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Privacy Policy + Cardholder Agreement

TrustFund​​ Mastercard​​ Prepaid​​ Card​​ Cardholder​​ Agreement

IMPORTANT​​ –​​ PLEASE​​ READ​​ CAREFULLY

  • ​​ Terms​​ and​​ Conditions​​ for​​ the​​ TrustFund​​ Mastercard®​​ Prepaid​​ Card. ​​​​ This​​ document​​ constitutes​​ the​​ agreement​​ (“Agreement”)​​ outlining​​ the​​ terms​​ and​​ conditions​​ under​​ which​​ the​​ TrustFund​​ Mastercard®​​ Prepaid​​ Card​​ has​​ been​​ issued​​ to​​ you​​ by​​ Axiom​​ Bank,​​ N.A.​​ (Member​​ FDIC)​​ pursuant​​ to​​ a​​ license​​ from​​ Mastercard.​​ By​​ accepting​​ and/or​​ using​​ this​​ Card,​​ you​​ agree​​ to​​ be​​ bound​​ by​​ the​​ terms​​ and​​ conditions​​ contained​​ in​​ this​​ Agreement.​​ The​​ Program​​ Manager​​ for​​ the​​ Trustfund​​ Mastercard®​​ Prepaid​​ Card​​ is​​ QRails​​ Inc.​​ and​​ the​​ Customer​​ Service​​ telephone​​ number​​ is​​ 1-877-440-2889​​ or​​ see​​ the​​ toll-free​​ telephone​​ number​​ on​​ the​​ back​​ of​​ your​​ Card.​​ ​​ In​​ this​​ Agreement,​​ "Card"​​ means​​ the​​ TrustFund​​ Mastercard®​​ Prepaid​​ Card​​ issued​​ to​​ you​​ by​​ Axiom​​ Bank,​​ N.A. ​​​​ “Card​​ Account”​​ means​​ the​​ records​​ we​​ maintain​​ to​​ account​​ for​​ the​​ value​​ of​​ transactions​​ associated​​ with​​ the​​ Card.​​ "You"​​ and​​ "your"​​ means​​ the​​ person​​ or​​ persons​​ who​​ have​​ received​​ the​​ Card​​ and​​ who​​ are​​ authorized​​ to​​ use​​ the​​ Card​​ as​​ provided​​ for​​ in​​ this​​ Agreement.​​ "We,"​​ "us,"​​ and​​ "our"​​ mean​​ TrustFund​​ as​​ your​​ Program​​ Manager​​ and​​ “Bank”​​ means​​ Axiom​​ Bank,​​ N.A.,​​ our​​ successors,​​ affiliates​​ or​​ assignees.​​ The​​ Card​​ will​​ remain​​ the​​ property​​ of​​ Axiom​​ Bank,​​ N.A.,​​ and​​ must​​ be​​ surrendered​​ upon​​ demand.​​ The​​ Card​​ is​​ nontransferable,​​ and​​ it​​ may​​ be​​ canceled,​​ repossessed,​​ or​​ revoked​​ at​​ any​​ time​​ without​​ prior​​ notice​​ subject​​ to​​ applicable​​ law.​​ Please​​ read​​ this​​ Agreement​​ carefully​​ and​​ keep​​ it​​ for​​ future​​ reference.​​ 

 

To​​ help​​ the​​ government​​ fight​​ the​​ funding​​ of​​ terrorism​​ and​​ money​​ laundering​​ activities,​​ federal​​ law​​ requires​​ all​​ financial​​ institutions​​ and​​ their​​ third​​ parties​​ to​​ obtain,​​ verify,​​ and​​ record​​ information​​ that​​ identifies​​ each​​ person​​ who​​ obtains​​ a​​ Card.​​ What​​ this​​ means​​ for​​ you:​​ When​​ you​​ apply​​ for​​ a​​ Card,​​ we​​ will​​ ask​​ for​​ your​​ name,​​ address,​​ date​​ of​​ birth,​​ social​​ security​​ number​​ or​​ country​​ identification​​ number,​​ and​​ other​​ information​​ that​​ will​​ allow​​ us​​ to​​ identify​​ you.​​ We​​ also​​ may​​ ask​​ to​​ see​​ your​​ driver's​​ license​​ or​​ other​​ documentation​​ bearing​​ your​​ photo​​ as​​ verification​​ of​​ your​​ identity.​​ By​​ participating​​ in​​ the​​ Card​​ program,​​ you​​ warrant​​ factual​​ representation​​ of​​ the​​ required​​ information​​ is​​ accurate,​​ including,​​ but​​ not​​ limited​​ to,​​ your​​ real​​ name,​​ valid​​ U.S.​​ mailing​​ address​​ and​​ residential​​ address​​ (if​​ different),​​ social​​ security​​ number​​ or​​ other​​ identification​​ documentation,​​ date​​ of​​ birth,​​ and​​ telephone​​ number.​​ If​​ you​​ falsify,​​ misrepresent,​​ or​​ fail​​ to​​ provide​​ requested​​ information,​​ we​​ may​​ cancel​​ your​​ Card.​​ In​​ addition,​​ funds​​ tied​​ to​​ suspected​​ illicit​​ or​​ illegal​​ activity​​ may​​ be​​ subject​​ to​​ both​​ internal​​ and​​ potentially​​ federal​​ investigation. ​​​​ We​​ reserve​​ the​​ right​​ to​​ restrict​​ or​​ delay​​ your​​ access​​ to​​ any​​ such​​ funds.

  • ​​ Your​​ Card. ​​​​ The​​ Card​​ is​​ a​​ prepaid​​ card.​​ The​​ Card​​ allows​​ you​​ to​​ access​​ funds​​ loaded​​ or​​ deposited​​ to​​ your​​ Card​​ Account​​ by​​ you​​ or​​ on​​ your​​ behalf. ​​​​ The​​ funds​​ in​​ your​​ Card​​ Account​​ will​​ be​​ FDIC-insured​​ once​​ we​​ have​​ been​​ able​​ to​​ verify​​ your​​ identity. ​​​​ You​​ may​​ access​​ the​​ funds​​ in​​ your​​ Card​​ Account​​ by​​ using​​ your​​ Card,​​ Card​​ Number,​​ or​​ by​​ automated​​ clearinghouse​​ (ACH)​​ debit​​ using​​ your​​ Account​​ Number.​​ The​​ Card​​ is​​ not​​ a​​ credit​​ card. ​​​​ The​​ Card​​ is​​ not​​ a​​ gift​​ card,​​ nor​​ is​​ it​​ intended​​ for​​ gifting​​ purposes.​​ You​​ will​​ not​​ receive​​ any​​ interest​​ on​​ your​​ funds​​ on​​ the​​ Card. ​​​​ The​​ funds​​ in​​ your​​ Card​​ Account​​ will​​ not​​ expire,​​ regardless​​ of​​ the​​ expiration​​ date​​ on​​ the​​ front​​ of​​ your​​ Card.​​ However,​​ an​​ Inactivity​​ Fee​​ may​​ apply​​ after​​ 6​​ months​​ of​​ non-activity,​​ refer​​ to​​ “Schedule​​ of​​ Fees​​ and​​ Charges”​​ for​​ fee​​ details.

    • ​​ Unclaimed​​ Property. ​​​​ If​​ your​​ Card​​ becomes​​ inactive,​​ we​​ may​​ be​​ legally​​ obligated​​ to​​ report​​ the​​ balance​​ of​​ your​​ Account​​ as​​ unclaimed​​ property​​ and​​ forward​​ the​​ unclaimed​​ funds​​ to​​ the​​ state​​ designated​​ in​​ accordance​​ with​​ Applicable​​ Law.​​ The​​ specific​​ period​​ of​​ time​​ to​​ report​​ and​​ send​​ funds​​ in​​ an​​ inactive​​ Account​​ varies​​ by​​ state​​ but​​ usually​​ ranges​​ between​​ three​​ (3)​​ and​​ five​​ (5)​​ years.

 

  •  ​​​​ Fees: ​​​​ The​​ fees​​ relating​​ to​​ the​​ use​​ (and​​ misuse)​​ of​​ your​​ Card​​ are​​ set​​ forth​​ in​​ the​​ “Schedule​​ of​​ Fees​​ and​​ Charges”​​ ATTACHED​​ TO​​ THIS​​ AGREEMENT​​ AND​​ INCORPORATED​​ HEREIN​​ BY​​ REFERENCE.​​ FEES​​ INCURRED​​ PURSUANT​​ TO​​ THE​​ TERMS​​ OF​​ THIS​​ AGREEMENT​​ will​​ be​​ withdrawn​​ from​​ your​​ Card​​ Account​​ and​​ will​​ be​​ assessed​​ so​​ long​​ as​​ there​​ is​​ a​​ remaining​​ balance​​ in​​ your​​ Card​​ Account,​​ unless​​ prohibited​​ by​​ law.​​ ​​ You​​ agree​​ to​​ pay​​ all​​ fees​​ associated​​ with​​ the​​ Card.​​ We​​ may​​ from​​ time​​ to​​ time​​ amend​​ the​​ “Schedule​​ of​​ Fees​​ and​​ Charges”​​ at​​ our​​ sole​​ discretion​​ and​​ as​​ set​​ forth​​ in​​ the​​ Section​​ of​​ this​​ Agreement​​ titled​​ “Amendment​​ and​​ Cancellation.”​​ If​​ you​​ request​​ a​​ service​​ that​​ is​​ not​​ included​​ in​​ this​​ “Schedule​​ of​​ Fees​​ and​​ Charges”​​ and​​ there​​ is​​ a​​ fee​​ for​​ such​​ service,​​ such​​ fee​​ will​​ be​​ disclosed​​ at​​ the​​ time​​ you​​ request​​ the​​ service​​ and​​ you​​ agree​​ that​​ any​​ such​​ fee​​ may​​ be​​ deducted​​ from​​ your​​ Card​​ Account.

 

  •  ​​​​ Authorized​​ Users. ​​​​ If​​ you​​ permit​​ another​​ person​​ to​​ have​​ access​​ to​​ your​​ Card​​ or​​ Card​​ Number,​​ you​​ are​​ liable​​ for​​ all​​ transactions​​ made​​ with​​ the​​ Card,​​ Card​​ Number​​ or​​ Account​​ Number,​​ and​​ all​​ related​​ fees​​ incurred,​​ by​​ those​​ persons.​​ To​​ cancel​​ a​​ card,​​ telephone​​ the​​ toll-free​​ number​​ on​​ the​​ back​​ of​​ your​​ Card​​ or​​ call​​ 1-877-440-2889​​ and​​ you​​ must​​ follow-up​​ not​​ later​​ than​​ 10​​ business​​ days​​ with​​ the​​ written​​ notification​​ to​​ revoke​​ (cancel)​​ permission​​ for​​ any​​ person​​ you​​ previously​​ authorized​​ to​​ use​​ your​​ Card. ​​​​ Until​​ we​​ have​​ received​​ your​​ notice​​ of​​ such​​ a​​ revocation​​ (cancellation)​​ and​​ have​​ had​​ a​​ reasonable​​ time​​ to​​ act​​ upon​​ the​​ written​​ notification​​ of​​ cancellation,​​ you​​ are​​ responsible​​ for​​ all​​ transactions​​ and​​ fees​​ incurred​​ by​​ you​​ or​​ any​​ other​​ person​​ you​​ have​​ authorized.​​ If​​ you​​ tell​​ us​​ to​​ revoke​​ (cancel)​​ another​​ person’s​​ use​​ of​​ your​​ Card,​​ we​​ may​​ revoke​​ (cancel)​​ your​​ Card​​ and​​ issue​​ a​​ new​​ Card​​ with​​ a​​ different​​ Card​​ Number​​ and/or​​ Account​​ Number.​​ You​​ are​​ wholly​​ responsible​​ for​​ the​​ use​​ of​​ the​​ Card​​ according​​ to​​ the​​ terms​​ of​​ this​​ Agreement,​​ subject​​ to​​ the​​ section​​ labeled​​ “Lost​​ or​​ Stolen​​ cards/Unauthorized​​ Transfers”​​ below,​​ and​​ other​​ applicable​​ laws.

