Cardholder Agreement Sample Contracts

Cardholder Agreement and Disclosure Statement
Cardholder Agreement • December 20th, 2016 • Virginia

DEFINITIONS. The “Card” means the Pentagon Federal Credit Union (PenFed) credit card which we issue to you under this Agreement, and includes any device or check used to obtain credit or cash from the account. An Autho- rized User is an individual receiving a Card, but who has no responsibility for payment of the Account. The words “you”, “your” and “cardholder” mean each person, jointly and in- dividually who holds, signs, retains, uses, or permits others to use or sign a card. The words “our”, “we” and “us” mean PenFed or any of its assignees. Unless otherwise stated, “Ac- count” means your Card account with us.

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CARDHOLDER AGREEMENT
Cardholder Agreement • August 12th, 2024

This Cardholder Agreement (“Agreement”) sets forth the terms and conditions under which Axiom Bank, N.A. (“Axiom Bank” or “Issuer”) has issued the VirtCC Prepaid Mastercard® to you.

CARDHOLDER AGREEMENT IMPORTANT – PLEASE READ CAREFULLY
Cardholder Agreement • May 6th, 2023

This Cardholder Agreement (“Agreement”) outlines the terms and conditions under which the Visa Reward Card has been issued to you by The Bancorp Bank, Wilmington, Delaware (“The Bancorp Bank” or “Issuer”). The Issuer is an FDIC insured member institution. “Card” means the non-reloadable Visa Reward Card issued to you by The Bancorp Bank. By accepting and using the Card, you agree to be bound by the terms and conditions contained in this Agreement. “Card Account” means the records we maintain to account for the value of claims associated with the Card. “You” and “your” mean the person or persons who have received the Card and are authorized to use

VISA CASH REWARDS - Cardholder Agreement & Disclosure
Cardholder Agreement • August 2nd, 2019

Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) forPurchases 16.50% to 20.50% Variable APR ANNUAL PERCENTAGERATE (APR) for Balance Transfers 17.99%FIXED APR ANNUAL PERCENTAGERATE (APR) for Cash Advances 17.99%FIXED APR Penalty APR and When it Applies 18.00%FIXED APR. This APR may be applied to Your Account if you make a late payment. How Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until You make six consecutive monthly minimum payments on or before the due date. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge None For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card,

Cardholder Agreement
Cardholder Agreement • March 29th, 2023

This Agreement is your contract. It contains disclosures required by the Federal Truth in Lending Act, Military Lending Act, and other applicable law. Please read all of it and keep it for your records because, when you have accepted, signed or used your Card, or the Account, you have agreed to the terms of the Agreement.

450, De Maisonneuve Blvd West, Montreal (QC) H3A 0H2 20718A_B (06/2023)
Cardholder Agreement • June 6th, 2023

CARDHOLDER AGREEMENT FOR THE FOLLOWING CARDS: DESJARDINS CASH BACK VISA, DESJARDINS CASH BACK MASTERCARD*, DESJARDINS BONUS VISA, DESJARDINS CASH BACK WORLD ELITE MASTERCARD, DESJARDINS ODYSSEY GOLD VISA AND DESJARDINS ODYSSEY WORLD ELITE MASTERCARD.

Cardholder Agreement
Cardholder Agreement • December 29th, 2020 • Pennsylvania

This Cardholder Agreement, including the Schedule of Fees and charges (collectively referred to as this “Agreement”), sets forth the terms of your prepaid card and any secondary card or companion card that may be issued to you or to another person that you specify (each a "Card"). Please read it carefully and retain it for your records. Your card is issued by DOLLAR BANK ("Bank") pursuant to a license from MasterCard International Incorporated.

BRAVEN HEALTH MASTERCARD® PREPAID CARDHOLDER AGREEMENT IMPORTANT TERMS AND CONDITIONS PLEASE READ CAREFULLY‌
Cardholder Agreement • December 8th, 2023 • Oklahoma

NOTICE: THIS CARDHOLDER AGREEMENT CONTAINS AN ARBITRATION CLAUSE. PLEASE READ THIS PROVISION CAREFULLY, AS IT AFFECTS YOUR LEGAL RIGHTS. IT PROVIDES THAT ANY CLAIM RELATING TO YOUR ACCOUNT MAY BE RESOLVED BY BINDING ARBITRATION. YOU ARE ENTITLED TO A FAIR HEARING, BUT THE ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT, AND ARBITRATION DECISIONS ARE SUBJECT TO VERY LIMITED REVIEW.

