Card Guide Issuer Accounts shall be furnished with the toll free telephone number(s) provided by the Card Guide Issuer (as appropriate) for such purpose. 87. The Retailer/Branded Wholesaler will provide assistance to customers requesting credit card applications for Bank Issued ExxonMobil Cards. 88. The Retailer/Branded Wholesaler or its agents, subcontractors or other contractors accepting Cards under the terms of this Card Guide will not encourage customers to use one Card in lieu of another and must honor all Cards for any Authorized Products and Services. The Retailer/Branded Wholesaler will not refuse to submit for authorization any Card that is tendered by a customer. The Retailer/Branded Wholesaler will not refuse to accept as payment any Card that is authorized and that is not submitted under circumstances that create a reasonable suspicion of theft or fraud. 89. The Retailer/Branded Wholesaler will maintain Customer Information in confidence to prevent the misuse and fraudulent use of such information. The Retailer/Branded Wholesaler shall implement and maintain appropriate administrative, technical and physical safeguards (a) to ensure the security, confidentiality and integrity of Customer Information; (b) to protect against any anticipated threats or hazards to the security or integrity of such information; and (c) to protect against unauthorized access to or use of such information. The Retailer/Branded Wholesaler shall disclose Customer Information only to its employees having a need to know and shall use at least as great a standard of care in protecting Customer Information as it uses to protect its own information of like character, but in any event not less than a reasonable degree of care. Sales Tickets and other transactions may be charged back to the Retailer/Branded Wholesaler if (i) the Sales Ticket or other transaction includes Customer Information obtained from locations owned or operated by the Retailer/Branded Wholesaler, and (ii) the Customer Information is used without the consent of the individual to whom it relates. Such Sales Tickets and other transactions may be charged back to the Retailer/Branded Wholesaler even if the Sales Ticket did not originate at a location owned or operated by the Retailer/Branded Wholesaler. The Card Guide Issuer at its sole discretion may terminate this Agreement or may refuse to accept for processing or funding some or all Sales Tickets from any Retailer/Branded Wholesaler who fails to comply with the requirements of this paragraph 89. 90. The Retailer/Branded Wholesaler will only use any Card numbers and other information that uniquely identifies a Card-paying customer for the purposes of completing a Card Sale and shall not disclose such information without the consent of the Card Guide Issuer and ExxonMobil. When disposing of any ExxonMobil Card Guide 02/14

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materials that disclose a Card number, the Retailer/Branded Wholesaler must comply with all directions in Section 1 of this Card Guide regarding the disposal of such materials and must dispose of such materials in a manner, such as shredding the materials, which results in the destruction of the Card number so that it cannot be read or deduced. 91. The Retailer/Branded Wholesaler or its agents, subcontractors or other contractors shall comply with (i) all the security requirements of the Card Guide, and (ii) all other industry standard Card security procedures, specifically including but not limited to the Payment Card Industry Data Security Standards (PCI). Compliance is required at all locations and in all operations controlled by the Retailer/Branded Wholesaler where Cards are handled, processed, stored, or card data is present. Information about the PCI Data Security Standards can be found at the PCI Data Security Council’s website (currently www.pcisecuritystandards.org) Detailed information about Visa’s CISP program can be found at Visa’s CISP website (currently www.visa.com/cisp) Detailed information about MasterCard’s SDP program can be found at the MasterCard SDP website (currently https://sdp.mastercardintl.com) Detailed information about Discover’s DISC program can be found at Discover’s DISC website (currently http://www.discovernetwork.com/ merchants/fraud-protection/index.html) Detailed information about American Express’s security program can be found at their website (currently https://www.americanexpress.com/us/content/ merchant/fraud-prevention.html) If card companies require a PCI or other security assessment as part of compliance with their rules Retailer/Branded Wholesaler will, upon request by ExxonMobil, conduct or have conducted by and approved entity, the relevant security assessment and provide the results to ExxonMobil. All such security assessments will be conducted according to card company rules and at such frequency specified by these rules. If a card company requires a forensic investigation as the result of an unauthorized disclosure or a suspicion of unauthorized disclosure of cardholder information under the control of a Retailer/Branded Wholesaler or its agent, contractor or subcontractor. Retailer/Branded Wholesaler shall allow and cooperate with the card company, or ExxonMobil to conduct or have conducted such a forensic investigation at the Retailer/Branded Wholesaler cost. In the event of an unauthorized disclosure of cardholder information under the control of a Retailer/Branded Wholesaler or its agent, contractor or subcontractor where the Retailer/Branded Wholesaler is not complying with the above requirements, or is operating in a manner that does not meet all applicable PCI Data Security Standards, the Retailer/Branded Wholesaler will be responsible for and liable for any costs, expenses, fees, assessments,

