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Patriot Bank Terms and Conditions / Privacy Policy | Patriot Bank Notice of Change | Contact

Type of fee	Avid GO!	Avid Select
Plan fee	$0	$5.95 per mo.
Per purchase	$1.50*	$0
ATM withdrawal	$3.00	$3.00
Cash reload	$2.00	$2.00
ATM balance inquiry	$0.75	$0.75
Live customer service (per call)	$0	$0
Inactivity (after 90 days w/ no trans.)	$4.95 per mo.	$4.95 per mo.

**We charge 6 other types of fees.**Here are 2 of them:
Early Access	$3.00	$3.00
Decline Fee	$0.75	$0.75

* This fee can be lower depending on how and where this card is used.

No overdraft/credit feature.
Your funds are eligible for FDIC insurance and other protections.

For general information about prepaid accounts, visit cfpb.gov/prepaid.
Find details and conditions for all fees and services in the long form disclosure, or call 800-221-6192 or visit lf.avidprepaid.com.

Metropolitan Commercial Bank

Avid Prepaid Visa Card Cardholder Agreement

IMPORTANT – PLEASE READ CAREFULLY

1. Terms and Conditions for the Avid Prepaid Visa® Card. This document is an agreement (“Agreement”) containing the terms and conditions that apply to the Avid Prepaid Visa Card that has been issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Visa U.S.A. Inc. “Metropolitan Commercial Bank” and “Metropolitan” are registered trademarks of Metropolitan Commercial Bank © 2014. 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 Avid Prepaid Visa Card is Expanse Financial Technologies, Inc. and the Customer Service telephone number is (800) 221-6192 or the toll-free telephone number on the back of your Card. In this Agreement, “Card” means the Avid Prepaid Visa Card issued to you by the Bank, including any Secondary Card(s) you may request. “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,” “our” and “Bank” mean Metropolitan Commercial Bank, together with its successors and assigns. “Program Manager” means Expanse Financial Technologies, Inc., together with its successors and assigns. The Card will remain the property of the Bank 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 agree that the information and statements you provide to us are 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 fail to provide accurate information that we request, 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.

2. 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 verified your identity. You may access the funds in your Card Account by using your Card, Card Number, 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.

3. Fees. The fees relating to the use (and misuse) of your Card are set forth in the “Schedule of Fees and Charges (Schedule A)” 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 Fee Schedule, at our sole discretion as set forth in the Section of this Agreement titled “Amendment and Cancellation.”

4. Authorized Users. You may request an additional Card (“Secondary Card”) to allow another person to access the funds in your Card Account. The maximum number of Secondary Cards permitted four (4). The additional (Secondary) cardholder must be 13 years of age or older. The Primary Card cardholder (of the Card Account) must be a minimum of 18 years of older. The additional (Secondary Card) cardholder is not allowed to load funds onto their card. Only the Primary Card Account cardholder is allowed to load funds onto primary card and the Secondary card(s). The primary cardholder is responsible for the entire account including all additional Secondary Cards. The Primary Card and four Secondary cards make a maximum total of five cards. 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 Secondary Card, telephone the toll-free number on the back of your Card or (800) 221-6192 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) a Secondary 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 each Card according to the terms of this Agreement, subject to the section labeled “Lost or Stolen Cards/Unauthorized Transfers” below, and other applicable laws.

5. 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 or the Daily Purchase Limit (as defined in the table below), (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 (Schedule A)” attached to this Agreement. You agree not to use your Card for illegal gambling or any other illegal purpose.

You will be provided with our routing number and assigned a 12-digit Account Number once your identity has been verified. Our routing number and your assigned Account Number are for the purpose of initiating direct deposits to your Card Account and authorized automated clearinghouse (“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 our routing number and Account Number if you do not have sufficient funds in your Card Account. 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 (Schedule A)” attached to this Agreement).

6. 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 the Transaction Limits set forth below. The maximum aggregate value of your Card Account(s) is restricted to the Transaction Limits set forth below at any point in time. The maximum value will be determined by aggregating the activity and value of all Card Accounts you may have with the Program. 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 Amount per day (Primary Card Account)	Maximum Amount per day (Secondary Card Account(s))
Maximum Balance	$20,000 (includes all cash and direct deposit loads)	$2,500 (includes all cash and direct deposit loads)
Withdrawals	Up to a maximum of $10,000 per day (includes all Bank Teller, ATM and cash back from POS purchases)	Up to a maximum of $2,500 per day includes all Bank Teller, ATM and POS purchases
Cash Withdrawal (ATM)	Up to a maximum of $1,000 per day	Up to a maximum of $1,000 per day
Cash Withdrawal (Bank Teller)	Up to a maximum of $1,000 per day	Up to a maximum of $1,000 per day
Purchases (POS)	Up to a maximum of $10,000 per day	Up to a maximum of $2,500 per day
Value Loads	Any combination of the load types listed below not to exceed Maximum Balance	$1,000
Direct Deposits	Up to a maximum of $20,000 per day	N/A
Cash Deposits	Up to a maximum of $10,000 per day	N/A
Card-to-Card transfers	Up to a maximum of $1,000 per day	N/A
Card-to-Card (within Card Account)	Up to a maximum of $1,000 per day	Up to a maximum of $1,000 per day
ACH Deposits (Bank-to-Card transfers)	Up to a maximum of $1,000 per day	N/A

7. Personal Identification Number (“PIN”). We will give you a PIN that you may use with your Card once your identity has been verified. Only one 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 immediately call the number on the back of your Card, (800) 221-6192, or send notice through www.avidprepaid.com, or write to the Program Manager at Expanse Financial Technologies, Inc. - Avid Prepaid, P.O. Box 307, New Hyde Park, NY 11040.

8. Adding Funds to Your Card Account. You may add funds to your Card (called “value loading” or “loading”) at any time. The maximum load amount is $3,000. Note: Some reload locations may have additional limits on the minimum amount you may load to your Card. The maximum aggregate value of funds (or the maximum aggregate balance for both primary and secondary cards) in your Card Account may not exceed $30,000 at any time. You agree to present the Card and meet identification requirements to complete value load transactions as may be required from time to time. Load locations may have their own load limits that may be less than our allowable amount. Load locations also may assess a fee to load funds to your Card Account. You also may direct deposit funds to your Card Account by providing our 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.

9. 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 Visa® or PLUS®, or STAR® brand, or (ii) obtain cash at merchants or banks that have agreed to provide cash back at POS terminals bearing the Visa®, PLUS®, or STAR® 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 $1,000 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 will be charged a fee by us for each cash withdrawal and balance inquiry made at an ATM or cash withdrawal obtained through a bank teller, in the amount disclosed in the accompanying “Schedule of Fees and Charges (Schedule A).” 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).

10. 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.

11. 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.

12. 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 (Schedule A).” 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.

13.Business Days. Our business days are Monday through Friday, excluding federal and legal banking holidays in the State of New York.

14. 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 we 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 service-oriented merchants may choose to factor in additional amounts upon check-in, and it may take up to 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.

15. 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 your Card was obtained through your employer or you receive electronic deposits of federal payments to your Card: 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 calling the number on the back of your Card, (800) 221-6192, or by sending notice through www.avidprepaid.com, or by mailing notice to Expanse Financial Technologies, Inc. - Avid Prepaid, P.O. Box 307, New Hyde Park, NY 11040at least three 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 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. We do offer a Bill Payment feature, therefor , if you have authorized a merchant to make the recurring transaction, you also should (must) contact the applicable merchant in order to stop the recurring transaction.

16. Preauthorized Credits. If you have arranged to have direct deposits made to your Card Account at least once every 60 days from the same person or company and you do not receive a receipt/statement (or paystub), you can call the number on the back of your Card or (800) 221-6192 to find out whether or not the deposit was made.

17. 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 days from the date the refund transaction occurs.

18. 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 the number on the back of your Card or (800) 221-6192. 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.

19. International Transactions. If you initiate a transaction in a currency or country other than the currency or country in which your Card was issued, you will be charged a fee on the transaction (including credits and reversals) as set forth in the “Schedule of Fees and Charges (Schedule A)” attached to this Agreement. This fee is in addition to the currency conversion rate. If the transaction is in a currency other than the currency of the country in which your Card was issued, the merchant, network, or card association that processes the transaction may convert the transaction (including credits and reversals) into the currency of your Card in accordance with its policies and rates in effect at the time of the transaction. If Visa U.S.A., Inc. (“Visa”) converts the transaction, it will establish a currency conversion rate for this convenience using a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date which may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date

20. 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.

21. 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 (800) 221-6192, or by visiting www.avidprepaid.com, or by writing Expanse Financial Technologies, Inc. - Avid Prepaid, P.O. Box 307, New Hyde Park, NY 11040.

22. Confidentiality. We 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 us your written permission; (5) to our and Program Manager’s employees, auditors, affiliates, service providers, or attorneys as needed; and (6) as otherwise provided in our Privacy Policy Notice below.

23. Our Liability for Failure to Complete Transactions. If we do not complete a transfer to or from your Card Account on time or in the correct amount according to our agreement with you, we will be liable for your losses or direct damages. However, there are some exceptions. We will not be liable, for instance: (1) if, through no fault of ours or of the Program Manager, 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(s) (“Access Code” includes your user ID(s), password(s), PIN(s), and any other access code or credential related to your Card Account) 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 Program Manager have reason to believe the requested transaction is unauthorized; (8) if circumstances beyond our or the Program Manager’s control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we or the Program Manager have taken; or (9) for any other exception stated in our Agreement with you.

24. In Case of Errors or Questions about your Card Account. If you think an error has occurred in your Card Account, promptly call the number on the back of your Card, (800) 221-6192, provide notice through www.avidprepaid.com or write to Expanse Financial Technologies, Inc. - Avid Prepaid, P.O. Box 307, New Hyde Park, NY 11040 . We will allow you to report an error until 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 the number on the back of your Card or (800) 221-6192 or by visiting www.avidprepaid.com, or writing to the Program Manager at Expanse Financial Technologies, Inc. - Avid Prepaid, P.O. Box 307, New Hyde Park, NY 11040. 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 10 business days. We will determine whether an error occurred within 10 business days (five business days for Visa Point of Sale Signature unauthorized debit transactions, unless the dispute resolution team determines an exceptional basis exists, in which case Visa allows an additional five business days in which to provide the provisional credit) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Card within 10 business days (five business days for Visa Point-of Sale Signature unauthorized debit transactions, unless the dispute resolution team determines an exceptional basis exists, in which case Visa allows an additional five business days in which to provide the provisional credit) 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 we ask you to put your complaint or question in writing and you do not provide it within 10 business days, (five business days for Visa Point-of Sale Signature unauthorized debit transactions) we may not credit your Card Account. For errors involving new Card Accounts (that is, Cards for which the initial deposit or value load occurred within the last 30 days), POS transactions, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three 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 the Program Manager at the number on the back of your Card.

25. Lost or Stolen Cards/Unauthorized Transfers. If you believe your Card, Access Code(s), or PIN has been lost or stolen, call the number on the back of your Card, or (800) 221-6192, or send notice through www.avidprepaid.com, or write to the Program Manager at Expanse Financial Technologies, Inc. - Avid Prepaid, P.O. Box 307, New Hyde Park, NY 11040. You should also call (800) 221-6192, the number on the back of your Card, or write to the address shown here if you believe an electronic transfer has been made using the information from your Card, Access Code(s), or PIN without your permission.

26. Your Liability for Unauthorized Transfers. You agree to exercise reasonable control over the information related to your Card Account, including your Card, Access Code(s) and PIN. Tell us AT ONCE if you believe your Card, Access Code(s), or PIN 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. The best way to keep your losses down is by calling the toll-free number on the back of your Card or (800) 221-6192. You could lose all of the money in your Card Account. If you tell us within two 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 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 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 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.

Visa’s Zero Liability Policy. In addition to the limitations on liability described above, you will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card, Access Code(s), or PIN. 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(s), Access Code(s), and PIN(s), 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(s) and/or Card Account to prevent future losses. If you share your Card(s), Access Code(s), or 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, Access Code(s), or PIN, you agree that you will be liable for all transactions arising from use of the Card, Access Code(s), or 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. Visa’s Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions outside the Visa and PLUS networks, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify us promptly of any unauthorized use.

27. 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 New York except to the extent preempted or governed by federal law.

28. Amendment and Cancellation. We 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 may implement such change without prior notice. We may cancel or suspend your Card or this Agreement at any time. You also may cancel this Agreement by calling the number on the back of your Card or (800) 221-6192. If you cancel your Card, you may zero out your 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 (Schedule A)” 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.

29. 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.

30. 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.

31. 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 Expanse Financial Technologies, Inc., as Program Manager for the Avid Prepaid Visa® 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 Bank, 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. This section of this Arbitration Provision is the “Class Action Waiver.”
(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 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 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 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 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) Public Injunctive Relief: If a Claim is brought seeking public injunctive relief and a court determines that the restrictions in the Class Action Waiver and/or elsewhere in this Arbitration Provision prohibiting the arbitrator from awarding relief on behalf of third parties are unenforceable with respect to such Claim (and that determination becomes final after all appeals have been exhausted), the Claim for public injunctive relief will be determined in court and any individual Claims seeking monetary relief will be arbitrated. In such a case the parties will request that the court stay the Claim for public injunctive relief until the arbitration award pertaining to individual relief has been entered in court. In no event will a Claim for public injunctive relief be arbitrated.
(h) No Preclusive Effect: No arbitration award involving the parties will have any preclusive effect as to issues or claims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in prior disputes involving other parties have preclusive effect in an arbitration between the parties to this Arbitration Provision.
(i) 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.

32. Prefunded Check Transactions (“Check Terms”). Prefunded check transaction feature is not permitted in this program.

33. 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 an Avid Prepaid Visa 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 at www.avidprepaid.com.

How to Withdraw Consent. You may withdraw your consent to receive Communications in electronic form at any time by calling the number on the back of your Card, (800) 221-6192 or visiting www.avidprepaid.com, or by writing to the Program Manager at Expanse Financial Technologies, Inc. - Avid Prepaid, P.O. Box 307, New Hyde Park, NY 11040 . If you do withdraw your consent, we will close your Card Account, except where prohibited by law. 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 your 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 www.avidprepaid.com or by calling the number on the back of your Card or (800) 221-6192

Hardware and Software Requirements. In order to access, view, and retain Communications that we make available to you electronically, you must have:

An Internet browser that supports 128-bit encryption
Microsoft Internet Explorer 6.0 or above, or the equivalent software
Sufficient electronic storage capacity on your computer's hard drive or other data storage unit
An e-mail account with an Internet service provider and e-mail software
A personal computer 1.0GHz Base or higher), operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing Communications received from us in via a plain text-formatted e-mail or by access to our web site using browser specified above or equivalent software.
Adobe Reader version 9.0 or higher

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, call the number on the back of your Card, (800) 221-6192, or visit www.avidprepaid.com, or write to the Program Manager at Expanse Financial Technologies, Inc., P.O. Box 307, New Hyde Park, NY 11040.

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.

Rev. 11/2020

FACTS	WHAT DOES METROPOLITAN COMMERCIAL BANK DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number Account balances Transaction history Account Transactions Checking account information Wire transfer instructions When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Metropolitan Commercial Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Metropolitan Commercial Bank share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes – to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	No
For our affiliates’ everyday business purposes – Information about your transactions and experiences	No	We don’t share
For our affiliates’ everyday business purposes – Information about your creditworthiness	No	We don’t share
For nonaffiliates to market to you	No	We don’t share

Questions?

Call 1-866-363-8226 or go to www.mcbankny.com

What we do
How does Metropolitan Commercial Bank protect my personal information?		To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Metropolitan Commercial Bank collect my personal information?		We collect your personal information, for example, when you Open an account or give us your contact information Apply for financing or show your driver’s license Provide account information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?		Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes – information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates		Companies related by common ownership or control. They can be financial and nonfinancial companies. Metropolitan Commercial Bank does not share with our affiliates.
Nonaffiliates		Companies not related by common ownership or control. They can be financial and nonfinancial companies. Metropolitan Commercial Bank does not share with nonaffiliates so they can market to you.
Joint marketing		A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include credit card account companies.
Other important information
For Alaska, Illinois, Maryland, and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. Further, we may collect personally identifiable information about you through our website, including but not limited to your first and last name, home address, e-mail address, telephone number, or any other identifier that permits the physical or online contacting of a specific individual. If we change our privacy policy for our website, you will be notified as required by law. For Massachusetts, Mississippi, and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing without your authorization. For Vermont Customers. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.mcbankny.com or call 1-866-363-8226.

