Common use of Effects of Arbitration Clause in Contracts

Effects of Arbitration. If either of us chooses arbitration, neither of us will have the right to litigate the dispute in court or have a jury trial. In addition, you will not have the right to participate as a representative or member of any class of claimants, or in any other form of representative capacity that seeks monetary or other relief beyond your individual circumstances, pertaining to any dispute subject to arbitration. There shall be no authority for any claims to be arbitrated on a class action or any other form of representative basis. Arbitration can only decide your or our claim, and you may not consolidate or join the claims of other persons who may have similar claims, including without limitation claims for public injunctive or other equitable relief as to our other customers or members of the general public. Any such monetary, injunctive, or other equitable relief shall be limited solely to your accounts, agreements, and transaction with us. Notwithstanding the foregoing, any question as to the validity and effect of this class action waiver shall be decided solely by a court of competent jurisdiction, and not by the arbitrator. XXXX XXXXX REWARDS PROGRAM TERMS Xxxx Xxxxx Rewards Visa® Prepaid Debit Card Program Summary. The Xxxx Xxxxx Rewards Program is offered by Xxxx Xxxxx Stores, Inc. (“Xxxx Xxxxx”). Only the Rewards Program as it pertains to your Personalized Reloadable Card is described in this Rewards Program Summary. There may be additional benefits offered to you from time to time by Xxxx Xxxxx or The Kroger Co. as part of the Rewards Program. Those additional benefits are not subject to this Agreement. You are automatically enrolled in both the Xxxx Xxxxx Rewards Visa Prepaid Debit Card Rewards Program and the Xxxx Xxxxx Rewards store program when your Personalized Card is activated. Rewards are not available for purchases made with your Temporary Card. The Xxxx Xxxxx Rewards Program is only available on the Personalized Reloadable Card. The Xxxx Xxxxx Rewards Program is operated by Xxxx Xxxxx and by activating your Personalized Reloadable Card, you thereby authorize U.S. Bank National Association and Xxxx Xxxxx and its parent companies and affiliates to share your Cardholder registration, Card activity and Xxxx Xxxxx Rewards Program information between each other and their authorized providers of the Xxxx Xxxxx Rewards Program. Xxxx Xxxxx Rewards Points are earned as follows: • 2 Points per dollar spent on Net Purchases when you scan and pay for purchase in Xxxx Xxxxx Stores with your Xxxx Xxxxx Rewards Visa Prepaid Debit Card • 1 Point per dollar spent on Net Purchases outside Xxxx Xxxxx Stores For Purchases to be eligible for Points, you must pay with your Personalized Reloadable Card at the time of purchase. “Net Purchases” for a statement period are determined by totaling all new Purchases charged to the Personalized Reloadable Card during the billing cycle, then subtracting credits posted to the Personalized Card during the billing cycle for returned Purchases and/or adjustments. We may round Net Purchases up or down to a whole dollar amount for purposes of awarding Points; amounts less than one dollar will be disregarded. If credits during a statement period exceed Purchases, the credit balance will be carried over to following billing cycles and offset against future Purchases charged to the Personalized Card for purposes of awarding Points. You do not earn Points on the following transactions with your Personalized Reloadable Card: any purchase at Xxxx Xxxxx Fuel Centers or Kroger Fuel Centers, Advances (including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Convenience Checks, Balance Transfers, and Fees, credit insurance charges, or transactions to fund certain Prepaid card products that are posted to your Personalized Reloadable Card. We may reverse Points that were awarded for unauthorized Purchases, and we reserve the right to reverse Points and/or cancel benefits or awards if we reasonably believe that a Purchase was not a bona fide purchase of goods or services delivered or performed by a merchant and not returned by you. Points are nontransferable and have no cash value. There are no limits (other than the Personalized Reloadable Card available balance) on the amount of Points Cardholders can earn. From time to time, we may offer special promotions to provide additional opportunities to earn Points. A Cardholder’s earned Rewards Points will accrue based on purchases that post to his or her Xxxx Xxxxx Rewards Visa Prepaid Debit Card for the current Rewards cycle. The Rewards Points earned on the Xxxx Xxxxx Rewards Visa Prepaid Debit Card are sent to Xxxx Xxxxx, who manages the fulfillment of Xxxx Xxxxx Rewards Rebates. A Cardholder must accumulate a minimum of 500 Rewards Points in the Rewards cycle to qualify. At the end of each Rewards cycle, Rewards Points are tallied and Rebates are sent by Xxxx Xxxxx to those who qualify. Points are set to zero at the beginning of each new cycle. There is no maximum to the number of Points a Cardholder can earn in any given Rewards cycle. Your Personalized Reloadable Card must remain open and in good standing to earn and redeem Rewards Points. Rewards Rebates are loaded onto your Xxxx Xxxxx Rewards Card and are accessible by scanning the Rewards bar code on the back of your Personalized Reloadable Xxxx Xxxxx Rewards Visa Prepaid Debit Card in any Xxxx Xxxxx store. Rewards Rebates do not need to be redeemed in the exact amount earned and can be used over multiple transactions provided that the value of the purchase is less than or equal to the value of the Rewards Rebate loaded on the Xxxx Xxxxx Rewards Card. Rebates have no cash value; they may be used only to purchase merchandise at Xxxx Xxxxx. Rebates may not be used for ineligible items including, but not limited to, Gift Card or Money Order purchases, postage, tobacco, transit passes, lottery, fees, game licenses, U.S. Forest Service passes, Fuel Stop, prescriptions, phone activation, Western Union services or tickets. Neither U.S. Bank National Association nor Kroger Personal Finance® has any responsibility for lost, stolen, missing or otherwise damaged or destroyed Rewards Rebates. Use of the Xxxx Xxxxx Rewards Card (“Rewards Program”) constitutes acceptance of the following terms and conditions by each Xxxx Xxxxx Rewards Member (“Member”).

Effects of Arbitration. If either of us chooses arbitration, neither of us will have the right to litigate the dispute in court or have a jury trial. In addition, you will not have the right to participate as a representative or member of any class of claimants, or in any other form of representative capacity that seeks monetary or other relief beyond your individual circumstances, pertaining to any dispute subject to arbitration. There shall be no authority for any claims to be arbitrated on a class action or any other form of representative basis. Arbitration can only decide your or our claim, and you may not consolidate or join the claims of other persons who may have similar claims, including without limitation claims for public injunctive or other equitable relief as to our other customers or members of the general public. Any such monetary, injunctive, or other equitable relief shall be limited solely to your accounts, agreements, and transaction with us. Notwithstanding the foregoing, any question as to the validity and effect of this class action waiver shall be decided solely by a court of competent jurisdiction, and not by the arbitrator. XXXX XXXXX REWARDS PROGRAM TERMS Xxxx Xxxxx Rewards The BWI International Prepaid Visa® Card Fee Schedule Effective Date 5/15/2019 All Fees Amount Details Get Started and Monthly Usage Card Lease $100.00 This is our fee to Lease the Prepaid Debit Card Program SummaryCard. The Xxxx Xxxxx Rewards Program fee is offered by Xxxx Xxxxx Stores, Inc. (“Xxxx Xxxxx”)paid at time of loading funds on your card. Only It is deducted from the Rewards Program as it pertains loaded amount. Monthly Fee $20.00 This fee will be charged once per month each month your Account is open. Fee is not assessed when balance is $0. Add Money Wire Deposits $60.00 There is an incoming wire transfer fee assessed for each deposit to your Personalized Reloadable operating account Cash Reload (ATM Reload) $3.00 This is our fee to load cash at any participating ATM. Fee is paid at time of reload. Get Cash ATM Withdrawal $5.50 This is our fee per withdrawal. Cash Back at Point of Sale $0 There is no fee when you obtain cash back over the amount of your purchase at participating retailers. Teller Cash Withdrawal $0 There is no fee when you withdraw cash from your card from a teller at a bank or credit union that accepts Visa. Information Cardholder Services $0 There is no fee to contact Cardholder Services. ATM Balance Inquiry $1.50 This is our fee per balance inquiry. Online Statements $0 Statements available at xxxxx://xxxxxx.xxxxxxxxxxxxxxxx.xxx/login.php Email or Text Message Alert $0 There is no fee for Text Alerts, your mobile carrier may charge a fee. Standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Paper Statements $0 Order paper statements by logging into your Account at xxxxx://xxxxxx.xxxxxxxxxxxxxxxx.xxx/login.php Using Your Card Outside of the U.S. International Transaction 5% This is our fee which applies when you use your Card for purchases at foreign merchants and for cash withdrawals from foreign ATMs and is a percentage of the transaction dollar amount, after any currency conversion. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered foreign transactions under the applicable network rules, and we do not control how these merchants, ATMs and transactions are classified for this purpose. International ATM Withdrawal $10.50 This is our fee per withdrawal. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry $3.00 This is our fee per inquiry. You may also be charged a fee by the ATM operator. Other Card Replacement $50.00 This is our fee per replacement of a lost or stolen card. Card is described mailed to you with standard delivery of 7-10 business days. Card Replacement Expedited Delivery $75.00 This is our fee per expedited delivery of a replacement card charged in this Rewards Program Summaryaddition to any Card Replacement fee. Card is mailed to you with expedited delivery up to 5 business days. Transaction Limits For security reasons, there are limitations on the number and amount of transactions that you may perform with your Card. There may be additional benefits offered limits on the amount, number or types of transactions you can make using your Card and for security reasons we do not disclose these limits. Daily limits are based on a rolling 24 hour period. Limits are subject to you change from time to time by Xxxx Xxxxx or The Kroger Co. as part time. Your will receive prior notice of the Rewards Program. Those additional benefits are not subject to this Agreement. You are automatically enrolled in both the Xxxx Xxxxx Rewards Visa Prepaid Debit Card Rewards Program and the Xxxx Xxxxx Rewards store program when your Personalized Card is activated. Rewards are not available for purchases made with your Temporary Card. The Xxxx Xxxxx Rewards Program is only available on the Personalized Reloadable Card. The Xxxx Xxxxx Rewards Program is operated by Xxxx Xxxxx and by activating your Personalized Reloadable Card, you thereby authorize U.S. Bank National Association and Xxxx Xxxxx and its parent companies and affiliates to share your Cardholder registration, Card activity and Xxxx Xxxxx Rewards Program information between each other and their authorized providers of the Xxxx Xxxxx Rewards Program. Xxxx Xxxxx Rewards Points are earned as follows: • 2 Points per dollar spent on Net Purchases when you scan and pay for purchase in Xxxx Xxxxx Stores with your Xxxx Xxxxx Rewards Visa Prepaid Debit Card • 1 Point per dollar spent on Net Purchases outside Xxxx Xxxxx Stores For Purchases to be eligible for Points, you must pay with your Personalized Reloadable Card at the time of purchase. “Net Purchases” for a statement period are determined by totaling all new Purchases charged such changes to the Personalized Reloadable Card during the billing cycle, then subtracting credits posted to the Personalized Card during the billing cycle for returned Purchases and/or adjustments. We may round Net Purchases up or down to a whole dollar amount for purposes of awarding Points; amounts less than one dollar will be disregarded. If credits during a statement period exceed Purchases, the credit balance will be carried over to following billing cycles and offset against future Purchases charged to the Personalized Card for purposes of awarding Points. You do not earn Points on the following transactions with your Personalized Reloadable Card: any purchase at Xxxx Xxxxx Fuel Centers or Kroger Fuel Centers, Advances (including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Convenience Checks, Balance Transfers, and Fees, credit insurance charges, or transactions to fund certain Prepaid card products that