AT&T my Rewards

Terms and Conditions

AT&T my Rewards Prepaid Card Account Agreement

Effective Date: March 1, 2018

By using or allowing another to use your Commercial Prepaid Card, you agree to be bound by the terms and conditions of this Commercial Prepaid Card Account Agreement (“Agreement”). This Agreement is the agreement between you and Bank of America with respect to the issuance and use of the enclosed Commercial Prepaid Card (“Card”). It describes the electronic banking services you can use with your Card (as defined below) and includes information about our and your rights and obligations. This Agreement discloses the terms and conditions of your Commercial Prepaid Card Account. You are not entitled to the same rights or benefits given to deposit account customers or debit card holders at Bank of America, N.A. unless such rights or benefits are contained in this Agreement. Please read this Agreement and the enclosed Fee Disclosure and Other Important Disclosures ("Fee Disclosure") carefully and keep it for future reference. In this Agreement, “you”, “your” and similar words mean the person(s) who has received the Card and is authorized to use it as provided for in this Agreement; “we”, “us”, “our” and similar words mean Bank of America, N. A. and its successors and assigns; and “your sponsor” means the government agency, employer or other commercial entity that has provided the Card for your use.

“Account” means the Commercial Prepaid Card Account accessed by your Card.

“Electronic Fund Transfers” include all transfers resulting from prepaid cards, electronic payments, credits and transfers, telephone transfers, and online banking transactions.

“Card” means a Bank of America commercial prepaid card, or any other access device that is linked to a commercial prepaid card account with us.

  1. General Information

    Your Card is not a gift card.

    General Account Information and Funds Loaded to Your Card. You have received your Card at the request of, and per your agreement with, your sponsor as a means of delivery of funds for the purposes defined by your sponsor with deductions for transactions and fees as more fully described in this Agreement and the Fee Disclosure. Other than additional amounts that may be added by your sponsor or as stated in this Agreement, you may not add or load other amounts to the balance available on your Card. For information on the amounts and scheduled dates of additions to your Account, please contact your sponsor. Except where prohibited by law or otherwise stated in this Agreement, your Card can be used for any purpose you choose except if stated otherwise in the documents provided with this Agreement. Once properly deposited, your sponsor has no rights to any funds in your Account, except as otherwise provided by law or the rules of the network used to make the deposit.

    Your Card is our property, and we may revoke your Card at any time without cause or notice. You may not use an expired or revoked Card. No interest is paid on the balance on your Card for any period of time.

    Individual Accounts Only. Each Account is individually owned by the recipient who receives payments from the Agency. No joint ownership of an Account is permitted. You may have only one Card for each Account.

    Accounts are Not Transferable. Your Account is not transferable to any other person. We reserve the right not to acknowledge or accept attempted pledges or assignments of, or purported security interests in, your Account.

    Business Days. For purposes of this Agreement, our business days are Monday through Friday, excluding bank holidays.

  2. Funds Availability

    1. When Funds are Available for Withdrawal. Funds are available for your use on the day we have been instructed by your sponsor to fund your Card. Once the funds are available, you may make the transactions described within this Agreement. Funds received by us may be delayed for a longer period if there is an emergency, such as failure of computer or communications. We will notify you if we delay your ability to make transactions as a result of an emergency and we will tell you when funds will be available.
    2. Overpayments and Reversals. If funds to which you are not entitled are loaded to your Card by mistake or otherwise, we may deduct these funds and create a negative balance on your Account. We can do this without giving you any prior notice or demand.
    3. “Freezing” Your Card. If we suspect irregular, unauthorized, or unlawful activities may be involved with your Card, we may “freeze” (or place a hold on) the balance pending an investigation of such suspected activities. If we freeze your Card, we will give you any notice required by law.

