GIFT CARD return and refund will be handled by the merchant.

return and refund will be handled by the merchant. If the merchant credits your Card/Virtual Account, the credit
SecureSpend® Prepaid Card Cardholder and Virtual Accountholder Agreement may not be immediately available. While merchant refunds post as soon as they are received, please note that we
TREAT CARD LIKE CASH. NEVER PROVIDE CARD/VIRTUAL ACCOUNT OR CARD/VIRTUAL ACCOUNT INFORMATION TO have no control over when a merchant sends a credit transaction and the refund may not be available for a number
SOMEONE YOU DON’T KNOW – YOU MAY LOSE YOUR MONEY WITH NO RECOURSE. of days after the date the refund transaction occurs.
CUSTOMER SERVICE CONTACT INFORMATION: f. Receipts
Address: P.O. Box 826, Fortson, GA 31808 You may wish to retain receipts as a record of transactions. You may need a receipt in order to verify a transaction
with us or the merchant.
Website: SecureSpend.com
3. REPLACEMENT CARD/VIRTUAL ACCOUNT
Phone Number: 1 833-563-8200
If you need to replace your Card/Virtual Account for any reason, please contact Customer Service. See the table
IMPORTANT NOTICES: above for applicable fees. Please note that your Card/Virtual Account has a “Valid Thru” date on the front of the
(1) Give this document to the recipient of the gift card/virtual account for any future Card/Virtual Account. You may not use the Card/Virtual Account after the “Valid Thru” date. However, even if the
questions or issues. “Valid Thru” date has passed, the available funds on your Card/Virtual Account do not expire. You will not be
(2) Please read carefully. This agreement contains an Arbitration Clause requiring all claims charged a fee for replacement cards/virtual accounts that we send due to expiration of the Card/Virtual Account.
to be resolved by way of binding arbitration. 4. COMMUNICATIONS
(3) Always know the exact dollar amount available on your card/virtual account. Merchants
may not have access to determine your card/virtual account balance. You agree that we may monitor and record any calls or other communications between us and you. You also agree
(4) If you do not agree to these terms, do not use the card/virtual account, save your that we or our service providers may contact you by using an automated dialing or email system, by text, or artificial
receipt, and cancel the card/virtual by calling customer service and requesting a refund or recorded voice. You agree to pay any service charges assessed by your plan provider for communications we
check. send or make to you or that you send or make to us.
5. UNAUTHORIZED TRANSACTIONS
Fees and Expiration If you believe your Card/Virtual Account has been lost or stolen or an unauthorized transaction has been made using
the information from your Card/Virtual Account without your permission, contact Customer Service IMMEDIATELY.
The Card/Virtual Account has NO FEES AFTER PURCHASE (including dormancy, service or other fees). An We will ask for the Card/Virtual Account number and other identifying details. We may not be able to assist
activation fee per card/virtual account is paid by the purchaser at the time of purchase. you if you do not have or provide the Card/Virtual Account number or other information we
request. We may not be able to assist you if you do not contact us within 60 days of the unauthorized transaction.
This Cardholder/Accountholder Agreement (“Agreement”) sets forth the terms and conditions under which a If we issue a replacement Card/Virtual Account, the replacement Card/Virtual Account will have a value equal to the
SecureSpend Prepaid Visa® or SecureSpend Prepaid Mastercard® Gift Card (“Card”) or Virtual Account (“Virtual available balance on the Card/Virtual Account at the time you notified us of the loss or theft. NO REFUNDS WILL
Account”) has been issued to you by MetaBank®,, National Association. By accepting and using this Card/Virtual BE PROVIDED FOR AMOUNTS DEBITED FROM THE LOST OR STOLEN CARD/VIRTUAL ACCOUNT
Account, signing the back of the Card, activating the Card/Virtual Account, or authorizing any person to use the BEFORE YOU NOTIFY US. A reissued Card/Virtual Account may take up to 30 days to process.