Schedule A

SCHEDULE OF ALL FEES AND CHARGES FOR Avid GO! Prepaid Visa® Card

State : ALL

ALL FEES	AMOUNT	DETAILS
Get started
Card activation fee (for the Primary Card)	$4.95	A one-time new card fee for the Primary Card
Monthly usage
Monthly fee	$0.00
Add money
Value load (Primary)	$2.00	Per transaction. 3^rd Party Load Networks charge additional fees. Please consult 3^rd Party Load Network for a schedule of their fees and charges (Western Union, MoneyGram, and Visa Ready Link).
Direct deposit	$0.00	Per transaction
Card-to-card transfer	$2.00	Per transaction
Card to card transfer (internal) (Primary)	$0.00	Per transaction; No cost to you.
Early Access (Primary) (Government Deposit/Non-Government Deposit)	$3.00/$2.00	Per deposit. You are not required to elect this feature on your deposits and can avoid this fee by informing us of your preference to receive your monthly benefits on the original effective date either by calling us at (801) 221-6192 or (801) 893-7716 or by email at: customerservice@avidprepaid.com or in writing to Expanse Financial Technologies, Inc – Avid Prepaid, PO Box 307, New Hyde Park, NY 11040.
Spend money
POS PIN debit purchase	$1.50	Per any domestic PIN based transaction
POS signature purchase	$1.00	Per any domestic Signature based transaction
Bank teller withdrawal	3% with $5.00 minimum	Per withdrawal. 3% or $5.00 minimum charge of the amount whichever is greater plus bank operator fees, if any.
POS PIN purchase (declined)	$0.75	Per declined domestic PIN based transaction
POS SIG purchase (declined)	$0.75	Per declined domestic Signature based transaction
Get cash
ATM Cash Withdrawal Fee (Domestic)	$3.00	Per withdrawal, plus any third-party ATM operator fees, if any
ATM withdrawal (declined)	$0.75	Per declined domestic ATM transaction
Information
Customer service (automated system)	$0.35	3 free calls per month, each call $0.35 thereafter. Refer to Sections 21. “Obtaining Balance and Transaction Information for Your Card; Periodic Statements Alternative” and 33. “Delivery of Electronic Communications” of the Cardholder Agreement.
Balance Inquiry via Live Agent	$2.00	Per balance inquiry conducted through a live customer service representative. Refer to Sections 21 and 33 of the Cardholder Agreement
ATM balance inquiry	$0.75	Per inquiry, plus third-party ATM operator fees, if any
Using your card outside the U.S.
ATM withdrawal (int'l)	$4.95	Per withdrawal, plus the foreign transaction surcharge and third-party ATM operator fees, if any
ATM withdrawal (declined) (int'l)	$2.00	Per declined international ATM transaction
ATM balance inquiry (int'l)	$2.00	Per inquiry, plus third-party ATM operator fees, if any
POS PIN debit purchase (int'l)	$3.50	Per any international PIN based transaction
POS signature purchase (int'l)	$2.95	Per any international Signature based transaction
POS PIN purchase (declined) (int'l)	$2.00	Per declined international PIN based transaction
POS SIG purchase (declined) (int'l)	$2.00	Per declined international Signature based transaction
Other
Inactivity Fee	$4.95	Monthly, after each 90-day period in which you do not load or unload fund to your Card Account or use your Card Account to make a purchase or an ATM withdrawal or until new activity is conducted.
Account Closure/Balance Refund	$10.00	See section 28 “Amendment and Cancellation” terms when applicable and not applicable in the Cardholder Agreement.
Bill Pay (Merchant Initiated)	$2.00	Per payment made to a merchant using your Account Number.
Electronic Withdrawal	$1.00	Per withdrawal sent to a 3^rd Party account
Replace Card	$5.00	Per lost, stolen, or damaged card replacement requested
Expedited replacement card	$25.00	Fee for expedited card delivery

Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to Metropolitan Commercial Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Metropolitan Commercial Bank 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 Expanse Financial Technologies, Inc. – Avid Prepaid Visa Card by calling 800-221-6192, by mail at Expanse Financial Technologies, Inc. - Avid Prepaid P.O. Box 307, New Hyde Park, NY 11040, or visit www.avidprepaid.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.

Schedule A

SCHEDULE OF ALL FEES AND CHARGES FOR Avid Select Prepaid Visa® Card

State : ALL

ALL FEES	AMOUNT	DETAILS
Get Started
Card activation fee (for the Primary Card)	$4.95	A one-time new card fee for the Primary Card
Monthly usage
Monthly fee	$5.95	Per 30 days
Add money
Value load (Primary)	$2.00	Per transaction. 3^rd Party Load Networks charge additional fees. Please consult 3^rd Party Load Network for a schedule of their fees and charges (Western Union, MoneyGram, and Visa Ready Link).
Direct deposit	$0.00	Per transaction
Card-to-card transfer	$2.00	Per transaction
Card to card transfer (internal) (Primary)	$0.00	Per transaction; No cost to you.
Early Access (Primary) (Government Deposit/Non-Government Deposit)	$3.00/$2.00	Per deposit. This service requires you to opt in. You may opt in for this feature so you can receive your direct deposits prior to the effective date. You may opt out of this service at any time and receive your direct deposit on the original effective date either by calling us at (800) 221-6192 or (801) 893-7716 or by email at: customerservice@avidprepaid.com or in writing to Expanse Financial Technologies, Inc – Avid Prepaid, P.O. Box 307, New Hyde Park, NY 11040.
Spend money
POS PIN debit purchase	$0.00	Per any domestic PIN based transaction
POS signature purchase	$0.00	Per any domestic Signature based transaction
Bank teller withdrawal	3% with $5.00 minimum	Per withdrawal. 3% or $5.00 minimum charge of the amount whichever is greater plus bank operator fees, if any.
POS PIN purchase (declined)	$0.75	Per declined domestic PIN based transaction
POS SIG purchase (declined)	$0.75	Per declined domestic Signature based transaction
Get cash
ATM Cash Withdrawal Fee (Domestic)	$3.00	Per withdrawal, plus any third-party ATM operator fees, if any
ATM withdrawal (declined)	$0.75	Per declined domestic ATM transaction
Information
Customer service (automated system)	$0.35	3 free calls per month, each call $0.35 thereafter. Refer to Sections 21. “Obtaining Balance and Transaction Information for Your Card; Periodic Statements Alternative” and 33. “Delivery of Electronic Communications” of the Cardholder Agreement.
Balance Inquiry via Live Agent	$2.00	Per balance inquiry conducted through a live customer service representative. Refer to Sections 21 and 33 of the Cardholder Agreement
ATM balance inquiry	$0.75	Per inquiry, plus third-party ATM operator fees, if any
Using your card outside the U.S.
ATM withdrawal (int'l)	$4.95	Per withdrawal, plus the foreign transaction surcharge and third-party ATM operator fees, if any
ATM withdrawal (declined) (int'l)	$2.00	Per declined international ATM transaction
ATM balance inquiry (int'l)	$2.00	Per inquiry, plus third-party ATM operator fees, if any
POS PIN debit purchase (int'l)	$3.50	Per any international PIN based transaction
POS signature purchase (int'l)	$2.95	Per any international Signature based transaction
POS PIN purchase (declined) (int'l)	$2.00	Per declined international PIN based transaction
POS SIG purchase (declined) (int'l)	$2.00	Per declined international Signature based transaction
Other
Inactivity Fee	$4.95	Monthly, after each 90-day period in which you do not load or unload fund to your Card Account or use your Card Account to make a purchase or an ATM withdrawal or until new activity is conducted.
Account Closure/Balance Refund	$10.00	See section 28 “Amendment and Cancellation” terms when applicable and not applicable in the Cardholder Agreement.
Bill Pay (Merchant Initiated)	$2.00	Per payment made to a merchant using your Account Number.
Electronic Withdrawal	$1.00	Per withdrawal sent to a 3rd Party account
Replace Card	$5.00	Per lost, stolen, or damaged card replacement requested
Expedited replacement card	$25.00	Fee for expedited card delivery

No overdraft/credit feature.

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.

Contrato de titular de Tarjeta Visa® Prepagada Avid^®

IMPORTANTE – POR FAVOR, LEA CON ATENCIÓN

1. Términos y condiciones de la tarjeta Visa prepagada Avid ^® Card. Este documento es un contrato («Contrato») que contiene los términos y condiciones que se aplican a la Tarjeta Visa® Prepagada Avid que Patriot Bank (miembro de la FDIC) ha expedido para usted de conformidad con una licencia de Visa U.S.A. Inc. «Patriot Bank» y «Patriot» son marcas registradas de Patriot Bank © 2014. Al aceptar y/o utilizar esta Tarjeta, acepta estar legalmente obligado por los términos y condiciones incluidos en este Contrato. El «Administrador del Programa» de la Tarjeta Visa Prepagada Avid es Financial Technologies, Inc., y el número de teléfono del Servicio de Atención al Cliente es (800) 221- 6192 o el número de teléfono gratuito que aparece en el reverso de su Tarjeta. En el presente Contrato, «Tarjeta» hace referencia a la Tarjeta Visa Prepagada Avid que el Banco ha expedido para usted, incluida toda Tarjeta Secundaria que pueda solicitar. «Cuenta de Tarjeta» hace referencia a los registros que mantenemos para contabilizar el valor de las transacciones asociadas a la Tarjeta. «Usted» y «su» hacen referencia a la persona o personas que han recibido la Tarjeta y que están autorizadas a usarla según lo dispuesto en el presente Contrato. «Nosotros», «nos», «nuestro» y «Banco» hacen referencia a Patriot Bank, junto con sus sucesores y cesionarios. «Administrador del Programa» hace referencia a Expanse Financial Technologies, Inc. junto con sus sucesores y cesionarios. La Tarjeta seguirá siendo propiedad del Banco y deberá entregarse cuando se solicite. La Tarjeta es intransferible y se podrá cancelar, embargar o anular en cualquier momento sin previo aviso, con sujeción a la legislación aplicable. Por favor, lea atentamente el presente Contrato y consérvelo para futuras consultas.

Para ayudar al gobierno a combatir la financiación del terrorismo y las actividades de blanqueo de dinero, la ley federal exige que todas las instituciones financieras y sus terceros obtengan, verifiquen y registren información que identifique a cada persona que obtenga una Tarjeta. Qué significa esto para usted: Cuando solicite una tarjeta, le pediremos su nombre, dirección, fecha de nacimiento, número de la seguridad social o número de identificación de país, y otra información que nos permita identificarle. También podemos pedirle que nos muestre su carné de conducir u otro documento en el que aparezca su foto para verificar su identidad. Al participar en el programa de la Tarjeta, se compromete a que la información y las declaraciones que nos proporcione sean certeras, incluidos, entre otros, su nombre real, dirección postal válida en los EE.UU. y dirección residencial (si es distinta), número de la seguridad social u otra documentación de identificación, fecha de nacimiento y número de teléfono. Si no proporciona la información exacta que le solicitamos, podremos cancelar su Tarjeta. Además, los fondos vinculados a presuntas actividades ilícitas o ilegales pueden estar sujetos a una investigación tanto interna como potencialmente federal. Nos reservamos el derecho a restringir o retrasar su acceso a dichos fondos.

2. Su tarjeta. La Tarjeta es una tarjeta prepagada. La Tarjeta le permite a usted o a alguien en su nombre acceder a fondos cargados o depositados en su Cuenta de Tarjeta. Los fondos de su Cuenta de Tarjeta estarán asegurados por la FDIC una vez que hayamos verificado su identidad. Puede acceder a los fondos de su Cuenta de Tarjeta utilizando su Tarjeta, Número de Tarjeta o mediante cargo en la cámara de compensación automatizada («ACH») utilizando su Número de Cuenta. La Tarjeta no es una tarjeta de crédito. La Tarjeta no es una tarjeta regalo ni está pensada como regalo. no recibirá ningún interés por los fondos de la Tarjeta. Los fondos de su Cuenta de Tarjeta no caducarán, sin importar la fecha de caducidad que aparezca en el anverso de su Tarjeta.

3. COMISIONES. LAS COMISIONES RELACIONADAS CON EL USO (Y EL USO INDEBIDO) DE LA TARJETA SE ESTABLECEN EN EL «ANEXO DE COMISIONES Y GASTOS (ANEXO A)» ADJUNTO AL PRESENTE CONTRATO E INCORPORADO AL MISMO COMO REFERENCIA. LAS COMISIONES EN QUE SE INCURRA DE CONFORMIDAD CON LAS CONDICIONES DEL PRESENTE CONTRATO SE DETRAERÁN DE LA CUENTA DE SU TARJETA Y SE COBRARÁN MIENTRAS QUEDE SALDO EN LA MISMA, SALVO QUE LA LEY LO PROHÍBA. Se compromete a pagar todas las comisiones asociadas a la Tarjeta. Ocasionalmente, podremos modificar el Programa de Comisiones, a nuestra entera discreción, tal y como se establece en la Sección de este Acuerdo titulada «Enmienda y Cancelación».

4. Puede solicitar una Tarjeta adicional («Tarjeta Secundaria») para permitir que otra persona acceda a los fondos de su Cuenta de Tarjeta. El número máximo de Tarjetas Secundarias permitidas es de cuatro (4). El titular de la tarjeta adicional (Secundaria) debe tener un mínimo de 13 años. El titular de la Tarjeta Principal (de la Cuenta de Tarjeta) debe tener un mínimo de 18 años. El titular de la tarjeta adicional (Tarjeta Secundaria) no tiene permitido cargar fondos en su tarjeta. Solo el titular de la Cuenta de Tarjeta Principal puede cargar fondos en la tarjeta principal y en la(s) Tarjeta(s) Secundaria(s). El titular de la tarjeta principal es responsable de toda la cuenta, incluidas todas las Tarjetas Secundarias adicionales. La Tarjeta Principal y cuatro Tarjetas Secundarias suponen un total máximo de cinco tarjetas. Si permite que otra persona tenga acceso a su Tarjeta o Número de Tarjeta, usted será responsable de todas las transacciones realizadas con la Tarjeta, Número de Tarjeta o Número de Cuenta, y de todas las comisiones relacionadas en las que incurran dichas personas. Para cancelar una Tarjeta Secundaria, llame al número gratuito que figura en el reverso de su Tarjeta o al (800) 221- 6192 y tendrá que realizar un seguimiento no más tarde de 10 días hábiles con la notificación por escrito para anular (cancelar) el permiso a cualquier persona que haya autorizado previamente a usar su Tarjeta. Hasta que hayamos recibido su notificación de dicha anulación (cancelación) y hayamos tenido un tiempo razonable para actuar sobre la notificación escrita de cancelación, usted será responsable de todas las transacciones y cargos incurridos por usted o cualquier otra persona que haya autorizado. Si nos comunica la anulación (cancelación) de una Tarjeta Secundaria, podremos anular (cancelar) su Tarjeta y emitir una nueva con un Número de Tarjeta y/o un Número de Cuenta diferentes. Usted es el único responsable del uso de cada Tarjeta de conformidad con los términos de este Contrato, con sujeción a la Sección titulada «Pérdida o Robo de Tarjetas/Transferencias no Autorizadas» que figura a continuación, y a otras leyes aplicables.

5. Uso y propósito de la cuenta de tarjeta. Con sujeción a las limitaciones establecidas en el presente Contrato, puede utilizar su Tarjeta, su Número de Tarjeta o su Número de Cuenta, según proceda, para (1) añadir fondos a su Cuenta de Tarjeta (tal como se describe en la Sección siguiente titulada «Añadir Fondos a su Cuenta de Tarjeta»), (2) transferir fondos entre Cuentas de Tarjeta, (3) comprar bienes o servicios en cualquier lugar donde se acepte su Tarjeta, siempre que no supere el valor disponible en su Cuenta de Tarjeta o el Límite de Compra Diario (tal y como se define en la tabla siguiente), (4) retirar efectivo de su Cuenta de Tarjeta (tal y como se describe en la Sección siguiente titulada «Uso de la Tarjeta para Obtener Efectivo»). Puede haber comisiones asociadas a algunas de estas transacciones. Para obtener información sobre las comisiones, consulte el «Anexo de Comisiones y Gastos (Anexo A)» adjunto al presente Contrato. Se compromete a no utilizar su Tarjeta para apuestas ilegales o cualquier otro fin ilícito.

