Inspired Opinions Visa Prepaid Card

Terms & Conditions

Loyalty Award and Promotion Prepaid Card Agreement

Effective Date: November 1, 2017

IMPORTANT INFORMATION — DO NOT DISCARD

Section 1. GENERAL INFORMATION

This is the Loyalty, Award and Promotion Prepaid Card Agreement governing the Loyalty, Award and Promotion Card issued by Bank of America, N.A. (“Agreement”). Please read this Agreement carefully and keep it for your records. Please sign the Loyalty, Award and Promotion Card (“Card”) immediately. By accepting and using the Card, you agree to be bound by this Agreement. Loyalty, Award and Promotion Prepaid Card or “Card” means the Card issued by Bank of America, N.A. “You” means the person who has received the Card. “We”, “us”, “our”, and “Bank” means Bank of America, N.A., its successors, affiliates or assignees. The Card remains the property of Bank and must be surrendered upon demand. The Card is nontransferable and it may be cancelled, repossessed or revoked at any time without prior notice subject to applicable law. The Card is a payment card that can be used (until the expiration or cancellation of the Card) at retail establishments that have agreed to accept Mastercard^® or Visa^® debit cards. The Card can also be used to obtain cash or make balance inquiries at any ATM or office of financial institution that displays the Mastercard or Visa logos. This Card is issued for loyalty, award or promotional purposes and is not a gift card. The Card is not a credit card. When you use the Card, the amount available on the Card will be reduced by the amount of the purchase until it reaches zero. The Card will be subject to the fees set forth in the Schedule of Bank Fees included in the card package. No additional funds may be added to the Card. Your ability to make purchases with the Card will end on the expiration date of the Card or cancellation of the Card. You will not be entitled to receive any amount that remains on the Card at that time. The Card does not constitute a checking, savings or other bank account and is not connected in any way to any other account you may have. You will not receive any interest on the funds on the Card. The funds on the Card are FDIC-insured. The Card was provided to you at the request of a commercial entity (the “Sponsor”) to provide funds for your use. The payment from the Sponsor to you, including the amount of the payment and ownership of the funds are matters between you and the Sponsor and we are not responsible for resolving any disputes between you and the Sponsor. For purposes of this Agreement, our business days are Monday through Friday, excluding bank holidays.

Section 2. ACTIVATION, TYPES OF AVAILABLE TRANSACTIONS AND LIMITS ON TRANSACTIONS

Card Activation. You must activate the Card and select a Personal Identification Number (“PIN”) by going online at www/bankofamerica.com/commercialprepaidcard or by calling us toll free at 1.866.213.8564 before you can use the Card.

Point-of-Sale Transactions. You may use the Card to purchase goods and services at merchants that have agreed to accept Visa or Mastercard debit cards by use of your signature. You may also use your Card for purchases at POS terminals that require a PIN. If your purchase amount is greater than the amount on the 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 amount on the Card. You do not have the right to stop payment on any point-of-sale transaction originated by the use of the Card. You agree that we are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased with the Card, if any merchant refuses to accept the Card, or for any other actions of the merchant. You will resolve disputes directly with the merchant on purchases made using the Card, and accept a credit to the Card as the method of refund.

Cash Access
If applicable to your Sponsor’s program, you may use your Card and PIN to obtain cash or make balance inquiries at any Automated Teller Machine (“ATM”) displaying the Visa or Mastercard logos. You may also use your Card to obtain cash at offices of financial institutions that accept Visa and Mastercard branded Cards, including our banking centers (an Over the Counter, or OTC, transaction). We will assess fees for ATM and OTC withdrawals as set forth in the Schedule of Bank Fees.

Minimum and Maximum ATM or Cash Transactions
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. Most ATMs require that cash withdrawals be made in multiples of a dollar amount (e.g. $10 or $20). In addition, some ATM operators have maximum amounts that may be withdrawn at a machine in one transaction. Additionally, if allowed by your Sponsor, some merchants will accept a transaction for an amount greater than the goods or services purchased, and will refund the difference to you in cash. Many merchants limit the amount of cash that may be obtained in connection with a purchase transaction.

Cash limit.
When you use your Card at ATMs, we may apply a daily limit to the amount you are authorized to withdraw from your Card during each day – a “cash limit” which will be set forth in the documents provided with your Card.

For all cardholders the cash limit is the total amount you are authorized to withdraw each day from your prepaid Card at ATMs using your Card. Your cash limit also includes: (a) purchases of money orders, cashier’s checks, or other similar instruments and other things of value and (b) cash you obtain from a financial institution. Please note that some ATMs may not be able to dispense the full amount of your cash limit in a single transaction in which case you may need to perform more than one transaction.

