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First Data EFTPOS Скачать руководство пользователя страница 27

27

Operating your EFTPOS terminal

Step

05

Step

06

Step

07

Insert, tap or swipe the card.

Note: the value for a contactless transaction

is $100 or greater, the terminal will prompt the

customer to enter a PIN or insert their card.

Select the ‘Credit’ account type.

Confirm the transaction amount.

Purchase:

$$.$$

Total:

$$.$$

Step

08

Ask the customer if they would prefer to enter

their PIN or sign the receipt. Press

‘PIN’

or

‘Signature’

accordingly.

PIN or Sign?

Instructions continue on next page >

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Содержание EFTPOS

Страница 1: ...User Guide for countertop and mobile terminals First Data Merchant Solutions EFTPOS ...

Страница 2: ... layout 08 First Data countertop EFTPOS terminal 08 First Data mobile EFTPOS terminal 09 Transaction processing options 10 Installing the privacy shield 11 Loading receipt paper 12 To switch the terminal on and off 13 Communications setup 14 First Data countertop EFTPOS terminal 14 First Data mobile EFTPOS terminal 16 What are you looking for ...

Страница 3: ... and pre authorisation transaction 41 Processing and completion transaction from a pre authorisation 44 Mail order telephone order MOTO 47 Electronic commerce interface ECI 50 Void 53 Administration functions 56 Settlements 56 Tip addition 58 Reports 61 Shift report 61 Settlement report 61 Daily report 62 Transaction report 62 Other terminal functionality 62 Training mode 62 Surcharging 64 Custome...

Страница 4: ...4 Get to know your terminal 01 ...

Страница 5: ...5 Get to know your terminal Get to know your terminal ...

Страница 6: ...osition that allows the customer to enter their PIN so it cannot be observed by employees or other customers the EFTPOS PIN pad has an adequate length of terminal connection cord to allow customers to enter their PIN privately if in a fixed position the EFTPOS PIN pad has not been placed at an angle or height that prevents customers from shielding their PIN entry the placement of mirrors and other...

Страница 7: ...tically settle any time between 0001 and 1800 local time If you want to change your settlement terminal cut off time to allow for longer trading hours please visit the merchant support page to download a form and email your request If you do not complete settlement using one of these methods your EFTPOS terminal will prompt you to manually settle when processing the first transaction after 1800 lo...

Страница 8: ...s countertop EFTPOS terminal Receipt printer Integrated contactless card reader lights Contactless reader is embedded behind screen Colour touch screen terminal display Magnetic stripe card reader Alpha numeric keys Power on off and cancel key Back key Enter key Chip card reader ...

Страница 9: ...r is embedded behind screen Colour touch screen terminal display Magnetic stripe card reader Alpha numeric keys Power on off and cancel key Back key Enter key Chip card reader 9 Get to know your terminal Your terminal layout First Data Merchant Solutions mobile EFTPOS terminal ...

Страница 10: ...oes not have a chip or contactless capability you can process transactions by swiping the magnetic stripe through the terminal Smart card reader The integrated circuit card ICC reader is located at the bottom end Please make sure that the gold ICC contact pad is facing upward when inserting the card into the slot Magnetic card reader The card reader slot is on the right side of the terminal With t...

Страница 11: ...y shield You can choose to add a privacy shield to the terminal to provide customers with additional security when entering their PIN Remove the adhesive tab around the privacy shield Carefully place the privacy shield s adhesive side around the keypad ...

Страница 12: ...y pressing down evenly on both side tabs or by pressing on the centre of the printer cover 05 Use the serrated bar to tear off any excess paper IMPORTANT Always store thermal paper for your terminal in a dry dark area Handle thermal paper carefully Impact friction temperature humidity and oils can affect the colour and storage characteristics of the paper Never load a roll of paper that has folds ...

Страница 13: ...er on at the wall Hold down the red X key until the screen is formatting When powered on your terminal will display the application main screen before returning to the idle state Do not disconnect your terminal s power supply or communication line unless instructed to do so by the Help Desk The terminal is now ready for operation To switch the terminal off hold down the red X key until you are pro...

Страница 14: ...tore connectivity First Data countertop EFTPOS terminal IP Broadband Please contact the helpdesk on 1800 243 444 to activate your First Data Merchant Solutions countertop EFTPOS terminal for transactions over a broadband connection To use the First Data Merchant Solutions countertop EFTPOS terminals over a broadband connection you will need to have Internet access and a router that has at least on...

