WIXLIB

2.29 “Equal Instalment Financing” means the financing method that allows the Cardholder of a Desjardins Visa Card or of a PrivateLabel Credit Card issued by a Merchant to distribute the price of their purchase into a number of equal instalments and under specificpayment terms;2.30 “Fee Schedule” means any fee schedule that may be attached to the Application Form for any of the Desjardins Payment Services,as well as any related document that may be provided to the Merchant at the time of its application, when opening its Merchantaccount or thereafter;2.31 “Floor Limit” means, where applicable, the maximum amount that the Federation may authorize in respect of: (i) a Cardholder’spurchases of goods offered or services rendered by the Merchant in a single Credit Card Transaction; or (ii) the total Transactions carriedout with a Merchant in one day; without, in both cases, requiring systematic authorization from the Federation;2.32 “Guides and Instructions” means all guides, instructions, directives, checklists and other communications that may from timeto time be sent to the Merchant by the Federation that relate to any of the Desjardins Payment Services. The Guides and Instructionsmay be issued by the Federation or a Card Organization and deal, without limitation, with the processing of Transactions, the refusalor cancellation of credit related to a Transaction, the prevention and detection of fraudulent Transactions, the installation and use ofTerminals and the forms to be used for any of the Desjardins Payment Services;2.33 “Identifier” means the code provided by the Federation that enables the Merchant to identify itself on the Secure PaymentGateway. This code is issued by the Federation when the Gateway is activated;2.34 “Integrated POS Terminal “or” IPOS” means a PIN selector keypad used solely with the particular payment solution integratedinto the Merchant’s cash register system;2.35 “Intellectual Property Rights” means any registered or unregistered intellectual property or industrial right protected undera law of Canada, of any foreign country or of any political jurisdiction of a country;2.36 “Magnetic Stripe Credit Card” means a Credit Card or a Private Label Credit Card equipped with a thin flexible stripe, generallyin plastic, one side of which is coated with a magnetic substance that serves as a recording medium for confidential information such asaccount numbers;2.37 “MasterCard Merchant Service” means the service whereby the Merchant can provide its customers with a MasterCard CreditCard payment method to purchase goods or services;2.38 “MasterCard Credit Card” means an unexpired MasterCard Credit Card showing the MasterCard name or bearing theMasterCard symbol and/or distinctive intertwined circles;2.39 “Merchant Account” means the account or accounts, described in Section 8 of this Agreement, held by the Merchant for thepurposes of using the Desjardins Payment Services;2.40 “Merchant’s Computer Systems” means all the computer systems used by the Merchant in its business, including those formingpart of the Merchant’s Point of Sale Equipment, for the purposes of storing, processing and transmitting data related toa Transaction or to a Cardholder, excluding any Terminal provided to it by the Federation pursuant to this Agreement;2.41 “Merchant’s Point of Sale Equipment” means a cash register, a microcomputer, one or more electronic tablets, a smartphone orother device, or any other sales-facilitating tool, Terminal or other equipment not provided by the Federation that is used in connectionwith a Desjardins Payment Service to carry out Transactions;2.42 “Mobile Application” means an application the Merchant must download, at its expense, on its smartphone or other deviceallowing it to access the various tools and services made available to it by the Federation in connection with a Mobile Payment Solution;2.43 “Mobile Keypad” means a PIN selector keypad used only in connection with a Mobile Payment Solution;2.44 “Mobile Payment Solution” means a service allowing the Merchant, through its smartphone or other device and a MobileKeypad, to make available to its customers a mobile method of paying by Credit Card and Debit Card to purchase products or services;2.45 “Participating Merchants” means, in respect of the Desjardins Gift Card Programs, stores operating under the same banner as,affiliated with or part of the same group as the Merchant that intend to participate in a Desjardins Gift Card Program under the termsand conditions set forth in this Agreement, specifically under Section 7;2.46 “Parties” means the Federation and the Merchant, and “Party” means one or the other of the “Parties”;2.47 “Password” means the confidential password issued to the Merchant by the Federation which allows the Merchantto identify itself;6