  3. Your Responsibility

    1. Responsibility for Card. You agree to use your Card only in the manner and for the purposes described in this Card Agreement. If you attempt to use your Card in any other manner or for any other purpose, we may decline the transaction or in our discretion we may complete it without incurring any obligation to honor the same type of transaction on future occasions. If a signature panel is provided on your Card, you must sign your Card. You are responsible for all transactions and charges incurred through use of your Card by you or by anyone you allow to use your Card. You agree to take reasonable precautions to prevent unauthorized use of your Card or disclosure of your Personal Identification Number (“PIN”). You will notify us promptly if such use or disclosure occurs. The amount available on your Card will be reduced by the amount of your transactions plus applicable fees. There is no overdraft/credit feature on your Card. To the extent permitted by law, we reserve the right to take or offset funds in any account you have with us or any debt or obligation you owe to us. If you breach or do not fulfill any term of this Agreement, you are responsible to us for all damages and losses.
    2. Your Personal Identification Number (“PIN”). You must select a PIN at the time you activate your Card and prior to using your Card for transactions. If you need to reset the PIN, please call us at 1.866.373.5801, 1.866.656.5913 TTY, or 423.262.1650 (Collect, when calling outside the U.S.) or visit us online at www.bankofamerica.com/attmyrewards to add a PIN to your Card. Once you have set a PIN on your Card, it continues to apply to any replacement Card issued to you with the same Card number.
    3. Activating your Card. When we send you a Card, for your protection, the Card is not activated. Before using your Card, you must activate it by calling the number or visiting the website provided on the sticker affixed to your Card.
    4. Card Upgrade. In the event you receive a Card that does not bear your name (non-personalized) directly from your sponsor, you may be eligible to receive a personalized upgrade Card in the mail after a pre-determined number of deposits or calendar days. If you receive a personalized upgrade Card in the mail, you must activate the Card immediately. You will have 30 days from the date of issuance to activate your new Card. Once activated, your current balance will transfer to the new Card and your old Card will become inactive.

  4. Cash Access

    You may not use your Card to obtain cash.

  5. Limitations on Transactions

    General limits. Limitations on your use of the Card are based on your sponsor’s program with us and the type of Card you have with us. We may issue authorizations, and permit withdrawals and purchases, in excess of your daily limit. We may decline any transaction if you do not have enough available funds in your Account to cover the transaction. We may decline any transaction if it appears to us to be suspicious or high risk.

    Sponsor imposed limits. Your sponsor may impose daily limits on transactions. Any daily limits and transaction or usage restrictions imposed by your sponsor will be set forth in the documents provided with your Card.

    For security reasons, there may be limits on the amount, number or type of transactions that you can make using your Card, and we may restrict access to your Card if we notice suspicious activity.

  6. Point of Sale Purchases with Your Card

    You may use your Card to pay for goods and services at retail locations that accept Cards. Some transactions may require use of your PIN. The merchant may charge a fee for these transactions.