Страница 15: ... phone line simply connect from the communication port on your First Data Merchant Solutions EFTPOS termina directly to a telephone wall jack If the broadband connection fails and the terminal is configured for a dial up connection it will automatically switch to dial up mode Below is an example of a possible network configuration that the EFTPOS terminal can use to process transactions over IP br...

Страница 16: ... not need to install a SIM If you are instructed to remove the SIM by the helpdesk please use the following reinstallation steps Turn your mobile EFTPOS terminal off before replacing the SIM card There are four SIM slots on the left side of the device Insert the SIM card in the appropriate slot Make sure the SIM card is inserted in the correct direction as shown ...

Страница 17: ...nt Solutions mobile EFTPOS terminal comes with the option of WiFi capability To connect to your local WiFi network the following steps should be performed Step 01 Step 03 Step 02 Step 04 Select Admin Select WiFi Select Next Expand the first tree node Instructions continue on next page ...

Страница 18: ...o save all the changes made or press cancel to retain the original values Select the required field node Use the virtual keyboard to enter the required value and press the OK button next to the Space Bar buttonto accept the current change Once you have made the necessary changes restart the device It may take up to two minutes for the WiFi connection to be established once power is restored ...

Страница 19: ...he SSID and Key values SSID Name of wireless connection AdHoc False default True WiFiMode 1 MD5 2 PEAP 3 TLS default Encryption 0 Disable 1 WEP 2 TKIP 3 AES default Authentication 0 Open 1 Shared 2 WPA_PSK 3 WPA 4 WPA_PSK default 5 WPA2 Key Authentication key DN WPA domain name optional UN WPA user name optional CAKEY WPA CA key optional PWD WPA password over DES encryption optional ...

Страница 20: ...20 Operating your EFTPOS terminal 02 ...

Страница 21: ...21 Operating your EFTPOS terminal Operating your EFTPOS terminal ...

Страница 22: ... will recognise that you are undertaking a basic purchase transaction This means if the purchase is performed as a contactless transaction you can perform a transaction by following the steps Step 1 Type the purchase amount Step 2 Present tap the card Step 3 Print the customer s receipt Step 01 Step 03 Step 02 Step 04 Key in the purchase amount and press the green ENTER key on the keypad Alternati...

Страница 23: ... if required Insert tap or swipe the card Note the value for a contactless transaction is 100 or greater the terminal will prompt the customer to enter a PIN or insert their card Select the account type Confirm the transaction amount 0 00 Purchase Total Instructions continue on next page ...

Страница 24: ...ndicates the terminal is attempting to process the transaction The screen will update to reflect the status eg APPROVED If the customer used a chip card to process the transaction you can now remove the chip card EFTPOS in progress Please wait Remove card IMPORTANT Please ensure that you check the transaction is approved before completing the sale Hand the customer their copy of the transaction re...

Страница 25: ...5678 TERMINAL ID 12345678 USER 01 INV NO 000012 STAN 000034 ACCOUNT TYPE SAVINGS 4221 s 10 15 PURCHASE 80 00 TOTAL 80 00 AUTH ID 00321 RRN 1234560 00034 APPROVED 00 XXXX Merchant 123 Sydney Street North Sydney NSW 2060 Merchant Copy 28 OCT 2015 16 00 22 Example of a purchase transaction record First Data Merchant Solutions ...

Страница 26: ...Step 02 Alternatively if Purchase is not a configured hot key select Transaction then select Purchase from the transaction list Select Purchase from the main screen if it is configured as a hot key Refer to page 70 for details Step 03 Key in the purchase amount and press the green ENTER key on the keypad 0 00 Step 04 Key in the tip amount if required 0 00 ...

Страница 27: ...s 100 or greater the terminal will prompt the customer to enter a PIN or insert their card Select the Credit account type Confirm the transaction amount Purchase Total Step 08 Ask the customer if they would prefer to enter their PIN or sign the receipt Press PIN or Signature accordingly PIN or Sign Instructions continue on next page ...

Страница 28: ...the customer does not require a copy of the receipt press the red thumbs down button Customer copy Step 09 Step 11 This screen indicates the terminal is attempting to process the transaction If the customer used a chip card to process the transaction you can now remove the chip card EFTPOS in progress Please wait Remove card ...

