Common use of Preauthorized Transfers Clause in Contracts

Preauthorized Transfers. The Virtual Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Virtual Account number to anyone. Using The Virtual Account/Features The maximum dollar value of the Virtual Account is the balance of the Virtual Account, which can be found by calling 0-000-000-0000 or by visiting XxxxxxxXXxxx.xxx. These are the maximum amounts that can be spent on the Virtual Account: Transaction Type Frequency and/or Dollar Limits Virtual Account Purchases (Signature) No limit to the number of times per day, up to $500.00 per day* Virtual Account Purchases (PIN) No limit to the number of times per day, up to $500.00 per day* *Limits are restricted to the dollar value that has been loaded to the Virtual Account. For Virtual Account balance information, please call 0-000-000-0000 or visit XxxxxxxXXxxx.xxx. You may use the Virtual Account for electronic commerce, mail order and/or telephone order purchases to pur- chase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa® debit accounts and PULSE® accounts are accepted as long as you do not exceed the available value of the Virtual Account and other restrictions (see examples described below) do not apply. The Virtual Account may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow accountholders to conduct split transactions where you use the Virtual Account as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Virtual Account to the Virtual Account. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Virtual Account, the Virtual Account is likely to be declined. If you use the Virtual Account at a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preautho- rized amount. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Virtual Account. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. Virtual Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may, with or without prior notice, limit the type, amount, or number of transactions you can make with the Virtual Account. You may not use the Virtual Account for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Virtual Account cannot be redeemed for cash. Each time you use the Virtual Account, you authorize us to reduce the available value of the Virtual Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Virtual Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Virtual Account, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. Non-Visa Debit Transactions Procedures are in effect that may impact you when you use the Virtual Account at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction provide the 16-digit Virtual Account number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction provide the 16-digit Virtual Account number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases. Returns and Refunds If you are entitled to a refund for any reason for goods or services obtained with the Virtual Account, you agree to accept credits to the Virtual Account for such refunds and agree to the refund policy of that merchant. The Issuer and Program Manager are not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Virtual Account. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided. Virtual Account Replacement If you need to replace the Virtual Account, please contact 0-000-000-0000 to request a replacement Virtual Account. You will be required to provide personal information which may include the 16-digit Virtual Account number, your full name, transaction history, copies of accepted identification, etc. For information on replacing an expired Virtual Account, see the section below labeled “Expiration.” Expiration The Virtual Account will expire no sooner than five (5) years from the date of purchase. The funds on the Virtual Account do not expire. You will not be able to use the Virtual Account after the expiration date; however, you may request a replacement Virtual Account at no cost to you by following the procedures in the paragraph labeled “Virtual Account Replacement.” If you need a replacement Virtual Account for any reason other than due to the Virtual Account’s expiration, you may request one at any time. Transactions Made In Foreign Currencies The Virtual Account may only be used within the fifty (50) U.S. states and the District of Columbia. Receipts You should get a receipt at the time you make a transaction using the Virtual Account. You agree to retain, verify, and reconcile your transactions and receipts. Virtual Account Balance /Transaction History You are responsible for keeping track of the available balance of the Virtual Account. Merchants generally will not be able to determine the available balance. It’s important to know the available balance before making any transaction. You may obtain information about the amount of money remaining in the Virtual Account by calling 0-000-000-0000. This information, along with a sixty (60) day history of Virtual Account transactions, is also avail- able online at XxxxxxxXXxxx.xxx. You also have a right to obtain a sixty (60) day written history of Virtual Account transactions by calling 0-000-000-0000 or by writing to XxxxxxxXXxxx.xxx. You will not automatically receive paper statements. Fee Schedule The Card has NO FEES AFTER PURCHASE (including dormancy, service or other fees). An Activation Fee per Card is paid by the purchaser at the time of purchase.

Preauthorized Transfers. The Virtual Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Virtual Account number to anyone. Using The Virtual Account/Features The maximum dollar value of the Virtual Account is the balance of the Virtual Account, which can be found by calling 0-000-000-0000 or by visiting XxxxxxxXXxxx.xxx. These are the maximum amounts that can be spent on the Virtual Account: Transaction Type Frequency and/or Dollar Limits Virtual Account Purchases (Signature) No limit to the number of times per calendar day, up to $500.00 per calendar day* Virtual Account Purchases (PIN) No limit to the number of times per calendar day, up to $500.00 per calendar day* *Limits are restricted to the dollar value that has been loaded to the Virtual Account. For Virtual Account balance information, please call 0-000-000-0000 or visit XxxxxxxXXxxx.xxx. You may use the Virtual Account for electronic commerce, mail order and/or telephone order purchases to pur- chase purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa® debit accounts and Debit Mastercard or PULSE® accounts are accepted as long as you do not exceed the available value of the Virtual Account and other restrictions (see examples described below) do not apply. The Virtual Account may not be used outside the U.S. and the District of Columbia, including Internet internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow accountholders to conduct split transactions where you use the Virtual Account as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Virtual Account to the Virtual Account. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping using the Virtual Account, the Virtual Account is likely to be declined. If you use the Virtual Account at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preautho- rized preauthorized amount. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Virtual Account. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. Virtual Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may, with or without prior notice, limit the type, amount, or number of transactions you can make with on the Virtual Account. You may not use the Virtual Account for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Virtual Account cannot be redeemed for cash. Each time you use the Virtual Account, you authorize us to reduce the available value of the Virtual Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Virtual Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Virtual Account, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. Non-Visa Debit Transactions Procedures are in effect that may impact you when you use the Virtual Account at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction provide the 16-digit Virtual Account number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction provide the 16-digit Virtual Account number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases. Returns and Refunds If you are entitled to a refund for any reason for goods or services obtained with the Virtual Account, you agree to accept credits to the Virtual Account for such refunds and agree to the refund policy of that merchant. The Issuer and Program Manager are not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Virtual Account. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided. Virtual Account Replacement If you need to replace the Virtual Account, please contact 0-000-000-0000 to request a replacement Virtual Account. You will be required to provide personal information which may include the 16-digit Virtual Account number, your full name, transaction history, copies of accepted identification, etc. For information on replacing an expired Virtual Account, see the section below labeled “Expiration.” Expiration The Virtual Account will expire no sooner than five (5) years from the date of purchase. The funds on the Virtual Account do not expire. You will not be able to use the Virtual Account after the expiration date; however, you may request a replacement Virtual Account at no cost to you by following the procedures in the paragraph labeled “Virtual Account Replacement.” If you need a replacement Virtual Account for any reason other than due to the Virtual Account’s expiration, you may request one at any time. Transactions Made In Foreign Currencies The time by following the procedures in the paragraph labeled “Virtual Account may only be used within the fifty (50) U.S. states and the District of Columbia. Receipts You should get a receipt at the time you make a transaction using the Virtual Account. You agree to retain, verify, and reconcile your transactions and receipts. Virtual Account Balance /Transaction History You are responsible for keeping track of the available balance of the Virtual Account. Merchants generally will not be able to determine the available balance. It’s important to know the available balance before making any transaction. You may obtain information about the amount of money remaining in the Virtual Account by calling 0-000-000-0000. This information, along with a sixty (60) day history of Virtual Account transactions, is also avail- able online at XxxxxxxXXxxx.xxx. You also have a right to obtain a sixty (60) day written history of Virtual Account transactions by calling 0-000-000-0000 or by writing to XxxxxxxXXxxx.xxx. You will not automatically receive paper statements. Fee Schedule The Card has NO FEES AFTER PURCHASE (including dormancy, service or other fees). An Activation Fee per Card is paid by the purchaser at the time of purchaseReplacement.”.

