Common use of The Card Clause in Contracts

The Card. You acknowledge and agree that the Card is a general purpose multicurrency reloadable prepaid card. The Card is neither a gift card (nor intended to be used for gifting purposes), a credit card, nor a deposit account debit card. The monetary value accessible through use of the Card is limited to the funds that you have previously loaded to the Card or that have been loaded to the Card on your behalf by CAPES or CNPQ. The Card is not and does not access an individual bank “account” for purposes of certain laws and regulations (including, but not limited to, Regulation E and Regulation DD of the Consumer Financial Protection Bureau). However, we may use the term “account” and related terms for convenience from time to time when communicating with you about the Card and transactions and inquiries made with the Card. You may access the funds loaded to the Card and perform Card transactions only as described in this Agreement. You cannot link the Card to any deposit or credit account that you may have with us or with any other financial institution, except as provided in this Agreement. You may not obtain or write checks or drafts to access Card funds. You will not receive any interest on funds loaded to the Card. In our sole discretion we may refuse to issue a Card to anyone for any reason. Your Card cannot be redeemed for cash. We may provide you with a non-personalized temporary Card for immediate use pending the delivery to you of a personalized Card bearing your name. The transactions and uses described in this Agreement are generally available for the temporary Card. However, because your name will not appear on the front of the temporary Card, merchants who require identity verification may be unwilling to accept a temporary Card. Notwithstanding any expiration date that may appear on the temporary Card, the temporary Card will no longer be valid for use upon the earlier of

The Card. You acknowledge and agree that the Card is a general purpose multicurrency reloadable prepaid stored value card. The Card is neither a gift card (nor intended to be used for gifting purposes), a credit card, nor a deposit account debit card. The monetary value accessible through use of the Card is limited to the funds that you have previously loaded to the Card or that have been loaded to the Card on your behalf by CAPES or CNPQbehalf. The Card is not and does not access an individual bank “account” for purposes of certain laws and regulations (including, but not limited to, Regulation E and Regulation DD of the Consumer Financial Protection BureauBoard of Governors of the Federal Reserve System). However, we may use the term “account” and related terms for convenience from time to time when communicating with you about the Card and transactions and inquiries made with the Card. You may access the funds loaded to the Card and perform Card transactions only as described in this Agreement. You cannot link the Card to any deposit or credit account that you may have with us or with any other financial institution, except as provided in this Agreement. You may not obtain or write checks or drafts to access Card funds. You will not receive any interest on funds loaded to the Card. In our sole discretion we may refuse to issue a Card to anyone for any reason. Your Card cannot be redeemed for cash. We may provide you with a non-personalized temporary Card for immediate use pending the delivery to you of a personalized Card bearing your name. The transactions and uses described in this Agreement are generally available for the temporary Card. However, because your name will not appear on the front of the temporary Card, merchants who require identity verification may be unwilling to accept a temporary Card. Notwithstanding any expiration date that may appear on the temporary Cardcard, the temporary Card will no longer be valid for use upon the earlier ofof (i) 90 days after the issuance of the temporary Card or (ii) your activation of the personalized Card that is delivered to you. Upon activation of your personalized Card, any funds remaining on the temporary Card will be available on your personalized Card. Your Card may be loaded with funds in such currency or currencies as we may permit from time to time (each a “Card Currency”). If you use your Card in respect of a transaction in a Card Currency, the funds maintained on your Card in such Card Currency will be utilized for such transaction. If insufficient funds in such Card Currency exist on your Card, funds in other Card Currencies will be converted to the applicable transaction Card Currency in accordance with procedures outlined in Section 14 below, except that references to “Default Currency” will be references to the applicable transaction Card Currency. Transactions for which a currency is not referenced will be processed as a transaction in the default currency established for your Card (the “Default Card Currency”).

The Card. YOU SHOULD TREAT THIS CARD THE SAME AS CASH. IF YOUR CARD IS LOST OR STOLEN, YOU COULD LOSE ALL OR SOME OF THE MONEY ON YOUR CARD. You acknowledge and agree that the Card is a general purpose multicurrency non-reloadable prepaid debit card. The Card is neither a gift card (nor intended to be used for gifting purposes), not a credit card, nor card or a deposit account debit card. There is no credit line or credit card, overdraft protection or deposit account associated with your Card. You will not receive any interest on the money loaded on your Card. YOUR FUNDS ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION. The monetary value accessible through use of the Card is limited to the funds that you have previously were loaded to on the Card or that have been loaded at the time of purchase and may not exceed $500. Cards may be subject to a minimum load amount at the Card on your behalf by CAPES or CNPQtime of purchase. The Card is not and does not access an individual bank “account” for purposes of certain laws and regulations (including, but not limited to, Regulation E and Regulation DD of the Consumer Financial Protection BureauBoard of Governors of the Federal Reserve System). However, we may use the term “account” and related terms for convenience from time to time when communicating with you about the Card and transactions and inquiries made with the Card. You may access the funds loaded to the Card and perform Card transactions only as described in this Agreement. You cannot link connect the Card to any deposit or credit account that you may have with us or with any other financial institution, except as provided in this Agreement. You may not obtain or write checks or drafts to access Card funds. You will not receive any interest on funds loaded to the Card. In our sole discretion we may refuse to issue a Card to anyone for any reason. Your Please know that your Card cannot be redeemed for cash. We may provide you reloaded with a non-personalized temporary Card for immediate use pending the delivery to you of a personalized Card bearing your name. The transactions and uses described in this Agreement are generally available for the temporary Card. However, because your name will not appear on the front of the temporary Card, merchants who require identity verification may be unwilling to accept a temporary Card. Notwithstanding any expiration date that may appear on the temporary Card, the temporary Card will no longer be valid for use upon the earlier ofmore money.