 

  •  ​​​​ Card​​ Account​​ Use​​ and​​ Purpose. ​​​​ Subject​​ to​​ the​​ limitations​​ set​​ forth​​ in​​ this​​ Agreement,​​ you​​ may​​ use​​ your​​ Card,​​ Card​​ Number,​​ or​​ Account​​ Number,​​ as​​ applicable,​​ to​​ (1)​​ add​​ funds​​ to​​ your​​ Card​​ Account​​ (as​​ described​​ in​​ the​​ Section​​ below​​ titled​​ “Adding​​ Funds​​ to​​ Your​​ Card​​ Account”),​​ (2)​​ transfer​​ funds​​ between​​ Card​​ Accounts,​​ (3)​​ purchase​​ goods​​ or​​ services​​ wherever​​ your​​ Card​​ is​​ honored​​ as​​ long​​ as​​ you​​ do​​ not​​ exceed​​ the​​ value​​ available​​ in​​ your​​ Card​​ Account​​ and​​ including​​ your​​ current​​ POS​​ daily​​ spending,​​ and​​ (4)​​ withdraw​​ cash​​ from​​ your​​ Card​​ Account​​ (as​​ described​​ in​​ the​​ Section​​ below​​ titled​​ “Using​​ Your​​ Card​​ to​​ Get​​ Cash”). ​​​​ There​​ may​​ be​​ fees​​ associated​​ with​​ some​​ of​​ these​​ transactions.​​ For​​ fee​​ information,​​ see​​ the​​ “Schedule​​ of​​ Fees​​ and​​ Charges”​​ attached​​ to​​ this​​ Agreement.​​ You​​ agree​​ not​​ to​​ use​​ your​​ Card​​ for​​ illegal​​ gambling​​ or​​ any​​ other​​ illegal​​ purpose.​​ 

 

We​​ will​​ provide​​ you​​ our​​ bank​​ routing​​ number​​ and​​ assign​​ you​​ a​​ 12-digit​​ Account​​ Number​​ once​​ your​​ identity​​ has​​ been​​ verified. ​​​​ The​​ bank​​ routing​​ number​​ and​​ your​​ assigned​​ Account​​ Number​​ are​​ for​​ the​​ purpose​​ of​​ initiating​​ direct​​ deposits​​ to​​ your​​ Card​​ Account​​ and​​ authorized​​ ACH​​ debit​​ transactions​​ only.​​ The​​ 16-digit​​ Card​​ Number​​ embossed​​ or​​ printed​​ on​​ your​​ Card​​ should​​ not​​ be​​ used​​ for​​ these​​ types​​ of​​ transactions​​ or​​ they​​ will​​ be​​ rejected.​​ You​​ are​​ not​​ authorized​​ to​​ use​​ the​​ bank​​ routing​​ number​​ and​​ Account​​ Number​​ if​​ you​​ do​​ not​​ have​​ sufficient​​ funds​​ in​​ your​​ Card​​ Account​​ or​​ to​​ make​​ a​​ debit​​ transaction​​ with​​ a​​ paper​​ check,​​ check-by-phone​​ or​​ other​​ item​​ processed​​ as​​ a​​ check.​​ These​​ debits​​ will​​ be​​ declined,​​ and​​ your​​ payment​​ will​​ not​​ be​​ processed.​​ You​​ also​​ may​​ be​​ assessed​​ an​​ ACH​​ Decline​​ Fee​​ (see​​ the​​ “Schedule​​ of​​ Fees​​ and​​ Charges”​​ attached​​ to​​ this​​ Agreement). ​​ ​​ ​​​​ 

 

  •  ​​​​ Limitations​​ on​​ Frequency​​ and​​ Dollar​​ Amounts​​ of​​ Transactions.​​ The​​ total​​ amount​​ of​​ purchases​​ and​​ cash​​ withdrawals​​ (including​​ withdrawals​​ inside​​ a​​ bank​​ office)​​ that​​ you​​ can​​ perform​​ in​​ any​​ single​​ day​​ is​​ limited​​ to​​ $5,000​​ total.​​ The​​ total​​ amount​​ of​​ ATM​​ withdrawals​​ that​​ you​​ can​​ perform​​ in​​ any​​ single​​ day​​ is​​ limited​​ to​​ $1,025,​​ with​​ a​​ $1,025​​ per​​ transaction​​ limit​​ -​​ see​​ amounts​​ set​​ forth​​ in​​ the​​ Schedule​​ of​​ Fees​​ and​​ Charges.​​ The​​ maximum​​ aggregate​​ value​​ of​​ your​​ Card​​ Account(s)​​ is​​ restricted​​ to​​ $10,000​​ at​​ any​​ point​​ in​​ time. ​​​​ We​​ will​​ determine​​ any​​ maximum​​ value​​ by​​ aggregating​​ the​​ activity​​ and​​ value​​ of​​ all​​ Card​​ Accounts​​ you​​ may​​ have​​ with​​ us. ​​ ​​​​ For​​ security​​ reasons,​​ we​​ may​​ further​​ limit​​ the​​ number​​ or​​ dollar​​ amount​​ of​​ transactions​​ you​​ can​​ make​​ with​​ your​​ Card.​​ The​​ following​​ grid​​ is​​ provided​​ in​​ order​​ to​​ highlight​​ the​​ frequency​​ and​​ limitations​​ of​​ cardholder​​ transactions​​ in​​ a​​ single​​ day​​ or​​ additional​​ time​​ frame​​ if​​ warranted:

Transaction/Load​​ Type

Maximum​​ Frequency​​ &​​ Amount​​ per​​ day

Maximum​​ Balance​​ on​​ the​​ card​​ at​​ any​​ time

$10,000​​ (includes​​ all​​ cash​​ and​​ direct​​ deposit​​ loads)

Withdrawals

Up​​ to​​ a​​ maximum​​ of​​ $5,000​​ per​​ day​​ (includes​​ all​​ ATM​​ and​​ POS​​ purchases)

Cash​​ Withdrawal​​ (ATM)

$1,025​​ maximum​​ per​​ withdrawal,​​ Maximum​​ of​​ $1,025​​ per​​ day

Cash​​ Withdrawal​​ (In-Network​​ Teller)​​ 

Up​​ to​​ a​​ maximum​​ of​​ $5,000​​ per​​ day

POS​​ Purchases​​ 

Up​​ to​​ a​​ maximum​​ of​​ $5,000​​ per​​ day

Direct​​ Deposits​​ &​​ ACH​​ Deposits

A​​ maximum​​ of​​ $10,000​​ per​​ deposit

Loads​​ (Direct​​ Deposits)

Includes​​ any​​ combination​​ of​​ the​​ below​​ load​​ types

10​​ per​​ day,​​ a​​ maximum​​ of​​ $10,000​​ per​​ day

Cash​​ Deposits​​ (In-Network)

N/A

Card-to-Card​​ Transfers​​ 

10​​ per​​ day,​​ a​​ $5,000​​ maximum​​ per​​ transfer,​​ maximum​​ of​​ $5,000​​ per​​ day​​ 

 

  •  ​​​​ Personal​​ Identification​​ Number​​ (“PIN”). ​​​​ You​​ will​​ not​​ receive​​ a​​ PIN​​ with​​ your​​ Card​​ Account. ​​​​ However,​​ you​​ can​​ set​​ a​​ PIN​​ through​​ the​​ IVR​​ (Interactive​​ Voice​​ Response​​ automated​​ telephone​​ system),​​ Customer​​ Website​​ or​​ by​​ calling​​ Customer​​ Service​​ at​​ 1-877-440-2889.​​ ​​ Only​​ one​​ (1)​​ PIN​​ will​​ be​​ issued​​ for​​ each​​ Card​​ Account. ​​​​ You​​ will​​ need​​ a​​ PIN​​ to​​ obtain​​ cash​​ at​​ an​​ ATM​​ or​​ to​​ make​​ a​​ PIN​​ purchase​​ or​​ obtain​​ cash​​ back​​ at​​ a​​ point-of-sale​​ (“POS”)​​ terminal.​​ You​​ should​​ not​​ write​​ or​​ keep​​ your​​ PIN​​ with​​ your​​ Card.​​ If​​ you​​ believe​​ that​​ anyone​​ has​​ gained​​ unauthorized​​ access​​ to​​ your​​ PIN,​​ you​​ should​​ advise​​ us​​ immediately,​​ following​​ the​​ procedures​​ in​​ the​​ Section​​ below​​ titled​​ “Your​​ Liability​​ for​​ Unauthorized​​ Transfers.”

 

  • ​​ Adding​​ Funds​​ to​​ Your​​ Card​​ Account. ​​​​ You​​ may​​ direct​​ deposit​​ funds​​ to​​ your​​ Card​​ Account​​ by​​ providing​​ our​​ bank​​ routing​​ number​​ and​​ your​​ assigned​​ Account​​ Number​​ to​​ your​​ employer​​ or​​ other​​ direct​​ deposit​​ payor​​ (as​​ described​​ in​​ the​​ Section​​ above​​ titled​​ “Card​​ Account​​ Use​​ and​​ Purpose”).​​ You​​ cannot​​ load​​ your​​ Card​​ Account​​ by​​ check​​ or​​ money​​ order.

 

If​​ you​​ are​​ a​​ party​​ to​​ an​​ Automated​​ Clearing​​ House​​ (“ACH”)​​ entry,​​ you​​ agree​​ to​​ be​​ bound​​ by​​ the​​ rules​​ and​​ regulations​​ of​​ the​​ National​​ Automated​​ Clearing​​ House​​ Association​​ (“NACHA”)​​ Operating​​ Rules,​​ the​​ Rules​​ of​​ any​​ local​​ ACH,​​ and​​ the​​ Rules​​ of​​ any​​ other​​ system​​ through​​ which​​ the​​ entry​​ is​​ made.

 

Provisional​​ Payment.​​ Credit​​ we​​ give​​ you​​ with​​ respect​​ to​​ an​​ ACH​​ credit​​ entry​​ is​​ provisional​​ until​​ we​​ receive​​ final​​ settlement​​ for​​ that​​ entry​​ through​​ a​​ Federal​​ Reserve​​ Bank.​​ If​​ we​​ do​​ not​​ receive​​ final​​ settlement,​​ you​​ agree​​ that​​ we​​ are​​ entitled​​ to​​ a​​ refund​​ of​​ the​​ amount​​ credited​​ to​​ you​​ in​​ connection​​ with​​ the​​ entry,​​ and​​ the​​ party​​ making​​ the​​ payment​​ to​​ you​​ via​​ such​​ entry​​ (i.e.,​​ the​​ originator​​ of​​ the​​ entry)​​ shall​​ not​​ be​​ deemed​​ to​​ have​​ paid​​ you​​ in​​ the​​ amount​​ of​​ such​​ entry.

 

Notice​​ of​​ Receipt.​​ Under​​ the​​ operating​​ rules​​ NACHA,​​ which​​ are​​ applicable​​ to​​ ACH​​ transactions​​ involving​​ your​​ account,​​ we​​ are​​ not​​ required​​ to​​ give​​ next​​ day​​ notice​​ to​​ you​​ of​​ receipt​​ of​​ ACH​​ item​​ and​​ we​​ will​​ not​​ do​​ so.​​ However,​​ we​​ will​​ continue​​ to​​ notify​​ you​​ of​​ the​​ receipt​​ of​​ payments​​ in​​ the​​ periodic​​ statements​​ we​​ provide​​ you.

 

  •  ​​​​ Using​​ Your​​ Card​​ to​​ Get​​ Cash. ​​​​ With​​ a​​ PIN,​​ you​​ may​​ use​​ your​​ Card​​ to​​ (i)​​ obtain​​ cash​​ or​​ check​​ your​​ balance​​ at​​ any​​ Automated​​ Teller​​ Machine​​ (“ATM”)​​ that​​ bears​​ the​​ Mastercard®​​ brand,​​ or​​ (ii)​​ obtain​​ cash​​ at​​ merchants​​ or​​ banks​​ that​​ have​​ agreed​​ to​​ provide​​ cash​​ back​​ at​​ POS​​ terminals​​ bearing​​ the​​ Mastercard®​​ brand. ​​​​ All​​ ATM​​ transactions​​ are​​ treated​​ as​​ cash​​ withdrawal​​ transactions.​​ The​​ maximum​​ amount​​ of​​ cash​​ you​​ may​​ withdraw​​ at​​ an​​ ATM​​ on​​ a​​ daily​​ basis​​ is​​ $1,025,​​ with​​ a​​ $1,025​​ limit​​ per​​ withdrawal,​​ as​​ described​​ in​​ the​​ Section​​ above​​ titled​​ “Limitations​​ on​​ Frequency​​ and​​ Dollar​​ Amounts​​ of​​ Transactions.”​​ We​​ may​​ limit​​ the​​ amount​​ of​​ any​​ individual​​ ATM​​ withdrawal,​​ and​​ merchants,​​ banks​​ and​​ ATM​​ operators​​ may​​ impose​​ additional​​ withdrawal​​ limits. ​​​​ You​​ may​​ be​​ charged​​ a​​ fee​​ by​​ us​​ for​​ each​​ cash​​ withdrawal​​ and​​ balance​​ inquiry​​ made​​ at​​ an​​ ATM,​​ in​​ the​​ amount​​ disclosed​​ in​​ the​​ accompanying​​ “Schedule​​ of​​ Fees​​ and​​ Charges.”​​ In​​ addition,​​ when​​ you​​ use​​ an​​ ATM​​ not​​ owned​​ by​​ us,​​ you​​ may​​ be​​ charged​​ a​​ fee​​ by​​ the​​ ATM​​ operator​​ or​​ any​​ network​​ used​​ (and​​ you​​ may​​ be​​ charged​​ a​​ fee​​ for​​ a​​ balance​​ inquiry​​ even​​ if​​ you​​ do​​ not​​ complete​​ a​​ fund​​ transfer).

