Common use of Using Your Card Clause in Contracts

Using Your Card. Before using your 360FCU Visa Gift Card, you need to activate and register the Card on the Gift Card website, which can be accessed at xxx.000xxx.xxx or xxxxx://xxxxxxxxxxxxxxxxx.xxxxxx.xxx or by calling (000) 000-0000, check applicable fees. You must sign the back before you can use the Card. You should also write down the card number as well as the Customer Service Number on a separate piece of paper in case the card is ever lost or stolen. Please read this entire Terms and Conditions of which a copy can also be accessed at xxx.000xxx.xxx under Visa then Visa Gift and Reloadable Debit Cards. These Terms and Conditions may change as required by law. You will be deemed to have accepted the Full Card terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Non-Reloadable Prepaid Card immediately upon receipt. Your 360FCU Visa Gift Card is issued by 360FCU and may be used for purchases at most merchants where Visa Debit is accepted. The Card may not be used for recurring payments, non-financial money exchange establishment, gambling establishments; and some merchants such as airlines, hotels, rental car agencies or “pay at the pump” gasoline. (You may purchase gas by presenting the card to the attendant). Some merchants, like restaurants, may attempt to submit authorizations against the Card for an amount greater than the actual purchase amount. If a merchant attempts an authorization greater than the balance remaining on your gift Card, it may be declined. This 360FCU Visa Gift Card is not a credit Card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only up to the amount left on the Card. Purchases will be deducted from your 360FCU Visa Gift Card until the value reaches zero. If a transaction initiated by you exceeds the remaining balance on the Card, you must tell the merchant before completing the transaction. Any transaction attempted for more than the amount available on the Card will be declined. Therefore, you must know the amount available on your Card and inform the merchant to process the transaction in that amount. You must pay the difference with another form of payment. If you are given value through the use of the Card greater than the balance remaining, you will pay us on demand the amount by which your transactions exceeded the balance remaining on the Card. For PIN based purchases you may obtain a PIN or Personal Identification Number by calling (000) 000-0000 Gift Card Fees and Charges • Card Service/Enrollment Fee: $3.95 • Card Replacement Fee for a lost, stolen, or damaged Card: $10.00 • There are no fees associated with the use of the Card when purchasing goods and services nor are there any inactivity or non-use fees/charges.

Using Your Card. Before You may use your Card to purchase goods at select merchant types that accept Visa debit cards or NYCE® cards as long as you do not exceed the value available on your Card. For additional information on merchant types where this card may be used, visit xxxxxxxxxxxxxxxxx.xxx and review the frequently asked questions section. Some merchants may allow transactions to be processed as either a “credit” or “debit.” A Personal Identification Number (“PIN”) is not required for “credit” transactions; just your signature. If you wish to or are required to conduct a “debit” transaction, your default PIN is the last four (4) digits of your Card Account number. You may visit xxxxxxxxxxxxxxxxx.xxx to update your PIN. The initial Card balance will be indicated on the Card pocket or will be pre-denominated on the Card. 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, tell the merchant to charge only the exact amount of funds available on the Card and arrange to pay the difference using another payment method. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your 360FCU Visa Gift Card, your Card is likely to be declined. Certain merchants and/or the Issuer may increase the purchase authorization request or place a “hold” on your Card’s available balance to accommodate for potential Card overdrafts. These may include transactions from specific merchants or merchants belonging to certain merchant categories such as telephone and mail order companies. Some merchants may only accept your Card for full and final settlement of your xxxx. 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 seven (7) days for the hold to be removed and you will not have access to the preauthorized amount during that period. If you use your Card number for mail order, telephone, or Internet purchases, 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. You may not use your Card for online gambling or any illegal transaction. Each time you use your Card, you need authorize us to activate reduce the value available by the amount of the transaction and register the Card on the Gift Card website, which can be accessed at xxx.000xxx.xxx or xxxxx://xxxxxxxxxxxxxxxxx.xxxxxx.xxx or by calling (000) 000-0000, check any applicable fees. You must sign are not allowed to exceed the back before 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, you can shall remain fully liable to us for the amount of the transaction and any applicable fees. You do not have the right to stop payment on any purchase or payment transaction originated by use the of your Card. You should also write down the card number as well as the Customer Service Number on a separate piece of paper in case the card is ever lost or stolen. Please read this entire Terms and Conditions of which a copy can also be accessed at xxx.000xxx.xxx under Visa then Visa Gift and Reloadable Debit Cards. These Terms and Conditions may change as required by law. You will be deemed to have accepted the Full Card terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Non-Reloadable Prepaid Card immediately upon receipt. Your 360FCU Visa Gift Card is issued by 360FCU and may be used for purchases at most merchants where Visa Debit is accepted. The Card may not be used for recurring payments, non-financial money exchange establishment, gambling establishments; and some merchants such as airlines, hotels, rental car agencies or “pay at the pump” gasoline. (You may purchase gas by presenting the card to the attendant). Some merchants, like restaurants, may attempt to submit authorizations against the make preauthorized regular payments from your Card for an amount greater than the actual purchase amountAccount. If you authorize a merchant attempts an authorization greater than transaction and then fail to make a purchase of that item as planned, the balance remaining on your gift Card, it approval may be declined. This 360FCU Visa Gift Card is not result in a credit Card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only hold for that amount of funds for up to the thirty (30) days. All transactions relating to car rentals may result in a hold for that amount left on the Card. Purchases will be deducted from your 360FCU Visa Gift Card until the value reaches zero. If a transaction initiated by you exceeds the remaining balance on the Card, you must tell the merchant before completing the transaction. Any transaction attempted of funds for more than the amount available on the Card will be declined. Therefore, you must know the amount available on your Card and inform the merchant up to process the transaction in that amount. You must pay the difference with another form of paymentsixty (60) days. If you are given value through the use of the Card greater than the balance remainingentitled to a refund for any reason for goods or services obtained with your Card, you will pay us on demand agree to accept credits to your Card for such refunds and agree to the amount by which your transactions exceeded refund policy of that merchant. The Issuer is not responsible for the balance remaining on delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with the Card. For PIN based purchases you may obtain a PIN or Personal Identification Number by calling (000) 000-0000 Gift Card Fees All such disputes must be addressed and Charges • Card Service/Enrollment Fee: $3.95 • Card Replacement Fee for a lost, stolen, or damaged Card: $10.00 • There are no fees associated handled directly with the use of merchant. Refunds are not processed in real-time and may require three (3) days or more for the Card when purchasing goods and services nor are there any inactivity or non-use fees/chargesfunds to return to your Card.

Using Your Card. Before using your 360FCU TruStone Financial Visa Gift Card, you need to activate and may register the Card on the Gift Card websiteWebsite, which can be accessed at xxx.000xxx.xxx or xxxxx://xxxxxxxxxxxxxxxxx.xxxxxx.xxx or by calling (000) 000-0000, check applicable feesat: xxx.XxxXxxxxxxxxxxxxx.xxx. You must register the Card before you can use it for any online purchases. You must sign the back of your card before you can use the Card. You should also write down the card number as well as the Customer Service Number on a separate piece of paper in case the card is ever lost or stolen. Please read this entire Terms and Conditions of which a copy can also be accessed at xxx.000xxx.xxx under Visa then Visa Gift and Reloadable Debit Cards. These Terms and Conditions may change as required by law. You will be deemed to have accepted the Full Card terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Non-Reloadable Prepaid Card immediately upon receipt. Your 360FCU Visa Gift Card is issued by 360FCU and may be used for purchases at most merchants where Visa Debit is accepted. The Card may not be used for to obtain cash, make recurring payments, nonperform Illegal transactions or any on-financial money exchange establishmentline gambling activity. If you use your card number without presenting your Card, gambling establishments; and some merchants such the legal affect will be the same as airlines, hotels, rental car agencies or “pay at if you used the pump” gasolineCard itself. (You may purchase gas by presenting do not have the card right to the attendant)stop payment on any transaction made with your Card. Some merchants, like restaurants, may attempt factor a tip into the price of up to submit authorizations against the Card for an amount greater than 20% when pre-authorizing card purchases but you will only be debited the actual purchase amountamount you spend. If a merchant attempts an authorization greater than the balance remaining on your gift Card, it may be declined. This 360FCU Visa Gift Card is not a credit Card and may not Payment for pay-at-the pump stations must be reloadedmade inside. You may only Each time you use it when there is a balance remaining on the Card and only up your card, you authorize us to deduct the amount left on of the transaction from the balance of the funds associated with the Card. Purchases will be deducted from You are not allowed to exceed the balance of the funds available on your 360FCU Visa Gift Card until card. Nevertheless, if a transaction that exceeds the value reaches zerobalance of the funds available on your card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a transaction initiated by you exceeds purchase which is greater than the remaining balance of the funds available on the your Card, you must tell the merchant before completing merchant, to charge only the transaction. Any transaction attempted for more than the exact amount of funds available on the Card will to the Card and then you must arrange to pay the difference using another payment method. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. Therefore, you must know You may check the amount available on balance of your Card and inform by visiting our website at xxx.XxxXxxxxxxxxxxxxx.xxx or by calling toll-free 000-000-0000. Your Card expires on the merchant to process the transaction in that amount. You must pay the difference with another form of payment. If you are given value through the use last day of the Card greater than the balance remaining, you will pay us on demand the amount by which your transactions exceeded the balance remaining month displayed on the Card. For PIN based purchases you At expiration, the Card will be closed and any unused balance will be returned to the appropriate governing body under applicable escheatment laws. You may obtain a PIN or Personal Identification Number close your card and receive the remaining balance by calling (contacting 000) -000-0000 Gift Card Fees and Charges • Card Service/Enrollment Fee: $3.95 • Card Replacement Fee for a lost, stolen, or damaged Card: $10.00 • There are no fees associated with the use of the Card when purchasing goods and services nor are there any inactivity or non-use fees/chargesby visiting your local TruStone Financial branch.