The Card. You acknowledge and agree that the Card is a general purpose multicurrency reloadable prepaid stored value card. The Card is neither a gift card (nor intended to be used for gifting purposes)card, a credit card, nor a deposit account debit card. The monetary value accessible through use of the Card is limited to the funds that you have previously loaded to the Card or that have been loaded to the Card on your behalf by CAPES or CNPQbehalf. The Card is not and does not access an individual bank “account” held by you or for your benefit for purposes of certain laws and regulations (including, but not limited to, Regulation E and Regulation DD of the Consumer Financial Protection BureauBoard of Governors of the Federal Reserve System). However, we may use the term “account” and related terms for convenience from time to time when communicating with you about the Card and transactions and inquiries made with the Card. You Except as we may access otherwise permit in our sole and absolute discretion, the Card is your only means of accessing the funds loaded to the Card (except when all funds remaining on the Card may be provided to you in a single transaction), and you may perform Card transactions only as described in this Agreement. You cannot link the Card to any deposit or credit account that you may have with us or with any other financial institution, except as provided in this Agreement. You may not obtain or write checks or drafts to access Card funds. You will not receive any interest on funds loaded to the Card. In our sole discretion we may refuse to issue a Card to anyone for any reason. Your Card cannot be redeemed for cash. We may provide you with a non-personalized temporary Card for immediate use pending the delivery to you of a personalized Card bearing your name. The transactions and uses described in this Agreement are generally available for the temporary Card. However, because your name will not appear on the front of the temporary Card, merchants who require identity verification may be unwilling to accept a temporary Card. Notwithstanding any expiration date that may appear on the temporary Cardcard, the temporary Card will no longer be valid for use upon the earlier ofof (i) 90 days after the issuance of the temporary Card or (ii) your activation of the personalized Card that is delivered to you. Upon activation of your personalized Card, any funds remaining on the temporary Card will be available on your personalized Card.

The Card. You acknowledge and agree that the Card is a general purpose multicurrency reloadable prepaid stored value card. The Card is neither a gift card (nor intended to be used for gifting purposes), a credit card, nor a deposit account debit card. The monetary value accessible through use of the Card is limited to the funds that you have previously loaded to the Card or that have been loaded to the Card on your behalf by CAPES or CNPQbehalf. The Card is not and does not access an individual bank “account” for purposes of certain laws and regulations (including, but not limited to, Regulation E and Regulation DD of the Consumer Financial Protection BureauBoard of Governors of the Federal Reserve System). However, we may use the term “account” and related terms for convenience from time to time when communicating communi- cating with you about the Card and transactions and inquiries made with the Card. You may access the funds loaded to the Card and perform Card transactions only as described in this Agreement. You cannot link the Card to any deposit or credit account that you may have with us or with any other financial institution, except as provided in this Agreement. You may not obtain or write checks or drafts to access Card funds. You will not receive any interest on funds loaded to the Card. In our sole discretion we may refuse to issue a Card to anyone for any reason. Your Card cannot be redeemed for cash. We may provide you with a non-personalized temporary Card for immediate use pending the delivery to you of a personalized Card bearing your name. The transactions and uses described in this Agreement are generally available for the temporary Card. However, because your name will not appear on the front of the temporary Card, merchants who require identity verification may be unwilling to accept a temporary Card. Notwithstanding any expiration date that may appear on the temporary Cardcard, the temporary Card will no longer be valid for use upon the earlier ofof (i) 90 days after the issuance of the temporary Card or (ii) your activation of the personalized Card that is delivered to you. Upon activation of your personalized Card, any funds remaining on the temporary Card will be available on your personalized Card (iii) by activating your personalized card you are accepting the Terms and Conditions of this product. Your Card may be loaded with funds in such currency or currencies as we may permit from time to time (each a “Card Currency”). If you use your Card in respect of a transaction in a Card Currency, the funds maintained on your Card in such Card Currency will be utilized for such transaction. If insufficient funds in such Card Cur- rency exist on your Card, funds in other Card Currencies will be converted to the applicable transaction Card Currency in accordance with procedures outlined in Section 14 below, except that references to “Default Cur- rency” will be references to the applicable transaction Card Currency. Transactions for which a currency is not referenced will be processed as a transaction in the default currency established for your Card (the “Default Card Currency”).