 

  • ​​ Split​​ Transactions.​​ 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​​ do​​ a​​ split​​ transaction​​ if​​ you​​ pay​​ the​​ remaining​​ amount​​ in​​ cash.​​ If​​ you​​ fail​​ to​​ inform​​ the​​ merchant​​ that​​ you​​ would​​ like​​ to​​ complete​​ a​​ split​​ transaction​​ before​​ swiping​​ your​​ Card,​​ your​​ Card​​ is​​ likely​​ to​​ be​​ declined.

 

  • ​​ Transactions​​ Using​​ Your​​ Card​​ Number. ​​​​ If​​ you​​ initiate​​ a​​ transaction​​ without​​ presenting​​ your​​ Card​​ (such​​ as​​ for​​ a​​ mail​​ order,​​ internet​​ or​​ telephone​​ purchase,​​ or​​ an​​ ACH​​ debit​​ purchase),​​ the​​ legal​​ effect​​ will​​ be​​ the​​ same​​ as​​ if​​ you​​ used​​ the​​ Card​​ itself.​​ 

 

  •  ​​​​ Your​​ Obligation​​ for​​ Negative​​ Balance​​ Transactions.​​ Each​​ time​​ you​​ initiate​​ a​​ Card​​ transaction,​​ you​​ authorize​​ us​​ to​​ reduce​​ the​​ funds​​ available​​ in​​ your​​ Card​​ Account​​ by​​ the​​ amount​​ of​​ the​​ transaction​​ and​​ all​​ associated​​ fees.​​ You​​ are​​ not​​ allowed​​ to​​ exceed​​ the​​ available​​ amount​​ in​​ your​​ Card​​ Account​​ through​​ an​​ individual​​ transaction​​ or​​ a​​ series​​ of​​ transactions​​ (creating​​ a​​ “negative​​ balance”). ​​​​ Nevertheless,​​ if​​ any​​ transactions​​ cause​​ the​​ balance​​ in​​ your​​ Card​​ Account​​ to​​ go​​ negative,​​ including​​ any​​ purchase​​ transactions​​ where​​ the​​ retailer​​ or​​ merchant​​ does​​ not​​ request​​ authorization,​​ you​​ shall​​ remain​​ fully​​ liable​​ to​​ us​​ for​​ the​​ amount​​ of​​ any​​ negative​​ balance​​ and​​ any​​ corresponding​​ transaction​​ fees. ​​​​ You​​ may​​ also​​ be​​ liable​​ for​​ any​​ related​​ Insufficient​​ Funds/NSF​​ Fee(s)​​ as​​ set​​ forth​​ in​​ the​​ accompanying​​ “Schedule​​ of​​ Fees​​ and​​ Charges.” ​​​​ We​​ reserve​​ the​​ right​​ to​​ bill​​ you​​ for​​ any​​ negative​​ balance​​ or​​ to​​ recoup​​ such​​ negative​​ balance​​ from​​ any​​ other​​ Card​​ we​​ have​​ issued​​ to​​ you.​​ You​​ agree​​ to​​ pay​​ us​​ promptly​​ for​​ the​​ negative​​ balance​​ and​​ any​​ related​​ fees.​​ We​​ also​​ reserve​​ the​​ right​​ to​​ cancel​​ your​​ Card​​ if​​ you​​ create​​ one​​ or​​ more​​ negative​​ balances​​ with​​ your​​ Card.

 

 

  • ​​ Authorization​​ Holds. ​​​​ You​​ do​​ not​​ have​​ the​​ right​​ to​​ stop​​ payment​​ on​​ any​​ purchase​​ transaction​​ originated​​ by​​ use​​ of​​ your​​ Card,​​ other​​ than​​ a​​ Recurring​​ Transaction​​ as​​ described​​ in​​ the​​ Section​​ below​​ titled​​ “Recurring​​ Transactions.”​​ When​​ you​​ use​​ your​​ Card​​ to​​ pay​​ for​​ goods​​ or​​ services,​​ certain​​ merchants​​ may​​ ask​​ us​​ to​​ authorize​​ the​​ transaction​​ in​​ advance​​ and​​ the​​ merchant​​ may​​ estimate​​ its​​ final​​ value.​​ When​​ you​​ use​​ your​​ Card​​ to​​ obtain​​ cash​​ at​​ an​​ ATM​​ or​​ from​​ a​​ bank​​ teller,​​ we​​ will​​ authorize​​ the​​ transaction​​ in​​ advance​​ (including​​ all​​ applicable​​ fees).​​ When​​ we​​ authorize​​ a​​ purchase​​ transaction,​​ we​​ commit​​ to​​ make​​ the​​ requested​​ funds​​ available​​ when​​ the​​ transaction​​ finally​​ settles​​ and​​ will​​ place​​ a​​ temporary​​ hold​​ on​​ your​​ Card’s​​ funds​​ for​​ the​​ amount​​ indicated​​ by​​ the​​ merchant.​​ If​​ you​​ authorize​​ a​​ transaction​​ and​​ then​​ fail​​ to​​ make​​ a​​ purchase​​ of​​ that​​ item​​ as​​ planned,​​ the​​ approval​​ may​​ result​​ in​​ a​​ hold​​ for​​ that​​ amount​​ of​​ funds.​​ Car​​ rentals,​​ hotels​​ and​​ other​​ serviceoriented​​ merchants​​ may​​ choose​​ to​​ factor​​ in​​ additional​​ amounts​​ upon​​ check-in,​​ and​​ it​​ may​​ take​​ up​​ to​​ sixty​​ (60)​​ days​​ after​​ your​​ stay​​ or​​ your​​ rental​​ to​​ have​​ any​​ excess​​ amounts​​ held​​ by​​ the​​ hotel​​ or​​ rental​​ company​​ added​​ back​​ to​​ your​​ available​​ balance.​​ Similarly,​​ some​​ gas​​ stations​​ may​​ factor​​ in​​ additional​​ amounts​​ to​​ cover​​ potential​​ filling​​ of​​ the​​ tank;​​ if​​ you​​ want​​ to​​ avoid​​ such​​ a​​ hold,​​ you​​ may​​ want​​ to​​ pay​​ inside​​ the​​ gas​​ station,​​ instead​​ of​​ paying​​ at​​ the​​ pump.​​ Until​​ the​​ transaction​​ finally​​ settles,​​ 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,​​ and​​ we​​ will​​ release​​ any​​ excess​​ amount​​ when​​ the​​ transaction​​ finally​​ settles.

 

When​​ you​​ use​​ your​​ Card​​ at​​ certain​​ restaurants​​ and​​ service-oriented​​ merchants,​​ there​​ may​​ be​​ an​​ additional​​ 20%​​ (or​​ more)​​ added​​ to​​ the​​ authorization​​ to​​ cover​​ any​​ tip​​ you​​ may​​ leave​​ on​​ the​​ purchase.​​ If​​ this​​ occurs,​​ and​​ your​​ total​​ bill,​​ after​​ adding​​ in​​ the​​ additional​​ 20%​​ (or​​ more),​​ exceeds​​ the​​ amount​​ available​​ on​​ your​​ Card,​​ your​​ transactions​​ may​​ be​​ declined.​​ Accordingly,​​ you​​ should​​ ensure​​ that​​ your​​ Card​​ has​​ an​​ available​​ balance​​ that​​ is​​ 20%​​ (or​​ more)​​ greater​​ than​​ your​​ total​​ bill​​ before​​ using​​ your​​ Card.

 

  • ​​ Recurring​​ Transactions. ​​​​ If​​ you​​ intend​​ to​​ use​​ your​​ Card​​ for​​ recurring​​ transactions,​​ you​​ should​​ monitor​​ your​​ balance​​ and​​ ensure​​ you​​ have​​ funds​​ available​​ in​​ your​​ Card​​ Account​​ to​​ cover​​ the​​ transactions.​​ “Recurring​​ transactions”​​ are​​ transactions​​ that​​ are​​ authorized​​ in​​ advance​​ by​​ you​​ to​​ be​​ charged​​ to​​ your​​ Card​​ at​​ substantially​​ regular​​ intervals.​​ We​​ are​​ not​​ responsible​​ if​​ a​​ recurring​​ transaction​​ is​​ declined​​ because​​ you​​ have​​ not​​ maintained​​ a​​ sufficient​​ balance​​ in​​ your​​ Card​​ Account​​ to​​ cover​​ the​​ recurring​​ transaction. ​​​​ If​​ these​​ recurring​​ transactions​​ may​​ vary​​ in​​ amount,​​ the​​ person​​ you​​ are​​ going​​ to​​ pay​​ should​​ tell​​ you,​​ 10​​ days​​ before​​ each​​ payment,​​ when​​ it​​ will​​ be​​ made​​ and​​ how​​ much​​ it​​ will​​ be.​​ (You​​ may​​ choose​​ instead​​ to​​ get​​ this​​ notice​​ only​​ when​​ the​​ payment​​ would​​ differ​​ by​​ more​​ than​​ a​​ certain​​ amount​​ from​​ the​​ previous​​ payment,​​ or​​ when​​ the​​ amount​​ would​​ fall​​ outside​​ certain​​ limits​​ that​​ you​​ set.)​​ If​​ you​​ have​​ told​​ us​​ in​​ advance​​ to​​ make​​ regular​​ payments​​ (i.e.,​​ recurring​​ transactions)​​ from​​ your​​ Card​​ Account,​​ you​​ can​​ stop​​ the​​ payment​​ by​​ notifying​​ us​​ orally​​ at​​ 1-877-440-2889​​ or​​ in​​ writing​​ PO​​ Box​​ 370898,​​ Denver,​​ CO​​ 80237​​ to​​ at​​ least​​ three​​ (3)​​ business​​ days​​ before​​ the​​ scheduled​​ date​​ of​​ the​​ transfer. ​​​​ If​​ you​​ call,​​ we​​ also​​ may​​ require​​ you​​ to​​ put​​ your​​ request​​ in​​ writing​​ and​​ get​​ it​​ to​​ us​​ within​​ 14​​ days​​ after​​ you​​ call. ​​​​ If​​ you​​ order​​ us​​ to​​ stop​​ one​​ of​​ these​​ payments​​ three​​ (3)​​ business​​ days​​ or​​ more​​ before​​ the​​ transfer​​ is​​ scheduled,​​ and​​ we​​ do​​ not​​ do​​ so,​​ we​​ will​​ be​​ liable​​ for​​ your​​ direct​​ losses​​ or​​ damages.​​ If​​ you​​ have​​ authorized​​ a​​ merchant​​ to​​ make​​ the​​ recurring​​ transaction,​​ you​​ also​​ should​​ contact​​ the​​ applicable​​ merchant​​ in​​ order​​ to​​ stop​​ the​​ recurring​​ transaction.

 

  • ​​ Preauthorized​​ Credits. ​​​​ If​​ you​​ have​​ arranged​​ to​​ have​​ direct​​ deposits​​ made​​ to​​ your​​ Card​​ Account​​ at​​ least​​ once​​ every​​ sixty​​ (60)​​ days​​ from​​ the​​ same​​ person​​ or​​ company​​ and​​ you​​ do​​ not​​ receive​​ a​​ receipt/statement​​ (paystub),​​ you​​ can​​ call​​ us​​ at​​ 1-877-440-2889​​ to​​ find​​ out​​ whether​​ or​​ not​​ the​​ deposit​​ was​​ made.

