Common use of Ownership and Use of the Card Clause in Contracts

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Before using the Card You must activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Remember to sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “Data Protection and Privacy”. If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this Card. The minimum value that can be prepaid is $10.00.

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Before using the Card You The Affinity Plus Non Personalized and Personalized Prepaid Card must be activated before use. To activate the Personalized Card by calling the number indicated on the sticker on the front of this card and obtain PIN, please register your Card, card at xxx.xxxxxxxxxxxx.xxx or signing on to our secure websitecall (000) 000-0000. A PIN will be assigned after activation. Remember to sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “"Data Protection and Privacy”". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Prepaid Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number Social Security Number and a member of Affinity Plus to purchase this Card. The minimum value that can be prepaid is $10.0020.00.

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Our Visa Prepaid Card can be purchased by anyone that has a valid debit or credit card registered in his or her name. The individual purchasing the card is defined as the primary cardholder. The address listed for the primary cardholder must match the billing address for the debit/credit card used to purchase the International Prepaid Card. Personalized primary cardholders can order online up to four (4) personalized secondary cards for family members or companions. When purchasing a secondary card for a young person with no card experience, be sure to go over all of the materials that accompany the card. Before using the Card You must activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Remember to sign the reverse back of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortageshortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “Data Protection and "Privacy”". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. For security reasons, some countries may be blocked from access. If you are traveling out of the country, contact us before leaving to inquire about which countries and how to enable usage. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Prepaid Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this the Card. The minimum value that can be prepaid is $10.0050.00.

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Before using the Card You The Affinity Plus Student Card must activate the Personalized Card by calling the number indicated on the sticker on the front of be activated before use. To Activate this card and obtain PIN please register your Card, card at xxx.xxxxxxxxxxxx.xxx or signing on to our secure websitecall (000) 000-0000. A PIN will be assigned after activation. Remember to sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number Social Security Number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “"Data Protection and Privacy”". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Student Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number Social Security Number and a member of Affinity Plus to purchase this Card. The minimum value that can be prepaid is $10.0020.00.

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Before using the Card You must activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Non Personalized Cards are activated upon load, however it is recommended that you register your card by signing on to our secure website. Remember to sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortageshortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “"Data Protection and Privacy”". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Prepaid Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this the Card. The minimum value that can be prepaid (loaded) is $10.0020.00.

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Before using the Card You must must: (i) activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Remember to ; and (ii) sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “"Data Protection and Privacy”". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship General Purpose Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this the Card. The minimum value that can be prepaid is $10.0050.

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Our Visa Prepaid Card can be purchased by anyone that has a valid debit or credit card registered in his or her name. The individual purchasing the card is defined as the primary cardholder. The address listed for the primary cardholder must match the billing address for the debit/credit card used to purchase the International Prepaid Card. Personalized primary cardholders can order online up to 4 personalized secondary cards for family members or companions. When purchasing a secondary card for a young person with no card experience, be sure to go over all of the materials that accompany the card. Before using the Card You must activate the Personalized Card by signing into our website and choosing the option for Activate Card or by calling the Customer Service number indicated on (000) 000-0000. A PIN will be assigned after the sticker on the front of your Card, or signing on to our secure websiteCard is activated. . Remember to sign the reverse back of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortageshortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “Data Protection and "Privacy”". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. For security reasons, some countries may be blocked from access. If you are traveling out of the country, contact us before leaving to inquire about which countries and how to enable usage. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Prepaid Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this the Card. The minimum value that can be prepaid is $10.00.20.00

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Before using the Card You must activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Non Personalized Cards are activated upon load, however it is recommended that you register your card by signing on to our secure website. Remember to sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “Data Protection and Privacy”. If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Prepaid Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this the Card. The minimum value that can be prepaid is $10.0025.00.

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Before using the Card You must activate the Personalized Card by signing onto our secure website or calling the number indicated on the sticker on the front back of your Card, or signing on to our secure website. A PIN will be assigned after your card is activated. Remember to sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “"Data Protection and Privacy”". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this Card. The minimum value that can be prepaid is $10.00.