are posted to your Personalized Reloadable Card. We may reverse Points that were awarded for unauthorized Purchases, and we reserve the right to reverse Points and/or cancel benefits or awards if we reasonably believe that a Purchase was not a bona fide purchase of goods or services delivered or performed extent required by a merchant and not returned by you. Points are nontransferable and have no cash value. There are no limits (other than the Personalized Reloadable Card available balance) on the amount of Points Cardholders can earn. From time to time, we may offer special promotions to provide additional opportunities to earn Points. A Cardholder’s earned Rewards Points will accrue based on purchases that post to his or her Xxxx Xxxxx Rewards Visa Prepaid Debit Card for the current Rewards cycle. The Rewards Points earned on the Xxxx Xxxxx Rewards Visa Prepaid Debit Card are sent to Xxxx Xxxxx, who manages the fulfillment of Xxxx Xxxxx Rewards Rebates. A Cardholder must accumulate a minimum of 500 Rewards Points in the Rewards cycle to qualify. At the end of each Rewards cycle, Rewards Points are tallied and Rebates are sent by Xxxx Xxxxx to those who qualify. Points are set to zero at the beginning of each new cycleapplicable law. There is no maximum to the number Maximum Card Balance at any time There is no Maximum Daily Load Limit Returns and Refunds 4 transactions per day Maximum Daily Debit Limit -- includes point of Points a Cardholder can earn in any given Rewards cycle. Your Personalized Reloadable Card must remain open and in good standing to earn and redeem Rewards Points. Rewards Rebates are loaded onto your Xxxx Xxxxx Rewards Card and are accessible by scanning the Rewards bar code on the back of your Personalized Reloadable Xxxx Xxxxx Rewards Visa Prepaid Debit Card in any Xxxx Xxxxx store. Rewards Rebates do not need to be redeemed in the exact amount earned and can be used over multiple transactions provided that the value of the purchase is less than or equal to the value of the Rewards Rebate loaded on the Xxxx Xxxxx Rewards Card. Rebates have no cash value; they may be used only to purchase merchandise at Xxxx Xxxxx. Rebates may not be used for ineligible items including, but not limited to, Gift Card or Money Order sale purchases, postageATM Withdrawal, tobaccoteller cash withdrawal, transit passes, lottery, fees, game licenses, U.S. Forest Service passes, Fuel Stop, prescriptions, phone activation, Western Union services or tickets. Neither U.S. Bank National Association nor Kroger Personal Finance® has any responsibility for lost, stolen, missing or otherwise damaged or destroyed Rewards Rebates. Use and card to card transfers 20 transactions and $5,000 per day Point of the Xxxx Xxxxx Rewards Card Sale Purchase (“Rewards Program”includes cash back at participating retailers) constitutes acceptance 20 transactions and $2,525 per day Point of the following terms Sale Purchase 20 transactions and conditions by each Xxxx Xxxxx Rewards Member $500 per day ATM Withdrawal $500 per day Teller Cash Withdrawal (“Member”).at Visa member banks) (Financial Institutions may have lower limits) 3 transactions and $2,525 per day

Effects of Arbitration. If either of us chooses arbitration, neither of us will have the right to litigate the dispute in court or have a jury trial. In addition, you will not have the right to participate as a representative or member of any class of claimants, or in any other form of representative capacity that seeks monetary or other relief beyond your individual circumstances, pertaining to any dispute subject to arbitration. There shall be no authority for any claims to be arbitrated on a class action or any other form of representative basis. Arbitration can only decide your or our claim, and you may not consolidate or join the claims of other persons who may have similar claims, including without limitation claims for public injunctive or other equitable relief as to our other customers or members of the general public. Any such monetary, injunctive, or other equitable relief shall be limited solely to your accounts, agreements, and transaction with us. Notwithstanding the foregoing, any question as to the validity and effect of this class action waiver shall be decided solely by a court of competent jurisdiction, and not by the arbitrator. XXXX XXXXX REWARDS PROGRAM TERMS Xxxx Xxxxx We reserve the right to change the following Fee Schedule and Transaction Limitations in our sole discretion and we will provide written notification to you of such change to the extent required by applicable law. Ralphs Rewards Visa® Prepaid Debit Card Program SummaryFee Schedule Effective Date 4/1/2019 All Fees Amount Details Get Started and Monthly Usage Card Purchase $1.50 This is our fee to purchase the Temporary Card at Ralphs store locations. The Xxxx Xxxxx Fee is paid at time of purchase. There is no fee for the Reloadable Card. Reloadable Card is available online at xxxxxx.xxxxxxxxxx.xxx, or by registering a Temporary Card for a Reloadable Card online at xxxxxx.xxxxxxxxxx.xxx or by calling 000- 000-0000. Monthly Fee $4.95 This fee will be charged once per month each month your Account is open. Fee is not assessed when balance is $0. There is no Monthly Fee for the Temporary Card. Add Money Direct Deposit $0 There is no fee to reload via Direct Deposit from employer, government benefits provider, or other payer. Cash Reload (Swipe Reload) $3.00 This is our fee to load cash at participating Kroger Family of Companies. Fee is paid at time of reload. Cash Reload (Recharge Card™) $3.00 This is our fee to purchase Recharge Card at participating Kroger Family of Companies. Fee is paid at time of purchase. Card to Card Transfer $0 There is no fee to perform a transfer to/from another Personalized Reloadable Card. Electronic Reload $0 There is no fee to perform an electronic transfer from another account. Third party fees may apply. Check Reload (Ingo Money) 5% or $5.00 min. This is not our fee and is subject to change. Fee of up to 5% of check value may apply when cashing a check to load your card at Ingo Money. Money in Minutes - 2% (pre-printed payroll or gov't checks) or 5% (all other checks), minimum fee of $5.00. Money in 10 Days - no fee. Fee is deducted from check value. Go to xxxxxxxxx.xxx for more information. This fee is accurate as of 11/12/2018. Cash Reload (Visa® Readylink) Varies by Retailer Third party fee may apply when reloading your Ralphs Rewards Program Prepaid Debit Card at a Visa Readylink location. Xxx is offered paid to third party at the time of reload. Go to xxx.xxxx.xxx/xxx-xxxx- visa/cards/services-locator.html for locations. Get Cash ATM Withdrawal (in-network) $2.50 This is our fee per withdrawal. "In-network" refers to all the ATMS inside of the MoneyPass® ATM network. This fee is waived for your first ATM withdrawal per month from an "in-network" ATM that is part of the MoneyPass® ATM network. Locations can be found at xxxxxxxxx.xxx/xxx-xxxxxxx. ATM Withdrawal (out-of-network) $2.50 This is our fee per withdrawal. "Out-of-network" refers to all the ATMs outside of the MoneyPass® ATM network. You may also be charged a fee by Xxxx Xxxxx Storesthe ATM operator even if you do not complete a transaction. Cash Back at Point of Sale $0 There is no fee when you obtain cash back over the amount of your purchase at participating retailers. Teller Cash Withdrawal $0 There is no fee when you withdraw cash from your card from a teller at a bank or credit union that accepts Visa. Information Cardholder Services $0 There is no fee to contact Cardholder Services. ATM Balance Inquiry (in-network) $0.50 This is our fee per balance inquiry. "In-network" refers to the MoneyPass® ATM Network. Locations can be found at xxxxxxxxx.xxx/xxx-xxxxxxx. ATM Balance Inquiry (out-of-network) $0.50 This is our fee per inquiry. "Out-of-network" refers to all the ATMs outside of the MoneyPass® ATM network. You may also be charged a fee by the ATM operator. Online Statements $0 Statements available at xxxxxx.xxxxxxxxxx.xxx. Email or Text Message Alert $0 There is no fee for Text Alerts, Inc. your mobile carrier may charge a fee. Standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Paper Statements $0 Order paper statements by logging into your Account at xxxxxx.xxxxxxxxxx.xxx or by calling 000-000-0000. Using Your Card Outside of the U.S. International Transaction 3% This is our fee which applies when you use your Card for purchases at foreign merchants and for cash withdrawals from foreign ATMs and is a percentage of the transaction dollar amount, after any currency conversion. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered foreign transactions under the applicable network rules, and we do not control how these merchants, ATMs and transactions are classified for this purpose. International ATM Withdrawal $2.50 This is our fee per withdrawal. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry $1.00 This is our fee per inquiry. You may also be charged a fee by the ATM operator. Other Card Replacement $3.00 This is our fee per replacement of a lost or stolen card. Card is mailed to you with standard delivery of 7-10 business days. Card Replacement Expedited Delivery $15.00 This is our fee per expedited delivery of a replacement card charged in addition to any Card Replacement fee. Card is mailed to you with expedited delivery up to 5 business days. Inactivity $2.00 This fee applies only to Temporary Cards purchased PRIOR to 1/1/17. This is our fee charged each month beginning on the 13th month following 12 consecutive months without a Transaction (“Xxxx Xxxxx”as restricted under applicable state law). Only Not assessed if the Rewards Program as it pertains to your balance is $0. There is no inactivity fee for the Personalized Reloadable Card or for Temporary Cards purchased on or after 1/1/17. For cards purchased in New York where there is described no address on record or New York residents, the fee is assessed beginning on the 25th month following 24 months without a Transaction. There is no inactivity fee for the Personalized Reloadable Card or for Temporary Cards purchased beginning 12/25/16. Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to U.S. Bank National Association, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in this Rewards Program Summarythe event U.S. Bank fails, if specific deposit insurance requirements are met and your card is registered. See xxxx.xxx/xxxxxxx/xxxxxxxx/xxxxxxx.xxxx for details. No overdraft/credit feature. Contact Cardholder Services about your Temporary Card by calling 000-000-0000 or about your Reloadable Card by calling 000-000-0000. You may also contact us by mail at P.O. Box, 551667 Jacksonville, FL 32255 or visit xxxxxx.xxxxxxxxxx.xxx. For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 0-000-000-0000 or visit xxxx.xxx/xxxxxxxxx. Transaction Limits For security reasons, there are limitations on the number and amount of transactions that you may perform with your Card. There may be additional benefits offered limits on the amount, number or types of transactions you can make using your Card and for security reasons we do not disclose these limits. Daily limits are based on a rolling 24-hour period. Limits are subject to you change from time to time by Xxxx Xxxxx or The Kroger Co. as part of the Rewards Program. Those additional benefits are not subject to this Agreementtime. You are automatically enrolled in both will receive prior notice of such changes to the Xxxx Xxxxx Rewards extent required by applicable law. Maximum Card Balance at any time $10,000 Maximum Daily Load Limit 10 transactions and $5,000 per day Direct Deposit 5 transactions and $5,000 per day Cash and Check Reload Networks (Includes Swipe Reload at Kroger Family of Companies, Visa Prepaid ReadyLink at participating retailers, and Ingo Money who may have different limits. Does not include Recharge Card). 