Common use of Using Your Card/Features Clause in Contracts

Using Your Card/Features. Your Card may be used for retail purchases and telephone or Internet purchases. There are limitations on these transactions as well as limitations on the loading and card balance. This information may be found on the Fee Schedule and Limitations table. You may use your Card to purchase or lease goods or services everywhere Visa is accepted as long as you do not exceed the value available on your Card Account. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $75 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to 30 days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. You may also use your Card with PIN to obtain cash at any Automated Teller Machine (“ATM”) displaying the Visa name or logo, the Visa Interlink name or logo, or the Maestro name or logo. All ATM transactions are treated by us as cash withdrawal transactions. Your Card may not be used at an ATM for any other transactions, including specifically Card Account deposits. You will be charged a fee by us for each cash withdrawal made at an ATM in the amount disclosed in the section entitled “Fee Schedule and Limitations” set forth below. Our ATM withdrawal fees do not include additional fees that may be charged by the owners of ATMs or other networks for the use of their terminals. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be used to obtain cash directly from any bank or merchant. You may not use your Card(s) for gambling, including online gambling, or any illegal transaction. Each time you use your Card to make a purchase or obtain cash at an ATM, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, the Primary Accountholder shall remain fully liable to us for the amount of the transaction and any applicable fees. If your Card Account has a negative balance, ▇▇▇▇▇ reserves the right to suspend the Card until the Primary Accountholder satisfies the negative balance. Furthermore, in the event that the balance of your Primary Account is insufficient to cover the amount owed, whether such amount is owed to the Issuer or ▇▇▇▇▇, the Primary Accountholder authorizes ▇▇▇▇▇ to debit the Funding Account for the amount owed. ▇▇▇▇▇ will send the Primary Accountholder an electronic notification, which will state the amount to be debited. The Primary Accountholder may revoke such authorization at any time by terminating the Primary Account. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to ten (10) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to forty-five

Using Your Card/Features. Your You agree to pay the fees disclosed in this Agreement. All fees assessed by the Community Reloadable Prepaid Visa Card are deducted from your available prepaid funds balance or your Card Account. If you do not have sufficient available prepaid funds to cover a fee, the transaction will be declined. Subject to the terms and conditions of this Agreement, your Card may be used wherever Visa debit cards are accepted. However, Temporary Cards may not be used: (i) at ATMs or for retail purchases cash back at any point of sale device or (ii) at merchants outside of the United States (including internet websites based outside the United States). If you received a Temporary Card and telephone you wish to use your Card for any of the uses described in this paragraph, you must first register it (see “How to Register Your Card” above) to receive a Personalized Card. Your Personalized Card may be used to (i) add funds to your Card Account (see section labeled “Loading Your Card” above), (ii) purchase goods or Internet purchasesservices wherever Visa debit cards are accepted, and (iii) withdraw funds from your Card Account. There are Fees and limitations on these transactions as well as limitations on the loading and card balance. This information may be found on the Fee Schedule Table above and Card Limitations tableTable below. You Some services may not be available at all terminals. Your Card may be used without a PIN to make purchases. Subject to the fees and limitations found on the Fee Schedule Table above and Card Limitations Table below, you may use your Card to purchase or lease goods or services everywhere Visa is Debit cards are accepted as long as you do not exceed the prepaid value available on your Card AccountCard. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If When you use your Card at an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $75 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to 30 days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. You may also use your Card with PIN to obtain cash at any Automated Teller Machine (“ATM”) displaying the Visa name or logo, the Visa Interlink name or logo, or the Maestro name or logo. All ATM transactions are treated by us as cash withdrawal transactions. Your Card may not be used at an ATM for any other transactions, including specifically Card Account deposits. You will be charged a fee by us for each cash withdrawal made at an ATM in the amount disclosed in the section entitled “Fee Schedule goods and Limitations” set forth below. Our ATM withdrawal fees do not include additional fees that may be charged by the owners of ATMs or other networks for the use of their terminals. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on services using your Card. Your Card cannot be used to obtain cash directly from any bank or merchant. You may not use your Card(s) for gambling, including online gambling, or any illegal transaction. Each time you use your Card to make a purchase or obtain cash at an ATM, you authorize us to reduce the value available in your prepaid funds balance or Card Account balance by the amount of the transaction and any applicable fees. You are not allowed to exceed At the time of the transaction, you must have sufficient prepaid funds available amount in your Card Account through an individual transaction or a series of transactionswe will decline the transaction. Nevertheless, in some instances, transactions may result in a negative balance associated with your Card (for example, if there is a delay with the acquirer submitting the transaction and there are not enough funds in your prepaid funds balance or Card Account balance at the time the transaction is processed, or if fees are assessed to the funds available on your Card and there are not enough funds to cover the assessment). If, at any time, any transaction exceeds the balance of the funds available on your Card, the Primary Accountholder you shall remain fully liable to us for the amount of the transaction transaction(s) and any applicable fees. If your prepaid funds balance or Card Account has is zero or a negative balance, we may at our sole option cancel your Card. You agree to correct any negative balances by loading your Card Account with sufficient funds within five (5) days from the date the negative balance arises. If there is a negative balance, any funds subsequently added to the Card Account will first be applied to the negative balance, if any. If a Card Account balance remains negative for fifteen (15) days, you understand that the funds in any of your Card Accounts issued by the Issuer can be used to cure the negative balance. This means, there is a right to set-off any liability, direct or contingent, past, present or future that you owe against any Card Account. By activating the Card or by retaining, using or authorizing the use of the Card you ▇▇▇▇▇ reserves the right to suspend the Card until the Primary Accountholder satisfies the negative balance. Furthermore, in the event that the balance of your Primary Account is insufficient to cover the amount owed, whether such amount is owed to the Issuer or ▇▇▇▇▇, the Primary Accountholder authorizes ▇▇ ▇▇▇▇ on and a security interest in the funds on deposit in each Card Account as security for all your liabilities and obligations, now or in the future with us. You agree the security interest granted to debit us is consentual and is in addition to our common law right of set off. Our right of set off and security interest may not apply to your Card to the Funding Account for the amount owed. ▇▇▇▇▇ will send the Primary Accountholder an electronic notification, which will state the amount to be debited. The Primary Accountholder may revoke such authorization at any time extent expressly prohibited by terminating the Primary Accountapplicable law. If you authorize a negative balance is created due to an unauthorized transaction, please refer to the sections of this Agreement titled “Your Liability for Unauthorized Transactions” and “Information About Your Right to Dispute Errors.” You do not have the right to stop payment on any purchase or payment transaction and then fail to originated by use of your Card. You may not make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to ten (10) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to forty-fivepreauthorized recurring or regular payments from your Card or Card Account.