Arbitration Chargeback Condition. By entering your email, you agree to receive marketing emails from Shopify. This can provide important information to fight the dispute. 4807 – Warning Bulletin File. 2. 4854 Cardholder Dispute—Not Elsewhere Classified (U. . Thanks for following the Chargeback Gurus blog. Reason Code 4860 is applicable only if the merchant accepts returned merchandise or service cancellation and issues an in-store credit (or partial credit) without proper disclosure, as specified under the rules. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. The first is true fraud, where someone used stolen credit card or account information to make a purchase. Then it chooses the most applicable code for a. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Chargeback /Dispute; Merchant Response. Once you know why a chargeback happened, you can start building a case to address the claims that were made. This chargeback guide can be used as a sample guide when applying for credit card chargebacks. This chargeback occurs when merchants do not adequately provide currency information. Expert Help. Understanding these codes is essential because they'll guide your response strategy. 120 calendar days after the service was cancelled or the goods were returned; 120 days after credit documentation is issued (day zero is the date published on the document, the date of the merchant’s letter, or the date the issuer received the letter) Chargeback Reason Code. Code. BIO. Reason code 4860 - Credit Not Processed; Reason code 4863 - Cardholder Does Not Recognize- Potential Fraud; Reason code 4801 - Requested Transaction Data Not. Match case Limit results 1 per page. All ACH return reason codes consist of the letter “R” followed by two. 350 Intra-European Message Reason Code 4860—Credit Not. It is associated with a chargeback reason code, and it is specific per Card Scheme. About American Express chargeback reason codes. Visa Chargeback Codes: 30: Services not provided or Merchandise not received : 41: Cancelled recurring transaction : 53: Not as Described or Defective merchandise : 57:. These time limits are established to ensure prompt resolution of disputes and prevent unnecessary delays. Chargebacks maestro pos transactions message reason. Updated Disputes/Chargeback Policy Coming April 2024WEX began issuing chip cards in Q4, 2020. txt) or read book online for free. MasterCard Reason Code 4870 is a significant concern for merchants who accept credit card payments. Visa Chargeback Reason Code 13. 2 Compliance CasesDownload Chargeback Guide. If a dispute has a strong enough basis to warrant a chargeback, Discover will send a chargeback notice to the merchant along with the reason code for the chargeback. Defaults to false. The 4837 reason code allowed acquirers to provide alternate information when the originally-submitted payment information was incorrect. For defective or “Not as Described” reason codes. GraphQL Docs & Tools. The first step to getting a First Direct chargeback is to file a request with the bank. May 2011: 5. Chargeback Guide (PDF) - MasterCard. Reason Code North-America: Canada and United States of America; Reason Code: All other countries; Fraud. Here’s how reason codes make it easy for you to check the status of your disputes or chargebacks: Mastercard Chargeback Reason Codes Demystified. The network hasn't wholly disallowed some old codes. Credit not received. 1. Duplicate Processing. 2021. The customer is claiming that this purchase was not authorized. 4 (Other Fraud - Card Absent Environment), which is under the fraud category. American Express is incentivized to keep their customers happy. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. 04/09/14 Discover: DC, U02. 4515. English Deutsch Français Español Português Italiano Român Nederlands Latina Dansk Svenska Norsk Magyar Bahasa Indonesia Türkçe Suomi Latvian Lithuanian česk. October 25, 2023. Regardless, merchants must respond to the given reason code. It balances out the process and gives merchants the much-needed opportunity to influence the progression of a dispute before it becomes a fully-fledged chargeback. This means that it will require merchants to provide evidence supporting their claim that a transaction was authorized by the cardholder. Chargebacks are something every business wants to avoid, as they can. At this stage,. 4860: Credit not processed: Cardholder Disputes: 4870: Chip Liability Shift: No Cardholder Authorisation/ Fraud:. Visa Chargeback Reason Codes. Reason Code: Numeric: Code for the chargeback request (see below). 6. But research by Javelin found. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. For first chargebacks, Mastercard currently only has 9 reason codes in use,. Discover is a credit card network and an issuing bank—just like American Express. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Using the same link provided above, contact PayPal to report the scam. 2022 Visa Chargeback Reason Codes. Why did I receive this chargeback? Mastercard is in the process of updating chargeback management regulations. By entering your email, you agree to receive marketing emails from Shopify. . Your issuing bank will often give you a provisional credit for the disputed amount, and the dispute will progress from there. IPM Arbitration Chargeback Message Reason Code. Proper Use of Interregional Message Reason Code 4860. 