Common use of Loading Your Card Clause in Contracts

Loading Your Card. Funds can be loaded at any time after the card is successfully activated. Value can be added by requesting funds from your Employer via the Instant Mobile Application. Your employer will be the sole means of adding funds to your Card and your Employer will report all wages and contributions as required by law and you will receive the appropriate notification, for the purposes of tax reporting, from your Employer. We bear no responsibility, whatsoever, for any such reporting or tax liabilities by your Employer. Employer Loads Payroll loads are available on your card on paydays, when approved by your employer. We have no obligation to you in the event that your employer delays in providing, or fails to provide funds to load your card. Additional Card Features We may offer additional products, features and services to you in connection with your Card, such as SMS text message and e-mail alerts, mobile account services, xxxx payment services, a loyalty program, and a savings account. Additional terms and conditions may apply. Call 0-000-000-0000 or log on to xxx.xxxxxxx.xx for additional information and applicable terms and conditions. Using Your Card The maximum amount that can be spent on your Card per day is $2,500.00. The maximum amount that can be spent on your Card per month is $10,000.00. The maximum value of your Card is restricted to $10,000.00. You may use your Card to purchase or lease goods or services anywhere Visa® debit cards or PULSE® cards are accepted as long as you do not exceed the value available on your Card Account. 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 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 your Card, your Card is likely to be declined. At the time of each purchase using the Card, you may be asked to sign a receipt for the transaction. The dollar amount of the purchase will be deducted from the value associated with the Card. If you use your Card at an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $75.00 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a “hold” on your 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. If you use your Card number without presenting your 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. Your Card cannot be redeemed for cash except where required by law. You may not use your Card for online gambling, any illegal transaction or for car rental transactions. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable law. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. We may deduct any amount that you owe us from any current or future funds associated with this or any other Card you activate or maintain. For security reasons, we may limit the number or amount of transactions you can make with the Card. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account using your Card Account’s direct deposit account number. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days or more.

Loading Your Card. Funds can be loaded at any time after the card is successfully activated. Value can be added by requesting funds from your Employer via the Instant Mobile Application. Your employer will be the sole means of adding LA Metro Visa Prepaid may add funds to your Card and your Employer will report all wages and contributions as required by law and you will receive the appropriate notification, for the purposes of tax reporting, from your Employer. We bear no responsibility, whatsoever, for any such reporting or tax liabilities by your Employer. Employer Loads Payroll loads are available on your card on paydays, when approved by your employer. We have no obligation to you in the event that your employer delays in providing, or fails to provide funds to load your card. Additional Card Features We may offer additional products, features and services to you in connection with your Card, such as SMS text message and e-mail alerts, mobile account services, xxxx payment services, a loyalty program, and a savings accountcalled “loading,” at any time. Additional terms and conditions may applyThe minimum load is $10.00. Call 0-000-000-0000 or log on to xxx.xxxxxxx.xx for additional information and applicable terms and conditions. Using Your Card The maximum load amount that can be spent on your Card per day is $2,500.00. The maximum amount of value that can be spent on your Card per month is $10,000.00. The maximum value of your Card is restricted to $10,000.00. You may use your Card to purchase or lease goods or services anywhere Visa® debit cards or PULSE® cards are accepted as long as you do not exceed the value available on your Card Account. 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 reside on the Card at any time is $7,500.00. PIN: A PIN is a four-digit code that may be used to the Card. You must then arrange to pay the difference using another payment methodmake purchase transactions instead of signing for your transaction. Some merchants may require payment you to make purchases using a PIN rather than your signature. A PIN was provided to you at the time you activated your Card. Only one (1) PIN will be issued for the remaining balance in cashyour Card. If To prevent unauthorized access to your Card balance, you fail agree to inform the merchant keep your PIN confidential. We recommend that you would like to complete a split transaction prior to swiping memorize your CardPIN and do not write it down. To obtain your PIN (if required), or if you have forgotten your Card is likely to be declinedPIN, visit xxxxxxx.xxxxxxx.xxx, select PIN request and submit request. At the time of each purchase using the Card, you may be asked to sign a receipt for the transactionMerchant Authorization Holds. The dollar amount of the purchase will be deducted from the value associated with the Card. If When you use your Card at an automated fuel dispenser to pay for goods or services, certain merchants (“pay at the pump”), the merchant such as car rental locations) may preauthorize ask us to authorize the transaction amount in advance and may estimate its final value up to $75.00 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to twenty (20% %) or more to ensure there are sufficient funds available to cover tips any tip, gratuity or incidental expenses incurred. Any preauthorization amount will place a “hold” on your available funds until incidentals that may accompany the merchant sends us the final payment amount of your purchase. Once If this occurs and your total bill, after adding in the final payment additional 