LOYALTY, AWARD, OR PROMOTIONAL ACCOUNT

Universal Mastercard® Virtual Account Accountholder Agreement

IMPORTANT NOTICES:

1. This Card has been issued for loyalty/award/promotional purposes pursuant to a conditional offer and is not a gift card.
2. Please read carefully. This agreement contains an Arbitration Clause requiring all claims to be resolved by way of binding arbitration.
3. Always know the exact dollar amount available on your card. Merchants may not have access to determine your card balance.
4. If you do not agree to these terms, do not use the Card and cancel the Card by calling Customer Service. Any refunds or exchanges are subject to the policy of the Corporate Sponsor.

This Accountholder Agreement (“Agreement”) sets forth the terms and conditions under which a Mastercard Reward Virtual Account (“Account”) has been issued for your use by MetaBank®, National Association. By accepting and using this Account, activating the Account, or authorizing any person to use the Account, you agree to be bound by the terms and conditions contained in this Agreement. In this Agreement “You” and “your” means the person who has received and is authorized to use the Account. “We,” “us,” and “our” mean collectively, MetaBank, a federally- chartered savings bank, member FDIC, and its divisions or assignees, and also includes, unless otherwise indicated, our Program Manager. “Program Manager” refers to Blackhawk Network, who performs certain services related to the Account on MetaBank’s behalf. “Corporate Sponsor” means the company who has directly or indirectly established this Account for the purpose of disbursing funds to you. The Account may be canceled or revoked at any time without prior notice, subject to applicable law. Please read this Agreement carefully and keep it for future reference.

1. ABOUT THE ACCOUNT
   Your Account is a prepaid Account loaded by the Corporate Sponsor, redeemable to buy goods and services at online, telephone, or mail order merchants where the Account is honored. To find out where the Account is honored, visit the Website at www.myprepaidcenter.com or call the Customer Service Number. The Account is NOT a credit Card. The Account is not a checking account or connected in any way to any account other than a stored value account where your funds are held. If you have registered your Account, the funds will be insured by the Federal Deposit Insurance Corporation (“FDIC”), subject to applicable limitations and restrictions of such insurance. You may register your Account by logging into www.myprepaidcenter.com.
2. USING THE ACCOUNT
   • Accessing Funds and Limitations
     You must activate your Account prior to use by going to www.myprepaidcenter.com. The Corporate Sponsor is fully responsible for ensuring funds are available to be loaded to your Account. Each time you use your Account, you authorize us to reduce the value available on your Account by the amount of the transaction. Your Account cannot be: (1) redeemed for its cash value; (2) used for illegal transactions; (3) used for purchases where recurring payments may occur, such as subscriptions, memberships, rentals, etc.; or (4) used to obtain cash at an automated teller machine (“ATM”). For security reasons, we may limit the amount or number of transactions you can make on your Account. We may refuse to process any transaction that we believe may violate the terms of this Agreement. YOU ARE NOT ALLOWED TO EXCEED THE BALANCE OF THE FUNDS AVAILABLE ON YOUR ACCOUNT. If you attempt to use the Account when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Account occurs due to a systems malfunction or otherwise, you will remain fully liable to us for the amount of the transaction. We reserve the right to cancel this Account should you create a negative balance. If you do not have enough funds available on your Account, you may be able to instruct the merchant perform a “split transaction” to charge part of the purchase to the Account and pay the remaining amount with another form of payment.
   • Limits

     Load Limitations	Limit
     Maximum Account balance at any time	$1,000
     Maximum amount of Corporate Sponsor loads	$1,000
     Spend Limitations	Limit
     Maximum amount in Point of Sale Signature or Point of Sale PIN Transactions	$1,000 per day