3 transactions and $1,000 per day 10 transactions and $10,000 every rolling 30 days Card to Card Transfer (includes Recharge CardTM Card) 2 transactions and $5,000 per day Recharge CardTM (Card to Card) 2 transactions and $1,000 per day Returns and Refunds 4 transactions per day Maximum Daily Debit Card Rewards Program Limit -- includes point of sale purchases, ATM Withdrawal, teller cash withdrawal, and the Xxxx Xxxxx Rewards store program when your Personalized Card is activated. Rewards are not available for purchases made with your Temporary Card. The Xxxx Xxxxx Rewards Program is only available on the Personalized Reloadable Card. The Xxxx Xxxxx Rewards Program is operated by Xxxx Xxxxx card to card transfers 20 transactions and by activating your Personalized Reloadable Card, you thereby authorize U.S. Bank National Association and Xxxx Xxxxx and its parent companies and affiliates to share your Cardholder registration, Card activity and Xxxx Xxxxx Rewards Program information between each other and their authorized providers $5,000 per day Point of the Xxxx Xxxxx Rewards Program. Xxxx Xxxxx Rewards Points are earned as follows: • 2 Points per dollar spent on Net Purchases when you scan and pay for purchase in Xxxx Xxxxx Stores with your Xxxx Xxxxx Rewards Visa Prepaid Debit Card • 1 Point per dollar spent on Net Purchases outside Xxxx Xxxxx Stores For Purchases to be eligible for Points, you must pay with your Sale Purchase (Personalized Reloadable Card and includes cash back at the time participating retailers) 20 transactions and $2,525 per day Point of purchase. “Net Purchases” for a statement period are determined by totaling all new Purchases charged to the Personalized Reloadable Card during the billing cycle, then subtracting credits posted to the Personalized Card during the billing cycle for returned Purchases and/or adjustments. We may round Net Purchases up or down to a whole dollar amount for purposes of awarding Points; amounts less than one dollar will be disregarded. If credits during a statement period exceed Purchases, the credit balance will be carried over to following billing cycles Sale Purchase (Temporary Card) 20 transactions and offset against future Purchases charged to the Personalized Card for purposes of awarding Points. You do not earn Points on the following transactions with $500 per day ATM Withdrawal (your Personalized Reloadable Card: any purchase at Xxxx Xxxxx Fuel Centers or Kroger Fuel Centers, Advances (including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Convenience Checks, Balance Transfers, and Fees, credit insurance charges, or transactions to fund certain Prepaid card products that are posted to your Personalized Reloadable Card. We may reverse Points that were awarded for unauthorized Purchases, and we reserve the right to reverse Points and/or cancel benefits or awards if we reasonably believe that a Purchase was not a bona fide purchase of goods or services delivered or performed by a merchant and not returned by you. Points are nontransferable and have no cash value. There are no limits (other than the Personalized Reloadable Card available balance) on the amount of Points Cardholders can earn. From time to time, we may offer special promotions to provide additional opportunities to earn Points. A Cardholder’s earned Rewards Points will accrue based on purchases that post to his or her Xxxx Xxxxx Rewards Visa Prepaid Debit Card for the current Rewards cycle. The Rewards Points earned on the Xxxx Xxxxx Rewards Visa Prepaid Debit Card are sent to Xxxx Xxxxx, who manages the fulfillment of Xxxx Xxxxx Rewards Rebates. A Cardholder must accumulate a minimum of 500 Rewards Points in the Rewards cycle to qualify. At the end of each Rewards cycle, Rewards Points are tallied and Rebates are sent by Xxxx Xxxxx to those who qualify. Points are set to zero at the beginning of each new cycle. There is no maximum to the number of Points a Cardholder can earn in any given Rewards cycle. Your Personalized Reloadable Card must remain open and in good standing to earn and redeem Rewards Points. Rewards Rebates are loaded onto your Xxxx Xxxxx Rewards Card and are accessible by scanning the Rewards bar code on the back of your Personalized Reloadable Xxxx Xxxxx Rewards Visa Prepaid Debit Card in any Xxxx Xxxxx store. Rewards Rebates do not need to be redeemed in the exact amount earned and can be used over multiple transactions provided that the value of the purchase is less than or equal to the value of the Rewards Rebate loaded on the Xxxx Xxxxx Rewards Card. Rebates have no cash value; they may be used only to purchase merchandise at Xxxx Xxxxx. Rebates may not be used for ineligible items including, but not limited to, Gift in Jamaica and potentially other countries - see Section 15) 3 transactions and $1,025 per transaction or $1,220 per day Teller Cash Withdrawal (at Visa member banks) (Financial Institutions may have lower limits) 3 transactions and $2,525 per day Card or Money Order purchases, postage, tobacco, transit passes, lottery, fees, game licenses, U.S. Forest Service passes, Fuel Stop, prescriptions, phone activation, Western Union services or tickets. Neither to Card Transfer 2 transactions and $2,500 per day The Ralphs Rewards Visa® Prepaid Debit Card is issued by U.S. Bank National Association nor Kroger Personal Finance® has any responsibility Association, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Monthly fee $4.95† Per purchase $0 ATM withdrawal $2.50* in-network $2.50 out-of-network Cash reload $3.00 ATM balance inquiry (in-network or out-of-network) $0.50 Customer service (automated or live agent) $0 per call Inactivity $0 We charge 4 other types of fees. † This fee does not apply to the Temporary Card. * This fee can be lower depending on how and where this card is used. No overdraft/credit feature Register your card for lost, stolen, missing or otherwise damaged or destroyed Rewards Rebates. Use of the Xxxx Xxxxx Rewards Card (“Rewards Program”) constitutes acceptance of the following terms FDIC insurance eligibility and conditions by each Xxxx Xxxxx Rewards Member (“Member”)other protections.

Effects of Arbitration. If either of us chooses arbitration, neither of us will have the right to litigate the dispute in court or have a jury trial. In addition, you will not have the right to participate as a representative or member of any class of claimants, or in any other form of representative capacity that seeks monetary or other relief beyond your individual circumstances, pertaining to any dispute subject to arbitration. There shall be no authority for any claims to be arbitrated on a class action or any other form of representative basis. Arbitration can only decide your or our claim, and you may not consolidate or join the claims of other persons who may have similar claims, including without limitation claims for public injunctive or other equitable relief as to our other customers or members of the general public. Any such monetary, injunctive, or other equitable relief shall be limited solely to your accounts, agreements, and transaction with us. Notwithstanding the foregoing, any question as to the validity and effect of this class action waiver shall be decided solely by a court of competent jurisdiction, and not by the arbitrator. XXXX XXXXX REWARDS PROGRAM TERMS Xxxx Xxxxx Rewards Visa® Prepaid Debit Here are Some Helpful Tips on How to Use Your U. S. Bank Gift Card Program Summary• Know Your Balance. The Xxxx Xxxxx Rewards Program Card transaction will be declined if you attempt to make a purchase in excess of your Gift Card balance. If your Gift Card value is offered by Xxxx Xxxxx Storesnot enough to cover the full amount of your purchase, Inc. ask the cashier to split the transaction between the remaining Gift Card balance and another form of payment. Tell the cashier how much is on your Gift Card since many merchants cannot tell what the balance is. Visit xxx.xxxxxxxxxxxxxxxxxx.xxx or call 0-000-000-0000 for balance information. • Pay inside for gas purchases. When you use your Gift Card at an automated fuel dispenser, a hold will be placed for an amount that may be greater than the actual transaction amount and will not be available for other purchases for up to 10 days or until the transaction settles for the actual amount. To avoid the hold, pay inside for your gas purchases. • Most restaurants, salons and other services where you typically tip may temporarily add approximately 20% to your xxxx to cover the tip. Make sure your balance can cover the 20% or your transaction will be declined. The additional amount will not be available for other purchases for up to 10 days or until the transaction settles for the actual amount. • To make a purchase, press “credit” and sign or press “debit” and enter your PIN. • This Gift Card can only be used within the United States. • Your Gift Card does not have cash access. It cannot be used to withdraw funds at an Automated Teller Machine (“Xxxx XxxxxATM”). Only the Rewards Program as it pertains • Go to xxx.xxxxxxxxxxxxxxxxxx.xxx to register your Personalized Reloadable Gift Card is described in this Rewards Program Summary. There may be additional benefits offered to you from time to time by Xxxx Xxxxx or The Kroger Co. as part of the Rewards Program. Those additional benefits are not subject to this Agreement. You are automatically enrolled in both the Xxxx Xxxxx Rewards Visa Prepaid Debit Card Rewards Program and the Xxxx Xxxxx Rewards store program when your Personalized Card is activated. Rewards are not available for purchases made with your Temporary Cardname and address before you make any purchases over the internet, phone or through the mail. The Xxxx Xxxxx Rewards Program is only available Many merchants do an address match to make sure that the Gift Card belongs to the person making the purchase. • Visit xxx.xxxxxxxxxxxxxxxxxx.xxx for additional helpful tips on the Personalized Reloadable Card. The Xxxx Xxxxx Rewards Program is operated by Xxxx Xxxxx and by activating how to use your Personalized Reloadable Card, you thereby authorize U.S. Bank National Association and Xxxx Xxxxx and its parent companies and affiliates to share your Cardholder registration, Card activity and Xxxx Xxxxx Rewards Program information between each other and their authorized providers of the Xxxx Xxxxx Rewards Program. Xxxx Xxxxx Rewards Points are earned as follows: • 2 Points per dollar spent on Net Purchases when you scan and pay for purchase in Xxxx Xxxxx Stores with your Xxxx Xxxxx Rewards Visa Prepaid Debit Card • 1 Point per dollar spent on Net Purchases outside Xxxx Xxxxx Stores For Purchases to be eligible for Points, you must pay with your Personalized Reloadable Card at the time of purchase. “Net Purchases” for a statement period are determined by totaling all new Purchases charged to the Personalized Reloadable Card during the billing cycle, then subtracting credits posted to the Personalized Card during the billing cycle for returned Purchases and/or adjustments. We may round Net Purchases up or down to a whole dollar amount for purposes of awarding Points; amounts less than one dollar will be disregarded. If credits during a statement period exceed Purchases, the credit balance will be carried over to following billing cycles and offset against future Purchases charged to the Personalized Card for purposes of awarding Points. You do not earn Points on the following transactions with your Personalized Reloadable Gift Card: any purchase at Xxxx Xxxxx Fuel Centers or Kroger Fuel Centers, Advances (including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Convenience Checks, Balance Transfers, and Fees, credit insurance charges, or transactions to fund certain Prepaid card products that are posted to your Personalized Reloadable Card. We may reverse Points that were awarded for unauthorized Purchases, and we reserve the right to reverse Points and/or cancel benefits or awards if we reasonably believe that a Purchase was not a bona fide purchase of goods or services delivered or performed by a merchant and not returned by you. Points are nontransferable and have no cash value. There are no limits (other than the Personalized Reloadable Card available balance) on the amount of Points Cardholders can earn. From time to time, we may offer special promotions to provide additional opportunities to earn Points. A Cardholder’s earned Rewards Points will accrue based on purchases that post to his or her Xxxx Xxxxx Rewards Visa Prepaid Debit Card for the current Rewards cycle. The Rewards Points earned on the Xxxx Xxxxx Rewards Visa Prepaid Debit Card are sent to Xxxx Xxxxx, who manages the fulfillment of Xxxx Xxxxx Rewards Rebates. A Cardholder must accumulate a minimum of 500 Rewards Points in the Rewards cycle to qualify. At the end of each Rewards cycle, Rewards Points are tallied and Rebates are sent by Xxxx Xxxxx to those who qualify. Points are set to zero at the beginning of each new cycle. There is no maximum to the number of Points a Cardholder can earn in any given Rewards cycle. Your Personalized Reloadable Card must remain open and in good standing to earn and redeem Rewards Points. Rewards Rebates are loaded onto your Xxxx Xxxxx Rewards Card and are accessible by scanning the Rewards bar code on the back of your Personalized Reloadable Xxxx Xxxxx Rewards Visa Prepaid Debit Card in any Xxxx Xxxxx store. Rewards Rebates do not need to be redeemed in the exact amount earned and can be used over multiple transactions provided that the value of the purchase is less than or equal to the value of the Rewards Rebate loaded on the Xxxx Xxxxx Rewards Card. Rebates have no cash value; they may be used only to purchase merchandise at Xxxx Xxxxx. Rebates may not be used for ineligible items including, but not limited to, Gift Card or Money Order purchases, postage, tobacco, transit passes, lottery, fees, game licenses, U.S. Forest Service passes, Fuel Stop, prescriptions, phone activation, Western Union services or tickets. Neither U.S. Bank National Association nor Kroger Personal Finance® has any responsibility for lost, stolen, missing or otherwise damaged or destroyed Rewards Rebates. Use of the Xxxx Xxxxx Rewards Card (“Rewards Program”) constitutes acceptance of the following terms and conditions by each Xxxx Xxxxx Rewards Member (“Member”).