Card/Virtual Account, you agree to be bound by the terms and conditions contained in this Agreement. In this
Agreement "You" and "your" mean the person or persons who have received the Card/Virtual Account and 6. NO WARRANTIES AND LIMITATION OF LIABILITY
are authorized to use the Card/Virtual Account. "We," "us," and "our" mean collectively, MetaBank, N.A, a We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased with
nationally-chartered savings bank, member FDIC, and its divisions or assignees, and also includes, unless a Card/Virtual Account. Further, we will not be liable: (1) If, through no fault of ours, you do not have enough funds
otherwise indicated, our Program Manager. “Program Manager” refers to InComm Financial Services, Inc., available on your Card/Virtual Account to complete the transaction; (2) If a merchant refuses to accept your Card/
who performs certain services related to your Card/Virtual Account on behalf of MetaBank, N.A. You should sign Virtual Account; (3) If an electronic terminal where you are making a transaction does not operate properly; (4) If
the back of the Card immediately upon receipt. The Card/Virtual Account may be canceled or revoked at any access to your Card/Virtual Account has been blocked after you reported your Card/Virtual Account lost or stolen;
time without prior notice, subject to applicable law. Please read this Agreement carefully and keep it for future (5) If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the
reference. This Agreement applies to both the purchaser and any other user of the Card/Virtual Account. It is the completion of the transaction; or 6) For any other exception stated in our Agreement with you.
purchaser’s obligation to provide these terms and conditions to any user; however, new terms and conditions may 7. LEGAL NOTICES
be provided, or any other questions or concerns answered, by contacting Customer Service. a. English Language Controls
1. ABOUT YOUR CARD/VIRTUAL ACCOUNT Translations of this Agreement that may have been provided are for your convenience only and may not accurately
The Card/Virtual Account is a prepaid card loaded with a specific amount of funds, redeemable to buy goods and reflect the original English meaning. The meanings of terms, conditions, and representations herein are subject to
services at any merchant that accepts Visa or Mastercard debit cards/virtual accounts. No additional funds may definitions and interpretations in the English language.
be added to this Card/Virtual Account. The Card/Virtual Account is NOT a credit card. The Card/Virtual Account b. Assignability
is not a checking account or connected in any way to any account other than a stored value account where your You may not assign or transfer your Card/Virtual Account or your obligations under this Agreement. We may,
funds are held. however, transfer or assign our rights under this Agreement, including any balances in your Card/Virtual Account.
2. USING YOUR CARD/VIRTUAL ACCOUNT c. Other Terms
a. Accessing Funds and Limitations You will be notified of any change to this Agreement in the manner required by applicable law prior to the effective
You may use your Card/Virtual Account to obtain goods or services wherever Visa or Mastercard is honored. Each date of the change. However, if the change is made for security purposes, we can implement such change without
time you use your Card/Virtual Account, you authorize us to reduce the value available on your Card/Virtual Account prior notice. We do not waive our rights by delaying or failing to exercise them at any time (for example, assessing
by the amount of the transaction. Your Card/Virtual Account cannot be: (1) redeemed for its cash value; (2) used to a fee less than described, or not all, for any reason does not waive our right to begin charging the fee as set forth
obtain cash in any transaction; (3) used for illegal transactions; (4) used to make foreign transactions; or (5) used in this Agreement without notice). If any provision of this Agreement is determined to be invalid or unenforceable
for purchases where recurring payments may occur, such as subscriptions, memberships, rentals, etc. For security under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability
reasons, we may limit the amount or number of transactions you can make on your Card/Virtual Account. We may of any other provision of this Agreement will not be affected. This Agreement will be governed by the law of the
refuse to process any transaction that we believe may violate the terms of this Agreement. YOU ARE NOT ALLOWED state of South Dakota except to the extent governed by federal law. Should your Card/Virtual Account have a
TO EXCEED THE BALANCE OF THE FUNDS AVAILABLE ON YOUR CARD/VIRTUAL ACCOUNT. If you attempt to use the remaining balance after a certain period of inactivity, we may be required to remit the remaining funds to the
Card/Virtual Account when there are insufficient funds associated with it, the transaction will generally be declined. appropriate state agency.
Nevertheless, if a transaction that exceeds the balance of the funds available on your Card/Virtual Account occurs 8. PRIVACY
due to a systems malfunction or otherwise, you will remain fully liable to us for the amount of the transaction. If
you do not have enough funds available on your Card/Virtual Account, you may be able to instruct the merchant We may provide information to our employees, auditors, affiliates, service providers, or attorneys as needed, or
to perform a “split transaction” to charge part of the purchase to the Card/Virtual Account and pay the remaining to any third party if you give us your written permission. We may also collect Information about purchases made
amount with another form of payment. You are responsible for all transactions initiated by use of the Card/Virtual with the Card/Virtual Account, such as date of purchase, amount and place of purchase, for replacement Cards/
Account. If you permit another to have access to the Card/Virtual Account or Card/Virtual Account number, we will Virtual Accounts, or when you contact us with customer service issues, such as name, address, phone number.
