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Cardholder Agreement

IMPORTANT – PLEASE READ CAREFULLY

Terms and Conditions/Definitions for the Meijer® Visa® Prepaid Card
This Cardholder Agreement (“Agreement”) between you, The Bancorp, Wilmington, Delaware (“The Bancorp” or “Issuer”) and Blackhawk Network, California, Inc. (“Blackhawk Network”), outlines the terms and conditions under which the Meijer Visa Prepaid Card has been issued to you by The Bancorp. By accepting and using the Card, you agree to be bound by the terms and conditions contained in this Agreement. “Card” means the Meijer Visa Prepaid Card issued to you by The Bancorp and distributed and serviced by Blackhawk Network California, Inc., pursuant to an agreement with The Bancorp Bank. The Issuer is an FDIC insured member institution. “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. “Program Manager” means Blackhawk Network California, Inc. “We,” “us,” and “our” mean the Issuer, Program Manager, and the successors, affiliates or assignees of each. You acknowledge and agree that the value available in the Card Account is limited to the funds that you have loaded into the Card Account or have been loaded into 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 your Card. The Card is a prepaid card.

The funds in your Card Account associated with your Card are not held on your Card; instead, they are pooled with funds of other cardholders and held by the Program Manager in an account with the Issuer for your benefit, with the balance of such funds to be reduced through your use of such funds in accordance with the terms of this Agreement. 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 your 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 your 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 reference to “days” found in this Agreement means calendar days unless indicated otherwise.

Write down your Card number and the customer service phone number provided in this Agreement on a separate piece of paper in case your Card is lost, stolen, or destroyed. Keep the paper in a safe place. Please read this Agreement carefully and keep it for future reference.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions 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, and other information that will allow us reasonably to verify your identity. We may also ask to see a copy of your driver’s license or other information that will allow us to identify you.  We may also ask to see a copy of your driver’s license or other identifying documents.

The same identification verification requirements may apply to each Secondary Cardholder, if any are designated by you.

If we are unable to verify your identity, you may be permitted to use your Card until the balance in your Card Account has been spent; we may choose to issue you a refund check; or we may require further investigation, and in that case, you may not be able to reload your Card Account. Once you have successfully completed registration, you may request a personalized Card. Any secondary cardholder may also be required to provide the same cardholder information before they will receive their Card.

Activate Your Card
You must activate your Card before it can be used.  You may activate your Card by visiting www.paypower.com/meijer or calling (888) 206-4386.  However, until you successfully register your Card Account, you will have no ATM or cash access; you will not be able to perform Card to Card transfers; you will not be able to use the bill payment service; and you will not be able to reload your Card Account.

To register your Card Account, visit www.paypower.com/meijer or call (888) 206-4386. You will need to provide personal information in order to verify your identity. After you successfully register your Card Account, we will send your personalized Card to you by mail.

When your personalized Card arrives, you will need to activate it as well. You may do so by visiting www.paypower.com/meijer or calling (888) 206-4386.

Personal Identification Number
You may be given the opportunity to receive a Personal Identification Number (“PIN”) with your Card Account when you activate your Card.  You will also be given the opportunity to receive a PIN when you register your Card if you do not already have a PIN.  You should not write or keep your PIN with your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others 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 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 your Card. If you permit another person to have access to your 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
Once you successfully register your Card Account you may request an additional Card for another person. The maximum number of additional Cards permitted is one (1). You must notify us to revoke permission for any person you previously authorized to use the Card. If you notify us to revoke another person’s use of the Card, we may cancel your Card and issue a new Card with a different number. You remain liable for any and all usage of an additional Card you authorize.

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 United States or the District of Columbia; (iii) if you have registered your Card Account, 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
Before you register your Card you may not use your Card to obtain cash from an Automated Teller Machine (“ATM”) or any Point-of-Sale (“POS”) device, or by any other means. However, once you have successfully registered your Card Account and have provided your personal information, you may use your Card to obtain cash from an ATM, POS device, as permissible by a merchant, or through a participating bank (over the counter withdrawal) that bears the Visa® or Interlink® Acceptance Mark. All ATM transactions are treated as cash withdrawal transactions. The maximum cumulative amount that may be withdrawn from an ATM per day is $500.00. In addition to our limits, an ATM owner or operator may impose additional withdrawal limits. The maximum amount you may obtain through a participating bank (over the counter withdrawal) per day is $500.00.  Any funds withdrawn from a POS device will be subject to the maximum amount that can be spent on your Card per day.