Effects of Arbitration. If either of us chooses arbitration, neither of us will have the right to litigate the dispute in court or have a jury trial. In addition, you will not have the right to participate as a representative or member of any class of claimants, or in any other form of representative capacity that seeks monetary or other relief beyond your individual circumstances, pertaining to any dispute subject to arbitration. There shall be no authority for any claims to be arbitrated on a class action or any other form of representative basis. Arbitration can only decide your or our claim, and you may not consolidate or join the claims of other persons who may have similar claims, including without limitation claims for public injunctive or other equitable relief as to our other customers or members of the general public. Any such monetary, injunctive, or other equitable relief shall be limited solely to your accounts, agreements, and transaction with us. Notwithstanding the foregoing, any question as to the validity and effect of this class action waiver shall be decided solely by a court of competent jurisdiction, and not by the arbitrator. XXXX XXXXX REWARDS PROGRAM TERMS Xxxx Xxxxx Rewards Visa® Prepaid Debit Card Program SummaryWe reserve the right to change the following Fee Schedule and Transaction Limitations in our sole discretion and we will provide written notification to you of such change to the extent required by applicable law. The Xxxx Xxxxx Rewards Program Prepaid Debit® Card Fee Schedule Effective Date 4/1/2019 All Fees Amount Details Get Started and Monthly Usage Card Purchase $1.50 This is offered by our fee to purchase the Temporary Card at Xxxx Xxxxx Storesstore locations. Fee is paid at time of purchase. There is no fee for the Reloadable Card. Reloadable Card is available online at xxxxxxxxxxxxxxxx.xxx, Inc. or by registering a Temporary Card for a Reloadable Card online at xxxxxxxxxxxxxxxx.xxx or by calling 000- 000-0000. Monthly Fee $4.95 This fee will be charged once per month each month your Account is open. Fee is not assessed when balance is $0. There is no Monthly Fee for the Temporary Card. Add Money Direct Deposit $0 There is no fee to reload via Direct Deposit from employer, government benefits provider, or other payer. Cash Reload (“Swipe Reload) $3.00 This is our fee to load cash at participating Kroger Family of Companies. Fee is paid at time of reload. Cash Reload (Recharge Card™) $3.00 This is our fee to purchase Recharge Card at participating Kroger Family of Companies. Fee is paid at time of purchase. Card to Card Transfer $0 There is no fee to perform a transfer to/from another Personalized Reloadable Card. Electronic Reload $0 There is no fee to perform an electronic transfer from another account. Third party fees may apply. Check Reload (Ingo Money) 5% or $5.00 min. This is not our fee and is subject to change. Fee of up to 5% of check value may apply when cashing a check to load your card at Ingo Money. Money in Minutes - 2% (pre-printed payroll or gov't checks) or 5% (all other checks), minimum fee of $5.00. Money in 10 Days - no fee. Fee is deducted from check value. Go to xxxxxxxxx.xxx for more information. This fee is accurate as of 11/12/2018. Cash Reload (Visa® Readylink) Varies by Retailer Third party fee may apply when reloading your Xxxx Xxxxx”Xxxxx Rewards Prepaid Debit Card at a Visa Readylink location. Xxx is paid to third party at the time of reload. Go to xxx.xxxx.xxx/xxx-xxxx- visa/cards/services-locator.html for locations. Get Cash ATM Withdrawal (in-network) $2.50 This is our fee per withdrawal. "In-network" refers to all the ATMS inside of the MoneyPass® ATM network. This fee is waived for your first ATM withdrawal per month from an "in-network" ATM that is part of the MoneyPass® ATM network. Locations can be found at xxxxxxxxx.xxx/xxx-xxxxxxx. ATM Withdrawal (out-of-network) $2.50 This is our fee per withdrawal. "Out-of-network" refers to all the ATMs outside of the MoneyPass® ATM network. You may also be charged a fee by the ATM operator even if you do not complete a transaction. Cash Back at Point of Sale $0 There is no fee when you obtain cash back over the amount of your purchase at participating retailers. Teller Cash Withdrawal $0 There is no fee when you withdraw cash from your card from a teller at a bank or credit union that accepts Visa. Information Cardholder Services $0 There is no fee to contact Cardholder Services. ATM Balance Inquiry (in-network) $0.50 This is our fee per balance inquiry. "In-network" refers to the MoneyPass® ATM Network. Locations can be found at xxxxxxxxx.xxx/xxx-xxxxxxx. ATM Balance Inquiry (out-of-network) $0.50 This is our fee per inquiry. "Out-of-network" refers to all the ATMs outside of the MoneyPass® ATM network. You may also be charged a fee by the ATM operator. Online Statements $0 Statements available at xxxxxxxxxxxxxxxx.xxx. Email or Text Message Alert $0 There is no fee for Text Alerts, your mobile carrier may charge a fee. Standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Paper Statements $0 Order paper statements by logging into your Account at xxxxxxxxxxxxxxxx.xxx or by calling 000-000-0000. Using Your Card Outside of the U.S. International Transaction 3% This is our fee which applies when you use your Card for purchases at foreign merchants and for cash withdrawals from foreign ATMs and is a percentage of the transaction dollar amount, after any currency conversion. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered foreign transactions under the applicable network rules, and we do not control how these merchants, ATMs and transactions are classified for this purpose. International ATM Withdrawal $2.50 This is our fee per withdrawal. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry $1.00 This is our fee per inquiry. You may also be charged a fee by the ATM operator. Other Card Replacement $3.00 This is our fee per replacement of a lost or stolen card. Card is mailed to you with standard delivery of 7-10 business days. Card Replacement Expedited Delivery $15.00 This is our fee per expedited delivery of a replacement card charged in addition to any Card Replacement fee. Card is mailed to you with expedited delivery up to 5 business days. Inactivity $2.00 This fee applies only to Temporary Cards purchased PRIOR to 1/1/17. This is our fee charged each month beginning on the 13th month following 12 consecutive months without a Transaction (as restricted under applicable state law). Only Not assessed if the Rewards Program as it pertains to your balance is $0. There is no inactivity fee for the Personalized Reloadable Card or for Temporary Cards purchased on or after 1/1/17. For cards purchased in New York where there is described no address on record or New York residents, the fee is assessed beginning on the 25th month following 24 months without a Transaction. There is no inactivity fee for the Personalized Reloadable Card or for Temporary Cards purchased beginning 12/25/16. Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to U.S. Bank National Association, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in this Rewards Program Summarythe event U.S. Bank fails, if specific deposit insurance requirements are met and your card is registered. See xxxx.xxx/xxxxxxx/xxxxxxxx/xxxxxxx.xxxx for details. No overdraft/credit feature. Contact Cardholder Services about your Temporary Card by calling 000-000-0000 or about your Reloadable Card by calling 000-000-0000. You may also contact us by mail at P.O. Box, 551667 Jacksonville, FL 32255 or visit xxxxxxxxxxxxxxxx.xxx. For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 0-000-000-0000 or visit xxxx.xxx/xxxxxxxxx. Transaction Limits For security reasons, there are limitations on the number and amount of transactions that you may perform with your Card. There may be additional benefits offered limits on the amount, number or types of transactions you can make using your Card and for security reasons we do not disclose these limits. Daily limits are based on a rolling 24-hour period. Limits are subject to you change from time to time by Xxxx Xxxxx or The Kroger Co. as part of the Rewards Program. Those additional benefits are not subject to this Agreementtime. You are automatically enrolled in both will receive prior notice of such changes to the Xxxx Xxxxx Rewards extent required by applicable law. Maximum Card Balance at any time $10,000 Maximum Daily Load Limit 10 transactions and $5,000 per day Direct Deposit 5 transactions and $5,000 per day Cash and Check Reload Networks (Includes Swipe Reload at Kroger Family of Companies, Visa Prepaid ReadyLink at participating retailers, and Ingo Money who may have different limits. Does not include Recharge Card). 3 transactions and $1,000 per day 10 transactions and $10,000 every rolling 30 days Card to Card Transfer (includes Recharge CardTM Card) 2 transactions and $5,000 per day Recharge CardTM (Card to Card) 2 transactions and $1,000 per day Returns and Refunds 4 transactions per day Maximum Daily Debit Limit -- includes point of sale purchases, ATM Withdrawal, teller cash withdrawal, and card to card transfers 20 transactions and $5,000 per day Point of Sale Purchase (Personalized Reloadable Card Rewards Program and the Xxxx Xxxxx Rewards store program when your Personalized Card is activated. Rewards are not available for purchases made with your includes cash back at participating retailers) 20 transactions and $2,525 per day Point of Sale Purchase (Temporary Card. ) 20 transactions and $500 per day ATM Withdrawal (your card may not be used in Jamaica and potentially other countries - see Section 15) 3 transactions and $1,025 per transaction or $1,220 per day Teller Cash Withdrawal (at Visa member banks) (Financial Institutions may have lower limits) 3 transactions and $2,525 per day Card to Card Transfer 2 transactions and $2,500 per day The Xxxx Xxxxx Rewards Program Prepaid Debit® Card is only available on the Personalized Reloadable Card. The Xxxx Xxxxx Rewards Program is operated issued by Xxxx Xxxxx and by activating your Personalized Reloadable Card, you thereby authorize U.S. Bank National Association and Xxxx Xxxxx and its parent companies and affiliates Association, Member FDIC, pursuant to share your Cardholder registration, Card activity and Xxxx Xxxxx Rewards Program information between each a license from Visa U.S.A. Inc. Monthly fee $4.95† Per purchase $0 ATM withdrawal $2.50* in-network $2.50 out-of-network Cash reload $3.00 ATM balance inquiry (in-network or out-of-network) $0.50 Customer service (automated or live agent) $0 per call Inactivity $0 We charge 4 other and their authorized providers types of the Xxxx Xxxxx Rewards Programfees. Xxxx Xxxxx Rewards Points are earned as follows: • 2 Points per dollar spent on Net Purchases when you scan and pay for purchase in Xxxx Xxxxx Stores with your Xxxx Xxxxx Rewards Visa Prepaid Debit Card • 1 Point per dollar spent on Net Purchases outside Xxxx Xxxxx Stores For Purchases to be eligible for Points, you must pay with your Personalized Reloadable Card at the time of purchase. “Net Purchases” for a statement period are determined by totaling all new Purchases charged † This fee does not apply to the Personalized Reloadable Card during the billing cycle, then subtracting credits posted to the Personalized Card during the billing cycle for returned Purchases and/or adjustments. We may round Net Purchases up or down