treat this as if you have authorized such use and you will be liable for all transactions incurred by such persons. We may also disclose information about your Card/Virtual Account or the transactions you make to third parties in
Your Card/Virtual Account is valid in the U.S. only. It cannot be used at merchants outside of the United States, order to: (1) complete transactions; (2) verify the existence and condition of your Card/Virtual Account for a third
including internet and mail/telephone order merchants outside of the United States Virtual Accounts may be party, such as merchant; (3) provide customer services; (4) process claims for lost or stolen Cards/Virtual Accounts;
used for electronic commerce, mail order and/or telephone order purchases only and will not be accepted for (5) help protect against fraud and to conduct research and analysis; or (5) comply with government agency or court
purchases at physical retail locations. orders, or other legal reporting requirements.
b. Personal Identification Number (“PIN”)  9. JURY TRIAL WAIVER AND ARBITRATION
You will not receive a Personalized Identification Number (“PIN”) with the Card/Virtual Account. However, when a. Jury Trial Waiver: To the extent permitted by law, you and we knowingly and voluntarily
you first use the Card/Virtual Account at a merchant’s Point of Sale (“POS”) device, any four-digit code will work waive any right to trial by jury in the event of litigation arising out of or related to this
as the initial PIN for your first PIN-based transaction. After the first PIN-based transaction, you must use the same agreement. This Jury Trial Waiver does not modify in any fashion the Arbitration Clause
PIN for each subsequent PIN-based transaction, unless and until you choose to reset the PIN. Choose a PIN that set forth in the following section, which contains its own jury trial waiver.
you can remember easily. If you need to reset the Card/Virtual Account’s PIN, please call visit SecureSpend.com or b. Arbitration Clause: You can opt out of this Arbitration Clause within 60 calendar days from
call 1833-563-8200. You will be required to provide information about the Card/Virtual Account (account number, the earlier of purchasing, activating, or using the Card/Virtual Account. You must send the
expiration date and security code) to reset the PIN. You should not write or keep your PIN with your Card/Virtual opt out notice in writing to MetaBank, N.A., Attn: Customer Service, 5501 S Broadband
Account. Never share your PIN with anyone and do not enter your PIN into any terminal that appears to be Ln, Sioux Falls, SD 57108 (“Notice Address”). This Arbitration Clause governs any dispute
modified or suspicious. arising under this Agreement, aside from the validity and coverage of this Arbitration
c. Obtaining Card/Virtual Account Balance Information Clause. Arbitrations will be conducted under the rules of the arbitration administrator,
as chosen by us. Arbitration may be brought by you or us, and we will not demand
You may obtain information about the amount of money you have remaining on your Card/Virtual Account at no arbitration if you bring an individual action in small claims court. In addition to the Jury
charge by contacting Customer Service. This information, along with a history of Card/Virtual Account transactions, Trial Waiver above, you also waive your rights to be a class member or bring suit in a class
is also available online by visiting our Website. It may also be possible to request a written copy of Card/Virtual action or class arbitration. In order to commence an arbitration, the party bringing the
Account transactions by contacting Customer Service. dispute must send the notice and complaint in writing. You must send your notice to the
d. Authorization Holds Notice Address. After receiving notice, the other party has 30 days to attempt to resolve
You do not have the right to stop payment on any purchase transaction originated by use of your Card/Virtual the issue before a suit or arbitration commences. We will pay all costs associated with
Account. With certain types of purchases (such as those made at restaurants, hotels, or similar purchases), administering an arbitration brought by you in good faith, if you cannot get a waiver and
your Card/Virtual Account may be “preauthorized” for an amount greater than the transaction amount to cover ask us to pay. Further, we will pay legal fees and costs if you win or as required by law
gratuity or incidental expenses. Any preauthorization amount will place a “hold” on your available funds until the or the arbitrator. This Arbitration Clause will stay in force if your Card/Virtual Account is
merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the closed or we assign our rights under this Agreement. This Arbitration Clause and any rights
preauthorization amount on hold will be removed. During this time, you will not have access to preauthorized to appeal or requests for information will be governed by the Federal Arbitration Act and
amounts. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval the rules of the arbitrator.
may result in a hold for that amount of funds. Prepaid card is issued by MetaBank, National Association, Member FDIC, pursuant to license by Mastercard
e. Returns and Refunds International Incorporated or a license from Visa U.S.A, Inc.
If you are entitled to a refund for any reason for goods or services obtained with your Card/Virtual Account, the © 2020 MetaBank,N.A.C1949_207_070920