KITTRELL PAYCARD (LaborMax) Visa® PREPAID CARDHOLDER AGREEMENT IMPORTANT TERMS AND CONDITIONS - PLEASE READ CAREFULLY
Cardholder Agreement • November 2nd, 2022 • Oklahoma

NOTICE: THIS CARDHOLDER AGREEMENT CONTAINS AN ARBITRATION CLAUSE. PLEASE READ THIS PROVISION CAREFULLY, AS IT AFFECTS YOUR LEGAL RIGHTS. IT PROVIDES THAT ANY CLAIM RELATING TO YOUR ACCOUNT MAY BE RESOLVED BY BINDING ARBITRATION. YOU ARE ENTITLED TO A FAIR HEARING, BUT THE ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT, AND ARBITRATION DECISIONS ARE SUBJECT TO VERY LIMITED REVIEW.

CARDHOLDER AGREEMENT FOR THE FOLLOWING CARD: DESJARDINS FLEXI VISA
Cardholder Agreement • November 2nd, 2023

This table does not contain all of the information about your credit card. See your credit card contract for more information.

YOUR WALMART REWARDS™ MASTERCARD® CARDHOLDER AGREEMENT
Cardholder Agreement • July 17th, 2023 • Ontario

This Agreement is a helpful document that describes the terms and conditions associated with your Walmart Rewards Mastercard account, and any Cards, including any renewal and replacement cards, and Convenience Cheques that we may issue for your account. This Agreement replaces any previous cardholder agreement provided to you in connection with your account. By signing, activating, or using your Card or accessing your account in any way, you are accepting the terms and conditions of this Agreement, which includes the Disclosure Statement (available online at walmartrewards.ca).

This document contains important and useful information about your TD Aeroplan Visa Infinite Card.‌
Cardholder Agreement • September 14th, 2020

This Cardholder Agreement is between you and The Toronto-Dominion Bank (the Bank, we, us or our). It applies to the Card and the Account including when you use the Card or Account.

CARDHOLDER AGREEMENT
Cardholder Agreement • March 14th, 2016 • Ontario

Terms, Conditions and Definitions for the Prepaid Visa® Card - This document constitutes the agreement (“Agreement”) outlining the terms and conditions under which a non-personalized Prepaid Visa Card and/or personalized Prepaid Visa Card has been issued to you. By accepting and using the Card, you agree to be bound by the terms and conditions contained in this Agreement.

CARDHOLDER AGREEMENT IMPORTANT – PLEASE READ CAREFULLY
Cardholder Agreement • November 18th, 2020 • Delaware

This Cardholder Agreement (“Agreement”) outlines the terms and conditions under which the Target Mastercard Gift Card (the “Gift Card”) has been issued by The Bancorp Bank, Wilmington, Delaware (the “The Bancorp Bank” or “Issuer”). The Issuer is an FDIC insured member institution. By accepting and using the Gift Card, you agree to be bound by the terms and conditions contained in this Agreement. “Gift Card Account” means the records we maintain to account for the value of claims associated with the Gift Card. “You” and “your” mean the person or persons who receive the Gift Card and are authorized to use it as provided for in this Agreement. “We,” “us,” and “our” mean the Issuer, our successors, affiliates or assignees. InComm Financial Services, Inc., P.O. Box 826, Fortson, Georgia 31808 is the entity managing the Gift Card program (“Program Manager”). You acknowledge and agree that the value available in the Gift Card Account is limited to the funds that have been loaded into the Gift

CARDHOLDER AGREEMENT
Cardholder Agreement • February 26th, 2019

This Cardholder Agreement (“Agreement”) is the terms and conditions governing our issuance and your use of your Premier Gift MasterCard card (“Card”). Keep this document for future reference. In this Agreement, “you” and “your” mean any person who received the Card or is authorized to use it as provided for in this Agreement. If there is more than one of you, you are each jointly and severally liable for all obligations, regardless of which of you uses the Card or benefits from that use. “We, ”“us,” and “our” mean the issuing financial institution listed on the back on this agreement. “TransCard” means, the third party that administers the Card program and with whom you activated the Card with. By activating the Card, signing the back of the Card, using the Card, or allowing someone else to use the Card means you accept and agree to be bound by the terms and conditions contained in this Agreement.

