Cardholder Agreement

GIFT CARD/VIRTUAL ACCOUNT

Cardholder and Virtual Accountholder Agreement

CUSTOMER SERVICE CONTACT INFORMATION:
Address: P.O. Box 826, Fortson, Georgia 31808

To contact us via phone, please call the number located in the footer of this website or on the back of the card.

IMPORTANT NOTICES:
(1) Give this document to the recipient of the gift card/virtual account for any future questions or issues.

(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/virtual account. Merchants may not have access to determine your account balance.

(4) If you do not agree to these terms, do not use the card/virtual account, save your receipt, and cancel the card/virtual account by calling customer service.

(5) Treat Card/Virtual Account like cash. Never provide Card/Virtual Account or Card/Virtual Account information to someone you don't know - you may lose your money.

FEES AND EXPIRATION

NO FEES associated with the Card/Virtual Account and available funds do not expire.

Lost/Stolen Card/Virtual Account Replacement Fee: $0

Replacement Card/Virtual Account at Expiration: There is no additional cost to obtain a replacement Card/Virtual Account due to expiration.

This Cardholder/Virtual Accountholder Agreement ("Agreement") sets forth the terms and conditions under which a ChooseYourCard Gift Card, Zift Zillions of Gifts Gift Card, or GetYourGift Gift Card ("Card/Virtual Account") has been issued to you by Pathward®, National Association. By accepting and using this Card/Virtual Account, activating the Card/Virtual Account, or authorizing any person to use the Card/Virtual Account, you agree to be bound by the terms and conditions contained in this Agreement. In this Agreement "You" and "your" mean the person or persons who have received the Card/Virtual Account and are authorized to use the Card/Virtual Account. "We," "us," and "our" mean collectively, Pathward, National Association, a federally chartered bank, member FDIC, and its divisions or assignees, and also includes, unless otherwise indicated, our Program Manager. "Program Manager" refers to Interactive Communications International, Inc., who performs certain services related to your Card/Virtual Account on Pathward, National Association's behalf. The Card/Virtual 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. This Agreement applies to both the purchaser and any other user of the Card/Virtual Account. It is the purchaser's obligation to provide these terms and conditions to any user; however, new terms and conditions may be provided, or any other questions or concerns answered, by contacting Customer Service.

1. ABOUT YOUR CARD
The Card/Virtual Account is a prepaid Card/Virtual Account loaded with a specific amount of funds, redeemable on the website indicated on your Card/Virtual Account ONLY. No additional funds may be added to this Card/Virtual Account. The Card/Virtual Account is NOT a credit card. The Card/Virtual 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.
Pathward, NA will act as custodian of your funds upon its receipt of your funds. Once your Card/Virtual Account is activated, you will be able to provide Pathward, as custodian, with instructions about the funds accessible through the Card/Virtual Account. Activation of the Card/Virtual Account authorizes us to hold your funds at Pathward or as custodian to place your funds at one or more participating banks (each a "Program Bank"). If you do not agree to your funds being held by us at Pathward or placed by Pathward as custodian at other Program Banks, please immediately spend all the funds on your Card/Virtual Account. Card/Virtual Account funds are not FDIC insured.

2. USING YOUR CARD
a. Accessing Funds and Limitations
You may use your Card/Virtual Account on line by visiting the website indicated on your Card/Virtual Account. Each time you use your Card/Virtual Account, you authorize us to reduce the value available on your Card/Virtual Account by the amount of the transaction. If selecting multiple partner virtual cards, ensure your remaining balance meets the minimum purchase threshold. Remaining Card/Virtual Account funds valued below the minimum purchase threshold will not be refunded or be available for transfer to another Card/Virtual Account. Your Card/Virtual Account cannot be: (1) redeemed for its cash value; (2) used to obtain cash in any transaction; (3) used for illegal transactions; (4) used to make foreign transactions; (5) used for purchases where recurring payments may occur, such as subscriptions, memberships, rentals, etc.; (6) used to purchase other gift cards/virtual accounts; or (7) used to purchase money orders. For security reasons, we may limit the amount, type, or number of transactions you can make on your Card/Virtual Account and or limit the acceptance of your Card/Virtual Account at certain merchants or websites. 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 CARD/VIRTUAL ACCOUNT. If you attempt to use the Card/Virtual 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 Card/Virtual Account occurs due to a systems malfunction or otherwise, you will remain fully liable to us for the amount of the transaction. You are responsible for all transactions initiated by use of the Card/Virtual Account. If you permit another person to have access to the Card/Virtual Account or Card/Virtual Account number, we will treat this as if you have authorized such use and you will be liable for all transactions by those persons. You are wholly responsible for the use of each Card/Virtual Account according to the terms and conditions of this Agreement.

