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Rent.com Reward Card Terms and Conditions

Rent.com Reward Visa ® Prepaid Card

The following terms and conditions apply to the $100 reward card.

This information is displayed by Rent.com as a courtesy to the card issuer, Bancorp Bank. The cardholder agreement is between you and Bancorp Bank. If you have any questions about the card once you receive it, please direct them to Bancorp Bank at the contact information listed below.

Bancorp Cardholder Agreement

IMPORTANT — PLEASE READ CAREFULLY

Terms and Conditions/Definitions for the Rent.com Reward Visa ® Prepaid Card

This document constitutes the agreement ("Agreement") outlining the terms and conditions under which the Rent.com Reward 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. "Card" means the Rent.com Reward Visa Prepaid Card issued to you by The Bancorp Bank, Wilmington, Delaware. "Issuer" means The Bancorp Bank or its depository institution affiliate. The Issuer is an FDIC insured member institution. "Card Account" means the records we maintain to account for the value of claims associated with the Card. "You" and "your" mean the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement. "We," "us," and "our" mean the Issuer, our successors, affiliates or assignees. You acknowledge and agree that the value available in the Card Account is limited to the funds that you have loaded into the Card Account or have been loaded into the Card Account on your behalf. You agree to sign the back of the Card immediately upon receipt. The expiration date of the Card is identified on the front of your Card. The Card is a prepaid card. The Card is not a gift card or a gift certificate. You have received this Card as a gratuity without the payment of any monetary value or consideration. You are not the owner of the Card or the funds underlying the Card. Your failure to activate and use the Card results in the loss of all right, title and interest in the Card and the underlying funds. The Card is not connected in any way to any other account. The Card is not a credit card. The Card is not for resale. You will not receive any interest on your funds in the Card Account. The Card will remain the property of the Issuer and must be surrendered upon demand. The Card is nontransferable and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. The Card is not designed for business use, and we may close your Card if we determine that it is being used for business purposes. We may refuse to process any transaction that we believe may violate the terms of this Agreement. Our business days are Monday through Friday, excluding federal holidays, even if we are open.

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

Authorized Users

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

Secondary Cardholder

You may not request an additional Card for another person.

Activation

You must activate your Card before it can be used. You may activate your Card by calling 1-866-255-9754. You will need to provide personal information in order to verify your identity.

Personal Identification Number

You will receive a Personal Identification Number ("PIN") with your Card Account. Your PIN can only be used for Card activation and accessing the Cardholder website. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph labeled "Your Liability for Unauthorized Transfers."

Cash Access

You may not use your Card to obtain cash from an Automated Teller Machine ("ATM"), Point-of-Sale ("POS") device, or by any other means. You may not use your Card at an ATM.

Loading Your Card

Additional funds may not be added to your Card, called "value loading". The minimum amount of the initial value load is $5.00. The maximum amount of the initial value load is $100.00. Your Card is non-reloadable. You will have access to your funds immediately following Card activation.

Using Your Card/Features

The maximum amount that can be spent on your Card per day is $100.00. The maximum value of your Card is restricted to $100.00.

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

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

If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction.

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

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

Returns and Refunds

If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card for such refunds and agree to the refund policy of that merchant. If you have a problem with a purchase that you made with your Card, or if you have a dispute with the merchant, you must handle it directly with the merchant.

Card Replacement

If you need to replace your Card for any reason, please contact us at 1-866-255-9754 to request a replacement Card. You will be required to provide personal information which may include your Card number, full name, transaction history, etc. There is a fee for replacing your Card.

Charges Made In Foreign Currencies

If you make a purchase in a currency other than the currency in which your Card was issued, the amount deducted from your funds will be converted by Visa U.S.A. Inc. into an amount in the currency of your Card. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa U.S.A. Inc. from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa U.S.A. Inc. 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 your Card was issued, the Issuer may assess a foreign currency conversion fee of 3% of the transaction amount and will retain this amount as compensation for its services.

Receipts

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

Card Account Balance/Periodic Statements

You are responsible for keeping track of your Card Account available balance. Merchants generally will not be able to determine your available balance. It's important to know your available balance before making any transaction. You may access your available balance by accessing your Card Account online or by calling 1-866-255-9754. You will not automatically receive paper statements. You may choose to have a paper statement mailed to you by contacting us each time at Cardholder Service, P.O. Box 427, Westmont, IL 60559. However, there is a fee for this service.