    1. Liability for purchases. We are not liable if a merchant or financial institution does not accept your Card or Card number. Each time you use your Card to purchase goods or services at a merchant or financial institution, you authorize us to deduct the amount of the transaction, including any fees, from your prepaid Card. Even if the merchant’s terminal allows you to choose debit or credit, the amount of the transaction is deducted from your prepaid Card. It is not a credit transaction and your Card is not a credit card.
    2. Purchases in excess of Card value. If your purchase amount is greater than the remaining value on your Card, most merchants will permit you to pay the difference with alternative methods. You must inform the merchant before beginning your transaction and you must know the remaining value on your Card. You do not have the right to stop payment on any point-of-sale transaction originated by use of your Card. You agree that we are not responsible for goods or services purchased with your Card, if any merchant refuses to accept your Card, or for any other actions of the merchant.
    3. Holds. When we approve a request from a merchant or other financial institution to authorize a transaction you conduct with your Card, we may place a hold on the funds. The hold reduces the available balance on your Card by the amount stated in the request. Because the hold reduces the available balance on your Card, your remaining available balance must be sufficient to cover other items that post to your Card (such as electronic fund transfers, and other debits). In most cases the hold expires when the transaction posts to your Account or three business days after the request, whichever occurs first. When the hold expires, the amount being held is added to or subtracted from your available balance. The amount is not applied to a specific transaction. Please note that placing these holds reduces the available balance on your Card and removing these holds either increases or decreases the available balance on your Card. We are not responsible for damages or losses of any type, including wrongful dishonor, for any transaction that is not authorized because of a hold.
    4. Merchant acceptance of your Card. We have no liability or responsibility if, for any reason, your Card is not honored for all or part of a transaction at any establishment or the merchant fails to abide by the applicable network rules and regulations when accepting your Card.
    5. Refunds, stop payments and merchant disputes. You do not receive cash refunds for returns of merchandise or services purchased using your Card. When a merchant gives you a refund for a purchase made using your Card, the refund is credited back to your Account and will appear on your next statement, if applicable or in your Account history. You may not place a stop payment on a purchase transaction. You should settle any disputes you have about goods or services you purchase using your Card directly with the merchant. If a merchant misrepresents the quality, price, or warranty of goods and services you purchase using your Card, or if a merchant for any reason refused to accept your Card or fails to abide by the applicable network rules governing your Card, we are not liable to you or responsible for any damages or losses that result from the merchant’s misrepresentation, failure to accept your Card or failure to abide by the network rules.

  7. Foreign Transactions

    If you use your Card to purchase goods or services in a foreign currency or in U.S. dollars with a foreign merchant, we will assess an International Transaction Fee. Any International Transaction Fee will be shown in the transaction section of your monthly Account statement or in your Account history. Please note that Foreign Transactions include U.S. internet transactions made in the U.S. but with a foreign merchant. If the Foreign Transaction is made in U.S. dollars, the International Transaction Fee will be the percentage of that U.S. dollar amount as disclosed in the Fee Disclosure. If the Foreign Transaction is made in a foreign currency, the applicable payment network will convert the transaction into a U.S. dollar amount, and the International Transaction Fee will be the percentage of that converted U.S. dollar amount as disclosed in the Fee Disclosure.

    The currency conversion rate used by Visa® will be either (1) a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may differ from the rate Visa receives, or (2) a government-mandated rate in effect for the central processing date. The currency conversion rate used by Mastercard will be either (1) a wholesale market rate selected by Mastercard, or (2) a government-mandated rate. The rate used by Visa or Mastercard on the processing date may differ from the rate on the date of your transaction.

  8. No Preauthorized Transactions

    You may not make pre-authorized regular payments through the use of your Card.

  9. Negative Balances and Unposted Transactions

    When you do not have enough available funds on your Card to cover Card purchases, we will decline the transaction and you will not be subject to overdraft fees. There is no overdraft/credit feature on your Account.

    However, if a negative balance does occur in your Account, you agree (a) that we may take the amount of the negative balance from subsequent additions to your Account or (b) to pay us on demand the amount of the negative balance.

    If your Card is closed, leaving outstanding but unposted transactions originated by using the Card, you agree to immediately repay us the amount of these outstanding transactions.

  10. Right to Receive Documentation of Transactions

    1. Terminal Receipts. You usually can get a receipt at the time you make any transaction with your Card at POS; except that you may not get a receipt if the amount of the transaction is $15 or less. If the receipt and our records conflict, our records will govern.
    2. Preauthorized Credits. You can call us at 1.866.373.5801, 1.866.656.5913 TTY, or 423.262.1650 (Collect, when calling outside the U.S.), to find out whether or not a direct deposit has been made.
    3. Delivery of Statements and Notices. If you request to receive your monthly Account statement by mail, we will deliver it to the last address we have on our records for you. See the Fee Disclosure for the fee for receiving monthly Account statements by mail. You agree to notify us promptly, in writing, at the address listed in Section 15 below, of any change of address or you may change your address online at www.bankofamerica.com/attmyrewards. If you receive your monthly Account statement by mail, you may request that rather than receiving it by mail, you may review it electronically. If you wish to do so, you may make this request online at www.bankofamerica.com/attmyrewards or you may contact the Commercial Prepaid Debit Card Customer Service Center (the “Service Center”) at the address or phone number below.