 

  • ​​ Returns​​ and​​ Refunds. ​​​​ If​​ you​​ are​​ entitled​​ to​​ a​​ refund​​ for​​ any​​ reason​​ for​​ goods​​ or​​ services​​ obtained​​ with​​ your​​ Card,​​ you​​ agree​​ to​​ accept​​ credits​​ to​​ your​​ Card​​ Account​​ for​​ such​​ refunds.​​ You​​ are​​ not​​ entitled​​ to​​ a​​ check​​ refund​​ unless​​ your​​ Card​​ has​​ been​​ closed.​​ The​​ amounts​​ credited​​ to​​ your​​ Card​​ for​​ refunds​​ may​​ not​​ be​​ available​​ for​​ up​​ to​​ five​​ (5)​​ days​​ from​​ the​​ date​​ the​​ refund​​ transaction​​ occurs.​​ 

 

  • ​​ Card​​ Cancellation​​ and​​ Suspension;​​ Limits. ​​​​ We​​ reserve​​ the​​ right,​​ in​​ our​​ sole​​ discretion,​​ to​​ limit​​ your​​ use​​ of​​ the​​ Card,​​ including​​ limiting​​ or​​ prohibiting​​ specific​​ types​​ of​​ transactions.​​ We​​ may​​ refuse​​ to​​ issue​​ a​​ Card,​​ revoke​​ Card​​ privileges​​ or​​ cancel​​ your​​ Card​​ with​​ or​​ without​​ cause​​ or​​ notice,​​ other​​ than​​ as​​ required​​ by​​ applicable​​ law.​​ If​​ you​​ would​​ like​​ to​​ cancel​​ the​​ use​​ of​​ your​​ Card,​​ you​​ may​​ do​​ so​​ by​​ calling​​ 1-877-440-2889​​ or​​ the​​ number​​ on​​ the​​ back​​ of​​ your​​ Card.​​ You​​ agree​​ not​​ to​​ use​​ or​​ allow​​ others​​ to​​ use​​ an​​ expired,​​ revoked,​​ canceled,​​ suspended​​ or​​ otherwise​​ invalid​​ Card.​​ Our​​ cancellation​​ of​​ Card​​ privileges​​ will​​ not​​ otherwise​​ affect​​ your​​ rights​​ and​​ obligations​​ under​​ this​​ Agreement.​​ If​​ we​​ cancel​​ or​​ suspend​​ your​​ Card​​ privileges​​ through​​ no​​ fault​​ of​​ yours,​​ you​​ will​​ be​​ entitled​​ to​​ a​​ refund​​ as​​ provided​​ below​​ in​​ the​​ Section​​ titled​​ “Amendment​​ and​​ Cancellation.”​​ Not​​ all​​ services​​ described​​ in​​ this​​ Agreement​​ are​​ available​​ to​​ all​​ persons​​ or​​ at​​ all​​ locations.​​ We​​ reserve​​ the​​ right​​ to​​ limit,​​ at​​ our​​ sole​​ discretion,​​ the​​ provision​​ of​​ any​​ such​​ services​​ to​​ any​​ person​​ or​​ in​​ any​​ location.​​ Any​​ offer​​ of​​ a​​ service​​ in​​ this​​ Agreement​​ shall​​ be​​ deemed​​ void​​ where​​ prohibited.​​ We​​ can​​ waive​​ or​​ delay​​ enforcement​​ of​​ any​​ of​​ our​​ rights​​ under​​ this​​ Agreement​​ without​​ losing​​ them.​​ 

 

  • ​​ International​​ Transaction​​ Fee. ​​​​ If​​ you​​ initiate​​ a​​ transaction​​ in​​ a​​ currency​​ or​​ country​​ other​​ than​​ the​​ currency​​ or​​ country​​ in​​ which​​ your​​ Card​​ was​​ issued,​​ the​​ amount​​ deducted​​ from​​ your​​ funds​​ will​​ be​​ converted​​ by​​ Mastercard​​ into​​ an​​ amount​​ in​​ the​​ currency​​ of​​ your​​ Card.​​ Mastercard​​ will​​ establish​​ a​​ currency​​ conversion​​ rate​​ for​​ this​​ convenience​​ using​​ a​​ rate​​ selected​​ by​​ Mastercard​​ from​​ the​​ range​​ of​​ rates​​ available​​ in​​ wholesale​​ currency​​ markets​​ for​​ the​​ applicable​​ central​​ processing​​ date​​ which​​ may​​ vary​​ from​​ the​​ rate​​ Mastercard​​ itself​​ receives,​​ or​​ the​​ government​​ mandated​​ rate​​ in​​ effect​​ for​​ the​​ applicable​​ central​​ processing​​ date,​​ in​​ each​​ instance,​​ plus​​ or​​ minus​​ any​​ adjustment​​ determined​​ by​​ us.​​ If​​ you​​ obtain​​ your​​ funds​​ in​​ a​​ currency​​ or​​ country​​ other​​ than​​ the​​ currency​​ or​​ country​​ in​​ which​​ the​​ Card​​ was​​ issued,​​ we​​ may​​ increase​​ the​​ currency​​ conversion​​ rate​​ (described​​ in​​ the​​ immediately​​ preceding​​ section)​​ up​​ to​​ an​​ additional​​ 3%​​ of​​ the​​ transaction​​ amount​​ and​​ will​​ retain​​ this​​ amount​​ as​​ compensation​​ for​​ our​​ services.​​ This​​ charge​​ is​​ independent​​ of​​ and​​ in​​ addition​​ to​​ the​​ currency​​ conversion​​ rate​​ established​​ by​​ Mastercard.

​​ 

  •  ​​​​ Receipts. ​​​​ You​​ should​​ get​​ or​​ request​​ a​​ receipt​​ at​​ the​​ time​​ you​​ make​​ a​​ transaction​​ or​​ obtain​​ cash​​ using​​ your​​ Card.​​ You​​ agree​​ to​​ retain​​ your​​ receipts​​ to​​ verify​​ your​​ transactions. ​​​​ You​​ can​​ get​​ a​​ receipt​​ at​​ the​​ time​​ you​​ make​​ any​​ transfer​​ from​​ your​​ Card​​ Account​​ using​​ one​​ of​​ our​​ ATM​​ terminals. ​​​​ 

​​ 

  •  ​​​​ Obtaining​​ Balance​​ and​​ Transaction​​ Information​​ for​​ Your​​ Card;​​ Periodic​​ Statements​​ Alternative. ​​​​ You​​ should​​ keep​​ track​​ of​​ the​​ amount​​ of​​ funds​​ available​​ in​​ your​​ Card​​ Account.​​ You​​ may​​ obtain​​ information​​ about​​ the​​ amount​​ of​​ funds​​ you​​ have​​ remaining​​ in​​ your​​ Card​​ Account​​ by​​ calling​​ the​​ number​​ on​​ the​​ back​​ of​​ your​​ Card.​​ This​​ information,​​ along​​ with​​ a​​ 12-month​​ history​​ of​​ account​​ transactions,​​ is​​ also​​ available​​ on-line​​ through​​ our​​ customer​​ self-service​​ website​​ shown​​ on​​ the​​ back​​ of​​ the​​ Card.​​ You​​ also​​ have​​ the​​ right​​ to​​ obtain​​ a​​ 24-month​​ written​​ history​​ of​​ account​​ transactions​​ by​​ calling​​ the​​ number​​ on​​ the​​ back​​ of​​ your​​ Card,​​ or​​ 1-877-440-2889,​​ or​​ writing​​ us​​ at​​ PO​​ Box​​ 370898,​​ Denver,​​ CO​​ 80237.​​ 

​​ 

  •  ​​​​ Confidentiality. ​​​​ The​​ Bank​​ may​​ disclose​​ information​​ to​​ third​​ parties​​ about​​ your​​ Card​​ or​​ the​​ transactions​​ you​​ make​​ using​​ your​​ Card:​​ (1)​​ where​​ it​​ is​​ necessary​​ for​​ completing​​ transactions;​​ (2)​​ in​​ order​​ to​​ verify​​ the​​ existence​​ and​​ condition​​ of​​ your​​ Card​​ for​​ a​​ third​​ party,​​ such​​ as​​ a​​ merchant;​​ (3)​​ in​​ order​​ to​​ comply​​ with​​ government​​ agency,​​ court​​ order,​​ or​​ other​​ legal​​ reporting​​ requirements;​​ (4)​​ if​​ you​​ give​​ the​​ Bank​​ your​​ written​​ permission;​​ (5)​​ to​​ our​​ and​​ the​​ Bank’s​​ employees,​​ auditors,​​ affiliates,​​ service​​ providers,​​ or​​ attorneys​​ as​​ needed;​​ and​​ (6)​​ as​​ otherwise​​ provided​​ in​​ the​​ Bank’s​​ Privacy​​ Policy​​ Notice.

​​ 

  •  ​​​​ Our​​ Liability​​ for​​ Failure​​ to​​ Complete​​ Transactions. ​​​​ In​​ no​​ event​​ will​​ we​​ or​​ the​​ Bank​​ be​​ liable​​ for​​ consequential​​ damages​​ (including​​ lost​​ profits),​​ extraordinary​​ damages,​​ special​​ or​​ punitive​​ damages.​​ We​​ will​​ not​​ be​​ liable,​​ for​​ instance:​​ (1)​​ if,​​ through​​ no​​ fault​​ of​​ ours​​ or​​ of​​ the​​ Bank,​​ you​​ do​​ not​​ have​​ enough​​ funds​​ available​​ in​​ your​​ Card​​ Account​​ to​​ complete​​ the​​ transaction;​​ (2)​​ if​​ a​​ merchant​​ refuses​​ to​​ accept​​ your​​ Card​​ or​​ provide​​ cash​​ back;​​ (3)​​ if​​ an​​ ATM​​ where​​ you​​ are​​ making​​ a​​ cash​​ withdrawal​​ does​​ not​​ have​​ enough​​ cash;​​ (4)​​ if​​ an​​ electronic​​ terminal​​ where​​ you​​ are​​ making​​ a​​ transaction​​ does​​ not​​ operate​​ properly,​​ and​​ you​​ knew​​ about​​ the​​ problem​​ when​​ you​​ initiated​​ the​​ transaction;​​ (5)​​ if​​ access​​ to​​ your​​ Card​​ has​​ been​​ blocked​​ after​​ you​​ reported​​ your​​ Card​​ or​​ Access​​ Code​​ lost​​ or​​ stolen;​​ (6) ​​​​ if​​ there​​ is​​ a​​ hold​​ or​​ your​​ funds​​ are​​ subject​​ to​​ legal​​ process​​ or​​ other​​ encumbrance​​ restricting​​ their​​ use;​​ (7) ​​​​ if​​ we​​ or​​ the​​ Bank​​ have​​ reason​​ to​​ believe​​ the​​ requested​​ transaction​​ is​​ unauthorized;​​ (8)​​ if​​ circumstances​​ beyond​​ our​​ or​​ the​​ Bank’s​​ control​​ (such​​ as​​ fire,​​ flood​​ or​​ computer​​ or​​ communication​​ failure)​​ prevent​​ the​​ completion​​ of​​ the​​ transaction,​​ despite​​ reasonable​​ precautions​​ that​​ we​​ or​​ the​​ Bank​​ have​​ taken;​​ or​​ (9)​​ for​​ any​​ other​​ exception​​ stated​​ in​​ our​​ Agreement​​ with​​ you.​​ 