Loading Your Card Account
You may add funds to your Card Account, called “value loading,” when you purchase your card.  The minimum amount of the initial value load is $20.00 The maximum amount of the initial value load is $500.00. After you successfully register your Card Account (including identity verification), you may value reload your Card Account at any time.

You may value reload your Card Account (i) by transferring money to your Card Account from a “REloadit™ Pack,” issued by Blackhawk Network California, Inc.; (ii) via cash using the Visa ReadyLink network at selected retailers; (iii) via direct deposit from your employer or payer; or (iv) by such other methods as we may offer you from time to time. If you value reload by transferring money to your Card Account from a REloadit Pack, there is no set minimum or maximum value reload amount; however, there are minimum and maximum amounts that may be loaded onto a Pack for transfer to your Card Account (load values can range from a minimum of $20.00 to a maximum of $950.00, but these amounts may vary by Pack and by retailer). If you value reload with cash using the Visa ReadyLink network, the minimum value reload will be $20.00, and the maximum value reload will be $500.00; however, individual retailers may set higher minimums and/or lower maximums. If you value reload via direct deposit, there is no set minimum or maximum amount. There is no maximum number of times you may value reload your Card Account per day; however, the maximum dollar amount of value reloads you may make to your Card Account in one day is $2,500.00. We will accept direct deposits larger than $2,500.00, but any direct deposit value reloaded to your Card Account will count against the $2,500.00 daily limit. You may find reload locations and instructions by visiting www.reloadit.com or calling (888) 206-4386.

You generally will have access to your funds within one (1) hour after reloading; if your funds are not available after that time, please call us at (888) 206-4386. Personal checks, cashiers 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 Account 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 Account at the discretion of the Issuer.

The only federal payments that may be deposited to this Card Account are federal payments for the benefit of the primary cardholder. If you have questions about this requirement, please call (888) 206-4386.

Direct Deposit to Your Card Account
You may have direct deposits made to your Card Account. If you have arranged to have direct deposits made to your Card Account at least once every sixty (60) days from the same person or company, you can call us at (888) 206-4386 to find out whether or not the deposit has been made. Your prepaid Card Account and associated direct deposit account number cannot be used for preauthorized direct debits from merchants or from utility or Internet service providers. If presented for payment, these preauthorized direct debits will be declined and your payment to the merchant or provider will not be processed. The bank routing number and direct deposit account number are for the purpose of initiating direct deposits to your prepaid Card Account only. You are not authorized to provide this bank routing number and direct deposit account number to anyone other than your employer or payer.

Using Your Card/Features

The maximum value of your Card Account is restricted to $10,000.00.

You may use your Card to purchase or lease good or services everywhere Visa debit cards are accepted as long as you do not exceed the value available in your Card Account. Some merchants do not allow cardholders to conduct split transactions, where you use the Card as partial payment for good 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 in 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 you Card, your Card is likely to be declined.

If you use your card at an authorized fuel dispense (“Pay at the Pump”), the merchant may preauthorize the transaction amount up to $125.00 or more. If you card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorization amount.

If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction.

Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available in your Card Account, you shall remain fully liable to us for the amount of the transaction and any applicable fees.

You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. With the exception of bill payment transactions (see “Paying Third Party Bills” below), you may not make preauthorized regular payments from your Card Account. 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 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.

Paying Third Party Bills
You may pay a wide variety of bills online using your Card Account. To do so, you must first register for the bill pay service by visiting www.paypower.com/meijer. As part of your registration, you will be asked to agree electronically to the terms and conditions of the service. You can view the terms and conditions for the bill pay service at www.paypower.com/meijer.

Preauthorized Transfers
(i) 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 us at (888) 206-4386 or write us at Customer Service, Department 6220, 5918 Stoneridge Mall Road, Pleasanton CA 94588 in time for us to receive your request three (3) 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 fourteen (14) days after you call. To the extent permitted by law, we may charge you for each stop payment order you give (see Fee Schedule below for amount).

(ii) Notice of Varying Amounts. If these regular payments may vary in amount, either we (if you ask us to make recurring payments through the bill pay service) or the person you are going to pay (if you ask them to take money from your Card Account on a recurring basis) will tell you, ten (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).

(iii) Liability for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

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 and agree to the refund policy of that merchant. The Issuer and Program Manager are not 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 your Card for any reason, please contact us at (888) 206-4386 to request a replacement Card. You will be required to provide personal information which may include your Card number, full name, transaction history, and other relevant information. There is a fee for replacing your Card.