Preauthorized Transfers. The Virtual Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers (“Merchants”)providers. If presented for payment, preauthorized direct debits will be declined and payment to the Merchant merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Virtual Account number to anyone. Using The Virtual Account/Features The maximum dollar value of the Virtual Account is printed on the balance front side of the Virtual Account, which can be found by calling 0-000-000-0000 or by visiting XxxxxxxXXxxx.xxxAccount packaging. These are the maximum amounts that can be spent on the Virtual Account: Transaction Type Frequency and/or Dollar Limits Virtual Account Purchases (Signature) No limit to the number of times per day, up to $500.00 per day* Virtual Account Purchases (Signature or PIN) No limit to the number of times per day, up to $500.00 per day* *Limits * Maximum purchase limits are restricted to the dollar value that has been loaded to the Virtual Account. For Virtual Account balance information, please call 0-000-000-0000 or visit XxxxxxxXXxxx.xxx. You may use the Virtual Account for electronic commerce, mail order and/or telephone order purchases to pur- chase purchase or lease goods or services in the fifty (50) states of the United States, the District of Columbia, and the following territories or commonwealths: Federated States of Micronesia, Northern Mariana Islands, Guam, Puerto Rico, U.S. Virgin Islands, American Samoa, Xxxxx Island, Xxxxxxx Island, Xxxxxx Island, Kingman Reef, Midway Islands, Navassa Island, Palau Palmyra Atoll, and Wake Island (collectively, the “U.S.”) and the District of Columbia ), everywhere Visa® Visa debit accounts and PULSE® or PULSE accounts are accepted as long as you do not exceed the available value of the Virtual Account and other restrictions (see examples described below) do not applyAccount. The Virtual Account may not be used outside the U.S. and the District of ColumbiaU.S., including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow accountholders acountholders to conduct split transactions where you use the Virtual Account as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Virtual Account to the Virtual Account. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Virtual Account, the Virtual Account is likely to be declined. If you use the Virtual Account at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 or more. If the Virtual Account is declined, even though there are sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Virtual Account at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preautho- rized preauthorized amount. You acknowledge that purchases made with the Virtual Account are similar to those made with cash, and you do not have the right to stop payment or lodge a billing dispute on any purchase or payment transaction originated by use of the Virtual Account. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the 16-digit Virtual Account restrictions includenumber without presenting the Virtual Account (such as for a mail order, but are not limited to: restricted geographic telephone, or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other lossesInternet purchase), the legal effect will be the same as if you had used the Virtual Account itself. For security reasons, we may, with or without prior notice, may limit the type, amount, amount or number of transactions you can make with on the Virtual Account. You may not use the Virtual Account for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Virtual Account cannot be redeemed for cash. You may not use the Virtual Account for any illegal transaction. Each time you use the Virtual Account, you authorize us to reduce the available value of the Virtual Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Virtual Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Virtual Account, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. Non-Visa Debit Transactions Procedures New procedures are in effect that may impact you when you use the Virtual Account at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Virtual Account through a POS terminal, sign the receipt, or provide the 16-digit Virtual Account number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Virtual Account number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases. Returns and Refunds If you are entitled to a refund for any reason for goods or services obtained with the Virtual Account, you agree to accept credits to the Virtual Account for such refunds and agree to the refund policy of that merchant. The Issuer and Program Manager are not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Virtual Account. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided. Virtual Account Replacement If you need to replace the Virtual AccountAccount for any reason, please contact call 0-000-000-0000 to request a replacement Virtual Account. You will be required to provide personal information which may include the 16-digit Virtual Account number, your full name, transaction history, copies of accepted identification, etc. For information on replacing an expired Virtual Account, see the section below labeled “Expiration”.” Expiration The Virtual Account will expire no sooner than five (5) years from the date of purchase. The funds on the Virtual Account do not expire. You will not be able to use the Virtual Account after the expiration date; however, you may request a replacement Virtual Account at no cost to you by following the procedures in the paragraph labeled “Virtual Account Replacement.” If you need a replacement Virtual Account for any reason other than due to the Virtual Account’s expiration, you may request one at any time. Transactions Made In Foreign Currencies The Virtual Account may only be used within the fifty (50) U.S. states and the District of Columbia. Receipts You should get a receipt at the time you make a transaction using the Virtual Account. You agree to retain, verify, and reconcile your transactions and receipts. Virtual Account Balance /Transaction History You are responsible for keeping track of the available balance of the Virtual Account. Merchants generally will not be able to determine the available balance. It’s important to know the available balance before making any transaction. You may obtain information about the amount of money remaining in the Virtual Account by calling 0-000-000-0000. This information, along with a sixty (60) day history of Virtual Account transactions, is also avail- able online at XxxxxxxXXxxx.xxx. You also have a right to obtain a sixty (60) day written history of Virtual Account transactions by calling 0-000-000-0000 or by writing to XxxxxxxXXxxx.xxx. You will not automatically receive paper statements. Fee Schedule The Card has NO FEES AFTER PURCHASE (including dormancy, service or other fees). An Activation Fee per Card is paid by the purchaser at the time of purchase.