​​ 

  •  ​​​​ In​​ Case​​ of​​ Errors​​ or​​ Questions​​ about​​ your​​ Card​​ Account. ​​​​ Call​​ Customer​​ Service​​ at​​ 1-877-440-2889​​ or​​ telephone​​ us​​ at​​ the​​ number​​ on​​ the​​ back​​ of​​ your​​ Card​​ or​​ writing​​ to​​ us​​ by​​ email​​ CardServices@QRails.com​​ website​​ or​​ write​​ to​​ the​​ Program​​ Manager​​ PO​​ Box​​ 370898,​​ Denver,​​ CO​​ 80237,​​ as​​ soon​​ as​​ you​​ can,​​ if​​ you​​ think​​ an​​ error​​ has​​ occurred​​ in​​ your​​ Card​​ Account. ​​​​ If​​ your​​ Card​​ receives​​ wages,​​ salary,​​ or​​ other​​ employee​​ compensation​​ that​​ are​​ made​​ on​​ a​​ recurring​​ basis​​ or​​ you​​ receive​​ electronic​​ deposits​​ of​​ federal​​ payments​​ to​​ your​​ Card,​​ the​​ following​​ provisions​​ of​​ this​​ Section​​ also​​ apply: ​​​​ We​​ must​​ allow​​ you​​ to​​ report​​ an​​ error​​ until​​ sixty​​ (60)​​ days​​ after​​ the​​ earlier​​ of​​ the​​ date​​ you​​ electronically​​ access​​ your​​ Card​​ Account,​​ if​​ the​​ error​​ could​​ be​​ viewed​​ in​​ your​​ electronic​​ history,​​ or​​ the​​ date​​ we​​ sent​​ the​​ FIRST​​ written​​ history​​ on​​ which​​ the​​ error​​ appeared.​​ You​​ may​​ request​​ a​​ written​​ history​​ of​​ your​​ transactions​​ at​​ any​​ time​​ by​​ calling​​ us​​ at​​ the​​ number​​ on​​ the​​ back​​ of​​ your​​ Card,​​ or,​​ 1-877-440-2889​​ or​​ writing​​ to​​ us​​ by​​ email​​ at​​ CardServices@QRails.com​​ or​​ write​​ to​​ the​​ Program​​ Manager,​​ PO​​ Box​​ 370898,​​ Denver,​​ CO​​ 80237​​ or​​ calling​​ Customer​​ Service​​ at​​ 1-877-440-2889.​​ You​​ will​​ need​​ to​​ tell​​ us:​​ (1)​​ your​​ name​​ and​​ Card​​ Number;​​ (2)​​ why​​ you​​ believe​​ there​​ is​​ an​​ error,​​ and​​ the​​ dollar​​ amount​​ involved,​​ and​​ (3)​​ approximately​​ when​​ the​​ error​​ took​​ place.​​ If​​ you​​ tell​​ us​​ orally,​​ we​​ will​​ require​​ that​​ you​​ send​​ your​​ complaint​​ or​​ question​​ in​​ writing​​ within​​ ten​​ (10)​​ business​​ days.​​ We​​ will​​ determine​​ whether​​ an​​ error​​ occurred​​ within​​ ten​​ (10)​​ business​​ days​​ (five​​ (5)​​ business​​ days*​​ for​​ Mastercard​​ Point-of​​ Sale​​ Signature​​ unauthorized​​ debit​​ transactions)​​ after​​ we​​ hear​​ from​​ you​​ and​​ will​​ correct​​ any​​ error​​ promptly. ​​​​ If​​ we​​ need​​ more​​ time,​​ however,​​ we​​ may​​ take​​ up​​ to​​ forty-five​​ (45)​​ days​​ to​​ investigate​​ your​​ complaint​​ or​​ question. ​​​​ If​​ we​​ decide​​ to​​ do​​ this,​​ we​​ will​​ provisionally​​ credit​​ your​​ Card​​ within​​ ten​​ (10)​​ business​​ days​​ (five​​ (5)​​ business​​ days*​​ for​​ Mastercard​​ Point-of​​ Sale​​ Signature​​ unauthorized​​ debit​​ transactions)​​ for​​ the​​ amount​​ you​​ think​​ is​​ in​​ error,​​ so​​ that​​ you​​ will​​ have​​ the​​ use​​ of​​ the​​ money​​ during​​ the​​ time​​ it​​ takes​​ to​​ complete​​ the​​ investigation. ​​​​ If​​ you​​ do​​ not​​ have​​ wages,​​ salary,​​ or​​ other​​ employee​​ compensation​​ that​​ are​​ made​​ on​​ a​​ recurring​​ basis​​ or​​ federal​​ payments​​ (for​​ example,​​ Social​​ Security​​ benefits,​​ tax​​ refunds​​ or​​ other​​ government​​ payments)​​ deposited​​ to​​ your​​ Card​​ Account,​​ we​​ may​​ not​​ credit​​ your​​ Card​​ Account. ​​​​ If​​ we​​ ask​​ you​​ to​​ put​​ your​​ complaint​​ or​​ question​​ in​​ writing​​ and​​ you​​ do​​ not​​ provide​​ it​​ within​​ ten​​ (10)​​ business​​ days​​ (five​​ (5)​​ business​​ days*​​ for​​ Mastercard​​ Point-of​​ Sale​​ Signature​​ unauthorized​​ debit​​ transactions),​​ we​​ may​​ not​​ credit​​ your​​ Card​​ Account. ​​​​ For​​ errors​​ involving​​ new​​ Cards,​​ POS​​ transactions,​​ or​​ foreign-initiated​​ transactions,​​ we​​ may​​ take​​ up​​ to​​ ninety​​ (90)​​ days​​ to​​ investigate​​ your​​ complaint​​ or​​ question.​​ We​​ will​​ tell​​ you​​ the​​ results​​ within​​ three​​ (3)​​ business​​ days​​ after​​ completing​​ the​​ investigation.​​ If​​ we​​ decide​​ that​​ there​​ was​​ no​​ error,​​ we​​ will​​ send​​ you​​ a​​ written​​ explanation​​ and​​ debit​​ your​​ Card​​ Account​​ for​​ the​​ amount​​ of​​ the​​ provisional​​ credit.​​ You​​ may​​ ask​​ for​​ copies​​ of​​ the​​ documents​​ that​​ we​​ used​​ in​​ our​​ investigation.​​ If​​ you​​ need​​ more​​ information​​ about​​ our​​ error-resolution​​ procedures,​​ call​​ us​​ at​​ the​​ number​​ on​​ the​​ back​​ of​​ your​​ Card.​​ If​​ your​​ Card​​ Account​​ does​​ not​​ receive​​ wages,​​ salary,​​ or​​ other​​ employee​​ compensation​​ that​​ are​​ made​​ on​​ a​​ recurring​​ basis​​ or​​ does​​ not​​ receive​​ electronic​​ deposits​​ of​​ federal​​ payments,​​ all​​ of​​ this​​ Section​​ applies,​​ except​​ we​​ will​​ not​​ credit​​ your​​ Card​​ Account​​ until​​ our​​ investigation​​ is​​ complete​​ and​​ we​​ have​​ determined​​ an​​ error​​ occurred.

*​​ On​​ an​​ exception​​ basis​​ as​​ determined​​ by​​ the​​ dispute​​ resolution​​ team,​​ Mastercard​​ allows​​ the​​ five​​ (5)​​ business​​ days​​ provisional​​ credit​​ to​​ be​​ extended​​ to​​ 10​​ business​​ days​​ if​​ additional​​ investigation​​ is​​ warranted.

 

  • ​​ Lost​​ or​​ Stolen​​ Cards/Unauthorized​​ Transfers. ​​​​ If​​ you​​ believe​​ your​​ Card​​ or​​ Access​​ Code​​ (“PIN”)​​ has​​ been​​ lost​​ or​​ stolen,​​ call​​ 1-877-440-2889,​​ the​​ number​​ on​​ the​​ back​​ of​​ your​​ Card,​​ or​​ write​​ to​​ us​​ by​​ email​​ at​​ CardServices@QRails.com​​ ​​ or​​ write​​ to​​ the​​ Program​​ Manager​​ at​​ PO​​ Box​​ 370898,​​ Denver,​​ CO​​ 80237.​​ You​​ should​​ also​​ call​​ the​​ number​​ on​​ the​​ back​​ of​​ your​​ card,​​ 1-877-440-2889​​ or​​ write​​ to​​ the​​ address​​ shown​​ here​​ if​​ you​​ believe​​ an​​ electronic​​ transfer​​ has​​ been​​ made​​ using​​ the​​ information​​ from​​ your​​ Card​​ or​​ Access​​ Code​​ (“PIN”)​​ without​​ your​​ permission.

 

  •  ​​​​ Your​​ Liability​​ for​​ Unauthorized​​ Transfers. ​​​​ You​​ agree​​ to​​ exercise​​ reasonable​​ control​​ over​​ your​​ PIN​​ (“Access​​ Code”);​​ user​​ ID;​​ and​​ password​​ and​​ any​​ other​​ access​​ code​​ related​​ to​​ your​​ Card​​ Account​​ (each,​​ an​​ “Access​​ Code")​​ and​​ your​​ Card. ​​​​ Tell​​ us​​ AT​​ ONCE​​ if​​ you​​ believe​​ your​​ Card​​ or​​ Access​​ Code​​ has​​ been​​ lost​​ or​​ stolen.​​ Also,​​ if​​ your​​ transaction​​ history​​ shows​​ transfers​​ that​​ you​​ did​​ not​​ make,​​ including​​ those​​ made​​ with​​ your​​ Card,​​ Card​​ Number​​ or​​ Account​​ Number,​​ or​​ you​​ believe​​ an​​ electronic​​ transfer​​ has​​ been​​ made​​ without​​ your​​ permission,​​ tell​​ us​​ at​​ once.​​ Telephoning​​ the​​ toll-free​​ number​​ on​​ the​​ back​​ of​​ your​​ Card​​ or​​ calling​​ 1-877-440-2889​​ is​​ the​​ best​​ way​​ of​​ keeping​​ your​​ possible​​ losses​​ down.​​ You​​ could​​ lose​​ all​​ of​​ the​​ money​​ in​​ your​​ Card​​ Account. ​​​​ If​​ you​​ tell​​ us​​ within​​ two​​ (2)​​ business​​ days​​ after​​ you​​ learn​​ of​​ the​​ loss​​ or​​ theft​​ of​​ your​​ Card,​​ you​​ can​​ lose​​ no​​ more​​ than​​ $50.00​​ if​​ someone​​ used​​ your​​ Card​​ without​​ your​​ permission.​​ If​​ you​​ do​​ NOT​​ tell​​ us​​ within​​ two​​ (2)​​ business​​ days​​ after​​ you​​ learn​​ of​​ the​​ loss​​ or​​ theft​​ of​​ your​​ Card,​​ and​​ we​​ can​​ prove​​ that​​ we​​ could​​ have​​ stopped​​ someone​​ from​​ using​​ your​​ Card​​ without​​ your​​ permission​​ if​​ you​​ had​​ told​​ us,​​ you​​ could​​ lose​​ as​​ much​​ as​​ $500.00.​​ If​​ you​​ do​​ not​​ tell​​ us​​ within​​ sixty​​ (60)​​ days​​ after​​ the​​ earlier​​ of​​ the​​ date​​ you​​ electronically​​ access​​ your​​ Card​​ Account​​ or​​ the​​ date​​ we​​ sent​​ the​​ FIRST​​ written​​ history​​ on​​ which​​ the​​ error​​ appeared,​​ you​​ may​​ not​​ get​​ back​​ any​​ money​​ you​​ lost​​ after​​ the​​ sixty​​ (60)​​ days​​ if​​ we​​ can​​ prove​​ that​​ we​​ could​​ have​​ stopped​​ someone​​ from​​ taking​​ the​​ money​​ if​​ you​​ had​​ told​​ us​​ in​​ time.​​ If​​ a​​ good,​​ documented,​​ reason​​ (such​​ as​​ a​​ long​​ trip​​ or​​ a​​ hospital​​ stay)​​ kept​​ you​​ from​​ telling​​ us,​​ we​​ will​​ extend​​ the​​ time​​ periods.

​​ The​​ following​​ provisions​​ of​​ this​​ Section​​ apply​​ to​​ all​​ Card​​ Accounts:​​ You​​ will​​ not​​ be​​ liable​​ for​​ unauthorized​​ use​​ that​​ occurs​​ after​​ you​​ notify​​ us​​ of​​ the​​ loss,​​ theft​​ or​​ unauthorized​​ use​​ of​​ your​​ Card​​ or​​ Access​​ Code.​​ You​​ also​​ agree​​ to​​ cooperate​​ completely​​ with​​ us​​ in​​ attempts​​ to​​ recover​​ funds​​ from​​ unauthorized​​ users​​ and​​ to​​ assist​​ in​​ their​​ prosecution.​​ We​​ may​​ issue​​ replacement​​ Card​​ or​​ Access​​ Code​​ (PIN),​​ but​​ only​​ after​​ you​​ have​​ provided​​ such​​ proof​​ and​​ security​​ or​​ indemnification​​ as​​ we​​ may​​ require.​​ In​​ addition,​​ you​​ acknowledge​​ that​​ we​​ may​​ have​​ to​​ deactivate​​ your​​ Card​​ and/or​​ Card​​ Account​​ to​​ prevent​​ future​​ losses.​​ If​​ you​​ share​​ your​​ Card​​ or​​ Access​​ Code​​ (PIN)​​ with​​ another​​ person,​​ use​​ of​​ your​​ Card​​ Account​​ by​​ that​​ person​​ may​​ be​​ considered​​ as​​ authorized.​​ If​​ you​​ authorize​​ another​​ person​​ to​​ use​​ your​​ Card​​ or​​ Access​​ Code​​ (PIN),​​ you​​ agree​​ that​​ you​​ will​​ be​​ liable​​ for​​ all​​ transactions​​ arising​​ from​​ use​​ of​​ the​​ Card​​ or​​ Access​​ Code​​ (PIN)​​ by​​ such​​ person​​ except​​ as​​ otherwise​​ set​​ forth​​ in​​ this​​ Agreement.​​ In​​ all​​ cases,​​ our​​ liability​​ for​​ an​​ unauthorized​​ transaction​​ is​​ limited​​ to​​ reimbursing​​ you​​ for​​ the​​ face​​ amount​​ of​​ the​​ unauthorized​​ transaction​​ and​​ any​​ corresponding​​ fees,​​ except​​ as​​ otherwise​​ required​​ by​​ applicable​​ law. ​​​​ A​​ transaction​​ is​​ unauthorized​​ if​​ it​​ is​​ not​​ initiated​​ by​​ you,​​ you​​ did​​ not​​ give​​ permission​​ to​​ make​​ the​​ transaction​​ and​​ you​​ do​​ not​​ benefit​​ from​​ the​​ transaction​​ in​​ any​​ way. ​​​​ Mastercard’s​​ Zero​​ Liability​​ policy​​ covers​​ U.S.–issued​​ cards​​ only​​ and​​ does​​ not​​ apply​​ to​​ ATM​​ transactions​​ outside​​ the​​ Mastercard​​ network,​​ PIN​​ transactions​​ not​​ processed​​ by​​ Mastercard,​​ or​​ certain​​ commercial​​ card​​ transactions.​​ Cardholder​​ must​​ notify​​ us​​ promptly​​ of​​ any​​ unauthorized​​ use.