Using Your Card. Before using your 360FCU Visa Gift Card, you need to activate and register the Card on the Gift Card website, which Features The maximum amount that can be accessed at xxx.000xxx.xxx or xxxxx://xxxxxxxxxxxxxxxxx.xxxxxx.xxx or by calling (000) 000-0000, check applicable feesspent on your Card per day is $750.00. The maximum value of your Card is restricted to $750.00. You must sign the back before you can may use the Card. You should also write down the card number your Card to purchase or lease goods or services everywhere Visa debit cards are accepted as well long as the Customer Service Number on a separate piece of paper in case the card is ever lost or stolen. Please read this entire Terms and Conditions of which a copy can also be accessed at xxx.000xxx.xxx under Visa then Visa Gift and Reloadable Debit Cards. These Terms and Conditions may change as required by law. You will be deemed to have accepted the Full Card terms of this Agreement if you do any of not exceed the following: (a) value available on your Card Account. Some merchants do not allow cardholders to conduct split transactions where you would use the Card or (b) activate as partial payment for goods and services and pay the Card. Please sign remainder of the back balance with another form of your Non-Reloadable Prepaid Card immediately upon receipt. Your 360FCU Visa Gift Card is issued by 360FCU and may be used for purchases at most merchants where Visa Debit is accepted. The Card may not be used for recurring payments, non-financial money exchange establishment, gambling establishments; and some merchants such as airlines, hotels, rental car agencies or “pay at the pump” gasoline. (You may purchase gas by presenting the card to the attendant). Some merchants, like restaurants, may attempt to submit authorizations against the Card for an amount greater than the actual purchase amountlegal tender. If you wish to conduct a merchant attempts an authorization greater than split transaction and it is permitted by the balance remaining on your gift Card, it may be declined. This 360FCU Visa Gift Card is not a credit Card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only up to the amount left on the Card. Purchases will be deducted from your 360FCU Visa Gift Card until the value reaches zero. If a transaction initiated by you exceeds the remaining balance on the Cardmerchant, you must tell the merchant before completing to charge only the transaction. Any transaction attempted for more than the exact amount of funds available on the Card will 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. ThereforeIf you use your Card at an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $100.00 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 seven (7) days for the hold to be removed. During the hold period, you must know will not have access to the preauthorized amount. 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 redeemed for cash. You may not use your Card for online gambling or any illegal transaction. Each time you use your Card, 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 and inform Card, you shall remain fully liable to us for the merchant to process amount of the transaction in that amountand any applicable fees. You must pay do not have the difference with another form right to stop payment on any purchase or payment transaction originated by use of paymentyour Card. You may not make preauthorized regular payments from your Card Account. If you are given value through authorize a transaction and then fail to make a purchase of that item as planned, the use approval may result in a hold for that amount of the Card greater than the balance remaining, you will pay us on demand the funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount by which your transactions exceeded the balance remaining on the Card. For PIN based purchases you may obtain a PIN or Personal Identification Number by calling of funds for up to sixty (00060) 000-0000 Gift Card Fees and Charges • Card Service/Enrollment Fee: $3.95 • Card Replacement Fee for a lost, stolen, or damaged Card: $10.00 • There are no fees associated with the use of the Card when purchasing goods and services nor are there any inactivity or non-use fees/chargesdays.

Using Your Card. Before using your 360FCU Visa Gift Card, you need to activate and register the Your Card on the Gift Card website, which can be accessed at xxx.000xxx.xxx or xxxxx://xxxxxxxxxxxxxxxxx.xxxxxx.xxx or by calling (000) 000-0000, check applicable fees. You must sign the back before you can use the Card. You should also write down the card number as well as the Customer Service Number on a separate piece of paper in case the card is ever lost or stolen. Please read this entire Terms and Conditions of which a copy can also be accessed at xxx.000xxx.xxx under Visa then Visa Gift and Reloadable Debit Cards. These Terms and Conditions may change as required by law. You will be deemed to have accepted the Full Card terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Non-Reloadable Prepaid Card immediately upon receipt. Your 360FCU Visa Gift Card is issued by 360FCU and may be used to access the Available Balance of funds stored on the Card everywhere Visa debit cards are accepted in the United States. • If you pay at the pump for purchases at most merchants where Visa Debit is accepted. The Card may not be used for recurring paymentsgas, non-financial money exchange establishment, gambling establishments; and some merchants such as airlines, hotels, rental car agencies or the card terminal in the “pay at the pump” gasolinestations automatically checks to see if your Card has enough money left to pay for an average purchase of gas which varies among merchants and is at least $100. (You may If your Card does not have enough money to pay for this amount, your transaction will be declined. The average gas purchase amount changes just as retail gas by presenting the card prices change. If you plan to buy less than $100 worth of gas, it is recommended that you give your Card to the attendant)station attendant and state exactly how much gas you want to purchase, instead of swiping your Card at the pump. Some merchants• When making a purchase greater than the Available Balance on the Card, like restaurants, may attempt alert the cashier to submit authorizations against utilize another form of payment to cover the Card for an amount greater than the actual purchase amount. If a merchant attempts an authorization greater than the balance remaining on your gift Card, it may be declined. This 360FCU Visa Gift Card what is not a credit Card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only up to the amount left available on the Card. Purchases will be deducted from your 360FCU Visa Gift Card until Ask the value reaches zero. If a transaction initiated by you exceeds the cashier to use remaining balance on the Card, you must tell the merchant before completing the transaction. Any transaction attempted for more than the amount available on of the Card will be declined. Therefore, you must know as the amount available on your Card and inform the merchant to process the transaction in that amount. You must pay the difference with another second form of payment. If There is no credit line associated with your Card. This means that you are given value must have a sufficient Available Balance at the time of a transaction in order to pay for the transaction and associated fees. Limitations on Use. Your Card may be used for domestic purchases in the United States only. You may use your Card only in the manner and for the purposes authorized by this Agreement. You may not use your Card for any illegal purpose, and you may not resell your Card. You may not use your Card to obtain cash at ATMs. INTERNET GAMBLING TRANSACTIONS PROHIBITED: You may not use your Card to initiate any type of electronic gambling transaction through the use Internet. We may restrict access to your Card if we notice suspicious activities. If access is denied, you should contact us at the address in Section 1 so that we may discuss and rectify any problems. You are responsible for all authorized transactions using your Card. Authorizations and Holds. Any entity honoring your Card will be required to obtain approval or authorization for any transaction in accordance with the rules of Visa U.S.A., Inc. When an authorization is issued, a thirty-day hold may be placed on the value on the Card in the amount of the authorization. When you use your Card greater than the balance remainingin a tipping environment (at restaurants, you will pay us on demand bars, xxxxxx or beauty shops or for taxis or limos), the amount by which your transactions exceeded the balance remaining of authorization may include a tip of 20%-25%. Up to a ninety-day hold may be placed on the Card. For PIN based purchases you may obtain a PIN or Personal Identification Number by calling (000) 000-0000 Gift value on the Card Fees and Charges • Card Service/Enrollment Fee: $3.95 • Card Replacement Fee for a lost, stolen, or damaged Card: $10.00 • There are no fees associated with in the use amount of the preauthorization request made by hotels and rental merchants. If the authorization request varies from the amount of the transaction the merchant subsequently submits to the Visa system, settlement of the transaction may not remove the hold, which may remain on the Card when purchasing goods and services nor are there any inactivity or non-use fees/chargesuntil the hold days have expired. If your Card is subject to a hold, the value on the Card that is subject to the hold will not be available for other purposes.

