CARDHOLDER AGREEMENT 

IMPORTANT – PLEASE READ CAREFULLY 

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

The Visa Reward  Card is a non-reloadable Visa branded prepaid card.  

This Cardholder Agreement is effective August 2019

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  the Card as provided for in this Agreement. “We,” “us,” and “our” mean the Issuer,  our successors, affiliates or assignees. Group O, Inc. 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 that have been loaded to 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 the 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 the 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 the 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. Any references to “days” found in this Agreement are calendar days unless  indicated otherwise.  

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

Activate the Card – You must activate the Card before it can be used. You may activate  the Card by calling 866-212-0733 or online at www.cardactivationservices.com. You will  need to provide personal information in order to verify your identity. 

Personal Identification Number – You will not receive a Personal Identification Number  (“PIN”) with the Card. However, you will be prompted to select a PIN when you activate  the Card. See the activation instructions in the “Activate the Card” section. You should  not write or keep the PIN with the Card. Never share the PIN with anyone. When  entering the PIN, be sure it cannot be observed by others and do not enter the PIN into  any terminal that appears to be modified or suspicious. If you believe that anyone has  gained unauthorized access to the PIN, you should advise us immediately following the  procedures in the paragraph labeled “Your Liability for Unauthorized Transfers.” Authorized Card Users – You are responsible for all authorized transactions initiated  and fees incurred by use of the Card. If you permit another person to have access to  the 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.

Your Representations and Warranties – 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 U.S. street address  (not a P.O. Box); (iv) the personal information that 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.

Cash Access – You may not use the Card to obtain cash from an Automated Teller  Machine (“ATM”) Point-of-Sale (“POS”) device or by any other means. 

Loading the Card – You may not load funds to the Card. Only the Program Manager]  may load funds to the Card Account. You will have access to the funds immediately  once the Card is activated. The Card is not reloadable after the initial loading. Personal  checks, cashier’s checks, and money orders sent to the Issuer are not an acceptable  form of loading. All checks and money orders sent to the Issuer for Card loading will be  returned unless the full amount may be applied towards 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 Issuer. 

The maximum value of the Card is restricted to $1,000.00.  

Preauthorized Transfers – The Card Account cannot be used for preauthorized direct  debits from merchants, Internet service or other utility service providers (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment  to the Merchant or provider will not be made. You are not authorized to provide the  combination of the Issuer’s bank routing number and the Card Account number to  anyone. 

Using the Card/Features 

The maximum value of the Card is restricted to $1,000.00. These are the maximum  amounts that can be spent on the Card: 

Transaction Type: 

Card Purchases (Signature or PIN)

Frequency and/or Dollar Limits:

No daily limit, $1,000.00 per transaction,  up to $1,000.00 per calendar day 

You may use the Card to purchase or lease goods or services everywhere Visa debit  cards, Maestro cards, and Interlink 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 where you 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 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 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 $100.00 or more. If the  Card is declined, even though there are sufficient funds available, you should pay  for your purchase inside with the cashier. If you use the Card at a restaurant, a  hotel, for a car rental purchase, or for similar purchases, the transaction may be  preauthorized for the purchase amount plus up to 20% or more to ensure there  are sufficient funds available to cover tips or incidental expenses incurred. A  preauthorization will place a “hold” on those available funds until the merchant  sends us the final payment amount of your purchase. Once the final payment  amount is received, the preauthorized amount on hold will be removed. It may  take up to seven (7) days for the hold to be removed. During the hold period, you  will not have access to the preauthorized amount. 

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

If you use the 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 on 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 shall remain fully liable to us for the amount of the transaction  and any fees, if applicable. 

Non-Visa Debit Transactions – New procedures are in effect that may impact you when  you use the Card at certain merchant locations. In the past, transactions have been  processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter  a PIN, transactions may be processed as either a Visa debit transaction, or as a Maestro  and Interlink transaction. 

Merchants are responsible for and must provide you with a clear way of choosing to  make a Visa debit transaction if they support the option. Please be advised that should  you choose to use the Maestro or Interlink network when making a transaction without  a PIN, different terms may apply. Certain protections and rights applicable only to Visa  debit transactions as described in this Agreement will not apply to transactions processed  on the Maestro or Interlink network. Please refer to the paragraph labeled “Your Liability  for Unauthorized Transfers” for a description of these rights and protections applicable to  Visa debit and non-Visa debit transactions.  

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

Returns and Refunds – If you are entitled to a refund for any reason for goods or  services obtained with the Card, you agree to accept credits to the Card for such refunds  and agree to the refund policy of that merchant. Neither the Issuer nor the Program  Manager are responsible for the delivery, quality, safety, legality or any other aspects of  goods or services that you purchase from others with a Card. All such disputes must be  addressed and handled directly with the merchant from whom those goods or services  were provided. 

Card Replacement – If you need to replace the Card for any reason, please contact  Card Services 866-212-0733 to request a replacement Card. You will be required to  provide personal information which may include the 16-digit Card number, your full name,  transaction history, copies of accepted identification, etc. There is a fee for replacing a  lost, stolen or damaged Card, see the “Fee Schedule.” for details. For information on replacing an expired Card, see the section below labeled “Expiration.” 

Expiration – The Card will expire no sooner than the Valid Thru date on the front of the  Card. The funds on the Card expire when the Card expires. You will not be able to  use the Card after the expiration date. If you need a replacement Card for any reason  other than the Card’s expiration, you may request one at any time, however there is  a Replacement Card fee. For information about the fee, see the section labeled “Fee  Schedule.” Expired Cards will not be replaced.  