Services Available at ATMs
You authorize us to act on the instructions you give us through ATMs. Different services are available at Bank of America ATMs than at non-Bank of America ATMs and fees may apply for use of ATMs. From time to time we may amend, add or delete services available at Bank of America ATMs and we may place or change limits on the number or dollar amount of transactions you may make. Some transactions may not be available, or may not be immediately available, to all cardholders at some ATMs.

a. Bank of America ATMs. A Bank of America ATM is an ATM that prominently displays the Bank of America name and logo on the ATM. These ATMs are generally available 24 hours a day, seven days a week, except during routine systems maintenance and occasional system down time. At some locations, business hours may restrict access. Specific hours of operation are shown at an ATM with restricted access. You may use your Card at Bank of America ATMs to perform the following transactions:

Withdraw funds from your prepaid account; and
Obtain balance information about your prepaid account.

b. Non-Bank of America ATMs. A non-Bank of America ATM is an ATM that does not prominently display the Bank of America name and logo on the ATM. These ATMs may be owned by us, by one of our affiliates or by someone else. When you use a non-Bank of America ATM, you may be charged a fee by the ATM operator or any network used and you may be charged a fee for a balance inquiry even if you do not complete a transaction. You may use your Card at non-Bank of America ATMs to perform the following transactions:

Withdraw funds from your prepaid account; and
Obtain balance information about your prepaid account.

Remaining Amount. You may check the remaining amount on the Card at any time at no charge by calling 866.213.8564 or visiting www.bankofamerica.com/commercialprepaidcard. A history of account transactions also is available at this web site address.

Foreign Transactions/Fees. If you use your Card to purchase goods or services in a foreign currency or in U.S. dollars with a foreign merchant (a “Foreign Transaction”), we will assess an International Transaction Fee. 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 Schedule of Bank Fees . If the Foreign Transaction is made in a foreign currency, Visa^® or Mastercard^® will convert the transaction into a U.S. dollar amount, and the International Transaction Fee will be the percentage of that U.S. dollar amount as disclosed in the Schedule of Bank Fees. If you use your Card to obtain foreign currency from an ATM, the applicable payment network will convert the transaction into a U.S. dollar amount, and the International ATM Currency Conversion Fee will be a percentage of the transaction amount, plus a per transaction charge at a non-partner ATM as disclosed in the Schedule of Bank Fees; other ATM fees may apply per the Schedule of Bank Fees .Any International Transaction Fee will be shown in your Account history. 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.

Legal Transactions. You agree that you will only use the Card for transactions that are legal. For example, Internet gambling transactions may be illegal in your state. Display of a Visa^®, Mastercard^® or other logo by an on-line merchant does not mean that the transaction is legal where you conduct it. You agree that we may decline transactions we believe may be illegal or in violation of the applicable network rules or for any other reason in our sole discretion. You also agree that if we do not decline the transaction, we may charge the Card and we are not liable to you if you engage in an illegal transaction.

Authorized Use of Card. If you permit someone else to use your Card, we will treat this as if you have authorized such use and you will be responsible for any transactions initiated by such person(s) with the Card.

Negative Balances. The amount on the Card will be reduced by the amount of your transactions plus applicable fees. We are not required to authorize or pay any transaction that will create a negative amount on the Card. If you attempt to use the Card for more than the then current available amount on the Card, we may refuse to authorize or we may return the transaction. However, if we do authorize or pay a transaction in excess of the amount on the Card, you agree to pay us on demand the amount of any negative balance. If you fail to make any required payment, we have the right to initiate collection proceedings against you and/or report your failure to consumer reporting agencies in compliance with applicable law.

Terminal Receipts. You usually can get a receipt at the time you make any transaction with the Card at an ATM. OTC, or point-of- sale terminal except that you may not get a receipt if the amount of the transaction is $15 or less. ATM receipts are not final because each transaction is subject to verification by us. If the receipt and our records conflict, our records will govern.

Section 3. TELEPHONE NUMBER AND ADDRESS TO PROVIDE NOTIFICATION IN THE EVENT OF A LOST CARD OR UNAUTHORIZED TRANSACTIONS

Tell us AT ONCE if the Card has been lost or stolen. If you believe that the Card has been lost or stolen: Call toll free 1.866.213.8564, 24 hours a day, 7 days a week, or write to: Bank of America, PO BOX 8488, Gray, TN 37615-8488 Customer service representatives are available at 1.866.213.8564, 24 hours a day, 7 days a week.

Section 4. EXPIRATION OF THE CARD

The Card will expire at 12:00 midnight, Eastern Time, on the Expiration Date set forth on the front of the Card. After the Expiration Date, you will not be able to use the Card, you will lose all rights in or to the Card, and you agree that you will have no right to any amount remaining on the Card.