Fee Schedule

All fee amounts will be withdrawn from your Card Account and will be assessed as long as there is a remaining balance on your Card Account, except where prohibited by law. Anytime your remaining Card Account balance is less than the fee amount being assessed, the balance of your Card Account will be applied to the fee amount

Cardholder Fees Statement Descriptor Amount
Monthly Maintenance Fee
Waived until expiration
SVC CHG-MONTHLY $5.00 (per month)
Replacement Card Fee SVC CHG REPLACE CARD $25.00 (per Card)
Express Card Shipping (U.S.) SVC CHG EXPED CARD $25.00 (per card)
International Transaction Service Charge SVC CHG INTRNTL TRAN 3% of transaction

Confidentiality

We may disclose information to third parties about your Card or the transactions you make:
(1) Where it is necessary for completing transactions;
(2) In order to verify the existence and condition of your Card for a third party, such as merchant;
(3) In order to comply with government agency, court order, or other legal reporting requirements;
(4) If you give us your written permission; or
(5) To our employees, auditors, affiliates, service providers, or attorneys as needed.

Our Liability for Failure to Complete Transactions

If we do not properly complete a transaction from your Card on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
(1) If through no fault of ours, you do not have enough funds available on your Card to complete the transaction;
(2) If a merchant refuses to accept your Card;
(3) If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;
(4) If access to your Card has been blocked after you reported your Card lost or stolen;
(5) If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
(6) If we have reason to believe the requested transaction is unauthorized;
(7) If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or
(8) Any other exception stated in our Agreement with you.

Your Liability for Unauthorized Transfers

Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us at 1-866-255-9754. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you notify us within two (2) business days and you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by Visa or ATM cash withdrawals. If you notify us within two (2) business days of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00.

Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled "Information About Your Right to Dispute Errors". If you do not notify us in writing within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your Card. If your Card has been lost or stolen, we will close your Card Account to keep losses down.

Other Terms

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

Amendment and Cancellation

We may amend or change the terms and conditions of this Agreement at any time. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. We may cancel or suspend your Card or this Agreement at any time. You may cancel this Agreement by returning the Card to us. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.

In the event that your Card Account is cancelled, closed, or terminated for any reason, you may request the unused balance to be returned to you via a check to the mailing address we have in our records. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00.

Information About Your Right to Dispute Errors

In case of errors or questions about your Card Account, telephone us at 1-866-255-9754 or write to Cardholder Services, P.O. Box 427, Westmont, IL 60559 as soon as you can. If you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt, you must contact us no later than sixty (60) days after the FIRST statement was made available to you on which the problem or error appeared.

1. Provide your name and Card number (if any).
2. Describe the error or the transaction you are unsure about, and explain why you believe it is an error or why you need more information.
3. Provide the dollar amount of the suspected error.

If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Card within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes to complete the investigation. If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not credit your Card. For errors involving new Cards, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. We will tell you the results within three (3) business days after completing the investigation. If we decide that there was no error, we will send you a written explanation. Copies of the documents used in the investigation may be obtained by contacting us at the phone number or address listed at the beginning of this section.

English Language Controls

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

Customer Service

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

Visa Reward Card
Attn: Cardholder Services
P.O. Box 427
Westmont, IL 60559
1-866-255-9754

This Cardholder Agreement is effective 09/2011





This information is displayed by Rent.com as a courtesy to the card issuer, West Suburban Bank. The cardholder agreement is between you and West Suburban Bank. If you have any questions about the card once you receive it, please direct them to West Suburban Bank at the contact information listed below.

West Suburban Bank Cardholder Agreement

The following terms and conditions apply to the $100 reward card.

This information is displayed by Rent.com as a courtesy to the card issuer, West Suburban Bank. The cardholder agreement is between you and West Suburban Bank. If you have any questions about the card once you receive it, please direct them to West Suburban Bank at the contact information listed below.

PLEASE SIGN YOUR CARD IMMEDIATELY.

THE CARD IS NOT A CREDIT CARD.

PROMOTIONAL FUNDS LOADED ON YOUR CARD ARE NOT ACCOUNTS OR DEPOSITS OF WEST SUBURBAN BANK, DO NOT EARN INTEREST AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION.

DO NOT TELL ANYONE YOUR ACTIVATION CODE. YOU WILL BE RESPONSIBLE FOR ALL TRANSACTIONS USING YOUR ACTIVATION CODE AND INITIATED WITH THE CARD OR THE CARD NUMBER.