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reimbursements, fines, penalties, and/or losses resulting directly or indirectly from the use of the Customer Information whether such use occurs at the Retailer/Branded Wholesaler’s site or at any other location. Branded Wholesalers are liable for any unauthorized disclosures made by the dealers that a Branded Wholesaler sells to. Additionally, the Retailer/Branded Wholesaler will be responsible for and liable for any costs, expenses, fees, assessments, reimbursements, fines, penalties, and or losses incurred by ExxonMobil, the Card Guide Issuer, or their respective affiliates that result directly or indirectly from the Retailer/Branded Wholesaler’s or its agents’, subcontractors’ or other contractors’ use of any equipment that does not meet or exceed an applicable PCI Data Security Standard, or directly or indirectly from operating in a manner that does not meet all applicable PCI Data Security Standards whether or not cardholder information is disclosed. Branded Wholesalers are liable for, and the operational practices of, use of equipment by the dealers that the Branded Wholesalers sell to. In addition to all obligations of indemnity, the Retailer/Branded Wholesaler will indemnify, defend, and hold harmless the Card Guide Issuer and ExxonMobil and their respective affiliates from and against all causes of action, costs, expenses, fees, assessments, reimbursements, fines, penalties, and/or losses of whatsoever nature and howsoever arising, that result directly or indirectly (a) from the use of equipment that does not meet an applicable PCI Data Security Standard, (b) from operating in a manner that does not meet all applicable PCI Data Security Standards, including for Branded Wholesalers, operations at all locations of dealers that the Branded Wholesaler sells to and operations by its agents, subcontractors or other contractors (c) from the unauthorized disclosure of Customer Information originating at the Retailer/Branded Wholesaler’s location, including for Branded Wholesalers, all locations of dealers that the Branded Wholesaler sells to and any unauthorized disclosures attributable to Branded Wholesaler’s agents, subcontractors or other contractors. 92. In the event any paragraph or any portion of any paragraph shall be adjudged (a) invalid or unenforceable by operation of law, a court of competent jurisdiction, or any governmental body with authority to regulate the Card Guide Issuer, or (b) invalid or in conflict with any agreement, rule, policy or procedure of any Acquiring Entity, then such paragraph or such portion of such paragraph (i) shall be deemed of no further force and effect, (ii) shall not be deemed to affect any other provision hereof or the validity of the remainder of this Card Guide, and (iii) shall be changed and interpreted so as to best accomplish the objectives of such paragraph or such portion of such paragraph in accordance with applicable law or regulation or the applicable agreement, rule, policy, or procedure of such Acquiring Entity. 93. The Retailer/Branded Wholesaler acknowledges that it is not required to submit Sales Tickets under this Card Guide, and that instead it may seek to enter into direct contractual relationships with Acquiring Entities, including acquirers who are members of Visa U.S.A., Inc. and MasterCard Worldwide (“Visa” and “MasterCard,” respectively), for the processing of such Sales Tickets. If it does ExxonMobil Card Guide 02/14