Using Your Card. Before using You may use your 360FCU Visa Gift Card to obtain goods or services wherever the Card is honored. The Card cannot be used to obtain cash, for illegal transaction or online gambling activity. If you use your Card number without presenting your Card (such as for a mail order or telephone purchase), the legal effect will be the same as if you used the Card itself. Payment for pay-at-the-pump stations must be made inside. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made with your Card. Each time you use your Card, you need authorize us to activate and register deduct the Card on amount of the Gift Card website, which can be accessed at xxx.000xxx.xxx or xxxxx://xxxxxxxxxxxxxxxxx.xxxxxx.xxx or by calling (000) 000-0000, check applicable fees. You must sign transaction from the back before you can use balance of the funds associated with the Card. You should also write down the card number as well as the Customer Service Number on a separate piece of paper in case the card is ever lost or stolenYOU ARE NOT PERMITTED TO EXCEED THE BALANCE OF THE FUNDS AVAILABLE ON YOUR CARD. Please read this entire Terms and Conditions of which a copy can also be accessed at xxx.000xxx.xxx under Visa then Visa Gift and Reloadable Debit Cards. These Terms and Conditions may change as required by law. You will be deemed If you attempt to have accepted the Full Card terms of this Agreement if you do any of the following: (a) use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or (b) activate otherwise, you shall remain fully liable to us for the Cardamount of the transaction. Please sign the back of If you choose to use your Non-Reloadable Prepaid Card immediately upon receipt. Your 360FCU Visa Gift Card is issued by 360FCU and may be used for purchases at most merchants where Visa Debit is accepted. The Card may not be used for recurring payments, non-financial money exchange establishment, gambling establishments; and some merchants such as airlines, hotels, rental car agencies or “pay at the pump” gasoline. (You may purchase gas by presenting the card to the attendant). Some merchants, like restaurants, may attempt to submit authorizations against the Card for an amount greater than the actual a purchase amount. If a merchant attempts an authorization which is greater than the balance remaining of the funds available on your gift Card, it may be declined. This 360FCU Visa Gift Card is not a credit Card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only up to the amount left on the Card. Purchases will be deducted from your 360FCU Visa Gift Card until the value reaches zero. If a transaction initiated by you exceeds the remaining balance on the Card, you must tell the merchant before completing to charge only the transaction. Any transaction attempted for more than the exact amount of funds available on the Card will to the Card and then you must arrange to pay the difference using another payment method. The merchant may require a payment for the difference in cash rather than accepting another Card, such as a credit or debit Card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. Therefore, you must know the amount available on You may check your Card and inform the merchant to process the transaction in that amount. You must pay the difference with another form of paymentbalance by visiting xxx.xxxx.xxxxx.xxx or calling 000-000-0000. If you are given value through commence a purchase and then change your mind and fail to make the use purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of the Card greater than the balance remaining, you will pay us funds. Car and hotel authorizations may also result in an additional temporary hold on demand the amount by which your transactions exceeded the balance remaining on the Card. For PIN based purchases you may obtain a PIN or Personal Identification Number by calling (000) 000-0000 Gift Card Fees and Charges • Card Service/Enrollment Fee: $3.95 • Card Replacement Fee for a lost, stolen, or damaged Card: $10.00 • There are no fees associated with the use of the Card when purchasing goods and services nor are there any inactivity or non-use fees/chargesfunds.

Using Your Card. Before using You may use your 360FCU Visa Gift Card to pay for goods and services online, over the phone, and by mail order anywhere VISA® debit cards are accepted, subject to any merchant restrictions or merchant category restrictions imposed by us or your Provider. You may use your Card to purchase or lease goods or services wherever the Card is honored as long as you do not exceed the value available on your Card. You are personally responsible for all transactions initiated and fees incurred by use of your Card. If you permit someone else to use your Card we will treat this as if you have authorized such use and you will be responsible for any transactions made subject to such use. If you do not have enough value loaded on your Card you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are called “split transactions”. Some merchants do not allow cardholders to do split transactions. As you will only be able to use your Card number without presenting a physical Card (such as for an online, mail order or telephone purchase), the legal effect will be the same as if you used the physical Card itself. Your Card cannot be redeemed for cash. Your card may be excluded from making certain merchant purchases as determined by your Provider. You may not use your Card for any illegal transactions, nor may you use your Card at casinos, or for gambling activity. You should keep track of the amount of value loaded on Cards issued to you. You may view the amount of value remaining on your Card by logging into your Card Account at xxx.xxxxxxxxxxxxxxx.xxx at any time or by calling the Customer Service number listed below at any time. To reach us to obtain balances associated with Card or if you have questions on Card usage, call toll-free 0-000-000-0000. Each time you use your Card, you need authorize us to activate reduce the value available on your Card by the amount of the transaction and register the Card on the Gift Card website, which can be accessed at xxx.000xxx.xxx or xxxxx://xxxxxxxxxxxxxxxxx.xxxxxx.xxx or by calling (000) 000-0000, check any applicable fees. You must sign are not allowed to exceed the back before you can use available amount on your Card through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the Card. You should also write down the card number as well as the Customer Service Number on a separate piece of paper in case the card is ever lost or stolen. Please read this entire Terms and Conditions of which a copy can also be accessed at xxx.000xxx.xxx under Visa then Visa Gift and Reloadable Debit Cards. These Terms and Conditions may change as required by law. You will be deemed to have accepted the Full Card terms of this Agreement if you do any balance of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Non-Reloadable Prepaid Card immediately upon receipt. Your 360FCU Visa Gift Card is issued by 360FCU and may be used for purchases at most merchants where Visa Debit is accepted. The Card may not be used for recurring payments, non-financial money exchange establishment, gambling establishments; and some merchants such as airlines, hotels, rental car agencies or “pay at the pump” gasoline. (You may purchase gas by presenting the card to the attendant). Some merchants, like restaurants, may attempt to submit authorizations against the Card for an amount greater than the actual purchase amount. If a merchant attempts an authorization greater than the balance remaining on your gift Card, it may be declined. This 360FCU Visa Gift Card is not a credit Card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only up to the amount left on the Card. Purchases will be deducted from your 360FCU Visa Gift Card until the value reaches zero. If a transaction initiated by you exceeds the remaining balance on the Card, you must tell the merchant before completing the transaction. Any transaction attempted for more than the amount available on the Card will be declined. Therefore, you must know the amount funds available on your Card and inform (creating a “shortage”) you shall remain fully liable to us for the merchant to process amount of the transaction in and any applicable fees or charges. If we identify that amountyou have more than one card account, we may move a positive balance to cover a negative balance (“Right of Setoff”). You must pay the difference with another form of payment. If you are given value through the use of the Card greater than the balance remaining, you will agree to pay us on demand promptly for the amount by which shortage and any applicable shortage fees. We also reserve the right to cancel this Card should you create a shortage with your transactions exceeded the balance remaining on the Card. For PIN based purchases you may obtain a PIN or Personal Identification Number by calling (000) 000-0000 Gift Card Fees and Charges • Card Service/Enrollment Fee: $3.95 • Card Replacement Fee for a lost, stolen, or damaged Card: $10.00 • There are no fees associated with the use of the Card when purchasing goods and services nor are there any inactivity or non-use fees/charges.