These TERMS AND CONDITIONS OF USE AND CARDHOLDER AGREEMENT (this "Agreement") and the fee and limit schedule accompanying this Agreement ("Schedule of Fees and Limits") constitute our disclosure to you and an agreement between you and us with respect to our issuance and your use of the enclosed prepaid Visa ® promotional ("Card") loaded with promotional value that has been awarded to you by your rewards program sponsor. Your Card allows electronic access to the prepaid promotional funds and may not be reloaded. The promotional value available on the Card at any one time (your "Available Balance") is limited to the dollar amount of prepaid funds, less withdrawals and amounts deducted for purchases and fees. Your Available Balance is not stored on the Card itself. Instead, it is stored on our computer system. With the Card, you may access your Available Balance anywhere Visa ® debit is accepted.

In this Agreement, "you" or "your" means any person who has received the Card and is authorized to use it as provided for in this Agreement, and "we", "us" or "our" means West Suburban Bank and its successors and assigns. You acknowledge and agree that: (a) you are a U.S. citizen or legal alien residing in one of the 50 states of the U.S. or the District of Columbia with a verifiable U.S. mailing address and (b) you are at least 18 years of age (at least 19 years of age if you are a resident of a state in which the age of majority is 19). In connection with issuance of the Card, we may verify your identity as required by law.

You will be deemed to have accepted the Card and the terms and conditions of this Agreement if you: (a) sign the back of the Card; or (b) purchase or use the Card. If you are underage, your parent or guardian may enter into this Agreement, and you can be the Cardholder. PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY AND KEEP THEM FOR FUTURE REFERENCE.

This Card is issued by West Suburban Bank pursuant to a license from Visa I.S.A. Inc. It is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and you may not use an expired or revoked Card. You must notify us promptly if the Card is lost, stolen or otherwise taken from your control.

This Agreement is governed by applicable federal laws, rules and regulations. To the extent federal law is not applicable, the laws of the State of Illinois govern this Agreement. In the event of any conflict between the provisions of this Agreement and any applicable law or regulation, this Agreement will be deemed modified to the extent necessary to comply with such law or regulation. We may waive any of the provisions or conditions of this Agreement, but any such waiver will be effective only on that occasion and will not be a continuing waiver or a waiver on any other occasion. We can delay enforcement of any of our rights under this Agreement without losing them.

For information with respect to FDIC insurance on your prepaid funds, visit our website at http://prepaidcardholder.com/fd/fdic.html.

Section 1. CONTACT INFORMATION.
Tell us IMMEDIATELY if your Card has been lost or stolen. If you believe your Card has been lost or stolen or that someone has accessed or may access money from your Card without your permission, call or write us at the telephone number or address listed below. Call us toll free 24 hours a day, 7 days a week at 1-866-255-9754
Write us at:

West Suburban Bank
701-711 South Meyers Road
Lombard, Illinois 60148
Attention: Stored Value Program

Section 2. USING YOUR CARD. You may use your Card only after you activate it in the manner provided in the instructions accompanying your Card. You may then use your Card to purchase goods and services anywhere Visa ® debit is accepted. The promotional balance available for authorizing transactions with your Card is the lesser of your Available Balance or any dollar limitation disclosed for the transaction being performed. The Available Balance will be reduced by the amount of your purchase.

Limitations on Use.
You may use your Card only in the manner and for the purposes authorized by this Agreement. You may not use your Card for any illegal purpose, and you may not resell your Card. You may not use your Card for cash at ATMs. We may restrict access to your Card if we notice suspicious activities. If access is denied, you should contact us so that we can discuss and rectify any problems. You are responsible for all authorized transactions using your Card.

You may not use your Card to make a purchase in excess of your Available Balance. If for any reason a purchase occurs that exceeds the value on the Card, you are responsible for repaying us in full, and you authorize us to check your credit history and take any necessary collection action. We may automatically deduct any amount you owe under this Agreement from a future transfer of value to the Card. If we are required to undertake legal proceedings against you because you fail to comply with the terms of this Agreement, you must pay our reasonable attorneys' fees and other costs of the proceedings.

