CARDHOLDER AGREEMENT
IMPORTANT – PLEASE READ CAREFULLY
Terms and Conditions/Definitions for the Visa
®
Reward Card
This Cardholder Agreement (“Agreement”) outlines the terms and conditions under which the Visa Reward
Card has been issued to you by The Bancorp Bank, Wilmington, Delaware ( the “The Bancorp Bank” or
“Issuer”). The Issuer is an FDIC insured member institution. “Card” means the Visa Reward Card issued to
you by The Bancorp Bank. By accepting and using the Card, you agree to be bound by the terms and
conditions contained in this Agreement. “Card Account” means the records we maintain to account for the
value of claims associated with the Card. “You” and “your” mean the person or persons who have received
the Card and are authorized to use the Card as provided for in this Agreement. “We,” “us,” and “our” mean
the Issuer, our successors, affiliates or assignees. Brightwell Payments, Inc. is the entity managing the Card
program (“Program Manager”). You acknowledge and agree that the value available in the Card Account is
limited to the funds that have been loaded to the Card Account on your behalf. You agree to sign the back
of the Card immediately upon receipt. The expiration date of the Card is identified on the front of the Card.
The Card is a prepaid card. The Card is not a gift card or a gift certificate. You have received this Card as a
gratuity without the payment of any monetary value or consideration. Your failure to activate and use the
Card results in the loss of all right, title and interest in the Card and the underlying funds. The Card is not
connected in any way to any other account. The Card is not a credit card. The Card is not for resale. You
will not receive any interest on the funds in the Card Account. The Card will remain the property of the
Issuer 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. The Card is not designed
for business use, and we may close the Card if we determine that it is being used for business purposes.
We may refuse to process any transaction that we believe may violate the terms of this Agreement.
Our business days are Monday through Friday, excluding federal holidays, even if we are open. Any
references to “days” found in this Agreement are calendar days unless indicated otherwise.
Write down the Card number and the customer service phone number provided in this Agreement on a
separate piece of paper in case the Card is lost, stolen, or destroyed. Keep the paper in a safe place.
Please read this Agreement carefully and keep it for future reference.
Activate The Card
You must activate the Card before it can be used. You may activate the Card by calling 1-800-382-6870 or
online at www.prepaidcardholder.com. You will need to provide personal information in order to verify your
identity.
Personal Identification Number
You will not receive a Personal Identification Number (“PIN”) with the Card. However, you will be prompted
to select a PIN when you activate the Card. See the activation instructions in the “Activate The Card”
section. You should not write or keep the PIN with the Card. Never share the PIN with anyone. When
entering the PIN, be sure it cannot be observed by others and do not enter the PIN into any terminal that
appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to the
PIN, you should advise us immediately following the procedures in the paragraph labeled “Your Liability for
Unauthorized Transfers.”
Authorized Card Users
You are responsible for all authorized transactions initiated and fees incurred by use of the Card. If you
permit another person to have access to the Card or Card number, we will treat this as if you have
authorized such use and you will be liable for all transactions and fees incurred by those persons. You are
wholly responsible for the use of each Card according to the terms and conditions of this Agreement.
Secondary Cardholder
You may not request an additional Card for another person.
Your Representations and Warranties
By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to
us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older);
(ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States (“U.S”) or the
District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the
personal information that you provide to us in connection with the Card is true, correct and complete; (v) you
received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you
accept the Card.
Cash Access
With the PIN, you may use the Card to obtain cash from any Automated Teller Machine (“ATM”) or any
Point-of-Sale (“POS”) device, as permissible by a merchant, that bears the Visa
®
, Plus
®
, Interlink
®
or STAR
®
Acceptance Mark. All ATM transactions are treated as cash withdrawal transactions. You may use the
Card at an ATM and withdraw funds from a participating bank (over the counter cash advance). Any funds
withdrawn from a POS device will be subject to the maximum amount that can be spent on the Card per
calendar day.
The maximum value of the Card is restricted to $10,000.00. These are the limits associated with
withdrawing cash from the Card:
Transaction Type
Frequency and/or Dollar Limits*
Cash Withdrawal (ATM)
5 times per calendar day, $1,010.00 per
transaction, up to $1,010.00 per calendar day
Cash Withdrawal (OVER THE COUNTER CASH
ADVANCE)
1 time per calendar day up to $500.00 per
calendar day
Cash back at POS
1 time per calendar day up to $200.00 per
calendar day
*ATM and POS device owner-operators and participating banks may impose their own lower limits on cash
withdrawals.