    CARDHOLDERS WHO DO NOT RECEIVE MONTHLY ACCOUNT STATEMENTS BY MAIL

    Access to Your Account Information. You may obtain information about the amount of money you have remaining in your Account by calling 1.866.373.5801, 1.866.656.5913 TTY, or 423.262.1650 (Collect, when calling outside the U.S.). That information is also available on the receipt you get when you make a transfer with your card at the POS. This information, along with a 12-month history of Account transactions, is also available online at www.bankofamerica.com/attmyrewards.

    You also have the right to obtain a 24-month written history of Account transactions by calling 1.866.373.5801, 1.866.656.5913 TTY, or 423.262.1650 (Collect, when calling outside the U.S.), or writing to us at: Bank of America, P.O. Box 8488 , Gray, TN 37615-8488. You will not be charged a fee for this information unless you request it more than once per month.

    Prompt Review of Account Information. You agree to promptly review your Account information and to notify the Service Center at the address or phone number in Section 15 below at once if any Account information shows transactions that you did not make or authorize. Section 15 below has more specific information about disputing transactions, fees, or errors.

    CARDHOLDERS WHO RECEIVE MONTHLY ACCOUNT STATEMENTS BY MAIL

    Monthly Card Account Statements. Upon your request, we will provide you with an Account statement monthly for every month in which your Account is open. The statement will include information about the transactions you made, deposits, fees and adjustments to your Account. A fee may apply to receive a monthly paper statement. For more information see the Fees Disclosure.

    Prompt Review of Statements. You agree to promptly review your monthly Account statements and to notify the Service Center at the address or phone number in Section 15 below at once if any statement shows transactions that you did not make or authorize. Section 15 below has more specific information about disputing transactions, fees, or errors shown on your monthly Account statement.

  11. Bank Fees

    Fee Disclosure. Bank fees associated with your Card are listed in the Fee Disclosure. These fees are imposed by us and retained by us. We may also charge you a handling fee if you request a special service.

    Payment of Fees by You. You agree to pay all fees listed in the Fee Disclosure. Fees will be taken from the balance of your Account as they occur. The sponsor may not charge you any fees in connection with your Card or your Account.

  12. Privacy Policy and Disclosure of Card Information to Third Parties

    As part of your sponsor establishing a commercial prepaid card program with us, you will receive with your Card a copy of the Prepaid Card Privacy Notice which generally addresses our policy for handling and disclosing information for your Card. You may view this Prepaid Card Privacy Notice at www.bankofamerica.com/security-center/privacy-overview.

    With respect to any information we collect from you as a result of your Card, we will only share such information related to your Account, from time to time, subject to any applicable financial privacy laws or other laws or regulations, (a) where it is necessary for completing transactions; (b) in response to any subpoena, summons, court or administrative order, or other legal process which we believe requires our compliance; (c) in connection with collection of indebtedness or to report losses incurred by us; (d) in compliance with any agreement between us and a professional, regulatory or disciplinary body; (e) in connection with potential sales of businesses; (f) to service providers who help us meet your needs by assisting us in providing the services under this Agreement; or (g) if you give us your written permission.

  13. Bank of America’s “Zero Liability” Policy for Unauthorized Transactions.

    Federal law (described in the section below entitled "Regulation E Liability Disclosure; Your Liability in Case of Loss, Theft, or Unauthorized Transactions") may limit your liability for unauthorized transactions on your Account, but you may still be liable in some circumstances. Under the Bank of America “zero liability” policy, you may incur no liability for unauthorized use of your Card up to the amount of the unauthorized transaction, provided you notify us within a reasonable time of the loss or theft of your Card, Card number or PIN or its unauthorized use, subject to the following terms and conditions:

    Excluded transactions. Our zero liability policy does not apply to any unauthorized electronic fund transfer on an account which does not involve use of a Card or Card number.