to a whole dollar amount for purposes of awarding Points; amounts less than one dollar will be disregarded. If credits during a statement period exceed Purchases, the credit balance will be carried over to following billing cycles and offset against future Purchases charged to the Personalized Card for purposes of awarding Points. You do not earn Points on the following transactions with your Personalized Reloadable Card: any purchase at Xxxx Xxxxx Fuel Centers or Kroger Fuel Centers, Advances (including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Convenience Checks, Balance Transfers, and Fees, credit insurance charges, or transactions to fund certain Prepaid card products that are posted to your Personalized Reloadable Temporary Card. We may reverse Points that were awarded for unauthorized Purchases, and we reserve the right to reverse Points and/or cancel benefits or awards if we reasonably believe that a Purchase was not a bona fide purchase of goods or services delivered or performed by a merchant and not returned by you. Points are nontransferable and have no cash value. There are no limits (other than the Personalized Reloadable Card available balance) on the amount of Points Cardholders can earn. From time to time, we may offer special promotions to provide additional opportunities to earn Points. A Cardholder’s earned Rewards Points will accrue based on purchases that post to his or her Xxxx Xxxxx Rewards Visa Prepaid Debit Card for the current Rewards cycle. The Rewards Points earned on the Xxxx Xxxxx Rewards Visa Prepaid Debit Card are sent to Xxxx Xxxxx, who manages the fulfillment of Xxxx Xxxxx Rewards Rebates. A Cardholder must accumulate a minimum of 500 Rewards Points in the Rewards cycle to qualify. At the end of each Rewards cycle, Rewards Points are tallied and Rebates are sent by Xxxx Xxxxx to those who qualify. Points are set to zero at the beginning of each new cycle. There is no maximum to the number of Points a Cardholder can earn in any given Rewards cycle. Your Personalized Reloadable Card must remain open and in good standing to earn and redeem Rewards Points. Rewards Rebates are loaded onto your Xxxx Xxxxx Rewards Card and are accessible by scanning the Rewards bar code on the back of your Personalized Reloadable Xxxx Xxxxx Rewards Visa Prepaid Debit Card in any Xxxx Xxxxx store. Rewards Rebates do not need to be redeemed in the exact amount earned and * This fee can be used over multiple transactions provided that the value of the purchase lower depending on how and where this card is less than or equal to the value of the Rewards Rebate loaded on the Xxxx Xxxxx Rewards Cardused. Rebates have no cash value; they may be used only to purchase merchandise at Xxxx Xxxxx. Rebates may not be used No overdraft/credit feature Register your card for ineligible items including, but not limited to, Gift Card or Money Order purchases, postage, tobacco, transit passes, lottery, fees, game licenses, U.S. Forest Service passes, Fuel Stop, prescriptions, phone activation, Western Union services or tickets. Neither U.S. Bank National Association nor Kroger Personal Finance® has any responsibility for lost, stolen, missing or otherwise damaged or destroyed Rewards Rebates. Use of the Xxxx Xxxxx Rewards Card (“Rewards Program”) constitutes acceptance of the following terms FDIC insurance eligibility and conditions by each Xxxx Xxxxx Rewards Member (“Member”)other protections.

Effects of Arbitration. If either of us chooses arbitration, neither of us will have the right to litigate the dispute in court or have a jury trial. In addition, you will not have the right to participate as a representative or member of any class of claimants, or in any other form of representative capacity that seeks monetary or other relief beyond your individual circumstances, pertaining to any dispute subject to arbitration. There shall be no authority for any claims to be arbitrated on a class action or any other form of representative basis. Arbitration can only decide your or our claim, and you may not consolidate or join the claims of other persons who may have similar claims, including without limitation claims for public injunctive or other equitable relief as to our other customers or members of the general public. Any such monetary, injunctive, or other equitable relief shall be limited solely to your accounts, agreements, and transaction with us. Notwithstanding the foregoing, any question as to the validity and effect of this class action waiver shall be decided solely by a court of competent jurisdiction, and not by the arbitrator. XXXX XXXXX REWARDS PROGRAM TERMS Xxxx Xxxxx We reserve the right to change the following Fee Schedule and Transaction Limitations in our sole discretion and we will provide written notification to you of such change to the extent required by applicable law. The Kroger Rewards Prepaid Visa® Prepaid Debit Card Program SummaryFee Schedule Effective Date 7/18/2018 All Fees Amount Details Get Started and Monthly Usage Card Purchase $1.50 This is our fee to purchase the Temporary Card at Kroger Family of Companies. The Xxxx Xxxxx Rewards Program Fee is offered by Xxxx Xxxxx Stores, Inc. (“Xxxx Xxxxx”)paid at time of purchase. Only There is no fee for the Rewards Program as it pertains to your Personalized Reloadable Card. Reloadable Card is described available online at xxxxxxxxxxxxx.xxx, or by registering a Temporary Card for a Reloadable Card online at xxxxxxxxxxxxx.xxx or by calling 888-371- 8901. Monthly Fee $4.95 This fee will be charged once per month each month your Account is open. Fee is not assessed when balance is $0. There is no Monthly Fee for the Temporary Card. Add Money Direct Deposit $0 There is no fee to reload via Direct deposit from employer, government benefits provider, or other payer. Cash Reload (Swipe Reload) $3.00 This is our fee to load cash at participating Kroger Family of Companies. Fee is paid at time of reload. Cash Reload (Recharge Card™) $3.00 This is our fee to purchase Recharge Card at participating Kroger Family of Companies. Fee is paid at time of purchase. Card to Card Transfer $0 There is no fee to perform a transfer to/from another Kroger Reloadable Card. Electronic Reload $0 There is no fee to perform an electronic transfer from another account. Third party fees may apply. Check Reload (Ingo Money) 5% or $5.00 min. This is not our fee and is subject to change. Fee of up to 5% of check value may apply when cashing a check to load your card at Ingo Money. Money in Minutes - 2% (pre-printed payroll or gov't checks) or 5% (all other checks), minimum fee of $5.00. Money in 10 Days - no fee. Fee is deducted from check value. Go to xxxxxxxxx.xxx for more information. This fee is accurate as of 7/18/2018. Cash Reload (Visa Readylink) Varies by Retailer Third party fee may apply when reloading your Kroger Rewards Prepaid Visa Card at a Visa Readylink location. Xxx is paid to third party at the time of reload. Go to xxx.xxxx.xxx/xxx-xxxx- visa/cards/services-locator.html for locations. Get Cash ATM Withdrawal (in-network) $2.50 This is our fee per withdrawal. "In-network" refers to all the ATMS inside of the MoneyPass® ATM network. This fee is waived for your first ATM withdrawal per month from an "in-network" ATM that is part of the MoneyPass® ATM network. Locations can be found at xxxxxxxxx.xxx/xxx-xxxxxxx. ATM Withdrawal (out-of-network) $2.50 This is our fee per withdrawal. "Out of network" refers to all the ATMs outside of the MoneyPass® ATM network. You may also be charged a fee by the ATM operator even if you do not complete a transaction. Cash Back at Point of Sale $0 There is no fee when you obtain cash back over the amount of your purchase at participating retailers. Teller Cash Withdrawal $0 There is no fee when you withdraw cash from your card from a teller at a bank or credit union that accepts Visa. Information Cardholder Services $0 There is no fee to contact Cardholder Services. ATM Balance Inquiry (in-network) $0.50 This is our fee per balance inquiry. "In-network" refers to the MoneyPass® ATM Network. Locations can be found at xxxxxxxxx.xxx/xxx-xxxxxxx. ATM Balance Inquiry (out-of-network) $0.50 This is our fee per inquiry. "Out of network" refers to all the ATMs outside of the MoneyPass® ATM network. You may also be charged a fee by the ATM operator. Online Statements $0 Statements available at xxxxxxxxxxxxx.xxx. Email or Text Message Alert $0 There is no fee for Text Alerts, your mobile carrier may charge a fee. Standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Paper Statements $0 Order paper statements by logging into your Account at xxxxxxxxxxxxx.xxx or by calling 000-000-0000. . Using Your Card Outside of the U.S. International Transaction 3% This is our fee which applies when you use your Card for purchases at foreign merchants and for cash withdrawals from foreign ATMs and is a percentage of the transaction dollar amount, after any currency conversion. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered foreign transactions under the applicable network rules, and we do not control how these merchants, ATMs and transactions are classified for this Rewards Program Summarypurpose. International ATM Withdrawal $2.50 This is our fee per withdrawal. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry $1.00 This is our fee per inquiry. You may also be charged a fee by the ATM operator. Other Card Replacement $3.00 This is our fee per replacement of a lost or stolen card. Card is mailed to you with standard delivery of 7-10 business days. Card Replacement Expedited Delivery $15.00 This is our fee per expedited delivery of a replacement card charged in addition to any Card Replacement fee. Card is mailed to you with expedited delivery up to 5 business days. Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to U.S. Bank National Association, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event U.S. Bank fails, if specific deposit insurance requirements are met and your card is registered. See xxxx.xxx/xxxxxxx/xxxxxxxx/xxxxxxx.xxxx for details. No overdraft/credit feature. Contact Cardholder Services about your Temporary Card by calling 000-000-0000 or about your Reloadable Card by calling 000-000-0000. You may also contact us by mail at P.O. Box, 551667 Jacksonville, FL 32255 or visit xxxxxxxxxxxxx.xxx. For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 0-000-000-0000 or visit xxxx.xxx/xxxxxxxxx. Transaction Limits For security reasons, there are limitations on the number and amount of transactions that you may perform with your Card. There may be additional benefits offered limits on the amount, number or types of transactions you can make using your Card and for security reasons we do not disclose these limits. Daily limits are based on a rolling 24-hour period. Limits are subject to you change from time to time. Your will receive prior notice of such changes to the extent required by applicable law. Maximum Card Balance at any time by Xxxx Xxxxx or The $10,000 Maximum Daily Load Limit 10 transactions and $5,000 per day Direct Deposit 5 transactions and $5,000 per day Cash and Check Reload Networks (Includes Swipe Reload at Kroger Co. as part Family of the Rewards ProgramCompanies, Visa ReadyLink at participating retailers, and Ingo Money who may have different limits. Those additional benefits are Does not subject include Recharge Card). 