Your Card/Virtual Account is valid in the U.S. only and ONLY on the website indicated on your Card/Virtual Account. It cannot be used at merchants outside of the United States, including internet and mail/telephone order merchants outside of the United States. Virtual Accounts may be used for electronic commerce only and will not be accepted for purchases at physical retail locations.

b. Obtaining Card Balance Information
You may obtain information about the amount of money you have remaining on your Card/Virtual Account at no charge by contacting Customer Service. This information is also available on line by visiting the website indicated on your Card/Virtual Account or calling the phone number indicated on or with your Card/Virtual Account. It may also be possible to request a written copy of Card/Virtual Account transactions by contacting Customer Service.

c. Authorization Holds
You do not have the right to stop payment on any purchase transaction originated by use of your Card/Virtual Account. With certain types of purchases (such as those made at restaurants, hotels, or similar purchases), your Card/Virtual 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.

d. Returns and Refunds
If you are entitled to a refund for any reason for goods or services obtained with your Card/Virtual Account, the return and refund will be handled by the merchant.

e. 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 CARD
If you need to replace your Card/Virtual Account for any reason, please contact Customer Service. Please note that your Card/Virtual Account has a "Valid Thru" date on the Card/Virtual Account. You may not use the Card/Virtual Account after the "Valid Thru" date. However, even if the "valid Thru" date has passed, the available funds on your Card/Virtual Account do not expire. You will not be charged a fee for replacement cards/codes that we send due to expiration of the Card/Virtual 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
If you believe your Card/Virtual Account has been lost or stolen or an unauthorized transaction has been made using the information from your Card/Virtual Account without your permission, contact Customer Service IMMEDIATELY. We will ask for the Card or Virtual Account number and other identifying details. We may not be able to assist you if you do not have the Card or Virtual Account number or do not provide us with the requested information. We may not be able to assist you if you do not contact us within sixty (60) days of the unauthorized transaction. If we issue a replacement Card/Virtual Account, the replacement Card/Virtual Account will have a value equal to the remaining balance on the Card/Virtual Account at the time you notified us of the loss or theft or unauthorized transaction. The balance will be temporarily unavailable until you activate your replacement Card/Virtual Account. NO REFUNDS WILL BE PROVIDED FOR AMOUNTS DEBITED FROM THE CARD/VIRTUAL ACCOUNT BEFORE YOU NOTIFY US. We will charge a fee if noted in the fee table above (subject to applicable law) for any lost/stolen Card or Virtual Account, which will be deducted from the balance on the Card/Virtual Account. A reissued Card/Virtual Account may take up to thirty (30) days to process.

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 a Card/Virtual Account. Further, we will not be liable: (1) If, through no fault of ours, you do not have enough funds available on your Card/Virtual Account to complete the transaction; (2) If a merchant refuses to accept your Card/Virtual Account; (3) If an electronic terminal where you are making a transaction does not operate properly; (4) If access to your Card/Virtual Account has been blocked after you reported your Card/Virtual 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
a. 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.

b. Assignability
You may not assign or transfer your Card/Virtual Account or your obligations under this Agreement. We may, however, transfer or assign our rights under this Agreement, including any balances in your Card/Virtual Account.

c. Other Terms
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 (without regard to the laws regarding conflicts of laws) except to the extent governed by federal law. With the exception of disputes subject to the Arbitration Clause below, any disputes relating to this Agreement shall be subject to the exclusive jurisdiction and venue of the federal and state courts located in the state of South Dakota. You acknowledge and agree that we shall have a right of setoff to apply the funds in your Card/Virtual Account to any debt that you owe to us. You further grant us a security interest in all of your funds in our possession as collateral for any sums that you owe us under this Agreement. Should your Card/Virtual 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 Card/Virtual Account, such as date of purchase, amount and place of purchase; (2) Information you provide to us when you register a Card/Virtual Account, or for replacement Cards/Virtual Accounts, or when you contact us with customer service issues, such as name, address, phone number.

We may also disclose information about your Card/Virtual Account or the transactions you make to third parties in order to: (1) complete transactions; (2) verify the existence and condition of your Card/Virtual Account for a third party, such as merchant; (3) provide customer services; (4) process claims for lost or stolen Cards/Virtual Accounts; (5) help protect against fraud and to conduct research and analysis; or (5) comply with government agency or court orders, or other legal reporting requirements.

9.        ARBITRATION AND JURY TRIAL WAIVER
a.        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.
b.        Arbitration Clause: You can opt out of this Arbitration Clause within 60 calendar days from the earlier of purchasing, activating, or using the Card/Virtual Account. You must send the opt out notice in writing to Pathward, 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 Card/Virtual 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.

Prepaid Card/Virtual Account is issued by Pathward, National Association, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

Updated 10/21/25