Страница 29: ...R 01 INV NO 000012 STAN 000034 ACCOUNT TYPE SAVINGS VISA 4221 s 10 15 PURCHASE 35 00 SURCHARGE 3 50 SURCHARGE GST 0 35 SUB TOTAL AUD 38 85 TIP TOTAL First Data Merchant Solutions XXXX Merchant 123 Sydney Street North Sydney NSW 2060 Merchant Copy 28 OCT 2015 16 00 22 SIGNATURE Example of a credit card record AUTH ID 00321 RRN 1234560 00034 APPROVED 08 ...

Страница 30: ...lity to customers Cash out transaction with a purchase To process a cash out transaction with a purchase simply follow the steps outlined on page 24 of this guide under Purchase transaction Cash out only transaction You may process a cash out transaction without a purchase by following these steps Step 01 Step 02 Alternatively if Cashout is not a configured hot key select Transaction then select C...

Страница 31: ... ENTER key on the keypad Insert tap or swipe the card Note the value for a contactless transaction is 100 or greater the terminal will prompt the customer to enter a PIN or insert their card Select either the Cheque or Savings account type Confirm the transaction amount 0 00 Cash Total Instructions continue on next page ...

Страница 32: ...saction Ask the customer to key in their PIN If the customer used a chip card to process the transaction you can now remove the chip card EFTPOS in progress Please wait NN NN Enter PIN Remove card IMPORTANT Please ensure that you check the transaction is approved before completing the sale Hand the customer their copy of the transaction record their card and any cash out requested If the transacti...

Страница 33: ...TERMINAL ID 12345678 USER 01 INV NO 000012 STAN 000034 ACCOUNT TYPE SAVINGS DEBIT 4221 s 10 15 CASH OUT 80 00 TOTAL AUD 80 00 XXXX Merchant 123 Sydney Street North Sydney NSW 2060 Merchant Copy 28 OCT 2015 16 00 22 Example of a cash out transaction record AUTH ID 00321 RRN 1234560 00034 APPROVED 00 First Data Merchant Solutions ...

Страница 34: ...purchase is re processed with the correct amount Step 01 Step 02 Alternatively if Refund is not a configured hot key select Transaction then select Refund from the transaction list Select Refund from the main screen if it is configured as a hot key Refer to page 70 for details Step 03 Step 04 Key in your user ID and press the green ENTER key on the keypad if prompted Key in your password and press...

Страница 35: ...TER key on the keypad Insert tap or swipe the card Note the value for a contactless transaction is 100 or greater the terminal will prompt the customer to enter a PIN or insert their card Select the account type Confirm the transaction amount 0 00 Enter Refund Amount Refund Total Instructions continue on next page ...

Страница 36: ... Step 12 If the customer requires a copy of the receipt press the green thumbs up button If the customer does not require a copy of the receipt press the red thumbs down button Customer copy Step 11 Step 10 This screen indicates the terminal is attempting to process the transaction Ask the customer to key in their PIN EFTPOS in progress Please wait NN NN Enter PIN ...

Страница 37: ...T ID 4229851 2345678 TERMINAL ID 12345678 USER 01 INV NO 000012 STAN 000034 ACCOUNT TYPE Credit VISA 4221 s 10 15 REFUND 35 00 TOTAL 35 00 XXXX Merchant 123 Sydney Street North Sydney NSW 2060 Merchant Copy 28 OCT 2015 16 00 22 Example of a refund transaction record AUTH ID 00321 RRN 1234560 00034 APPROVED 08 SIGNATURE AUTH ID 1234560 RRN 1234560 00034 APPROVED 08 APPROVED WITH SIGNATURE First Dat...

Страница 38: ...t printed Step 01 Step 02 Step 03 Step 04 Select Receipts Select Merchant Customer or Settlement to re print the most recent receipt Select Search to look for other receipts Select the required transaction from the list or press the Back button to return to the main receipt screen Select Admin N DD MM INV No ...

Страница 39: ...mm yyyy A transaction may be cancelled at any time before the customer presses the green ENTER key or OK for the PIN entry Pressing the red CANCEL key will cancel the transaction and return the terminal to its idle state Once a customer has entered their PIN and pressed ENTER the transaction has been completed and you will need to perform a refund or void transaction if the customer needs to alter...