20% (or more), exceeds the amount is receivedavailable on the Card, the preauthorization amount on hold will your transactions may be removeddeclined. It may take up to seven (7) days for the hold to be removed. During the hold periodAccordingly, you will not have access to the preauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used should ensure that the Card itself. Your has an available balance that is 20% (or more) greater than your total bill prior to using the Card cannot be redeemed for cash except where required by lawthese types of purchases. You may not use your Card for online gamblingat any merchant other than what is disclosed in the Transaction Restrictions section above. When we preauthorize a transaction, any illegal transaction or for car rental transactions. We may refuse we commit to process any Card transaction that we believe may violate make the terms of this Agreement or applicable law. Each time you use your Card, you authorize us to reduce the value requested funds available in your Card Account by the amount of when the transaction finally settles and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or may place a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available temporary hold on your Card, you shall remain fully liable to us ’s funds for the amount of indicated by the merchant (which may be more than the final settled transaction and any applicable feesamount). We also may deduct any add an amount for certain merchants to ensure that you owe us from any current sufficient funds will be available to cover the final transaction. Transactions at certain merchants that authorize high dollar amounts, such as rental car companies, may cause an “authorization” or future funds associated with this or any other Card you activate or maintain. For security reasons, we may limit the number or amount of transactions you can make with the Card. You do not have the right to stop payment “hold” on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account using your Card Account’s direct deposit account number. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds available balance for up to thirty (30) days days. Until the transaction finally settles or morewe determine that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. We will only charge your Card for the correct amount of the final transaction, however, and will release the hold on any excess amount when the transaction finally settles.

Loading Your Card. Funds can be loaded at any time after the card is successfully activated. Value can be added by requesting funds from your Employer via the Instant Mobile Application. Your employer will be the sole means of adding You may not load additional funds to your Card and Card, called “value loading.” Only your Employer will report all wages and contributions as required by law and you will receive the appropriate notification, for the purposes of tax reporting, from your Employer. We bear no responsibility, whatsoever, for any such reporting or tax liabilities by your Employer. Employer Loads Payroll loads are available on your card on paydays, when approved by your employer. We have no obligation to you in the event that your employer delays in providing, or fails to provide ‘Program Sponsor” may load additional funds to load your card. Additional Card Features We may offer additional products, features and services to you in connection with your Card, such as SMS text message and e-mail alerts, mobile account services, xxxx payment services, a loyalty program, and a savings account. Additional terms and conditions may apply. Call 0-000-000-0000 or log on to xxx.xxxxxxx.xx for additional information and applicable terms and conditions. Using Your Card The maximum minimum amount that can be spent on your Card per day of the initial value load is $2,500.001.00. The maximum amount that can be spent on your Card per month of the initial value load is $10,000.007,500.00. The minimum amount of each value reload is $1.00. The maximum amount of each value reload is $7,500.00. You will have access to your funds within twenty-four (24) hours of receiving the Card loading file from your Card is restricted to $10,000.00Program Sponsor. You may use your Card to purchase or lease goods or services anywhere Visa® debit cards or PULSE® wherever Visa prepaid cards are accepted as long as you do not exceed the value available on your Card Account. Some merchants do not allow cardholders to conduct split transactions where whereby you would use the Card as partial payment for goods and services and pay paying 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 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 your Card, your Card is likely to be declined. At the time of each purchase using the Card, you may be asked to sign a receipt for the transaction. The dollar amount of the purchase will be deducted from the value associated with the Card. If you use your Card at an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $75.00 or more125.00. If your Card is declined, even though you have sufficient funds available, pay for your fuel purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more 20 to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a “hold” on your 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. If you use your Card number without presenting your 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. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash except where required by lawcash. You may not use your Card for online gambling, any illegal transaction or for car rental transactions. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable lawtransaction. Each time you use your Card, you authorize us to reduce the value available in on your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in on your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. We may deduct any amount that you owe us from any current or future funds associated with this or any other Card you activate or maintain. For security reasons, we may limit the number or amount of transactions you can make with the Card. You do not have the right to stop payment on any purchase or payment transaction originated by the use of your Card. You may not make preauthorized regular payments from your Card Account using your Card Account’s direct deposit account number. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days or moredays. All transactions relating to car rentals may result in a hold for that amount of funds for up to ninety (90) days.

