CARDHOLDER AGREEMENT

IMPORTANT – PLEASE READ CAREFULLY

Terms and Conditions/Definitions for the Visa® Travel Card

This Cardholder Agreement (“Agreement”) outlines the terms and conditions under which the Visa Travel Card has been issued to you by The Bancorp Bank, Wilmington, Delaware (“The Bancorp Bank” or “Issuer”).  The Issuer is an FDIC insured member institution.  “Card” means the Visa Travel Card issued to you by The Bancorp Bank.  By accepting and using the Card, you agree to be bound by the terms and conditions contained in this Agreement.  “Card Account” means the records we maintain to account for the value of claims associated with the Card.  “You” and “your” mean the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement.  “We,” “us,” and “our” mean the Issuer, our successors, affiliates or assignees.  You acknowledge and agree that the value available in the Card Account is limited to the funds that you have loaded into the Card Account or have been loaded into the Card Account on your behalf.  You agree to sign the back of the Card immediately upon receipt.  The expiration date of the Card is identified on the front of your Card.  The Card is a prepaid card.  The Card is not connected in any way to any other account.  The Card is not a credit card.  The Card is not for resale.  You will not receive any interest on your funds in the Card Account.  The Card will remain the property of the Issuer and must be surrendered upon demand.  The Card is nontransferable and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law.  The Card is not designed for business use, and we may close your Card if we determine that it is being used for business purposes.  We may refuse to process any transaction that we believe may violate the terms of this Agreement. 

Our business days are Monday through Friday, excluding federal holidays, even if we are open.  Any references to “days” found in this Agreement are calendar days unless indicated otherwise. 

Write down your Card number and the customer service phone number provided in this Agreement on a separate piece of paper in case your Card is lost, stolen, or destroyed.  Keep the paper in a safe place.  Please read this Agreement carefully and keep it for future reference.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account.  What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see a copy of your driver’s license or other identifying documents. 

Activate The Card - You must activate the Card before it can be used.  You may activate the Card by calling 1-800-552-0974 and entering the default Personal Identification Number (“PIN”).  See the section below labeled “Personal Identification Number” for details.  

Personal Identification Number – You will be prompted to select a PIN during Card activation.  You will first be prompted to enter your default PIN which is the last four (4) digits of the home telephone number provided at the time of purchase.  After entering the default PIN, you will be asked to create a new four (4)-digit PIN.  You must select a new PIN prior to accessing your account online or at an ATM. 

 

You should not write on or keep the PIN with the Card. Never share the PIN with anyone.  When entering the PIN, be sure it cannot be observed by others and do not enter the PIN into any terminal that appears to be modified or suspicious.   If you believe that anyone has gained unauthorized access to the PIN, you should advise us immediately following the procedures in the paragraph labeled “Your Liability for Unauthorized Transfers.”

Authorized Card Users -You are responsible for all authorized transactions initiated and fees incurred by use of the Card.  If you permit another person to have access to the Card or Card number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons.  You are wholly responsible for the use of each Card according to the terms and conditions of this Agreement.

Secondary Cardholder –You may not request an additional Card for another person.

Your Representations and Warranties-By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that:  (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States (“U.S.”) or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.

Cash Access - With the PIN, you may use the Card to obtain cash from any Automated Teller Machine (“ATM”) or any Point-of-Sale (“POS”) device, as permissible by a merchant, that bears the Visa®, Interlink®, or NYCE® Acceptance Mark.  All ATM transactions are treated as cash withdrawal transactions.  You may use the Card at an ATM and withdraw funds from a participating bank (Over the Counter Cash Advance).  Any funds withdrawn from a POS device will be subject to the maximum amount that can be spent on the Card per day.  These are our limits associated with withdrawing cash from the Card.

 

Transaction Type

Frequency and/or Dollar Limits*

Cash Withdrawal (ATM)

2 times per day, $500 per transaction, up to $500 per day

Cash Withdrawal (Over the Counter Cash Advance)

10 times per day, $5,000 per transaction, up to $5,000 per day

 

*ATM owner-operators and participating banks may impose their own lower limits on cash withdrawals.