Loading The Card
You may not load funds to the Card. Only the Program Manager may load additional funds to the Card.
You will have access to the funds within two (2) hours of the receipt of funds from the Program Manager.
Personal checks, cashier’s checks, and money orders sent to the Issuer are not an acceptable form of
loading. All checks and money orders sent to the Issuer for Card loading will be returned unless the full
amount may be applied towards a negative balance, in which case the check or money order may or may
not be loaded to the Card at the discretion of the Issuer.
Preauthorized Transfers
The Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other
utility service providers (“Merchants”). If presented for payment, preauthorized direct debits will be declined
and payment to the Merchant or provider will not be made. You are not authorized to provide the
combination of the Issuer’s bank routing number and the Card Account number to anyone.
Using The Card/Features
The maximum value of the Card is restricted to $10,000.00. These are the maximum amounts that can be
spent on the Card:
Transaction Type
Frequency and/or Dollar Limits
Card Purchases (Signature)
10 times per calendar day, $2,500.00 per
transaction, up to $2,500.00 per calendar day
Card Purchases (PIN)
10 times per calendar day, $2,500.00 per
transaction, up to $2,500.00 per calendar day
You may use the Card to purchase or lease goods or services everywhere Visa, Plus, Interlink or STAR are
accepted as long as you do not exceed the available value of the Card Account and other restrictions (see
examples described below) do not apply. Some merchants do not allow cardholders to conduct split
transactions where you use the Card as partial payment for goods and services and pay the remainder of
the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by
the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card
Account to the Card. You must then arrange to pay the difference using another payment method. Some
merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that
you would like to complete a split transaction prior to swiping the Card, the Card is likely to be declined.
If you use the Card at an automated fuel dispenser (“pay at the pump”), the transaction may be
preauthorized for an amount up to $100.00 or more. If the Card is declined, even though there are
sufficient funds available, you should pay for your purchase inside with the cashier. If you use the
Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may
be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient
funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold”
on those available funds until the merchant sends us the final payment amount of your purchase.
Once the final payment amount is received, the preauthorized amount on hold will be removed. It
may take up to seven (7) days for the hold to be removed. During the hold period, you will not have
access to the preauthorized amount.
You do not have the right to stop payment on any purchase or payment transaction originated by use of the
Card. If you authorize a transaction and then fail to make the purchase of that item as planned, the approval
may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals
may result in a hold for that amount of funds for up to sixty (60) days.
If you use the Card number without presenting the Card (such as for a mail order, telephone, or Internet
purchase), the legal effect will be the same as if you had used the Card itself. Card Account restrictions
include but are not limited to: restricted geographic or merchant locations where there is a higher risk of
fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to
prevent fraud and other losses. For security reasons, we may, with or without prior notice, limit the type,
amount, or number of transactions you can make on the Card. You may not use the Card for illegal online
gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the
restrictions or add new ones at any time. The Card cannot be redeemed for cash.
Each time you use the Card, you authorize us to reduce the available value of the Card Account by the
amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in
the Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction
exceeds the available balance of funds on the Card, you shall remain fully liable to us for the amount of the
transaction and any fees, if applicable.
Non-Visa Debit Transactions
New procedures are in effect that may impact you when you use the Card at certain merchant locations. In
the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if
you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a STAR
transaction.
Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit
transaction if they support the option. Please be advised that should you choose to use the STAR network
when making a transaction without a PIN, different terms may apply. Certain protections and rights
applicable only to Visa debit transactions as described in this Agreement will not apply to transactions
processed on the STAR network. Please refer to the paragraph labeled “Your Liability for Unauthorized
Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit
transactions.
To initiate a Visa debit transaction at the POS, swipe the Card through a POS terminal, sign the receipt, or
provide the 16-digit Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa
debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Card number after
clearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill
payment, mail order, telephone, or Internet purchases.
Returns and Refunds
If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to
accept credits to the Card for such refunds and agree to the refund policy of that merchant. The Issuer nor
Program Manager are responsible for the delivery, quality, safety, legality or any other aspects of goods or
services that you purchase from others with a Card. All such disputes must be addressed and handled
directly with the merchant from whom those goods or services were provided.