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so, its contracts with such acquirers may offer the Retailer/Branded Wholesaler the right to elect to accept only credit Cards bearing such Acquiring Entity’s acceptance marks, only Debit Cards bearing such marks, or both. However, if the Retailer/Branded Wholesaler submits Sales Tickets under this Card Guide, then until further notice it will be subject to the current election made by ExxonMobil, which is to accept both the credit Cards and Debit Cards bearing the acceptance mark of each of Visa and MasterCard. If the Retailer/Branded Wholesaler enters into a direct contractual relationship with any Acquiring Entity, the submission, processing and funding of Sales Tickets with respect to such Acquiring Entity will not be subject to the terms of this Card Guide, and the Card Guide Issuer will have no obligations with respect to such Sales Tickets. 94. The Card Guide Issuer may contract or subcontract with affiliates or third parties for the performance of its obligations under this Card Guide. 95. The Retailer/Branded Wholesaler’s copy of the Card Guide is the property of the Retailer/Branded Wholesaler. The Retailer/Branded Wholesaler will not knowingly provide anyone with a copy of or access to this Card Guide, except the Retailer/Branded Wholesaler may provide a copy of or access to this Card Guide to its employees, officers, directors, contractors, dealers, agents and advisors, including its accountants, independent auditors or attorneys.

Definitions 96. The following terms shall have the following meanings when used in this Agreement: a) “Account” means a credit, debit or charge account relating to a Card (including Card Guide Issuer Accounts). b) “Acquiring Entity” means, with respect to any Card transaction, the applicable merchant acquirer, Card association or Card issuer for such Card transaction that acquires Sales Tickets for settlement; provided, however, that the term “Acquiring Entity” does not apply to the Card Guide Issuer with respect to Proprietary Cards Bearing ExxonMobil marks. c) “Agreement” means, collectively, the terms and conditions set forth in this Section 10 of this Card Guide. d) “ARC Contract” means a contract between ExxonMobil and an ARC Participant pursuant to which ExxonMobil authorizes the ARC Participant to sell Authorized Products and Services on Accounts. e) “ARC Participant” means an independent retailer who is not an Independent Reseller and who has signed an ARC Contract with ExxonMobil. ARC Participants are either quick service restaurants or totally integrated units. f) “Authorized Locations” means retail establishments participating in the program established by this Card Guide and operated by ExxonMobil, Independent Resellers or ARC Participants.

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g) “Authorized Products and Services” means the goods and services described in paragraph 16. h) “Bank” shall have the meaning set forth in the definition of “Card Guide Issuer”. i)

“Bank Issued ExxonMobil Cards” means, collectively, the Proprietary Cards Bearing ExxonMobil marks and the Cards issued by the Bank that bear ExxonMobil marks and the trademarks, tradenames, service marks, logos and other proprietary designations of any Acquiring Entity.

j)

“Card” means a credit, debit or charge card listed as authorized for acceptance in this Card Guide (including Proprietary Cards Bearing ExxonMobil marks).

k) “Card Guide” means the book containing this Agreement and other operating instructions as the same may be amended, restated and/or supplemented from time to time by the Card Guide Issuer. l)

“Card Guide Issuer” shall have the meaning set forth in paragraph 1. From time to time herein, for clarity, the Card Guide Issuer is also referred to as the “Bank”.

m) “Card Guide Issuer Accounts” means consumer and commercial credit accounts owned by the Card Guide Issuer and relating to Proprietary Cards Bearing ExxonMobil marks and the other Cards listed in this Card Guide that are issued by the Card Guide Issuer and bear ExxonMobil marks. n) “Card Sales” means sales made by the Retailer/Branded Wholesaler in connection with Cards or Accounts. The term “Card Sales” includes “Speedpass Sales.” o) “Card Sales Authorization” means the system of telephonic authorization described in Section 4 of this Card Guide. p) “Card Site Device” and “CSD” mean a device intended to be used to interface between a POS system and the FEP Application connected by the ExxonMobil Retailer Network. q) “Convenience Merchandise” means but is not limited to the goods normally carried by convenience stores, including phone cards and toy collectibles, excluding motor fuel, lubricants, antifreeze, tires, tubes, batteries, and mountable accessories. r) For Future Use. s) “Customer Information” means (a) any information relating to a customer including but not limited to name, address, social security number, date of birth, credit or debit card number, Card expiration date, account number, PIN number, driver identification number, driver’s license number, or auto license plate number; and (b) documents, including but not limited to, sales invoices, station journal reports, terminal reports, and completed credit card applications, which contain any information relating to a customer.