Tras verificar su identidad, se le facilitará nuestro número de ruta y se le asignará un Número de Cuenta de 12 dígitos. Nuestro número de ruta y el Número de Cuenta que se le asigne servirán únicamente para iniciar depósitos directos en su Cuenta de Tarjeta y transacciones de débito autorizadas por la Cámara de Compensación Automatizada («ACH»). El Número de Tarjeta de 16 dígitos grabado o impreso en su Tarjeta no debe utilizarse para este tipo de transacciones, ya que, de lo contrario, serán rechazadas. No está autorizado a utilizar nuestro número de ruta y Número de Cuenta si no tiene fondos suficientes en su Cuenta de Tarjeta. Estos adeudos serán rechazados y no se procesará su pago. También se le podrá cobrar una Comisión por Rechazo de la ACH (consulte el «Anexo de Comisiones y Cargos [Anexo A]» adjunto a este Contrato)

6.Limitaciones en la frecuencia y el importe en dólares de las transacciones. El importe total de las compras y las retiradas de efectivo (incluidas las retiradas en oficinas bancarias) que puede llevar a cabo en un solo día está limitado a los Límites de Transacción establecidos a continuación. El valor total máximo de su(s) Cuenta(s) de Tarjeta está restringido a los Límites de Transacción establecidos a continuación en cualquier momento. El valor máximo se determinará sumando la actividad y el valor de todas las Cuentas de Tarjeta que pueda tener en el Programa. Por motivos de seguridad, podemos limitar aún más el número o el importe en dólares de las transacciones que puede realizar con su Tarjeta. La siguiente tabla se proporciona con el objetivo de resaltar la frecuencia y las limitaciones de las transacciones del titular de la tarjeta en un solo día o en un período de tiempo adicional si está justificado:

Tipo de transacción/carga	Importe máximo
Saldo máximo en la tarjeta	$20,000 ( (incluye todas las cargas en efectivo y de depósito directas)	$2,500 $ (incluye todas las cargas en efectivo y de depósito directas)
Retiradas de fondos	Un máximo de hasta $10,000 diarios (incluye todas las ventanillas de bancos, cajeros automáticos y reembolsos por compras de PDV)	Hasta un máximo de $2,500 diarios (incluye todas las ventanillas de bancos, cajeros automáticos y compras de PDV)
Retirada de efectivo (cajero automático)	Un máximo de hasta $1,000 diarios	Un máximo de hasta $1,000 diarios
Retiradas de efectivo (ventanillas de bancos)	Un máximo de hasta $1,000 diarios	Un máximo de hasta $1,000 diarios
Compras (PDV)	Un máximo de hasta $10,000 diarios	Un máximo de hasta$2,500 diarios
Cargas de valor	Cualquier combinación de los tipos de carga indicados a continuación para no superar el Saldo Máximo	$1,000
Depósitos directos	Un máximo de hasta$20,000 diarios	N/A
Depósitos en efectivo	Un máximo de hasta$10,000 diarios	N/A
Transferencias tarjeta a tarjeta	Un máximo de hasta$1,000 diarios	N/A
Tarjeta a tarjeta (dentro de la Cuenta de Tarjeta)	Un máximo de hasta$1,000 diarios	Un máximo de hasta $1,000 diarios
Depósitos en la ACH (transferencias de banco a tarjeta)	Un máximo de hasta$1,000 diarios	N/A

7. Número de identificación personal (“PIN”). Le proporcionaremos un PIN que podrá usar con su Tarjeta cuando se haya verificado su identidad. Solo se emitirá un PIN por cada Cuenta de Tarjeta. Necesitará un PIN para obtener efectivo en un cajero automático o para realizar una compra con PIN u obtener un reembolso en una terminal de punto de venta («PDV»). No debe escribir ni guardar su PIN con su Tarjeta. Si cree que alguien ha obtenido acceso no autorizado a su PIN, debe llamar inmediatamente al número que figura en el reverso de su Tarjeta, (800) 221-6192, o enviar una notificación a través de www.avidprepaid.com, o escribir al Administrador del Programa en Expanse Financial Technologies, Inc.- Avis Prepaid, P.O. Box 307, New Hyde Park, NY 11040.

8. Añadir fondos a su Cuenta de Tarjeta . Puede añadir fondos a su Tarjeta (lo que se denomina «carga de valor» o «carga») en cualquier momento. El importe máximo de carga es de 3000 $. Nota: algunos establecimientos de recarga pueden tener límites adicionales sobre el importe mínimo que puede cargar en su Tarjeta. El valor total máximo de fondos (o el saldo total máximo para ambas tarjetas, la principal y la secundaria) en su Cuenta de Tarjeta no puede superar los 30 000 $ en ningún momento. Se compromete a presentar la Tarjeta y a cumplir los requisitos de identificación para completar las transacciones de carga de valor que se requieran ocasionalmente. Los puntos de carga pueden tener sus propios límites de carga que pueden ser inferiores a nuestra cantidad permitida. Los puntos de carga también pueden cobrar una comisión por cargar fondos en su Cuenta de Tarjeta. También puede realizar un depósito directo en su Cuenta de Tarjeta proporcionando nuestro número de ruta y su Número de Cuenta asignado a su empleador o a otra entidad pagadora de depósitos directos (tal y como se describe en la Sección anterior titulada «Uso y Finalidad de la Cuenta de Tarjeta»). No podrá cargar fondos en su Cuenta de Tarjeta mediante cheque o giro postal.

9. Uso de la tarjeta para obtener efectivo . Con un PIN, puede utilizar su Tarjeta para (i) obtener dinero en efectivo o consultar su saldo en cualquier Cajero Automático («ATM») que porte la marca Visa® o PLUS® o STAR®, o (ii) obtener dinero en efectivo en comerciantes o bancos que hayan acordado proporcionar reembolsos en terminales de PDV que porten la marca Visa®, PLUS® o STAR®. Todas las transacciones en cajeros automáticos se consideran transacciones de retirada de efectivo. El importe máximo de efectivo que puede retirar a diario en un cajero automático es de 1.000 $, según lo descrito en la sección anterior titulada «Limitaciones de Frecuencia e Importe en Dólares de las Transacciones». Podemos limitar el importe de cualquier retirada individual en cajeros automáticos, y los comerciantes, bancos y operadores de cajeros automáticos pueden imponer límites de retirada adicionales. Le cobraremos una comisión por cada retirada de efectivo y consulta de saldo realizada en un cajero automático o retirada de efectivo a través de una ventanilla de banco, por el importe indicado en el «Anexo de Comisiones y Gastos (Anexo A)» adjunto. Además, cuando utilice un cajero automático que no sea de nuestra propiedad, es posible que el operador del cajero automático o cualquier red utilizada le cobren una comisión (y es posible que le cobren una comisión por consulta de saldo incluso si no realiza una transferencia de fondos).

10. Transacciones fraccionadas.Si no tiene suficiente valor cargado en su Tarjeta, puede pedir al comerciante que cargue una parte de la compra a la Tarjeta y pagar el resto en efectivo o con otra tarjeta. Esto se conoce como «transacciones fraccionadas». Algunos comerciantes no permiten a los titulares de tarjetas llevar a cabo transacciones fraccionadas. Algunos comerciantes solo le permitirán realizar una transacción fraccionada si paga el importe restante en efectivo. Si no informa al comerciante de que desea realizar una transacción fraccionada antes de pasar su Tarjeta, es probable que sea rechazada.

11. Transacciones con su Número de TarjetaSi inicia una transacción sin presentar su Tarjeta (por ejemplo, para una compra por correo, Internet o teléfono o una compra de débito por la ACH), el efecto legal será el mismo que si utilizara la propia Tarjeta.

12. Su obligación en transacciones con saldo negativo. Cada vez que inicia una transacción con la Tarjeta, nos autoriza a reducir los fondos disponibles en su Cuenta de Tarjeta por el importe de la transacción y todas las comisiones asociadas. No se le permite superar el importe disponible en su Cuenta de Tarjeta a través de una transacción individual o una serie de transacciones (creando un «saldo negativo»). Sin embargo, si alguna transacción provoca que el saldo de su Cuenta de Tarjeta sea negativo, incluidas las transacciones de compra en las que el minorista o el comerciante no soliciten autorización, seguirá siendo plenamente responsable ante nosotros del importe de cualquier saldo negativo y de todas las comisiones de transacción correspondientes. También puede ser responsable de cualquier Comisión por Fondos Insuficientes/NSF según lo establecido en el «Anexo de Comisiones y Cargos (Anexo A)» adjunto. Nos reservamos el derecho a facturarle cualquier saldo negativo o a recuperar dicho saldo negativo de cualquier otra Tarjeta que le hayamos expedido. Se compromete a pagarnos sin demora el saldo negativo y las comisiones correspondientes. También nos reservamos el derecho a cancelar su Tarjeta si crea uno o más saldos negativos con su Tarjeta.

13. Días hábiles. Nuestros días hábiles son de lunes a viernes, excluyendo los días festivos federales y bancarios legales en el estado de Nueva York.

14. Retenciones de autorización. No tiene derecho a suspender el pago de ninguna transacción de compra procedente del uso de su Tarjeta, salvo una Transacción Periódica como se describe en la Sección a continuación titulada «Transacciones Periódicas». Cuando utiliza su Tarjeta para pagar bienes o servicios, algunos comerciantes pueden pedirnos que autoricemos la transacción por adelantado y el comerciante puede estimar su valor final. Cuando utilice su Tarjeta para obtener dinero en efectivo en un cajero automático o en una ventanilla de banco, autorizaremos la transacción por adelantado (incluidas todas las comisiones aplicables). Cuando autoricemos una transacción de compra, nos comprometemos a poner a su disposición los fondos solicitados cuando la operación se liquide, y retendremos temporalmente los fondos de su Tarjeta por el importe indicado por el comerciante. Si autoriza una transacción y luego no realiza la compra de ese artículo según lo previsto, la aprobación puede dar lugar a una retención por ese importe de fondos. Los comerciantes de alquiler de coches, hoteles y de otros servicios pueden optar por incluir importes adicionales en el momento de la facturación, y pueden transcurrir hasta 60 días después de su estancia o de su alquiler para que los importes retenidos en exceso por el hotel o la empresa de alquiler vuelvan a añadirse a su saldo disponible. De manera similar, algunas gasolineras pueden incluir importes adicionales para cubrir el posible llenado del depósito; si quiere evitar esta retención, puede pagar dentro de la gasolinera en lugar de pagar en el surtidor. Hasta que la transacción no se liquide, no tendrá a su disposición los fondos retenidos para otros fines. Solo cargaremos en su Tarjeta el importe correcto de la transacción final, y liberaremos cualquier importe en exceso cuando la transacción se liquide. Cuando utilice su Tarjeta en determinados restaurantes y comerciantes orientados al servicio, podría añadirse un 20 % adicional (o más) a la autorización para cubrir cualquier propina que pueda dejar en la compra. Si esto sucede, y su factura total, tras añadir el 20 % adicional (o más), supera el importe disponible en su Tarjeta, sus transacciones pueden ser rechazadas. Por lo tanto, asegúrese de que dispone en su tarjeta de un saldo superior en un 20 % (o más) al importe total de la factura antes de utilizarla.

15. Transacciones periódicas Si tiene intención de utilizar su Tarjeta para realizar transacciones periódicas, debería monitorizar su saldo y asegurarse de que dispone de fondos en su Cuenta de Tarjeta para cubrir las transacciones. Las «transacciones periódicas» son transacciones autorizadas previamente por usted para que se carguen en la Tarjeta a intervalos regulares. No nos hacemos responsables si se rechaza una transacción periódica porque no ha mantenido un saldo suficiente en su Cuenta de Tarjeta para cubrir dicha transacción periódica. Si el importe de estas transacciones periódicas puede variar, la persona a la que vaya a pagar deberá comunicarle, 10 días antes de cada pago, cuándo se realizará y cuál será su importe (en su lugar, puede elegir recibir este aviso solo cuando el pago vaya a variar en más de una determinada cantidad en comparación con el pago anterior, o cuando el importe vaya a quedar fuera de determinados límites que establezca). Si obtuvo su Tarjeta a través de su empresa o si recibe depósitos electrónicos de pagos federales en su Tarjeta: Si nos ha comunicado con antelación que va a realizar pagos periódicos (es decir, transacciones recurrentes) con cargo a la Cuenta de su Tarjeta, puede suspender el pago llamando al número que figura en el reverso de su Tarjeta, (800) 221-6192, o enviar una notificación a través de www.avidprepaid.com, o por correo postal a Expanse Financial Technologies, Inc. - Avid Prepaid, P.O. Box 307, New Hyde Park, NY 11040 al menos tres días hábiles antes de la fecha programada para la transferencia. Si llama por teléfono, también podemos exigirle que presente su solicitud por escrito y nos la envíe en un plazo de 14 días desde su llamada. Si nos ordena que detengamos uno de estos pagos tres días hábiles o más antes de que la transferencia esté programada, y no lo hacemos, seremos responsables de sus pérdidas o daños directos. Ofrecemos la función de Pago de Facturas, por lo que, si ha autorizado a un comerciante a realizar la transacción periódica, también deberá contactar con el comerciante correspondiente para detener la transacción periódica.

16.Créditos preautorizados Si ha acordado que se realicen depósitos directos en su Cuenta de Tarjeta al menos una vez cada 60 días de la misma persona o empresa y no recibe un recibo/estado de cuenta (o recibo de nómina), puede llamar al número que figura en el reverso de su Tarjeta o al (800) 221-6192 para descubrir si se ha realizado o no el depósito.

17. Devoluciones y reembolsos. Si, por cualquier motivo, tiene derecho a un reembolso por bienes o servicios adquiridos con su Tarjeta, se compromete a aceptar los abonos en su Cuenta de Tarjeta correspondientes a dichos reembolsos. No tiene derecho al reembolso de cheques, a menos que se haya restringido su Tarjeta. Es posible que los importes abonados en su Tarjeta procedentes de reembolsos no estén disponibles hasta pasados cinco días desde la fecha de la transacción de reembolso.

18. Cancelación y suspensión de la tarjeta; límites. Nos reservamos el derecho, a nuestra entera discreción, de limitar el uso de la Tarjeta, incluida la limitación o la prohibición de tipos específicos de transacciones. Podremos negarnos a expedir una Tarjeta, anular los privilegios de la Tarjeta o cancelar su Tarjeta con o sin causa o notificación, salvo que lo exija la legislación vigente. Si desea cancelar el uso de su Tarjeta, puede hacerlo llamando al número que figura en el reverso de su Tarjeta o al (800) 221-6192. Se compromete a no utilizar ni permitir que otras personas utilicen una Tarjeta caducada, anulada, cancelada, suspendida o no válida por cualquier otro motivo. Nuestra cancelación de los privilegios de la Tarjeta no afectará de otra manera a sus derechos y obligaciones en virtud del presente Contrato. Si cancelamos o suspendemos los privilegios de su Tarjeta por causas ajenas a usted, tendrá derecho a un reembolso según lo dispuesto más adelante en la Sección titulada «Modificación y Cancelación». No todos los servicios descritos en este Contrato están disponibles para todas las personas o en todos los lugares. Nos reservamos el derecho a limitar, a nuestra entera discreción, la prestación de cualquiera de dichos servicios a cualquier persona o en cualquier lugar. Cualquier oferta de un servicio en este Contrato se considerará nula donde esté prohibida. Podemos renunciar o retrasar la aplicación de cualquiera de nuestros derechos de conformidad con el presente Acuerdo sin perderlos.

19. Transacciones internacionales Si inicia una transacción en una divisa o país distinto de la divisa o país en el que se expidió su Tarjeta, se le cobrará a una comisión sobre la transacción (incluidos abonos y anulaciones) según lo establecido en el «Anexo de Comisiones y Gastos (Anexo A)» adjunto a este Contrato. Esta comisión es adicional a la tasa de conversión de divisas. Si la transacción se realiza en una divisa distinta a la del país en el que se expidió su Tarjeta, el comerciante, la red o la asociación de tarjetas que procese la transacción podrá convertir la transacción (incluidos abonos y anulaciones) a la divisa de su Tarjeta de conformidad con sus políticas y tipos en vigor en el momento de la transacción. Si Visa U.S.A., Inc. («Visa») convierte la transacción, establecerá una tasa de conversión de divisas para esta conveniencia utilizando una tasa seleccionada por Visa de la gama de tasas disponibles en los mercados de divisas al por mayor para la fecha de procesamiento central aplicable, que puede variar de la tasa que recibe la propia Visa, o la tasa obligatoria del gobierno en vigor para la fecha de procesamiento central aplicable.

20. Recibos. Debería obtener o solicitar un recibo en el momento en el que realice una transacción u obtenga efectivo utilizando su Tarjeta. Se compromete a conservar sus recibos para verificar sus transacciones. Puede obtener un recibo en el momento de realizar cualquier transferencia desde su Cuenta de Tarjeta usando uno de nuestros terminales de cajero automático.

21. Obtener información sobre el saldo y las transacciones de su Tarjeta; Alternativa de extractos periódicos Debe llevar un registro del importe de los fondos disponibles en su Cuenta de Tarjeta. Puede obtener información sobre la cantidad de fondos de los que dispone en su Cuenta de Tarjeta llamando al número que figura en el reverso de su Tarjeta. Esta información, junto con un historial de 12 meses de las transacciones de la cuenta, también está disponible en línea a través de nuestro sitio web de autoservicio para clientes que figura en el reverso de la Tarjeta. También tiene derecho a obtener un historial escrito de 24 meses de las transacciones de la cuenta llamando al número que figura en el reverso de su Tarjeta o al (800) 221- 6192, o visitando www.avidprepaid.com, o escribiendo a Expanse Financial Technologies, Inc. - Avid Prepaid, P.O. Box 307, New Hyde Park, NY 11040.

22. Confidencialidad. Podemos revelar información a terceros sobre su Tarjeta o las transacciones que realice con ella: (1) cuando sea necesario para completar las transacciones; (2) para verificar la existencia y el estado de su Tarjeta para un tercero, como un comerciante; (3) para cumplir con los requisitos de una agencia gubernamental, una orden judicial u otros requisitos legales de información; (4) si nos lo autoriza por escrito; (5) a nuestros empleados y a los empleados del Administrador del Programa, auditores, afiliados, proveedores de servicios o abogados, según sea necesario; y (6) según lo dispuesto de otra manera en nuestro Aviso de Política de Privacidad a continuación.