Card Replacement
If you need to replace the Card for any reason, please contact 1-800-382-6870to request a replacement
Card. You will be required to provide personal information which may include the 16-digit Card number,
your full name, transaction history, copies of accepted identification, etc. There is a fee for replacing a lost,
stolen or damaged Card, see the “Fee Schedule” for details. A fee may also be assessed for expedited
delivery of an additional Card; for more information about the delivery options and applicable fees, see the
section labeled “Fee Schedule.”
For information on replacing an expired Card, see the section below labeled “Expiration.”!
Expiration
The Card will expire no sooner than the date reflected on the front of the Card. The funds on the Card do
not expire. You will not be able to use the Card after the expiration date; however, you may request a
replacement Card be sent at no cost to you by following the procedures in the paragraph labeled “Card
Replacement.” If you need a replacement Card for any reason other than the Card’s expiration, you may
request one at any time, however there is a Replacement Card fee. For information about the fee, see the
section labeled “Fee Schedule.”
Transactions Made In Foreign Currencies
If you obtain funds or make a purchase in a currency other than the currency in which the Card was issued,
the amount deducted from the funds will be converted by Visa into an amount in the currency of the
Card. The exchange rate between the transaction currency and the billing currency used for processing
international transactions is 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. If you obtain funds or make
a purchase in a currency other than the currency in which the Card was issued, the Issuer may assess a
foreign currency conversion fee of 3% of the transaction amount and will retain this amount as
compensation for its services. Transactions made outside the fifty (50) U.S. states and the District of
Columbia are also subject to this conversion fee even if they are completed in U.S. currency.
Receipts
You should get a receipt at the time you make a transaction using the Card. You agree to retain, verify, and
reconcile your transactions and receipts.
Card Account Balance/Transaction History
You are responsible for keeping track of the available balance of the Card Account. Merchants generally will
not be able to determine the available balance. It’s important to know the available balance before making
any transaction. You may obtain information about the amount of money remaining in the Card Account by
calling 1-800-382-6870. This information, along with a sixty (60) day history of Card Account transactions, is
also available online at www.prepaidcardholder.com. You also have a right to obtain a sixty (60) day written
history of Card Account transactions by calling 1-800-382-6870 or by writing to Cardholder Services, P.O.
Box 724026, Atlanta, GA 31139. However, there is a fee for this service. For information about the fee, see
the section labeled “Fee Schedule.”
You will not automatically receive paper statements.
Fee Schedule
All fee amounts will be withdrawn from the Card Account and will be assessed as long as there is a
remaining balance on the Card Account, except where prohibited by law. Any time the remaining
Card Account balance is less than the fee amount being assessed, the balance of the Card Account
will be applied to the fee amount resulting in a zero balance on the Card Account.
Fee Description:
Fee Amount/ Frequency
Monthly Maintenance Fee (SVC CHG-MONTHLY):
$5.00 (unactivated Cards will be charged this fee per
calendar month starting the first month after the Card
expiration date until balance is depleted or for 1 year
whichever comes first)
PIN Based POS Transaction Fee (SVC CHG PIN TRAN)
$0.50 (per transaction)
Domestic ATM Cash Withdrawal Fee (SVC CHG ATM
WITHDRAW)
$1.50 (per transaction)
International ATM Cash Withdrawal Fee (SVC CHG
INTRNTL TRAN)
$4.50 (per transaction)
ATM Balance Inquiry Fee (SVC CHG BALANCE INQ)
$0.75 (per inquiry)
Cash Advance (SVC CHG CASH ADVANCE)
$5.00 (per transaction)
Customer Service Live Agent Fee (SVC CHG VRU OPT
OUT)
$1.50 (per call)
Replacement Card Fee (SVC CHG REPLACE CARD)
$10.00 This fee is charged (per Card) when the Card is
reissued or replaced for any reason except upon
expiration. (7-10 business day delivery)
Expedited Card Shipping (U.S.) (SVC CHG EXPED CARD)
$20.00 This fee is charged (per request) for an
expedited delivery of a Card replacement or reissue for
any reason. Expedited Card Replacement is an
additional fee for requested expedited 3-5 business
day delivery. $10.00 Standard Card Replacement
(U.S.) fee still applies for a Card that is reissued or
replaced for any reason except upon Card expiration.
