CASH MANAGEMENT POLICIES AND PROCEDURES HANDBOOK

APPENDIX C. THE USE OF PLASTIC (\"INDIVIDUAL ACCOUNT\") CARDS FOR
COLLECTIONS

# 

## [Section 1.0 General]{.underline}

The Department of the Treasury (Treasury) Plastic Card services are
provided to agencies under a \"Master Agreement\" (MA) with select
banks/financial institutions (FI). This MA provides that Treasury
(rather than individual agencies) will cover the cost of standard
plastic card services, which will be discussed in this document. Refer
to Treasury Financial Manual
([TFM](http://fms.treas.gov/tfm/index.html)), [Volume I, Part 5, Chapter
4700, titled](http://www.fms.treas.gov/TFM/vol1/supp.html) \"Plastic
Card Collection Network\" for additional details on the plastic card
program.

The TFM established the policy regarding Government cash management
practices. Chapter 4700 (Vol. 1 - Part 5) prescribes procedures for
agencies to establish and maintain accounts in the Plastic Card
Collection Network (PCCN) as well as for processing bureau Plastic Card
Receipts.

TFM Section 4710 (Authority) stipulates that all funds are to be
collected by Electronic Funds Transfer (EFT), when cost-effective,
practicable, and consistent with current statutory authority. This
appendix provides policy and procedural guidance to Bureaus and
Operating Units requesting plastic card depositary services.

## [Section 2.0 Background]{.underline}

Treasury\'s Financial Management Service (FMS) established the
Government-wide PCCN to enable agencies to accept MasterCard and Visa
when collecting receipts due the Federal Government. The PCCN comprises
a network of FIs that process individual account card collections
over-the-counter, by mail, and by telephone. See Exhibit C-1 of this
appendix for the listing of FIs that currently comprises PCCN.

## [Section 3.0 Policy]{.underline}

Use of Plastic Cards for collection is encouraged for activities
involving the sale of goods and services to the public. Cash flows
involving sales, services, fees, fines, and debt repayment are to be
reviewed for compliance with the basic criteria for debit and credit
card (\"Plastic Card\") acceptance as outlined in C Section 7.02, below.
When a Bureau wants to begin acceptance of \"Plastic Cards,\" it should
obtain an application(s)

from FMS and return it (them), once completed, to FMS. When the
application is approved for debit and/or credit card use, an \"Agency
Participation Agreement\" (APA) must be completed and signed by the
Bureau, the FI, and by FMS. (Reference: Exhibit C-2).

An APA can be amended to provide for the purchase or lease of goods and
services (as well as for the acceptance of payment for fees, fines and
debts) through Internet processing. (Reference: Exhibit C-3). The APA
sets forth the terms and conditions of Agency participation in the
\"Master Agreement\" 1(MA) between the FMS and the FI for Plastic Card
Services. A copy of the APA should be provided to the Deputy CFO of the
Department of Commerce.

Using the approved APA as a basis, the Bureau must work with the FI to
develop a customized implementation plan which will include the
following information:

> 1\. Agency Profile - type of collection, potential volume, and method
> of collection.
>
> 2\. Contact Points and Addresses.
>
> 3\. Service Type - Credit Card, Debit Card, or Both.
>
> 4\. Training.
>
> 5\. Follow-up program for Quality Assurance.
>
> 6\. Technical Specifications for Equipment.
>
> 7\. Equipment to be purchased by the Bureau from the FI (see TFM
> 735.20).
>
> 8\. Implementation Time Line Milestones.
>
> 9\. Special Handling Procedures - this will include a list of
> ancillary services to be charged to the Bureau.
>
> 10\. Procedures for: Authorization, Deposit, and Settlement.
>
> 11\. Supplies Required.
>
> 12\. Chargeback and Retrieval Responsibilities.

FMS prohibits holding deposits above a daily limit of \$5,000.

-   Agencies operating \"Paper Sales Draft Settlement\" mode should not
    accumulate daily receipts of more than \$5,000 after the FI\'s daily
    \"cutoff time.\"

-   Agencies operating in an \"Electronic Data Capture\" EDC) mode must
    settle on a daily basis regardless of the amount accumulated that
    day.

Note: Agencies in EDC mode will pay the assessed \"Non- Qualifying
Interchange Fee\" if they fail to settle electronically every day. Each
FI will establish \"Cutoff Times\" and make them known to the agencies.
31 CFR 206.5, contained in I TFM 6-8000, requires agencies to make
deposits prior to the Cutoff Time, but otherwise as late in the day as
possible in order to maximize daily deposit amounts. To accomplish this,
\"Settlement Transactions\" should occur through EDC at Point of Sale
(POS) at least once by the close of business, regardless of the amount
collected. Credit Card remittances must be sent to the FI with which the
Agency has an APA, that -- among other things - authorizes FMS to
**pay** for agreed Card Services. Credit Card collections are not to be
commingled with other cash/check remittances.

## [Section 4.0 Implementation Process Banking Arrangements]{.underline}

Agencies may arrange for any of the four (4) FIs in the PCCN to process
and deposit plastic card remittances. Only these FIs have been granted
authority to provide credit card services to agencies.

Treasury or its designated agent prepares a SF 215, \"Deposit Ticket,\"
confirming receipt of the deposit and forwards it to the Agency for
reconciliation with sales drafts.

## [Section 5.0 Liability For Chargebacks]{.underline}

The Master Agreement prescribes transaction information and handling
requirements.

Transactions reversed by a FI due to incomplete information and/or
inappropriate handling are defined as \"Chargebacks.\" For example, the
listing of a sale on the \"Warning Bulletin\" at the time it was made
would indicate improper handling and would therefore \`qualify\' as a
\"Chargeback.\" The FI has the right not to accept a \"Chargeback.\"

The ultimate liability for a chargeback rests with the FI that signed
the agreement with the Agency. However, the FI may, in turn, charge the
Agency\'s account if it did not follow procedures. Agencies must comply
with the following procedures that are outlined in the APA to minimize
chargebacks.