Expiration
Your Card will expire when the “valid thru” date printed on the front of your Card has passed. The funds on the Card do not expire. You will not be able to use your Card after the expiration date; however, you may request a replacement Card at no cost to you by following the procedures in the paragraph labeled “Card Replacement.”

Transactions Made In Foreign Currencies
If you obtain your funds or make a purchase in a currency other than the currency in which your Card Account was issued, the amount deducted from your funds will be converted by Visa into an amount in the currency of your Card Account. 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 your funds or make a purchase in a currency other than the currency in which your Card Account was issued, the Issuer may assess a foreign currency conversion fee of 2% of the transaction amount and will retain this amount as compensation for its services. Transactions made outside of the 50 United 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 your Card. You agree to retain, verify, and reconcile your transactions and receipts.

Card Account Balance/Periodic Statements
You are responsible for keeping track of your Card Account available balance. Merchants generally will not be able to determine your available balance. It is important to know your available balance before making any transaction. You may obtain information about the amount of money you have remaining in your Card Account by calling (888) 206-4386. This information, along with a sixty (60) day history of Card Account transactions, is also available online at www.paypower.com/meijer. You also have a right to obtain a sixty (60) day written history of Card Account transactions by calling (888) 206-4386 or by writing us at Customer Service, Department 6220, 5918 Stoneridge Mall Road, Pleasanton CA 94588. However, there is a fee for this service. You will not automatically receive paper statements.

Fee Schedule
All fee amounts will be withdrawn from your Card Account and will be assessed as long as there is a remaining balance on your Card Account, except where prohibited by law. Any time your remaining Card Account balance is less than the fee amount being assessed, the balance of your Card Account will be applied to the fee amount, resulting in a negative balance.

Purchase/Maintenance Fees:
Retail Purchase Fee: $3.00
Monthly Maintenance Fee: $3.00 per month
Value Load/Reload Fees:
Retail: $3.00 at Meijer locations
$3.95 elsewhere (varies by retailer)
Direct Deposit: No charge
Visa ReadyLink: Varies by retailer
Transaction Fees:
POS PIN Transaction: No charge
POS Signature Transaction: No charge
ATM Fees:
Domestic ATM Withdrawal Fee: $1.95 per transaction
Domestic ATM Balance Inquiry Fee: $0.50 per transaciton
International ATM Withdrawal Fee: $3.95 per transaction
International ATM Balance Inquiry Fee: $0.95 per transaction
In addition, when you use an ATM not owned by us for any transaction, including a balance inquiry, you may be charged a fee by the ATM operator even if you do not complete a withdrawal. This ATM fee is a third party fee amount assessed by the individual ATM operator only and is not assessed by us. This ATM fee amount will be charged to your Card.
Service Fees:
Foreign Transaction Fee: 2.0% of the amount of the Foreign Transaction
Card to Card Transactions: No charge
Customer Service: No charge
Reissue Card: No charge
Lost/Stolen Replacement Card: $5.95 per request
Secondary Card Issuance Fee: $4.95 per request
Express Card Shipping Fee: $25.00 per request
Check Request Fee: $5.95 per request
(charged if you ask us to close your Card Account and issue a check for the remaining balance)
Bill Payment Fee - Electronic/Paper Check: No charge
Bill Payment Fee - Expedited: $9.95 per transaction
Fee for Written Account History: $2.95 per request

Confidentiality
We may disclose information to third parties about your Card or the transactions you make:
(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 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 your 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 your Card to complete the transaction;
(2) If a merchant refuses to accept your 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 your Card Account has been blocked after you reported your Card lost or stolen;
(6) If there is a hold or your 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 your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us (888) 206-4386. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you notify us within two (2) business days and you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by Visa or ATM cash withdrawals. If you notify us within two (2) business days of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00.

Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled “Information About Your Right to Dispute Errors”. If you do not notify us in writing within one hundred twenty (120) days after the date the transactions was debited or credited to your Card account, you may not get back any value you lost after the one hundred twenty (120) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your Card. If your Card has been lost or stolen, we may close your Card Account to keep losses down.

If you notify us orally, we may require you to give written notice within ten (10) business days.  We reserve the right to conduct an investigation into the validity of any claim of unauthorized use.  You agree to cooperate with any investigation we may make.

Other Miscellaneous Terms
Your Card and your obligations under this Agreement may not be assigned. We may assign or 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 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. 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 your Card or this Agreement at any time for any reason (for example, if we suspect fraud or unauthorized activity on your Card Account). You may cancel this Agreement by returning the Card to us. Your cancellation of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.

