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<br />3. Transaction Processing for All Electronic Check Services <br /> <br />I <br /> <br />You will initiate all POS Transactions as follows. <br /> <br />3.1 You will use only a POS Terminal approved by us, and only one that is <br />properly and actively linked to the Bank System. <br /> <br />3.2 You will accept and process an Electronic Check Service only at a POS, <br />for goods or services delivered at the time of the POS Transaction. You <br />may process a Transaction for a greater amount than the sale of goods and <br />services, providing the difference to Consumer in cash up to the amount <br />stated in the Fee Schedule. You will accept and process only Checks that <br />have not been previously negotiated or voided. You will not accept or <br />process Ineligible Checks. <br /> <br />3.3 You will follow your usual procedures for ascertaining that the Consumer <br />has the full rights to use the Consumer's Account (e.g., compare the <br />signature on the Terminal Receipt to identification). You will accept a <br />Check, or a Check and cash, for the sale, and will not split the sale <br />payment between a Check and a credit or debit card. <br /> <br />3.4 You will obtain permission from the Consumer prior to submitting a check <br />for any conversion service. You will inspect the check and determine that <br />the consumer's name and check register number are pre-printed on the <br />check. You will further review the Consumer's driver's license, or other <br />identification card issued by a state, and determine that: <br /> <br />a. the Consumer is the same person as the person whose picture appears <br />on the driver's license or identification card; and <br />b. the Consumer's name on the driver's license or identification card is the <br />same as the Consumer's name preprinted on the check. <br /> <br />If you have imaging equipment you also: <br /> <br />c. will inspect the check and determine that the Consumer's name, <br />residence address and residence phone number are imprinted on the <br />check. In the event the Consumer's residence address and residence <br />phone number are not preprinted on the check, you will write such <br />information on the check legibly prior to processing the POS <br />transaction. <br /> <br />d. must ensure that all transactions are imaged. <br /> <br />3.5 Only after receiving permission from the Consumer, you will use the POS <br />Terminal's Check-reader device to capture information from the Check <br />(e.g., routing number, Consumer's Account number, Check number). <br />Information that is capable of being captured by the POS Terminal <br />Checkreader device without manual input will not be keyed in by you. <br /> <br />I <br /> <br />7 <br /> <br />I <br />