> a\. Deposit sales drafts from only MasterCard and/or Visa with the FI;
>
> b\. Check credit card beginning date and/or expiration date prior to
> conducting a transaction;
>
> c\. Submit legible sales drafts;
>
> d\. Obtain authorization for all telephone and mail order
> transactions;
>
> e\. Properly record all authorizations on the sales drafts;
>
> f\. Check credit card user\'s signature to ensure that it is a
> reasonable facsimile of the signature on the card; and
>
> g\. Deposit sales drafts within the allowable time limits (see Section
> 4 of this Appendix).

## [Section 6.0 Transaction Procedures]{.underline}

When the Purchaser/Cardholder presents a plastic card to a
Seller/Organization Unit as payment for goods and/or services, a plastic
card transaction is initiated. In an electronic plastic card processing
environment, the Organization Unit creates a \"Sales Draft\" by
imprinting the draft and enters the card number into a \"Point of Sale\"
(POS) terminal. Thereafter, the Organization Unit obtains an
\"Authorization Code\" via the POS terminal and the transaction is
completed. Information relating to that transaction is entered via the
POS terminal or an appropriate data bank and electronically transmitted,
along with that day\'s transaction data, to the servicing FI.
Subsequently, the servicing FI transmits the transaction information to
the Card Issuing Bank, which will debit the cardholder\'s account and
credit the FI\'s account. Upon receipt of the credit to its account, the
FI will then transfer such transaction funds via wire to Treasury\'s
account at the Federal Reserve Bank in New York. Treasury (or its
designated agent) will prepare a \"Deposit Ticket\" (SF 215), and send
it to the Seller/Organization Unit for reconciliation with the \"Sales
Drafts\" for the related plastic card transactions.

## [Section 7.0 Internal Controls]{.underline}

.01 Receipts

All employees, who by virtue of their official capacity receive plastic
card remittances, shall maintain and properly safeguard such receipts as
if they were cash or check remittances received in collection.

.02 Acceptance

Bureaus should establish appropriate procedures and controls over
plastic card acceptance. Such procedures and controls must provide for
the capture of the following cardholder information:

> a\. Name
>
> b\. Address
>
> c\. Telephone Number \-- including area code and extension
>
> d\. Account Number
>
> e\. Credit Card Expiration Date
>
> f\. Bank Name
>
> g\. Bank Number (MasterCard only)
>
> h\. Signature of Cardholder or Authorized Presenter
>
> i\. Acceptable Identification Credential (e.g. Driver's License or
> other signed picture identification)

h.  Acceptable Identification Credential (e.g. Driver\'s License or
    other signed (picture indetification)

.03 Authorization

Collection Official authorization must insure sufficiency of funds. Such
assurance may be obtained from the FI through voice, paper (\"Warning
Bulletin\") or electronic terminal.

Every transaction must be authorized and Agencies should work with the
FI to determine the most appropriate authorization technique. Agencies
having more than 100 monthly Credit Card transactions must perform
\"Electronic Authorization.\" Voice and paper authorization should be
used only on an exception basis as \"backup\" to electronic
authorization. The Agency Participation Agreement (APA) establishes the
terms and conditions of Agency participation in the \"Master Agreement\"
(MA) between the FMS and the FI for Plastic Card services. This
agreement is a binding document that, among other things, authorizes FMS
to pay for agreed services. Plastic Card remittances are to be forwarded
to the FI with which the Agency has an APA.

.04 Document Retention

Agencies must secure all documents supporting each credit card
transaction and retain them for a period of at least one year.

.05 Reconciliation

> a\. Agencies must reconcile the SF-215, \"Deposit Ticket\" with
> merchant \"Sales Drafts.\"
>
> b\. Agencies must inspect \"Activity Reports\" (AR) provided by the FI
> for accuracy and
>
> completion. Discrepancies and omissions must be reported to the FI and
> to the FMS. ARs
>
> provide such information as:

-   Date of Deposit

-   Number of Transactions

-   Dollar Amount of Transactions

-   Adjustment Charges

-   Chargebacks

## [Section 8.0 Compensation/Agency Expenses]{.underline}

.01 Standard Services

Treasury\'s FMS will pay the costs for standard services necessary to
process a credit card transaction. Procurement action for the standard
card services listed below is not necessary since these services are
part of FMS\' Master Agreement with the FIs.

> a\. Training\--the FI trains Agency representatives to teach other
> employees, distributes operating guides, and instruments.
>
> b\. Supplies\--the FI provides sales drafts, imprinted plates, and
> promotional items.
>
> c\. Authorization Services\--the FI provides for authorization of
> credit card transactions via phone, paper, or electronically.
>
> d\. Chargeback Assistance\--the FI assists in resolving and minimizing
> chargeback.
>
> e\. Activity Reports\--the FI provides monthly (or weekly, if
> requested) settlement activity summaries.
>
> f\. Discount Fee\--Treasury pays the fee to the FIs to cover the cost
> of processing the sale and other related Agency expenses.
>
> g\. Settlement of Funds\--Treasury pays for the FIs\' settlement of
> credit card deposits.
>
> h\. Transferals of Funds\--Treasury pays for the wiring of funds from
> the FIs\' to Treasury\'s
>
> account at the Federal Reserve Bank in New York.

.02 Agency Expenses

The following expenses are incurred by the Agency and are not part of
the MA Treasury

maintains with the FIs:

> a\. Credit Card Services that have **not** been agreed to in
> accordance with the APA;
>
> b\. Any services performed by banks or financial institutions **not**
> part of the PCCN;
>
> c\. Charges levied by FIs pursuant to:

-   Chargebacks due to failure to follow procedures;

-   Submission of unacceptable Sales Drafts,

-   Expired Credit Cards; or

-   Late Charges.