Loading The Card - You may add funds to the Card Account at any time. The initial load must be completed at a participating bank location (“Agent Bank”).  You may reload the Card via GreenDot®, MoneyGram®, Visa ReadyLink, with an external account you own through at www.ppdmoney.com and at a participating Agent Bank.  Access to funds are immediate after a GreenDot MoneyPak load, and same day, after a MoneyGram, Visa ReadyLink or Agent Bank location reload.  Funds from transfers from an external account you own will be available immediately once posted to the Card Account. Personal checks, cashier’s checks, and money orders sent to the Issuer are not an acceptable form of loading.  At our discretion, we may allow a load payment in excess of the limits disclosed below, including the maximum value limit, to post to the Card Account.  However, if such a load payment is permitted to post to the Card Account on one occasion, there is not guarantee that any load(s), in any form, in excess of the disclosed limit will be permitted in the future.  All checks and money orders sent to the Issuer for Card loading will be returned unless the full amount may be applied towards a negative balance, in which case the check or money order may or may not be loaded to the Card at the discretion of the Issuer.

The maximum value of the Card is restricted to $5,000.00.  These are the limits associated with loading the Card:

 

Transaction Type

Frequency and/or Dollar Limits

GreenDot MoneyPak

Unlimited times per day, $20.00 - $5,000.00 per day

MoneyGram

Unlimited times per day, $10.00 - $5,000.00 per day

Visa ReadyLink

Unlimited times per day, $10.00 - $5,000.00 per day

Agent Bank

Unlimited times per day, $100.00 - $5,000.00 per day

Account to Card Transfer

Unlimited times per day; $10.00 - $5,000.00 per day

 

Preauthorized Transfers - The Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers (“Merchants”).  If presented for payment, preauthorized direct debits will be declined and payment to the Merchant or provider will not be made. 

  

Using The Card/Features –The maximum value of the Card is restricted to $5,000.00.  These are the maximum amounts that can be spent:

 

Transaction Type

Frequency and/or Dollar Limits

Card Purchases (Signature)

Unlimited times per day, $5,000 per transaction, up to $5,000 per day

Card Purchases (POS)

Unlimited times per day, $5,000 per transaction, up to $5,000 per day

 

You may use the Card to purchase or lease goods or services everywhere Visa debit cards, Interlink cards or NYCE cards are accepted as long as you do not exceed the value available on the Card Account and other restrictions (see examples described below) do not apply.  Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender.  If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card Account to the Card.  You must then arrange to pay the difference using another payment method.  Some merchants may require payment for the remaining balance in cash.  If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Card, the Card is likely to be declined.

If you use the Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 or more.  If the Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier.  If you use the Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred.  A preauthorization will place a “hold” on the available funds until the merchant sends us the final payment amount of your purchase.  Once the final payment amount is received, the preauthorization amount on hold will be removed.  It may take up to seven (7) days for the hold to be removed.  During the hold period, you will not have access to the preauthorized amount.

You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card.  If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days.  All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days.

 

If you use the Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself.  Card Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may, with or without prior notice, limit the type, amount, or number of transactions you can make on your Card.  You may not use the Card for online gambling or any illegal transaction.  We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Card cannot be redeemed for cash. 

 

Each time you use the Card, you authorize us to reduce the value available in the Card Account by the amount of the transaction and any applicable fees.  You are not allowed to exceed the available amount in the Card Account through an individual transaction or a series of transactions.  Nevertheless, if a transaction exceeds the available balance of the funds on the Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable.

Non-Visa Debit Transactions - Procedures are in effect that may impact you when you use the Card at certain merchant locations.  In the past, transactions have been processed as Visa debit transactions unless you entered a PIN.  Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a NYCE transaction.  Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option.  Please be advised that should you choose to use the NYCE network when making a transaction without a PIN, different terms may apply.  Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the NYCE network.  Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions.