Using Your Card. Before using You may use your 360FCU Visa Gift CardCard to: access cash at ATMs displaying VISA , you need Interlink, Plus, Maestro or MoneyPass Network logo, pay for goods and services anywhere VISA ® debit cards are accepted. You may use your Card to activate and register purchase or lease goods or services wherever the Card is honored as long as you do not exceed the value available on the Gift Card website, which can be accessed at xxx.000xxx.xxx or xxxxx://xxxxxxxxxxxxxxxxx.xxxxxx.xxx or by calling (000) 000-0000, check applicable fees. You must sign the back before you can use the your Card. You should also write down are personally responsible for all transactions initiated and fees incurred by use of your Card. If you permit someone else to use your Card we will treat this as if you have authorized such use and you will be responsible for any transactions made subject to such use. If you do not have enough value loaded on your Card you can instruct the card number as well as merchant to charge a part of the Customer Service Number on purchase to the Card and pay the remaining amount with cash or another card. These are called “split transactions”. Some merchants do not allow cardholders to do split transactions. Some merchants will only allow you to do a separate piece of paper split transaction if you pay the remaining amount in case the card is ever lost or stolencash. Please read this entire Terms and Conditions of which a copy can also be accessed at xxx.000xxx.xxx under Visa then Visa Gift and Reloadable Debit MoneyPass network ATM’s are only available for use with upgraded Personalized Cards. These Terms and Conditions may change as required by lawTo avoid an ATM surcharge, visit a MoneyPass ATM. You will be deemed to have accepted the Full Find a MoneyPass ATM near you at xxx.xxxxxxxxx.xxx. If you use your Card terms of this Agreement if you do any of the following: at an automated fuel dispenser (a) use the Card or (b) activate the Card. Please sign the back of your Non-Reloadable Prepaid Card immediately upon receipt. Your 360FCU Visa Gift Card is issued by 360FCU and may be used for purchases at most merchants where Visa Debit is accepted. The Card may not be used for recurring payments, non-financial money exchange establishment, gambling establishments; and some merchants such as airlines, hotels, rental car agencies or “pay at the pump”), the merchant may preauthorize the transaction amount up to $100.00 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” gasolineon 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 seven (You may purchase gas by presenting 7) days for the card hold to be removed. During the hold period, you will not have access to the attendant). Some merchants, like restaurants, may attempt to submit authorizations against the Card for an amount greater than the actual purchase preauthorized amount. If you use your Card number without presenting your Card (such as for a merchant attempts an authorization greater than mail order or telephone purchase), the balance legal effect will be the same as if you used the Card itself. Your Card cannot be redeemed for cash. You may not use your Card for any illegal transactions, nor may you use your Card at casinos, or for gambling activity. You should keep track of the amount of value loaded on Cards issued to you. You may view the amount of value remaining on your gift Card, it may be declined. This 360FCU Visa Gift Card is not a credit by logging into your Card Account at xxx.xxxxxx.xxx at any time or by calling us at the Customer Service number shown on your Card and may not be reloadedlisted below to obtain the current value on your card. You may only To reach us to obtain balances associated with Card or to speak to a customer service agent call toll-free 000-000-0000, to use it when there is the automated phone system 24 hours a balance remaining on the Card and only up to the amount left on the Card. Purchases will be deducted from day, 7 days a week.. Each time you use your 360FCU Visa Gift Card until the value reaches zero. If a transaction initiated by you exceeds the remaining balance on the Card, you must tell authorize us to reduce the merchant before completing the transaction. Any transaction attempted for more than the amount available on the Card will be declined. Therefore, you must know the amount value available on your Card and inform by the merchant to process amount of the transaction in that amountand any applicable fees. You must pay are not allowed to exceed the difference with another form available amount on your Card through an individual transaction or a series of paymenttransactions. If you are given value through Nevertheless, if a transaction exceeds the use balance of the funds available on your Card greater than (creating a “shortage”) you shall remain fully liable to us for the balance remaining, you will amount of the transaction and any applicable fees or charges. You agree to pay us on demand promptly for the amount by which shortage and any applicable shortage fees. We also reserve the right to cancel this Card should you create a shortage with your transactions exceeded the balance remaining on the Card. For PIN based purchases you may obtain We reserve the right to cancel your Card if your account balance has a PIN or Personal Identification Number by calling $0 (000zero) 000-0000 Gift Card Fees and Charges • Card Service/Enrollment Fee: $3.95 • Card Replacement Fee balance for a lost, stolen, or damaged Card: $10.00 • There are no fees associated with the use of the Card when purchasing goods and services nor are there any inactivity or non-use fees/chargesmore than 90 days.

Using Your Card. Before Provided funds are available in your Account, you may use your Card to perform the following types of transactions in accordance with this Agreement: • At ATMs and tellers at financial institutions worldwide displaying the Visa® or Plus® logos, and subject to any applicable fees, you may use your Card to (i) make withdrawals of cash up to the lesser of the limits detailed in Section C-5 of this agreement or the amount of funds stored in your Account. Individual ATM limits may also apply. Commerce ATMs and Allpoint Network ATMs shall be considered In Network ATMs and can be found on the locator page at xxxxxxxxxxxxxxxxxx.xxx. If you plan on traveling internationally, contact the Commerce Bank Velocity Pay® Center at 0-000-000-0000 to inquire about using your 360FCU Visa Gift CardCard abroad. • At merchants accepting Visa® debit or Interlink® or Maestro® transactions, you need may use your Card to activate pay for purchases of goods and register services and obtain cash up to the amount of funds stored in your Account (including any applicable fees). Any person honoring your Card may be required to obtain approval or authorization for any transaction. We may recognize the transaction even if it was not authorized, but that does not mean we will accept the same type of transaction again. You do not have the right to stop payment on any point-of-sale transaction originated by use of your Card. A PIN will not be needed in order to purchase goods or services using the “credit” transaction key at merchant locations that accept Visa® debit cards and allow transactions to be routed as “credit”, or when purchasing goods over the phone or on the Gift Card website, which can Internet. Some of these services may not be accessed available at xxx.000xxx.xxx all terminals. We will not be liable or xxxxx://xxxxxxxxxxxxxxxxx.xxxxxx.xxx responsible for any merchant’s inability or by calling (000) 000-0000, check applicable fees. You must sign the back before you can use the refusal to honor your Card. You should also write down agree that you will: (i) use the card number Card only as well as provided for in the Customer Service Number on a separate piece Agreement; (ii) promptly notify us of paper any loss or theft of your Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN, code, or numbers used to access Account funds; and (iv) not use your Card for any illegal purpose, including, but not limited to, online gambling merchants, whether or not online gambling is illegal in case the card is ever lost or stolen. Please read this entire Terms and Conditions of state in which a copy can also be accessed at xxx.000xxx.xxx under Visa then Visa Gift and Reloadable Debit Cards. These Terms and Conditions may change as required by lawyou use your Card. You will be deemed agree not to have accepted use the Full Card for business purposes. We may refuse to process any transaction that may violate the terms of this Agreement if you do or any of the following: applicable law, regulation or rule (a) use the Card or (b) activate the Card. Please sign the back of your Non-Reloadable Prepaid Card immediately upon receipt. Your 360FCU including, but not limited to, any Visa Gift Card is issued by 360FCU and may be used for purchases at most merchants where Visa Debit is accepted. The Card may not be used for recurring payments, non-financial money exchange establishment, gambling establishments; and some merchants such as airlines, hotels, rental car agencies or “pay at the pump” gasoline. (You may purchase gas by presenting the card to the attendantrule). Some merchants, like restaurants, We may attempt also limit the number of Cards issued to submit authorizations against the Card for an amount greater than the actual purchase amount. If a merchant attempts an authorization greater than the balance remaining on your gift Card, it may be declined. This 360FCU Visa Gift Card is not a credit Card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only up to the amount left on the Card. Purchases will be deducted from your 360FCU Visa Gift Card until the value reaches zero. If a transaction initiated by you exceeds the remaining balance on the Card, you must tell the merchant before completing the transaction. Any transaction attempted for more than the amount available on the Card will be declined. Therefore, you must know the amount available on your Card and inform the merchant to process the transaction in that amount. You must pay the difference with another form of payment. If you are given value through the use of the Card greater than the balance remaining, you will pay us on demand the amount by which your transactions exceeded the balance remaining on the Card. For PIN based purchases you may obtain a PIN or Personal Identification Number by calling (000) 000-0000 Gift Card Fees and Charges • Card Service/Enrollment Fee: $3.95 • Card Replacement Fee for a lost, stolen, or damaged Card: $10.00 • There are no fees associated with the use of the Card when purchasing goods and services nor are there any inactivity or non-use fees/chargesour sole discretion.