2.48 “PCI DSS” (Payment Card Industry Data Security Standard) means the requirements related to the security of data issued from timeto time by the PCI Security Standards Council, as well as any amendments that may be made thereto from time to time. Any reference inthis Agreement to the PCI DSS regarding any of the Desjardins Payment Services refers to that standard as it is interpreted by the relevantCard Organization or, where applicable, by the Federation;2.49 “Place of Business” means the various places of business where the Merchant wishes to use the Desjardins Payment Services.Upon mutual agreement with the Federation, the Merchant may add or remove Places of Business where it wishes to use the DesjardinsPayment Services;2.50 “Private Label Credit Card” means a Credit Card issued and administered by the Federation and bearing a Merchant’s logo,allowing the Cardholder to make purchases only at that Merchant’s location, to the exclusion of any other Merchant;2.51 “Remote Transaction” means any Transaction made without the Credit Card, the Private Label Credit Card or the Cardholderbeing present at the Place of Business, in particular in the case of a telephone, mail or online order;2.52 “Secure Payment Gateway” means, depending on the case, a secure online Transaction payment service offered by a designatedsupplier or the Federation that allows the Federation’s Data Centre to present a secure Web page to the Merchant’s customer andto receive information on the secure page in addition to allowing the Desjardins Data Centre to authorize Transactions for both theMerchant and its customer, and enabling the moneys arising from the Transaction to be deposited into the Merchant Account;2.53 “Terminal” means a point of sale Terminal, an Integrated POS Terminal and/or a Mobile Keypad, namely one or more itemsof equipment consisting of, as the case may be, a Magnetic Stripe Credit Card reader, a Chip Credit Card reader, a Contactless CreditCard reader, an automated Terminal, a monitor, a printer, a telephone and/or a PIN selector keypad linked to the Federation as stipulatedin this Agreement, which device is required to use one or more Desjardins Payment Services at a Place of Business. This term includes theMerchant’s Point of Sale Equipment, the Concentrator and the Payment Server;2.54 “Third Party Complementary Service” means any service supplied by a third party, available using a Terminal, the Merchant’sPoint of Sale Equipment or a Secure Payment Gateway, that is ancillary or complementary to any of the Desjardins Payment Services,including any service related to a loyalty program. A Third Party Complementary Service is subject to a specific agreement entered intobetween the third party and the Merchant to the exclusion of the Federation;2.55 “Transaction” means any authorized Transaction between a Merchant and a Cardholder made using a Credit Card, a Debit Cardor a Private Label Credit Card. Where the context so requires, a Transaction includes a Remote Transaction;2.56 “Transaction Authentication Key” means the key allowing the Merchant to access the Secure Payment Gateway obtainedfrom a designated supplier, and “Security Key” means the key allowing the Merchant to access the Secure Payment Gateway obtainedfrom the Federation;2.57 “Transaction Authorization, Input and Processing Service” means a system which, through the use of a Terminal for CreditCards or a telephone device or Secure Payment Gateway for the DePOSiTEL Payment Service, enables the Merchant to (i) identifya Cardholder whose name appears on a Credit Card whose file is stored in a computer database; and (ii) make the direct deposit in theMerchant Account;2.58 “User Code” means a code provided by the Federation that enables the Merchant to identify itself;2.59 “Virtual Terminal” means a tool accessible from the Internet allowing the Merchant to process Remote Transactions. This terminalcommunicates with the Secure Payment Gateway by a secure link that complies with Federation standards;2.60 “Visa Credit Card” means an unexpired Visa Credit Card displaying the distinctive blue, white and gold colour bands ordisplaying the distinctive “Winged Visa” dual colour design (the “Visa Brand Mark”), or if the Merchant is a merchant with ElectronicCapacity, bearing the Visa Brand Mark with the Electron Identifier;2.61 “Visa Debit Card” means a debit card issued by financial institutions that have subscribed to the Visa Debit serivce;2.62 “Visa Merchant Service” means the service whereby the Merchant can provide its customers with a Visa Credit Card paymentmethod to purchase goods or services;2.63 “Web Application” means a software application available via a Web browser that the Merchant can use to access various toolsmade available to it by the Federation and to access services, Statements or account statements;7