Refund Process Fee (DR ADJ OTHER REFUND PROCESS
FEE)
$10.00 The Card Account Closure Fee applies when a
Cardholder contacts customer service and requests to
close his/her Card and be issued a check for the
remaining balance. Administratively, the Program
Manager must provide a means for Cardholders to
close out their Card Accounts and receive any
remaining balances. Customer service representatives
are instructed to advise Cardholders to access their
remaining balances at an ATM and/or POS terminal or
merchant to avoid this fee.
International Transaction Service Charge (SVC CHG
INTRNTL TRAN)
3% (of the transaction amount)
Paper Statement (DR ADJ OTHER STATEMENT FEE)
$5.00 (per monthly paper statement requested)
Confidentiality
We may disclose information to third parties about the Card or the transactions you make:
(1) Where it is necessary for completing transactions;
(2) In order to verify the existence and condition of the Card for a third party, such as a merchant;
(3) In order to comply with government agency, court order, or other legal or administrative reporting
requirements;
(4) If you consent by giving us your written permission;
(5) To our employees, auditors, affiliates, service providers, or attorneys as needed; or
(6) Otherwise as necessary to fulfill our obligations under this Agreement.
Our Liability for Failure To Complete Transactions
If we do not properly complete a transaction from the Card on time or in the correct amount according to our
Agreement with you, we will be liable for your losses or damages. However, there are some exceptions.
We will not be liable, for instance:
(1) If through no fault of ours, you do not have enough funds available on the Card to complete the
transaction;
(2) If a merchant refuses to accept the Card;
(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 the Card has been blocked after you reported the Card lost or stolen;
(6) If there is a hold or the funds are subject to legal or administrative process or other encumbrance
restricting their use;
(7) If we have reason to believe the requested transaction is unauthorized;
(8) 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
(9) Any other exception stated in our Agreement with you.
Your Liability for Unauthorized Transfers
Contact us at once if you believe the Card has been lost or stolen. Telephoning is the best way to minimize
possible losses. If you believe the Card has been lost or stolen, or that someone has transferred or may
transfer money from the Card Account without your permission, call 1-800-382-6870 or visit
www.prepaidcardholder.com. Under Visa Core Rules, your liability for unauthorized Visa debit transactions
on the Card Account is $0.00 if you are not negligent or fraudulent in the handling of your Card. This
reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa,
or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with
us). You must notify us immediately of any unauthorized use.
If the Card has been lost or stolen, we will close the Card Account to keep losses down and will send a
replacement card. There is a fee for replacing the Card. For information about the fee, see the section
labeled “Fee Schedule.”
Other Miscellaneous Terms
The Card and your obligations under this Agreement may not be assigned. We may transfer our rights
under this Agreement. Use of the 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 shall be 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 shall not be affected. This Agreement will be
governed by the law of the State of Delaware except to the extent governed by federal law.
Amendment and Cancellation
We may amend or change the terms and conditions of this Agreement at any time by posting the amended
Agreement on online at www.prepaidcardholder.com , and any such amendment shall be effective upon
such posting to that website. The current Agreement is available at www.prepaidcardholder.com. You will be
notified of any change in the manner provided 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 may cancel or suspend the Card or this Agreement at any time. You may cancel this Agreement by
returning the Card to us. Your termination of this Agreement will not affect any of our rights or your
obligations arising under this Agreement prior to termination.
In the event the Card Account is cancelled, closed, or terminated for any reason, you may request that the
unused balance be refunded to you. For security purposes, you may be required to supply identification and
address verification documentation prior to being issued a refund. There is a fee for a refund. Please refer
to the “Fee Schedule” above. In the event this Card Program is cancelled, closed, or terminated, we will
send you prior notice in accordance with applicable law. The notice will contain specific information and
instructions, including how and when you may receive a refund of any remaining Card Account
balance. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00. The
time frame for processing and delivery of any refund depends on the method you select to receive it. Refund
delivery methods may include, but not be limited to, mailing a paper check to you (allow seven (7) – ten (10)
business days for processing and delivery) and the option to receive an electronic check by email (requiring
you to print a paper check).
