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9.4.2.2 Retail Network Provider. Per terms of the agreement with the Retail Network <br /> provider agreement, the retail providers shall be the merchant of record, <br /> including bearing responsibility for credit/debit card fees and any other fees <br /> and the risk of fraud, dishonored checks for insufficient funds and other <br /> payment reversals and failures, including chargebacks, for transactions <br /> occurring on its premises. <br /> 28 <br />