Using Your Card. Before using You may use your 360FCU Visa Gift Card to make purchases at any merchant that accepts Mastercard debit cards or debit cards of Interlink or other networks in which the Bank participates (each a "Network"), subject to the Available Funds in your Account, the transaction limits described below, and the other terms and conditions of this Agreement. You acknowledge and agree that the value available to you for use with the Card is limited to the Available Funds in your Account. So long as you do not exceed the Available Funds in your Account, you may use the Card to purchase goods or services wherever the Card is honored, and to obtain cash by initiating cash withdrawal transactions through the Card from any financial institution or ATM that accepts the Card. Each time you use the Card, you need authorize Robinhood to activate reduce the Available Funds in your Account by the amount of the purchase or withdrawal and register any applicable fees, costs, or holdings. Please see your Customer Agreement for information about how Available Funds are calculated. In some circumstances, margin credit may be included in Available Funds. Nevertheless, if you exceed the Available Funds in your Account you shall remain fully liable to Robinhood and the Bank for the amount of the transactions and any applicable fees and charges. If you do not have enough Available Funds in your Account to cover a given transaction, you can instruct the merchant to charge a part of the purchase to the Card on and pay the Gift Card websiteremaining amount using another payment method. These are called "split transactions." Some merchants do not allow cardholders to conduct split transactions. Nevertheless, which can if a transaction exceeds the amount of Available Funds in your Account or causes you to have a negative balance in your Account, you will be accessed at xxx.000xxx.xxx or xxxxx://xxxxxxxxxxxxxxxxx.xxxxxx.xxx or by calling (000) 000-0000, check fully liable to Robinhood and the Bank for the full amount of the transaction and any applicable fees. You must sign When making purchases with your Card at any point-of-sale ("POS") device other than through a Digital Wallet provider, you may select "CREDIT" on the back before you can use the Cardkeypad to make a signature purchase. You should also write down may not use your Card for any online gambling, escort services or any illegal transaction. We may temporarily suspend – “freeze” – your Card and try to contact you if we notice transactions that are unusual or appear suspicious or for any other reason. You are required to notify us immediately by sending us an email at xxxx@xxxxxxxxx.xxx if you believe the card number as well as the Customer Service Number on a separate piece of paper in case the card Card is ever lost or stolen. Please read this entire Terms and Conditions of which a copy can also be accessed at xxx.000xxx.xxx under Visa then Visa Gift and Reloadable Debit Cards. These Terms and Conditions may change as required by law. You will be deemed to have accepted the Full Card terms of this Agreement if Merchant Holds on Available Funds: When you do any of the following: (a) use the your Card or (b) activate Card number to initiate a transaction at certain merchant locations, websites or mobile applications, such as hotels, restaurants, gas stations, and rental car companies, where the Card. Please sign final purchase amount is unknown at the back time of your Non-Reloadable Prepaid Card immediately upon receipt. Your 360FCU Visa Gift Card is issued by 360FCU and authorization, a hold may be used for purchases at most merchants where Visa Debit is accepted. The Card may not be used for recurring payments, non-financial money exchange establishment, gambling establishments; and some merchants such as airlines, hotels, rental car agencies or “pay at placed on the pump” gasoline. (You may purchase gas by presenting the card to the attendant). Some merchants, like restaurants, may attempt to submit authorizations against the Card Available Funds in your Account for an amount greater than equal to or in excess of the actual purchase final transaction amount. If a The funds subject to the hold will not be available to you for any other purpose until the merchant attempts an authorization greater than sends the balance remaining on Bank the final transaction amount, although the hold will not affect your gift Cardday trade buying power. Once the Bank receives the final transaction amount, it may be declined. This 360FCU Visa Gift Card is not a credit Card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only take up to seven (7) days or more for the amount left on the Cardhold to be removed. Purchases will be deducted from your 360FCU Visa Gift Card until the value reaches zero. If a transaction initiated by you exceeds the remaining balance on the Card, you must tell the merchant before completing the transaction. Any transaction attempted for more than the amount available on the Card will be declined. Therefore, you must know the amount available on your Card and inform the merchant to process the transaction in During that amount. You must pay the difference with another form of payment. If you are given value through the use of the Card greater than the balance remainingperiod, you will pay us on demand not have access to the amount by which your transactions exceeded funds subject to the balance remaining on the Card. For PIN based purchases you may obtain a PIN or Personal Identification Number by calling (000) 000-0000 Gift Card Fees and Charges • Card Service/Enrollment Fee: $3.95 • Card Replacement Fee for a lost, stolen, or damaged Card: $10.00 • There are no fees associated with the use of the Card when purchasing goods and services nor are there any inactivity or non-use fees/chargeshold.

Using Your Card. Before using You may use your 360FCU Visa Gift Card to make purchases at any merchant that accepts Mastercard debit cards or debit cards of Interlink or other networks in which the Bank participates (each a "Network"), subject to the Available Funds in your Account, the transaction limits described below, and the other terms and conditions of this Agreement. You acknowledge and agree that the value available to you for use with the Card is limited to the Available Funds in your Account. So long as you do not exceed the Available Funds in your Account, you may use the Card to purchase goods or services wherever the Card is honored, and to obtain cash by initiating cash withdrawal transactions through the Card from any financial institution or ATM that accepts the Card. Each time you use the Card, you need authorize Robinhood to activate reduce the Available Funds in your Account by the amount of the purchase or withdrawal and register any applicable fees, costs, or holdings. Please see your Customer Agreement for information about how Available Funds are calculated. In some circumstances, margin credit may be included in Available Funds. Nevertheless, if you exceed the Available Funds in your Account you shall remain fully liable to Robinhood and the Bank for the amount of the transactions and any applicable fees and charges. If you do not have enough Available Funds in your Account to cover a given transaction, you can instruct the merchant to charge a part of the purchase to the Card on and pay the Gift Card websiteremaining amount using another payment method. These are called "split transactions." Some merchants do not allow cardholders to conduct split transactions. Nevertheless, which can if a transaction exceeds the amount of Available Funds in your Account or causes you to have a negative balance in your Account, you will be accessed at xxx.000xxx.xxx or xxxxx://xxxxxxxxxxxxxxxxx.xxxxxx.xxx or by calling (000) 000-0000, check fully liable to Robinhood and the Bank for the full amount of the transaction and any applicable fees. You must sign When making purchases with your Card at any point-of-sale ("POS") device other than through a Digital Wallet provider, you may select "CREDIT" on the back before you can use the Cardkeypad to make a signature purchase. You should also write down may not use your Card for any online gambling, escort services or any illegal transaction. We may temporarily suspend – “freeze” – your Card and try to contact you if we notice transactions that are unusual or appear suspicious or for any other reason. You are required to notify us immediately by sending us an email at xxxx@xxxxxxxxx.xxx if you believe the card number as well as the Customer Service Number on a separate piece of paper in case the card Card is ever lost or stolen. Please read this entire Terms and Conditions of which a copy can also be accessed at xxx.000xxx.xxx under Visa then Visa Gift and Reloadable Debit Cards. These Terms and Conditions may change as required by law. You will be deemed to have accepted the Full Card terms of this Agreement if Merchant Holds on Available Funds: When you do any of the following: (a) use the your Card or (b) activate Card number to initiate a transaction at certain merchant locations, websites or mobile applications, such as hotels, restaurants, gas stations, and rental car companies, where the Card. Please sign final purchase amount is unknown at the back time of your Non-Reloadable Prepaid Card immediately upon receipt. Your 360FCU Visa Gift Card is issued by 360FCU and authorization, a hold may be used for purchases at most merchants where Visa Debit is accepted. The Card may not be used for recurring payments, non-financial money exchange establishment, gambling establishments; and some merchants such as airlines, hotels, rental car agencies or “pay at placed on the pump” gasoline. (You may purchase gas by presenting the card to the attendant). Some merchants, like restaurants, may attempt to submit authorizations against the Card Available Funds in your Account for an amount greater than equal to or in excess of the actual purchase final transaction amount. If a The funds subject to the hold will not be available to you for any other purpose until the merchant attempts an authorization greater than sends the balance remaining on Bank the final transaction amount, although the hold will not affect your gift Cardday trade buying power. Once the Bank receives the final transaction amount, it may be declined. This 360FCU Visa Gift Card is not a credit Card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only take up to seven (7) days or more for the amount left on the Cardhold to be removed. Purchases will be deducted from your 360FCU Visa Gift Card until the value reaches zero. If a transaction initiated by you exceeds the remaining balance on the Card, you must tell the merchant before completing the transaction. Any transaction attempted for more than the amount available on the Card will be declined. Therefore, you must know the amount available on your Card and inform the merchant to process the transaction in During that amount. You must pay the difference with another form of payment. If you are given value through the use of the Card greater than the balance remainingperiod, you will pay us on demand not have access to the amount by which your transactions exceeded funds subject to the balance remaining on the Card. For PIN based purchases you may obtain a PIN or Personal Identification Number by calling (000) 000-0000 Gift Card Fees and Charges • Card Service/Enrollment Fee: $3.95 • Card Replacement Fee for a lost, stolen, or damaged Card: $10.00 • There are no fees associated with the use of the Card when purchasing goods and services nor are there any inactivity or non-use fees/chargeshold.