To initiate a Visa debit transaction at the POS, swipe the Card through a POS terminal, sign the receipt, or provide the 16-digit Card number for a mail order, telephone, or Internet purchase.  To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Card number after clearly indicating a preference to route your transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Returns and Refunds - If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to the Card for such refunds and agree to the refund policy of that merchant.  The Issuer is not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Card.  All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided.

Card Replacement - If you need to replace the Card for any reason, you may obtain an immediate replacement by returning to the Agent Bank location where you purchased The Card.  You also have the option to call 1-800-552-0974 to request a replacement Card be mailed to you.  You will be required to provide personal information which may include your 16-digit Card number, full name, transaction history, copies of accepted identification, etc.  There is a fee for replacing the Card.  For information about the fee, see the section labeled “Fee Schedule”. 

Card Expiration - The Card will expire no sooner than the date printed on the front of it.  The funds on the Card do not expire.  You will not be able to use your Card after the expiration date; however, you may request a replacement Card at no cost to you by following the procedures in the section labeled “Card Replacement.”  If you need a replacement Card for any reason other than the Card’s expiration, you may request one at any time, however there is a Replacement Card Fee. For information about the fee, see the section labeled “Fee Schedule.”

Transactions Made In Foreign Currencies - If you obtain your funds or make a purchase in a currency other than the currency in which the Card was issued, the amount deducted from the available balance of the Card Account will be converted by Visa into an amount in the currency of the Card.  The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. If you obtain your funds or make a purchase in a currency other than the currency in which the Card was issued, the Issuer may assess a foreign currency conversion fee of 1% of the transaction amount and will retain this amount as compensation for its services.  Transactions made outside of the fifty (50) U.S. states and the District of Columbia are also subject to this conversion fee even if they are completed in U.S. currency.    

Receipts - You should get a receipt at the time you make a transaction using the Card.  You agree to retain, verify, and reconcile your transactions and receipts. 

Card Account Balance/Transaction History – You are responsible for keeping track of the available balance of the Card Account.  Merchants generally will not be able to determine your available balance.  It’s important to know your available balance before making any transaction.  You may obtain information about the amount of money you have remaining in the Card Account by calling 1-800-552-0974. This information, along with a sixty (60) day history of Card Account transactions, is also available online at www.PpdMoney.com.  You also have a right to obtain a sixty (60) day written history of Card Account transactions by calling 1-800-552-0974 or by writing us at Cardholder Services, PO Box 5017; Sioux Falls, SD 57117-5017.  However, there is a fee for this service.  For information about the fee, see the section labeled “Fee Schedule”.  You will not automatically receive paper statements. 

 

Fee Schedule - All fee amounts will be withdrawn from the Card Account and will be assessed as long as there is a remaining balance on the Card Account, except where prohibited by law.  Any time the remaining Card Account balance is less than the fee amount being assessed, the balance of the Card Account will be applied to the fee amount resulting in a zero balance on the Card Account.

Service Fee:

(SVC CHG-INACTIVITY)

$2.00

Per month beginning on the 3rd month from the date of the last debit or credit to affect the balance, excluding fees

ATM Cash Withdrawal Fee:

(SVC CHG ATM WITHDRAWAL)

$2.00

Per transaction*

ATM Cash Withdrawal Fee:

(SVC CHG ATM WITHDRAWAL INTERNATIONAL)

$2.00

Per transaction*

ATM Balance Inquiry Fee:

(SVC CHG BALANCE INQ)

$0.50

Per inquiry - No charge to check balances via www.ppdmoney.com*

Cash Load Fee:

SVC CHG ADD FUNDS POS

$1.00

Per occurrence**

Value Load (Branch location) Fee:

(SVC CHG ADD FUNDS)

$1.00

Per occurrence***

Voice Response Unit (VRU) Inquiry Fee:

(SVC CHG VRU BAL INQ)

$0.50

Per call, first four (4) calls waived each month

Customer Service Live Agent Fee:

(SVC CHG VRU OPT OUT)

$2.00

Per call, first (1) call waived each month

Over the Counter Cash Advance Fee:

(SVC CHG CASH ADV)