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Before using the Card You must activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Non Personalized Cards are activated upon load, however it is recommended that you register your card by signing on to our secure website. Remember to sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “"Data Protection and Privacy”". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Prepaid Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this Card. The minimum value that can be prepaid is $10.00.

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Before using the Card You must must: (i) activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Remember to ; and (ii) sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “"Data Protection and Privacy”". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship General Purpose Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this the Card. The minimum value that can be prepaid is $10.0050. Using Your Card The VISA General Purpose Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by First South Financial Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your Card at merchants who accept VISA debit cards worldwide. The maximum value credited to the General Purpose Card on issue is limited to $5000, and no more than $5000 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.xxxxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person who purchases the Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request two additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $50 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. If your account is a personalized account, is in good standing, and has greater than a $9.95 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following: If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Note: Activity is being recorded by hidden cameras at ATM locations in New York City and/or as required by local regulations. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting xxx.xxxxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your First South Financial VISA General Purpose Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $50 on your General Purpose Card by making a payment at your local First South Financial banking center. Please bear in mind the number of loads on a Non-personalized card is limited to three including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.xxxxxxxxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500 domestic or $1000 international or 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. General Purpose Card Account Fees and Charges Additional Card Fee - $5.00 per card Express shipping charges - $25 per card Card Replacement Fee - $10.00 per card + overnight shipping (if applicable) Reload Fee - $3.00 to reload value onto your Visa General Purpose Card after the initial load. (Please remember Non- Personalized cards are limited to 3 reloads included the initial value load.) Monthly maintenance fee - $3.00 per card ATM Fee - There is a $2.50 ATM withdrawal fee per ATM withdrawal in the US and $3.00 elsewhere in the world. Live Agent Customer Service Call Fee - $5.00 per call if you opt to speak to a live agent regarding your card when you call 0-000-000-0000. Automated Assistance Call Fee - $1.00 per call when you call 0-000-000-0000. You may check your card balances online at no charge. Foreign Exchange: If a card transaction is made in a currency other than that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. The exchange rate used is the wholesale money market or the government-mandated rate increased by 7% (including the VISA handling charge of 1%).

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Our Visa Prepaid Card can be purchased by anyone that has a valid debit or credit card registered in his or her name. The individual purchasing the card is defined as the primary cardholder. The address listed for the primary cardholder must match the billing address for the debit/credit card used to purchase the International Prepaid Card. Personalized primary cardholders can order online up to 4 personalized secondary cards for family members or companions. When purchasing a secondary card for a young person with no card experience, be sure to go over all of the materials that accompany the card. Before using the Card You must activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Non Personalized Cards are activated upon load. Remember to sign the reverse back of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortageshortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “Data Protection and Privacy”. If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. For security reasons, some countries may be blocked from access. If you are traveling out of the country, contact us before leaving to inquire about which countries and how to enable usage. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Prepaid Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this the Card. The minimum value that can be prepaid loaded is $10.0020.00.

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Before using the Card You must activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Non Personalized Cards are activated upon load, however it is recommended that you register your card by signing on to our secure website. Remember to sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “Data Protection and Privacy”. If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement Agree- ment if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Prepaid Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this the Card. The minimum value that can be prepaid is $10.0025.00.