Information About Your Right to Dispute Transactions
In the case of a discrepancy or questions about the Card Account transaction(s), call 1-800-382-6870, write
to Cardholder Services, P.O. Box 724026, Atlanta, GA 31139 as soon as you can. You must contact us no
later than sixty (60) calendar days after we posted the transaction(s) to the Card Account. You may request
a written history of your transactions at any time by calling 1-800-382-6870 or writing to Cardholder
Services, P.O. Box 724026, Atlanta, GA 31139.
In case of a discrepancy or questions about the Card Account transactions you will need to tell us:
1. Your name and the 16-digit Card number.
2. A description of the transaction(s) including the date and dollar amount.
3. Why you believe there is a discrepancy.
If you provide this information orally, we may require that you send the details listed above in writing within
sixty (60) calendar days after we posted the transaction(s) you are questioning. You agree to cooperate fully
with our investigation and to provide any additional information or documentation we may need for the claim.
Once we have the required details, information, and/or documents, we will determine whether a discrepancy
occurred. If we ask you to put details in writing and you do not provide them within sixty (60) calendar days
of the date we posted the transaction(s) you are questioning, we may not be able to resolve the claim in your
favor.
We will tell you the results in writing after completing our investigation. If we determine a discrepancy
occurred, we will correct the discrepancy promptly and credit the Card Account. If we decide there was no
discrepancy, we will send you a written explanation.
English Language Controls
Any translation of this Agreement is provided for your convenience. The meanings of terms, conditions and
representations herein are subject to definitions and interpretations in the English language. Any translation
provided may not accurately represent the information in the original English.
Customer Service
For customer service or additional information regarding the Card, please contact:
Cardholder Services
P.O. Box 724026
Atlanta, GA 31139
1-800-382-6870
Customer Service agents are available to answer your calls twenty-four (24) hours a day, seven (7) days a
week, including holidays.
Telephone Monitoring/Recording
From time to time we may monitor and/or record telephone calls between you and us to assure the quality of
our customer service or as required by applicable law.
No Warranty Regarding Goods or Services as Applicable
We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you
purchase with the Card.
Arbitration
Any claim, dispute, or controversy (“Claim”) arising out of or relating in any way to: i) this Agreement; ii) the
Card; iii)your acquisition of the Card; iv) your use of the Card; v) the amount of available funds in the Card
Account; vi) advertisements, promotions or oral or written statements related to the Card, as well as goods
or services purchased with the Card; vii) the benefits and services related to the Card; or viii) transactions on
the Card, no matter how described, pleaded or styled, shall be FINALLY and EXCLUSIVELY resolved by
binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer
Arbitration Rules. This arbitration agreement is made pursuant to a transaction involving interstate
commerce and shall be governed by the Federal Arbitration Act (9 U.S.C. 1-16).
We will pay the initial filing fee to commence arbitration and any arbitration hearing that you attend
shall take place in the federal judicial district of your residence.
ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. NEITHER PARTY WILL HAVE THE
RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION, NEITHER PARTY WILL
HAVE THE RIGHT TO A JURY TRIAL OR TO ENGAGE IN DISCOVERY, EXCEPT AS PROVIDED FOR
IN THE AAA CODE OF PROCEDURE.
For a copy of the procedures, to file a Claim or for other information about this organization, contact it at:
AAA, 335 Madison Avenue, New York, NY 10017, or at www.adr.org.
All determinations as to the scope, interpretation, enforceability and validity of this Agreement shall be made
final exclusively by the arbitrator, which award shall be binding and final. Judgment on the arbitration award
may be entered in any court having jurisdiction.
NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION OR PRIVATE ATTORNEY GENERAL
ACTION OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON
OR CLASS OF CLAIMANTS SHALL BE ALLOWABLE.
This arbitration provision shall survive: i) the termination of the Agreement; ii) the bankruptcy of any party; iii)
any transfer, sale or assignment of the Card, or any amounts owed on the Card, to any other person or
entity; or iv) expiration of the Card. If any portion of this arbitration provision is deemed invalid or
unenforceable, the remaining portions shall remain in force.
IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE
OR USE THE CARD. CALL 1-800-382-6870 TO CANCEL THE CARD AND MAKE ALTERNATE
ARRANGEMENTS TO RECEIVE THE FUNDS ASSOCIATED WITH THE CARD ACCOUNT.
This Cardholder Agreement is effective (10/2020)