This Cardholder Agreement (“Agreement”) outlines the terms and conditions under which the AccountNow Gold Visa Prepaid Card or AchieveCard Visa Prepaid Card has been issued to you by The Bancorp Bank, Wilmington, Delaware (“Bank”). The Bank is an FDIC insured member institution. “Card” means the AccountNow Gold Visa Prepaid Card or AchieveCard Visa Prepaid Card issued to you by the 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 the Bank maintains 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 Bank, our successors, affiliates, or assignees. Green Dot Corporation is the entity managing the Card program (“Program Manager”). You acknowledge and agree that the value available in the Card Account is limited to the funds you have loaded to the Card Account. You agree to sign the back of the Card immediately upon receipt. The expiration date of the Card is identified on the front of the Card. The Card is a prepaid card. 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 remains the property of the Bank 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 the Bank may close your Card Account if it is determined it is being used for business purposes. The Bank may refuse to process any transaction that it is believed may violate the terms of this Agreement.

The Bank’s business days are Monday through Friday, excluding federal holidays, even if we are open. Any references to “days” found in this Agreement are calendar days unless indicated otherwise.

Write down your Card number and your Card program’s Customer Service phone number provided in this Agreement on a separate piece of paper in case your Card is lost, stolen, or destroyed. Keep the paper in a safe place. Please read this Agreement carefully and keep it for future reference.

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.

You should not write or keep your PIN with your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in Section 23 below.

If you receive a replacement Card, you may need to select a new PIN when you activate it. If so, follow the instructions accompanying the replacement Card. For information on replacing the Card, see Section 15 below.

You are responsible for all authorized transactions initiated and fees incurred by use of your Card. You may not request a new, additional Card for another person, other than a replacement Card for an existing, additional cardholder. However, if you permit another person to have access to your Card or Card number(s), 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, even if they exceed the authorization granted. You are wholly responsible for the use of each Card according to the terms and conditions of this Agreement.

By activating the Card or by retaining, using, or authorizing the use of the Card, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States (“U.S.”) or the District of Columbia; (iii) you have provided us with a verifiable street address in the U.S. or the District of Columbia (not a P.O. Box); (iv) the personal information you provide to us in connection with the Card is true, correct, and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.

LIMITS ON BALANCE, LOADS, WITHDRAWALS, AND SPENDING
Balance and Load Limits	Limit*	Frequency*
Maximum Card balance at any time	$10,000.00	Not applicable
Cash Loads**	$1,500.00 per day	None
Withdrawal Limits
Maximum amount of Automated Teller Machine (“ATM”) cash withdrawals**	$500.00 per day	5 per day
Maximum amount of over-the-counter cash withdrawals**	$1,000.00 per day	5 per day
Maximum amount of Card-to-Card transfers	$300.00 per day	3 per day
Spending Limits
Maximum amount of point-of-sale (“POS”) signature**	$2,000.00 per day	15 per day
Maximum amount of POS PIN transactions (including cash-back transactions)**	$2,000.00 per day	15 per day
* For purposes of the limits described in this Section 6, “day” means calendar day. ** Third parties, such as ATM owners or operators, third-party bank tellers, and merchants, may impose additional limitations.

In addition to the foregoing limits, the Card cannot be used at ATMs or merchants outside of the U.S. and the District of Columbia (except that the Card may be used at online merchants based outside of the U.S. and the District of Columbia). In addition, to prevent fraud and maintain the security of the Card Account, additional limits apply to the use of the Card. For fraud and security reasons, additional limits may be imposed at any time and without notice, on the amount, number, and type of transactions you can make with the Card and on any funding or loading of the Card. The Bank may refuse to process any transaction that it is believed may violate the law or the terms of this Agreement.

