The Purpose Of This Guide; Chip Cards (Smart Cards); Protecting Cardholder Privacy; Protecting Yourself From Credit Cardholder Fraud - TD Freedom IV Merchant Manual

THE PURPOSE OF THIS GUIDE

This guide provides instruction on the use and functionality of the Freedom IV terminal using credit card, debit
card, as well as additional accepted card types. It also provides general administrative guidelines with respect to
both credit and debit.
The provision of Visa and/or Interac Direct Payment merchant services to you (the user) by TD Merchant
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Solutions is governed by the Merchant Solutions Agreement and any other agreement(s) that govern the
services that we may provide to you. The use of the Freedom IV terminal with respect to the provision of
merchant services by a third party is governed by any agreement(s) with such third party.

CHIP CARDS (SMART CARDS)

As you may know, chip-enabled cards and terminals are being introduced throughout the retail and financial
services industry across Canada because they help enhance the security of electronic point-of-sale debit and
credit card transactions and provide faster, more efficient customer service at the checkout.
The new generation of smarter credit and debit cards – Chip cards - are coming to Canada and can now be ac-
cepted by your Chip-enabled Freedom IV terminal. Chip cards are embedded with a microchip that can secure-
ly store encrypted information such as a cardholder's account number, Personal Identification Number (PIN)
and credit limits.
With your new Chip-enabled Freedom IV terminal from TD Merchant Solutions, you can now process
transac-tions for Chip credit and debit cards issued by financial institutions in Canada and around the world.
You can still also continue to use your new Chip enabled terminals to process magnetic stripe transactions for
credit and debit cards without chips.

PROTECTING CARDHOLDER PRIVACY

Remember you have a responsibility to protect your customers from possible credit card fraud by maintaining
the confidentiality of their personal information. Visa requires that merchants protect cardholders' account and
transaction information including cardholder names, account numbers and information embossed, encoded or
appearing on Visa cards ("information") in accordance with the Visa Account Information Security Standards.
You may not use Information for any purpose except to complete transactions authorized by the cardholder.
Information must be stored in a secure area and only authorized staff should be given access to the Information.
Information must be destroyed and rendered unreadable before it is discarded. If you make arrangements with
any third party for the purpose of collecting, processing or storing information you must have a written con-
tract with the third party which requires compliance with the Visa Account Information Security Standards. You
must allow TD Merchant Solutions or Visa to inspect your premises and ensure that we can inspect the
premises of any third party to verify that Information is securely stored and processed. The Visa Account
Information Security Standards Manual is available at www.visa.com or for further information please contact
TD Merchant Solutions.

PROTECTING YOURSELF FROM CREDIT CARDHOLDER FRAUD

This terminal is designed to further protect us from cardholder fraud. The Freedom IV terminal can accept
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