Section 5. "ZERO LIABILITY" POLICY; BANK'S LIABILITY; ERROR RESOLUTION PROCEDURES

a. Bank of America’s “Zero Liability” Policy for Unauthorized Transactions.
Under the Bank of America “zero liability” policy, you may incur no liability and the Card will not be charged for unauthorized use of the Card up to the amount of the unauthorized transaction, provided you notify us within a reasonable time of the loss or theft of the Card or Card number or its unauthorized use, and subject to the following terms and conditions:

Excluded transactions. Our zero liability policy does not apply to any unauthorized electronic fund transfer that does not involve use of the 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 the 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 60 days from the transaction date.

Other considerations. We may deny you the benefit of this policy 1) if we ask you for a written statement, affidavit or other information in support of the claim, and you do not provide it within the time requested or within a reasonable time if no date is stated, or 2) under any other unusual circumstances where we believe denial is appropriate.

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 transaction covered by this policy. We are not liable for any claims of special, indirect or consequential damages.

b. Our Liability.
Our Failure to Complete a Transaction. Unless otherwise provided by this Agreement, if we do not complete a transaction arising from the use of the Card 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:
(a) If, through no fault of ours, the amount on the Card is insufficient to complete the transaction; or
(b) If, through no fault of ours, the funds on your Card are not available because the funds are uncollected, or subject to legal process; or
(c) If the point-of-sale terminal was not working properly and you knew about the breakdown when you started the transaction; or
(d) If the machine where you are making the transaction does not have enough cash; or
(e) If the ATM, terminal or system was not working properly and you knew about the breakdown when you started the transaction; or
(f) If circumstances beyond our control (such as power outages, equipment failures, fire or flood) prevent the transaction, despite reasonable precautions that we have taken; or
(g) 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; or
(h) If we have reason to believe that the transaction is unauthorized, suspicious, or fraudulent; or
(i) If you attempt to complete an impermissible transaction at a merchant; or
(j) If you attempt to complete a transaction contrary to the terms and conditions of this Agreement.

c. Error Resolution Procedures.
In Case of Errors or Questions About Your Transactions:
Telephone us at 1.866.213.8564 or write to Bank of America, PO BOX 8488, Gray, TN 37615-8488. Call or write us as soon as you can in case of errors or questions about transactions arising from the use of the Card. We must hear from you no later than 60 days after the date of the transaction in question.
(a) Tell us your name and Card account number.
(b) Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
(c) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit the Card within 10 business days for the amount you think is in error, so that you will have the use of that amount 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 the Card. For errors involving: (i) Cards issued less than 30 days, (ii) point-of-sale, or (iii) foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For Cards issued less than 30 days, we may take up to 20 business days to credit the Card 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 documents that were used in the investigation.

d. Limitation of the Bank’s Liability.
In no event will we be liable for any claims of special, indirect or consequential damages.

Section 6. Privacy

As part of establishing your Account, 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 our 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; and (f) to service providers who help us meet your needs by assisting us in providing the services under this Agreement.

Section 7. NO PREAUTHORIZED TRANSACTIONS ALLOWED

You may not make preauthorized regular payments through the use of the Card.

Section 8. SECURITY

a. 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.

b. ATM Safety.
Please refer to the safety tips found on the mailer that came with your Card for using your Card at ATMs.

NOTICE: As part of the security system to help protect your Card and PIN, we may use hidden cameras and other security devices at some ATMs to determine who is using a Card at an ATM.

Section 9. 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.

SECTION 10. GOVERNING LAW/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.

Section 11. YOUR CANCELLATION OF THE CARD

Prior to the expiration date of the Card, you can contact us and request a check for the amount remaining on the Card. If you make such a request, the Card will be canceled.

Section 12. ELIGIBILITY FOR AND AVAILABILITY OF THE CARD.

Only individuals who can lawfully enter into and form contracts under applicable law and have reached the age of majority may have a Card. We may refuse to provide a Card to anyone, at any time, in our sole discretion.

Section 13. TERMINATION.

We, in our sole discretion, may terminate this Agreement, your access to your Card, or your access to our site for any reason. We will provide you any notice required by applicable law. If any funds remain on your Card, we will pay them to you by issuing a check. We may terminate this Agreement immediately, without prior notice, if you commit any fraudulent, illegal or impermissible acts or provide false information to us, in which event we may withhold from any payment to you any amount we reasonable believe you owe as a result of any wrongful conduct in connection with your Card or our site. You acknowledge and agree that we may set off the amount of any outstanding fees or payment due to us prior to issuing any authorized refunds.