**Exhibit C-1**

TREASURY CREDIT CARD COLLECTION NETWORK BANK CONTACTS

Citibank, N.A.

2 Huntington Quadrangle

Melville, New York 11747

\(516\) 391-3515

First National Bank of Louisville

1231 Durrett Lane

Louisville, Kentucky 40285

\(502\) 364-2081

Mellon Bank

7th and Market Streets

P.O. Box 7899

Philadelphia, Pennsylvania 19101-7899

\(215\) 553-0626

Security Pacific National Bank

5025 Lankershim, Suite, 200

North Hollywood, California 91601

\(818\) 506-2660

or

Security Pacific National Bank

901 15th Street, NW, Suite #320

Washington, DC 20005

\(202\) 682-0350

**Exhibit C-2**

For FMS Usage Only

Account Key\_\_\_\_\_\_\_\_\_

DDA #\_\_\_\_\_\_\_\_\_\_\_\_\_

ALC\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

**PLASTIC CARD NETWORK**

AGENCY PARTICIPATION AGREEMENT

This Plastic Card Network Agency Participation Agreement (APA) sets
forth the terms and conditions of the
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\'s
(Agency) participation in the Master Agreement between the Financial
Management Service (FMS), and the
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
(Financial Institution) for plastic card services to be provided by the
Financial Institution. This APA incorporates the Master Agreement by
reference and in the event of any conflict between the Master Agreement
and this APA, the Master Agreement shall govern.

[1.0 GENERAL]{.underline}

1.  Incorporation By Reference

The terms of this APA and any addendum hereto incorporate by reference
following the polices and procedures, as from time to time may be
amended, which are given the same force and effect as if set out in full
text:

a\. Invitation For Expression of Interest In the Plastic Card
Network(IEI), dated July 17, 1997.

b\. Volume I, Part 5, Chapter 4600 of the Treasury Financial Manual (I
TFM 5-4600);

c\. Volume V, Chapter 3000 of the Treasury Financial Manual (V TFM
3000); and

d\. The deposit reporting and funds transfer instructions contained in
Supplemental #1 and #2 of V TFM 2000

[2.0 CREDIT AND OFF-LINE DEBIT CARDS]{.underline}

2.1 Networks

VISA U.S.A. and MasterCard International, and NOVUS Services Inc., are
wholly separate national credit card networks operated according to each
network\'s distinct set of operating rules and regulations. American
Express, and Diner\'s Club are wholly separate national charge card
networks operated according to each network\'s distinct set of operating
rules and regulations.

2.2. Terms and Conditions

The Agency agrees to honor all valid VISA, MasterCard, American Express,
Diners and NOVUS Cards (\"Cards\") for the purchase or lease of goods or
services and payment of fees, fines, or debts (collectibles) whenever
the holder of a valid Card (Cardholder) offers to pay for such goods or
services or collectibles by presenting a Card to the Agency at any
locations operated by the Agency at which Cards are accepted. Such
transactions are referred to herein as \"Card Transactions.\" The
Financial Institution shall acquire the Cardholder Indebtedness solely
as the Agency\'s agent for collection and not for the Financial
Institution\'s account. Such items shall be provisionally credited to
the Agency\'s account until (I) receipt of final payment by the bank,
and/or (ii) any charge-backs the Financial Institution and the Agency
agree are properly made to the Agency\'s account under this Agreement.
The settlement and transfer of funds by the Financial Institution to
Treasury and the Agency through CA\$H-LINK are governed by the terms of
the Plastic Card Network Invitation for Expression of Interest (IEI)
published July 17, 1997. See Appendix 4: CA\$H-LINK Reporting
Requirements. Any chargeback dispute shall be resolved in accordance
with the dispute clauses in the Master Agreement (Subsection 26-29), and
the rules and regulations of the applicable network.

When a chargeback is properly made, the Financial Institution shall
debit the Agency\'s account for the proper amount.

The Agency agrees to follow and be bound by the rules and regulations of
the aforementioned networks, as amended from time to time, to the extent
that these rules and regulations do not conflict with federal law or the
terms of this Agreement. In the event of a conflict, federal law or the
terms of this Agreement shall govern. To the extent, that the rules and
regulations of these networks, as amended from time to time, are or
become inconsistent with the best interest of the Agency, as determined
by the Agency in their sole discretion, the Agency may agree not to
apply the rule or regulation determined to be inconsistent. As the
network rules and regulations are amended, the Financial Institution
shall submit the amendments which the Financial Institution believes
conflict in a significant and/or material way with the Master Agreement
to the Agency and FMS for approval.

2.3 Credit Card Sales and Authorization

Cardholder indebtedness shall be evidenced by a form supplied by the
Financial Institution (\"transaction form\") which the Agency will fully
and legibly complete to include: a) the Agency\'s official name as set
forth above; b) the Cardholder\'s name, account number, interbank number
(if applicable), Card expiration date (if applicable), and Card
effective date (if applicable), all as embossed on the Card presented at
the time of the Card Transaction; c) the signature of the Cardholder or
other authorized person presenting the Card (except in the case of
telephone and mail orders) and the date of the Card Transaction; d) an
accurate, itemized description, by individual item or department, of all
goods, services, and collectibles in a single transaction (except in the
case of purchases in separate departments or in a partial payment or
delayed delivery situation); e) the price of each item, any down payment
received, together with applicable taxes, gratuities, and any other
identified charge; f) the total amount of the transaction; g) the
authorization number if required under the terms of this Agreement; and
h) the Agency employee\'s initials or ID number.

All transactions must be authorized in one format or another (e.g. via
terminal, voice response unit or voice). Before completing a
transaction, the Agency will call the Financial Institution\'s
authorization center to request authorization to honor the Card if: the
transaction form cannot be imprinted with the Card; the transaction form
is not signed by the Cardholder; the Cardholder presents an unsigned or
expired Card; the Cardholder does not present a Card at the time of
transaction (except in the case of telephone or mail orders); or the
transaction involves any other suspicious or unusual circumstances. The
agency shall call the Financial Institution before completing the
transaction and request a \"Code 10\" authorization to honor the Card.