CARDHOLDER AGREEMENT
Cardholder Agreement • May 15th, 2024
Blxck Capital by Epay Prepaid Mastercard Cardholder Agreement
Cardholder Agreement • November 15th, 2023
Akimbo Now Promo Mastercard® Cardholder Agreement Important: Please read this Agreement carefully and keep it for your records.
Cardholder Agreement • April 9th, 2023

This document constitutes the agreement (“Agreement”) outlining the terms and conditions under which this Akimbo Now Promo Mastercard® has been issued to you. The Card is issued by Sunrise Banks N.A., Member FDIC, St. Paul, MN 55103, pursuant to a license from MasterCard International Incorporated.

FUBON BANK VISA/MASTERCARD CARDHOLDER AGREEMENT
Cardholder Agreement • February 19th, 2020 • Hong Kong

The Card is issued by the Bank to you as a Cardholder, the use of which is governed by the following terms and conditions set out in this Cardholder Agreement (including Terms and Conditions for the Phone Banking Service and List of Service Charges which form parts of this Agreement) ("this Agreement"). Please read it carefully before you use any of the Card (as defined below). Upon using any of the Card, you will be deemed to have accepted all the terms and conditions contained in this Agreement and will be bound by them.

CARDHOLDER AGREEMENT
Cardholder Agreement • June 26th, 2019 • Ontario

Terms, Conditions and Definitions for the Prepaid Visa® Card - This document constitutes the agreement (“Agreement”) outlining the terms and conditions under which a non-personalized Prepaid Visa Card and/or personalized Prepaid Visa Card has been issued to you. By accepting and using the Card, you agree to be bound by the terms and conditions contained in this Agreement.

CARDHOLDER AGREEMENT Consumer
Cardholder Agreement • June 24th, 2019 • Oklahoma
CARDHOLDER AGREEMENT
Cardholder Agreement • October 16th, 2021 • Ontario

Terms, Conditions and Definitions for the Visa® Prepaid Card - This document constitutes the agreement (“Agreement”) outlining the terms and conditions under which a non-personalized Visa Prepaid Card and/or personalized Visa Prepaid Card has been issued to you. By accepting and using the Card, you agree to be bound by the terms and conditions contained in this Agreement.

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CUMONEY® Visa® Everyday Spend Card Cardholder Agreement
Cardholder Agreement • April 4th, 2024 • Illinois

This cardholder agreement (“Agreement”) sets forth the rights and responsibilities of your CUMONEY Visa Everyday Spend Card (“Card”). Your Card was issued by Services Credit Union (“SCU”). ICUL Service Corporation (“Envisant”) administers the CUMONEY Visa Everyday Spend Card program. In this Agreement, “you” and “your” mean the cardholder and “we” “us” and “our” mean SCU and/or Envisant. This Card is not a credit union membership account, does not earn dividends, and is not federally insured with the National Credit Union Administration. SCU is insured by American Share Insurance. “ATM” means any terminal at which you use your Card to access your Card funds. “Funds Balance” means an amount equal to the United States Dollar amount you add to your Card initially and from time to time thereafter, minus any amount obtained by you through the use of your Card, and minus any fees, charges, conversion fees and other expenses incurred in connection with your Card.

CARDHOLDER AGREEMENT AND DISCLOSURE
Cardholder Agreement • June 28th, 2017

In this statement, the words "I", "me" , and "my" mean the person whose name is embossed on the card(s). "You" and "your" mean WESTMARK CREDIT UNION.

Reward Card Cardholder Agreement (Effective 1/1/2017)
Cardholder Agreement • December 2nd, 2016

The Reward Card (“Card”) is a non-reloadable Visa or MasterCard branded prepaid card issued by U.S. Bank National Association (“U.S. Bank”) that is loaded with value and given to you as authorized and determined solely by an organization in connection with a loyalty,

Cardholder Agreement IMPORTANT – PLEASE READ CAREFULLY
Cardholder Agreement • October 26th, 2022

This Cardholder Agreement contains an Arbitration Clause requiring all claims to be resolved by way of binding arbitration.