Страница 40: ... issue a successful pre authorisation request with a 6 digit authorisation number IMPORTANT The card issuer determines how long the pre authorisation value is held against the customer s account This period of time is typically three to five days After this the authorisation request expires and the business needs to issue a new pre authorisation request to begin the transaction again Part two comp...

Страница 41: ...lect Transaction then select Auth from the transaction list Select Auth from the main screen if it is configured as a hot key Refer to page 68 for details Step 03 Key in the pre authorisation amount and press ENTER 0 00 Enter Amount PREAUTH Step 04 Insert tap or swipe the card or manually enter the card details Instructions continue on next page ...

Страница 42: ...ustomer if they would prefer to enter their PIN or sign the receipt Press PIN or Signature accordingly PIN or Sign Step 07 This screen indicates the terminal is attempting to process the transaction EFTPOS in progress Please wait Step 08 If the customer requires a copy of the receipt press the green thumbs up button If the customer does not require a copy of the receipt press the red thumbs down b...

Страница 43: ... 01 INV NO 000012 STAN 000034 ACCOUNT TYPE Credit MASTERCARD 4221 s 10 15 PRE AUTH 355 00 TOTAL AUD 355 00 XXXX Merchant 123 Sydney Street North Sydney NSW 2060 Merchant Copy 28 OCT 2015 16 00 22 SIGNATURE Example of a pre authorisation transaction record AUTH ID 00321 RRN 1234560 00034 APPROVED 08 APPROVED WITH SIGNATURE First Data Merchant Solutions ...

Страница 44: ... Transaction then select Checkout from the transaction list Select Checkout from the main screen if it is configured as a hot key Refer to page 68 for details Step 03 Select an existing pre authorised transaction from the list N DD MM Step 04 Press the green thumbs up button if the transaction details are correct Auth ID NNNNNN Inv NNNNNN Card NNNN Amount Date dd mm yyyy ...

Страница 45: ...swipe the card Step 08 Step 09 Select the account type Select the green thumbs up button if the total amount is correct the red thumbs down button if you wish to cancel the transaction or Back if you wish to re enter the amount details Checkout Tip Total Step 10 Ask the customer if they would prefer to enter their PIN or sign the receipt Press PIN or Signature accordingly PIN or Sign ...

Страница 46: ...umbs down button Customer copy Note Graphic will only print on the customer copy of the receipt MERCHANT ID 4229851 2345678 TERMINAL ID 12345678 USER 01 INV NO 000012 STAN 000034 ACCOUNT TYPE Credit MASTERCARD 4221 s 10 15 CHECKOUT 355 00 TOTAL AUD 355 00 XXXX Merchant 123 Sydney Street North Sydney NSW 2060 Merchant Copy 28 OCT 2015 16 00 22 SIGNATURE Example of a processing a transaction complet...

Страница 47: ...he transaction The MOTO process is similar to a normal purchase or refund that involves manually entering card details However as the physical card and customer are not present at the point of sale you should gather and record as much customer information as possible before processing a MOTO transaction Step 01 Step 02 Alternatively if MOTO is not a configured hot key select Transaction then selec...

Страница 48: ...Key in the purchase or refund amount and press ENTER Key in the expiry date on the card and press ENTER Key in the CCV number on the back of the card and press ENTER 0 00 Enter Amount MOTO Purchase NNNNNNNN Enter Expiry MMYY NNNN Enter CCV NNN Step 08 Press green thumbs up button to confirm the amount or the red thumbs down button to cancel it MOTO Purchase Total ...

Страница 49: ...s not require a copy of the receipt press the red thumbs down button Customer copy Note Graphic will only print on the customer copy of the receipt MERCHANT ID 4229851 2345678 TERMINAL ID 12345678 INV NO 000012 ACCOUNT TYPE Credit MASTERCARD 4221 s 10 15 MOTO PURCHASE 99 00 TOTAL AUD 99 00 APPROVED 00 XXXX Merchant 123 Sydney Street North Sydney NSW 2060 Merchant Copy 28 OCT 2015 16 00 22 Example ...

Страница 50: ... goods or services from a merchant via a web based interface or e commerce platform and the customer and their card are not present at the merchant outlet The merchant must key the card number into the terminal to process the purchase or refund transaction The process is similar to a normal purchase or refund with manual entry of card details However as the physical card and customer are not prese...

