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MasterCard Rules • 7 July 2016 BM Summary of Changes, 7 July 2016 Summary of Changes, 7 July 2016 With this update, MasterCard has included Europe region rules that were inadvertently omitted from the 14 June 2016 update. These rules have been reintroduced into Chapter 12, 6.1 Card Issuance—General Requirements. Source or Explanation of Chapter Number Rule Name Revisions Chapter 12—Europe Region 6.1 Card Issuance—General Addition of inadvertently omitted Requirements text. ©1969–2016 MasterCard. Proprietary. All rights reserved. MasterCard Rules • 7 July 2016 5 Summary of Changes, 14 June 2016 Summary of Changes, 14 June 2016 The below table reflects changes included in this update of the MasterCard Rules manual. For more information about changes to the Rules, see the MasterCard Rules Report in the “Rules and Policies” section of the Publications tool on MasterCard Connect™. Source or Explanation of Chapter Number Rule Name Revisions Chapter 3—Customer Obligations 3.3 Transaction Requirements See “Revised Standards Regarding Cross-border Certification,” Global Operations Bulletin No. 1, 4 January 2016. Chapter 3—Customer Obligations 3.2 Responsibility for Transactions See “Revised Standards for BIN Use,” Global Operations Bulletin 3.18 BINs No. 3, 1 March 2016. Chapter 5—Acquiring 5.1 The Merchant and ATM Owner Addition of clarifying text. Agreements Chapter 5—Acquiring 5.1.2.1 Gambling Merchants See “Revised Standards Relating to Gaming Payment Transactions in Nigeria,” Nigeria Operations Bulletin No. 1, 8 October 2015 (and other domestic bulletins). Chapter 6—Issuing 6.1.2 Maestro Card Issuance See “Device Type Mandate for Maestro Contactless Cards and Access Devices,” Global Operations Bulletin No. 1, 4 January 2016. Chapter 7—Service Providers 7.1 Service Provider Categories See “Revised Standards for the Business Risk Assessment and 7.1.6 Merchant Monitoring Service Mitigation (BRAM) Program,” Provider Global Operations Bulletin No. 7, 1 7.2.3 Program Service Agreement July 2015. 7.15 Registration Requirements for Merchant Monitoring Service Providers Chapter 10—Asia/Pacific Region 6.1.1 MasterCard Card Issuance See “Revised Standards for BIN Use,” Global Operations Bulletin No. 3, 1 March 2016. Chapter 12—Europe Region 8.2.3 Settlement Messages and Rule changes to support the Instructions separation of scheme and processing. ©1969–2016 MasterCard. Proprietary. All rights reserved. MasterCard Rules • 7 July 2016 7 Summary of Changes, 14 June 2016 Source or Explanation of Chapter Number Rule Name Revisions Chapter 12—Europe Region Definitions See “Introduction of Debit MasterCard in Israel,” Europe Debit MasterCard Country Region Operations Bulletin No. 4, 1 April 2016. Chapter 12—Europe Region 3.13 Data Protection See “Revised Standards— Separation of Scheme and 3.13.1 Processing of Transaction- Processing,” Europe Region Related Personal Data Operations Bulletin No. 3, 1 March 3.13.2 Data Subject Notice and 2016. Consent 5.7 Transaction Message Data 5.7.2 Card Acceptor Address Information 5.7.3 Submerchant Name Information 5.7.4 ATM Terminal Information 5.11.4 Scrip-dispensing Terminals 5.11.5 Existing Cardholder Obligations 7.1.1 Independent Sales Organization 7.1.4.2 Staged Digital Wallet Operator Requirements 7.6.5.1 Responsibility for Payment Facilitator and Submerchant Activity 8.2 Net Settlement 8.2.1 Currency Conversion ©1969–2016 MasterCard. Proprietary. All rights reserved. 8 7 July 2016 • MasterCard Rules Summary of Changes, 14 June 2016 Source or Explanation of Chapter Number Rule Name Revisions Chapter 12—Europe Region 4.8 Use of Marks on Maestro and See “Revised Standards— Cirrus Cards European Regulation 2015/751 on Interchange Fees,” Europe Region 4.9 Use of Marks on MasterCard Operations Bulletin No. 6, 1 June Cards 2015 and “Revised Standards— 5.10.1 Honor All Cards Co-Badged Cards and Cardholder Choice,” Europe Region 5.10.2 Merchant Acceptance of Operations Bulletin No. 3, 1 March MasterCard Cards 2016. 5.11.1 Discrimination 6.1 Card Issuance—General Requirements 6.1.4 Tokenization of Accounts 6.11 Maestro Chip-only Card Programs Chapter 12—Europe Region 6.1.1 MasterCard Card Issuance See “Revised Standards for BIN Use,” Global Operations Bulletin No. 3, 1 March 2016. Chapter 12—Europe Region 8.4 Establishment of Intracountry See “Revised Standards for Setting Interchange and Service Fees Domestic Interchange and Service Fees in Israel,” Israel Operations Bulletin No. 1, 28 March 2016. Chapter 14—Middle East/Africa 6.1.1 MasterCard Card Issuance See “Revised Standards for BIN Region Use,” Global Operations Bulletin No. 3, 1 March 2016. Chapter 14—Middle East/Africa 6.10.6 Value Loading See “Revised Standards Relating to Region Gaming Payment Transactions in Nigeria,” Nigeria Operations Bulletin No. 1, 8 October 2015 (and other domestic bulletins). Chapter 15—United States Region 6.1 Card Issuance—General See “U.S. Region Safety and Requirements Security Standards Roadmap,” U.S. Region Operations Bulletin No. 3, 29 March 2016. Chapter 15—United States Region 6.1.1 MasterCard Card Issuance See “Revised Standards for BIN Use,” Global Operations Bulletin No. 3, 1 March 2016. Appendix A—Geographic Regions Middle East/Africa Region Added French Southern Territories. ©1969–2016 MasterCard. Proprietary. All rights reserved. MasterCard Rules • 7 July 2016 9 Summary of Changes, 14 June 2016 Source or Explanation of Chapter Number Rule Name Revisions Appendix C—Definitions Access Device See the following: MasterCard Safety Net • “Revised Standards Relating to Access Device Terminology,” Payment Application Global Operations Bulletin No. Point-of-Sale (POS) Terminal 1, 4 January 2016 Wallet Token Requestor • “Revised Standards for BIN Use,” Global Operations Bulletin No. 3, 1 March 2016 • “U.S. Region Safety and Security Standards Roadmap,” U.S. Region Operations Bulletin No. 3, 29 March 2016 In addition, Wallet Token Requestor is clarified. ©1969–2016 MasterCard. Proprietary. All rights reserved. 10 7 July 2016 • MasterCard Rules MasterCard Standards MasterCard Standards MasterCard is dedicated to making payments safe, simple and smart. We have a set of standards (“the Standards”) in support of this mission that provides our Customers with clear direction as to their responsibilities. The Standards include the information contained in this MasterCard Rules manual and other manuals, along with guides, bulletins and policies that may be updated from time to time. The Standards enable growth for MasterCard and for our Customers while ensuring integrity and reliability. They are developed under a set of principles that guide us in our actions and provide a framework under which we operate. MasterCard and its Customers: Uphold the value of the MasterCard brands as the choice of payment for consumers, businesses and merchants. Consumers, businesses and merchants have multiple payment options