Transactions Made in Foreign Currencies – If you make a purchase in a currency oth er than the currency in which the Card was issued, the amount deducted from the funds  will be converted by Visa into an amount in the currency of the Card. The exchange rate  

between the transaction currency and the billing currency used for processing interna tional transactions is a rate selected by Visa from the range of rates available in whole sale currency markets for the applicable central processing date, which may vary from  

the rate Visa itself receives, or the government-mandated rate in effect for the applicable  central processing date. If you make a purchase in a currency other than the currency  in which the Card was issued, the Issuer may assess a foreign currency conversion fee  of 3% of the transaction amount and will retain this amount as compensation for its ser vices. Transactions made outside the fifty (50) U.S. states and the District of Columbia  are also subject to this conversion fee even if they are completed in U.S. currency.  

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

Balance/Transaction History – You are responsible for keeping track of  the available balance of the Card Account. Merchants generally will not be able to deter mine the available balance. It’s important to know the available balance before making  any transaction. You may obtain information about the amount of money remaining in  the Card Account by calling 866-212-0733. This information, along with a sixty (60) day  history of Card Account transactions, is also available online www.cardactivationservices. com. You also have a right to obtain a sixty (60) day written history of Card Account  transactions by calling 866-212-0733 or by writing to Card Services, 4905 77th Ave E  Milan, IL 61264.  You will not automatically receive paper statements.  

Fee Schedule – All fee amounts will be withdrawn from the Card Account and  will be assessed as long as there is a remaining balance on the Card Account,  except where prohibited by law. Any time the remaining Card Account balance is  less than the fee amount being assessed, the balance of the Card Account will be  applied to the fee amount resulting in a zero balance on the Card Account. 

Replacement Card Fee: 

$7.00 (per Card; when the Card is reissued or  replaced for any reason, except Card expiration)  funds expire when the Card expires, expired  Cards will not be replaced.

International Transaction Fee: 

3% of the transaction amount.

Confidentiality – We may disclose information to third parties about the Card or the  transactions you make: 

(1) Where it is necessary for completing transactions;  

(2) In order to verify the existence and condition of the Card for a third party, such as  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, or attorneys as needed; or (6) Otherwise as necessary to fulfill our obligations under this Agreement. 

Our Liability for Failure to Complete Transactions – If we do not properly complete a  transaction from the 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 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 or stolen;

(6) If there is a hold or the 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 our Agreement with you. 

Your Liability for Unauthorized Transfers – Contact us at once if you believe the Card  has been lost or stolen. Telephoning is the best way to minimize possible losses. If you  believe the Card has been lost or stolen, or that someone has transferred or may transfer  money from the Card Account without your permission, call 866-212-0733 or visit www. cardactivationservices.com. 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. 

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 the section labeled “Fee Schedule.” 

Other Miscellaneous Terms – 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. 

Amendment and Cancellation – We may amend or change the terms and conditions  of this Agreement at any time by posting the amended Agreement on online at www. cardactivationservices.com, and any such amendment shall be effective upon such post ing to that website. The current Agreement is available at www.cardactivationservices. com. 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, the  unused funds will be returned to the Program Manager. 

Information About Your Right to Dispute Transactions – In the case of a discrepancy  or questions about the Card Account transaction(s), call 866-212-0733, write to Card  Services 4905 77th Ave E Milan, IL 61264, as soon as you can. You must contact us no  later than sixty (60) calendar days after we posted the transaction(s) to the Card Account. You may request a written history of your transactions at any time by calling 866-212- 0733 or writing to Card Services, 4905 77th Ave E Milan, IL 61264. 

In case of a discrepancy or questions about the Card Account transactions you will need  to tell us:  

1. Your name and the 16-digit Card number. 

2. A description of the transaction(s) including the date and dollar amount. 3. Why you believe there is a discrepancy.  

If you provide this information orally, we may require that you send the details listed  above in writing within sixty (60) calendar days after we posted the transaction(s) you  are questioning. You agree to cooperate fully with our investigation and to provide any  additional information or documentation we may need for the claim. 

Once we have the required details, information, and/or documents, we will determine  whether a discrepancy occurred. If we ask you to put details in writing and you do not  provide them within sixty (60) calendar days of the date we posted the transaction(s) you  are questioning, we may not be able to resolve the claim in your favor. We will tell you the results in writing after completing our investigation. If we determine  a discrepancy occurred, we will correct the discrepancy promptly and credit the Card  Account. If we decide there was no discrepancy, we will send you a written explanation. 

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 the Card,  please contact: 

Group O, Inc. Card Services 

4905 77th Ave E Milan IL 61264 

866-212-0733 

Customer Service agents are available to answer your calls: 

Monday through Friday, 7 a.m. to 7 p.m. CST 

Lost/Stolen/damaged Cards can be reported at the phone number listed above 24/7/365.  

Telephone Monitoring/Recording – 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.  

No Warranty Regarding Goods or Services as Applicable – We are not responsible  for the quality, safety, legality, or any other aspect of any goods or services you purchase  with the Card. 

Arbitration – Any claim, dispute, or controversy (“Claim”) arising out of or relating in  any way to: i) this Agreement; ii) the Card; iii) your acquisition of the Card; iv) your use  of the Card; v) the amount of available funds in the Card Account; vi) advertisements,  promotions or oral or written statements related to the Card, as well as goods or services  purchased with the Card; vii) the benefits and services related to the Card; or viii)  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: AAA, 335 Madison Avenue, New York, NY 10017, 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 the 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 866-212-0733 TO CANCEL THE CARD  AND MAKE ALTERNATE ARRANGEMENTS TO RECEIVE THE FUNDS ASSOCIATED  WITH THE CARD ACCOUNT.  

This Cardholder Agreement is effective 08/2019