 

  •  ​​​​ Other​​ Terms. ​​​​ Your​​ Card​​ and​​ your​​ obligations​​ under​​ this​​ Agreement​​ may​​ not​​ be​​ assigned.​​ We​​ may​​ transfer​​ our​​ rights​​ under​​ this​​ Agreement.​​ Use​​ of​​ your​​ Card​​ is​​ subject​​ to​​ all​​ applicable​​ rules​​ and​​ customs​​ of​​ any​​ clearinghouse​​ or​​ other​​ association​​ involved​​ in​​ transactions.​​ We​​ do​​ not​​ waive​​ our​​ rights​​ by​​ delaying​​ or​​ failing​​ to​​ exercise​​ them​​ at​​ any​​ time.​​ If​​ any​​ provision​​ of​​ this​​ Agreement​​ is​​ determined​​ to​​ be​​ invalid​​ or​​ unenforceable​​ under​​ any​​ rule,​​ law,​​ or​​ regulation​​ of​​ any​​ governmental​​ agency,​​ whether​​ local,​​ state,​​ or​​ federal,​​ the​​ validity​​ or​​ enforceability​​ of​​ any​​ other​​ provision​​ of​​ this​​ Agreement​​ shall​​ not​​ be​​ affected.​​ This​​ Agreement​​ shall​​ be​​ governed​​ by​​ the​​ law​​ of​​ the​​ State​​ of​​ Florida​​ except​​ to​​ the​​ extent​​ preempted​​ or​​ governed​​ by​​ federal​​ law.

 

  •  ​​​​ Amendment​​ and​​ Cancellation. ​​​​ We​​ or​​ the​​ Bank​​ may​​ amend​​ or​​ change​​ the​​ terms​​ and​​ conditions​​ of​​ this​​ Agreement​​ at​​ any​​ time.​​ You​​ will​​ be​​ notified​​ of​​ any​​ change​​ in​​ the​​ manner​​ provided​​ by​​ applicable​​ law​​ before​​ the​​ effective​​ date​​ of​​ the​​ change.​​ However,​​ if​​ the​​ change​​ is​​ made​​ for​​ security​​ purposes,​​ we​​ or​​ the​​ Bank​​ can​​ implement​​ such​​ change​​ without​​ prior​​ notice.​​ We​​ or​​ the​​ Bank​​ may​​ cancel​​ or​​ suspend​​ your​​ Card​​ or​​ this​​ Agreement​​ at​​ any​​ time.​​ You​​ also​​ may​​ cancel​​ this​​ Agreement​​ by​​ returning​​ the​​ Card​​ to​​ us​​ or​​ by​​ calling​​ 1-877-440-2889​​ or​​ customer​​ service​​ at​​ the​​ number​​ on​​ the​​ back​​ of​​ your​​ Card. ​​​​ If​​ you​​ cancel​​ your​​ Card,​​ you​​ may​​ zero​​ out​​ you​​ Card​​ Account​​ balance​​ before​​ closing​​ your​​ Card​​ Account​​ or​​ request​​ that​​ we​​ send​​ you​​ a​​ check​​ in​​ the​​ amount​​ of​​ your​​ Card​​ Account​​ balance​​ when​​ you​​ close​​ your​​ Card​​ Account,​​ which​​ we​​ will​​ do​​ for​​ a​​ fee​​ as​​ set​​ forth​​ in​​ the​​ Schedule​​ of​​ Fees​​ and​​ Charges​​ attached​​ to​​ this​​ Agreement.​​ If​​ your​​ Card​​ is​​ canceled​​ by​​ us​​ when​​ your​​ Card​​ Account​​ has​​ a​​ balance,​​ we​​ will​​ send​​ you​​ a​​ check​​ in​​ the​​ amount​​ of​​ your​​ Card​​ Account​​ balance​​ for​​ no​​ charge. ​​​​ In​​ all​​ events,​​ any​​ check​​ we​​ send​​ will​​ be​​ sent​​ to​​ the​​ address​​ we​​ have​​ for​​ you​​ in​​ our​​ records.​​ Your​​ termination​​ of​​ this​​ Agreement​​ will​​ not​​ affect​​ any​​ of​​ our​​ rights​​ or​​ your​​ obligations​​ arising​​ under​​ this​​ Agreement​​ before​​ termination.​​ 

 

  •  ​​​​ Telephone​​ Monitoring/Recording. ​​​​ From​​ time​​ to​​ time​​ we​​ may​​ monitor​​ and/or​​ record​​ telephone​​ calls​​ between​​ you​​ and​​ us​​ to​​ assure​​ the​​ quality​​ of​​ our​​ customer​​ service​​ or​​ as​​ required​​ by​​ applicable​​ law.

 

  •  ​​​​ No​​ Warranty​​ Regarding​​ Goods​​ and​​ Services. ​​​​ We​​ are​​ not​​ responsible​​ for​​ the​​ quality,​​ safety,​​ legality,​​ or​​ any​​ other​​ aspect​​ of​​ any​​ goods​​ or​​ services​​ you​​ purchase​​ with​​ your​​ Card.

 

  •  ​​​​ Arbitration​​ Provision. ​​​​ This​​ Arbitration​​ Provision​​ sets​​ forth​​ the​​ circumstances​​ and​​ procedures​​ under​​ which​​ claims​​ (as​​ defined​​ below)​​ shall​​ be​​ arbitrated​​ instead​​ of​​ litigated​​ in​​ court​​ upon​​ the​​ election​​ of​​ either​​ party.

 ​​ ​​ ​​ ​​ ​​​​ (a)​​ Definitions: ​​​​ As​​ used​​ in​​ this​​ Arbitration​​ Provision,​​ the​​ term​​ “Claim”​​ means​​ any​​ claim,​​ dispute​​ or​​ controversy​​ between​​ you​​ and​​ us,​​ or​​ between​​ you​​ and​​ QRails​​ Inc.,​​ the​​ Program​​ Manager​​ for​​ the​​ TrustFund​​ Mastercard​​ Prepaid​​ Card​​ or​​ any​​ of​​ its​​ agents​​ or​​ retailers,​​ arising​​ from​​ or​​ relating​​ to​​ the​​ Card​​ or​​ this​​ Agreement​​ as​​ well​​ as​​ any​​ related​​ or​​ prior​​ agreement​​ that​​ you​​ may​​ have​​ had​​ with​​ us​​ or​​ the​​ relationships​​ resulting​​ from​​ this​​ Agreement,​​ including​​ the​​ validity,​​ enforceability​​ or​​ scope​​ of​​ this​​ Arbitration​​ Provision​​ or​​ the​​ Agreement.​​ “Claim”​​ includes​​ claims​​ of​​ every​​ kind​​ and​​ nature,​​ including​​ but​​ not​​ limited​​ to​​ initial​​ claims,​​ counterclaims,​​ cross-claims​​ and​​ third-party​​ claims​​ and​​ claims​​ based​​ upon​​ contract,​​ tort,​​ fraud​​ and​​ other​​ intentional​​ torts,​​ statutes,​​ regulations,​​ common​​ law​​ and​​ equity.​​ The​​ term​​ “Claim”​​ is​​ to​​ be​​ given​​ the​​ broadest​​ possible​​ meaning​​ that​​ will​​ be​​ enforced​​ and​​ includes,​​ by​​ way​​ of​​ example​​ and​​ without​​ limitation,​​ any​​ claim,​​ dispute​​ or​​ controversy​​ that​​ arises​​ from​​ or​​ relates​​ to​​ (i)​​ your​​ Card,​​ or​​ the​​ Cards​​ of​​ any​​ additional​​ cardholders​​ designated​​ by​​ you;​​ (ii)​​ the​​ amount​​ of​​ available​​ funds​​ on​​ the​​ Cards;​​ (iii)​​ advertisements,​​ promotions​​ or​​ oral​​ or​​ written​​ statements​​ related​​ to​​ the​​ Cards,​​ goods​​ or​​ services​​ purchased​​ with​​ the​​ Cards;​​ (iv)​​ the​​ benefits​​ and​​ services​​ related​​ to​​ the​​ Cards;​​ and​​ (v)​​ your​​ enrollment​​ for​​ any​​ Card.​​ We​​ shall​​ not​​ elect​​ to​​ use​​ arbitration​​ under​​ the​​ Arbitration​​ Provision​​ for​​ any​​ Claim​​ that​​ you​​ properly​​ file​​ and​​ pursue​​ in​​ a​​ small​​ claims​​ court​​ of​​ your​​ state​​ or​​ municipality​​ so​​ long​​ as​​ the​​ Claim​​ is​​ individual​​ and​​ pending​​ only​​ in​​ that​​ court;​​ any​​ appeals​​ from​​ that​​ court​​ shall​​ be​​ pursued​​ only​​ in​​ arbitration.​​ As​​ used​​ in​​ this​​ Arbitration​​ Provision,​​ the​​ terms​​ “we”​​ and​​ “us”​​ shall​​ for​​ all​​ purposes​​ mean​​ the​​ Program​​ Manager,​​ wholly​​ or​​ majority​​ owned​​ subsidiaries,​​ affiliates,​​ licensees,​​ predecessors,​​ successors,​​ and​​ assigns;​​ and​​ all​​ of​​ their​​ agents,​​ employees,​​ directors​​ and​​ representatives.​​ In​​ addition,​​ “we”​​ or​​ “us”​​ shall​​ include​​ any​​ third​​ party​​ using​​ or​​ providing​​ any​​ product,​​ service​​ or​​ benefit​​ in​​ connection​​ with​​ any​​ Cards​​ (including,​​ but​​ not​​ limited​​ to​​ merchants​​ who​​ accept​​ the​​ Card,​​ third​​ parties​​ who​​ use​​ or​​ provide​​ services,​​ debt​​ collectors​​ and​​ all​​ of​​ their​​ agents,​​ employees,​​ directors​​ and​​ representatives)​​ if,​​ and​​ only​​ if,​​ such​​ third​​ party​​ is​​ named​​ as​​ a​​ co-party​​ with​​ us​​ (or​​ files​​ a​​ Claim​​ with​​ or​​ against​​ us)​​ in​​ connection​​ with​​ a​​ Claim​​ asserted​​ by​​ you.​​ As​​ solely​​ used​​ in​​ this​​ Arbitration​​ Provision,​​ the​​ terms​​ “you”​​ or​​ “yours”​​ shall​​ mean​​ all​​ persons​​ or​​ entities​​ approved​​ by​​ us​​ to​​ have​​ and/or​​ use​​ a​​ Card,​​ including​​ but​​ not​​ limited​​ to​​ all​​ persons​​ or​​ entities​​ contractually​​ obligated​​ under​​ any​​ of​​ the​​ Agreements​​ and​​ all​​ additional​​ cardholders.

 ​​ ​​ ​​ ​​​​ (b)​​ Initiation​​ of​​ Arbitration​​ Proceeding/Selection​​ of​​ Administrator:​​ ​​ Any​​ Claim​​ shall​​ be​​ resolved,​​ upon​​ the​​ election​​ by​​ you​​ or​​ us,​​ by​​ arbitration​​ pursuant​​ to​​ this​​ Arbitration​​ Provision​​ and​​ the​​ code​​ of​​ procedures​​ of​​ the​​ national​​ arbitration​​ organization​​ to​​ which​​ the​​ Claim​​ is​​ referred​​ in​​ effect​​ at​​ the​​ time​​ the​​ Claim​​ is​​ filed.​​ Claims​​ shall​​ be​​ referred​​ to​​ either​​ Judicial​​ Arbitration​​ and​​ Mediation​​ Services​​ (“JAMS”)​​ or​​ the​​ American​​ Arbitration​​ Association​​ (“AAA”),​​ as​​ selected​​ by​​ the​​ party​​ electing​​ to​​ use​​ arbitration.​​ If​​ a​​ selection​​ by​​ us​​ of​​ one​​ of​​ these​​ organizations​​ is​​ unacceptable​​ to​​ you,​​ you​​ shall​​ have​​ the​​ right​​ within​​ thirty​​ (30)​​ days​​ after​​ you​​ receive​​ notice​​ of​​ our​​ election​​ to​​ select​​ the​​ other​​ organization​​ listed​​ to​​ serve​​ as​​ arbitrator​​ administrator.​​ For​​ a​​ copy​​ of​​ the​​ procedures,​​ to​​ file​​ a​​ Claim​​ or​​ for​​ other​​ information​​ about​​ these​​ organizations,​​ contact​​ them​​ as​​ follows:​​ (i)​​ JAMS​​ at​​ 1920​​ Main​​ Street,​​ Suite​​ 300,​​ Los​​ Angeles,​​ CA​​ 92614;​​ website​​ at​​ www.jamsadr.com;​​ and​​ (ii)​​ AAA​​ at​​ 335​​ Madison​​ Avenue,​​ New​​ York,​​ NY​​ 10017;​​ website​​ at​​ www.adr.org.