Using Your Card. Before using your 360FCU Visa Gift Card, you need The Card allows convenient and secure electronic access to activate and register the Card on the Gift Card website, which can be accessed at xxx.000xxx.xxx or xxxxx://xxxxxxxxxxxxxxxxx.xxxxxx.xxx or by calling (000) 000-0000, check applicable feesprepaid funds. You must sign the back before you can use the CardCardto make purchases wherever Visa cards are accepted in the United States. You should also write down the card number as well as the Customer Service Number on a separate piece of paper in case the card is ever lost or stolen. Please read this entire Terms and Conditions of which a copy can also be accessed at xxx.000xxx.xxx under Visa then Visa Gift and Reloadable Debit Cards. These Terms and Conditions may change as required by law. You will be deemed to have accepted the Full Card terms of this Agreement if you do any of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Non-Reloadable Prepaid Card immediately upon receipt. Your 360FCU Visa Gift Card is issued by 360FCU and may be used for purchases at most merchants where Visa Debit is accepted. The Card may not be used for recurring payments, non-financial money exchange establishment, gambling establishments; and some merchants such as airlines, hotels, rental car agencies or “pay at the pump” gasoline. (You may purchase gas by presenting the card Purchases up to the attendant). Some merchants, like restaurants, may attempt to submit authorizations against the Card for an amount greater than the actual purchase amount. If a merchant attempts an authorization greater than the balance remaining on your gift Card, it may be declined. This 360FCU Visa Gift Card is not a credit Card and may not be reloaded. You may only use it when there is a balance remaining stored value on the Card and only up to the amount left on the Cardmay be made. Purchases will be deducted from your 360FCU Visa Gift Card until the value reaches zero. (For certain exceptions see SectionI above.) If a transaction initiated by you or anauthorized user exceeds the remaining balance on the Card, you must tell the merchant before completing beforecompleting the transaction. Any transaction attempted for more than the amount available on the Card will be declinedbedeclined. Therefore, you must youmust know the amount available on theamount availableon your Card and inform the merchant to process the transaction in that amount. You must pay the difference with another form of payment. The Card may not be used for any illegal activity. You agree not to use the Card for Internet gambling, whether or not Internet gambling is illegal in the jurisdiction in which you are located. Display of a payment card logoby anonline merchant does not mean that Internet gambling transactions are legal in the jurisdiction in which you are located. Youare liable for transactions you initiate by the use of the Card, whether deemed legal or illegal. Your use of the Card to purchase goods and servicesfrom merchants constitutes a simultaneous demand against and withdrawal from the stored value on the Card. You may use the Card only in the manner and for the purposes authorized by this Agreement. You do not have the right to stop payment on a transaction originated with the Card. You are responsible for all authorized transactions initiated by use of the Card. If you have a problem with a purchase that you made with the Card, or if youhave adispute with the merchant. youmust deal directly with the merchant involved. If you are entitled to a refund, it is the merchant's own policyon refunds and returns that governs these transactions. Refunds could take the form of a credit to your Card, cash or an in-store credit. ADDITIONAL VALUE CANNOT BE ADDED TO THIS CARD. After the amount available on your Card has been exhausted, all attempted transactions will be declined. Youagreenot to make transactions that exceed the value on your Card. In any case if you are given value through the use of the Card greater than the balance remainingremaining balance, you will must pay us on demand the amount by which your transactions that exceeded the stored balance remaining on the Card plus any fees that apply. You are responsible for all authorized transactions initiated by use of your Card. For PIN based purchases If you may obtain a PIN permit someone else to use your Card, we will treat this as if you authorized the person to use your Card and you willbe responsible for any transactions initiated by such personwith your Card even if the amount of the transaction or Personal Identification Number number of transactions exceeds what you authorize. Funds available on this Card are non-transferable. Preauthorized or recurring payments by calling (000) 000-0000 Gift Card Fees and Charges • Card Service/Enrollment Fee: $3.95 • Card Replacement Fee for a lost, stolen, or damaged Card: $10.00 • There are no fees associated with the use of the Card when purchasing goods are prohibited and services nor are there any inactivity you agree not to use the Card for that purpose. NoATMaccess is allowed on this card. Ill.Your Liability foralostor Stolen Cardor Unauthorized Transactions Contact us immediately if you believe the Card has been lost or nonstolen, or that someone has accessed or may access money from the Card without your permission. Call our processor toll-free at l- 866-360-2B42,24 hours a day, 7 days a week. Telephoning is the best way to keep your possible losses down. Youwillnotbeliable for lost valueon the Card if you satisfy the following conditions: • You have immediately called us and reported the Card lost or stolen,which allows us to status the Card. • You have signed the Card on its reverse side in permanent ink. • Youinform us of the Card number and the approximate date of your last authorized use. • Youhave not reported two or more incidents of unauthorized use fees/chargesto us in the preceding 12-month period. • You report all facts of the loss or theft to us and you cooperate in our investigation.

Using Your Card. Before using How You Can Use Your Card – Limits You can use your 360FCU Visa Gift Card to complete Transactions at merchants that accept Network-branded debit cards (including internet, mail and phone order purchases). See the Supplemental Terms for other ways that you can use your Card, and how Loads can be made to your Card. There are limits on the dollar amount and number of Transactions you can make. These limits are described in the Supplemental Terms. Use of the Card by Others If you provide your Card to another person, you are responsible for that person’s use of your Card even if that person uses the Card for Transactions that you did not intend. In order to terminate the other person’s authority to use the Card, you need to activate and register must either get the Card on the Gift Card website, which can be accessed at xxx.000xxx.xxx back or xxxxx://xxxxxxxxxxxxxxxxx.xxxxxx.xxx or by calling (000) 000-0000, check applicable fees. You must sign the back before you can use call us to deactivate the Card. You should also write down the card number as well as the Customer Service Number on a separate piece of paper in case the card is ever lost or stolen. Please read this entire Terms and Conditions of which a copy can also be accessed at xxx.000xxx.xxx under Visa then Visa Gift and Reloadable Debit Cards. These Terms and Conditions may change as required by law. You will be deemed to have accepted the Full Card terms of this Agreement if you do any Reissuance of the following: Card may incur fees as described in the Fee List. Authorization Holds When you use your Card to pay for goods or services, certain merchants (asuch as restaurants and hotels) use may ask us to authorize the Card transaction in advance and may estimate its final value up to twenty (20%) more to cover any tip or gratuity that you may add to the purchase. If this occurs and your total xxxx, after adding in the additional 20% (b) activate or more), exceeds the amount available on the Card. Please sign the back of , your Non-Reloadable Prepaid Card immediately upon receipt. Your 360FCU Visa Gift Card is issued by 360FCU and may be used for purchases at most merchants where Visa Debit is accepted. The Card may not be used for recurring payments, non-financial money exchange establishment, gambling establishments; and some merchants such as airlines, hotels, rental car agencies or “pay at the pump” gasoline. (You may purchase gas by presenting the card to the attendant). Some merchants, like restaurants, may attempt to submit authorizations against the Card for an amount greater than the actual purchase amount. If a merchant attempts an authorization greater than the balance remaining on your gift Card, it transactions may be declined. This 360FCU Visa Gift Accordingly, you should ensure that the Card has an available balance that is 20% (or more) greater than your total xxxx prior to using the Card for these types of purchases. 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 your Card’s funds for the amount indicated by the merchant (which may be more than the final settled transaction amount). We also may add an amount for certain merchants to ensure that sufficient funds will be available to cover the final transaction. Transactions at certain merchants that authorize high dollar amounts, especially rental car companies and hotels, may cause an “authorization” or “hold” on your available balance for up to thirty (30) days. Until the transaction finally settles or we determine that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. We will only charge your Card for the correct amount of the final transaction, however, and will release the hold on any excess amount when the transaction finally settles. Your Card is a Network-branded prepaid card that lets you purchase goods and services from merchants that accept debit cards in the Network. You can also use your Card for the Transactions described in the Supplemental Terms. Your Card is not a credit Card card, and may not provide the same rights to you as those available in credit card transactions. It can be reloadedused only for the amount of the Load. ACH: the Automated Clearing House system Agreement: this Prepaid Card Agreement, together with the Supplemental Terms and the Fee List ATM: an automated teller machine where you may be allowed to use your Card if disclosed in the Supplemental Terms Business days: For purposes of this Agreement, our business days are Monday through Friday, excluding national holidays - Saturday, Sunday, and federal holidays are not considered business days, even if we are open. Card: the Prepaid Card provided to you Card carrier: The documents about your card that the Card is affixed to Fee list: the list of fees that apply to your Card, provided on the back of the Card carrier Load: any time that money is added to your Card Network: The Network Association (Mastercard or Visa), whichever appears on your Card PIN: A PIN is a four-digit code that may be used to make purchase transactions instead of signing for your transaction Sponsor: the organization that requested that we issue your Card, and that may Load the Card for your use Supplemental terms: additional terms that are part of this Agreement, provided on the back of the Card carrier Transaction: any time you use your Card to access the money on it we, us, and our: Sunrise Banks N.A., of Saint Xxxx, Minnesota, the issuer of the Card, our successors, affiliates or assignees you, your and yours: the person who is issued, or accepts, activates, or registers a Card and any Authorized User of the Card Receipts and Other Card Information You can get a receipt at the time you make any Transaction using your Card at a merchant or an ATM (if your Card allows this feature). A receipt may not be provided for certain small-ticket Transactions. You may only use it when there is a balance obtain information about the amount of money you have remaining on your Card by calling us. This information, along with a 60-day history of Card Transactions and Loads is also available online at our website. You also have the right to obtain a 60-day written history of Card Transactions and only up Loads by calling us or writing to the amount left on the Card. Purchases will be deducted from your 360FCU Visa Gift Card until the value reaches zerous. If a transaction initiated by you exceeds have arranged to have direct deposits or are expecting loads made to your Card at least once every 60 days from the remaining balance on the Cardsame person or company, you must tell can call us or visit our website to find out whether or not the merchant before completing deposit has been made. Our website, telephone number and address are printed in the transactionSupplemental Terms. Any transaction attempted for more than Fees You agree to pay all fees set forth in the amount available on Fee List. We can collect all fees by deducting them from the Card will be declined. Therefore, you must know the amount available money on your Card and inform from any Loads. We can change the merchant fees, as described below under “Changes to process this Agreement.” Transactions Made in Foreign Currencies Transactions made in currencies other than U.S. dollars will be converted to U.S. dollars under the transaction rules of the Network at the time of the Transaction. Currently those rules provide that the conversion rate may be either a wholesale market rate or government-mandated rate in effect the day the Network processes the Transaction. The currency conversation rate in effect on the processing date may be different from the rate in effect on the Transaction date or the posting date. We will also add a Foreign Currency Conversion Fee on all Transactions made in currencies other than U.S. dollars. The Foreign Currency Conversion Fee will be equal to a percentage amount of each foreign currency Transaction, as set forth in the Fee List. No Interest Paid We do not pay any interest on the money Loaded on your Card (the interest rate and the Annual Percentage Yield are 0%). Recurring Payments Because your Card can be used only for the amount that amount. You must pay the difference with another form of paymentis Loaded to it, we recommend that you do not use your Card for recurring payments. If you are given value through do, please be sure that you have sufficient money on your Card for each payment. Otherwise, your payments will be rejected, and your Card may be terminated or suspended. If a Transaction Exceeds the use Amount of Money on Your Card You should expect that any Transaction that exceeds the amount of money on your Card should be rejected. A fee may apply to a Transaction that is rejected, if disclosed in the Fee List. If a merchant completes a Transaction that results in a negative balance on your Card, you agree to immediately pay us the amount of the Card greater than negative balance. If you do not make the balance remainingrequired payment, you will pay us on demand we have the amount by which right to initiate collection proceedings against you, report your transactions exceeded the balance remaining failure to consumer reporting agencies and take other remedies. See Termination and Other Remedies. Expiration There is an expiration date printed on the front of your Date Card. For PIN based purchases you You may obtain a PIN or Personal Identification Number by calling (000) 000-0000 Gift not use your Card Fees and Charges • Card Service/Enrollment Fee: $3.95 • Card Replacement Fee for a lost, stolen, or damaged Card: $10.00 • There are no fees associated with after the use of expiration date. The Supplemental Terms provide information about what happens after the Card when purchasing goods and services nor are there any inactivity or non-use fees/chargesexpiration date.

