Common use of Preauthorized Transfers Clause in Contracts

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers. If presented for payment, preauthorized direct debits will be declined and payment to the merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packaging. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted to the dollar value that has been loaded to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa debit cards or PULSE cards are accepted as long as you do not exceed the available value of the Gift Card Account. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers. If presented for payment, preauthorized direct debits will be declined and payment to the merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card card packaging. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted to the dollar value that has been loaded to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa debit cards or PULSE cards are Debit Master- card is accepted as long as you do not exceed the available value of the Gift Card Account. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift Card as partial payment pay- ment 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize au- thorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online illegal gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available avail- able amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. Using The Card/Features The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packaging. These restricted to $1000.00.These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature and PIN) You may use the Card for Signature purchases in any number of transactions up to the dollar value that has been loaded to balance of the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxxCard. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa debit cards or PULSE cards are accepted as long as you do not exceed the available value of the Gift Card AccountAccount and other restrictions (see examples described below) do not apply. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. If you use the Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 or more. If the Card is declined, even though there are sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. Card Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may may, with or without prior notice, limit the amount type, amount, or number of transactions you can make on the Gift Card. You may not use the Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. Non-Visa Debit Transactions New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases. Returns and Refunds If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to the Card for such refunds and agree to the refund policy of that merchant. The Issuer or Program Manager is not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Card. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packagingrestricted to $5,000.00. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature) No limit to the dollar value that has been loaded number of times per day Up to $5,000.00 per day Card Purchases (PIN) No limit to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. number of times per day Up to $5,000.00 per day You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa debit cards or PULSE cards are accepted as long as you do not exceed the available value of on the Gift Card Account. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE NYCE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE NYCE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE NYCE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-16- digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill xxxx payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packagingrestricted to $25,000.00. These are the maximum amounts that can be spent on the Gift Card: Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature) 5 times per day, $5,000.00 per transaction, up to $25,000.00 per day* Maximum purchase limits are restricted Card Purchases (PIN) 5 times per day, $5,000.00 per transaction, up to $25,000.00 per day* * Per day means rolling twenty-four (24) hour period beginning with the dollar value that has been loaded to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. first applicable transaction You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa debit cards or PULSE Visa, Maestro card, Interlink cards are accepted as long as you do not exceed the available value of the Gift Card Account. The Gift Card may Account and other restrictions (see examples described below) do not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbiaapply. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. Card Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may may, with or without prior notice, limit the amount type, amount, or number of transactions you can make on the Gift Card. You may not use the Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures Procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if If you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE an Interlink or Maestro transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE Interlink or Maestro network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE networkInterlink or Maestro networks. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-16- digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers. If presented for payment, preauthorized direct debits will be declined and payment to the merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card card packaging. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted Gift Card Purchases (Signature) No limit to the dollar value that has been loaded number of times per day, up to $500.00 per day* Gift Card Purchases (PIN) No limit to the Gift Card Account. number of times per day, up to $500.00 per day* For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxxxxx.xxxxxxxxxxx.xxx. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa debit cards or PULSE cards are Debit MasterCard is accepted as long as you do not exceed the available value of the Gift Card Account. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.thirty

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packagingrestricted to $1,000.00. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature or PIN) No daily limit, $1,000.00 per transaction, up to the dollar value that has been loaded to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. $1,000.00 per calendar day You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa debit cards or PULSE cards, Maestro cards, and Interlink cards are accepted as long as you do not exceed the available value of the Gift Card Account. The Gift Card may Account and other restrictions (see examples described below) do not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbiaapply. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. Card Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may may, with or without prior notice, limit the amount type, amount, or number of transactions you can make on the Gift Card. You may not use the Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction transaction, or as a PULSE Maestro and Interlink transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE Maestro or Interlink network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE Maestro or Interlink network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-16- digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers. If presented for payment, preauthorized direct debits will be declined and payment to the merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. Using The Gift Card/Features The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packaging. These are the maximum amounts that can be spent on the Gift Card: Transaction Type Frequency and/or Dollar Limits Gift Card Purchases (Signature or PIN) No limit to the number of times per day, up to $500.00 per day* * Maximum purchase limits are restricted to the dollar value that has been loaded to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States), the District of Columbia, and the following territories or commonwealths: Federated States of Micronesia, Northern Mariana Islands, Guam, Puerto Rico, U.S. Virgin Islands, American Samoa, Xxxxx Island, Xxxxxxx Island, Xxxxxx Island, Kingman Reef, Midway Islands, Navassa Island, Palau Palmyra Atoll, and Wake Island (collectively, the “U.S.”) and the District of Columbia ), everywhere Visa debit cards or PULSE cards are accepted as long as you do not exceed the available value of the Gift Card Account. The Gift Card may not be used outside the U.S. and the District of ColumbiaU.S., including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. If you use the Gift Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 or more. If the Gift Card is declined, even though there are sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Gift Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. You acknowledge that purchases made with the Gift Card are similar to those made with cash, and you do not have the right to stop payment or lodge a billing dispute on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. Non-Visa Debit Transactions New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill xxxx payment, mail order, telephone, or Internet purchases. Returns and Refunds If you are entitled to a refund for any reason for goods or services obtained with the Gift Card, you agree to accept credits to the Gift Card for such refunds and agree to the refund policy of that merchant. The Issuer and Program Manager are not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Gift Card. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided. Gift Card Replacement If you need to replace the Gift Card for any reason, please call 0-000-000-0000 to request a replacement Gift Card. You will be required to provide personal information which may include the 16-digit Gift Card number, your full name, transaction history, copies of accepted identification, etc. For information on replacing an expired Gift Card, see the section below labeled “Expiration”.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packagingrestricted to $5,000.00. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature) No limit to the dollar value that has been loaded number of times per day Up to $5,000.00 per day Card Purchases (PIN) No limit to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. number of times per day Up to $5,000.00 per day You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa Visa® debit cards or PULSE and NYCE® cards are accepted as long as you do not exceed the available value of on the Gift Card Account. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for illegal online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE NYCE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE NYCE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE NYCE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-16- digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers. If presented for payment, preauthorized direct debits will be declined and payment to the merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. Using The Gift Card/Features The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packaging. These are the maximum amounts that can be spent on the Gift Card: Transaction Type Frequency and/or Dollar Limits Gift Card Purchases (Signature or PIN) No limit to the number of times per day, up to $500.00 per day* * Maximum purchase limits are restricted to the dollar value that has been loaded to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxxXxxxxxxxxxxx.xxx. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States), the District of Columbia, and the following territories or commonwealths: Federated States of Micronesia, Northern Mariana Islands, Guam, Puerto Rico, U.S. Virgin Islands, American Samoa, Xxxxx Island, Xxxxxxx Island, Xxxxxx Island, Kingman Reef, Midway Islands, Navassa Island, Palau Palmyra Atoll, and Wake Island (collectively, the “U.S.”) and the District of Columbia ), everywhere Visa debit cards or PULSE cards are accepted as long as you do not exceed the available value of the Gift Card Account. The Gift Card may not be used outside the U.S. and the District of ColumbiaU.S., including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. If you use the Gift Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 or more. If the Gift Card is declined, even though there are sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Gift Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. You acknowledge that purchases made with the Gift Card are similar to those made with cash, and you do not have the right to stop payment or lodge a billing dispute on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. Non-Visa Debit Transactions New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-non- Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases. Returns and Refunds If you are entitled to a refund for any reason for goods or services obtained with the Gift Card, you agree to accept credits to the Gift Card for such refunds and agree to the refund policy of that merchant. The Issuer and Program Manager are not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Gift Card. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. Using The Gift Card/Features The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packaging. These are the maximum amounts that can be spent on the Gift Card: Transaction Type Frequency and/or Dollar Limits Gift Card Purchases (Signature) No limit to the number of times per day Up to $500.00 per calendar day* Maximum purchase Gift Card Purchases (PIN) No limit to the number of times per day Up to $500.00 per calendar day* * Minimum and maximum limits are restricted to the dollar value that has been loaded to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxxxxx.XXxxXxxxXxxxx.xxx. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) U.S. and the District of Columbia everywhere Visa debit cards or PULSE cards are Debit Mastercard is accepted as long as you do not exceed the available value of the Gift Card Account. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. If you use the Gift Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 or more. If the Gift Card is declined, even though there are sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Gift Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. Gift Card Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may may, with or without prior notice, limit the amount type, amount, or number of transactions you can make on the Gift Card. You may not use the Gift Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures Returns and Refunds If you are in effect that may impact entitled to a refund for any reason for goods or services obtained with the Gift Card, you when you use agree to accept credits to the Gift Card at certain merchant locationsfor such refunds and agree to the refund policy of that merchant. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do The Issuer and Program Manager are not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a clear way of choosing Gift Card. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided. Gift Card Replacement If you need to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe replace the Gift Card through Card, please contact 0-000-000-0000 to request a POS terminal, sign the receipt, or replacement Gift Card. You will be required to provide personal information which may include the 16-digit Gift Card number for a mail ordernumber, telephoneyour full name, or Internet transaction history, copies of accepted identification, etc. For information on replacing an expired Gift Card, see the section below labeled “Expiration.” Expiration The Gift Card will expire no sooner than five (5) years from the date of purchase. To initiate The funds on the Gift Card do not expire. You will not be able to use the Gift Card after the expiration date; however, you may request a non-Visa debit transaction replacement Gift Card at no cost to you by following the procedures in the paragraph labeled “Gift Card Replacement.” If you need a replacement Gift Card for any reason other than due to the Gift Card’s expiration, you may request one at any time by following the procedures in the paragraph labeled “Gift Card Replacement”. Transactions Made In Foreign Currencies The Gift Card may only be used within the fifty (50) U.S. states and the District of Columbia. Receipts You should get a receipt at the POStime you make a transaction using the Gift Card. You agree to retain, enter the PIN at the POS terminal or provide the 16-digit verify, and reconcile your transactions and receipts. Gift Card Account Balance/Transaction History You are responsible for keeping track of the available balance of the Gift Card Account. Merchants generally will not be able to determine the available balance. It’s important to know the available balance before making any transaction. You may obtain information about the amount of money remaining in the Gift Card Account by calling the number after clearly indicating on the back of your card. This information, along with a preference sixty (60) day history of Gift Card Account transactions, is also available online at xxx.XXxxXxxxXxxxx.xxx. You also have a right to route obtain a sixty (60) day written history of Gift Card Account transactions by calling the transaction number on the back of your card or by writing to Mastercard Gift Card Customer Service, P.O. Box 826, Xxxxxxx, GA 31808. You will not automatically receive paper statements. Fee Schedule All fee amounts will be withdrawn from the Gift Card Account and will be assessed as long as there is a non-Visa debit transaction for certain bill paymentremaining balance on the Gift Card Account, mail orderexcept where prohibited by law. Any time the remaining Gift Card Account balance is less than the fee amount being assessed, telephone, or Internet purchasesthe balance of the Gift Card Account will be applied to the fee amount resulting in a zero balance on the Gift Card Account.