If the Agency agrees to accept a pre-authorized order, the Cardholder
shall be required to execute and deliver to the Agency a written request
for such pre-authorization, which the Agency will retain and make
available upon request to the Financial Institution. The Agency will not
deliver goods or perform services covered by a pre-authorization after
receiving specific notification that the pre-authorization is canceled
or that the Card is not to be honored.

2.4 Partial Payment or Delayed Delivery

The Agency will not effect a Card Transaction when only a part of the
amount due is included on a single transaction form except: a) when the
balance of the amount due is paid by the customer at the time of sale in
cash or by check; or b) when the goods or services are to be delivered
at a later date and one transaction form represents a deposit and the
second transaction form is conditioned upon delivery of the goods or
performance of services. The Agency will note on the transaction forms
the words \"deposit\" and \"balance\" as appropriate. The transaction
form marked \"balance\" shall not be presented to the Financial
Institution until the goods are delivered or services performed.

2.5 Credit Card Floor Limit

For agencies which employ electronic terminals with access to the
Financial Institution\'s computer authorization facilities (\"electronic
terminals\"), the applicable Floor Limit shall be zero (\$0.00), unless
otherwise notified by the Financial Institution in writing.

2.6 Transaction Procedures

The Agency will comply with the following procedures relating to all
Card Transactions:

a\) Before concluding a Card Transaction, the Agency employee will
determine, in good faith and to the best of their ability, that:

1\. The Card is valid on its face;

2\. The Agency employee will ensure that the four digits printed above
the account number are the same as the first four digits embossed on the
card;

3\. If the Card bears a \"valid from\" date, that such date has passed;

4\. The Card bears the signature of the Cardholder;

5\. If the Card bears a termination date; that such date has not expired
and;

6\. The Cardholder\'s signature has not been visibly altered.

b\) If required by the Financial Institution or requested by the card
issuer, before concluding a Card transaction the Agency employee shall
examine one or more Card security features;

c\) The transaction form is to be signed in the Agency employee\'s
presence, and the Agency employee will compare the signature on the
transaction form to the signature on the Card to ascertain that they
appear to be the same. NOTE: The signature may, but need not be, the
name embossed or printed on such Card. If the Card has a photograph of
the Cardholder, the Agency employee will determine that the Cardholder
and the person presenting the Card appear to be the same person. If such
identification is uncertain or if the Agency employee questions the
validity of the Card, the Agency will contact the Financial Institution
for instructions;

d\) The Agency employee will obtain an authorization number, as required
by this Agreement;

e\) The Agency employee will deliver a true copy of the transaction
form, fully completed in accordance with the requirements of this
Agreement, to the Cardholder at the time of delivery of the goods or
performance of the services covered thereby, or, for transactions
initiated at point-of-transaction terminals, at the time of transaction:

f\) The Agency will not establish minimum or maximum transaction amounts
as a condition for honoring Cards;

g\) The Agency will not impose an extra or special or financial charge
or surcharge or require any special agreement, condition, or security
from the Cardholder in connection with any Card Transaction. The
Cardholder shall not be required to pay any part of the fees which the
Financial Institution charges, directly or indirectly, through any
increase in price or otherwise;

h\) The Agency agrees to preserve all of its records relating to each
Card Transaction, including underlying transaction forms, for at least 6
years from the date of such Card purchase;

i\) For transactions manually keyed for credit cards, imprint legibly in
the transaction form the embossed date from the Card and from the Agency
identification plate on the imprinter;

j\) If a Card is presented, but the sales transaction is completed
without a Card imprint, the

Agency will note legibly on the transaction form sufficient detail to
identify: the Agency\'s official name and address; the name of the card
issuer as it appears on the face of the card; the account number, the
interbank number and initials (if applicable), the expiration date (or,
in the case of a Card bearing a dual date, both the effective date and
the expiration date); the Cardholder name and/or any company name; and
any other embossed data such as security symbols.

2.7 Presentment of Transaction Forms

a\) Except as provided in subsection b of this section, the Agency will
send the completed Batch to the financial institution within one (1)
business day after completion of the card transaction.

b\) The above time requirements shall not apply: (I) until the goods are
shipped or the services performed, unless the Cardholder agrees to a
delayed delivery of the goods or services at the time of the
transaction; (ii) if the Agency requested and received authorization for
delayed presentment (the authorization number and the words \"Delayed
Presentment\" shall be legibly noted on the transaction form)
presentation will be made within the period permitted for delayed
presentment; (iii) if the Agency is obligated by law to retain the
transaction form or return it to the Cardholder upon timely
cancellation, presentment will be made within ten (10) business days
after the date of the transaction; and (iv) if the Agency has multiple
locations or offices and a central office or facility is responsible for
collecting and transmitting all transactions, presentment will be made
within twenty (20) calendar days after the date of the transaction.

c\) All credits to the Agency\'s Deposit will be subject to review,
audit and correction by the Financial Institution. The Financial
Institution is authorized to credit the Agency\'s Deposit Account for
any sums due the Agency. The Financial Institution is authorized to
debit the Agency\'s Deposit Account only upon prior written notice to,
and agreement by, the Agency. Note: Debits shall not include any agreed
fee payment for services.

d\) Each deposit related to, or other delivery of, any transaction from
the Financial Institution for purchase shall comply with the terms of
this Agreement.