In the event that your Card Account is cancelled, closed, or terminated for any reason and you have registered your Card with your personal information, you may request the unused balance to be returned to you via a check to the mailing address we have in our records. There is a fee for this service. See the fee schedule above.  We reserve the right to refuse to return an unused balance if the balance is less than the fee for sending a check.

Information About Your Right to Dispute Errors
In case of errors or questions about your electronic transactions, call (888) 206-4386 or write to Cardholder Services, Department 6220, 5918 Stoneridge Mall Road, Pleasanton CA 94588 if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact us within one hundred twenty (120) days after the transfer allegedly in error was credited or debited to your Card Account. You may request a written history of your transactions at any time by calling us at (888) 206-4386 or writing us at Cardholder Services, Department 6220, 5918 Stoneridge Mall Road, Pleasanton CA 94588. You will need to tell us:

1. Your name and Card Account number
2. Why you believe there is an error, and the dollar amount involved
3. Approximately when the error took place

If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Card within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes to complete the investigation. If you do not have federal payments (for example, Social Security benefits, tax refunds or other government payments) deposited to your Card Account, we may not credit your Card. If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not credit your Card.

For errors involving new Cards, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. 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 (3) business days after completing the investigation. If we decide that there was no error, we will send you a written explanation. Copies of the documents used in the investigation may be obtained by contacting us at the phone number or address listed at the beginning of this section. If you need more information about our error-resolution procedures, call us at the telephone number shown above or visit www.paypower.com/meijer.

Unclaimed Property
If we have no record of Card activity for several years, applicable law may require us to report the balance on the Card as unclaimed or abandoned property. If this occurs, we may try to locate the owner of the Card at the address shown in our records. If we are unable to locate you, we may be required to deliver any value remaining on the Card to the state as unclaimed property and abandoned property.

Telephone Communications
You agree that from time to time, in accordance with applicable law, we may monitor and/or record telephone calls between you and us for training, to assure the quality of our customer service, for security purposes; in connection with our efforts at claim or dispute resolution; to detect fraud, unauthorized activity, or suspected wrongdoing, or as required by applicable law.

From time to time, we may need to contact you about your Card Account. You authorize us to call you at any number you provide or at any number at which we reasonably believe we can contact you, including calls or text messages to mobile, cellular, or similar devices, for any lawful purpose, including but not limited to: (1) suspected fraud or identity theft; (2) servicing your Card Account and (3) obtaining necessary information. You authorize us to use automated dialers and/or recorded messages when making such calls. You agree to pay (without reimbursement from us) any fees or charges you may incur from your telecommunications provider for any such calls we make to you.

Text Message Service
You may be able to request us to send certain messages to you (for example, account alerts) via SMS text message. To do so, you must first register for this service at www.paypower.com/meijer. As part of your registration, you will be asked to agree electronically to the terms and conditions of the SMS text message service. You can view the terms and conditions for this service at www.paypower.com/meijer. SMS text functionality will depend on your phone, your data package, and your plan. If you sign up for the text message service, you agree to pay (without reimbursement from us) any fees or charges you may incur for any text messages you receive from us. In addition, we will not be liable for any messages that you do not receive or have delay in receiving.

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.

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.

Customer Service
For customer service or additional information regarding your Card, please call us at (888) 206-4386 or write us at Customer Service, Department 6220, 5918 Stoneridge Mall Road, Pleasanton CA 94588.
Customer Service agents are available to answer your calls daily between 6am and midnight Central Time.

Arbitration
Any claim, dispute, or controversy (“Claim”) arising out of or relating in any way to: i) this Agreement; ii) your Card; iii) the Cards of any additional cardholders designated by you; iv) your purchase of the Card; v) your usage of the Card; vi) the amount of available funds in the Card Accounts; vii) advertisements, promotions or oral or written statements related to the Cards, as well as goods or services purchased with the Card; viii) the benefits and services related to the Cards; or ix) transaction 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 these organizations, contact them as follows: AAA, at 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 your Card, or any amounts owed on your 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.  SAVE YOUR RECEIPT AND CALL US AT (888) 206-4386 TO CANCEL YOUR CARD AND TO REQUEST A REFUND.

This Cardholder Agreement is effective 11/2012

© Blackhawk Network California, Inc. and The Bancorp. All rights reserved.
Blackhawk Network California, Inc.
5918 Stoneridge Mall Rd.
Pleasanton, California 94588
(888) 206-4386