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers. If presented for payment, preauthorized direct debits will be declined and payment to the merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The To determine the maximum dollar value of the Gift Card is printed on the front side of the Gift Card packagingCard, please call 0-000-000-0000 or visit xxx.xxxxxxxxxxx.xxx. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted Gift Card Purchases (Signature) No limit to the dollar value that has been loaded number of times per day, up to the Gift Card Account. $500.00 per day* For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxxxxx.xxxxxxxxxxx.xxx. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) U.S. and the District of Columbia everywhere Visa debit cards or PULSE cards are Debit MasterCard is accepted as long as you do not exceed the available value of the Gift Card Account. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packaging. These restricted to $1,000.These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted to Card Purchases (Signature) You may use the dollar value that has been loaded to Card for Signature purchases in any number of transactions up the Gift balance of the Card. Card Account. For Gift Purchases (PIN) You may use the Card for PIN purchases in any number of transactions up the balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxxof the Card. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa debit cards or PULSE cards are accepted as long as you do not exceed the value available value of on the Gift Card Account. The Gift Card may not be used outside of the U.S. United States and the District of Columbia, including Internet and mail or telephone order merchants outside of the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you would use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. Internet, mail, and phone order purchases conducted in the United States and District of Columbia may require that the ZIP code of the person to whom the Card was issued be on file. If you wish to make such Internet, mail, or phone order purchases, you must go to xxx.xxxxxxxxxxxxxxxxxxxxxx.xxx and provide us with your ZIP code prior to making an Internet, mail, or phone order transaction. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the value available value of in the Gift Card Account by the amount of the transaction and any applicable fees. You are may not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of the funds available on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the your transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers. If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packagingside. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted Gift Card Purchases (Signature) No limit to the dollar value that has been loaded number of times per day Up to $500.00 per day* Gift Card Purchases (PIN) No limit to the Gift Card Account. number of times per day Up to $500.00 per day* For Gift Card balance information, please call 0-000-000-0000 the number on the back of your card or visit XxxxxxxXxxx.xxxxxx.XXxxXxxxXxxxx.xxx. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) U.S. and the District of Columbia everywhere Visa debit cards or PULSE cards are Debit Mastercard is accepted as long as you do not exceed the available value of the Gift Card Account. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. Using The Gift Card/Features To determine the maximum dollar value of the Gift Card is printed on the front side of the Gift Card packagingCard, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted to the dollar value that has been loaded to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) U.S. and the District of Columbia everywhere Visa debit cards or PULSE cards are Debit Mastercard is accepted as long as you do not exceed the available value of the Gift Card AccountAccount and other restrictions (see examples described below) do not apply. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. If you use the Gift Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 or more. If the Gift Card is declined, even though there are sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Gift Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. Gift Card Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may may, with or without prior notice, limit the amount type, amount, or number of transactions you can make on the Gift Card. You may not use the Gift Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures Returns and Refunds If you are in effect that may impact entitled to a refund for any reason for goods or services obtained with the Gift Card, you when you use agree to accept credits to the Gift Card at certain merchant locationsfor such refunds and agree to the refund policy of that merchant. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do The Issuer and Program Manager are not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a clear way of choosing to make a Visa debit transaction if they support Gift Card. All such disputes must be addressed and handled directly with the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, merchant from whom those goods or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchasesservices were provided.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packagingrestricted to $5,000.00. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature) No limit to the dollar value that has been loaded number of times per day Up to $5,000.00 per day Card Purchases (PIN) No limit to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. number of times per day Up to $5,000.00 per day You may use the Gift Card to purchase or lease goods or services at specific merchants including Firestone Complete Auto Care, Tires Plus, Xxxxxx Tires Plus, Xxxxxxx Tires Plus and Wheel Works participating in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa debit cards or PULSE cards are accepted Store Reward program as long as you do not exceed the value available value of on the Gift Card Account. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you would use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. days If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packagingrestricted to $1,000.00. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature) No limit to the dollar value that has been loaded number of times per day Up to $1,000.00 per day Card Purchases (PIN) No limit to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. number of times per day Up to $1,000.00 per day You may use the Gift Card to purchase or lease goods or services at specific merchants participating in the fifty (50) states of the United States (“U.S.”) and the District of Columbia Performance Plus program, everywhere Visa debit cards or PULSE cards are accepted as long as you do not exceed the value available value of on the Gift Card Account. The Gift Card may not be used outside the U.S. and the District For a complete list of Columbiaparticipating merchants, including Internet and mail please refer to your program documents or telephone order merchants outside the U.S. and the District of Columbiavisit xxx.xxxxxxxxxxxxxxxxxxxx.xxx. Some merchants do not allow cardholders to conduct split transactions where you would use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE NYCE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE NYCE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE NYCE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-16- digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. Using The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packaging. Card- These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted to the dollar value that has been loaded to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa debit cards or PULSE cards are accepted as long as you do not exceed the available value of the Gift Card Account. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. TransactionType Frequencyand/orDollarLimits If you wish to conduct a split transaction and it is permitted by the merchantpurchase fuel, you must tell pay for your purchase inside with the merchant to charge only cashier. The Card cannot be used for a “pay at the exact amount of funds available on the Gift Card Account to the Gift 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 pump” transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) daysat an automated fuel dispenser. If you use the 16-digit Gift Card number without presenting the Gift Card (such as at a restaurant, a hotel, for a mail order, telephonecar rental purchase, or Internet purchase)for similar purchases, the legal effect transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the same as if you had used hold to be removed. During the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Cardhold period, you authorize us will not have access to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable feespreauthorized amount. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. Non-Visa Debit Transactions- New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE NYCE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE NYCE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE NYCE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the Point of Sale (“POS”), swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-non- Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the your transaction as a non-Visa debit transaction for certain bill xxxx payment, mail order, telephone, or Internet purchases. Returns and Refunds- If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to the Card for such refunds and agree to the refund policy of that merchant. Neither the Issuer nor the Program Manager shall be responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with the Card. All such disputes must be addressed and handled directly with the merchant. Refunds are not processed in real-time and may require three (3) days or more for the funds to return to the Card. Card Replacement- If you need to replace the Card for any reason, please contact 0-000-000-0000 to request a replacement Card. You will be required to provide personal information which may include the 16-digit Card number, your full name, transaction history, copies of accepted identification, etc. There is a fee for replacing a lost, stolen or damaged Card, see the Fee Schedule for details. For information on replacing and expired Card, see the section below labeled “Expiration”. Expiration- The Card will expire on the date printed on the front of the card. Funds on the Card expire when the Card expires. You will not be able to use the Card after the expiration date. If you need a replacement Card for any reason other than the Card’s expiration, you may request one at any time, however there is a replacement Card fee. For information about the fee, see the section labeled “Fee Schedule.” Transactions Made in Foreign Currencies- The Card may be used everywhere Visa debit cards are accepted, unless otherwise indicated on the card plastic. If the card plastic indicates domestic use only, the card may only be used within the fifty (50) U.S. states and the District of Columbia, Guam, Puerto Rico, U.S. Virgin Islands and American Samoa. If you make a purchase in a currency other than the currency in which the Card was issued, the amount deducted from the funds will be converted by Visa into an amount in the currency of the Card. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date. If you make a purchase in a currency other than the currency in which the Card was issued, the Issuer may assess a Currency Conversion Fee of 2% of the transaction amount and will retain this amount as compensation for its services. Transactions made outside of the fifty (50) Fee Schedule- All fee amounts will be withdrawn from the Card Account and will be assessed as long as there is a remaining balance on the Card Account, except where prohibited by law. Anytime the remaining Card Account balance is less than the fee amount being assessed, the balance of the Card Account will be applied to the fee amount resulting in a zero balance on the Card Account. If you attempt to complete a transaction when the balance is less than the transaction amount and the corresponding fee amount combined, the requested transaction may be declined. Confidentiality- We may disclose information to third parties about the Card or the transactions you make: (1) Where it is necessary for completing transactions; (2) In order to verify the existence and condition of the Card for a third party, such as merchant; (3) In order to comply with government agency, court order, or other legal or administrative reporting requirements; (4) To our employees, auditors, affiliates, service providers, or attorneys as needed; or (5)As necessary to fulfill our obligations under this Agreement.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card card packaging. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase Gift Card Purchases (Signature) Minimum and maximum limits are restricted to the dollar value that has been loaded to the Gift Card Account. Gift Card Purchases (PIN) Minimum and maximum limits are restricted to the dollar value that has been loaded to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxxxxxxxxxxxxxx.xxx. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa debit cards or PULSE cards are Debit Mastercard is accepted as long as you do not exceed the available value of the Gift Card AccountAccount and other restrictions (see examples described below) do not apply. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You acknowledge that purchases made with the Gift Card are similar to those made with cash, and you do not have the right to stop payment or lodge a billing dispute on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. Gift Card Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may may, with or without prior notice, limit the amount type, amount, or number of transactions you can make on the Gift CardCard and/or limit the acceptance of the Gift Card at certain merchants. You may not use the Gift Card for any illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers. If presented for payment, preauthorized direct debits will be declined and payment to the merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. Using The Gift Card/Features The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packaging. These are the maximum amounts that can be spent on the Gift Card: Transaction Type Frequency and/or Dollar Limits Gift Card Purchases (Signature or PIN) No limit to the number of times per day, up to $400.00 per day* * Maximum purchase limits are restricted to the dollar value that has been loaded to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxxXxxxxxxxxxxx.xxx. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States), the District of Columbia, and the following territories or commonwealths: Federated States of Micronesia, Northern Mariana Islands, Guam, Puerto Rico, U.S. Virgin Islands, American Samoa, Xxxxx Island, Xxxxxxx Island, Xxxxxx Island, Kingman Reef, Midway Islands, Navassa Island, Palau Palmyra Atoll, and Wake Island (collectively, the “U.S.”) and the District of Columbia ), everywhere Visa debit cards or PULSE cards are accepted as long as you do not exceed the available value of the Gift Card Account. The Gift Card may not be used outside the U.S. and the District of ColumbiaU.S., including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. If you use the Gift Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 or more. If the Gift Card is declined, even though there are sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Gift Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. You acknowledge that purchases made with the Gift Card are similar to those made with cash, and you do not have the right to stop payment or lodge a billing dispute on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. Non-Visa Debit Transactions New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-non- Visa debit transaction for certain bill xxxx payment, mail order, telephone, or Internet purchases. Returns and Refunds If you are entitled to a refund for any reason for goods or services obtained with the Gift Card, you agree to accept credits to the Gift Card for such refunds and agree to the refund policy of that merchant. The Issuer and Program Manager are not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Gift Card. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders . If presented for payment, preauthorized direct debits will be declined and payment to the merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packaging. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted Gift Card Purchases (Signature) No limit to the dollar value that has been loaded number of times per day, up to the Gift Card Account. $50.00 per day* For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxxxxx.xxxxxxxxxxxxxxxx.xxx. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa debit Discover® cards or PULSE Maestro® cards are accepted as long as you do not exceed the available value of the Gift Card Account. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers. If presented for payment, preauthorized direct debits will be declined and payment to the merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packagingrestricted to $1,000. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted to Card Purchases (Signature or PIN) You may use the dollar value that has been loaded to Card for Signature purchases in any number of transactions up the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxxof the Card. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa debit cards or PULSE cards are accepted as long as you do not exceed the available value of the Gift Card Account. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside of the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have Internet, mail, and phone order purchases conducted in the right to stop payment on any purchase or payment transaction originated by use United States and District of Columbia may require that the ZIP code of the Gift Cardperson to whom the Card was issued be on file. If you authorize a transaction and then fail wish to make the purchase of that item as plannedsuch Internet, the approval may result in a hold for that amount of funds for up mail, or phone order purchases, you must call 0-000-000-0000 and provide us with your ZIP code prior to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) daysmaking an Internet, mail, or phone order transaction. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of the funds available on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers. If presented for payment, preauthorized direct debits will be declined VMCUS_07.2016/C1951_754_181616 and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packaging. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted Gift Card Purchases (Signature) No limit to the dollar value that has been loaded number of times per day Up to $500.00 per day* Gift Card Purchases (PIN) No limit to the Gift Card Account. number of times per day Up to $500.00 per day* For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxxxxx.XXxxXxxxXxxxx.xxx. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) U.S. and the District of Columbia everywhere Visa debit cards or PULSE cards are Debit MasterCard is accepted as long as you do not exceed the available value of the Gift Card Account. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packagingrestricted to $1,000.00. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature) No limit to the dollar value that has been loaded number of times per day Up to $1,000.00 per day Card Purchases (PIN) No limit to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. number of times per day Up to $1,000.00 per day You may use the Gift Card to purchase or lease goods or services at specific merchants participating in the fifty (50) states of the United States (“U.S.”) and the District of Columbia Performance Plus program, everywhere Visa debit cards or PULSE cards are accepted as long as you do not exceed the value available value of on the Gift Card Account. The Gift Card may not be used outside the U.S. and the District For a complete list of Columbiaparticipating merchants, including Internet and mail please refer to your program documents or telephone order merchants outside the U.S. and the District of Columbiavisit xxx.xxxxxxxxxxxxxxxxxxxx.xxx. Some merchants do not allow cardholders to conduct split transactions where you would use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE NYCE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE NYCE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE NYCE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-16- digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill xxxx payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers. If presented for payment, preauthorized direct debits will be declined and payment to the merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packagingrestricted to $1,000.00. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted to Card Purchases (Signature) You may use the dollar value that has been loaded to Card for Signature purchases in any number of transactions up the Gift balance of the Card. Card Account. For Gift Purchases (PIN) You may use the Card for PIN purchases in any number of transactions up the balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxxof the Card. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa debit cards or PULSE cards are accepted as long as you do not exceed the value available value of on the Gift Card Account. The Gift Card may not be used outside of the U.S. United States and the District of Columbia, including Internet and mail or telephone order merchants outside of the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you would use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. Internet, mail, and phone order purchases conducted in the United States and District of Columbia may require that the ZIP code of the person to whom the Card was issued be on file. If you wish to make such Internet, mail, or phone order purchases, you must go to xxx.XxxxxXxxxXxxx.xxx and provide us with your ZIP code prior to making an Internet, mail, or phone order transaction. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the value available value of in the Gift Card Account by the amount of the transaction and any applicable fees. You are may not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of the funds available on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the your transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. Using The Gift Card/Features The maximum dollar value of the Gift Card is printed on the front side of the Gift Card card packaging. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase Transaction Type Frequency and/or Dollar Limits Gift Card Purchases (Signature) Minimum and maximum limits are restricted to the dollar value that has been loaded to the Gift Card Account. Gift Card Purchases (PIN) Minimum and maximum limits are restricted to the dollar value that has been loaded to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa debit cards or PULSE cards are Debit Mastercard is accepted as long as you do not exceed the available value of the Gift Card AccountAccount and other restrictions (see examples described below) do not apply. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift Card as partial payment for goods and services ser- vices 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. If you use the Gift Card at an automated fuel dispenser (“pay at the pump”), the transac- tion may be preauthorized for an amount up to $100.00 or more. If the Gift Card is de- clined, even though there are sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Gift Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. Gift Card Ac- count restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may may, with or without prior notice, limit the amount type, amount, or number of transactions you can make on the Gift Card. You may not use the Gift Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures Returns and Refunds If you are in effect that may impact entitled to a refund for any reason for goods or services obtained with the Gift Card, you when you use agree to accept credits to the Gift Card at certain merchant locationsfor such refunds and agree to the refund policy of that merchant. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do The Issuer and Program Manager are not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a clear way of choosing Gift Card. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided. Gift Card Replacement If you need to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe replace the Gift Card through Card, please contact 0-000-000-0000 to request a POS terminal, sign the receipt, or replacement Gift Card. You will be required to provide personal information which may include the 16-digit Gift Card number for a mail ordernumber, telephoneyour full name, or Internet transaction history, copies of accepted identification, etc. For information on replacing an expired Gift Card, see the section below labeled “Expiration.” Expiration The Gift Card will expire no sooner than five (5) years from the date of purchase. To initiate The funds on the Gift Card do not expire. You will not be able to use the Gift Card after the expiration date; however, you may request a non-Visa debit transaction replacement Gift Card at no cost to you by following the procedures in the paragraph labeled “Gift Card Replacement.” If you need a replacement Gift Card for any reason other than due to the Gift Card’s expiration, you may request one at any time by following the procedures in the paragraph labeled “Gift Card Replacement.” Transactions Made In Foreign Currencies The Gift Card may only be used within the fifty (50) U.S. states and the District of Columbia. Receipts You should get a receipt at the POStime you make a transaction using the Gift Card. You agree to retain, enter verify, and reconcile your transactions and receipts. Gift Card Account Balance/Transaction History You are responsible for keeping track of the PIN available balance of the Gift Card Account. Merchants generally will not be able to determine the available balance. It’s important to know the available balance before making any transaction. You may obtain information about the amount of money remaining in the Gift Card Account by calling 0-000-000-0000. This information, along with a sixty (60) day history of Gift Card Account transactions, is also available online at XxxxxxxXxxx.xxx. You also have a right to obtain a sixty (60) day written history of Gift Card Account transactions by calling 0-000-000-0000 or by writing to Vanilla Mastercard Gift Card Cardholder Service, P.O. Box 826, Xxxxxxx, GA 31808. You will not automatically receive paper statements. Fee Schedule The Gift Card has NO FEES AFTER PURCHASE (including dormancy, service or other fees). A Purchase Charge per Gift Card is paid by the purchaser at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchasestime of purchase.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. Using The Gift Card/Features The maximum dollar value of the Gift Card is printed on the front side of the Gift Card card packaging. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase Transaction Type Frequency and/or Dollar Limits Gift Card Purchases (Signature) Minimum and maximum limits are restricted to the dollar value that has been loaded to the Gift Card Account. Gift Card Purchases (PIN) Minimum and maximum limits are restricted to the dollar value that has been loaded to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa debit cards or PULSE cards are Debit Mastercard is accepted as long as you do not exceed the available value of the Gift Card AccountAccount and other restrictions (see examples described below) do not apply. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. If you use the Gift Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 or more. If the Gift Card is declined, even though there are sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Gift Card at a restaurant, a hotel, for a car rental purchase, with an airline, or a cruise line, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. You acknowledge that purchases made with the Gift Card are similar to those made with cash, and you do not have the right to stop payment or lodge a billing dispute on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. Gift Card Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may may, with or without prior notice, limit the amount type, amount, or number of transactions you can make on the Gift CardCard and/or limit the acceptance of the Gift Card at certain merchants. You may not use the Gift Card for any illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures Returns and Refunds If you are in effect that may impact entitled to a refund for any reason for goods or services obtained with the Gift Card, you when you use agree to accept credits to the Gift Card at certain merchant locationsfor such refunds and agree to the refund policy of that merchant. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do The Issuer and Program Manager are not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a clear way of choosing Gift Card. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided. Gift Card Replacement If you need to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe replace the Gift Card through Card, please contact 0-000-000-0000 to request a POS terminal, sign the receipt, or replacement Gift Card. You will be required to provide personal information which may include the 16-digit Gift Card number for a mail ordernumber, telephoneyour full name, or Internet transaction history, copies of accepted identification, etc. For information on replacing an expired Gift Card, see the section below labeled “Expiration.” Expiration The Gift Card will expire no sooner than five (5) years from the date of purchase. To initiate The funds on the Gift Card do not expire. You will not be able to use the Gift Card after the expiration date; however, you may request a non-Visa debit transaction replacement Gift Card at no cost to you by following the procedures in the paragraph labeled “Gift Card Replacement.” If you need a replacement Gift Card for any reason other than due to the Gift Card’s expiration, you may request one at any time by following the procedures in the paragraph labeled “Gift Card Replacement.” Transactions Made In Foreign Currencies The Gift Card may only be used within the fifty (50) U.S. states and the District of Columbia. Receipts You should get a receipt at the POStime you make a transaction using the Gift Card. You agree to retain, enter verify, and reconcile your transactions and receipts. Gift Card Account Balance/Transaction History You are responsible for keeping track of the PIN available balance of the Gift Card Account. Merchants generally will not be able to determine the available balance. It’s important to know the available balance before making any transaction. You may obtain information about the amount of money remaining in the Gift Card Account by calling 0-000-000-0000. This information, along with a sixty (60) day history of Gift Card Account transactions, is also available online at XxxxxxxXxxx.xxx. You also have a right to obtain a sixty (60) day written history of Gift Card Account transactions by calling 0-000-000-0000 or by writing to Vanilla Mastercard Gift Card Cardholder Service, X.X. Xxx 000, Xxxxxxx, GA 31808. You will not automatically receive paper statements. Fee Schedule The Gift Card has NO FEES AFTER PURCHASE (including dormancy, service or other fees). A Purchase Charge per Gift Card is paid by the purchaser at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchasestime of purchase.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers. If presented for payment, preauthorized direct debits will be declined and payment to the merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. Using The Gift Card/Features The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packaging. These are the maximum amounts that can be spent on the Gift Card: Transaction Type Frequency and/or Dollar Limits Gift Card Purchases (Signature or PIN) No limit to the number of times per day, up to $500.00 per day* * Maximum purchase limits are restricted to the dollar value that has been loaded to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxxxxxxxxxxxx.xxx. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States), the District of Columbia, and the following territories or commonwealths: Federated States of Micronesia, Northern Mariana Islands, Guam, Puerto Rico, U.S. Virgin Islands, American Samoa, Xxxxx Island, Xxxxxxx Island, Xxxxxx Island, Kingman Reef, Midway Islands, Navassa Island, Palau Palmyra Atoll, and Wake Island (collectively, the “U.S.”) and the District of Columbia ), everywhere Visa debit cards or PULSE cards are accepted as long as you do not exceed the available value of the Gift Card Account. The Gift Card may not be used outside the U.S. and the District of ColumbiaU.S., including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. If you use the Gift Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 or more. If the Gift Card is declined, even though there are sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Gift Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. You acknowledge that purchases made with the Gift Card are similar to those made with cash, and you do not have the right to stop payment or lodge a billing dispute on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. Non-Visa Debit Transactions New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-non- Visa debit transaction for certain bill xxxx payment, mail order, telephone, or Internet purchases. Returns and Refunds If you are entitled to a refund for any reason for goods or services obtained with the Gift Card, you agree to accept credits to the Gift Card for such refunds and agree to the refund policy of that merchant. The Issuer and Program Manager are not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Gift Card. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided. Gift Card Replacement If you need to replace the Gift Card for any reason, please call 0-000-000-0000. to request a replacement Gift Card. You will be required to provide personal information which may include the 16-digit Gift Card number, your full name, transaction history, copies of accepted identification, etc. For information on replacing an expired Gift Card, see the section below labeled “Expiration”.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers. If presented for payment, preauthorized direct debits will be declined and payment to the merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift your Card is printed on the front side of the Gift Card packagingrestricted to $500.00. These are the maximum amounts that can be spent on the Gift your Card: Card Purchases (Signature) No limit to the number of times per day, $500.00 per transaction, up to $500.00 per day* Maximum purchase Card Purchases (PIN) No limit to the number of times per day, $500.00 per transaction , up to $500.00 per day* * Minimum and maximum limits are restricted to the dollar value that has been loaded to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. Account You may use the Gift your Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa debit cards Debit MasterCard or PULSE cards are accepted as long as you do not exceed the available value of the Gift your Card Account. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you would use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift your Card, the Gift your Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift your Card. You may not make preauthorized regular payments from your Card Account. If you authorize a transaction and then fail to make the 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. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the your 16-digit Gift Card number without presenting the Gift your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift your Card. The Gift Your Card cannot be redeemed for cash. You may not use the Gift your Card for online gambling or any illegal transaction. Each time you use the Gift your Card, you authorize us to reduce the available value of the Gift your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift your Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packagingrestricted to $1,000.00. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature or PIN) No daily limit, $1,000.00 per transaction, up to the dollar value that has been loaded to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. $1,000.00 per calendar day You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) everywhere Mastercard debit cards, Maestro cards, and the District of Columbia everywhere Visa debit cards or PULSE Interlink cards are accepted as long as you do not exceed the available value of the Gift Card Account. The Gift Card may Account and other restrictions (see examples described below) do not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbiaapply. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. Card Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may may, with or without prior notice, limit the amount type, amount, or number of transactions you can make on the Gift Card. You may not use the Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa Mastercard debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa Mastercard debit transaction transaction, or as a PULSE Maestro and Interlink transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa Mastercard debit transaction if they support the option. Please be advised that should you choose to use the PULSE Maestro or Interlink network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa Mastercard debit transactions as described in this Agreement will not apply to transactions processed on the PULSE Maestro or Interlink network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa Mastercard debit and non-Visa Mastercard debit transactions. To initiate a Visa Mastercard debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa Mastercard debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa Mastercard debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packaging. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted Gift Card Purchases (Signature or PIN) No limit to the dollar value that has been loaded number of times per day, up to the available balance on the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and including the District of Columbia and the following territories or commonwealths: Federated States of Micronesia, Northern Mariana Islands, Guam, Puerto Rico, U.S. Virgin Islands, American Samoa, Xxxxx Island, Xxxxxxx Island, Xxxxxx Island, Kingman Reef, Midway Islands, Navassa Island, Palau Palmyra Atoll, and Wake Island everywhere Visa debit cards or PULSE PULSE® cards are accepted as long as you do not exceed the available value of the Gift Card Account. The Gift Card may not be used outside the U.S. and U.S., the District of ColumbiaColumbia or these territories, including Internet and mail or telephone order merchants outside the U.S. and U.S., the District of ColumbiaColumbia or these territories. Some merchants do not allow cardholders to conduct split transactions where you use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online illegal gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures Procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE PULSE® transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE PULSE® network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE PULSE® network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packagingrestricted to $5,000.00. These are the maximum amounts that can be spent on the Gift Card: * Maximum purchase limits are restricted Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature) No limit to the dollar value that has been loaded number of times per calendar day Up to $5,000.00 per calendar day Card Purchases (PIN) No limit to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. number of times per calendar day Up to $5,000.00 per calendar day You may use the Gift Card to purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) directly with airlines, car rental and the District of Columbia hotel companies only, everywhere Visa Visa® debit cards or PULSE cards, Interlink® cards, and NYCE® cards are accepted as long as you do not exceed the value available value of on the Gift Card Account. The Gift Card may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you would use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. Card Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may may, with or without prior notice, limit the amount type, amount, or number of transactions you can make on the Gift Card. You may not use the Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for online gambling or any illegal transaction. Each time you use the Gift Card, you authorize us to reduce the available value of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE NYCE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE NYCE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE NYCE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-16- digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packaging. These are the maximum amounts amount that can be spent on the Gift Card: * Maximum purchase Card or Registered Card per day is $700.00. Transit Operators may have lower limits are or other transaction limits. The amount you may spend in any given month is also limited pursuant to section 132(f) of the Internal Revenue Code. The maximum value of the Card or Registered Card is restricted to $700.00. Transaction Type Frequency and/or Dollar Limits** Card Purchases (Signature) No frequency limit, up to $700.00 per transaction, up to $700.00 per day Card Purchases (PIN)* No frequency limit, up to $700.00 per transaction, up to $700.00 per day Card to Card Transfer*** No frequency limit, up to $700.00 per transaction, up to $700.00 per