Страница 51: ...N Enter CCV NNN Step 08 Press green thumbs up button to confirm the amount or the red thumbs down button to cancel it ECI Purchase Total Step 09 This screen indicates the terminal is attempting to process the transaction EFTPOS in progress Please wait Step 10 If the customer requires a copy of the receipt press the green thumbs up button If the customer does not require a copy of the receipt press...

Страница 52: ...NO 000012 STAN 004322 ACCOUNT TYPE Credit VISA 4221 s 10 15 ECI PURCHASE 15 00 SURCHARGE 1 50 SURCHARGE GST 0 15 TOTAL AUD 16 65 XXXX Merchant 123 Sydney Street North Sydney NSW 2060 Merchant Copy 28 OCT 2015 16 00 22 Example of a ECI transaction record SIGNATURE AUTH ID 00321 RRN 1234560 00034 APPROVED 08 APPROVED WITH SIGNATURE First Data Merchant Solutions ...

Страница 53: ...d can only be performed on a credit card transaction A refund is the equivalent process for debit transactions You can only void a transaction prior to performing a settlement on your terminal this includes forced settlement There will be no record of the transaction and its void on your customer s bank account This is because the transaction is deleted before the bank can complete it and no funds...

Страница 54: ...yyy Step 05 This screen indicates the terminal is attempting to process the transaction EFTPOS in progress Please wait Step 06 If requested verify the customer s signature Signature Required Signature OK Step 01 Step 02 Alternatively if Void is not a configured hot key select Transaction then select Void from the transaction list Select Void from the main screen if it is configured as a hot key Re...

Страница 55: ...ll only print on the customer copy of the receipt MERCHANT ID 4229851 2345678 TERMINAL ID 12345678 USER 01 INV NO 000012 STAN 004322 ACCOUNT TYPE Credit VISA 4221 s 10 15 VOID PURCHASE 55 00 TOTAL AUD 55 00 XXXX Merchant 123 Sydney Street North Sydney NSW 2060 Merchant Copy 28 OCT 2015 16 00 22 Example of a void transaction record SIGNATURE AUTH ID 00321 RRN 1234560 00034 APPROVED T08 APPROVED WIT...

Страница 56: ...S transactions taken as at the current settlement date The net total amount on the receipt will be credited to the nominated bank account you have provided to First Data Merchant Solutions Important We recommend that you perform a settlement each day If you do not a settlement will automatically be forced by First Data Merchant Solutions between 1730 and 1800 local time You can perform a settlemen...

Страница 57: ...nt MERCHANT ID 324234 3423423 TERMINAL ID 12345678 DEBIT PUR 005 37 25 CSH 002 8 32 REF 001 7 14 TOTAL AUD 38 43 MASTERCARD PUR 007 47 88 TOTAL AUD 38 43 VISA PUR 008 32 17 TOTAL AUD 32 17 AMEX PUR 002 14 30 TOTAL AUD 14 30 TOTAL DEBIT CREDIT PUR 020 117 30 CSH 002 8 32 REF 001 7 14 TOTAL AUD 118 48 XXXX Merchant 123 Sydney Street North Sydney NSW 2060 Merchant Copy 28 OCT 2015 16 00 22 to 29 OCT ...

Страница 58: ...ng the tip addition function A tip can only be added to a credit card purchase transaction and is limited to 25 of the transaction amount Tip addition Step 02 Alternatively if Purchase is not a configured hot key select Transaction then select tip addition from the transaction list Step 03 Select the transaction to which the tip will be added N DD MM Step 04 Press the green thumbs up button if the...

Страница 59: ...mbs up button to continue or the red thumbs down button to cancel the tip Purchase Tip Total Step 08 This screen indicates the terminal is attempting to process the transaction EFTPOS in progress Please wait Step 09 If the customer requires a copy of the receipt press the green thumbs up button If the customer does not require a copy of the receipt press the red thumbs down button Customer copy ...

Страница 60: ... 15 PURCHASE 35 00 TIP 2 00 SURCHARGE 3 50 SURCHARGE GST 0 35 TOTAL AUD 40 85 AUTH ID 159876 RRN 123456780 00034 APPROVED T00 XXXX Merchant 123 Sydney Street North Sydney NSW 2060 Merchant Copy 28 OCT 2015 16 00 22 Example of a tip addition transaction record Note Graphic will only print on the customer copy of the receipt First Data Merchant Solutions ...