00 EUR as a Withdrawal fee. If the order was genuinely not as described, then the cardholder has a case. Based on the information provided, Paymentology will investigate the transaction being disputed. S. Reason Code 81: Fraud. Expert Help. Chargeback Reason Codes Visa. MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. ”. Type. What is a chargeback. This code tells you why the customer or bank initiated the dispute. UA02 Fraud – Card Not Present Transaction. 4860. 4834. Try Shopify free for 3 days, no credit card required. . 4. Chargeback reason codes are set by the card networks and used by card issuers to categorize chargebacks. Replace 48XX with the valid chargeback message reason code. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. MasterCard time limits vary depending on the applicable reason code. Blog. 3. non_receipt: The buyer claims they didn't get the goods or services. Visa Chargeback Reason Codes. 4812 – Account Number Not On. 1: EMV Liability Shift: 10. Other Ineligible Transactions Under Reason Code 62, Condition 2 . If you leave this processing. The cardholder initiates contact with their bank or credit union to file a dispute. Because it’s so easy for customers to initiate a chargeback, retailers are bound to experience a request at. Every card brand has a unique set of chargeback reason codes banks must choose from. Card Number: Alphanumeric: The first 6 digits, followed by. Chargeback Reason Code 4860 is applied when issuing bank gets a notice from the card owner that the merchandise was returned, but merchant hasn’t refunded, or the credit hasn’t appeared on the bank statement. Following the prompts that pop up, inform PayPal of every detail, and include the screenshots of the conversations you had with the scammer. Either the chargeback must be processed within 120 calendar days of: the date on the credit documentation, or. Reason Code. So how does a merchant know which particular aspect of a transaction is to blame for the chargeback? When applicable, an additional message. 5. 10. 4808 – Authorization-Related Chargeback. During this process, the representative of the institution examines the reasons’ list. If you choose to fight the chargeback, Amazon Pay will charge you a $20 Disputed Chargeback Fee. Values are: Blank: Use the receipt G/L date. The major card networks have unique reason code systems, and banks use separate tools. 7: Defective goods and services: C32: RM: 13. On xx/xx/xxxx, we received a chargeback under the reason code 11. Any type of recurring billing scenario can lead to. The good news is that most of these invalid claims are disputable by the merchant. School Collège April-Fortier; Course Title BIO 101; Uploaded By ProfNewt2605. Pages 100+ Total views 100+ Collège April-Fortier. Reason Code Description; 10. 3 is the less common version for card-present transactions. 1=1010, 10. Here’s how your store can prevent and deal with chargebacks. the date the service was canceled, or. To avoid this, issuers can identify their chip cards using the Service Code field with a first byte value of 2 or 6. Step 3 – The acquiring bank receives the. 543 Proper Use of Interregional Message Reason Code 4880. These numeric codes vary via card brands, yet all hypothetically fill the same need: to provide explanation behind the chargeback dispute. R03 Insufficient Reply. Deferred Chargeback Raise: 128: Chargeback on Fraudulent Transaction: Fraud Chargeback Raise:Each chargeback received a numeric code which is known as the “reason code”. There will be no chargeback by proactively resolving the dispute directly with the customer before the. Jobs People LearningMerchant Fraud Journal in Boydton, VA Expand search. 4801. MasterCard’s Corporate Purchasing Department Account Program does not have rights for the following message reason codes: 4835 — Card Not Valid or Expired. Mastercard Chargeback Code Description; 4802: Requested/Required Information Illegible or Missing: 4807: Warning Bulletin File: 4808: Requested/Required Authorization Not Obtained:. Chargeback guide 4 may 2021 620 proper use for. Mastercard is in the process of updating chargeback management regulations. While creating the reason codes, the bank asks the customer about the reason for dispute and then assigns a code. Chargeback Guide - Free ebook download as PDF File (. processed the transaction correctly. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. Signifyd’s Revenue Protection solution offers fraud screening services to help merchant subscribers protect against fraudulent or unauthorized activity with respect to certain e-commerce transactions, as classified by the applicable card processor’s chargeback. Specify the invoice date and net due date to assign to chargebacks. Shopify Payments Chargeback Reason Code #5: Product Not Delivered. Try Shopify free for 3 days, no credit card required. 4860 – Credit Not Processed. It is subject to change and may not include every currently known dispute reason code. CHARGEBACK REASON CODES THE ENCYCLOPEDIA recover lost r e c o v eyour r yo u r l orevenue st revenue Table of. About Mastercard chargeback reason codes. They don’t always reflect the actual reason why a customer wants to dispute a transaction. Either the acquiring or issuing bank could initiate the. 16, 2021. The EMV standard was created specifically to prevent the use of counterfeit. EMV Liability Shift Counterfeit Fraud. Chargeback Guide 4 May 2021 620 Proper Use For Acquirers Second Presentment The from BIO 101 at Collège April-Fortier. M49 Vehicle Rental – Theft or Loss of Use. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. Each chargeback claim is given a reason code, which helps explain to merchants the reason for the dispute. Each MasterCard chargeback reason code has its own designated time limit within which it must be initiated. . Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. High Level Visa Chargeback Dispute Flow. Administrative returns (R02, R03, R04): 3%. 2. Each chargeback reason code has its own set of specific documentation requirements so merchants should familiarize. Issuers are currently allowed to use reason code 4860, however, this code will soon be eliminate. Since Chargebacks are time sensitive, card networks provide time limits on each reason code to help merchants manage time and data to submit their claims in a timely manner. 3 Fraud – Card-Present Environment. </sub> Detailed Chargebacks Reason Codes List for Mastercard. Every chargeback is filed with a reason code that identifies the given reason for the dispute. The ECI value tells you what to do next in a 3DS transaction — proceed, reject the purchase, or try again. If the cardholder’s bank accepts the dispute, they will reverse the transaction, taking the funds back from the merchant and returning them to the cardholder. Unauthorized returns (R05, R07, R10, R29, R51): 0. All 1. 0. These codes fit into four categories: (10) Fraud: For transactions where no EMV chip was used, stolen payment card credentials were used or transactions were flagged by the Visa Fraud Program. Transaction not finalised. . . 542 Issuer Listed in a Mastercard Announcement. pdf), Text File (. It’s typical to see fraud chargebacks roll in 2-3 months after the initial charges took place. 4860 Credit not processed; 4862 Counterfeit Transaction - Magnetic stripe POS fraud; 4863 Cardholder does not. Reason Code Number. ACH return codes are a type of shorthand for specific information concerning the return, much like the card decline codes or dispute reason codes used by credit card networks. The customer regrets their purchase. 04/04/16 Added American Express Chargeback and Retrieval Reason Codes. 4807 – Warning Bulletin File. A chargeback reason code is a two- or four-digit alphanumeric code issuing banks assign to disputes. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. Payment method The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just experienced with Travel Insurance Resolution. Poor order shipping: Not shipping goods or delivering services as promised, shipping to the wrong address, or not making the goods available. Through 2021, we analyzed chargeback reason codes across various subscription-based verticals. R13 No Reply. Cardholder-Activated Terminal (CAT) 3 Device. 4807 – Warning Bulletin File. Description: Reason code for applying handling fee. It is a chargeback that occurs when a cardholder disputes a transaction and alleges that the merchant failed to use EMV-compliant equipment to process the payment. Visa chargeback reason codes. Managing Reason Code 41 chargebacks. Inform your acquirer of the date that the credit was issued. For example, MasterCard classifies credit not processed as Reason Code 4860, while Visa has it as Reason Code 85. MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. Acquirer Reference Data (ARD) Does Not Match or is Invalid. Required Authorization Not Obtained. The implication is that the merchant is at fault. Log in Join. Braintree Support Articles. Most acquiring banks put a timeframe on when customers can initiate a chargeback for a purchase. The Reason Code is a number that represents the reason for an action in the chargeback process. Study Resources. These chargebacks occur to resolve chargeback-related disputes between network members. The terms may be different, but the process remains fairly unchanged. Reason codes are important to help merchants address recurring. 1 EMV Liability Shift 10. In fact, 91. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. Know these five rules to avoid payroll blunders triggering fines, penalties and IRS audits. 6). 4855 Non-receipt of merchandise. 4515 . Code Reason (for Visa) 10. See our Automated Clearing House (ACH) support article if you are looking for ACH Return Codes. Please see the below “cheat sheet” for the new 4 byte reason codes. The shorthand description is “Chip Liability Shift. Fortunately, all major credit card networks provide clear information regarding chargeback reason codes. Visa, MasterCard, and American Express all list compelling evidence by reason code. This chargeback reason code means that the cardholder was not able to recognize the charge on their bank statement and believes that the transaction was fraudulent. 4853 – Cardholder Dispute – Goods or Services Not Provided. . From there, the merchant can look up the code to figure out what the dispute is about. Example. Issuers are currently allowed to use reason code 4860,. pdf; of 571 /571. 4859 Service not rendered. This reason code is transitioning from the legacy code 4860. It gets worse. Reason code 4860 - Credit Not Processed Please provide the following: Provide a statement that you did not agree to credit cardholder, have not received merchandise back or a cancellation of services request, or that the cancellation policy was disclosed to the cardholder at point of interaction (provide policy), or proof that a credit was. Fraud (10)& Authorization (11)The chargeback process is lengthy, time-consuming, and will always end up costing you more money than the original transaction was worth. The Merchant Reviews the Partial Chargeback Claim. The assigned chargeback reason code outlines why a customer submitted the dispute. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. Time Limit. However, Visa is the largest card brand in both the United States and the world. Depending upon the class, a retailer will have a swift way to offer evidence supporting the claim. Although the stipulations on those set of reason codes are similar, sometimes, the information an issuer received from a consumer gets altered as it travels. The time limit for issuers to instigate a first chargeback are calculated based off the Central Site Business Date (the processing date of the first presentment) and are usually 60, 90, or 120 days in duration. . The following table lists the Visa chargeback reason codes and their descriptions. chargeback: The buyer filed a chargeback with the credit card issuer. 2021. Overall returns (all codes): 15%. Chargeback Reason Codes In 2016, Mastercard chargeback reason codes were condensed and consolidated, in a restructuring that resembled Visa Claims. 4807 – Warning Bulletin. Chargeback Reason Codes; 4801: Requested Transaction Information not Received: 4802: Requested/Required Information Illegible or Missing: 4803: Documentation Received Invalid/Incomplete:. Get your complete guide up Mastercard purpose key, including all and detailed information, chargeback time limits, additionally other important get you need. 1 chargeback: 1. The problem is, chargeback reason codes are often misleading. Reason codes are very crucial to assist. Here are some steps you can take to handle chargeback requests: 1. Visa reason code 53 is used for Chargeback for Defective/Not as Described, and reason code 85 is used for Credit Not Processed. Code 4837 chargebacks are most often caused by either a fraudster making a purchase with stolen payment credentials or a cardholder failing to recognize a legitimate charge. Visa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. 6? Chargeback reason code 13. . Used when: The merchant processed the transaction more than once, causing the cardholder to be debited twice for the same transaction or the cardholder paid for a transaction using one form of payment and was IPM Arbitration Chargeback Message Reason Code. Pursuant to the Fair Credit Billing Act of 1974, cardholders have the right to dispute unauthorized or erroneous charges, and issuing banks must reverse a disputed transaction if the cardholder’s claim. com. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. While the format of chargeback reason codes varies depending on the card network, all codes are. For example, Visa Chargeback reason code 83 is now VCR reason code 10. 11, 16 November 2015, Elimination. 4853 – Cardholder Dispute – Credit Not Processed. After the issuing bank’s unsuccessful attempt to identify the transaction for the cardholder, the chargeback process begins. The following is a full list of Chargeback Reason Codes for the card schemes that Zai supports. 120 calendar days after the service was cancelled or the goods were returned; 120 days after credit documentation is issued (day zero is the date published on the document, the date of the merchant’s letter, or the date the issuer received the letter)A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. Since Chargebacks are time sensitive, card networks provide time limits on each reason code to help merchants manage time and data to submit their claims in a timely manner. Some consumer disputes are legitimate complaints about an order that doesn’t go as planned. Issuers are currently allowed to use reason code 4860, however, this code will soon be eliminate. Also, remember that the time frame for your response includes any processing required by the acquirer. 4846 — Incorrect Currency Code. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. In other words: if you want to prevent forking over more revenue in the end due to chargeback fees, a simple, easy refund policy is the right way to go. While chargebacks happen for a variety of reasons , the most common reason is that a customer no longer wants the service or product sold to them. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important request i need. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. Credit card fraud is a big problem for eCommerce merchants, leading to many true. It can range from 60 to 120 days from the billing date. The transaction amount and authorization number (ARN. The second is friendly fraud, where a cardholder falsely claims a legitimate charge was unauthorized. Transaction Amount: Decimal 0. For perspective, the next highest. The sales receipt and/or date and amount of the authorization if other than the transaction date. This chargeback guide can be used as a sample guide when applying for credit card chargebacks. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the. 1A chargeback is a reversal of funds following a debit or credit card purchase, set in motion when the customer files a dispute over the charge with their bank or credit card provider. EN. There is a USD 25 limit for the First Chargeback (Reason Code 22). This may be done by either the merchant or the issuing bank. The Mastercard chargeback reason code had condensed down in 2016, like the processor that Visa just underwent with Visa Claims Resolution. This code is used when a cardholder claims that a fraudulent transaction occurred in a face-to-face environment, such as a retail store. Updated these Visa Chargeback Codes: 30, 62, 85. Ethoca alerts can prevent chargebacks before they hit your bank account. These codes are notoriously inaccurate; in fact, first-party fraud is predicated on reason codes being inaccurate. Technical. American Express chargeback reason code C42. . BIO. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. 2=1020 etc. Fraud-related Chargeback Counter Exceeds Threshold. These processing options activate the automatic write-off feature and enable you to establish write-off limits for both under- and overpayments. These may impact the dispute time limits. Reason Code. 4860 Credit not processed; 4862 Counterfeit Transaction - Magnetic stripe POS fraud; 4863 Cardholder does not. Chargeback Guide (PDF) - MasterCard. The merchant did not receive any returned merchandise. Removed Revolution Card section and retired reason codes. . This can be transaction receipts, proof of. Then they instruct the merchant’s acquiring bank to reverse the transaction and withdraw the funds from the merchant account. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. The cardholder claims their account was debited instead of credited. Chargeback message reason code 4853 is used to generate a cardholder dispute chargeback. 120 calendar days after the service was cancelled or the goods were returned; 120 days after credit documentation is issued (day zero is the date published on the document, the date of the merchant’s letter, or the date the issuer received the letter) A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. 4% of all transactions worldwide are made with EMV chip cards, which has led to a precipitous drop in card-present fraud. 543 Proper Use of Interregional Message Reason Code 4880. Explain the return policy to your customers, including any associated costs. This code applies when customers claim to have a receipt from either a voided transaction or a credit, but the transaction hasn’t been processed. What is Visa chargeback reason code 13. When filing a chargeback, the issuing bank chooses a reason code from the list for the applicable card network. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. Duplicate Processing - 81A chargeback is the reversal of a sale transaction that arises from a processing technicality, a customer dispute or fraudulent activity. eCommerce Travel Crypto Gaming SaaS Gambling Ticketing. However, it is important to note that this reason code is based on the reason given by the customer to their bank. A chargeback reason code is a 2-to-4-digit alphanumeric code chosen by the issuing bank from a predetermined list to reveal the reason the cardholder gave for requesting a chargeback. 4860 Credit Not Processed. 542 Interregional Message Reason Code 4880-Late Presentment. 4860: Credit Not Processed: Cancelled/Returned by Cardholder: NO: YES: MASTERCARD: 4862: Counterfeit Transaction Magnetic Stripe POS Fraud: Fraud: NO:. This chargeback reason code means that the cardholder was not able to recognize the charge on their bank statement and believes that the transaction was fraudulent. 45. Return fraud happens when consumers bring an item (or items) back to you to request a refund in the form of store credit or cash. It’s important to look up the code to understand why a transaction, good, or service was disputed in order to properly present a solid case to win the chargeback. The bank or credit union then conducts an investigation to ascertain the validity of the dispute. Here's a list of all the current Visa reason codes: Chargeback Code: Description: Fraud : 10. Which is meant to know the reason for the dispute. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. . 6 is an updated version of legacy reason code 85, which was phased out under the Visa Claims Resolution initiative. Reason Code 12. Get your finish guide on Mastercard reason codes, including all the detailed data, chargeback time limits, and other important information you need. Visa Reason Code 13. The most common chargeback reason codes are fraudulent charges, unauthorized transactions, and products not received, however, there are dozens of different chargeback reason codes for cardholders to choose from. Chargeback reason code 4853/Credit Not Processed applies to situations where customers claim they are owed a refund or other credit that has not appeared, but do not feel the issue being resolved by the. Here’s how reason codes make it easy for you to check the status of your disputes or chargebacks: Mastercard Chargeback Reason Codes Demystified. 0 to 5. Merchants. Card networks send these codes to merchants to indicate why a chargeback has been filed. Visa chargeback reason code 75 is filed as an honest mistake. 4860: Credit not Processed:. Region Only) 4855 Goods or Services Not Provided. The issuer must let at least 15 calendar days pass before initiating a dispute unless the. Chargebacks can be a costly part of accepting card payments and entail administrative. It’s important that you include a copy of your customer terms and conditions in order to prove that the customer knew what to expect from the outset. Chargeback Guide June 2020 - Free ebook download as PDF File (. Issued the credit but did.