23. Nuestra responsabilidad en caso de que no se completen las transacciones En ningún caso, ni nosotros ni el Administrador del Programa seremos responsables de daños emergentes (incluida la pérdida de beneficios), extraordinarios, especiales o punitivos. No seremos responsables, por ejemplo: (1) si, por causas ajenas a nosotros o al Administrador del Programa, no dispone de fondos suficientes en su Cuenta de Tarjeta para completar la transacción; (2) si un comerciante se niega a aceptar su Tarjeta o a realizar un reembolso; (3) si un cajero automático en el que está realizando una retirada de efectivo no dispone de efectivo suficiente; (4) si un terminal electrónico en el que está realizando una transacción no funciona correctamente, y conocía el problema cuando inició la transacción; (5) si se ha bloqueado el acceso a su Tarjeta después de que denunciara la pérdida o el robo de la misma o de su(s) Código(s) de Acceso («Código de Acceso» incluye su(s) identificador(es) de usuario, contraseña(s), PIN y cualquier otro código de acceso o credencial relacionado con su Cuenta de Tarjeta); (6) si hay una retención o sus fondos están sujetos a un proceso legal u otro impedimento que restrinja su uso; (7) si nosotros o el Administrador del Programa tenemos motivos para creer que la transacción solicitada no está autorizada; (8) si circunstancias que escapan a nuestro control o al del Administrador del Programa (como un incendio, una inundación o un fallo informático o de comunicación) impiden que se realice la transacción, a pesar de las precauciones razonables que nosotros o el Administrador del Programa hayamos tomado; o (9) por cualquier otra excepción establecida en nuestro Acuerdo con usted.

24. En caso de errores o preguntas sobre su Cuenta de Tarjeta Si cree que ha habido un error en su Cuenta de Tarjeta, llame inmediatamente al número que figura en el reverso de su Tarjeta, (800) 221-6192, notifique a través de www.avidprepaid.com o escriba a Expanse Financial Technologies, Inc.- Avid Prepaid, P.O. Box 307, New Hyde Park, NY 11040. Le permitiremos informar de un error hasta 60 días después de la fecha de acceso electrónico a su Cuenta de Tarjeta, si el error podía verse en su historial electrónico, o de la fecha en que le enviamos el PRIMER historial escrito en el que aparecía el error, lo que ocurra primero. Puede solicitar un historial escrito de sus transacciones en cualquier momento llamando al número que figura en el reverso de su Tarjeta, (800) 221-6192, o visitandowww.avidprepaid.com, o escribiendo al Administrador del Programa en Expanse Financial Technologies, Inc.- Avid Prepaid, P.O. Box 307, New Hyde Park, NY 11040. Tendrá que comunicarnos: (1) su nombre y Número de Tarjeta; (2) por qué cree que hay un error, y el importe en dólares implicado, y (3) cuándo se produjo el error aproximadamente. Si nos lo comunica verbalmente, necesitaremos que nos envíe su queja o pregunta por escrito en un plazo de 10 días hábiles. Determinaremos si se ha producido un error en un plazo de 10 días hábiles (cinco días hábiles en el caso de las transacciones de débito no autorizadas con Firma de Punto de Venta de Visa, a menos que el equipo de resolución de disputas determine que existe una base excepcional, en cuyo caso Visa permite un periodo de cinco días hábiles adicionales para proporcionar el abono provisional) desde que contacte con nosotros y corregiremos cualquier error sin demora. Sin embargo, si necesitamos más tiempo, podemos tomarnos hasta 45 días para investigar su queja o pregunta. Si decidimos llevarlo a cabo, abonaremos provisionalmente en su Tarjeta en un plazo de 10 días hábiles (cinco días hábiles para transacciones de débito no autorizadas con Firma de Punto de Venta de Visa, a menos que el equipo de resolución de disputas determine que existe una base excepcional, en cuyo caso Visa permite un periodo de cinco días hábiles adicionales para proporcionar el abono provisional) la cantidad que considere errónea, para que pueda utilizar el dinero durante el tiempo necesario para completar la investigación. Si le pedimos que presente su queja o pregunta por escrito y no lo hace en un plazo de 10 días hábiles (cinco días hábiles en el caso de transacciones de débito no autorizadas con Firma de Punto de Venta de Visa), es posible que no abonemos el importe en su Cuenta de Tarjeta. En el caso de errores en Cuentas de Tarjeta nuevas (es decir, Tarjetas cuyo depósito inicial o carga de valor haya ocurrido en los últimos 30 días), transacciones de PDV o transacciones iniciadas en el extranjero, podemos tardar hasta 90 días en investigar su queja o pregunta. Le comunicaremos los resultados dentro de los tres días hábiles siguientes a la finalización de la investigación. Si decidimos que no hubo un error, le enviaremos una explicación por escrito y cargaremos en su Cuenta de Tarjeta el importe del abono provisional. Puede solicitar copias de los documentos que hemos utilizado en nuestra investigación. Si necesita más información sobre nuestros procedimientos de resolución de errores, llame al Administrador del Programa al número que figura en el reverso de su Tarjeta.

25. Pérdida o robo de tarjetas/transferencias no autorizadas Si cree que ha perdido o que alguien ha robado su Tarjeta, Código(s) de Acceso o Pin, llame al número que figura en el reverso de su Tarjeta o al (800) 221-6192, o envíe una notificación a través de www.avidprepaid.com, o escriba al Administrador del Programa en Expanse Financial Technologies, Inc.- Avis Prepaid, P.O. Box 307, New Hyde Park, NY 11040. También debería llamar al (800) 221-6192, al número que figura en el reverso de su Tarjeta, o escribir a la dirección que se indica aquí si cree que se ha realizado una transferencia electrónica utilizando la información de su Tarjeta, su(s) Código(s) de Acceso o su PIN sin su permiso.

26. Su responsabilidad en caso de transferencias no autorizadas Se compromete a ejercer un control razonable sobre la información relacionada con su Cuenta de Tarjeta, incluyendo su Tarjeta, su(s) Código(s) de Acceso y su PIN. Comuníquenos DE INMEDIATO si cree que ha perdido o le han robado su Tarjeta, su(s) Código(s) de Acceso o su PIN. Además, si su historial de transacciones muestra transferencias que no ha realizado, incluidas las realizadas con su Tarjeta, Número de Tarjeta o Número de Cuenta, o cree que se ha realizado una transferencia electrónica sin su permiso, comuníquenoslo de inmediato. La mejor forma de evitar pérdidas es llamar al número gratuito que figura en el reverso de su Tarjeta o al (800) 221-6192. Podría perder todo el dinero en su Cuenta de Tarjeta. Si nos lo comunica en el plazo de dos días hábiles desde que descubrió la pérdida o robo de su Tarjeta, no puede perder más de 50,00 $ si alguien utilizó su Tarjeta sin su permiso. Si NO nos lo comunica dentro de los dos días hábiles desde que descubrió la pérdida o robo de su Tarjeta, y podemos demostrar que podríamos haber impedido que alguien utilizara su Tarjeta sin su permiso si nos lo hubiera comunicado, podría perder hasta 500,00 $. Si no nos lo comunica dentro de los 60 días desde la fecha de acceso electrónico a su Cuenta de Tarjeta o desde la fecha en que le enviamos el PRIMER historial escrito en el que aparecía el error, lo que ocurra primero, podría no recuperar el dinero que haya perdido una vez transcurridos los 60 días si podemos demostrar que podríamos haber impedido que alguien se llevara el dinero si nos lo hubiera comunicado a tiempo. Si no pudo comunicárnoslo por un buen motivo documentado (como un viaje largo o una hospitalización), ampliaremos los plazos. Política de Responsabilidad Cero de Visa. Además de las limitaciones de responsabilidad descritas anteriormente, no será responsable del uso no autorizado que se haga después de notificarnos la pérdida, el robo o el uso no autorizado de su Tarjeta, su(s) Código(s) de Acceso o su PIN. También se compromete a cooperar plenamente con nosotros en los intentos de recuperar los fondos de los usuarios no autorizados y a colaborar en su acusación. Podremos emitir Tarjeta(s), Código(s) de Acceso y PIN de reemplazo, pero solo después de que haya proporcionado las pruebas y la seguridad o indemnización que podamos requerir. Además, reconoce que puede que tengamos que desactivar su(s) Tarjeta(s) y/o Cuenta de Tarjeta para evitar futuras pérdidas. Si comparte su(s) Tarjeta(s), Código(s) de Acceso o PIN con otra persona, el uso de su Cuenta de Tarjeta por parte de dicha persona podrá considerarse como autorizado. Si autoriza a otra persona a utilizar su Tarjeta, Código(s) de Acceso o PIN, acepta que será responsable de todas las transacciones derivadas del uso de la Tarjeta, Código(s) de Acceso o PIN por parte de dicha persona, salvo que se establezca de otra manera en el presente Contrato. En todos los casos, nuestra responsabilidad por una transacción no autorizada se limita a reembolsarle el valor nominal de la transacción no autorizada y las comisiones correspondientes, salvo que la legislación aplicable lo exija de otra manera. Una transacción no está autorizada si no la ha iniciado, no ha dado permiso para realizarla y no se beneficia de ella de ninguna manera. La política de Responsabilidad Cero de Visa solo cubre las tarjetas expedidas en los EE.UU. y no se aplica a las transacciones en cajeros automáticos fuera de las redes de Visa y PLUS, a las transacciones con PIN no procesadas por Visa ni a determinadas transacciones con tarjetas comerciales. El titular de la tarjeta debe notificarnos de inmediato cualquier uso no autorizado.

27. Otras condiciones Su Tarjeta y sus obligaciones en virtud del presente Contrato no podrán cederse. Podemos transferir nuestros derechos en virtud del presente Contrato. El uso de su Tarjeta está sujeto a todas las normas y costumbres aplicables de cualquier cámara de compensación u otra asociación implicada en las transacciones. No renunciamos a nuestros derechos por retrasar o dejar de ejercer los mismos en cualquier momento. Si se determina que alguna disposición del presente Contrato no es válida o no es ejecutable en virtud de cualquier norma, ley o reglamento de cualquier agencia gubernamental, ya sea local, estatal o federal, la validez o aplicabilidad de cualquier otra disposición del presente Contrato no se verá afectada. El presente Contrato se regirá por la legislación del estado de Nueva York, salvo en la medida en que la legislación federal lo rija o haya establecido previamente.

28. Enmienda y cancelación Podemos modificar o cambiar los términos y condiciones de este Contrato en cualquier momento. Recibirá una notificación sobre cualquier cambio en la forma prevista por la legislación aplicable antes de la fecha efectiva del cambio. Sin embargo, si el cambio se realiza por motivos de seguridad, podremos implementarlo sin previo aviso. Podremos cancelar o suspender su Tarjeta o el presente Contrato en cualquier momento. También puede cancelar este Contrato llamando al número que figura en el reverso de su Tarjeta o al (800) 221-6192. Si cancela su Tarjeta, puede poner a cero el saldo de su Cuenta de Tarjeta antes de cerrar su Cuenta de Tarjeta o solicitar que le enviemos un cheque por el importe del saldo de su Cuenta de Tarjeta cuando cierre su Cuenta de Tarjeta, lo que haremos por una tarifa según lo establecido en el «Anexo de Comisiones y Cargos (Anexo A)» adjunto a este Contrato. Si cancelamos su Tarjeta cuando su Cuenta de Tarjeta tenga saldo, le enviaremos un cheque por el importe del saldo de su Cuenta de Tarjeta sin cargo alguno. En cualquier caso, el cheque se enviará a su dirección que figure en nuestros registros. La rescisión por su parte del presente Contrato no afectará a ninguno de nuestros derechos ni a sus obligaciones derivadas del presente Contrato antes de la rescisión.

29. Monitorización/grabación de llamadas telefónicas Ocasionalmente, podremos monitorizar y/o grabar las llamadas telefónicas entre usted y nosotros para garantizar la calidad de nuestro servicio de atención al cliente o según lo exija la legislación vigente.

30. Sin garantía sobre bienes y servicios No nos hacemos responsables de la calidad, seguridad, legalidad ni de ningún otro aspecto de los bienes o servicios que adquiera con su Tarjeta.

31. Disposición de Arbitraje La presente Disposición de Arbitraje establece las circunstancias y los procedimientos en virtud de los cuales las reclamaciones (según se definen a continuación) se someterán a arbitraje en lugar de litigio ante un tribunal a elección de cualquiera de las partes. (a) Definiciones: Tal y como se utiliza en la presente Disposición de Arbitraje, el término «Reclamación» hace referencia a cualquier reclamación, disputa o controversia entre usted y nosotros, o entre usted y Expanse Financial Technologies, Inc. como Administrador del Programa de la Tarjeta Visa® Prepagada Avid o cualquiera de sus agentes o minoristas, que surja de o esté relacionada con la Tarjeta o el presente Contrato, así como cualquier contrato relacionado o anterior que haya podido tener con nosotros o las relaciones resultantes del presente Contrato, incluida la validez, aplicabilidad o alcance de esta Disposición de Arbitraje o del Contrato. «Reclamación» incluye reclamaciones de todo tipo y naturaleza, incluidas, entre otras, reclamaciones iniciales, contrademandas, demandas cruzadas y reclamaciones de terceros, reclamaciones basadas en contratos, agravios, fraude y otros agravios intencionados, estatutos, reglamentos, derecho común y equidad. El término «Reclamación» debe recibir el significado más amplio posible que sea de aplicación e incluye, a modo de ejemplo y sin limitación, cualquier reclamación, disputa o controversia que surja o esté relacionada con (i) su Tarjeta, o las Tarjetas de cualquier titular adicional designado por usted; (ii) el importe de los fondos disponibles en las Tarjetas; (iii) anuncios, promociones o declaraciones orales o escritas relacionadas con las tarjetas, bienes o servicios comprados con las Tarjetas; (iv) los beneficios y servicios relacionados con las Tarjetas; y (v) su inscripción para cualquier Tarjeta. No optaremos por emplear el arbitraje en virtud de la Disposición de Arbitraje para ninguna Reclamación que presente y tramite debidamente ante un tribunal de instancia de su estado o municipio, siempre que la Reclamación sea individual y esté pendiente únicamente en ese tribunal; cualquier apelación que se interponga ante dicho tribunal se tramitará únicamente mediante arbitraje. Tal y como se utiliza en la presente Disposición de Arbitraje, los términos «nosotros» y «nos» hacen referencia, a todos los efectos, al Banco, al Administrador del Programa, a las filiales de propiedad mayoritaria o absoluta, a los afiliados, licenciatarios, predecesores, sucesores y cesionarios, así como a todos sus agentes, empleados, directores y representantes. Además, «nosotros» o «nos» incluirá a cualquier tercero que utilice o proporcione cualquier producto, servicio o beneficio en relación con cualquier Tarjeta (incluidos, entre otros, comerciantes que aceptan la Tarjeta, terceros que utilizan o prestan servicios, cobradores de deudas y todos sus agentes, empleados, directores y representantes) si, y solo si, dicho tercero es nombrado como coparte con nosotros (o presenta una Demanda con o contra nosotros) en relación con una Demanda presentada por usted. De uso exclusivo en esta Disposición de Arbitraje, los términos «usted» o «su» harán referencia a todas las personas o entidades aprobadas por nosotros para tener y/o utilizar una Tarjeta, incluidas, entre otras, todas las personas o entidades contractualmente obligadas en virtud de cualquiera de los Contratos y todos los titulares de tarjetas adicionales. (b) Inicio del procedimiento de arbitraje/Selección del administrador: Toda Demanda se resolverá, a elección suya o nuestra, mediante arbitraje de conformidad con la presente Disposición de Arbitraje y el código de procedimientos de la organización nacional de arbitraje a la que se remita la Demanda vigente en la fecha de su presentación. Las Demandas se remitirán a los Servicios Judiciales de Arbitraje y Mediación («JAMS») o a la Asociación Americana de Arbitraje («AAA»), a elección de la parte que escoja el arbitraje. Si la selección por nuestra parte de una de estas organizaciones es inaceptable para usted, tendrá derecho, en un plazo de treinta (30) días desde la recepción de la notificación de nuestra elección, a seleccionar la otra organización de la lista para que actúe como administrador del arbitraje. Para obtener una copia de los procedimientos, presentar una Demanda o cualquier otra información sobre estas organizaciones, contacte con ellas de la siguiente manera: (i) JAMS en 1920 Main Street, Suite 300, Los Ángeles, CA 92614; sitio web en www.jamsadr.com; y (ii) AAA en 335 Madison Avenue, Nueva York, NY 10017; sitio web en www.adr.org. (c) Trascendencia del arbitraje: SI ALGUNA DE LAS PARTES OPTA POR EL ARBITRAJE EN RELACIÓN CON UNA DEMANDA, NI USTED NI NOSOTROS TENDREMOS DERECHO A LITIGAR DICHA DEMANDA ANTE UN TRIBUNAL NI A CELEBRAR UN JUICIO CON JURADO SOBRE LA MISMA, NI A PARTICIPAR EN LA PRESENTACIÓN DE PRUEBAS, SALVO LO DISPUESTO EN EL CÓDIGO DE PROCEDIMIENTOS DE JAMS O LA AAA, SEGÚN CORRESPONDA (EL «CÓDIGO»). ADEMÁS, NO TENDRÁ DERECHO A PARTICIPAR EN CALIDAD DE REPRESENTANTE O MIEMBRO DE NINGUNA CLASE DE DEMANDANTES EN RELACIÓN CON NINGUNA DEMANDA SUJETA A ARBITRAJE. EL ÁRBITRO NO LLEVARÁ A CABO UN ARBITRAJE DE COLECTIVO NI UN ARBITRAJE CONJUNTO, SALVO EN LOS CASOS QUE SE INDICAN A CONTINUACIÓN. LA DECISIÓN DEL ÁRBITRO SERÁ DEFINITIVA Y VINCULANTE. TENGA EN CUENTA QUE OTROS DERECHOS QUE TENDRÍA SI ACUDIERA A LOS TRIBUNALES TAMBIÉN PUEDEN NO ESTAR DISPONIBLES EN EL ARBITRAJE

(d) Restricciones al arbitraje: Si alguna de las partes opta por resolver una Demanda a través del arbitraje, dicha Demanda se someterá a arbitraje de forma individual. No habrá derecho o autoridad para que ninguna Demanda sea arbitrada sobre una base de demanda colectiva o sobre bases que impliquen Demandas presentadas en una supuesta capacidad representativa en nombre del público en general, otros Titulares de Tarjeta u otras personas en una situación similar. La autoridad del árbitro para resolver las Demandas se limita a las Demandas entre usted y nosotros exclusivamente, y la autoridad del árbitro para dictar fallos se limita a usted y nosotros exclusivamente. Además, las Demandas presentadas por usted contra nosotros o por nosotros contra usted no podrán unirse o consolidarse en arbitraje con Demandas presentadas por o contra alguien que no sea usted, excepto si todas las partes acuerdan lo contrario por escrito. Esta sección de esta Disposición de Arbitraje es la «Renuncia a Demandas Colectivas».