Cardholder Agreement Perjanjian Pemegang Kad
Cardholder Agreement • August 4th, 2023

Clause 1 - Definitions 3 Clause 2 - Issuance of Card 4 Clause 3 - Compliance and Acknowledgement of Cardholder 4 Clause 4 - Suspension, Cancellation and Termination 5 Clause 5 - Cardholder’s Responsibilities, Disclosure of PIN, Theft, Loss or Unauthorised Use of Card 6 Clause 6 - Replacement/Renewal of Card 6 Clause 7 - Contactless Transactions 6 Clause 8 - Limit of Cash Advances, Purchases and Transactions 7 Clause 9 - Other Fees/Charges 7 Clause 10 - Government Taxes and/or statutory/regulatory imposed charges, fees etc 7 Clause 11 - Compliance with Tax requirement 7 Clause 12 - Records of Transaction 7 Clause 13 - ATM Transactions 8 Clause 14 - Overseas Transactions 8 Clause 15 - Statement of Account 8 Clause 16 - Cash Advances 9 Clause 17 - Finance Charges 9 Clause 18 - Late Payment Charges 9 Clause 19 - Balance of Card Account Due 10 Clause 20 - Application of Payment 10 Clause 21 - Waiver 10 Clause 22 - Payments by Cheques 10 Clause 23 - Supplementary Cards 10 Clause 24 - Set-off

Contract
Cardholder Agreement • September 1st, 2022

TABLE OF CONTENTS Introduction Page 1 Fees and Charges Page 3 Interest Charges Page 4 Account Features Page 5 Payments Page 5 Default Page 7 Other Important Information and Terms Page 7 Your Billing Rights Page 10

This document contains important and useful information about your TD U.S. Dollar Visa Card.‌
Cardholder Agreement • March 24th, 2020

This Cardholder Agreement is between you and The Toronto-Dominion Bank (the Bank, we, us or our). It applies to the Card and the Account including when you use the Card or Account.

HANCOCK WHITNEY BANK CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT
Cardholder Agreement • June 12th, 2018 • Louisiana

This Cardholder Agreement and Disclosure Statement is the contract that governs the use of a Hancock Whitney Preferred Visa® Platinum Card Account. This Cardholder Agreement and Disclosure Statement contains

Cardholder Agreement
Cardholder Agreement • September 18th, 2017 • Minnesota

This Cardholder Agreement, including the Schedule of Fees and Charges, and any Privacy Notice provided to you by us (collectively referred to as this "Agreement"), sets forth the terms of your JPay Prepaid MasterCard®. Please read it carefully and retain it for your records. Your Card is issued by Sunrise Banks N.A., Member FDIC, pursuant to a license from MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder agreement.

Cardholder Agreement
Cardholder Agreement • December 19th, 2022

This document is our standard form credit card agreement in effect on the last business day of the previous calendar month that ended on December 30, 2022, and has been supplemented with pricing information in the “Terms and Conditions” located under the Disclosures section on www.farmbureau.bank. These documents are provided to you for informational purposes only. These account terms may not be available after the above date. If you apply and are approved for a credit card account with us, your actual account terms will be based on the terms of the offer available at the time that you applied, and your Cardholder Agreement will be the agreement sent to you when your account is first opened.

The Optimum Prepaid Mastercard® Card Agreement
Cardholder Agreement • January 23rd, 2023

Please read this Agreement carefully before you activate your Card. This information forms the Agreement for your Optimum Prepaid Mastercard. By activating your Card you accept this Agreement. If there is anything you do not understand or do not agree with, please contact Customer Services using the contact details in paragraph 22 of this Agreement. If you are under 18, we strongly recommend that you speak to your parent or guardian before you activate your Card.

CARDHOLDER AGREEMENT IMPORTANT – PLEASE READ CAREFULLY
Cardholder Agreement • April 26th, 2023

This Cardholder Agreement contains an Arbitration Clause requiring all claims to be resolved by way of binding arbitration.

CARDHOLDER AGREEMENT‌
Cardholder Agreement • March 19th, 2020

CUSTOMER INFORMATION & AGREEMENT By signing this agreement, the undersigned Customer acknowledges having (i) received and read the entire agreement, (ii) accepted the terms and conditions set outherein, and (iii) agreed to the card fees detailed herein. DCBank's acceptance of this agreement and the Cardholder Agreement (if fully completed) shall be evidenced by the issuance of a Card to Customer and the activation of that Card for use by Customer. Customer First Name: Customer Middle Name: Customer Last Name: Customer Phone Number (Home): Customer Phone Number (Work or other): Customer Street Address: City: Province: Postal Code: Customer Occupation: Customer Birthdate: Cell Phone Number: Customer Email: Customer's Signature: Date:

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