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Chargeback guide Chargeback Guide May TB CSummary of Changes May Summary of Changes May This document re ects changes made since the last publication Description of Change Where to Look Chapter Dual Message System Chargebacks Changed table title from Good

Chargeback Guide May TB CSummary of Changes May Summary of Changes May This document re ects changes made since the last publication Description of Change Where to Look Chapter Dual Message System Chargebacks Changed table title from Goods or Services Not Provided -European Transactions for Travel Services to Failed Travel Merchant-Intra-EEA and Domestic European Transactions Only Failed Travel Merchant ??Intra-EEA and Domestic European Transactions Only Updated table Chargeback Condition Time Frame Message Reason Code Supporting Document and Notes Failed Travel Merchant ??Intra-EEA and Domestic European Transactions Only Updated table Proper Disclosure in Notes section Credit Not Processed Updated table Notes section Addendum Dispute Changed title from Good or Services Not Provided--European Transactions for Travel Services to Failed Travel Merchant ??Intra-EEA and Domestic European Transactions Only Failed Travel Merchant ??Intra-EEA and Domestic European Transactions Only Updated table sections IPM Second Presentment Message Reason Code supporting Documents and Notes Updated table section Supporting Documents Added bullets Taiwan only and Mastercard Biometric Card to bullet list Added under CAT Transactions MCC codes Updated bullet Properly identi ?ed Mastercard SecureCode Masterpass by Mastercard and Digital Secure Remote Payment DSRP transactions General Arbitration Chargeback No Cardholder Authorization No Cardholder Authorization Updated third bullet in topic Mastercard SecureCode SL Merchant-only Liability Shift and Mastercard SecureCode SL Global Liability Shift Updated table title from Acquirer Identi ?ed Addendum to Addendum Charges Addendum Charges Updated table elements IPM Second Presentment Message Reason Code and Notes ? ?? Mastercard Proprietary All rights reserved Chargeback Guide ? May CSummary of Changes May Description of Change Updated Chip Liability Shift table elements Second Presentment Condition bullet Supporting Documents and DE Where to Look Chip Liability Shift Updated table elements Addendum Disputes Arbitration Chargeback Condition bullet and and Supporting Documents Deleted ??Invalid Proof of Card Presence and Signature ? topic Was between Guaranteed Reservation Services ? No-show ? and Acquirer Reference Data ARD Does Not Match or is Invalid Updated bullet Properly identi ?ed Mastercard SecureCode Masterpass by Mastercard and Digital Secure Remote Payment DSRP transactions Cardholder Does Not Recognize Updated bullet three in topic Mastercard SecureCode SL Merchant-only Liability Shift and Mastercard SecureCode SL Global Liability Shift Updated table element Supporting Documents Addendum Transaction Updated table element Supporting Documents Con icting Information in Authorization and Clearing Messages Added last bullet ??Mastercard Biometric Card ? to Chip Liability Shift bullet list under Chip Liability Shift Participation table Updated Lost Stolen NRI Fraud Chip Liability Shift Participation table element de ?nition to term PIN-capable hybrid POS terminal Chip Liability Shift ??Lost Stolen Never Received Issue NRI Fraud Updated bullet third sub-bullet Added last bullet ??Mastercard Biometric Card ? to bullet list under Lost Stolen NRI Fraud Chip Liability Shift Participation table Changed heading name from IPM Second Presentment Message Reason Code to IPM Arbitration Chargeback Message Reason Code Removed ?rst bullet in Supporting Documents section Arbitration Chargeback ? ?? Mastercard Proprietary All rights reserved Chargeback Guide ? May CSummary of Changes May Description of Change Where to Look Removed topic Invalid Proof of