 ​​ ​​ ​​ ​​ ​​​​ (c)​​ Significance​​ of​​ Arbitration:​​ ​​ IF​​ ARBITRATION​​ IS​​ CHOSEN​​ BY​​ ANY​​ PARTY​​ WITH​​ RESPECT​​ TO​​ A​​ CLAIM,​​ NEITHER​​ YOU​​ NOR​​ WE​​ WILL​​ HAVE​​ THE​​ RIGHT​​ TO​​ LITIGATE​​ THAT​​ CLAIM​​ IN​​ COURT​​ OR​​ HAVE​​ A​​ JURY​​ TRIAL​​ ON​​ THAT​​ CLAIM,​​ OR​​ TO​​ ENGAGE​​ IN​​ DISCOVERY​​ EXCEPT​​ AS​​ PROVIDED​​ FOR​​ IN​​ THE​​ CODE​​ OF​​ PROCEDURES​​ OF​​ JAMS​​ OR​​ AAA,​​ AS​​ APPLICABLE​​ (THE​​ “CODE”).​​ FURTHER,​​ YOU​​ WILL​​ NOT​​ HAVE​​ THE​​ RIGHT​​ TO​​ PARTICIPATE​​ IN​​ A​​ REPRESENTATIVE​​ CAPACITY​​ OR​​ AS​​ A​​ MEMBER​​ OF​​ ANY​​ CLASS​​ OF​​ CLAIMANTS​​ PERTAINING​​ TO​​ ANY​​ CLAIM​​ SUBJECT​​ TO​​ ARBITRATION.​​ THE​​ ARBITRATOR​​ SHALL​​ NOT​​ CONDUCT​​ A​​ CLASS​​ ARBITRATION​​ OR​​ A​​ JOINT​​ ARBITRATION​​ EXCEPT​​ AS​​ SET​​ FORTH​​ BELOW.​​ THE​​ ARBITRATOR’S​​ DECISION​​ WILL​​ BE​​ FINAL​​ AND​​ BINDING.​​ NOTE​​ THAT​​ OTHER​​ RIGHTS​​ THAT​​ YOU​​ WOULD​​ HAVE​​ IF​​ YOU​​ WENT​​ TO​​ COURT​​ ALSO​​ MAY​​ NOT​​ BE​​ AVAILABLE​​ IN​​ ARBITRATION.​​ 

 ​​ ​​ ​​ ​​ ​​​​ (d)​​ Restrictions​​ on​​ Arbitration: ​​​​ If​​ either​​ party​​ elects​​ to​​ resolve​​ a​​ Claim​​ by​​ arbitration,​​ that​​ Claim​​ shall​​ be​​ arbitrated​​ on​​ an​​ individual​​ basis.​​ There​​ shall​​ be​​ no​​ right​​ or​​ authority​​ for​​ any​​ Claims​​ to​​ be​​ arbitrated​​ on​​ a​​ class​​ action​​ basis​​ or​​ on​​ bases​​ involving​​ Claims​​ brought​​ in​​ a​​ purported​​ representative​​ capacity​​ on​​ behalf​​ of​​ the​​ general​​ public,​​ other​​ Cardholders​​ or​​ other​​ persons​​ similarly​​ situated.​​ The​​ arbitrator’s​​ authority​​ to​​ resolve​​ Claims​​ is​​ limited​​ to​​ Claims​​ between​​ you​​ and​​ us​​ alone,​​ and​​ the​​ arbitrator’s​​ authority​​ to​​ make​​ awards​​ is​​ limited​​ to​​ you​​ and​​ us​​ alone.​​ Furthermore,​​ Claims​​ brought​​ by​​ you​​ against​​ us​​ or​​ by​​ us​​ against​​ you​​ may​​ not​​ be​​ joined​​ or​​ consolidated​​ in​​ arbitration​​ with​​ Claims​​ brought​​ by​​ or​​ against​​ someone​​ other​​ than​​ you,​​ unless​​ otherwise​​ agreed​​ to​​ in​​ writing​​ by​​ all​​ parties.

 ​​ ​​ ​​ ​​ ​​​​ (e)​​ Location​​ of​​ Arbitration/Payment​​ of​​ Fees: ​​​​ Any​​ arbitration​​ hearing​​ that​​ you​​ attend​​ shall​​ take​​ place​​ in​​ the​​ federal​​ judicial​​ district​​ of​​ your​​ residence.​​ At​​ your​​ written​​ request,​​ we​​ will​​ consider​​ in​​ good​​ faith​​ making​​ a​​ temporary​​ advance​​ of​​ all​​ or​​ part​​ of​​ the​​ filing​​ administrative​​ and/or​​ hearing​​ fees​​ for​​ any​​ Claim​​ you​​ initiate​​ as​​ to​​ which​​ you​​ or​​ we​​ seek​​ arbitration.​​ At​​ the​​ conclusion​​ of​​ the​​ arbitration​​ (or​​ any​​ appeal​​ thereof),​​ the​​ arbitrator​​ (or​​ panel)​​ will​​ decide​​ who​​ will​​ ultimately​​ be​​ responsible​​ for​​ paying​​ the​​ filing,​​ administrative​​ and/or​​ hearing​​ fees​​ in​​ connection​​ with​​ the​​ arbitration​​ (or​​ appeal).​​ If​​ and​​ to​​ the​​ extent​​ you​​ incur​​ filing,​​ administrative​​ and/or​​ hearing​​ fees​​ in​​ arbitration,​​ including​​ for​​ any​​ appeal,​​ exceeding​​ the​​ amount​​ they​​ would​​ have​​ been​​ if​​ the​​ Claim​​ had​​ been​​ brought​​ in​​ the​​ state​​ or​​ federal​​ court​​ which​​ is​​ closest​​ to​​ your​​ billing​​ address​​ and​​ would​​ have​​ had​​ jurisdiction​​ over​​ the​​ Claim,​​ we​​ will​​ reimburse​​ you​​ to​​ that​​ extent​​ unless​​ the​​ arbitrator​​ (or​​ panel)​​ determines​​ that​​ the​​ fees​​ were​​ incurred​​ without​​ any​​ substantial​​ justification.

 ​​ ​​ ​​ ​​ ​​​​ (f)​​ Arbitration​​ Procedures: ​​​​ This​​ Arbitration​​ Provision​​ is​​ made​​ pursuant​​ to​​ a​​ transaction​​ involving​​ interstate​​ commerce,​​ and​​ shall​​ be​​ governed​​ by​​ the​​ Federal​​ Arbitration​​ Act,​​ 9​​ U.S.C.​​ Sections​​ 1-16,​​ as​​ it​​ may​​ be​​ amended​​ (the​​ “FAA”).​​ The​​ arbitration​​ shall​​ be​​ governed​​ by​​ the​​ applicable​​ Code,​​ except​​ that​​ (to​​ the​​ extent​​ enforceable​​ under​​ the​​ FAA)​​ this​​ arbitration​​ Provision​​ shall​​ control​​ if​​ it​​ is​​ inconsistent​​ with​​ the​​ applicable​​ Code.​​ The​​ arbitrator​​ shall​​ apply​​ applicable​​ substantive​​ law​​ consistent​​ with​​ the​​ FAA​​ and​​ applicable​​ statutes​​ of​​ limitations​​ and​​ shall​​ honor​​ claims​​ of​​ privilege​​ recognized​​ at​​ law​​ and,​​ at​​ the​​ timely​​ request​​ of​​ either​​ party,​​ shall​​ provide​​ a​​ brief​​ written​​ explanation​​ of​​ the​​ basis​​ for​​ the​​ decision.​​ In​​ conducting​​ the​​ arbitration​​ proceeding,​​ the​​ arbitrator​​ shall​​ not​​ apply​​ the​​ Federal​​ or​​ any​​ state​​ rules​​ of​​ civil​​ procedure​​ or​​ rules​​ of​​ evidence.​​ Either​​ party​​ may​​ submit​​ a​​ request​​ to​​ the​​ arbitrator​​ to​​ expand​​ the​​ scope​​ of​​ discovery​​ allowable​​ under​​ the​​ applicable​​ Code.​​ The​​ party​​ submitting​​ such​​ a​​ request​​ must​​ provide​​ a​​ copy​​ to​​ the​​ other​​ party,​​ who​​ may​​ submit​​ objections​​ to​​ the​​ arbitrator​​ with​​ a​​ copy​​ of​​ the​​ objections​​ provided​​ to​​ the​​ request​​ party,​​ within​​ fifteen​​ (15)​​ days​​ of​​ receiving​​ the​​ requesting​​ party’s​​ notice.​​ The​​ granting​​ or​​ denial​​ of​​ such​​ request​​ will​​ be​​ in​​ the​​ sole​​ discretion​​ of​​ the​​ arbitrator​​ who​​ shall​​ notify​​ the​​ parties​​ of​​ his/her​​ decision​​ within​​ twenty​​ (20)​​ days​​ of​​ the​​ objecting​​ party’s​​ submission.​​ The​​ arbitrator​​ shall​​ take​​ reasonable​​ steps​​ to​​ preserve​​ the​​ privacy​​ of​​ individuals,​​ and​​ of​​ business​​ matters.​​ Judgment​​ upon​​ the​​ award​​ rendered​​ by​​ the​​ arbitrator​​ may​​ be​​ entered​​ in​​ any​​ court​​ having​​ jurisdiction.​​ The​​ arbitrator’s​​ decision​​ will​​ be​​ final​​ and​​ binding,​​ except​​ for​​ any​​ right​​ of​​ appeal​​ provided​​ by​​ the​​ FAA.​​ However,​​ any​​ party​​ can​​ appeal​​ that​​ award​​ to​​ a​​ three-arbitrator​​ panel​​ administered​​ by​​ the​​ same​​ arbitration​​ organization,​​ which​​ shall​​ consider​​ anew​​ any​​ aspect​​ of​​ the​​ initial​​ award​​ objected​​ to​​ by​​ the​​ appealing​​ party.​​ The​​ appealing​​ party​​ shall​​ have​​ thirty​​ (30)​​ days​​ from​​ the​​ date​​ of​​ entry​​ of​​ the​​ written​​ arbitration​​ award​​ to​​ notify​​ the​​ arbitration​​ organization​​ that​​ it​​ is​​ exercising​​ the​​ right​​ of​​ appeal.​​ The​​ appeal​​ shall​​ be​​ filed​​ with​​ the​​ arbitration​​ organization​​ in​​ the​​ form​​ of​​ a​​ dated​​ writing.​​ The​​ arbitration​​ organization​​ will​​ then​​ notify​​ the​​ other​​ party​​ that​​ the​​ award​​ has​​ been​​ appealed.​​ The​​ arbitration​​ organization​​ will​​ appoint​​ a​​ three-arbitrator​​ panel​​ which​​ will​​ conduct​​ arbitration​​ pursuant​​ to​​ its​​ Code​​ and​​ issue​​ its​​ decision​​ within​​ one​​ hundred​​ twenty​​ (120)​​ days​​ of​​ the​​ date​​ of​​ the​​ appellant’s​​ written​​ notice.​​ The​​ decision​​ of​​ the​​ panel​​ shall​​ be​​ by​​ majority​​ vote​​ and​​ shall​​ be​​ final​​ and​​ binding.

 ​​ ​​ ​​ ​​ ​​​​ (g)​​ Continuation: ​​​​ This​​ Arbitration​​ Provision​​ shall​​ survive​​ termination​​ of​​ your​​ Card​​ as​​ well​​ as​​ voluntary​​ payment​​ of​​ the​​ debt​​ in​​ full​​ by​​ you,​​ any​​ legal​​ proceeding​​ by​​ us​​ to​​ collect​​ a​​ debt​​ owed​​ by​​ you,​​ and​​ any​​ bankruptcy​​ by​​ you​​ or​​ us.​​ If​​ any​​ portion​​ of​​ this​​ Arbitration​​ Provision​​ is​​ deemed​​ invalid​​ or​​ unenforceable​​ under​​ any​​ principle​​ or​​ provision​​ of​​ law​​ or​​ equity,​​ consistent​​ with​​ the​​ FAA,​​ it​​ shall​​ not​​ invalidate​​ the​​ remaining​​ portions​​ of​​ this​​ Arbitration​​ Provision,​​ the​​ Agreement​​ or​​ any​​ prior​​ agreement​​ you​​ may​​ have​​ had​​ with​​ us,​​ each​​ of​​ which​​ shall​​ be​​ enforceable​​ regardless​​ of​​ such​​ invalidity.​​ 

 

  • Prefunded​​ Check​​ Transactions​​ (“Check​​ Terms”). ​​​​ We​​ do​​ not​​ provide​​ the​​ service​​ to​​ use​​ prefunded​​ checks​​ to​​ access​​ the​​ funds​​ in​​ your​​ Card​​ Account​​ (“Checks”). ​​​​ The​​ service​​ of​​ prefunded​​ checks​​ transactions​​ is​​ not​​ provided​​ under​​ this​​ program

 ​​​​ 

  • Delivery​​ of​​ Electronic​​ Communications

The​​ following​​ E-Communication​​ Disclosure​​ (“Disclosure”)​​ applies​​ to​​ any​​ and​​ all​​ communications​​ or​​ disclosures​​ that​​ we​​ are​​ legally​​ required​​ to​​ provide​​ to​​ you​​ in​​ writing​​ in​​ connection​​ with​​ your​​ Card​​ Account​​ and​​ any​​ related​​ products​​ and​​ services​​ (“Communications”),​​ to​​ the​​ extent​​ you​​ have​​ consented​​ to​​ receiving​​ such​​ Communications​​ electronically​​ and​​ failure​​ to​​ consent​​ will​​ result​​ in​​ a​​ declined​​ application​​ for​​ a​​ TrustFund​​ Mastercard​​ Prepaid​​ Card,​​ except​​ as​​ provided​​ below. ​​​​ 