(e) Lugar del arbitraje/Pago de tasas: Cualquier vista de arbitraje a la que asista tendrá lugar en el distrito judicial federal de su residencia. A petición suya por escrito, consideraremos de buena fe realizar un anticipo temporal de la totalidad o parte de las tasas de presentación, administrativas y/o de la vista para cualquier Reclamación que inicie en relación con la cual usted o nosotros solicitemos un arbitraje. Al finalizar el arbitraje (o cualquier recurso contra el mismo), el árbitro (o panel) decidirá quién será responsable en última instancia del pago de las tasas de arbitraje, administrativas y/o de la vista en relación con el arbitraje (o recurso). Si, y en la medida en que, usted incurra en gastos de presentación, administrativos y/o de la vista en el arbitraje, incluido cualquier recurso, que superen el importe al que habrían llegado si la Demanda se hubiera presentado ante el tribunal estatal o federal más cercano a su dirección de facturación y que hubiera tenido jurisdicción sobre la Demanda, le reembolsaremos dicho importe salvo que el árbitro (o panel) determine que los gastos se incurrieron sin ninguna justificación sustancial. (f) Procedimientos de arbitraje: Esta Disposición de Arbitraje se realiza de conformidad con una transacción que conlleva un comercio interestatal, y se regirá por la Ley Federal de Arbitraje, 9 U.S.C. Secciones 1-16, en su versión modificada (la «FAA»). El arbitraje se regirá por el Código aplicable, salvo que (hasta el punto que sea aplicable de conformidad con la FAA) esta Disposición de arbitraje lo controlará si es incompatible con el Código aplicable. El árbitro aplicará la ley sustantiva aplicable compatible con la FAA. las prescripciones aplicables y respetará las reclamaciones de privilegio reconocidas por ley y, a petición oportuna de cualquiera de las partes, proporcionará una breve explicación escrita de la base de la decisión. Al llevar a cabo el procedimiento de arbitraje, el árbitro no aplicará las normas federales o estatales de procedimiento civil o las normas de prueba. Cualquiera de las partes podrá presentar una solicitud al árbitro para ampliar el alcance de la revelación de pruebas permitida por el Código aplicable. La parte que presente dicha solicitud deberá proporcionar una copia a la otra parte, que podrá presentar objeciones al árbitro con copia de las objeciones proporcionadas a la parte solicitante en un plazo de 15 días desde la recepción de la notificación de la parte solicitante. La concesión o denegación de dicha solicitud quedará a la discreción única y exclusivamente del árbitro, quien notificará su decisión a las partes en un plazo de 20 días desde la presentación de la parte objetante. El árbitro tomará las medidas razonables para preservar la privacidad de los individuos y de los asuntos comerciales. Cualquier tribunal competente podrá dictar sentencia sobre el fallo dictado por el árbitro. La decisión del árbitro será definitiva y vinculante, a excepción de cualquier derecho de apelación previsto por la FAA. No obstante, cualquiera de las partes podrá apelar el fallo ante un panel de tres árbitros administrado por la misma organización de arbitraje, que volverá a considerar cualquier aspecto del fallo inicial objetado por la parte apelante. La parte apelante dispondrá de 30 días desde la fecha de entrada en vigor del fallo arbitral escrito para notificar a la organización de arbitraje que ejerce el derecho de apelación. La apelación se presentará ante la organización de arbitraje a través de un escrito fechado. En ese momento, la organización de arbitraje notificará a la otra parte que se ha recurrido el fallo. La organización de arbitraje designará un panel de tres árbitros que llevarán a cabo el arbitraje de conformidad con su Código y emitirán una decisión en un plazo de 120 días desde la fecha de la notificación por escrito del apelante. La decisión del panel se tomará por mayoría de votos y será definitiva y vinculante.

(g) Medidas cautelares públicas: Si se presenta una Reclamación solicitando medidas cautelares públicas y un tribunal determina que las restricciones de la Renuncia a Demanda Colectiva y/o de cualquier otra parte de esta Disposición de Arbitraje que prohíben al árbitro conceder compensaciones en nombre de terceros son inaplicables en relación con dicha Reclamación, y dicha determinación se convierte en definitiva una vez agotados todos los recursos, la Reclamación de medidas cautelares públicas se resolverá en los tribunales y toda Reclamación individual que solicite una compensación monetaria se someterá a arbitraje. En tal caso, las partes solicitarán que el tribunal suspenda la Reclamación de medidas cautelares públicas hasta que el tribunal dicte el fallo arbitral relativo a la reparación individual. En ningún caso se someterá a arbitraje una Reclamación de medidas cautelares públicas.

(h) Sin efecto preclusivo: Ningún fallo arbitral que implique a las partes tendrá efecto preclusivo sobre cuestiones o reclamaciones en cualquier litigio que implique a cualquier persona que no sea parte en el arbitraje, ni un fallo arbitral en litigios previos que impliquen a otras partes tendrá efecto preclusivo en un arbitraje entre las partes de esta Disposición de Arbitraje. (i) Continuación: Esta Disposición de Arbitraje prevalecerá sobre la terminación de su Tarjeta, así como al pago voluntario de la deuda en su totalidad por su parte, cualquier procedimiento legal nuestro para cobrar una deuda contraída por usted, y cualquier quiebra suya o nuestra. Si alguna parte de esta Disposición de Arbitraje se considera como no válida o inaplicable en virtud de cualquier principio o disposición de ley o equidad, de conformidad con la FAA, no invalidará las partes restantes de esta Disposición de Arbitraje, el Contrato o cualquier contrato anterior que haya tenido con nosotros será aplicable independientemente de dicha invalidez.

32. Transacciones con Cheques Prefinanciados («Condiciones de los Cheques»). La función de transacción con cheque prefinanciado no está permitida en este programa.

33. Envío de Comunicaciones electrónicas La siguiente Divulgación de Comunicaciones Electrónicas («Divulgación») se aplica a todas las comunicaciones o divulgaciones que estamos legalmente obligados a proporcionarle por escrito en relación con su Cuenta de Tarjeta y cualquier producto y servicio relacionado («Comunicaciones»), en la medida en que haya dado su consentimiento para recibir dichas Comunicaciones electrónicamente y la falta de consentimiento dará lugar al rechazo de la solicitud de una Tarjeta Visa Prepagada Avid, salvo lo dispuesto a continuación.

Alcance de los comunicados que se deben proporcionar en formato electrónico.. Cuando utilice un producto o servicio al que se aplique la presente Divulgación, acepta podríamos proporcionarle cualquier Comunicación en formato electrónico y dejar de enviarle Comunicaciones en papel, salvo y hasta que retire su consentimiento tal y como se describe a continuación. Su consentimiento para recibir Comunicaciones electrónicas incluye, entre otros:

Toda divulgación y comunicaciones legales y reglamentarias asociadas a su Cuenta de Tarjeta y a cualquier producto o servicio relacionado con la misma
Su Contrato de Titular de Tarjeta y cualquier notificación sobre un cambio en los términos de su Contrato de Titular de Tarjeta Políticas de privacidad y avisos
Políticas y avisos de resolución de errores
Respuestas a reclamaciones presentadas en relación con su Cuenta de Tarjeta
Notificaciones relativas a fondos insuficientes o saldos negativos

Método para enviarle Comunicaciones en formato electrónico. Todas las Comunicaciones que le enviemos en formato electrónico se realizarán (1) accediendo a un sitio web que designaremos en una notificación por correo electrónico que le enviaremos cuando la información esté disponible, o (2) publicando dichas Comunicaciones en www.avidprepaid.com

Cómo retirar el consentimiento. Puede retirar su consentimiento para recibir Comunicaciones en formato electrónico en cualquier momento llamando al número que figura en el reverso de su Tarjeta, (800) 221-6192, o visitando www.avidprepaid.com, o escribiendo al Administrador del Programa en Expanse Financial Technologies, Inc.- Avid Prepaid, P.O. Box 307, New Hyde Park, NY 11040. Si retira su consentimiento, cerraremos su Cuenta de Tarjeta, excepto cuando lo prohíba la ley. No impondremos ninguna comisión al proceso de la revocación de su consentimiento para recibir comunicaciones electrónicas. La revocación de su consentimiento para recibir comunicaciones electrónicas solo será efectiva después de que dispongamos de un plazo razonable para procesar su solicitud de revocación. Mientras tanto, seguirá recibiendo las Comunicaciones en formato electrónico. Si revoca su consentimiento, la validez legal y la aplicabilidad de las Comunicaciones anteriores entregadas en formato electrónico no se verán afectadas.

Cómo actualizar sus registros.. Es su responsabilidad proporcionarnos su dirección de correo electrónico verdadera, exacta y completa (si ha optado por recibir mensajes de correo electrónico de nosotros), su información de contacto y otra información relacionada con esta Divulgación y su Cuenta de Tarjeta, y mantener y actualizar rápidamente cualquier cambio en esta información. Puede actualizar la información (como su correo electrónico) a través de o llamando al número que figura en el reverso de su Tarjeta o al (800) 221-6192

Requisitos de hardware y software.Para acceder, ver y conservar las Comunicaciones que ponemos a su disposición electrónicamente, debe disponer de:

Un navegador de Internet compatible con el cifrado de 128 bits
Microsoft Internet Explorer 6.0 o superior, o el software equivalente
Capacidad de almacenamiento electrónico suficiente en el disco duro de su ordenador o en otra unidad de almacenamiento de datos Una cuenta de correo electrónico con un proveedor de servicios de Internet y un software de correo electrónico
Un ordenador personal (base de 1,0 GHz o superior), sistema operativo y conexiones de telecomunicaciones a Internet capaces de recibir, acceder, mostrar e imprimir o almacenar Comunicaciones recibidas de nosotros a través de un correo electrónico en formato de texto plano o accediendo a nuestro sitio web utilizando el navegador especificado anteriormente o un software equivalente.
Adobe Reader versión 9.0 o superior

Solicitud de copias en papel. No le enviaremos copias impresas de ningún comunicado, a menos que usted así lo solicite o que consideremos que sea apropiado hacerlo. Puede obtener una copia de un comunicado recibido por vía electrónica en papel si lo imprime usted mismo o si nos solicita que le enviemos una copia impresa por correo, siempre y cuando la solicitud se realice una vez que haya transcurrido un plazo razonable desde el momento en el que le hayamos enviado el mensaje en forma electrónica. Para solicitar una copia impresa, contáctenos al (800) 221-6192, o escríbanos a Avid Prepaid, P.O. Box 307, New Hyde Park, NY 11040. También puede enviarnos un correo electrónico a info@avidprepaid.com.

Cancelación/Modificaciones.. Nos reservamos el derecho, a nuestra entera discreción, de interrumpir el suministro de sus Comunicaciones electrónicas, o de rescindir o modificar los términos y condiciones sobre los que proporcionamos las Comunicaciones electrónicas. Le notificaremos cualquier rescisión o modificación según lo rija la legislación.

Rev. 11/2020

FACTS	¿QUÉ HACE PATRIOT BANK CON SU INFORMACIÓN PERSONAL?
¿Por qué?	Las empresas financieras eligen cómo comparten su información personal. La ley federal otorga a los consumidores el derecho a limitar parte de la divulgación, pero no toda. La legislación federal también nos obliga a informarle sobre cómo recopilamos, compartimos y protegemos su información personal. Por favor, lea atentamente este aviso para comprender lo que hacemos
¿Qué?	Los tipos de información personal que recopilamos y compartimos dependen del producto o servicio que tenga con nosotros. Esta información puede incluir: Número de la Seguridad Social Saldos de la cuenta Historial de transacciones Transacciones de la cuenta Información de la cuenta corriente Instrucciones para transferencias bancarias Cuando deje de ser nuestro cliente, seguiremos compartiendo su información tal y como se describe en este aviso.
¿Cómo?	Todas las empresas financieras necesitan compartir la información personal de sus clientes para llevar a cabo su actividad diaria. En la sección siguiente, indicamos las razones por las que las empresas financieras pueden compartir la información personal de sus clientes; las razones por las que Patriot Bank decide compartirla; y si puede limitar esta divulgación.

Razones por las que podemos compartir su información personal	¿Patriot Bank comparte información?	¿Puede limitar esta divulgación?
Para nuestros fines comerciales cotidianos – Como procesar sus transacciones, mantener su(s) cuenta(s), responder a órdenes judiciales e investigaciones legales, o informar a agencias de crédito	Si	No
Para nuestros fines comerciales – Ofrecerle nuestros productos y servicios	Si	No
Para comerciar conjuntamente con otras empresas financieras	No	No
Para los fines comerciales cotidianos de nuestros afiliados - – Información sobre sus transacciones y experiencias	No	No compartimos
Para los fines comerciales cotidianos de nuestros afiliados – Información sobre su solvencia	No	No compartimos
Para que no afiliados comercialicen con usted	No	No compartimos

¿Tiene alguna pregunta?

Llame al 1-866-363-8226 o entre en https://bankpatriot.com/

Lo Qué hacemos
¿Cómo protege mi información personal el Patriot Bank?		Para proteger su información personal del acceso y uso no autorizados, empleamos medidas de seguridad que cumplen con la ley federal. Estas medidas incluyen salvaguardias informáticas y archivos y edificios seguros. También mantenemos otras salvaguardias físicas, electrónicas y de procedimiento para proteger esta información y limitamos el acceso a la información a aquellos empleados para los que el acceso es adecuado
¿Cómo recopila el Patriot Bank mi información personal?		Recopilamos su información personal, por ejemplo, cuando Abre una cuenta o nos facilita sus datos de contacto Solicita financiación o muestra su carné de conducir Proporciona información sobre su cuenta También recopilamos su información personal de terceros, como agencias de crédito, filiales u otras empresas
¿Por qué no puedo limitar toda esta divulgación?		La ley federal le da derecho únicamente a limitar que se comparta información sobre su solvencia para los fines comerciales diarios de las filiales que las filiales utilicen su información para comercializar con usted que las empresas no afiliadas compartan su información para comercializar con usted Las leyes estatales y las empresas individuales pueden otorgarle derechos adicionales para limitar la divulgación. A continuación, encontrará más información sobre sus derechos según la legislación estatal.
Definitions
Afiliados		Empresas relacionadas por propiedad o control común. Pueden ser empresas financieras y no financieras Patriot Bank no comparte información con nuestros afiliados
No afiliados		Empresas no relacionadas por propiedad o control común. Pueden ser empresas financieras y no financieras. Patriot Bank no comparte información con no afiliados para que puedan comercializar con usted.
Comercialización conjunta		Un acuerdo formal entre empresas financieras no afiliadas que comercian conjuntamente productos o servicios financieros para usted Nuestros socios de comercialización conjunta incluyen compañías de cuentas de tarjetas de crédito.
Otra información importante
Para clientes de Alaska, Illinois, Maryland y Dakota del Norte. No compartiremos información personal con empresas no afiliadas para que comercialicen con usted o para comerciar conjuntamente sin su autorización. Para clientes de California No compartiremos información personal con empresas no afiliadas para que comercialicen con usted o para comerciar conjuntamente sin su autorización. También limitaremos la divulgación de su información personal con nuestros afiliados para cumplir con todas las leyes de privacidad de California que se nos aplican. Además, podemos recopilar información de identificación personal sobre usted a través de nuestro sitio web, incluidos, entre otros, su nombre y apellidos, dirección, correo electrónico, número de teléfono o cualquier otro identificador que permita ponerse en contacto físico o en línea con una persona concreta. Si cambiamos nuestra política de privacidad para nuestro sitio web, se le notificará como exige la ley. Para clientes de Massachusetts, Mississippi y Nueva Jersey. No compartiremos información personal del depósito ni compartiremos relaciones con no afiliados para que comercialicen con usted o para comerciar conjuntamente sin su autorización. Para clientes de Vermont. No divulgaremos información sobre su solvencia a nuestras filiales y no divulgaremos su información personal, información financiera, informe crediticio o información de salud a terceros no afiliados para comercializar con usted, salvo en los casos permitidos por la legislación de Vermont, salvo que nos autorice a realizar dichas divulgaciones. Puede consultar información adicional relativa a nuestras políticas de privacidad en https://bankpatriot.com/ o llamando al 1-866-363-8226.