3. VISA MERCHANT SERVICE AND MASTERCARD MERCHANT SERVICE3.1 Scope of the Provisions relating to the Visa Merchant Service and MasterCard Merchant ServiceThe following provisions prescribe the terms and conditions applicable to the Visa Merchant Service and the MasterCard Merchant Service unlessindicated otherwise or the provisions specify one in particular. Moreover, these services are subject to the rules and regulations of the relevantCard Organization, including any amendment that may be made thereto from time to time.3.2 Merchant’s Obligations3.2.1 Upon presentation of a Credit Card or a Private Label Credit Card by the Cardholder, the Merchant agrees as follows:A) to sell the goods or provide the services agreed upon to the Cardholder;B) not to charge any commission or any other fees for the use of the Credit Card or the Private Label Credit Cardas a means of payment;C) not to demand, as a condition for accepting the Credit Card or Private Label Credit Card, that the sale of goodsor the provision of services be of a minimum or maximum amount;D) not to establish any practice related to the acceptance of Credit Cards that favours the use of one Credit Card overanother Credit Card of the same brand or of another brand;E) unless such information is needed to complete the Credit Card Transaction, not to refuse to carry out a Credit CardTransaction or Private Label Credit Card Transaction solely because the Cardholder refuses to provide additional informationregarding his identity; andF) not to use an imprinter in the case of a payment made using a Chip Credit Card unless the Merchant is using a Terminalnot equipped with a chip card reader or the Merchant is using the DePOSiTEL Payment Service.3.2.2 The Merchant undertakes, under normal operating conditions, to obtain authorization in accordance with Section 3.8 of thisAgreement for each Credit Card Transaction or Private Label Credit Card transaction. Except for a service that does not require thesignature of the Cardholder and for Remote Transactions, the Merchant shall complete each transaction by filling out an Invoiceprovided or approved by the Federation, by printing thereon the information embossed on the Credit Card or the Private LabelCredit Card and on the Merchant’s printer plate (except for Chip Credit Cards used with Merchants whose Terminals processtransactions made using such cards), or by using an electronically printed Draft, without attempting to allocate the amountof any Transaction over more than one Invoice or Draft. If the transaction is made using a Magnetic Stripe Credit Card, the Invoiceor Draft, as the case may be, must be signed by the Cardholder, to whom the Merchant shall give a copy thereof.3.2.3 The Merchant must archive its Drafts and Invoices, its credit notes as well as any other document relating to theTransactions (in this paragraph, collectively the “Drafts and/or Invoices”) for a period of three (3) years (in this paragraph, the“Retention Period”). During this Retention Period, the Federation may, at any time, request the return of the Drafts or Invoices.Where the Merchant cannot produce a Draft or an Invoice for any reason, it shall assume any damages that might arise fromthe loss of such Draft or Invoice, and it expressly authorizes the Federation to debit its Merchant Account accordingly, whereapplicable. The Merchant shall have five (5) business days to send the Drafts or Invoices following the date of receipt of a noticeto that effect sent by the Federation in accordance with Section 24.1 of this Agreement. The original Drafts and/or Invoices anda clearly legible copy must be sent to the Federation. Until the Retention Period expires, the Merchant shall be responsible forany material containing Credit Card or Private Label Credit Card account numbers and all copies related thereto and shall keepsuch material in a reserved location accessible only to designated members of its personnel.3.2.4 The Merchant undertakes to comply at all times with the Guides and Instructions that apply to the handling of transactionsand any other related obligation.3.2.5 With respect to each Transaction, the Merchant represents and warrants that it represents a bona fide sale of productsor services in the normal course of its business, that complies in all respects with this Agreement and with the law, and thatit is unaware and has no knowledge of any circumstance that might adversely affect the enforceability of any recovery againstthe Cardholder.8

3.2.6 The Merchant agrees to take all necessary measures, including with respect to the appropriate location of the PIN selectorkeypad, to ensure the confidentiality of the Cardholder’s personal identification number (in this paragraph, the “PIN”) whilesuch PIN is being entered during a Credit Card transaction, where applicable. Moreover, the Merchant agrees not to ask a CreditCard Cardholder to reveal their PIN or otherwise attempt to obtain such PIN.3.2.7 The Merchant undertakes to give the Federation thirty (30) days’ prior written notice of any change in its name, address(street number or electronic address), vocation or the products that it sells.3.3 Remote Transactions3.3.1 The Merchant recognizes that in carrying out Remote Transactions, IT DOES SO AT ITS OWN RISK AND PERIL ANDWITHOUT ANY GUARANTEE BY THE Federation in respect of the validity of said Transactions.3.3.2 In addition to the other rights set forth in Section 3.4 of this Agreement, the Federation may, at its sole discretion, refuseto honour a Remote Transaction concluded with the Merchant, even if it has already b

5 2.12 "Credit Card" means (i) a Visa Credit Card inthe case of the Visa Merchant Service; (ii) a MasterCard Credit Card in the case of the MasterCard Merchant Service; and (iii) an Additional Credit Card in the case of the Additional Credit Card Merchant Service; 2.13 "Control Panel" means the computer application that enables the Merchant to perform several actions, including viewing