day *You must be the dollar value that has been loaded holder of a Registered Card to preform PIN based transactions. See the Gift section captioned “Registering the Unregistered Card” above for details. **Certain Transit or Parking Operators may have separate and/or different limits. *** Card Account. For Gift to Card Transfers are available for purposes of transferring the entire available balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. of one Card to another You may use the Gift Card to either purchase qualified transportation fringe benefits related to transit or lease goods or services qualified commuter parking in accordance with section 132(f) of the fifty (50) states of Internal Revenue Code in the United States (“U.S.”) and the District of Columbia everywhere Visa debit cards or PULSE cards are accepted as long as you do not exceed the value available value of on the Gift Card Account. The Gift Card may not be used outside of the U.S. United States and the District of Columbia, including Internet and mail or telephone order merchants outside of the U.S. and the District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you would use the Gift 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 Gift Card Account to the Gift Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Gift Card. If you authorize a transaction and then fail to make the 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. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasons, we may limit the amount or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cash. You may not use the Gift Card for illegal online gambling or any other illegal transaction. Each time you use the Gift Card, you authorize us to reduce the value available value of in the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of the funds available on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees, if applicable. New procedures Procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been were processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions a transaction may be processed as either a Visa debit transaction or as a PULSE NYCE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should Should you choose to use the PULSE NYCE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE NYCE network. Please refer to the paragraph labeled titled “Your Liability for Unauthorized Transfers” for a description of these the rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe or dip the Gift Card through at a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Preauthorized Transfers. The Gift Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providersproviders (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the merchant Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Gift Card Account number to anyone. Using The Card/Features - The maximum dollar value of the Gift Card is printed on the front side of the Gift Card packaging. restricted to $5,000.00 These are the maximum amounts that can be spent on the Gift Card: * Maximum Transaction Type Frequency and/or Dollar Limits $125.00 or more. If the Card is declined, even though there are sufficient funds available, you should pay for your purchase limits inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are restricted sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized 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 dollar value that has been loaded preauthorized amount. Returns and Refunds - If you are entitled to the Gift Card Account. For Gift Card balance information, please call 0-000-000-0000 or visit XxxxxxxXxxx.xxx. You may use the Gift Card to purchase or lease a refund for any reason for goods or services obtained with the Card, you agree to accept credits to the Card for such refunds and agree to the refund policy of that merchant. The Issuer or Program Manager is not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Card. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided. Transactions Made In Foreign Currencies - If you obtain funds or make a purchase in a currency other than the currency in which the Card was issued, the amount deducted from the funds will be converted by Visa into an amount in the currency of the Card. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. If you obtain funds or make a purchase in a currency other than the currency in which the Card was issued, the Issuer may assess a foreign currency conversion fee of 2.5% of the transaction amount and will retain this amount as compensation for its services. Transactions made outside the fifty (50) U.S. states of the United States (“U.S.”) and the District of Columbia everywhere are also subject to this conversion fee even if they are completed in U.S. currency. Your Liability for Unauthorized Transfers - Contact us at once if you believe the Card has been lost or stolen. Telephoning is the best way to minimize possible losses. If you believe the Card has been lost or stolen, or that someone has transferred or may transfer money from the Card Account without your permission, call 0.000.000.0000. Under Visa Core Rules, your liability for unauthorized Visa debit transactions on the Card Account is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards or PULSE cards are accepted (until such time as long as you do not exceed the available value identity of the Gift cardholder has been registered with us). You must notify us immediately of any unauthorized use. Other Miscellaneous Terms - The Card Account. The Gift Card and your obligations under this Agreement may not be used outside assigned. We may transfer our rights under this Agreement. Use of the U.S. Card is subject to all applicable rules and the District customs of Columbia, including Internet and mail any clearinghouse or telephone order merchants outside the U.S. and the District of Columbiaother association involved in transactions. Some merchants We do not allow cardholders waive our rights by delaying or failing to conduct split transactions where you use exercise them at any time. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the Gift Card as partial payment for goods and services and pay validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the remainder law of the balance with another form State 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 Gift Card Account Delaware except to the Gift Cardextent governed by federal law. Amendment and Cancellation - We may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement on online at xxxxxxxxxxxxxxxx.xxxxxxx.xxx , and any such amendment shall be effective upon such posting to that website. The current Agreement is available at xxxxxxxxxxxxxxxx.xxxxxxx.xxx. You must then arrange to pay will be notified of any change in 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 manner provided by applicable law prior to swiping the Gift Card, the Gift Card is likely to be declined. You do not have the right to stop payment on any purchase or payment transaction originated by use effective date of the Gift Cardchange. If you authorize a transaction and then fail to make However, if the purchase of that item as planned, the approval may result in a hold change is made for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Gift Card number without presenting the Gift Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Gift Card itself. For security reasonspurposes, we can implement such change without prior notice. We may limit cancel or suspend the amount Card or number of transactions you can make on the Gift Card. The Gift Card cannot be redeemed for cashthis Agreement at any time. You may not use cancel this Agreement by returning the Gift Card for online gambling or any illegal transactionto us. Each time you use the Gift Card, you authorize us to reduce the available value Your termination of the Gift Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Gift Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Gift Card, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. New procedures are in effect that may impact you when you use the Gift Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply affect any of our rights or your obligations arising under this Agreement prior to transactions processed on termination. In the PULSE network. Please refer event the Card Account is cancelled, closed, or terminated for any reason, the unused funds will be returned to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Gift Card through a POS terminal, sign the receipt, or provide the 16-digit Gift Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Gift Card number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchasesProgram Manager.