   • Authorized Users
     If you allow another person to use the Account, 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.
   • 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 Account 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 Account. 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 the Foreign Transaction Fee that we charge as compensation for our services. You will be charged a Foreign Transaction Fee in U.S. dollars equal to 2% of the total amount of the transaction. If the Foreign Transaction results in a credit due to a return, we will not refund any Foreign Transaction Fee that may have been charged on your original purchase.
   • Obtaining Account Balance Information
     You may obtain information about the amount of money you have remaining on your Account at no charge by contacting Customer Service. This information, along with a history of Account transactions, is also available online by visiting our Website. It may also be possible to request a written copy of Account transactions by contacting Customer Service
   • Authorization Holds
     You do not have the right to stop payment on any purchase transaction originated by use of your Account. With certain types of purchases (such as those made at restaurants, hotels, or similar purchases), your Account 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.
   • Returns and Refunds
     If you are entitled to a refund for any reason for goods or services obtained with your Account, the return and refund will be handled by the merchant. If the merchant credits your Account, 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.
   • Receipts
     You may wish to retain receipts as a record of transactions. You may need a receipt in order to verify a transaction with us or the merchant.
3. REPLACEMENT ACCOUNT
   If you need to replace your Account for any reason, please contact Customer Service. See the table above for applicable fees. Please note that your Account has an expiration date on the Account. You may not use the Account after the expiration date. However, even if the expiration date has passed, the available funds on your Account do not expire. You will not be charged a fee for a replacement Account that we send due to expiration of the Account.
4. 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 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.
5. UNAUTHORIZED TRANSACTIONS
   • Contact Customer Service Immediately
     If you believe your Account has been lost or stolen or an unauthorized transaction has been made using the information from your Account without your permission, contact Customer Service IMMEDIATELY. We will ask for the Account number and other identifying details. We may not be able to assist you if you do not have the Account number. We may not be able to assist you if you do not contact us within 60 days of the unauthorized transaction. We will charge a fee as noted in the fee table above (subject to applicable law) for any lost/stolen Account, which will be deducted from the balance on the Account. A reissued Account may take up to 30 days to process.
   • Zero Liability
     Under Mastercard’s Zero Liability Policy, your liability for unauthorized transactions on your Mastercard-branded Account is $0.00 if you notify us promptly upon becoming aware of the loss or theft, and you exercised reasonable care in safeguarding your Account from loss, theft, or unauthorized use. This policy limiting your liability does not apply to debit transactions not processed by Mastercard, certain commercial transactions, or unregistered Accounts.
6. NO WARRANTIES AND LIMITATION OF LIABILITY
   We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased with an Account. Further, we will not be liable: (1) If, through no fault of ours, you do not have enough funds available on your Account to complete the transaction; (2) If a merchant refuses to accept your Account; (3) If an electronic terminal where you are making a transaction does not operate properly; (4) If access to your Account has been blocked after you reported your Account lost or stolen; (5) If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction; or (6) For any other exception stated in our Agreement with you.
7. 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.
   • Assignability
     You may not assign or transfer your Account or your obligations under this Agreement. We may, however, transfer or assign our rights under this Agreement, including any balances in your Account.
   • Other Terms
     We may amend or change the terms of this Agreement at any time, subject to applicable law. 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 South Dakota except to the extent governed by federal law. Should your Account have a remaining balance after a certain period of inactivity, we may be required to remit the remaining funds to the appropriate state agency.
8. PRIVACY
   We may provide information to our employees, auditors, affiliates, service providers, or attorneys as needed, or to any third party if you give us your written permission. We may also collect: (1) Information about purchases made with the Account, such as date of purchase, amount and place of purchase; (2) Information you provide to us when you register a Account, or for replacement Accounts, or when you contact us with customer service issues, such as name, address, phone number.We may also disclose information about your Account or the transactions you make to third parties in order to: (1) complete transactions; (2) verify the existence and condition of your Account for a third party, such as merchant; (3) provide customer services; (4) process claims for lost or stolen Accounts; (5) help protect against fraud and to conduct research and analysis; or (6) comply with government agency or court orders, or other legal reporting requirements.
9. JURY TRIAL WAIVER AND ARBITRATION
   Because you have a limited right to use of these funds, any dispute regarding loss of funds should be handled with the Corporate Sponsor. However, to the extent you pursue action or claim against us, you agree to the following clauses.
   • Jury Trial Waiver: 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 does not modify in any fashion the Arbitration Clause set forth in the following section, which contains its own jury trial waiver.
   • Arbitration Clause: You can opt out of this Arbitration Clause within 60 calendar days from the earlier of purchasing, activating, or using the Account. You must send the opt out notice in writing to MetaBank, N.A. Attn: Customer Service, 5501 S Broadband Ln, Sioux Falls, SD 57108 (“Notice Address”). This Arbitration Clause governs any dispute arising under this Agreement, aside from the validity and coverage of this Arbitration Clause. Arbitrations will be conducted under the rules of the arbitration administrator, as chosen by us. Arbitration may be brought by you or us, and we will not demand arbitration if you bring an individual action in small claims court. In addition to the Jury Trial Waiver above, you also waive your rights to be a class member or bring suit in a class action or class arbitration. In order to commence an arbitration, the party bringing the dispute must send the notice and complaint in writing. You must send your notice to the Notice Address. After receiving notice, the other party has 30 days to attempt to resolve the issue before a suit or arbitration commences. We will pay all costs associated with administering an arbitration brought by you in good faith, if you cannot get a waiver and ask us to pay. Further, we will pay legal fees and costs if you win or as required by law or the arbitrator. This Arbitration Clause will stay in force if your Account is closed or we assign our rights under this Agreement. This Arbitration Clause and any rights to appeal or requests for information will be governed by the Federal Arbitration Act and the rules of the arbitrator.