    “Unauthorized” defined. A transaction is considered “unauthorized” if it is initiated by someone other than you (the cardholder) without your actual or apparent authority, and you receive no benefit from the transaction. A transaction is not considered “unauthorized” if 1) you furnish your Card, Card number or other identifying information to another person and expressly or implicitly give that individual authority to perform one or more transactions, and the person then exceeds that authority, or 2) for any other reason we conclude that the facts and circumstances do not reasonably support a claim of unauthorized use.

    “Reasonable” time defined. Reasonable time will be determined in our sole discretion based on the circumstances but will not be less than the time frames specified under the Electronic Fund Transfer Act or Regulation E (see Section 14 below).

    Other considerations. We may ask you for a written statement, affidavit or other information necessary to support your claim. If you do not provide the requested materials within the time requested or within a reasonable time if no date is stated, and we have no knowledge of the facts or other documentation to further investigate or confirm your claim, our zero liability policy may not apply.

    Limitation of our Liability. Our liability under this policy is limited to reimbursing you for the amount of your loss up to the face amount of any unauthorized card transaction covered by this policy. We are not liable for any claims, losses or damages that arise out of your misuse of the Card. We are not liable for any claims of special, indirect or consequential damages.

    Your Rights under Regulation E. If your claim does not meet the prescribed conditions for reimbursement under the above policy, you still retain any consumer rights you may have under Regulation E, as described in Sections 14 and 15 below, and we will automatically re-examine the claim in accordance with those rights.

  14. Regulation E Liability Disclosure; Your Liability in Case of Loss, Theft, or Unauthorized Transactions.

    Contact Us Promptly. Please contact us at the numbers listed below AT ONCE if you believe your Card has been lost or stolen, or if you believe that someone may use or has used your PIN assigned to your Card without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account. If you tell us within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized transaction or a series of related unauthorized transfers should someone use your Card or PIN.

    If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500.

    Also, if your monthly Account statement or your Account history shows transfers that you did not make, including those made by your Card, Card number, PIN or other means, tell us at once. If you receive a monthly Account statement and you do not tell us within 60 days after the statement was mailed to you, 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 contacted us on 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.

    If you do not receive a monthly Account statement and do not tell us within 60 days after the earlier of the date you electronically access your 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 (but in any event within 120 days after the transaction allegedly in error was credited or debited to your Account), you may not get back any money you lost after the applicable 60 or 120 day period if we can prove that we could have stopped someone from taking the money if you had contacted us on time. If a good reason (such as a long trip or hospital stay) keeps you from notifying us, we will extend the time periods.

    If you believe your Card has been lost or stolen, call us at 1.866.373.5801, 1.866.656.5913 TTY, or 423.262.1650 (Collect, when calling outside the U.S.) or write to: Bank of America, P.O. Box 8488, Gray, TN 37615-8488.

    NOTE: These liability rules are established by Regulation E which covers accounts that involve the use of a Card. Our zero liability policy, as described in Section 13 above, regarding unauthorized transactions may give you more protection, provided you report the transactions promptly. You should also note that when you give someone your Card or PIN, you are authorizing that person to use your Card and you are responsible for all transactions that person performs with your Card or PIN. These transactions are authorized transactions. Transactions are considered unauthorized only after you notify us that the person is no longer authorized. Remember, do not write your PIN on your Card or carry your PIN with you. This reduces the possibility of someone using your Card without your permission if it is lost or stolen.

  15. Error Resolution.

    In Case of Errors or Questions About Your Transactions:
    Telephone us at: 1.866.373.5801
    1.866.656.5913 TTY
    423.262.1650 (Collect, when calling outside the U.S.)
    Or write to:
    Bank of America
    P.O. Box 8488
    Gray, TN 37615-8488

    CARDHOLDERS WHO RECEIVE MONTHLY ACCOUNT STATEMENTS BY MAIL

    Call or write as soon as you can if you think your monthly Account statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. You will need to tell us:

    (a) Your name and Card Account number.
    (b) Why you believe there is an error, and the dollar amount involved.
    (c) Approximately when the error took place.