Loading Your Card. Funds You may add funds to your Card, called "value loading", at any time. Value will be "loaded" or added to the Card after it has been activated and the authenticity of the Card and/or "load" instruction has been verified. You can be loaded add ("reload") additional value to your Card in any of the following ways: (a) making a payment at your local Align Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer; or (c) visiting XxxxxXX.xxx or calling (000) 000-0000 to initiate an ACH funds transfer from your designated funding account. A load or reload fee may apply for each load or reload. The minimum amount of the initial load and each reload transaction load is $50.00. The maximum amount of the initial cash load and each cash reload is $5000 per transaction, with a total cumulative cash load/reload limit of $5000 per day. The maximum amount of value that can reside on the Card at any time after is $5000. The number of loads on a Non-Personalized Card is limited to four (4) including the card is successfully activatedinitial load. Value can be added by requesting funds from your Employer via the Instant Mobile Application. Your employer will be the sole means of adding funds to your Card and your Employer will report all wages and contributions as required by law and you will receive the appropriate notification, for the purposes of tax reporting, from your EmployerPersonalized Cards have unlimited reload capabilities. We bear no responsibility, whatsoever, for any such reporting may increase or tax liabilities by your Employer. Employer Loads Payroll loads are available on your card on paydays, when approved by your employerdecrease these limits from time to time in our sole discretion without prior notice to you. We have no obligation will limit the number of Cards provided to you in you. We reserve the event that your employer delays in providing, right to accept or fails to provide funds reject any request to load your cardor reload value to the Card at our sole discretion. Additional With the exception of reloads performed through direct deposit, the Card Features We may offer additional products, features and services to you in connection with your Card, such as SMS text message and e-mail alerts, mobile account services, xxxx payment services, a loyalty program, and a savings accountonly be reloaded by the Cardholder. Additional terms and conditions may apply. Call 0-000-000-0000 or log on to xxx.xxxxxxx.xx for additional information and applicable terms and conditionsAN UNAUTHORIZED USER MAY NOT RELOAD FUNDS TO THE CARD. Using Your Card Card/Features The maximum amount that can be spent on your Card per day is $2,500.00. The maximum amount that can be spent limited to the balance on your Card per month is $10,000.00card. The maximum value of your Card is restricted to $10,000.005000. You may use your Card to purchase or lease goods or services anywhere Visa® debit cards or PULSE® wherever, in most instances, Visa Debit cards are accepted as long as you do not exceed the value available on your Card Account. 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 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 your Card, your Card is likely to be declined. At the time of each purchase using the Card, you may be asked to sign a receipt for the transaction. The dollar amount of the purchase will be deducted from the value associated with the Card. If you use your Card at an automated fuel dispenser (“"pay at the pump”"), the merchant may preauthorize the transaction amount up to $75.00 100 or more, even if the purchase amount is less than $100. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any A preauthorization amount will place a “"hold” " on your 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 three (73) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. Depending on your remaining balance, the preauthorization could cause another subsequent purchase to be declined. To avoid a declined purchase, or a hold greater than the actual purchase amount, pay for your gas inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash except where required by lawcash. You may will not use your Card for online gambling, gambling or any illegal transaction or for car rental transactions. We may refuse to process any Card transaction that we believe may violate the terms of this Agreement or applicable lawtransaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. We may deduct any amount that Except for Recurring Transactions (defined below), you owe us from any current or future funds associated with this or any other Card you activate or maintain. For security reasons, we may limit the number or amount of transactions you can make with the Card. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account using your Card Account’s direct deposit account number. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling (000) 000-0000 or writing to us at Cardholder Services P.O. Box 7235 Sioux Falls, SD 57117-7235. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen (14) days of your call. You must give us notice by any of these methods in time for us to receive your request three (3) business days or moremore before the payment is scheduled to be made.