With your PIN, you may use the Card to obtain cash from domestic ATMs and POS devices, as permissible by a merchant, bearing the participating network acceptance mark(s). To obtain a list of participating networks for the AccountNow Gold Visa Prepaid Card, visit https://www.accountnow.com/services/find-atm.aspx or call the Card program’s Customer Service phone number. To obtain a list of participating networks for the AchieveCard Visa Prepaid Card, visit https://login.achievecard.com/cholder/ or call the Card program’s Customer Service phone number. All ATM transactions are treated as cash withdrawal transactions. The Card may be used at a domestic ATM and withdraw funds from a participating bank (a “teller cash withdrawal”). Any funds withdrawn from a POS device will be subject to the maximum amount that can be spent on the Card per day. See Section 6 above for more information about transaction limits.

Subject to the limitations described in Section 6 appearing above, you may load funds to the Card at any time by: (i) authorizing a deposit through the Automated Clearing House ("ACH") network (e.g., direct deposit of your wages, government benefits, and tax refunds); (ii) tendering cash at an authorized reload location (a list of locations is available after you log in to your account on your Card program website shown at the beginning of this Agreement (“Card Program Website”) or by calling your Card program’s Customer Service phone number); (iii) receiving funds from another Card through use of the Card-to-Card transfer service, which allows the transfer of funds between Card Accounts at the Card Program Website (“Card-to-Card Transfer Service”); and (iv) depositing eligible checks using a third-party mobile check load provider’s service, such deposits being subject to the third-party provider’s terms and conditions, which may be amended from time-to-time. For more information about direct deposit transactions, see Section 9 below. Cash reloads will generally be available in the Card Account within ten (10) minutes of completing the transaction at an authorized reload location. Funds transferred using the Card-to-Card Transfer Service will generally be available in the Card Account within five (5) minutes of when the sender completed the transaction. If you arrange to have funds transferred directly to the Card from a third party through an ACH credit, you must provide the third party with the Bank’s routing number and the direct deposit account number assigned to the Card Account. Obtain these numbers by logging in to your account on the Card Program Website or by contacting Customer Service. The 16-digit number embossed on the Card cannot be used for direct deposit transactions. You may be required to present the Card and satisfy certain identification requirements in order to complete a load transaction.

At our discretion, a load in excess of the limits described in Section 6 above, including the maximum value limit, may be allowed to post to the Card Account. However, if such a load is allowed on one occasion, there is no guarantee that any load(s), in any form, in excess of the disclosed limit will be allowed in the future. The Bank will not accept personal checks, cashier’s checks, or money orders for deposit to the Card Account. All such checks and money orders sent to the Bank will be returned unless the full amount may be applied toward a negative balance, in which case the check or money order may or may not be loaded to the Card at the discretion of the Bank.

If you have arranged to have direct deposits made to the Card Account at least once every sixty (60) days from the same person or company, the person or company making the payment should tell you every time they send the direct deposit to the Card Account. You can also call Customer Service to find out whether or not the deposit has been made. Funds from direct deposits will generally be available on the day the Bank receives the transfer. In case of transmission error, or transfer irregularity, your ability to withdraw funds may be delayed. If this occurs, then funds will generally be available within five (5) business days after the Bank receives the transfer. At our discretion, the Bank reserves the right to reject or limit transfers made by direct deposit and may reject or suspend any direct deposit that has identifying information that does not match the identifying information (such as name or Social Security number) that is on file for you.

You may use the Bank’s routing number and the direct deposit account number assigned to the Card Account to arrange preauthorized direct debits from merchants, Internet service or other utility service providers, or other payees (each, a “Merchant”) and, as described in Section 9 above, for the purpose of initiating direct deposits to the Card Account. The direct deposit account number is 13 digits for the AccountNow Gold Visa Prepaid Card and 11 digits for the AchieveCard Visa Prepaid Card. You may also arrange to make recurring payments to Merchants using the 16-digit number embossed on the Card or by using the bill pay service (see Section 12 below).

Right to Stop Payment and Procedure for Doing So: To stop a recurring payment to a Merchant you have preauthorized to debit the Card Account, you should first contact the Merchant to request the recurring payment be cancelled. If you arranged for recurring payments to a Merchant using the bill pay service available through the third-party service provider, you should first contact the applicable third-party service provider to cancel the recurring payment.