    If you tell us orally, we may require that you send your complaint or question in writing within 10 business days.

    CARDHOLDERS WHO DO NOT RECEIVE MONTHLY ACCOUNT STATEMENTS BY MAIL

    Call or write as soon as you can if you think an error has occurred in your Account. We must allow you to report an error until 60 days after the earlier of the date you electronically access your 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; but in any event you must report the error no more than 120 days after the transaction allegedly in error was credited or debited to your Account. You may request a written history of your transactions at any time by calling or writing to us at the numbers and address listed above. 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 tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

    WHEN YOU WILL HEAR FROM US

    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, POS, 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 or write to us using the contact information listed above.

  16. Our Liability for Failure to Complete Transactions.

    If we do not complete a transfer to or from your Account on time or in the correct amount according to this Agreement, we will be liable for your losses or damages.

    However, there are some exceptions. We will not be liable, for instance:

    • If, through no fault of ours, you do not have enough available money in your Account to make the transaction;
    • If circumstances beyond our control (such as power outages, equipment failures, fire or flood) prevent the transaction, despite reasonable precautions that we have taken;
    • If your Card or PIN has been reported to be, or suspected of being, lost or stolen, and we have taken action to prevent transactions with the Card or PIN;
    • If your Account is subject to some legal process, right of setoff or encumbrance restricting the transaction, or if the funds in your Account are not immediately available for completing a transaction.

  17. Security

    Confidentiality of your PIN. You agree not to disclose to anyone the PIN furnished by us or selected by you to be used with the Card.

  18. Amendments/Expiration/Termination

    Amendments. We may, at any time, change the terms and conditions in this Agreement, including the amount of any fee. We may add new terms and conditions and we may delete or amend existing terms and conditions. We generally send you at least 21 days’ advance notice of an adverse change, including increased fees to you, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers. If a change is not adverse to you, however, we may make the change at any time without advance notice. If you continue to use your Card, you accept and agree to the change. If you do not agree with the change, you must close your Account and destroy your Card(s).

    Card Expiration. Your Card expires on the date listed on the front of your Card. If a balance remains on your Card after expiration, your sponsor may provide a replacement card or you may request the remaining balance be sent to you in the form of a check less the Check Issuance Fee, if applicable.

  19. Our Right to Cancel or Block Your Card

    We may decide not to issue or renew a Card and we may cancel or suspend your Card privileges or close your Card with or without cause or notice, other than that required by federal or state law. If your sponsor is your employer, your sponsor may terminate your Card if you are no longer employed by your sponsor. Your Card remains our property and we may repossess it at any time. If the Card is used other than as permitted by this Agreement, we may at our option and without waiving any rights, complete the transactions and debit or credit your Account accordingly. The cancellation of Card privileges does not affect other terms of your Agreement.

    If we reinstate your Card privileges, this Agreement is also automatically reinstated.

    If the Card we send you is returned undelivered or if your Card or PIN is reported as lost or stolen, we may restrict use of any Card with the same numbers. We may close or suspend your Card at any time, including if you have not made any transactions using your Card for a period of time no less than 180 days.

    If we cancel your Card, we may, at our option, either apply the remaining balance to a new card for your benefit or send you a check for the remaining balance less the Paper Check Fee, if applicable.

    Your Closure of Your Card Account. You may close your prepaid Account at any time. If, at the time you close your Account, all transactions have cleared and there is no remaining balance, your Account will be closed to further use. If there is a remaining balance, you may use your Card to reduce the balance to zero before closing your Account. Alternatively, you may contact us and request a check for the remaining balance of your Account, less the Paper Check Fee. You understand that you are responsible for negative balances that occur after your notice of closure to the same extent as provided in this Agreement for an open Account. You agree to destroy your Card after closure.