Using Your Card. Before using your 360FCU Visa Gift Card, you need to activate and register the Card on the Gift Card website, which Features The maximum amount that can be accessed at xxx.000xxx.xxx or xxxxx://xxxxxxxxxxxxxxxxx.xxxxxx.xxx or by calling (000) 000-0000, check applicable feesspent on your Card per day is $5,000.00. The maximum value of your Card is restricted to $50,000.00. You must sign the back before you can may use the Card. You should also write down the card number your Card to purchase or lease goods or services everywhere Debit MasterCard, Maestro cards, or Pulse cards are accepted as well long as the Customer Service Number on a separate piece of paper in case the card is ever lost or stolen. Please read this entire Terms and Conditions of which a copy can also be accessed at xxx.000xxx.xxx under Visa then Visa Gift and Reloadable Debit Cards. These Terms and Conditions may change as required by law. You will be deemed to have accepted the Full Card terms of this Agreement if you do any of not exceed the following: (a) value available on your Card Account. Some merchants do not allow cardholders to conduct split transactions where you would use the Card or (b) activate as partial payment for goods and services and pay the Card. Please sign remainder of the back balance with another form of your Non-Reloadable Prepaid Card immediately upon receipt. Your 360FCU Visa Gift Card is issued by 360FCU and may be used for purchases at most merchants where Visa Debit is accepted. The Card may not be used for recurring payments, non-financial money exchange establishment, gambling establishments; and some merchants such as airlines, hotels, rental car agencies or “pay at the pump” gasoline. (You may purchase gas by presenting the card to the attendant). Some merchants, like restaurants, may attempt to submit authorizations against the Card for an amount greater than the actual purchase amountlegal tender. If you wish to conduct a merchant attempts an authorization greater than split transaction and it is permitted by the balance remaining on your gift Card, it may be declined. This 360FCU Visa Gift Card is not a credit Card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only up to the amount left on the Card. Purchases will be deducted from your 360FCU Visa Gift Card until the value reaches zero. If a transaction initiated by you exceeds the remaining balance on the Cardmerchant, you must tell the merchant before completing to charge only the transaction. Any transaction attempted for more than the exact amount of funds available on the Card will 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. ThereforeIf you use your Card at an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $100.00 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 seven (7) days for the hold to be removed. During the hold period, you must know will not have access to the preauthorized amount. 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 redeemed for cash. You may not use your Card for online gambling or any illegal transaction. Each time you use your Card, 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 and inform Card, you shall remain fully liable to us for the merchant to process amount of the transaction in that amountand any applicable fees. You must pay do not have the difference with another form right to stop payment on any purchase or payment transaction originated by use of paymentyour Card. You may not make preauthorized regular payments from your Card Account. If you are given value through authorize a transaction and then fail to make a purchase of that item as planned, the use approval may result in a hold for that amount of the Card greater than the balance remaining, you will pay us on demand the funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount by which your transactions exceeded the balance remaining on the Card. For PIN based purchases you may obtain a PIN or Personal Identification Number by calling of funds for up to sixty (00060) 000-0000 Gift Card Fees and Charges • Card Service/Enrollment Fee: $3.95 • Card Replacement Fee for a lost, stolen, or damaged Card: $10.00 • There are no fees associated with the use of the Card when purchasing goods and services nor are there any inactivity or non-use fees/chargesdays.