If the Merchant or bill payment service provider with whom you have arranged recurring payments from the Card Account is unable or unwilling to stop the payment, you can stop these payments. Here’s how: call or write us at the Customer Service phone number or address shown at the beginning of this Agreement that is associated with your Card in time for us to receive your request at least three (3) business days before the payment is scheduled to be made. If we do not receive your request at least three (3) business days before the scheduled payment date, we may attempt, in our sole discretion, to stop the payment. However, we assume no responsibility for our failure or refusal to do so, even if we accept your stop payment request. If you call, we may also require you to put your stop payment request in writing and get it to us within fourteen (14) days after you call. If we do not receive the written request within fourteen (14) days after you call, we may honor subsequent payments from the Card Account. Unless you tell us that all future payments to a specific recipient are to be stopped, we may treat your stop-payment order as a request concerning one (1) specific payment only. There is a fee associated with each stop payment order you give. For information about the fee, see the fee schedule in Section 20 below.

Notice of Varying Amounts: If recurring payments you authorize might vary in amount, the person you are going to pay should tell you the payment date and the amount of the payment at least ten (10) days before each payment is scheduled to take place. Please note that the person you are going to pay may give you the option of receiving notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside of certain limits that you set.

Liability for Failure to Stop Payment of Preauthorized Transfer: If you order us to stop a preauthorized payment from the Card Account at least three (3) business days before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages to the extent provided in this Agreement or required by law.

Subject to the limitations described in Section 6 above and other terms and conditions set forth in this Agreement, you may use the Card to purchase or lease goods or services everywhere Visa debit cards are accepted as long as you do not exceed the available value of the Card Account and other restrictions (see examples described below) do not apply. Some merchants do not allow cardholders to conduct split transactions by using the Card as partial payment for goods and services and paying the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card Account 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 or dipping the Card, the 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 $125.00 or more. If the Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Card at a restaurant or 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 places 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 hold on the preauthorized amount 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.

Except as expressly provided in both the “Right to Stop Payment and Procedure for Doing So” subsection of Section 10 above, and also in Section 12 below, you do not have the right to stop payment on any purchase or payment transaction originated by use of the Card. 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.

If you use the 16-digit Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the 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, with or without prior notice, limit the type, amount, or number of transactions you can make using the 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 Card cannot be redeemed for cash.

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

We may decline to complete or delay a transaction related to the Card Account if: (i) we believe it may involve or result in a violation of applicable law or expose us to liability or risk of loss; (ii) the transaction instructions or authorization are unclear, ambiguous, or incomplete; (iii) we identify a fraud or security risk involving the transaction; or (iv) as otherwise stated in this Agreement. We are not responsible for any losses or damages that may result from our delay or cancellation of a transaction or for any failure to notify you of such delay or cancellation, except as otherwise expressly provided in this Agreement.

You may pay bills online using the Card Account. To do so, you must first register for the bill pay service (“Bill Pay”) at the Card Program Website.

Bill Pay is provided by a third-party service provider. To use Bill Pay, you must agree to the terms and conditions the service provider has established and may amend from time to time. These terms and conditions, including any applicable fees, will be provided to you when you register for the service. IMPORTANT: The expedited Bill Pay service is not available for AchieveCard Visa Prepaid Card customers.

You may cancel a single or recurring Bill Pay transaction after it is scheduled, but before it is paid by calling or writing to Customer Service.

For more information on how to stop payments, see the “Right to Stop Payment and Procedure for Doing So” subsection of Section 10 above.

Procedures are in effect that may impact you when you use the Card at certain merchant locations. In the past, transactions were 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 a non-Visa debit transaction. To obtain a list of non-Visa networks for the AccountNow Gold Visa Prepaid Card, visit https://www.accountnow.com/services/find-atm.aspx or call the Card program’s Customer Service phone number. To obtain a list of non-Visa networks for the AchieveCard Visa Prepaid Card, visit the Card Program Website or call the Card program’s Customer Service phone number.