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Our Visa Prepaid Card can be purchased by anyone that has a valid debit or credit card registered in his or her name. The individual purchasing the card is defined as the primary cardholder. The address listed for the primary cardholder must match the billing address for the debit/credit card used to purchase the International Prepaid Card. Personalized primary cardholders can order online up to one personalized secondary cards for family members or companions. When purchasing a secondary card for a young person with no card experience, be sure to go over all of the materials that accompany the card. Before using the Card You must activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Non Personalized Cards are activated upon load. Remember to sign the reverse back of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortageshortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “Data Protection and "Privacy”". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. For security reasons, some countries may be blocked from access. If you are traveling out of the country, contact us before leaving to inquire about which countries and how to enable usage. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Prepaid Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this the Card. The minimum value that can be prepaid is $10.0050.00 Using Your Card The VISA Prepaid Card is a reloadable stored-value card. It is not a credit card. This card is issued by Align Credit Union, pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Prepaid Card on issue is limited to $5000.00 and no more than $5000.00 can be available for use on the Card at any one time. Activate your Personalized Card by calling toll-free, (000) 000-0000 or visit us online at XxxxxXX.xxx. Non Personalized Cards are activated upon load. You will be required, for validation purposes, to provide personal information. You will also be given a PIN for your Personalized or Non Personalized Card which can be obtained by calling the customer support number. You will need your PIN to access cash from ATMs and to use at all merchants abroad equipped with global chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN before making more than 3 attempts at entering an incorrect PIN. It is important to remember your PIN because locking your PIN at a merchant terminal using an EMV chip card will require you to unlock the PIN before your International Prepaid Card can be used at another merchant EMV chip terminal again. To unlock your PIN, you must first call the customer support line to obtain your correct PIN, next, find any ATM that accepts EMV chip cards; using the correct PIN, perform a Balance Inquiry or Cash Withdrawal transaction; after this transaction is complete, the PIN will automatically be unlocked and you are free to use your International Prepaid Card again at any merchant and ATM worldwide. The Card is non-transferable. The person who purchases the Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request 1 additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. Cash-back is only available at US Visa merchants with your International Prepaid Card, it is not available at international Visa merchants. If you use the Card to make a telephone call this can require a minimum credit of $15.00. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If 7 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be the same as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your card is a personalized card, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number (000) 000-0000 immediately to hear your PIN, especially before you try to use it at a merchant or an ATM. It is very important to maintain the correct PIN because locking it out at a merchant’s EMV Chip terminal results in having to perform the process of unlocking the PIN before it can be used again at an EMV Chip merchant terminal. However, the card can still be used at any ATM’s worldwide that accept EMV Chip cards. . You will have up to 3 attempts at entering a bad PIN before it locks., If you have locked your PIN, you must call the customer support number immediately, choose the option to “Hear Your PIN”, locate an ATM that accepts EMV Chip cards, perform a Balance Inquiry or Cash Withdrawal using the correct PIN in this ATM, complete the transaction, and the PIN will automatically be unlocked now. You can then go use your International Prepaid Card again at any merchant or ATM worldwide. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free (000) 000-0000 or by visiting XxxxxXX.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Align Credit Union VISA Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $50.00 on your Prepaid Card by making a payment at your local Align Credit Union branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at XxxxxXX.xxx or by calling toll free (000) 000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500.00 or 3 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. Prepaid Card Account Fees and Charges Card Fee - $15.00 if a member and ordered from a local branch and $15.00 plus shipping as advised when ordering online. Secondary Card Fee - $15.00 plus shipping as advised when ordering online. Inactivity Fee - If no activity for one year, a monthly inactivity fee of $2.50 per month will be assessed to the card balance until the card is activated. Card Replacement / Reissue Fee - You will be charged a fee of $15.00 to replace a card that is lost or stolen, and to reissue a card due to a name change or damaged card. An Emergency card replacement can be requested if the PIN is blocked and/or circumstances request an immediate turnaround on shipping out the replacement card; there will be an extra cost of $35 assessed to the prepaid card for this Emergency Card Replacement service.