2.8 Claims Procedures

a\) The Agency agrees to resolve any claims or complaints arising from
Card Transactions directly with Cardholders. If the Financial
Institution receives notification from any authorized Card issuer that
their Cardholder has been unable to resolve any such claims or
complaints through proper Agency channels, the Financial Institution and
the Agency will work together to resolve the claim or complaint. If a
claim cannot be resolved, the Financial Institution will debit the
Agency account for the agreed upon amount of the claim and forward to
the Agency a copy of the debit advice and supporting documentation.

b\) The Financial Institution shall have no obligation to pay the Agency
for any Cardholder Indebtedness disputed by the Cardholder or Card
issuer (1) if a transaction form does not have a card imprint; (2) for
mail or telephone orders, (3) if the transaction form is illegible; or
(4) if the Agency otherwise fails to comply with the terms of this
Agreement. If the Financial Institution has paid the Agency for such
transactions, the Financial Institution may recover such payment by
debiting the Agency\'s account. Upon making any debits to the Agency\'s
account, the Financial Institution shall forward to the Agency a copy of
the debit advice together with supporting documentation.

2.9 Credit Vouchers

The Agency will establish and maintain a fair policy for the exchange
and return of goods, the cancellation or termination of services, and
the cure of any defective performance relating to Card Transactions. For
returned goods and canceled or terminated services, the Agency will
complete a credit voucher in the form supplied by the Financial
Institution. The Agency will not make any cash refunds. The total amount
indicated on the credit voucher shall not exceed the original
transaction amount. The Agency will ensure that the following
information is entered legibly on each credit voucher: (1) the Agency
name and address; (2) the name and account number embossed on the
Cardholder\'s Card; (3) the interbank number (if applicable); (4) the
date of the credit; (5) a description of the goods or services for which
credit is being given; (6) the amount of credit for each item; (7) any
applicable taxes; (8) the total amount of the credit voucher; (9) the
initials of the persons making and approving the credit voucher; and
(10) the Agency employee signature. The Agency will give the Cardholder
a true copy of the completed credit voucher marked for the Cardholder.
Upon the Financial Institution\'s receipt of the credit voucher, the
Financial Institution will charge the Agency the amount shown thereon
and transmit the credit voucher for credit to the Cardholder by the
issuer of the Card. The Agency shall not accept money from a Cardholder
to prepare and deposit a credit voucher for the purpose of effecting a
deposit to the Cardholder\'s account with the issuer of the Card.

2.10 Receipt of Payments

The Agency will not accept or collect any payments due on any Card
Indebtedness. Any payments sent to the Agency on account of a Cardholder
will be held by the Agency in trust for the Financial Institution in the
form received and the Agency will promptly remit such payments to the
Financial Institution.

[3.0 ON-LINE DEBIT CARD]{.underline}

3.1 Networks

Interlink Network is a national on-line debit card network and an
affiliated of the VISA system. Maestro U.S.A. Network in an
international on-line debit card network and an affiliate of the
MasterCard system. The Interlink and Maestro U.S.A. Networks operate
under distinct operating rules and regulations. The Interlink and
Maestro U.S.A. Networks will be referred to in this Agreement as the
\"National/International Networks.\" The Networks listed in the Appendix
One of this agreement are regional on-line debit card networks. Each
Regional Network operates under its own set of operating rules and
regulations. These debit card networks will be referred to in the
Agreement as \"Regional Networks.\"

3.2 Terms and Conditions

The Agency agrees to honor all valid National/International and Regional
Network debit cards (Cards) that bear a service mark of a
National/International or Regional Network. Such Cards will be honored
for the purchase or lease of goods or services and the payment of fees,
fines, or debts (collectibles) whenever the holder of a valid Card
(Cardholder) offers to pay for such goods or services or collectibles by
presenting a Card to the Agency at any location operated by the Agency
at which Cards are accepted. Such transactions are referred to herein as
\"Card Transactions.\" The Financial Institution shall acquire the
Cardholder Indebtedness solely as the Agency\'s agent for collection and
not for the Financial Institution\'s account. The settlement and
transfer of funds by the Financial Institution to FMS and the Agency
through CA\$H LINK are governed by the terms of the Plastic Card Network
Invitation for Expressions of Interest (IEI) published on July 17, l997.
See e.g., IEI Appendix 4: CA\$H-LINK Reporting Requirements. Any
chargeback dispute shall be resolved in accordance with the dispute
clauses in the Master Agreement (§ 26-29), and the rules and regulations
of the applicable network. When a chargeback is properly made, the
Financial Institution shall debit the Agency\'s account for the proper
amount.

The Agency and FMS agree to be bound by National/International and
Regional Network rules and regulations to the extent these rules apply
under the terms of this Agreement and do not conflict with Federal law.
The Financial Institution shall provide FMS and the Agency with the
current National/International and Regional Network rules and
regulations on the date the Agreement is executed by the Financial
Institution.

3.3 Technical On-Line Debit Card Sales Requirements

The Agency will have at, or in proximity to, the point of sale where a
National/International or Regional Network debit card is accepted, Point
of Sale (POS) terminal equipment with an operating Track 2 magnetic
stripe reader, Personal Identification Number (PIN) pad with
alphanumeric keyboard, printer, and keyboard lock function.

Agency POS terminal equipment will be situated to permit Cardholders to
input their PINs without revealing them to other persons, including
agency personnel. The PIN keyed in by the Cardholder will not be
displayed, transmitted or stored in non-encrypted form. The Agency POS
terminal equipment must comply with the Data Encryption Standards
required by National/International and Regional Networks listed in
appendix One. Encryption transition at the Financial Institution host
computer shall be performed in hardware. At no point shall translation
be effected by software.

Agency POS terminal equipment will have an Enter/Clear key; a Cancel
key; and Receipt Printer. The Agency terminal will be capable of locking
the keyboard to prevent additional transactions, other than Cancels,
form being entered into the system while the transaction is being
processed. Agency POS terminal equipment will also be capable of
supporting the automatic printing of transaction receipts and must be
able to identify authorization and denial status.

The Agency POS terminal equipment, and related transaction equipment
such as electronic cash registers, must be fully compatible with the
central processing unit of the Financial Institution or its designated
processor, and must be able to directly send, receive and process
information, on-line authorizations, and daily on-site reconciliation
for the balancing of close-out procedures.