The merchant is responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if it supports the option. Please be advised that should you choose to use a network other than Visa 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 by another network. Please refer to Section 23 below for a description of the rights and protections applicable to Visa debit transactions and non-Visa debit transactions.

To initiate a Visa debit transaction at a POS, swipe or dip the Card at the POS terminal, sign the receipt, or provide the 16-digit Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at a POS, enter your PIN at the POS terminal or provide the 16-digit Card number after clearly indicating a preference to route your transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

If you are entitled to a refund for any reason for goods or services purchased 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 Bank nor Program Manager is responsible for the delivery, quality, safety, legality, or any other aspects of goods or services you purchase from merchants with the Card. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided.

If you need to replace the Card, or any existing additional cardholder’s Card, for any reason except at Card expiration, please call Customer Service to request a replacement Card. You will be required to provide personal information, which may include the 16-digit number embossed on the Card, your full name, transaction history, and copies of acceptable identification. You must activate any replacement Card before it can be used by following the activation instructions provided with the replacement Card, and by providing the requested personal information so we can verify your identity. There is a fee for replacing a lost, stolen, or damaged Card. For information about the fee, see Section 20 below. A fee may also be assessed for expedited delivery of a replacement Card; for more information about the delivery options and applicable fees, see Section 20 below. For information on replacing an expired Card, see Section 16 below.

The Card will expire no sooner than the date printed on the front of it. The funds on the Card do not expire. You will not be able to use the Card after its expiration date; however, a replacement Card will automatically be mailed to you prior to the expiration of the soon-to-expire Card. If you need a replacement Card for any reason other than the Card’s expiration, you may request one at any time by following the procedures in Section 15 above. There is a fee for replacing the Card. For information about the fee, see Section 20 below.

International use of the Card is restricted to online merchants based outside of the U.S. and the District of Columbia. If you conduct a transaction with the Card at online merchants based outside of the U.S. and the District of Columbia in a currency other than U.S. dollars, the merchant, network, or card association that processes the transaction may convert any related debit or credit into U.S. dollars in accordance with its then-current policies. Visa currently uses a conversion rate that is either: (i) selected from a range of rates available in the wholesale currency markets (note: this rate may be different from the rate the association itself receives) or (ii) a government-mandated rate. The conversion rate may be different from the rate in effect on the date of your transaction and the date it is posted to the Card Account. In addition to the conversion rate, the Bank will impose a charge equal to 3% of the transaction amount (including credits and reversals) for each transaction (U.S. or foreign currency) that you conduct outside the U.S.

You should get a receipt at the time you make a transaction using the Card. However, you may not be provided with a receipt for some small transactions. You agree to retain, verify, and reconcile your transactions and receipts.

You are responsible for keeping track of the available balance of the Card Account. 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 obtain information about the amount of money you have remaining in the Card Account by calling Customer Service. This information, along with a twelve (12) month history of Card Account transactions, is also available online at the Card Program Website. You also have a right to obtain at least twenty-four (24) months of written Card Account transactions by calling or writing to Customer Service. You will not automatically receive periodic statements for the Card.

All fees incurred will be deducted from the Card Account balance, except where prohibited by law. NOTE: Fees assessed to the Card Account balance may bring your Card Account negative. Any time the Card Account balance is less than the fee amount being assessed, the balance of the Card Account will be applied to the fee amount. THIS WILL RESULT IN A NEGATIVE BALANCE ON THE CARD ACCOUNT. If that occurs, any subsequent deposits or loads into the Card Account will first be applied to the negative balance.

