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The document is a Merchant Agreement between BankMuscat and a Merchant for Internet Card Acquiring Services. It outlines the terms and conditions under which the Merchant can accept card payments for products sold online, including responsibilities regarding chargebacks, fees, compliance with rules set by card associations, and the establishment of a Reserve Account to cover potential liabilities. The agreement also details the process for transaction authorization, record-keeping, and the obligations of both parties in case of disputes or defaults.

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