3.4 Transaction Procedures

The Agency will require the Cardholder to enter his or her PIN when
initiating an on-line debit card transaction. Agency transactions that
do not use the Cardholder\'s debit card PIN are strictly prohibited. The
Agency is not permitted to complete any POS debit card transaction, via
the Agency POS terminal, which has not been authorized on-line by the
Financial Institution and/or the National/International or Regional
Network switch. Agency transactions will be strictly prohibited when the
applicable network switch, debit terminal magnetic stripe reader, PIN
pads, and/or the network terminal are inoperative, and/or the magnetic
stripe is unreadable. Manual or off-line transaction authorizations are
prohibited.

The Agency will not accept cash, checks, or other negotiable instruments
from any Cardholder and forward a credit through a
National/International or Regional Network, as a purported payment of
deposit to an account maintained by the Cardholder. The Agency will not
require a minimum transaction amount below which the Agency will refuse
to honor valid National/International and Regional Network debit cards.
Cashback transactions, insurance or redemption of scrip, and chained
transactions by the Agency are strictly prohibited.

3.5 Transaction Fees

The amount of any transaction fee levied by the Agency may be included
in the transaction amount, if permitted by the applicable Network rules
and regulations and by Federal, state and local law, provided the amount
of the fee is disclosed on the receipt and the amount of the terminal.
The sign will indicate the entity charging the fee and disclose any
other conditions pertaining to the fee or its method of calculation.

3.6 On-Line Debit Card Sales Involving Cards Indicating Multi-Network
Membership

When the Financial Institution has agreements with more than one
National/International and/or Regional Network listed in this Agreement,
and issues multi-network Cards, the Financial Institution shall process
all card transactions using the least expensive network, which is
available in the location where the transaction takes place, in terms of
the transaction fees charged to FMS, subject to routing rules
established by each applicable network.

3.7 Claims Procedures and Credit Vouchers

With respect to any transaction, an Agency with proper disclosure to the
Cardholder at the time of the transaction and in accordance with the
rules and regulations of the applicable network may: 1) issue a refund
to the Cardholder; 2) accept merchandise in immediate exchange for
similar merchandise of a price equal to the amount of the original
transaction; 3) accept merchandise in return and deliver to the
Cardholder a credit slip for the value of the merchandise returned,
which may be used only in the Agency place(s) of business; 4) if
permitted by applicable law, stipulate special circumstances agreed to
by the Cardholder, including, but not limited t, late delivery charges
or insurance charges; or 5) cause the transaction to be completed, even
though delivery of goods or service may be delayed.

Proper disclosure shall be deemed to have been given at the time of the
transaction if one of the following phrases or substantially similar
wording appeared legibly on all copies of the transaction receipt, or on
an invoice issued at the time of the sale prior to the receipt being
presented to the Cardholder: 1) \"no refund\"; 2 \"exchange only\"; 3)
\"in store credit only\"; and 4) (any special terms). Failure of the
Agency to provide an invoice or transaction receipt substantially
incorporating any of these phrases does not necessarily mean proper
disclosure has not been made.

If proper disclosure is not made at the time of the transaction, and any
merchandise is accepted for return, or any services are terminated or
canceled, or any price adjustment is allowed by the Agency, the Agency
is authorized to make a cash refund to the Cardholder, or the Agency may
process a credit transaction to the Financial Institution, and provide
the Cardholder a credit receipt evidencing such refund or adjustment
provided that any such refund or adjustment is in accordance with the
rules and regulations of the applicable network. The Agency will sign
and date each credit receipt and will include thereon a brief
identification of the merchandise returned, services canceled, or
adjustment made, and the amount of the credit, in sufficient detail to
identify the transaction.

[4.0 AGENCY RESPONSIBILITY]{.underline}

4.1 General

The Agency will observe all card association and network rules and
regulations for credit and off-line debit cards and On-line debit cards
including, but not limited to, rules and regulations for transaction
procedures, claims procedures, credit vouchers, scrip and cashback.

4.2 Retrievals

The Agency will have five (5) business days to locate and return a
requested sales draft retrieval to the Financial Institution. Failure to
return the requested sales draft retrieval within five business days, or
to provide an explanation of why the sales draft retrieval cannot be
located or returned will result in a Financial Institution chargeback to
the Agency and a separate penalty charge for the delay. Any penalty
charges levied by the Financial Institution against the Agency will be
billed directly to the Agency. FMS will not be responsible for and will
not pay penalty charges levied against the Agency by the Financial
Institution.

4.3 Additional Fees

Additional fees imposed by the Financial Institution for non-receipt of
chargebacks or duplicate processing will be billed directly to the
Agency. FMS will not be responsible for, and will not pay additional
fees levied against the Agency by the Financial Institution.

4.4 Non-Qualification Fees

The Agency will pay the Financial Institution a non-qualification fee
for failure to close a terminal(s) at the end of the business day. Such
fees will be billed directly to the Agency. FMS will not be responsible
for and will not pay non-qualification fees levied against the Agency by
the Financial Institution.

4.5 Equipment

The Agency is solely responsible for the costs of leasing or purchasing
on-line POS terminal equipment, and related equipment such as electronic
cash registers, which are required to initiate and complete on-line
electronic debit card transactions under this Agreement. See section
3.3, Technical On-Line Debit Card Sales Requirements, for applicable
equipment technical standards, and section 5.2, Consulting and Training
Responsibilities, setting out the Financial Institution\'s duties to
ensure that the Agency on-line equipment satisfies all applicable
technical requirements and is compatible with the Financial
Institution\'s processing equipment.

4.6 Periodic Meetings

The Agency and the Financial Institution shall attend periodic meetings
with FMS to discuss the ongoing Agency operation of the plastic card
program; other potential card applications within the Agency; and
potential new industry developments. FMS will determine the need,
frequency of, and schedule of the periodic meetings. The Agency also
will be required to respond to periodic surveys and requests for
information by the FMS.