Anexo A

ANEXO DE TODAS LAS COMISIONES Y CARGOS PARA Avid GO! Tarjeta Visa® Prepagada

Estado : Todos

TODAS LAS COMISIONES	IMPORTE	DETALLES
Empezar
Comisión de activación de la tarjeta (para la Tarjeta Principal)	$4.95	Una tasa única por tarjeta nueva para la Tarjeta Principal
Uso mensual
Comisión mensual	$0.00
Añadir dinero
Carga de valor (Principal)	$2.00	Por transacción. Las redes de carga de terceros cobran comisiones adicionales. Por favor, consulte la Red de Carga de Terceros para conseguir un anexo de sus comisiones y cargos (Western Union, MoneyGram y Visa Ready Link).
Depósito directo	$0.00	Por transacción
Transferencia tarjeta a tarjeta	$2.00	Por transacción
Transferencia banco a tarjeta (interna) (Principal)	$0.00	Por transacción; sin coste para usted.
Acceso anticipado (Principal) (Depósito gubernamental/no gubernamental)	$3.00/$2.00	Por depósito. Este servicio requiere que opte por él. Puede optar por esta función para recibir sus depósitos directos antes de la fecha de entrada en vigor. Puede cancelar este servicio en cualquier momento y recibir su depósito directo en la fecha de entrada en vigor original llamándonos al (800) 221-6192 o al (801) 893-7716, o por correo electrónico a la dirección customerservice@avidprepaid.com o escribiendo a Expanse Financial Technologies, Inc - Avid Prepaid, P.O. Box 307, New Hyde Park, NY 11040.
Gastar dinero
Compra de débito con PIN en PDV	$1.50	Por cada transacción nacional con PIN
Compra con firma en PDV	$1.00	Por cada transacción nacional con firma
Retirada en ventanilla de banco	3% with $5.00 minimum	Por retirada. Cargo mínimo del 3 % o 5,00 $ del importe (lo que sea mayor), más las comisiones del operador bancario, si las hubiera.
Compra con PIN en PDV (rechazada)	$0.75	Por transacción nacional con PIN rechazada
Compra con firma en PDV (rechazada)	$0.75	Por transacción nacional con firma rechazada
Obtener efectivo
Retirada en cajero automático (EE. UU.)	$3.00	Por retirada, más las comisiones del operador del cajero automático tercero, si las hubiera
Retirada en cajero automático (rechazada)	$0.75	Por transacción nacional en cajero automático rechazada
Información
Servicio de atención al cliente (sistema automatizado)	$0.35	3 llamadas gratuitas al mes, cada llamada 0,35 $ a partir de entonces. Consulte las secciones 21. «Obtener Información sobre el Saldo y las Transacciones de su Tarjeta; Alternativa de Extractos Periódicos» y 33. «Entrega de Comunicaciones Electrónicas» del Contrato de Titular de Tarjeta.
Consulta de saldo a través de un agente en línea	$2.00	Por consulta de saldo realizada a través de un representante del servicio de atención al cliente en línea. Consulte las Secciones 21 y 33 del Contrato de Titular de Tarjeta.
Consulta de saldo en cajero automático	$0.75	Por consulta, más las comisiones del operador del cajero automático, si las hubiera
Usar su tarjeta fuera de los EE. UU.
Retirada en cajero automático (internacional)	$4.95	Por retirada, más el recargo por transacción en el extranjero y las comisiones del operador del cajero automático tercero, si las hubiera
Retirada en cajero automático (rechazada) (internacional)	$2.00	Por transacción internacional en cajero automático rechazada
Consulta de saldo en cajero automático (internacional)	$2.00	Por consulta, más las comisiones del operador del cajero automático, si las hubiera
Compra de débito con PIN en PDV (internacional)	$3.50	Por cada transacción internacional con PIN
Compra con firma en PDV (internacional)	$2.95	Por cada transacción internacional con firma
Compra con PIN en PDV (rechazada) (internacional)	$2.00	Por transacción internacional con PIN rechazada
Compra con firma en PDV (rechazada) (internacional)	$2.00	Por transacción internacional con firma rechazada
Otro
Inactividad	$4.95	Mensualmente, tras cada período de 90 días en el que no cargue o descargue fondos en su Cuenta de Tarjeta o utilice su Cuenta de Tarjeta para realizar una compra o una retirada en cajero automático o hasta que se lleve a cabo una nueva actividad.
Cierre de cuenta/devolución de saldo	$10.00	Consulte los términos de la Sección 28. Modificación y Cancelacióncuando sean aplicables y no aplicables en el Contrato de Titular de Tarjeta
Pago de facturas (iniciado por el comerciante)	$2.00	Por cada pago efectuado a un comerciante utilizando su Número de Cuenta
Retirada electrónica	$1.00	Por retirada enviada a una cuenta de terceros
Sustitución de tarjeta	$5.00	Por solicitud de sustitución de tarjeta perdida, robada o dañada
Tarjeta de sustitución urgente	$25.00	Comisión por entrega urgente de tarjeta

Registre su tarjeta para tener derecho al seguro de la FDIC y otras protecciones Sus fondos serán retenidos o transferidos al Patriot Bank, una institución asegurada por la FDIC. Una vez allí, sus fondos están asegurados hasta 250 000 $ por la FDIC en caso de quiebra del Patriot Bank si se cumplen los requisitos específicos del seguro de depósitos y su tarjeta está registrada. Consulte gov/deposit/deposits/prepaid.html para obtener más información.

Sin función de sobregiro/crédito

Contacte con Expanse Financial Technologies, Inc. – Avid Prepaid Visa Card . llamando al 800-221-6192, enviando un correo electrónico a Expanse Financial Technologies, Inc. - Avid Prepaid P.O. Box 307, New Hyde Park, NY 11040, or visit www.avidprepaid.com.

Para obtener información general sobre cuentas prepagadas, visite cfpb.gov/prepaid.
Si tiene una queja sobre una cuenta prepagada, llame a la Oficina de Protección Financiera del Consumidor al 1-855-411-2372 o visite cfpb.gov/complaint.

Patriot Bank

CUSTOMER SERVICE CONTACT INFORMATION:

Address: PO Box 307 New Hyde Park NY 11040
Email Address: customerservice@AvidPrepaid.com
Website: www.AvidPrepaid.com
Phone Number: (800) 221-6192

IMPORTANT NOTICES:

PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION CLAUSE REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION.
ALWAYS KNOW THE EXACT DOLLAR AMOUNT AVAILABLE ON THE CARD. MERCHANTS MAY NOT HAVE ACCESS TO DETERMINE THE CARD BALANCE.
BY ACCEPTING, SIGNING OR USING THIS CARD YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS CONTAINED IN THIS AGREEMENT.
BY USING THIS CARD YOU ARE ALSO AGREEING TO PATRIOT BANK’S PRIVACY POLICY (ATTACHED). PROGRAM MANAGERS MAY HAVE DIFFERENT PRIVACY PRACTICES, SO IT IS IMPORTANT YOU REVIEW THEIR POLICY AS WELL IF APPLICABLE.

This Cardholder Agreement (“Agreement”) sets forth the terms and conditions under which the Avid Prepaid Visa Card Account (“Card””Card Account” or “Account”) has been issued to you by Patriot Bank National Association. "You" and "your" means the person or persons who have received and are authorized to use the Card as provided for in this Agreement. "We", "us", and "our" mean collectively Patriot Bank National Association, a federally-chartered savings bank member FDIC and its divisions or assignees. The Card is nontransferable, and it may be canceled at any time without prior notice, subject to applicable law. Please read this Agreement carefully and keep it for future reference. Your full fee schedule, otherwise known as the “Long Form” is attached to and considered part of this Agreement.

1. About Your Card

Your Card is a reloadable prepaid card which allows you to access funds loaded to your Card account. You should treat your Card with the same care as you would treat cash. We encourage you to sign your Card when you receive it. This Card is intended for personal, family, or household use and not intended for business purposes. Your Card account does not constitute a checking or savings account and is not connected in any way to any other account you may have. The Card is not a gift card nor is it intended to be used for gifting purposes. The Card is not a credit card. You will not receive any interest on the funds in your Card account. We may close your Card account at any time or refuse to process any transaction that we believe may violate the terms of this Agreement or represents illegal or fraudulent activity. You are responsible for notifying us immediately upon any change to your address, phone number, or email address. If your address changes to a non-US address, we may cancel your Card and return funds to you in accordance with this Agreement. The Card will remain the property of the Bank and must be surrendered upon demand. The Card and its associated account is nontransferable and may be canceled, repossessed, or revoked at any time without prior notice. Please read this Agreement carefully and keep it for future reference.

2. Verifying Your Card

Important information for opening a Card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a Card.

What this means for you: When you request a Card, we will ask for your name, street address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other documents at any time. You may be limited in use and features until we have been able to successfully verify your identity.

Eligibility and Activation

To be eligible to use and activate the Card you represent and warrant to us that:

You are at least 18 years of age;
The personal information that you have provided to us is true, correct, and complete;
You have read this Agreement and agree to be bound by and comply with its terms;
You have not been previously prohibited from using services provided by our bank or been barred from receiving similar services under the laws of the United States;
You agree to comply with all federal, state, and local laws and regulations when using the Card.

3. UNAUTHORIZED TRANSACTIONS

Contact in Event of Unauthorized Transfer

If you believe your Card has been lost or stolen, call or write Customer Service IMMEDIATELY at the contact information found at the beginning of this Agreement.

Your Liability for Unauthorized Transactions

Tell us AT ONCE if you believe your Card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Calling Customer Service is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within 2 business days after you learn of the loss or theft of your Card, you can lose no more than $50 if someone used your Card without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.

If your electronic history shows transfers that you did not make, including those made by your Card or other means, tell us at once. If you do not tell us within the earlier of (1) sixty (60) days after the date you electronically access your Account or (2) sixty (60) days after the date we sent the FIRST written history on which the error appeared, you may not get back any value you lost after the sixty (60) or one hundred and twenty (120) day period, if we can prove that we could have stopped someone from taking the value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Your Card may have some additional protections against unauthorized use:

In addition to the limitations on liability described above, you will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or unauthorized use of your Card, Access Code(s), or PIN. We may issue replacement Card(s), Access Code(s), and PIN(s), 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(s) and/or Card Account to prevent future losses. If you share your Card(s), Access Code(s), or 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, Access Code(s), or PIN, you agree that you will be liable for all transactions arising from use of the Card, Access Code(s), or 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. Visa's Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions outside the Visa and PLUS networks, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify us promptly of any unauthorized use.

Business Days

For purposes of this Agreement, our business days are Monday through Friday, excluding Federal holidays. Customer Service hours may differ.

4. USING YOUR CARD

Accessing and Loading Funds

Each time you use your Card, you authorize us to reduce the value available on your Card by the amount of the transaction and applicable fees. If you use your Card number without presenting your Card (such as for an internet transaction, a mail order, or a telephone purchase), the legal effect will be the same as if you used the Card itself. You may use your Card to purchase or lease goods or services wherever your Card is honored, as long as you do not exceed the value available in your Card account.

Your Card can also be used to:

Load funds to your Card account;
Transfer funds between your Card accounts whenever you request;
Purchase goods or services wherever your Card is honored as long as you do not exceed the value available in your Card Account or the Daily Limit (as defined in the table below);
Withdraw cash from your Card Account (as described in the Section below titled “Using Your Card to Get Cash”).

You CANNOT use your Card to:

(i) exchange your Card for its cash value;
(ii) perform any illegal transactions;
(iii) use the bank routing number and account number to make a debit transaction with any item processed as a check (these debits will be declined and your payment will not be processed);
(iv) make business-related transactions.

In addition, YOU ARE NOT PERMITTED 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 in your Card account, you will remain fully liable to us for the amount of the transaction and agree to pay us promptly for the negative balance. If your Card has a negative balance, any deposits will be used to offset the negative balance. We may also use any deposit or balance on another Card you have with us to offset a negative balance on this Card.

Loading the Card account

You may add funds to your Card, called “loading” by:

(i) Automated Clearing House ("ACH") loads (e.g., direct deposit);
(ii) Loading cash at one of our authorized reload locations (a list is available on our website or by calling Customer Service where locations can be found).

See the Limits table below for limitations on amount and frequency for different load methods. Each load may be subject to a fee as set out in the Long Form. If you arrange to have funds transferred directly to your Card from a third party through an ACH load, you must enroll with the third party by providing the bank routing number and direct deposit account number that we provide you. only federal payments that may be loaded to your Card via ACH credit are federal payments for the benefit of the primary cardholder or an authorized beneficiary. If you have questions about this requirement, please call Customer Service.We will reject any loads that exceed the maximum balance allowed on your Card. There are also maximum load restrictions we may place on your Card when aggregated with any other Cards you have. You agree to present your Card and meet identification requirements to complete load transactions as may be required from time to time.

You will be provided with our Bank routing number and assigned a Card Number once your identity has been veriﬁed. Our Bank routing number and your assigned twelve to fourteen digit Account Number are for the purpose of receiving direct deposits to your Card Account and authorized automated clearinghouse (“ACH”) debit transactions only. The 16 digit Card Number embossed or printed on your Card should not be used for these types of transactions as they will be rejected. You are not authorized to use our routing number and Card 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 “List of all Fees (“Long Form”) for Avid Prepaid Visa Card".

Direct Deposit Early Access. How early you receive your payment will depend on your deposit type. The Early Access program from Avid Prepaid allows you to receive your funds when the Government or an employer sends notification that it intends to make a payment to you. For Government payments this varies by month and by government agency, for example SSI and VA Early Access payments are usually made 4 business days early or up to 6 calendar days and SSA payments that are paid on Wednesdays are usually paid on the preceding Friday or 5 calendar days early. All government payments are subject to notification from the Department of Treasury each month and may change any time.

There is an additional charge for the 'Early Access Direct Deposit feature' in the “List of all Fees (“Long Form”) for Avid Prepaid Visa Card attached to this Agreement. You are not required to elect this feature on your deposits and can avoid this fee by informing us of your preference to receive your monthly benefits or other deposits on the original ACH effective date either by calling Customer Service, emailing us at: @AvidPrepaid.com or writing to us. Avid Prepaid nor Patriot Bank can guarantee the early delivery of funds.

Split Transactions: If you do not have enough funds available in your Card account, you may be able to instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with another form of payment. These are called “split transactions.” Some merchants do not allow cardholders to split transactions or will only allow you to do a split transaction if you pay the remaining amount in cash.

Secondary Cards

You may authorize up to four additional Companion Cards. Companion Card cardholders must be 13 years or older and Companion Card accounts will may only be funded by the Primary Card account. Companion Cards are restricted to the following uses:

(i) General purchases

(ii) Transferring funds between to/from Primary Card accounts.

The primary cardholder is responsible for the entire account, including all additional Companion Cards. If you permit an unauthorized person to have access to any Card or Card Number, you are liable for all transactions made with an Card, Card Number, or Account Number, and all related fees incurred by those persons. To cancel a Companion Card, call the toll-free number on the back of your Card or our customer service phone number and you must follow-up no later than 10 business days with the written notification by email at our customer service email address or in writing to our customer service address. to revoke (cancel) permission for any person you previously authorized to have a Companion Card.

Limits

Load Limitations	Primary Card Account Limit	Companion Card Account Limit
Maximum Card balance at any time	$20,000.00	$2,500.00
Direct Deposit	Up to $20,000.00 per day	N/A
Moneygram, Western Union, Visa Readylink Reload Location	Up to $10,000.00 per day	N/A
Card to Card transfer	Up to $1,000.00 per day and $10,000 per month.
Withdrawal Limitations	Limit
ATM Withdrawals	Up to $1,000 per day	N/A
Over the Counter Cash Withdrawals	Up to $1,000 per day	N/A
Combined Withdrawal Daily Limit	Up to $10,000 per day (includes all Over the Counter Cash Withdrawals, ATM Withdrawals, Point of Sale Signature or Point of Sale PIN Transactions)	N/A
Spend Limitations	Limit
Maximum amount in Point of Sale Signature or Point of Sale PIN Transactions	Up to $10,000 per day	Up to $2,500 per day
* Third parties may impose additional limitations.