List of all fees for AccountNow Gold Visa Prepaid Card and AchieveCard Visa Prepaid Card

All fees	Amount	Details
Monthly usage
Monthly fee	$9.95	Your first monthly cycle lasts for 30 days and begins on the date you first load funds on your Card. Each subsequent monthly cycle will end on the same day of the month each month. The Monthly Fee will be assessed at the time of the first load of funds on your Card and charged on the same day of each subsequent month on the first day of your monthly billing cycle thereafter. The fee descriptor that will be shown on transaction histories is: AccountNow: (SVC CHG-MONTHLY) or AchieveCard: (Account Maintenance).
Add money
Direct deposit	$0.00	No fee for direct deposit.
Cash reload	$5.95	A fee of up to $5.95 may be collected by our reload agents when reloading your Card Account at their locations. This fee is charged by the reload agent and is subject to change. This fee is not deducted from the Card Account and will not be reflected in any electronic or written account transaction histories. To find a list of reload locations, log in to your Card Account at the Card Program Website.
Mobile check load - standard	$0.00	This is a third-party fee and is subject to change. Standard text message or data rates may apply.
Mobile check load – expedited (government and payroll checks with a pre-printed signature)	Greater of 2.0% or $5.00	Per check load. Percentage taken of total check amount. Fee deducted from check total prior to loading your Card Account. This is a third-party fee and is subject to change. This fee is not deducted from the Card Account and will not be reflected in any transaction histories. Standard text message or data rates may apply.
Mobile check load – expedited (all other accepted check types)	Greater of 5.0% or $5.00	Per check load. Percentage taken of total check amount. Fee deducted from check total prior to loading your Card Account. This is a third-party fee and is subject to change. This fee is not deducted from the Card Account and will not be reflected in any transaction histories. Standard text message or data rates may apply.
Spend money
Bill payment (regular delivery)	$0.00	Bill Pay available when you log in to your Card Account at the applicable Card Program Website. Regular bill pay transactions will generally be completed within 3 business days for electronic payments and within 7 business days if we have to mail a paper check to pay your bill.
Bill payment (expedited delivery)	$9.95	Bill Pay available when you log in to your Card Account at the applicable Card Program Website. Expedited Bill Pay is not available for the AchieveCard program. For electronic payments only. Expedited Bill Pay transactions will generally be completed within 1-2 business days. The fee descriptor that will be shown on transaction histories is: (EXP BPAY CONV FEE).
Per purchase	$0.00	There is no fee for PIN or signature-based purchase transactions made with your Card.
ACH debit payment	$2.50	Fee charged each time funds are withdrawn from your Card Account using the Bank’s routing number and the direct deposit account number assigned to your Card Account. Tip: To avoid ACH debit payment fees, you can use the Bill Pay service to make payments to certain merchants, billers, and other payees. The fee descriptor that will be shown on transaction histories is: AccountNow: (SRVC CHG-ADD/REM FND) or AchieveCard: (ACH_WITHD).
Get cash
ATM withdrawal	$2.50	This is our fee. When you use an out-of-network ATM, you may also be charged a fee by the ATM operator, even if you do not complete a transaction. “Out-of-network” refers to all ATMs outside of our network of surcharge-free ATMs, and “in-network” refers to all ATMs in our network that are surcharge-free. To find an in-network ATM for AccountNow, log in to your account at the Card Program Website. To find an in-network ATM for AchieveCard, visit the Card Program Website. Tip: To avoid ATM fees, select “Debit” and enter your PIN to get cash back when making purchases at many retailers, such as grocery stores. The fee descriptor that will be shown on transaction histories is: AccountNow: (SVC CHG ATM WITHDRAW) or AchieveCard: (Fee-ATM Withdrawal).