Authorizations and Holds.
Any entity honoring your Card will be required to obtain approval or authorization for any transaction in accordance with the rules of Visa U.S.A., Inc. When an authorization is issued, a thirty-day hold may be placed on the value on the Card in the amount of the authorization. When you use your Card in a tipping environment (at restaurants, bars, barber or beauty shops or for taxis or limos), the amount of authorization may include a tip of up to 20%. A ninety-day hold may be placed on the value on the Card in the amount of the preauthorization request made by hotels and rental merchants. If the authorization request varies from the amount of the transaction the merchant subsequently submits to the Visa ® system, settlement of the transaction may not remove the hold, which may remain on the Card until the hold days have expired. If your Card is subject to a hold, the value on the Card that is subject to the hold will not be available for other purposes.

Card Loading.
Your Card is loaded with prepaid promotional funds provided by the rewards program sponsor at no cost to you. It may not be reloaded.

Foreign Exchange.
If you use your Card for a transaction denominated in a foreign currency, the transaction will be converted to its U.S. dollar equivalent then deducted from your Available Balance. We will convert the foreign currency transaction in accordance with procedures in effect at the time the transaction is processed at a rate determined by Visa U.S.A., Inc. or another recognized system. Visa determines the exchange rate based on a rate selected by Visa from the range available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. A surcharge of 3% will be assessed for all transactions originated in a foreign country.

Balance and Activity Information.
You will not receive regular periodic statements with respect to your Card. You are responsible for keeping track of the transactions on your Card to ensure that you do not exceed your Available Balance. You can review your Available Balance and Activity Report by calling toll-free 1-866-255-9754. This information is available to you 24 hours a day, 7 days a week.

Expiration of Card. Your Card will expire upon the expiration date on the face of the Card. Upon expiration, any promotional value remaining on your Card will be forfeited, unless not permitted by law.

Section 3. FEES AND CHARGES.

We may charge the following fees in the amounts indicated on the Schedule of Fees and Limits provided with your Card. The amount of any fee will be deducted from your Available Balance at the time the fee becomes due or as otherwise indicated.

Card Activation/Issuance Fees. There may be a fee each time we activate or issue a card.

Monthly Maintenance Fees. After you activate your Card, there may be a monthly maintenance fee.

Transaction Fees. There may be a fee each time you use your Card to make a purchase. The amount of such fee may vary based on the type of transaction.

Cash Advance Fees. You may be able to receive a cash advance on your Card at financial institutions throughout the world subject to applicable fees.

Customer Serivce Access Fees. There may be a fee each time you access either our automated or live customer service. The amount of the fee will be deducted from the Available Balance remaining on the Card at the time the fee becomes due.

Online Access Fees. There may be a fee each time you access your Available Balance or Activity Report online or you request a paper statement. The amount of the fee will be deducted from the Available Balance remaining on the Card at the time the fee becomes due.

Lost or Stolen Card Fees. There may be fees charged for the replacement of any lost or stolen Card and for express delivery of a replacement Card. These fees will be deducted from the Available Balance remaining on the Card at the time a replacement Card is issued.

Administrative Fee to Close Card and Transfer. Your Card will expire on the date indicated on its face. If there are any funds remaining on the Card after the expiration, you may choose to transfer the funds to another stored value card. An administrative fee may be charged to close your Card.

Overdraft Fee. A fee may be imposed in the event your Available Balance has a negative amount.

Returned Item Fees A fee may be imposed for each initiated transfer of funds to your Card that is returned to us unpaid. Any such fee will be deducted from the Available Balance, along with the amount of the transfer.

Card-on-File Fee. After you activate your Card, there may be a monthly card-on-file fee. This fee will be waived until the expiration date on your Card.

Section 4. DISCLOSURE OF CARD INFORMATION TO THIRD PARTIES. We will disclose information to third parties about your Card or the transfers you make:

In addition, Cardholder information may be provided to Visa for the purposes of providing certain services, including emergency cash or emergency Card replacement. PLEASE REFER TO THE ENCLOSED INSERT FOR ADDITIONAL INFORMATION CONCERNING OUR INFORMATION COLLECTION AND SHARING PRACTICES AND POLICIES.

Section 5. TELEPHONE AND INTERNET ACCESS TO INFORMATION. You may find your Available Balance or an Activity Report by calling toll-free 1-866-255-9754. Customer service representatives are available 24 hours a day, 7 days a week. A fee in the amount indicated on Schedule of Fees and Limits will be imposed each time you use these services.

Section 6. PREAUTHORIZED TRANSFERS. Unless it is a specific feature of your Card, you will not be able to make preauthorized regular payments with your Card.