3 transactions and $1,000 per day 10 transactions and $10,000 every rolling 30 days Card to this Agreement. You are automatically enrolled in both the Xxxx Xxxxx Rewards Visa Prepaid Card Transfer (includes Recharge CardTM Card) 2 transactions and $5,000 per day Recharge CardTM (Card to Card) 2 transactions and $1,000 per day Returns and Refunds 4 transactions per day Maximum Daily Debit Card Rewards Program Limit -- includes point of sale purchases, ATM Withdrawal, teller cash withdrawal, and the Xxxx Xxxxx Rewards store program when your Personalized Card is activated. Rewards are not available for purchases made with your Temporary Card. The Xxxx Xxxxx Rewards Program is only available on the Personalized Reloadable Card. The Xxxx Xxxxx Rewards Program is operated by Xxxx Xxxxx card to card transfers 20 transactions and by activating your Personalized Reloadable Card, you thereby authorize U.S. Bank National Association and Xxxx Xxxxx and its parent companies and affiliates to share your Cardholder registration, Card activity and Xxxx Xxxxx Rewards Program information between each other and their authorized providers $5,000 per day Point of the Xxxx Xxxxx Rewards Program. Xxxx Xxxxx Rewards Points are earned as follows: • 2 Points per dollar spent on Net Purchases when you scan and pay for purchase in Xxxx Xxxxx Stores with your Xxxx Xxxxx Rewards Visa Prepaid Debit Card • 1 Point per dollar spent on Net Purchases outside Xxxx Xxxxx Stores For Purchases to be eligible for Points, you must pay with your Sale Purchase (Personalized Reloadable Card and includes cash back at the time participating retailers) 20 transactions and $2,525 per day Point of purchase. “Net Purchases” for a statement period are determined by totaling all new Purchases charged to the Personalized Reloadable Card during the billing cycle, then subtracting credits posted to the Personalized Card during the billing cycle for returned Purchases and/or adjustments. We may round Net Purchases up or down to a whole dollar amount for purposes of awarding Points; amounts less than one dollar will be disregarded. If credits during a statement period exceed Purchases, the credit balance will be carried over to following billing cycles Sale Purchase (Temporary Card) 20 transactions and offset against future Purchases charged to the Personalized Card for purposes of awarding Points. You do not earn Points on the following transactions with $500 per day ATM Withdrawal (your Personalized Reloadable Card: any purchase at Xxxx Xxxxx Fuel Centers or Kroger Fuel Centers, Advances (including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Convenience Checks, Balance Transfers, and Fees, credit insurance charges, or transactions to fund certain Prepaid card products that are posted to your Personalized Reloadable Card. We may reverse Points that were awarded for unauthorized Purchases, and we reserve the right to reverse Points and/or cancel benefits or awards if we reasonably believe that a Purchase was not a bona fide purchase of goods or services delivered or performed by a merchant and not returned by you. Points are nontransferable and have no cash value. There are no limits (other than the Personalized Reloadable Card available balance) on the amount of Points Cardholders can earn. From time to time, we may offer special promotions to provide additional opportunities to earn Points. A Cardholder’s earned Rewards Points will accrue based on purchases that post to his or her Xxxx Xxxxx Rewards Visa Prepaid Debit Card for the current Rewards cycle. The Rewards Points earned on the Xxxx Xxxxx Rewards Visa Prepaid Debit Card are sent to Xxxx Xxxxx, who manages the fulfillment of Xxxx Xxxxx Rewards Rebates. A Cardholder must accumulate a minimum of 500 Rewards Points in the Rewards cycle to qualify. At the end of each Rewards cycle, Rewards Points are tallied and Rebates are sent by Xxxx Xxxxx to those who qualify. Points are set to zero at the beginning of each new cycle. There is no maximum to the number of Points a Cardholder can earn in any given Rewards cycle. Your Personalized Reloadable Card must remain open and in good standing to earn and redeem Rewards Points. Rewards Rebates are loaded onto your Xxxx Xxxxx Rewards Card and are accessible by scanning the Rewards bar code on the back of your Personalized Reloadable Xxxx Xxxxx Rewards Visa Prepaid Debit Card in any Xxxx Xxxxx store. Rewards Rebates do not need to be redeemed in the exact amount earned and can be used over multiple transactions provided that the value of the purchase is less than or equal to the value of the Rewards Rebate loaded on the Xxxx Xxxxx Rewards Card. Rebates have no cash value; they may be used only to purchase merchandise at Xxxx Xxxxx. Rebates may not be used for ineligible items including, but not limited to, Gift in Jamaica and potentially other countries - see Section 15) 3 transactions and $1,025 per transaction or $1,220 per day Teller Cash Withdrawal (at Visa member banks) (Financial Institutions may have lower limits) 3 transactions and $2,525 per day Card or Money Order purchases, postage, tobacco, transit passes, lottery, fees, game licenses, U.S. Forest Service passes, Fuel Stop, prescriptions, phone activation, Western Union services or tickets. Neither to Card Transfer 2 transactions and $2,500 per day The Kroger Rewards Prepaid Visa® Card is issued by U.S. Bank National Association nor Kroger Personal Finance® has any responsibility Association, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Monthly fee Per purchase ATM withdrawal Cash reload $4.95† $0 $2.50* in-network $3.00 $2.50 out-of-network ATM balance inquiry (in-network or out-of-network) $0.50 Customer service (automated or live agent) $0 per call Inactivity $0 We charge 4 other types of fees. † This fee does not apply to the Temporary Card. * This fee can be lower depending on how and where this card is used. No overdraft/credit feature Register your card for lostFDIC insurance eligibility and other protections. For general information about prepaid accounts, stolen, missing or otherwise damaged or destroyed Rewards Rebatesvisit xxxx.xxx/xxxxxxx. Use of the Xxxx Xxxxx Rewards Card (“Rewards Program”) constitutes acceptance of the following terms Find details and conditions by each Xxxx Xxxxx Rewards Member (“Member”)for all fees and services inside the package or call 000-000-0000 or visit xxxxxxxxxxxxx.xxx.

Effects of Arbitration. If either of us chooses arbitration, neither of us will have the right to litigate the dispute in court or have a jury trial. In addition, you will not have the right to participate as a representative or member of any class of claimants, or in any other form of representative capacity that seeks monetary or other relief beyond your individual circumstances, pertaining to any dispute subject to arbitration. There shall be no authority for any claims to be arbitrated on a class action or any other form of representative basis. Arbitration can only decide your or our claim, and you may not consolidate or join the claims of other persons who may have similar claims, including without limitation claims for public injunctive or other equitable relief as to our other customers or members of the general public. Any such monetary, injunctive, or other equitable relief shall be limited solely to your accounts, agreements, and transaction with us. Notwithstanding the foregoing, any question as to the validity and effect of this class action waiver shall be decided solely by a court of competent jurisdiction, and not by the arbitrator. XXXX XXXXX REWARDS PROGRAM TERMS Xxxx Xxxxx We reserve the right to change the following Fee Schedule and Transaction Limitations in our sole discretion and we will provide written notification to you of such change to the extent required by applicable law. The Kroger Rewards Prepaid Visa® Prepaid Debit Card Program SummaryFee Schedule Effective Date 7/18/2018 All Fees Amount Details Get Started and Monthly Usage Card Purchase $1.50 This is our fee to purchase the Temporary Card at Kroger Family of Companies. The Xxxx Xxxxx Rewards Program Fee is offered by Xxxx Xxxxx Stores, Inc. (“Xxxx Xxxxx”)paid at time of purchase. Only There is no fee for the Rewards Program as it pertains to your Personalized Reloadable Card. Reloadable Card is described available online at xxxxxxxxxxxxx.xxx, or by registering a Temporary Card for a Reloadable Card online at xxxxxxxxxxxxx.xxx or by calling 888-371- 8901. Monthly Fee $4.95 This fee will be charged once per month each month your Account is open. Fee is not assessed when balance is $0. There is no Monthly Fee for the Temporary Card. Add Money Direct Deposit $0 There is no fee to reload via Direct deposit from employer, government benefits provider, or other payer. Cash Reload (Swipe Reload) $3.00 This is our fee to load cash at participating Kroger Family of Companies. Fee is paid at time of reload. Cash Reload (Recharge Card™) $3.00 This is our fee to purchase Recharge Card at participating Kroger Family of Companies. Fee is paid at time of purchase. Card to Card Transfer $0 There is no fee to perform a transfer to/from another Kroger Reloadable Card. Electronic Reload $0 There is no fee to perform an electronic transfer from another account. Third party fees may apply. Check Reload (Ingo Money) 5% or $5.00 min. This is not our fee and is subject to change. Fee of up to 5% of check value may apply when cashing a check to load your card at Ingo Money. Money in Minutes - 2% (pre-printed payroll or gov't checks) or 5% (all other checks), minimum fee of $5.00. Money in 10 Days - no fee. Fee is deducted from check value. Go to xxxxxxxxx.xxx for more information. This fee is accurate as of 7/18/2018. Cash Reload (Visa Readylink) Varies by Retailer Third party fee may apply when reloading your Kroger Rewards Prepaid Visa Card at a Visa Readylink location. Xxx is paid to third party at the time of reload. Go to xxx.xxxx.xxx/xxx-xxxx- visa/cards/services-locator.html for locations. Get Cash ATM Withdrawal (in-network) $2.50 This is our fee per withdrawal. "In-network" refers to all the ATMS inside of the MoneyPass® ATM network. This fee is waived for your first ATM withdrawal per month from an "in-network" ATM that is part of the MoneyPass® ATM network. Locations can be found at xxxxxxxxx.xxx/xxx-xxxxxxx. ATM Withdrawal (out-of-network) $2.50 This is our fee per withdrawal. "Out of network" refers to all the ATMs outside of the MoneyPass® ATM network. You may also be charged a fee by the ATM operator even if you do not complete a transaction. Cash Back at Point of Sale $0 There is no fee when you obtain cash back over the amount of your purchase at participating retailers. Teller Cash Withdrawal $0 There is no fee when you withdraw cash from your card from a teller at a bank or credit union that accepts Visa. Information Cardholder Services $0 There is no fee to contact Cardholder Services. ATM Balance Inquiry (in-network) $0.50 This is our fee per balance inquiry. "In-network" refers to the MoneyPass® ATM Network. Locations can be found at xxxxxxxxx.xxx/xxx-xxxxxxx. ATM Balance Inquiry (out-of-network) $0.50 This is our fee per inquiry. "Out of network" refers to all the ATMs outside of the MoneyPass® ATM network. You may also be charged a fee by the ATM operator. Online Statements $0 Statements available at xxxxxxxxxxxxx.xxx. Email or Text Message Alert $0 There is no fee for Text Alerts, your mobile carrier may charge a fee. Standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Paper Statements $0 Order paper statements by logging into your Account at xxxxxxxxxxxxx.xxx or by calling 000-000-0000. . Using Your Card Outside of the U.S. International Transaction 3% This is our fee which applies when you use your Card for purchases at foreign merchants and for cash withdrawals from foreign ATMs and is a percentage of the transaction dollar amount, after any currency conversion. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered foreign transactions under the applicable network rules, and we do not control how these merchants, ATMs and transactions are classified for this Rewards Program Summarypurpose. International ATM Withdrawal $2.50 This is our fee per withdrawal. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry $1.00 This is our fee per inquiry. You may also be charged a fee by the ATM operator. Other Card Replacement $3.00 This is our fee per replacement of a lost or stolen card. Card is mailed to you with standard delivery of 7-10 business days. Card Replacement Expedited Delivery $15.00 This is our fee per expedited delivery of a replacement card charged in addition to any Card Replacement fee. Card is mailed to you with expedited delivery up to 5 business days. Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to U.S. Bank National Association, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event U.S. Bank fails, if specific deposit insurance requirements are met and your card is registered. See xxxx.xxx/xxxxxxx/xxxxxxxx/xxxxxxx.xxxx for details. No overdraft/credit feature. Contact Cardholder Services about your Temporary Card by calling 000-000-0000 or about your Reloadable Card by calling 000-000-0000. You may also contact us by mail at P.O. Box, 551667 Jacksonville, FL 32255 or visit xxxxxxxxxxxxx.xxx. For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 0-000-000-0000 or visit xxxx.xxx/xxxxxxxxx. Transaction Limits For security reasons, there are limitations on the number and amount of transactions that you may perform with your Card. There may be additional benefits offered limits on the amount, number or types of transactions you can make using your Card and for security reasons we do not disclose these limits. Daily limits are based on a rolling 24-hour period. Limits are subject to you change from time to time. Your will receive prior notice of such changes to the extent required by applicable law. Maximum Card Balance at any time by Xxxx Xxxxx or The $10,000 Maximum Daily Load Limit 10 transactions and $5,000 per day Direct Deposit 5 transactions and $5,000 per day Cash and Check Reload Networks (Includes Swipe Reload at Kroger Co. as part Family of the Rewards ProgramCompanies, Visa ReadyLink at participating retailers, and Ingo Money who may have different limits. Those additional benefits are Does not subject include Recharge Card). 3 transactions and $1,000 per day 10 transactions and $10,000 every rolling 30 days Card to this Agreement. You are automatically enrolled in both the Xxxx Xxxxx Rewards Visa Prepaid Card Transfer (includes Recharge CardTM Card) 2 transactions and $5,000 per day Recharge CardTM (Card to Card) 2 transactions and $1,000 per day Returns and Refunds 4 transactions per day Maximum Daily Debit Card Rewards Program Limit -- includes point of sale purchases, ATM Withdrawal, teller cash withdrawal, and the Xxxx Xxxxx Rewards store program when your Personalized Card is activated. Rewards are not available for purchases made with your Temporary Card. The Xxxx Xxxxx Rewards Program is only available on the Personalized Reloadable Card. The Xxxx Xxxxx Rewards Program is operated by Xxxx Xxxxx card to card transfers 20 transactions and by activating your Personalized Reloadable Card, you thereby authorize U.S. Bank National Association and Xxxx Xxxxx and its parent companies and affiliates to share your Cardholder registration, Card activity and Xxxx Xxxxx Rewards Program information between each other and their authorized providers $5,000 per day Point of the Xxxx Xxxxx Rewards Program. Xxxx Xxxxx Rewards Points are earned as follows: • 2 Points per dollar spent on Net Purchases when you scan and pay for purchase in Xxxx Xxxxx Stores with your Xxxx Xxxxx Rewards Visa Prepaid Debit Card • 1 Point per dollar spent on Net Purchases outside Xxxx Xxxxx Stores For Purchases to be eligible for Points, you must pay with your Sale Purchase (Personalized Reloadable Card and includes cash back at the time participating retailers) 20 transactions and $2,525 per day Point of purchase. “Net Purchases” for a statement period are determined by totaling all new Purchases charged to the Personalized Reloadable Card during the billing cycle, then subtracting credits posted to the Personalized Card during the billing cycle for returned Purchases and/or adjustments. We may round Net Purchases up or down to a whole dollar amount for purposes of awarding Points; amounts less than one dollar will be disregarded. If credits during a statement period exceed Purchases, the credit balance will be carried over to following billing cycles Sale Purchase (Temporary Card) 20 transactions and offset against future Purchases charged to the Personalized Card for purposes of awarding Points. You do not earn Points on the following transactions with $500 per day ATM Withdrawal (your Personalized Reloadable Card: any purchase at Xxxx Xxxxx Fuel Centers or Kroger Fuel Centers, Advances (including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Convenience Checks, Balance Transfers, and Fees, credit insurance charges, or transactions to fund certain Prepaid card products that are posted to your Personalized Reloadable Card. We may reverse Points that were awarded for unauthorized Purchases, and we reserve the right to reverse Points and/or cancel benefits or awards if we reasonably believe that a Purchase was not a bona fide purchase of goods or services delivered or performed by a merchant and not returned by you. Points are nontransferable and have no cash value. There are no limits (other than the Personalized Reloadable Card available balance) on the amount of Points Cardholders can earn. From time to time, we may offer special promotions to provide additional opportunities to earn Points. A Cardholder’s earned Rewards Points will accrue based on purchases that post to his or her Xxxx Xxxxx Rewards Visa Prepaid Debit Card for the current Rewards cycle. The Rewards Points earned on the Xxxx Xxxxx Rewards Visa Prepaid Debit Card are sent to Xxxx Xxxxx, who manages the fulfillment of Xxxx Xxxxx Rewards Rebates. A Cardholder must accumulate a minimum of 500 Rewards Points in the Rewards cycle to qualify. At the end of each Rewards cycle, Rewards Points are tallied and Rebates are sent by Xxxx Xxxxx to those who qualify. Points are set to zero at the beginning of each new cycle. There is no maximum to the number of Points a Cardholder can earn in any given Rewards cycle. Your Personalized Reloadable Card must remain open and in good standing to earn and redeem Rewards Points. Rewards Rebates are loaded onto your Xxxx Xxxxx Rewards Card and are accessible by scanning the Rewards bar code on the back of your Personalized Reloadable Xxxx Xxxxx Rewards Visa Prepaid Debit Card in any Xxxx Xxxxx store. Rewards Rebates do not need to be redeemed in the exact amount earned and can be used over multiple transactions provided that the value of the purchase is less than or equal to the value of the Rewards Rebate loaded on the Xxxx Xxxxx Rewards Card. Rebates have no cash value; they may be used only to purchase merchandise at Xxxx Xxxxx. Rebates may not be used for ineligible items including, but not limited to, Gift in Jamaica and potentially other countries - see Section 15) 3 transactions and $1,025 per transaction or $1,220 per day Teller Cash Withdrawal (at Visa member banks) (Financial Institutions may have lower limits) 3 transactions and $2,525 per day Card or Money Order purchases, postage, tobacco, transit passes, lottery, fees, game licenses, U.S. Forest Service passes, Fuel Stop, prescriptions, phone activation, Western Union services or tickets. Neither to Card Transfer 2 transactions and $2,500 per day The Kroger Rewards Prepaid Visa® Card is issued by U.S. Bank National Association nor Kroger Personal Finance® has any responsibility for lostAssociation, stolenMember FDIC, missing or otherwise damaged or destroyed Rewards Rebates. Use of the Xxxx Xxxxx Rewards Card (“Rewards Program”) constitutes acceptance of the following terms and conditions by each Xxxx Xxxxx Rewards Member (“Member”).pursuant to a license from Visa

Effects of Arbitration. If either of us chooses arbitration, neither of us will have the right to litigate the dispute in court or have a jury trial. In addition, you will not have the right to participate as a representative or member of any class of claimants, or in any other form of representative capacity that seeks monetary or other relief beyond your individual circumstances, pertaining to any dispute subject to arbitration. There shall be no authority for any claims to be arbitrated on a class action or any other form of representative basis. Arbitration can only decide your or our claim, and you may not consolidate or join the claims of other persons who may have similar claims, including without limitation claims for public injunctive or other equitable relief as to our other customers or members of the general public. Any such monetary, injunctive, or other equitable relief shall be limited solely to your accounts, agreements, and transaction with us. Notwithstanding the foregoing, any question as to the validity and effect of this class action waiver shall be decided solely by a court of competent jurisdiction, and not by the arbitrator. XXXX XXXXX REWARDS PROGRAM TERMS Xxxx Xxxxx Rewards Visa® Prepaid Debit Card Program SummaryWe reserve the right to change the following Fee Schedule and Transaction Limitations in our sole discretion and we will provide written notification to you of such change to the extent required by applicable law. The Xxxx Xxxxx Rewards Program Prepaid Debit® Card Fee Schedule Effective Date 4/1/2019 All Fees Amount Details Get Started and Monthly Usage Card Purchase $1.50 This is offered by our fee to purchase the Temporary Card at Xxxx Xxxxx Storesstore locations. Fee is paid at time of purchase. There is no fee for the Reloadable Card. Reloadable Card is available online at xxxxxxxxxxxxxxxx.xxx, Inc. or by registering a Temporary Card for a Reloadable Card online at xxxxxxxxxxxxxxxx.xxx or by calling 000- 000-0000. Monthly Fee $4.95 This fee will be charged once per month each month your Account is open. Fee is not assessed when balance is $0. There is no Monthly Fee for the Temporary Card. Add Money Direct Deposit $0 There is no fee to reload via Direct Deposit from employer, government benefits provider, or other payer. Cash Reload (“Swipe Reload) $3.00 This is our fee to load cash at participating Kroger Family of Companies. Fee is paid at time of reload. Cash Reload (Recharge Card™) $3.00 This is our fee to purchase Recharge Card at participating Kroger Family of Companies. Fee is paid at time of purchase. Card to Card Transfer $0 There is no fee to perform a transfer to/from another Personalized Reloadable Card. Electronic Reload $0 There is no fee to perform an electronic transfer from another account. Third party fees may apply. Check Reload (Ingo Money) 5% or $5.00 min. This is not our fee