  20. General Terms

    1. Waiver and severability. You waive and release us from any obligations that could arise due to defenses, rights and claims you have or may have against any third party on account of the use of the Card. We may delay enforcing our rights under this Agreement without losing them. If we waive a provision of this Agreement, the waiver applies only in the specific instance in which we decide to waive the provision and not to future situations or other provisions.

      If any part of this Agreement is inconsistent with any applicable law, then to the extent the law can be amended by contract, you and we agree that this Agreement governs and that the law is amended by this Agreement. A determination that any part of this Agreement is invalid or unenforceable will not affect the remainder of this Agreement.

    2. Sales drafts/debit slips. We report Card transactions on your Account statement, if you receive one, or your electronic transaction history. We do not return copies of sales drafts or debit slips or other items related to the use of the Card. You may obtain a copy of a sales draft or debit slip upon your prompt request.

    3. Legal transactions. You agree that you will only use the Card for transactions that are legal. You agree that you will not use your Card for any illegal transactions or activity, for example those prohibited by the Unlawful Internet Gambling Enforcement Act, 31 U.S.C. Section 5361, et seq. Display of a Visa, Mastercard or other payment card logo by an on-line merchant does not mean that the transaction is legal where you conduct it. You agree that we may charge your Account for such transactions and that we are not liable to you if you engage in an illegal transaction. You agree that we may decline transactions we believe may be illegal or in violation of the applicable network rules For example, we reserve the right to decline transactions with merchants we have identified as gambling establishments but we are not obligated to do so. If we do not decline such transactions, you authorize us to deduct the amount of such transactions from your Account.

  21. Governing Laws/Severability

    This Agreement will be governed by the laws and regulations of the United States and, to the extent not so covered, by the laws and regulations of the State of North Carolina. A determination that any part of this Agreement is invalid or unenforceable will not affect the remainder of this Agreement.  If state and federal laws are inconsistent or if state law is preempted by federal law, federal law governs.

  22. Claims by Third Parties Against Your Account

    Claims or Disputes by Third Parties Concerning Your Account. If a third party makes a claim against funds in your Account, or if we have reason to believe there is or may be a dispute over matters such as the ownership of your Account or the authority to withdraw funds, we may, in our sole discretion and in accordance with applicable state or federal law, (a) continue to rely on current Account documents, (b) honor the competing claim upon receipt of evidence we deem satisfactory to justify such action, (c) freeze all or part of the funds until the dispute is resolved to our satisfaction, or (d) pay the funds into an appropriate court of law for resolution.

    Liens and Attachments. Following receipt by us of any notice of lien, process in attachment, garnishment or other proceeding relating to you or your Account, we are authorized, without notice to you, unless otherwise required by law, to withhold transfer of so much of the balance of your Account as may be the subject of such notice or process, and to pay such amount to the court or creditor, in accordance with applicable state or federal law, without responsibility to you for such withholding or payment or for refusal to honor transfers made by you.

  23. Recording and Monitoring Telephone Calls

    We may record or monitor telephone calls between you and us. We need not remind you of our recording or monitoring before each call unless required to do so by law.

  24. Unclaimed Property

    Any remaining unclaimed balance after expiration or closure of your Card will be reported and remitted as unclaimed property to the appropriate state as required by state law after a period of time defined by that state’s law. After we turn the funds over to the state, we have no further liability to you for the funds and you must apply to the appropriate state agency to reclaim the funds.

  25. English Document Controlling.

    As a service we provide to you at your request, we may communicate certain information to you in Spanish. Any legal clarifications which may need to be made will be based on the use and application of the English versions, including but not limited to this Agreement and the Fee Disclosure

  26. Fee Disclosure and Other Important Disclosures

    A copy of our Fee Disclosure and Other Important Disclosures is included with, and incorporated into this Agreement.