 

Scope​​ of​​ Communications​​ to​​ Be​​ Provided​​ in​​ Electronic​​ Form. ​​​​ When​​ you​​ use​​ a​​ product​​ or​​ service​​ to​​ which​​ this​​ Disclosure​​ applies,​​ you​​ agree​​ that​​ we​​ may​​ provide​​ you​​ with​​ any​​ Communications​​ in​​ electronic​​ format,​​ and​​ that​​ we​​ may​​ discontinue​​ sending​​ paper​​ Communications​​ to​​ you,​​ unless​​ and​​ until​​ you​​ withdraw​​ your​​ consent​​ as​​ described​​ below. ​​​​ Your​​ consent​​ to​​ receive​​ electronic​​ Communications​​ includes,​​ but​​ is​​ not​​ limited​​ to:

 

  • All​​ legal​​ and​​ regulatory​​ disclosures​​ and​​ communications​​ associated​​ with​​ your​​ Card​​ Account​​ and​​ any​​ related​​ products​​ or​​ services

  • Your​​ Cardholder​​ Agreement​​ and​​ any​​ notices​​ about​​ a​​ change​​ in​​ terms​​ of​​ your​​ Cardholder​​ Agreement

  • Privacy​​ policies​​ and​​ notices

  • Error​​ resolution​​ policies​​ and​​ notices

  • Responses​​ to​​ claims​​ filed​​ in​​ connection​​ with​​ your​​ Card​​ Account

  • Notices​​ regarding​​ insufficient​​ funds​​ or​​ negative​​ balances

 

Method​​ of​​ Providing​​ Communications​​ to​​ You​​ in​​ Electronic​​ Form. ​​​​ All​​ Communications​​ that​​ we​​ provide​​ to​​ you​​ in​​ electronic​​ form​​ will​​ be​​ provided​​ either​​ (1)​​ by​​ access​​ to​​ a​​ web​​ site​​ that​​ we​​ will​​ designate​​ in​​ an​​ e-mail​​ notice​​ we​​ send​​ to​​ you​​ at​​ the​​ time​​ the​​ information​​ is​​ available,​​ or​​ (2)​​ by​​ posting​​ such​​ Communications​​ on​​ our​​ website​​ at​​ //trytrustfund.com.

 

How​​ to​​ Withdraw​​ Consent. ​​​​ You​​ may​​ withdraw​​ your​​ consent​​ to​​ receive​​ Communications​​ in​​ electronic​​ form​​ at​​ any​​ time​​ by​​ contacting​​ us​​ at​​ 1-877-440-2889​​ or​​ visiting​​ the​​ //trytrustfund.com​​ website​​ or​​ write​​ to​​ PO​​ Box​​ 370898,​​ Denver,​​ CO​​ 80237. ​​​​ If​​ you​​ do​​ withdraw​​ your​​ consent,​​ we​​ will​​ send​​ subsequent​​ communications​​ to​​ you​​ in​​ writing​​ to​​ the​​ most​​ current​​ address​​ we​​ have​​ for​​ you​​ in​​ our​​ records. ​​​​ We​​ will​​ not​​ impose​​ any​​ fee​​ to​​ process​​ the​​ withdrawal​​ of​​ your​​ consent​​ to​​ receive​​ electronic​​ Communications. ​​​​ Any​​ withdrawal​​ of​​ your​​ consent​​ to​​ receive​​ electronic​​ Communications​​ will​​ be​​ effective​​ only​​ after​​ we​​ have​​ a​​ reasonable​​ period​​ of​​ time​​ to​​ process​​ your​​ request​​ for​​ withdrawal. ​​​​ In​​ the​​ meantime,​​ you​​ will​​ continue​​ to​​ receive​​ Communications​​ in​​ electronic​​ form. ​​​​ If​​ you​​ withdraw​​ your​​ consent,​​ the​​ legal​​ validity​​ and​​ enforceability​​ of​​ prior​​ Communications​​ delivered​​ in​​ electronic​​ form​​ will​​ not​​ be​​ affected. ​​​​ 

 

How​​ to​​ Update​​ Your​​ Records. ​​​​ It​​ is​​ your​​ responsibility​​ to​​ provide​​ us​​ with​​ a​​ true,​​ accurate​​ and​​ complete​​ e-mail​​ address​​ (if​​ you​​ have​​ elected​​ to​​ receive​​ e-mail​​ messages​​ from​​ us),​​ your​​ contact​​ information,​​ and​​ other​​ information​​ related​​ to​​ this​​ Disclosure​​ and​​ your​​ Card​​ Account,​​ and​​ to​​ maintain​​ and​​ update​​ promptly​​ any​​ changes​​ in​​ this​​ information. ​​​​ You​​ can​​ update​​ information​​ (such​​ as​​ your​​ e-mail​​ address)​​ through​​ //trytrustfund.com​​ or​​ by​​ contacting​​ us​​ at​​ 1-877-440-2889.

 

Requesting​​ Paper​​ Copies.​​ We​​ will​​ not​​ send​​ you​​ a​​ paper​​ copy​​ of​​ any​​ Communication,​​ unless​​ you​​ request​​ it​​ or​​ we​​ otherwise​​ deem​​ it​​ appropriate​​ to​​ do​​ so.​​ You​​ can​​ obtain​​ a​​ paper​​ copy​​ of​​ an​​ electronic​​ Communication​​ by​​ printing​​ it​​ yourself​​ or​​ by​​ requesting​​ that​​ we​​ mail​​ you​​ a​​ paper​​ copy,​​ provided​​ that​​ such​​ request​​ is​​ made​​ within​​ a​​ reasonable​​ time​​ after​​ we​​ first​​ provided​​ the​​ electronic​​ Communication​​ to​​ you.​​ To​​ request​​ a​​ paper​​ copy,​​ contact​​ us​​ by​​ calling​​ 1-877-440-2889​​ or​​ writing​​ to​​ us​​ at​​ PO​​ Box​​ 370898,​​ Denver,​​ CO​​ 80237.​​ ​​ 

 

Termination/Changes.​​ We​​ reserve​​ the​​ right,​​ in​​ our​​ sole​​ discretion,​​ to​​ discontinue​​ the​​ provision​​ of​​ your​​ electronic​​ Communications,​​ or​​ to​​ terminate​​ or​​ change​​ the​​ terms​​ and​​ conditions​​ on​​ which​​ we​​ provide​​ electronic​​ Communications.​​ We​​ will​​ provide​​ you​​ with​​ notice​​ of​​ any​​ such​​ termination​​ or​​ change​​ as​​ required​​ by​​ law.

 

 

 

Schedule​​ of​​ Fees​​ and​​ Charges​​ 

List​​ of​​ all​​ fees​​ for​​ TrustFund​​ Prepaid​​ Card

All​​ Fees

Amount

Details

Get​​ Started

Card​​ Purchase

$0.00

 

Monthly​​ Usage

Monthly​​ Fee

$0.00

 

Add​​ Money

Direct​​ Deposit

$0.00

 

Spend​​ Money

Bill​​ Pay​​ (Regular​​ Delivery)

$1.00

Bill​​ pay​​ is​​ available​​ when​​ you​​ log​​ in​​ to​​ your​​ //trytrustfund.com.​​ Regular​​ bill​​ pay​​ transactions​​ will​​ be​​ completed​​ within​​ 3​​ business​​ days​​ for​​ electronic​​ payments​​ and​​ within​​ approximately​​ 7​​ days​​ if​​ we​​ have​​ to​​ mail​​ a​​ paper​​ check​​ to​​ pay​​ your​​ bill.

Bill​​ Payment​​ Stop​​ Payment​​ Transaction

$30.00

This​​ is​​ our​​ fee.​​ You​​ can​​ stop​​ the​​ payment​​ by​​ notifying​​ us​​ orally​​ via​​ phone​​ or​​ in​​ writing​​ at​​ least​​ three​​ (3)​​ business​​ days​​ before​​ the​​ scheduled​​ date​​ of​​ the​​ transfer

Domestic​​ POS​​ Decline

$0.00

This​​ is​​ our​​ fee.​​ 

Get​​ Cash

ATM​​ Withdrawal​​ (in-network)

$2.50

"In-network"​​ refers​​ to​​ the​​ MoneyPass​​ ATM​​ Network.​​ Locations​​ can​​ be​​ found​​ at​​ www.moneypass.com/atm-locator.html.​​ This​​ includes​​ 1​​ free​​ per​​ pay​​ period.

ATM​​ Withdrawal​​ (out-of-network)

$2.50

This​​ is​​ our​​ fee.​​ "Out-of-network"​​ refers​​ to​​ all​​ the​​ ATMs​​ outside​​ of​​ the​​ MoneyPass​​ ATM​​ Network.​​ You​​ may​​ also​​ be​​ charged​​ a​​ fee​​ by​​ the​​ ATM​​ operator,​​ even​​ if​​ you​​ do​​ not​​ complete​​ a​​ transaction.

Information

Customer​​ Service​​ (automated​​ or​​ live​​ agent)

$0

No​​ fee​​ for​​ calling​​ our​​ automated​​ or​​ live​​ agent​​ customer​​ service​​ line,​​ including​​ for​​ balance​​ inquiries.

ATM​​ Balance​​ Inquiry​​ (in-network)

$1.00

"In-network"​​ refers​​ to​​ the​​ MoneyPass​​ ATM​​ Network.​​ Locations​​ can​​ be​​ found​​ at​​ www.moneypass.com/atm-locator.html.​​ 

ATM​​ Balance​​ Inquiry​​ (out-of-network)

$1.00

This​​ is​​ our​​ fee.​​ "Out-of-network"​​ refers​​ to​​ all​​ the​​ ATMs​​ outside​​ of​​ the​​ MoneyPass​​ ATM​​ Network.​​ You​​ may​​ also​​ be​​ charged​​ a​​ fee​​ by​​ the​​ ATM​​ operator.

Using​​ your​​ card​​ outside​​ of​​ the​​ US

International​​ Transaction

3%

Of​​ the​​ US​​ dollar​​ amount​​ of​​ each​​ transaction.​​ Third​​ party​​ fees​​ and​​ rates​​ may​​ apply.

International​​ POS​​ Decline

$0.00

This​​ is​​ our​​ fee.

International​​ ATM​​ Withdrawal

$2.50

This​​ is​​ our​​ fee.​​ You​​ may​​ also​​ be​​ charged​​ a​​ fee​​ by​​ the​​ ATM​​ operator,​​ even​​ if​​ you​​ do​​ not​​ complete​​ the​​ transaction.

International​​ ATM​​ Balance​​ Inquiry​​ 

$1.00

This​​ is​​ our​​ fee.​​ You​​ may​​ also​​ be​​ charged​​ a​​ fee​​ by​​ the​​ ATM​​ operator.

Other

Inactivity

$4.95

You​​ will​​ be​​ charged​​ $4.95​​ each​​ month​​ after​​ you​​ have​​ not​​ completed​​ a​​ transaction​​ using​​ your​​ card​​ for​​ 6​​ months.

ACH​​ Transfer​​ from​​ Card​​ to​​ Bank​​ Account

$1.00

This​​ is​​ our​​ fee.

Replacement​​ Card

$4.95

This​​ is​​ our​​ fee.

Replacement​​ Card​​ –​​ Expedited​​ to​​ Home​​ Address

$35.00

This​​ is​​ our​​ fee.

Register​​ your​​ card​​ for​​ FDIC​​ insurance​​ eligibility​​ and​​ other​​ protections.​​ Your​​ funds​​ will​​ be​​ held​​ at​​ or​​ transferred​​ to​​ Axiom​​ Bank,​​ N.A.,​​ an​​ FDIC-insured​​ institution.

Once​​ there,​​ your​​ funds​​ are​​ insured​​ up​​ to​​ $250,000​​ by​​ the​​ FDIC​​ in​​ the​​ event​​ Axiom​​ Bank,​​ N.A.​​ fails,​​ if​​ specific​​ deposit​​ insurance​​ requirements​​ are​​ met​​ and​​ your​​ card​​ is​​ registered.​​ See​​ fdic.gov/deposit/deposits/prepaid.html​​ for​​ details.

 

No​​ overdraft/credit​​ feature.

Contact​​ QRails,​​ Inc.​​ by​​ calling​​ 1-877-573-3777,​​ by​​ mail​​ at​​ PO​​ Box​​ 370898,​​ Denver,​​ CO​​ 80237,​​ or​​ email​​ CardServices@QRails.com.

For​​ general​​ information​​ about​​ prepaid​​ accounts,​​ visit​​ cfpb.gov/prepaid.​​ If​​ you​​ have​​ a​​ complaint​​ about​​ a​​ prepaid​​ account,​​ call​​ the​​ Consumer​​ Financial​​ Protection​​ Bureau​​ at​​ 1-855-411-2372​​ or​​ visit​​ cfpb.gov/complaint