Teller cash withdrawal	$15.00	This is our fee that is charged for a cash withdrawal via a teller at a participating bank. Tip: To avoid the teller cash withdrawal fee, select “Debit” and enter your PIN to get cash back when making purchases at many retailers, such as grocery stores. The fee descriptor that will be shown on transaction histories is: AccountNow: (SVC CHG CASH ADV) or AchieveCard: (Fee-ACH Withdrawal).
ATM withdrawal decline	$1.00	This is our fee. A per-transaction fee for using an ATM to withdraw money from your Card Account and having the transaction declined. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. Tip: To avoid ATM fees, select “Debit” and enter your PIN to get cash back when making purchases at many retailers, such as grocery stores. The fee descriptor that will be shown on transaction histories is: AccountNow: (SVC CHG NSF ATM) or AchieveCard: (ATM Withdrawal Decline – Insufficient Funds).
Information
Customer service (automated)	$0.00	No fee for calling our automated customer service line, including for balance inquiries.
Customer service (live agent)	$0.00	No fee for calling our customer service line to speak to a live agent, including for balance inquiries.
ATM balance inquiry	$1.00	This is our fee. A per-transaction fee for using an ATM to obtain your Card Account balance. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. Tip: To quickly check your balance and avoid ATM balance inquiry fees, call our automated customer service. The fee descriptor that will be shown on transaction histories is: AccountNow: (SVC CHG BALANCE INQ) or AchieveCard: for ATM balance inquiries routed by Visa: (Fee-Domestic ATM Balance Inquiry) or for ATM balance inquiries routed by a non-Visa PIN network: (Fee-ATM PIN Balance Inquiry).
Using your Card outside the U.S.
International transaction	3.00%	Of the U.S. dollar amount of each transaction. **International transactions are restricted to online merchants only** The fee descriptor that will be shown on transaction histories is: AccountNow: (SVC CHG INTRNTL TRAN) or AchieveCard: (Fee-Transaction Type (with currency conversion)).
Other
Inactivity	$0.00	No fee for inactivity or dormancy of the Card Account.
Replacement Card	$10.00	Per lost, stolen, or damaged Card replaced on a non-expedited basis (generally within 7-10 business days). The fee descriptor that will be shown on transaction histories is: AccountNow: (SVC CHG REPLACE CARD) or AchieveCard: (Fee-Reissue Card).
Expedited shipping of replacement Card	$25.00	Per request. Fee charged each time you request a replacement Card to be delivered to you on an expedited basis (generally within 3-5 business days). Charged in addition to the Replacement Card fee. The fee descriptor that will be shown on transaction histories is: AccountNow: (SVC CHG EXPED CARD) or AchieveCard: (Fee-Reissue Card Urgent Shipment).
Bill Pay stop payment	$20.00	Per successful Bill Pay stop-payment order. For the AchieveCard Card program, there is no fee for Bill Pay stop payment services. The fee descriptor that will be shown on transaction histories is: (BILL PAYMENT).
Your funds are eligible for FDIC insurance. Your funds will be held at or transferred to The Bancorp Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event The Bancorp Bank fails, if specific deposit insurance requirements are met. See fdic.gov/deposit/deposits/prepaid.html for details. No overdraft/credit feature. Contact Customer Service at the contact information found at the beginning of the Cardholder Agreement. For general information about prepaid accounts, visit cfpb.gov/prepaid. If you have a complaint about a prepaid account, call the Bureau of Consumer Financial Protection at 1-855-411-2372 or visit cfpb.gov/complaint.