Foreign Transactions

If you obtain your funds (or make a purchase) in a currency or country other than the currency or country in which your Card was issued ("Foreign Transaction"), the amount deducted from your funds will be converted by the network or card association that processes the transaction into an amount in the currency of your Card. The rate they choose is either:

(i) selected from the range of rates available in wholesale currency markets (which may vary from the rate the association itself receives), or
(ii) the government-mandated rate in effect for the applicable central processing date.

The conversion rate selected by the network is independent of any fee that we charge as compensation for our services. You will be charged a fee for Foreign Transactions in U.S. dollars as disclosed in the Long Form. If the Foreign Transaction results in a credit due to a return, we will not refund any fee that may have been charged on your original purchase.

5. CONFIDENTIALITY

We may disclose information to third parties about your Card account or the transactions you make:

Where it is necessary for completing transactions;
In order to verify the existence and condition of your Card account for a third party, such as a merchant;
In order to comply with government agency or court orders or other legal reporting requirements;
If you give us your written permission;
To our employees, auditors, affiliates, service providers, authorized agents, or attorneys as needed; or
As otherwise necessary to fulfill our obligations under this Agreement or as provided for in our Privacy Policy for Consumers.

6. DOCUMENTATION

Receipts

You may be able to get a receipt at the time you make any transfer to or from your account using an ATM or point-of-sale terminals. You may need a receipt in order to verify a transaction with us or the merchant.

Account History and Balance

You may obtain information about your Card balance by calling Customer Service. This information, along with a 12–month history of account transactions, is also available online at the Website mentioned above. You also have the right to obtain at least 24 months of written history of account transactions by calling or by writing Customer Service. You will not be charged a fee for this information unless you request it more than once per month.

7. TRANSACTIONS AND PREAUTHORIZED TRANSFERS

Preauthorized Transfers

The Issuer’s bank routing number and the 12-digit Direct Deposit account number assigned to your Card Account can be used for preauthorized direct debits from merchants, internet service, or other utility service providers (“Merchants”) and for the purpose of initiating direct deposit to your Card Account. You may also arrange to make recurring payments to Merchants using your 16-digit Card number.

Right to stop payment and procedure for doing so

If you have told us in advance to make regular payments out of your Card account, you can stop any of these payments. Call or write to Customer Service at the contact information located at the beginning of this Agreement in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.

Notice of varying amounts

If these regular payments vary in amount, the person you are paying should tell you at least 10 days before each payment when it will be made and how much it will be.

Liability for failure to stop payment of preauthorized transfer

If you order us to stop one of these payments three business days or more before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.

Our liability for failure to complete transactions

If we do not complete a transaction to or from your Card account on time or in the correct amount according to our Agreement with you, we will be liable for your losses and damages proximately caused by us. However, there are some exceptions. We will not be liable, for instance:

If through no fault of ours, you do not have enough funds available in your Card account to complete the transaction;
If a merchant refuses to accept your Card;
If an ATM where you are making a cash withdrawal does not have enough cash;
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;
If access to your Card has been blocked after you reported your Card or PIN lost or stolen;
If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
If we have reason to believe the requested transaction is unauthorized;
If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction despite reasonable precautions that we have taken; or
For any other exception stated in our Agreement with you.

ATM Fees

When you use an ATM not owned by us, you may be charged a fee by the ATM operator (and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer).

Preauthorized Credits

If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, the person or company making the deposit should tell you every time they send us the money. You can call Customer Service to find out whether or not the deposit has been made.

Authorization Holds

With certain types of purchases (such as those made at restaurants, hotels, or similar purchases), your Card may be “preauthorized” for an amount greater than the transaction amount to cover gratuity or incidental expenses. 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. During this time, you will not have access to preauthorized amounts. 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 service-oriented merchants may choose to factor in additional amounts upon check-in, and it may take up to 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.

8. Error Resolution Procedures

If you think an error has occurred in your prepaid account, call or write to Customer Service at the contact information located at the beginning of this Agreement. We must allow you to report an error until 60 days after the date you electronically access your account. You may request a written history of your transactions at any time by calling or writing Customer Service. You will need to tell us:

Your name and prepaid account or Card number.
Why you believe there is an error and the dollar amount involved.
Approximately when the error took place.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. . If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. 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 Customer Service or visit our Website.

9. ADDITIONAL TERMS OF THE AGREEMENT

Personal Identification Number (“PIN”)

You will not receive a Personalized Identification Number ("PIN"). After you activate your Card and your identity has been verified, you will be prompted to select a PIN through the website or by calling Customer Service. You should not write or keep your PIN with your Card. Never share your PIN with anyone and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should contact Customer Service immediately.

Returns and Refunds

If you are entitled to a refund for any reason for goods or services obtained with your Card, the return and refund will be handled by the merchant. If the merchant credits your Card, the credit may not be immediately available. While merchant refunds post as soon as they are received, please note that we have no control over when a merchant sends a credit transaction, and the refund may not be available for a number of days after the date the refund transaction occurs. We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card.

Card Replacement and Expiration

If you need to replace your Card for any reason, please contact Customer Service. See the Long Form for applicable fees. Please note that your Card has a “Valid Thru” date on the front of the Card. You may not use the Card after the “Valid Thru” date on the front of your Card. However, even if the “Valid Thru” date has passed, the available funds on your Card do not expire. You will not be charged a fee for replacement cards that we send due to expiration of the Card.

Authorized Users

If you allow another person to use the Card, you will be responsible under this Agreement for all transactions made by that person, regardless of whether you intended to be responsible for all of them, as well as all associated fees and charges, even if any of those transactions, fees, or charges caused your balance to go negative.

Communications

You agree that we may monitor and record any calls or other communications between us and you. You also agree that we or our service providers may contact you with any contact information you provide to us, including cellular and wireless phone numbers, landline numbers, and email addresses. You also agree that we or our service providers may contact you by using an automated dialing or email system, by text, or artificial or recorded voice. You agree to pay any service charges assessed by your plan provider for communications we send or make to you or that you send or make to us.

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.

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 website that we will designate in an email notice we send to you at the time the information is available, or (2) by posting such Communications at www.AvidPrepaid.com.

How to Withdraw Consent

You may withdraw your consent to receive Communications in electronic form at any time by calling Customer Service, by visiting our website, or by writing to us. If you do withdraw your consent, we will close your Card Account except where prohibited by law. 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 your true, accurate, and complete email address, 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 email address) through our website or by calling Customer Service.

Hardware and Software Requirements

In order to access, view, and retain Communications that we make available to you electronically, you must have:

An Internet browser that supports 128-bit encryption
Microsoft Internet Explorer 6.0 or above or the equivalent software
Sufficient electronic storage capacity on your computer's hard drive or other data storage unit
An email account with an Internet service provider and email software
A personal computer operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing Communications received from us via a plain text-formatted email or by access to our website using a supported browser
Adobe Reader version 9.0 or higher

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, call Customer Service , visit our website or write to us.

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.

10. LEGAL NOTICES

English Language Controls

Translations of this Agreement that may have been provided are for your convenience only and may not accurately reflect the original English meaning. The meanings of terms, conditions, and representations herein are subject to definitions and interpretations in the English language.

Account Closure

You may close your Card at any time by contacting Customer Service. Your request for Card closure will not affect any of our rights or your obligations arising under this Agreement prior to the request. Should your Card account be closed, we will issue you a credit for any unpaid balances, subject to fees as disclosed in the Long Form. We reserve the right to close your Card account without notice for any reason.

Assignability

You may not assign or transfer your Card or your obligations under this Agreement. We may, however, transfer or assign our rights under this Agreement, including any balances in your Card account. If we assign our rights, you will get a notification from us.

Legal Process

Regardless of where or how we are served, we will comply with any state or federal legal process, including without limitation any writ of attachment, adverse claim, execution, garnishment, tax levy, restraining order, subpoena, or warrant we believe to be valid relating to you or your Card. You agree that we will honor legal process that is served personally, by mail, or by facsimile transmission at any of our offices (including locations other than where the funds, records, or property sought is held), even if the law requires personal delivery at the office where your Card account records are maintained. You agree that we will have no liability to you for honoring any such legal process. You also agree that we will have no obligation to assert on your behalf any applicable exemptions to execution or attachment under any applicable state or federal law. We will enforce a right of security interest against any of your Card accounts in order to reimburse us for our fees and expenses, including attorneys’ fees, court costs, and expenses in complying with legal process. We may refuse to permit withdrawals or transfers from your account until such legal process is satisfied or dismissed, even if such action results in insufficient funds to satisfy an obligation you may have incurred. We may deduct such expenses from your Card account or any other account you may have with us without prior notice to you, or we may bill you directly for such expenses and fees. You agree to release, indemnify, defend, and hold us harmless from all actions, claims, liabilities, losses, costs, and damages, including without limitation attorneys’ fees associated with our compliance with any legal process. When we receive an order instructing us to restrict access to funds in a Card account, we may remove the funds from the account and maintain them separately.

Unclaimed Property

If your account becomes inactive (e.g., if you do not use the funds in your account or access your account for a certain period of time), applicable law may require us to report the funds in your account as unclaimed property. If this occurs, we may try to locate you at the address shown in our records. If we are unable to locate you, we may be required to deliver any funds in your account to the applicable state as unclaimed property. The specified period of time to report and send funds in an inactive account to a state varies by state but usually ranges between two and five years.

Severability

This Agreement will be enforced to the fullest extent permitted under applicable law. If any provision of the Agreement is found to be invalid or unenforceable by a court of competent jurisdiction, the provision will be modified by the court and interpreted so as best to accomplish the objectives of the original provision to the fullest extent permitted by law, and the remaining provisions of the Agreement will remain in effect. Neither the Issuer nor Visa waives its rights by delaying or failing to exercise them at any time.

Limitation of Liability

EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN THIS AGREEMENT OR AS OTHERWISE REQUIRED BY APPLICABLE LAW, NEITHER WE NOR THE PARTIES WITH WHOM WE CONTRACT TO OFFER THE CARDS, YOUR ACCOUNT, AND RELATED SERVICES, AND ANY PARENTS, SUBSIDIARIES, AND OTHER AFFILIATES OF ANY OF THE FOREGOING (THE “LIMITED PARTIES”), AND ALL LIMITED PARTIES’ EMPLOYEES, CONTRACTORS, OFFICERS, AND DIRECTORS ARE RESPONSIBLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING IN ANY WAY TO THE CARDS, THE SERVICES, ANY PRODUCTS OR SERVICES PURCHASED USING A CARD, OR THIS AGREEMENT (AS WELL AS ANY RELATED OR PRIOR AGREEMENT THAT YOU MAY HAVE HAD WITH US).

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL LIABILITY OF THE LIMITED PARTIES IS LIMITED TO THE GREATER OF (A) THE AMOUNT OF FEES EARNED BY US IN CONNECTION WITH YOUR USE OF THE SERVICES DURING THE ONE (1) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM FOR LIABILITY, OR (B) $10.

Other Notices

You agree that we may modify this Agreement or any other terms, policies, or guidelines at any time in our sole discretion, except as otherwise required by applicable law. Any new agreement will be effective immediately by posting a new agreement and updating the “Last Updated” date at the top of these terms, except as otherwise required by law. Changes made for security purposes may be implemented without prior notice. You agree that even if you have not personally visited the website with the new terms of this Agreement, the new version of the Agreement will have full force immediately. To the extent permitted by applicable law, you agree to waive any right you may have to receive additional notice of such changes. Your continued use of the Services following the posting of changes or modifications will confirm your acceptance of such changes or modifications.

You should frequently review these terms and all applicable terms, policies, and guidelines to understand the terms and conditions that apply to your use. You will be notified of any change to this Agreement in the manner required by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice.

We do not waive our rights by delaying or failing to exercise them at any time (for example, assessing a fee less than described or not all for any reason does not waive our right to begin charging the fee as set forth in this Agreement without notice). If any provision of this Agreement is determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement will not be affected.

This Agreement will be governed by the law of the state of Connecticut, except to the extent governed by federal law. Should your Card have a remaining balance after a certain period of inactivity, we may be required to remit the remaining funds to the appropriate state agency. This Agreement comprises the entire agreement between you and us with respect to the above subject matter and supersedes and merges all prior proposals, understandings, and contemporaneous communications. The provisions related to indemnification, limitation of liability, arbitration, and any other provisions necessary to give effect to a party’s rights shall survive the termination of the Agreement, the bankruptcy of any party, any transfer, sale, or assignment of the Card, or expiration of the Card.

11. JURY TRIAL WAIVER

You and we acknowledge that the right to trial by jury is a constitutional right, but may be waived in certain circumstances. To the extent permitted by law, you and we knowingly and voluntarily waive any right to trial by jury in the event of litigation arising out of or related to this Agreement. This jury trial waiver will not affect or be interpreted as modifying in any fashion the arbitration clause set forth in the following section, which contains its own jury trial waiver.

12. ARBITRATION CLAUSE

We have put this Arbitration Clause in question and answer form to make it easier to follow. However, this Arbitration Clause is part of this Agreement and is legally binding. For purposes of this section, our “Notice Address” is: Patriot Bank N.A. Attn: Customer Service 900 Bedford St Stamford CT 06901.

Question	Short Answer	Further Detail
What is arbitration?	An alternative to court	In arbitration, a third-party arbitrator (“Arbitrator”) solves Disputes in an informal hearing.
Is it different from court and jury trials?	Yes	The hearing is private. There is no jury. It is usually less formal, faster, and less expensive than a lawsuit. Pre-hearing fact finding is limited. Appeals are limited. Courts rarely overturn arbitration awards.
Can you opt-out of this Arbitration Clause?	Yes, within 60 days	If you do not want this Arbitration Clause to apply, you must send us a signed notice within 60 calendar days after you purchase the Card. You must send the notice in writing (and not electronically) to our Notice Address. Provide your name, address, and Card number. State that you “opt out” of the Arbitration Clause.
What is this Arbitration Clause about?	The parties' agreement to arbitrate Disputes	Unless prohibited by applicable law and unless you opt out, you and we agree that you or we may elect to arbitrate or require arbitration of any "Dispute" as defined below.
Who does the Arbitration Clause cover?	You, us, and certain "Related Parties"	This Arbitration Clause governs you and us. It also covers certain "Related Parties": (1) our parents, subsidiaries, and affiliates; (2) our employees, directors, officers, shareholders, members, and representatives; and (3) any person or company that is involved in a Dispute you pursue at the same time you pursue a related Dispute with us.
What Disputes does the Arbitration Clause cover?	All Disputes (except certain Disputes about this Arbitration Clause)	This Arbitration Clause governs all “Disputes” that would usually be decided in court and are between us (or any Related Party) and you. In this Arbitration Clause, the word “Disputes” has the broadest reasonable meaning. It includes all claims even indirectly related to your Card or this Agreement. It includes claims related to the validity in general of this Agreement. However, it does not include disputes about the validity, coverage, or scope of this Arbitration Clause or any part of this Arbitration Clause. (This includes a Dispute about the rule against class arbitration.) All such disputes are for a court and not an Arbitrator to decide.
Who handles the arbitration?	Usually AAA or JAMS	Arbitrations are conducted under this Arbitration Clause and the rules of the arbitration administrator in effect when the arbitration is started. However, arbitration rules that conflict with this Arbitration Clause do not apply. The arbitration administrator will be either: The American Arbitration Association ("AAA") 1633 Broadway 10th Floor New York NY 10019 www.adr.org. JAMS 620 Eighth Avenue 34th Floor New York NY 10018 www.jamsadr.com Any other company picked by agreement of the parties. If all the above options are unavailable, a court will pick the administrator. No arbitration may be administered without our consent by any administrator that would permit a class arbitration under this Arbitration Clause. The arbitrator will be selected under the administrator's rules. However, the arbitrator must be a lawyer with at least ten years of experience or a retired judge unless you and we otherwise agree.
Can Disputes be litigated?	Sometimes	Either party may bring a lawsuit if the other party does not demand arbitration. We will not demand arbitration of any lawsuit you bring as an individual action in small-claims court. However, we may demand arbitration of any appeal of a small-claims decision or any small-claims action brought on a class basis.
Are you giving up any rights?	Yes	For Disputes subject to this Arbitration Clause, you give up your right to: Have juries decide Disputes. Have courts other than small-claims courts decide Disputes. Serve as a private attorney general or in a representative capacity. Join a Dispute you have with a dispute by other consumers. Bring or be a class member in a class action or class arbitration. We also give up the right to a jury trial and to have courts decide Disputes you wish to arbitrate.
Can you or another consumer start a class arbitration?	No	The Arbitrator is not allowed to handle any Dispute on a class or representative basis. All Disputes subject to this Arbitration Clause must be decided in an individual arbitration or an individual small-claims action. This Arbitration Clause will be void if a court rules that the Arbitrator can decide a Dispute on a class basis and the court's ruling is not reversed on appeal.
What law applies?	The Federal Arbitration Act (“FAA”)	This Agreement and the Cards involve interstate commerce. Thus, the FAA governs this Arbitration Clause. The Arbitrator must apply substantive law consistent with the FAA. The Arbitrator must honor statutes of limitation and privilege rights. Punitive damages are governed by the constitutional standards that apply in judicial proceedings.
Will anything I do make this Arbitration Clause ineffective?	No	This Arbitration Clause stays in force even if: (1) you or we end this Agreement; or (2) we transfer or assign our rights under this Agreement.
Process
What must a party do before starting a lawsuit or arbitration?	Send a written Dispute notice and work to resolve the Dispute.	Before starting a lawsuit or arbitration, the complaining party must give the other party written notice of the Dispute. The notice must explain in reasonable detail the nature of the Dispute and any supporting facts. If you are the complaining party, you must send the notice in writing (and not electronically) to our Notice Address. You or an attorney you have personally hired must sign the notice and must provide the Card number and a phone number where you (or your attorney) can be reached. A letter from us to you will serve as our written notice of a Dispute. Once a Dispute notice is sent, the complaining party must give the other party a reasonable opportunity over the next 30 days to resolve the Dispute on an individual basis.
How does an arbitration start?	Mailing a notice.	If the parties do not reach an agreement to resolve the Dispute within 30 days after notice of the Dispute is received, the complaining party may commence a lawsuit or an arbitration subject to the terms of this Arbitration Clause. To start an arbitration, the complaining party picks the administrator and follows the administrator's rules. If one party begins or threatens a lawsuit, the other party can demand arbitration. This demand can be made in court papers. It can be made if a party begins a lawsuit on an individual basis and then tries to pursue a class action. Once an arbitration demand is made, no lawsuit can be brought, and any existing lawsuit must stop.
Will any hearing be held nearby?	Yes.	The Arbitrator may decide that an in-person hearing is unnecessary and that he or she can resolve a Dispute based on written filings and/or a conference call. However, any in-person arbitration hearing must be held at a place reasonably convenient to you.
What about appeals?	Very limited.	Appeal rights under the FAA are very limited. The Arbitrator’s award will be final and binding. Any appropriate court may enter judgment upon the arbitrator's award.
Arbitration Fees and Awards
Who bears arbitration fees?	Usually we do.	We will pay all filing, administrative, hearing, and Arbitrator fees if you act in good faith, cannot get a waiver of such fees, and ask us to pay.
When will we cover your legal fees and costs?	If you win.	If you win an arbitration, we will pay the reasonable fees and costs for your attorneys, experts, and witnesses. We will also pay these amounts if required under applicable law or the administrator's rules or if payment is required to enforce this Arbitration Clause. The Arbitrator shall not limit his or her award of these amounts because your Dispute is for a small amount.
Will you ever owe us for arbitration or attorneys' fees?	Only for bad faith.	The Arbitrator can require you to pay our fees if (and only if): (1) the Arbitrator finds that you have acted in bad faith (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)); and (2) this power does not make this Arbitration Clause invalid.
Can an award be explained?	Yes.	A party may request details from the Arbitrator within 14 days of the ruling. Upon such request, the Arbitrator will explain the ruling in writing.