$5.00

Per transaction

Paper Statement Fee:

(STATEMENT FEE)

$2.00

Per mailed statement

Card Account Liquidation Fee:

(DR ADJ OTHER)

$20.00

If a check is issued for funds on the Card Account

Replacement Card Fee:

(SVC CHG REPLACE CARD)

$15.00

Per Card; when Card is replaced for any reason****

Reissued Card Fee

(SVC CHG REISSUE CARD)

$15.00

Per Card; when Card is reissued for any reason****

Foreign Currency Conversion Fee:

(SVC CHG INTRNTL TRAN)

 

1.0%

 

Of transaction amount per transaction

*If you use an ATM not owned by us for any transaction, including a balance inquiry, you may be charged a fee by the ATM operator even if you do not complete a withdrawal.  This ATM fee is a third-party fee amount assessed by the individual ATM operator only and is not assessed by us.  This ATM fee amount will be charged to the Card.

**Reloads via a Retail reload network are subject to additional fees collected by the merchant.

***Reloads at a branch are subject to additional fees that may be charged by the branch location.

****Card replacement or reissuance requested at a branch is subject to additional fees up to $5.00 that may be charged by the branch location.

 

Confidentiality-We may disclose information to third parties about the Card or the transactions you make:

(1)     Where it is necessary for completing transactions;

(2)     In order to verify the existence and condition of the Card for a third party, such as merchant;

(3)     In order to comply with government agency, court order, or other legal or administrative reporting requirements;

(4)     If you consent by giving us your written permission;

(5)     To our employees, auditors, affiliates, service providers, or attorneys as needed; or

(6)     Otherwise as necessary to fulfill our obligations under this Agreement.

Our Liability for Failure To Complete Transactions-If we do not properly complete a transaction from the Card on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages.  However, there are some exceptions.  We will not be liable, for instance:

(1)     If through no fault of ours, you do not have enough funds available on the Card to complete the transaction;

(2)     If a merchant refuses to accept the Card;

(3)     If an ATM where you are making a cash withdrawal does not have enough cash;

(4)     If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;

(5)     If access to the Card has been blocked after you reported the Card lost or stolen;

(6)     If there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use;

(7)     If we have reason to believe the requested transaction is unauthorized;

(8)     If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or

(9)     Any other exception stated in our Agreement with you.

Your Liability for Unauthorized Transfers -Contact us at once if you believe the Card has been lost or stolen.  Telephoning is the best way to minimize your possible losses.  If you believe the Card has been lost or stolen, or that someone has transferred or may transfer money from the Card Account without your permission, call us at 1-800-552-0974.  Under Visa Core Rules, your liability for unauthorized Visa debit transactions on the Card Account is $0.00 if you are not grossly negligent or fraudulent in the handling of the Card.  This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us.   If the Card has been lost or stolen, we will close the Card Account to keep losses down.

Other Miscellaneous Terms -The Card and your obligations under this Agreement may not be assigned.  We may transfer our rights under this Agreement.  Use of the Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions.  We do not waive our rights by delaying or failing to exercise them at any time.  If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected.  This Agreement will be governed by the law of the State of Delaware except to the extent governed by federal law.

Amendment and Cancellation - We may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement on our website at www.ppdmoney.com, and any such amendment shall be effective upon such posting to that website.  The current Agreement is available at www.ppdmoney.com.  You will be notified of any change in the manner provided by applicable law prior to the effective date of the change.  However, if the change is made for security purposes, we can implement such change without prior notice.  We may cancel or suspend the Card or this Agreement at any time.  You may cancel this Agreement by returning the Card to us.  Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.  

In the event that the Card Account is cancelled, closed, or terminated for any reason, you may request the unused balance to be refunded to you.  For security purposes, you may be required to supply identification and address verification documentation prior to being issued a refund.  There is a fee for this a refund.  Please refer to the Fee Schedule above.  In the event this Card Program is cancelled, closed or terminated, we will send you prior notice in accordance with applicable law.  The notice will contain specific information and instructions, including how and when you may receive a refund of any remaining Card Account balance.  The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. The timeframe for processing and delivery of any refund depends on the method you select to receive it.  Refund delivery methods may include, but not be limited to, mailing a paper check to you (allow 7-10 business days for processing and delivery) and the option to receive an electronic check by email (requiring you to print a paper check).