The Card. You acknowledge and agree that the Card is a general purpose multicurrency reloadable prepaid stored value card. The Card is neither a gift card (nor intended to be used for gifting purposes)card, a credit card, nor a deposit account debit card. The Except as provided below in Section 11, the monetary value accessible through use of the Card is limited to the funds that you have previously loaded to the Card or that have been loaded to the Card on your behalf by CAPES or CNPQbehalf. The Card is not and does not access an individual bank “account” deposit account held by you or for your benefit for purposes of certain laws and regulations (including, but not limited to, Regulation E and Regulation DD of the Consumer Financial Protection BureauBoard of Governors of the Federal Reserve System). However, we may use the term “account” and related terms for convenience from time to time when communicating with you about the Card and transactions and inquiries made with the Card. You Except as we may access otherwise permit in our sole and absolute discretion, the Card is your only means of accessing the funds loaded to the Card (except when the card is closed and all funds remaining on the Card may be provided to you in a single transaction), and you may perform Card transactions only as described in this Agreement. You cannot link the Card to any deposit or credit account that you may have with us or with any other financial institution, except as provided in this Agreement. You may not obtain or write checks or drafts to access Card funds. You will not receive any interest on funds loaded to the Card. In our sole discretion we may refuse to issue a Card to anyone for any reason. Your Card cannot be redeemed for cash. We may provide you with a non-personalized temporary Card for immediate use pending the delivery to you of a personalized Card bearing your name. The transactions and uses described in this Agreement are generally available for the temporary Card. However, because your name will not appear on the front of the temporary Card, merchants who require identity verification may be unwilling to accept a temporary Card. Notwithstanding any expiration date that may appear on the temporary Cardcard, the temporary Card will no longer be valid for use upon the earlier ofof (i) 90 days after the issuance of the temporary Card or (ii) your activation of the personalized Card that is delivered to you. Upon activation of your personalized Card, any funds remaining on the temporary Card will be available on your personalized Card.

The Card. You acknowledge and agree that the Card is a general purpose multicurrency reloadable prepaid stored value card. The Card is neither a gift card (nor intended to be used for gifting purposes), a credit card, nor a deposit account debit card. The monetary value accessible through use of the Card is limited to the funds that you have previously loaded to the Card or that have been loaded to the Card on your behalf by CAPES or CNPQbehalf. The Card is not and does not access an individual bank “account” for purposes of certain laws and regulations (including, but not limited to, Regulation E and Regulation DD of the Consumer Financial Protection BureauBoard of Governors of the Federal Reserve System). However, we may use the term “account” and related terms for convenience from time to time when communicating with you about the Card and transactions and inquiries made with the Card. You may access the funds loaded to the Card and perform Card transactions only as described in this Agreement. You cannot link the Card to any deposit or credit account that you may have with us or with any other financial institution, except as provided in this Agreement. You may not obtain or write checks or drafts to access Card funds. You will not receive any interest on funds loaded to the Card. In our sole discretion we may refuse to issue a Card to anyone for any reason. Your Card cannot be redeemed for cash. . The maximum number of active Cards that can be issued to any customer is two (2) Cards. We may provide you with a non-non- personalized temporary Card for immediate use pending the delivery to you of a personalized Card bearing your name. The transactions and uses described in this Agreement are generally available for the temporary Card. However, because your name will not appear on the front of the temporary Card, merchants who require identity verification may be unwilling to accept a temporary Card. Notwithstanding any expiration date that may appear on the temporary card, the temporary Cardwillnolongerbevalidforuseupontheearlierof(i)90daysafter the issuance of the temporary Card or (ii) your activation of the personalized Card that is delivered to you. Upon activation of your personalized Card, any funds remaining on the temporary Card will no longer be valid available on your personalized Card (iii) by activating your personalized card you are accepting the Terms and Conditions of this product. Your Card may be loaded with funds in such currency or currencies as wemay permitfrom time to time (eacha “Card Currency”).Ifyou use your Card in respect of a transaction in a Card Currency, the funds maintained on your Card in such Card Currency will be utilized for use upon such transaction. If insufficient funds in such Card Currency exist on your Card, funds in other Card Currencies will be converted to the earlier ofapplicable transaction Card Currency in accordance with procedures outlined in Section 14 below, except that references to “Default Currency” will be references to the applicabletransaction Card Currency. Transactions for which a currency is not referenced will be processed as a transaction in the default currency established for your Card (the “Default Card Currency”).