Preauthorized Transfers. The Virtual Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers (“Merchants”)providers. If presented for payment, preauthorized direct debits will be declined and payment to the Merchant merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Virtual Account number to anyone. Using The Virtual Account/Features The maximum dollar value of the Virtual Account is the balance of the Virtual Account, which can be found by calling 0-000-000-0000 or by visiting XxxxxxxXXxxx.xxxrestricted to $500.00. These are the maximum amounts that can be spent on the Virtual Account: Transaction Type Frequency and/or Dollar Limits Virtual Account Purchases (Signature) No limit to the number of times per day, up to $500.00 per day* Virtual Account Purchases (PIN) No limit to the number of times per daytransaction, up to $500.00 per day* *Limits are restricted to the dollar value that has been loaded to the Virtual Account. For Virtual Account balance information, please call 0-000-000-0000 or visit XxxxxxxXXxxx.xxx. Purchases (PIN) You may use the Virtual Account for electronic commerce, mail order and/or telephone order purchases to pur- chase purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia online, by mail, or telephone everywhere Visa® Visa debit accounts and PULSE® accounts cards are accepted as long as you do not exceed the available value of the Virtual Account and other restrictions (see examples described below) do not applyAccount. The Virtual Account may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow accountholders Virtual Account holders to conduct split transactions where you use the Virtual Account as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Virtual Account to the Virtual Account. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Virtual Account, the Virtual Account is likely to be declined. If When you use the Virtual Account at a hotelto pay for goods or services, for a certain merchants (such as car rental purchasecompanies, or for similar purchasesrestaurants, and hotels) may ask us to authorize the transaction in advance and may estimate its final value up to twenty (20%) more to cover any tip or gratuity that you may add. When we preauthorize a transaction, we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on the Virtual Account funds for the amount indicated by the merchant (which may be preauthorized more than the final settled transaction amount). We also may add an amount for the purchase amount plus up to 20% or more certain merchants to ensure there are that sufficient funds will be available to cover tips the final transaction. Certain merchants that authorize high dollar amounts, e.g., rental car companies and hotels, may cause an “authorization” or incidental expenses incurred. A preauthorization will place a “hold” on those the available balance for up to thirty (30) days. Until the transaction finally settles or we determine it is unlikely to be processed, the funds until subject to the merchant sends us hold will not be available to you for other purposes. We will only charge the Virtual Account for the correct amount of the final payment amount of your purchase. Once the final payment amount is receivedtransaction, the preauthorized amount on hold however, and will be removed. It may take up to seven (7) days for release the hold to be removed. During on any excess amount when the hold period, you will not have access to the preautho- rized amounttransaction finally settles. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Virtual Account. You may not make preauthorized regular payments from the Virtual Account. If you authorize a transaction and then fail to make the a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. Virtual Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may, with or without prior notice, may limit the type, amount, amount or number of transactions you can make with on the Virtual Account. You may not use the Virtual Account for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Virtual Account cannot be redeemed for cash. You may not use the Virtual Account for online gambling or any illegal transaction. Each time you use the Virtual Account, you authorize us to reduce the available value of the Virtual Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Virtual Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Virtual Account, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. Non-Visa Debit Transactions Procedures New procedures are in effect that may impact you when you use the Virtual Account at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Virtual Account through a POS terminal, sign the receipt, or provide the 16-digit Virtual Account number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Virtual Account number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases. Returns and Refunds If you are entitled to a refund for any reason for goods or services obtained with the Virtual Account, you agree to accept credits to the Virtual Account for such refunds and agree to the refund policy of that merchant. The Issuer and Program Manager are not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Virtual Account. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided. Virtual Account Replacement If you need to replace the Virtual Account, please contact 0-000-000-0000 to request a replacement Virtual Account. You will be required to provide personal information which may include the 16-digit Virtual Account number, your full name, transaction history, copies of accepted identification, etc. For information on replacing an expired Virtual Account, see the section below labeled “Expiration.” Expiration The Virtual Account will expire no sooner than five (5) years from the date of purchase. The funds on the Virtual Account do not expire. You will not be able to use the Virtual Account after the expiration date; however, you may request a replacement Virtual Account at no cost to you by following the procedures in the paragraph labeled “Virtual Account Replacement.” If you need a replacement Virtual Account for any reason other than due to the Virtual Account’s expiration, you may request one at any time. Transactions Made In Foreign Currencies The Virtual Account may only be used within the fifty (50) U.S. states and the District of Columbia. Receipts You should get a receipt at the time you make a transaction using the Virtual Account. You agree to retain, verify, and reconcile your transactions and receipts. Virtual Account Balance /Transaction History You are responsible for keeping track of the available balance of the Virtual Account. Merchants generally will not be able to determine the available balance. It’s important to know the available balance before making any transaction. You may obtain information about the amount of money remaining in the Virtual Account by calling 0-000-000-0000. This information, along with a sixty (60) day history of Virtual Account transactions, is also avail- able online at XxxxxxxXXxxx.xxx. You also have a right to obtain a sixty (60) day written history of Virtual Account transactions by calling 0-000-000-0000 or by writing to XxxxxxxXXxxx.xxx. You will not automatically receive paper statements. Fee Schedule The Card has NO FEES AFTER PURCHASE (including dormancy, service or other fees). An Activation Fee per Card is paid by the purchaser at the time of purchase.