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Before using the Card You must activate the Personalized Reloadable Card by calling the number indicated on the sticker on the front of your Card, Card,0-000-000-0000 or signing on to our secure website. A PIN will automatically be assigned after activation is complete. Remember to sign the reverse back of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “"Data Protection and Privacy”". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Student Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this the Card. The minimum value that can be prepaid is $10.00100. Using Your Card The VISA Student Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a FDIC insured deposit account. This card is issued by TruMark Financial Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student Card on issue is limited to $2500, and no more than $2500 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.xxxxxxxxxxxxx.xxx. Your PIN will automatically be assigned after activation is complete. You will be required, for validation purposes, to provide personal information. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card after activation. The Card is non-transferable. The person who purchases the Card is the only person authorized to use the Card. Please do not give your Card to anyone else to use. You may request two additional Cards when you order your Card for any user you authorize which will have to be separately activated and which can be used in the same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash- back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump a minimum of $99 must be available on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If five days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as the final bill. When making a purchase on the phone, by mail or online the account information you provide must be the same account information as registered for the Card and a difference may lead to a declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at the time it is reported lost or stolen (subject to unauthorized use of the Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for any transaction. The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction originated by use of the Card. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting xxx.xxxxxxxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your TruMark Financial Credit Union VISA Student Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $100 on your Prepaid Card by making a payment at your local TruMark Financial Credit Union branch. Please bear in mind the number of loads on a Non- personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. The ability to have your employee paycheck direct deposited onto your Personalized card is also available. Instructions to give your employer for setting up payroll direct deposit are available at xxx.xxxxxxxxxxxxx.xxx as a downloadable form. You can also add value at xxx.xxxxxxxxxxxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account.. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM owner. ATM use is subject to a transaction withdrawal limit of $500 or 4 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM owner when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Student Card Account Fees and Charges Online Service Enrollment Fee: $2.50 plus shipping as advised when ordering on the telephone or online. Instant Issue Service Enrollment Fee: $2.50 if a member and ordered from a local branch Inactivity Fee: You will be charged a fee of $2.00 each month, beginning on the 13th month of inactivity on the Card, as long as there is a balance remaining on the Card. Card Replacement Fee: $5.00 fee per lost/stolen replacement card. Card Reissue Fee: $5.00 fee per damaged replacement card. Foreign Exchange: If a card transaction is made in a currency other than that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. The exchange rate used is the wholesale money market or the government-mandated rate in effect one day prior to the processing date, increased by an international reimbursement rate of one percent in each case. The currency conversion rate in effect on the processing date may differ from the rate on the transaction date or the posting date.

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Before using the Card You must must: (i) activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Remember to ; and (ii) sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “"Data Protection and Privacy”". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Prepaid Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this the Card. The minimum value that can be prepaid is $10.00zero.

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Before using the Card You must activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Non Personalized Cards are activated upon load, however it is recommended that you register your card by signing on to our secure website. Remember to sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “"Data Protection and Privacy”". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Prepaid Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this the Card. The minimum value that can be prepaid is $10.00.

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Before using the Card You must activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure websitewebsite or calling our toll free number indicated on the back of your Card. A PIN will automatically be assigned after activation. Remember to sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “"Data Protection and Privacy”". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Prepaid Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this the Card. The minimum value that can be prepaid is $10.0020.00.

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Before using the Card You must activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Remember to sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “Data Protection and "Privacy”". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Prepaid Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this the Card. The minimum value that can be prepaid is $10.0025.

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Before using the Card You must activate the Personalized Card by calling the number indicated on the sticker on the front of your Card, or signing on to our secure website. Remember to sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “"Data Protection and Privacy”". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Student Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this the Card. The minimum value that can be prepaid is $10.0050.

Ownership and Use of the Card. The Card is and will remain our property. However, you will be solely and completely responsible for the possession, use and control of the Card. You must surrender the Card to us immediately upon request. The Card may not be used for Internet lottery, betting, or gambling transactions or for any illegal transactions. Before using the Card You must activate the Personalized and Non-Personalized Card by calling the number indicated on the sticker on the front of your Cardvisiting xxx.000xxx.xxx and login into Web24 or call (000) 000-0000, or signing on to our secure websitecheck applicable fees. Remember to sign the reverse of the Card. Write down your Card number and the Customer Service Number on a separate piece of paper in case the Card is ever lost or stolen. At the time of activation, for your protection and for regulatory purposes, we may request, and you agree to provide, some additional identification verification information such as your home phone number, date of birth, social security number and zip code. We may use this data for a range of purposes, including but not limited to facilitating refunds if your Card is lost or stolen, enhancing usage at merchants that may require zip code authorization, and aiding in collection efforts in the event of a Shortage, as defined herein. We will hold your information in confidence in accordance with the section below entitled “"Data Protection and Privacy”". If you do not wish to provide the data, or if the data you provide us cannot be appropriately verified, we reserve the right to cancel your Card and reimburse you for the Initial Load Amount. Please read the following carefully and keep these Terms and Conditions for your records as they set out the Agreement between you and us. You will be deemed to have accepted the Card and the terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Relationship Prepaid Card using your usual signature immediately upon receipt. You must be a citizen or a resident of the U.S. with a valid social security number to purchase this the Card. The minimum value that can be prepaid is $10.0025.00.