Страница 61: ...l display the report header Settlement report The settlement report contains three separate sub reports as follows the subtotal report displays the subtotals for purchases cash outs and refunds for each card type non charge cards purchases tips a summary of pre authorisation transactions and a summary of electronic fallback transactions in the current period i e since the last settlement the last ...

Страница 62: ...actions conducted in training mode will be deleted once training mode is turned off Other terminal functionality Training mode Daily report The daily report displays debit totals for all card types totals per card type non charge cards a summary of all purchases cash outs and refunds with the number of occurrences and the sub total amounts for each transaction type totals per charge card type a su...

Страница 63: ...tep 05 Select Admin The status bar will now show the status as TRAINING Step 02 Step 03 Select Next Select Training Mode Step 04 Press the green thumbs up button to turn on training mode or Back to return to the Admin menu Training off Training ...

Страница 64: ... charge all debit cards a set amount per transaction such as a 1 00 surcharge and all credit cards could incur a 2 surcharge As shown below the surcharge amount is always displayed on the customer and merchant receipts You can configure your terminal to automatically calculate the GST on surcharge amounts Surcharging Note Graphic will only print on the customer copy of the receipt MERCHANT ID 4229...

Страница 65: ...444 to add a marketing message to your customer receipts Customer receipt marketing message Note Graphic will only print on the customer copy of the receipt GET 15 OFF ALL BAR FOOD AND SNACK ON MONDAYS TUESDAYS AND WEDNESDAYS OPENING HOURS 6AM 10PM 7 DAYS MERCHANT ID 4229851 2345678 TERMINAL ID 12345678 INV NO 000012 STAN 000034 ACCOUNT TYPE Credit VISA 4221 s 10 15 PURCHASE 200 00 SURCHARGE 4 00 ...

Страница 66: ...due to a communications error or due to the issuer being unavailable These transactions are known as electronic fallback EFB transactions All EFB transactions require signature confirmation and will be approved with a response code of 08 Approved with signature Transactions above the floor limit will prompt the user to enter an authorisation number You can obtain an authorisation for EFB transacti...

Страница 67: ...e there are multiple businesses sharing space and each has their own merchant facility Multi merchant capability allows users to be attached to one or all merchant accounts enabled on the terminal different configuration for each merchant account on the terminal for settings such as security reporting and screen layout Multi merchant capability is not a standard feature enabled on the First Data M...

Страница 68: ...nment options Once assigned pressing a function s hot key will have the same effect as selecting its equivalent key from the Transaction menu The following functions can be assigned as hot keys Cashout Checkout Purchase ECI Purchase MOTO Pre auth Purchase Refund Settlement Tip addition Void Configuration of hot keys is controlled centrally by First Data Merchant Solutions and cannot be changed on ...

Страница 69: ...SOR or USER and can be associated with one or more merchants You can set the following attributes within the context of a user merchant configuration Trading Name the merchant s name Cashout Pre auth Purchase Purchase cash Purchase tip Refund Tip Void User configuration is controlled centrally by First Data Merchant Solutions and cannot be changed on a terminal ...

Страница 70: ...e user who changes the shift becomes the default user for transactions or operations that do not require user authentication Use the following steps to manage shifts and obtain shift reports using the shift change function Step 01 Select Admin Step 02 Step 03 Select Next Select Shift Step 04 Key in your user ID and press ENTER User Name NN ...

Страница 71: ...08 Key in your password and press ENTER Select User to print shift totals by user Select Card to print shift totals by card User Password Step 06 Step 07 Select the green thumbs up button Select the Merchant if prompted Start Shift Merchant Merchant ...

Страница 72: ...atams com au The site is equipped to keep you up to date with tips and articles forms and guides security and fraud prevention information and so much more Or call Service and support 1800 243 444 Stationery 1300 664 660 Fraud and risk support 1800 372 838 Keep your merchant ID number handy when you call this can help speed up your enquiry ...

Страница 73: ...73 Operating your EFTPOS terminal Operating your EFTPOS terminal 73 ...

Страница 74: ... 2015 First Data Corporation All Rights Reserved All trademarks service marks and trade names used in this material are the property of their respective owners ...

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