[BM01]

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 a merchant;
(3) In order to comply with government agency, court order, or other legal or administrative reporting requirements;
(4) If you consent by giving us your written permission;
(5) To our employees, auditors, affiliates, service providers, and attorneys, as needed;
(6) In order to identify, prevent, investigate, or report possible suspicious or illegal activity; and
(7) Otherwise as necessary to fulfill our obligations under this Agreement.

If we do not properly complete a transaction to or from the Card on time or in the correct amount according to this Agreement, we may 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 the Card to complete the transaction;
(2) If a merchant refuses to accept the Card;
(3) If an ATM where you are making a cash withdrawal does not have enough cash;
(4) 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;
(5) If access to the Card has been blocked after you reported the Card lost, stolen, or compromised;
(6) If there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use;
(7) If we have reason to believe the requested transaction is unauthorized;
(8) 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
(9) Any other exception stated in this Agreement.

Contact us AT ONCE if you believe the Card has been lost or stolen or your Card has been used without your permission. Telephoning is the best way to minimize your 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 us at the Customer Service phone number shown at the beginning of this Agreement that is associated with the Card.

Under Visa Core Rules, your liability for unauthorized Visa debit transactions on the Card Account is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). You must notify us immediately of any unauthorized use. In the event the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used the Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of the Card and we can prove that we could have stopped someone from using the 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 transaction history shows transactions that you did not make, notify us at once following the procedures stated in Section 26 below. If you do not notify us within sixty (60) days after you become aware of the transaction and/or after the transaction history 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. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If the Card has been lost or stolen, we will close the Card Account to keep losses down and will send a replacement Card. There is a fee for replacing the Card. For information about the fee, see Section 20.

The Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of the 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 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 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.

We may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement on the Card Program Website, and any such amendment shall be effective upon such posting to the Card Program Website. The current Agreement is available at the Card Program Website. 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 the 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 the Card Account is cancelled, closed, or terminated for any reason, you may request that the unused balance be refunded to you. For security purposes, you may be required to supply identification and address verification documentation prior to being issued a refund. In the event the Card program is cancelled, closed, or terminated, we will send you prior notice in accordance with applicable law. The notice will contain specific information and instructions, including how and when you may receive a refund of any remaining Card Account balance. The Bank reserves the right to refuse to return any unused balance amount less than $1.00. Allow up to thirty (30) days for processing and standard mail delivery of a paper check.

In case of errors or questions about the Card Account, call or write us at the Customer Service phone number or address shown at the beginning of this Agreement if you think an error has occurred on the Card Account, or if you need more information about a transaction listed on your electronic or written transaction history or receipt. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access the Card Account, if the error could be viewed in your electronic transaction history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling or writing to us at the Customer Service phone number or address shown for the Card program at the beginning of this Agreement. When notifying us, you will need to tell us:

1. Your name and the 16-digit number embossed on the Card;
2. Why you believe there is an error and the dollar amount involved; and
3. Approximately when the error took place.

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 the 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 the 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. For new Card Accounts, we may take up to twenty (20) business days to credit the Card Account for the amount you think is in error.

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. To request copies of the documents that we used in our investigation, or if you need more information about our error-resolution procedures, call or write us at the Customer Service phone number or address for your Card program shown at the beginning of this Agreement.

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.

From time to time, we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.

We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card.

Any claim, dispute, or controversy (“Claim”) arising out of or relating in any way to: (i) this Agreement; (ii) the Card; (iii) the Cards of additional cardholders designated by you, if any; (iv) your acquisition of the Card; (v) your use of the Card; (vi) the amount of available funds in the Card Account; (vii) advertisements, promotions or oral or written statements related to the Card, as well as goods or services purchased with the Card; (viii) the benefits and services related to the Card; or (ix) transactions on the Card, no matter how described, pleaded or styled, shall be FINALLY and EXCLUSIVELY resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act (9 U.S.C. 1-16).

We will pay the initial filing fee to commence arbitration and any arbitration hearing that you attend shall take place in the federal judicial district of your residence.

ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO A JURY TRIAL OR TO ENGAGE IN DISCOVERY, EXCEPT AS PROVIDED FOR IN THE AAA CODE OF PROCEDURE.

For a copy of the procedures, to file a Claim, or for other information about this organization, contact it at: American Arbitration Association, Case Filing Services, 1101 Laurel Oak Road, Suite 100, Voorhees, NJ 08043 or at www.adr.org.

All determinations as to the scope, interpretation, enforceability and validity of this Agreement shall be made final exclusively by the arbitrator, which award shall be binding and final. Judgment on the arbitration award may be entered in any court having jurisdiction.

NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION OR PRIVATE ATTORNEY GENERAL ACTION OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON OR CLASS OF CLAIMANTS, SHALL BE ALLOWABLE.

This arbitration provision shall survive: (i) the termination of this Agreement; (ii) the bankruptcy of any party; (iii) any transfer, sale, or assignment of the Card, or any amounts owed on the Card, to any other person or entity; or (iv) expiration of the Card. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall remain in force.

IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD. CALL CUSTOMER SERVICE TO CANCEL THE CARD AND TO REQUEST A REFUND, IF APPLICABLE.

This Cardholder Agreement is effective 3/2019.