NOTICE ON PAYMENT ACCEPTANCE SERVICES

Dear valued Merchant,

To ensure safe and transparent payment activities and compliance with applicable laws and regulations, ACB kindly requests that Merchants carefully review and strictly comply with the terms payment acceptance services set out in the agreement that you have signed with ACB. Particularly:

1. Use the Service for its intended purpose

Only use the devices and payment acceptance methods provided by ACB for lawful payments to goods and services directly provided by the Merchant, in accordance with the business lines registered with ACB.

2. Secure transaction Legitimacy

Please do not use the payment acceptance services for purposes incompliant with applicable regulations and signed agreements, including but not limited to:

   • Providing cash advances to cardholders in any form without ACB's prior written approval.
   • Conducting fictitious, fraudulent or sham transactions, or transactions not arising from the actual sale of goods or provision of services.
   • Collecting payment on behalf of third parties, transferring money, refinancing, lending, or performing any other activities incompliant with the purpose of payment for goods and services.
   • Conducting any transactions prohibited by law or not permitted under agreements signed with ACB.

3. Manage payment devices and information properly

   • Regularly inspect and supervise the use of POS/Smart POS at business locations; ensure they are used only for their registered purpose and are not lent, leased or transferred without authorization.
   • Proactively inspect and safeguard payment QR Codes at points of sale, and promptly notify ACB upon detecting any signs of replacement, tampering, covering or unauthorized use.
   • Merchants shall be responsible for any transactions arising from the improper use of services in violation of contractual terms or applicable laws.

ACB inspects and supervises the use of services and shall apply appropriate measures to handle violations in accordance with applicable regulations.

ACB appreciates the cooperation of Merchants in ensuring safe and transparent payment activities, protecting the legitimate interests of all parties and maintaining a secure and trustworthy payments ecosystem.

Sincerely,
ASIA COMMERCIAL JOINT STOCK BANK (ACB)