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t) “Customer List” means any list (whether in hard copy, disk, cartridge or magnetic tape format) identifying Account holders and/or authorized users of Proprietary Cards Bearing ExxonMobil marks. u) “Debit Cards” means Cards pursuant to which a cardholder may purchase Authorized Products and Services by means of an electronic funds transfer debiting an asset account of such cardholder. v) “Electronic Sales Ticket” means evidence of a sale of Authorized Products and Services to be charged to an Account and submitted to the Card Guide Issuer for processing and funding through the Site System (including through an Express Pay Unit). w) “Express Pay Unit” means any customer activated terminal whereby the customer may use a Card, Speedpass radio frequency identification device or mobile payment application to activate the Site System and purchase Authorized Products and Services without signing a Sales Ticket to evidence the transaction. x) “ExxonMobil” means ExxonMobil Corporation. y) “ExxonMobil Card Services” means the Card Guide Issuer. z) “ExxonMobil marks” means the trademarks, tradenames, service marks, logos and other proprietary designations of ExxonMobil or its Affiliates. aa) The term “Gasohol or other synthetic motor fuel of similar usability” when used in this Card Guide has the same meaning as in the Gasohol Competition Act of 1980, Pub. L. 96-493.” bb) “Independent Resellers” means dealers, Distributors, Branded Wholesalers and others authorized by ExxonMobil to accept Cards in connection with sales of Authorized Products and Services. cc) “In-Store Payments” means any payment on an Account to a person other than: (1) with respect to a Card Guide Issuer Account, the Card Guide Issuer, or (2) with respect to any other Account, the owner thereof. dd) “Paper Sales Ticket” evidence of a sale of Authorized Products and Services to be charged to an Account and submitted to the Card Guide Issuer for processing and funding other than through the Site System. ee) “PIN” shall have the meaning set forth in paragraph 33. ff) “POS” means a terminal or similar device placed in a Location which is connected to a telecommunication network or to the BAMS Systems via a telecommunication network and is designed to authorize, record and transmit settlement data (to the extent applicable) by electronic means for all sales Card transactions. gg) “POS System” means the electronic communications system and related devices established and operated by ExxonMobil and the Retailer/ Distributor, including ExxonMobil’s Tandem computers, terminals and telecommunications network.

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hh) “Proprietary Card Bearing an ExxonMobil mark” means credit Card(s) depicted on [pages 3.3, 3.4 and 3.5] hereof and bearing ExxonMobil marks and issued by the Bank to persons obligated under or with respect to, or authorized to make purchases on, Accounts accessed by such Card(s). These terms do not include Cards that bear ExxonMobil marks and the trademarks, tradenames, service marks, logos and other proprietary designations of any Acquiring Entity. ii)

“Retailer/Branded Wholesaler” means the Independent Reseller or ARC Participant, as applicable.

jj)

“Sales Agreement” means the contract between ExxonMobil and an Independent Reseller pursuant to which ExxonMobil sells and supplies to such Independent Reseller products branded with an ExxonMobil mark including, without limitation, motor fuels, aviation fuels, motor oil or other petroleum products.

kk) “Sales Ticket” means a (1) Paper Sales Ticket or (2) Electronic Sales Ticket. ll)

“Site System” means either the POS System and/or the CSD system.

mm) “Speedpass Sale” is a sale processed by the Retailer/Branded Wholesaler using the “Speedpass” radio frequency identification device branded with an ExxonMobil mark and linked to an Account that is billed for the transaction. nn) “Third Party Cards” means Cards issued by someone other than the Card Guide Issuer.

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Debit Cards ™

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