and is subject to change. Fee of up to 5% of check value may apply when cashing a check to load your card at Ingo Money. Money in Minutes - 2% (pre-printed payroll or gov't checks) or 5% (all other checks), minimum fee of $5.00. Money in 10 Days - no fee. Fee is deducted from check value. Go to xxxxxxxxx.xxx for more information. This fee is accurate as of 11/12/2018. Cash Reload (Visa® Readylink) Varies by Retailer Third party fee may apply when reloading your Xxxx Xxxxx”Xxxxx Rewards Prepaid Debit Card at a Visa Readylink location. Xxx is paid to third party at the time of reload. Go to xxx.xxxx.xxx/xxx-xxxx- visa/cards/services-locator.html for locations. Get Cash ATM Withdrawal (in-network) $2.50 This is our fee per withdrawal. "In-network" refers to all the ATMS inside of the MoneyPass® ATM network. This fee is waived for your first ATM withdrawal per month from an "in-network" ATM that is part of the MoneyPass® ATM network. Locations can be found at xxxxxxxxx.xxx/xxx-xxxxxxx. ATM Withdrawal (out-of-network) $2.50 This is our fee per withdrawal. "Out-of-network" refers to all the ATMs outside of the MoneyPass® ATM network. You may also be charged a fee by the ATM operator even if you do not complete a transaction. Cash Back at Point of Sale $0 There is no fee when you obtain cash back over the amount of your purchase at participating retailers. Teller Cash Withdrawal $0 There is no fee when you withdraw cash from your card from a teller at a bank or credit union that accepts Visa. Information Cardholder Services $0 There is no fee to contact Cardholder Services. ATM Balance Inquiry (in-network) $0.50 This is our fee per balance inquiry. "In-network" refers to the MoneyPass® ATM Network. Locations can be found at xxxxxxxxx.xxx/xxx-xxxxxxx. ATM Balance Inquiry (out-of-network) $0.50 This is our fee per inquiry. "Out-of-network" refers to all the ATMs outside of the MoneyPass® ATM network. You may also be charged a fee by the ATM operator. Online Statements $0 Statements available at xxxxxxxxxxxxxxxx.xxx. Email or Text Message Alert $0 There is no fee for Text Alerts, your mobile carrier may charge a fee. Standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Paper Statements $0 Order paper statements by logging into your Account at xxxxxxxxxxxxxxxx.xxx or by calling 000-000-0000. Using Your Card Outside of the U.S. International Transaction 3% This is our fee which applies when you use your Card for purchases at foreign merchants and for cash withdrawals from foreign ATMs and is a percentage of the transaction dollar amount, after any currency conversion. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered foreign transactions under the applicable network rules, and we do not control how these merchants, ATMs and transactions are classified for this purpose. International ATM Withdrawal $2.50 This is our fee per withdrawal. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. International ATM Balance Inquiry $1.00 This is our fee per inquiry. You may also be charged a fee by the ATM operator. Other Card Replacement $3.00 This is our fee per replacement of a lost or stolen card. Card is mailed to you with standard delivery of 7-10 business days. Card Replacement Expedited Delivery $15.00 This is our fee per expedited delivery of a replacement card charged in addition to any Card Replacement fee. Card is mailed to you with expedited delivery up to 5 business days. Inactivity $2.00 This fee applies only to Temporary Cards purchased PRIOR to 1/1/17. This is our fee charged each month beginning on the 13th month following 12 consecutive months without a Transaction (as restricted under applicable state law). Only Not assessed if the Rewards Program as it pertains to your balance is $0. There is no inactivity fee for the Personalized Reloadable Card or for Temporary Cards purchased on or after 1/1/17. For cards purchased in New York where there is described no address on record or New York residents, the fee is assessed beginning on the 25th month following 24 months without a Transaction. There is no inactivity fee for the Personalized Reloadable Card or for Temporary Cards purchased beginning 12/25/16. Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to U.S. Bank National Association, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in this Rewards Program Summarythe event U.S. Bank fails, if specific deposit insurance requirements are met and your card is registered. See xxxx.xxx/xxxxxxx/xxxxxxxx/xxxxxxx.xxxx for details. No overdraft/credit feature. Contact Cardholder Services about your Temporary Card by calling 000-000-0000 or about your Reloadable Card by calling 000-000-0000. You may also contact us by mail at P.O. Box, 551667 Jacksonville, FL 32255 or visit xxxxxxxxxxxxxxxx.xxx. For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 0-000-000-0000 or visit xxxx.xxx/xxxxxxxxx. Transaction Limits For security reasons, there are limitations on the number and amount of transactions that you may perform with your Card. There may be additional benefits offered limits on the amount, number or types of transactions you can make using your Card and for security reasons we do not disclose these limits. Daily limits are based on a rolling 24-hour period. Limits are subject to you change from time to time by Xxxx Xxxxx or The Kroger Co. as part of the Rewards Program. Those additional benefits are not subject to this Agreementtime. You are automatically enrolled in both will receive prior notice of such changes to the Xxxx Xxxxx Rewards extent required by applicable law. Maximum Card Balance at any time $10,000 Maximum Daily Load Limit 10 transactions and $5,000 per day Direct Deposit 5 transactions and $5,000 per day Cash and Check Reload Networks (Includes Swipe Reload at Kroger Family of Companies, Visa Prepaid ReadyLink at participating retailers, and Ingo Money who may have different limits. Does not include Recharge Card). 3 transactions and $1,000 per day 10 transactions and $10,000 every rolling 30 days Card to Card Transfer (includes Recharge CardTM Card) 2 transactions and $5,000 per day Recharge CardTM (Card to Card) 2 transactions and $1,000 per day Returns and Refunds 4 transactions per day Maximum Daily Debit Card Rewards Program Limit -- includes point of sale purchases, ATM Withdrawal, teller cash withdrawal, and the Xxxx Xxxxx Rewards store program when your Personalized Card is activated. Rewards are not available for purchases made with your Temporary Card. The Xxxx Xxxxx Rewards Program is only available on the Personalized Reloadable Card. The Xxxx Xxxxx Rewards Program is operated by Xxxx Xxxxx card to card transfers 20 transactions and by activating your Personalized Reloadable Card, you thereby authorize U.S. Bank National Association and Xxxx Xxxxx and its parent companies and affiliates to share your Cardholder registration, Card activity and Xxxx Xxxxx Rewards Program information between each other and their authorized providers $5,000 per day Point of the Xxxx Xxxxx Rewards Program. Xxxx Xxxxx Rewards Points are earned as follows: • 2 Points per dollar spent on Net Purchases when you scan and pay for purchase in Xxxx Xxxxx Stores with your Xxxx Xxxxx Rewards Visa Prepaid Debit Card • 1 Point per dollar spent on Net Purchases outside Xxxx Xxxxx Stores For Purchases to be eligible for Points, you must pay with your Sale Purchase (Personalized Reloadable Card and includes cash back at the time participating retailers) 20 transactions and $2,525 per day Point of purchase. “Net Purchases” for a statement period are determined by totaling all new Purchases charged to the Personalized Reloadable Card during the billing cycle, then subtracting credits posted to the Personalized Card during the billing cycle for returned Purchases and/or adjustments. We may round Net Purchases up or down to a whole dollar amount for purposes of awarding Points; amounts less than one dollar will be disregarded. If credits during a statement period exceed Purchases, the credit balance will be carried over to following billing cycles Sale Purchase (Temporary Card) 20 transactions and offset against future Purchases charged to the Personalized Card for purposes of awarding Points. You do not earn Points on the following transactions with $500 per day ATM Withdrawal (your Personalized Reloadable Card: any purchase at Xxxx Xxxxx Fuel Centers or Kroger Fuel Centers, Advances (including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Convenience Checks, Balance Transfers, and Fees, credit insurance charges, or transactions to fund certain Prepaid card products that are posted to your Personalized Reloadable Card. We may reverse Points that were awarded for unauthorized Purchases, and we reserve the right to reverse Points and/or cancel benefits or awards if we reasonably believe that a Purchase was not a bona fide purchase of goods or services delivered or performed by a merchant and not returned by you. Points are nontransferable and have no cash value. There are no limits (other than the Personalized Reloadable Card available balance) on the amount of Points Cardholders can earn. From time to time, we may offer special promotions to provide additional opportunities to earn Points. A Cardholder’s earned Rewards Points will accrue based on purchases that post to his or her Xxxx Xxxxx Rewards Visa Prepaid Debit Card for the current Rewards cycle. The Rewards Points earned on the Xxxx Xxxxx Rewards Visa Prepaid Debit Card are sent to Xxxx Xxxxx, who manages the fulfillment of Xxxx Xxxxx Rewards Rebates. A Cardholder must accumulate a minimum of 500 Rewards Points in the Rewards cycle to qualify. At the end of each Rewards cycle, Rewards Points are tallied and Rebates are sent by Xxxx Xxxxx to those who qualify. Points are set to zero at the beginning of each new cycle. There is no maximum to the number of Points a Cardholder can earn in any given Rewards cycle. Your Personalized Reloadable Card must remain open and in good standing to earn and redeem Rewards Points. Rewards Rebates are loaded onto your Xxxx Xxxxx Rewards Card and are accessible by scanning the Rewards bar code on the back of your Personalized Reloadable Xxxx Xxxxx Rewards Visa Prepaid Debit Card in any Xxxx Xxxxx store. Rewards Rebates do not need to be redeemed in the exact amount earned and can be used over multiple transactions provided that the value of the purchase is less than or equal to the value of the Rewards Rebate loaded on the Xxxx Xxxxx Rewards Card. Rebates have no cash value; they may be used only to purchase merchandise at Xxxx Xxxxx. Rebates may not be used for ineligible items including, but not limited to, Gift in Jamaica and potentially other countries - see Section 15) 3 transactions and $1,025 per transaction or $1,220 per day Teller Cash Withdrawal (at Visa member banks) (Financial Institutions may have lower limits) 3 transactions and $2,525 per day Card or Money Order purchases, postage, tobacco, transit passes, lottery, fees, game licenses, U.S. Forest Service passes, Fuel Stop, prescriptions, phone activation, Western Union services or tickets. Neither U.S. Bank National Association nor Kroger Personal Finance® has any responsibility for lost, stolen, missing or otherwise damaged or destroyed Rewards Rebates. Use of the Xxxx Xxxxx Rewards to Card (“Rewards Program”) constitutes acceptance of the following terms Transfer 2 transactions and conditions by each Xxxx Xxxxx Rewards Member (“Member”).$2,500 per day