4.7 Written Response

The Agency will respond to all written inquiries from FMS within a
period of not more than 30 calendar days from the date of receipt.
Unless otherwise directed by FMS, the Agency shall submit all responses
directly to FMS regardless of whether the written inquiry originated
with FMS, or was received by FMS from the Financial Institution and
referred to the Agency.

4.8 Sale or Lease of Goods or Services

The Agency will be responsible for the underlying sale or lease of goods
and/or services to the Cardholder.

4.9 Agency/Financial Institution Ongoing Operations

The Agency shall attempt to resolve all recurring and unresolved
operational problems directly with the Financial Institution. Treasury
should be notified if these problems continue to appear or not resolved
in a timely manner.

[5.0 FINANCIAL INSTITUTION RESPONSIBILITIES]{.underline}

5.1 Written Inquires

The Financial Institution shall submit all written inquiries regarding
on-line processing issues under the terms of this Agreement to FMS. When
appropriate, FMS will consult with the Agency before responding to the
Financial Institution\'s written inquiries. FMS will respond to the
Financial Institution., in writing, within 60 calendar days of receipt
of such inquiries.

5.2 Consulting and Training Responsibilities

The Financial Institution shall consult with Agency personnel
responsible for purchasing or leasing on-line POS terminal equipment to
ensure that such equipment, and related transaction equipment such as
electronic cash registers, complies with applicable technical
requirements, and that such equipment is compatible with the Financial
Institution on-line debit card processing equipment**,** as required
under section 3.3. The Financial Institution consultants shall ensure
that Agency POS terminal equipment meet those technical specifications
set forth in the National/International or Regional Network rules and
regulations which apply under the terms of section 3.2 of this
Agreement, including, but not limited to, Maestro U.S.A. regulations
which requires the PIN pad keyboard to permit entry of a PIN with four
to twelve characters and Regional Network regulations which require the
PIN pad keyboard to permit entry of a PIN with up to sixteen characters.
The Financial Institution requires the agency to issue: Upon completion
of an authorized on-line transaction, the Agency will provide the
Cardholder with a transaction receipt printed by the Agency POS terminal
specifying the: a) transaction amount, b) date of transaction, c)
transaction type, d) card account number, e) terminal location as
defined in Regulation E (12 C.F.R. § 205.9(a)(5)), f) trace number, g)
transaction time, if the terminal has the capability, and h) any other
information required under applicable Federal, state or local laws,
rules, or regulations, including Regulation E (12 C.F.R. Part 205).

The Financial Institution also is responsible for training Agency
personnel to interface Agency POS terminal equipment with Financial
Institution on-line equipment.

The Financial Institution is responsible for carrying out its consulting
and training responsibilities under this section whether the Agency
purchases or leases its on-line POS terminal equipment, or related
transaction equipment, from the Financial Institution. However, in the
event the Financial Institution does lease or sell POS terminal
equipment or related transaction equipment to the Agency, the Financial
Institution is deemed to guarantee that such equipment complies with
applicable technical requirements, and that the equipment is compatible
with the Financial Institution\'s on-line debit card processing
equipment, as required under section 1.3.

[6.0 FINANCIAL MANAGEMENT SERVICE RESPONSIBILITY]{.underline}

FMS will monitor this and all other Agreements between the Agency and
the Financial

Institution for the entire duration of the Master Agreement. FMS will be
a party to, and will sign all Agency participation agreements.

6.1 Amendments

FMS may, at any time, by written notification to the Financial
Institution and the Agency, modify this Agreement. If a modification or
change causes an increase or decrease in the cost, or time required for
performance of any part of the service required by this Agreement, then
the Agreement shall be adjusted accordingly. The Financial Institution
must assert its right to an adjustment, in writing, within 30 days from
the date of the receipt of the written notice of modification or the
date of the implementation of the change, whichever is earlier, unless
FMS concurs in a later submission.

If the parties fail to agree informally to an adjustment in price, or
other term of performance, the Financial Institution shall submit to FMS
a second written statement signed by a senior Financial Institution
official certifying that (1) the claim is made in good faith, (2)
supporting data are accurate and complete to the best of the Financial
Institution\'s knowledge and belief, and (3) the amount requested
accurately reflects the adjustment to which the Financial Institution
believes it is entitled. If a final FMS decision on the claim becomes
necessary, that decision shall be issued by no lower level than the
Director, Financial Services Division.

[7.0 TERMINATION OF AGENCY AGREEMENT]{.underline}

**7.1 Termination by FMS for Default**

The Agency may terminate this Agreement, in whole or in part, if the
Financial Institution (1) fails to perform services within the time
specified in this Agreement; 2) or fails to take actions to correct any
identified deficiencies so as to materially endanger performance of
services under this Agreement; 3) fails to perform any of the other
provisions of this Agreement.

Prior to termination of this Agreement for default, FMS will give the
Financial Institution written notice of the deficiencies giving rise to
the proposed default action and with be given a minimum of 15 days from
the date of the letter to correct the deficiency. If the Financial
Institution fails to correct identified deficiencies in the time
provided to FMS\' satisfaction, FMS may terminate for default. FMS may
terminate this Agreement without notices if the Financial Institution
becomes insolvent or engages in criminal malfeasance. If this Agreement
is terminated for default, the Financial Institution shall complete all
services in process at the time of default unless otherwise directed in
writing by FMS. The Financial Institution shall be compensated at
existing applicable rates for all completed services delivered and
accepted.

In the case of either a partial or total termination for default, FMS
may acquire services similar to those terminated, and the Financial
Institution shall be liable for the increased costs of those services,
and the administrative costs of acquiring the substitute services. The
Financial Institution shall be liable for any administrative costs if
the failure to perform this Agreement arises form causes beyond the
reasonable control and without the fault or negligence of the Financial
Institution. The Financial Institution has the burden of establishing
that its failure to perform was beyond its reasonable control and that
the Financial Institution was not at fault or negligent.