Preauthorized Transfers. The Virtual Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers (“Merchants”)providers. If presented for payment, preauthorized direct debits will be declined and payment to the Merchant merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Virtual Account number to anyone. Using The Virtual Account/Features The maximum dollar value of the Virtual Account is the balance of the Virtual Account, which can be found by calling 0-000-000-0000 or by visiting XxxxxxxXXxxx.xxx. /Features These are the maximum amounts that can be spent on the Virtual Account: Transaction Type Frequency and/or Dollar Limits Virtual Account Purchases (SignatureSignature or PIN) No limit to You may use the Virtual Account for purchases in any number of times per day, transactions up to $500.00 per daythe balance of the Virtual Account* Virtual Account Purchases (PIN) No limit to the number of times per day, up to $500.00 per day* *Limits Maximum transaction limits are restricted to the dollar value that has been loaded to the Virtual Account. For Virtual Account balance information, please call 0-000-000-0000 or visit XxxxxxxXXxxx.xxxXxxxxxxXXxxxxx.xxx. You may use the Virtual Account for electronic commerce, mail order and/or telephone order purchases to pur- chase purchase or lease goods or services in the fifty (50) states of the United States), the District of Columbia, and the following territories or commonwealths: Federated States of Micronesia, Northern Mariana Islands, Guam, Puerto Rico, U.S. Virgin Islands, American Samoa, Xxxxx Island, Xxxxxxx Island, Xxxxxx Island, Kingman Reef, Midway Islands, Navassa Island, Palau Palmyra Atoll, and Wake Island (collectively, the “U.S.”) and the District of Columbia ), everywhere Visa® Visa debit accounts and PULSE® accounts cards or PULSE cards are accepted as long as you do not exceed the available value of the Virtual Account and other restrictions (see examples described below) do not applyAccount. The Virtual Account may not be used outside the U.S. and the District of ColumbiaU.S., including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow accountholders cardholders to conduct split transactions where you use the Virtual Account as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Virtual Account to the Virtual Account. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Virtual Account, the Virtual Account is likely to be declined. If you use the Virtual Account at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 or more. If the Virtual Account is declined, even though there are sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Virtual Account at a restaurant, a hotel, for a car rental purchase, with an airlines, or a cruise line, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preautho- rized preauthorized amount. You acknowledge that purchases made with the Virtual Account are similar to those made with cash, and you do not have the right to stop payment or lodge a billing dispute on any purchase or payment transaction originated by use of the Virtual AccountAccount . If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. Using the 16-digit Virtual Account restrictions includenumber without presenting a physical Virtual Account (such as for a mail order, but are not limited to: restricted geographic telephone, or merchant locations where there is Internet purchase) has the same legal effect if you had used a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other lossesphysical card. For security reasons, we may, with or without prior notice, may limit the type, amount, amount or number of transactions you can make with the Virtual Account. You may not use on the Virtual Account for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any and/or limit the acceptance of the restrictions or add new ones Virtual Account at any timecertain merchants. The Virtual Account cannot be redeemed for cash. You may not use the Virtual Account for any illegal transaction. Each time you use the Virtual Account, you authorize us to reduce the available value of the Virtual Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Virtual Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Virtual Account, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. Non-Visa Debit Transactions Procedures New procedures are in effect that may impact you when you use the Virtual Account at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Virtual Account through a POS terminal, sign the receipt, or provide the 16-digit Virtual Account number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Virtual Account number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases. Returns and Refunds If you are entitled to a refund for any reason for goods or services obtained with the Virtual AccountAccount , you agree to accept credits to the Virtual Account for such refunds and agree to the refund policy of that merchant. The Issuer and Program Manager are not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Virtual Account. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided. Virtual Account Replacement If you need to replace the Virtual AccountAccount for any reason, please contact 0-000-000-0000 to request a replacement Virtual AccountAccount number. You will be required to provide personal information which may include the 16-digit Virtual Account number, your full name, transaction history, copies of accepted identification, etc. For information on replacing an expired A fee will apply to obtain a replacement Virtual Account, Account for any reason – see the section below labeled entitled “Expiration.” Fee Schedule”. Expiration The Virtual Account will expire no sooner than five six (56) years months from the date of purchaseit was issued. The funds on expire when the Virtual Account do not expireexpires. You will not be able to use the Virtual Account after the expiration date; however, you may request a replacement . The Virtual Account at no cost to you by following may not be replaced after the procedures in the paragraph labeled “Virtual Account Replacement.” expiration date. If you need a replacement Virtual Account for any reason number other than due to the Virtual Account’s expiration, you may request one at any time. Transactions Made In Foreign Currencies The Virtual Account may only be used within the fifty (50) U.S. states and the District of Columbia. Receipts You should get a receipt at the time you make a transaction using the Virtual Account. You agree to retain, verify, and reconcile your transactions and receipts. Virtual Account Balance /Transaction Balance/Transaction History You are responsible for keeping track of the available balance of the Virtual Account. Merchants generally will not be able to determine the available balance. It’s important to know the available balance before making any transaction. You may obtain information about the amount of money remaining in the Virtual Account by calling 0-000-000-0000. This information, along with a at sixty (60) day history of the Virtual Account transactions, is also avail- able available online at XxxxxxxXXxxx.xxxVanillaEReward. You com. It may also have a right be possible to obtain a sixty (60) day written history of Virtual Account transactions by calling 0-000-000-0000 or by writing to XxxxxxxXXxxx.xxxXxxxxx Xxxxxxx eReward Visa Virtual Account Customer Service, P.O. Box 826, Xxxxxxx, Georgia 31808. You will not automatically receive paper statements. Fee Schedule The Card has NO FEES AFTER PURCHASE All fee amounts will be withdrawn from the Virtual Account and will be assessed as long as there is a remaining balance on the Virtual Account, except where prohibited by law. Any time the remaining Virtual Account balance is less than the fee amount being assessed, the balance of the Virtual Account will be applied to the fee amount resulting in a zero balance on the Virtual Account. $5.95 (including dormancyper Virtual Account) to reissue or replace the Virtual Account for any reason, service except where prohibited by applicable law. Re-issuance Fee Confidentiality We may disclose information to third parties about the Virtual Account or other fees). An Activation Fee per Card is paid by the purchaser at the time of purchase.transactions you make:

Preauthorized Transfers. The Virtual Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Virtual Account number to anyone. Using The Virtual Account/Features The maximum dollar value of the Virtual Account is the balance of the Virtual Account, which can be found by calling 0-000-000-0000 or by visiting XxxxxxxXXxxx.xxxrestricted to $1,000.00. These are the maximum amounts that can be spent on the Virtual Account: Transaction Type Frequency and/or Dollar Limits Virtual Account Purchases (Signature) No limit to the number of times per day, up to $500.00 1,000.00 per day* Virtual Account Purchases (PIN) No limit to the number of times per daytransaction, up to $500.00 1,000.00 per day* *Limits are restricted to the dollar value that has been loaded to the Virtual Account. For Virtual Account balance information, please call 0-000-000-0000 or visit XxxxxxxXXxxx.xxx. You may use the Virtual Account for electronic commerce, mail order and/or telephone order purchases transactions to pur- chase purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa® Visa debit accounts and PULSE® accounts cards are accepted as long as you do not exceed the available value of the Virtual Account and other restrictions (see examples described below) do not apply. The Virtual Account may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow accountholders Virtual Accountholders to conduct split transactions where you use the Virtual Account as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Virtual Account Account to the Virtual Account. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping accessing the Virtual Account, the Virtual Account is likely to be declined. If When you use the Virtual Account at a hotelto pay for goods or services, for a certain merchants (such as car rental purchasecompanies, or for similar purchasesrestaurants, and hotels) may ask us to authorize the transaction in advance and may estimate its final value up to twenty (20%) more to cover any tip or gratuity that you may add. When we preauthorize a transaction, we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on the Virtual Account funds for the amount indicated by the merchant (which may be preauthorized more than the final settled transaction amount). We also may add an amount for the purchase amount plus up to 20% or more certain merchants to ensure there are that sufficient funds will be available to cover tips the final transaction. Certain merchants that authorize high dollar amounts, e.g ., rental car companies and hotels, may cause an “authorization” or incidental expenses incurred. A preauthorization will place a “hold” on those the available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preautho- rized amount. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Virtual Account. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds balance for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. Virtual Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may, with or without prior notice, limit the type, amount, or number of transactions you can make with the Virtual Account. You may not use the Virtual Account for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Virtual Account cannot be redeemed for cash. Each time you use the Virtual Account, you authorize us to reduce the available value of the Virtual Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Virtual Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Virtual Account, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. Non-Visa Debit Transactions Procedures are in effect that may impact you when you use the Virtual Account at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction provide the 16-digit Virtual Account number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction provide the 16-digit Virtual Account number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases. Returns and Refunds If you are entitled to a refund for any reason for goods or services obtained with the Virtual Account, you agree to accept credits to the Virtual Account for such refunds and agree to the refund policy of that merchant. The Issuer and Program Manager are not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Virtual Account. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided. Virtual Account Replacement If you need to replace the Virtual Account, please contact 0-000-000-0000 to request a replacement Virtual Account. You will be required to provide personal information which may include the 16-digit Virtual Account number, your full name, transaction history, copies of accepted identification, etc. For information on replacing an expired Virtual Account, see the section below labeled “Expiration.” Expiration The Virtual Account will expire no sooner than five (5) years from the date of purchase. The funds on the Virtual Account do not expire. You will not be able to use the Virtual Account after the expiration date; however, you may request a replacement Virtual Account at no cost to you by following the procedures in the paragraph labeled “Virtual Account Replacement.” If you need a replacement Virtual Account for any reason other than due to the Virtual Account’s expiration, you may request one at any time. Transactions Made In Foreign Currencies The Virtual Account may only be used within the fifty (50) U.S. states and the District of Columbia. Receipts You should get a receipt at the time you make a transaction using the Virtual Account. You agree to retain, verify, and reconcile your transactions and receipts. Virtual Account Balance /Transaction History You are responsible for keeping track of the available balance of the Virtual Account. Merchants generally will not be able to determine the available balance. It’s important to know the available balance before making any transaction. You may obtain information about the amount of money remaining in the Virtual Account by calling 0-000-000-0000. This information, along with a sixty (60) day history of Virtual Account transactions, is also avail- able online at XxxxxxxXXxxx.xxx. You also have a right to obtain a sixty (60) day written history of Virtual Account transactions by calling 0-000-000-0000 or by writing to XxxxxxxXXxxx.xxx. You will not automatically receive paper statements. Fee Schedule The Card has NO FEES AFTER PURCHASE (including dormancy, service or other fees). An Activation Fee per Card is paid by the purchaser at the time of purchase.thirty

Preauthorized Transfers. The Virtual Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Virtual Account number to anyone. Using The Virtual Account/Features The maximum dollar value of the Virtual Account is the balance of the Virtual Account, which can be found by calling 0-000-000-0000 or by visiting XxxxxxxXXxxx.xxx. These are the maximum amounts that can be spent on the Virtual Account: Transaction Type Frequency and/or Dollar Limits Virtual Account Purchases (Signature) No limit to the number of times per calendar day, up to $500.00 to$500.00 per calendar day* Virtual Account Purchases (PIN) No limit to the number of times per calendar day, up to $500.00 to$500.00 per calendar day* *Limits are restricted to the dollar value that has been loaded to the Virtual Account. For Virtual Account balance information, please call 0-000-000-0000 or visit XxxxxxxXXxxx.xxx. You may use the Virtual Account for electronic commerce, mail order and/or telephone order purchases to pur- chase purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa® debit accounts and Debit Mastercard or PULSE® accounts are accepted as long as you do not exceed the available value of the Virtual Account and other restrictions (see examples described below) do not apply. The Virtual Account may not be used outside the U.S. and the District of Columbia, including Internet internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow accountholders to conduct split transactions where you use the Virtual Account as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Virtual Account to the Virtual Account. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping using the Virtual Account, the Virtual Account is likely to be declined. If you use the Virtual Account at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preautho- rized preauthorized amount. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Virtual Account. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. Virtual Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may, with or without prior notice, limit the type, amount, or number of transactions you can make with on the Virtual Account. You may not use the Virtual Account for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Virtual Account cannot be redeemed for cash. Each time you use the Virtual Account, you authorize us to reduce the available value of the Virtual Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Virtual Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Virtual Account, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. Non-Visa Debit Transactions Procedures are in effect that may impact you when you use the Virtual Account at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction provide the 16-digit Virtual Account number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction provide the 16-digit Virtual Account number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases. Returns and Refunds If you are entitled to a refund for any reason for goods or services obtained with the Virtual Account, you agree to accept credits to the Virtual Account for such refunds and agree to the refund policy of that merchant. The Issuer and Program Manager are not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Virtual Account. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided. Virtual Account Replacement If you need to replace the Virtual Account, please contact 0-000-000-0000 to request a replacement Virtual Account. You will be required to provide personal information which may include the 16-digit Virtual Account number, your full name, transaction history, copies of accepted identification, etc. For information on replacing an expired Virtual Account, see the section below labeled “Expiration.” Expiration The Virtual Account will expire no sooner than five (5) years from the date of purchase. The funds on the Virtual Account do not expire. You will not be able to use the Virtual Account after the expiration date; however, you may request a replacement Virtual Account at no cost to you by following the procedures in the paragraph labeled “Virtual Account Replacement.” If you need a replacement Virtual Account for any reason other than due to the Virtual Account’s expiration, you may request one at any time. Transactions Made In Foreign Currencies The time by following the procedures in the paragraph labeled “Virtual Account may only be used within the fifty (50) U.S. states and the District of Columbia. Receipts You should get a receipt at the time you make a transaction using the Virtual Account. You agree to retain, verify, and reconcile your transactions and receipts. Virtual Account Balance /Transaction History You are responsible for keeping track of the available balance of the Virtual Account. Merchants generally will not be able to determine the available balance. It’s important to know the available balance before making any transaction. You may obtain information about the amount of money remaining in the Virtual Account by calling 0-000-000-0000. This information, along with a sixty (60) day history of Virtual Account transactions, is also avail- able online at XxxxxxxXXxxx.xxx. You also have a right to obtain a sixty (60) day written history of Virtual Account transactions by calling 0-000-000-0000 or by writing to XxxxxxxXXxxx.xxx. You will not automatically receive paper statements. Fee Schedule The Card has NO FEES AFTER PURCHASE (including dormancy, service or other fees). An Activation Fee per Card is paid by the purchaser at the time of purchaseReplacement.”.

Preauthorized Transfers. The Virtual Account number cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Virtual Account number to anyone. Using The Virtual Account/Features The maximum dollar value of the Virtual Account is the balance of the Virtual Account, which can be found by calling 0-000-000-0000 or by visiting XxxxxxxXXxxx.xxx. These are the maximum amounts that can be spent on the Virtual Account: Transaction Type Frequency and/or Dollar Limits Virtual Account Purchases (SignatureSignature or PIN) No limit to the number of 5 times per day, $5,000.00 per transaction, up to $500.00 5,000.00 per day* Virtual day Transfer to an External Account Purchases (PIN) No limit to the number of Unlimited times per day, $5,000.00 per transaction, up to $500.00 5,000.00 per day* *Limits are restricted to the dollar value that has been loaded to the Virtual Account. For Virtual Account balance information, please call 0-000-000-0000 or visit XxxxxxxXXxxx.xxx. calendar day You may use the Virtual Account for electronic commerce, mail order and/or telephone order purchases to pur- chase purchase or lease goods or services in everywhere Mastercard debit, Maestro, or STAR cards are accepted within the fifty (50) U.S. states of the United States (“U.S.”) and the District of Columbia everywhere Visa® debit accounts and PULSE® accounts are accepted as long as you do not exceed the available value of the Virtual Account and other restrictions (see examples described below) do not apply. The Virtual Account may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of ColumbiaAccount. Some merchants do not allow accountholders to conduct split transactions where you use the Virtual Account as number to initiate a partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Virtual Account to the Virtual Account. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping using the Virtual Account, the Virtual Account transaction is likely to be declined. If When you use the Virtual Account at a hotelto pay for goods or services, for a certain merchants (such as car rental purchasecompanies, or for similar purchasesrestaurants, and hotels) may ask us to authorize the transaction in advance and may estimate its final value up to twenty (20%) more to cover any tip or gratuity that you may add. When we preauthorize a transaction, we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on the Virtual Account funds for the amount indicated by the merchant (which may be preauthorized more than the final settled transaction amount). We also may add an amount for the purchase amount plus up to 20% or more certain merchants to ensure there are that sufficient funds will be available to cover tips the final transaction. Certain merchants that authorize high dollar amounts, e.g., rental car companies and hotels, may cause an “authorization” or incidental expenses incurred. A preauthorization will place a “hold” on those the available balance for up to thirty (30) days. Until the transaction finally settles, or we determine it is unlikely to be processed, the funds until subject to the merchant sends us hold will not be available to you for other purposes. We will only charge the Virtual Account for the correct amount of the final payment amount of your purchase. Once the final payment amount is receivedtransaction, the preauthorized amount on hold however, and will be removed. It may take up to seven (7) days for release the hold to be removed. During on any excess amount when the hold period, you will not have access to the preautho- rized amounttransaction finally settles. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Virtual Account. You may not make preauthorized regular payments from the Virtual Account. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. Virtual Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may, with or without prior notice, may limit the type, amount, amount or number of transactions you can make with on the Virtual Account. The Virtual Account cannot be redeemed for cash. You may not use the Virtual Account for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Virtual Account cannot be redeemed for cash. Each time you use the Virtual Account, you authorize us to reduce the available value of the Virtual Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Virtual Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Virtual Account, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. Non-Visa Debit Transactions Procedures are in effect that may impact you when you use the Virtual Account at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction provide the 16-digit Virtual Account number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction provide the 16-digit Virtual Account number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases. Returns and Refunds If you are entitled to a refund for any reason for goods or services obtained with the Virtual Account, you agree to accept credits to the Virtual Account for such refunds and agree to the refund policy of that merchant. The Issuer and Program Manager are not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Virtual Account. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided. Virtual Account Replacement If you need to replace the Virtual Account, please contact 0-000-000-0000 to request a replacement Virtual Account. You will be required to provide personal information which may include the 16-digit Virtual Account number, your full name, transaction history, copies of accepted identification, etc. For information on replacing an expired Virtual Account, see the section below labeled “Expiration.” Expiration The Virtual Account will expire no sooner than five (5) years from the date of purchase. The funds on the Virtual Account do not expire. You will not be able to use the Virtual Account after the expiration date; however, you may request a replacement Virtual Account at no cost to you by following the procedures in the paragraph labeled “Virtual Account Replacement.” If you need a replacement Virtual Account for any reason other than due to the Virtual Account’s expiration, you may request one at any time. Transactions Made In Foreign Currencies The Virtual Account may only be used within the fifty (50) U.S. states and the District of Columbia. Receipts You should get a receipt at the time you make a transaction using the Virtual Account. You agree to retain, verify, and reconcile your transactions and receipts. Virtual Account Balance /Transaction History You are responsible for keeping track of the available balance of the Virtual Account. Merchants generally will not be able to determine the available balance. It’s important to know the available balance before making any transaction. You may obtain information about the amount of money remaining in the Virtual Account by calling 0-000-000-0000. This information, along with a sixty (60) day history of Virtual Account transactions, is also avail- able online at XxxxxxxXXxxx.xxx. You also have a right to obtain a sixty (60) day written history of Virtual Account transactions by calling 0-000-000-0000 or by writing to XxxxxxxXXxxx.xxx. You will not automatically receive paper statements. Fee Schedule The Card has NO FEES AFTER PURCHASE (including dormancy, service or other fees). An Activation Fee per Card is paid by the purchaser at the time of purchase.