Information About Your Right to Dispute Transactions 

In case of a discrepancy or questions about Card Account transaction(s), call 1-800-552-0974 or write to Cardholder Services, PO Box 5017; Sioux Falls, SD 57117-5017 as soon as you can.  You must contact us no later than sixty (60) calendar days after we posted the transaction(s) to the Card Account. You may request a written transaction history at any time by calling 1-800-552-0974 or writing Cardholder Services, PO Box 5017; Sioux Falls, SD 57117-5017.  You will need to tell us: 

1.  Your name and 16-digit Card Account number

2.  A description of the transaction(s) including the date and dollar amount.

3.  Why you believe there is a discrepancy.

If you provide this information orally, we may require that you send the details listed above in writing within sixty (60) calendar days after we posted the transaction(s) you are questioning. You agree to cooperate fully with our investigation and to provide any additional information or documentation we may need for the claim.

Once we have the required details, information, and/or documents, we will determine whether a discrepancy occurred.  If we ask you to put details in writing and you do not provide them within sixty (60) calendar days of the date we posted the transaction(s) you are questioning, we may not be able to resolve the claim in your favor. 

 

We will tell you the results in writing after completing our investigation. If we determine a discrepancy occurred, we will correct the discrepancy promptly and credit the Card Account.   If we decide there was no discrepancy, we will send you a written explanation.

English Language Controls - Any translation of this Agreement is provided for your convenience. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English.

Customer Service-For customer service or additional information regarding your Card, please contact us at:

Visa Travel Card, Cardholder Services, PO Box 5017; Sioux Falls, SD 57117-5017, 1-800-552-0974   

Customer Service agents are available to answer your calls twenty-four (24) hours a day, seven (7) days a week.

Telephone Monitoring/Recording - From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.

No Warranty Regarding Goods or Services as Applicable - We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with the Card.

Arbitration

Any claim, dispute, or controversy (“Claim”) arising out of or relating in any way to: i) this Agreement; ii) the Card; iii) the Cards of any additional cardholders designated by you; iv) your acquisition of the Card; v) your use of the Card; vi) the amount of available funds in the Card Account; vii) advertisements, promotions or oral or written statements related to the Card, as well as goods or services purchased with the Card; viii) the benefits and services related to the Card; or ix) transactions on the Card, no matter how described, pleaded or styled, shall be FINALLY and EXCLUSIVELY resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules.  This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act (9 U.S.C. 1-16).

We will pay the initial filing fee to commence arbitration and any arbitration hearing that you attend shall take place in the federal judicial district of your residence.

ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING.  NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT.   IN ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO A JURY TRIAL OR TO ENGAGE IN DISCOVERY, EXCEPT AS PROVIDED FOR IN THE AAA CODE OF PROCEDURE. 

For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: AAA, at 335 Madison Avenue, New York, NY  10017 or at www.adr.org. 

All determinations as to the scope, interpretation, enforceability and validity of this Agreement shall be made final exclusively by the arbitrator, which award shall be binding and final.  Judgment on the arbitration award may be entered in any court having jurisdiction. 

NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION OR PRIVATE ATTORNEY GENERAL ACTION OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON OR CLASS OF CLAIMANTS SHALL BE ALLOWABLE.

This arbitration provision shall survive: i) the termination of the Agreement; ii) the bankruptcy of any party; iii) any transfer, sale or assignment of the Card, or any amounts owed on the Card, to any other person or entity; or iv) expiration of the Card.  If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall remain in force. 

IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD.  SAVE YOUR RECEIPT AND CALL US AT 1-800-552-0974 TO CANCEL THE CARD AND TO REQUEST A REFUND, IF APPLICABLE.

 

This Cardholder Agreement is effective 10/2017