If it is determined that the Financial Institution was not in default,
or that the default was excusable, after this Agreement is terminated
for default, the rights ad obligations of the parties shall be the same
as if the termination had been issued under section 7.3.

7.2 Termination by FMS for Reasons Other Than Default

FMS may terminate this Agreement, in whole or in part, for reasons other
than default, determined by FMS to be in the best interest of the
government. The termination will be made by providing the Financial
Institution with a 30 day written Notice of Terminations specifying the
effective date.

In the event of a termination, the Financial Institution shall be
entitled to submit a written claim. The Financial Institution shall
submit the written claim promptly, but in any event not later than one
(1) year from the effective date of termination. The claim shall be
accomplished by a written statement signed by a senior Financial
Institution official certifying that (1) the claim is made in good
faith, (2) supporting data are accurate and complete to the best of the
Financial Institution\'s knowledge and belief, and (3) the amount
requested accurately reflects the adjustment for which the Financial
Institution believes FMS is liable. If the claim can not be resolved by
mutual agreement, or if the Financial Institution fails to submit a
claim within the required period, and a final FMS decision on the claim
becomes necessary, that decision shall be issued by no lower level than
the Director, Financial Services Division.

7.3 Termination by Financial Institution for Default

The Financial Institution may terminate this Agreement for default by
providing FMS and the Agency with a 90 calendar day notice, in writing,
setting forth the cause for the termination for default notice.

The termination shall become effective only in the event that the stated
cause is not cured to the mutual satisfaction of all parties to this
Agreement within the 90 day period. An effective termination of this
Agreement, under this subsection, does not modify or terminate the
Master Agreement executed between the Financial Institution and FMS.

7.4 Active Acceptance

From time to time, the operating procedures may be amended, by providing
the Agency and FMS with at least 30 days prior written notice. After 30
days, those provisions will be deemed incorporated into this Agreement.
For those changes in the Card Association Rules or for security reasons
certain changes in Card procedures may become effective on shorter
notice subject to agreement by the parties.

7.5 Ancillary Services

The Agency shall coordinate with FMS prior to obtaining any additional
services from the Financial Institution excluding equipment.

[8.0 ACCEPTANCE OF TERMS OF AGENCY PARTICIPATION AGREEMENT]{.underline}

In witness whereof, the following parties have executed this agreement
on this \_\_\_\_\_\_\_\_\_\_\_\_\_day of
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_, 19\_\_\_\_\_.

By affixing their signatures, the parties certify that they are
authorized to enter into this Agreement and bind their respective
organizations to the provisions of this agreement.

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Agency Name**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Date Agency Official**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Title**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Telephone Number**

**Financial Institution
Name\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Date Financial Institution Official**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Title**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Telephone Number**

**\_\_\_\_\_\_\_\_\_\_\_\_
\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Date Financial Management Service**

**Official Title**

**\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_**

**Telephone Number**

AMENDMENT TO AGENCY PARTICIPAT10N AGREEMENT PLASTIC CARD COLLECTION
NETWORK (CREDIT AND OFF-LINE DEBIT CARDS)

Amendment: The Plastic Card Collection Network (PCCN) **Agency
Participation Agreement** between the Financial Management Service
(FMS), NationsBank, NA (Financial Institution), and the \[agency name,
ALC #, and program, pursuant to the PCCN **Master Agreement** between
FMS and, the Financial Institution, is hereby amended to provide for the
purchase or lease of goods and services and payment of fees, fines. or
debts by customers through Internet processing.

This pilot will utilize software and other components designed to the
Secure Sockets Layer (SSL) or Secure Electronic Transaction (SET)
specifications as the standard for processing of payment transactions.
The financial institution has selected MasterCard and other third-Party
contractors to participate in this Pilot.

**1.11 Internet Sales**

a\) For purposes of Card Transactions over the Internet, the Agency
shall use certified software and hardware that implement either (or
both) the Secure Sockets Layer (SSL) Secure Electronic Transactions
(SET) protocols. The decision as to the software and hardware that shall
be acceptable for this purpose shall be made by FMS, in coordination
with the Agency and the Financial Institution.

b\) The Agency shall preserve the Agency\'s records relating to each
Card Transaction. for a period of at least three (3) years from the date
of each Card Transaction.

c\) A Card Transaction over the Internet shall be considered complete
upon the Agency\'s transmittal to the Cardholder of the Agency\'s
acceptance of the Cardholder\'s offer, which in no case shall take place
before authorization.

d\) For purposes of Card Transactions over the Internet, Sections 1.3, 1
6, 1.7, 8(b(1)) and 2.4 of the Agency Participation Agreement shall not
apply.

e\) For the purposes of section 1.8 of the Agency Participation
Agreement, Card Transactions over the Internet shall be treated as
\"mail or telephone orders\" until and to the extent that the Card
Networks defined in section 1.1 of the Agency Participation Agreement
generally deem otherwise. However, in. no case shall the interchange fee
be higher than that currently charged for mail orders or telephone
orders

f\) The Agency shall bear the risk of loss for properly collecting,
processing, and transmitting such information as may be required to
complete each Card Transaction. Among other requirements, each Card
Transaction shall require the Agency to obtain an authorization from the
Financial Institution or its agent prior to completing the transaction.
The Agency shall bear the risk of loss for improper processing or other
failures of the Agency\'s software and hardware used in credit card
transactions.

AMENDMENT TO AGENCY PARTICIPAT10N AGREEMENT PLASTIC CARD COLLECTION
NETWORK (CREDIT AND OFF-LINE DEBIT CARDS)

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Agency Name

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Date Agency Official

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Title

(\_\_\_\_\_)\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Telephone Number

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Financial Institution Name

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Date Financial Institution Official

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Title

(\_\_\_\_)\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Telephone Number

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Date FMS Official

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Title