Preauthorized Transfers. The Virtual Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers (“Merchants”)providers. If presented for payment, preauthorized direct debits will be declined and payment to the Merchant merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Virtual Account number to anyone. Using The Virtual Account/Features The maximum dollar value of the Virtual Account is the balance of the Virtual Account, which can be found by calling 0-000-000-0000 or by visiting XxxxxxxXXxxx.xxx. /Features These are the maximum amounts that can be spent on the Virtual Account: Transaction Type Frequency and/or Dollar Limits Virtual Account Purchases (SignatureSignature or PIN) No limit to You may use the Virtual Account for purchases in any number of times per day, transactions up to $500.00 per daythe balance of the Virtual Account* Virtual Account Purchases (PIN) No limit to the number of times per day, up to $500.00 per day* *Limits Maximum transaction limits are restricted to the dollar value that has been loaded to the Virtual Account. For Virtual Account balance information, please call 0-000-000-0000 or visit XxxxxxxXXxxx.xxxXxxxxxxXXxxxxx.xxx. You may use the Virtual Account for electronic commerce, mail order and/or telephone order purchases to pur- chase purchase or lease goods or services in the fifty (50) states of the United States), the District of Columbia, and the following territories or commonwealths: Federated States of Micronesia, Northern Mariana Islands, Guam, Puerto Rico, U.S. Virgin Islands, American Samoa, Xxxxx Island, Xxxxxxx Island, Xxxxxx Island, Kingman Reef, Midway Islands, Navassa Island, Palau Palmyra Atoll, and Wake Island (collectively, the “U.S.”) and the District of Columbia ), everywhere Visa® Visa debit accounts and PULSE® accounts cards or PULSE cards are accepted as long as you do not exceed the available value of the Virtual Account and other restrictions (see examples described below) do not applyAccount. The Virtual Account may not be used outside the U.S. and the District of ColumbiaU.S., including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow accountholders cardholders to conduct split transactions where you use the Virtual Account as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Virtual Account to the Virtual Account. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Virtual Account, the Virtual Account is likely to be declined. If you use the Virtual Account at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00 or more. If the Virtual Account is declined, even though there are sufficient funds available, you should pay for your purchase inside with the cashier.If you use the Virtual Account at a restaurant, a hotel, ,for a car rental purchase,with an airlines, or a cruise line, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preautho- rized preauthorized amount. You acknowledge that purchases made with the VirtualAccount are similar to those made with cash, and you do not have the right to stop payment or lodge a billing dispute on any purchase or payment transaction originated by use of the Virtual AccountAccount . If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. .All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. Using the 16-digit Virtual Account restrictions includenumber without presenting a physical Virtual Account (such as for a mail order, but are not limited to: restricted geographic telephone, or merchant locations where there is Internet purchase) has the same legal effect if you had used a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other lossesphysical card. For security reasons, we may, with or without prior notice, may limit the type, amount, amount or number of transactions you can make with the Virtual Account. You may not use on the Virtual Account for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any and/or limit the acceptance of the restrictions or add new ones Virtual Account at any timecertain merchants. The Virtual Account cannot be redeemed for cash.Youmay not use the Virtual Account for any illegal transaction. Each time you use the Virtual Account, you authorize us to reduce the available value of the Virtual Account by the amount of the transaction and any applicable fees. You are .Youare not allowed to exceed the available amount in the Virtual Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Virtual Account, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. Non-Visa Debit Transactions Procedures New procedures are in effect that may impact you when you use the Virtual Account at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement thisAgreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Virtual Account through a POS terminal, sign the receipt, or provide the 16-digit Virtual Account number for a mail order, telephone, or Internet purchase. To xxxxxxxx.Xx initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Virtual Account number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases. Returns and Refunds If you are entitled to a refund for any reason for goods or services obtained with the Virtual Account, you agree to accept credits to the Virtual Account for such refunds and agree to the refund policy of that merchant. The Issuer and Program Manager are not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Virtual Account. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided. Virtual Account Replacement If you need to replace the Virtual Account, please contact 0-000-000-0000 to request a replacement Virtual Account. You will be required to provide personal information which may include the 16-digit Virtual Account number, your full name, transaction history, copies of accepted identification, etc. For information on replacing an expired Virtual Account, see the section below labeled “Expiration.” Expiration The Virtual Account will expire no sooner than five (5) years from the date of purchase. The funds on the Virtual Account do not expire. You will not be able to use the Virtual Account after the expiration date; however, you may request a replacement Virtual Account at no cost to you by following the procedures in the paragraph labeled “Virtual Account Replacement.” If you need a replacement Virtual Account for any reason other than due to the Virtual Account’s expiration, you may request one at any time. Transactions Made In Foreign Currencies The Virtual Account may only be used within the fifty (50) U.S. states and the District of Columbia. Receipts You should get a receipt at the time you make a transaction using the Virtual Account. You agree to retain, verify, and reconcile your transactions and receipts. Virtual Account Balance /Transaction History You are responsible for keeping track of the available balance of the Virtual Account. Merchants generally will not be able to determine the available balance. It’s important to know the available balance before making any transaction. You may obtain information about the amount of money remaining in the Virtual Account by calling 0-000-000-0000. This information, along with a sixty (60) day history of Virtual Account transactions, is also avail- able online at XxxxxxxXXxxx.xxx. You also have a right to obtain a sixty (60) day written history of Virtual Account transactions by calling 0-000-000-0000 or by writing to XxxxxxxXXxxx.xxx. You will not automatically receive paper statements. Fee Schedule The Card has NO FEES AFTER PURCHASE (including dormancy, service or other fees). An Activation Fee per Card is paid by the purchaser at the time of purchase.