Section 7. OUR LIABILITY. If we do not complete a transfer from your Card on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

Section 8. ERROR RESOLUTION. A record detailing your use of your Card ("Activity Report") may be accessed by calling toll-free 1-866-255-9754. In case of errors or questions about your Card or if any Activity Report shows transactions that you did not make, call us as soon as you can at 1-866-255-9754 or write us at:

Bankcard Services
Prepaid Dispute Department
P.O. Box 1481
Madison, Wisconsin 53701

We must hear from you no later than 60 days after we communicated the FIRST Activity Report on which the problem or error appeared.

If you tell us orally, we may require that you send your complaint or question in writing within 10 business days.

We will generally tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your Card within 10 business days for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your Card. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of documents that we used in our investigation.

Section 9. YOUR LIABILITY FOR UNAUTHORIZED USE. IF YOU BELIEVE THAT YOUR CARD HAS BEEN STOLEN, OR THAT SOMEONE HAS TRANSFERRED OR MAY TRANSFER MONEY FROM YOUR CARD WITHOUT YOUR PERMISSION, CALL US AT ONCE TOLL-FREE AT 1-866-255-9754. Calling is the best way to keep your losses down. If your Card has been lost or stolen, we will close your Card to minimize losses.

If you tell us within 2 business days after you learn of the theft or loss, you can lose no more than $50 if someone used your Card without your permission. If you do NOT ocntact us promptly after you learn of the loss or theft of your Card, and we can prove your notice could have stopped someone from using your Card, you could lose as much as $500 (or, if less, the full amount of value stored on the Card).

Under Visa's zero liability policy: you must reasonably demonstrated that you exercised reasonable care in safeguarding your Card from risk of loss and theft; your Card must be in good standing (e.g., not presently or recently overdrawn, and not presently or recently under suspicion of possible illegal or suspicious use); and we cannot have received more than one other report of unauthorized use of your Card in the last 12 months; and, if we do not collect personal information about you for your security, you must be able to provide information about your Card transactions so that we may verify that you are in fact the Cardholder. For this policy to apply, the unauthorized use of your Card must have been processed directly through Visa and not

If you do NOT contact us promptly after you learn of the loss or theft of your Card, and we can prove your notice could have stopped someone from using your Card, you could lose as much as $50 (or, if less, the full amount of value stored on the Card). Under Visa's zero liability policy: you must reasonably demonstrate that you exercised reasonable care in safeguarding your Card from risk of loss and theft; your Card must be in good standing (e.g., not presently or recently overdrawn, and not presently or recently under suspicion of possible illegal or suspicious use); and we cannot have received more than one other report of unauthorized use of your Card in the last 12 months; and, if we do not collect personal information about you for your security, you must be able to provide information about your Card transactions so that we may verify that you are in fact the Cardholder. For this policy to apply, the unauthorized use of your Card must have been processed directly through Visa and not through another financial institution's or a third party's non-Visa network.

Section 10. AMENDMENT. We can change this Agreement, including all fees, at any time, and such changes will be binding on you. If required by law, we will give you written notice of the change prior to the effective date of the change. However, if the change is made for security purposes or as a result of changes in fees, changes or costs imposed by any party other than us, we can implement it without prior notice. Your use of the Card constitutes acceptance of any amendment implemented by us.

Section 11. OUR RIGHT TO SET-OFF. If you ever owe us money as a borrower, guarantor, or otherwise, and it becomes due, we have the right under the law (called set-off) to use the money from your account to pay the debt. We may charge against any of your accounts any debt you owe us, now or in the future, without going through any legal process or court proceedings.

Section 12. TERMINATION. We reserve the right to terminate this Agreement or any of the services that are described herein in the event we choose to discontinue this promotional card program. If we discontinue honoring your Card, you should call us at 1-866-255-9754 for further instructions. You may, at any time, terminate this Agreement, or any of the services to which you subscribe by giving us written notice. Termination will not affect any of our rights or your obligations arising under this Agreement prior to termination.

Section 13. ARBITRATION. PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES.

Agreement to Arbitrate. Either you or we may, without the other's consent, elect mandatory, binding arbitration for any claim, dispute, or controversy between you and us (called "Claims").

Claims Covered.

How Arbitration Works.

SCHEDULE OF FEES and LIMITS

Mail Return Card Fees $10.00 per card
Lost or Stolen Card Fees $25.00 per card
Express Delivery of Replacement Card $25.00 per card
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