Using Your Card. Before using How You Can Use Your Card – Limits You can use your 360FCU Visa Gift Card to complete Transactions at merchants that accept Network-branded debit cards (including internet, mail and phone order purchases). See the Supplemental Terms for other ways that you can use your Card, and how Loads can be made to your Card. There are limits on the dollar amount and number of Transactions you can make. These limits are described in the Supplemental Terms. Use of the Card by Others If you provide your Card to another person, you are responsible for that person’s use of your Card even if that person uses the Card for Transactions that you did not intend. In order to terminate the other person’s authority to use the Card, you need to activate and register must either get the Card on the Gift Card website, which can be accessed at xxx.000xxx.xxx back or xxxxx://xxxxxxxxxxxxxxxxx.xxxxxx.xxx or by calling (000) 000-0000, check applicable fees. You must sign the back before you can use call us to deactivate the Card. You should also write down the card number as well as the Customer Service Number on a separate piece of paper in case the card is ever lost or stolen. Please read this entire Terms and Conditions of which a copy can also be accessed at xxx.000xxx.xxx under Visa then Visa Gift and Reloadable Debit Cards. These Terms and Conditions may change as required by law. You will be deemed to have accepted the Full Card terms of this Agreement if you do any Reissuance of the following: Card may incur fees as described in the Fee List. Authorization Holds When you use your Card to pay for goods or services, certain merchants (asuch as restaurants and hotels) use may ask us to authorize the Card transaction in advance and may estimate its final value up to twenty (20%) more to cover any tip or gratuity that you may add to the purchase. If this occurs and your total bill, after adding in the additional 20% (b) activate or more), exceeds the amount available on the Card. Please sign the back of , your Non-Reloadable Prepaid Card immediately upon receipt. Your 360FCU Visa Gift Card is issued by 360FCU and may be used for purchases at most merchants where Visa Debit is accepted. The Card may not be used for recurring payments, non-financial money exchange establishment, gambling establishments; and some merchants such as airlines, hotels, rental car agencies or “pay at the pump” gasoline. (You may purchase gas by presenting the card to the attendant). Some merchants, like restaurants, may attempt to submit authorizations against the Card for an amount greater than the actual purchase amount. If a merchant attempts an authorization greater than the balance remaining on your gift Card, it transactions may be declined. This 360FCU Visa Gift Accordingly, you should ensure that the Card has an available balance that is 20% (or more) greater than your total bill prior to using the Card for these types of purchases. 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 your Card’s funds for the amount indicated by the merchant (which may be more than the final settled transaction amount). We also may add an amount for certain merchants to ensure that sufficient funds will be available to cover the final transaction. Transactions at certain merchants that authorize high dollar amounts, especially rental car companies and hotels, may cause an “authorization” or “hold” on your available balance for up to thirty (30) days. Until the transaction finally settles or we determine that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. We will only charge your Card for the correct amount of the final transaction, however, and will release the hold on any excess amount when the transaction finally settles. Your Card is a Network-branded prepaid card that lets you purchase goods and services from merchants that accept debit cards in the Network. You can also use your Card for the Transactions described in the Supplemental Terms. Your Card is not a credit Card card, and may not provide the same rights to you as those available in credit card transactions. It can be reloadedused only for the amount of the Load. ACH: the Automated Clearing House system Agreement: this Prepaid Card Agreement, together with the Supplemental Terms and the Fee List ATM: an automated teller machine where you may be allowed to use your Card if disclosed in the Supplemental Terms Business days: For purposes of this Agreement, our business days are Monday through Friday, excluding national holidays - Saturday, Sunday, and federal holidays are not considered business days, even if we are open. Card: the Prepaid Card provided to you Card carrier: The documents about your card that the Card is affixed to Fee list: the list of fees that apply to your Card, provided on the back of the Card carrier Load: any time that money is added to your Card Network: The Network Association (Mastercard or Visa), whichever appears on your Card PIN: A PIN is a four-digit code that may be used to make purchase transactions instead of signing for your transaction Sponsor: the organization that requested that we issue your Card, and that may Load the Card for your use Supplemental terms: additional terms that are part of this Agreement, provided on the back of the Card carrier Transaction: any time you use your Card to access the money on it we, us, and our: Sunrise Banks N.A., of Saint Xxxx, Minnesota, the issuer of the Card, our successors, affiliates or assignees you, your and yours: the person who is issued, or accepts, activates, or registers a Card and any Authorized User of the Card Receipts and Other Card Information You can get a receipt at the time you make any Transaction using your Card at a merchant or an ATM (if your Card allows this feature). A receipt may not be provided for certain small-ticket Transactions. You may only use it when there is a balance obtain information about the amount of money you have remaining on your Card by calling us. This information, along with a 60-day history of Card Transactions and Loads is also available online at our website. You also have the right to obtain a 60-day written history of Card Transactions and only up Loads by calling us or writing to the amount left on the Card. Purchases will be deducted from your 360FCU Visa Gift Card until the value reaches zerous. If a transaction initiated by you exceeds have arranged to have direct deposits or are expecting loads made to your Card at least once every 60 days from the remaining balance on the Cardsame person or company, you must tell can call us or visit our website to find out whether or not the merchant before completing deposit has been made. Our website, telephone number and address are printed in the transactionSupplemental Terms. Any transaction attempted for more than Fees You agree to pay all fees set forth in the amount available on Fee List. We can collect all fees by deducting them from the Card will be declined. Therefore, you must know the amount available money on your Card and inform from any Loads. We can change the merchant fees, as described below under “Changes to process this Agreement.” Transactions Made in Foreign Currencies Transactions made in currencies other than U.S. dollars will be converted to U.S. dollars under the transaction rules of the Network at the time of the Transaction. Currently those rules provide that the conversion rate may be either a wholesale market rate or government-mandated rate in effect the day the Network processes the Transaction. The currency conversation rate in effect on the processing date may be different from the rate in effect on the Transaction date or the posting date. We will also add a Foreign Currency Conversion Fee on all Transactions made in currencies other than U.S. dollars. The Foreign Currency Conversion Fee will be equal to a percentage amount of each foreign currency Transaction, as set forth in the Fee List. No Interest Paid We do not pay any interest on the money Loaded on your Card (the interest rate and the Annual Percentage Yield are 0%). Recurring Payments Because your Card can be used only for the amount that amount. You must pay the difference with another form of paymentis Loaded to it, we recommend that you do not use your Card for recurring payments. If you are given value through do, please be sure that you have sufficient money on your Card for each payment. Otherwise, your payments will be rejected, and your Card may be terminated or suspended. If a Transaction Exceeds the use Amount of Money on Your Card You should expect that any Transaction that exceeds the amount of money on your Card should be rejected. A fee may apply to a Transaction that is rejected, if disclosed in the Fee List. If a merchant completes a Transaction that results in a negative balance on your Card, you agree to immediately pay us the amount of the Card greater than negative balance. If you do not make the balance remainingrequired payment, you will pay us on demand we have the amount by which right to initiate collection proceedings against you, report your transactions exceeded the balance remaining failure to consumer reporting agencies and take other remedies. See Termination and Other Remedies. Expiration There is an expiration date printed on the front of your Date Card. For PIN based purchases you You may obtain a PIN or Personal Identification Number by calling (000) 000-0000 Gift not use your Card Fees and Charges • Card Service/Enrollment Fee: $3.95 • Card Replacement Fee for a lost, stolen, or damaged Card: $10.00 • There are no fees associated with after the use of expiration date. The Supplemental Terms provide information about what happens after the Card when purchasing goods and services nor are there any inactivity or non-use fees/chargesexpiration date.

Using Your Card. Before using You may use your 360FCU Visa Gift Card to: access cash at ATMs displaying MasterCard, Maestro, STAR or Cirrus brand, and pay for goods and services anywhere MasterCard® debit cards are accepted. You may use your Card to purchase or lease goods or services wherever the Card is honored as long as you do not exceed the value available on your Card. You are personally responsible for all transactions initiated and fees incurred by use of your Card. If you permit someone else to use your Card we will treat this as if you have authorized such use and you will be responsible for any transactions made subject to such use. If you do not have enough value loaded on your Card you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are called “split transactions”. Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to conduct a split transaction if you pay the remaining amount in cash. If you use your Card number without presenting your Card (such as for a mail order or telephone purchase), the legal effect will be the same as if you used the Card itself. Your Card cannot be redeemed for cash. You may not use your Card for any illegal transactions, nor may you use your Card at casinos, or for gambling activity. You should keep track of the amount of value loaded on Cards issued to you. You may view the amount of value remaining on your Card by logging into your Card Account at xxx.xxxxxxx.xxxxxxxxxxx.xxx at any time or by calling us at the Service number shown on your Card and listed below at any time to obtain the current value on your card. To reach us to obtain balances or usage information associated with your Card call toll-free 000-000-0000. Each time you use your Card, you need authorize us to activate reduce the value available on your Card by the amount of the transaction and register the Card on the Gift Card website, which can be accessed at xxx.000xxx.xxx or xxxxx://xxxxxxxxxxxxxxxxx.xxxxxx.xxx or by calling (000) 000-0000, check any applicable fees. You must sign are not allowed to exceed the back before you can use available amount on your Card through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the Card. You should also write down the card number as well as the Customer Service Number on a separate piece of paper in case the card is ever lost or stolen. Please read this entire Terms and Conditions of which a copy can also be accessed at xxx.000xxx.xxx under Visa then Visa Gift and Reloadable Debit Cards. These Terms and Conditions may change as required by law. You will be deemed to have accepted the Full Card terms of this Agreement if you do any balance of the following: (a) use the Card or (b) activate the Card. Please sign the back of your Non-Reloadable Prepaid Card immediately upon receipt. Your 360FCU Visa Gift Card is issued by 360FCU and may be used for purchases at most merchants where Visa Debit is accepted. The Card may not be used for recurring payments, non-financial money exchange establishment, gambling establishments; and some merchants such as airlines, hotels, rental car agencies or “pay at the pump” gasoline. (You may purchase gas by presenting the card to the attendant). Some merchants, like restaurants, may attempt to submit authorizations against the Card for an amount greater than the actual purchase amount. If a merchant attempts an authorization greater than the balance remaining on your gift Card, it may be declined. This 360FCU Visa Gift Card is not a credit Card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only up to the amount left on the Card. Purchases will be deducted from your 360FCU Visa Gift Card until the value reaches zero. If a transaction initiated by you exceeds the remaining balance on the Card, you must tell the merchant before completing the transaction. Any transaction attempted for more than the amount available on the Card will be declined. Therefore, you must know the amount funds available on your Card and inform (creating a “shortage”) you shall remain fully liable to us for the merchant to process amount of the transaction in that amountand any applicable fees or charges. You must pay the difference with another form of payment. If you are given value through the use of the Card greater than the balance remaining, you will agree to pay us on demand promptly for the amount by which shortage and any applicable shortage fees. We also reserve the right to cancel this Card should you create a shortage with your transactions exceeded the balance remaining on the Card. For PIN based purchases you may obtain a PIN or Personal Identification Number by calling (000) 000-0000 Gift Card Fees and Charges • Card Service/Enrollment Fee: $3.95 • Card Replacement Fee for a lost, stolen, or damaged Card: $10.00 • There are no fees associated with the use of the Card when purchasing goods and services nor are there any inactivity or non-use fees/charges.