Prepaid card is issued by Patriot Bank National Association, Member FDIC, pursuant to a license by Visa USA, Inc.

Privacy Policy for Consumers

Facts	WHAT DOES PATRIOT BANK, N.A. DO WITH YOUR INFORMATION
Why	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security Number and income Transaction history and account balances Transaction or loss history and payment history When you are no longer our customer, we continue to share your information as described in this notice.
How	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons PATRIOT BANK, N.A. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Patriot Bank N.A. share?	Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes — to offer our products and services to you	No	We don’t share
For joint marketing with other financial companies	No	We don’t share
For our affiliates’ everyday business purposes — information about transactions and experiences.	No	We don’t share
For our affiliates’ everyday business purposes — information about your creditworthiness	No	We don’t share
For our affiliates to market to you	No	We don’t share
For nonaffiliates to market to you	No	We don’t share

Who we are
Who is providing this notice?	PATRIOT BANK, N.A.
What we do
How does PATRIOT BANK, N.A. protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured fles and buildings.
How does PATRIOT BANK, N.A. collect my personal information?	We collect your personal information, for example, when you Open an account or apply for a loan Deposit money or use your credit or debit card Pay your bills We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only Sharing for affiliates’ everyday business purposes— information about your creditworthiness Affiliates from using your information to market to you Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. PATRIOT BANK, N.A. does not share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies PATRIOT BANK, N.A. does not share with our nonaffiliates so they can market to you
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. PATRIOT BANK, N.A. doesn’t jointly market.

List of all Fees (“Long Form”) for Avid GO! Prepaid Visa Card

All Fees	Amount	Details
Get Started
Card activation fee	$4.95	A one-time new card fee for the Primary Card
Monthly Fee
Monthly fee	$0.00
Value load	$2.00	Per transaction. 3rd Party Load Networks charge additional fees. Please consult 3rd Party Load Network for a schedule of their fees and charges (Western Union, MoneyGram, and Visa Readylink).
Cash Reload	Up to $5.95	Per load. This is not our fee. Fees of up to $5.95 may apply when reloading your card at reload agents. Locations may be found at visit www.AvidPrepaid.com.
Early Access for Direct Deposit (Government Deposit/Non-Government Deposit)	$3.00/$2.00	Per deposit. This service requires you to opt in. You may opt in for this feature so you can receive your direct deposits prior to the effective date. You may opt out of this service at any time and receive your direct deposit on the original effective date either by calling us at (800) 221-6192 or (801) 893-7716 or by email at: customerservice@avidprepaid.com or in writing to Expanse Financial Technologies Inc – Avid Prepaid P.O. Box 307 New Hyde Park NY 11040.
Card to Card Transfer (Primary Account)	$2.00	There is a fee for a Card-to-Card Transfer from your Primary Card Account to another Primary Card Account via the web, mobile app, or customer service.
Companion transfers	$0.00	Per transaction no cost to transfer funds to/from companion accounts.
Spend Money
PIN Transaction Fee (Domestic)	$1.50	Per any domestic PIN based transaction.
Transaction Fee (Domestic)	$1.00	Per any domestic Signature based transaction.
PIN Transaction Decline Fee (Domestic)	$0.75	Per declined domestic PIN based transaction.
Signature Transaction Decline Fee (Domestic)	$0.75	Per declined domestic Signature based transaction.
Get Cash
ATM withdrawal	$3.00	This is our fee. You may also be charged a fee by the ATM operator even if you do not complete a transaction.
ATM balance inquiry (declined)	$0.75	This is our fee. You may also be charged a fee by the ATM operator even if you do not complete a transaction.
Over the counter (Bank Teller) withdrawal	3% with $5.00 minimum	Per withdrawal. 3% or $5.00 minimum charge of the amount whichever is greater plus bank operator fees if any.
Using the card outside the U.S.
ATM withdrawal (int’l)	$4.95	Per withdrawal, plus the foreign transaction surcharge and third-party ATM operator fees, if any
ATM withdrawal (declined) (int’l)	$2.00	Per declined international ATM transaction
ATM balance inquiry (int’l)	$2.00	Per inquiry, plus third-party ATM operator fees, if any
PIN Transaction (int’l)	$3.50	Per any international Pin based transaction
Signature purchase (int’l)	$2.95	Per any international Signature based transaction
PIN purchase (declined) (int’l)	$2.00	Per declined international PIN based transaction
Signature purchase (declined) (int’l)	$2.00	Per declined international Signature based transaction
Information
Customer service (automated system)	$0.35	10 free calls per month for calling our automated customer service line, including for balance inquiries, $0.35 per call thereafter. Refer to Sections 8b. “Account History and Balance” and 12. “Delivery of Electronic Communications” of the Cardholder Agreement.
Balance inquiry via Live Agent	$2.00	Per balance inquiry conducted through a live customer service representative.
ATM balance inquiry	$0.75	Per inquiry, plus third-party ATM operator fees, if any
ATM balance inquiry (declined)	$0.75	Per declined inquiry, plus third-party ATM operator fees, if any
Other
Inactivity	$5.95	Monthly after each 90-day period in which you do not load or unload funds to your Card Account or use your Card Account to make a purchase or an ATM withdrawal or until new activity is conducted.
Bill payments (merchant initiated	$2.00	Per payment made to a merchant using your Account Number.
Card Replacement	$5.00	Per card. 7-10 Business days.
Electronic Withdrawal	$1.00	Per withdrawal sent to a 3rd Party account
Account Closure/Balance Refund	$10.00	See Section 28. “Amendment and Cancellation” terms when applicable and not applicable in the Cardholder Agreement.
Expedited replacement card	$25.00	Fee for expedited card delivery.

Your funds are eligible for FDIC insurance. Your funds will be held at or transferred to Patriot Bank, N.A., an FDIC - insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Patriot Bank fails, if specific deposit insurance requirements are met. See fdic.gov/deposit/deposits/prepaid.html for details.

No overdraft/credit feature.Contact Customer Service by calling (800) 221-6192, by mail at PO Box 307, New Hyde Park, NY 11040 or visit www.Avid Prepaid.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

List of all Fees (“Long Form”) for Avid Select Prepaid Visa Card

All Fees	Amount	Details
Get Started
Card activation fee	$4.95	A one-time new card fee for the Primary Card
Monthly Fee
Monthly fee	$5.95
Value load	$2.00	Per transaction. 3rd Party Load Networks charge additional fees. Please consult 3rd Party Load Network for a schedule of their fees and charges (Western Union, MoneyGram, and Visa Readylink).
Cash Reload	Up to $5.95	Per load. This is not our fee. Fees of up to $5.95 may apply when reloading your card at reload agents. Locations may be found at visit www.AvidPrepaid.com.
Early Access for Direct Deposit (Government Deposit/Non-Government Deposit)	$3.00/$2.00	Per deposit. This service requires you to opt in. You may opt in for this feature so you can receive your direct deposits prior to the effective date. You may opt out of this service at any time and receive your direct deposit on the original effective date either by calling us at (800) 221-6192 or (801) 893-7716 or by email at: customerservice@avidprepaid.com or in writing to Expanse Financial Technologies Inc – Avid Prepaid P.O. Box 307 New Hyde Park NY 11040.
Card to Card Transfer (Primary Account)	$2.00	There is a fee for a Card-to-Card Transfer from your Primary Card Account to another Primary Card Account via the web, mobile app, or customer service.
Companion transfers	$0.00	Per transaction no cost to transfer funds to/from companion accounts.
Spend Money
PIN Transaction Fee (Domestic)	$0.00	Per any domestic PIN based transaction.
Transaction Fee (Domestic)	$0.00	Per any domestic Signature based transaction.
PIN Transaction Decline Fee (Domestic)	$0.75	Per declined domestic PIN based transaction.
Signature Transaction Decline Fee (Domestic)	$0.75	Per declined domestic Signature based transaction.
Get Cash
ATM withdrawal	$3.00	This is our fee. You may also be charged a fee by the ATM operator even if you do not complete a transaction.
ATM balance inquiry (declined)	$0.75	This is our fee. You may also be charged a fee by the ATM operator even if you do not complete a transaction.
Over the counter (Bank Teller) withdrawal	3% with $5.00 minimum	Per withdrawal. 3% or $5.00 minimum charge of the amount whichever is greater plus bank operator fees if any.
Using the card outside the U.S.
ATM withdrawal (int’l)	$4.95	Per withdrawal, plus the foreign transaction surcharge and third-party ATM operator fees, if any
ATM withdrawal (declined) (int’l)	$2.00	Per declined international ATM transaction
ATM balance inquiry (int’l)	$2.00	Per inquiry, plus third-party ATM operator fees, if any
PIN Transaction (int’l)	$3.50	Per any international Pin based transaction
Signature purchase (int’l)	$2.95	Per any international Signature based transaction
PIN purchase (declined) (int’l)	$2.00	Per declined international PIN based transaction
Signature purchase (declined) (int’l)	$2.00	Per declined international Signature based transaction
Information
Customer service (automated system)	$0.35	10 free calls per month for calling our automated customer service line, including for balance inquiries, $0.35 per call thereafter. Refer to Sections 8b. “Account History and Balance” and 12. “Delivery of Electronic Communications” of the Cardholder Agreement.
Balance inquiry via Live Agent	$2.00	Per balance inquiry conducted through a live customer service representative.
ATM balance inquiry	$0.75	Per inquiry, plus third-party ATM operator fees, if any
ATM balance inquiry (declined)	$0.75	Per declined inquiry, plus third-party ATM operator fees, if any
Other
Inactivity	$5.95	Monthly after each 90-day period in which you do not load or unload funds to your Card Account or use your Card Account to make a purchase or an ATM withdrawal or until new activity is conducted.
Bill payments (merchant initiated	$2.00	Per payment made to a merchant using your Account Number.
Card Replacement	$5.00	Per card. 7-10 Business days.
Electronic Withdrawal	$1.00	Per withdrawal sent to a 3rd Party account
Account Closure/Balance Refund	$10.00	See Section 28. “Amendment and Cancellation” terms when applicable and not applicable in the Cardholder Agreement.
Expedited replacement card	$25.00	Fee for expedited card delivery.

	Avid GO!	Avid Select
Plan fee	$0	$5.95 per mo.
Per purchase	$1.50*	$0
ATM withdrawal	$3.00	$3.00
Cash Reload	$2.00	$2.00
ATM balance inquiry	$0.75	$0.75
Live customer service (per call)	$0	$0
Inactivity (after 90 days w/ no trans.)	$4.95 per mo.	$4.95 per mo.

**We charge 6 other types of fees.** Here are 2 of them:
Early Access	$3.00	$3.00
Decline Fee	$0.75	$0.75

* This fee can be lower depending on how and where this card is used.

No overdraft/credit feature.
Your funds are eligible for FDIC insurance and other protections.

	Avid GO!	Avid Select
Plan fee	$0	$5.95 per mo.
Per purchase	$1.50*	$0
ATM withdrawal	$3.00	$3.00
Cash Reload	$2.00	$2.00
ATM balance inquiry	$0.75	$0.75
Live customer service (per call)	$0	$0
Inactivity (after 90 days w/ no trans.)	$4.95 per mo.	$4.95 per mo.

**We charge 6 other types of fees.** Here are 2 of them:
Early Access	$3.00	$3.00
Decline Fee	$0.75	$0.75

* This fee can be lower depending on how and where this card is used.

No overdraft/credit feature.
Your funds are eligible for FDIC insurance and other protections.

Disclosure:
BY USING THIS CARD YOU AGREE TO THE TERMS AND CONDITIONS OF THE CARDHOLDER AGREEMENT AND FEE SCHEDULE, IF ANY. This Card is issued by Patriot Bank N.A. (Member FDIC) pursuant to a license from Visa U.S.A. Inc. "Patriot Bank" are registered trademarks of Patriot Bank ©2014. Avid Prepaid and Expanse Financial Technologies, Inc. is a financial technology company, not a bank. Banking services provided by Patriot Bank, Member FDIC.

¹ Your funds will be held at or transferred to Patriot Bank, an FDIC-insured institution. While there, your funds are insured up to $250,000 by the FDIC in the event Patriot Bank fails if specific deposit insurance requirements are met and your card is registered. See fdic.gov/deposit/deposits/prepaid.html for details. FDIC insurance does not protect your funds in the event of Avid Prepaid's failure or from the risk of theft or fraud.

Notice of Patriot Act:
Important information for opening a card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify and record information that identifies each person who opens a card account. What this means for you: When you open a card account, we will ask for your name, address, date of birth, social security number, and other information that will allow us to identify you. We may also request a copy of your driver's license or other documentation bearing your photo as verification of your identity.

PLEASE NOTE:
How early you receive your payment will depend on your benefit type. The Early Access program from Avid Prepaid allows you to receive your funds when the Government sends notification that it intends to make a payment to you. This varies by month and by government agency, for example SSI and VA Early Access payments are usually made 6 days early and SSA payments that are paid on Wednesdays are usually paid on the preceding Friday or 5 days early. All payments are subject to notification from the Department of Treasury each month and may change any time. Please review the Avid Prepaid Cardholder Agreement for terms and conditions.
There is an additional charge for the 'Early Access Benefits Direct Deposit feature'. Refer to the Cardholder Agreement's Schedule of Fees and Charges. You are not required to elect this feature on your deposits and can avoid this fee by informing us of your preference to receive your monthly benefits on the original effective date either by calling us at (801) 893-7716 or
(800) 221-6192 or by email at: contactus@avidprepaid.com or in writing to: Avid Prepaid, PO Box 307, New Hyde Park, NY 11040. Avid Prepaid and Expanse Financial Technologies, Inc. cannot guarantee the early delivery of funds.

*Create up to four companion accounts with no charge. Usage and other fees may apply