Preauthorized Transfers. The Virtual Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers (“Merchants”). If presented for payment, preauthorized direct debits will be declined and payment to the Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Virtual Account number to anyone. Using The Virtual Account/Features The maximum dollar value of the Virtual Account is the balance of the Virtual Account, which can be found by calling 01-000-844- 000-0000 or by visiting XxxxxxxXXxxx.xxx. These are the maximum amounts that can be spent on the Virtual Account: Transaction Type Frequency and/or Dollar Limits Virtual Account Purchases (Signature) No limit to the number of times per day, up to $500.00 per day* Virtual Account Purchases (PIN) No limit to the number of times per day, up to $500.00 per day* *Limits are restricted to the dollar value that has been loaded to the Virtual Account. For Virtual Account balance information, please call 0-000-000-0000 or visit XxxxxxxXXxxx.xxx. You may use the Virtual Account for electronic commerce, mail order and/or telephone order purchases to pur- chase purchase or lease goods or services in the fifty (50) states of the United States (“U.S.”) and the District of Columbia everywhere Visa® Visa debit accounts and PULSE® PULSE accounts are accepted as long as you do not exceed the available value of the Virtual Account and other restrictions (see examples described below) do not apply. The Virtual Account may not be used outside the U.S. and the District of Columbia, including Internet and mail or telephone order merchants outside the U.S. and the District of Columbia. Some merchants do not allow accountholders to conduct split transactions where you use the Virtual Account as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Virtual Account to the Virtual Account. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Virtual Account, the Virtual Account is likely to be declined. If you use the Virtual Account at a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization preauthoriza- tion will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preautho- rized preauthorized amount. You do not have the right to stop payment on any purchase or payment transaction originated by use of the Virtual Account. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. Virtual Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may, with or without prior notice, limit the type, amount, or number of transactions you can make with the Virtual Account. You may not use the Virtual Account for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Virtual Account cannot be redeemed for cash. Each time you use the Virtual Account, you authorize us to reduce the available value of the Virtual Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Virtual Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Virtual Account, you shall remain fully liable to us for the amount of the transaction and any fees, if applicable. Non-Visa Debit Transactions Procedures are in effect that may impact you when you use the Virtual Account at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a PULSE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the PULSE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the PULSE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction provide the 16-digit Virtual Account number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction provide the 16-digit Virtual Account number after clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases. Returns and Refunds If you are entitled to a refund for any reason for goods or services obtained with the Virtual Account, you agree to accept credits to the Virtual Account for such refunds and agree to the refund policy of that merchant. The Issuer and Program Manager are not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Virtual Account. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided. Virtual Account Replacement If you need to replace the Virtual Account, please contact 0-000-000-0000 to request a replacement Virtual Account. You will be required to provide personal information which may include the 16-digit Virtual Account number, your full name, transaction history, copies of accepted identification, etc. For information on replacing an expired Virtual Account, see the section below labeled “Expiration.” Expiration The Virtual Account will expire no sooner than five (5) years from the date of purchase. The funds on the Virtual Account do not expire. You will not be able to use the Virtual Account after the expiration date; however, you may request a replacement replace- ment Virtual Account at no cost to you by following the procedures in the paragraph labeled “Virtual Account Replacement.” If you need a replacement Virtual Account for any reason other than due to the Virtual Account’s expiration, you may request one at any time. Transactions Made In Foreign Currencies The Virtual Account may only be used within the fifty (50) U.S. states and the District of Columbia. Receipts You should get a receipt at the time you make a transaction using the Virtual Account. You agree to retain, verify, and reconcile your transactions and receipts. Virtual Account Balance /Transaction History You are responsible for keeping track of the available balance of the Virtual Account. Merchants generally will not be able to determine the available balance. It’s important to know the available balance before making any transaction. You may obtain information about the amount of money remaining in the Virtual Account by calling 0-000-000-0000. This information, along with a sixty (60) day history of Virtual Account transactions, is also avail- able available online at XxxxxxxXXxxx.xxx. You also have a right to obtain a sixty (60) day written history of Virtual Account transactions by calling 0-000-000-0000 or by writing to XxxxxxxXXxxx.xxx. You will not automatically receive paper statements. Fee Schedule The Card has NO FEES AFTER PURCHASE (including dormancy, service or other fees). An Activation Fee per Card is paid by the purchaser at the time of purchase.